:root {
  --navy: #0d1b2a;
  --deep: #1a2c42;
  --mid: #1e3a5f;
  --accent: #c8a951;
  --gold: #e8c96a;
  --light: #f4f0e8;
  --white: #ffffff;
  --muted: #8a9ab0;
  --text: #2d3f55;
  --success: #3dbb8a;
}

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

html { scroll-behavior: smooth; overflow-x: clip; }

body {
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  background: var(--navy);
  color: var(--white);
}

/* ─── ALTE NAV (nur direktes <nav> als Body-Kind; NICHT die inneren
   nav-Elemente der neuen .site-nav!) ─── */
body > nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.2rem 4rem;
  background: rgba(13,27,42,0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(200,169,81,0.15);
  transition: padding 0.3s;
}
body > nav.scrolled { padding: 0.8rem 4rem; }
/* Sicherheit: innere nav-Elemente der neuen Leiste bleiben im Fluss */
.site-nav nav { position: static; }

.logo {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem; font-weight: 700;
  color: var(--white);
  letter-spacing: -0.5px;
  text-decoration: none;
}
.logo span { color: var(--accent); }
.nav-links { display: flex; gap: 2.5rem; list-style: none; }
.nav-links a {
  color: var(--muted); text-decoration: none;
  font-size: 0.875rem; font-weight: 500;
  letter-spacing: 0.5px; text-transform: uppercase;
  transition: color 0.2s;
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--accent);
  transform: scaleX(0); transition: transform 0.2s;
  transform-origin: left;
}
.nav-links a:hover { color: var(--accent); }
.nav-links a.active { color: var(--accent); }
.nav-links a.active::after { transform: scaleX(1); }

.nav-cta {
  background: var(--accent); color: var(--navy);
  padding: 0.65rem 1.5rem; border-radius: 4px;
  font-weight: 600; font-size: 0.875rem;
  text-decoration: none; transition: background 0.2s;
  letter-spacing: 0.3px; white-space: nowrap;
}
.nav-cta:hover { background: var(--gold); }

/* ─── HAMBURGER ─── */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 0.5rem;
  z-index: 200;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s ease;
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ─── HERO ─── */
#hero {
  min-height: 100vh;
  display: flex; align-items: center;
  position: relative; overflow: hidden;
  padding: 8rem 4rem 4rem;
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(30,58,95,0.8) 0%, transparent 70%),
              radial-gradient(ellipse 40% 40% at 20% 80%, rgba(200,169,81,0.08) 0%, transparent 60%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: 0.04;
  background-image: linear-gradient(rgba(255,255,255,0.3) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.3) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-content { position: relative; max-width: 680px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(200,169,81,0.12); border: 1px solid rgba(200,169,81,0.3);
  color: var(--accent); padding: 0.4rem 1rem; border-radius: 100px;
  font-size: 0.8rem; font-weight: 600; letter-spacing: 1px; text-transform: uppercase;
  margin-bottom: 2rem;
  animation: fadeUp 0.8s ease both;
}
.hero-badge::before { content: '●'; font-size: 0.5rem; }
h1 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: clamp(2.8rem, 5vw, 4.5rem);
  line-height: 1.1; font-weight: 900;
  margin-bottom: 1.5rem;
  animation: fadeUp 0.8s 0.1s ease both;
}
h1 em { color: var(--accent); font-style: normal; }
.hero-sub {
  font-size: 1.15rem; color: rgba(255,255,255,0.7);
  line-height: 1.7; margin-bottom: 3rem;
  font-weight: 300;
  animation: fadeUp 0.8s 0.2s ease both;
}
.hero-actions {
  display: flex; gap: 1rem; flex-wrap: wrap;
  animation: fadeUp 0.8s 0.3s ease both;
}
.btn-primary {
  background: var(--accent); color: var(--navy);
  padding: 1rem 2.2rem; border-radius: 5px;
  font-weight: 700; font-size: 0.95rem;
  text-decoration: none; border: none; cursor: pointer;
  transition: all 0.2s; display: inline-block;
}
.btn-primary:hover { background: var(--gold); transform: translateY(-2px); }
.btn-outline {
  background: transparent; color: var(--white);
  padding: 1rem 2.2rem; border-radius: 5px;
  font-weight: 500; font-size: 0.95rem;
  text-decoration: none; border: 1px solid rgba(255,255,255,0.25);
  cursor: pointer; transition: all 0.2s; display: inline-block;
}
.btn-outline:hover { border-color: var(--accent); color: var(--accent); }

.hero-stats {
  position: absolute; right: 4rem; top: 50%; transform: translateY(-92%);
  display: flex; flex-direction: column; gap: 1.5rem;
  animation: fadeUp 0.8s 0.4s ease both;
}
.stat-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px; padding: 1.5rem 2rem;
  min-width: 200px;
  backdrop-filter: blur(10px);
}
.stat-card .num {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 2.5rem; font-weight: 700;
  color: var(--accent); line-height: 1;
}
.stat-card .label {
  font-size: 0.82rem; color: var(--muted);
  margin-top: 0.3rem; line-height: 1.4;
}

/* ─── SECTION BASE ─── */
section { padding: 6rem 4rem; }
.section-label {
  font-size: 0.75rem; font-weight: 600;
  letter-spacing: 2px; text-transform: uppercase;
  color: var(--accent); margin-bottom: 1rem;
}
h2 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 700; line-height: 1.15;
  margin-bottom: 1.5rem;
}
.section-intro {
  font-size: 1.05rem; color: rgba(255,255,255,0.65);
  line-height: 1.75; max-width: 600px;
  font-weight: 300;
}

/* ─── HERO PILLARS ─── */
.hero-pillars {
  display: flex; align-items: center; gap: 1rem;
  margin-top: 2.5rem;
  animation: fadeUp 0.8s 0.4s ease both;
}
.pillar-card {
  flex: 1; padding: 1.1rem 1.4rem;
  border-radius: 12px;
  display: flex; flex-direction: column; gap: 0.3rem;
}
.pillar-card.pillar-left {
  background: rgba(200,169,81,0.08);
  border: 1px solid rgba(200,169,81,0.25);
}
.pillar-card.pillar-right {
  background: rgba(61,187,138,0.07);
  border: 1px solid rgba(61,187,138,0.2);
}
.pillar-icon { font-size: 1.4rem; }
.pillar-label { font-size: 0.85rem; font-weight: 700; }
.pillar-items { font-size: 0.75rem; color: var(--muted); }
.pillar-divider {
  font-size: 1.8rem; font-weight: 700;
  color: var(--accent); flex-shrink: 0;
}

/* ─── PILLAR SECTIONS ─── */
.pillar-section { padding: 6rem 4rem; }
.pillar-section-betrieb { background: var(--deep); }
.pillar-section-mitarbeiter { background: var(--navy); }

.pillar-section-header {
  display: flex; align-items: flex-start; flex-direction: column;
  margin-bottom: 3.5rem;
}
.pillar-section-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.35rem 1rem; border-radius: 100px;
  font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.5px; text-transform: uppercase;
  margin-bottom: 1rem;
}
.betrieb-badge {
  background: rgba(200,169,81,0.1);
  border: 1px solid rgba(200,169,81,0.3);
  color: var(--accent);
}
.mitarbeiter-badge {
  background: rgba(61,187,138,0.1);
  border: 1px solid rgba(61,187,138,0.3);
  color: var(--success);
}

/* Betrieb: 3 cards */
.leistungen-grid-betrieb {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5px;
  background: rgba(200,169,81,0.08);
  border-radius: 16px; overflow: hidden;
  border: 1px solid rgba(200,169,81,0.1);
}
.leistungen-grid-betrieb .leistung-card::before { background: var(--accent); }

/* Mitarbeiter: 2×2 große Karten + 1 breite Schlusskarte */
.leistungen-grid-mitarbeiter {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  background: transparent;
  border: none;
  border-radius: 0;
  overflow: visible;
}
.leistungen-grid-mitarbeiter .leistung-card {
  background: linear-gradient(155deg, rgba(255,255,255,0.04) 0%, rgba(13,27,42,0.4) 100%);
  border: 1px solid rgba(61,187,138,0.12);
  border-radius: 18px;
  padding: 2rem 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  transition: all 0.3s ease;
}
.leistungen-grid-mitarbeiter .leistung-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--success), rgba(61,187,138,0.3));
  opacity: 0.7;
  transition: opacity 0.3s;
}
.leistungen-grid-mitarbeiter .leistung-card:hover {
  border-color: rgba(61,187,138,0.35);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.25);
}
.leistungen-grid-mitarbeiter .leistung-card:hover::before { opacity: 1; }

.leistungen-grid-mitarbeiter .leistung-icon {
  font-size: 2.6rem;
  width: 72px; height: 72px;
  display: flex; align-items: center; justify-content: center;
  background: radial-gradient(circle, rgba(61,187,138,0.18), rgba(61,187,138,0.04));
  border: 1px solid rgba(61,187,138,0.2);
  border-radius: 18px;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}
.leistungen-grid-mitarbeiter .leistung-card h3 {
  font-size: 1.4rem;
  line-height: 1.25;
  margin-bottom: 0.85rem;
}
.leistungen-grid-mitarbeiter .leistung-card p {
  font-size: 0.92rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}
.leistungen-grid-mitarbeiter .leistung-card ul {
  margin-top: auto;
  font-size: 0.85rem;
  line-height: 1.85;
}

/* Wide-Karte mit anderem Akzent */
.leistung-card-wide {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, rgba(200,169,81,0.08), rgba(13,27,42,0.5)) !important;
  border-color: rgba(200,169,81,0.2) !important;
}
.leistung-card-wide::before {
  background: linear-gradient(90deg, var(--accent), rgba(200,169,81,0.3)) !important;
}
.leistung-card-wide .leistung-icon {
  background: radial-gradient(circle, rgba(200,169,81,0.18), rgba(200,169,81,0.04)) !important;
  border-color: rgba(200,169,81,0.25) !important;
}

@media (max-width: 1024px) {
  .leistungen-grid-mitarbeiter { grid-template-columns: 1fr; }
}
.leistung-card-ma::before { background: var(--success) !important; }
.leistung-card-ma:hover { background: rgba(61,187,138,0.05) !important; }
.leistung-card-wide ul { columns: 2; column-gap: 2rem; }
@media (max-width: 640px) { .leistung-card-wide ul { columns: 1; } }

.leistung-rechner-link {
  display: inline-block; margin-top: 1rem;
  font-size: 0.8rem; font-weight: 600;
  color: var(--accent); text-decoration: none;
  border-bottom: 1px solid rgba(200,169,81,0.3);
  padding-bottom: 1px; transition: color 0.2s;
}
.leistung-rechner-link:hover { color: var(--gold); }

/* ─── LEISTUNGEN (shared base) ─── */
#leistungen { background: var(--deep); }
.leistungen-header { margin-bottom: 4rem; }
.leistungen-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5px;
  background: rgba(255,255,255,0.06);
  border-radius: 16px; overflow: hidden;
}
.leistung-card {
  background: var(--deep);
  padding: 2.5rem;
  transition: background 0.3s;
  position: relative; overflow: hidden;
}
.leistung-card::before {
  content: ''; position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: var(--accent); opacity: 0;
  transition: opacity 0.3s;
}
.leistung-card:hover { background: var(--mid); }
.leistung-card:hover::before { opacity: 1; }
.leistung-icon {
  font-size: 2rem; margin-bottom: 1.2rem;
  display: block;
}
.leistung-card h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.3rem; margin-bottom: 0.8rem;
}
.leistung-card p {
  font-size: 0.9rem; color: rgba(255,255,255,0.6);
  line-height: 1.7;
}
.leistung-card ul {
  margin-top: 1rem; padding-left: 1rem;
  font-size: 0.85rem; color: rgba(255,255,255,0.55);
  line-height: 2;
}

/* ─── BETRIEBLICHE VORSORGE ─── */
#vorsorge { background: var(--navy); }
.vorsorge-split {
  display: grid; grid-template-columns: 1fr 1fr; gap: 5rem;
  align-items: center;
}
.vorsorge-list { list-style: none; margin-top: 2rem; }
.vorsorge-list li {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.2rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.vorsorge-list li:last-child { border-bottom: none; }
.vorsorge-icon {
  flex-shrink: 0;
  width: 44px; height: 44px;
  background: rgba(200,169,81,0.1);
  border: 1px solid rgba(200,169,81,0.25);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.vorsorge-text h4 { font-size: 1rem; margin-bottom: 0.3rem; }
.vorsorge-text p { font-size: 0.875rem; color: rgba(255,255,255,0.55); line-height: 1.6; }

.vorsorge-visual {
  background: linear-gradient(135deg, var(--mid) 0%, var(--deep) 100%);
  border-radius: 20px; padding: 2.5rem;
  border: 1px solid rgba(200,169,81,0.15);
  position: relative; overflow: hidden;
}
.vorsorge-visual::after {
  content: '';
  position: absolute; bottom: -40px; right: -40px;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(200,169,81,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.vorsorge-visual h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.35rem; margin-bottom: 0.3rem;
}
.vorsorge-visual .sub { color: var(--muted); font-size: 0.82rem; margin-bottom: 1.5rem; }
.benefit-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.75rem 0; border-bottom: 1px solid rgba(255,255,255,0.07);
}
.benefit-row:last-child { border-bottom: none; }
.benefit-row .name { font-size: 0.875rem; color: rgba(255,255,255,0.8); }
.benefit-row .badge-green {
  background: rgba(61,187,138,0.12);
  color: var(--success);
  border: 1px solid rgba(61,187,138,0.25);
  padding: 0.2rem 0.7rem; border-radius: 100px;
  font-size: 0.75rem; font-weight: 600; white-space: nowrap;
}
.benefit-row .badge-gold {
  background: rgba(200,169,81,0.12);
  color: var(--accent);
  border: 1px solid rgba(200,169,81,0.25);
  padding: 0.2rem 0.7rem; border-radius: 100px;
  font-size: 0.75rem; font-weight: 600; white-space: nowrap;
}

/* ─── bAV: Branche-Auswahl ─── */
.bav-branche-row {
  display: flex; align-items: center; gap: 0.6rem;
  margin-bottom: 0.75rem; padding-bottom: 0.75rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.bav-branche-label { font-size: 0.78rem; color: var(--muted); flex-shrink: 0; }
.bav-branche-select {
  flex: 1; background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12); color: var(--white);
  padding: 0.4rem 0.7rem; border-radius: 6px;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif; font-size: 0.82rem; outline: none;
}
.bav-branche-select option { background: var(--deep); }
.bav-branche-select:focus { border-color: var(--accent); }

/* ─── bAV: Mehrwert-Sektion + Hebel ─── */
.bav-group-section.mehrwert {
  background: rgba(61,187,138,0.04);
}
.bav-group-section.mehrwert .bav-group-row .pos { color: var(--success); font-weight: 600; }
.bav-hebel-info-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.4rem 0; margin-top: 0.25rem;
  border-top: 1px dashed rgba(232,201,106,0.2);
  font-size: 0.8rem;
}
.bav-hebel-label { color: rgba(255,255,255,0.7); font-weight: 600; }
.bav-info-icon {
  display: inline-block; cursor: help;
  color: var(--accent); font-size: 0.85rem;
  margin-left: 0.2rem; vertical-align: middle;
}
.bav-hebel-info-row .gold {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.1rem; font-weight: 700;
  color: var(--gold);
}
.bav-hebel-text {
  font-size: 0.7rem; color: rgba(232,201,106,0.65);
  line-height: 1.4; margin-top: 0.25rem; font-style: italic;
}

/* ─── bAV RECHNER – Unified 3-Gruppen ─── */
.bav-unified-outer {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 3rem;
  align-items: start;
}
.bav-unified-right { display: flex; flex-direction: column; gap: 1.25rem; }

/* Shared Input Panel */
.bav-shared-panel {
  background: linear-gradient(135deg, var(--mid) 0%, var(--deep) 100%);
  border: 1px solid rgba(200,169,81,0.15);
  border-radius: 16px; padding: 1.5rem;
}
.bav-shared-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 0.75rem 1.5rem;
}

/* 3-Gruppen Grid */
.bav-group-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.bav-group-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px; overflow: hidden;
  transition: border-color 0.3s;
}
.bav-group-card:hover { border-color: rgba(200,169,81,0.2); }

.bav-group-header {
  padding: 0.75rem 1rem 0.6rem;
  border-bottom: 2px solid transparent;
}
.bav-group-header.g1 { border-color: rgba(61,187,138,0.5); background: rgba(61,187,138,0.05); }
.bav-group-header.g2 { border-color: rgba(200,169,81,0.5); background: rgba(200,169,81,0.05); }
.bav-group-header.g3 { border-color: rgba(232,201,106,0.5); background: rgba(232,201,106,0.05); }
.bav-group-header.g4 { border-color: rgba(120,170,255,0.5); background: rgba(120,170,255,0.06); }
.bav-group-header.g5 { border-color: rgba(180,140,255,0.5); background: rgba(180,140,255,0.06); }
.bav-group-header.g6 { border-color: rgba(255,150,190,0.5); background: rgba(255,150,190,0.06); }
/* Abzugs-Detailzeilen in der Vergleichsrechnung */
.bav-group-row.bav-vgl-detail { font-size: 0.72rem; opacity: 0.78; padding-left: 0.5rem; }
.bav-group-row.bav-vgl-detail span:last-child { color: #ff9a9a; }

.bav-group-title {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1rem; font-weight: 700;
}
.bav-group-sub {
  font-size: 0.68rem; color: var(--muted);
  margin-top: 0.1rem; line-height: 1.3;
}

.bav-group-inputs {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  background: rgba(0,0,0,0.15);
}
.bav-group-inputs .bav-input-row { margin-bottom: 0.5rem; }
.bav-group-inputs .bav-input-row:last-child { margin-bottom: 0; }
.bav-group-inputs .bav-input-label { width: 90px; font-size: 0.7rem; }

.bav-group-section { padding: 0.65rem 1rem; border-bottom: 1px solid rgba(255,255,255,0.05); }
.bav-group-section:last-child { border-bottom: none; }
.bav-group-section.ag { background: rgba(200,169,81,0.03); }
.bav-group-section.an { background: rgba(61,187,138,0.03); }
.bav-group-section.pool { background: rgba(0,0,0,0.1); }
.bav-group-section.vgl  { background: rgba(232,201,106,0.04); }
.bav-group-section.vgl .bav-group-row.hl span:last-child {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1rem;
}

.bav-group-section-title {
  font-size: 0.65rem; font-weight: 700;
  letter-spacing: 1px; text-transform: uppercase;
  color: var(--muted); margin-bottom: 0.4rem;
}
.bav-group-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.2rem 0; font-size: 0.78rem;
}
.bav-group-row span:first-child { color: rgba(255,255,255,0.55); }
.bav-group-row .pos  { color: var(--success); font-weight: 600; }
.bav-group-row .acc  { color: var(--accent); font-weight: 600; }
.bav-group-row.hl {
  background: rgba(255,255,255,0.03); border-radius: 4px;
  padding: 0.3rem 0.4rem; margin: 0.2rem -0.4rem;
}
.bav-group-row.hl span:last-child { font-weight: 700; }
.bav-group-info {
  font-size: 0.68rem; color: var(--success);
  margin-top: 0.2rem; min-height: 1rem;
}

/* Gesamtzeile */
.bav-sum-bar {
  display: flex; flex-wrap: wrap; gap: 0.5rem;
  background: linear-gradient(135deg, rgba(30,58,95,0.6), rgba(13,27,42,0.8));
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 12px; padding: 1rem 1.25rem;
}
.bav-sum-item {
  flex: 1; min-width: 100px;
  display: flex; flex-direction: column; gap: 0.2rem;
  padding: 0.4rem 0.75rem;
  border-right: 1px solid rgba(255,255,255,0.07);
}
.bav-sum-item:last-child { border-right: none; }
.bav-sum-label { font-size: 0.67rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; }
.bav-sum-val { font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1.1rem; font-weight: 700; color: var(--white); }
.bav-sum-val.acc  { color: var(--accent); }
.bav-sum-val.gold { color: var(--gold); }

@media (max-width: 1200px) { .bav-unified-outer { grid-template-columns: 320px 1fr; gap: 2rem; } }
@media (max-width: 1024px) {
  .bav-unified-outer { grid-template-columns: 1fr; }
  .bav-group-grid { grid-template-columns: 1fr; }
  .bav-shared-grid { grid-template-columns: 1fr; }
}

/* ─── bAV RECHNER (neu, Dual-View) ─── */
.bav-calc-outer { padding: 0; }

.bav-section-head {
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--accent); margin: 1rem 0 0.6rem;
  padding-top: 0.75rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.bav-section-head:first-child { margin-top: 0; padding-top: 0; border-top: none; }

.bav-ag-pct-marks {
  display: flex; justify-content: space-between;
  font-size: 0.65rem; color: var(--muted);
  /* rechts ist Platz für Zahlenfeld (~64px) + Einheit (~24px); links bündig mit Slider-Start */
  padding: 0.15rem 88px 0.5rem 0;
}
.bav-ag-pct-marks span { cursor: pointer; transition: color 0.2s; }
.bav-ag-pct-marks span:hover { color: var(--accent); }

.bav-lnk-toggle {
  width: 100%; background: none;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 6px; color: var(--muted);
  font-size: 0.75rem; padding: 0.5rem 0.75rem;
  cursor: pointer; text-align: left;
  transition: all 0.2s; margin: 0.75rem 0 0;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.bav-lnk-toggle:hover { border-color: rgba(200,169,81,0.3); color: var(--accent); }

.bav-lnk-detail {
  display: none; padding-top: 0.75rem;
}
.bav-lnk-detail.open { display: block; }

/* Tab-Navigation */
.bav-tabs-nav {
  display: flex; gap: 0.4rem;
  margin: 1.25rem 0 0; padding: 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  padding-bottom: 0;
}
.bav-tab {
  padding: 0.55rem 1.1rem;
  background: none; border: none;
  border-bottom: 2px solid transparent;
  color: var(--muted); font-size: 0.82rem; font-weight: 600;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  margin-bottom: -1px;
}
.bav-tab:hover { color: var(--white); }
.bav-tab.active { color: var(--accent); border-bottom-color: var(--accent); }

/* Panels */
.bav-panel { padding-top: 1.25rem; }

.bav-res-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
}
.bav-res-card.full { grid-column: 1 / -1; }

.bav-info-row {
  display: flex; align-items: center; gap: 0.5rem; flex-wrap: wrap;
  margin-top: 0.75rem; padding: 0.6rem 0.8rem;
  background: rgba(61,187,138,0.07);
  border: 1px solid rgba(61,187,138,0.2);
  border-radius: 8px; font-size: 0.8rem;
  color: rgba(255,255,255,0.65);
}
.bav-info-row strong { color: var(--success); }

/* Gesamtbild Vergleich */
.bav-compare-box {
  margin-top: 1rem;
  background: rgba(0,0,0,0.2);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px; overflow: hidden;
}
.bav-compare-title {
  font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--muted); padding: 0.75rem 1rem 0.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.bav-compare-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.55rem 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.82rem;
}
.bav-compare-row:last-child { border-bottom: none; }
.bav-compare-row span { color: rgba(255,255,255,0.55); }
.bav-compare-row strong { font-weight: 600; color: var(--white); }
.bav-compare-row.highlight { background: rgba(200,169,81,0.06); }
.bav-compare-row.highlight span { color: rgba(255,255,255,0.7); }
.bav-compare-row.highlight strong { color: var(--success); }

/* ─── bAV RECHNER (alt, Basis) ─── */
.bav-rechner { position: relative; z-index: 1; }
.bav-inputs { margin-bottom: 1.5rem; }
.bav-input-row {
  display: flex; align-items: center; gap: 0.6rem;
  margin-bottom: 0.9rem;
}
.bav-input-label {
  font-size: 0.75rem; color: var(--muted);
  text-transform: uppercase; letter-spacing: 0.5px;
  flex: 0 0 auto; width: 180px; line-height: 1.3;
}
.bav-input-row input[type="range"] {
  flex: 1; -webkit-appearance: none;
  height: 3px; background: rgba(255,255,255,0.1);
  border-radius: 2px; outline: none; cursor: pointer; min-width: 0;
}
.bav-input-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 14px; height: 14px;
  background: var(--accent); border-radius: 50%; cursor: pointer;
}
.bav-num {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--white); padding: 0.3rem 0.5rem;
  border-radius: 5px; width: 70px; text-align: right;
  font-size: 0.85rem; font-weight: 600;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif; flex-shrink: 0;
}
.bav-num:focus { outline: none; border-color: var(--accent); }
.bav-unit {
  font-size: 0.75rem; color: var(--muted); flex-shrink: 0; width: 22px;
}
.bav-toggle-row { display: flex; gap: 0.4rem; margin-bottom: 1.2rem; }
.bav-toggle {
  flex: 1; padding: 0.4rem 0.6rem; border-radius: 5px;
  border: 1px solid rgba(255,255,255,0.12);
  background: transparent; color: var(--muted);
  font-size: 0.75rem; font-weight: 600; cursor: pointer;
  transition: all 0.2s; text-transform: uppercase; letter-spacing: 0.3px;
}
.bav-toggle.active {
  background: rgba(200,169,81,0.12); border-color: var(--accent); color: var(--accent);
}
.bav-divider {
  border: none; border-top: 1px solid rgba(255,255,255,0.08);
  margin: 1.2rem 0;
}
.bav-results-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 0.75rem; margin-bottom: 1rem;
}
.bav-res-card {
  background: rgba(0,0,0,0.2); border-radius: 10px;
  padding: 1rem; border: 1px solid rgba(255,255,255,0.06);
}
.bav-res-card.full { grid-column: 1 / -1; }
.bav-res-card.gold { border-color: rgba(200,169,81,0.25); background: rgba(200,169,81,0.06); }
.bav-res-card.green { border-color: rgba(61,187,138,0.2); background: rgba(61,187,138,0.04); }
.bav-res-label { font-size: 0.7rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.3rem; }
.bav-res-val { font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1.5rem; font-weight: 700; color: var(--accent); }
.bav-res-card.green .bav-res-val { color: var(--success); }
.bav-res-sub { font-size: 0.72rem; color: rgba(255,255,255,0.4); margin-top: 0.2rem; }

/* ─── ROI RECHNER ─── */
#roi { background: var(--deep); }
.roi-wrapper {
  background: linear-gradient(135deg, rgba(30,58,95,0.6) 0%, rgba(13,27,42,0.8) 100%);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 24px; overflow: hidden;
  display: flex; flex-direction: column;
}
.roi-inputs {
  padding: 3rem 3.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 0 2.5rem;
  align-items: start;
}
.roi-inputs h3 { grid-column: 1 / -1; }
.roi-inputs .sub { grid-column: 1 / -1; }
.roi-inputs > .input-group { break-inside: avoid; }
.roi-inputs > div[style*="height:1px"] { grid-column: 1 / -1; }
.roi-inputs > .roi-fk-section { grid-column: 1 / -1; }
.roi-inputs > .roi-param-section { grid-column: 1 / -1; }
.roi-results { padding: 3rem 3.5rem; background: rgba(0,0,0,0.12); }
.roi-inputs h3, .roi-results h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.6rem; margin-bottom: 0.5rem;
}
.roi-inputs .sub, .roi-results .sub {
  color: var(--muted); font-size: 0.85rem; margin-bottom: 2.5rem;
}

.input-group { margin-bottom: 1.8rem; }
.input-group label {
  display: block; font-size: 0.8rem; font-weight: 600;
  letter-spacing: 0.5px; text-transform: uppercase;
  color: var(--muted); margin-bottom: 0.6rem;
}
.input-row { display: flex; align-items: center; gap: 0.75rem; }
.input-row input[type="range"] {
  flex: 1; -webkit-appearance: none;
  height: 4px; background: rgba(255,255,255,0.1);
  border-radius: 2px; outline: none; cursor: pointer;
}
.input-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px;
  background: var(--accent); border-radius: 50%;
  cursor: pointer; box-shadow: 0 0 0 3px rgba(200,169,81,0.2);
}
.input-num {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  color: var(--white); padding: 0.5rem 0.75rem;
  border-radius: 6px; width: 90px; text-align: right;
  font-size: 0.95rem; font-weight: 600;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.input-num:focus { outline: none; border-color: var(--accent); }

.toggle-group { display: flex; gap: 0.5rem; margin-bottom: 1.8rem; }
.toggle-btn {
  flex: 1; padding: 0.6rem; border-radius: 6px;
  border: 1px solid rgba(255,255,255,0.12);
  background: transparent; color: var(--muted);
  font-size: 0.8rem; font-weight: 600; cursor: pointer;
  transition: all 0.2s; text-transform: uppercase; letter-spacing: 0.5px;
}
.toggle-btn.active {
  background: rgba(200,169,81,0.12);
  border-color: var(--accent); color: var(--accent);
}

.result-card {
  background: rgba(255,255,255,0.04);
  border-radius: 12px; padding: 1.5rem;
  margin-bottom: 1rem;
  border: 1px solid rgba(255,255,255,0.07);
}
.result-card .result-label {
  font-size: 0.75rem; color: var(--muted);
  text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 0.5rem;
}
.result-card .result-value {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 2.2rem; font-weight: 700;
  color: var(--accent);
}
.result-card .result-sub { font-size: 0.8rem; color: rgba(255,255,255,0.45); margin-top: 0.2rem; }
.result-card.highlight {
  background: rgba(200,169,81,0.08);
  border-color: rgba(200,169,81,0.25);
}
.result-card.highlight .result-value { color: var(--gold); }

.breakdown { margin-top: 1.5rem; }
.breakdown-row {
  display: flex; justify-content: space-between;
  padding: 0.7rem 0; border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 0.875rem;
}
.breakdown-row .bname { color: rgba(255,255,255,0.6); }
.breakdown-row .bval { font-weight: 600; color: var(--white); }
.breakdown-row .bval.neg { color: #ff6b6b; }
.breakdown-row .bval.pos { color: var(--success); }

.defaults-panel {
  margin-top: 2rem; padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.defaults-toggle {
  background: none; border: none; color: var(--accent);
  font-size: 0.85rem; font-weight: 600; cursor: pointer;
  display: flex; align-items: center; gap: 0.4rem;
  padding: 0;
}
.defaults-content { display: none; margin-top: 1.5rem; }
.defaults-content.open { display: block; }
.defaults-content .input-group label { color: rgba(255,255,255,0.5); }

/* ─── KOSTENNEUTRAL ─── */
#kostenneutral { background: var(--navy); }
.kn-wrapper {
  display: grid; grid-template-columns: 1fr 1.2fr;
  gap: 5rem; align-items: center;
}
.kn-steps { margin-top: 2.5rem; }
.kn-step {
  display: flex; gap: 1.5rem;
  padding: 1.5rem 0; position: relative;
}
.kn-step::after {
  content: ''; position: absolute;
  left: 18px; top: 60px; bottom: 0; width: 1px;
  background: rgba(200,169,81,0.2);
}
.kn-step:last-child::after { display: none; }
.step-num {
  flex-shrink: 0; width: 36px; height: 36px;
  background: var(--accent); color: var(--navy);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.85rem; z-index: 1;
}
.kn-step h4 { font-size: 1rem; margin-bottom: 0.4rem; }
.kn-step p { font-size: 0.875rem; color: rgba(255,255,255,0.55); line-height: 1.6; }

.kn-card {
  background: linear-gradient(135deg, var(--mid) 0%, var(--deep) 100%);
  border-radius: 20px; padding: 3rem;
  border: 1px solid rgba(200,169,81,0.15);
}
.kn-card h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem; margin-bottom: 1.5rem;
}
.example-table { width: 100%; border-collapse: collapse; }
.example-table th {
  font-size: 0.75rem; text-transform: uppercase;
  letter-spacing: 1px; color: var(--muted);
  padding: 0.6rem 0; text-align: left;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.example-table td {
  padding: 0.9rem 0; font-size: 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.example-table td:last-child { text-align: right; color: var(--success); font-weight: 600; }
.example-total {
  display: flex; justify-content: space-between;
  margin-top: 1.5rem; padding-top: 1.5rem;
  border-top: 1px solid rgba(200,169,81,0.2);
}
.example-total .label { font-size: 0.9rem; color: var(--muted); }
.example-total .value {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem; color: var(--accent);
}

/* ─── KONTAKT ─── */
#kontakt { background: var(--deep); }
.kontakt-wrapper {
  display: grid; grid-template-columns: 1fr 1.4fr;
  gap: 5rem; align-items: start;
}
.kontakt-info h2 { margin-bottom: 1.5rem; }
.kontakt-info p { color: rgba(255,255,255,0.6); line-height: 1.75; margin-bottom: 2rem; }
.contact-items { display: flex; flex-direction: column; gap: 1rem; }
.contact-item {
  display: flex; gap: 1rem; align-items: center;
  font-size: 0.9rem; color: rgba(255,255,255,0.7);
}
.contact-item span:first-child {
  width: 40px; height: 40px;
  background: rgba(200,169,81,0.1);
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}

.form-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 20px; padding: 3rem;
}
.form-card h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem; margin-bottom: 0.5rem;
}
.form-card .sub { color: var(--muted); font-size: 0.85rem; margin-bottom: 2rem; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block; font-size: 0.78rem; font-weight: 600;
  color: var(--muted); text-transform: uppercase;
  letter-spacing: 0.5px; margin-bottom: 0.5rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--white); padding: 0.85rem 1rem;
  border-radius: 8px; font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-size: 0.9rem; transition: border-color 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--accent); }
.form-group input.error,
.form-group select.error,
.form-group textarea.error { border-color: #ff6b6b; }
.field-error {
  font-size: 0.75rem; color: #ff8888;
  margin-top: 0.3rem; display: none;
}
.field-error.visible { display: block; }
.form-group select option { background: var(--deep); color: var(--white); }
.form-group textarea { resize: vertical; min-height: 100px; }

.checkbox-group { margin-bottom: 1.5rem; }
.checkbox-group label {
  font-size: 0.78rem; font-weight: 600; color: var(--muted);
  text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.75rem; display: block;
}
.checkbox-options { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.checkbox-option {
  display: flex; align-items: center; gap: 0.5rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 6px; padding: 0.5rem 0.9rem;
  cursor: pointer; transition: all 0.2s;
  font-size: 0.85rem; color: rgba(255,255,255,0.7);
}
.checkbox-option input { display: none; }
.checkbox-option:has(input:checked) {
  background: rgba(200,169,81,0.1);
  border-color: var(--accent); color: var(--accent);
}

.form-submit {
  width: 100%; padding: 1.1rem;
  background: var(--accent); color: var(--navy);
  border: none; border-radius: 8px;
  font-weight: 700; font-size: 1rem;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.form-submit:hover { background: var(--gold); transform: translateY(-1px); }
.form-submit:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

.form-spinner {
  display: inline-block;
  width: 14px; height: 14px;
  border: 2px solid rgba(13,27,42,0.3);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  vertical-align: middle;
  margin-right: 0.4rem;
}
@keyframes spin { to { transform: rotate(360deg); } }

.form-success {
  display: none; text-align: center; padding: 2rem;
}
.form-success .check { font-size: 3rem; margin-bottom: 1rem; }
.form-success h3 { font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; margin-bottom: 0.5rem; }
.form-success p { color: var(--muted); font-size: 0.9rem; }

/* ─── FOOTER ─── */
footer {
  background: rgba(0,0,0,0.4); padding: 3rem 4rem;
  border-top: 1px solid rgba(255,255,255,0.07);
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 1rem;
}
footer .logo { font-size: 1.2rem; }
.footer-links { display: flex; gap: 2rem; list-style: none; }
.footer-links a { color: var(--muted); text-decoration: none; font-size: 0.8rem; }
.footer-links a:hover { color: var(--white); }
.footer-copy { color: var(--muted); font-size: 0.8rem; }

/* ─── ROI TABS ─── */
.roi-tabs {
  display: flex; gap: 0.5rem; margin-bottom: 2rem; flex-wrap: wrap;
}
.roi-tab {
  padding: 0.6rem 1.4rem; border-radius: 100px;
  border: 1px solid rgba(255,255,255,0.12);
  background: transparent; color: var(--muted);
  font-size: 0.82rem; font-weight: 600; cursor: pointer;
  transition: all 0.2s; font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.roi-tab.active {
  background: rgba(200,169,81,0.12);
  border-color: var(--accent); color: var(--accent);
}
.roi-tab:hover:not(.active) { border-color: rgba(255,255,255,0.25); color: rgba(255,255,255,0.7); }

/* ─── ROI PARAM SECTIONS ─── */
.roi-param-section { border-radius: 10px; overflow: hidden; }
.roi-param-header {
  display: flex; align-items: center; gap: 0.75rem;
  padding: 0.9rem 0; cursor: pointer;
  user-select: none;
}
.roi-param-header:hover .roi-param-title { color: var(--accent); }
.roi-param-icon { font-size: 1rem; }
.roi-param-title { font-size: 0.9rem; font-weight: 600; flex: 1; transition: color 0.2s; }
.roi-param-arrow { font-size: 0.7rem; color: var(--muted); transition: transform 0.2s; }
.roi-param-body .input-group { margin-bottom: 1rem; }
.roi-param-body .input-group:last-child { margin-bottom: 0.5rem; }

/* ─── ANIMATIONS ─── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
  nav { padding: 1.2rem 2rem; }
  nav.scrolled { padding: 0.8rem 2rem; }
  .hamburger { display: flex; }
  .nav-links {
    display: none;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(13,27,42,0.98);
    backdrop-filter: blur(20px);
    flex-direction: column;
    align-items: center; justify-content: center;
    gap: 2.5rem;
    z-index: 150;
  }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: 1.2rem; letter-spacing: 1px; }
  .nav-links a::after { bottom: -6px; }
  section { padding: 5rem 2rem; }
  .pillar-section { padding: 5rem 2rem; }
  #hero { padding: 7rem 2rem 4rem; }
  .hero-stats { display: none; }
  .hero-pillars { flex-direction: column; }
  .pillar-divider { transform: rotate(90deg); }
  .leistungen-grid, .leistungen-grid-betrieb, .leistungen-grid-mitarbeiter { grid-template-columns: 1fr 1fr; }
  .vorsorge-split, .kn-wrapper, .kontakt-wrapper { grid-template-columns: 1fr; gap: 3rem; }
  .roi-wrapper { grid-template-columns: 1fr; }
  .roi-inputs { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.07); }
  footer { flex-direction: column; text-align: center; padding: 2rem; }
  .footer-links { flex-wrap: wrap; justify-content: center; gap: 1rem; }
}
@media (max-width: 640px) {
  .leistungen-grid, .leistungen-grid-betrieb, .leistungen-grid-mitarbeiter { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  h1 { font-size: 2.2rem; }
  .hero-pillars { display: none; }
  .bav-input-label { width: 130px; font-size: 0.68rem; }
}

/* ─── COOKIE BANNER ─── */
#cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 9000;
  background: rgba(13,27,42,0.97);
  border-top: 1px solid rgba(200,169,81,0.25);
  backdrop-filter: blur(16px);
  transform: translateY(100%);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
}
#cookie-banner.visible { transform: translateY(0); }
#cookie-banner.hiding { transform: translateY(110%); }

.cookie-inner {
  max-width: 1200px; margin: 0 auto;
  padding: 1.25rem 4rem;
  display: flex; align-items: center; gap: 2rem;
  flex-wrap: wrap;
}
.cookie-text { flex: 1; min-width: 260px; }
.cookie-text strong { font-size: 0.9rem; color: var(--white); }
.cookie-text p {
  font-size: 0.8rem; color: var(--muted);
  line-height: 1.55; margin-top: 0.25rem;
}
.cookie-text a { color: var(--accent); text-decoration: none; }
.cookie-text a:hover { color: var(--gold); }

.cookie-actions { display: flex; gap: 0.75rem; flex-shrink: 0; }
.cookie-btn-primary {
  background: var(--accent); color: var(--navy);
  border: none; border-radius: 5px;
  padding: 0.6rem 1.4rem; font-size: 0.85rem; font-weight: 700;
  cursor: pointer; transition: background 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif; white-space: nowrap;
}
.cookie-btn-primary:hover { background: var(--gold); }
.cookie-btn-secondary {
  background: transparent; color: var(--muted);
  border: 1px solid rgba(255,255,255,0.15); border-radius: 5px;
  padding: 0.6rem 1.2rem; font-size: 0.85rem; font-weight: 500;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif; white-space: nowrap;
}
.cookie-btn-secondary:hover { border-color: var(--accent); color: var(--accent); }

/* ─── COOKIE MODAL ─── */
#cookie-modal {
  position: fixed; inset: 0; z-index: 9500;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; transition: opacity 0.3s;
}
#cookie-modal.visible { opacity: 1; }

.cookie-modal-backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.65);
  backdrop-filter: blur(4px);
}
.cookie-modal-box {
  position: relative; z-index: 1;
  background: var(--deep);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 16px; width: min(540px, 92vw);
  max-height: 90vh; overflow-y: auto;
  transform: translateY(20px);
  transition: transform 0.3s;
}
#cookie-modal.visible .cookie-modal-box { transform: translateY(0); }

.cookie-modal-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.5rem 2rem 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.cookie-modal-header h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.3rem; font-weight: 700;
}
.cookie-modal-close {
  background: none; border: none; color: var(--muted);
  font-size: 1rem; cursor: pointer;
  padding: 0.25rem 0.5rem; border-radius: 4px;
  transition: color 0.2s;
}
.cookie-modal-close:hover { color: var(--white); }

.cookie-modal-body { padding: 1.25rem 2rem; }
.cookie-category {
  padding: 1.25rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.cookie-category:last-child { border-bottom: none; }
.cookie-category-header {
  display: flex; align-items: center; justify-content: space-between; gap: 1.5rem;
}
.cookie-category-header strong { font-size: 0.95rem; }
.cookie-category-header p {
  font-size: 0.8rem; color: var(--muted); line-height: 1.5;
  margin-top: 0.3rem;
}
.cookie-always-on {
  font-size: 0.75rem; color: var(--success);
  background: rgba(61,187,138,0.1);
  border: 1px solid rgba(61,187,138,0.25);
  border-radius: 100px; padding: 0.2rem 0.7rem;
  white-space: nowrap; flex-shrink: 0;
}

/* Toggle-Switch */
.cookie-toggle { position: relative; flex-shrink: 0; }
.cookie-toggle input { opacity: 0; width: 0; height: 0; position: absolute; }
.cookie-toggle-slider {
  display: block; width: 44px; height: 24px;
  background: rgba(255,255,255,0.12);
  border-radius: 100px; cursor: pointer;
  transition: background 0.25s;
  position: relative;
}
.cookie-toggle-slider::before {
  content: ''; position: absolute;
  width: 18px; height: 18px;
  background: var(--white); border-radius: 50%;
  top: 3px; left: 3px;
  transition: transform 0.25s;
}
.cookie-toggle input:checked + .cookie-toggle-slider { background: var(--accent); }
.cookie-toggle input:checked + .cookie-toggle-slider::before { transform: translateX(20px); }

.cookie-modal-footer {
  display: flex; justify-content: flex-end; gap: 0.75rem;
  padding: 1rem 2rem 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}

@media (max-width: 640px) {
  .cookie-inner { padding: 1rem 1.25rem; }
  .cookie-actions { width: 100%; }
  .cookie-btn-primary, .cookie-btn-secondary { flex: 1; text-align: center; }
}

/* ══════════════════════════════════════════
   BENEFIT-BUDGET-RECHNER
   ══════════════════════════════════════════ */
#benefit-rechner { background: var(--navy); }

.br-wrapper {
  display: grid;
  grid-template-columns: 400px 1fr;
  gap: 2rem;
  align-items: start;
}

/* ─── INPUTS PANEL ─── */
.br-inputs {
  background: linear-gradient(135deg, var(--mid) 0%, var(--deep) 100%);
  border: 1px solid rgba(200,169,81,0.18);
  border-radius: 20px;
  padding: 2rem;
  position: sticky;
  top: 100px;
}

.br-section-title {
  font-size: 0.7rem; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase;
  color: var(--accent); margin: 1.5rem 0 0.75rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.br-section-title:first-child { margin-top: 0; padding-top: 0; border-top: none; }

.br-row {
  display: flex; align-items: center; gap: 0.5rem;
  margin-bottom: 0.75rem;
}
.br-label {
  font-size: 0.74rem; color: var(--muted);
  flex: 0 0 auto; width: 160px; line-height: 1.3;
}
.br-row input[type="range"] {
  flex: 1; -webkit-appearance: none;
  height: 3px; background: rgba(255,255,255,0.1);
  border-radius: 2px; cursor: pointer; outline: none; min-width: 0;
}
.br-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 14px; height: 14px;
  background: var(--accent); border-radius: 50%; cursor: pointer;
}
.br-num {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--white); padding: 0.3rem 0.4rem;
  border-radius: 5px; width: 62px; text-align: right;
  font-size: 0.82rem; font-weight: 600;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif; flex-shrink: 0;
}
.br-num:focus { outline: none; border-color: var(--accent); }
.br-unit { font-size: 0.72rem; color: var(--muted); flex-shrink: 0; width: 22px; }

.br-select {
  width: 100%; background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--white); padding: 0.5rem 0.75rem;
  border-radius: 8px; font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-size: 0.85rem; margin-bottom: 0.75rem; outline: none;
}
.br-select option { background: var(--deep); }
.br-select:focus { border-color: var(--accent); }

.br-toggle-row {
  display: flex; align-items: center; gap: 0.75rem;
  margin-bottom: 0.75rem;
}
.br-toggle-label { font-size: 0.82rem; color: rgba(255,255,255,0.8); flex: 1; }
.br-toggle-row input[type="checkbox"] {
  width: 16px; height: 16px;
  accent-color: var(--accent); cursor: pointer; flex-shrink: 0;
}

/* AG-Pct Slider mit Ampel-Highlights */
.br-ag-pct-wrap { margin-bottom: 0.75rem; }
.br-ag-markers {
  display: flex; justify-content: space-between;
  font-size: 0.65rem; color: var(--muted);
  margin-top: 0.25rem; padding: 0 2px;
}
.br-ag-markers span { cursor: pointer; transition: color 0.2s; }
.br-ag-markers span:hover { color: var(--accent); }

/* Ampel */
.br-ampel-box {
  display: flex; align-items: center; gap: 0.6rem;
  padding: 0.6rem 0.9rem; border-radius: 8px;
  font-size: 0.82rem; font-weight: 600;
  margin-bottom: 0.75rem; transition: all 0.3s;
}
.ampel-red    { background: rgba(255,107,107,0.1); border: 1px solid rgba(255,107,107,0.25); color: #ff8888; }
.ampel-yellow { background: rgba(255,200,50,0.1);  border: 1px solid rgba(255,200,50,0.25);  color: #ffc832; }
.ampel-green  { background: rgba(61,187,138,0.1);  border: 1px solid rgba(61,187,138,0.25); color: var(--success); }
.ampel-star   { background: rgba(200,169,81,0.1);  border: 1px solid rgba(200,169,81,0.25); color: var(--accent); }
.br-ampel-icon { font-size: 1.1rem; }

.br-vl-hint {
  font-size: 0.75rem; color: var(--success);
  background: rgba(61,187,138,0.07);
  border: 1px solid rgba(61,187,138,0.2);
  border-radius: 6px; padding: 0.4rem 0.7rem;
  margin-bottom: 0.75rem; line-height: 1.4;
}

/* Staffel-Grid */
.br-staffel-grid {
  display: grid; grid-template-columns: 1fr 1fr 80px;
  gap: 0.4rem; align-items: center;
  margin-bottom: 0.4rem;
}
.br-staffel-label { font-size: 0.72rem; color: var(--muted); }
.br-staffel-grid .br-num { width: 68px; }

/* ─── RESULTS PANEL ─── */
.br-results { display: flex; flex-direction: column; gap: 1.5rem; }

/* Stufen-Karten */
.br-stufen {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.br-stufe-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px; padding: 1.4rem;
  position: relative; overflow: hidden;
  transition: border-color 0.3s;
}
.br-stufe-card:hover { border-color: rgba(200,169,81,0.25); }
.br-stufe-card::before {
  content: ''; position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: var(--accent); opacity: 0.6;
}
.br-stufe-card:nth-child(2)::before { opacity: 0.85; }
.br-stufe-card:nth-child(3)::before { opacity: 1; }

.br-stufe-header {
  font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--accent); margin-bottom: 1rem;
}
.br-kpi-row {
  display: flex; justify-content: space-between;
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.82rem;
}
.br-kpi-row:last-child { border-bottom: none; }
.br-kpi-label { color: rgba(255,255,255,0.55); }
.br-kpi-val   { font-weight: 600; color: var(--white); }
.br-kpi-val.pos { color: var(--success); }
.br-kpi-val.acc { color: var(--accent); }

.br-netto-box {
  margin-top: 1rem; padding: 0.75rem;
  background: rgba(200,169,81,0.07);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 8px; text-align: center;
}
.br-netto-label { font-size: 0.65rem; text-transform: uppercase; letter-spacing: 1px; color: var(--muted); margin-bottom: 0.2rem; }
.br-netto-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.6rem; font-weight: 700; color: var(--accent);
}
.br-hebel-badge {
  display: inline-block; margin-top: 0.3rem;
  background: rgba(61,187,138,0.1);
  border: 1px solid rgba(61,187,138,0.2);
  color: var(--success); border-radius: 100px;
  padding: 0.15rem 0.6rem; font-size: 0.72rem; font-weight: 700;
}

/* Gesamtberechnung */
.br-gesamt {
  background: linear-gradient(135deg, rgba(30,58,95,0.6) 0%, rgba(13,27,42,0.8) 100%);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 16px; padding: 2rem;
}
.br-gesamt h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.3rem; margin-bottom: 1.25rem;
}
.br-gesamt-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 0.75rem; margin-bottom: 1.25rem;
}
.br-gesamt-card {
  background: rgba(0,0,0,0.2);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 10px; padding: 0.9rem 1rem;
}
.br-gesamt-card-label { font-size: 0.7rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.3rem; }
.br-gesamt-card-val { font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1.4rem; font-weight: 700; color: var(--accent); }
.br-gesamt-card.green { border-color: rgba(61,187,138,0.2); background: rgba(61,187,138,0.04); }
.br-gesamt-card.green .br-gesamt-card-val { color: var(--success); }

.br-gesamt-rows { border-top: 1px solid rgba(255,255,255,0.07); padding-top: 1rem; }
.br-gesamt-row {
  display: flex; justify-content: space-between;
  padding: 0.5rem 0; border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.875rem;
}
.br-gesamt-row:last-child { border-bottom: none; }
.br-gesamt-row .glabel { color: rgba(255,255,255,0.6); }
.br-gesamt-row .gval   { font-weight: 600; }
.br-gesamt-row .gval.pos { color: var(--success); }

/* MA-Verteilung Inputs */
.br-ma-grid {
  display: grid; grid-template-columns: auto 1fr 60px;
  gap: 0.5rem 0.75rem; align-items: center;
  margin-bottom: 0.75rem;
}
/* BBG Tier Buttons */
.br-bbg-group {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 0.4rem; margin-bottom: 0.75rem;
}
.br-bbg-btn {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--muted); border-radius: 8px;
  padding: 0.5rem 0.4rem; font-size: 0.72rem;
  font-weight: 600; cursor: pointer; text-align: center;
  transition: all 0.2s; font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  line-height: 1.3;
}
.br-bbg-btn small { font-weight: 400; color: rgba(255,255,255,0.35); font-size: 0.65rem; }
.br-bbg-btn:hover { border-color: rgba(200,169,81,0.3); color: rgba(255,255,255,0.7); }
.br-bbg-btn.active {
  background: rgba(200,169,81,0.1);
  border-color: var(--accent); color: var(--accent);
}
.br-bbg-btn.active small { color: rgba(200,169,81,0.6); }

.br-ma-badge {
  font-size: 0.72rem; font-weight: 700;
  background: rgba(200,169,81,0.1);
  border: 1px solid rgba(200,169,81,0.2);
  color: var(--accent); border-radius: 100px;
  padding: 0.15rem 0.6rem; white-space: nowrap;
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1200px) {
  .br-wrapper { grid-template-columns: 340px 1fr; }
}
@media (max-width: 1024px) {
  .br-wrapper { grid-template-columns: 1fr; }
  .br-inputs { position: static; }
  .br-stufen { grid-template-columns: 1fr; }
  .br-gesamt-grid { grid-template-columns: 1fr 1fr; }
  .br-label { width: 130px; font-size: 0.7rem; }
}
@media (max-width: 640px) {
  .br-gesamt-grid { grid-template-columns: 1fr; }
  .br-staffel-grid { grid-template-columns: 1fr 70px; }
  .br-staffel-grid .br-num:last-child { display: none; }
}

/* ─── QUIZ TRIGGER SECTION ─── */
#quiz-trigger {
  background: linear-gradient(135deg, var(--mid) 0%, var(--deep) 100%);
  border-top: 1px solid rgba(200,169,81,0.12);
  border-bottom: 1px solid rgba(200,169,81,0.12);
  padding: 4rem;
}
@media (max-width: 768px) {
  #quiz-trigger { padding: 1.5rem 0.75rem; }
  #quiz-trigger #quiz-content { border-radius: 12px; }
}
.quiz-trigger-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
  max-width: 1100px;
  margin: 0 auto;
}
.quiz-trigger-text .section-label { margin-bottom: 0.75rem; }
.quiz-trigger-text h2 { font-size: clamp(1.6rem,2.5vw,2.2rem); margin-bottom: 0.75rem; }
.quiz-trigger-text p {
  font-size: 0.95rem; color: rgba(255,255,255,0.6);
  line-height: 1.7; max-width: 520px;
}
.quiz-trigger-cta { flex-shrink: 0; text-align: center; }
.quiz-start-btn {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: var(--accent); color: var(--navy);
  border: none; border-radius: 6px;
  padding: 1rem 2rem; font-size: 1rem; font-weight: 700;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif; white-space: nowrap;
}
.quiz-start-btn:hover { background: var(--gold); transform: translateY(-2px); }
.quiz-start-btn .quiz-start-icon { font-size: 1.3rem; }
.quiz-trigger-meta {
  margin-top: 0.6rem;
  font-size: 0.78rem; color: var(--muted);
}

/* ─── QUIZ MODAL ─── */
#quiz-modal {
  position: fixed; inset: 0; z-index: 9600;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; pointer-events: none;
  transition: opacity 0.3s;
}
#quiz-modal.open { opacity: 1; pointer-events: all; }

.quiz-backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.75);
  backdrop-filter: blur(6px);
}
.quiz-box {
  position: relative; z-index: 1;
  background: var(--deep);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 20px;
  width: min(680px, 95vw);
  max-height: 92vh;
  overflow-y: auto;
  transform: translateY(20px);
  transition: transform 0.3s;
}
#quiz-modal.open .quiz-box { transform: translateY(0); }

.quiz-close-btn {
  position: absolute; top: 1.25rem; right: 1.25rem;
  background: none; border: none;
  color: var(--muted); font-size: 1.1rem;
  cursor: pointer; padding: 0.3rem 0.6rem;
  border-radius: 6px; transition: color 0.2s; z-index: 2;
}
.quiz-close-btn:hover { color: var(--white); }

/* Progress */
.quiz-progress-wrap {
  height: 4px;
  background: rgba(255,255,255,0.07);
  border-radius: 4px 4px 0 0;
  overflow: hidden;
}
.quiz-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--gold));
  transition: width 0.4s ease;
  border-radius: 4px;
}

.quiz-step-inner { padding: 2.5rem; }
.quiz-step-num {
  font-size: 0.75rem; font-weight: 600;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--accent); margin-bottom: 1rem;
}
.quiz-q {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.6rem; font-weight: 700;
  line-height: 1.2; margin-bottom: 0.6rem;
}
.quiz-q-sub {
  font-size: 0.875rem; color: var(--muted);
  margin-bottom: 1.5rem;
}

/* Option Cards */
.quiz-options {
  display: grid;
  gap: 0.75rem;
  margin-bottom: 2rem;
}
.quiz-cols-2 { grid-template-columns: repeat(2, 1fr); }
.quiz-cols-3 { grid-template-columns: repeat(3, 1fr); }

.quiz-option {
  display: flex; flex-direction: column;
  align-items: center; text-align: center;
  gap: 0.5rem;
  padding: 1.25rem 1rem;
  min-width: 0;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  cursor: pointer;
  transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.quiz-option:hover {
  background: rgba(200,169,81,0.07);
  border-color: rgba(200,169,81,0.35);
}
.quiz-option.selected {
  background: rgba(200,169,81,0.1);
  border-color: var(--accent);
}
.quiz-opt-icon { font-size: 1.8rem; line-height: 1; }
.quiz-opt-label { font-size: 0.875rem; font-weight: 600; color: var(--white); width: 100%; overflow-wrap: break-word; }
.quiz-opt-sub { font-size: 0.75rem; color: var(--muted); }
.quiz-option.selected .quiz-opt-label { color: var(--accent); }

/* Navigation */
.quiz-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.quiz-btn-back {
  background: none; border: 1px solid rgba(255,255,255,0.15);
  color: var(--muted); border-radius: 6px;
  padding: 0.6rem 1.25rem; font-size: 0.875rem;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.quiz-btn-back:hover { border-color: rgba(255,255,255,0.35); color: var(--white); }
.quiz-btn-next {
  background: var(--accent); color: var(--navy);
  border: none; border-radius: 6px;
  padding: 0.6rem 1.5rem; font-size: 0.875rem; font-weight: 700;
  cursor: pointer; transition: background 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.quiz-btn-next:hover { background: var(--gold); }

.quiz-btn-skip {
  background: transparent; color: var(--muted);
  border: 1px solid rgba(255,255,255,0.12); border-radius: 6px;
  padding: 0.6rem 1.1rem; font-size: 0.82rem;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.quiz-btn-skip:hover { color: var(--success); border-color: rgba(61,187,138,0.3); }

.quiz-ziel-badge {
  display: inline-block;
  background: rgba(200,169,81,0.1);
  border: 1px solid rgba(200,169,81,0.25);
  color: var(--accent);
  border-radius: 100px; padding: 0.2rem 0.75rem;
  font-size: 0.72rem; font-weight: 600;
}

/* Ergebnis-Seite */
.quiz-results .quiz-q em { color: var(--accent); font-style: normal; }
.quiz-results-label {
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase;
  color: var(--success); margin-bottom: 0.75rem;
}
.quiz-rec-list { margin: 1.5rem 0 2rem; display: flex; flex-direction: column; gap: 1rem; }
.quiz-rec {
  display: flex; align-items: flex-start; gap: 1rem;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px; padding: 1.25rem;
  transition: border-color 0.2s;
}
.quiz-rec:hover { border-color: rgba(200,169,81,0.2); }
.quiz-rec-rank {
  flex-shrink: 0;
  width: 28px; height: 28px;
  background: var(--accent); color: var(--navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem; font-weight: 700;
}
.quiz-rec-icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 1px; }
.quiz-rec-body h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.3rem; }
.quiz-rec-body p { font-size: 0.82rem; color: rgba(255,255,255,0.6); line-height: 1.65; }

.quiz-cta-box {
  background: rgba(200,169,81,0.06);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 12px; padding: 1.5rem;
  text-align: center;
}
.quiz-cta-box p {
  font-size: 0.875rem; color: rgba(255,255,255,0.7);
  line-height: 1.6; margin-bottom: 1.25rem;
}
.quiz-apply-btn { width: 100%; padding: 1rem; font-size: 0.95rem; }
.quiz-cta-link {
  display: block; margin-top: 0.75rem;
  font-size: 0.8rem; color: var(--muted);
  text-decoration: none; transition: color 0.2s;
}
.quiz-cta-link:hover { color: var(--accent); }

/* ─── BRANCH TOAST ─── */
#branch-toast {
  position: fixed;
  top: 90px; left: 50%; transform: translateX(-50%) translateY(-10px);
  background: rgba(13,27,42,0.97);
  border: 1px solid rgba(61,187,138,0.4);
  border-radius: 100px;
  padding: 0.7rem 1.5rem;
  font-size: 0.875rem; color: var(--white);
  white-space: nowrap;
  z-index: 9800;
  opacity: 0; transition: opacity 0.35s, transform 0.35s;
  backdrop-filter: blur(12px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.4);
}
#branch-toast.visible { opacity: 1; transform: translateX(-50%) translateY(0); }
#branch-toast strong { color: var(--success); }

/* ─── RESPONSIVE QUIZ ─── */
@media (max-width: 1024px) {
  #quiz-trigger { padding: 3rem 2rem; }
  .quiz-trigger-inner { flex-direction: column; text-align: center; gap: 1.5rem; }
  .quiz-trigger-text p { max-width: 100%; }
}
@media (max-width: 640px) {
  .quiz-cols-3 { grid-template-columns: repeat(2, 1fr); }
  .quiz-cols-2 { grid-template-columns: repeat(2, 1fr); }
  .quiz-step-inner { padding: 1.5rem; }
  .quiz-q { font-size: 1.3rem; }
  #branch-toast { white-space: normal; width: 90%; text-align: center; }
}

/* ─── PARTNER LOGOS ─── */
#partner {
  background: var(--deep);
  padding: 3rem 4rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.partner-label {
  text-align: center;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 2rem;
}
.partner-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.5rem 0;
}
.partner-logo {
  padding: 0.5rem 1.8rem;
  font-size: 1rem;
  font-weight: 700;
  color: rgba(255,255,255,0.2);
  letter-spacing: 0.5px;
  transition: color 0.25s;
  border-right: 1px solid rgba(255,255,255,0.07);
  white-space: nowrap;
}
.partner-logo:last-child { border-right: none; }
.partner-logo:hover { color: rgba(255,255,255,0.55); }

/* ─── TESTIMONIALS ─── */
#testimonials { background: var(--deep); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3.5rem;
}
.testimonial-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 2rem;
  position: relative;
  display: flex;
  flex-direction: column;
  transition: border-color 0.3s;
}
.testimonial-card:hover { border-color: rgba(200,169,81,0.25); }
.testimonial-quote-mark {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 4rem;
  line-height: 1;
  color: var(--accent);
  opacity: 0.25;
  margin-bottom: 0.5rem;
}
.testimonial-text {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.8;
  flex: 1;
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial-footer {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.testimonial-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--mid), var(--deep));
  border: 1px solid rgba(200,169,81,0.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}
.testimonial-name {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--white);
}
.testimonial-company {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 0.1rem;
}
.testimonial-badge {
  margin-left: auto;
  background: rgba(61,187,138,0.1);
  border: 1px solid rgba(61,187,138,0.2);
  color: var(--success);
  border-radius: 100px;
  padding: 0.2rem 0.7rem;
  font-size: 0.72rem;
  font-weight: 600;
  white-space: nowrap;
}
.testimonials-disclaimer {
  text-align: center;
  margin-top: 1.5rem;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.25);
}

/* ─── FAQ ─── */
#faq { background: var(--navy); }
.faq-list { margin-top: 3rem; max-width: 860px; }
.faq-item {
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.faq-item:first-child { border-top: 1px solid rgba(255,255,255,0.07); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.4rem 0;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  color: var(--white);
  transition: color 0.2s;
  user-select: none;
  list-style: none;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.faq-question:hover { color: var(--accent); }
.faq-question.open { color: var(--accent); }
.faq-icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1px solid rgba(200,169,81,0.3);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  color: var(--accent);
  transition: transform 0.3s, background 0.2s;
}
.faq-question.open .faq-icon {
  transform: rotate(45deg);
  background: rgba(200,169,81,0.1);
}
.faq-answer {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.35s ease;
}
.faq-answer.open { grid-template-rows: 1fr; }
.faq-answer-inner {
  overflow: hidden;
}
.faq-answer-inner p {
  padding-bottom: 1.5rem;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.85;
  font-weight: 300;
}

/* ─── MITARBEITER-PERSPEKTIVE MODAL ─── */
#ma-modal {
  position: fixed; inset: 0; z-index: 9500;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; pointer-events: none;
  transition: opacity 0.3s;
}
#ma-modal.open { opacity: 1; pointer-events: all; }

.ma-modal-backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.7);
  backdrop-filter: blur(6px);
}
.ma-modal-box {
  position: relative; z-index: 1;
  background: var(--deep);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 20px;
  width: min(900px, 94vw);
  max-height: 90vh;
  overflow-y: auto;
  transform: translateY(24px);
  transition: transform 0.3s;
  padding: 3rem;
}
#ma-modal.open .ma-modal-box { transform: translateY(0); }

.ma-modal-header {
  display: flex; justify-content: space-between; align-items: flex-start;
  margin-bottom: 2.5rem;
}
.ma-modal-header h2 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.8rem; margin-bottom: 0.4rem;
}
.ma-modal-header p {
  font-size: 0.88rem; color: var(--muted);
}
.ma-modal-close {
  background: none; border: none;
  color: var(--muted); font-size: 1.2rem;
  cursor: pointer; padding: 0.3rem 0.6rem;
  border-radius: 6px; transition: color 0.2s; flex-shrink: 0;
}
.ma-modal-close:hover { color: var(--white); }

.ma-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 2rem;
}
.ma-col {
  border-radius: 12px;
  padding: 1.5rem;
}
.ma-col-before {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
}
.ma-col-after {
  background: rgba(61,187,138,0.05);
  border: 1px solid rgba(61,187,138,0.2);
}
.ma-col-title {
  font-size: 0.75rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px;
  margin-bottom: 1.25rem;
}
.ma-col-before .ma-col-title { color: var(--muted); }
.ma-col-after .ma-col-title { color: var(--success); }

.ma-row {
  display: flex; justify-content: space-between;
  align-items: center; padding: 0.65rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.875rem;
}
.ma-row:last-child { border-bottom: none; }
.ma-row-label { color: rgba(255,255,255,0.6); }
.ma-row-val { font-weight: 600; }
.ma-row-val.pos { color: var(--success); }
.ma-row-val.accent { color: var(--accent); }
.ma-row-val.muted { color: var(--muted); }

.ma-total {
  display: flex; justify-content: space-between;
  align-items: center;
  margin-top: 1rem; padding-top: 1rem;
  border-top: 2px solid rgba(255,255,255,0.1);
}
.ma-total-label { font-size: 0.88rem; font-weight: 600; }
.ma-total-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem; font-weight: 700;
}
.ma-col-after .ma-total-val { color: var(--success); }

.ma-insight {
  background: rgba(200,169,81,0.07);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 10px; padding: 1rem 1.25rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.65;
}
.ma-insight strong { color: var(--accent); }

.ma-modal-footer {
  margin-top: 2rem; text-align: center;
}

/* Trigger-Button in Mitarbeiter-Sektion */
.ma-perspective-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin-top: 2rem;
  background: rgba(61,187,138,0.08);
  border: 1px solid rgba(61,187,138,0.25);
  color: var(--success);
  border-radius: 100px;
  padding: 0.55rem 1.3rem;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.ma-perspective-btn:hover {
  background: rgba(61,187,138,0.14);
  border-color: var(--success);
}

@media (max-width: 1024px) {
  #partner { padding: 2.5rem 2rem; }
  .testimonials-grid { grid-template-columns: 1fr; gap: 1rem; }
  .ma-compare { grid-template-columns: 1fr; }
  .ma-modal-box { padding: 2rem 1.5rem; }
}
@media (max-width: 640px) {
  .partner-logo { font-size: 0.85rem; padding: 0.5rem 1rem; }
  .faq-question { font-size: 0.92rem; }
}

/* ─── KOSTENNEUTRAL: ZUSAMMENFASSUNG ─── */
.kn-summary-card {
  background: linear-gradient(135deg, rgba(30,58,95,0.6), rgba(13,27,42,0.8));
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 14px; padding: 1.5rem;
  margin-top: 1.5rem;
}
.kn-summary-title {
  font-size: 0.7rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--accent); margin-bottom: 1rem;
}
.kn-summary-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.5rem 0; border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 0.875rem;
}
.kn-summary-row:last-of-type { border-bottom: none; }
.kn-summary-row span:first-child { color: rgba(255,255,255,0.6); }
.kn-summary-row .pos  { color: var(--success); font-weight: 600; }
.kn-summary-row .acc  { color: var(--accent); font-weight: 700; font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1.1rem; }
.kn-summary-row .gold { color: var(--gold); font-weight: 700; font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1.25rem; }
.kn-summary-row.hl {
  background: rgba(200,169,81,0.06); border-radius: 8px;
  padding: 0.6rem 0.75rem; margin: 0.25rem -0.75rem;
  border-bottom: none;
}
.kn-summary-hint {
  font-size: 0.72rem; color: rgba(255,255,255,0.25);
  margin-top: 1rem; line-height: 1.5;
  font-style: italic;
}

/* Arbeitgeber-Vorteile (rechte Spalte) */
.ag-vorteile { display: flex; flex-direction: column; gap: 0.85rem; }
.ag-vorteil {
  display: flex; align-items: flex-start; gap: 0.85rem;
  padding: 0.75rem; border-radius: 10px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  transition: border-color 0.2s;
}
.ag-vorteil:hover { border-color: rgba(200,169,81,0.2); }
.ag-v-icon { font-size: 1.3rem; flex-shrink: 0; margin-top: 1px; }
.ag-vorteil strong {
  display: block; font-size: 0.875rem; font-weight: 700;
  color: var(--white); margin-bottom: 0.2rem;
}
.ag-vorteil span { font-size: 0.78rem; color: rgba(255,255,255,0.55); line-height: 1.5; }

/* ─── ROI FK-GRUPPE ─── */
.roi-fk-section {
  background: rgba(232,201,106,0.05);
  border: 1px solid rgba(232,201,106,0.15);
  border-radius: 10px; padding: 0.75rem 1rem;
  margin-top: 1rem;
}
.roi-fk-toggle-row {
  display: flex; align-items: center; gap: 0.6rem; cursor: pointer;
}
.roi-fk-label {
  font-size: 0.82rem; color: rgba(255,255,255,0.75); flex: 1;
}
#roi-fk-inputs { margin-top: 0.75rem; }

/* ─── JE MITARBEITER PANEL ─── */
.jema-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 0.75rem; margin-bottom: 1.25rem;
}
.jema-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px; padding: 1rem;
}
.jema-card.acc { border-color: rgba(200,169,81,0.2); background: rgba(200,169,81,0.04); }
.jema-card.pos { border-color: rgba(61,187,138,0.15); background: rgba(61,187,138,0.03); }
.jema-label { font-size: 0.7rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.35rem; }
.jema-val { font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1.4rem; font-weight: 700; color: var(--accent); }
.jema-card.pos .jema-val { color: var(--success); }
.jema-sub { font-size: 0.68rem; color: rgba(255,255,255,0.3); margin-top: 0.2rem; }

.jema-summary {
  background: rgba(0,0,0,0.2); border-radius: 10px;
  padding: 0.75rem 1rem; margin-top: 0.25rem;
}
.jema-sum-row {
  display: flex; justify-content: space-between;
  padding: 0.4rem 0; border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.82rem;
}
.jema-sum-row:last-child { border-bottom: none; }
.jema-sum-row span:first-child { color: rgba(255,255,255,0.55); }
.jema-sum-row .pos  { color: var(--success); font-weight: 600; }
.jema-sum-row .neg  { color: #ff8888; font-weight: 600; }
.jema-sum-row .acc  { color: var(--accent); font-weight: 700; }
.jema-sum-row.hl { background: rgba(200,169,81,0.05); border-radius: 6px; padding: 0.5rem 0.5rem; margin: 0.2rem -0.5rem; }

/* ─── MITARBEITERSICHT PANEL ─── */
.masicht-tarif {
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px; overflow: hidden;
  transition: border-color 0.3s;
}
.masicht-tarif-header {
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.5px; text-transform: uppercase;
  padding: 0.6rem 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.masicht-bottom {
  background: rgba(0,0,0,0.2); border-radius: 10px;
  padding: 0.75rem 1rem; margin-top: 0.75rem;
}
.masicht-row {
  display: flex; justify-content: space-between;
  padding: 0.4rem 0; border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.82rem;
}
.masicht-row:last-child { border-bottom: none; }
.masicht-row span:first-child { color: rgba(255,255,255,0.55); }
.masicht-row .acc  { color: var(--accent); font-weight: 700; }
.masicht-row .gold { color: var(--gold); font-weight: 700; font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; font-size: 1rem; }
.masicht-row.hl { background: rgba(200,169,81,0.05); border-radius: 6px; padding: 0.5rem 0.5rem; margin: 0.2rem -0.5rem; }

/* ─── MITARBEITER-MEHRWERT PANEL (ROI) ─── */
.ma-mehrwert-panel {
  margin-top: 1.75rem;
  background: linear-gradient(135deg, rgba(61,187,138,0.06) 0%, rgba(13,27,42,0.4) 100%);
  border: 1px solid rgba(61,187,138,0.2);
  border-radius: 14px;
  overflow: hidden;
}
.ma-mehrwert-header {
  display: flex; align-items: center;
  justify-content: space-between; gap: 1rem;
  padding: 0.9rem 1.25rem 0.5rem;
  border-bottom: 1px solid rgba(61,187,138,0.1);
}
.tarif-badge {
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.5px;
  background: rgba(61,187,138,0.1);
  border: 1px solid rgba(61,187,138,0.25);
  color: var(--success);
  border-radius: 100px;
  padding: 0.25rem 0.85rem;
  white-space: nowrap;
  transition: all 0.4s ease;
}

/* Tarif-Service-Panel (Zwei Zonen) */
#roi-bkv-services { padding: 0; }

.bkv-zone {
  padding: 0.9rem 1.25rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.bkv-zone:last-child { border-bottom: none; }
.bkv-zone-title {
  font-size: 0.67rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--success); margin-bottom: 0.7rem;
}
.bkv-zone-budget { transition: border-color 0.4s; }

/* Basis-Service-Zeilen */
.bkv-basis-item {
  display: flex; align-items: flex-start; gap: 0.55rem;
  margin-bottom: 0.55rem;
}
.bkv-basis-item:last-child { margin-bottom: 0; }
.bkv-b-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }
.bkv-basis-item strong {
  display: block; font-size: 0.8rem;
  font-weight: 700; color: var(--white); margin-bottom: 0.1rem;
}
.bkv-basis-item span {
  font-size: 0.72rem; color: var(--muted); line-height: 1.4;
}

/* Budget-Display */
.budget-display { padding: 0.5rem 0; }
.budget-amount {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 2.2rem; font-weight: 700;
  line-height: 1; margin-bottom: 0.5rem;
  transition: color 0.4s;
}
.budget-bar-wrap {
  height: 8px; background: rgba(255,255,255,0.07);
  border-radius: 4px; overflow: hidden; margin-bottom: 0.85rem;
}
.budget-bar-fill {
  height: 100%; border-radius: 4px;
  transition: width 0.5s ease, background 0.4s;
}
.budget-kategorien {
  display: flex; flex-wrap: wrap; gap: 0.35rem;
  margin-bottom: 0.75rem;
}
.budget-kat {
  display: inline-flex; align-items: center; gap: 0.3rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 100px; padding: 0.25rem 0.65rem;
  font-size: 0.71rem; color: rgba(255,255,255,0.65);
}
.budget-tipp {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.55);
  background: rgba(200,169,81,0.06);
  border: 1px solid rgba(200,169,81,0.15);
  border-radius: 8px; padding: 0.5rem 0.75rem;
  line-height: 1.5;
}
.budget-tipp strong { color: var(--accent); }

.ma-mehrwert-title {
  font-size: 0.7rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--success);
}
.ma-mehrwert-grid { display: flex; flex-direction: column; }
.ma-mw-item {
  display: flex; align-items: center; gap: 0.85rem;
  padding: 0.75rem 1.25rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: background 0.2s;
}
.ma-mw-item:last-child { border-bottom: none; }
.ma-mw-item.highlight { background: rgba(61,187,138,0.07); }
.ma-mw-icon { font-size: 1.3rem; flex-shrink: 0; }
.ma-mw-body { flex: 1; min-width: 0; }
.ma-mw-body strong { display: block; font-size: 0.82rem; font-weight: 700; color: var(--white); }
.ma-mw-body span { font-size: 0.72rem; color: var(--muted); line-height: 1.4; }
.ma-mw-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1rem; font-weight: 700;
  color: var(--success); flex-shrink: 0;
  text-align: right; min-width: 70px;
}
.ma-mw-val.accent { color: var(--accent); font-size: 1.15rem; }

/* ─── bKV SPOTLIGHT ─── */
.bkv-tagline {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-style: italic;
  font-size: 0.92rem;
  color: var(--success);
  line-height: 1.55;
  border-left: 3px solid rgba(61,187,138,0.4);
  padding-left: 0.75rem;
  margin-bottom: 0.85rem;
}
.bkv-services-label {
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--success); margin: 0.85rem 0 0.4rem;
}
.bkv-budget-label { color: var(--accent); }

.bkv-services {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
  margin-bottom: 1rem;
}
.bkv-service {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  padding: 0.55rem 0.7rem;
  background: rgba(61,187,138,0.05);
  border: 1px solid rgba(61,187,138,0.12);
  border-radius: 8px;
}
.bkv-sicon { font-size: 1.05rem; flex-shrink: 0; margin-top: 1px; }
.bkv-service strong {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.15rem;
  line-height: 1.3;
}
.bkv-service span { font-size: 0.7rem; color: var(--muted); line-height: 1.4; }
/* Budget-Service spannt 2 Spalten */
.bkv-services > .bkv-service:only-child { grid-column: 1 / -1; }
@media (max-width: 640px) { .bkv-services { grid-template-columns: 1fr; } }

/* ─── BOOKING MODAL ─── */
#booking-modal {
  position: fixed; inset: 0; z-index: 9600;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; pointer-events: none;
  transition: opacity 0.3s;
}
#booking-modal.open { opacity: 1; pointer-events: all; }

.booking-backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.75);
  backdrop-filter: blur(6px);
}
.booking-box {
  position: relative; z-index: 1;
  background: var(--deep);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 16px;
  width: min(860px, 95vw);
  height: min(680px, 90vh);
  display: flex; flex-direction: column;
  overflow: hidden;
  transform: translateY(20px);
  transition: transform 0.3s;
}
#booking-modal.open .booking-box { transform: translateY(0); }
.booking-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 1rem 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-weight: 600; font-size: 0.95rem;
}
.booking-close {
  background: none; border: none;
  color: var(--muted); font-size: 1.1rem;
  cursor: pointer; padding: 0.25rem 0.5rem;
  border-radius: 4px; transition: color 0.2s;
}
.booking-close:hover { color: var(--white); }
.booking-iframe {
  flex: 1; width: 100%; border: none;
  background: #fff;
}

/* ══════════════════════════════════════════════════════════════
   ANIMATIONEN & MICRO-INTERACTIONS (2026-07-05)
   ══════════════════════════════════════════════════════════════ */

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes shake {
  0%,100% { transform: translateX(0); }
  20%      { transform: translateX(-6px); }
  40%      { transform: translateX(6px); }
  60%      { transform: translateX(-4px); }
  80%      { transform: translateX(4px); }
}

input[type="text"]:focus,
input[type="email"]:focus,
input[type="password"]:focus,
input[type="number"]:focus,
select:focus,
textarea:focus {
  outline: none;
  box-shadow: 0 0 0 2px rgba(200,169,81,0.35);
  transition: box-shadow .2s;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
}

/* ─── ANALYSE-BUTTON ─── */
.analyse-btn {
  display: flex; align-items: center; justify-content: center; gap: 0.5rem;
  width: 100%; padding: 0.85rem 1.5rem;
  background: rgba(200,169,81,0.08);
  border: 1px solid rgba(200,169,81,0.3);
  color: var(--accent); border-radius: 8px;
  font-size: 0.875rem; font-weight: 600;
  cursor: pointer; transition: all 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  margin-top: 1.25rem;
}
.analyse-btn:hover {
  background: rgba(200,169,81,0.15);
  border-color: var(--accent);
  transform: translateY(-1px);
}

/* ─── SCROLL FADE-INS ─── */
.fade-item {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ─── STICKY CTA ─── */
#sticky-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 90;
  background: rgba(13,27,42,0.97);
  border-top: 1px solid rgba(200,169,81,0.25);
  backdrop-filter: blur(16px);
  transform: translateY(100%);
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
  padding: 0.9rem 4rem;
}
#sticky-cta.sticky-visible { transform: translateY(0); }

.sticky-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}
.sticky-cta-text {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.sticky-cta-text strong {
  font-size: 0.95rem;
  color: var(--white);
  font-weight: 600;
  white-space: nowrap;
}
.sticky-cta-text span {
  font-size: 0.82rem;
  color: var(--muted);
  white-space: nowrap;
}
.sticky-cta-sep {
  width: 1px; height: 1.2rem;
  background: rgba(255,255,255,0.15);
  flex-shrink: 0;
}
.sticky-cta-actions { display: flex; gap: 0.75rem; flex-shrink: 0; }
.sticky-cta-btn {
  background: var(--accent);
  color: var(--navy);
  border: none; border-radius: 5px;
  padding: 0.6rem 1.5rem;
  font-size: 0.875rem; font-weight: 700;
  cursor: pointer; text-decoration: none;
  transition: background 0.2s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  white-space: nowrap;
}
.sticky-cta-btn:hover { background: var(--gold); }
.sticky-cta-close {
  background: none; border: none;
  color: var(--muted); font-size: 1.1rem;
  cursor: pointer; padding: 0.2rem 0.4rem;
  border-radius: 4px; transition: color 0.2s;
  flex-shrink: 0;
}
.sticky-cta-close:hover { color: var(--white); }

@media (max-width: 1024px) {
  #sticky-cta { padding: 0.9rem 1.5rem; }
  .sticky-cta-text span { display: none; }
  .sticky-cta-sep { display: none; }
}
@media (max-width: 640px) {
  #sticky-cta { padding: 0.75rem 1rem; }
  .sticky-cta-btn { padding: 0.6rem 1rem; font-size: 0.82rem; }
}

/* ─── ROI PDF-BUTTON ─── */
.roi-pdf-btn {
  background: transparent;
  border: 1px solid rgba(200,169,81,0.35);
  color: var(--accent);
  padding: 0.6rem 1.3rem;
  border-radius: 100px;
  font-size: 0.82rem; font-weight: 600;
  cursor: pointer; font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  transition: all 0.2s; white-space: nowrap;
  flex-shrink: 0;
}
.roi-pdf-btn:hover {
  background: rgba(200,169,81,0.1);
  border-color: var(--accent);
}

/* ─── PRINT REPORT (screen: versteckt) ─── */
#roi-print-report { display: none; }

/* ─── @media print ─── */
@media print {
  /* Alles ausblenden außer dem Report */
  body > *:not(#roi-print-report) { display: none !important; }
  #roi-print-report { display: block !important; }

  body {
    background: #fff !important;
    color: #111 !important;
    font-family: 'DM Sans', Arial, sans-serif;
    font-size: 10pt;
  }

  .pr-page { padding: 1.5cm 2cm; max-width: 100%; }

  .pr-header {
    display: flex; justify-content: space-between; align-items: center;
    border-bottom: 2px solid #c8a951;
    padding-bottom: 0.6cm; margin-bottom: 0.6cm;
  }
  .pr-logo {
    font-size: 18pt; font-weight: 400;
    color: #0d1b2a; letter-spacing: -0.5px;
  }
  .pr-logo strong { color: #c8a951; font-weight: 700; }
  .pr-meta { font-size: 9pt; color: #666; }

  .pr-title {
    font-size: 16pt; font-weight: 700;
    color: #0d1b2a; margin-bottom: 0.3cm;
  }
  .pr-params {
    display: flex; gap: 1.5em;
    font-size: 9pt; color: #555;
    margin-bottom: 0.7cm;
  }
  .pr-params span::before { content: '·  '; color: #c8a951; }
  .pr-params span:first-child::before { content: ''; }

  .pr-roi-box {
    background: #f9f5ea;
    border: 2px solid #c8a951;
    border-radius: 6px;
    padding: 0.5cm 0.8cm;
    margin-bottom: 0.6cm;
    page-break-inside: avoid;
  }
  .pr-roi-label { font-size: 8pt; text-transform: uppercase; letter-spacing: 1px; color: #888; }
  .pr-roi-value { font-size: 26pt; font-weight: 700; color: #c8a951; line-height: 1.1; }
  .pr-roi-sub { font-size: 8.5pt; color: #555; margin-top: 0.15cm; }

  .pr-grid4 {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 0.3cm; margin-bottom: 0.6cm;
    page-break-inside: avoid;
  }
  .pr-card {
    border: 1px solid #ddd; border-radius: 4px;
    padding: 0.3cm 0.4cm;
  }
  .pr-card-invest { border-color: #ffcccc; }
  .pr-card-label { font-size: 7.5pt; color: #888; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.1cm; }
  .pr-card-value { font-size: 12pt; font-weight: 700; color: #0d1b2a; }
  .pr-card-invest .pr-card-value { color: #cc4444; }

  .pr-section-title {
    font-size: 10pt; font-weight: 700; color: #0d1b2a;
    border-left: 3px solid #c8a951;
    padding-left: 0.3cm; margin: 0.5cm 0 0.25cm;
    page-break-after: avoid;
  }

  .pr-subtitle {
    font-size: 9pt; font-weight: 700; color: #1e3a5f;
    margin: 0.35cm 0 0.15cm;
    page-break-after: avoid;
  }

  .pr-note {
    font-size: 8pt; color: #555; line-height: 1.5;
    margin: 0 0 0.2cm;
  }

  .pr-table {
    width: 100%; border-collapse: collapse;
    margin-bottom: 0.4cm; font-size: 9pt;
    page-break-inside: avoid;
  }
  .pr-table th {
    background: #f4f0e8; text-align: left;
    padding: 0.15cm 0.3cm; font-size: 8pt;
    text-transform: uppercase; letter-spacing: 0.5px; color: #666;
    border-bottom: 1px solid #ddd;
  }
  .pr-table td {
    padding: 0.18cm 0.3cm;
    border-bottom: 1px solid #eee;
  }
  .pr-table td:last-child { text-align: right; font-weight: 600; }
  .pr-highlight td { background: #f9f5ea; font-weight: 700; color: #0d1b2a; }
  .pr-highlight td:last-child { color: #c8a951; }

  .pr-list {
    margin: 0 0 0.4cm; padding-left: 0.6cm;
    font-size: 9pt; color: #222; line-height: 1.7;
  }

  .pr-footer {
    margin-top: 0.8cm;
    padding-top: 0.4cm;
    border-top: 1px solid #ddd;
    font-size: 7.5pt; color: #888; line-height: 1.6;
  }
  .pr-footer a { color: #c8a951; text-decoration: none; }
}

/* ═══════════════════════════════════════════════════════
   MITARBEITER – Bento-Grid (wide/portrait/wide)
═══════════════════════════════════════════════════════ */
.ma-benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  max-width: 1300px;
  margin: 0 auto;
}
.ma-card {
  border-radius: 16px;
  border: 1px solid rgba(255,255,255,0.07);
  padding: 2.5rem;
  background: linear-gradient(135deg, rgba(255,255,255,0.04), rgba(13,27,42,0.5));
  transition: border-color 0.3s, transform 0.25s;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.ma-card:hover { border-color: rgba(200,169,81,0.25); transform: translateY(-2px); }
.ma-card-wide { grid-column: 1 / -1; }
.ma-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent);
  border: 1px solid rgba(200,169,81,0.3);
  border-radius: 100px;
  padding: 0.25rem 0.9rem;
  margin-bottom: 1.25rem;
  width: fit-content;
}
.ma-card h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 1rem;
  color: var(--white);
}
.ma-card p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.75;
  margin-bottom: 1.25rem;
}
.ma-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  flex: 1;
}
.ma-list li {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.72);
  padding-left: 1.3rem;
  position: relative;
  line-height: 1.5;
}
.ma-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
  font-size: 0.9rem;
}
.ma-card-link {
  display: inline-block;
  color: var(--accent);
  font-size: 0.84rem;
  font-weight: 600;
  text-decoration: none;
  border-bottom: 1px solid rgba(200,169,81,0.3);
  padding-bottom: 2px;
  transition: border-color 0.2s;
  margin-top: auto;
}
.ma-card-link:hover { border-color: var(--accent); }

/* Gesundheit – wide top card */
.ma-card-gesundheit {
  background: linear-gradient(135deg, rgba(61,187,138,0.07), rgba(13,27,42,0.65));
  border-color: rgba(61,187,138,0.18);
}
.ma-card-gesundheit-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 3rem;
  align-items: center;
  width: 100%;
}
.ma-card-left { display: flex; flex-direction: column; }
.ma-quote {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.05rem;
  font-style: italic;
  color: var(--accent);
  border-left: 3px solid rgba(200,169,81,0.6);
  padding-left: 1rem;
  margin: 0.75rem 0 1.25rem;
  line-height: 1.6;
}
.ma-services-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
  margin-bottom: 1.5rem;
}
.ma-service-item {
  display: flex;
  gap: 0.5rem;
  align-items: flex-start;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.4;
}
.ma-service-item span:first-child { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }

/* Health visual rings */
.ma-card-visual { width: 240px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; }
.ma-health-visual { position: relative; width: 200px; height: 200px; }
.ma-health-rings { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; }
.ma-health-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid;
  animation: ringPulse 3s ease-in-out infinite;
}
.ma-health-ring.r1 { width: 100%; height: 100%; border-color: rgba(61,187,138,0.15); animation-delay: 0s; }
.ma-health-ring.r2 { width: 68%; height: 68%; border-color: rgba(61,187,138,0.25); animation-delay: 0.5s; }
.ma-health-ring.r3 { width: 38%; height: 38%; border-color: rgba(61,187,138,0.4); background: rgba(61,187,138,0.07); animation-delay: 1s; }
@keyframes ringPulse {
  0%, 100% { transform: scale(1); opacity: 0.8; }
  50% { transform: scale(1.05); opacity: 1; }
}
.ma-health-center {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  font-size: 2.8rem;
  filter: drop-shadow(0 0 16px rgba(61,187,138,0.5));
}

/* Arbeitskraft – portrait card */
.ma-card-arbeit {
  background: linear-gradient(135deg, rgba(200,169,81,0.05), rgba(13,27,42,0.6));
  border-color: rgba(200,169,81,0.1);
}
.ma-shield-visual {
  display: flex;
  justify-content: center;
  margin-bottom: 1rem;
  filter: drop-shadow(0 4px 16px rgba(200,169,81,0.2));
}

/* Flexibilität – wide bottom card */
.ma-card-flex {
  background: linear-gradient(135deg, rgba(100,140,255,0.04), rgba(13,27,42,0.65));
  border-color: rgba(100,140,255,0.12);
}
.ma-card-flex-inner { display: flex; flex-direction: column; }
.ma-flex-pillars {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
}
.ma-flex-pillar {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  padding: 1rem 0.85rem;
  background: rgba(255,255,255,0.03);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.06);
  transition: border-color 0.2s;
}
.ma-flex-pillar:hover { border-color: rgba(100,140,255,0.2); }
.ma-flex-pillar span:first-child { font-size: 1.5rem; }
.ma-flex-pillar strong { font-size: 0.88rem; color: var(--white); }
.ma-flex-pillar span:last-child { font-size: 0.74rem; color: var(--muted); line-height: 1.4; }

@media (max-width: 1024px) {
  .ma-benefits-grid { grid-template-columns: 1fr; }
  .ma-card-wide { grid-column: 1; }
  .ma-card-gesundheit-inner { grid-template-columns: 1fr; }
  .ma-card-visual { display: none; }
  .ma-flex-pillars { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .ma-services-grid { grid-template-columns: 1fr; }
  .ma-flex-pillars { grid-template-columns: 1fr 1fr; }
  .ma-card { padding: 1.75rem; }
}

/* ═══════════════════════════════════════════════════════
   bAV – Full-width header above calculator
═══════════════════════════════════════════════════════ */
.bav-section-intro {
  max-width: 800px;
  margin: 0 auto 3rem;
  text-align: center;
}
.bav-intro-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  justify-content: center;
  margin-top: 1.5rem;
}
.bav-pill {
  background: rgba(200,169,81,0.1);
  border: 1px solid rgba(200,169,81,0.25);
  border-radius: 100px;
  padding: 0.35rem 1rem;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.8);
  white-space: nowrap;
}
.bav-full-width {
  max-width: 1300px;
  margin: 0 auto;
  width: 100%;
}

/* ═══════════════════════════════════════════════════════
   QUIZ INLINE
═══════════════════════════════════════════════════════ */
#quiz-trigger {
  padding: 5rem 4rem;
  background: var(--deep);
}
.quiz-inline-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 3rem;
}
.quiz-inline-header h2 { margin-bottom: 0.75rem; }
.quiz-inline-header p { color: var(--muted); }
#quiz-trigger #quiz-content {
  max-width: 860px;
  margin: 0 auto;
  background: linear-gradient(135deg, var(--mid), var(--deep));
  border: 1px solid rgba(200,169,81,0.15);
  border-radius: 20px;
  overflow: hidden;
}

/* ═══════════════════════════════════════════════════════
   ROI TABS – primary prominent, secondary smaller
═══════════════════════════════════════════════════════ */
.roi-tab-primary {
  font-size: 0.92rem;
  padding: 0.65rem 1.5rem;
  font-weight: 600;
}
.roi-tab-secondary {
  font-size: 0.78rem;
  padding: 0.45rem 0.9rem;
  opacity: 0.85;
}
.roi-tab-secondary.active { opacity: 1; }

/* ═══════════════════════════════════════════════════════
   ÜBER MICH
═══════════════════════════════════════════════════════ */
.ueber-mich-section {
  background: var(--deep);
  padding: 6rem 4rem;
}
.ueber-mich-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 5rem;
  align-items: center;
}
.ueber-mich-facts {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin: 2rem 0;
}
.um-fact {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1rem 1.25rem;
  background: rgba(255,255,255,0.03);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.05);
  transition: border-color 0.2s;
}
.um-fact:hover { border-color: rgba(200,169,81,0.2); }
.um-fact-icon { font-size: 1.4rem; flex-shrink: 0; }
.um-fact strong { display: block; color: var(--white); font-size: 0.93rem; margin-bottom: 0.2rem; }
.um-fact span { font-size: 0.8rem; color: var(--muted); line-height: 1.5; }
.um-portrait-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1rem;
  text-align: center;
}
.um-portrait-circle {
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--mid), var(--deep));
  border: 2px solid rgba(200,169,81,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 60px rgba(200,169,81,0.1);
  margin-bottom: 0.5rem;
}
.um-portrait-name {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.3rem;
  font-weight: 700;
}
.um-portrait-title { font-size: 0.82rem; color: var(--muted); }
.um-portrait-badge {
  background: rgba(200,169,81,0.1);
  border: 1px solid rgba(200,169,81,0.3);
  border-radius: 100px;
  padding: 0.3rem 1rem;
  font-size: 0.78rem;
  color: var(--accent);
}
@media (max-width: 900px) {
  .ueber-mich-section { padding: 4rem 2rem; }
  .ueber-mich-inner { grid-template-columns: 1fr; gap: 3rem; }
  .ueber-mich-right { display: none; }
}

/* ═══════════════════════════════════════════════════════
   TERMINBUCHUNG
═══════════════════════════════════════════════════════ */
.termin-section {
  background: var(--navy);
  padding: 6rem 4rem;
}
.termin-inner { max-width: 900px; margin: 0 auto; }
.termin-header { text-align: center; margin-bottom: 3rem; }
.termin-embed { min-height: 420px; }
.termin-placeholder {
  border: 2px dashed rgba(200,169,81,0.2);
  border-radius: 16px;
  padding: 4rem 2rem;
  text-align: center;
  background: rgba(200,169,81,0.02);
}
.termin-placeholder-icon { font-size: 3.5rem; margin-bottom: 1.25rem; }
.termin-placeholder h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.4rem;
  margin-bottom: 1rem;
}
.termin-placeholder p { font-size: 0.88rem; color: var(--muted); max-width: 480px; margin: 0 auto 0.75rem; line-height: 1.7; }
.termin-placeholder code {
  background: rgba(255,255,255,0.08);
  border-radius: 4px;
  padding: 0.15rem 0.4rem;
  font-size: 0.8rem;
  color: var(--accent);
}
@media (max-width: 768px) {
  .termin-section { padding: 4rem 2rem; }
  .ueber-mich-section { padding: 4rem 2rem; }
}

/* ═══════════════════════════════════════════════════════
   HERO CTA ROW
═══════════════════════════════════════════════════════ */
.hero-cta-row {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}
.hero-cta-btn {
  display: inline-block;
  background: var(--accent);
  color: var(--navy);
  padding: 0.85rem 2rem;
  border-radius: 4px;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s;
}
.hero-cta-btn:hover { background: var(--gold); transform: translateY(-1px); }
.hero-cta-link {
  color: rgba(255,255,255,0.65);
  font-size: 0.88rem;
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,0.2);
  padding-bottom: 2px;
  transition: color 0.2s, border-color 0.2s;
}
.hero-cta-link:hover { color: var(--white); border-color: var(--white); }

/* ═══════════════════════════════════════════════════════
   BENEFITS ALS PROBLEMLÖSER
═══════════════════════════════════════════════════════ */
.problemloeser-section {
  background: var(--navy);
  padding: 6rem 4rem;
}
.pbl-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 4rem;
}
.pbl-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  max-width: 1300px;
  margin: 0 auto;
}
.pbl-card {
  background: linear-gradient(160deg, rgba(255,255,255,0.04), rgba(13,27,42,0.6));
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 16px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  transition: border-color 0.3s, transform 0.25s;
}
.pbl-card:hover { border-color: rgba(200,169,81,0.25); transform: translateY(-3px); }
.pbl-problem {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: #ff8888;
  margin-bottom: 0.75rem;
}
.pbl-icon { font-size: 2.2rem; margin-bottom: 0.75rem; }
.pbl-card h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.1rem;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 0.75rem;
  color: var(--white);
}
.pbl-card > p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.65;
  margin-bottom: 1rem;
  flex: 1;
}
.pbl-arrow {
  text-align: center;
  font-size: 1.4rem;
  color: var(--accent);
  margin: 0.5rem 0;
  opacity: 0.6;
}
.pbl-solution {
  background: rgba(200,169,81,0.07);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 10px;
  padding: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.pbl-solution-label {
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--success);
}
.pbl-solution strong {
  font-size: 0.88rem;
  color: var(--accent);
  display: block;
}
.pbl-solution span {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.55;
}
.pbl-cta {
  text-align: center;
  margin-top: 3rem;
}

/* Positive variant (replaces problem/solution layout) */
.pbl-card-positive {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.pbl-card-positive .pbl-problem,
.pbl-card-positive .pbl-arrow,
.pbl-card-positive .pbl-solution { display: none; }

.pbl-pos-icon {
  font-size: 2.4rem;
  margin-bottom: 1rem;
}
.pbl-card-positive h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.15rem;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 0.85rem;
  color: var(--white);
  flex: 1;
}
.pbl-card-positive > p {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin-bottom: 1.25rem;
  flex: 1;
}
.pbl-metric-bar {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  background: rgba(200,169,81,0.08);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 8px;
  padding: 0.75rem 1rem;
  margin-top: auto;
}
.pbl-metric-num {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
}
.pbl-metric-label {
  font-size: 0.74rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.4;
}
@media (max-width: 1024px) {
  .pbl-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .problemloeser-section { padding: 4rem 2rem; }
  .pbl-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════
   GESUNDHEIT KARTE – zweiteilig
═══════════════════════════════════════════════════════ */
.ma-quote-top {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.05rem;
  font-style: italic;
  color: var(--accent);
  text-align: center;
  border: none;
  padding: 0.5rem 2rem 1.5rem;
  margin: 0 0 1.5rem;
  opacity: 0.9;
  line-height: 1.6;
}
.ma-gesundheit-two-col {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 2.5rem;
  align-items: start;
}
.ma-gesundheit-divider {
  width: 1px;
  background: rgba(255,255,255,0.1);
  align-self: stretch;
  min-height: 200px;
}
.ma-gesundheit-block { display: flex; flex-direction: column; }
.ma-gesundheit-block h3 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.25rem;
  font-weight: 700;
  margin: 1rem 0 0.75rem;
  line-height: 1.3;
}
.ma-gesundheit-block > p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}
.ma-services-list { display: flex; flex-direction: column; gap: 0.85rem; }
.ma-svc {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
}
.ma-svc-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  width: 1.8rem;
  text-align: center;
}
.ma-svc strong {
  display: block;
  font-size: 0.88rem;
  color: var(--white);
  margin-bottom: 0.2rem;
}
.ma-svc span {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.5;
}
.ma-kosten-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
  margin-top: 0.25rem;
}
.ma-kosten-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 8px;
  padding: 0.6rem 0.75rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.35;
  transition: border-color 0.2s;
}
.ma-kosten-item:hover { border-color: rgba(200,169,81,0.2); }
.ma-kosten-item span:first-child { font-size: 1.1rem; flex-shrink: 0; }
@media (max-width: 1100px) {
  .ma-gesundheit-two-col { grid-template-columns: 1fr; }
  .ma-gesundheit-divider { display: none; }
  .ma-kosten-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .ma-kosten-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════
   BETRIEB – 3er-Grid + Analyse-Hinweis
═══════════════════════════════════════════════════════ */
.betrieb-grid-3 { grid-template-columns: repeat(3, 1fr) !important; }
.betrieb-analyse-hint {
  margin-top: 1.25rem;
  padding: 0.85rem 1.25rem;
  background: rgba(61,187,138,0.07);
  border: 1px solid rgba(61,187,138,0.2);
  border-radius: 10px;
  font-size: 0.84rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.6;
}
.betrieb-analyse-hint strong { color: var(--success); }
@media (max-width: 1024px) {
  .betrieb-grid-3 { grid-template-columns: 1fr 1fr !important; }
}
@media (max-width: 640px) {
  .betrieb-grid-3 { grid-template-columns: 1fr !important; }
}

/* ═══════════════════════════════════════════════════════
   QUIZ FREITEXT
═══════════════════════════════════════════════════════ */
.quiz-freitext-wrap {
  margin-top: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.quiz-freitext-label {
  font-size: 0.8rem;
  color: var(--muted);
  font-weight: 500;
}
.quiz-freitext {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 0.75rem 1rem;
  color: var(--white);
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-size: 0.88rem;
  resize: vertical;
  min-height: 60px;
  transition: border-color 0.2s;
  width: 100%;
}
.quiz-freitext:focus {
  outline: none;
  border-color: rgba(200,169,81,0.5);
}
.quiz-freitext::placeholder { color: rgba(255,255,255,0.3); }

/* Zahlen-Eingabe (genaue Mitarbeiterzahl / Ø-Gehalt) */
.quiz-number-wrap {
  margin: 1.25rem auto 0;
  max-width: 360px;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}
.quiz-number-input {
  flex: 1;
  min-width: 0;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 10px;
  padding: 0.85rem 1rem;
  color: var(--white);
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-size: 1.25rem;
  font-weight: 600;
  text-align: right;
  transition: border-color 0.2s;
}
.quiz-number-input:focus {
  outline: none;
  border-color: rgba(200,169,81,0.55);
}
.quiz-number-input::placeholder { color: rgba(255,255,255,0.3); font-weight: 400; }
/* Spinner dezent halten */
.quiz-number-input::-webkit-outer-spin-button,
.quiz-number-input::-webkit-inner-spin-button { opacity: 0.4; }
.quiz-number-unit {
  font-size: 0.9rem;
  color: var(--muted);
  white-space: nowrap;
  font-weight: 500;
}

/* ═══════════════════════════════════════════════════════
   ZUSAMMENFASSUNG
═══════════════════════════════════════════════════════ */
.zusammenfassung-section {
  background: var(--deep);
  padding: 6rem 4rem;
}
.zf-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 3.5rem;
}
.zf-kaufbestaetigung {
  max-width: 1200px;
  margin: 0 auto 3rem;
  padding: 2rem 2.5rem;
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 20px;
}
.zf-kb-intro { margin-bottom: 1.5rem; }
.zf-kb-title {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: var(--white);
}
.zf-quiz-motive-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  min-height: 0;
}
.zf-motive-badge {
  background: rgba(200,169,81,0.12);
  border: 1px solid rgba(200,169,81,0.3);
  border-radius: 100px;
  padding: 0.3rem 0.9rem;
  font-size: 0.8rem;
  color: var(--accent);
}
.zf-motive-free {
  background: rgba(61,187,138,0.08);
  border-color: rgba(61,187,138,0.25);
  color: var(--success);
}
.zf-vorteile-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.zf-vorteil {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
}
.zf-v-icon { font-size: 1.2rem; flex-shrink: 0; }
.zf-vorteil strong {
  display: block;
  font-size: 0.85rem;
  color: var(--white);
  margin-bottom: 0.2rem;
}
.zf-vorteil span {
  font-size: 0.77rem;
  color: var(--muted);
  line-height: 1.5;
}
.zf-dashboard {
  max-width: 1200px;
  margin: 0 auto 2rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.zf-rechner-block {
  background: rgba(255,255,255,0.025);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 1.75rem;
}
.zf-rechner-title {
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.zf-kpi-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}
.zf-kpi {
  padding: 0.85rem;
  background: rgba(255,255,255,0.03);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.06);
}
.zf-hl {
  background: rgba(200,169,81,0.07);
  border-color: rgba(200,169,81,0.2);
}
.zf-kpi-label {
  font-size: 0.7rem;
  color: var(--muted);
  margin-bottom: 0.4rem;
  line-height: 1.3;
}
.zf-kpi-val {
  font-size: 1.1rem;
  font-weight: 700;
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  color: var(--white);
}
.zf-neg { color: #ff8888; }
.zf-pos { color: var(--success); }
.zf-acc { color: var(--accent); }
.zf-gold { color: var(--gold); }
.zf-hint {
  max-width: 1200px;
  margin: 0 auto 2.5rem;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.25);
  text-align: center;
  line-height: 1.6;
}
.zf-disclaimer {
  max-width: 1000px;
  margin: 0 auto 2.5rem;
  padding: 1rem 1.5rem;
  background: rgba(200,169,81,0.06);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 10px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.65;
}
.zf-disclaimer strong { color: rgba(255,255,255,0.8); }
.zf-disclaimer a { color: var(--accent); text-decoration: underline; }
.zf-disclaimer a:hover { color: var(--gold); }
.zf-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
  max-width: 900px;
  margin: 0 auto;
}
.zf-print-btn {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  padding: 0.75rem 1.5rem;
  color: rgba(255,255,255,0.8);
  font-size: 0.88rem;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
  font-family: inherit;
}
.zf-print-btn:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.25);
}
.zf-save-btn {
  background: rgba(61,187,138,0.1);
  border: 1px solid rgba(61,187,138,0.35);
  border-radius: 8px;
  padding: 0.75rem 1.5rem;
  color: #6fe0b4;
  font-size: 0.88rem;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s, transform 0.2s;
  font-family: inherit;
}
.zf-save-btn:hover {
  background: rgba(61,187,138,0.18);
  border-color: rgba(61,187,138,0.6);
  transform: translateY(-1px);
}
@media (max-width: 1024px) {
  .zusammenfassung-section { padding: 4rem 2rem; }
  .zf-dashboard { grid-template-columns: 1fr; }
  .zf-vorteile-grid { grid-template-columns: 1fr 1fr; }
  .zf-kpi-row { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .zf-vorteile-grid { grid-template-columns: 1fr; }
  .zf-kpi-row { grid-template-columns: 1fr; }
  .zf-actions { flex-direction: column; }
}

/* ═══════════════════════════════════════════════════════
   bAV GRUPPE – AG-Sicht prominent
═══════════════════════════════════════════════════════ */
.bav-group-section.ag {
  background: rgba(200,169,81,0.06);
  border-left: 3px solid rgba(200,169,81,0.5);
}
.bav-group-section.ag .bav-group-section-title {
  color: var(--accent);
  font-weight: 700;
}
.bav-group-section.ag .bav-group-row.hl span:last-child {
  font-size: 1.05rem;
}

/* ═══════════════════════════════════════════════════════
   ROI RECHNER – neue Gesamtübersicht
═══════════════════════════════════════════════════════ */

/* 2×2 Top-Kennzahlen */
.roi-top-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
  margin-bottom: 1.25rem;
}
.roi-top-card {
  border-radius: 12px;
  padding: 1.1rem 1.25rem;
  border: 1px solid rgba(255,255,255,0.08);
  background: rgba(255,255,255,0.03);
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}
.roi-top-nutzen { border-color: rgba(61,187,138,0.25); background: rgba(61,187,138,0.05); }
.roi-top-netto  { border-color: rgba(200,169,81,0.25); background: rgba(200,169,81,0.05); }
.roi-top-invest { /* neutral – no red */ }
.roi-top-roi    { border-color: rgba(232,201,106,0.25); background: rgba(232,201,106,0.04); }
.roi-top-label {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--muted);
}
.roi-top-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.65rem;
  font-weight: 700;
  line-height: 1;
}
.roi-top-val.pos  { color: var(--success); }
.roi-top-val.acc  { color: var(--accent); }
.roi-top-val.gold { color: var(--gold); }
.roi-top-hint {
  font-size: 0.7rem;
  color: var(--muted);
  line-height: 1.4;
}

/* 4-Komponenten-Karten */
.roi-comp-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.65rem;
  margin-bottom: 1.25rem;
}
.roi-comp-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 10px;
  padding: 0.85rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  transition: border-color 0.2s;
}
.roi-comp-card:hover { border-color: rgba(200,169,81,0.2); }
.roi-comp-icon { font-size: 1.4rem; }
.roi-comp-label {
  font-size: 0.68rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.7px;
  font-weight: 600;
}
.roi-comp-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.1rem;
  font-weight: 700;
}
.roi-comp-val.pos { color: var(--success); }

/* Netto-Vorteil je MA Box */
.roi-netto-ma-box {
  background: rgba(200,169,81,0.07);
  border: 1px solid rgba(200,169,81,0.2);
  border-radius: 12px;
  padding: 1.1rem 1.25rem;
  margin-top: 0.25rem;
}
.roi-netto-ma-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.roi-netto-ma-text { flex: 1; }
.roi-netto-ma-title {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent);
  margin-bottom: 0.5rem;
}
.roi-netto-ma-example {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.55;
}
.roi-netto-ma-example strong { color: rgba(255,255,255,0.85); }
.roi-netto-ma-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.9rem;
  font-weight: 700;
  color: var(--accent);
  white-space: nowrap;
  flex-shrink: 0;
}
.roi-netto-ma-box-total {
  background: linear-gradient(135deg, rgba(61,187,138,0.10), rgba(13,27,42,0.4));
  border-color: rgba(61,187,138,0.35);
}
.roi-netto-ma-box-total .roi-netto-ma-title { color: var(--success); }
.roi-netto-ma-box-total .roi-netto-ma-val { color: var(--success); }

/* Grafische Trennung AG-Belegschaft → Mitarbeitersicht (ROI) */
.roi-perspektive-divider {
  display: flex;
  align-items: center;
  text-align: center;
  margin: 1.5rem 0 1rem;
}
.roi-perspektive-divider::before,
.roi-perspektive-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(200,169,81,0.4), transparent);
}
.roi-perspektive-divider span {
  padding: 0 1.1rem;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.4px;
  color: var(--accent);
  white-space: nowrap;
}

/* Schritt-Badge im bKV-Mehrwert-Panel (① Budget / ② Services) */
.bkv-zone-step {
  display: inline-block;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  color: var(--accent);
  background: rgba(200,169,81,0.12);
  border: 1px solid rgba(200,169,81,0.3);
  border-radius: 20px;
  padding: 0.15rem 0.7rem;
  margin-bottom: 0.5rem;
}

/* Wahrgenommener Mehrwert Box (gerendert von JS) */
.bkv-wahr-box {
  background: linear-gradient(135deg, rgba(61,187,138,0.06), rgba(13,27,42,0.4));
  border: 1px solid rgba(61,187,138,0.2);
  border-radius: 12px;
  padding: 1.25rem;
  margin-top: 1rem;
}
.bkv-wahr-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--success);
  margin-bottom: 1rem;
}
.bkv-wahr-compare {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 1rem;
  align-items: center;
  margin-bottom: 0.85rem;
}
.bkv-wahr-vs-label {
  font-size: 0.7rem;
  color: var(--muted);
  margin-bottom: 0.4rem;
}
.bkv-wahr-vs-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--muted);
}
.bkv-wahr-total {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 2rem;
  font-weight: 700;
  line-height: 1;
}
.bkv-wahr-vs-hint {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.4);
  margin-top: 0.25rem;
  line-height: 1.35;
}
.bkv-wahr-vs-arrow {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--muted);
  background: rgba(255,255,255,0.06);
  border-radius: 100px;
  padding: 0.3rem 0.6rem;
  text-align: center;
}
.bkv-wahr-faktor {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  border-top: 1px solid rgba(255,255,255,0.07);
  padding-top: 0.75rem;
}
.bkv-wahr-faktor strong { color: var(--success); }

@media (max-width: 900px) {
  .roi-top-grid   { grid-template-columns: 1fr 1fr; }
  .roi-comp-grid  { grid-template-columns: 1fr 1fr; }
  .roi-netto-ma-inner { flex-direction: column; text-align: center; }
  .bkv-wahr-compare { grid-template-columns: 1fr; text-align: center; }
  .bkv-wahr-vs-arrow { display: none; }
}

/* ═══════════════════════════════════════════════════════
   bKV RECHNER – basisstyle override (top/bottom)
═══════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .roi-inputs { grid-template-columns: 1fr; }
  .roi-inputs h3, .roi-inputs .sub { grid-column: 1; }
}

/* ═══════════════════════════════════════════════════════
   bAV – AG-SICHT PROMINENT BOX
═══════════════════════════════════════════════════════ */
.bav-ag-box {
  background: linear-gradient(135deg, rgba(200,169,81,0.1), rgba(200,169,81,0.04));
  border: 1px solid rgba(200,169,81,0.35);
  border-radius: 10px;
  margin: 0.75rem 0.75rem 0;
  padding: 1rem 1rem 0.85rem;
}
.bav-ag-box-title {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--accent);
  margin-bottom: 0.75rem;
}
.bav-ag-calc {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  margin-bottom: 0.5rem;
}
.bav-ag-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.15rem 0;
}
.bav-ag-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
}
.bav-ag-saving .bav-ag-label {
  padding-left: 0.75rem;
  font-size: 0.78rem;
}
.bav-ag-val {
  font-size: 0.88rem;
  font-weight: 600;
}
.bav-ag-acc { color: var(--accent); }
.bav-ag-pos { color: var(--success); }

.bav-ag-invest-line {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(200,169,81,0.15);
  border: 1px solid rgba(200,169,81,0.3);
  border-radius: 7px;
  padding: 0.6rem 0.85rem;
  margin-top: 0.4rem;
}
.bav-ag-invest-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
}
.bav-ag-invest-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--accent);
}
.bav-ag-info-box {
  font-size: 0.72rem;
  color: var(--success);
  text-align: right;
  margin-top: 0.35rem;
  font-weight: 600;
}

.bav-ma-divider {
  font-size: 0.62rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--muted);
  text-align: center;
  padding: 0.65rem 0.5rem 0.4rem;
  opacity: 0.7;
}

/* Per-Gruppe AG-Eingaben (Zuschuss % + Festbetrag) hervorheben */
.bav-input-row.bav-ag-input .bav-input-label { color: var(--accent); }
/* Per-Gruppe AN-Eingabe (Grenzsteuersatz) */
.bav-input-row.bav-an-input .bav-input-label { color: var(--success); }
.bav-input-row.bav-an-input .bav-input-label[title] { cursor: help; }
/* AN-Karten (Mitarbeiter-Mehrwert je Gruppe) optisch leicht abheben */
.bav-group-card-an { border-color: rgba(61,187,138,0.18); }

/* ══ AG-GESAMTÜBERSICHT ══ */
.bav-agtot-box {
  background: linear-gradient(135deg, rgba(200,169,81,0.13), rgba(200,169,81,0.04));
  border: 1.5px solid rgba(200,169,81,0.4);
  border-radius: 14px;
  padding: 1.4rem 1.5rem;
  margin: 1.5rem 0 0;
}
.bav-agtot-head {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-bottom: 1.1rem;
}
.bav-agtot-icon { font-size: 1.8rem; line-height: 1; }
.bav-agtot-title {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--accent);
}
.bav-agtot-sub { font-size: 0.78rem; color: rgba(255,255,255,0.6); margin-top: 0.15rem; }
.bav-agtot-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
}
.bav-agtot-cell {
  background: rgba(13,27,42,0.45);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px;
  padding: 0.85rem 1rem;
}
.bav-agtot-cell-net {
  background: rgba(200,169,81,0.1);
  border-color: rgba(200,169,81,0.45);
}
.bav-agtot-cell-label {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--muted);
  margin-bottom: 0.4rem;
}
.bav-agtot-cell-val {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: #fff;
}
.bav-agtot-cell-val.pos { color: var(--success); }
.bav-agtot-cell-val.acc { color: var(--accent); }
.bav-agtot-cell-sub { font-size: 0.72rem; color: rgba(255,255,255,0.5); margin-top: 0.2rem; }
.bav-agtot-grid-pool {
  grid-template-columns: repeat(3, 1fr);
  margin-top: 0.75rem;
  padding-top: 0.9rem;
  border-top: 1px dashed rgba(200,169,81,0.25);
}

/* Grafische Trennung AG → AN */
.bav-perspektive-divider {
  display: flex;
  align-items: center;
  text-align: center;
  margin: 2rem 0 1.25rem;
}
.bav-perspektive-divider::before,
.bav-perspektive-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(61,187,138,0.4), transparent);
}
.bav-perspektive-divider span {
  padding: 0 1.25rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: var(--success);
  white-space: nowrap;
}
@media (max-width: 720px) {
  .bav-agtot-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ── Mitgliederbereich: Abmelden-Button ── */
.member-logout{
  position:fixed; top:12px; right:12px; z-index:99999;
  background:rgba(13,27,42,0.85); border:1px solid rgba(200,169,81,0.4);
  color:var(--accent); padding:0.4rem 0.9rem; border-radius:20px;
  font-size:0.8rem; text-decoration:none; backdrop-filter:blur(8px);
  transition:background 0.2s;
}
.member-logout:hover{ background:var(--accent); color:#0d1b2a; }

/* ════════════════════════════════════════════════════════════════
   PLATTFORM – Zielgruppen-Wahl, Module, Benefit-Welten
   ════════════════════════════════════════════════════════════════ */

/* Zielgruppen-Wahl (Startseite) */
.zielgruppen-wahl{ padding:4rem 2rem 6rem; max-width:1100px; margin:0 auto; }
.zg-grid{ display:grid; grid-template-columns:1fr 1fr; gap:2rem; }
.zg-card{ display:block; text-decoration:none; color:inherit; padding:2.5rem;
  background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.1);
  border-radius:16px; transition:transform .2s, border-color .2s, background .2s; }
.zg-card:hover{ transform:translateY(-4px); border-color:var(--accent); background:rgba(255,255,255,0.06); }
.zg-icon{ font-size:2.6rem; margin-bottom:1rem; }
.zg-card h2{ font-family:'Playfair Display',serif; font-size:1.6rem; margin-bottom:0.6rem; }
.zg-card p{ color:rgba(255,255,255,0.7); line-height:1.6; font-size:0.95rem; }
.zg-link{ display:inline-block; margin-top:1.2rem; color:var(--accent); font-weight:700; font-size:0.9rem; }
.zg-an:hover{ border-color:var(--success); }
.zg-an .zg-link{ color:var(--success); }

/* Bereichs-Hero (AG/AN Unterseiten) */
.bereich-hero{ position:relative; padding:2.5rem 2rem 4rem; overflow:hidden; }
.bereich-hero .hero-content{ position:relative; margin:0 auto; text-align:center; }
.bereich-hero h1{ font-family:'Playfair Display',serif; font-size:2.6rem; line-height:1.15; margin:1rem 0; }
.bereich-hero em{ color:var(--accent); font-style:normal; }
.an-hero em{ color:var(--success); }

/* Modul-Karten (AG-Bereich) */
.module-section{ padding:2rem 2rem 6rem; max-width:1100px; margin:0 auto; }
.module-grid{ display:grid; grid-template-columns:1fr 1fr; gap:1.5rem; }
.modul-card{ display:block; text-decoration:none; color:inherit; padding:2rem;
  background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.1); border-radius:14px; }
.modul-on{ transition:transform .2s, border-color .2s; }
.modul-on:hover{ transform:translateY(-3px); border-color:var(--accent); }
.modul-off{ opacity:0.55; }
.modul-icon{ font-size:2rem; margin-bottom:0.8rem; }
.modul-card h3{ font-family:'Playfair Display',serif; font-size:1.3rem; margin-bottom:0.5rem; }
.modul-card p{ color:rgba(255,255,255,0.65); font-size:0.9rem; line-height:1.55; }
.modul-link{ display:inline-block; margin-top:1rem; color:var(--accent); font-weight:700; font-size:0.85rem; }
.modul-hint{ display:inline-block; margin-top:1rem; color:var(--muted,rgba(255,255,255,0.4)); font-size:0.8rem; }
.modul-lock{ font-size:0.9rem; }

/* Info-Seiten (Projektierung/Umsetzung/Services) */
.info-section{ padding:2rem 2rem 6rem; }
.info-inner{ max-width:760px; margin:0 auto; }
.info-inner h2{ font-family:'Playfair Display',serif; font-size:1.6rem; margin-bottom:1rem; color:var(--accent); }
.info-list{ list-style:none; padding:0; }
.info-list li{ padding:0.7rem 0 0.7rem 1.8rem; position:relative; color:rgba(255,255,255,0.8); line-height:1.5;
  border-bottom:1px solid rgba(255,255,255,0.07); }
.info-list li::before{ content:'✓'; position:absolute; left:0; color:var(--success); font-weight:700; }
.info-cta{ margin-top:1.5rem; color:rgba(255,255,255,0.65); }
.info-cta a{ color:var(--accent); }

/* Benefit-Welten (AN-Bereich) */
.welten-section{ padding:2rem 2rem 6rem; max-width:1100px; margin:0 auto; }
.welten-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:1.5rem; }
.welt-card{ padding:1.8rem; background:rgba(255,255,255,0.04);
  border:1px solid rgba(255,255,255,0.1); border-radius:14px; transition:transform .2s, border-color .2s; }
.welt-card:hover{ transform:translateY(-3px); border-color:var(--success); }
.welt-icon{ font-size:2.2rem; margin-bottom:0.8rem; }
.welt-card h3{ font-family:'Playfair Display',serif; font-size:1.2rem; margin-bottom:0.5rem; }
.welt-card p{ color:rgba(255,255,255,0.65); font-size:0.88rem; line-height:1.55; }
.welten-cta{ text-align:center; margin-top:3rem; }
.welten-cta p{ color:rgba(255,255,255,0.7); max-width:600px; margin:0 auto 1rem; }
.welten-soon{ display:inline-block; padding:0.6rem 1.4rem; border:1px dashed var(--success);
  border-radius:30px; color:var(--success); font-size:0.85rem; font-weight:600; }
.nav-links a.active{ color:var(--accent); }

@media (max-width:768px){
  .zg-grid,.module-grid,.welten-grid{ grid-template-columns:1fr; }
  .bereich-hero h1{ font-size:2rem; }
}

/* Werkzeug-Karten (Umsetzung) */
.tool-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:1.2rem; margin-top:1rem; }
.tool-card{ padding:1.4rem; background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.1);
  border-radius:12px; }
.tool-icon{ font-size:1.8rem; margin-bottom:0.5rem; }
.tool-card h3{ font-family:'Playfair Display',serif; font-size:1.1rem; margin-bottom:0.4rem; }
.tool-card p{ color:rgba(255,255,255,0.65); font-size:0.85rem; line-height:1.5; }
.tool-card code{ background:rgba(0,0,0,0.3); padding:0.1rem 0.35rem; border-radius:4px; font-size:0.8em; color:var(--accent); }
@media (max-width:768px){ .tool-grid{ grid-template-columns:1fr; } }

/* Hinweis "angemeldet als ..." im Analyse-Anforderungsformular */
.form-loggedin-note{
  background:rgba(61,187,138,0.1); border:1px solid rgba(61,187,138,0.3);
  border-radius:8px; padding:0.7rem 1rem; margin-bottom:1rem;
  font-size:0.85rem; color:#7fe0bb; line-height:1.5;
}
.form-loggedin-note strong{ color:#fff; }

/* ════════════════════════════════════════════════════════════════
   NEUE MEHRSTUFIGE NAVIGATION (.site-nav)  – stetig sichtbar
   ════════════════════════════════════════════════════════════════ */
.site-nav{
  position:fixed; top:0; left:0; right:0; z-index:100;
  background:rgba(13,27,42,0.95); backdrop-filter:blur(12px);
  border-bottom:1px solid rgba(200,169,81,0.15);
}
.site-nav.scrolled .nav-main{ padding-top:0.6rem; padding-bottom:0.6rem; }

/* Zeile 1 */
.nav-main{
  position:relative;
  display:flex; align-items:center; gap:1.5rem;
  padding:1rem 2.5rem; transition:padding .3s;
}
.nav-main .logo{ font-family:'Playfair Display',serif; font-size:1.4rem; font-weight:700;
  color:#fff; text-decoration:none; letter-spacing:-0.5px; white-space:nowrap; }
.nav-main .logo span{ color:var(--accent); }

.nav-right{ margin-left:auto; display:flex; align-items:center; gap:1rem; }
.nav-admin{ color:var(--muted,rgba(255,255,255,0.6)); text-decoration:none; font-size:0.8rem;
  font-weight:600; white-space:nowrap; }
.nav-admin:hover,.nav-admin.active{ color:var(--accent); }
.nav-identity{
  display:flex; align-items:center; gap:.35rem;
  font-size:.78rem; color:rgba(255,255,255,.45); white-space:nowrap;
}
.nav-identity-role{
  background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.18);
  border-radius:20px; padding:.1rem .45rem; font-size:.7rem;
  color:var(--accent,#f8b941); font-weight:600; white-space:nowrap;
}
@media (max-width:880px){ .nav-identity{ display:none; } }
.site-nav .nav-cta{
  background:var(--accent); color:var(--navy,#0d1b2a); padding:0.55rem 1.3rem; border-radius:4px;
  font-weight:600; font-size:0.85rem; text-decoration:none; white-space:nowrap;
  border:none; cursor:pointer; font-family:inherit;
}
.site-nav .nav-cta:hover{ background:var(--gold,#e8c96a); }

/* Zeile 2 – Unterpunkte als Pill-Reihe (klar untergeordnet) */
.nav-sub{
  display:flex; align-items:center; gap:0.5rem; flex-wrap:wrap;
  padding:0.45rem 2.5rem; background:rgba(0,0,0,0.28);
  border-top:1px solid rgba(255,255,255,0.06);
}
.nav-ebene2{ display:flex; gap:0.5rem; flex-wrap:wrap; }
.nav2-item{
  color:rgba(255,255,255,0.72); text-decoration:none; font-size:0.82rem; font-weight:500;
  padding:0.35rem 0.95rem; border-radius:20px; transition:all .2s; white-space:nowrap;
  border:1px solid rgba(255,255,255,0.18); background:rgba(255,255,255,0.05);
}
.nav2-item:hover{ background:rgba(255,255,255,0.10); color:#fff; border-color:rgba(255,255,255,0.35); }
.nav2-item.active{ background:var(--accent); color:var(--navy,#0d1b2a); border-color:var(--accent); font-weight:600; }
.nav2-item.locked{ color:rgba(255,255,255,0.3); cursor:not-allowed; border-style:dashed; background:transparent; }

/* Zeile 3 – Sprungmarken als kleinere Pills (kein Fill, transparenterer Rand) */
.nav-sub3{ padding:0.25rem 2.5rem; background:rgba(0,0,0,0.15); border-top:1px solid rgba(255,255,255,0.05); }
.nav-ebene3{ display:flex; gap:0.4rem; flex-wrap:wrap; }
.nav3-item{
  color:rgba(255,255,255,0.48); text-decoration:none; font-size:0.75rem; font-weight:400;
  padding:0.15rem 0.65rem; border-radius:20px; white-space:nowrap;
  border:1px solid rgba(255,255,255,0.14); background:transparent;
  transition:all .2s; position:relative;
}
.nav3-item:hover{ color:rgba(255,255,255,0.85); border-color:rgba(255,255,255,0.3); }
.nav3-item.active{ color:var(--accent); border-color:rgba(248,185,65,0.5); }
.nav3-item.active{ color:var(--accent); }

/* Abstand, damit die mehrzeilige fixe Navigation den Inhalt nicht überdeckt.
   Wir reservieren oben Platz per scroll-margin + einem Spacer am Body-Anfang.
   .site-nav ist fixed; der nachfolgende Inhalt bekommt definierten Abstand. */
.site-nav ~ section:first-of-type,
.site-nav + section,
.site-nav + div{ margin-top:9.5rem; }
/* Anker-Sprünge (Ebene-3) sollen nicht unter der Nav landen */
section[id]{ scroll-margin-top:10rem; }

/* Mobil: Nav dauerhaft sichtbar – kein Hamburger */
@media (max-width:880px){
  .hamburger{ display:none; }
  .site-nav .nav-admin{ display:none; }
  .nav-main{ padding:0.7rem 1rem; }
  .nav-sub{ padding:0.3rem 0.75rem; justify-content:center; }
  .nav-sub3{ padding:0.18rem 0.75rem; justify-content:center; }
  .nav-ebene2{ justify-content:center; flex-wrap:wrap; }
  .nav-ebene3{ justify-content:center; flex-wrap:wrap; }
  /* Fixe Nav ist 3 Zeilen hoch (~8rem) → Inhalte entsprechend einrücken */
  .site-nav ~ section:first-of-type,
  .site-nav + section,
  .site-nav + div{ margin-top:8.5rem; }
  section[id]{ scroll-margin-top:8rem; }
}

/* ═══════════════════════════════════════════════════════
   FIRMENVERSICHERUNGS-CHECK (interaktiv)
═══════════════════════════════════════════════════════ */
.fc-section{ padding:3rem 2rem 6rem; }
.fc-inner{ max-width:880px; margin:0 auto; }
.fc-inner h2{
  font-family:'Playfair Display',Georgia,serif;
  font-size:clamp(1.5rem,3vw,2rem); color:#fff; margin-bottom:0.5rem;
}
.fc-intro{ color:rgba(255,255,255,0.55); font-size:0.95rem; line-height:1.7; margin-bottom:2rem; }

/* Score-Bar */
.fc-scoreboard{
  background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.1);
  border-radius:12px; padding:1.25rem 1.5rem; margin-bottom:2.5rem;
  display:flex; align-items:center; gap:1.5rem; flex-wrap:wrap;
}
.fc-score-track{
  flex:1; height:10px; background:rgba(255,255,255,0.1);
  border-radius:99px; overflow:hidden; min-width:120px;
}
.fc-fill{
  height:100%; border-radius:99px;
  background:var(--accent);
  transition:width 0.35s ease, background 0.35s ease;
  width:0%;
}
.fc-fill-critical{ background:#e05555; }
.fc-fill-warning { background:#e09055; }
.fc-fill-ok      { background:#c8a951; }
.fc-fill-good    { background:#3dbb8a; }
.fc-score-meta{ display:flex; flex-direction:column; gap:0.2rem; min-width:140px; }
.fc-count{ font-size:1.2rem; font-weight:700; color:#fff; }
.fc-status{ font-size:0.8rem; font-weight:600; letter-spacing:0.04em; text-transform:uppercase; }
.fc-critical{ color:#e05555; }
.fc-warning { color:#e09055; }
.fc-ok      { color:var(--accent); }
.fc-good    { color:#3dbb8a; }

/* Gruppen */
.fc-groups{ display:grid; grid-template-columns:1fr 1fr; gap:1rem; margin-bottom:2rem; }
@media(max-width:700px){ .fc-groups{ grid-template-columns:1fr; } }
.fc-group{
  background:rgba(255,255,255,0.03); border:1px solid rgba(255,255,255,0.09);
  border-radius:10px; padding:1.1rem 1.25rem;
  transition:border-color 0.2s;
}
.fc-group-complete{ border-color:rgba(61,187,138,0.35); }
.fc-group-head{
  display:flex; justify-content:space-between; align-items:center;
  margin-bottom:0.75rem;
}
.fc-group-title{
  font-size:0.82rem; font-weight:700; text-transform:uppercase;
  letter-spacing:0.04em; color:rgba(255,255,255,0.75);
}
.fc-group-count{
  font-size:0.75rem; font-weight:600;
  color:rgba(255,255,255,0.35); background:rgba(255,255,255,0.07);
  border-radius:99px; padding:0.15rem 0.55rem;
}

/* Items */
.fc-item{ display:flex; align-items:flex-start; gap:0.6rem; padding:0.45rem 0; }
.fc-item + .fc-item{ border-top:1px solid rgba(255,255,255,0.05); }
.fc-item input[type=checkbox]{
  margin-top:3px; flex-shrink:0; width:15px; height:15px;
  accent-color:#3dbb8a; cursor:pointer;
}
.fc-item label{
  font-size:0.86rem; color:rgba(255,255,255,0.7); line-height:1.4; cursor:pointer;
  transition:color 0.15s;
}
.fc-item input:checked + label{ color:rgba(255,255,255,0.35); text-decoration:line-through; }

/* Lücken & CTA */
.fc-gaps{
  background:rgba(255,255,255,0.03); border:1px solid rgba(255,255,255,0.1);
  border-radius:10px; padding:1.25rem 1.5rem; margin-bottom:2rem;
}
.fc-gaps h3{
  font-size:0.85rem; font-weight:700; text-transform:uppercase;
  letter-spacing:0.04em; color:rgba(255,255,255,0.55); margin-bottom:0.75rem;
}
#fc-gap-list{ list-style:none; padding:0; display:flex; flex-direction:column; gap:0.35rem; }
#fc-gap-list li{
  font-size:0.87rem; color:rgba(255,255,255,0.65); padding:0.3rem 0 0.3rem 1.3rem;
  position:relative;
}
#fc-gap-list li::before{
  content:'⚠'; position:absolute; left:0; font-size:0.75rem;
  color:#e09055;
}
.fc-gap-none::before{ content:'✅' !important; color:#3dbb8a !important; }
.fc-gap-more{ color:rgba(255,255,255,0.35) !important; font-style:italic; }
.fc-gap-more::before{ content:'' !important; }
.fc-cta-row{ display:flex; gap:1rem; flex-wrap:wrap; align-items:center; }
.fc-cta-row p{ color:rgba(255,255,255,0.45); font-size:0.88rem; flex:1; min-width:200px; }

/* Firmenversicherungs-Check – Blöcke (Compat) */
.check-block{
  background:rgba(255,255,255,0.03); border:1px solid rgba(255,255,255,0.08);
  border-radius:12px; padding:1.3rem 1.5rem; margin-bottom:1.1rem;
}
.check-block h3{
  font-family:'Playfair Display',serif; font-size:1.15rem; color:var(--accent);
  margin:0 0 0.6rem;
}

/* ── Tool-Gate (Login-Hinweis auf Info-Seiten) ── */
.tool-gate-section{ padding:1rem 2rem 4rem; }
.tool-gate{ max-width:760px; margin:0 auto; background:rgba(255,255,255,0.04);
  border:1px solid rgba(200,169,81,0.25); border-radius:14px; padding:1.8rem; }
.tool-gate-head{ display:flex; gap:1rem; align-items:flex-start; }
.tool-gate-icon{ font-size:1.8rem; line-height:1; }
.tool-gate-head h2{ font-family:'Playfair Display',serif; font-size:1.35rem; margin:0 0 0.3rem; }
.tool-gate-head p{ color:rgba(255,255,255,0.65); font-size:0.9rem; line-height:1.5; margin:0; }
.tool-gate-locked{ margin-top:1.3rem; padding-top:1.3rem; border-top:1px solid rgba(255,255,255,0.1); }
.tool-gate-locked p{ color:rgba(255,255,255,0.7); font-size:0.9rem; margin:0 0 1rem; }
.tool-gate-actions{ display:flex; gap:1rem; align-items:center; flex-wrap:wrap; }
.tool-gate-link{ color:var(--accent); text-decoration:none; font-weight:600; font-size:0.9rem; }
.tool-gate-soon{ margin-top:1.2rem; color:rgba(255,255,255,0.55); font-size:0.9rem; }
.tool-gate-body{ margin-top:1.3rem; }

/* ── Schritt-Karten (Projektierung) ── */
.step-grid{ display:grid; grid-template-columns:1fr 1fr; gap:1.1rem; margin-top:1.2rem; }
.step-card{ background:rgba(255,255,255,0.03); border:1px solid rgba(255,255,255,0.08);
  border-radius:12px; padding:1.3rem; position:relative; }
.step-num{ display:inline-flex; align-items:center; justify-content:center;
  width:1.9rem; height:1.9rem; border-radius:50%; background:var(--accent); color:var(--navy,#0d1b2a);
  font-weight:700; margin-bottom:0.6rem; }
.step-card h3{ font-family:'Playfair Display',serif; font-size:1.1rem; margin:0 0 0.4rem; }
.step-card p{ color:rgba(255,255,255,0.65); font-size:0.88rem; line-height:1.5; margin:0; }
@media (max-width:720px){ .step-grid{ grid-template-columns:1fr; } }

/* AN-Themen: Anker-Karten nicht unter der Nav landen lassen */
.welt-card[id]{ scroll-margin-top:10rem; }
@media (max-width:880px){ .welt-card[id]{ scroll-margin-top:6rem; } }
/* Platzhalter-Karte "weitere Benefits" */
.welt-card-more{ border-style:dashed; border-color:rgba(200,169,81,0.35); background:rgba(200,169,81,0.04); }

/* ── Vergleich: GESTAPELT (untereinander) – platzsparend in Gruppen-Boxen ── */
.bav-vgl-box{ margin-top:0.4rem; }
.vgls-block{ background:rgba(255,255,255,0.03); border:1px solid rgba(255,255,255,0.1);
  border-radius:10px; padding:0.7rem 0.85rem; margin-bottom:0.5rem; }
.vgls-bav{ border-color:rgba(200,169,81,0.35); background:rgba(200,169,81,0.05); }
.vgls-title{ font-weight:700; font-size:0.8rem; color:#fff; margin-bottom:0.4rem; }
.vgls-row{ display:flex; justify-content:space-between; gap:0.5rem; font-size:0.8rem;
  color:rgba(255,255,255,0.75); padding:0.2rem 0; }
.vgls-row span:last-child{ font-variant-numeric:tabular-nums; white-space:nowrap; }
.vgls-minus span:last-child{ color:#ff9a9a; }
.vgls-sum{ border-top:1px solid rgba(255,255,255,0.12); margin-top:0.25rem; padding-top:0.35rem;
  font-weight:700; color:#fff; }
.vgls-bav .vgls-sum span:last-child{ color:var(--accent); }
.vgls-fazit{ text-align:center; margin-top:0.2rem; font-size:0.88rem; padding:0.55rem;
  border-radius:8px; }
.vgls-fazit.pos{ background:rgba(61,187,138,0.12); color:#7fe0bb; }
.vgls-fazit.neg{ background:rgba(255,107,107,0.12); color:#ff9a9a; }
.vgls-fazit strong{ font-size:1.1em; }

/* ══════════════════════════════════════════════════════════
   AN-SEITE — Benefit-Pyramide + Pillar-Sections
══════════════════════════════════════════════════════════ */

/* ── Pyramiden-Navigation ── */
.an-pyramid-section{
  background:linear-gradient(180deg,#07121e 0%,#0d1b2a 100%);
  padding:3.5rem 1.5rem 2rem;
  text-align:center;
}
.an-pyramid-wrap{ max-width:700px; margin:0 auto; }
.an-pyramid-label{
  font-size:0.78rem; letter-spacing:0.1em; text-transform:uppercase;
  color:rgba(255,255,255,0.4); margin-bottom:1.5rem;
}
.an-pyramid{
  display:flex; flex-direction:column; align-items:center; gap:3px;
  margin:0 auto 0.75rem;
}
.an-pyramid-level{
  display:flex; align-items:center; justify-content:center; gap:0.45rem;
  padding:0.55rem 0.75rem; border-radius:4px;
  text-decoration:none; color:#0d1b2a; font-weight:700;
  clip-path:polygon(5% 0%,95% 0%,100% 100%,0% 100%);
  transition:transform 0.18s,filter 0.18s,box-shadow 0.18s;
  position:relative; z-index:0;
}
.an-pyramid-level:hover{
  transform:scaleX(1.03) scaleY(1.06);
  filter:brightness(1.12);
  box-shadow:0 4px 20px rgba(0,0,0,0.35);
  z-index:1;
}
.an-pyr-icon{ font-size:1em; line-height:1; flex-shrink:0; }
.an-pyr-text{ font-size:0.8rem; line-height:1.2; }

/* Level-Breiten + Farben (7 = Spitze/schmal, 1 = Basis/breit) */
.an-pyr-7{ width:22%; background:#c8a951; }
.an-pyr-6{ width:34%; background:#c3ab53; }
.an-pyr-5{ width:46%; background:#a0b262; }
.an-pyr-4{ width:58%; background:#74b872; }
.an-pyr-3{ width:70%; background:#4eba85; }
.an-pyr-2{ width:82%; background:#36b886; }
.an-pyr-1{ width:100%; background:#28a87a; }

.an-pyramid-hint{
  font-size:0.76rem; color:rgba(255,255,255,0.32); margin-top:0.6rem;
}

/* ── Lifestage-Quick-Links (Onboarding / Renteneintritt) ── */
.an-lifestage-links{
  display:flex; flex-wrap:wrap; gap:0.75rem;
  justify-content:center; margin-top:1.25rem;
}
.an-lifestage-link{
  background:rgba(200,169,81,0.08);
  border:1px solid rgba(200,169,81,0.25);
  border-radius:20px; padding:0.4rem 1.1rem;
  font-size:0.82rem; font-weight:600; color:var(--accent);
  text-decoration:none;
  transition:background 0.18s, border-color 0.18s, transform 0.18s;
}
.an-lifestage-link:hover,
.an-lifestage-link.active{
  background:rgba(200,169,81,0.18);
  border-color:rgba(200,169,81,0.45);
  transform:translateY(-1px);
}

@media (max-width:600px){
  .an-pyr-7{ width:50%; }
  .an-pyr-6{ width:62%; }
  .an-pyr-5{ width:72%; }
  .an-pyr-4{ width:82%; }
  .an-pyr-3{ width:89%; }
  .an-pyr-2{ width:95%; }
  .an-pyr-1{ width:100%; }
  .an-pyr-text{ font-size:0.72rem; }
  .an-pyramid-level{ padding:0.45rem 0.5rem; }
}

/* ── Pillar-Sections ── */
.an-pillar-section{
  padding:4rem 1.5rem;
  border-bottom:1px solid rgba(255,255,255,0.055);
  scroll-margin-top:7rem;
}
.an-pillar-section:nth-of-type(odd){ background:rgba(255,255,255,0.012); }
.an-pillar-inner{ max-width:1100px; margin:0 auto; }

.an-pillar-head{
  text-align:center; max-width:740px; margin:0 auto 2.5rem;
}
.an-pillar-badge{
  display:inline-block;
  background:rgba(200,169,81,0.1); border:1px solid rgba(200,169,81,0.28);
  color:var(--accent); font-size:0.75rem; font-weight:700;
  letter-spacing:0.07em; text-transform:uppercase;
  padding:0.35rem 0.95rem; border-radius:20px; margin-bottom:1.1rem;
}
.an-pillar-quote{
  font-family:'Playfair Display',serif; font-size:1.4rem; font-style:italic;
  color:#fff; line-height:1.45; margin:0 0 1rem; padding:0; border:none;
}
.an-pillar-intro{
  color:rgba(255,255,255,0.63); font-size:0.97rem; line-height:1.72; margin:0;
}

/* Per-Pillar Badge-Farben */
.an-pillar-gesundheit    .an-pillar-badge{ background:rgba(40,168,122,0.1);  border-color:rgba(40,168,122,0.3);  color:#28a87a; }
.an-pillar-einkommen     .an-pillar-badge{ background:rgba(90,155,220,0.1);  border-color:rgba(90,155,220,0.3);  color:#5a9bdc; }
.an-pillar-vorsorge      .an-pillar-badge{ background:rgba(200,169,81,0.12); border-color:rgba(200,169,81,0.3);  color:var(--accent); }
.an-pillar-familie       .an-pillar-badge{ background:rgba(220,120,180,0.1); border-color:rgba(220,120,180,0.28);color:#dc78b4; }
.an-pillar-zeit          .an-pillar-badge{ background:rgba(100,190,130,0.1); border-color:rgba(100,190,130,0.28);color:#64be82; }
.an-pillar-weiterbildung .an-pillar-badge{ background:rgba(155,120,220,0.1); border-color:rgba(155,120,220,0.28);color:#9b78dc; }
.an-pillar-mobilitaet    .an-pillar-badge{ background:rgba(200,169,81,0.08); border-color:rgba(200,169,81,0.2);  color:rgba(200,169,81,0.82); }

/* ── Leistungs-Karten (2×2) ── */
.an-pillar-grid{
  display:grid; grid-template-columns:repeat(2,1fr); gap:1.25rem;
}
@media (max-width:680px){ .an-pillar-grid{ grid-template-columns:1fr; } }

.an-leistung-card{
  background:rgba(255,255,255,0.03); border:1px solid rgba(255,255,255,0.08);
  border-radius:16px; padding:1.4rem 1.5rem;
  transition:border-color 0.2s,background 0.2s,transform 0.18s;
}
.an-leistung-card:hover{
  background:rgba(255,255,255,0.055); border-color:rgba(255,255,255,0.15);
  transform:translateY(-2px);
}
.an-leistung-icon{ display:block; font-size:2rem; line-height:1; margin-bottom:0.65rem; }
.an-leistung-card h4{
  font-family:'Playfair Display',serif; font-size:1.02rem; font-weight:700;
  color:#fff; margin:0 0 0.45rem;
}
.an-leistung-card p{
  color:rgba(255,255,255,0.6); font-size:0.87rem; line-height:1.66; margin:0;
}
.an-leistung-card a{ color:var(--success); }

/* Per-Pillar Karten-Hover-Akzent */
.an-pillar-gesundheit    .an-leistung-card:hover{ border-color:rgba(40,168,122,0.32); }
.an-pillar-einkommen     .an-leistung-card:hover{ border-color:rgba(90,155,220,0.32); }
.an-pillar-vorsorge      .an-leistung-card:hover{ border-color:rgba(200,169,81,0.38); }
.an-pillar-familie       .an-leistung-card:hover{ border-color:rgba(220,120,180,0.32); }
.an-pillar-zeit          .an-leistung-card:hover{ border-color:rgba(100,190,130,0.32); }
.an-pillar-weiterbildung .an-leistung-card:hover{ border-color:rgba(155,120,220,0.32); }
.an-pillar-mobilitaet    .an-leistung-card:hover{ border-color:rgba(200,169,81,0.32); }

/* ── Pillar-Akzent-Streifen links ── */
.an-pillar-gesundheit    { border-left:4px solid #28a87a; }
.an-pillar-einkommen     { border-left:4px solid #5a9bdc; }
.an-pillar-vorsorge      { border-left:4px solid var(--accent); }
.an-pillar-familie       { border-left:4px solid #dc78b4; }
.an-pillar-zeit          { border-left:4px solid #64be82; }
.an-pillar-weiterbildung { border-left:4px solid #9b78dc; }
.an-pillar-mobilitaet    { border-left:4px solid rgba(200,169,81,0.7); }

/* ── Karten-Link (Mehr erfahren / Anbieter) ── */
.an-karte-link{
  display:inline-block; margin-top:0.8rem;
  font-size:0.8rem; font-weight:600; letter-spacing:0.02em;
  color:var(--accent); text-decoration:none;
  transition:color 0.18s, letter-spacing 0.18s;
}
.an-karte-link:hover{ color:var(--gold); letter-spacing:0.05em; }

/* ── Scroll-Spy: aktive Pyramiden-Ebene ── */
.an-pyramid-level.active{
  filter:brightness(1.18);
  box-shadow:0 0 0 3px rgba(255,255,255,0.45), 0 6px 20px rgba(0,0,0,0.4);
  transform:scaleX(1.04);
  z-index:2;
}

/* ── Entrance-Animationen (Karten + Section-Heads) ── */
.an-fade-in{
  opacity:0;
  transform:translateY(18px);
  transition:opacity 0.5s ease, transform 0.5s ease;
}
.an-fade-in.visible{ opacity:1; transform:none; }
/* Stagger für Karten-Grid (2–4 kommen leicht versetzt) */
.an-pillar-grid .an-fade-in:nth-child(2){ transition-delay:0.08s; }
.an-pillar-grid .an-fade-in:nth-child(3){ transition-delay:0.16s; }
.an-pillar-grid .an-fade-in:nth-child(4){ transition-delay:0.24s; }

/* ── Hero-Stats-Chips ── */
.an-hero-stats{
  display:flex; flex-wrap:wrap; gap:0.75rem;
  justify-content:center; margin-top:1.5rem;
}
.an-hero-stats span{
  background:rgba(255,255,255,0.07);
  border:1px solid rgba(255,255,255,0.15);
  border-radius:20px; padding:0.35rem 1.1rem;
  font-size:0.85rem; color:rgba(255,255,255,0.8);
}

/* Branchen-Anzeige im bAV-Rechner (ersetzt das alte Dropdown) */
.bav-branche-anzeige{
  display:inline-block; padding:0.3rem 0.8rem; border-radius:16px;
  background:rgba(200,169,81,0.15); border:1px solid rgba(200,169,81,0.35);
  color:var(--accent); font-size:0.82rem; font-weight:600;
}

/* ── Freistellungsrechner ── */
.an-freistellung-section{
  border-top:1px solid rgba(200,169,81,0.15);
  border-bottom:1px solid rgba(200,169,81,0.15);
}
.fr-rechner-layout{
  display:grid; grid-template-columns:1fr 1fr; gap:3rem;
  margin-top:2.5rem; align-items:start;
}
@media(max-width:768px){ .fr-rechner-layout{ grid-template-columns:1fr; gap:2rem; } }
.fr-inputs{ display:flex; flex-direction:column; gap:1.8rem; }
.fr-slider-group label{
  display:block; margin-bottom:0.45rem;
  font-size:0.8rem; font-weight:600; text-transform:uppercase;
  letter-spacing:0.03em; color:rgba(255,255,255,0.55);
}
.fr-slider-row{ display:flex; align-items:center; gap:1rem; }
.fr-slider-row input[type=range]{
  flex:1; accent-color:var(--accent); height:4px; cursor:pointer;
}
.fr-slider-val{
  min-width:100px; text-align:right;
  font-size:1rem; font-weight:700; color:var(--accent);
}
.fr-results{ display:flex; flex-direction:column; gap:0.7rem; }
.fr-result-row{
  display:flex; justify-content:space-between; align-items:center;
  padding:0.7rem 1rem; border-radius:8px;
  background:rgba(255,255,255,0.04);
}
.fr-result-highlight{
  background:rgba(200,169,81,0.07);
  border:1px solid rgba(200,169,81,0.18);
}
.fr-result-main{
  background:rgba(200,169,81,0.12);
  border:1px solid rgba(200,169,81,0.32);
  padding:1rem;
}
.fr-result-plus{
  background:rgba(61,187,138,0.07);
  border:1px solid rgba(61,187,138,0.22);
}
.fr-res-label{ font-size:0.84rem; color:rgba(255,255,255,0.55); max-width:58%; }
.fr-res-val{ font-size:1.05rem; font-weight:700; color:#fff; white-space:nowrap; }
.fr-res-val.gold{ color:var(--accent); font-size:1.25rem; }
.fr-res-val.green{ color:#3dbb8a; }
.fr-disclaimer{
  font-size:0.73rem; color:rgba(255,255,255,0.28);
  line-height:1.5; margin-top:0.4rem;
}
.fr-cta{ margin-top:2.5rem; text-align:center; }
.fr-cta p{ color:rgba(255,255,255,0.45); font-size:0.88rem; margin-bottom:1rem; }

/* ── Chef benachrichtigen CTA ── */
.an-chef-section{
  padding:4rem 2rem;
  background:linear-gradient(135deg, rgba(200,169,81,0.08) 0%, rgba(13,27,42,0) 60%);
  border-top:1px solid rgba(200,169,81,0.18);
  border-bottom:1px solid rgba(200,169,81,0.18);
}
.an-chef-inner{
  max-width:680px; margin:0 auto; text-align:center;
}
.an-chef-inner .an-chef-icon{ font-size:2.8rem; margin-bottom:1rem; }
.an-chef-inner h2{
  font-size:clamp(1.4rem,3vw,2rem); color:#fff;
  margin-bottom:0.9rem;
}
.an-chef-inner p{
  color:rgba(255,255,255,0.6); font-size:0.97rem; line-height:1.7;
  margin-bottom:1.8rem;
}
.an-chef-btn{ font-size:1rem; padding:0.75rem 2rem; }
.an-chef-note{
  margin-top:1rem; font-size:0.78rem;
  color:rgba(255,255,255,0.35); line-height:1.5;
}

/* ── AN Beratungsanfrage-Formular ── */
.an-beratung-section{
  padding:4rem 2rem 5rem;
  background:rgba(255,255,255,0.02);
}
.an-beratung-inner{ max-width:720px; margin:0 auto; }
.an-beratung-inner h2{
  font-size:clamp(1.4rem,3vw,1.9rem); color:#fff; margin-bottom:0.5rem;
}
.an-beratung-intro{
  color:rgba(255,255,255,0.55); font-size:0.95rem;
  line-height:1.7; margin-bottom:2rem;
}
.an-beratung-form{ display:flex; flex-direction:column; gap:1.2rem; }
.an-form-row{ display:grid; grid-template-columns:1fr 1fr; gap:1.2rem; }
@media(max-width:560px){ .an-form-row{ grid-template-columns:1fr; } }
.an-form-field{ display:flex; flex-direction:column; gap:0.35rem; }
.an-form-field label{
  font-size:0.82rem; font-weight:600; color:rgba(255,255,255,0.65);
  letter-spacing:0.03em; text-transform:uppercase;
}
.an-form-field .optional{ font-weight:400; text-transform:none; font-size:0.78rem; color:rgba(255,255,255,0.35); }
.an-form-field .required{ color:var(--accent); }
.an-form-field input,
.an-form-field select,
.an-form-field textarea{
  background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.15);
  border-radius:8px; padding:0.65rem 0.9rem;
  color:#fff; font-size:0.92rem; font-family:inherit;
  transition:border-color 0.2s;
  outline:none;
}
.an-form-field input::placeholder,
.an-form-field textarea::placeholder{ color:rgba(255,255,255,0.28); }
.an-form-field select option{ background:#0d1b2a; color:#fff; }
.an-form-field input:focus,
.an-form-field select:focus,
.an-form-field textarea:focus{ border-color:rgba(200,169,81,0.55); }
.an-form-field textarea{ resize:vertical; min-height:90px; }
.an-form-consent{ display:flex; align-items:flex-start; gap:0.5rem; }
.consent-label{
  display:flex; align-items:flex-start; gap:0.5rem; cursor:pointer;
  font-size:0.83rem; color:rgba(255,255,255,0.5); line-height:1.5;
}
.consent-label input[type=checkbox]{ margin-top:2px; flex-shrink:0; accent-color:var(--accent); }
.consent-label a{ color:var(--accent); text-decoration:none; }
.an-form-actions{ display:flex; }
.an-form-actions .btn{ font-size:1rem; padding:0.75rem 2rem; }
.an-form-msg{
  font-size:0.85rem; color:#e07070; min-height:1.2em;
  transition:opacity 0.3s;
}
.an-form-success{
  text-align:center; padding:2rem 0;
}
.an-form-success h3{ color:#fff; font-size:1.4rem; margin:0.5rem 0; }
.an-form-success p{ color:rgba(255,255,255,0.6); font-size:0.95rem; }

/* ── Arbeitnehmer-bAV-Rechner ── */
.an-rechner-section{ padding:2rem 2rem 5rem; }
.an-rechner-inner{ max-width:1100px; margin:0 auto; }
.an-rechner-head{ text-align:center; max-width:760px; margin:0 auto 2rem; }
.an-rechner-head h2{ font-family:'Playfair Display',serif; font-size:1.8rem; margin:0.5rem 0; }
.an-rechner-head em{ color:var(--success); font-style:normal; }
.an-rechner-head p{ color:rgba(255,255,255,0.65); font-size:0.9rem; line-height:1.6; }
.an-rechner-grid{ display:grid; grid-template-columns:1fr 1fr; gap:1.5rem; }
.an-inputs{ background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.1);
  border-radius:14px; padding:1.4rem; }
.an-field{ margin-bottom:1rem; }
.an-field label{ display:block; font-size:0.82rem; font-weight:600; color:rgba(255,255,255,0.8); margin-bottom:0.4rem; }
.an-input-row{ display:flex; align-items:center; gap:0.6rem; }
.an-input-row input[type=range]{ flex:1; accent-color:var(--success); }
.an-num{ width:64px; padding:0.4rem 0.5rem; border-radius:6px; border:1px solid rgba(255,255,255,0.15);
  background:rgba(0,0,0,0.25); color:#fff; font-size:0.85rem; }
.an-unit{ font-size:0.8rem; color:rgba(255,255,255,0.5); width:1.2rem; }
.an-results{ display:flex; flex-direction:column; gap:1rem; }
.an-kpi-row{ display:grid; grid-template-columns:repeat(3,1fr); gap:0.6rem; }
.an-kpi-row-4{ grid-template-columns:repeat(2,1fr); }
.an-kpi{ background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.1);
  border-radius:10px; padding:0.8rem; text-align:center; }
.an-kpi-hl{ border-color:rgba(61,187,138,0.4); background:rgba(61,187,138,0.06); }
.an-kpi-label{ font-size:0.7rem; color:rgba(255,255,255,0.55); margin-bottom:0.3rem; }
.an-kpi-val{ font-family:'Playfair Display',serif; font-size:1.2rem; font-weight:700; }
.an-kpi-hl .an-kpi-val{ color:var(--success); }
@media (max-width:768px){ .an-rechner-grid{ grid-template-columns:1fr; } }

/* ═══════════════════════════════════════════════════════
   QUIZ GRUPPEN-LAYOUT (3 Abschnitte gleichzeitig)
═══════════════════════════════════════════════════════ */

/* Dot-Fortschritt */
.quiz-dots-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 1.5rem 2.5rem 0.75rem;
}
.quiz-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: transparent;
  border: 2px solid rgba(255,255,255,0.2);
  transition: background 0.3s, border-color 0.3s, width 0.2s, height 0.2s;
}
.quiz-dot.done {
  background: rgba(200,169,81,0.5);
  border-color: transparent;
}
.quiz-dot.active {
  background: var(--accent);
  border-color: var(--accent);
  width: 12px; height: 12px;
}
.quiz-dots-label {
  font-size: 0.72rem;
  color: var(--muted);
  font-weight: 600;
  letter-spacing: 1px;
  margin-left: 0.4rem;
}

/* Gruppen-Kopf */
.quiz-group-header {
  padding: 0 2.5rem 0.75rem;
  text-align: center;
}
.quiz-group-title {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
  color: var(--white);
}
.quiz-group-intro {
  font-size: 0.875rem;
  color: var(--muted);
  line-height: 1.5;
  margin: 0;
}

/* Gruppen-Body */
.quiz-group-body {
  padding: 0 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 1.5rem;
}
.quiz-group-step + .quiz-group-step {
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.06);
  margin-top: 1.5rem;
}

/* Inline-Eingabe (Zahl / Text) */
.quiz-inline-label {
  display: block;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.5rem;
}
.quiz-inline-sub {
  font-size: 0.8rem;
  color: var(--muted);
  font-weight: 400;
}

/* Step-Titel (h4 innerhalb options-Step) */
.quiz-step-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.5rem;
}
.quiz-optional {
  font-size: 0.78rem;
  font-weight: 400;
  color: var(--muted);
}

/* Navigations-Leiste unten */
.quiz-group-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
  padding: 1.25rem 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.07);
  background: rgba(0,0,0,0.15);
}
.quiz-nav-hint {
  font-size: 0.78rem;
  color: var(--muted);
  margin: 0;
}

/* Validierungs-Hinweis (wird via prepend in .quiz-group-nav eingefügt) */
.quiz-validation-hint {
  width: 100%;
  font-size: 0.82rem;
  color: #ff9a9a;
  margin: 0;
  padding: 0.45rem 0.75rem;
  background: rgba(255,100,100,0.08);
  border-radius: 6px;
  border: 1px solid rgba(255,100,100,0.2);
}

/* Benefit-Detail-Sub-Fragen */
.quiz-benefit-details-wrap {
  margin-top: 0.5rem;
  padding: 1rem 1.25rem;
  background: rgba(200,169,81,0.05);
  border: 1px solid rgba(200,169,81,0.15);
  border-radius: 12px;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.quiz-benefit-details-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent);
}
.quiz-benefit-detail-row {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  flex-wrap: wrap;
}
.quiz-benefit-detail-name {
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.8);
  flex-shrink: 0;
  min-width: 130px;
  padding-top: 0.3rem;
}
.quiz-benefit-detail-opts {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  flex: 1;
}
.quiz-detail-opt {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 0.3rem 0.85rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
  cursor: pointer;
  transition: all 0.18s;
  font-family: 'DM Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}
.quiz-detail-opt:hover {
  background: rgba(200,169,81,0.08);
  border-color: rgba(200,169,81,0.3);
  color: var(--white);
}
.quiz-detail-opt.selected {
  background: rgba(200,169,81,0.12);
  border-color: var(--accent);
  color: var(--accent);
  font-weight: 600;
}

/* Responsive */
@media (max-width: 640px) {
  .quiz-dots-wrap { padding: 1.25rem 1.5rem 0.5rem; }
  .quiz-group-header { padding: 0 1.5rem 0.75rem; }
  .quiz-group-body { padding: 0 1.5rem; }
  .quiz-group-nav { padding: 1rem 1.5rem; }
  .quiz-group-title { font-size: 1.25rem; }
  .quiz-benefit-detail-row { flex-direction: column; gap: 0.4rem; }
  .quiz-benefit-detail-name { min-width: auto; }
}

/* ── Ziel-Ranking (Drag & Drop) ── */
.quiz-ranking-section {
  margin-top: 1.25rem;
  border-top: 1px solid var(--clr-border, #e2e8f0);
  padding-top: 1rem;
}
.quiz-ranking-intro {
  font-size: 0.85rem;
  color: var(--clr-muted, #64748b);
  margin-bottom: 0.6rem;
}
.quiz-ranking-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.quiz-ranking-item {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.55rem 0.75rem;
  background: var(--clr-surface, #f8fafc);
  border: 1px solid var(--clr-border, #e2e8f0);
  border-radius: 8px;
  cursor: grab;
  user-select: none;
  transition: background 0.15s, box-shadow 0.15s;
}
.quiz-ranking-item:hover {
  background: #f1f5f9;
  box-shadow: 0 2px 6px rgba(0,0,0,.06);
}
.quiz-ranking-item.dragging {
  opacity: 0.45;
  cursor: grabbing;
  box-shadow: 0 4px 12px rgba(0,0,0,.12);
}
.quiz-ranking-handle {
  color: var(--clr-muted, #94a3b8);
  font-size: 1.1rem;
  line-height: 1;
}
.quiz-ranking-rank {
  font-weight: 700;
  font-size: 0.82rem;
  min-width: 1.4rem;
  color: var(--clr-primary, #3b82f6);
}
.quiz-ranking-icon {
  font-size: 1.15rem;
  line-height: 1;
}
.quiz-ranking-label-text {
  font-size: 0.88rem;
  flex: 1;
}

/* ── Belegschaftsstruktur-Abschnitt ── */
.analyse-belegschaft-section {
  padding: 2rem var(--page-pad, 2rem);
  border-bottom: 1px solid var(--clr-border, #e2e8f0);
}
.analyse-gruppen-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  margin-top: 1.25rem;
}
.analyse-gruppen-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--clr-muted, #64748b);
  margin-bottom: 0.35rem;
}
.analyse-gruppen-input-wrap {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--clr-surface, #f8fafc);
  border: 1px solid var(--clr-border, #e2e8f0);
  border-radius: 8px;
  padding: 0.5rem 0.75rem;
}
.analyse-gruppen-input {
  border: none;
  background: transparent;
  font-size: 1rem;
  width: 100%;
  outline: none;
  min-width: 0;
}
.analyse-gruppen-unit {
  font-size: 0.8rem;
  color: var(--clr-muted, #94a3b8);
  white-space: nowrap;
}
.analyse-gruppen-summe {
  margin-top: 0.75rem;
  font-size: 0.82rem;
  color: var(--clr-muted, #64748b);
  min-height: 1.2em;
}
@media (max-width: 480px) {
  .analyse-gruppen-grid { grid-template-columns: 1fr; }
}

/* ── Analyse-CTA (Weiter zum Konzept) ── */
.analyse-cta-section {
  padding: 3rem var(--page-pad, 2rem);
  text-align: center;
  border-top: 1px solid var(--clr-border, #e2e8f0);
}
.analyse-cta-inner {
  max-width: 600px;
  margin: 0 auto;
}
.analyse-cta-text {
  color: var(--clr-muted, #64748b);
  margin-bottom: 1.5rem;
  line-height: 1.6;
}
.analyse-cta-btn {
  font-size: 1.05rem;
  padding: 0.85rem 2rem;
}

/* ── Services: Customer Journey ── */
.journey-section {
  padding: 3.5rem var(--page-pad, 2rem);
  border-bottom: 1px solid var(--clr-border, #e2e8f0);
}
.journey-section-alt {
  background: var(--clr-surface, #f8fafc);
}
.journey-inner {
  max-width: 1000px;
  margin: 0 auto;
}
.journey-intro {
  color: var(--clr-muted, #64748b);
  max-width: 680px;
  margin-bottom: 2.5rem;
  line-height: 1.65;
}
.journey-track {
  display: flex;
  align-items: flex-start;
  gap: 0;
}
.journey-step {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 1.75rem 1.25rem;
  background: var(--clr-bg, #fff);
  border: 1px solid var(--clr-border, #e2e8f0);
  border-radius: 14px;
}
.journey-section-alt .journey-step {
  background: #fff;
}
.journey-step-num {
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 50%;
  background: var(--clr-primary, #1e3a5f);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  flex-shrink: 0;
}
.journey-step-content h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
}
.journey-step-content p {
  font-size: 0.85rem;
  color: var(--clr-muted, #64748b);
  line-height: 1.6;
  margin-bottom: 1rem;
}
.journey-step-link {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--clr-primary, #1e3a5f);
  text-decoration: none;
  border-bottom: 1px solid currentColor;
  padding-bottom: 1px;
  transition: opacity 0.15s;
}
.journey-step-link:hover { opacity: 0.7; }
.journey-arrow {
  flex-shrink: 0;
  width: 2.5rem;
  text-align: center;
  font-size: 1.4rem;
  color: var(--clr-muted, #94a3b8);
  padding-top: 2.75rem;
  align-self: flex-start;
}
@media (max-width: 640px) {
  .journey-track {
    flex-direction: column;
    gap: 1rem;
  }
  .journey-arrow { display: none; }
  .journey-step { width: 100%; }
}

/* ── Agent-Trigger-Sektion (Konzept-Seite) ─────────────────────── */
.agent-trigger-section {
  background: var(--clr-bg-alt, #f8fafc);
  border-top: 1px solid var(--clr-border, #e2e8f0);
  padding: 2.5rem 1.5rem;
}
.agent-trigger-inner {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  align-items: flex-start;
}
.agent-trigger-text { flex: 1 1 340px; }
.agent-trigger-text h2 {
  font-size: 1.3rem;
  font-weight: 700;
  margin: 0 0 0.4rem;
  color: var(--clr-heading, #1e3a5f);
}
.agent-trigger-text p {
  font-size: 0.88rem;
  color: var(--clr-muted, #64748b);
  margin: 0;
  line-height: 1.55;
}
.agent-trigger-actions {
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
  flex-shrink: 0;
}
.agent-trigger-msg {
  font-size: 0.82rem;
  min-height: 1.2em;
  color: var(--clr-muted, #64748b);
  margin-top: 0.25rem;
}
.agent-trigger-msg.success { color: #16a34a; }
.agent-trigger-msg.error   { color: #dc2626; }
.agent-trigger-note {
  font-size: 0.78rem;
  color: var(--clr-muted, #94a3b8);
  margin-top: 0.1rem;
}
@media (max-width: 640px) {
  .agent-trigger-inner { flex-direction: column; }
  .agent-trigger-actions { width: 100%; }
  .agent-trigger-actions .btn { width: 100%; text-align: center; }
}

/* ── AN-Onboarding ─────────────────────────────────────────── */
.onb-wrap {
  max-width: 740px;
  margin: 2rem auto;
  padding: 0 1rem 4rem;
}
.onb-progress-wrap {
  height: 6px;
  background: var(--clr-border, #e2e8f0);
  border-radius: 3px;
  margin-bottom: 0.5rem;
}
.onb-progress-bar {
  height: 6px;
  background: var(--clr-primary, #3b82f6);
  border-radius: 3px;
  transition: width 0.4s ease;
}
.onb-step-label {
  font-size: 0.8rem;
  color: var(--clr-muted, #64748b);
  margin-bottom: 2rem;
}
.onb-intro {
  color: var(--clr-muted, #64748b);
  margin-bottom: 1.5rem;
  line-height: 1.7;
}
.onb-video-wrap {
  position: relative;
  padding-bottom: 56.25%;
  height: 0;
  margin-bottom: 1.5rem;
}
.onb-video-wrap iframe,
.onb-video {
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  border-radius: 8px;
}
video.onb-video {
  position: static;
  width: 100%;
  height: auto;
  border-radius: 8px;
  margin-bottom: 1.5rem;
}
.onb-video-placeholder {
  background: var(--clr-bg-alt, #f1f5f9);
  border: 2px dashed var(--clr-border, #e2e8f0);
  border-radius: 8px;
  padding: 3rem 2rem;
  text-align: center;
  color: var(--clr-muted, #64748b);
  margin-bottom: 1.5rem;
}
.onb-explore-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 1rem;
  margin-bottom: 2rem;
}
.onb-explore-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  padding: 1.25rem 0.75rem;
  background: var(--clr-card, #fff);
  border: 1px solid var(--clr-border, #e2e8f0);
  border-radius: 10px;
  text-decoration: none;
  color: var(--clr-text, #1e293b);
  font-size: 0.85rem;
  font-weight: 500;
  text-align: center;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.onb-explore-card:hover {
  border-color: var(--clr-primary, #3b82f6);
  box-shadow: 0 4px 12px rgba(59,130,246,0.12);
}
.onb-question {
  margin-bottom: 2rem;
  padding: 1.25rem;
  background: var(--clr-card, #fff);
  border: 1px solid var(--clr-border, #e2e8f0);
  border-radius: 10px;
}
.onb-q-text {
  margin-bottom: 0.75rem;
  line-height: 1.6;
}
.onb-q-label {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  padding: 0.5rem 0;
  cursor: pointer;
  font-size: 0.92rem;
  line-height: 1.5;
}
.onb-q-label input { margin-top: 3px; flex-shrink: 0; }
.onb-q-feedback {
  margin-top: 0.75rem;
  padding: 0.6rem 0.9rem;
  border-radius: 6px;
  font-size: 0.88rem;
}
.onb-q-feedback.correct { background: #dcfce7; color: #166534; }
.onb-q-feedback.wrong   { background: #fee2e2; color: #991b1b; }
.onb-form-field {
  margin-bottom: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.onb-form-field label { font-size: 0.9rem; font-weight: 500; }
.onb-form-field input[type="number"],
.onb-readonly {
  padding: 0.6rem 0.75rem;
  border: 1px solid var(--clr-border, #e2e8f0);
  border-radius: 6px;
  font-size: 0.95rem;
  background: var(--clr-bg-alt, #f8fafc);
  width: 100%;
  box-sizing: border-box;
}
.onb-readonly { color: var(--clr-muted, #64748b); }
.onb-einwilligung-label {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.88rem;
  line-height: 1.6;
  cursor: pointer;
}
.onb-einwilligung-label input { margin-top: 3px; flex-shrink: 0; }
.onb-actions { margin-top: 2rem; }
.onb-btn-primary {
  display: inline-block;
  background: var(--clr-primary, #3b82f6);
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 0.75rem 1.75rem;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s;
}
.onb-btn-primary:hover { background: var(--clr-primary-dark, #2563eb); }
.onb-btn-primary:disabled { opacity: 0.6; cursor: not-allowed; }
.onb-score {
  background: var(--clr-bg-alt, #f1f5f9);
  border-radius: 8px;
  padding: 0.75rem 1rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  color: var(--clr-primary, #3b82f6);
}
.onb-thankyou {
  text-align: center;
  padding: 3rem 1rem;
}
.onb-thankyou-icon { font-size: 3rem; margin-bottom: 1rem; }
.onb-thankyou h3  { font-size: 1.5rem; margin-bottom: 0.75rem; }

/* AN-Status-Zeilen in Admin/Berater-Tabellen */
.an-status-row td { padding: 0.75rem 1rem; }
.an-status-row table { margin: 0; }

/* Feld-Fehler auf Registrierungsseite */
.auth-err {
  color: #dc2626;
  font-size: 0.82rem;
  margin-top: 0.25rem;
}

/* ══════════════════════════════════════════════════════════
   AG-PORTALKONFIGURATOR — neue Styles
══════════════════════════════════════════════════════════ */

/* Portal Lock Screen (an-portal.php) */
.portal-lock {
  max-width: 480px;
  margin: 5rem auto;
  padding: 3rem 2rem;
  text-align: center;
  background: #f8fafc;
  border-radius: 1rem;
  border: 1px solid #e2e8f0;
}
.portal-lock h2 {
  font-size: 1.5rem;
  margin: 0.75rem 0 0.5rem;
  color: #1e293b;
}
.portal-lock p {
  color: #64748b;
  font-size: 0.95rem;
  line-height: 1.6;
}
.portal-lock-icon {
  font-size: 3rem;
}

/* AG Logo & Portal-Banner (arbeitnehmer/index.php) */
.ag-logo-bar {
  background: #fff;
  padding: 0.75rem 1.5rem;
  border-bottom: 1px solid #e2e8f0;
  display: flex;
  align-items: center;
}
.ag-logo {
  max-height: 48px;
  max-width: 200px;
  object-fit: contain;
}
.portal-banner {
  background: var(--ag-primary, #3b82f6);
  color: #fff;
  text-align: center;
  padding: 0.9rem 1.5rem;
  font-size: 0.97rem;
  line-height: 1.5;
}

/* Per-section employer hint */
.ag-hinweis {
  border-left: 3px solid var(--ag-primary, #3b82f6);
  background: #eff6ff;
  padding: 0.75rem 1rem;
  font-size: 0.9rem;
  color: #1e3a5f;
  line-height: 1.5;
}

/* Portal Konfigurator sections */
.konfig-section {
  margin-bottom: 1.75rem;
  padding-bottom: 1.75rem;
  border-bottom: 1px solid #e2e8f0;
}
.konfig-section:last-of-type {
  border-bottom: none;
}
.konfig-section h3 {
  font-size: 1.05rem;
  color: #1e293b;
  margin: 0 0 0.75rem;
}
.konfig-row {
  display: flex;
  gap: 0.75rem;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 0.75rem;
}
.konfig-row label {
  min-width: 16rem;
  font-size: 0.9rem;
  color: #374151;
}

/* Utility */
.muted {
  color: #6b7280;
  font-size: 0.85rem;
}

/* ── Quiz: Belegschaftsgruppen-Step ── */
.quiz-gruppe-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.85rem;
  margin-top: 0.25rem;
}
.quiz-gruppe-field {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.quiz-gruppe-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
}
.quiz-gruppe-input {
  width: 100%;
  padding: 0.5rem 0.6rem;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  background: rgba(255,255,255,0.06);
  color: #fff;
  font-size: 1rem;
  text-align: center;
  -moz-appearance: textfield;
}
.quiz-gruppe-input::-webkit-inner-spin-button,
.quiz-gruppe-input::-webkit-outer-spin-button { -webkit-appearance: none; }
.quiz-gruppe-input:focus {
  outline: none;
  border-color: var(--accent, #f8b941);
  background: rgba(255,255,255,0.1);
}
.quiz-gruppe-summe {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  margin-top: 0.6rem;
  min-height: 1em;
}
@media (max-width: 400px) {
  .quiz-gruppe-grid { grid-template-columns: 1fr; }
}

/* ── Umsetzung: Zeitstrahl ── */
.zt-intro {
  color: var(--clr-muted, #64748b);
  max-width: 680px;
  line-height: 1.65;
  margin-bottom: 2.5rem;
}
.zt-track {
  max-width: 720px;
}
.zt-step {
  display: flex;
  gap: 1.5rem;
  padding-bottom: 2rem;
}
.zt-step-last {
  padding-bottom: 0;
}
.zt-marker {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
}
.zt-dot {
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 50%;
  background: var(--clr-primary, #3b82f6);
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.zt-dot-final {
  background: var(--clr-gold, #f59e0b);
}
.zt-marker::after {
  content: '';
  display: block;
  width: 2px;
  flex: 1;
  min-height: 1.5rem;
  background: var(--clr-border, #e2e8f0);
  margin-top: 0.4rem;
}
.zt-step-last .zt-marker::after {
  display: none;
}
.zt-body {
  padding-top: 0.25rem;
}
.zt-body h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
  color: var(--clr-text, #1e293b);
}
.zt-body p {
  font-size: 0.88rem;
  color: var(--clr-muted, #64748b);
  line-height: 1.65;
  margin-bottom: 0.5rem;
}
@media (max-width: 480px) {
  .zt-step { gap: 1rem; }
  .zt-dot  { width: 2rem; height: 2rem; font-size: 0.85rem; }
}

/* ═══════════════════════════════════════════════════════
   MOBILE ≤ 480px — Konzept-Rechner Fixes
═══════════════════════════════════════════════════════ */
@media (max-width: 480px) {
  /* ROI Rechner: Innenabstand reduzieren */
  .roi-inputs  { padding: 1.5rem 1rem; }
  .roi-results { padding: 1.5rem 1rem; }

  /* ROI Kennzahlen: kleinere Schrift für Zahlen */
  .roi-top-val { font-size: 1.2rem; }

  /* ROI Tabs: kompakter, umbrechen erlaubt */
  .roi-tabs { gap: 0.35rem; margin-bottom: 1rem; }
  .roi-tab  { padding: 0.4rem 0.75rem; font-size: 0.74rem; }

  /* bAV Shared Inputs: 1-spaltig statt 2-spaltig */
  .bav-shared-grid { grid-template-columns: 1fr; }
  .bav-shared-panel { padding: 1rem; }

  /* Abschnitt-Padding für Rechner-Sektionen */
  #roi,
  #bav-rechner-section,
  .zusammenfassung-section,
  .agent-trigger-section { padding: 3rem 1rem; }

  /* Kontakt-Formular */
  .kontakt-wrapper { padding: 1.5rem 1rem; }

  /* Kein horizontaler Scroll */
  .roi-wrapper,
  .bav-unified-outer { overflow-x: hidden; }
}

/* ═══════════════════════════════════════════════════════
   PUBLIC STARTSEITE – Trust Bar + How-It-Works + ZG-Cards
═══════════════════════════════════════════════════════ */

/* Trust-Bar im Hero */
.hero-trust-bar {
  display: flex; align-items: flex-start; gap: 0; margin-top: 2.5rem;
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px; overflow: hidden;
}
.trust-stat {
  flex: 1; padding: 1.25rem 1.5rem;
  display: flex; flex-direction: column; gap: 0.35rem;
}
.trust-num {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.55rem; font-weight: 700; color: var(--accent);
  line-height: 1;
}
.trust-label { font-size: 0.78rem; color: rgba(255,255,255,0.55); line-height: 1.45; }
.trust-divider { width: 1px; background: rgba(255,255,255,0.08); align-self: stretch; }

/* How it works */
.how-section { background: var(--navy); padding: 5rem 4rem; }
.how-inner { max-width: 900px; margin: 0 auto; }
.how-inner h2 { margin: 0.5rem 0 3rem; }
.how-steps { display: flex; align-items: flex-start; gap: 0; }
.how-step { flex: 1; display: flex; flex-direction: column; align-items: center; text-align: center; }
.how-num {
  width: 3rem; height: 3rem; border-radius: 50%;
  background: rgba(200,169,81,0.12); border: 2px solid rgba(200,169,81,0.4);
  color: var(--accent); font-size: 1.1rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1rem; flex-shrink: 0;
}
.how-body h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
.how-body p  { font-size: 0.85rem; color: rgba(255,255,255,0.55); line-height: 1.6; }
.how-connector {
  flex: 0 0 3rem; height: 2px; background: rgba(200,169,81,0.2);
  margin-top: 1.45rem; align-self: flex-start;
}

/* Zielgruppen-Section */
.zielgruppen-section { background: var(--deep); padding: 5rem 4rem; }
.zg-inner { max-width: 1000px; margin: 0 auto; }
.zg-inner h2 { margin: 0.5rem 0 2.5rem; }
.zg-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.zg-card {
  display: flex; flex-direction: column; gap: 0;
  border-radius: 20px; overflow: hidden; text-decoration: none;
  border: 1px solid rgba(255,255,255,0.1);
  transition: transform 0.25s, border-color 0.25s, box-shadow 0.25s;
}
.zg-card:hover { transform: translateY(-4px); box-shadow: 0 16px 48px rgba(0,0,0,0.3); }
.zg-card-top { padding: 2rem 2rem 1.5rem; flex: 1; }
.zg-badge {
  display: inline-block; font-size: 0.72rem; font-weight: 700; letter-spacing: 1px;
  text-transform: uppercase; padding: 0.3rem 0.8rem; border-radius: 100px;
  margin-bottom: 1rem;
}
.zg-card h2 { font-size: 1.5rem; margin: 0 0 0.75rem; }
.zg-card p  { font-size: 0.88rem; color: rgba(255,255,255,0.6); line-height: 1.6; margin: 0; }
.zg-features { padding: 1.25rem 2rem; border-top: 1px solid rgba(255,255,255,0.07); display: flex; flex-direction: column; gap: 0.5rem; }
.zg-feature { font-size: 0.82rem; color: rgba(255,255,255,0.75); display: flex; align-items: center; gap: 0.5rem; }
.zg-cta {
  display: block; padding: 1rem 2rem;
  font-size: 0.88rem; font-weight: 700; letter-spacing: 0.3px;
  border-top: 1px solid rgba(255,255,255,0.07);
}

/* AG-Karte */
.zg-ag { background: linear-gradient(145deg, rgba(30,58,95,0.6) 0%, rgba(13,27,42,0.9) 100%); }
.zg-ag:hover { border-color: rgba(200,169,81,0.4); }
.zg-ag .zg-badge  { background: rgba(200,169,81,0.12); color: var(--accent); }
.zg-ag .zg-cta    { color: var(--accent); }
.zg-ag .zg-feature::before { content: ''; }

/* AN-Karte */
.zg-an { background: linear-gradient(145deg, rgba(20,60,50,0.5) 0%, rgba(13,27,42,0.9) 100%); }
.zg-an:hover { border-color: rgba(61,187,138,0.4); }
.zg-an .zg-badge  { background: rgba(61,187,138,0.12); color: var(--success); }
.zg-an .zg-cta    { color: var(--success); }

/* ═══════════════════════════════════════════════════════
   AG-DASHBOARD – Fortschritt-Tracker
═══════════════════════════════════════════════════════ */
.fortschritt-section {
  background: var(--navy);
  padding: 3rem 4rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.fortschritt-inner { max-width: 860px; margin: 0 auto; }

.fortschritt-top {
  display: flex; align-items: flex-start; justify-content: space-between;
  margin-bottom: 1.25rem;
}
.fortschritt-title { font-size: 1.5rem; margin: 0.2rem 0 0; font-weight: 700; }
.fortschritt-count {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 2.8rem; font-weight: 700; color: var(--accent); line-height: 1;
}
.fortschritt-count span { font-size: 1.2rem; color: rgba(255,255,255,0.35); }

.fortschritt-bar-wrap { display: flex; align-items: center; gap: 1rem; margin-bottom: 2rem; }
.fortschritt-bar-track {
  flex: 1; height: 6px; border-radius: 3px;
  background: rgba(255,255,255,0.08);
}
.fortschritt-bar-fill {
  height: 100%; border-radius: 3px;
  background: linear-gradient(90deg, var(--accent), var(--success));
  transition: width 0.6s cubic-bezier(.4,0,.2,1);
}
.fortschritt-pct { font-size: 0.8rem; font-weight: 700; color: var(--accent); white-space: nowrap; }

.fortschritt-steps {
  display: grid; grid-template-columns: repeat(5, 1fr);
  gap: 0.75rem; margin-bottom: 1.75rem;
}
.fst-item {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: 0.6rem; padding: 1rem 0.5rem; border-radius: 14px;
  border: 1px solid rgba(255,255,255,0.07);
  background: rgba(255,255,255,0.02);
  text-decoration: none; transition: all 0.2s;
}
.fst-done {
  border-color: rgba(61,187,138,0.3); background: rgba(61,187,138,0.05);
}
.fst-active {
  border-color: rgba(200,169,81,0.4); background: rgba(200,169,81,0.06);
  box-shadow: 0 0 0 3px rgba(200,169,81,0.08);
}
.fst-pending { opacity: 0.5; cursor: default; }
.fst-item:hover.fst-done, .fst-item:hover.fst-active { border-color: rgba(200,169,81,0.6); transform: translateY(-2px); }
.fst-dot {
  width: 2rem; height: 2rem; border-radius: 50%; font-size: 0.85rem;
  display: flex; align-items: center; justify-content: center; font-weight: 700;
}
.fst-done .fst-dot  { background: rgba(61,187,138,0.2); color: var(--success); }
.fst-active .fst-dot { background: rgba(200,169,81,0.2); color: var(--accent); }
.fst-pending .fst-dot { background: rgba(255,255,255,0.06); color: rgba(255,255,255,0.3); }
.fst-label { font-size: 0.75rem; font-weight: 600; line-height: 1.3; }
.fst-done .fst-label { color: var(--success); }
.fst-active .fst-label { color: var(--accent); }
.fst-pending .fst-label { color: rgba(255,255,255,0.4); }
.fst-sub { font-size: 0.68rem; color: rgba(255,255,255,0.4); line-height: 1.4; }

.fortschritt-cta { display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap; }
.fortschritt-cta-hint { font-size: 0.82rem; color: rgba(255,255,255,0.45); }
.fortschritt-complete { font-size: 0.9rem; color: var(--success); }

/* Responsive */
@media (max-width: 900px) {
  .how-steps { flex-direction: column; align-items: stretch; }
  .how-step  { flex-direction: row; text-align: left; gap: 1rem; }
  .how-connector { display: none; }
  .how-num { margin-bottom: 0; flex-shrink: 0; }
  .zg-grid { grid-template-columns: 1fr; }
  .fortschritt-steps { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .hero-trust-bar { flex-direction: column; }
  .trust-divider { width: auto; height: 1px; }
  .how-section, .zielgruppen-section { padding: 4rem 1.5rem; }
  .zg-card-top { padding: 1.5rem 1.5rem 1rem; }
  .zg-features  { padding: 1rem 1.5rem; }
  .zg-cta       { padding: 0.85rem 1.5rem; }
  .fortschritt-section { padding: 2.5rem 1.25rem; }
  .fortschritt-steps { grid-template-columns: 1fr; }
  .fst-item { flex-direction: row; text-align: left; }
}

/* ── AG-Kontext-Banner (Berater/Admin-Modus) ─────────────────────────────── */
.context-banner {
  display: flex;
  align-items: center;
  gap: .75rem 1.25rem;
  padding: .5rem 1.5rem;
  font-size: .82rem;
  flex-wrap: wrap;
  position: sticky;
  top: 0;
  z-index: 90;
}
.context-banner--active {
  background: linear-gradient(135deg, #1e3a5f 0%, #1d4ed8 100%);
  color: #bfdbfe;
}
.context-banner--empty {
  background: linear-gradient(135deg, #7f1d1d 0%, #b91c1c 100%);
  color: #fee2e2;
}
.context-banner-info {
  display: flex;
  align-items: center;
  gap: .45rem;
  flex-wrap: wrap;
  flex: 1;
  min-width: 0;
}
.context-banner-dot {
  width: .55rem;
  height: .55rem;
  border-radius: 50%;
  background: #4ade80;
  flex-shrink: 0;
  box-shadow: 0 0 6px #4ade80;
}
.context-banner-dot--empty {
  background: #f87171;
  box-shadow: 0 0 6px #f87171;
}
.context-banner-label      { color: inherit; opacity: .75; white-space: nowrap; }
.context-banner-label--empty { opacity: 1; font-weight: 600; }
.context-banner-firma      { color: #fff; font-weight: 700; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; max-width: 220px; }
.context-banner-form {
  display: flex;
  align-items: center;
  gap: .4rem;
  flex-shrink: 0;
}
.context-banner-select {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.3);
  color: #fff;
  padding: .25rem .5rem;
  border-radius: 6px;
  font-size: .8rem;
  max-width: 180px;
  cursor: pointer;
}
.context-banner-select option { background: #1e293b; color: #fff; }
.context-banner-btn {
  background: rgba(255,255,255,.18);
  border: 1px solid rgba(255,255,255,.35);
  color: #fff;
  padding: .28rem .8rem;
  border-radius: 6px;
  font-size: .8rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  transition: background .15s;
}
.context-banner-btn:hover { background: rgba(255,255,255,.3); }
.context-banner-exit {
  background: transparent;
  border: 1px solid rgba(255,255,255,.3);
  color: rgba(255,255,255,.7);
  width: 1.6rem;
  height: 1.6rem;
  border-radius: 50%;
  font-size: .85rem;
  line-height: 1;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background .15s, color .15s;
}

/* ─── AG-BUDGET-CALLOUT (AN-Portal) ─── */
.ag-budget-callout {
  display: flex;
  align-items: center;
  gap: .75rem;
  background: linear-gradient(135deg, rgba(59,130,246,.12), rgba(16,185,129,.08));
  border: 1px solid rgba(59,130,246,.25);
  border-left: 4px solid var(--ag-primary, #3b82f6);
  border-radius: 10px;
  padding: 1rem 1.4rem;
  margin: 0 auto 2rem;
  max-width: 860px;
  font-size: .95rem;
  color: rgba(255,255,255,.85);
}
.ag-budget-callout strong { color: #fff; font-size: 1.05rem; }

/* ─── BERATER-KONTAKT-BOX (AN-Portal) ─── */
.berater-kontakt-box {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 12px;
  padding: 1.4rem 1.6rem;
  margin-bottom: 1.75rem;
  max-width: 520px;
}
.berater-kontakt-label {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.35);
  margin-bottom: .6rem;
}
.berater-name {
  font-size: 1.05rem;
  font-weight: 600;
  color: #fff;
  margin-bottom: .75rem;
}
.berater-kontakt-items {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem .9rem;
  align-items: center;
}
.berater-kontakt-item {
  font-size: .88rem;
  color: rgba(255,255,255,.7);
  text-decoration: none;
  transition: color .15s;
}
.berater-kontakt-item:hover { color: #fff; }
.berater-kontakt-item.btn-s.btn-ok {
  color: #fff;
  font-weight: 600;
  text-decoration: none;
}
.context-banner-exit:hover { background: rgba(255,255,255,.15); color: #fff; }