/* ============================================================
   freiheitskonto.com — Stylesheet
   Elegant, ruhig, editorial. CMC-Hausstil (Gold/Navy/Ivory).
   ============================================================ */

:root{
  --gold:#A88B4E; --gold-dark:#86692F; --gold-light:#C6AC72;
  --navy:#0E1D33; --navy-soft:#1A2E4A;
  --ivory:#EFEEE8; --paper:#FFFFFF;
  --ink:#1B1D1F; --muted:#5C5F5C; --line:#D6D2C6;
  --wa:#25D366;
  --maxw:1180px; --rad:2px;
  --accent:#1F3A33;
  --serif:"Fraunces","Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,"SF Mono",Menlo,Consolas,monospace;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);
  line-height:1.7;font-size:17px;font-weight:400;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-dark);text-decoration:none;transition:color .15s}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.25;color:var(--navy);margin:0 0 .55em}
h1{font-size:2.45rem;letter-spacing:-.01em}
h2{font-size:1.7rem;margin-top:1.9em}
h3{font-size:1.28rem;margin-top:1.5em}
p{margin:0 0 1.1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:820px;margin:0 auto;padding:0 24px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(150%) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--serif);
  font-size:1.32rem;color:var(--navy);font-weight:600;letter-spacing:.01em}
.brand .logo{width:42px;height:42px;flex:0 0 42px}
.brand small{display:block;font-family:var(--sans);font-size:.62rem;letter-spacing:.18em;
  text-transform:uppercase;color:var(--gold-dark);font-weight:600;margin-top:2px}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav-links a{font-size:.93rem;color:var(--ink);font-weight:500}
.nav-links a:hover{color:var(--gold-dark)}
.nav-cta{background:var(--navy);color:#fff !important;padding:10px 18px;border-radius:var(--rad);
  font-size:.9rem;font-weight:600}
.nav-cta:hover{background:var(--gold-dark)}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px;width:44px;height:44px}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero .bg{position:absolute;inset:0;opacity:.5}
.hero .bg svg{width:100%;height:100%}
.hero-inner{position:relative;max-width:var(--maxw);margin:0 auto;padding:96px 24px 88px}
.hero .eyebrow{font-family:var(--sans);font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold-light);font-weight:600;margin-bottom:18px}
.hero h1{color:#fff;font-size:3rem;max-width:14ch;margin-bottom:.4em}
.hero .lede{font-size:1.22rem;color:#E9E4D6;max-width:46ch;margin-bottom:30px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:9px;padding:14px 26px;border-radius:var(--rad);
  font-weight:600;font-size:1rem;cursor:pointer;border:1px solid transparent;transition:.18s}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold-dark);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-wa{background:var(--wa);color:#fff}.btn-wa:hover{background:#1da851;color:#fff}

/* ---------- Trust bar ---------- */
.trust{background:var(--ivory);border-bottom:1px solid var(--line)}
.trust .wrap{display:flex;flex-wrap:wrap;gap:34px;justify-content:center;padding:22px 24px}
.trust .item{display:flex;align-items:center;gap:10px;font-size:.92rem;color:var(--muted)}
.trust .item b{color:var(--navy);font-family:var(--serif);font-size:1.25rem;margin-right:2px}
.trust .item svg{width:20px;height:20px;color:var(--gold)}

/* ---------- Sections ---------- */
.section{padding:78px 0}
.section.alt{background:var(--ivory)}
.section-head{text-align:center;max-width:620px;margin:0 auto 50px}
.section-head .kicker{font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;
  color:var(--gold-dark);font-weight:700;margin-bottom:12px}
.section-head h2{margin-top:0}
.section-head p{color:var(--muted)}

/* ---------- Cards / grid ---------- */
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--rad);
  padding:30px 26px;transition:.2s}
.card:hover{box-shadow:0 12px 34px rgba(28,42,58,.08);transform:translateY(-2px)}
.card .ico{width:46px;height:46px;color:var(--gold);margin-bottom:16px}
.card h3{margin-top:0;font-size:1.18rem}
.card p{color:var(--muted);font-size:.96rem;margin-bottom:0}

/* feature with number */
.feat{display:flex;gap:18px;align-items:flex-start}
.feat .num{font-family:var(--serif);font-size:2rem;color:var(--gold-light);line-height:1;flex:0 0 auto}
.feat h3{margin:0 0 6px;font-size:1.12rem}
.feat p{color:var(--muted);margin:0;font-size:.95rem}

/* ---------- Tables ---------- */
.tbl-wrap{overflow-x:auto;margin:1.6em 0;border:1px solid var(--line);border-radius:var(--rad)}
table{border-collapse:collapse;width:100%;font-size:.95rem;background:#fff}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-family:var(--sans);font-weight:600;font-size:.85rem;
  letter-spacing:.03em}
tbody tr:nth-child(even){background:var(--ivory)}
tbody tr:last-child td{border-bottom:0}
td:first-child{font-weight:600;color:var(--navy)}

/* ---------- Practice tip / callout ---------- */
.tip{background:#fbf8f0;border:1px solid var(--gold-light);border-left:4px solid var(--gold);
  border-radius:var(--rad);padding:20px 24px;margin:1.8em 0}
.tip .lbl{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--gold-dark);
  font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:8px}
.tip p:last-child{margin-bottom:0}
.note{background:var(--navy);color:#E9E4D6;border-radius:var(--rad);padding:22px 26px;margin:1.8em 0}
.note b{color:#fff}

/* ---------- FAQ ---------- */
.faq{margin:1.5em 0}
.faq details{border:1px solid var(--line);border-radius:var(--rad);margin-bottom:12px;background:#fff;overflow:hidden}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:600;color:var(--navy);
  font-family:var(--serif);font-size:1.06rem;list-style:none;display:flex;justify-content:space-between;
  align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:1.5rem;line-height:1;transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:6px 22px 20px;color:var(--muted)}
.faq .ans p:last-child{margin-bottom:0}

/* ---------- Article ---------- */
.article-hero{background:var(--navy);color:#fff;padding:70px 0 56px}
.article-hero .crumb{font-size:.82rem;color:var(--gold-light);margin-bottom:16px}
.article-hero .crumb a{color:var(--gold-light)}
.article-hero h1{color:#fff;max-width:22ch}
.article-hero .meta{color:#C9C3B4;font-size:.92rem;margin-top:8px}
.prose{padding:54px 0 30px}
.prose p,.prose ul,.prose ol{font-size:1.06rem}
.prose ul,.prose ol{margin:0 0 1.2em;padding-left:1.3em}
.prose li{margin-bottom:.5em}
.prose figure{margin:2em 0}
.prose figure svg,.prose figure img{border-radius:var(--rad);width:100%}
.prose figcaption{font-size:.85rem;color:var(--muted);text-align:center;margin-top:10px;font-style:italic}
.prose .lead{font-size:1.22rem;color:var(--navy);font-family:var(--serif);line-height:1.5}
.toc{background:var(--ivory);border:1px solid var(--line);border-radius:var(--rad);padding:22px 26px;margin:0 0 2em}
.toc strong{display:block;font-family:var(--serif);color:var(--navy);margin-bottom:10px}
.toc ul{list-style:none;margin:0;padding:0;columns:2;column-gap:30px}
.toc li{margin-bottom:7px;font-size:.93rem}
.keychip{display:inline-block;background:var(--ivory);border:1px solid var(--gold-light);
  color:var(--gold-dark);font-size:.78rem;font-weight:600;padding:4px 12px;border-radius:30px;margin-bottom:18px}

/* related */
.related{border-top:1px solid var(--line);padding:46px 0 10px}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rel-card{display:block;border:1px solid var(--line);border-radius:var(--rad);padding:20px 22px;background:#fff}
.rel-card:hover{box-shadow:0 10px 26px rgba(28,42,58,.08)}
.rel-card .k{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);font-weight:700}
.rel-card h3{font-family:var(--serif);color:var(--navy);margin:8px 0 0;font-size:1.05rem;line-height:1.3}

/* ---------- Article index list ---------- */
.idx-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.idx-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--rad);
  background:#fff;overflow:hidden;transition:.2s}
.idx-card:hover{box-shadow:0 14px 32px rgba(28,42,58,.1);transform:translateY(-3px)}
.idx-card .thumb{aspect-ratio:16/9;background:var(--navy)}
.idx-card .thumb svg{width:100%;height:100%}
.idx-card .body{padding:22px 24px;flex:1;display:flex;flex-direction:column}
.idx-card .k{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);font-weight:700;margin-bottom:8px}
.idx-card h3{margin:0 0 10px;font-size:1.15rem;line-height:1.3}
.idx-card p{color:var(--muted);font-size:.92rem;margin:0 0 16px;flex:1}
.idx-card .more{font-weight:600;font-size:.9rem;color:var(--gold-dark)}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-soft));color:#fff;text-align:center;padding:72px 24px}
.cta-band h2{color:#fff}
.cta-band p{color:#D9D3C4;max-width:52ch;margin:0 auto 26px}
.cta-band .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#C7C2B5;padding:60px 0 30px;font-size:.92rem}
.site-footer a{color:#C7C2B5}
.site-footer a:hover{color:var(--gold-light)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:34px;margin-bottom:40px}
.foot-grid h3{color:#fff;font-size:1rem;margin-bottom:14px}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin-bottom:9px}
.foot-brand{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.foot-brand .logo{width:38px;height:38px}
.foot-brand b{font-family:var(--serif);color:#fff;font-size:1.2rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.13);padding-top:22px;display:flex;
  justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.84rem;color:#9C988C}
.foot-disclaimer{font-size:.8rem;color:#8B8779;margin-top:18px;line-height:1.6}

/* ---------- WhatsApp floating ---------- */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:60;background:var(--wa);color:#fff;
  width:60px;height:60px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  box-shadow:0 8px 24px rgba(37,211,102,.45);transition:.2s}
.wa-float:hover{transform:scale(1.07);color:#fff}
.wa-float svg{width:32px;height:32px}
.wa-float .pulse{position:absolute;inset:0;border-radius:50%;background:var(--wa);
  animation:pulse 2.4s ease-out infinite;z-index:-1}
@keyframes pulse{0%{transform:scale(1);opacity:.6}100%{transform:scale(1.9);opacity:0}}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:s}
.step{text-align:center}
.step .circle{width:58px;height:58px;border:2px solid var(--gold);border-radius:50%;
  display:flex;align-items:center;justify-content:center;margin:0 auto 14px;
  font-family:var(--serif);font-size:1.5rem;color:var(--gold-dark);background:#fff}
.step h3{font-size:1rem;margin:0 0 6px}
.step p{font-size:.86rem;color:var(--muted);margin:0}

/* ---------- Contact / forms ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.info-row{display:flex;gap:14px;margin-bottom:20px;align-items:flex-start}
.info-row svg{width:22px;height:22px;color:var(--gold);flex:0 0 22px;margin-top:3px}
.info-row b{display:block;color:var(--navy);font-family:var(--serif)}
.info-row span{color:var(--muted);font-size:.95rem}
form label{display:block;font-weight:600;font-size:.88rem;color:var(--navy);margin:0 0 6px}
form input,form textarea,form select{width:100%;padding:12px 14px;border:1px solid var(--line);
  border-radius:var(--rad);font-family:var(--sans);font-size:1rem;margin-bottom:16px;background:#fff}
form input:focus,form textarea:focus{outline:2px solid var(--gold-light);border-color:var(--gold)}
.legal-pages h2{margin-top:1.6em}
.legal-pages h3{margin-top:1.3em}
.legal-pages p,.legal-pages li{color:var(--ink)}

/* ---------- Utility ---------- */
.center{text-align:center}
.mt0{margin-top:0}.mb0{margin-bottom:0}
.pill-list{list-style:none;padding:0;margin:1.2em 0}
.pill-list li{display:flex;gap:11px;align-items:flex-start;margin-bottom:11px;color:var(--ink)}
.pill-list li::before{content:"";flex:0 0 20px;height:20px;margin-top:2px;
  background:var(--gold);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M20 6 9 17l-5-5' fill='none' stroke='black' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M20 6 9 17l-5-5' fill='none' stroke='black' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat}

/* ---------- Responsive ---------- */
@media(max-width:960px){
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .related-grid,.idx-grid{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:repeat(2,1fr);gap:28px}
  .hero h1{font-size:2.4rem}
  .contact-grid{grid-template-columns:1fr;gap:32px}
}
@media(max-width:680px){
  body{font-size:16px}
  h1{font-size:1.95rem}.hero h1{font-size:2rem}h2{font-size:1.42rem}
  .nav-links{position:fixed;inset:74px 0 auto 0;background:#fff;flex-direction:column;
    align-items:stretch;gap:0;padding:8px 0;border-bottom:1px solid var(--line);
    box-shadow:0 16px 30px rgba(0,0,0,.08);display:none}
  .nav-links.open{display:flex}
  .nav-links li{padding:0 24px}
  .nav-links a{display:block;padding:13px 0;border-bottom:1px solid var(--line)}
  .nav-links li:last-child a{border-bottom:0}
  .nav-cta{text-align:center;margin:8px 0}
  .burger{display:block}
  .grid-3,.grid-4,.grid-2,.related-grid,.idx-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .toc ul{columns:1}
  .hero-inner{padding:64px 24px 60px}
  .section{padding:54px 0}
}

/* ============================================================
   Feinschliff – Refinements (additiv, überschreibt gezielt)
   ============================================================ */

/* Headings: Fraunces braucht etwas engere Laufweite für Eleganz */
h1,h2,h3,h4{letter-spacing:-.012em;}
.hero h1{letter-spacing:-.02em;}

/* Hero: zusätzliche Tiefe + besserer Textkontrast über der Skyline */
.hero .bg{opacity:.62;}
.hero::before{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(105deg,rgba(20,30,42,.92) 0%,rgba(20,30,42,.6) 46%,rgba(20,30,42,.15) 100%);}
.hero-inner{position:relative;z-index:2;}
.hero .lede{color:#EDE8DA;}

/* Premium-Gold-Button: weicher Verlauf + Schatten */
.btn-gold{background:linear-gradient(180deg,#B59658 0%,#A78B4C 60%,#9A7F43 100%);
  box-shadow:0 6px 18px rgba(140,115,57,.28);}
.btn-gold:hover{background:linear-gradient(180deg,#A78B4C 0%,#8C7339 100%);
  box-shadow:0 8px 22px rgba(140,115,57,.36);transform:translateY(-1px);}
.btn{transition:.18s ease;}
.btn-ghost{border-color:rgba(255,255,255,.4);}

/* Article-Lead: editoriale Gold-Linie links */
.prose .lead{border-left:3px solid var(--gold);padding-left:22px;margin-bottom:1.6em;}

/* Thumbnails: feine Tiefe + Goldkante oben */
.idx-card .thumb{position:relative;border-bottom:2px solid var(--gold);}
.idx-card .thumb::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(120% 90% at 50% 0%,rgba(255,255,255,.05),transparent 60%);}
.idx-card{box-shadow:0 1px 0 rgba(28,42,58,.04);}
.idx-card:hover{box-shadow:0 18px 40px rgba(28,42,58,.13);transform:translateY(-4px);}
.idx-card .more{margin-top:auto;padding-top:14px;color:var(--gold-dark);font-weight:600;font-size:.9rem;}

/* Tabellen: abgerundete Kopfzeile, ruhigere Linien */
.tbl-wrap{border:1px solid var(--line);border-radius:var(--rad);overflow:hidden;}
.tbl-wrap table{margin:0;}
thead th:first-child{border-top-left-radius:var(--rad);}
thead th:last-child{border-top-right-radius:var(--rad);}
tbody tr:nth-child(odd){background:rgba(247,244,236,.5);}

/* Trust-Leiste: dezente Trennlinien zwischen den Items */
.trust .item:not(:last-child){padding-right:34px;border-right:1px solid var(--line);}

/* Karten (Vorteile): Hover + Gold-Icon-Linie */
.card{transition:.2s ease;}
.card:hover{box-shadow:0 14px 32px rgba(28,42,58,.08);transform:translateY(-2px);}
.card h3{display:flex;align-items:center;gap:10px;}
.card h3 .ico{color:var(--gold);width:24px;height:24px;flex:0 0 24px;}

/* Section-Head Kicker: Gold-Strich darunter */
.section-head .kicker{position:relative;display:inline-block;padding-bottom:14px;}
.section-head .kicker::after{content:"";position:absolute;left:50%;bottom:0;transform:translateX(-50%);
  width:34px;height:2px;background:var(--gold);}

/* FAQ: weichere Karten, klareres Auf-/Zuklappen */
.faq{border:1px solid var(--line);border-radius:var(--rad);margin-bottom:12px;background:#fff;overflow:hidden;}
.faq summary{padding:18px 22px;cursor:pointer;font-family:var(--serif);font-size:1.05rem;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:"+";color:var(--gold-dark);font-size:1.4rem;line-height:1;transition:.2s;}
.faq[open] summary::after{transform:rotate(45deg);}
.faq .ans{padding:0 22px 18px;}
.faq .ans p{margin:0;color:var(--ink);}

/* Keychip: etwas mehr Atem */
.keychip{letter-spacing:.02em;}

/* Footer-Headings in Gold-Ton für Wärme */
.site-footer h3{color:var(--gold-light);}

/* ============================================================
   AEO / Leserführung – Auf-den-Punkt-Box, TOC, Glossar
   ============================================================ */

/* „Auf den Punkt" – Kurzantwort-Box (Reader + AI-Snippet) */
.answer-box{background:var(--ivory);border:1px solid var(--line);border-left:4px solid var(--gold);
  border-radius:var(--rad);padding:22px 26px;margin:0 0 28px;}
.answer-box .ab-label{display:inline-block;font-family:var(--sans);font-size:.72rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:10px;}
.answer-box .ab-answer{font-family:var(--serif);font-size:1.12rem;line-height:1.5;color:var(--navy);
  margin:0 0 14px;}
.answer-box .ab-points{list-style:none;margin:0;padding:0;display:grid;gap:8px;}
.answer-box .ab-points li{position:relative;padding-left:26px;color:var(--ink);font-size:.97rem;line-height:1.45;}
.answer-box .ab-points li::before{content:"";position:absolute;left:0;top:.36em;width:13px;height:13px;
  border-radius:50%;background:var(--gold);
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/13px no-repeat;
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/13px no-repeat;}

/* Inhaltsverzeichnis */
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--rad);padding:18px 22px;margin:0 0 30px;}
.toc strong{display:block;font-family:var(--serif);color:var(--navy);font-size:1rem;margin-bottom:10px;}
.toc ul{list-style:none;margin:0;padding:0;columns:2;column-gap:28px;}
.toc li{margin:0 0 7px;break-inside:avoid;}
.toc a{color:var(--gold-dark);text-decoration:none;font-size:.94rem;line-height:1.4;}
.toc a:hover{text-decoration:underline;}
.prose h2{scroll-margin-top:90px;}
@media (max-width:640px){.toc ul{columns:1;}}

/* Glossar */
.glossar{display:grid;gap:18px;margin-top:8px;}
.gl-term{border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--rad);
  padding:16px 20px;background:#fff;scroll-margin-top:90px;}
.gl-term h2{font-size:1.12rem;margin:0 0 6px;color:var(--navy);}
.gl-term p{margin:0;color:var(--ink);line-height:1.55;}

/* ============================================================
   Bestellformular / Beauftragung
   ============================================================ */
.order-form{margin:26px 0 14px;display:grid;gap:16px;}
.order-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.order-form .field{display:flex;flex-direction:column;gap:6px;}
.order-form label{font-family:var(--sans);font-size:.9rem;font-weight:600;color:var(--navy);}
.order-form input,.order-form textarea{font-family:var(--sans);font-size:1rem;color:var(--ink);
  background:#fff;border:1px solid var(--line);border-radius:var(--rad);padding:12px 14px;width:100%;}
.order-form input:focus,.order-form textarea:focus{outline:none;border-color:var(--gold);
  box-shadow:0 0 0 3px rgba(167,139,76,.16);}
.order-form input:user-invalid,.order-form textarea:user-invalid{border-color:#c0563b;box-shadow:0 0 0 3px rgba(192,86,59,.12);}
.order-form textarea{resize:vertical;}
.order-form .check{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;
  font-size:.95rem;color:var(--ink);line-height:1.5;display:flex;}
.order-form .check input{width:18px;height:18px;flex:0 0 18px;margin-top:2px;accent-color:var(--gold);}
.order-form .check a{color:var(--gold-dark);}
.order-form .btn{justify-self:start;border:none;cursor:pointer;font-size:1rem;}
.order-form .form-err{color:#c0563b;font-size:.92rem;margin:0;font-weight:600;}
.order-form .form-note{color:var(--muted);font-size:.88rem;margin:2px 0 0;line-height:1.5;}
.fallback{background:var(--ivory);border:1px solid var(--line);border-left:4px solid var(--gold);
  border-radius:var(--rad);padding:22px 26px;margin:8px 0 28px;}
.fallback h2{margin-top:0;}
.order-summary{width:100%;font-family:var(--sans);font-size:.9rem;color:var(--ink);
  border:1px solid var(--line);border-radius:var(--rad);padding:12px 14px;background:#fff;}
.steps-list{padding-left:22px;display:grid;gap:8px;}
.steps-list li{line-height:1.5;}
@media (max-width:640px){.order-form .row2{grid-template-columns:1fr;}}

/* =====================================================================
   REFRESH 2026 — Privatbank-/Register-Ästhetik (kühl, kantig, Gold als Linie)
   ===================================================================== */
body{background:var(--ivory);}
.section.alt{background:#E7E5DD;}
::selection{background:var(--gold);color:#fff;}

/* Kantige Ecken & Haarlinien statt weicher Karten */
.card,.idx-card,.rel-card,.note,.tip,.answer-box,.fallback,.order-form input,
.order-form textarea,.order-summary,.gl-term,.tbl-wrap{border-radius:var(--rad);}
.btn{border-radius:var(--rad);}

/* Eyebrow / Kicker als Register-Label mit Goldmarke */
.eyebrow,.kicker,.keychip{font-family:var(--sans);text-transform:uppercase;
  letter-spacing:.18em;font-size:.72rem;font-weight:600;color:var(--gold-dark);}
.section-head .kicker{display:inline-flex;align-items:center;gap:.6em;}
.section-head .kicker::before{content:"";width:26px;height:1px;background:var(--gold);display:inline-block;}

/* HERO: links-bündig, editorial, Goldlinie statt zwei Pillen mittig */
.hero{border-bottom:1px solid var(--line);}
.hero-inner{max-width:760px;margin:0;text-align:left;padding-block:96px 84px;}
.hero .eyebrow{color:var(--gold-light);}
.hero h1{font-weight:500;letter-spacing:-.01em;line-height:1.04;}
.hero .lede{max-width:600px;}
.hero .actions{justify-content:flex-start;}
.hero-inner::after{content:"";display:block;width:54px;height:2px;background:var(--gold);margin-top:30px;order:-1;margin-bottom:26px;}
.hero-inner{display:flex;flex-direction:column;align-items:flex-start;}

/* Buttons: kantig, ruhig; primär = Gold-Fläche, Bestellung im Fokus */
.btn{font-family:var(--sans);font-weight:600;letter-spacing:.01em;border:1px solid transparent;
  padding:14px 26px;transition:transform .12s ease,background .2s ease;}
.btn-gold{background:var(--gold);color:#15171A;border-color:var(--gold);}
.btn-gold:hover{background:var(--gold-dark);border-color:var(--gold-dark);color:#fff;}
.btn-ghost{background:transparent;border-color:currentColor;color:inherit;}
.hero .btn-ghost{color:var(--ivory);}

/* TRUST/Kennzahlen-Leiste: editoriale Ziffern (Mono), Haarlinien-Raster */
.trust{background:var(--navy);color:var(--ivory);border:none;}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0;}
.trust .item{flex-direction:column;align-items:flex-start;gap:6px;padding:30px 28px;
  border-left:1px solid rgba(255,255,255,.12);}
.trust .item:first-child{border-left:none;}
.trust .item svg{display:none;}
.trust .item b{font-family:var(--mono);font-size:1.9rem;font-weight:500;color:var(--gold-light);letter-spacing:-.02em;}
.trust .item span{display:flex;flex-direction:column;font-size:.86rem;color:rgba(255,255,255,.75);}

/* Kennzahlen-Block (Bank of Georgia Fakten) */
.statband{background:var(--navy);color:var(--ivory);}
.statband .wrap{padding-block:64px;}
.statband .sb-head{max-width:680px;margin-bottom:40px;}
.statband .sb-head .kicker{color:var(--gold-light);}
.statband .sb-head h2{color:#fff;margin:.3em 0 .2em;}
.statband .sb-head p{color:rgba(255,255,255,.72);}
.statgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.12);}
.statgrid .stat{background:var(--navy);padding:26px 24px;}
.statgrid .fig{font-family:var(--mono);font-size:2.05rem;font-weight:500;color:var(--gold-light);line-height:1;letter-spacing:-.02em;}
.statgrid .lbl{margin-top:10px;font-size:.92rem;color:#fff;font-weight:600;}
.statgrid .sub{margin-top:4px;font-size:.82rem;color:rgba(255,255,255,.62);line-height:1.45;}
.statband .src{margin-top:22px;font-size:.76rem;color:rgba(255,255,255,.5);}
.statband .src a{color:rgba(255,255,255,.7);}

/* Artikel-Karten: editoriale Listen-Karten, Gradient-Icon zurückgenommen */
.idx-card{border:1px solid var(--line);background:var(--paper);box-shadow:none;transition:border-color .2s,transform .12s;}
.idx-card:hover{border-color:var(--gold);transform:translateY(-2px);}
.idx-card .thumb{height:6px;background:var(--gold);}
.idx-card .thumb svg{display:none;}
.idx-card .body{padding:26px 24px 24px;}
.idx-card .kicker{color:var(--gold-dark);}
.idx-card h3{font-family:var(--serif);font-weight:500;margin:.5em 0 .4em;}
.idx-card .more{color:var(--gold-dark);font-weight:600;}

/* Kundenstimmen-Wand: 12 Zitate, große Gold-Anführung, Mono-Signatur */
.quotes{background:var(--ivory);}
.quotewall{column-count:3;column-gap:22px;}
.quotefig{break-inside:avoid;margin:0 0 22px;background:var(--paper);border:1px solid var(--line);
  border-top:2px solid var(--gold);padding:24px 22px 20px;position:relative;border-radius:var(--rad);}
.quotefig blockquote{margin:0;font-family:var(--serif);font-size:1.04rem;line-height:1.5;color:var(--ink);}
.quotefig blockquote::before{content:"\201C";font-family:var(--serif);color:var(--gold);
  font-size:2.6rem;line-height:0;position:absolute;top:26px;left:14px;opacity:.25;}
.quotefig figcaption{margin-top:16px;font-family:var(--mono);font-size:.76rem;letter-spacing:.04em;
  text-transform:uppercase;color:var(--muted);}
.quotefig figcaption b{display:block;color:var(--ink);font-weight:600;letter-spacing:.03em;}
.quotes .disc{margin-top:8px;font-size:.78rem;color:var(--muted);}

/* FAQ: Register-Stil mit Haarlinien */
.faqx{border-top:1px solid var(--line);}
.faqx details{border-bottom:1px solid var(--line);padding:4px 0;}
.faqx summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;
  align-items:baseline;padding:20px 2px;font-family:var(--serif);font-size:1.12rem;color:var(--ink);}
.faqx summary::-webkit-details-marker{display:none;}
.faqx summary::after{content:"+";font-family:var(--mono);color:var(--gold-dark);font-size:1.3rem;}
.faqx details[open] summary::after{content:"\2013";}
.faqx details[open] summary{color:var(--gold-dark);}
.faqx .a{padding:0 2px 22px;color:var(--muted);max-width:760px;line-height:1.6;}

/* Header/Footer ins Tinten-Schwarz */
.site-header{border-bottom:1px solid var(--line);}
.cta-band{background:var(--navy);}

@media (max-width:860px){
  .trust .wrap{grid-template-columns:repeat(2,1fr);}
  .trust .item:nth-child(3){border-left:none;}
  .statgrid{grid-template-columns:repeat(2,1fr);}
  .quotewall{column-count:2;}
}
@media (max-width:600px){
  .hero-inner{padding-block:64px 56px;}
  .trust .wrap{grid-template-columns:1fr 1fr;}
  .statgrid,.quotewall{grid-template-columns:1fr;column-count:1;}
}

@media (max-width:600px){
  .trust .item b{font-size:1.5rem;}
  .trust .item{padding:22px 18px;}
  .section-head .kicker{justify-content:center;}
}

/* =====================================================================
   RELAUNCH — Helle Privatbank-Ästhetik (Navy/Serif, viel Weißraum, dezent)
   Letzter Block: gewinnt bei gleicher Spezifität.
   ===================================================================== */
:root{
  --navy:#0E1B30; --navy-soft:#1A2C45;
  --paper:#FFFFFF; --paper-2:#F5F6F8;
  --ivory:#F5F6F8;
  --ink:#202832; --muted:#5C6776; --line:#E5E8ED;
  --gold:#9C7C3D; --gold-dark:#7C6230; --gold-light:#B08A3C;
}
body{background:var(--paper);color:var(--ink)}
h1,h2,h3,h4{color:var(--navy);letter-spacing:-.012em}

/* Header: hell, Hairline, schmale Messing-Signatur oben */
.site-header{background:rgba(255,255,255,.94);border-top:3px solid var(--gold);
  border-bottom:1px solid var(--line);box-shadow:none;backdrop-filter:saturate(120%) blur(6px)}
.brand,.brand b{color:var(--navy)}
.brand small{color:var(--gold-dark)}
.nav-cta{background:var(--navy);color:#fff;border:1px solid var(--navy);border-radius:var(--rad);
  padding:11px 20px;font-weight:600}
.nav-cta:hover{background:var(--navy-soft);border-color:var(--navy-soft);color:#fff}

/* Hero: hell & luftig, Navy-Serif, Skyline entfernt */
.hero{background:var(--paper);color:var(--ink);border-bottom:1px solid var(--line)}
.hero .bg{display:none}
.hero-inner{padding:104px 24px 96px}
.hero .eyebrow{color:var(--gold-dark)}
.hero h1{color:var(--navy);font-weight:600;letter-spacing:-.02em}
.hero .lede{color:var(--muted)}
.hero-inner::after{background:var(--gold)}
.hero .btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.hero .btn-ghost:hover{background:var(--paper-2);color:var(--navy)}

/* Buttons: Navy primär, ruhige Hover */
.btn{border-radius:var(--rad)}
.btn-gold{background:var(--navy);color:#fff;border:1px solid var(--navy)}
.btn-gold:hover{background:var(--navy-soft);border-color:var(--navy-soft);color:#fff}
.btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--line)}
.btn-ghost:hover{background:var(--paper-2);color:var(--navy)}

/* Sektionen: mehr Luft, sehr helle Alternativfläche */
.section{padding:92px 0}
.section.alt{background:var(--paper-2)}
.section-head .kicker{color:var(--gold-dark)}
.section-head .kicker::before{background:var(--gold)}
.section-head h2{color:var(--navy)}
.section-head p{color:var(--muted)}

/* Vertrauensleiste: hell, Serifen-Ziffern in Navy (kein Mono) */
.trust{background:var(--paper-2);color:var(--ink);border-top:1px solid var(--line);
  border-bottom:1px solid var(--line)}
.trust .item b{font-family:var(--serif);font-weight:600;font-size:1.9rem;color:var(--navy);letter-spacing:-.01em}
.trust .item span{color:var(--muted)}
.trust .item svg{color:var(--gold)}

/* Kennzahlen-Band: helle Kartengruppe, Hairline-Fugen, Navy-Serif-Ziffern */
.statband{background:var(--paper);color:var(--ink);border-top:1px solid var(--line)}
.statband .sb-head .kicker{color:var(--gold-dark)}
.statband .sb-head h2{color:var(--navy)}
.statband .sb-head p{color:var(--muted)}
.statgrid{background:var(--line)}
.statgrid .stat{background:var(--paper)}
.statgrid .fig{font-family:var(--serif);font-weight:600;color:var(--navy);letter-spacing:-.01em}
.statgrid .lbl{color:var(--navy)}
.statgrid .sub{color:var(--muted)}
.statband .src{color:var(--muted)}
.statband .src a{color:var(--gold-dark)}

/* Feature-/Zahlen-Akzente */
.feat .num{color:var(--gold-dark)}
.feat p{color:var(--muted)}

/* Artikel-Hero: hell */
.article-hero{background:var(--paper-2);color:var(--ink);border-bottom:1px solid var(--line)}
.article-hero .crumb,.article-hero .crumb a{color:var(--gold-dark)}
.article-hero h1{color:var(--navy)}
.article-hero .meta{color:var(--muted)}

/* Karten: weiß, Hairline, ruhiger Navy-Hover */
.idx-card{background:var(--paper);border:1px solid var(--line);box-shadow:none}
.idx-card:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:0 8px 28px rgba(22,39,61,.07)}
.idx-card .thumb{height:3px;background:var(--gold)}
.idx-card h3{color:var(--navy)}
.idx-card .k{color:var(--gold-dark)}
.idx-card .more{color:var(--navy)}

/* Fließtext */
.prose .lead{color:var(--navy)}
.prose a{color:var(--navy);text-decoration:underline;text-underline-offset:2px;text-decoration-color:var(--gold-light)}
.prose a:hover{text-decoration-color:var(--navy)}

/* Keychip/Pills: hell, Navy-Text, dünne Linie */
.keychip{background:var(--paper-2);border:1px solid var(--line);color:var(--navy)}

/* FAQ: Navy-Überschrift auf hell */
.faqx summary,.faq summary{color:var(--navy)}

/* Footer: tiefes Navy als ruhiger Anker */
.site-footer{background:var(--navy);color:#AEB7C4}
.site-footer a{color:#AEB7C4}
.site-footer a:hover{color:var(--gold-light)}
.foot-disclaimer{color:#8893A2}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);color:#8893A2}

/* Dunklen Hero-Verlauf entfernen (heller Hero) */
.hero::before{display:none}

/* Buttons auf dunklen Flächen (CTA-Band) – Kontrast sicherstellen */
.cta-band .btn-gold{background:var(--gold);color:#0E1B30;border:1px solid var(--gold)}
.cta-band .btn-gold:hover{background:var(--gold-light);border-color:var(--gold-light);color:#0E1B30}
.cta-band .btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.5)}
.cta-band .btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}

/* ---- Artikel-CTA (im Textfluss) ---- */
.article-cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:26px;
  margin:2.8em 0;padding:30px 34px;background:var(--paper-2);
  border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--rad)}
.article-cta .ac-text{flex:1 1 320px}
.article-cta h3{margin:0 0 .35em;color:var(--navy)}
.article-cta p{margin:0;color:var(--muted);font-size:.98rem;line-height:1.6}
.article-cta .ac-actions{display:flex;gap:12px;flex-wrap:wrap}
.article-cta .btn-gold{background:var(--navy);color:#fff;border:1px solid var(--navy)}
.article-cta .btn-gold:hover{background:var(--navy-soft);border-color:var(--navy-soft);color:#fff}
.article-cta .btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--navy)}
.article-cta .btn-ghost:hover{background:#fff;color:var(--navy)}
@media(max-width:640px){.article-cta{flex-direction:column;align-items:flex-start;padding:24px}}

/* ---- Praxistipp: kühl & dezent ---- */
.tip{background:var(--paper-2);border:1px solid var(--line);border-left:3px solid var(--gold);color:var(--ink)}
.tip .lbl{color:var(--gold-dark)}

/* ---- Tabellen: klar, Navy-Kopf, kühle Zebra ---- */
.tbl-wrap{border:1px solid var(--line)}
table{background:#fff}
thead th{background:var(--navy);color:#fff}
tbody td{border-bottom:1px solid var(--line)}
tbody tr:nth-child(even){background:var(--paper-2)}
tbody tr:nth-child(odd){background:#fff}

/* Buttons im Fließtext nicht unterstreichen */
.prose .btn,.article-cta .btn{text-decoration:none}

/* Sprachumschalter (DE/EN) in der Navigation */
.lang-switch{display:flex;align-items:center;gap:7px;font-size:.82rem;font-weight:600;letter-spacing:.03em}
.lang-switch a{color:var(--muted);text-decoration:none}
.lang-switch a:hover{color:var(--navy)}
.lang-switch span[aria-current]{color:var(--navy)}
@media(min-width:861px){.lang-switch{margin-left:4px;padding-left:14px;border-left:1px solid var(--line)}}

/* Accessibility: skip-to-content link (visible only on keyboard focus) */
.skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:#0E1B30;color:#fff;
  padding:10px 16px;border-radius:0 0 10px 0;font-weight:600;text-decoration:none;
  box-shadow:0 6px 18px rgba(0,0,0,.18)}
.skip-link:focus{left:0}
main:focus{outline:none}

/* ---- Print stylesheet: clean, readable article/page printouts ---- */
@media print {
  *{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  body{background:#fff;color:#111;font-size:11.5pt;line-height:1.5}
  .skip-link,.site-header,.burger,.nav-links,.wa-float,.cta-band,.site-footer,
  .related,.lang-switch,.actions,.article-cta,.bg,.hero .bg{display:none !important}
  main,.wrap,.wrap.narrow{max-width:100% !important;width:auto !important;margin:0 !important;padding:0 !important}
  a{color:#111;text-decoration:underline}
  .prose a[href^="http"]:after{content:" (" attr(href) ")";font-size:9pt;color:#555;word-break:break-all}
  h1,h2,h3,h4{color:#111;page-break-after:avoid;break-after:avoid}
  p,li{orphans:3;widows:3}
  .tbl-wrap,table,.tip,.note,.answer-box,.card,figure,.statgrid .stat{page-break-inside:avoid;break-inside:avoid}
  table{border-collapse:collapse;width:100%}
  th,td{border:1px solid #999;padding:6px 8px}
  .answer-box,.tip,.note{border:1px solid #999;background:#f6f6f6 !important;color:#111 !important;padding:10px 12px}
  .keychip,.kicker,.eyebrow{color:#555 !important}
  .article-hero{padding:0 0 12px !important;border-bottom:1px solid #ccc;margin-bottom:14px}
  @page{margin:1.6cm}
}

/* ---- Testimonials (echte CMC-Mandantenstimmen) ---- */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:8px}
.testi-card{background:var(--paper,#fff);border:1px solid var(--line);border-radius:14px;
  padding:24px 22px 20px;display:flex;flex-direction:column;box-shadow:0 2px 14px rgba(20,30,50,.05)}
.testi-stars{color:var(--gold);letter-spacing:3px;font-size:14px;margin-bottom:12px}
.testi-quote{font-size:15px;line-height:1.62;color:var(--ink);flex:1}
.testi-name{margin-top:16px;font-weight:600;color:var(--navy);font-size:13.5px}
.testi-src{margin-top:18px;font-size:12.5px;color:var(--muted,#5C6776);text-align:center}
@media(max-width:840px){.testi-grid{grid-template-columns:1fr}}

.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}