/* ═══════════════════════════════════════════════════════
   TOKENS
   ═══════════════════════════════════════════════════════ */
:root{
  --petrol:#017DA3;
  --petrol-deep:#015F7D;
  --petrol-bright:#0BA0C7;
  --petrol-ink:#0B2E3C;
  --night:#0B1E27;
  --night-2:#123B4B;
  --ink:#272629;
  --body:#474644;
  --muted:#7A7975;
  --ochre:#C07C41;
  --ochre-light:#D9A06B;
  --green:#1E9E75;
  --light:#F5F5F4;
  --cream:#FBF7F0;
  --line:rgba(16,23,28,.09);
  --line-soft:rgba(16,23,28,.06);

  --grad-night:linear-gradient(140deg,#08191F 0%,#0B2530 42%,#103444 100%);
  --grad-petrol:linear-gradient(118deg,#01465F 0%,#017DA3 52%,#0BA0C7 100%);
  --grad-page:linear-gradient(180deg,#FFFFFF 0%,#FAFAF9 100%);
  --grad-cream:linear-gradient(180deg,#FDFBF7 0%,#F8F3EA 100%);
  --grad-light:linear-gradient(180deg,#F7F7F6 0%,#F1F1EF 100%);
  --hairline:linear-gradient(90deg,transparent,rgba(192,124,65,.55),transparent);

  --sh-sm:0 1px 2px rgba(11,30,39,.04), 0 6px 16px -10px rgba(11,30,39,.14);
  --sh-md:0 1px 2px rgba(11,30,39,.05), 0 18px 40px -22px rgba(11,30,39,.30);
  --sh-lg:0 2px 4px rgba(11,30,39,.05), 0 34px 70px -32px rgba(11,30,39,.38);

  --r:20px;
  --wrap:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
[hidden]{display:none!important}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  color:var(--body);background:#fff;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{display:block;max-width:100%}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:'Manrope',sans-serif;color:var(--ink);letter-spacing:-.022em;line-height:1.14;font-weight:800}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
section{position:relative}

/* ── type scale ── */
.h1{font-size:clamp(2.3rem,4.6vw,3.6rem);line-height:1.08}
.h2{font-size:clamp(1.95rem,3.4vw,2.85rem)}
.h3{font-size:1.22rem;line-height:1.3}
.lead{font-size:1.06rem;line-height:1.75;color:var(--body)}
.small{font-size:.875rem;line-height:1.65}
.tiny{font-size:.76rem;line-height:1.55;color:var(--muted)}

.eyebrow{
  font-size:1rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;line-height:1.35;
  color:var(--petrol);margin-bottom:20px;display:flex;align-items:center;gap:13px;
}
.eyebrow::before{content:"";width:34px;height:1px;background:currentColor;opacity:.5;flex:none}
/* gilt auch dort, wo Sektions-Regeln für <p> greifen würden */
.mountain .eyebrow,.split-panel .eyebrow,.final .eyebrow,.band .eyebrow{font-size:1rem;letter-spacing:.16em}
.eyebrow.o{color:var(--ochre)}
.center .eyebrow{justify-content:center}
.accent{color:var(--ochre)}
.sec-head{text-align:center;max-width:720px;margin:0 auto 56px}
.sec-head .lead{margin-top:18px}

/* ── buttons ── */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:14px 28px;border-radius:999px;font-weight:600;font-size:.95rem;letter-spacing:-.01em;
  transition:transform .18s ease,box-shadow .25s ease,background .25s ease,color .2s ease;
  white-space:nowrap;
}
.btn:active{transform:scale(.985)}
.btn-primary{background:var(--grad-petrol);color:#fff;box-shadow:0 10px 24px -12px rgba(1,125,163,.85)}
.btn-primary:hover{box-shadow:0 16px 34px -14px rgba(1,125,163,.9);transform:translateY(-1px)}
.btn-gold{background:linear-gradient(118deg,#A9682F,#C07C41 55%,#D9A06B);color:#fff;box-shadow:0 10px 24px -12px rgba(192,124,65,.85)}
.btn-gold:hover{transform:translateY(-1px);box-shadow:0 16px 34px -14px rgba(192,124,65,.9)}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.28);backdrop-filter:blur(6px)}
.btn-ghost:hover{background:rgba(255,255,255,.16)}
.btn-outline{border:1.5px solid rgba(16,23,28,.18);color:var(--ink);background:#fff}
.btn-outline:hover{border-color:var(--ink);transform:translateY(-1px)}
.btn-lg{padding:16px 34px;font-size:1rem}
.btn-sm{padding:11px 22px;font-size:.875rem}
.btn-full{width:100%}
.arrow{transition:transform .2s ease}
.btn:hover .arrow{transform:translateX(3px)}

.link-arrow{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:.9rem;color:var(--petrol)}
.link-arrow svg{transition:transform .2s ease}
.link-arrow:hover svg{transform:translateX(4px)}

/* ── card ── */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-sm)}
.card-hover{transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease}
.card-hover:hover{transform:translateY(-3px);box-shadow:var(--sh-md);border-color:rgba(1,125,163,.22)}

/* ── reveal ── */
.rv{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.22,1,.36,1),transform .7s cubic-bezier(.22,1,.36,1)}
.rv.in{opacity:1;transform:none}

/* ═══════════════════════════════════════════════════════
   LOGO
   ═══════════════════════════════════════════════════════ */
.logo{display:inline-flex;align-items:center;gap:11px}
.logo-mark{width:36px;height:36px;flex:none;border-radius:10px;box-shadow:0 4px 12px -4px rgba(1,125,163,.5)}
.logo-word{
  font-family:'Manrope',sans-serif;font-weight:800;font-size:1.32rem;letter-spacing:-.035em;
  color:var(--ink);transition:color .3s ease;white-space:nowrap;
}
.logo-badge{
  font-family:'Manrope',sans-serif;font-weight:800;font-size:.66rem;letter-spacing:.09em;
  color:#fff;background:linear-gradient(135deg,#C07C41,#D9A06B);
  padding:4px 9px;border-radius:7px;line-height:1;
}
.on-dark .logo-word{color:#fff}
.logo-sm .logo-mark{width:30px;height:30px}
.logo-sm .logo-word{font-size:1.12rem}

/* ═══════════════════════════════════════════════════════
   HEADER
   ═══════════════════════════════════════════════════════ */
#hd{position:fixed;top:0;left:0;right:0;z-index:80;padding:16px 0;transition:padding .3s ease,background .3s ease,box-shadow .3s ease}
#hd::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(180deg,rgba(8,25,31,.72),rgba(8,25,31,0));
  opacity:1;transition:opacity .3s ease;
}
#hd.scrolled{padding:9px 0;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);box-shadow:0 1px 0 rgba(16,23,28,.07),0 10px 30px -22px rgba(11,30,39,.4)}
#hd.scrolled::before{opacity:0}
.hd-inner{max-width:var(--wrap);margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:24px;position:relative}
.hd-nav{display:flex;align-items:center;gap:30px}
.hd-nav a{font-size:.9rem;font-weight:500;color:rgba(255,255,255,.82);transition:color .25s ease,opacity .2s ease;position:relative}
.hd-nav a::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:1.5px;background:var(--ochre);transform:scaleX(0);transform-origin:left;transition:transform .28s ease}
.hd-nav a:hover::after{transform:scaleX(1)}
#hd.scrolled .hd-nav a{color:var(--body)}
#hd.scrolled .hd-nav a:hover{color:var(--ink)}
.hd-cta{display:flex;align-items:center;gap:12px}
.burger{display:none;width:42px;height:42px;border-radius:12px;align-items:center;justify-content:center;color:#fff}
#hd.scrolled .burger{color:var(--ink)}
.mob{display:none;position:absolute;top:calc(100% + 10px);left:24px;right:24px;background:#fff;border-radius:18px;box-shadow:var(--sh-lg);padding:14px;border:1px solid var(--line)}
.mob.open{display:block}
.mob a{display:block;padding:12px 14px;border-radius:12px;font-weight:500;color:var(--body);font-size:.95rem}
.mob a:hover{background:var(--light);color:var(--ink)}
.mob .btn{margin-top:8px}

/* ═══════════════════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════════════════ */
.hero{min-height:100svh;display:flex;align-items:center;background:var(--grad-night);overflow:hidden;isolation:isolate}
.hero-media{position:absolute;inset:0;z-index:-4;background:#08191F}
.hero-media video,.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center 42%;
  filter:saturate(.86) contrast(1.04) brightness(.92)}
/* blauer Schimmer über dem Video */
.hero-tint{position:absolute;inset:0;z-index:-3;mix-blend-mode:soft-light;background:
  linear-gradient(118deg,rgba(1,125,163,.95) 0%,rgba(11,160,199,.55) 42%,rgba(1,60,82,.85) 100%)}
.hero-sheen{position:absolute;inset:-20% -60%;z-index:-2;pointer-events:none;mix-blend-mode:screen;opacity:.5;
  background:linear-gradient(104deg,transparent 34%,rgba(120,205,235,.14) 46%,rgba(190,235,250,.24) 50%,
    rgba(120,205,235,.14) 54%,transparent 66%);
  animation:sheen 13s cubic-bezier(.45,0,.55,1) infinite}
@keyframes sheen{
  0%{transform:translate3d(-38%,0,0)}
  55%{transform:translate3d(38%,0,0)}
  100%{transform:translate3d(-38%,0,0)}
}
@media (prefers-reduced-motion:reduce){.hero-sheen{animation:none;opacity:.28}}
.hero-fade{position:absolute;inset:0;z-index:-1;background:
  linear-gradient(96deg,rgba(7,22,29,.96) 0%,rgba(7,22,29,.9) 26%,rgba(8,25,31,.74) 44%,rgba(9,29,38,.44) 62%,rgba(9,29,38,.3) 100%);}
.hero-vig{position:absolute;inset:0;z-index:-1;background:
  radial-gradient(120% 90% at 20% 40%,rgba(1,125,163,.18),transparent 60%),
  linear-gradient(180deg,rgba(8,25,31,.5) 0%,transparent 22%,transparent 62%,rgba(8,25,31,.72) 100%);}
.hero-inner{width:100%;padding:150px 0 110px;position:relative}
.hero-copy{max-width:600px}
.badge{
  display:inline-flex;align-items:center;gap:9px;padding:8px 17px;border-radius:999px;
  font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#9FE0F2;
  background:rgba(1,125,163,.18);border:1px solid rgba(11,160,199,.42);margin-bottom:30px;
  backdrop-filter:blur(6px);
}
.hero h1{color:#fff;margin-bottom:26px}
.hero h1 .accent{background:linear-gradient(100deg,#D9A06B,#C07C41);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p{font-size:1.1rem;line-height:1.72;color:rgba(255,255,255,.76);margin-bottom:38px;max-width:540px}
.hero p strong{color:#fff;font-weight:600}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:46px}
.hero-trust{display:flex;flex-wrap:wrap;gap:12px 26px;padding-top:26px;border-top:1px solid rgba(255,255,255,.13)}
.hero-trust span{display:flex;align-items:center;gap:8px;font-size:.85rem;font-weight:500;color:rgba(255,255,255,.7)}
.hero-trust svg{color:var(--petrol-bright);flex:none}
.scroll-cue{position:absolute;bottom:26px;left:50%;transform:translateX(-50%);width:1px;height:52px;
  background:linear-gradient(180deg,transparent,rgba(255,255,255,.55));opacity:.6}

/* ═══════════════════════════════════════════════════════
   BENEFITS + TRUSTBAR
   ═══════════════════════════════════════════════════════ */
.sec{padding:104px 0}
.sec-s{padding:76px 0}
.bg-light{background:var(--grad-light)}
.bg-cream{background:var(--grad-cream)}
.bg-page{background:var(--grad-page)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}

.benefit{padding:34px 30px}
.ico{
  width:48px;height:48px;border-radius:14px;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(140deg,rgba(1,125,163,.13),rgba(1,125,163,.05));color:var(--petrol);
  margin-bottom:22px;border:1px solid rgba(1,125,163,.14);
}
.ico.gold{background:linear-gradient(140deg,rgba(192,124,65,.15),rgba(192,124,65,.05));color:var(--ochre);border-color:rgba(192,124,65,.18);font-weight:800;font-size:1.15rem;font-family:'Manrope',sans-serif}
.benefit h3{font-size:1.06rem;margin-bottom:10px;min-height:2.6em;display:flex;align-items:flex-start}
.benefit p{font-size:.9rem;line-height:1.68}

.trustbar{background:#fff;border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft);padding:24px 0}
.trustbar-in{display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap}
.tb-items{display:flex;gap:26px;flex-wrap:wrap}
.tb-items span{display:flex;align-items:center;gap:8px;font-size:.875rem;font-weight:600;color:var(--ink)}
.tb-items svg{color:var(--petrol)}
.tb-rating{display:flex;align-items:center;gap:13px;padding:9px 18px;border-radius:14px;border:1px solid var(--line);background:var(--grad-cream)}
.stars{display:flex;gap:2px;color:var(--ochre)}

/* ═══════════════════════════════════════════════════════
   SPLIT BANNER (Zukunft beginnt heute)
   ═══════════════════════════════════════════════════════ */
.split{display:grid;grid-template-columns:1fr 1fr;min-height:560px}
.split-img{position:relative;min-height:340px;overflow:hidden}
.split-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 22%}
.split-quote{position:absolute;left:0;right:0;bottom:0;padding:38px 40px;
  background:linear-gradient(0deg,rgba(8,25,31,.9) 30%,rgba(8,25,31,.55) 65%,transparent)}
.split-quote p{color:#fff;font-size:1.02rem;font-style:italic;line-height:1.6;margin-bottom:8px}
.split-quote .src{font-size:.8rem;font-weight:600;color:var(--ochre-light);font-style:normal;letter-spacing:.04em}
.split-panel{background:var(--grad-night);display:flex;flex-direction:column;justify-content:center;padding:82px 62px;position:relative;overflow:hidden}
.split-panel::after{content:"";position:absolute;inset:0;background:radial-gradient(90% 70% at 90% 10%,rgba(1,125,163,.22),transparent 65%);pointer-events:none}
.split-panel > *{position:relative;z-index:1}
.split-panel h2{color:#fff;margin-bottom:20px}
.split-panel p{color:rgba(255,255,255,.68);font-size:1.02rem;line-height:1.72;margin-bottom:34px;max-width:460px}
.split-btns{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:38px}
.panel-facts{display:flex;flex-wrap:wrap;gap:14px 34px;padding-top:28px;border-top:1px solid rgba(255,255,255,.14)}
.panel-fact{display:flex;flex-direction:column;gap:3px}
.panel-fact b{font-family:'Manrope',sans-serif;font-size:1.32rem;color:#fff;font-weight:800;letter-spacing:-.02em}
.panel-fact span{font-size:.76rem;color:rgba(255,255,255,.55);letter-spacing:.05em;text-transform:uppercase;font-weight:600}

/* ═══════════════════════════════════════════════════════
   CALCULATOR
   ═══════════════════════════════════════════════════════ */
.calc-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:40px;align-items:start}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:38px;box-shadow:var(--sh-md)}
.field{margin-bottom:28px}
.field-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.field-top label{font-size:.9rem;font-weight:600;color:var(--ink)}
.pill-val{font-size:.85rem;font-weight:700;color:var(--petrol);background:rgba(1,125,163,.09);padding:4px 14px;border-radius:999px;font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:99px;background:rgba(16,23,28,.1);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;
  background:#fff;border:2px solid var(--petrol);box-shadow:0 3px 10px -2px rgba(1,125,163,.6);cursor:pointer;transition:transform .15s ease}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.12)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid var(--petrol);cursor:pointer}
.range-scale{display:flex;justify-content:space-between;font-size:.72rem;color:var(--muted);margin-top:8px}
.kids{display:flex;gap:9px}
.kid{width:46px;height:46px;border-radius:14px;font-weight:700;font-size:.9rem;border:1.5px solid var(--line);
  color:var(--body);transition:all .18s ease;background:#fff}
.kid:hover{border-color:rgba(1,125,163,.4)}
.kid.on{background:var(--grad-petrol);color:#fff;border-color:transparent;box-shadow:0 6px 16px -8px rgba(1,125,163,.8)}
.chk{display:flex;align-items:center;gap:11px;cursor:pointer;font-size:.9rem;font-weight:500;color:var(--ink);margin-bottom:28px}
.chk input{width:17px;height:17px;accent-color:var(--petrol);cursor:pointer}
.result{border-radius:20px;padding:26px;background:linear-gradient(150deg,rgba(1,125,163,.07),rgba(1,125,163,.02));border:1px solid rgba(1,125,163,.16)}
.result .lbl{font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--petrol);margin-bottom:10px}
.result .big{font-family:'Manrope',sans-serif;font-size:3.1rem;font-weight:800;color:var(--petrol);letter-spacing:-.03em;line-height:1;margin-bottom:20px;font-variant-numeric:tabular-nums}
.rows{border-top:1px solid rgba(1,125,163,.16);padding-top:14px;display:flex;flex-direction:column;gap:8px}
.row{display:flex;justify-content:space-between;font-size:.875rem}
.row b{color:var(--ink);font-weight:600;font-variant-numeric:tabular-nums}
.row.total{border-top:1px solid rgba(1,125,163,.16);padding-top:12px;margin-top:5px}
.row.eff b{color:var(--ochre)}
.calc-side{display:flex;flex-direction:column;gap:24px}
.donut-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:32px;box-shadow:var(--sh-sm)}
.legend{display:flex;justify-content:center;gap:22px;margin-top:16px}
.legend span{display:flex;align-items:center;gap:7px;font-size:.8rem;color:var(--body)}
.legend i{width:10px;height:10px;border-radius:3px;display:block}
.mini-cta{background:var(--grad-cream);border:1px solid rgba(192,124,65,.22);border-radius:26px;padding:30px;text-align:center}
.mini-cta h4{font-size:1.02rem;margin-bottom:8px}
.mini-cta p{font-size:.875rem;margin-bottom:20px}
.disclaimer{font-size:.72rem;color:var(--muted);text-align:center;line-height:1.6;padding:0 10px}

/* ═══════════════════════════════════════════════════════
   GROWTH
   ═══════════════════════════════════════════════════════ */
.growth-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.chart-wrap{display:flex;justify-content:center;position:relative}
.chart-wrap::before{content:"";position:absolute;inset:8% 6%;border-radius:50%;
  background:radial-gradient(circle,rgba(1,125,163,.09),transparent 68%);filter:blur(6px)}
.growth-text p{margin-bottom:18px}
.bar-g{cursor:pointer}
.bar-g rect.bar{transition:all .3s cubic-bezier(.34,1.4,.64,1)}
@keyframes pulseRing{from{opacity:.65;transform:scale(1)}to{opacity:0;transform:scale(1.12)}}

/* ═══════════════════════════════════════════════════════
   WHAT IS
   ═══════════════════════════════════════════════════════ */
.what-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.etf-card{background:var(--grad-cream);border:1px solid rgba(192,124,65,.24);border-radius:26px;padding:38px;box-shadow:var(--sh-sm)}
.etf-head{display:flex;align-items:center;gap:14px;margin-bottom:20px}
.etf-num{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,#C07C41,#D9A06B);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:800;font-family:'Manrope',sans-serif}
.list{display:flex;flex-direction:column;gap:12px;margin-top:20px}
.list li{display:flex;gap:12px;align-items:flex-start;font-size:.94rem;color:var(--body);list-style:none}
.list li .tick{width:20px;height:20px;border-radius:50%;flex:none;margin-top:2px;display:flex;align-items:center;justify-content:center;
  background:rgba(1,125,163,.1);color:var(--petrol)}
.list.gold li .tick{background:rgba(192,124,65,.14);color:var(--ochre)}

/* ═══════════════════════════════════════════════════════
   MOUNTAIN CTA (zentriert)
   ═══════════════════════════════════════════════════════ */
.mountain{min-height:520px;display:flex;align-items:center;overflow:hidden;isolation:isolate;text-align:center}
.mountain img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 42%;z-index:-2}
.mountain .ov{position:absolute;inset:0;z-index:-1;background:
  radial-gradient(78% 92% at 50% 50%,rgba(8,25,31,.8) 0%,rgba(8,25,31,.72) 45%,rgba(8,25,31,.55) 100%),
  linear-gradient(180deg,rgba(8,25,31,.55),transparent 30%,transparent 70%,rgba(8,25,31,.65))}
.mountain-in{padding:110px 0;width:100%}
.mountain-copy{max-width:760px;margin:0 auto}
.mountain h2{color:#fff;font-size:clamp(2rem,3.8vw,3.1rem);margin-bottom:22px}
.mountain p{color:rgba(255,255,255,.75);font-size:1.08rem;line-height:1.74;margin-bottom:36px}
.btn-row{display:flex;flex-wrap:wrap;gap:13px;justify-content:center}

/* ═══════════════════════════════════════════════════════
   HOW IT WORKS / FÖRDERUNG
   ═══════════════════════════════════════════════════════ */
.step{padding:36px 32px;display:flex;flex-direction:column;height:100%}
.step-num{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-family:'Manrope',sans-serif;font-weight:800;font-size:.9rem;color:#fff;margin-bottom:22px}
.step-num.p{background:var(--grad-petrol);box-shadow:0 8px 20px -10px rgba(1,125,163,.85)}
.step-num.o{background:linear-gradient(118deg,#A9682F,#C07C41 55%,#D9A06B);box-shadow:0 8px 20px -10px rgba(192,124,65,.85)}
.step h3{margin-bottom:12px}
.step p{font-size:.94rem;line-height:1.7;margin-bottom:22px}
.note{margin-top:auto;border-radius:14px;padding:16px 18px;background:rgba(1,125,163,.06);border:1px solid rgba(1,125,163,.12)}
.note.gold{background:rgba(192,124,65,.07);border-color:rgba(192,124,65,.16)}
.note b{display:block;font-size:.74rem;letter-spacing:.09em;text-transform:uppercase;color:var(--petrol);margin-bottom:5px}
.note.gold b{color:var(--ochre)}
.note span{font-size:.83rem;color:var(--body);line-height:1.6}
.foerd{padding:30px 26px;height:100%}
.foerd h3{font-size:.98rem;margin-bottom:9px;line-height:1.35}
.foerd p{font-size:.86rem;line-height:1.65}

/* ═══════════════════════════════════════════════════════
   FAQ
   ═══════════════════════════════════════════════════════ */
.faq{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.q{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;transition:box-shadow .25s ease,border-color .25s ease}
.q.open{box-shadow:var(--sh-md);border-color:rgba(1,125,163,.22)}
.q-btn{width:100%;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:22px 26px;text-align:left;
  font-weight:600;font-size:.98rem;color:var(--ink);font-family:'Manrope',sans-serif;letter-spacing:-.01em}
.q-btn svg{flex:none;color:var(--petrol);transition:transform .3s ease}
.q.open .q-btn svg{transform:rotate(180deg)}
.q-body{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.22,1,.36,1)}
.q-body p{padding:0 26px 24px;font-size:.94rem;line-height:1.75;color:var(--body)}

/* ═══════════════════════════════════════════════════════
   COMPARISON
   ═══════════════════════════════════════════════════════ */
.table-wrap{border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--sh-sm);background:#fff}
table{width:100%;border-collapse:collapse}
thead th{padding:20px 22px;font-size:.85rem;font-weight:600;color:var(--body);background:var(--grad-light);text-align:center}
thead th:first-child{text-align:left}
thead th.hl{background:var(--grad-petrol);color:#fff;font-weight:700}
thead th.hl .tag{display:inline-block;margin-top:7px;font-size:.65rem;padding:3px 10px;border-radius:999px;
  background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.3);letter-spacing:.06em;text-transform:uppercase}
tbody td{padding:16px 22px;font-size:.9rem;text-align:center;border-top:1px solid var(--line-soft)}
tbody td:first-child{text-align:left;font-weight:500;color:var(--ink)}
tbody td.hl{background:rgba(1,125,163,.035)}
.dotmark{width:26px;height:26px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center}
.dotmark.g{background:rgba(30,158,117,.14);color:var(--green)}
.dotmark.p{background:rgba(1,125,163,.14);color:var(--petrol)}
.no{color:#CFCFCC}
.chip{font-size:.7rem;font-weight:600;padding:3px 11px;border-radius:999px;background:rgba(30,158,117,.12);color:var(--green)}

/* ═══════════════════════════════════════════════════════
   BAND CTA (blau, ohne Muster)
   ═══════════════════════════════════════════════════════ */
.band{padding:92px 0;background:var(--grad-petrol);overflow:hidden;text-align:center}
.band::before{content:"";position:absolute;inset:0;background:
  radial-gradient(70% 130% at 50% -20%,rgba(255,255,255,.16),transparent 60%),
  radial-gradient(60% 90% at 88% 110%,rgba(1,60,82,.5),transparent 62%)}
.band-line{position:absolute;left:0;right:0;height:1px;background:var(--hairline);opacity:.7}
.band-line.t{top:0}.band-line.b{bottom:0}
.band-in{position:relative;z-index:1;max-width:780px;margin:0 auto}
.band h2{color:#fff;margin-bottom:18px}
.band .accent{color:#F6DCBB}
.band p{color:rgba(255,255,255,.78);font-size:1.05rem;margin-bottom:34px}

/* ═══════════════════════════════════════════════════════
   TRUST (aufgeräumt)
   ═══════════════════════════════════════════════════════ */
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch}
.tcard{display:flex;flex-direction:column;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-sm);
  transition:transform .3s ease,box-shadow .3s ease}
.tcard:hover{transform:translateY(-3px);box-shadow:var(--sh-md)}
.tmedia{height:248px;position:relative;overflow:hidden;flex:none;background:var(--grad-light)}
.tmedia img{width:100%;height:100%;object-fit:cover;object-position:center 18%}
.tbody{padding:28px 28px 0;display:flex;flex-direction:column;flex:1}
.tlabel{font-size:.68rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--petrol);margin-bottom:9px}
.tcard h3{font-size:1.14rem;margin-bottom:12px}
.tcard .txt{font-size:.9rem;line-height:1.68;color:var(--body);flex:1}
.tfoot{margin:22px 28px 26px;padding-top:18px;border-top:1px solid var(--line-soft);min-height:52px;display:flex;align-items:center}
.tfoot .quote{font-size:.9rem;font-style:italic;color:var(--body)}
.tfoot .note-xs{font-size:.72rem;color:var(--muted)}
/* map */
.map{position:absolute;inset:0}
.map .pin{position:absolute;width:9px;height:9px;border-radius:50%;transform:translate(-50%,-50%)}
.map-center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;pointer-events:none}
.map-center::before{content:"";position:absolute;width:230px;height:120px;border-radius:50%;background:radial-gradient(closest-side,rgba(246,246,245,.96),rgba(246,246,245,0))}
.map-center > *{position:relative}
.map-center b{font-family:'Manrope',sans-serif;font-size:.95rem;color:var(--ink)}
.map-center span{font-size:.78rem;color:var(--body)}
/* rating panel */
.rating{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;
  background:var(--grad-cream)}
.rating .stars{gap:4px}
.rating b{font-family:'Manrope',sans-serif;font-size:2.5rem;font-weight:800;color:var(--ink);letter-spacing:-.03em;line-height:1}
.rating span{font-size:.82rem;color:var(--body)}
.review{border-radius:14px;padding:15px 17px;background:var(--light);margin-bottom:10px}
.review p{font-size:.86rem;font-style:italic;color:var(--body);margin-bottom:6px;line-height:1.6}
.review b{font-size:.75rem;font-weight:600;color:var(--petrol);font-style:normal}

/* ═══════════════════════════════════════════════════════
   FINAL CTA + FOOTER
   ═══════════════════════════════════════════════════════ */
.final{padding:112px 0;background:var(--grad-night);overflow:hidden;text-align:center}
.final::before{content:"";position:absolute;inset:0;background:
  radial-gradient(60% 80% at 50% 0%,rgba(1,125,163,.3),transparent 62%),
  radial-gradient(50% 60% at 82% 100%,rgba(192,124,65,.16),transparent 65%)}
.final-in{position:relative;z-index:1;max-width:820px;margin:0 auto}
.final h2{color:#fff;font-size:clamp(2rem,3.8vw,3.05rem);margin-bottom:20px}
.final-in .sub{color:rgba(255,255,255,.68);font-size:1.08rem;margin-bottom:42px}
.lead-form{max-width:560px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
.lead-row{display:flex;gap:12px}
.lead-form input[type=text],.lead-form input[type=email]{
  flex:1;border-radius:999px;padding:15px 24px;font-size:.95rem;color:#fff;
  background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.16);outline:none;transition:border-color .2s ease,background .2s ease}
.lead-form input::placeholder{color:rgba(255,255,255,.42)}
.lead-form input:focus{border-color:rgba(11,160,199,.75);background:rgba(255,255,255,.12)}
.consent{display:flex;align-items:center;justify-content:center;gap:9px;cursor:pointer}
.consent input{width:16px;height:16px;accent-color:var(--petrol)}
.consent span{font-size:.78rem;color:rgba(255,255,255,.5)}
.consent a{color:rgba(255,255,255,.75);text-decoration:underline}
.thanks{max-width:420px;margin:0 auto;border-radius:22px;padding:44px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12)}
.thanks .ok{width:56px;height:56px;border-radius:50%;margin:0 auto 18px;display:flex;align-items:center;justify-content:center;
  background:rgba(30,158,117,.2);color:var(--green)}
.thanks h4{color:#fff;font-size:1.28rem;margin-bottom:8px}
.thanks p{color:rgba(255,255,255,.6)}
.final .seminar{margin-top:42px;font-size:.9rem;color:rgba(255,255,255,.4)}
.final .seminar a{color:rgba(11,160,199,.9);text-decoration:underline}

footer{background:linear-gradient(180deg,#0A171D,#08131A);color:rgba(255,255,255,.55);padding:76px 0 0}
.f-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding-bottom:52px}
.f-brand p{font-size:.88rem;line-height:1.7;margin:20px 0 12px;max-width:320px}
.f-brand .addr{font-size:.8rem;color:rgba(255,255,255,.4)}
footer h4{color:#fff;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px;font-weight:700}
footer ul{list-style:none;display:flex;flex-direction:column;gap:11px}
footer li a{font-size:.88rem;transition:color .2s ease}
footer li a:hover{color:#fff}
.f-bottom{border-top:1px solid rgba(255,255,255,.09);padding:26px 0 34px;display:flex;justify-content:space-between;
  gap:18px;flex-wrap:wrap;font-size:.76rem;color:rgba(255,255,255,.38)}
.f-legal{display:flex;gap:20px;flex-wrap:wrap}

/* ═══════════════════════════════════════════════════════
   MODAL
   ═══════════════════════════════════════════════════════ */
.ov-modal{position:fixed;inset:0;z-index:120;display:none;align-items:center;justify-content:center;padding:22px;
  background:rgba(8,25,31,.62);backdrop-filter:blur(6px)}
.ov-modal.open{display:flex;animation:fadeIn .22s ease}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.modal{background:#fff;border-radius:26px;max-width:480px;width:100%;padding:40px;box-shadow:var(--sh-lg);
  animation:pop .28s cubic-bezier(.22,1,.36,1);max-height:92vh;overflow:auto}
@keyframes pop{from{opacity:0;transform:translateY(14px) scale(.98)}to{opacity:1;transform:none}}
.modal-x{position:absolute;top:16px;right:16px;width:38px;height:38px;border-radius:50%;display:flex;align-items:center;
  justify-content:center;color:var(--muted);transition:background .2s ease}
.modal-x:hover{background:var(--light);color:var(--ink)}
.modal h3{font-size:1.42rem;margin-bottom:10px}
.modal > p{font-size:.92rem;margin-bottom:26px}
.f-field{margin-bottom:14px}
.f-field input{width:100%;border:1.5px solid var(--line);border-radius:14px;padding:13px 18px;font-size:.94rem;
  outline:none;transition:border-color .2s ease;font-family:inherit;color:var(--ink)}
.f-field input:focus{border-color:var(--petrol)}
.modal .consent{justify-content:flex-start;margin:16px 0 20px}
.modal .consent span{color:var(--muted)}
.modal .consent a{color:var(--petrol)}

/* ═══════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════ */
@media(max-width:1080px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .growth-grid,.what-grid{gap:44px}
  .split-panel{padding:64px 44px}
}
@media(max-width:900px){
  .hd-nav,.hd-cta .btn{display:none}
  .burger{display:flex}
  .hero-media video,.hero-media img{object-position:center 45%}
  .hero-fade{background:linear-gradient(180deg,rgba(8,25,31,.86) 0%,rgba(8,25,31,.7) 45%,rgba(8,25,31,.94) 100%)}
  .hero-inner{padding:130px 0 90px}
  .grid-3,.grid-2,.calc-grid,.growth-grid,.what-grid,.split,.trust-grid,.f-grid{grid-template-columns:1fr}
  .sec{padding:74px 0}
  .split-panel{padding:56px 28px}
  .growth-grid .chart-wrap{order:2}
  .f-grid{gap:34px}
  .lead-row{flex-direction:column}
}
@media(max-width:620px){
  .grid-4{grid-template-columns:1fr}
  .calc-card,.donut-card,.mini-cta,.etf-card{padding:26px}
  .hero p{font-size:1rem}
  .btn{padding:13px 22px;font-size:.9rem}
  .logo-word{font-size:1.1rem}
  .logo-mark{width:31px;height:31px}
  .table-wrap{overflow-x:auto}
  table{min-width:560px}
  .trustbar-in{justify-content:flex-start}
  .f-bottom{flex-direction:column}
  .modal{padding:28px}
  .tmedia{height:210px}
}
/* ═══════════════════════════════════════════════════════
   HEADER: Depot-Login
   ═══════════════════════════════════════════════════════ */
.hd-nav{gap:24px}
.hd-nav a{font-size:.88rem}
.hd-login{display:inline-flex;align-items:center;gap:7px;font-size:.84rem;font-weight:600;
  color:rgba(255,255,255,.8);padding:9px 15px;border-radius:999px;border:1px solid rgba(255,255,255,.22);
  transition:background .25s ease,border-color .25s ease,color .25s ease}
.hd-login:hover{background:rgba(255,255,255,.12);color:#fff}
#hd.scrolled .hd-login{color:var(--body);border-color:var(--line)}
#hd.scrolled .hd-login:hover{background:var(--light);color:var(--ink)}

/* ═══════════════════════════════════════════════════════
   BERATER-FINDER
   ═══════════════════════════════════════════════════════ */
.finder{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:28px;padding:52px;box-shadow:var(--sh-sm)}
.finder-map{position:relative;height:300px;border-radius:20px;overflow:hidden;background:var(--grad-light);border:1px solid var(--line-soft)}

/* ═══════════════════════════════════════════════════════
   BLOG
   ═══════════════════════════════════════════════════════ */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch}
.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;box-shadow:var(--sh-sm);
  transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--sh-md);border-color:rgba(1,125,163,.22)}
.post-img{height:210px;overflow:hidden;flex:none;background:var(--grad-light)}
.post-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s cubic-bezier(.22,1,.36,1)}
.post-card:hover .post-img img{transform:scale(1.045)}
.post-body{padding:26px 26px 28px;display:flex;flex-direction:column;flex:1}
.post-meta{display:flex;flex-wrap:wrap;align-items:center;gap:10px;font-size:.74rem;color:var(--muted);margin-bottom:14px}
.post-cat{font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--petrol);
  background:rgba(1,125,163,.09);padding:4px 11px;border-radius:999px;font-size:.66rem}
.post-card h3{font-size:1.1rem;line-height:1.32;margin-bottom:11px}
.post-card p{font-size:.9rem;line-height:1.68;color:var(--body);flex:1;margin-bottom:20px}
.post-card .link-arrow{align-self:flex-start}
.post-card:hover .link-arrow svg{transform:translateX(4px)}

/* Featured (Übersichtsseite) */
.post-feature{display:grid;grid-template-columns:1.1fr .9fr;gap:0;background:#fff;border:1px solid var(--line);
  border-radius:26px;overflow:hidden;box-shadow:var(--sh-sm);margin-bottom:28px;
  transition:transform .3s ease,box-shadow .3s ease}
.post-feature:hover{transform:translateY(-3px);box-shadow:var(--sh-md)}
.post-feature .post-img{height:100%;min-height:330px}
.post-feature .post-body{padding:48px 46px;justify-content:center}
.post-feature h3{font-size:1.72rem;line-height:1.2;margin-bottom:14px}
.post-feature p{font-size:.98rem}

/* ═══════════════════════════════════════════════════════
   SEITEN-HERO (Blog / Artikel)
   ═══════════════════════════════════════════════════════ */
.page-hero{background:var(--grad-night);padding:172px 0 82px;overflow:hidden;isolation:isolate}
.page-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:
  radial-gradient(70% 90% at 78% 0%,rgba(1,125,163,.3),transparent 62%),
  radial-gradient(50% 70% at 8% 100%,rgba(192,124,65,.14),transparent 66%)}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,4vw,3.15rem);max-width:880px}
.page-hero .lead{color:rgba(255,255,255,.7);margin-top:20px;max-width:660px;font-size:1.08rem}
.crumb{display:flex;align-items:center;gap:9px;font-size:.8rem;color:rgba(255,255,255,.45);margin-bottom:24px}
.crumb a{color:rgba(255,255,255,.7)}
.crumb a:hover{color:#fff}
.art-meta{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;margin-top:30px;padding-top:24px;
  border-top:1px solid rgba(255,255,255,.14);font-size:.84rem;color:rgba(255,255,255,.6)}
.art-meta .who{display:flex;align-items:center;gap:11px;color:#fff;font-weight:600}
.art-meta .who img{width:38px;height:38px;border-radius:50%;object-fit:cover;object-position:center 15%}

/* ═══════════════════════════════════════════════════════
   ARTIKEL
   ═══════════════════════════════════════════════════════ */
.art-wrap{max-width:760px;margin:0 auto}
.art-cover{max-width:1000px;margin:-52px auto 0;border-radius:24px;overflow:hidden;box-shadow:var(--sh-lg);position:relative;z-index:2}
.art-cover img{width:100%;height:auto;display:block}
.art-body{font-size:1.06rem;line-height:1.8;color:var(--body)}
.art-body > p{margin-bottom:22px}
.art-body .intro{font-size:1.2rem;line-height:1.7;color:var(--ink);font-weight:500;margin-bottom:32px}
.art-body h2{font-size:1.72rem;margin:52px 0 18px}
.art-body h3{font-size:1.16rem;margin:34px 0 12px}
.art-body ul{margin:0 0 24px;padding-left:0;list-style:none;display:flex;flex-direction:column;gap:11px}
.art-body ul li{display:flex;gap:12px;align-items:flex-start}
.art-body ul li::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--petrol);flex:none;margin-top:11px}
.art-body strong{color:var(--ink);font-weight:600}
.art-body a{color:var(--petrol);text-decoration:underline;text-underline-offset:3px}
.pull{margin:40px 0;padding:32px 34px;border-radius:22px;background:var(--grad-cream);
  border:1px solid rgba(192,124,65,.22)}
.pull p{font-family:'Manrope',sans-serif;font-size:1.24rem;line-height:1.45;color:var(--ink);font-weight:700;letter-spacing:-.015em}
.pull span{display:block;margin-top:12px;font-size:.82rem;color:var(--ochre);font-weight:600;letter-spacing:.05em}
.factbox{margin:36px 0;border-radius:20px;padding:28px 30px;background:rgba(1,125,163,.05);border:1px solid rgba(1,125,163,.16)}
.factbox h4{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--petrol);margin-bottom:14px}
.factbox ul li::before{background:var(--ochre)}
.factbox ul{margin:0}
.art-cta{margin:52px 0 0;border-radius:24px;padding:44px;text-align:center;background:var(--grad-night);position:relative;overflow:hidden}
.art-cta::before{content:"";position:absolute;inset:0;background:radial-gradient(70% 100% at 50% 0%,rgba(1,125,163,.32),transparent 65%)}
.art-cta > *{position:relative;z-index:1}
.art-cta h3{color:#fff;font-size:1.5rem;margin-bottom:12px}
.art-cta p{color:rgba(255,255,255,.68);margin-bottom:26px;font-size:.98rem}
.art-note{margin-top:40px;padding-top:22px;border-top:1px solid var(--line);font-size:.78rem;color:var(--muted);line-height:1.65}

@media(max-width:900px){
  .finder,.post-grid,.post-feature{grid-template-columns:1fr}
  .finder{padding:32px 26px;gap:30px}
  .post-feature .post-body{padding:32px 28px}
  .post-feature .post-img{min-height:220px}
  .page-hero{padding:140px 0 64px}
  .art-cover{margin-top:-30px;border-radius:18px}
  .art-cta{padding:32px 24px}
}
@media(max-width:1180px){
  .hd-nav{display:none}
  .burger{display:flex}
  .hd-cta .hd-login{display:none}
}