/* versicherungsbrudi – Onepager. Keine Fremd-Schriften (Datenschutz), nur Systemschriften. */
:root {
  --navy: #14213D;
  --navy-2: #1F3159;
  --orange: #F97316;
  --orange-dunkel: #C2410C;
  --text: #1A1F2B;
  --text-2: #4B5563;
  --linie: #E5E7EB;
  --hell: #F6F4EF;
  --weiss: #FFFFFF;
  --gruen: #15803D;
  --rot: #B91C1C;
  --radius: 14px;
  --schatten: 0 10px 30px rgba(20, 33, 61, .10);
}
* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; scroll-padding-top: 76px; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--weiss); color: var(--text); font: 17px/1.6 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif; }
img { max-width: 100%; }
a { color: var(--navy-2); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .6em; color: var(--navy); }
h1 { font-size: clamp(2rem, 5.2vw, 3.2rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3.4vw, 2.1rem); letter-spacing: -.01em; }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--orange); outline-offset: 2px; }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 16px; }
.wrap-schmal { max-width: 720px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; z-index: 100; background: var(--weiss); padding: 8px 12px; border-radius: 8px; }

/* Kopf */
.kopf { position: sticky; top: 0; z-index: 20; background: rgba(255, 255, 255, .94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--linie); }
.kopf-inhalt { display: flex; align-items: center; justify-content: space-between; gap: 12px; height: 60px; }
.marke { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); text-decoration: none; font-size: 1.05rem; }
.marke b { color: var(--orange); }
.marke-zeichen { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: var(--navy); color: var(--weiss); font-weight: 800; font-size: .9rem; letter-spacing: -.03em; }

/* Knöpfe */
.knopf { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 0 24px; border: 0; border-radius: 999px; background: var(--orange); color: #1A1206; font: inherit; font-weight: 700; text-decoration: none; cursor: pointer; transition: background .15s, transform .15s; }
.knopf:hover { background: #FB8A3C; }
.knopf:active { transform: translateY(1px); }
.knopf[disabled] { opacity: .6; cursor: progress; }
.knopf-klein { min-height: 40px; padding: 0 16px; font-size: .92rem; white-space: nowrap; }
@media (max-width: 379px) { .kopf .knopf-klein { display: none; } }
.knopf-zweit { background: var(--weiss); color: var(--navy); border: 2px solid var(--navy); }
.knopf-zweit:hover { background: var(--hell); }
.knopf-zurueck { background: none; border: 0; color: var(--text-2); font: inherit; cursor: pointer; padding: 12px 4px; text-decoration: underline; }
.link-knopf { background: none; border: 0; padding: 0; font: inherit; color: inherit; text-decoration: underline; cursor: pointer; }

/* Held */
.held { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); color: #E8ECF5; padding: 48px 0 56px; }
.held h1 { color: var(--weiss); }
.akzent { color: var(--orange); display: block; }
.etikett { display: inline-block; margin-bottom: 18px; padding: 6px 12px; border-radius: 999px; background: rgba(255, 255, 255, .1); font-size: .85rem; font-weight: 600; letter-spacing: .01em; }
.lead { font-size: 1.15rem; max-width: 36em; color: #D5DCEB; }
.held-raster { display: grid; gap: 32px; align-items: center; }
.held-aktion { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 18px; margin: 26px 0 22px; }
.hinweis-klein { font-size: .9rem; color: #B9C3D9; }
.vorteile { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.vorteile li { padding-left: 30px; position: relative; }
.vorteile li::before { content: ""; position: absolute; left: 0; top: .25em; width: 20px; height: 20px; border-radius: 50%; background: var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%231A1206' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat; }
.frist-karte { background: var(--weiss); color: var(--text); border-radius: var(--radius); padding: 26px; box-shadow: var(--schatten); border-top: 6px solid var(--orange); }
.frist-zahl { font-size: 2.6rem; font-weight: 800; color: var(--navy); margin: 0 0 6px; letter-spacing: -.02em; }
.frist-text { color: var(--text-2); }
.frist-link { font-weight: 700; color: var(--orange-dunkel); }

/* Abschnitte */
.abschnitt { padding: 56px 0; }
.abschnitt-hell { background: var(--hell); }
.einleitung { font-size: 1.08rem; color: var(--text-2); max-width: 40em; margin-bottom: 28px; }
.kleingedruckt { font-size: .88rem; color: var(--text-2); }
.zwei-spalten { display: grid; gap: 16px; margin-bottom: 20px; }
.fall { border: 1px solid var(--linie); border-radius: var(--radius); padding: 22px; background: var(--weiss); }
.fall .ergebnis { margin: 0; padding: 10px 14px; border-radius: 10px; font-weight: 600; font-size: .95rem; }
.fall-nein .ergebnis { background: #F3F4F6; color: var(--text); }
.fall-ja { border-color: var(--orange); box-shadow: 0 0 0 1px var(--orange); }
.fall-ja .ergebnis { background: #FFF1E6; color: #7C2D12; }

.schritte { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; }
.schritte li { background: var(--weiss); border-radius: var(--radius); padding: 22px; position: relative; }
.schritt-nr { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--weiss); font-weight: 800; margin-bottom: 12px; }
.schritte p { margin: 0; color: var(--text-2); }

.pruefliste { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.pruefliste li { padding: 14px 16px 14px 46px; border: 1px solid var(--linie); border-radius: 12px; position: relative; }
.pruefliste li::before { content: ""; position: absolute; left: 16px; top: 18px; width: 18px; height: 18px; border-radius: 5px; border: 2px solid var(--orange); }

.ueber-raster { display: grid; gap: 24px; align-items: center; }
.portrait { width: 140px; height: 140px; border-radius: 50%; background: var(--navy); display: grid; place-items: center; color: var(--weiss); font-weight: 800; font-size: 1.3rem; border: 5px solid var(--orange); }
.ehrlich { background: var(--weiss); border-left: 4px solid var(--orange); padding: 14px 16px; border-radius: 0 10px 10px 0; }
.sozial a { font-weight: 700; }

/* Formular */
.formular { background: var(--weiss); border: 1px solid var(--linie); border-radius: var(--radius); padding: 22px; box-shadow: var(--schatten); }
.fortschritt { height: 6px; background: var(--linie); border-radius: 999px; overflow: hidden; }
.fortschritt-balken { height: 100%; width: 25%; background: var(--orange); transition: width .25s; }
.schritt-info { font-size: .85rem; color: var(--text-2); margin: 8px 0 14px; }
.schritt { border: 0; padding: 0; margin: 0; min-width: 0; }
.schritt legend { font-size: 1.25rem; font-weight: 700; color: var(--navy); margin-bottom: 14px; padding: 0; }
.frage { font-weight: 700; margin: 18px 0 8px; }
.optional { font-weight: 400; color: var(--text-2); font-size: .9em; }
.wahl { display: grid; gap: 10px; }
.wahl-raster { grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); }
.wahl label { position: relative; display: block; cursor: pointer; }
.wahl input { position: absolute; opacity: 0; inset: 0; margin: 0; pointer-events: none; }
.wahl span { display: flex; align-items: center; min-height: 52px; padding: 10px 16px; border: 2px solid var(--linie); border-radius: 12px; background: var(--weiss); transition: border-color .12s, background .12s; }
.wahl label:hover span { border-color: #C7CDD8; }
.wahl input:checked + span { border-color: var(--orange); background: #FFF6EE; font-weight: 600; }
.wahl input:focus-visible + span { outline: 3px solid var(--orange); outline-offset: 2px; }
.felder { display: grid; gap: 4px 12px; grid-template-columns: 1fr; }
.feld { display: grid; gap: 4px; font-weight: 600; font-size: .95rem; margin-top: 8px; }
.feld input { font: inherit; font-weight: 400; min-height: 50px; padding: 10px 14px; border: 2px solid var(--linie); border-radius: 12px; width: 100%; background: var(--weiss); color: var(--text); }
.feld input:focus { border-color: var(--navy-2); outline: none; }
.feld input[aria-invalid="true"] { border-color: var(--rot); }
.feld-fehler { color: var(--rot); font-size: .88rem; margin: 4px 0 0; }
.feld-fehler:empty { display: none; }
.feld-hinweis { background: #EEF2FF; border-radius: 10px; padding: 12px 14px; font-size: .93rem; margin-top: 12px; }
.einwilligung { display: grid; grid-template-columns: 24px 1fr; gap: 10px; align-items: start; margin-top: 20px; font-size: .93rem; cursor: pointer; }
.einwilligung input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--orange); }
.honig { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.navi { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 22px; }
.navi .knopf { flex: 1 1 auto; max-width: 320px; margin-left: auto; }
.danke { text-align: center; padding: 18px 4px; }
.danke h3 { font-size: 1.4rem; color: var(--gruen); }
.danke:focus { outline: none; }

details { background: var(--weiss); border-radius: 12px; padding: 0 18px; margin-bottom: 10px; border: 1px solid var(--linie); }
summary { cursor: pointer; font-weight: 700; padding: 16px 0; list-style-position: outside; }
details p { color: var(--text-2); }

/* Fuß */
.fuss { background: var(--navy); color: #B9C3D9; padding: 26px 0 96px; font-size: .9rem; }
.fuss-inhalt { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; }
.fuss nav { display: flex; flex-wrap: wrap; gap: 18px; }
.fuss a, .fuss .link-knopf { color: #E8ECF5; }

/* Handy: fester Knopf unten */
.mobil-cta { position: fixed; left: 16px; right: 16px; bottom: 14px; z-index: 30; display: flex; align-items: center; justify-content: center; min-height: 52px; border-radius: 999px; background: var(--orange); color: #1A1206; font-weight: 700; text-decoration: none; box-shadow: 0 8px 24px rgba(0, 0, 0, .25); transition: opacity .2s, transform .2s; }
.mobil-cta.weg, .mobil-cta:not(.an) { opacity: 0; transform: translateY(120%); pointer-events: none; }

/* Cookie-Banner: beide Knöpfe gleich gewichtet */
.banner { position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; padding: 16px; }
.banner-inhalt { max-width: 720px; margin: 0 auto; background: var(--weiss); border-radius: var(--radius); box-shadow: 0 -4px 30px rgba(0, 0, 0, .2); padding: 18px; border: 1px solid var(--linie); font-size: .92rem; }
.banner-titel { font-weight: 800; color: var(--navy); font-size: 1.05rem; margin-bottom: 6px; }
.banner-knoepfe { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.banner .knopf { min-height: 46px; }

/* Rechtsseiten */
.recht { padding: 40px 0 64px; }
.recht h1 { font-size: 2rem; }
.recht h2 { font-size: 1.3rem; margin-top: 1.6em; }
.platzhalter { background: #FEF3C7; border: 1px dashed #B45309; padding: 0 4px; border-radius: 4px; }
.entwurf { background: #FEF3C7; border-radius: 10px; padding: 12px 14px; }

@media (min-width: 760px) {
  .held { padding: 72px 0 80px; }
  .held-raster { grid-template-columns: 1.5fr 1fr; gap: 48px; }
  .zwei-spalten { grid-template-columns: 1fr 1fr; }
  .schritte { grid-template-columns: repeat(3, 1fr); }
  .ueber-raster { grid-template-columns: 180px 1fr; gap: 36px; }
  .portrait { width: 180px; height: 180px; }
  .felder { grid-template-columns: 1fr 1fr; }
  .feld-breit { grid-column: 1 / -1; }
  .felder .feld-fehler { grid-column: span 1; }
  .formular { padding: 30px; }
  .mobil-cta { display: none; }
  .fuss { padding-bottom: 26px; }
  .abschnitt { padding: 72px 0; }
}
/* ---------- Startseite (Namens-Auftritt) ---------- */
.marke-name { gap: 12px; }
.marke-text { display: grid; line-height: 1.15; }
.marke-titel { font-weight: 800; font-size: 1.02rem; letter-spacing: -.01em; }
.marke-unter { font-size: .74rem; color: var(--text-2); letter-spacing: .02em; }
.hauptnavi { display: none; gap: 22px; margin-left: auto; margin-right: 8px; }
.hauptnavi a { color: var(--navy); text-decoration: none; font-weight: 600; font-size: .95rem; }
.hauptnavi a:hover { color: var(--orange-dunkel); }
.knopf-hell { background: transparent; color: var(--weiss); border: 2px solid rgba(255, 255, 255, .55); }
.knopf-hell:hover { background: rgba(255, 255, 255, .1); }
.knopf-voll { width: 100%; }
.aktuell-karte { background: var(--weiss); color: var(--text); border-radius: var(--radius); padding: 26px; box-shadow: var(--schatten); border-top: 6px solid var(--orange); }
.aktuell-marke { display: inline-block; font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; color: var(--orange-dunkel); margin-bottom: 8px; }
.aktuell-titel { font-size: 1.3rem; font-weight: 800; color: var(--navy); line-height: 1.25; margin-bottom: 10px; }
.aktuell-text { color: var(--text-2); font-size: .97rem; }
.karten { display: grid; gap: 14px; grid-template-columns: 1fr; }
.karte { background: var(--weiss); border: 1px solid var(--linie); border-radius: var(--radius); padding: 20px 22px; }
.abschnitt-hell .karte { border-color: transparent; }
.karte h3 { margin-bottom: .4em; }
.karte p { margin: 0; color: var(--text-2); font-size: .97rem; }
.karte-icon h3::before { content: ""; display: block; width: 28px; height: 4px; border-radius: 2px; background: var(--orange); margin-bottom: 12px; }
.mitte { text-align: center; margin: 28px 0 0; }
.zwei-spalten-text { align-items: start; gap: 28px; }
.schritte-senkrecht { grid-template-columns: 1fr !important; }
.schritte-senkrecht li { background: var(--hell); }
.wahl-klein span { min-height: 44px; font-size: .95rem; }
.feld textarea { font: inherit; font-weight: 400; padding: 10px 14px; border: 2px solid var(--linie); border-radius: 12px; width: 100%; resize: vertical; min-height: 110px; color: var(--text); background: var(--weiss); }
.feld textarea:focus { border-color: var(--navy-2); outline: none; }
.feld-fehler.feld-breit { grid-column: 1 / -1; }
@media (min-width: 640px) { .karten { grid-template-columns: 1fr 1fr; } }
@media (min-width: 960px) {
  .hauptnavi { display: flex; }
  .karten { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 420px) { .marke-unter { font-size: .7rem; } }
.knopf { text-align: center; line-height: 1.25; }
.wahl-zwei { grid-template-columns: 1fr 1fr; }
@media (max-width: 519px) {
  .kopf .knopf-klein { display: none; }
  .held-aktion .knopf { width: 100%; }
}
/* ---------- Fotos und Kontaktwege (Briefing 09.11.2026) ---------- */
.foto { margin: 0; }
.foto img, .held-bild img { display: block; width: 100%; height: auto; border-radius: var(--radius); box-shadow: var(--schatten); object-fit: cover; }
.foto-hoch img { aspect-ratio: 4 / 5; object-position: center 20%; }
.foto-quer img { aspect-ratio: 3 / 2; }
.held-bild { margin: 0; justify-self: center; width: min(100%, 360px); }
.held-bild img { aspect-ratio: 4 / 5; object-position: center 15%; border: 4px solid rgba(255, 255, 255, .12); }
.foto-raster { display: grid; gap: 28px; align-items: center; }
.schnellkontakt { display: flex; flex-wrap: wrap; gap: 8px 20px; margin: -8px 0 14px; }
.schnellkontakt:not(:has(a:not([hidden]))) { display: none; }
.schnellkontakt a { color: var(--weiss); font-weight: 700; }
.aktuell-band { background: #FFF1E6; border-bottom: 1px solid #FBD5B5; }
.aktuell-band-inhalt { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; padding-top: 16px; padding-bottom: 16px; }
.aktuell-band p { margin: 0; color: #7C2D12; flex: 1 1 320px; }
.zielgruppe { display: flex; flex-direction: column; gap: 10px; }
.zielgruppe p { flex: 1; }
.karte-link { font-weight: 700; color: var(--orange-dunkel); text-decoration: none; }
.karte-link::after { content: " →"; }
.mini-schritte { padding-left: 1.3em; margin: 0 0 1.4em; display: grid; gap: 8px; }
.mini-schritte li::marker { color: var(--orange-dunkel); font-weight: 800; }
.wege { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.weg { display: grid; gap: 4px; padding: 20px 22px; border: 2px solid var(--linie); border-radius: var(--radius); text-decoration: none; color: var(--text); background: var(--weiss); transition: border-color .15s; }
.weg:hover { border-color: var(--orange); }
.weg b { color: var(--navy); font-size: 1.1rem; }
.weg span { color: var(--text-2); font-size: .95rem; }
@media (min-width: 640px) { .karten-zwei { grid-template-columns: 1fr 1fr !important; } }
@media (min-width: 760px) {
  .held-raster { grid-template-columns: 1.4fr 1fr; }
  .held-bild { width: 100%; max-width: 380px; }
  .foto-raster { grid-template-columns: 1.5fr 1fr; gap: 48px; }
  .foto-links { grid-template-columns: 1fr 1.3fr; }
}
@media (min-width: 960px) { .karten-vier { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 759px) {
  .held-bild { order: -1; width: 180px; justify-self: start; }
  .held-bild img { aspect-ratio: 1; border-radius: 50%; border: 4px solid var(--orange); object-position: center 12%; }
  .foto-hoch { max-width: 360px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
.foto figcaption { font-size: .85rem; color: var(--text-2); margin-top: 8px; }
#erreichen .wege { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
/* ---------- Unterseite Hausbesitzer & Familien ---------- */
.held-bild-quer img { object-position: 55% 30%; }
@media (max-width: 759px) { .held-bild-quer img { object-position: 55% 18%; } }
.karte-link-zweit { font-weight: 600; font-size: .93rem; color: var(--navy-2); }
.thema { display: flex; flex-direction: column; gap: 10px; }
.thema > p:first-of-type { flex: 1; }
.karte .tipp { background: #FFF6EE; border-radius: 10px; padding: 10px 12px; font-size: .9rem; color: #7C2D12; }
.thema-hinweis { background: var(--hell); border-style: dashed; }
@media (min-width: 760px) { #ablauf .schritte { grid-template-columns: repeat(3, 1fr); } }
/* ---------- Unterseite Unternehmen ---------- */
.held-bild-zwei img { object-position: 50% 30%; }
@media (max-width: 759px) { .held-bild-zwei img { object-position: 50% 22%; } }
.branchen { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.branchen li { background: var(--weiss); border: 2px solid var(--linie); border-radius: 999px; padding: 8px 16px; font-weight: 600; color: var(--navy); }
.abschnitt:not(.abschnitt-hell) .schritte li { border: 1px solid var(--linie); }
/* ---------- Unterseite Junge Leute ---------- */
.rangfolge { list-style: none; counter-reset: rang; padding: 0; margin: 0 0 16px; display: grid; gap: 12px; }
.rangfolge li { counter-increment: rang; display: grid; grid-template-columns: 44px 1fr; column-gap: 14px; align-items: start; background: var(--hell); border-radius: var(--radius); padding: 16px 18px; }
.rangfolge li::before { content: counter(rang); grid-row: span 2; display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--orange); color: #1A1206; font-weight: 800; font-size: 1.1rem; }
.rangfolge b { color: var(--navy); font-size: 1.08rem; }
.rangfolge span { color: var(--text-2); font-size: .97rem; }
.wahl-klein span { hyphens: auto; -webkit-hyphens: auto; overflow-wrap: anywhere; }
.wahl-raster.wahl-klein { grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); }