/* =========================================================
   IMMFIMA – zentrale Website-Styles
   Datei: assets/css/style.css
   ========================================================= */

/* ---------------------------------------------------------
   1. Designsystem
   --------------------------------------------------------- */

:root {
    --bg: #f5f7fb;
    --surface: #ffffff;
    --surface-soft: #eef4f8;

    --text: #172338;
    --muted: #657086;

    --primary: #0b4d78;
    --primary-dark: #073653;
    --primary-light: #12689d;

    --accent: #d4a12a;
    --accent-dark: #ae7b10;

    --line: #dce4ee;
    --line-strong: #c8d3e0;

    --success-bg: #eaf7ef;
    --success-text: #176b3a;

    --error-bg: #fff0f0;
    --error-text: #9a2626;

    --shadow-sm: 0 5px 18px rgba(20, 42, 70, 0.07);
    --shadow-md: 0 14px 38px rgba(20, 42, 70, 0.10);
    --shadow-lg: 0 24px 64px rgba(20, 42, 70, 0.14);

    --radius-sm: 10px;
    --radius-md: 16px;
    --radius-lg: 24px;
    --radius-pill: 999px;

    --container: 1280px;
    --transition: 180ms ease;
}

:root {
    --header-offset: 220px;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: var(--header-offset);
}

#finanz-check {
    scroll-margin-top: var(--header-offset);
}
/* ---------------------------------------------------------
   2. Reset und Grundlayout
   --------------------------------------------------------- */

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 220px;
}

#finanz-check {
    scroll-margin-top: 220px;
}

body {
    margin: 0;
    min-width: 320px;
    overflow-x: hidden;
    color: var(--text);
    background: var(--bg);
    font-family:
            Inter,
            ui-sans-serif,
            system-ui,
            -apple-system,
            BlinkMacSystemFont,
            "Segoe UI",
            sans-serif;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}

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

a {
    color: inherit;
    text-decoration: none;
}

button,
input,
select,
textarea {
    font: inherit;
}

button {
    cursor: pointer;
}

.container {
    width: min(var(--container), calc(100% - 40px));
    margin-inline: auto;
}
/* ============================================================
   FÜR WEN WIR DA SIND
============================================================ */

.audience-section {
    padding: 78px 0 88px;
    background: #f5f8fc;
}

.audience-section__container {
    width: min(1180px, calc(100% - 40px));
    margin-inline: auto;
}

.audience-section__header {
    max-width: 920px;
    margin-bottom: 54px;
}

.audience-section__eyebrow {
    margin: 0 0 14px;
    color: #b88408;
    font-size: 0.76rem;
    font-weight: 800;
    letter-spacing: 0.18em;
    text-transform: uppercase;
}

.audience-section__header h1,
.audience-section__header h2 {
    max-width: 900px;
    margin: 0;
    color: #07396f;
    font-size: clamp(2.5rem, 5vw, 4.2rem);
    line-height: 1.05;
    letter-spacing: -0.045em;
    text-wrap: balance;
}

.audience-section__intro {
    max-width: 760px;
    margin: 22px 0 0;
    color: #68788e;
    font-size: 1.05rem;
    line-height: 1.75;
}

.audience-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
    align-items: stretch;
}

.audience-card {
    display: flex;
    min-height: 300px;
    padding: 30px 28px;
    border: 1px solid #d7e1ec;
    border-radius: 18px;
    background: #ffffff;
    box-shadow: 0 14px 38px rgba(7, 57, 111, 0.06);
    transition:
            transform 0.22s ease,
            box-shadow 0.22s ease,
            border-color 0.22s ease;
}

.audience-card:hover {
    transform: translateY(-4px);
    border-color: rgba(201, 154, 36, 0.5);
    box-shadow: 0 20px 48px rgba(7, 57, 111, 0.1);
}

.audience-card__content {
    display: flex;
    flex-direction: column;
    width: 100%;
}

.audience-card h3 {
    margin: 0 0 18px;
    color: #07396f;
    font-size: clamp(1.8rem, 2.8vw, 2.5rem);
    line-height: 1.08;
    letter-spacing: -0.035em;
    overflow-wrap: anywhere;
    text-wrap: balance;
}

.audience-card p {
    margin: 0;
    color: #68788e;
    font-size: 0.98rem;
    line-height: 1.72;
}

.audience-card::before {
    content: "";
    display: block;
    width: 44px;
    height: 4px;
    margin-bottom: 24px;
    border-radius: 999px;
    background: #c99a24;
}

@media (max-width: 980px) {
    .audience-grid {
        grid-template-columns: 1fr;
    }

    .audience-card {
        min-height: auto;
    }
}

@media (max-width: 640px) {
    .audience-section {
        padding: 56px 0 64px;
    }

    .audience-section__container {
        width: min(100% - 28px, 1180px);
    }

    .audience-section__header {
        margin-bottom: 34px;
    }

    .audience-section__header h1,
    .audience-section__header h2 {
        font-size: 2.55rem;
    }

    .audience-card {
        padding: 26px 22px;
    }

    .audience-card h3 {
        font-size: 2rem;
    }
    .audience-card h3 {
        font-size: clamp(1.75rem, 2.4vw, 2.35rem);
        line-height: 1.08;
        letter-spacing: -0.035em;
        hyphens: auto;
        overflow-wrap: normal;
        word-break: normal;
    }
}

/* ---------------------------------------------------------
   3. Header
   --------------------------------------------------------- */

.site-header {
    position: sticky;
    top: 12px;
    z-index: 1000;
    width: calc(100% - 28px);
    margin: 12px auto 0;
    background: rgba(255, 255, 255, 0.97);
    border: 1px solid var(--line);
    border-radius: 20px;
    box-shadow: var(--shadow-sm);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
}

.site-header .container {
    width: min(1540px, calc(100% - 40px));
}

.nav-wrap {
    min-height: 108px;
    display: flex;
    align-items: center;
    gap: 30px;
    padding: 14px 0;
}

/* Marke */

.brand {
    display: inline-flex;
    align-items: center;
    gap: 16px;
    flex: 0 0 auto;
    min-width: max-content;
}

.site-header .brand-logo,
.site-header .brand img,
.site-header .site-logo {
    width: 100px;
    height:100px;
    height:100px;
    flex: 0 0 88px;
}

.brand-text {
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 3px;
}

.brand strong,
.brand-name,
.site-title {
    display: block;
    margin: 0;
    color: #14243b;
    font-size: 1.58rem;
    font-weight: 850;
    line-height: 1.05;
    letter-spacing: 0.09em;
}

.brand small,
.brand-text span,
.brand-subtitle,
.site-description {
    display: block;
    margin: 0;
    color: #394a60;
    font-size: 1.03rem;
    font-weight: 500;
    line-height: 1.25;
    white-space: nowrap;
}

/* Navigation */

.main-nav {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 5px;
    flex: 1 1 auto;
    min-width: 0;
    margin-left: auto;
}

.main-nav > a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 auto;
    min-height: 46px;
    padding: 10px 12px;
    color: var(--text);
    background: transparent;
    border: 1px solid transparent;
    border-radius: 11px;
    font-size: 0.96rem;
    font-weight: 650;
    line-height: 1.2;
    white-space: nowrap;
    transition:
            color var(--transition),
            background-color var(--transition),
            border-color var(--transition),
            transform var(--transition),
            box-shadow var(--transition);
}

.main-nav > a:not(.nav-appointment):hover,
.main-nav > a:not(.nav-appointment):focus-visible {
    color: var(--primary);
    background: #f1f6fa;
    border-color: #d8e5ee;
}

.main-nav > a:not(.nav-appointment).active {
    color: var(--primary);
    background: #eaf3f8;
    border-color: #bfd3e1;
}

/* Termin buchen */

.main-nav .nav-appointment {
    margin-left: 10px;
    min-height: 48px;
    padding: 12px 21px;
    color: #ffffff;
    background: linear-gradient(135deg, var(--accent), var(--accent-dark));
    border-color: var(--accent-dark);
    border-radius: var(--radius-pill);
    box-shadow: 0 8px 20px rgba(174, 123, 16, 0.26);
    font-size: 0.98rem;
    font-weight: 800;
}

.main-nav .nav-appointment::before {
    content: "📅";
    margin-right: 8px;
    font-size: 1rem;
    line-height: 1;
}

.main-nav .nav-appointment:hover,
.main-nav .nav-appointment:focus-visible,
.main-nav .nav-appointment.active {
    color: #ffffff;
    background: linear-gradient(135deg, #e0ad31, #986908);
    border-color: #986908;
    transform: translateY(-1px);
    box-shadow: 0 11px 25px rgba(174, 123, 16, 0.32);
}

/* Mobiles Menü */

.menu-toggle {
    display: none;
    width: 48px;
    height: 48px;
    align-items: center;
    justify-content: center;
    flex: 0 0 48px;
    padding: 0;
    color: var(--primary);
    background: #ffffff;
    border: 1px solid var(--line);
    border-radius: 12px;
    font-size: 1.65rem;
    line-height: 1;
}

/* ---------------------------------------------------------
   4. Buttons
   --------------------------------------------------------- */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 48px;
    padding: 12px 22px;
    border: 1px solid transparent;
    border-radius: var(--radius-pill);
    font-weight: 750;
    line-height: 1.2;
    transition:
            transform var(--transition),
            background-color var(--transition),
            border-color var(--transition),
            box-shadow var(--transition);
}

.btn:hover,
.btn:focus-visible {
    transform: translateY(-1px);
}

.btn-primary {
    color: #ffffff;
    background: var(--primary);
    border-color: var(--primary);
    box-shadow: 0 7px 18px rgba(11, 77, 120, 0.20);
}

.btn-primary:hover,
.btn-primary:focus-visible {
    background: var(--primary-dark);
    border-color: var(--primary-dark);
}

.btn-secondary {
    color: var(--primary);
    background: #ffffff;
    border-color: var(--line-strong);
}

.btn-secondary:hover,
.btn-secondary:focus-visible {
    background: #f3f7fa;
    border-color: var(--primary);
}

.btn-light {
    color: var(--primary);
    background: #ffffff;
}

.btn-outline-light {
    color: #ffffff;
    background: transparent;
    border-color: rgba(255, 255, 255, 0.62);
}

.btn-gold {
    color: #ffffff;
    background: var(--accent);
    border-color: var(--accent);
    box-shadow: 0 7px 18px rgba(212, 161, 42, 0.22);
}

.btn-gold:hover,
.btn-gold:focus-visible {
    background: var(--accent-dark);
    border-color: var(--accent-dark);
}

/* ---------------------------------------------------------
   5. Typografie
   --------------------------------------------------------- */

.eyebrow {
    display: inline-block;
    color: var(--accent-dark);
    font-size: 0.78rem;
    font-weight: 850;
    line-height: 1.2;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}

.lead {
    max-width: 760px;
    color: var(--muted);
    font-size: clamp(1.08rem, 1.8vw, 1.3rem);
}

.centered {
    text-align: center;
}

.gold-text {
    color: var(--accent);
}

/* ---------------------------------------------------------
   6. Hero allgemein
   --------------------------------------------------------- */

.hero {
    padding: 88px 0 72px;
    background:
            radial-gradient(circle at 80% 15%, rgba(18, 104, 157, 0.15), transparent 30%),
            linear-gradient(180deg, #eef5fa 0%, var(--bg) 100%);
}

.hero-grid,
.split {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
    gap: 52px;
    align-items: center;
}

.hero h1 {
    margin: 16px 0 24px;
    color: #0c315d;
    font-size: clamp(2.8rem, 6vw, 4.65rem);
    font-weight: 820;
    line-height: 1.02;
    letter-spacing: -0.04em;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 30px 0;
}

.trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
    color: #3f4d60;
    font-size: 0.9rem;
}

/* ---------------------------------------------------------
   7. Startseite V2
   --------------------------------------------------------- */

.hero-modern .hero-grid,
.hero-image,
.hero-image img {
    display: block;
    width: 99%;
    margin: 0;
}

.hero-modern .container {
    width: 100%;
    max-width: none;
    padding: 0;
}

.hero-modern .hero-grid {
    grid-template-columns: 44% 56%;
    gap: 0;
    align-items: stretch;
}

.hero-copy {
    padding: 50px max(5vw, 38px);
}

.hero-copy h1 {
    margin: 0.45rem 0;
    color: #0b315e;
    font-size: clamp(2.25rem, 3.4vw, 3.75rem);
    line-height: 1.08;
}

.hero-subline {
    color: #0b315e;
    font-size: clamp(1.25rem, 1.9vw, 1.9rem);
    font-weight: 600;
    line-height: 1.35;
}

.hero-image {
    position: relative;
    min-height: 420px;
    overflow: hidden;
}

.hero-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-image-note {
    position: absolute;
    top: 18px;
    right: 18px;
    padding: 8px 12px;
    color: var(--text);
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(255, 255, 255, 0.70);
    border-radius: 9px;
    box-shadow: var(--shadow-sm);
    font-size: 0.8rem;
}

.hero-badge {
    position: absolute;
    right: 0;
    bottom: 0;
    min-width: 300px;
    padding: 20px 32px;
    color: #ffffff;
    background: rgba(6, 56, 107, 0.96);
}

.trust-icons {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
    margin-top: 28px;
    font-size: 0.84rem;
}

/* ---------------------------------------------------------
   8. Sektionen
   --------------------------------------------------------- */

.section {
    padding: 82px 0;
}

.soft {
    background: var(--surface-soft);
}

.section-head {
    max-width: 760px;
    margin-bottom: 38px;
}

.section h2,
.page-hero h1 {
    color: #0b315e;
    line-height: 1.1;
    letter-spacing: -0.03em;
}

.section h2 {
    margin: 10px 0;
    font-size: clamp(2rem, 4vw, 3rem);
}

.page-hero {
    padding: 62px 0 32px;
}

.page-hero h1 {
    margin: 10px 0 14px;
    font-size: clamp(2.15rem, 4.2vw, 3.6rem);
}

.page-hero p {
    max-width: 760px;
    margin-bottom: 0;
    color: var(--muted);
    font-size: 1.12rem;
}

/* ---------------------------------------------------------
   9. Karten
   --------------------------------------------------------- */

.hero-card,
.timeline-card,
.content-card,
.feature-card {
    background: var(--surface);
    border: 1px solid var(--line);
    box-shadow: var(--shadow-sm);
}

.hero-card,
.timeline-card {
    padding: 30px;
    border-radius: var(--radius-lg);
}

.hero-card h2 {
    margin-top: 0;
}

.hero-card > a {
    display: block;
    padding: 17px 0;
    color: var(--primary);
    border-top: 1px solid var(--line);
    font-weight: 750;
}

.card-grid {
    display: grid;
    gap: 20px;
}

.card-grid.four {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.card-grid.five {
    grid-template-columns: repeat(5, minmax(0, 1fr));
}

.feature-card {
    padding: 28px;
    border-radius: 20px;
    transition:
            transform var(--transition),
            box-shadow var(--transition);
}

.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.feature-card span,
.card-icon {
    color: var(--accent);
    font-size: 2.1rem;
}

.feature-card h3 {
    margin: 18px 0 8px;
}

.feature-card p,
.content-card p {
    color: var(--muted);
}

.content-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}

.content-card {
    padding: 28px;
    border-radius: 18px;
}

/* ---------------------------------------------------------
   10. Zielgruppen und Finanzcheck
   --------------------------------------------------------- */

.goals-section {
    padding-top: 34px;
    padding-bottom: 34px;
}

.goals-section .feature-card {
    text-align: center;
}

.goals-section .feature-card b {
    color: var(--accent);
    font-size: 1.4rem;
}

.highlight-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

.public-service-panel {
    padding: 36px;
    color: #ffffff;
    background: #06386b;
    border-radius: 16px;
    box-shadow: var(--shadow-md);
}

.public-service-panel h2 {
    color: #ffffff;
}

.life-stages {
    display: grid;
    grid-template-columns: repeat(6, minmax(0, 1fr));
    gap: 12px;
    margin: 28px 0;
}

.life-stages span {
    text-align: center;
    font-size: 1.8rem;
}

.life-stages small {
    display: block;
    margin-top: 7px;
    font-size: 0.72rem;
}

.finance-check-panel {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 180px;
    gap: 22px;
    padding: 36px;
    background: #f7f9fc;
    border: 1px solid var(--line);
    border-radius: 16px;
}

.check-action {
    text-align: center;
}

.time-circle {
    width: 130px;
    height: 130px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    margin: 0 auto 18px;
    border: 12px solid #dce5f3;
    border-top-color: #06386b;
    border-radius: 50%;
}

.time-circle strong {
    color: #06386b;
    font-size: 2.4rem;
}

.values-strip {
    padding-top: 20px;
    text-align: center;
}

.values-strip span {
    color: #06386b;
    font-size: 2rem;
}

.values-strip p {
    font-size: 0.85rem;
}

/* ---------------------------------------------------------
   11. Schritte und Timeline
   --------------------------------------------------------- */

.timeline-card {
    display: grid;
    gap: 10px;
}

.timeline-card div {
    padding: 14px 16px;
    background: #f7fafc;
    border-left: 4px solid var(--primary-light);
    border-radius: 12px;
}

.steps {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 20px;
}

.steps > div {
    padding: 27px;
    background: #ffffff;
    border: 1px solid var(--line);
    border-radius: 18px;
    box-shadow: var(--shadow-sm);
}

.steps strong {
    color: var(--primary-light);
    font-size: 0.82rem;
}

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

/* ---------------------------------------------------------
   12. Call-to-Action
   --------------------------------------------------------- */

.cta-section {
    padding-top: 20px;
}

.cta-box {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    padding: 46px;
    color: #ffffff;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    border-radius: 28px;
    box-shadow: var(--shadow-md);
}

.cta-box h2 {
    margin-bottom: 8px;
    color: #ffffff;
}

.cta-box .eyebrow {
    color: #bfe5fb;
}

.cta-box > div:last-child {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

/* ---------------------------------------------------------
   13. Formulare
   --------------------------------------------------------- */

.form-wrap {
    max-width: 980px;
    margin: 28px auto;
    padding: 36px;
    background: #ffffff;
    border: 1px solid var(--line);
    border-radius: 22px;
    box-shadow: var(--shadow-md);
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group.full {
    grid-column: 1 / -1;
}

label {
    color: #24344a;
    font-weight: 720;
}

input,
select,
textarea {
    width: 100%;
    padding: 13px 15px;
    color: var(--text);
    background: #ffffff;
    border: 1px solid #c9d4e1;
    border-radius: 12px;
    outline: none;
    transition:
            border-color var(--transition),
            box-shadow var(--transition),
            background-color var(--transition);
}

input:hover,
select:hover,
textarea:hover {
    border-color: #9fb2c5;
}

input:focus,
select:focus,
textarea:focus {
    border-color: var(--primary-light);
    box-shadow: 0 0 0 4px rgba(18, 104, 157, 0.12);
}

textarea {
    min-height: 140px;
    resize: vertical;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-weight: 500;
}

.checkbox-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-top: 3px;
    flex: 0 0 18px;
}

.notice {
    max-width: 980px;
    margin: 0 auto 20px;
    padding: 15px 17px;
    border-radius: 12px;
    font-weight: 600;
}

.notice.success {
    color: var(--success-text);
    background: var(--success-bg);
    border: 1px solid #b9dfc0;
}

.notice.error {
    color: var(--error-text);
    background: var(--error-bg);
    border: 1px solid #efb7b7;
}

/* ---------------------------------------------------------
   14. Footer
   --------------------------------------------------------- */

.site-footer {
    margin-top: 70px;
    padding: 52px 0 20px;
    color: #d7deea;
    background: #101a28;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 34px;
}

.site-footer a {
    color: #ffffff;
}

.site-footer a:hover,
.site-footer a:focus-visible {
    text-decoration: underline;
}

.footer-bottom {
    margin-top: 34px;
    padding-top: 18px;
    color: #97a5b9;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    font-size: 0.82rem;
}

/* ---------------------------------------------------------
   15. Fokus
   --------------------------------------------------------- */

a:focus-visible,
button:focus-visible {
    outline: 3px solid rgba(18, 104, 157, 0.30);
    outline-offset: 3px;
}

/* ---------------------------------------------------------
   16. Responsive
   --------------------------------------------------------- */

/* Früher Wechsel ins mobile Menü, bevor Links umbrechen */
@media (max-width: 1320px) {
    .site-header {
        top: 8px;
    }

    .nav-wrap {
        min-height: 92px;
    }

    .menu-toggle {
        display: inline-flex;
        margin-left: auto;
    }

    .main-nav {
        position: absolute;
        top: calc(100% + 10px);
        right: 0;
        left: 0;
        display: none;
        flex-direction: column;
        align-items: stretch;
        gap: 5px;
        margin: 0;
        padding: 16px;
        background: #ffffff;
        border: 1px solid var(--line);
        border-radius: 16px;
        box-shadow: var(--shadow-md);
    }

    .main-nav.open {
        display: flex;
    }

    .main-nav > a {
        width: 100%;
        justify-content: flex-start;
        padding: 12px 14px;
        font-size: 1rem;
    }

    .main-nav .nav-appointment {
        justify-content: center;
        margin: 7px 0 0;
        padding: 13px 18px;
    }

    .hero-grid,
    .split,
    .highlight-grid,
    .hero-modern .hero-grid {
        grid-template-columns: 1fr;
    }

    .hero-modern .container {
        padding: 0;
    }

    .card-grid.five {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .card-grid.four,
    .steps {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

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

@media (max-width: 1100px) {
    html {
        scroll-padding-top: 190px;
    }

    #finanz-check {
        scroll-margin-top: 190px;
    }
}

@media (max-width: 768px) {
    html {
        scroll-padding-top: 120px;
    }

    #finanz-check {
        scroll-margin-top: 120px;
    }
}

@media (max-width: 760px) {
    .container {
        width: min(100% - 28px, var(--container));
    }

    .site-header {
        top: 5px;
        width: calc(100% - 14px);
        margin-top: 6px;
        border-radius: 15px;
    }

    .site-header .container {
        width: calc(100% - 24px);
    }

    .nav-wrap {
        min-height: 78px;
        padding: 10px 0;
    }

    .brand {
        gap: 11px;
    }

    .brand-logo,
    .brand img,
    .site-logo {
        width: 56px;
        height: 56px;
        flex-basis: 56px;
        border-radius: 12px;
    }

    .brand strong,
    .brand-name,
    .site-title {
        font-size: 1.15rem;
        letter-spacing: 0.07em;
    }

    .brand small,
    .brand-text span,
    .brand-subtitle,
    .site-description {
        font-size: 0.86rem;
    }

    .hero {
        padding: 58px 0 52px;
    }

    .hero h1 {
        font-size: clamp(2.35rem, 12vw, 3.1rem);
    }

    .hero-copy {
        padding: 34px 22px;
    }

    .hero-image {
        min-height: 310px;
    }

    .hero-badge {
        min-width: 0;
        width: min(92%, 320px);
        padding: 16px 20px;
    }

    .section {
        padding: 60px 0;
    }

    .page-hero {
        padding: 46px 0 22px;
    }

    .trust-icons,
    .card-grid.four,
    .card-grid.five,
    .steps,
    .content-grid,
    .form-grid,
    .footer-grid,
    .finance-check-panel {
        grid-template-columns: 1fr;
    }

    .life-stages {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .form-wrap {
        margin: 18px auto;
        padding: 22px;
        border-radius: 17px;
    }

    .form-group.full {
        grid-column: auto;
    }

    .cta-box {
        align-items: flex-start;
        flex-direction: column;
        padding: 32px 24px;
    }
}

@media (max-width: 440px) {
    .brand small,
    .brand-text span,
    .brand-subtitle,
    .site-description {
        display: none;
    }

    .menu-toggle {
        width: 42px;
        height: 42px;
        flex-basis: 42px;
    }

    .hero-actions,
    .cta-box > div:last-child {
        flex-direction: column;
        align-items: stretch;
    }

    .btn {
        width: 100%;
    }

    .life-stages {
        grid-template-columns: 1fr 1fr;
    }
}

/* =========================================================
   Header – abschließende Feinabstimmung
   ========================================================= */
}

/* =========================================================
   HERO-BADGE – bündig mit dem Bild
   ========================================================= */

.hero-image {
    position: relative;
    overflow: hidden;
}

.hero-badge {
    position: absolute;
    right: 0;
    bottom: 0;
    margin: 0;
    width: 340px;
    max-width: 100%;
    box-sizing: border-box;

    background: #0b4d78;
    color: #ffffff;

    padding: 18px 26px;
    border-radius: 0;
}

/* Text im Balken */
.hero-badge strong,
.hero-badge b {
    display: block;
    margin: 0 0 4px;
    font-size: 1.05rem;
    line-height: 1.2;
    color: #ffffff;
}

.hero-badge span,
.hero-badge p,
.hero-badge small {
    display: block;
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.35;
    color: rgba(255, 255, 255, 0.95);
}

/* =========================================================
   HEADER FIX – Schrift zentrieren, Hamburger rechts
   ========================================================= */

/* Desktop + allgemein */
.site-header .nav-wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.site-header .brand {
    display: flex;
    align-items: center;
    gap: 18px;
    flex: 1 1 auto;
    min-width: 0;
}

.site-header .brand-logo,
.site-header .brand img,
.site-header .site-logo {
    flex: 0 0 auto;
}

.site-header .brand-text {
    display: flex;
    flex-direction: column;
    justify-content: center;   /* vertikal mittig */
    align-items: flex-start;
    min-width: 0;
}

.site-header .brand strong,
.site-header .brand small,
.site-header .brand-text span {
    margin: 0;
    line-height: 1.15;
}

/* Hamburger immer an den rechten Rand */
.site-header .menu-toggle {
    margin-left: auto;
    flex: 0 0 auto;
}

/* =========================================================
   MOBILE
   ========================================================= */
@media (max-width: 1180px) {

    .site-header .nav-wrap {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 16px;
        padding: 18px 0;
    }

    .site-header .brand {
        flex: 1 1 auto;
        display: flex;
        align-items: center;
        gap: 16px;
        min-width: 0;
    }

    .site-header .brand-logo,
    .site-header .brand img,
    .site-header .site-logo {
        width: 84px;
        height: 84px;
        flex: 0 0 84px;
        object-fit: contain;
        border-radius: 16px;
    }

    .site-header .brand-text {
        display: flex;
        flex-direction: column;
        justify-content: center;   /* vertikal mittig */
        align-items: flex-start;
        min-width: 0;
    }

    .site-header .brand strong {
        font-size: 1.45rem;
        line-height: 1.05;
        margin: 0 0 6px;
        white-space: nowrap;
    }

    .site-header .brand small,
    .site-header .brand-text span {
        font-size: 0.95rem;
        line-height: 1.2;
        margin: 0;
        white-space: nowrap;
    }

    .site-header .menu-toggle {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        margin-left: auto;
        width: 56px;
        height: 56px;
        flex: 0 0 56px;
        order: 2;                 /* sicher rechts */
    }

    /* Menü bleibt darunter verborgen, bis geöffnet */
    .site-header .main-nav {
        position: absolute;
        top: calc(100% + 8px);
        left: 0;
        right: 0;
        display: none;
        flex-direction: column;
        align-items: stretch;
        padding: 16px;
        gap: 6px;
        background: #fff;
        border: 1px solid #dce4ee;
        border-radius: 16px;
        box-shadow: 0 14px 38px rgba(20, 42, 70, 0.14);
        z-index: 1001;
    }

    .site-header .main-nav.open {
        display: flex;
    }
}

/* =========================================================
   KLEINERE HANDYS
   ========================================================= */
@media (max-width: 700px) {
    .site-header .brand-logo,
    .site-header .brand img,
    .site-header .site-logo {
        width: 72px;
        height: 72px;
        flex-basis: 72px;
    }

    .site-header .brand strong {
        font-size: 1.25rem;
    }

    .site-header .brand small,
    .site-header .brand-text span {
        font-size: 0.9rem;
    }

    .site-header .menu-toggle {
        width: 52px;
        height: 52px;
        flex-basis: 52px;
    }
}

/* =========================================================
   Hamburger verbindlich rechts positionieren
   ========================================================= */

@media (max-width: 1320px) {

    .site-header .nav-wrap {
        position: relative;
        min-height: 96px;
        padding-right: 76px;
    }

    .site-header .brand {
        max-width: calc(100% - 76px);
        margin: 0;
    }

    .site-header .menu-toggle {
        position: absolute !important;
        top: 50% !important;
        right: 0 !important;
        bottom: auto !important;
        left: auto !important;

        display: inline-flex !important;
        align-items: center;
        justify-content: center;

        width: 56px;
        height: 56px;
        margin: 0 !important;
        padding: 0;

        transform: translateY(-50%);
        grid-area: unset !important;
        order: unset !important;

        color: #0b4d78;
        background: #ffffff;
        border: 1px solid #cfdce7;
        border-radius: 14px;

        font-size: 1.7rem;
        line-height: 1;
        z-index: 20;
    }

    .site-header .main-nav {
        position: absolute;
        top: calc(100% + 8px);
        right: 0;
        left: 0;
        z-index: 100;
    }
}