/* =========================================================
   Pecunia – zentrale Stylesheet-Datei
   Wird von allen Seiten (Start- und Unterseiten) genutzt.
   ========================================================= */
:root{
  --navy:#0e2a38;
  --petrol:#155b7a;
  --petrol-dark:#10465e;
  --gold:#c8a45a;
  --gold-dark:#b08f45;
  --whatsapp:#25d366;
  --bg:#f6f8f9;
  --white:#ffffff;
  --text:#2b3a42;
  --text-light:#5d6f78;
  --border:#e3e9ec;
  --radius:14px;
  --shadow:0 4px 24px rgba(14,42,56,.08);
  --shadow-lg:0 12px 40px rgba(14,42,56,.14);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,'Helvetica Neue',Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--petrol)}
.container{max-width:1140px;margin:0 auto;padding:0 24px}
.container-narrow{max-width:820px;margin:0 auto;padding:0 24px}
section{padding:80px 0}
h1,h2,h3,h4{color:var(--navy);line-height:1.25;font-weight:700}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:14px}
.section-sub{color:var(--text-light);max-width:660px;margin:0 auto 48px;text-align:center;font-size:1.06rem}
.kicker{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--gold-dark);margin-bottom:10px}
.center{text-align:center}
.alt-bg{background:var(--bg)}

/* Prose / Fließtext auf Unterseiten */
.prose{max-width:760px;font-size:1.04rem}
.prose p{margin-bottom:18px;color:var(--text)}
.prose h2{margin-top:42px}
.prose h3{font-size:1.2rem;margin:30px 0 10px}
.prose ul{margin:0 0 20px 0;list-style:none}
.prose ul li{padding:7px 0 7px 30px;position:relative}
.prose ul li::before{content:"✓";position:absolute;left:0;top:7px;color:var(--gold-dark);font-weight:700}
.prose strong{color:var(--navy)}

/* Buttons */
.btn{display:inline-block;padding:14px 28px;border-radius:50px;font-weight:600;font-size:1rem;text-decoration:none;transition:all .2s ease;cursor:pointer;border:none}
.btn-primary{background:var(--petrol);color:#fff}
.btn-primary:hover{background:var(--petrol-dark);transform:translateY(-2px);box-shadow:var(--shadow)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-dark);transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--petrol);border:2px solid var(--petrol)}
.btn-outline:hover{background:var(--petrol);color:#fff}
.btn-outline-light{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7)}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-whatsapp{background:var(--whatsapp);color:#fff;display:inline-flex;align-items:center;gap:10px}
.btn-whatsapp:hover{background:#1fb456;transform:translateY(-2px)}
.btn-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:8px}

/* Top bar */
.topbar{background:var(--navy);color:#cfdbe2;font-size:.84rem;padding:7px 0}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}

/* Header */
header{position:sticky;top:0;z-index:1000;background:var(--white);box-shadow:0 2px 12px rgba(14,42,56,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{font-size:1.55rem;font-weight:800;color:var(--navy);text-decoration:none;letter-spacing:.5px;line-height:1;display:inline-flex;align-items:center}
.logo span{color:var(--gold)}
.logo small{display:block;font-size:.6rem;font-weight:500;color:var(--text-light);letter-spacing:.08em;text-transform:uppercase}
.logo-img{height:38px;width:auto;display:block}
@media(max-width:680px){.logo-img{height:32px}}
nav ul{display:flex;gap:24px;list-style:none;align-items:center}
nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.93rem;transition:color .2s}
nav a:hover,nav a.active{color:var(--petrol)}
.nav-cta{background:var(--gold);color:var(--navy)!important;padding:10px 18px;border-radius:50px}
.nav-cta:hover{background:var(--gold-dark)}
.hamburger{display:none;background:none;border:none;font-size:1.7rem;color:var(--navy);cursor:pointer}

/* Hero (Startseite) */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--petrol) 70%,#1d6e91 100%);color:#fff;padding:110px 0 90px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:480px;height:480px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero::before{content:"";position:absolute;right:80px;bottom:-180px;width:380px;height:380px;border-radius:50%;background:rgba(200,164,90,.12)}
.hero-img-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.15;z-index:1;pointer-events:none}
.hero .container{position:relative;z-index:2;max-width:860px;text-align:center}
.hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3.1rem);margin-bottom:20px}
.hero p{font-size:1.18rem;color:#dbe7ed;max-width:620px;margin:0 auto 36px}
.hero-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.trustline{display:flex;gap:28px;justify-content:center;flex-wrap:wrap;margin-top:52px;font-size:.92rem;color:#cfdbe2}
.trustline div::before{content:"✓";color:var(--gold);font-weight:700;margin-right:8px}

/* Page-Hero (Unterseiten) */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--petrol) 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;border-radius:50%;background:rgba(200,164,90,.10)}
.page-hero .container{position:relative;z-index:2}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,3.6vw,2.6rem);margin-bottom:14px;max-width:780px}
.page-hero p{color:#dbe7ed;font-size:1.12rem;max-width:680px}
.breadcrumb{font-size:.84rem;color:#9fc0cf;margin-bottom:16px}
.breadcrumb a{color:#cfe2eb;text-decoration:none}
.breadcrumb a:hover{color:#fff}

/* Tiles */
.tiles{background:var(--bg)}
.tile-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.tile-grid.cols-3{grid-template-columns:repeat(3,1fr)}
.tile-grid.cols-2{grid-template-columns:repeat(2,1fr)}
.tile{background:var(--white);border-radius:var(--radius);padding:34px 26px;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s;text-decoration:none;color:var(--text);display:block}
.tile:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.tile .icon{width:54px;height:54px;border-radius:12px;background:linear-gradient(135deg,var(--petrol),#1d6e91);display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:18px;color:#fff}
.tile h3{font-size:1.12rem;margin-bottom:10px}
.tile p{font-size:.92rem;color:var(--text-light)}
.tile .more{display:inline-block;margin-top:14px;font-weight:600;color:var(--petrol);font-size:.9rem}

/* Why */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:34px;margin-top:20px}
.why-item{text-align:center;padding:0 10px}
.why-item .num{font-size:2rem;font-weight:800;color:var(--gold);margin-bottom:6px}
.why-item h3{font-size:1.05rem;margin-bottom:8px}
.why-item p{font-size:.92rem;color:var(--text-light)}

/* Split sections */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split .visual{border-radius:var(--radius);min-height:340px;box-shadow:var(--shadow-lg);display:flex;align-items:center;justify-content:center;color:#fff;font-size:4rem;overflow:hidden;padding:0}
.split .visual img{width:100%;height:100%;object-fit:cover;display:block;border-radius:var(--radius)}
.check-visual{background:linear-gradient(135deg,var(--petrol),var(--navy))}
.invest-visual{background:linear-gradient(135deg,#1d6e91,var(--petrol-dark))}
.private-visual{background:linear-gradient(135deg,var(--petrol),#1d6e91)}
.business-visual{background:linear-gradient(135deg,var(--navy),var(--petrol-dark))}

/* Versicherer-Logozeile */
.logo-bar{background:var(--white);padding:36px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.logo-bar-label{text-align:center;font-size:.78rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.12em;font-weight:600;margin-bottom:20px}
.logo-bar-inner{display:flex;gap:16px;align-items:center;justify-content:center;flex-wrap:wrap}
.insurer-logo{display:inline-flex;align-items:center;justify-content:center;padding:10px 16px;border:1px solid var(--border);border-radius:8px;min-height:52px;min-width:88px;background:#fff;transition:border-color .2s,box-shadow .2s}
.insurer-logo:hover{border-color:var(--petrol);box-shadow:0 2px 10px rgba(0,0,0,.1)}
.insurer-logo img{height:28px;width:auto;max-width:110px;object-fit:contain;display:block;filter:grayscale(25%);opacity:.82;transition:opacity .2s,filter .2s}
.insurer-logo:hover img{filter:grayscale(0%);opacity:1}
.insurer-logo .logo-name{font-size:.82rem;font-weight:700;color:var(--text-light);letter-spacing:.04em;white-space:nowrap}
.checklist{list-style:none;margin:22px 0 28px}
.checklist li{padding:8px 0 8px 34px;position:relative;color:var(--text)}
.checklist li::before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:rgba(200,164,90,.18);color:var(--gold-dark);font-size:.8rem;font-weight:700;display:flex;align-items:center;justify-content:center}
.note{font-size:.84rem;color:var(--text-light);margin-top:18px}

/* Feature cards (Unterseiten) */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:12px}
.feature-grid.cols-2{grid-template-columns:repeat(2,1fr)}
.feature-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.feature-card .icon{font-size:1.8rem;margin-bottom:12px}
.feature-card h3{font-size:1.08rem;margin-bottom:8px}
.feature-card p{font-size:.93rem;color:var(--text-light)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:12px;counter-reset:step}
.steps.cols-3{grid-template-columns:repeat(3,1fr)}
.step{position:relative;padding:28px 24px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow)}
.step::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;margin-bottom:14px}
.step h3{font-size:1.05rem;margin-bottom:8px}
.step p{font-size:.92rem;color:var(--text-light)}

/* MIA */
.mia{background:linear-gradient(135deg,#0d3b2e,#14543f 60%,#1a6b50);color:#fff}
.mia .split{gap:50px}
.mia h2,.mia h3{color:#fff}
.mia p{color:#d7e8e0}
.mia .kicker{color:#8fd9b6}
.mia-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:30px;backdrop-filter:blur(4px)}
.chat-bubble{background:#fff;color:var(--text);border-radius:16px 16px 16px 4px;padding:14px 18px;font-size:.95rem;margin-bottom:12px;max-width:90%}
.chat-bubble.user{background:#dcf8c6;border-radius:16px 16px 4px 16px;margin-left:auto}
.mia-list{list-style:none;margin:20px 0 28px}
.mia-list li{padding:7px 0 7px 32px;position:relative;color:#e6f2ec}
.mia-list li::before{content:"✓";position:absolute;left:0;color:#8fd9b6;font-weight:700}
.mia-note{font-size:.86rem;color:#bcd8cb;margin-top:16px}

/* Claims */
.claims{background:var(--bg)}
.claims-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:12px}
.claim-card{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);text-align:center}
.claim-card .icon{font-size:2rem;margin-bottom:12px}
.claim-card h3{font-size:1.02rem;margin-bottom:8px}
.claim-card p{font-size:.9rem;color:var(--text-light)}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:14px;box-shadow:var(--shadow);overflow:hidden}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--gold-dark);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details > div{padding:0 22px 20px;color:var(--text-light);font-size:.96rem}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--gold),var(--gold-dark));color:var(--navy);text-align:center}
.cta-band h2{color:var(--navy)}
.cta-band p{max-width:600px;margin:0 auto 26px;color:#3a3320}

/* Contact */
.contact{background:var(--navy);color:#fff}
.contact h2{color:#fff}
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:start}
.contact p{color:#cfdbe2}
.contact-info{margin-top:26px;display:grid;gap:14px;font-size:.98rem}
.contact-info div{display:flex;gap:12px;align-items:baseline}
.contact-info .ico{color:var(--gold)}
.contact-info a{color:#fff}
.form-card{background:#fff;border-radius:var(--radius);padding:34px;color:var(--text);box-shadow:var(--shadow-lg)}
.form-card.light{box-shadow:var(--shadow);border:1px solid var(--border)}
.form-card h3{margin-bottom:18px}
.form-card label{display:block;font-size:.85rem;font-weight:600;margin:14px 0 6px;color:var(--navy)}
.form-card input,.form-card select,.form-card textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-size:.95rem;font-family:inherit;background:var(--bg)}
.form-card .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-card button{margin-top:22px;width:100%}
.form-hint{font-size:.78rem;color:var(--text-light);margin-top:12px}

/* Map placeholder */
.map-embed{border:0;width:100%;height:320px;border-radius:var(--radius);box-shadow:var(--shadow)}
.map-consent{display:flex;align-items:center;justify-content:center;text-align:center;width:100%;height:320px;border:1px dashed #9bb6c1;border-radius:var(--radius);background:#eef3f5;cursor:pointer;padding:24px;box-sizing:border-box}
.map-consent:hover{background:#e4edf0}
.map-consent:focus-visible{outline:2px solid var(--petrol);outline-offset:2px}
.map-consent-inner{max-width:440px}
.map-consent-inner strong{display:block;margin-bottom:6px;color:var(--petrol)}
.map-consent-inner p{margin:8px 0 14px;font-size:.92rem;color:#4a5b63}

/* Footer */
footer{background:#091e29;color:#9fb3bd;padding:56px 0 28px;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
footer h4{color:#fff;font-size:1rem;margin-bottom:14px}
footer ul{list-style:none}
footer li{margin-bottom:8px}
footer a{color:#9fb3bd;text-decoration:none}
footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.82rem}

/* Cookie-Banner */
.cookie-bar{position:fixed;left:16px;right:16px;bottom:16px;z-index:1300;background:#fff;border:1px solid var(--border);border-radius:14px;box-shadow:var(--shadow-lg);padding:18px 22px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;max-width:1000px;margin:0 auto}
.cookie-bar p{font-size:.9rem;color:var(--text);margin:0;flex:1 1 320px}
.cookie-bar a{color:var(--petrol);font-weight:600}
.cookie-bar .cookie-btns{display:flex;gap:10px;flex-wrap:wrap}
.cookie-bar .btn{padding:10px 18px;font-size:.9rem}
@media(max-width:680px){.cookie-bar{left:10px;right:10px;bottom:10px;padding:16px}.cookie-bar .cookie-btns{width:100%}.cookie-bar .cookie-btns .btn{flex:1}}

/* Floating WhatsApp */
.float-wa{position:fixed;right:22px;bottom:22px;z-index:1200;background:var(--whatsapp);color:#fff;border-radius:50px;padding:14px 22px;font-weight:700;text-decoration:none;box-shadow:0 8px 24px rgba(37,211,102,.45);display:flex;align-items:center;gap:10px;transition:transform .2s}
.float-wa:hover{transform:scale(1.05)}

/* Responsive */
@media(max-width:960px){
  .tile-grid,.tile-grid.cols-3{grid-template-columns:repeat(2,1fr)}
  .why-grid,.claims-grid,.feature-grid,.steps,.steps.cols-3{grid-template-columns:repeat(2,1fr)}
  .split,.contact-grid{grid-template-columns:1fr;gap:40px}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  section{padding:56px 0}
  nav ul{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;gap:16px;box-shadow:var(--shadow-lg)}
  nav ul.open{display:flex}
  .hamburger{display:block}
  .tile-grid,.tile-grid.cols-3,.tile-grid.cols-2,.why-grid,.claims-grid,.feature-grid,.feature-grid.cols-2,.steps,.steps.cols-3{grid-template-columns:1fr}
  .form-card .two{grid-template-columns:1fr}
  .topbar .container{justify-content:center;text-align:center}
  .float-wa span{display:none}
  .float-wa{padding:14px 16px}
}