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

:root {
  --navy:      #1a2e4a;
  --navy-dark: #0f1d30;
  --navy-mid:  #243d5e;
  --blue:      #2563a8;
  --gold:      #c9922a;
  --gold-light:#f0b84a;
  --text:      #1f2d3d;
  --muted:     #5a6a7a;
  --bg:        #f4f6f9;
  --white:     #ffffff;
  --border:    #dde3ea;
  --green:     #1a7f5a;
  --radius:    8px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  font-optical-sizing: auto;
  -webkit-font-smoothing: antialiased;
}

/* ─── NAVIGATION ─────────────────────────────── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.nav-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo-icon {
  width: 36px; height: 36px;
  display: block;
}

.logo-text {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.3px;
}

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

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color .2s;
}

.nav-links a:hover { color: var(--white); }

.nav-cta {
  background: var(--gold);
  color: var(--white) !important;
  padding: 9px 20px;
  border-radius: var(--radius);
  font-weight: 600 !important;
  transition: background .2s !important;
}

.nav-cta:hover { background: var(--gold-light) !important; color: var(--navy-dark) !important; }
.nav-cta { display: inline-flex; align-items: center; gap: 7px; }
.nav-cta-icon { width: 14px; height: 14px; stroke-width: 2.2; }

/* ─── CONTACT STRIP (desktop-only, above main nav) ── */
.nav-contact-strip {
  display: none;
  background: rgba(0,0,0,.32);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.nav-contact-strip-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 7px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  font-size: 12px;
  line-height: 1.4;
}
.nav-cs-right { display: flex; align-items: center; gap: 22px; }
.nav-cs-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: rgba(255,255,255,.72);
  text-decoration: none;
  transition: color .15s;
}
.nav-cs-item:hover { color: var(--gold-light); }
.nav-cs-item [data-lucide] {
  width: 13px; height: 13px;
  stroke: var(--gold); stroke-width: 2; fill: none;
  flex-shrink: 0;
}
@media (min-width: 901px) { .nav-contact-strip { display: block; } }

/* ─── MOBILE NAV (hamburger + slide-in drawer from left) ── */
.menu-toggle {
  display: none;
  background: transparent;
  border: 0;
  padding: 8px;
  margin-right: -8px;
  color: var(--white);
  cursor: pointer;
  border-radius: 8px;
  transition: background .15s;
}
.menu-toggle:hover { background: rgba(255,255,255,.08); }
.menu-toggle [data-lucide] { width: 26px; height: 26px; stroke-width: 2; }

.mobile-overlay {
  position: fixed; inset: 0;
  background: rgba(0,0,0,.5);
  z-index: 199;
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s ease;
}
.mobile-overlay.is-open { opacity: 1; pointer-events: auto; }

.mobile-drawer {
  position: fixed;
  top: 0; left: 0; bottom: 0;
  width: min(86vw, 320px);
  background-color: var(--navy-dark);
  background-image:
    linear-gradient(180deg, rgba(10,20,38,.78) 0%, rgba(10,20,38,.88) 100%),
    url('../images/hero-bg.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 200;
  box-shadow: 4px 0 24px rgba(0,0,0,.4);
  transform: translateX(-100%);
  transition: transform .28s cubic-bezier(.4,0,.2,1);
  display: flex;
  flex-direction: column;
}
.mobile-drawer.is-open { transform: translateX(0); }

.mobile-drawer-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 36px; height: 36px;
  background: rgba(255,255,255,.08);
  border: 0;
  color: rgba(255,255,255,.9);
  cursor: pointer;
  border-radius: 50%;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: background .15s, color .15s;
}
.mobile-drawer-close:hover { background: rgba(255,255,255,.16); color: var(--white); }
.mobile-drawer-close [data-lucide] { width: 20px; height: 20px; stroke-width: 2; }

.mobile-drawer-list {
  /* Reset base `nav` rules that would otherwise apply (position:fixed, navy bg, z-index, border) */
  position: static;
  background: transparent;
  border: 0;
  z-index: auto;
  /* Layout */
  display: flex;
  flex-direction: column;
  flex: 1;
  padding: 60px 0 24px;
  overflow-y: auto;
}

.mobile-drawer-group-title {
  padding: 10px 24px 6px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: rgba(255,255,255,.4);
}

.mobile-drawer-sub {
  display: block;
  padding: 12px 24px 12px 36px;
  color: rgba(255,255,255,.85);
  text-decoration: none;
  font-size: 16px;
  border-left: 3px solid transparent;
  transition: background .15s, border-color .15s, color .15s;
}
.mobile-drawer-sub:hover { background: rgba(255,255,255,.04); border-left-color: var(--gold); color: var(--white); }

.mobile-drawer-link {
  display: block;
  padding: 14px 24px;
  color: rgba(255,255,255,.9);
  text-decoration: none;
  font-size: 17px;
  font-weight: 500;
  border-top: 1px solid rgba(255,255,255,.06);
  transition: background .15s, color .15s;
}
.mobile-drawer-link:hover { background: rgba(255,255,255,.04); color: var(--white); }
/* Closing divider under the last menu item (Kontakt) — second-to-last child since login button is last */
.mobile-drawer-link:nth-last-child(2) { border-bottom: 1px solid rgba(255,255,255,.06); }

.mobile-drawer-login {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  margin: auto 20px 0;
  padding: 14px 16px;
  background: var(--gold);
  color: var(--white);
  text-decoration: none;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--radius);
  transition: background .15s, color .15s;
}
.mobile-drawer-login:hover { background: var(--gold-light); color: var(--navy-dark); }
.mobile-drawer-login [data-lucide] { width: 16px; height: 16px; stroke-width: 2.2; }

/* Show hamburger only ≤900px (matches existing nav-links hide breakpoint) */
@media (max-width: 900px) {
  .menu-toggle { display: inline-flex; align-items: center; justify-content: center; }
}

/* ─── HERO ───────────────────────────────────── */
#hero {
  /* hero background → images/hero-bg.jpg */
  background-color: var(--navy-dark);
  background-image:
    linear-gradient(135deg, rgba(10,20,38,.88) 0%, rgba(20,48,90,.82) 100%),
    url('../images/hero-bg.jpg');
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  padding: 140px 24px 90px;
  position: relative;
  overflow: hidden;
}

#hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(201,146,42,.12) 0%, transparent 70%);
  pointer-events: none;
}

#hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(37,99,168,.15) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

h1 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(32px, 4vw, 50px);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}

h1 em {
  font-style: normal;
  color: var(--gold-light);
}

.hero-sub {
  color: rgba(255,255,255,0.7);
  font-size: 17px;
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.btn-primary {
  background: var(--gold);
  color: var(--white);
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  transition: background .2s, transform .15s;
  display: inline-block;
}

.btn-primary:hover { background: var(--gold-light); color: var(--navy-dark); transform: translateY(-1px); }

.btn-secondary {
  background: rgba(255,255,255,0.08);
  color: var(--white);
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 500;
  font-size: 15px;
  text-decoration: none;
  border: 1px solid rgba(255,255,255,0.2);
  transition: background .2s;
  display: inline-block;
}

.btn-secondary:hover { background: rgba(255,255,255,0.15); }

.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.stat-num {
  font-size: 28px;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
}

.stat-lbl {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
}

/* Hero card */
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 28px;
  backdrop-filter: blur(10px);
}

.hero-card-title {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

.rate-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }

.rate-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 12px 16px;
}

.rate-bank { font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.85); }
.rate-term { font-size: 12px; color: rgba(255,255,255,0.45); margin-top: 2px; }

.rate-val {
  font-size: 20px;
  font-weight: 700;
  color: var(--gold-light);
}

.rate-val span { font-size: 12px; font-weight: 400; color: rgba(255,255,255,0.45); }

.hero-card-note {
  margin-top: 16px;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  text-align: center;
}

/* ─── SECTION WRAPPER ────────────────────────── */
section { padding: 80px 24px; }

.section-inner { max-width: 1140px; margin: 0 auto; }

.section-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 10px;
}

.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(26px, 3vw, 38px);
  color: var(--navy);
  margin-bottom: 14px;
  letter-spacing: -0.3px;
}

.section-desc {
  font-size: 16px;
  color: var(--muted);
  max-width: 580px;
  line-height: 1.7;
}

/* ─── CALCULATOR ─────────────────────────────── */
#rechner { background: var(--bg); }

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  margin-top: 48px;
}

.calc-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
}

.form-group { margin-bottom: 24px; }

.form-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.form-input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 16px;
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s;
  outline: none;
}

.form-input:focus { border-color: var(--blue); }

.slider-wrap { margin-top: 8px; }

input[type="range"] {
  width: 100%;
  appearance: none;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  margin-top: 8px;
}

input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  width: 20px; height: 20px;
  background: var(--blue);
  border-radius: 50%;
  border: 2px solid var(--white);
  box-shadow: 0 1px 4px rgba(0,0,0,.2);
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  margin-top: 6px;
}

.term-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}

.term-btn {
  padding: 10px 4px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  font-size: 13px;
  font-weight: 500;
  color: var(--muted);
  cursor: pointer;
  text-align: center;
  transition: all .15s;
}

.term-btn.active, .term-btn:hover {
  border-color: var(--blue);
  background: var(--blue);
  color: var(--white);
}

.calc-result {
  background: var(--navy);
  border-radius: 16px;
  padding: 32px;
  color: var(--white);
  position: sticky;
  top: 90px;
}

.result-label {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.45);
  margin-bottom: 4px;
}

.result-main {
  font-size: 44px;
  font-weight: 700;
  color: var(--gold-light);
  letter-spacing: -1px;
  margin-bottom: 4px;
}

.result-main span { font-size: 24px; }

.result-sub {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 28px;
}

.result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.breakdown-lbl { font-size: 14px; color: rgba(255,255,255,0.6); }
.breakdown-val { font-size: 15px; font-weight: 600; color: var(--white); }
.breakdown-val.positive { color: #4ade80; }

.result-note {
  margin-top: 20px;
  padding: 12px;
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius);
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  line-height: 1.5;
}

/* ─── COMPARISON TABLE ───────────────────────── */
#vergleich { background: var(--white); }

.table-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 32px;
  flex-wrap: wrap;
  gap: 16px;
}

.filter-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.filter-tab {
  padding: 7px 16px;
  border: 1.5px solid var(--border);
  border-radius: 20px;
  font-size: 13px;
  font-weight: 500;
  color: var(--muted);
  cursor: pointer;
  background: var(--white);
  transition: all .15s;
}

.filter-tab.active, .filter-tab:hover {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--white);
}

.table-wrap {
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
}

table { width: 100%; border-collapse: collapse; }

thead { background: var(--navy); }

thead th {
  padding: 16px 20px;
  text-align: left;
  font-size: 12px;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

thead th:last-child { text-align: center; }

tbody tr { border-top: 1px solid var(--border); transition: background .15s; }
tbody tr:hover { background: var(--bg); }

tbody td { padding: 18px 20px; font-size: 14px; }

.bank-cell { display: flex; align-items: center; gap: 12px; }

.bank-logo {
  width: 40px; height: 40px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.bank-name { font-weight: 600; color: var(--navy); font-size: 15px; }
.bank-country { font-size: 12px; color: var(--muted); margin-top: 1px; }

.rate-cell {
  font-size: 22px;
  font-weight: 700;
  color: var(--green);
}

/* secondary line under a rate (e.g. runtime, Zinsgarantie) */
.cell-sub {
  font-size: 12px;
  color: var(--muted);
  margin-top: 2px;
  font-weight: 500;
}

/* Top-Angebot marker above the rate cell */
.top-marker {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--green);
  background: #dcfce7;
  padding: 3px 9px;
  border-radius: 10px;
  margin-bottom: 6px;
  white-space: nowrap;
}

/* Einlagensicherung cell: amount stacked over country */
.es-cell { line-height: 1.3; }
.es-amount {
  font-size: 13px;
  font-weight: 700;
  color: var(--green);
}
.es-country {
  font-size: 11px;
  color: var(--muted);
  margin-top: 1px;
}

.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 12px;
  font-size: 11px;
  font-weight: 600;
}

.badge-green { background: #dcfce7; color: var(--green); }
.badge-blue  { background: #dbeafe; color: #1d4ed8; }
.badge-gold  { background: #fef3c7; color: #92400e; }
.badge-gray  { background: #f1f5f9; color: #64748b; }

.action-btn {
  display: inline-block;
  padding: 9px 20px;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: background .15s;
  white-space: nowrap;
}

.action-btn:hover { background: var(--blue); }

/* ─── Bank cell v2 (flag + wordmark logo, mobile falls back to text name) ─── */
.bank-cell-v2 {
  display: flex;
  align-items: center;
  gap: 14px;
}
.bank-flag {
  flex-shrink: 0;
  width: 24px;
  height: 17px;
  display: inline-block;
  line-height: 0;
}
.bank-flag img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 2px;
  box-shadow: 0 0 0 1px rgba(0,0,0,.08);
}
.bank-logo-v2 {
  display: block;
  max-height: 28px;
  max-width: 140px;
  object-fit: contain;
}
.bank-name-v2 {
  font-weight: 600;
  color: var(--navy);
  font-size: 15px;
}
.bank-cell-v2 .v2-show-mobile { display: none; }
.bank-cell-v2 .v2-extras { display: inline-flex; gap: 6px; margin-left: 4px; }

@media (max-width: 640px) {
  .bank-cell-v2 .v2-hide-mobile { display: none; }
  .bank-cell-v2 .v2-show-mobile { display: inline; }
}

.top-row { background: linear-gradient(90deg, rgba(26,127,90,.04) 0%, transparent 60%); }

.top-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 600;
  color: var(--green);
  margin-top: 3px;
}

.table-footer {
  padding: 14px 20px;
  background: var(--bg);
  font-size: 12px;
  color: var(--muted);
  border-top: 1px solid var(--border);
}

/* ─── ABOUT / TRUST ──────────────────────────── */
#ueber { background: var(--bg); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  margin-top: 48px;
}

/* ── Image placeholder slot ── */
.img-slot {
  border: 2px dashed #c4cdd8;
  border-radius: 16px;
  background: #eef1f5;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  position: relative;
}

.img-slot-label {
  text-align: center;
  font-size: 13px;
  color: #8a9aac;
  line-height: 2;
  padding: 32px 24px;
}

.img-slot-label strong { color: #5a6a7a; font-size: 14px; }
.img-slot-label code   { font-size: 12px; background: #dde3ea; padding: 2px 6px; border-radius: 4px; }

.img-slot img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.about-img-slot { min-height: 580px; position: sticky; top: 90px; }

.about-right { display: flex; flex-direction: column; gap: 32px; }

.about-text h2 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(24px, 2.8vw, 36px);
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.25;
}

.about-text p {
  color: var(--muted);
  font-size: 15px;
  line-height: 1.8;
  margin-bottom: 16px;
}

.check-list { list-style: none; margin: 24px 0; display: flex; flex-direction: column; gap: 12px; }

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--text);
}

.check-icon {
  width: 22px; height: 22px;
  background: #dcfce7;
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.check-icon [data-lucide] { width: 13px; height: 13px; stroke: var(--green); stroke-width: 2.5; }

.trust-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.trust-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px;
  transition: box-shadow .2s;
}

.trust-card:hover { box-shadow: 0 8px 30px rgba(0,0,0,.06); }

.trust-icon {
  width: 48px; height: 48px;
  background: var(--navy);
  border-radius: 12px;
  display: grid;
  place-items: center;
  font-size: 22px;
  margin-bottom: 14px;
}

.trust-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.trust-desc  { font-size: 13px; color: var(--muted); line-height: 1.6; }

.trust-card.highlight { background: var(--navy); border-color: var(--navy); }
.trust-card.highlight .trust-title { color: var(--white); }
.trust-card.highlight .trust-desc  { color: rgba(255,255,255,.55); }
.trust-card.highlight .trust-icon { background: var(--gold); }

/* ─── CONTACT / CTA BAND ─────────────────────── */
#kontakt {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: 80px 24px;
}

.cta-inner {
  max-width: 860px;
  margin: 0 auto;
  text-align: center;
}

.cta-inner h2 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(26px, 3.5vw, 42px);
  color: var(--white);
  margin-bottom: 16px;
}

.cta-inner p {
  font-size: 16px;
  color: rgba(255,255,255,.65);
  margin-bottom: 36px;
}

.cta-form {
  display: flex;
  gap: 12px;
  max-width: 520px;
  margin: 0 auto;
}

.cta-input {
  flex: 1;
  padding: 14px 18px;
  border: 1.5px solid rgba(255,255,255,.15);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: 'DM Sans', sans-serif;
  outline: none;
  background: rgba(255,255,255,.1);
  color: var(--white);
}

.cta-input::placeholder { color: rgba(255,255,255,.4); }
.cta-input:focus { border-color: var(--gold); background: rgba(255,255,255,.12); }

.cta-submit {
  display: inline-block;
  padding: 14px 18px;
  background: var(--gold);
  color: var(--white);
  border: none;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 600;
  font-family: 'DM Sans', sans-serif;
  cursor: pointer;
  text-decoration: none;
  transition: background .2s;
  white-space: nowrap;
}

.cta-submit:hover { background: var(--gold-light); color: var(--navy-dark); }

.cta-trust {
  margin-top: 16px;
  font-size: 12px;
  color: rgba(255,255,255,.35);
}

/* ─── FOOTER ─────────────────────────────────── */
footer {
  background: var(--navy-dark);
  padding: 40px 24px 28px;
}

.footer-inner {
  max-width: 1140px;
  margin: 0 auto;
}

.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,.08);
  gap: 32px;
  flex-wrap: wrap;
}

.footer-brand p {
  font-size: 13px;
  color: rgba(255,255,255,.4);
  margin-top: 10px;
  max-width: 280px;
  line-height: 1.6;
}

.footer-links-group h4 {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,.45);
  margin-bottom: 12px;
}

.footer-links-group a {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,.6);
  text-decoration: none;
  margin-bottom: 8px;
  transition: color .2s;
}

.footer-links-group a:hover { color: var(--white); }

.footer-bottom {
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  font-size: 12px;
  color: rgba(255,255,255,.3);
}

.footer-bottom a { color: rgba(255,255,255,.4); text-decoration: none; }
.footer-bottom a:hover { color: rgba(255,255,255,.7); }

/* ─── NAV DROPDOWN ──────────────────────────────── */
.nav-dropdown { position: relative; }

.nav-dropdown::before {
  content: '';
  position: absolute;
  top: 100%;
  left: -12px;
  right: -12px;
  height: 16px;
}

.nav-dropdown > a { display: flex; align-items: center; gap: 5px; }

.nav-dropdown > a::after {
  content: '';
  display: inline-block;
  width: 0; height: 0;
  border-left: 3.5px solid transparent;
  border-right: 3.5px solid transparent;
  border-top: 4.5px solid currentColor;
  opacity: 0.5;
  transition: transform .2s;
}

.nav-dropdown:hover > a::after { transform: rotate(180deg); opacity: 0.9; }

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--navy);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 10px;
  padding: 6px;
  min-width: 170px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .18s, transform .18s;
  box-shadow: 0 16px 40px rgba(0,0,0,.3);
  z-index: 200;
}

.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.nav-dropdown-menu a {
  display: block !important;
  padding: 9px 14px;
  font-size: 14px;
  color: rgba(255,255,255,.7) !important;
  border-radius: 6px;
  font-weight: 500 !important;
  transition: background .15s, color .15s !important;
  background: transparent !important;
}

.nav-dropdown-menu a:hover { background: rgba(255,255,255,.08) !important; color: var(--white) !important; }

/* ─── PAGE HEADER ────────────────────────────────── */
.page-header {
  background-color: var(--navy-dark);
  background-image:
    linear-gradient(135deg, rgba(10,20,38,.92) 0%, rgba(20,48,90,.88) 100%),
    url('../images/hero-bg.jpg');
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  padding: 140px 24px 72px;
  text-align: center;
}

.page-header h1 { font-size: clamp(28px, 4vw, 52px); margin-bottom: 14px; overflow-wrap: anywhere; word-wrap: break-word; hyphens: auto; }

.page-header p {
  font-size: 17px;
  color: rgba(255,255,255,.65);
  max-width: 520px;
  margin: 0 auto;
}

.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 13px;
  color: rgba(255,255,255,.4);
}

.breadcrumb a { color: rgba(255,255,255,.5); text-decoration: none; transition: color .2s; }
.breadcrumb a:hover { color: var(--gold-light); }
.breadcrumb span { color: rgba(255,255,255,.25); }

/* ─── PRODUCT INTRO ──────────────────────────────── */
.intro-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 48px;
  align-items: start;
  margin-top: 48px;
}

.intro-text h2 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(24px, 2.8vw, 34px);
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.25;
}

.intro-text p { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 14px; }

.intro-card {
  background: var(--navy);
  border-radius: 16px;
  padding: 28px;
  color: var(--white);
  position: sticky;
  top: 90px;
}

.intro-card-title {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,.4);
  margin-bottom: 4px;
}

.intro-card-value {
  font-size: 36px;
  font-weight: 700;
  color: var(--gold-light);
  letter-spacing: -1px;
  margin-bottom: 20px;
}

.intro-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-top: 1px solid rgba(255,255,255,.08);
}

.intro-stat-label { font-size: 13px; color: rgba(255,255,255,.5); }
.intro-stat-value { font-size: 14px; font-weight: 600; color: var(--white); }

/* ─── BENEFIT GRID ───────────────────────────────── */
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.benefit-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px;
  transition: box-shadow .2s;
}

.benefit-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.06); }

.benefit-icon {
  width: 44px; height: 44px;
  background: var(--bg);
  border-radius: 10px;
  display: grid;
  place-items: center;
  margin-bottom: 14px;
}

.benefit-icon [data-lucide] { width: 22px; height: 22px; stroke: var(--navy); stroke-width: 1.75; fill: none; }
.benefit-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.benefit-desc  { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ─── STEPS ──────────────────────────────────────── */
.steps-section { background: var(--bg); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
  position: relative;
}

.steps-grid.three-col { grid-template-columns: repeat(3, 1fr); }

.steps-grid::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(12.5% + 16px);
  right: calc(12.5% + 16px);
  height: 2px;
  background: var(--border);
  z-index: 0;
}

.steps-grid.three-col::before {
  left: calc(16.66% + 16px);
  right: calc(16.66% + 16px);
}

.step-item { text-align: center; position: relative; z-index: 1; }

.step-num {
  width: 56px; height: 56px;
  background: var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin: 0 auto 20px;
  border: 4px solid var(--bg);
  box-shadow: 0 0 0 2px var(--border);
}

.steps-section .step-num { border-color: var(--bg); }

.step-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-desc  { font-size: 13px; color: var(--muted); line-height: 1.7; }

/* ─── FAQ ────────────────────────────────────────── */
.faq-list { margin-top: 40px; display: flex; flex-direction: column; gap: 8px; }

details {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  overflow: hidden;
}

details[open] { box-shadow: 0 4px 16px rgba(0,0,0,.05); }

summary {
  padding: 18px 20px;
  cursor: pointer;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  list-style: none;
  user-select: none;
  gap: 16px;
}

summary::-webkit-details-marker { display: none; }

summary::after {
  content: '';
  width: 0; height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid var(--muted);
  flex-shrink: 0;
  transition: transform .2s;
}

details[open] summary::after { transform: rotate(180deg); }
details[open] summary { color: var(--blue); }

.faq-answer {
  padding: 0 20px 18px;
  font-size: 14px;
  color: var(--muted);
  line-height: 1.8;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}

/* ─── PRODUCT COMPARE TABLE ──────────────────────── */
.compare-wrap {
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  margin-top: 40px;
}

.compare-wrap table { width: 100%; border-collapse: collapse; }

.compare-wrap thead th {
  background: var(--navy);
  color: rgba(255,255,255,.65);
  padding: 14px 20px;
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  text-align: left;
}

.compare-wrap tbody td {
  padding: 16px 20px;
  font-size: 14px;
  border-top: 1px solid var(--border);
}

.compare-wrap tbody tr:hover td { background: var(--bg); }
.compare-wrap td:first-child { font-weight: 600; color: var(--navy); }

.cell-yes { color: var(--green); font-weight: 600; }
.cell-no  { color: #dc2626; font-weight: 600; }
.cell-mid { color: var(--gold); font-weight: 600; }

/* ─── ICONS (Lucide) ─────────────────────────── */
[data-lucide] { display: block; flex-shrink: 0; fill: none; }

.trust-icon [data-lucide] {
  width: 24px; height: 24px;
  stroke: var(--white);
  stroke-width: 1.75;
}

.trust-card:not(.highlight) .trust-icon [data-lucide] { stroke: var(--navy); }

.inline-icon {
  display: inline-block;
  vertical-align: middle;
  width: 14px; height: 14px;
  stroke: currentColor;
  stroke-width: 2;
  fill: none;
  margin-right: 5px;
  margin-top: -2px;
}

/* ─── RESPONSIVE ──────────────────────────────── */
@media (max-width: 900px) {
  .hero-inner        { grid-template-columns: 1fr; }
  .hero-card         { display: none; }
  .calc-layout       { grid-template-columns: 1fr; }
  .calc-result       { position: static; }
  .about-grid        { grid-template-columns: 1fr; }
  .about-img-slot    { min-height: 280px; position: static; }
  .trust-cards       { grid-template-columns: 1fr; }
  .nav-links         { display: none; }
  .cta-form          { flex-direction: column; }
  .intro-grid        { grid-template-columns: 1fr; }
  .intro-card        { position: static; }
  .benefit-grid      { grid-template-columns: 1fr 1fr; }
  .steps-grid        { grid-template-columns: 1fr 1fr; }
  .steps-grid::before { display: none; }
}

@media (max-width: 600px) {
  .term-grid    { grid-template-columns: repeat(2,1fr); }
  .hero-stats   { gap: 20px; flex-wrap: wrap; }
  .benefit-grid { grid-template-columns: 1fr; }
  .steps-grid   { grid-template-columns: 1fr; }
}

/* ─── COMPARISON TABLES → CARDS (mobile only) ─────────── */
@media (max-width: 760px) {
  /* Strip table chrome */
  .table-wrap { border: 0; border-radius: 0; background: transparent; overflow: visible; }
  .table-wrap thead { display: none; }
  .table-wrap table,
  .table-wrap tbody,
  .table-wrap tr,
  .table-wrap td { display: block; width: 100%; }

  /* Each row becomes a card — shadow only, no border */
  .table-wrap tbody tr {
    background: var(--white);
    border: 0;
    border-radius: 14px;
    margin-bottom: 22px;
    padding: 18px;
    box-shadow: 0 2px 10px rgba(0,0,0,.08);
    background-image: none !important;
  }

  /* 2-line key/value: key on its own line (left, navy, bold, uniform size), value on next line (right) */
  .table-wrap tbody td[data-label] {
    display: block;
    padding: 14px 0;
    border-top: 1px solid var(--border);
    text-align: right;
  }
  .table-wrap tbody td[data-label]::before {
    content: attr(data-label);
    display: block;
    text-align: left;
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
    letter-spacing: 0;
    text-transform: none;
  }

  /* Bank cell (first td) → full-width card header */
  .table-wrap tbody td:first-child {
    display: block;
    text-align: left;
    padding: 0 0 14px;
    margin-bottom: 4px;
    border-bottom: 1px solid var(--border);
  }

  /* Action cell (last td) → full-width button at bottom */
  .table-wrap tbody td:last-child {
    display: block;
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid var(--border);
    text-align: center;
  }
  .table-wrap tbody td:last-child .action-btn {
    display: block;
    width: 100%;
    padding: 13px;
    box-sizing: border-box;
  }

  /* Visual tuning inside cards */
  .table-wrap tbody td .rate-cell  { font-size: 22px; font-weight: 700; }
  .table-wrap tbody td .cell-sub   { font-size: 12px; margin-top: 4px; }
  .table-wrap tbody td .top-marker { display: inline-block; margin: 0 0 6px; }
  .table-wrap tbody td .es-cell    { text-align: right; }

  /* Empty-state row (colspan="6" "Keine Angebote") */
  .table-wrap tbody tr td[colspan] { text-align: center !important; }

  .table-footer { padding: 14px 4px 0; background: transparent; border: 0; }
}

/* ─── COMPARISON / DECISION TABLES → CARDS (mobile only) ── */
@media (max-width: 760px) {
  /* Strip compare-wrap chrome */
  .compare-wrap { border: 0; border-radius: 0; background: transparent; overflow: visible; }
  .compare-wrap thead { display: none; }
  .compare-wrap table,
  .compare-wrap tbody,
  .compare-wrap tr,
  .compare-wrap td { display: block; width: 100%; }

  /* Each criterion row becomes a card */
  .compare-wrap tbody tr {
    background: var(--white);
    border: 0 !important;
    border-radius: 14px;
    margin-bottom: 18px;
    padding: 16px 18px;
    box-shadow: 0 2px 10px rgba(0,0,0,.08);
  }

  /* First td = criterion title at top of card */
  .compare-wrap tbody td:first-child {
    display: block;
    padding: 8px 0;
    margin-bottom: 0;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    text-align: left;
  }

  /* Kill the global tbody tr:hover background on mobile — meaningless on touch, looks like a glitch */
  .compare-wrap tbody tr:hover,
  .table-wrap   tbody tr:hover { background: transparent; }

  /* Product tds: label-left, value-right */
  .compare-wrap tbody td[data-label] {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    gap: 12px;
    padding: 8px 0;
    border: 0;
    text-align: right;
    font-size: 14px;
  }
  .compare-wrap tbody td[data-label]::before {
    content: attr(data-label);
    flex-shrink: 0;
    font-size: 13px;
    font-weight: 600;
    color: var(--muted);
    text-align: left;
    text-transform: none;
    letter-spacing: 0;
  }

  /* Color classes still drive the value tone */
  .compare-wrap tbody td.cell-yes { color: var(--green); font-weight: 600; }
  .compare-wrap tbody td.cell-mid { color: #b45309; font-weight: 600; }
  .compare-wrap tbody td.cell-no  { color: #b91c1c; font-weight: 600; }
}