/* Pecunia – Finanzierungsseiten, 12.10.2026 */
.fz-hero-knoepfe{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.fz-karten{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.fz-karte{display:flex;flex-direction:column;gap:6px;padding:26px;border-radius:var(--radius);background:#fff;border:1px solid var(--border);box-shadow:var(--shadow);text-decoration:none;color:var(--text);transition:transform .2s,box-shadow .2s,border-color .2s}
.fz-karte:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#c8a45a}
.fz-karte:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.fz-karte strong{color:var(--navy);font-size:1.08rem}
.fz-karte span:last-child{font-size:.92rem;color:var(--text-light)}
.fz-icon{font-size:1.8rem;margin-bottom:4px}
.fz-gruppe{margin:34px 0 14px;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark,#b08f45);font-weight:700}
.fz-text{max-width:860px;margin:0 auto}
.fz-text h2{margin-bottom:14px}
.fz-text p{margin-bottom:14px}
.fz-text ul{margin:6px 0 16px}
.fz-sinn{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:28px}
.fz-sinn>div{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.fz-sinn h3{margin-bottom:12px}
.fz-sinn ul{list-style:none;padding:0;margin:0}
.fz-sinn li{position:relative;padding:7px 0 7px 30px;border-bottom:1px solid var(--border)}
.fz-sinn li:last-child{border-bottom:none}
.fz-sinn li::before{position:absolute;left:0;top:6px;font-weight:700}
.fz-ja{border-top:4px solid #2e7d4f!important}.fz-ja li::before{content:"✓";color:#2e7d4f}
.fz-nein{border-top:4px solid #b3261e!important}.fz-nein li::before{content:"✗";color:#b3261e}
.fz-beispiele{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-top:28px}
.fz-beispiel{background:#fff;border:1px solid var(--border);border-left:4px solid #c8a45a;border-radius:var(--radius);padding:24px 26px;box-shadow:var(--shadow)}
.fz-beispiel h3{margin-bottom:10px}
.fz-beispiel .fz-label{display:block;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--text-light);font-weight:700;margin:10px 0 4px}
.fz-hinweis-bsp{font-size:.85rem;color:var(--text-light);text-align:center;margin-top:16px}
.fz-zwei{grid-template-columns:repeat(2,1fr)}
.fz-cta-box{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:32px}
.fz-cta-box h3{color:var(--navy);margin-bottom:8px}
section[id]{scroll-margin-top:110px}
@media (max-width:860px){.fz-karten,.fz-zwei,.fz-sinn{grid-template-columns:1fr}}