/* Finanzcenter Löwenherz – Variante A "Rechner" */
:root {
  --paper: #ffffff;
  --mist: #eef1f3;
  --ink: #1e2a32;
  --slate: #5b6b76;
  --gold: #c99829;
  --gold-hover: #b88a22;
  --gold-text: #8a6514;
  --line: #d7dde1;
  --radius: 14px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: "Schibsted Grotesk", system-ui, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.wrap { width: min(1180px, 100% - 40px); margin-inline: auto; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; z-index: 100; background: var(--paper); padding: 10px 16px; }

/* Kopfzeile */
.top { border-bottom: 1px solid var(--line); background: var(--paper); position: sticky; top: 0; z-index: 20; }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 76px; }
.top .logo img { height: 46px; width: auto; }
.nav { display: flex; align-items: center; gap: 28px; font-weight: 500; font-size: 15px; }
.nav a { text-decoration: none; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--gold-text); }
.nav a[aria-current="page"] { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 8px; }
.tel { padding: 10px 16px; border: 1.5px solid var(--ink); border-radius: 999px; text-decoration: none; font-weight: 500; font-size: 15px; white-space: nowrap; }
.tel:hover { background: var(--ink); color: #fff; }
.menu-btn { display: none; background: none; border: 1.5px solid var(--ink); border-radius: 999px; height: 42px; padding: 0 16px; font: inherit; font-weight: 500; font-size: 15px; color: var(--ink); cursor: pointer; }
.top-actions { display: flex; align-items: center; gap: 10px; }
@media (max-width: 880px) {
  .menu-btn { display: inline-flex; align-items: center; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 76px; background: var(--paper); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 20px 20px; font-size: 18px; }
  .nav.open { display: flex; }
  .nav a { padding: 14px 0; border-bottom: 1px solid var(--mist); }
  .nav a[aria-current="page"] { text-decoration: none; }
}
@media (max-width: 420px) { .tel { display: none; } }

/* Buttons */
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 0 26px; border-radius: 999px; font-weight: 700; text-decoration: none; font-size: 16px; }
.btn-gold { background: var(--gold); color: #1b1404; }
.btn-gold:hover { background: var(--gold-hover); }
.btn-line { border: 1.5px solid var(--ink); }
.btn-line:hover { background: var(--ink); color: #fff; }
.on-dark .btn-line { border-color: #fff; }
.on-dark .btn-line:hover { background: #fff; color: var(--ink); }

/* Hero Startseite */
.hero { padding: 72px 0 96px; }
.hero .wrap { display: grid; grid-template-columns: 1fr 1.05fr; gap: 64px; align-items: start; }
.hero h1 { font-size: clamp(40px, 5.4vw, 68px); line-height: 1.02; letter-spacing: -0.03em; font-weight: 800; margin: 0 0 24px; max-width: 12ch; }
.lead { font-size: 19px; color: var(--slate); max-width: 46ch; margin: 0 0 32px; }
.ticks { margin: 40px 0 0; padding: 0; list-style: none; display: grid; gap: 10px; color: var(--slate); font-size: 15px; }
.ticks li { padding-left: 22px; position: relative; }
.ticks li::before { content: ""; position: absolute; left: 0; top: .7em; width: 10px; height: 2px; background: var(--gold); }

/* Unterseiten-Kopf */
.page-head { padding: 72px 0 56px; border-bottom: 1px solid var(--line); }
.page-head h1 { font-size: clamp(38px, 5vw, 60px); line-height: 1.04; letter-spacing: -0.03em; font-weight: 800; margin: 0 0 18px; max-width: 18ch; }
.page-head .lead { margin: 0; max-width: 58ch; }
.crumbs { font-size: 14px; color: var(--slate); margin-bottom: 20px; }
.crumbs a { text-decoration: none; }
.crumbs a:hover { color: var(--gold-text); }

/* Rechner */
.calc { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; box-shadow: 0 30px 60px -30px rgba(30, 42, 50, .35); }
.calc h2 { margin: 0 0 4px; font-size: 20px; }
.calc .hint { margin: 0 0 24px; font-size: 14px; color: var(--slate); }
.field { margin-bottom: 22px; }
.field label { display: flex; justify-content: space-between; font-weight: 500; font-size: 15px; margin-bottom: 8px; }
.field output { font-weight: 700; }
input[type=range] { width: 100%; accent-color: var(--gold); height: 28px; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.row .field label { display: block; }
.num { width: 100%; height: 46px; border: 1.5px solid var(--line); border-radius: 10px; padding: 0 12px; font: inherit; color: var(--ink); }
.num:focus { border-color: var(--ink); outline: none; }
.check { display: flex; gap: 10px; align-items: center; font-size: 15px; margin: -6px 0 22px; color: var(--slate); }
.check input { width: 18px; height: 18px; accent-color: var(--gold); }
.result { border-top: 1px solid var(--line); padding-top: 22px; display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 8px 16px; }
.rate { white-space: nowrap; font-size: clamp(44px, 5vw, 60px); font-weight: 800; letter-spacing: -0.03em; line-height: 1; }
.rate small { font-size: 18px; font-weight: 500; letter-spacing: 0; color: var(--slate); }
.result dl { margin: 0; display: grid; grid-template-columns: auto auto; gap: 2px 14px; font-size: 14px; color: var(--slate); text-align: right; }
.result dd { margin: 0; color: var(--ink); font-weight: 500; }
.calc .legal { font-size: 12.5px; color: var(--slate); margin: 18px 0 0; }

/* Abschnitte */
.section { padding: 96px 0; }
.section.tint { background: var(--mist); }
.sec-title { font-size: clamp(30px, 3.4vw, 44px); line-height: 1.1; letter-spacing: -0.02em; margin: 0 0 16px; font-weight: 800; max-width: 22ch; }
.sec-lead { color: var(--slate); max-width: 60ch; margin: 0 0 48px; font-size: 18px; }

.cards { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.card { background: var(--paper); border-radius: var(--radius); padding: 40px; border-top: 4px solid var(--gold); display: flex; flex-direction: column; }
.card h3 { font-size: 26px; margin: 0 0 12px; letter-spacing: -0.01em; }
.card p { margin: 0 0 12px; color: var(--slate); max-width: 52ch; }
.card .more { margin-top: auto; padding-top: 16px; font-weight: 700; color: var(--gold-text); text-decoration: none; }
.card .more:hover { text-decoration: underline; }
.chips { margin: 8px 0 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.chips li { font-size: 14px; padding: 6px 12px; border-radius: 999px; background: var(--mist); }

.values { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); }
.values > div { padding: 28px 28px 0 0; }
.values > div + div { padding-left: 28px; border-left: 1px solid var(--line); }
.values h3 { font-size: 19px; margin: 0 0 8px; }
.values p { margin: 0; color: var(--slate); font-size: 15.5px; }

/* Zwei Spalten: Text + Inhalt */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.prose { max-width: 62ch; }
.prose h2 { font-size: 26px; line-height: 1.2; letter-spacing: -0.01em; margin: 48px 0 12px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 19px; margin: 32px 0 8px; }
.prose p, .prose li { color: #3b4851; }
.prose ul { padding-left: 20px; }
.prose li { margin-bottom: 6px; }
.prose a { color: var(--gold-text); }

/* Ablauf (echte Reihenfolge) */
.steps { list-style: none; margin: 0; padding: 0; counter-reset: s; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.steps li { counter-increment: s; border-top: 2px solid var(--ink); padding-top: 18px; }
.steps li::before { content: counter(s); display: block; font-size: 15px; font-weight: 700; color: var(--gold-text); margin-bottom: 8px; }
.steps h3 { margin: 0 0 6px; font-size: 19px; }
.steps p { margin: 0; color: var(--slate); font-size: 15.5px; }

/* Checkliste */
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checklist li { background: var(--paper); border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px 16px 48px; position: relative; }
.checklist li::before { content: ""; position: absolute; left: 18px; top: 20px; width: 14px; height: 8px; border-left: 2.5px solid var(--gold); border-bottom: 2.5px solid var(--gold); transform: rotate(-45deg); }
.checklist strong { display: block; }
.checklist span { color: var(--slate); font-size: 15px; }

/* Person */
.person { background: var(--ink); color: #fff; }
.person .wrap { display: grid; grid-template-columns: 380px 1fr; gap: 64px; align-items: center; }
.person img { width: 100%; border-radius: var(--radius); aspect-ratio: 4/5; object-fit: cover; object-position: center 20%; }
.person blockquote { margin: 0 0 28px; font-size: clamp(21px, 2.2vw, 27px); line-height: 1.45; font-weight: 500; max-width: 38ch; }
.person .name { font-weight: 700; font-size: 18px; }
.person .role { color: #aeb9c1; margin-bottom: 24px; }

/* Kontakt-Block */
.contact .wrap { display: grid; grid-template-columns: 1.2fr 1fr; gap: 64px; }
.facts { margin: 0; display: grid; gap: 22px; }
.facts dt { font-size: 14px; color: var(--slate); }
.facts dd { margin: 0; font-size: 22px; font-weight: 700; }
.facts dd a { text-decoration: none; }
.facts dd a:hover { color: var(--gold-text); }
.facts dd small { display: block; font-size: 15px; font-weight: 400; color: var(--slate); }

.note { background: #fff6e0; border: 1px solid #ecd391; border-radius: 10px; padding: 14px 18px; font-size: 15px; }

/* Fußzeile */
footer { border-top: 1px solid var(--line); padding: 48px 0; font-size: 14px; color: var(--slate); }
footer .wrap { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
footer img { height: 40px; width: auto; margin-bottom: 14px; }
footer h2 { font-size: 14px; color: var(--ink); margin: 0 0 10px; }
footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
footer a { text-decoration: none; }
footer a:hover { color: var(--gold-text); }
footer .legal-line { grid-column: 1 / -1; border-top: 1px solid var(--line); padding-top: 20px; }

@media (max-width: 960px) {
  .hero .wrap, .person .wrap, .contact .wrap, .cards, .split { grid-template-columns: 1fr; gap: 40px; }
  .hero { padding-top: 48px; }
  .values, .steps { grid-template-columns: 1fr 1fr; }
  .values > div:nth-child(3) { border-left: 0; padding-left: 0; }
  .person img { max-width: 340px; }
  footer .wrap { grid-template-columns: 1fr 1fr; }
  footer .brand { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .section { padding: 64px 0; }
  .page-head { padding: 48px 0 40px; }
  .calc, .card { padding: 24px; }
  .row { grid-template-columns: 1fr; gap: 0; }
  .values, .steps { grid-template-columns: 1fr; }
  .values > div, .values > div + div { padding: 22px 0; border-left: 0; border-bottom: 1px solid var(--line); }
  .result { grid-template-columns: 1fr; }
  .result dl { text-align: left; }
  .facts dd { font-size: 19px; }
}

/* Zweispaltige Werte (Über uns) */
.values.two { grid-template-columns: 1fr 1fr; row-gap: 28px; }
.values.two > div:nth-child(3) { border-left: 0; padding-left: 0; }
@media (max-width: 560px) { .values.two { grid-template-columns: 1fr; row-gap: 0; } }
.page-head .actions { margin-top: 28px; }
.legal-hint { font-size: 14px; color: var(--slate); background: var(--mist); border-radius: 10px; padding: 12px 14px; margin: 16px 0 20px; }