/* ============================================================
   FLORIN+ — Global Stylesheet
   CI: MyWage / Florinplus Brand
   Fonts: Plus Jakarta Sans (display), Inter (body) — self-hosted, DSGVO-konform
   ============================================================ */

/* Inter – self-hosted (kein Google-Request) */
@font-face { font-family: 'Inter'; src: url('fonts/inter-latin-400-normal.woff2') format('woff2'), url('fonts/inter-latin-400-normal.woff') format('woff'); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: 'Inter'; src: url('fonts/inter-latin-500-normal.woff2') format('woff2'), url('fonts/inter-latin-500-normal.woff') format('woff'); font-weight: 500; font-style: normal; font-display: swap; }
@font-face { font-family: 'Inter'; src: url('fonts/inter-latin-600-normal.woff2') format('woff2'), url('fonts/inter-latin-600-normal.woff') format('woff'); font-weight: 600; font-style: normal; font-display: swap; }
@font-face { font-family: 'Inter'; src: url('fonts/inter-latin-700-normal.woff2') format('woff2'), url('fonts/inter-latin-700-normal.woff') format('woff'); font-weight: 700; font-style: normal; font-display: swap; }

/* Plus Jakarta Sans – self-hosted (kein Google-Request) */
@font-face { font-family: 'Plus Jakarta Sans'; src: url('fonts/plus-jakarta-sans-latin-600-normal.woff2') format('woff2'), url('fonts/plus-jakarta-sans-latin-600-normal.woff') format('woff'); font-weight: 600; font-style: normal; font-display: swap; }
@font-face { font-family: 'Plus Jakarta Sans'; src: url('fonts/plus-jakarta-sans-latin-700-normal.woff2') format('woff2'), url('fonts/plus-jakarta-sans-latin-700-normal.woff') format('woff'); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: 'Plus Jakarta Sans'; src: url('fonts/plus-jakarta-sans-latin-800-normal.woff2') format('woff2'), url('fonts/plus-jakarta-sans-latin-800-normal.woff') format('woff'); font-weight: 800; font-style: normal; font-display: swap; }

/* === TOKENS === */
:root {
  --blue-primary:   #155EEF;
  --blue-dark:      #0E3FA8;
  --blue-hero:      #1440C4;
  --mint:           #5FE9D0;
  --mint-dark:      #38C9B3;
  --dark:           #081617;
  --text:           #1A2222;
  --text-muted:     #516060;
  --bg-light:       #EFF5F5;
  --bg-white:       #FFFFFF;
  --border:         #E0EBEB;
  --orange:         #F65D36;
  --radius-sm:      8px;
  --radius-md:      14px;
  --radius-lg:      24px;
  --radius-xl:      40px;
  --shadow-sm:      0 2px 12px rgba(21,94,239,0.08);
  --shadow-md:      0 8px 32px rgba(21,94,239,0.13);
  --shadow-lg:      0 16px 56px rgba(21,94,239,0.18);
  --max-w:          1160px;
  --font-display:   'Plus Jakarta Sans', 'Cabinet Grotesk', sans-serif;
  --font-body:      'Inter', system-ui, sans-serif;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* === LAYOUT === */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 120px 0; }

/* === TYPOGRAPHY === */
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.15; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 600; }
p { color: var(--text-muted); line-height: 1.75; }
.lead { font-size: 1.15rem; }
.text-white p, .text-white { color: rgba(255,255,255,0.85); }
.text-center { text-align: center; }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-xl);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
  border: none;
  text-decoration: none;
  white-space: nowrap;
}
.btn--primary {
  background: var(--mint);
  color: var(--dark);
}
.btn--primary:hover {
  background: var(--mint-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn--outline {
  background: transparent;
  color: var(--blue-primary);
  border: 2px solid var(--blue-primary);
}
.btn--outline:hover {
  background: var(--blue-primary);
  color: white;
}
.btn--white {
  background: white;
  color: var(--blue-primary);
}
.btn--white:hover {
  background: var(--bg-light);
}
.btn--lg { padding: 18px 36px; font-size: 1.1rem; }
.btn svg { width: 18px; height: 18px; }

/* === NAVIGATION === */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: white;
  border-bottom: 1px solid var(--border);
  padding: 0;
}
/* Ausgleich für fixed nav (Höhe 72px) */
body { padding-top: 72px; }
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--dark);
}
.nav__logo .logo-icon {
  width: 36px;
  height: 36px;
  background: var(--blue-primary);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.nav__logo .logo-plus {
  color: var(--blue-primary);
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav__links a {
  font-weight: 500;
  color: var(--text-muted);
  transition: color 0.2s;
  font-size: 0.95rem;
}
.nav__links a:hover, .nav__links a.active {
  color: var(--blue-primary);
}
.nav__cta { display: flex; gap: 12px; align-items: center; }
.nav__mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }

/* === HERO === */
.hero {
  background: linear-gradient(135deg, var(--blue-primary) 0%, var(--blue-hero) 50%, #0D2E8A 100%);
  color: white;
  padding: 100px 0 80px;
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(95,233,208,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 64px;
}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(95,233,208,0.15);
  border: 1px solid rgba(95,233,208,0.3);
  color: var(--mint);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 24px;
}
.hero h1 { color: white; margin-bottom: 20px; }
.hero p { color: rgba(255,255,255,0.95); font-size: 1.1rem; margin-bottom: 36px; max-width: 440px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; margin-bottom: 40px; }
.hero__trust {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
}
.hero__avatars {
  display: flex;
}
.hero__avatars span {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid white;
  background: var(--blue-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 700;
  color: white;
  margin-left: -8px;
}
.hero__avatars span:first-child { margin-left: 0; }
.hero__visual { display: flex; justify-content: center; align-items: center; position: relative; }
.card-img { width: 100%; max-width: 420px; border-radius: 18px; box-shadow: 0 32px 80px rgba(0,0,0,0.5), 0 8px 28px rgba(0,0,0,0.3); display: block; }

/* === CREDIT CARD === */
/* === CREDIT CARD VISUAL (matches real FLORIN+ card design) === */
.card-visual {
  width: 100%;
  max-width: 420px;
  background: #000;
  border-radius: 18px;
  padding: 26px 30px 22px;
  box-shadow: 0 32px 80px rgba(0,0,0,0.7), 0 8px 28px rgba(0,0,0,0.5);
  color: white;
  position: relative;
  overflow: hidden;
  aspect-ratio: 1.586;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  user-select: none;
}
/* subtle gloss overlay */
.card-visual::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(255,255,255,0.03) 0%, transparent 40%);
  pointer-events: none;
  border-radius: 18px;
}
.card-visual__top { display: flex; justify-content: space-between; align-items: flex-start; }
.card-visual__brand-area { display: flex; flex-direction: column; gap: 2px; }
.card-visual__logo-row { display: flex; align-items: center; gap: 8px; }
.card-visual__brand-name {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 800;
  color: white;
  letter-spacing: 3px;
  line-height: 1;
}
.card-visual__brand-name span { color: white; }
.card-visual__sub {
  font-size: 0.56rem;
  color: rgba(255,255,255,0.45);
  letter-spacing: 1px;
  padding-left: 2px;
  text-transform: uppercase;
}
.card-visual__nfc {
  color: white;
  margin-top: 2px;
  opacity: 0.88;
}
/* Gold EMV chip — matches photo */
.card-visual__chip {
  width: 52px;
  height: 40px;
  background: linear-gradient(145deg, #b8892a 0%, #e8c84a 28%, #f5d860 50%, #d4a830 72%, #9a6e18 100%);
  border-radius: 6px;
  position: relative;
  overflow: hidden;
  align-self: flex-start;
  box-shadow: inset 0 1px 2px rgba(255,255,255,0.3), inset 0 -1px 2px rgba(0,0,0,0.3);
}
/* chip contact lines */
.card-visual__chip::before {
  content: '';
  position: absolute;
  top: 50%; left: 0; right: 0;
  height: 1px;
  background: rgba(0,0,0,0.18);
  transform: translateY(-50%);
  box-shadow: 0 -7px 0 rgba(0,0,0,0.1), 0 7px 0 rgba(0,0,0,0.1);
}
.card-visual__chip::after {
  content: '';
  position: absolute;
  left: 50%; top: 0; bottom: 0;
  width: 1px;
  background: rgba(0,0,0,0.14);
  transform: translateX(-50%);
  box-shadow: -10px 0 0 rgba(0,0,0,0.06), 10px 0 0 rgba(0,0,0,0.06);
}
/* large embossed card number — matches photo */
.card-visual__number {
  font-size: 1.22rem;
  letter-spacing: 5px;
  font-family: 'Courier New', 'OCR A Std', monospace;
  color: white;
  margin-top: 0;
  font-weight: 400;
}
.card-visual__number-sub {
  font-size: 0.58rem;
  color: rgba(255,255,255,0.3);
  letter-spacing: 1px;
  margin-top: 2px;
  font-family: 'Courier New', monospace;
}
.card-visual__expiry-row { display: flex; align-items: center; gap: 8px; margin-top: 4px; }
.card-visual__expiry-label {
  font-size: 0.46rem;
  color: rgba(255,255,255,0.4);
  text-transform: uppercase;
  letter-spacing: 0.3px;
  line-height: 1.4;
}
.card-visual__expiry-date {
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 3px;
  color: rgba(255,255,255,0.85);
  font-family: 'Courier New', monospace;
}
.card-visual__bottom { display: flex; justify-content: space-between; align-items: flex-end; }
.card-visual__name {
  font-size: 0.78rem;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.8);
  font-family: 'Courier New', monospace;
}
/* Mastercard circles */
.card-visual__mc { display: flex; align-items: center; }
.card-visual__mc-circle { width: 38px; height: 38px; border-radius: 50%; }
.card-visual__mc-circle:first-child { background: #EB001B; }
.card-visual__mc-circle:last-child { background: #F79E1B; margin-left: -15px; opacity: 0.95; }

/* === NAV LOGO IMAGE === */
.nav__logo img { height: 36px; width: auto; display: block; flex-shrink: 0; object-fit: contain; }
.nav__logo-text { display: none; }

/* === TRUST BAR === */
.trust-bar {
  background: var(--bg-light);
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
}
.trust-bar__inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
}
.trust-item__icon {
  width: 36px;
  height: 36px;
  background: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-sm);
  font-size: 1rem;
}

/* === PRODUCTS SECTION === */
.products-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 56px;
}

/* 3-column feature cards grid (used on kreditkarte & kleinkredit pages) */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.product-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.product-card__header {
  background: linear-gradient(135deg, var(--blue-primary) 0%, var(--blue-dark) 100%);
  padding: 32px;
  color: white;
}
.product-card__header h3 { color: white; margin-bottom: 8px; }
.product-card__header p { color: rgba(255,255,255,0.8); font-size: 0.9rem; }
.product-card__body { padding: 32px; flex: 1; display: flex; flex-direction: column; }
.product-card__highlight {
  font-size: 2rem;
  font-family: var(--font-display);
  font-weight: 800;
  color: var(--blue-primary);
  margin-bottom: 4px;
  white-space: nowrap;
}
.product-card__sub { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 24px; }
.feature-list { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9rem;
}
.feature-item__check {
  width: 20px;
  height: 20px;
  background: rgba(95,233,208,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--blue-primary);
  font-size: 0.7rem;
}
.product-card__cta { margin-top: auto; }

/* === CAROUSEL === */
.carousel-wrap { position: relative; }
.carousel-btn {
  display: none; /* hidden on desktop */
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  background: white;
  border: 2px solid var(--border);
  border-radius: 50%;
  width: 40px;
  height: 40px;
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
  box-shadow: 0 2px 12px rgba(0,0,0,.12);
  color: var(--blue-primary);
  align-items: center;
  justify-content: center;
  padding: 0;
  transition: background .15s, box-shadow .15s;
}
.carousel-btn:hover { background: var(--blue-primary); color: white; box-shadow: 0 4px 16px rgba(21,94,239,.3); }
.carousel-btn--prev { left: -16px; }
.carousel-btn--next { right: -16px; }

@media (max-width: 768px) {
  .carousel-wrap { padding: 0 28px; }
  .carousel-btn { display: flex; }
  .carousel-track {
    display: flex !important;
    flex-direction: row !important;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scroll-behavior: smooth;
    -webkit-overflow-scrolling: touch;
    gap: 16px !important;
    grid-template-columns: unset !important;
    margin-top: 32px !important;
    padding-bottom: 8px;
    scrollbar-width: none;
  }
  .carousel-track::-webkit-scrollbar { display: none; }
  .carousel-track > * {
    flex: 0 0 calc(100% - 48px) !important;
    min-width: 220px;
    scroll-snap-align: start;
  }
  .stats-grid.carousel-track > * {
    flex: 0 0 calc(50% - 16px) !important;
    min-width: 140px;
  }
}

/* === STATS === */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 56px;
}
.stat-card {
  text-align: center;
  padding: 32px 20px;
  background: white;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.stat-card__value {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--blue-primary);
  line-height: 1;
  margin-bottom: 8px;
  white-space: nowrap;
}
.stat-card__label { font-size: 0.85rem; color: var(--text-muted); }

/* === STEPS === */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 56px;
  position: relative;
}
.steps-grid--four { grid-template-columns: repeat(4, 1fr); }
/* min-width:0 prevents grid children from overflowing their columns */
.step-item, .features-grid > *, .products-grid > *, .req-grid > * { min-width: 0; }
.steps-grid::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(16.66% + 16px);
  right: calc(16.66% + 16px);
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.steps-grid--four::before {
  left: calc(12.5% + 16px);
  right: calc(12.5% + 16px);
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-item__num {
  width: 56px;
  height: 56px;
  background: var(--blue-primary);
  color: white;
  border-radius: 50%;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 0 0 6px rgba(21,94,239,0.1);
}
.step-item h4 { margin-bottom: 8px; }

/* === REQUIREMENTS === */
.req-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 40px;
}
.req-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--bg-light);
  border-radius: var(--radius-md);
}
.req-item__icon {
  width: 44px;
  height: 44px;
  background: white;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}
.req-item__text h4 { font-size: 0.95rem; margin-bottom: 2px; }
.req-item__text p { font-size: 0.85rem; }

/* === PRICING TABLE === */
.pricing-table {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 40px;
}
.pricing-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 32px;
  border-bottom: 1px solid var(--border);
}
.pricing-row:last-child { border-bottom: none; }
.pricing-row:nth-child(odd) { background: var(--bg-light); }
.pricing-row__label { font-weight: 500; font-size: 0.95rem; }
.pricing-row__value { font-weight: 700; font-size: 1rem; color: var(--blue-primary); }

/* === FAQ === */
.faq-list { margin-top: 40px; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.faq-item__q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: white;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: none;
  text-align: left;
  font-family: var(--font-body);
  color: var(--text);
  gap: 16px;
  transition: background 0.2s;
}
.faq-item__q:hover { background: var(--bg-light); }
.faq-item__q .chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform 0.3s;
  color: var(--blue-primary);
}
.faq-item__a {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s;
}
.faq-item--open .faq-item__a {
  max-height: 400px;
  padding: 0 24px 20px;
}
.faq-item--open .chevron { transform: rotate(180deg); }
.faq-item__a p { font-size: 0.9rem; }

/* === BLOG CARDS === */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 48px;
}
.blog-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.blog-card__thumb {
  aspect-ratio: 16/9;
  background: linear-gradient(135deg, var(--blue-primary), var(--blue-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
}
.blog-card__body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-card__tag {
  display: inline-block;
  background: rgba(21,94,239,0.08);
  color: var(--blue-primary);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
  margin-bottom: 12px;
}
.blog-card__title {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
  line-height: 1.4;
  flex: 1;
}
.blog-card__meta {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.blog-card__excerpt { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; }

/* === CTA BANNER === */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-primary) 0%, var(--blue-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 64px;
  text-align: center;
  color: white;
}
.cta-banner h2 { color: white; margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.8); margin-bottom: 36px; font-size: 1.05rem; }
.cta-banner__actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* === FOOTER === */
.footer {
  background: var(--dark);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 32px;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer__brand p { font-size: 0.88rem; margin-top: 16px; line-height: 1.7; max-width: 280px; }
.footer__logo {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 800;
  color: white;
}
.footer__logo span { color: var(--mint); }
.footer__col h4 { color: white; font-size: 0.9rem; margin-bottom: 16px; font-weight: 600; }
.footer__col ul { display: flex; flex-direction: column; gap: 10px; }
.footer__col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s;
}
.footer__col ul li a:hover { color: var(--mint); }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}
.footer__disclaimer {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.7;
}

/* === ARTICLE LAYOUT === */
.article-hero {
  background: linear-gradient(135deg, var(--blue-primary), var(--blue-dark));
  color: white;
  padding: 80px 0;
}
.article-hero h1 { color: white; max-width: 760px; }
.article-hero p { color: rgba(255,255,255,0.8); margin-top: 16px; max-width: 600px; }
.article-meta {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 24px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
}
.article-content {
  max-width: 760px;
  margin: 0 auto;
  padding: 64px 24px;
}
.article-content h2 {
  font-size: 1.7rem;
  margin: 48px 0 16px;
  color: var(--text);
}
.article-content h3 {
  font-size: 1.25rem;
  margin: 32px 0 12px;
  color: var(--text);
}
.article-content p {
  margin-bottom: 20px;
  color: var(--text-muted);
  font-size: 1rem;
}
.article-content ul, .article-content ol {
  margin: 0 0 20px 24px;
  list-style: disc;
}
.article-content li {
  color: var(--text-muted);
  margin-bottom: 8px;
  font-size: 1rem;
}
.article-content .highlight-box {
  background: rgba(21,94,239,0.06);
  border-left: 4px solid var(--blue-primary);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin: 32px 0;
}
.article-content .highlight-box p { color: var(--text); font-weight: 500; margin: 0; }

/* === BREADCRUMB === */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 24px;
}
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: white; }
.breadcrumb span { color: rgba(255,255,255,0.4); }

/* === BADGE === */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 600;
}
.badge--blue { background: rgba(21,94,239,0.1); color: var(--blue-primary); }
.badge--green { background: rgba(95,233,208,0.15); color: #1a8a72; }
.badge--orange { background: rgba(246,93,54,0.1); color: var(--orange); }

/* === SECTION HEADER === */
.section-header { text-align: center; max-width: 640px; margin: 0 auto; }
.section-header .badge { margin-bottom: 16px; }
.section-header h2 { margin-bottom: 16px; }

/* === LEGAL PAGE === */
.legal-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 64px 24px;
}
.legal-content h1 { margin-bottom: 8px; }
.legal-content .last-updated { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 40px; }
.legal-content h2 { font-size: 1.3rem; margin: 36px 0 12px; color: var(--text); }
.legal-content h3 { font-size: 1.05rem; margin: 24px 0 8px; }
.legal-content p { margin-bottom: 16px; font-size: 0.95rem; }
.legal-content ul { margin: 0 0 16px 24px; list-style: disc; }
.legal-content li { margin-bottom: 6px; font-size: 0.95rem; color: var(--text-muted); }
.legal-content a { color: var(--blue-primary); text-decoration: underline; }

/* === MOBILE === */

/* position:sticky already acts as containing block for the .open dropdown */

/* Mobile nav dropdown – öffnet wenn .open gesetzt */
/* position: fixed statt absolute – iOS Safari safe, kein Containing-Block-Problem */
.nav__links.open {
  display: flex !important;
  flex-direction: column;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background: white;
  padding: 8px 20px 20px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  z-index: 9998;
  border-top: 1px solid #E2E8F0;
  gap: 0;
}
.nav__links.open a {
  display: block;
  padding: 14px 0;
  border-bottom: 1px solid #F1F5F9;
  font-weight: 500;
  color: #1E293B;
  font-size: 1rem;
}
.nav__links.open a:last-child { border-bottom: none; }

@media (max-width: 1024px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .container { padding: 0 20px; }
}

@media (max-width: 768px) {
  .container { padding: 0 16px; }
  .section { padding: 48px 0; }
  .section--lg { padding: 64px 0; }

  /* Navigation */
  .nav { overflow: visible; }
  .nav__inner { padding: 0; }
  .nav__links { display: none; }
  .nav__mobile-toggle { display: flex; align-items: center; justify-content: center; }
  .nav__cta .btn:first-child { display: none; }
  .nav__cta .btn--primary { padding: 9px 16px; font-size: .88rem; }

  /* Hero – Dekoratives Element ausblenden (verhindert horizontales Überlaufen) */
  .hero::before { display: none; }
  .hero { padding: 48px 0 40px; overflow: hidden; }
  .hero__inner { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .hero__visual { order: -1; }
  .hero__actions { justify-content: center; flex-wrap: wrap; gap: 12px; }
  .card-visual { max-width: 280px; margin: 0 auto; }
  h1 { font-size: clamp(1.8rem, 5vw, 2.4rem); }
  h2 { font-size: clamp(1.4rem, 4vw, 1.8rem); }

  /* Grids */
  .products-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr !important; }
  .steps-grid { grid-template-columns: 1fr; gap: 20px; }
  .steps-grid::before { display: none; }
  .steps-grid--four { grid-template-columns: 1fr !important; }
  .req-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .stat-card { padding: 16px 12px; }

  /* CTA Banner */
  .cta-banner { padding: 36px 20px; text-align: center; }
  .cta-banner__actions { flex-direction: column; align-items: center; gap: 12px; }
  .cta-banner__actions .btn { width: 100%; max-width: 320px; text-align: center; }

  /* Trust Bar */
  .trust-bar__inner { gap: 16px; flex-wrap: wrap; justify-content: center; }
  .trust-item { font-size: .85rem; }

  /* Footer */
  .footer__grid { grid-template-columns: 1fr; gap: 28px; }
  .footer__bottom { flex-direction: column; text-align: center; gap: 8px; }
  .footer__brand p { max-width: 100%; }

  /* Tables */
  table { font-size: .85rem; }
  th, td { padding: 9px 10px; }

  /* Pricing */
  .pricing-row { padding: 12px 16px; flex-wrap: wrap; gap: 8px; }

  /* Cards */
  .card { padding: 24px 20px; }
  .product-card { padding: 28px 20px; }
}

@media (max-width: 480px) {
  .container { padding: 0 14px; }
  .section { padding: 36px 0; }
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.35rem; }
  .hero { padding: 36px 0 32px; }
  .hero__actions { flex-direction: column; align-items: stretch; }
  .hero__actions .btn { text-align: center; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .cta-banner__actions { flex-direction: column; align-items: stretch; }
  .nav__cta .btn--primary { padding: 8px 14px; font-size: .84rem; }
  .trust-bar { padding: 10px 0; }
  .footer__grid { gap: 24px; }
  .blog-card__content { padding: 16px; }

  /* Credit card: verhindert Überlauf auf kleinen Screens */
  .card-visual { padding: 20px 18px 18px; max-width: 300px; }
  .card-visual__number { font-size: 0.82rem; letter-spacing: 2px; }
  .card-visual__name { font-size: 0.62rem; letter-spacing: 1px; }
  .card-visual__expiry-date { font-size: 0.72rem; letter-spacing: 1px; }
  .card-visual__brand-name { font-size: 1.1rem; }
}

/* ═══════════════════════════════════════════════════════════
   EXPLAINER VIDEO PLAYER
   ═══════════════════════════════════════════════════════════ */
.xvid-label { font-size:.75rem;font-weight:700;color:#94a3b8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px;display:flex;align-items:center;gap:6px; }
.xvid-label::before { content:'▶';color:#7c3aed;font-size:.68rem; }
.xvid-wrap  { border-radius:16px;overflow:hidden;box-shadow:0 6px 32px rgba(0,0,0,.2);background:#0f172a;margin-bottom:24px; }
.xv-screen  { aspect-ratio:16/9;min-height:210px;position:relative;overflow:hidden; }
.xv-scene   { position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:clamp(14px,4vw,36px);opacity:0;transition:opacity .45s ease;pointer-events:none; }
.xv-scene.active { opacity:1;pointer-events:auto; }

/* Child entry animations */
.xv-in { opacity:0;transform:translateY(14px); }
.xv-scene.active .xv-in { animation:xvIn .5s ease forwards; }
.xv-scene.active .xv-in:nth-child(1){animation-delay:.1s}
.xv-scene.active .xv-in:nth-child(2){animation-delay:.3s}
.xv-scene.active .xv-in:nth-child(3){animation-delay:.5s}
.xv-scene.active .xv-in:nth-child(4){animation-delay:.65s}
@keyframes xvIn { to{opacity:1;transform:translateY(0)} }

/* Bar rows */
.xv-bar-row { display:flex;align-items:center;gap:8px;opacity:0;transform:translateX(-12px); }
.xv-scene.active .xv-bar-row { animation:xvBarIn .4s ease forwards; }
.xv-bar-row:nth-child(1){animation-delay:.25s!important}
.xv-bar-row:nth-child(2){animation-delay:.5s!important}
.xv-bar-row:nth-child(3){animation-delay:.75s!important}
.xv-bar-row:nth-child(4){animation-delay:1s!important}
@keyframes xvBarIn { to{opacity:1;transform:translateX(0)} }
.xv-bar       { flex:1;height:9px;background:rgba(255,255,255,.14);border-radius:5px;overflow:hidden; }
.xv-bar-fill  { height:100%;border-radius:5px;width:0;transition:width 1.1s ease .4s; }
.xv-scene.active .xv-bar-fill { width:var(--w,50%); }
.xv-bar-label { font-size:clamp(.67rem,.15rem + 1.6vw,.78rem);color:rgba(255,255,255,.82);font-weight:600;width:130px;flex-shrink:0;line-height:1.25; }
.xv-bar-pts   { font-size:.71rem;font-weight:700;color:rgba(255,255,255,.55);white-space:nowrap;width:46px;text-align:right;flex-shrink:0; }

/* Category rows */
.xv-cat-row   { display:flex;justify-content:space-between;align-items:center;padding:7px 13px;border-radius:9px;color:#fff;font-size:clamp(.75rem,1.8vw,.87rem);font-weight:700;opacity:0; }
.xv-scene.active .xv-cat-row { animation:xvIn .38s ease forwards; }
.xv-cat-row:nth-child(1){animation-delay:.1s!important}
.xv-cat-row:nth-child(2){animation-delay:.25s!important}
.xv-cat-row:nth-child(3){animation-delay:.4s!important}
.xv-cat-row:nth-child(4){animation-delay:.55s!important}
.xv-cat-row:nth-child(5){animation-delay:.7s!important}

/* Formula (Kreditrechner) */
.xv-formula     { display:flex;align-items:center;gap:clamp(6px,2vw,16px);flex-wrap:wrap;justify-content:center; }
.xv-f-item      { text-align:center; }
.xv-f-num       { font-size:clamp(1.4rem,4.5vw,2.5rem);font-weight:900;line-height:1; }
.xv-f-lbl       { font-size:clamp(.6rem,1.4vw,.72rem);color:rgba(255,255,255,.55);font-weight:600;margin-top:2px; }
.xv-f-op        { font-size:clamp(1.3rem,4vw,2rem);color:rgba(255,255,255,.4);align-self:flex-start;padding-top:2px; }
.xv-f-result    { border-top:2px solid rgba(255,255,255,.2);padding-top:12px;margin-top:8px;text-align:center;width:100%; }

/* Debt rows (Schuldenabbau) */
.xv-debt-row  { display:flex;align-items:center;justify-content:space-between;padding:8px 13px;border-radius:10px;background:rgba(255,255,255,.08);font-size:clamp(.72rem,1.8vw,.83rem);color:#fff;font-weight:600;opacity:0; }
.xv-scene.active .xv-debt-row { animation:xvIn .4s ease forwards; }
.xv-debt-row:nth-child(1){animation-delay:.2s!important}
.xv-debt-row:nth-child(2){animation-delay:.55s!important}
.xv-debt-row:nth-child(3){animation-delay:.9s!important}

/* Split comparison (Schuldenabbau scene 2) */
.xv-split     { display:grid;grid-template-columns:1fr 1fr;gap:10px;width:100%;max-width:380px; }
.xv-split-col { background:rgba(255,255,255,.07);border-radius:12px;padding:12px;text-align:center; }
.xv-split-col h4 { font-size:clamp(.78rem,2vw,.9rem);color:#fff;font-weight:800;margin-bottom:8px; }

/* Regional bars (Gehaltsvergleich) */
.xv-reg-row   { display:flex;align-items:center;gap:8px;opacity:0; }
.xv-scene.active .xv-reg-row { animation:xvIn .4s ease forwards; }
.xv-reg-row:nth-child(1){animation-delay:.2s!important}
.xv-reg-row:nth-child(2){animation-delay:.5s!important}
.xv-reg-lbl   { font-size:clamp(.7rem,1.7vw,.8rem);color:rgba(255,255,255,.85);font-weight:700;width:100px;flex-shrink:0; }
.xv-reg-val   { font-size:.72rem;font-weight:700;white-space:nowrap;width:54px;text-align:right;flex-shrink:0; }

/* Controls */
.xv-controls  { display:flex;align-items:center;gap:10px;padding:9px 14px;background:#1e293b;border-top:1px solid rgba(255,255,255,.06); }
.xv-play-btn  { background:#7c3aed;color:#fff;border:none;border-radius:8px;padding:6px 14px;font-size:.79rem;font-weight:700;cursor:pointer;font-family:'Inter',sans-serif;white-space:nowrap;transition:background .15s;flex-shrink:0; }
.xv-play-btn:hover { background:#6d28d9; }
.xv-prog-track { flex:1;height:5px;background:rgba(255,255,255,.12);border-radius:3px;overflow:hidden; }
.xv-prog-fill  { height:100%;background:linear-gradient(90deg,#7c3aed,#a78bfa);border-radius:3px;width:0;transition:width .35s ease; }
.xv-dots       { display:flex;gap:5px;flex-shrink:0; }
.xv-dot        { width:7px;height:7px;border-radius:50%;background:rgba(255,255,255,.25);cursor:pointer;border:none;padding:0;transition:background .2s,transform .2s; }
.xv-dot.active { background:#a78bfa;transform:scale(1.35); }

/* ── Explainer Video: Mobile Fixes ── */
@media (max-width: 600px) {
  /* Taller container instead of 16:9 — gives enough room for content */
  .xv-screen {
    aspect-ratio: unset !important;
    min-height: 300px;
  }
  /* Tighter scene padding on small screens */
  .xv-scene {
    padding: 14px 12px;
    justify-content: flex-start;
    padding-top: 18px;
  }
  /* Bar label: shrink fixed width to avoid overflow */
  .xv-bar-label {
    width: min(110px, 32vw);
    font-size: clamp(.62rem, 2.6vw, .72rem);
    line-height: 1.2;
  }
  /* Bar points: smaller width */
  .xv-bar-pts {
    width: 38px;
    font-size: .65rem;
  }
  /* Tighter gap between bars */
  .xv-bar-row {
    gap: 6px;
  }
  /* Category rows: smaller padding */
  .xv-cat-row {
    padding: 6px 10px;
    font-size: clamp(.72rem, 3.5vw, .83rem);
  }
  /* Debt rows: slightly smaller */
  .xv-debt-row {
    padding: 7px 10px;
    font-size: clamp(.68rem, 3vw, .78rem);
  }
  /* Split columns: tighter */
  .xv-split {
    gap: 7px;
  }
  .xv-split-col {
    padding: 9px 8px;
  }
  .xv-split-col h4 {
    font-size: clamp(.72rem, 3.2vw, .85rem);
    margin-bottom: 6px;
  }
  /* Formula numbers */
  .xv-f-num {
    font-size: clamp(1.2rem, 6vw, 2rem);
  }
  .xv-f-lbl {
    font-size: clamp(.58rem, 2.4vw, .68rem);
  }
  /* Controls bar: slightly more compact */
  .xv-controls {
    padding: 8px 10px;
    gap: 8px;
  }
  .xv-play-btn {
    font-size: .75rem;
    padding: 6px 11px;
  }
}

/* === COOKIE BANNER (global) === */
#cookie-banner{position:fixed;bottom:0;left:0;right:0;z-index:9999;background:#0D1B4E;color:white;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;box-shadow:0 -4px 24px rgba(0,0,0,0.3);font-family:'Inter',sans-serif;font-size:.93rem;line-height:1.5}
#cookie-banner a{color:#18C8E6;text-decoration:underline}
.cookie-btn{padding:10px 22px;border-radius:8px;font-weight:700;font-size:.9rem;cursor:pointer;border:none;white-space:nowrap}
.cookie-btn--accept{background:#18C8E6;color:#0D1B4E}
.cookie-btn--decline{background:rgba(255,255,255,0.12);color:white}
.cookie-btn--accept:hover{background:#1BBDE0}
.cookie-btn--decline:hover{background:rgba(255,255,255,0.2)}
#cookie-banner.hidden{display:none}