/* ===================== MehrWert Vorsorge — Website ===================== */
:root{
  --green:#1a5346; --green-deep:#143f37; --green-hero:#17463b;
  --teal:#63a199; --sage:#8f8e7c; --navy:#0f435a;
  --gold:#fcc93b; --gold-deep:#cf9b12; --lime:#accb39; --lime-soft:#eef3df;
  --ink:#26302b; --slate:#5f6c66; --line:#e6e2d6; --line-soft:#ece8dd;
  --cream:#f6f2e8; --card:#fffdf8;
  --maxw:1180px;
  --shadow:0 18px 50px rgba(20,63,55,.12);
  --shadow-sm:0 6px 18px rgba(38,48,43,.06);
}
*{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; scroll-padding-top:92px; }
body{ font-family:"Hanken Grotesk",sans-serif; color:var(--ink); background:var(--cream);
  line-height:1.6; -webkit-font-smoothing:antialiased; overflow-x:hidden; }
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
.serif{ font-family:"Bitter",serif; }
.wrap{ max-width:var(--maxw); margin:0 auto; padding:0 32px; }
.eyebrow{ display:inline-flex; align-items:center; gap:9px; font-size:12px; font-weight:800;
  letter-spacing:.16em; text-transform:uppercase; color:var(--gold-deep); }
.eyebrow.on-green{ color:var(--gold); }
.eyebrow::before{ content:""; width:26px; height:2px; background:currentColor; border-radius:2px; }
h1,h2,h3,h4{ font-family:"Bitter",serif; font-weight:700; letter-spacing:-.01em; line-height:1.1;
  color:var(--green); text-wrap:balance; }
.gi{ font-style:italic; color:var(--gold-deep); }
.on-green .gi, h1 .gi.light, .light .gi{ color:var(--gold); }
p{ text-wrap:pretty; }

/* ---------- buttons ---------- */
.btn{ display:inline-flex; align-items:center; gap:10px; font-weight:800; font-size:15px;
  padding:14px 26px; border-radius:12px; cursor:pointer; border:none; transition:transform .15s ease, box-shadow .2s ease, background .2s; }
.btn svg{ width:17px; height:17px; }
.btn-gold{ background:var(--gold); color:#3a2e07; box-shadow:0 12px 26px rgba(207,155,18,.32); }
.btn-gold:hover{ transform:translateY(-2px); box-shadow:0 16px 32px rgba(207,155,18,.42); }
.btn-ghost{ border:1.6px solid var(--gold); color:var(--gold); background:transparent; }
.btn-ghost:hover{ background:var(--gold); color:#3a2e07; }
.btn-green{ background:var(--green); color:#fff; box-shadow:0 12px 26px rgba(20,63,55,.28); }
.btn-green:hover{ transform:translateY(-2px); background:var(--green-deep); }
.btn-outline{ border:1.6px solid var(--green); color:var(--green); background:transparent; }
.btn-outline:hover{ background:var(--green); color:#fff; }

/* ---------- header / nav ---------- */
header.nav{ position:sticky; top:0; z-index:60; background:rgba(246,242,232,.86);
  backdrop-filter:blur(12px); border-bottom:1px solid var(--line); }
.nav-inner{ max-width:var(--maxw); margin:0 auto; padding:12px 32px; display:flex; align-items:center;
  justify-content:space-between; gap:24px; }
.nav-logo img{ height:46px; }
.nav-links{ display:flex; align-items:center; gap:4px; }
.nav-links a{ font-size:14.5px; font-weight:600; color:var(--slate); padding:9px 14px; border-radius:9px;
  transition:color .15s, background .15s; white-space:nowrap; }
.nav-links a:hover{ color:var(--green); background:rgba(26,83,70,.07); }
.nav-links a.active{ color:var(--green); font-weight:700; }
.nav-cta{ margin-left:6px; }
.nav-toggle{ display:none; flex-direction:column; gap:5px; background:none; border:none; cursor:pointer; padding:8px; }
.nav-toggle span{ width:24px; height:2.4px; background:var(--green); border-radius:2px; transition:.25s; }

/* ---------- hero band (green) ---------- */
.hero{ background:var(--green-hero); color:#e9f1ee; position:relative; overflow:hidden; }
.hero::after{ content:""; position:absolute; right:-110px; top:48px; width:450px; height:495px;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 110'%3E%3Cpath d='M50 2 95 28V82L50 108 5 82V28Z' fill='none' stroke='%23fcc93b' stroke-width='1.3'/%3E%3C/svg%3E") no-repeat center/contain; opacity:.5; pointer-events:none; }
.hero::before{ content:""; position:absolute; right:150px; top:250px; width:300px; height:330px; z-index:1;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 110'%3E%3Cpath d='M50 2 95 28V82L50 108 5 82V28Z' fill='none' stroke='%23fcc93b' stroke-width='1.6'/%3E%3C/svg%3E") no-repeat center/contain; opacity:.55; pointer-events:none; }
.hexwm{ position:absolute; pointer-events:none; opacity:.07; }
.hexwm svg{ width:100%; height:100%; display:block; }
.hero .wrap{ position:relative; z-index:2; padding:84px 32px 88px; }
.hero h1{ color:#fff; font-size:clamp(52px,8vw,104px); line-height:1.0; letter-spacing:-.02em; margin:22px 0 0; max-width:14ch; }
.hero h1 .gi{ color:var(--gold); }
.hero .lead{ color:#cfe0da; font-size:clamp(16px,1.5vw,19px); font-weight:600; max-width:60ch; margin-top:22px; }
.hero .actions{ display:flex; flex-wrap:wrap; gap:14px; margin-top:34px; }
.hero.compact .wrap{ padding:64px 32px 64px; }
.hero.compact h1{ font-size:clamp(32px,4vw,48px); }

/* breadcrumb-ish sublabel */
.hero .crumb{ font-size:12.5px; font-weight:700; letter-spacing:.06em; color:#9fc0b6; }

/* ---------- generic section ---------- */
section.block{ padding:84px 0; }
section.block.tight{ padding:60px 0; }
.section-head{ max-width:62ch; margin-bottom:46px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head h2{ font-size:clamp(28px,3.4vw,40px); margin-top:14px; }
.section-head p{ color:var(--slate); font-size:17px; margin-top:14px; }
.bg-white{ background:var(--card); }
.bg-cream{ background:var(--cream); }
.bg-green{ background:var(--green-hero); color:#e9f1ee; }
.bg-green h2{ color:#fff; } .bg-green .section-head p{ color:#bcd3cc; }

/* ---------- stats strip ---------- */
.stats{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.stat{ padding:28px 26px; border-radius:18px; background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.12); }
.stat .n{ font-family:"Bitter",serif; font-weight:700; font-size:48px; color:var(--gold); line-height:1; }
.stat .n small{ font-size:22px; }
.stat .t{ color:#cfe0da; font-weight:600; margin-top:12px; font-size:14.5px; }

/* ---------- cards grid ---------- */
.grid{ display:grid; gap:24px; }
.grid.c2{ grid-template-columns:repeat(2,1fr); }
.grid.c3{ grid-template-columns:repeat(3,1fr); }
.grid.c4{ grid-template-columns:repeat(4,1fr); }
.card{ background:var(--card); border:1px solid var(--line); border-radius:18px; padding:30px 28px;
  box-shadow:var(--shadow-sm); transition:transform .2s ease, box-shadow .2s ease; }
.card.lift:hover{ transform:translateY(-4px); box-shadow:var(--shadow); }
.card .ic{ width:56px; height:56px; border-radius:14px; background:var(--lime-soft); display:flex;
  align-items:center; justify-content:center; margin-bottom:18px; }
.card .ic svg{ width:30px; height:30px; }
.card h3{ font-size:20px; }
.card p{ color:var(--slate); font-size:14.5px; margin-top:9px; }
.card .accent-num{ font-family:"Bitter",serif; font-weight:700; font-size:15px; color:var(--gold-deep);
  letter-spacing:.04em; }

/* checklist */
.checks{ display:grid; grid-template-columns:1fr 1fr; gap:16px 36px; }
.chk{ display:flex; gap:13px; align-items:flex-start; font-size:15px; line-height:1.5; }
.chk .b{ flex:none; width:22px; height:22px; border-radius:7px; background:var(--green); display:flex;
  align-items:center; justify-content:center; margin-top:2px; }
.chk .b svg{ width:12px; height:12px; }
.chk b{ color:var(--green); }

/* split feature */
.split{ display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center; }
.split .media{ border-radius:20px; overflow:hidden; box-shadow:var(--shadow); background:var(--lime-soft);
  aspect-ratio:4/3; display:flex; align-items:center; justify-content:center; }
.split .media.chart{ padding:30px 40px 34px; flex-direction:column; gap:10px; }
.split .media.chart .chart-title{ font-family:"Bitter",serif; font-weight:700; font-size:19px;
  color:var(--green); text-align:center; }
.split h2{ font-size:clamp(26px,3vw,36px); }
.split p{ color:var(--slate); font-size:16px; margin-top:16px; }

/* money / compare */
.compare{ display:flex; align-items:stretch; gap:0; border-radius:18px; overflow:hidden;
  border:1px solid rgba(255,255,255,.16); max-width:520px; }
.compare .c{ flex:1; padding:26px 22px; text-align:center; }
.compare .c.old{ background:rgba(255,255,255,.04); }
.compare .c.new{ background:rgba(252,201,59,.12); }
.compare .c .n{ font-family:"Bitter",serif; font-weight:700; font-size:42px; line-height:1; }
.compare .c.old .n{ color:#8fb0a6; } .compare .c.new .n{ color:var(--gold); }
.compare .c .l{ font-size:11px; font-weight:800; letter-spacing:.1em; text-transform:uppercase; margin-top:8px; color:#bcd3cc; }
.compare .mid{ display:flex; align-items:center; padding:0 6px; color:var(--lime); font-size:26px; }

/* testimonials */
.testi{ background:var(--card); border:1px solid var(--line); border-radius:18px; padding:30px 30px 26px;
  box-shadow:var(--shadow-sm); display:flex; flex-direction:column; height:100%; }
.testi .qm{ font-family:"Bitter",serif; font-size:54px; line-height:.5; color:var(--lime); height:26px; }
.testi p{ font-family:"Bitter",serif; font-style:italic; font-size:15.5px; line-height:1.55; color:var(--ink); margin-top:10px; flex:1; }
.testi .who{ display:flex; align-items:center; gap:14px; margin-top:20px; padding-top:18px; border-top:1px solid var(--line-soft); }
.testi .who img{ height:34px; width:auto; }
.testi .who .nm b{ display:block; color:var(--green); font-size:14px; }
.testi .who .nm span{ color:var(--slate); font-size:12px; }

/* steps */
.steps{ display:flex; flex-direction:column; }
.step{ display:grid; grid-template-columns:64px 1fr; gap:22px; padding:22px 0; border-top:1px solid var(--line); }
.step:first-child{ border-top:none; }
.step .n{ width:52px; height:52px; border-radius:14px; background:var(--green); color:#fff;
  font-family:"Bitter",serif; font-weight:700; font-size:24px; display:flex; align-items:center; justify-content:center; }
.step.acc .n{ background:var(--gold); color:#3a2e07; }
.step h4{ font-size:18px; }
.step p{ color:var(--slate); font-size:14.5px; margin-top:5px; }

/* CTA band */
.ctaband{ background:var(--green); border-radius:24px; padding:54px 56px; color:#e9f1ee; position:relative; overflow:hidden; }
.ctaband h2{ color:#fff; font-size:clamp(26px,3vw,38px); max-width:20ch; }
.ctaband p{ color:#bcd3cc; font-weight:600; margin-top:14px; max-width:56ch; }
.ctaband .actions{ display:flex; flex-wrap:wrap; gap:14px; margin-top:28px; }

/* QR / check */
.qrbox{ background:#fff; border-radius:20px; padding:22px; text-align:center; box-shadow:var(--shadow); }
.qrbox .qr-cta{ display:flex; flex-direction:column; align-items:center; gap:3px;
  background:var(--gold); color:#3a2e07; border-radius:13px; padding:13px 20px 12px; margin-bottom:20px; }
.qrbox .qr-cta b{ display:flex; align-items:center; gap:9px; font-family:"Bitter",serif; font-weight:700; font-size:18px; }
.qrbox .qr-cta b svg{ width:20px; height:20px; }
.qrbox .qr-cta small{ font-size:12.5px; font-weight:700; opacity:.82; }
.qrbox img{ width:200px; height:200px; margin:0 auto; }
.qrbox .cap{ font-family:"Bitter",serif; font-weight:700; color:var(--green); font-size:17px; margin-top:12px; }
.qrbox .sub{ color:var(--slate); font-size:13px; margin-top:5px; }

/* ---------- forms ---------- */
.form{ display:grid; gap:18px; }
.field{ display:flex; flex-direction:column; gap:7px; }
.field label{ font-size:13px; font-weight:700; color:var(--green); letter-spacing:.01em; }
.field input, .field textarea, .field select{ font-family:inherit; font-size:15px; color:var(--ink);
  background:var(--card); border:1.5px solid var(--line); border-radius:11px; padding:13px 15px; transition:border .15s, box-shadow .15s; }
.field input:focus, .field textarea:focus, .field select:focus{ outline:none; border-color:var(--green);
  box-shadow:0 0 0 3px rgba(26,83,70,.12); }
.field textarea{ resize:vertical; min-height:130px; }
.field.row2{ }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.form-note{ font-size:12px; color:var(--slate); }
.form-msg{ display:none; padding:14px 18px; border-radius:11px; font-weight:600; font-size:14px; }
.form-msg.show{ display:block; }
.form-msg.ok-msg{ background:var(--lime-soft); color:var(--green); border:1px solid #cfe0a0; }
.form-msg.err-msg{ background:#fbe9e7; color:#9c3526; border:1px solid #f3cfc8; }

/* success confirmation card */
.success-card{ position:relative; overflow:hidden; background:var(--green); color:#eaf1ee;
  border-radius:20px; padding:46px 44px 42px; box-shadow:var(--shadow); text-align:left;
  animation:scIn .5s cubic-bezier(.16,.84,.44,1) both; }
.success-card .sc-icon{ width:64px; height:64px; margin-bottom:22px; }
.success-card .sc-icon svg{ width:100%; height:100%; display:block; }
.success-card h2{ color:#fff; font-size:28px; margin:0 0 12px; }
.success-card p{ color:#cfe0da; font-size:16px; line-height:1.65; margin:0 0 10px; max-width:46ch; }
.success-card p b{ color:#fff; }
.success-card .sc-sub{ font-size:14px; color:#9fc0b6; margin-top:14px; }
.success-card .sc-actions{ display:flex; flex-wrap:wrap; gap:12px; margin-top:26px; }
.btn-outline-light{ border:1.6px solid rgba(255,255,255,.5); color:#fff; background:transparent; }
.btn-outline-light:hover{ background:#fff; color:var(--green); border-color:#fff; }
@keyframes scIn{ from{ opacity:0; transform:translateY(20px) scale(.98); } to{ opacity:1; transform:none; } }
@media (prefers-reduced-motion:reduce){ .success-card{ animation:none; } }

/* contact items */
.cinfo{ display:flex; flex-direction:column; gap:6px; }
.citem{ display:flex; gap:15px; align-items:flex-start; padding:16px 0; border-top:1px solid var(--line); }
.citem:first-child{ border-top:none; }
.citem .ic{ flex:none; width:42px; height:42px; border-radius:12px; background:var(--lime-soft);
  display:flex; align-items:center; justify-content:center; }
.citem .ic svg{ width:21px; height:21px; }
.citem .lbl{ font-size:12px; font-weight:800; letter-spacing:.08em; text-transform:uppercase; color:var(--gold-deep); }
.citem a, .citem b{ display:block; font-size:16px; color:var(--ink); font-weight:700; margin-top:3px; }
.citem a:hover{ color:var(--green); }

/* ---------- footer ---------- */
footer.ft{ background:var(--green-deep); color:#a9c1ba; padding:60px 0 28px; margin-top:0; }
.ft-top{ display:grid; grid-template-columns:1.4fr 1fr 1fr; gap:40px; }
.ft-logo{ background:#fff; border-radius:12px; padding:12px 18px; display:inline-flex; }
.ft-logo img{ height:40px; }
.ft p.tag{ margin-top:18px; font-size:14px; line-height:1.7; max-width:34ch; }
.ft h5{ color:#fff; font-family:"Bitter",serif; font-size:15px; margin-bottom:14px; }
.ft ul{ list-style:none; display:flex; flex-direction:column; gap:9px; }
.ft ul a{ font-size:14px; color:#a9c1ba; }
.ft ul a:hover{ color:var(--gold); }
.ft-bot{ margin-top:44px; padding-top:22px; border-top:1px solid rgba(255,255,255,.12);
  display:flex; justify-content:space-between; gap:20px; font-size:12px; flex-wrap:wrap; }
.ft-bot .brand{ font-weight:800; letter-spacing:.16em; text-transform:uppercase; color:var(--gold); }

/* ---------- ESG panel (folder-style green box with big tiles) ---------- */
.esgpanel{ background:var(--green); border-radius:24px; padding:48px 50px 50px; color:#e9f1ee;
  position:relative; overflow:hidden; box-shadow:var(--shadow); }
.esgpanel .esghead{ position:relative; z-index:2; margin-bottom:30px; }
.esgpanel .esghead h2{ color:#fff; font-size:clamp(26px,3vw,36px); margin-top:12px; }
.esggrid{ position:relative; z-index:2; display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.esgtile{ background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.14); border-radius:16px;
  padding:26px 26px 24px; transition:transform .2s ease, background .2s ease; }
.esgtile:hover{ transform:translateY(-3px); background:rgba(255,255,255,.09); }
.esgtile .eic{ width:48px; height:48px; }
.esgtile .eic svg{ width:100%; height:100%; display:block; }
.esgtile h3{ font-family:"Bitter",serif; color:#fff; font-size:20px; margin:16px 0 7px; }
.esgtile p{ color:#cfe0da; font-weight:600; font-size:14.5px; line-height:1.5; }
.esgclose{ position:relative; z-index:2; margin-top:30px; padding-top:24px;
  border-top:1px solid rgba(255,255,255,.16); font-family:"Bitter",serif; font-style:italic;
  font-size:20px; line-height:1.45; color:#fff; }
.esgclose .gi{ color:var(--gold); }
@media (max-width:760px){ .esgpanel{ padding:34px 24px 36px; } .esggrid{ grid-template-columns:1fr; } }

/* ---------- legal / long-form text pages ---------- */
.legal{ max-width:840px; }
.legal h2{ font-size:24px; margin:40px 0 12px; padding-top:26px; border-top:1px solid var(--line); }
.legal h2:first-of-type{ border-top:none; padding-top:0; margin-top:0; }
.legal h3{ font-size:18px; color:var(--green); margin:24px 0 8px; }
.legal p{ color:var(--ink); font-size:15.5px; margin:10px 0; line-height:1.7; }
.legal p.muted, .legal .muted{ color:var(--slate); font-size:13.5px; }
.legal a{ color:var(--green-deep); font-weight:600; text-decoration:underline; text-underline-offset:2px; }
.legal a:hover{ color:var(--gold-deep); }
.legal ul{ margin:12px 0 12px 4px; padding-left:22px; display:flex; flex-direction:column; gap:8px; }
.legal ul li{ font-size:15.5px; line-height:1.6; }
.legal .dl{ display:grid; grid-template-columns:200px 1fr; gap:10px 22px; margin:14px 0; }
.legal .dl dt{ font-weight:700; color:var(--green); font-size:14.5px; }
.legal .dl dd{ font-size:15px; }
.legal .infobox{ background:var(--card); border:1px solid var(--line); border-left:4px solid var(--lime);
  border-radius:12px; padding:20px 24px; margin:20px 0; }
.legal .infobox p{ margin:6px 0; }
.legal .infobox b{ color:var(--green); }
.legal .stand{ margin-top:40px; padding-top:18px; border-top:1px solid var(--line); font-size:12.5px; color:var(--slate); }
.legal .toc{ display:flex; flex-wrap:wrap; gap:10px; margin-bottom:36px; }
.legal .toc a{ font-size:13px; font-weight:700; text-decoration:none; color:var(--green);
  background:var(--lime-soft); border:1px solid #dfe7c6; border-radius:30px; padding:7px 15px; }
.legal .toc a:hover{ background:var(--lime); color:#1c3206; }
@media (max-width:600px){ .legal .dl{ grid-template-columns:1fr; gap:2px 0; } .legal .dl dd{ margin-bottom:8px; } }

/* ---------- reveal animation ---------- */
.reveal{ opacity:0; transform:translateY(26px); transition:opacity .7s ease, transform .7s ease; }
.reveal.in{ opacity:1; transform:none; }
@media (prefers-reduced-motion:reduce){ .reveal{ opacity:1; transform:none; transition:none; } html{ scroll-behavior:auto; } }

/* ---------- responsive ---------- */
@media (max-width:980px){
  .ft-top{ grid-template-columns:1fr 1fr; }
  .split{ grid-template-columns:1fr; gap:32px; }
  .grid.c4{ grid-template-columns:repeat(2,1fr); }
  .grid.c3{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width:760px){
  .hero::after{ width:270px; height:297px; right:-75px; top:-5px; opacity:.42; }
  .hero::before{ width:185px; height:204px; right:90px; top:150px; opacity:.42; }
  .nav-links{ position:fixed; inset:64px 0 auto 0; flex-direction:column; align-items:stretch;
    background:var(--cream); border-bottom:1px solid var(--line); padding:14px 24px 22px; gap:4px;
    transform:translateY(-120%); transition:transform .3s ease; box-shadow:0 18px 30px rgba(0,0,0,.10); }
  .nav-links.open{ transform:none; }
  .nav-links a{ padding:13px 12px; font-size:16px; }
  .nav-cta{ margin:8px 0 0; text-align:center; }
  .nav-toggle{ display:flex; }
  .stats{ grid-template-columns:1fr; }
  .checks{ grid-template-columns:1fr; }
  .grid.c2,.grid.c3,.grid.c4{ grid-template-columns:1fr; }
  .form-row{ grid-template-columns:1fr; }
  .ft-top{ grid-template-columns:1fr; }
  .ctaband{ padding:40px 28px; }
  section.block{ padding:60px 0; }
  .wrap{ padding:0 22px; }
}