:root {
  --ink: #0f172a;
  --muted: #475569;
  --navy: #0b1b3a;
  --navy-deep: #071326;
  --gold: #f5a623;
  --gold-deep: #d97706;
  --paper: #ffffff;
  --sheet: #f8fafc;
  --line: #e2e8f0;
  --white: #ffffff;
  --ok: #0f766e;
  --warn: #b45309;
  --bad: #be123c;
  --max: 1180px;
  --header: 68px;
  --link: #0b1b3a;
  --radius: 10px;
  --shadow: 0 8px 24px rgba(11, 27, 58, 0.08);
  --font: Inter, Arial, Helvetica, sans-serif;
  --display: Inter, Arial, Helvetica, sans-serif;
  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 24px;
  --space-xl: 32px;
  --space-2xl: 48px;
  --space-3xl: 64px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header) + 40px);
  overflow-x: clip;
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.55;
  overflow-x: clip;
  max-width: 100%;
}

button,
.btn,
.nav a,
.choice,
.anrede-opt,
.nav-toggle,
.mob-cta,
input[type="submit"] {
  cursor: pointer;
  touch-action: manipulation;
}

body.home {
  background: var(--paper);
}

/* Dashboard-Farben kommen aus css/dash.css (Dark Premium). */
body.is-app {
  background: #0f1115;
  color: #f2f4f7;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: var(--link);
}

a:hover {
  color: var(--navy);
}

.skip {
  position: absolute;
  left: -999px;
}

.skip:focus {
  left: 12px;
  top: 12px;
  z-index: 80;
  background: var(--ink);
  color: var(--paper);
  padding: 8px 12px;
}

h1,
h2,
h3 {
  color: var(--ink);
  font-family: var(--display);
  font-weight: 600;
  letter-spacing: -0.015em;
  line-height: 1.18;
}

h1 {
  font-size: 2.15rem;
}

h2 {
  font-size: 1.4rem;
}

.wrap {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
}

.topbar {
  background: var(--navy);
  color: #f4f7fb;
  font-size: 13px;
  font-family: var(--font);
}

.topbar-inner {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 7px 0;
}

.topbar a {
  color: #fff;
}

.header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.nav,
.btn,
.field,
.hint,
.conditions,
.topbar {
  font-family: var(--font);
}

.header-inner {
  position: relative;
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
  min-height: var(--header);
  display: flex;
  align-items: center;
  gap: 20px;
  min-width: 0;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
  text-decoration: none;
  color: var(--ink);
  font-family: var(--font);
  font-weight: 700;
  font-size: 1.05rem;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.logo-mark {
  display: block;
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  border-radius: 0;
}

.logo-word {
  color: var(--navy);
}

.logo:hover,
.logo:hover .logo-word {
  color: var(--navy);
  text-decoration: none;
}

.site-tel {
  margin-left: 8px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}

.site-tel:hover {
  color: var(--navy);
  text-decoration: underline;
}

.ads-strip {
  position: relative;
  margin: 0;
  overflow: hidden;
  background: var(--navy);
  color: #d7e0ec;
  font-size: 12px;
  letter-spacing: 0.02em;
  line-height: 1.4;
}

.ads-strip-inner {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 6px 20px;
  padding: 8px 0;
}

.header-home .ads-strip-inner {
  width: min(var(--max), calc(100% - 32px));
}

.ads-strip strong {
  color: var(--gold);
  font-weight: 700;
}

.ads-strip a {
  color: #fff;
  font-weight: 700;
}

.apr-max {
  margin: 0 0 16px;
  padding: 12px 0 12px 14px;
  background: transparent;
  border: 0;
  border-left: 3px solid var(--gold);
  color: var(--ink);
  font-size: 15px;
  line-height: 1.4;
  border-radius: 0;
}

.apr-max b {
  display: block;
  margin-top: 2px;
  font-family: var(--font);
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--ink);
}

.calc-panel .apr-max {
  color: #fff;
  border-left-color: var(--gold);
}

.calc-panel .apr-max b {
  color: #fff;
}

.ads-legal {
  margin: 0 0 22px;
  padding: 16px 18px;
  border: 1px solid var(--line);
  background: var(--sheet);
  border-radius: var(--radius);
}

.ads-legal .apr-max {
  margin-bottom: 12px;
}

.ads-legal p {
  margin: 0 0 10px;
  font-size: 14px;
  color: var(--ink);
}

.ads-legal p:last-child {
  margin-bottom: 0;
}

/* Google Ads: Finanzdienstleistungs-Pflichtangaben (sichtbar auf Anzeigen-LPs) */
.ads-fs-wrap {
  margin: 0;
  padding: 0 0 var(--space-lg);
  background: var(--paper);
}

.home .ads-fs-wrap {
  padding: var(--space-md) 0 var(--space-xl);
  background: linear-gradient(180deg, #f1f5f9 0%, var(--paper) 100%);
}

.land .ads-fs-wrap {
  padding: 0 0 var(--space-lg);
}

.ads-fs {
  margin: 0;
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  background: var(--sheet);
  border-radius: var(--radius);
  color: var(--ink);
  font-size: 15px;
  line-height: 1.55;
}

.ads-fs p {
  margin: 0 0 10px;
  color: var(--ink);
  font-size: 15px;
  line-height: 1.55;
}

.ads-fs p:last-child {
  margin-bottom: 0;
}

.ads-fs-firm {
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
}

.ads-fs-fee strong,
.ads-fs-apr strong {
  color: var(--navy);
  font-weight: 700;
}

.ads-fs-pangv {
  padding-top: 8px;
  border-top: 1px solid var(--line);
  font-size: 14px;
}

.apply-intro .ads-fs {
  margin: 16px 0 0;
  max-width: 68ch;
}

.nav {
  display: flex;
  gap: 22px;
  margin-left: auto;
  font-size: 14px;
  font-weight: 500;
}

.nav a {
  padding: 8px 0;
  border-radius: 0;
  text-decoration: none;
  color: var(--muted);
  border-bottom: 1px solid transparent;
}

.nav a.is-on,
.nav a:hover {
  color: var(--ink);
  background: transparent;
  border-bottom-color: var(--ink);
  text-decoration: none;
}

.header .btn {
  margin-left: 8px;
}

.nav-toggle {
  display: none;
  margin-left: auto;
  flex: 0 0 auto;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  min-width: 44px;
  min-height: 44px;
  padding: 0;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--navy);
  font: inherit;
}

.nav-toggle-bars {
  position: relative;
  display: block;
  width: 18px;
  height: 14px;
}

.nav-toggle-bars span {
  position: absolute;
  left: 0;
  right: 0;
  height: 2px;
  background: currentColor;
  border-radius: 1px;
  transition: transform 0.18s ease, top 0.18s ease, opacity 0.18s ease;
}

.nav-toggle-bars span:nth-child(1) {
  top: 0;
}

.nav-toggle-bars span:nth-child(2) {
  top: 6px;
}

.nav-toggle-bars span:nth-child(3) {
  top: 12px;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(1) {
  top: 6px;
  transform: rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(3) {
  top: 6px;
  transform: rotate(-45deg);
}

.nav-toggle:hover,
.nav-toggle:focus-visible {
  border-color: var(--navy);
  outline: 2px solid var(--navy);
  outline-offset: 2px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 18px;
  border: 0;
  border-radius: 10px;
  font-family: var(--font);
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.01em;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.16s ease, color 0.16s ease, border-color 0.16s ease;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
}

.btn-gold:hover {
  background: #e09010;
  color: var(--navy);
}

.btn-navy {
  background: var(--ink);
  color: var(--paper);
}

.btn-ghost {
  background: #fff;
  color: var(--navy);
  border: 1px solid #d4deea;
  border-radius: 10px;
}

.btn-wide {
  width: 100%;
}

.header-home {
  position: static;
  background: var(--paper);
  border-bottom: 0;
}

.header-home .header-inner {
  position: sticky;
  top: 0;
  z-index: 21;
  width: 100%;
  max-width: none;
  min-height: var(--header);
  padding-left: max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.home-mail {
  margin-left: 8px;
  color: #1a2a36;
  font-size: 14px;
  text-decoration: none;
  white-space: nowrap;
}

.home-mail:hover {
  color: #0b2b4a;
  text-decoration: underline;
}

.hero {
  position: relative;
  overflow: hidden;
  color: #fff;
  border-bottom: 0;
  background: var(--navy-deep);
}

.hero-bg {
  display: block;
  position: absolute;
  inset: 0 auto 0 42%;
  width: 58%;
}

.hero-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, var(--navy-deep) 0%, rgba(7, 19, 38, 0.72) 38%, rgba(7, 19, 38, 0.28) 100%);
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 62% 42%;
}

.hero-box {
  position: relative;
  z-index: 2;
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 400px);
  gap: 32px;
  align-items: start;
  padding: 28px 0 32px;
}

.hero-copy {
  max-width: 36rem;
  padding-top: 12px;
}

.hero-kicker {
  margin: 0 0 10px;
  color: #e8eef6;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0;
  text-transform: none;
}

.hero-copy h1,
.hero-line {
  margin: 0;
  max-width: 18ch;
  font-family: var(--font);
  font-size: clamp(1.7rem, 3.2vw, 2.35rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: #fff;
  text-shadow: none;
}

.hero-sub {
  margin: 14px 0 0;
  max-width: 46ch;
  color: rgba(255, 255, 255, 0.9);
  font-size: 1rem;
  line-height: 1.6;
}

.calc-panel {
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  padding: 20px 20px 0;
  background: var(--navy);
  color: #fff;
  box-shadow: none;
}

.calc-panel h1,
.calc-panel h2 {
  margin: 0 0 8px;
  text-align: left;
  font-size: 1.35rem;
  font-weight: 700;
  color: #fff;
}

.calc-lead {
  margin: 0 0 14px;
  color: #d5deea;
  font-size: 16px;
  line-height: 1.55;
}

.metrics-easy {
  grid-template-columns: repeat(3, 1fr);
}

.proof {
  padding: 0;
  border-bottom: 1px solid var(--line);
}

.proof-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  margin: 0;
  padding: 0;
  list-style: none;
}

.proof-grid li {
  padding: 18px 18px 18px 0;
  border: 0;
  border-right: 1px solid var(--line);
  border-radius: 0;
  background: transparent;
}

.proof-grid li:last-child {
  border-right: 0;
  padding-right: 0;
}

.proof-grid span {
  display: block;
  margin-bottom: 4px;
  color: var(--muted);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.proof-grid b {
  color: var(--ink);
  font-size: 15px;
  font-weight: 600;
}

.brand-note,
.legal-card {
  margin: 0 0 var(--space-2xl);
  padding: 0 0 4px;
  border: 0;
  border-top: 1px solid var(--line);
  border-radius: 0;
  background: transparent;
  padding-top: 22px;
}

.brand-note h2,
.legal-card h2 {
  margin: 0 0 8px;
}

.brand-note p,
.legal-card p {
  margin: 0;
  max-width: 68ch;
  color: var(--muted);
}

.easy {
  padding: 8px 0 40px;
  background: var(--paper);
}

.easy-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  margin: 0 0 22px;
  padding: 0;
  list-style: none;
  font-size: 1.05rem;
}

.easy-steps li {
  display: flex;
  align-items: baseline;
  gap: 10px;
  padding: 4px 24px 4px 0;
  background: transparent;
  border: 0;
  border-right: 1px solid var(--line);
  border-radius: 0;
}

.easy-steps li:last-child {
  border-right: 0;
  padding-right: 0;
}

.easy-steps strong {
  display: inline;
  width: auto;
  height: auto;
  flex: 0 0 auto;
  margin-right: 0;
  border-radius: 0;
  background: transparent;
  color: var(--gold-deep);
  font-family: var(--display);
  font-size: 1.15rem;
}

.easy-note {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  max-width: 62ch;
}

.roles {
  padding: 8px 0 32px;
  background: var(--paper);
}

.aufsicht {
  padding: 0 0 64px;
}

.aufsicht h2 {
  margin: 0 0 8px;
}

.aufsicht p {
  margin: 0;
  max-width: 68ch;
  color: var(--muted);
}

.roles h2 {
  margin: 0 0 8px;
}

.roles-lead {
  margin: 0 0 22px;
  max-width: 68ch;
  color: var(--muted);
}

.roles-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 32px;
  align-items: start;
}

.page .roles-grid {
  margin: 18px 0 32px;
}

.role {
  margin: 0;
  padding: 16px 0 0;
  border: 0;
  border-top: 2px solid var(--ink);
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}

.role p {
  margin: 0;
  font-size: 15px;
  color: var(--muted);
}

.role-k {
  display: block;
  margin: 0 0 8px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

.role h3 {
  margin: 0 0 10px;
  font-size: 1.25rem;
}

.role.is-us {
  background: transparent;
  border-color: var(--gold);
  box-shadow: none;
}

.role.is-us .role-k {
  color: var(--gold-deep);
}

.role.is-us h3 {
  color: var(--ink);
}

.role.is-us p {
  color: var(--muted);
}

.role-join {
  display: none;
}

.role-join {
  display: none;
}

.calc-cta {
  margin: 12px 0 0;
  min-height: 48px;
  border-radius: 10px;
  font-size: 16px;
  font-weight: 700;
}

.calc-facts {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin: 4px 0 0;
  padding: 14px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.calc-facts div {
  text-align: left;
}

.calc-facts span {
  display: block;
  color: #c5d0e0;
  font-size: 14px;
  font-weight: 600;
}

.calc-facts b {
  display: block;
  margin-top: 4px;
  color: #fff;
  font-size: 16px;
}

.calc-legal {
  margin: 0 -20px 0;
  padding: 12px 20px 16px;
  background: #071326;
  color: #d7e0ec;
  font-size: 16px;
  line-height: 1.55;
  border-radius: 0 0 12px 12px;
}

.calc-secure {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 10px -20px 0;
  padding: 10px 20px 8px;
  background: #071326;
  color: #e8eef6;
  font-size: 14px;
  font-weight: 600;
}

.pangv {
  margin: 14px 0 0;
  padding: 12px 14px;
  background: var(--sheet);
  border: 1px solid var(--line);
  border-radius: 12px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.5;
}

.range-field {
  margin-bottom: 16px;
}

.range-field label {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 4px;
}

.calc-panel .range-field label {
  color: #e8eef6;
  font-size: 16px;
}

.calc-panel .range-field label strong {
  color: #fff;
}

.range-field input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  display: block;
  width: 100%;
  height: 44px;
  margin: 0;
  background: transparent;
  accent-color: var(--gold);
  touch-action: manipulation;
}

.range-field input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 999px;
  background: #d4deea;
}

.calc-panel .range-field input[type="range"]::-webkit-slider-runnable-track {
  background: rgba(255, 255, 255, 0.22);
}

.range-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 28px;
  height: 28px;
  margin-top: -11px;
  border: 2px solid var(--navy);
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 2px 8px rgba(11, 27, 58, 0.28);
}

.calc-panel .range-field input[type="range"]::-webkit-slider-thumb {
  border-color: #fff;
}

.range-field input[type="range"]::-moz-range-track {
  height: 6px;
  border: 0;
  border-radius: 999px;
  background: #d4deea;
}

.calc-panel .range-field input[type="range"]::-moz-range-track {
  background: rgba(255, 255, 255, 0.22);
}

.range-field input[type="range"]::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border: 2px solid var(--navy);
  border-radius: 50%;
  background: var(--gold);
}

.calc-panel .range-field input[type="range"]::-moz-range-thumb {
  border-color: #fff;
}

.range-field input[type="range"]:focus {
  outline: none;
}

.range-field input[type="range"]:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 8px;
}

.metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin: 8px 0 16px;
  text-align: center;
}

.metrics div {
  border: 0;
  border-top: 1px solid var(--line);
  border-radius: 0;
  padding: 8px 0;
  background: transparent;
  text-align: left;
}

.calc-panel .metrics div {
  border-top-color: rgba(255, 255, 255, 0.12);
}

.metrics span {
  display: block;
  font-size: 12px;
  color: var(--muted);
}

.calc-panel .metrics span {
  color: #93a4bb;
}

.metrics b {
  display: block;
  margin-top: 2px;
  color: var(--navy);
  font-size: 15px;
}

.calc-panel .metrics b {
  color: #fff;
}

.metrics .is-apr b {
  font-size: 17px;
}

.rate-now {
  text-align: left;
  margin: 0 0 14px;
}

.rate-now .sum {
  display: block;
  font-family: var(--font);
  font-size: 2rem;
  font-weight: 750;
  color: var(--ink);
}

.calc-panel .rate-now .sum {
  color: #fff;
}

.rate-now small {
  color: var(--muted);
}

.calc-panel .rate-now small {
  color: #93a4bb;
}

.rate-now .sum.is-fresh {
  animation: pop 0.28s ease;
}

.fine {
  font-size: 11px;
  line-height: 1.45;
  color: #667078;
}

.hours,
.compare,
.express-note {
  margin: 8px 0 0;
  font-size: 13px;
  color: var(--muted);
}

.section,
.page {
  padding: 36px 0 56px;
}

.lede {
  color: var(--muted);
  max-width: 68ch;
}

.process {
  margin: 32px 0 8px;
  border-top: 0;
}

.process article {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 18px;
  margin-bottom: 0;
  padding: 20px 0;
  border: 0;
  border-top: 1px solid var(--line);
  border-radius: 0;
  background: transparent;
}

.process .nr {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
}

.process h2 {
  margin: 0 0 8px;
  font-size: 1.15rem;
}

.process p {
  margin: 0;
  max-width: 68ch;
}

.prepare {
  margin-top: 36px;
}

.prepare h2 {
  margin-bottom: 10px;
}

.prepare p {
  max-width: 68ch;
}

.note {
  margin-top: 32px;
  padding: 16px 0;
  background: transparent;
  border: 0;
  border-top: 1px solid var(--line);
  border-radius: 0;
}

.note p {
  margin: 0;
  font-size: 13px;
  line-height: 1.5;
  color: var(--muted);
  max-width: none;
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.legal h2 {
  margin: 28px 0 8px;
  font-size: 1.15rem;
}

.legal p {
  max-width: 68ch;
}

body.legal-page {
  background:
    radial-gradient(900px 420px at 50% -120px, rgba(245, 166, 35, 0.16), transparent 60%),
    #eef2f7;
}

body.legal-page .legal {
  width: min(760px, calc(100% - 32px));
  margin: 0 auto;
  padding: 36px 40px 44px;
  background: #fff;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 28px;
  box-shadow: 0 28px 60px rgba(15, 23, 42, 0.08);
}

.legal-dl {
  display: grid;
  grid-template-columns: minmax(140px, 34%) 1fr;
  gap: 12px 22px;
  margin: 18px 0 8px;
}

.legal-dl dt {
  margin: 0;
  color: #64748b;
  font-size: 13px;
  font-weight: 700;
}

.legal-dl dd {
  margin: 0;
}

.company-facts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 28px 0;
}

.company-facts article {
  margin: 0;
  padding: 20px 20px 18px;
  background: #fff;
  border: 1px solid #e8edf4;
  border-radius: 18px;
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.05);
}

.company-facts h2 {
  margin: 0 0 8px;
  font-size: 1rem;
}

.company-facts p {
  margin: 0;
  color: var(--muted);
}

.cols3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 18px;
}

.cols3 h3 {
  margin: 0 0 8px;
}

.facts,
.need-list {
  margin: 0;
  padding-left: 18px;
}

.facts li,
.need-list li {
  margin: 6px 0;
}

.conditions {
  width: 100%;
  border-collapse: collapse;
}

.conditions th,
.conditions td {
  text-align: left;
  padding: 8px 6px;
  border-bottom: 1px solid var(--line);
  font-size: 15px;
}

.conditions th {
  width: 42%;
  color: var(--muted);
  font-weight: 600;
}

body.faq-page {
  background:
    radial-gradient(900px 420px at 50% -120px, rgba(245, 166, 35, 0.16), transparent 60%),
    #eef2f7;
}

.faq-toc {
  margin: 0 0 22px;
  padding: 20px 22px 18px;
  border: 1px solid #e8edf4;
  border-radius: 20px;
  background: #fff;
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.05);
  font-family: var(--font);
  font-size: 15px;
}

.faq-toc strong {
  display: block;
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.faq-toc ol {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 24px;
  margin: 0;
  padding-left: 20px;
}

.faq-toc li {
  margin: 4px 0;
}

.faq-toc a {
  color: var(--ink);
  text-decoration: none;
}

.faq-toc a:hover {
  color: var(--navy);
  text-decoration: underline;
}

.faq-article {
  margin: 0 0 12px;
  padding: 24px 26px 18px;
  border: 1px solid #e8edf4;
  border-radius: 20px;
  background: #fff;
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.05);
}

.faq-article img {
  width: 100%;
  height: 240px;
  object-fit: cover;
  margin: 0 0 18px;
  border-radius: 14px;
}

.faq-article h2 {
  margin-top: 0;
  font-size: 1.2rem;
}

.faq-article p {
  max-width: 68ch;
}

.feed {
  display: grid;
  gap: 14px;
}

.feed-item {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 14px 16px;
  background: #fff;
}

.feed-item header {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 13px;
  color: var(--muted);
  border: 0;
}

.feed-item h3,
.feed-item strong {
  color: var(--ink);
  font-size: 15px;
}

.feed-item p {
  margin: 8px 0 0;
}

.stars {
  color: #e0a100;
  letter-spacing: 1px;
}

.cta-end {
  background: var(--sheet);
  color: var(--ink);
  padding: 36px 0;
  text-align: left;
  border-top: 1px solid var(--line);
}

.cta-end h2 {
  color: var(--navy);
}

.cta-end p {
  color: var(--muted);
}

.footer {
  background: var(--navy);
  color: #c5d0e0;
  padding: 40px 0 22px;
  font-size: 14px;
  font-family: var(--font);
}

.footer a {
  color: #fff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 20px;
}

.footer ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer li {
  margin: 6px 0;
}

.cookie-bar {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 80;
  padding: 0;
  background: transparent;
}

body.has-cookie .caf-chat {
  visibility: hidden;
  pointer-events: none;
}

.cookie-bar-inner {
  width: min(560px, 100%);
  margin: 0 auto;
  display: grid;
  gap: 16px;
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: var(--shadow);
  color: var(--ink);
}

.cookie-title {
  margin: 0 0 8px;
  font-size: 1.05rem;
  font-weight: 700;
}

.cookie-bar p {
  margin: 0;
  font-size: 16px;
  line-height: 1.55;
  color: var(--ink);
}

.cookie-bar .cookie-title {
  color: var(--ink);
}

.cookie-bar a {
  color: var(--link);
}

.cookie-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 10px;
}

.cookie-reopen {
  appearance: none;
  margin: 0;
  padding: 0;
  border: 0;
  background: none;
  color: inherit;
  font: inherit;
  text-decoration: underline;
  text-underline-offset: 2px;
  cursor: pointer;
}

.cookie-reopen:hover {
  color: var(--gold);
}

.cookie-reopen:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 3px;
}

.cookie-trail,
.cookie-apps {
  margin: 0;
  padding-left: 18px;
}

.cookie-trail li,
.cookie-apps li {
  margin: 6px 0;
}

body.apply {
  background:
    radial-gradient(900px 420px at 50% -120px, rgba(245, 166, 35, 0.22), transparent 60%),
    radial-gradient(700px 280px at 100% 8%, rgba(11, 27, 58, 0.06), transparent 55%),
    #eef2f7;
}

.form-hero {
  padding: 36px 0 12px;
}

.form-hero .wrap {
  width: min(720px, calc(100% - 32px));
  text-align: center;
}

.apply-intro .hint {
  margin: 0;
  color: var(--gold-deep);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.apply-intro h1 {
  margin: 10px 0 8px;
  font-size: clamp(2rem, 4vw, 2.55rem);
  letter-spacing: -0.035em;
}

.apply-lead {
  margin: 0 auto 22px;
  max-width: 40ch;
  color: var(--muted);
  font-size: 16px;
}

.apply-sum {
  margin: 0 0 18px;
  max-width: 62ch;
}

.apply-quote {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  padding: 8px 8px 14px;
  border-radius: 24px;
  background: linear-gradient(180deg, #12264c 0%, var(--navy) 100%);
  color: #fff;
  box-shadow: 0 22px 48px rgba(11, 27, 58, 0.28);
  text-align: left;
}

.apply-quote div {
  padding: 16px 18px 10px;
  border-right: 1px solid rgba(255, 255, 255, 0.1);
}

.apply-quote div:last-of-type {
  border-right: 0;
}

.apply-quote span {
  display: block;
  color: rgba(255, 255, 255, 0.58);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.apply-quote b {
  display: block;
  margin-top: 6px;
  color: var(--gold);
  font-size: clamp(1.05rem, 2.4vw, 1.35rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}

.apply-edit {
  grid-column: 1 / -1;
  margin: 2px 10px 6px;
  padding: 8px 8px 4px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.72);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
}

.apply-edit:hover {
  color: var(--gold);
}

.apply-intro .ads-legal {
  max-width: 68ch;
}

@media (max-width: 640px) {
  .ads-fs {
    padding: 14px 16px;
    font-size: 14px;
  }

  .ads-fs p,
  .ads-fs-pangv {
    font-size: 14px;
  }

  .ads-fs-firm {
    font-size: 15px;
  }
}

.steps-bar {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin: 0 0 16px;
  padding: 0;
  list-style: none;
}

.steps-bar li {
  display: flex;
  align-items: center;
  gap: 10px;
  min-height: 54px;
  padding: 0 16px;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 16px;
  background: #fff;
  color: var(--muted);
  font-size: 14px;
  font-weight: 650;
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.04);
}

.steps-bar li b {
  display: inline-grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 999px;
  background: #e8edf4;
  color: var(--navy);
  font-family: var(--display);
  font-size: 13px;
  font-weight: 800;
}

.steps-bar .is-on {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
  box-shadow: 0 14px 28px rgba(11, 27, 58, 0.2);
}

.steps-bar .is-on b {
  background: var(--gold);
  color: var(--navy);
}

.steps-bar .is-done {
  border-color: #dbe7dc;
  background: #f3faf4;
  color: var(--ok);
}

.steps-bar .is-done b {
  background: var(--ok);
  color: #fff;
}

.form-wrap {
  width: min(720px, calc(100% - 32px));
  margin: 0 auto 72px;
}

.sheet {
  position: relative;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 28px;
  padding: 32px 32px 24px;
  background: #fff;
  box-shadow: 0 28px 60px rgba(15, 23, 42, 0.08);
}

.sheet h2 {
  margin: 0 0 6px;
  letter-spacing: -0.025em;
}

.sheet > .step > .hint {
  margin: 0 0 22px;
}

.progress {
  display: flex;
  gap: 12px;
  font-size: 14px;
  color: var(--muted);
}

.progress .is-on {
  color: var(--navy);
  font-weight: 700;
}

.field {
  margin: 0 0 18px;
}

fieldset.field {
  border: 0;
  padding: 0;
  min-width: 0;
}

.field label,
.field legend {
  display: block;
  margin-bottom: 8px;
  font-size: 13px;
  font-weight: 700;
  color: #1e293b;
}

.field input:not([type="radio"]):not([type="checkbox"]),
.field select,
.field textarea {
  width: 100%;
  min-height: 52px;
  padding: 12px 16px;
  border: 1px solid #d4deea;
  border-radius: 14px;
  background: #eef2f7;
  font: inherit;
  transition: border-color 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}

.field input[type="date"],
.field input[type="month"] {
  color-scheme: light;
}

.field input[type="date"]::-webkit-calendar-picker-indicator,
.field input[type="month"]::-webkit-calendar-picker-indicator {
  cursor: pointer;
  opacity: 0.55;
}

.field select {
  appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16' fill='none'><path d='M4 6.2L8 10l4-3.8' stroke='%230b1b3a' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 42px;
}

.field input:not([type="radio"]):not([type="checkbox"]):hover,
.field select:hover,
.field textarea:hover {
  border-color: #c5d0de;
}

.field input:not([type="radio"]):not([type="checkbox"]):focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(245, 166, 35, 0.22);
}

.field input:user-invalid,
.field select:user-invalid,
.field textarea:user-invalid {
  border-color: var(--bad);
  background: #fff7f8;
  box-shadow: 0 0 0 4px rgba(190, 18, 60, 0.1);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-block {
  margin: 0 0 18px;
  padding: 20px 18px 10px;
  border: 1px solid #e8edf4;
  border-radius: 20px;
  background: #f8fafc;
}

.form-block h3 {
  margin: 0 0 14px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
}

.form-block .field:last-child {
  margin-bottom: 8px;
}

.choice-row,
.choice-grid {
  display: grid;
  gap: 8px;
}

.choice-row {
  grid-template-columns: 1fr 1fr;
}

.choice-grid {
  grid-template-columns: 1fr 1fr 1fr;
}

.choice-grid-2 {
  grid-template-columns: 1fr 1fr;
}

.choice-row .choice,
.choice-grid .choice {
  justify-content: center;
  min-height: 48px;
  padding: 10px 12px;
  text-align: center;
}

.choice span {
  font-size: 14px;
  font-weight: 650;
}

.money-group,
.tel-group {
  display: flex;
  align-items: stretch;
  min-height: 52px;
  overflow: hidden;
  border: 1px solid #d4deea;
  border-radius: 14px;
  background: #eef2f7;
  transition: border-color 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}

.money-group:hover,
.tel-group:hover {
  border-color: #c5d0de;
}

.money-group:focus-within,
.tel-group:focus-within {
  border-color: var(--gold);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(245, 166, 35, 0.22);
}

.money-group input,
.tel-group input {
  flex: 1;
  width: auto;
  min-width: 0;
  border: 0;
  background: transparent;
}

.field .money-group input:not([type="radio"]):not([type="checkbox"]),
.field .money-group input:not([type="radio"]):not([type="checkbox"]):focus,
.field .tel-group input:not([type="radio"]):not([type="checkbox"]),
.field .tel-group input:not([type="radio"]):not([type="checkbox"]):focus {
  border: 0;
  outline: none;
  background: transparent;
  min-height: 50px;
  box-shadow: none;
}

.money-group span {
  display: inline-flex;
  align-items: center;
  padding: 0 16px;
  border-left: 1px solid #e2e8f0;
  color: var(--navy);
  font-weight: 800;
}

.tel-cc {
  display: inline-flex;
  align-items: center;
  padding: 0 14px;
  border-right: 1px solid #e2e8f0;
  background: #eef2f8;
  color: var(--navy);
  font-weight: 800;
  letter-spacing: 0.02em;
  user-select: none;
}

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

.choice {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 0 14px;
  border: 1px solid #dbe3ee;
  border-radius: 14px;
  background: #fff;
  cursor: pointer;
  transition: border-color 0.16s ease, background 0.16s ease, box-shadow 0.16s ease, color 0.16s ease;
}

.choice input {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  margin: 0;
  opacity: 1;
  appearance: none;
  -webkit-appearance: none;
  background: transparent;
  border: 0;
  pointer-events: none;
}

.choice:hover {
  border-color: #c5d0de;
}

.choice:has(input:checked) {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
  box-shadow: 0 10px 22px rgba(11, 27, 58, 0.16);
}

.choice:has(input:focus-visible) {
  box-shadow: 0 0 0 4px rgba(245, 166, 35, 0.28);
}

.anrede-seg {
  display: flex;
  flex-wrap: wrap;
  padding: 0;
  gap: 10px;
  border: 0;
  background: transparent;
}

.anrede-opt {
  position: relative;
  margin: 0;
  cursor: pointer;
}

.anrede-opt input {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  margin: 0;
  padding: 0;
  opacity: 1;
  appearance: none;
  -webkit-appearance: none;
  background: transparent;
  border: 0;
  cursor: pointer;
}

.anrede-opt span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 112px;
  min-height: 48px;
  padding: 0 22px;
  border: 1px solid #d4deea;
  border-radius: 999px;
  background: #eef2f7;
  color: var(--muted);
  font-size: 15px;
  font-weight: 700;
  transition: background 0.16s ease, color 0.16s ease, border-color 0.16s ease, box-shadow 0.16s ease;
}

.anrede-opt:hover span {
  border-color: #c5d0de;
}

.anrede-opt:has(input:checked) span {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
  box-shadow: 0 10px 20px rgba(11, 27, 58, 0.16);
}

.anrede-opt input:focus-visible + span {
  box-shadow: 0 0 0 4px rgba(245, 166, 35, 0.28);
}

.thanks {
  padding: 36px 0 64px;
}

.thanks-card {
  width: min(640px, 100%);
  margin: 0 auto;
  padding: 36px 32px 32px;
  background: #fff;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 28px;
  box-shadow: 0 28px 60px rgba(15, 23, 42, 0.08);
}

.thanks-kicker {
  margin: 0 0 8px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}

.thanks-card h1 {
  margin: 0 0 12px;
}

.thanks-card .lede {
  margin: 0 0 22px;
  max-width: 54ch;
}

.thanks-nr {
  margin: 0 0 22px;
  padding: 18px 20px;
  background: var(--navy);
  border: 0;
  border-radius: 18px;
}

.thanks-nr span {
  display: block;
  margin-bottom: 6px;
  color: rgba(255, 255, 255, 0.62);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.thanks-nr strong {
  display: block;
  min-height: 1.4em;
  font-size: 1.75rem;
  line-height: 1.2;
  color: var(--gold);
  letter-spacing: 0.08em;
  font-variant-numeric: tabular-nums;
}

.thanks-next {
  margin: 0 0 22px;
  padding: 0 0 0 20px;
}

.thanks-next li {
  margin: 8px 0;
}

.check {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin: 10px 0;
  padding: 14px 16px;
  border: 1px solid #e8edf4;
  border-radius: 14px;
  background: #f8fafc;
  font-size: 15px;
}

.check:has(input:checked) {
  border-color: #c9d6c9;
  background: #f3faf4;
}

.check input {
  width: 20px;
  height: 20px;
  min-height: 0;
  margin-top: 2px;
  accent-color: var(--navy);
}

.form-nav {
  display: flex;
  gap: 12px;
  margin-top: 28px;
  padding-top: 8px;
}

.opt-more {
  margin: 18px 0 0;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--sheet);
}

.opt-more summary {
  cursor: pointer;
  list-style: none;
  padding: 14px 16px;
  font-size: 14px;
  font-weight: 650;
  color: var(--ink);
}

.opt-more summary::-webkit-details-marker {
  display: none;
}

.opt-more summary::after {
  content: "+";
  float: right;
  color: var(--muted);
  font-weight: 700;
}

.opt-more[open] summary::after {
  content: "–";
}

.opt-more summary:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.opt-more .hint,
.opt-more .field,
.opt-more fieldset {
  margin-left: 16px;
  margin-right: 16px;
}

.opt-more .field:last-child,
.opt-more .hint:last-child {
  margin-bottom: 16px;
}

.cta-promise {
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 13px;
  font-weight: 600;
  text-align: center;
}

.calc-panel .cta-promise {
  margin: 8px 0 0;
  color: #ffe7b0;
  text-align: left;
}

.amount-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.amount-pills a {
  display: inline-flex;
  align-items: center;
  min-height: 40px;
  padding: 0 14px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--sheet);
  color: var(--ink);
  font-size: 13px;
  font-weight: 650;
  text-decoration: none;
}

.amount-pills a:hover,
.amount-pills a.is-on {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
}

.land-hero .amount-pills a {
  border-color: rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
}

.land-hero .amount-pills a:hover,
.land-hero .amount-pills a.is-on {
  border-color: #fff;
  background: #fff;
  color: var(--navy);
}

.land-hero {
  padding: 36px 0 28px;
  background: var(--navy-deep);
  color: #fff;
}

.land-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 420px);
  gap: 40px;
  align-items: start;
}

.land-copy .hero-kicker {
  color: #ffe7b0;
}

.land-copy .hero-line {
  max-width: 16ch;
}

.land-copy .hero-sub {
  max-width: 48ch;
}

.land-points {
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.land-points li {
  position: relative;
  margin: 10px 0;
  padding-left: 18px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 15px;
}

.land-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

.land-body {
  padding: 48px 0 16px;
}

.land-body h2 {
  margin: 0 0 12px;
  font-size: clamp(1.5rem, 3vw, 2rem);
}

.land-body p {
  max-width: 68ch;
  color: var(--muted);
}

.trust-note {
  margin: 16px 0 0;
  padding: 12px 14px;
  border-left: 3px solid var(--gold);
  background: rgba(7, 19, 38, 0.35);
  color: #e8eef6;
  font-size: 14px;
  line-height: 1.45;
}

.form-nav .btn {
  min-height: 52px;
}

.form-nav .btn-gold {
  flex: 1;
}

.form-nav .btn-ghost {
  border-radius: 999px;
  border-color: #dbe3ee;
  background: #fff;
}

.step {
  display: none;
}

.step.is-on {
  display: block;
  animation: apply-in 0.38s cubic-bezier(0.22, 1, 0.36, 1);
}

@keyframes apply-in {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

.hint {
  color: var(--muted);
  font-size: 14px;
}

.error {
  color: var(--bad);
}

.form-err-box {
  margin: 0 0 20px;
  padding: 14px 16px;
  border: 1px solid #fecdd3;
  border-radius: 16px;
  background: #fff1f2;
}

.form-err-box[hidden] {
  display: none;
}

.form-err-box h3 {
  margin: 0 0 6px;
  color: var(--bad);
  font-size: 1rem;
}

.form-err-box p,
.form-err-box a {
  margin: 0;
  color: var(--bad);
}

.form-err-box ul {
  margin: 8px 0 0;
  padding-left: 18px;
}

.form-err-box li {
  margin: 4px 0;
}

.need {
  color: var(--bad);
  font-weight: 700;
}

[hidden] {
  display: none !important;
}

.fact-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0 0 18px;
  padding: 0;
  list-style: none;
}

.fact-chips li,
.fact-chips a {
  display: inline-flex;
  align-items: center;
  min-height: 28px;
  padding: 0 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  color: var(--ink);
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
}

.fact-chips li + li::before {
  content: "·";
  margin-right: 8px;
  color: var(--gold-deep);
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 22px 0;
}

.contact-card {
  margin: 0;
  padding: 16px 0 0;
  background: transparent;
  border: 0;
  border-top: 2px solid var(--ink);
  border-radius: 0;
}

.contact-card h2 {
  margin: 0 0 8px;
  font-size: 0.95rem;
  letter-spacing: 0;
}

.contact-card p {
  margin: 0;
}

.page-kicker {
  margin: 0 0 8px;
  color: var(--gold-deep);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.page .wrap > h1 {
  margin-top: 0;
  font-size: clamp(1.85rem, 3vw, 2.4rem);
}

a:focus-visible,
button:focus-visible,
.btn:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

.login-overlay {
  min-height: 100svh;
  display: grid;
  place-items: center;
  padding: 24px;
  background: var(--paper);
}

.login-card {
  width: min(400px, 100%);
  background: #fffdf8;
  border: 1px solid var(--line);
  padding: 28px;
}

.login-card h1 {
  margin: 0 0 8px;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}

.hp-trap {
  position: absolute;
  left: -10000px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.dash {
  width: min(1220px, calc(100% - 32px));
  margin: 0 auto;
  padding: 24px 0 56px;
}

.dash-head {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 20px;
}

.dash-mail {
  margin: 0;
  max-width: 42ch;
  font-size: 14px;
  color: var(--ok);
}

.dash-mail.is-off {
  color: var(--warn);
}

.kpis {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin: 18px 0;
}

.kpi {
  background: #fff;
  border: 1px solid var(--line);
  padding: 14px 16px;
}

.kpi span {
  font-size: 13px;
  color: var(--muted);
}

.kpi b {
  display: block;
  margin-top: 4px;
  font-size: 1.6rem;
}

.kpi-new {
  background: #f4f8f9;
}

.dash-tools {
  display: grid;
  gap: 12px;
  margin: 0 0 16px;
}

.dash-search input {
  width: 100%;
  min-height: 44px;
  padding: 0 12px;
  border: 1px solid var(--line);
  font: inherit;
}

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

.chips button {
  min-height: 34px;
  padding: 0 10px;
  border: 1px solid var(--line);
  background: #fff;
  font: inherit;
  font-size: 14px;
  cursor: pointer;
}

.chips button.is-on {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}

.dash-grid {
  display: grid;
  grid-template-columns: minmax(280px, 0.9fr) minmax(360px, 1.2fr);
  gap: 16px;
}

.table-wrap,
.detail {
  background: #fff;
  border: 1px solid var(--line);
  padding: 12px;
}

.lead {
  display: block;
  width: 100%;
  margin-bottom: 8px;
  padding: 12px;
  border: 1px solid transparent;
  background: #fff;
  text-align: left;
  font: inherit;
  cursor: pointer;
}

.lead:hover,
.lead.is-on {
  border-color: var(--navy);
  background: #f4f8f9;
}

.lead-top,
.lead-bot {
  display: flex;
  justify-content: space-between;
  gap: 8px;
}

.lead-mid {
  display: block;
  margin: 4px 0 8px;
  color: var(--muted);
  font-size: 14px;
}

.pill,
.badge {
  display: inline-block;
  padding: 2px 7px;
  font-size: 12px;
  border: 1px solid var(--line);
}

.pill-neu {
  background: #f4f8f9;
}

.pill-genehmigt,
.mail-ok {
  background: #e7f0ea;
  color: var(--ok);
}

.pill-abgelehnt {
  background: #f6eaea;
  color: var(--bad);
}

.pill-ausgezahlt {
  background: var(--navy);
  color: #fff;
}

.mail-dot {
  font-size: 12px;
  color: var(--muted);
}

.detail {
  padding: 16px 18px;
}

.detail-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
}

.detail-head h2 {
  margin: 4px 0 0;
}

.kicker {
  margin: 0;
  font-size: 12px;
  color: var(--muted);
}

.block {
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid var(--line);
}

.pairs,
.dl {
  display: grid;
  gap: 8px;
}

.pair,
.dl {
  grid-template-columns: 140px 1fr;
}

.pair,
.dl {
  display: grid;
}

.pair dt,
.dl dt {
  color: var(--muted);
}

.pair dd {
  margin: 0;
  overflow-wrap: anywhere;
}

.mail-log {
  padding-left: 18px;
}

.mail-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 12px;
}

.dropzone {
  display: block;
  margin: 12px 0 8px;
  padding: 18px 16px;
  border: 1px dashed #c3b8aa;
  background: #fffdf8;
  color: var(--ink);
  cursor: pointer;
}

.dropzone strong {
  display: block;
  margin-bottom: 4px;
}

.dropzone span {
  color: var(--muted);
  font-size: 14px;
}

.dropzone.is-drag {
  border-color: var(--navy);
  background: #f3eee6;
}

#offer-pdf {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}

.text-link {
  display: inline;
  padding: 0;
  border: 0;
  background: none;
  color: var(--link);
  font: inherit;
  text-decoration: underline;
  cursor: pointer;
}

.docs {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.docs img {
  width: 100%;
  height: 140px;
  object-fit: cover;
  border: 1px solid var(--line);
}

.lightbox {
  position: fixed;
  inset: 0;
  z-index: 80;
  display: grid;
  place-items: center;
  padding: 24px;
  background: rgba(10, 61, 74, 0.82);
}

.lightbox img {
  max-width: min(920px, 100%);
  max-height: 82svh;
}

.lightbox button {
  position: absolute;
  top: 16px;
  right: 16px;
  min-height: 40px;
  padding: 0 14px;
  border: 0;
  background: #fff;
  font: inherit;
}

#offer-bank,
#offer-bank-custom,
#dash-edit select,
#dash-edit textarea,
#dash-edit input[type="text"] {
  width: 100%;
  min-height: 42px;
  padding: 8px 10px;
  border: 1px solid #b7c0c6;
  font: inherit;
}

@media (max-width: 820px) {
  .hero {
    min-height: 0;
  }

  .hero-box {
    min-height: 0;
    padding: 22px 0 0;
    align-items: stretch;
  }

  .hero-bg {
    position: relative;
    min-height: 220px;
  }

  .hero-copy {
    display: block;
  }

  .ads-strip-inner {
    flex-wrap: wrap;
    gap: 2px 12px;
    padding: 6px 0;
    font-size: 13px;
    overflow: visible;
  }

  .ads-strip-inner > * {
    flex: 0 1 auto;
    white-space: normal;
  }

  .ads-strip::after {
    display: none;
  }

  .calc-cta {
    margin-bottom: 0;
    width: 100%;
    max-width: none;
  }

  .calc-panel {
    padding-left: 16px;
    padding-right: 16px;
  }

  .calc-legal,
  .calc-secure {
    margin-left: -16px;
    margin-right: -16px;
    padding-left: 16px;
    padding-right: 16px;
  }

  .calc-facts {
    grid-template-columns: 1fr 1fr;
    gap: 8px 12px;
  }

  .calc-facts div:first-child {
    grid-column: 1 / -1;
  }

  .hero-line {
    font-size: 2rem;
    max-width: none;
  }

  .hero-bg img {
    object-position: 18% 45%;
  }

  .hero-box,
  .cols3,
  .dash-grid,
  .footer-grid,
  .grid-2,
  .choice-row,
  .choice-grid,
  .choice-grid-2,
  .proof-grid,
  .kpis,
  .pair,
  .dl,
  .docs,
  .metrics,
  .roles-grid {
    grid-template-columns: 1fr;
  }

  .choice-row,
  .choice-grid,
  .choice-grid-2 {
    grid-template-columns: 1fr 1fr;
  }

  .apply-quote {
    grid-template-columns: 1fr;
    padding: 6px 6px 12px;
  }

  .apply-quote div {
    padding: 12px 16px 8px;
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }

  .apply-quote div:last-of-type {
    border-bottom: 0;
  }

  .sheet {
    padding: 22px 18px 16px;
  }

  .form-block {
    padding: 16px 14px 8px;
  }

  .anrede-opt span {
    min-width: 0;
    width: 100%;
  }

  .anrede-seg {
    display: grid;
    grid-template-columns: 1fr 1fr;
  }

  body.legal-page .legal {
    padding: 26px 20px 32px;
  }

  .legal-dl,
  .company-facts,
  .faq-toc ol {
    grid-template-columns: 1fr;
  }

  .role-join {
    display: none;
  }

  .nav {
    display: none;
  }

  .easy-steps,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .proof-grid li,
  .easy-steps li {
    border-right: 0;
    border-bottom: 1px solid var(--line);
    padding-right: 0;
    padding-bottom: 14px;
    margin-bottom: 14px;
  }

  .proof-grid li:last-child,
  .easy-steps li:last-child {
    border-bottom: 0;
    margin-bottom: 0;
    padding-bottom: 0;
  }

  .nav.is-open {
    display: flex;
    flex-direction: column;
    gap: 0;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    z-index: 22;
    background: var(--paper);
    padding: 4px 0 8px;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 12px 28px rgba(15, 23, 42, 0.1);
    max-height: min(70dvh, calc(100dvh - 7rem));
    overflow: auto;
    overscroll-behavior: contain;
  }

  .nav.is-open a {
    display: flex;
    align-items: center;
    min-height: 48px;
    padding: 0 20px;
    border-bottom: 1px solid var(--line);
    color: var(--navy);
    font-size: 15px;
    font-weight: 500;
  }

  .nav.is-open a:last-child {
    border-bottom: 0;
  }

  .nav.is-open a.is-on,
  .nav.is-open a:hover {
    background: #f8fafc;
    border-bottom-color: var(--line);
  }

  .nav-toggle {
    display: inline-flex;
  }

  .header .btn {
    display: none;
  }

  .home-mail {
    display: none;
  }

  .header .site-tel {
    display: inline-flex;
    align-items: center;
    min-height: 44px;
    margin-left: auto;
    margin-right: 2px;
    padding: 0 8px;
    font-size: 14px;
  }

  .header-inner {
    gap: 8px;
  }

  body.apply {
    overflow-x: hidden;
  }

  body.apply .form-wrap {
    width: min(720px, calc(100% - 20px));
    margin-bottom: 40px;
  }

  body.apply .sheet {
    padding: 18px 14px 14px;
  }

  body.apply .form-hero {
    padding: 16px 0 8px;
  }

  body.apply .apply-lead {
    font-size: 15px;
  }

  body.apply .form-nav {
    flex-direction: column;
  }

  body.apply .form-nav .btn {
    width: 100%;
    min-height: 48px;
  }

  body.apply .field input:not([type="radio"]):not([type="checkbox"]),
  body.apply .field select,
  body.apply .field textarea {
    font-size: 16px;
  }

  body.apply .cta-actions {
    flex-direction: column;
  }

  body.apply .cta-actions .btn {
    width: 100%;
    min-height: 48px;
  }

  .cookie-bar-inner {
    flex-direction: column;
    align-items: stretch;
  }

  .topbar-inner {
    flex-direction: column;
  }

  .header-home .nav.is-open {
    top: 100%;
    background: var(--paper);
  }

  .hero-copy h1,
  .hero-line {
    font-size: 2rem;
    max-width: none;
  }
}

@keyframes pop {
  from {
    transform: scale(1.05);
  }
  to {
    transform: none;
  }
}

.trust-row {
  padding: 24px 0;
  background: var(--sheet);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.trust-grid p {
  margin: 0;
}

.trust-grid strong {
  display: block;
  font-size: 1.05rem;
}

.trust-grid span {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 14px;
}

.mini-block,
.partners,
.home-feed {
  padding: 40px 0 8px;
}

.mini-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  gap: 40px;
  align-items: start;
}

.mini-block h2,
.partners h2,
.home-feed h2 {
  margin: 0 0 12px;
  font-size: clamp(1.7rem, 3vw, 2.2rem);
}

.mini-block p,
.partners-lead {
  max-width: 64ch;
  color: var(--muted);
}

.mini-points {
  margin: 8px 0 0;
  padding: 22px 24px;
  list-style: none;
  background: var(--sheet);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.mini-points li {
  margin: 10px 0;
  padding-left: 18px;
  position: relative;
}

.mini-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

.partner-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 18px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.partner-logos li {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 68px;
  padding: 12px 16px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
}

.partner-logos img {
  display: block;
  height: 32px;
  width: auto;
  max-width: 176px;
  object-fit: contain;
}

.partner-logos li.partner-on-yellow {
  background: #ffcc00;
  border-color: #e6b800;
}

.partner-logos li.partner-tall img {
  height: 40px;
  max-width: 40px;
}

.partner-logos li.partner-wide img {
  height: 24px;
  max-width: 132px;
}

.feed-home {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.feed-more {
  margin: 18px 0 0;
}

.feed-more a {
  font-weight: 700;
  color: var(--navy);
}

.home-faq details {
  margin: 0;
  padding: 0;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--line);
  border-radius: 0;
}

.home-faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  min-height: 48px;
  padding: 8px 0;
  cursor: pointer;
  font-weight: 700;
  list-style: none;
}

.home-faq summary::-webkit-details-marker {
  display: none;
}

.home-faq .faq-q {
  flex: 1 1 auto;
}

.home-faq .faq-chevron {
  flex: 0 0 10px;
  width: 10px;
  height: 10px;
  margin-top: -4px;
  border-right: 2px solid var(--navy);
  border-bottom: 2px solid var(--navy);
  transform: rotate(45deg);
}

.home-faq details[open] .faq-chevron {
  margin-top: 4px;
  transform: rotate(-135deg);
}

.home-faq summary:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

.home-faq details p {
  margin: 0 0 14px;
  max-width: 68ch;
  color: var(--muted);
}

.pull {
  padding: 36px 0 16px;
}

.pull-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  margin: 0 auto;
  padding: 0;
  list-style: none;
}

.pull-item {
  padding: 0 20px 0 0;
}

.pull-item + .pull-item {
  padding-left: 20px;
  border-left: 1px solid var(--line);
}

.pull-item span {
  display: block;
  margin-bottom: 10px;
  color: var(--gold-deep);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.14em;
}

.pull-item h2 {
  margin: 0 0 8px;
  font-size: 1.55rem;
}

.pull-item p {
  margin: 0;
  color: var(--muted);
}

.close-cta {
  margin: 32px 0 0;
  padding: 48px 0;
  background: var(--navy);
  color: #fff;
  text-align: center;
}

.close-cta p {
  margin: 0 0 10px;
  color: #c5d0e0;
}

.close-cta h2 {
  margin: 0 0 22px;
  color: #fff;
  font-size: clamp(2rem, 4vw, 3rem);
}

.close-cta .btn {
  min-width: 220px;
  margin: 0 8px 10px;
}

.close-cta .btn-ghost {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.4);
  color: #fff;
}

.close-cta .btn-ghost:hover {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
}

.mob-cta {
  display: none;
}

@media (max-width: 820px) {
  .trust-grid,
  .mini-grid,
  .feed-home,
  .land-grid {
    grid-template-columns: 1fr;
  }

  .pull-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .calc-cta {
    width: 100%;
    max-width: none;
  }

  .mob-cta {
    position: fixed;
    left: max(16px, env(safe-area-inset-left, 0px));
    right: calc(76px + env(safe-area-inset-right, 0px));
    bottom: calc(16px + env(safe-area-inset-bottom, 0px));
    z-index: 35;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 52px;
    padding: 0 16px;
    border-radius: 999px;
    background: var(--gold);
    color: var(--navy);
    font-weight: 800;
    text-decoration: none;
    box-shadow: 0 14px 32px rgba(245, 166, 35, 0.4);
    transition: opacity 0.2s ease, transform 0.2s ease;
  }

  .mob-cta.is-away {
    opacity: 0;
    pointer-events: none;
    transform: translateY(10px);
  }

  body.home {
    padding-bottom: calc(88px + env(safe-area-inset-bottom, 0px));
  }

  body:not(.home):not(.is-app) {
    padding-bottom: calc(80px + env(safe-area-inset-bottom, 0px));
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-bg img {
    transform: none;
    animation: none;
  }
}

/* Phone polish: 390×844 / 360×740 — keep desktop rules above intact. */
@media (max-width: 820px) {
  :root {
    --header: 64px;
  }

  html {
    scroll-padding-top: calc(var(--header) + 48px);
  }

  .wrap,
  .header-inner,
  .hero-box,
  .form-wrap,
  .form-hero .wrap,
  body.legal-page .legal {
    width: auto;
    max-width: var(--max);
    margin-left: max(12px, env(safe-area-inset-left, 0px));
    margin-right: max(12px, env(safe-area-inset-right, 0px));
  }

  .ads-strip-inner {
    width: auto;
    max-width: none;
    margin-left: max(12px, env(safe-area-inset-left, 0px));
    margin-right: max(12px, env(safe-area-inset-right, 0px));
  }

  h1 {
    font-size: 1.7rem;
  }

  .hero-bg {
    position: absolute;
    inset: 0;
    width: auto;
    min-height: 0;
    opacity: 0.22;
  }

  .hero-bg::after {
    background: linear-gradient(180deg, rgba(7, 19, 38, 0.2), var(--navy-deep) 78%);
  }

  .calc-panel {
    padding-top: 18px;
  }

  .calc-panel h1,
  .calc-panel h2 {
    font-size: 1.25rem;
  }

  .range-field label {
    flex-wrap: wrap;
    gap: 4px 12px;
  }

  .partner-logos {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }

  .partner-logos li {
    min-height: 56px;
    padding: 10px 12px;
  }

  .partner-logos img {
    max-width: 100%;
    height: 28px;
  }

  .partner-logos li.partner-tall img {
    height: 40px;
    max-width: 40px;
  }

  .home-faq summary {
    display: flex;
    align-items: center;
    min-height: 44px;
  }

  .feed-item header {
    flex-wrap: wrap;
  }

  .close-cta {
    padding: 48px 0 28px;
  }

  .close-cta .btn {
    display: flex;
    width: 100%;
    min-width: 0;
    margin: 0 0 10px;
  }

  .close-cta h2 {
    font-size: 1.7rem;
  }

  .cookie-bar {
    position: relative;
    left: auto;
    right: auto;
    bottom: auto;
    z-index: 15;
    padding: 0;
  }

  .cookie-bar-inner {
    width: 100%;
    margin: 0;
    padding: 14px 16px 16px;
    border-radius: 0;
    border-left: 0;
    border-right: 0;
    box-shadow: 0 10px 24px rgba(15, 23, 42, 0.08);
  }

  .cookie-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    justify-content: stretch;
    gap: 10px;
  }

  .cookie-actions .btn {
    width: 100%;
    min-height: 44px;
  }

  .footer {
    padding-bottom: 28px;
  }

  .footer li a {
    display: inline-flex;
    align-items: center;
    min-height: 44px;
  }

  .fine {
    overflow-wrap: anywhere;
  }

  .legal,
  .legal p,
  .legal-dl dd,
  .faq-article p,
  .feed-item p {
    overflow-wrap: anywhere;
  }

  .conditions {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  .thanks-card {
    padding: 24px 18px 22px;
  }

  .form-nav {
    flex-wrap: wrap;
  }

  .form-nav .btn {
    min-height: 48px;
  }

  .sheet {
    padding: 20px 16px 14px;
  }

  .faq-article {
    padding: 18px 16px 14px;
  }

  .faq-article img {
    height: auto;
    max-height: 200px;
  }

  .page,
  .section {
    padding: 28px 0 40px;
  }

  .fact-chips a {
    min-height: 44px;
  }

  .steps-bar li {
    min-height: 48px;
    padding: 0 12px;
    font-size: 13px;
  }
}

@media (max-width: 370px) {
  .hero-box {
    padding-top: 12px;
  }

  .header-home .site-tel {
    font-size: 12px;
  }
}

@media (max-width: 480px) {
  .hero-bg {
    min-height: 0;
  }

  .calc-panel {
    padding-top: 16px;
  }

  .calc-panel h1,
  .calc-panel h2 {
    font-size: 1.2rem;
  }

  .calc-lead {
    margin-bottom: 10px;
  }

  .apr-max {
    margin-bottom: 8px;
  }

  .calc-panel .apr-max b {
    font-size: 1.35rem;
  }

  .range-field {
    margin-bottom: 10px;
  }

  .choice-grid {
    grid-template-columns: 1fr 1fr;
  }

  .form-nav {
    flex-direction: column-reverse;
    gap: 10px;
  }

  .form-nav .btn,
  .form-nav .btn-gold,
  .form-nav .btn-ghost {
    width: 100%;
    flex: 1 1 auto;
  }

  .apply-intro h1 {
    font-size: 1.55rem;
  }

  .apply-lead {
    max-width: none;
  }

  .anrede-seg {
    grid-template-columns: 1fr 1fr;
    width: 100%;
  }

  .logo {
    font-size: 0.98rem;
    gap: 8px;
  }

  .logo-mark {
    width: 28px;
    height: 28px;
  }

  .calc-facts b {
    font-size: 16px;
  }

  .mini-block,
  .partners,
  .home-feed {
    padding: 32px 0 8px;
  }
}

.nav-backdrop {
  position: fixed;
  inset: 0;
  z-index: 19;
  margin: 0;
  padding: 0;
  border: 0;
  background: rgba(7, 19, 38, 0.42);
  cursor: pointer;
}

.nav-backdrop[hidden] {
  display: none !important;
}

body.nav-open {
  overflow: hidden;
}

body.home .feed-item {
  padding: 16px 0 20px;
  border: 0;
  border-bottom: 1px solid var(--line);
  border-radius: 0;
  background: transparent;
}

body.home .feed-item header {
  font-size: 14px;
}

body.home .feed-item h3 {
  margin: 8px 0 0;
  font-size: 1.1rem;
}

body.home .stars {
  color: #b45309;
}

body.home .footer {
  padding: 32px 0 20px;
}

@media (max-width: 820px) {
  .header-home .site-tel {
    display: inline-flex;
    align-items: center;
    order: 2;
    margin-left: auto;
    margin-right: 4px;
    min-height: 44px;
    font-size: 13px;
  }

  .header-home .nav-toggle {
    order: 3;
    margin-left: 0;
  }

  .pull-item + .pull-item {
    padding-left: 0;
    border-left: 0;
    padding-top: 16px;
    border-top: 1px solid var(--line);
  }

  .footer-grid {
    gap: 8px 16px;
  }

  .footer li {
    margin: 0;
  }

  body.home .footer li a {
    min-height: 44px;
  }

  .mob-cta {
    box-shadow: 0 4px 16px rgba(11, 27, 58, 0.16);
    border-radius: 10px;
  }

  .hero-box {
    padding: 16px 0 20px;
  }

  .hero-copy {
    padding-top: 4px;
  }

  .hero-sub {
    margin-top: 10px;
  }

  .hero-copy h1,
  .hero-line {
    font-size: 1.45rem;
    max-width: none;
  }

  .calc-panel .apr-max {
    margin-bottom: 10px;
    padding: 8px 0 8px 12px;
  }

  .calc-panel .apr-max b {
    font-size: 1.25rem;
  }

  .calc-lead {
    margin-bottom: 10px;
  }
}

/* Externe Nachweis-Seite: Ausweis und Lohnabrechnung hochladen */

.upl-badge {
  margin: 0 0 0 auto;
  padding: 6px 12px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--sheet);
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  white-space: nowrap;
}

.page.upl {
  padding: var(--space-2xl) 0 var(--space-3xl);
}

.page.upl .wrap {
  max-width: 820px;
}

.upl-load {
  margin: 0;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--sheet);
  color: var(--muted);
  text-align: center;
}

.upl-dead,
.upl-intro,
.upl-drops,
.upl-send,
.upl-done,
.upl-safe {
  margin: 0 0 var(--space-lg);
  padding: var(--space-xl);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}

.upl-dead h1,
.upl-intro h1 {
  margin: 0 0 12px;
  font-size: 1.75rem;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.upl-drops h2,
.upl-done h2,
.upl-safe h2 {
  margin: 0 0 8px;
  font-size: 1.2rem;
}

.upl-kicker {
  margin: 0 0 10px;
  color: var(--ok);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.upl-facts {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin: var(--space-lg) 0 0;
  padding: 0;
  list-style: none;
}

.upl-facts li {
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--sheet);
}

.upl-facts span {
  display: block;
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.upl-facts b {
  display: block;
  margin-top: 4px;
  color: var(--navy);
  font-size: 1.05rem;
}

.upl-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin: 0 0 var(--space-lg);
  padding: 0;
  list-style: none;
  counter-reset: none;
}

.upl-steps li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--sheet);
  color: var(--muted);
  font-size: 14px;
  font-weight: 600;
  line-height: 1.3;
}

.upl-steps b {
  display: grid;
  place-items: center;
  flex: 0 0 26px;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--line);
  color: var(--navy);
  font-size: 13px;
}

.upl-steps .is-on {
  border-color: var(--navy);
  background: var(--white);
  color: var(--ink);
}

.upl-steps .is-on b {
  background: var(--gold);
  color: var(--navy-deep);
}

.upl-steps .is-done {
  border-color: #b9ddd6;
  background: #f2fbf8;
  color: var(--ink);
}

.upl-steps .is-done b {
  background: #1f6b4d;
  color: #fff;
}

.upl-pay {
  margin: 0 0 var(--space-lg);
  padding: 20px 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--sheet);
}

.upl-pay h2 {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: 1.15rem;
}

.upl-pay .field {
  margin: 16px 0 0;
}

.upl-pay input {
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.upl-pay #upl-iban-hint.is-ok {
  color: var(--ok);
}

.upl-sign {
  margin: 18px 0 0;
}

.upl-sign-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 8px;
}

.upl-sign-head label {
  font-weight: 700;
  color: var(--navy);
}

.upl-sign canvas {
  display: block;
  width: 100%;
  max-width: 640px;
  height: auto;
  border: 1px dashed #b7c4d6;
  border-radius: var(--radius);
  background: #fffdf8;
  touch-action: none;
  cursor: crosshair;
}

.upl-sign canvas.is-lock {
  pointer-events: none;
  opacity: 0.72;
}

.upl-slots {
  display: grid;
  gap: 14px;
  margin: var(--space-lg) 0 0;
}

.upl-slot {
  position: relative;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--sheet);
}

.upl-slot.is-da {
  border-color: #b9ddd6;
  background: #f2fbf8;
}

.upl-slot.is-busy {
  opacity: 0.72;
}

.upl-slot-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 4px;
}

.upl-slot-head b {
  font-size: 1rem;
}

.upl-flag {
  padding: 4px 10px;
  border-radius: 999px;
  background: #fef3e2;
  color: var(--warn);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  white-space: nowrap;
}

.upl-slot.is-da .upl-flag {
  background: #dff3ee;
  color: var(--ok);
}

.upl-slot .hint {
  margin: 0 0 12px;
  color: var(--muted);
  font-size: 13px;
}

.upl-zone {
  display: block;
  padding: 18px 16px;
  border: 1px dashed #b7c4d6;
  border-radius: var(--radius);
  background: var(--white);
  text-align: center;
  cursor: pointer;
  transition: border-color 0.18s ease, background 0.18s ease;
}

.upl-zone:hover,
.upl-zone.is-drag {
  border-color: var(--navy);
  background: #f1f5fb;
}

.upl-zone strong {
  display: block;
  color: var(--navy);
  font-size: 15px;
}

.upl-zone span {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 12px;
}

.upl-file {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

.upl-file:focus-visible + .upl-file-name {
  outline: 2px solid var(--navy);
  outline-offset: 2px;
}

.upl-file-name {
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 13px;
  word-break: break-word;
}

.upl-send {
  text-align: center;
}

.upl-progress {
  margin: 0 0 var(--space-md);
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
}

.upl-send .hint {
  margin: var(--space-md) 0 0;
  color: var(--muted);
  font-size: 13px;
}

.upl-done {
  border-color: #b9ddd6;
  background: #f2fbf8;
}

.upl-done p {
  margin: 0 0 12px;
}

.upl-safe {
  box-shadow: none;
  background: var(--sheet);
}

.upl-safe ul {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
  font-size: 14px;
}

.upl-safe li {
  margin-bottom: 6px;
}

@media (max-width: 720px) {
  .upl-badge {
    display: none;
  }

  .upl-dead,
  .upl-intro,
  .upl-drops,
  .upl-send,
  .upl-done,
  .upl-safe {
    padding: var(--space-lg) var(--space-md);
  }

  .upl-facts,
  .upl-steps {
    grid-template-columns: 1fr;
  }

  .upl-dead h1,
  .upl-intro h1 {
    font-size: 1.45rem;
  }
}