/* =============================================
   BS FINANZKONZEPTE - Premium Stylesheet
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600&display=swap');

:root {
  --primary: #1B3A6B;
  --primary-dark: #122a52;
  --primary-light: #2a5298;
  --gold: #C9A84C;
  --gold-light: #e2c06b;
  --gold-dark: #a8882e;
  --white: #ffffff;
  --off-white: #f8f7f4;
  --light-gray: #f0eeea;
  --gray: #9a9a9a;
  --dark-gray: #444444;
  --text: #1a1a2e;
  --text-light: #5a5a7a;
  --border: #e8e4dc;
  --shadow-sm: 0 2px 8px rgba(27,58,107,0.08);
  --shadow-md: 0 8px 32px rgba(27,58,107,0.12);
  --shadow-lg: 0 20px 60px rgba(27,58,107,0.16);
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 20px;
  --transition: 0.25s ease;
  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', sans-serif;
  --nav-height: 72px;
}

/* ---- RESET ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4 { font-family: var(--font-heading); line-height: 1.25; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); font-weight: 600; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p { margin-bottom: 1rem; color: var(--text-light); }

/* ---- UTILITIES ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-padding { padding: 80px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-primary { color: var(--primary); }

.badge {
  display: inline-block;
  background: rgba(201,168,76,0.12);
  color: var(--gold-dark);
  border: 1px solid rgba(201,168,76,0.3);
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  letter-spacing: 0.02em;
}
.btn-primary {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.btn-primary:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-gold {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.3);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }

/* =============================================
   HEADER / NAV
   ============================================= */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.site-header.scrolled {
  box-shadow: var(--shadow-md);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-height);
  gap: 16px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary);
  flex-shrink: 0;
  z-index: 1101;
}
.logo-icon {
  width: 40px; height: 40px;
  background: var(--primary);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text);
  transition: all var(--transition);
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active {
  background: var(--off-white);
  color: var(--primary);
}
/* Hide mobile-only CTA in desktop nav */
.nav-links .nav-cta-mobile { display: none; }

.nav-cta {
  flex-shrink: 0;
}
.nav-cta .btn {
  padding: 10px 20px;
  font-size: 0.88rem;
  gap: 6px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  cursor: pointer;
  padding: 10px;
  border: none;
  background: none;
  border-radius: var(--radius-sm);
  z-index: 1101;
  transition: background var(--transition);
  flex-shrink: 0;
}
.hamburger:hover { background: var(--off-white); }
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  transform-origin: center;
}

/* Hamburger -> X animation */
.mobile-menu-open .hamburger span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.mobile-menu-open .hamburger span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.mobile-menu-open .hamburger span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Overlay */
.mobile-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 999;
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
  opacity: 0;
  transition: opacity 0.3s ease;
}

/* =============================================
   HERO
   ============================================= */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: var(--nav-height);
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 60%, #0d1f40 100%);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.pexels.com/photos/7821671/pexels-photo-7821671.jpeg?auto=compress&cs=tinysrgb&h=650&w=940');
  background-size: cover;
  background-position: center;
  opacity: 0.12;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding: 80px 0;
}
.hero-content { color: var(--white); }
.hero-content .badge {
  background: rgba(201,168,76,0.2);
  color: var(--gold-light);
  border-color: rgba(201,168,76,0.4);
}
.hero-content h1 { color: var(--white); margin-bottom: 20px; }
.hero-content h1 span { color: var(--gold); }
.hero-content p { color: rgba(255,255,255,0.8); font-size: 1.1rem; margin-bottom: 32px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-card {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}
.stat-item {
  text-align: center;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius);
  padding: 20px;
}
.stat-value {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.7); }
.hero-mini-sim h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 16px;
}
.mini-sim-result {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: var(--radius);
  padding: 16px;
  text-align: center;
  margin-top: 12px;
}
.mini-sim-result .result-label { font-size: 0.8rem; color: rgba(255,255,255,0.85); margin-bottom: 4px; }
.mini-sim-result .result-value { font-family: var(--font-heading); font-size: 1.8rem; font-weight: 700; color: var(--white); }

/* =============================================
   SECTIONS
   ============================================= */
.section-header { margin-bottom: 52px; }
.section-header h2 { margin-bottom: 16px; color: var(--primary); }
.section-header p { max-width: 600px; font-size: 1.05rem; }
.section-header.centered { text-align: center; }
.section-header.centered p { margin: 0 auto; }

.section-header h2::after {
  content: '';
  display: block;
  width: 56px; height: 3px;
  background: linear-gradient(to right, var(--gold), var(--gold-light));
  border-radius: 2px;
  margin-top: 12px;
}
.section-header.centered h2::after { margin: 12px auto 0; }

/* =============================================
   CARDS
   ============================================= */
.cards-grid { display: grid; gap: 28px; }
.cards-grid-3 { grid-template-columns: repeat(3, 1fr); }
.cards-grid-2 { grid-template-columns: repeat(2, 1fr); }
.cards-grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.3);
}
.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(27,58,107,0.08), rgba(27,58,107,0.04));
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--primary);
}
.card-icon svg { width: 28px; height: 28px; }
.card h3 { margin-bottom: 12px; color: var(--primary); font-size: 1.2rem; }
.card p { margin: 0; font-size: 0.95rem; }
.card-accent::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(to right, var(--gold), var(--gold-light));
}

/* =============================================
   SPLIT SECTION
   ============================================= */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.split-section.reverse { direction: rtl; }
.split-section.reverse > * { direction: ltr; }
.split-image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.split-image img { width: 100%; height: 450px; object-fit: cover; }
.split-badge {
  position: absolute;
  bottom: 24px; left: 24px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 16px 20px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 12px;
}
.split-badge-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
}
.split-badge-text strong { display: block; font-size: 1rem; color: var(--primary); }
.split-badge-text span { font-size: 0.8rem; color: var(--text-light); }

.feature-list { margin: 24px 0; }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}
.feature-item:last-child { border-bottom: none; }
.feature-check {
  width: 24px; height: 24px;
  background: rgba(201,168,76,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.feature-check svg { width: 14px; height: 14px; color: var(--gold-dark); }
.feature-item p { margin: 0; }

/* =============================================
   SIMULATOR
   ============================================= */
.simulator-section { background: var(--primary); padding: 80px 0; }
.simulator-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.simulator-info { color: var(--white); }
.simulator-info h2 { color: var(--white); }
.simulator-info h2::after { background: linear-gradient(to right, var(--gold), var(--gold-light)); }
.simulator-info p { color: rgba(255,255,255,0.75); }
.sim-features { margin-top: 32px; }
.sim-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
}
.sim-feature-dot {
  width: 8px; height: 8px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

.simulator-widget {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-lg);
}
.simulator-widget h3 {
  color: var(--primary);
  margin-bottom: 24px;
  font-size: 1.3rem;
}
.sim-field { margin-bottom: 20px; }
.sim-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
  letter-spacing: 0.03em;
}
.sim-field input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 4px;
  border-radius: 4px;
  background: var(--light-gray);
  outline: none;
  cursor: pointer;
}
.sim-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(27,58,107,0.3);
}
.sim-field input[type="number"], .sim-field select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
}
.sim-field input[type="number"]:focus, .sim-field select:focus {
  border-color: var(--primary);
  outline: none;
}
.sim-value {
  text-align: right;
  font-size: 0.85rem;
  color: var(--primary);
  font-weight: 600;
  margin-top: 4px;
}
.sim-result {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 24px;
}
.sim-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.sim-result-item { text-align: center; }
.sim-result-item .label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 4px;
}
.sim-result-item .value {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  color: var(--gold);
  font-weight: 700;
}
.sim-result-cta {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.15);
  text-align: center;
}
.sim-result-cta p {
  color: rgba(255,255,255,0.8);
  font-size: 0.85rem;
  margin-bottom: 12px;
}

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonials-section { background: var(--off-white); }
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-family: var(--font-heading);
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.2;
  position: absolute;
  top: 16px; left: 24px;
  line-height: 1;
}
.testimonial-text {
  font-size: 1rem;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 20px;
  margin-top: 20px;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 1.1rem;
}
.testimonial-name { font-weight: 600; color: var(--primary); font-size: 0.95rem; }
.testimonial-role { font-size: 0.8rem; color: var(--text-light); }
.stars { color: var(--gold); font-size: 0.9rem; margin-bottom: 4px; }

/* =============================================
   CTA SECTION
   ============================================= */
.cta-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 100px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -50%; left: -25%;
  width: 80%; height: 200%;
  background: radial-gradient(circle, rgba(201,168,76,0.1) 0%, transparent 70%);
}
.cta-section h2 { color: var(--white); }
.cta-section h2::after { margin: 12px auto 0; }
.cta-section p { color: rgba(255,255,255,0.8); font-size: 1.1rem; max-width: 600px; margin: 0 auto 40px; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* =============================================
   COMPARISON TABLE
   ============================================= */
.comparison-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.comparison-table th {
  padding: 20px 24px;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
}
.comparison-table th:first-child {
  background: var(--off-white);
  color: var(--text);
  text-align: left;
}
.comparison-table th.col-bs {
  background: var(--primary);
  color: var(--white);
  text-align: center;
}
.comparison-table th.col-fl {
  background: var(--gold);
  color: var(--white);
  text-align: center;
}
.comparison-table td {
  padding: 16px 24px;
  border-bottom: 1px solid var(--border);
}
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table td:first-child {
  font-weight: 500;
  color: var(--text);
  background: var(--off-white);
}
.comparison-table td:not(:first-child) { text-align: center; }
.comparison-table tr:nth-child(even) td:not(:first-child) { background: rgba(27,58,107,0.02); }
.check-yes { color: #16a34a; font-size: 1.2rem; }
.check-partial { color: var(--gold); font-size: 1.2rem; }
.check-no { color: #dc2626; font-size: 1.2rem; }

/* =============================================
   GEMSTONE CARDS
   ============================================= */
.gem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.gem-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  border: 1px solid var(--border);
}
.gem-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.gem-image { height: 200px; overflow: hidden; position: relative; }
.gem-image img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.gem-card:hover .gem-image img { transform: scale(1.05); }
.gem-color-strip { height: 4px; width: 100%; }
.gem-body { padding: 24px; background: var(--white); }
.gem-name { font-family: var(--font-heading); font-size: 1.2rem; color: var(--primary); margin-bottom: 8px; }
.gem-desc { font-size: 0.9rem; color: var(--text-light); margin-bottom: 16px; }
.gem-price-live {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--off-white);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  margin-bottom: 12px;
}
.gem-price-live .price-label { font-size: 0.75rem; color: var(--text-light); }
.gem-price-live .price-value {
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--gold-dark);
  font-weight: 700;
}
.gem-price-live .price-trend {
  font-size: 0.78rem;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 100px;
}
.price-up { background: rgba(22,163,74,0.1); color: #16a34a; }
.price-down { background: rgba(220,38,38,0.1); color: #dc2626; }
.gem-badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
}

/* =============================================
   GEM PRICE TICKER
   ============================================= */
.price-ticker {
  background: var(--primary-dark);
  border-bottom: 2px solid var(--gold);
  padding: 10px 0;
  overflow: hidden;
  margin-top: var(--nav-height);
}
.ticker-wrap {
  display: flex;
  gap: 40px;
  animation: ticker-scroll 30s linear infinite;
  width: max-content;
}
.ticker-item {
  display: flex;
  align-items: center;
  gap: 10px;
  white-space: nowrap;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.85);
}
.ticker-gem { font-weight: 700; color: var(--gold); }
.ticker-price { color: var(--white); }
.ticker-change { font-size: 0.78rem; font-weight: 600; padding: 2px 8px; border-radius: 100px; }
.ticker-sep { color: rgba(255,255,255,0.2); }
@keyframes ticker-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* =============================================
   STICKY FOOTER CTA
   ============================================= */
.sticky-footer-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 900;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  border-top: 2px solid var(--gold);
  padding: 12px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
  transform: translateY(0);
  transition: transform 0.4s ease;
  gap: 12px;
}
.sticky-footer-cta.hidden { transform: translateY(100%); }
.sticky-cta-text { flex: 1; min-width: 0; }
.sticky-cta-text strong {
  display: block;
  color: var(--white);
  font-size: 0.9rem;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.sticky-cta-text span {
  color: rgba(255,255,255,0.7);
  font-size: 0.78rem;
}
.sticky-cta-btn {
  flex-shrink: 0;
  background: var(--gold);
  color: var(--white);
  padding: 10px 22px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.88rem;
  white-space: nowrap;
  transition: all var(--transition);
  border: none;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
}
.sticky-cta-btn:hover { background: var(--gold-dark); transform: scale(1.03); }
.sticky-close {
  flex-shrink: 0;
  background: none;
  border: none;
  color: rgba(255,255,255,0.5);
  cursor: pointer;
  font-size: 1.1rem;
  padding: 4px 6px;
  line-height: 1;
  transition: color var(--transition);
}
.sticky-close:hover { color: var(--white); }

/* =============================================
   EXIT POPUP
   ============================================= */
.exit-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.65);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
  backdrop-filter: blur(4px);
}
.exit-overlay.active { display: flex; }
.exit-popup {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 560px;
  width: 100%;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
  animation: popupIn 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
@keyframes popupIn {
  from { opacity: 0; transform: scale(0.85); }
  to { opacity: 1; transform: scale(1); }
}
.exit-popup-header {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  padding: 32px;
  text-align: center;
  position: relative;
}
.exit-popup-header h3 {
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 8px;
}
.exit-popup-header p { color: rgba(255,255,255,0.8); margin: 0; font-size: 0.95rem; }
.exit-close-btn {
  position: absolute;
  top: 16px; right: 16px;
  background: rgba(255,255,255,0.15);
  border: none;
  color: var(--white);
  width: 32px; height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition: background var(--transition);
}
.exit-close-btn:hover { background: rgba(255,255,255,0.25); }
.exit-popup-body { padding: 32px; }
.exit-offer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}
.exit-offer-item {
  background: var(--off-white);
  border-radius: var(--radius-sm);
  padding: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text);
}
.exit-offer-icon { color: var(--gold); font-size: 1.2rem; }
.exit-popup-btns { display: flex; flex-direction: column; gap: 10px; }
.exit-popup-btns .btn { width: 100%; justify-content: center; }
.exit-skip {
  text-align: center;
  margin-top: 12px;
  font-size: 0.82rem;
  color: var(--text-light);
  cursor: pointer;
  text-decoration: underline;
}
.exit-skip:hover { color: var(--primary); }

/* =============================================
   FOOTER
   ============================================= */
.site-footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.8);
  padding: 80px 0 32px;
  margin-bottom: 58px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 60px;
}
.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand .logo-icon { background: var(--gold); color: var(--primary-dark); }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; max-width: 280px; }
.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }
.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 32px;
}
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p { margin: 0; font-size: 0.85rem; color: rgba(255,255,255,0.5); }
.footer-bottom a { color: var(--gold); }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { font-size: 0.82rem; color: rgba(255,255,255,0.5); transition: color var(--transition); }
.footer-legal a:hover { color: var(--white); }

/* =============================================
   FORM STYLES
   ============================================= */
.tally-embed-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}
.tally-embed-wrap iframe {
  width: 100%;
  border: none;
  min-height: 600px;
}

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 120px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 50%, rgba(201,168,76,0.1) 0%, transparent 60%);
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.8); font-size: 1.15rem; max-width: 600px; margin: 0 auto; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.4); }

/* =============================================
   BLOG
   ============================================= */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.3);
}
.blog-card-img {
  height: 200px;
  overflow: hidden;
  background: var(--light-gray);
  position: relative;
}
.blog-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}
.blog-card:hover .blog-card-img img { transform: scale(1.05); }
.blog-card-cat {
  position: absolute;
  top: 14px; left: 14px;
  background: var(--gold);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 100px;
}
.blog-card-body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.blog-card-meta {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-bottom: 10px;
  display: flex;
  gap: 12px;
}
.blog-card-body h3 {
  font-size: 1.05rem;
  color: var(--primary);
  margin-bottom: 10px;
  line-height: 1.35;
}
.blog-card-body p {
  font-size: 0.88rem;
  color: var(--text-light);
  margin-bottom: 16px;
  flex: 1;
}
.blog-card-link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gold-dark);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition);
}
.blog-card:hover .blog-card-link { gap: 10px; }

/* Article page */
.article-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
}
.article-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 70% 50%, rgba(201,168,76,0.12) 0%, transparent 60%);
}
.article-hero-content { position: relative; z-index: 1; max-width: 860px; margin: 0 auto; text-align: center; }
.article-hero-content h1 { color: var(--white); font-size: clamp(1.8rem, 4vw, 2.8rem); margin-bottom: 16px; }
.article-hero-content p { color: rgba(255,255,255,0.8); font-size: 1.1rem; }
.article-meta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: 20px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
}
.article-body {
  max-width: 820px;
  margin: 0 auto;
}
.article-body h2 { color: var(--primary); margin: 40px 0 16px; }
.article-body h3 { color: var(--primary); margin: 28px 0 12px; font-size: 1.2rem; }
.article-body p { font-size: 1rem; line-height: 1.85; margin-bottom: 20px; color: var(--text-light); }
.article-body ul { margin: 16px 0 24px 20px; }
.article-body ul li {
  margin-bottom: 10px;
  font-size: 0.95rem;
  color: var(--text-light);
  position: relative;
  padding-left: 8px;
}
.article-body ul li::before { content: '-'; position: absolute; left: -12px; color: var(--gold); }
.article-body .info-box { margin: 28px 0; }
.article-tags { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 32px; }
.article-tag {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 4px 14px;
  font-size: 0.78rem;
  color: var(--text-light);
  font-weight: 500;
}

/* Pagination */
.pagination {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 48px;
}
.pagination a, .pagination span {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
  transition: all var(--transition);
}
.pagination a:hover { background: var(--primary); color: var(--white); border-color: var(--primary); }
.pagination .current { background: var(--primary); color: var(--white); border-color: var(--primary); }

/* =============================================
   SCROLL ANIMATIONS
   ============================================= */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.reveal-on-scroll.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* =============================================
   INFO BOX
   ============================================= */
.info-box {
  background: rgba(27,58,107,0.06);
  border-left: 4px solid var(--primary);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin: 24px 0;
}
.info-box.gold {
  background: rgba(201,168,76,0.08);
  border-left-color: var(--gold);
}
.info-box p { margin: 0; font-size: 0.95rem; color: var(--text); }

/* =============================================
   TRUST BAR
   ============================================= */
.trust-bar {
  background: var(--off-white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 32px 0;
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-light);
}
.trust-item svg { color: var(--gold); }

/* =============================================
   FAQ
   ============================================= */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 12px;
  transition: box-shadow var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: var(--white);
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text);
  transition: background var(--transition);
}
.faq-question:hover { background: var(--off-white); }
.faq-icon {
  width: 24px; height: 24px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  flex-shrink: 0;
  font-size: 1rem;
  transition: transform var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-item.open .faq-answer {
  max-height: 300px;
  padding: 0 24px 20px;
}
.faq-answer p { margin: 0; font-size: 0.95rem; color: var(--text-light); }

/* =============================================
   KONTAKT
   ============================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}
.contact-info h3 { color: var(--primary); margin-bottom: 16px; }
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.contact-detail:last-child { border-bottom: none; }
.contact-detail-icon {
  width: 40px; height: 40px;
  background: rgba(27,58,107,0.08);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  flex-shrink: 0;
}
.contact-detail strong { display: block; font-size: 0.85rem; color: var(--text-light); margin-bottom: 2px; }
.contact-detail p { margin: 0; font-size: 0.95rem; color: var(--text); font-weight: 500; }

/* =============================================
   GUIDE / ARTICLE
   ============================================= */
.guide-content { max-width: 780px; margin: 0 auto; }
.guide-content h2 { color: var(--primary); margin: 40px 0 16px; font-size: 1.6rem; }
.guide-content h3 { color: var(--primary); margin: 28px 0 12px; font-size: 1.2rem; }
.guide-content p { font-size: 1rem; line-height: 1.8; margin-bottom: 20px; }
.guide-content ul { margin: 16px 0 24px 20px; }
.guide-content ul li { margin-bottom: 8px; font-size: 0.95rem; color: var(--text-light); position: relative; padding-left: 8px; }
.guide-content ul li::before { content: '-'; position: absolute; left: -12px; color: var(--gold); }

/* =============================================
   STAT BLOCKS (guide/stiftungsverband data)
   ============================================= */
.stats-highlight {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin: 32px 0;
}
.stat-highlight-item {
  text-align: center;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 16px;
}
.stat-highlight-value {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-highlight-value span { color: var(--gold); }
.stat-highlight-label { font-size: 0.82rem; color: var(--text-light); line-height: 1.4; }

/* =============================================
   RESPONSIVE — TABLET
   ============================================= */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .cards-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .gem-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-highlight { grid-template-columns: repeat(2, 1fr); }
}

/* =============================================
   RESPONSIVE — MOBILE
   ============================================= */
@media (max-width: 768px) {
  :root { --nav-height: 64px; }
  .section-padding { padding: 56px 0; }

  /* ---- NAVIGATION MOBILE ---- */
  .nav-inner { height: var(--nav-height); }

  /* Desktop nav & CTA hidden on mobile */
  .nav-links { display: none; }
  .nav-cta { display: none; }

  /* Hamburger visible */
  .hamburger { display: flex; }

  /* Nav links mobile drawer - slides from right */
  .mobile-menu-open .nav-links {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: min(320px, 85vw);
    background: var(--white);
    z-index: 1100;
    padding: 80px 24px 40px;
    gap: 4px;
    overflow-y: auto;
    box-shadow: -8px 0 40px rgba(0,0,0,0.15);
    animation: slideInRight 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  }

  @keyframes slideInRight {
    from { transform: translateX(100%); }
    to { transform: translateX(0); }
  }

  .mobile-menu-open .nav-links li a {
    display: block;
    padding: 14px 18px;
    font-size: 1rem;
    font-weight: 500;
    color: var(--text);
    border-radius: var(--radius-sm);
    border-bottom: 1px solid var(--border);
    transition: all var(--transition);
  }
  .mobile-menu-open .nav-links li:last-child a { border-bottom: none; }
  .mobile-menu-open .nav-links li a:hover,
  .mobile-menu-open .nav-links li a.active {
    background: var(--off-white);
    color: var(--primary);
    padding-left: 24px;
  }

  /* CTA inside mobile menu */
  .nav-links .nav-cta-mobile {
    display: block;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 2px solid var(--border);
  }
  .nav-links .nav-cta-mobile a {
    display: flex !important;
    justify-content: center;
    border: none !important;
    border-radius: var(--radius-sm) !important;
    background: var(--gold) !important;
    color: var(--white) !important;
    font-weight: 700 !important;
    padding: 16px !important;
  }

  /* Overlay visible */
  .mobile-menu-open .mobile-overlay {
    display: block;
    opacity: 1;
  }

  /* Prevent body scroll when menu open */
  .mobile-menu-open { overflow: hidden; }

  /* ---- HERO ---- */
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero { min-height: auto; padding: 100px 0 60px; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { justify-content: center; }
  .hero-stats { gap: 12px; }

  /* ---- LAYOUTS ---- */
  .split-section { grid-template-columns: 1fr; gap: 40px; }
  .split-section.reverse { direction: ltr; }
  .split-image img { height: 280px; }

  .simulator-inner { grid-template-columns: 1fr; gap: 40px; }
  .cards-grid-3, .cards-grid-2 { grid-template-columns: 1fr; }
  .cards-grid-4 { grid-template-columns: 1fr; }
  .gem-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .stats-highlight { grid-template-columns: repeat(2, 1fr); }

  /* ---- FOOTER ---- */
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-legal { flex-wrap: wrap; gap: 12px; }
  .site-footer { margin-bottom: 72px; }

  /* ---- CONTACT ---- */
  .contact-grid { grid-template-columns: 1fr; }

  /* ---- MISC ---- */
  .trust-inner { gap: 20px; }
  .exit-offer-grid { grid-template-columns: 1fr; }
  .sticky-cta-text span { display: none; }
  .sticky-footer-cta { padding: 10px 16px; }

  .comparison-table { font-size: 0.82rem; }
  .comparison-table td, .comparison-table th { padding: 10px 12px; }
  .sim-result-grid { grid-template-columns: 1fr 1fr; }

  /* Guide sidebar stacks */
  .guide-content { max-width: 100%; }

  /* Price ticker */
  .price-ticker { margin-top: var(--nav-height); }
}

@media (max-width: 480px) {
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.4rem; }
  .btn-lg { padding: 14px 24px; font-size: 0.95rem; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .stats-highlight { grid-template-columns: 1fr 1fr; }
  .exit-popup-body { padding: 20px; }
  .exit-popup-header { padding: 24px; }
  .exit-popup-header h3 { font-size: 1.2rem; }
  .container { padding: 0 16px; }
  .sim-result-grid { grid-template-columns: 1fr; }
}