@font-face{font-family:'Poppins';font-style:normal;font-weight:400;font-display:swap;src:url("../fonts/poppins-400.woff2") format("woff2")}
@font-face{font-family:'Poppins';font-style:normal;font-weight:500;font-display:swap;src:url("../fonts/poppins-500.woff2") format("woff2")}
@font-face{font-family:'Poppins';font-style:normal;font-weight:600;font-display:swap;src:url("../fonts/poppins-600.woff2") format("woff2")}
@font-face{font-family:'Poppins';font-style:normal;font-weight:700;font-display:swap;src:url("../fonts/poppins-700.woff2") format("woff2")}

:root{--navy:#001f46;--navy2:#0a3a73;--gold:#c08a2e;--gold2:#d8a958;--gold-soft:#f7efdf;--ink:#1f2d3d;--muted:#5d6b7c;--line:#e8ecf2;--soft:#f6f8fb;--white:#fff;--shadow:0 24px 60px rgba(0,31,70,.10);--shadow-sm:0 8px 28px rgba(0,31,70,.06);--r-lg:28px;--r-md:20px;--max:1180px;--font:'Poppins',ui-sans-serif,system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
.container{width:min(var(--max),calc(100% - 44px));margin:auto}
section{padding:96px 0;scroll-margin-top:120px}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}

/* Topbar */
.topbar{background:var(--navy);color:#fff;font-size:14px}
.topbar .container{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.topbar a{color:#fff;opacity:.92;font-weight:500}
.topbar a:hover{opacity:1;color:var(--gold2)}
.topbar .tb-group{display:flex;gap:22px;align-items:center}

/* Header */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.93);backdrop-filter:blur(14px);transition:box-shadow .25s ease}
.header.scrolled{box-shadow:0 8px 30px rgba(0,31,70,.08)}
.nav{height:88px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;flex-direction:column;line-height:1.1}
.brand-main{font-size:28px;font-weight:700;letter-spacing:.16em;color:var(--navy)}
.brand-sub{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-top:4px}
.menu{display:flex;align-items:center;gap:26px;font-weight:500;font-size:15.5px}
.menu a{transition:color .2s}
.menu a:hover{color:var(--gold)}
.phone{background:var(--gold);color:#fff;padding:13px 24px;border-radius:999px;font-weight:600;box-shadow:0 10px 24px rgba(192,138,46,.28);transition:transform .2s,box-shadow .2s}
.phone:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(192,138,46,.36);color:#fff}
.burger{display:none;width:48px;height:48px;border:1px solid var(--line);background:#fff;border-radius:14px;align-items:center;justify-content:center;cursor:pointer}
.burger span,.burger span:before,.burger span:after{content:"";display:block;width:22px;height:2px;background:var(--navy);position:relative;border-radius:2px}
.burger span:before{position:absolute;top:-7px}
.burger span:after{position:absolute;top:7px}

/* Hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(700px 420px at 10% -10%,#fdf6e9 0%,rgba(253,246,233,0) 60%),radial-gradient(800px 520px at 105% 15%,#eef3fb 0%,rgba(238,243,251,0) 62%),#fff}
.hero .container{min-height:560px;display:grid;grid-template-columns:1.06fr .94fr;align-items:center;gap:56px;padding-block:78px}
.kicker{display:inline-flex;align-items:center;gap:8px;background:var(--gold-soft);color:#8a6118;font-weight:600;letter-spacing:.07em;text-transform:uppercase;font-size:12.5px;padding:9px 18px;border-radius:999px;margin-bottom:22px}
h1,h2,h3{color:var(--navy);margin:0;letter-spacing:-.02em;font-weight:700}
h1{font-size:clamp(36px,4.6vw,56px);line-height:1.14}
.lead{font-size:18.5px;color:#3c4a5c;margin:22px 0 0;max-width:640px}
.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:56px;padding:0 30px;border-radius:999px;font-weight:600;font-size:16px;border:1px solid transparent;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s,color .2s,border-color .2s}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 14px 30px rgba(0,31,70,.22)}
.btn-primary:hover{background:var(--navy2);transform:translateY(-2px);box-shadow:0 18px 36px rgba(0,31,70,.28)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.hero-image{position:relative}
.hero-image .photo{width:100%;height:520px;object-fit:cover;border-radius:var(--r-lg);box-shadow:var(--shadow)}
.stat{display:inline-flex;align-items:center;gap:12px;margin-top:30px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm);padding:14px 24px;border-radius:999px;font-weight:600;color:var(--navy);font-size:15.5px}
.stat b{color:var(--gold);font-size:19px;font-weight:700}

/* Vertrauensleiste */
.trust{background:#fff;padding:36px 0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.trust-item{padding:22px 24px;display:flex;gap:16px;align-items:center;background:var(--soft);border:1px solid var(--line);border-radius:var(--r-md)}
.trust-icon{flex:none;width:50px;height:50px;background:var(--gold-soft);border-radius:50%;display:grid;place-items:center;color:var(--gold);font-size:21px}
.trust-item strong{display:block;color:var(--navy);font-size:16px;font-weight:600;line-height:1.35}
.trust-item small{color:var(--muted);font-size:13.5px}

/* Sektionstitel */
.section-title{text-align:center;margin-bottom:54px}
.section-title h2{font-size:clamp(30px,3.4vw,42px)}
.section-title p{color:var(--muted);font-size:17.5px;max-width:760px;margin:16px auto 0}

/* Unsere Idee / Akkordeon */
.idee{background:var(--soft)}
.idee-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:46px;align-items:start}
.idee-copy h2{font-size:clamp(28px,3.2vw,40px)}
.idee-copy p{color:#3c4a5c;font-size:17px;margin:18px 0 0}
.accordion details{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-sm);overflow:hidden}
.accordion details+details{margin-top:14px}
.accordion summary{cursor:pointer;padding:22px 26px;font-weight:600;color:var(--navy);font-size:16.5px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
.accordion summary::-webkit-details-marker{display:none}
.accordion summary:after{content:"+";font-size:26px;color:var(--gold);font-weight:600;line-height:1;transition:transform .25s;flex:none}
.accordion details[open] summary:after{transform:rotate(45deg)}
.accordion .acc-body{padding:0 26px 24px;color:var(--muted);font-size:15.5px;line-height:1.8}

/* Feature (Seniorendarlehen) + Bildkarte */
.audience{background:#fff}
.audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:stretch}
.feature{background:linear-gradient(150deg,var(--navy) 0%,#0a3a73 100%);color:#fff;border-radius:var(--r-lg);overflow:hidden;display:grid;grid-template-columns:.9fr 1.1fr;box-shadow:var(--shadow)}
.feature img{height:100%;width:100%;object-fit:cover}
.feature-content{padding:42px 38px}
.feature .kicker{background:rgba(255,255,255,.12);color:var(--gold2);margin-bottom:16px}
.feature h2{color:#fff;font-size:26px;line-height:1.28}
.feature p{color:rgba(255,255,255,.8);font-size:15.5px;margin:14px 0 0}
.feature ul{margin:20px 0 0;padding:0;list-style:none}
.feature li{margin:11px 0;color:rgba(255,255,255,.92);font-size:15px;display:flex;gap:10px}
.feature li:before{content:"\2713";flex:none;width:22px;height:22px;border-radius:50%;background:rgba(216,169,88,.18);color:var(--gold2);font-weight:700;font-size:12px;display:grid;place-items:center;margin-top:3px}
.image-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.image-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.image-card img{width:100%;height:270px;object-fit:cover}
.image-card>div{padding:34px}
.image-card h3{font-size:23px;font-weight:600}
.image-card p{color:var(--muted);font-size:15.5px;margin:12px 0 18px}
.tagline{display:inline-block;margin-top:16px;font-weight:600;color:var(--gold);font-size:15px;letter-spacing:.04em}

/* Umschuldung */
.umschuldung{background:var(--soft)}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}
.split-copy h2{font-size:clamp(28px,3.2vw,40px)}
.split-copy p{color:#3c4a5c;font-size:16.5px;margin:18px 0 0}
.benefit{background:linear-gradient(135deg,var(--navy),#0a3a73);color:#fff;border-radius:24px;padding:36px 38px;box-shadow:var(--shadow)}
.benefit h3{color:var(--gold2);font-size:19px;margin-bottom:12px}
.benefit p{color:rgba(255,255,255,.88);font-size:16px;margin:0}

/* Finanzierungen / Karten */
.services{background:#fff}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:36px 32px;box-shadow:var(--shadow-sm);transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#ecdfc6}
.card-icon{width:58px;height:58px;border-radius:18px;background:linear-gradient(135deg,var(--navy),#14418a);color:#fff;display:grid;place-items:center;font-size:24px;margin-bottom:22px}
.card h3{font-size:20px;line-height:1.3;font-weight:600}
.card p{color:var(--muted);font-size:15px;margin:12px 0 20px}
.more{color:var(--gold);font-weight:600;font-size:15px;display:inline-flex;align-items:center;gap:6px;transition:gap .2s}
.more:hover{gap:11px}
.cta-card{background:linear-gradient(135deg,var(--gold),var(--gold2));border:none;display:flex;flex-direction:column;justify-content:center}
.cta-card h3,.cta-card .more{color:#fff}
.cta-card p{color:rgba(255,255,255,.92)}

/* Kontakt */
.contact{background:linear-gradient(180deg,#fff 0%,var(--soft) 100%)}
.contact-box{display:grid;grid-template-columns:.85fr 1.15fr;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.contact-photo{min-height:420px;background:var(--soft)}
.contact-photo img{width:100%;height:100%;object-fit:cover}
.form-wrap{padding:46px 44px}
.form-wrap h2{font-size:31px}
.contact-info{display:flex;flex-direction:column;gap:13px;margin:24px 0 6px}
.contact-info a,.contact-info span{display:flex;gap:13px;align-items:center;font-size:16.5px;color:var(--ink);font-weight:500}
.contact-info a:hover{color:var(--gold)}
.ci-ico{width:44px;height:44px;flex:none;border-radius:50%;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;font-size:18px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px}
.full{grid-column:1/-1}
label{font-weight:600;color:var(--navy);font-size:14px;margin-bottom:7px;display:block}
input,textarea{width:100%;border:1px solid var(--line);border-radius:12px;padding:15px 16px;font:inherit;font-size:16px;background:#fbfcfe;color:var(--ink);transition:border-color .2s,box-shadow .2s;outline:none}
input:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(192,138,46,.12);background:#fff}
textarea{min-height:140px;resize:vertical}
.consent{display:flex;gap:12px;align-items:flex-start;margin:18px 0 6px;font-size:13.5px;color:var(--muted);line-height:1.65}
.consent input{width:auto;min-width:22px;height:22px;margin-top:2px;accent-color:var(--gold)}
.consent a{color:var(--gold);font-weight:600;text-decoration:underline}
.note{font-size:13px;color:var(--muted);margin:12px 0 18px}

/* Footer */
.footer{background:var(--navy);color:rgba(255,255,255,.78);padding:72px 0 28px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.1fr;gap:32px}
.footer .brand-main{color:#fff;font-size:24px}
.footer .brand-sub{color:var(--gold2)}
.footer p{margin-top:14px;line-height:1.75;font-size:14px;color:rgba(255,255,255,.62)}
.footer h4{color:#fff;margin:0 0 16px;font-size:15px;font-weight:600}
.footer a{display:block;margin:9px 0;color:rgba(255,255,255,.72);transition:color .2s}
.footer a:hover{color:var(--gold2)}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:13px;color:rgba(255,255,255,.55)}
.legal a{display:inline;color:rgba(255,255,255,.7);margin:0 4px}
.legal a:hover{color:var(--gold2)}

/* Rechtsseiten */
.legal-page{padding:72px 0 90px}
.legal-page .container{max-width:880px}
.legal-page h1{font-size:clamp(32px,4vw,44px);margin-bottom:8px}
.legal-page h2{font-size:22px;margin:42px 0 12px}
.legal-page h3{font-size:17.5px;margin:26px 0 8px;color:var(--navy)}
.legal-page p,.legal-page li{color:#3c4a5c;font-size:15.5px;line-height:1.85}
.legal-page ul{padding-left:22px}
.legal-page a{color:var(--gold);font-weight:500}
.stand{color:var(--muted);font-size:14px;margin:4px 0 34px}

/* Scroll-Reveal */
.rv{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.6,.2,1),transform .7s cubic-bezier(.2,.6,.2,1)}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* Responsive */
@media(max-width:980px){
.topbar .container{justify-content:center;text-align:center}
.topbar .tb-note{display:none}
.menu{display:none;position:fixed;left:20px;right:20px;top:140px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:18px;flex-direction:column;align-items:stretch;z-index:60}
.menu.open{display:flex}
.menu a{padding:13px}
.phone{display:inline-flex;justify-content:center}
.burger{display:flex}
.hero .container{grid-template-columns:1fr;gap:36px;padding-block:54px;min-height:0}
.hero-image .photo{height:380px;border-radius:24px}
.trust-grid{grid-template-columns:repeat(2,1fr)}
.idee-grid,.split,.audience-grid,.contact-box{grid-template-columns:1fr}
.idee-grid{gap:34px}
.split img{height:340px}
.feature{grid-template-columns:1fr}
.feature img{max-height:300px}
.cards{grid-template-columns:repeat(2,1fr)}
.footer-grid{grid-template-columns:1fr 1fr}
section{padding:72px 0}
}
@media(max-width:640px){
.container{width:min(100% - 30px,var(--max))}
.nav{height:80px}
.brand-main{font-size:23px}
.brand-sub{font-size:9.5px}
h1{font-size:34px}
.lead{font-size:16.5px}
.actions .btn{width:100%}
.hero-image .photo{height:300px}
.trust-grid,.cards,.form-grid,.footer-grid{grid-template-columns:1fr}
.contact-photo{min-height:260px}
.form-wrap{padding:28px 22px}
section{padding:60px 0}
.menu{top:126px;left:14px;right:14px}
.feature-content{padding:28px 24px}
.section-title{margin-bottom:40px}
.benefit{padding:28px 24px}
}