/*
  SuedwestRing 2026 - Haupt-Stylesheet
  Quelle: klickdummy-V11.html (Stand 28.07.2026), toter Code entfernt,
  ergaenzt um Admin-Bar-Fix, Mobile Navigation und Unterseiten-Styles.
*/
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    :root{
        --firmen-1:#58595B;
        --firmen-2:#939598;
        --firmen-3:#D1D3D4;
        --privat-1:#1E6A4A;
        --privat-2:#499C63;
        --privat-3:#CADCC6;
        --sport-1:#19396E;
        --sport-2:#005AAA;
        --sport-3:#C7E0F5;
        --black:#1A1A1A;
        --gray-900:#222;
        --gray-700:#3A3A3A;
        --gray-500:#757575;
        --gray-300:#B1B2B3;
        --gray-200:#DCDCDC;
        --gray-100:#F1F3F6;
        --gray-50:#F8F9FB;
        --white:#fff;
        --brand:var(--sport-2);
        --brand-dark:var(--sport-1);
        /* Dunkle Flaechen (edler Look) */
        --bg-dark:#0E2347;
        --bg-dark-2:#16315F;
        --surface-dark:rgba(255,255,255,.05);
        --surface-dark-border:rgba(255,255,255,.10);
        --ink-on-dark:#fff;
        --ink-on-dark-soft:#C3CEDF;
        --ink-on-dark-mute:#8A99B3;
        /* Akzent: Gold (finale Entscheidung, V10/V11 abgenommen) */
        --accent:#C9A86A;
        --accent-dark:#B08D4F;
        --accent-ink:#1A1A1A;
        --font-h:'Montserrat',-apple-system,sans-serif;
        --font-b:'Inter',-apple-system,sans-serif;
        --max:1760px;
        --pad:clamp(20px,4.5vw,88px);
        --radius:18px;
        --t:.35s cubic-bezier(.4,0,.2,1);
    }
    html{scroll-behavior:smooth;scroll-padding-top:96px;-webkit-text-size-adjust:100%}
    body{font-family:var(--font-b);font-size:16px;line-height:1.65;color:var(--gray-900);background:var(--white);-webkit-font-smoothing:antialiased;overflow-x:hidden}
    img{max-width:100%;height:auto;display:block}
    a{color:inherit;text-decoration:none;transition:color var(--t)}
    button{font:inherit;cursor:pointer;border:none;background:none;color:inherit}
    .container{max-width:var(--max);margin:0 auto;padding:0 var(--pad);width:100%}

    .topbar{background:var(--sport-1);color:#cfd8e3;font-size:13px;padding:8px 0}
    .topbar .container{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
    .topbar a{color:#cfd8e3}
    .topbar a:hover{color:var(--white)}
    .topbar-left{display:flex;gap:20px;align-items:center}
    .topbar-left span{display:inline-flex;align-items:center;gap:6px}
    .topbar-right{display:flex;gap:18px;align-items:center}
    .topbar-right a{display:inline-flex;align-items:center;gap:6px}
    .topbar svg{width:14px;height:14px;flex-shrink:0}

    .header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.94);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid rgba(25,57,110,.08);transition:box-shadow var(--t)}
    .header.scrolled{box-shadow:0 4px 24px -16px rgba(0,31,63,.25)}
    .header-inner{display:flex;align-items:center;justify-content:space-between;height:128px;gap:32px;transition:height var(--t)}
    .header.scrolled .header-inner{height:88px}
    .logo{display:flex;align-items:center;flex-shrink:0}
    .logo img{height:102px;width:auto;transition:height var(--t)}
    .header.scrolled .logo img{height:68px}
    .nav{display:flex;align-items:center;gap:6px}
    .nav a.nav-link{font-family:var(--font-h);font-weight:600;font-size:14.5px;color:var(--gray-900);padding:10px 14px;border-radius:10px;position:relative;white-space:nowrap}
    .nav a.nav-link:hover{color:var(--brand);background:var(--gray-100)}
    .nav a.nav-link.active{color:var(--brand)}
    .nav a.nav-link.active::after{content:"";position:absolute;left:16px;right:16px;bottom:4px;height:2px;background:var(--accent);border-radius:2px}
    .header-actions{display:flex;align-items:center;gap:10px}
    .icon-btn{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--gray-100);color:var(--brand);transition:all var(--t)}
    .icon-btn:hover{background:var(--brand);color:var(--white);transform:translateY(-2px)}
    .icon-btn svg{width:18px;height:18px}
    .btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-h);font-weight:700;font-size:14.5px;padding:13px 22px;border-radius:999px;transition:all var(--t);white-space:nowrap;border:1.5px solid transparent}
    .btn-primary{background:var(--brand);color:var(--white)}
    .btn-primary:hover{background:var(--brand-dark);transform:translateY(-2px);box-shadow:0 12px 28px -12px rgba(25,57,110,.55)}
    .btn-accent{background:var(--accent);color:var(--accent-ink)}
    .btn-accent:hover{background:var(--accent-dark);transform:translateY(-2px);box-shadow:0 14px 30px -12px rgba(0,0,0,.45)}
    .btn-ghost{background:transparent;color:var(--brand);border-color:var(--gray-200)}
    .btn-ghost:hover{border-color:var(--brand);background:var(--brand);color:var(--white)}
    .btn-light{background:var(--white);color:var(--brand-dark)}
    .btn-light:hover{background:var(--gray-100)}
    .btn svg{width:16px;height:16px}
    .btn-karriere{padding:11px 18px}
    .burger{display:none}

    /* Such-Overlay (Dummy, nicht funktional) */
    .search-overlay{position:fixed;top:0;left:0;right:0;z-index:120;background:rgba(255,255,255,.98);backdrop-filter:blur(14px);box-shadow:0 10px 40px -20px rgba(0,31,63,.4);transform:translateY(-100%);transition:transform var(--t);padding:0}
    .search-overlay.open{transform:translateY(0)}
    .search-form{display:flex;align-items:center;gap:16px;padding:26px 0}
    .search-form>svg{width:24px;height:24px;color:var(--brand);flex-shrink:0}
    .search-form input{flex:1;border:none;background:none;font-family:var(--font-b);font-size:clamp(18px,2.4vw,26px);color:var(--gray-900);outline:none}
    .search-form input::placeholder{color:var(--gray-300)}
    .search-close{width:44px;height:44px;border-radius:50%;background:var(--gray-100);color:var(--gray-700);display:grid;place-items:center;flex-shrink:0;transition:all var(--t)}
    .search-close:hover{background:var(--accent);color:var(--accent-ink)}
    .search-close svg{width:20px;height:20px}

    /* Hero mit Video-Hintergrund-Loop */
    .hero{position:relative;background:var(--bg-dark);overflow:hidden;padding:0}
    .hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 50%;z-index:0}
    .hero-overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(8,20,42,.78) 0%,rgba(8,20,42,.55) 38%,rgba(8,20,42,.72) 78%,#081830 100%)}
    .hero-overlay::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(8,20,42,.82) 0%,rgba(8,20,42,.5) 45%,rgba(8,20,42,.2) 72%,rgba(8,20,42,.05) 100%)}
    .hero .container{position:relative;z-index:2}
    .hero-inner{display:flex;flex-direction:column;justify-content:center;min-height:min(90vh,880px);padding:140px 0 56px}
    .hero-text{max-width:760px}
    .hero-eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-h);font-weight:700;font-size:12px;letter-spacing:2.5px;text-transform:uppercase;color:var(--ink-on-dark);padding:9px 18px;border-radius:999px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.16);margin-bottom:28px;backdrop-filter:blur(6px)}
    .hero-eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--accent)}
    .hero h1{font-family:var(--font-h);font-weight:700;font-size:clamp(48px,7.5vw,104px);line-height:.95;letter-spacing:-2px;color:var(--ink-on-dark);margin-bottom:26px;text-shadow:0 2px 30px rgba(0,0,0,.35)}
    .hero h1 .accent{display:block;color:#fff;position:relative}
    .hero h1 .accent::after{content:".";color:var(--accent)}
    .hero-lead{font-size:20px;line-height:1.55;color:var(--ink-on-dark-soft);max-width:560px;margin-bottom:38px;font-weight:400}
    .hero-lead strong{font-weight:600;color:var(--ink-on-dark)}
    .hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:52px}
    .hero-trust{display:flex;gap:48px;flex-wrap:wrap;padding-top:34px;border-top:1px solid rgba(255,255,255,.16)}
    .trust-num{font-family:var(--font-h);font-weight:800;font-size:38px;line-height:1;color:var(--ink-on-dark);letter-spacing:-1px}
    .trust-num span{color:var(--accent);margin-left:.12em}
    .trust-label{font-size:13px;color:var(--ink-on-dark-mute);margin-top:6px;font-weight:500}

    /* heller Ghost-Button fuer dunklen Hero */
    .btn-ghost-light{color:var(--ink-on-dark);border-color:rgba(255,255,255,.35)}
    .btn-ghost-light:hover{border-color:var(--ink-on-dark);background:var(--ink-on-dark);color:var(--bg-dark)}

    section{padding:clamp(92px,10vw,152px) 0;position:relative}
    .section-head{margin-bottom:60px;max-width:760px}
    .eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-h);font-weight:700;font-size:12px;letter-spacing:2.5px;text-transform:uppercase;color:var(--brand);margin-bottom:18px}
    .eyebrow::before{content:"";width:32px;height:2px;background:var(--accent)}
    .section-head h2{font-family:var(--font-h);font-weight:700;font-size:clamp(32px,4.5vw,56px);line-height:1.05;letter-spacing:-1.2px;color:var(--black);margin-bottom:20px}
    .section-head h2 span{color:var(--brand)}
    .section-head p{font-size:18px;line-height:1.6;color:var(--gray-500);max-width:620px}
    .section-head.center{margin-left:auto;margin-right:auto;text-align:center}
    .section-head.center .eyebrow{justify-content:center}
    .section-head.center p{margin-left:auto;margin-right:auto}

    .segments{background:var(--gray-50)}
    .segment-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
    .seg{background:var(--white);border-radius:var(--radius);padding:50px 32px;position:relative;overflow:hidden;transition:all var(--t);border:1px solid transparent}
    .seg:hover{transform:translateY(-6px);box-shadow:0 30px 60px -24px rgba(0,31,63,.18);border-color:var(--gray-200)}
    .seg::before{content:"";position:absolute;top:0;left:0;right:0;height:4px}
    .seg.firmen::before{background:var(--firmen-1)}
    .seg.privat::before{background:var(--privat-2)}
    .seg.sport::before{background:var(--sport-2)}
    .seg-icon{width:64px;height:64px;border-radius:18px;display:grid;place-items:center;margin-bottom:24px}
    .seg.firmen .seg-icon{background:var(--firmen-3);color:var(--firmen-1)}
    .seg.privat .seg-icon{background:var(--privat-3);color:var(--privat-1)}
    .seg.sport .seg-icon{background:var(--sport-3);color:var(--sport-1)}
    .seg-icon svg{width:30px;height:30px}
    .seg h3{font-family:var(--font-h);font-weight:700;font-size:26px;letter-spacing:-.4px;margin-bottom:6px;color:var(--black)}
    .seg-sub{font-size:14px;color:var(--gray-500);margin-bottom:20px;font-weight:500}
    .seg p{font-size:15px;color:var(--gray-700);margin-bottom:22px;line-height:1.6}
    .seg ul{list-style:none;margin-bottom:28px}
    .seg li{display:flex;align-items:flex-start;gap:10px;font-size:14.5px;color:var(--gray-700);padding:7px 0;border-bottom:1px solid var(--gray-100)}
    .seg li:last-child{border-bottom:none}
    .seg.firmen li::before{background:var(--firmen-1)}
    .seg.privat li::before{background:var(--privat-2)}
    .seg.sport li::before{background:var(--sport-2)}
    .seg li::before{content:"";flex-shrink:0;width:18px;height:18px;border-radius:50%;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");background-size:12px;background-position:center;background-repeat:no-repeat;margin-top:3px}
    .seg-link{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-h);font-weight:700;font-size:14px;color:var(--accent);padding-top:4px}
    .seg-link svg{width:16px;height:16px;transition:transform var(--t)}
    .seg:hover .seg-link svg{transform:translateX(4px)}
    .seg:hover .seg-link{color:var(--accent-dark)}

    .schaden{background:var(--sport-1);color:var(--white);position:relative;overflow:hidden}
    .schaden::before{content:"";position:absolute;top:-30%;right:-10%;width:680px;height:680px;background:radial-gradient(circle,rgba(122,162,224,.14) 0%,transparent 62%);border-radius:50%;pointer-events:none}
    .schaden-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}
    .schaden h2{font-family:var(--font-h);font-weight:700;font-size:clamp(32px,4.5vw,56px);line-height:1.05;letter-spacing:-1.2px;margin-bottom:22px}
    .schaden h2 span{color:var(--accent)}
    .schaden p{font-size:18px;color:#cfd8e3;max-width:540px;margin-bottom:34px}
    .schaden-actions{display:flex;gap:14px;flex-wrap:wrap}
    .schaden-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);backdrop-filter:blur(10px);border-radius:var(--radius);padding:34px 30px}
    .schaden-card h4{font-family:var(--font-h);font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:2px;color:var(--accent);margin-bottom:18px}
    .schaden-row{display:flex;align-items:center;gap:14px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08)}
    .schaden-row:last-child{border-bottom:none}
    .schaden-row svg{width:20px;height:20px;color:var(--accent);flex-shrink:0}
    .schaden-row strong{display:block;font-size:16px;color:var(--white);font-weight:600}
    .schaden-row span{font-size:13px;color:#9ba9bb}

    /* Warum SWR: dunkle Heritage-Sektion mit Geschaeftsfuehrungs-Foto */
    .why{background:var(--bg-dark);color:var(--ink-on-dark);position:relative;overflow:hidden}
    .why::before{content:"";position:absolute;top:-20%;left:-10%;width:680px;height:680px;background:radial-gradient(circle,rgba(122,162,224,.11) 0%,transparent 62%);border-radius:50%;pointer-events:none}
    .why-top{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(40px,5vw,72px);align-items:center;margin-bottom:clamp(48px,6vw,80px);position:relative;z-index:1}
    .why-photo{position:relative}
    .why-photo img{width:100%;border-radius:24px;box-shadow:0 40px 80px -32px rgba(0,0,0,.7)}
    .why-photo::after{content:"";position:absolute;right:-20px;bottom:-20px;width:130px;height:130px;border-radius:24px;background:var(--accent);opacity:.85;z-index:-1}
    .why-top .section-head{margin-bottom:0;max-width:none}
    .why .eyebrow{color:var(--accent)}
    .why-top .section-head h2{color:var(--ink-on-dark)}
    .why-top .section-head h2 span{color:var(--accent)}
    .why-top .section-head p{color:var(--ink-on-dark-soft)}
    .why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;z-index:1}
    .why-item{padding:34px 28px;border-radius:var(--radius);background:var(--surface-dark);border:1px solid var(--surface-dark-border);transition:all var(--t)}
    .why-item:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);transform:translateY(-4px)}
    .why-num{font-family:var(--font-h);font-weight:900;font-size:52px;line-height:1;color:var(--ink-on-dark);letter-spacing:-2px;margin-bottom:20px;display:block}
    .why-num span{color:var(--accent);font-size:34px;margin-left:.18em;letter-spacing:0}
    .why-item h4{font-family:var(--font-h);font-weight:700;font-size:17px;color:var(--ink-on-dark);margin-bottom:8px}
    .why-item p{font-size:14px;color:var(--ink-on-dark-mute);line-height:1.55}

    .partners{padding:64px 0;background:var(--white);border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}
    .partners-inner{display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap}
    .partners-label{font-family:var(--font-h);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:2px;color:var(--gray-500)}
    .partners-list{display:flex;gap:48px;align-items:center;flex-wrap:wrap;font-family:var(--font-h);font-weight:700;font-size:18px;color:var(--gray-300)}
    .partners-list span{transition:color var(--t);cursor:default}
    .partners-list a{color:inherit;text-decoration:none;cursor:pointer;transition:color var(--t)}
    .partners-list span:hover,.partners-list a:hover{color:var(--brand)}

    /* Google-Bewertungen */
    .reviews{background:var(--gray-50)}
    /* Heller Kasten um das Trustindex-Widget: dessen Schrift ist schwarz, die
       Startseite dunkelblau. Gilt auch im theme-dark, das Sektionen sonst
       transparent stellt (Katja 04.09.2026). */
    .reviews-box,body.theme-dark .reviews-box{background:var(--gray-50);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:clamp(20px,3vw,40px);box-shadow:0 30px 60px -40px rgba(0,0,0,.55)}
    .reviews-head{display:flex;align-items:flex-end;justify-content:space-between;gap:32px;flex-wrap:wrap;margin-bottom:48px}
    .reviews-score{display:flex;align-items:center;gap:20px}
    .reviews-score-num{font-family:var(--font-h);font-weight:900;font-size:64px;line-height:1;color:var(--black);letter-spacing:-2px}
    .reviews-stars{display:flex;gap:3px;margin-bottom:6px}
    .reviews-stars svg{width:22px;height:22px;color:#FBBC05}
    .reviews-score-meta{font-size:14px;color:var(--gray-500)}
    .reviews-score-meta strong{display:flex;align-items:center;gap:7px;font-family:var(--font-h);font-weight:700;font-size:15px;color:var(--gray-900);margin-bottom:3px}
    .g-logo{font-family:var(--font-h);font-weight:700;font-size:15px;letter-spacing:-.5px}
    .g-logo .gb{color:#4285F4}.g-logo .gr{color:#EA4335}.g-logo .gy{color:#FBBC05}.g-logo .gg{color:#34A853}
    .reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
    .review-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);padding:30px 28px;transition:all var(--t)}
    .review-card:hover{transform:translateY(-4px);box-shadow:0 24px 48px -26px rgba(0,31,63,.2)}
    .review-card .reviews-stars{margin-bottom:16px}
    .review-text{font-size:15px;line-height:1.6;color:var(--gray-700);margin-bottom:20px}
    .review-author{display:flex;align-items:center;gap:12px}
    .review-avatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--sport-2),var(--sport-1));color:#fff;display:grid;place-items:center;font-family:var(--font-h);font-weight:700;font-size:16px;flex-shrink:0}
    .review-author strong{font-family:var(--font-h);font-weight:600;font-size:14.5px;color:var(--black);display:block}
    .review-author span{font-size:12.5px;color:var(--gray-500)}
    .reviews-note{margin-top:22px;font-size:12.5px;color:var(--gray-300)}

    .cta{background:linear-gradient(135deg,var(--sport-2) 0%,var(--sport-1) 60%,#0F2549 100%);color:var(--white);position:relative;overflow:hidden}
    .cta::before{content:"";position:absolute;top:50%;left:50%;width:1200px;height:1200px;background:radial-gradient(circle,rgba(122,162,224,.12) 0%,transparent 50%);transform:translate(-50%,-50%);pointer-events:none}
    .cta-inner{position:relative;z-index:1;text-align:center;max-width:780px;margin:0 auto}
    .cta h2{font-family:var(--font-h);font-weight:700;font-size:clamp(32px,4.5vw,56px);line-height:1.05;letter-spacing:-1.2px;margin-bottom:22px}
    .cta h2 span{color:var(--accent)}
    .cta p{font-size:19px;color:#cfd8e3;margin-bottom:36px}
    .cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
    .cta .eyebrow{color:var(--accent);justify-content:center;display:inline-flex}
    .cta .eyebrow::before{background:var(--accent)}

    .footer{background:var(--black);color:#a8b0bb;padding:80px 0 30px}
    .footer-grid{display:grid;grid-template-columns:1fr 1.65fr;gap:56px;margin-bottom:60px}
    .footer-info .footer-contact{margin-top:24px}
    .footer-info .footer-social{margin-top:24px}

    .footer-direct h5{margin-bottom:22px}
    .fdirect-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
    .fdirect-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:14px;padding:20px 16px;position:relative;overflow:hidden;transition:all var(--t)}
    .fdirect-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px}
    .fdirect-card.firmen::before{background:var(--firmen-2)}
    .fdirect-card.sport::before{background:var(--sport-2)}
    .fdirect-card.privat::before{background:var(--privat-2)}
    .fdirect-card:hover{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.16);transform:translateY(-3px)}
    .fdirect-seg{font-family:var(--font-h);font-weight:700;font-size:14px;color:var(--white);margin-bottom:14px;letter-spacing:-.2px}
    .fdirect-line{display:flex;align-items:center;gap:9px;font-size:13px;color:#a8b0bb;padding:5px 0;line-height:1.35;white-space:nowrap}
    .fdirect-line svg{width:15px;height:15px;flex-shrink:0;color:var(--accent)}
    .fdirect-line:hover{color:var(--white)}
    .footer-logo{display:inline-flex;margin-bottom:40px}
    .footer .logo img{height:111px}
    .footer-grid>div{align-self:start}
    .footer-about{font-size:14.5px;line-height:1.6;color:#a8b0bb;max-width:340px;margin-bottom:24px}
    .footer-social{display:flex;gap:10px}
    .footer-social a{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.06);display:grid;place-items:center;color:#a8b0bb;transition:all var(--t)}
    .footer-social a:hover{background:var(--accent);color:var(--white);transform:translateY(-3px)}
    .footer-social svg{width:18px;height:18px}
    .footer h5{font-family:var(--font-h);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:2px;color:var(--white);margin-bottom:22px}
    .footer ul{list-style:none}
    .footer li{margin-bottom:12px}
    .footer li a{font-size:14.5px;color:#a8b0bb}
    .footer li a:hover{color:var(--white)}
    .footer-contact{font-size:14.5px;line-height:1.7}
    .footer-contact strong{color:var(--white);font-weight:600;display:block;margin-bottom:4px}
    .footer-contact a{color:#a8b0bb;display:block;margin-bottom:6px}
    .footer-contact a:hover{color:var(--accent)}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:30px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px;font-size:13px;color:#7a8290}
    .footer-bottom-links{display:flex;gap:24px;flex-wrap:wrap}
    .footer-bottom a:hover{color:var(--white)}

    /* Bestand pruefen, optimieren, uebernehmen */
    .bestand{background:var(--white)}
    .bestand-head{max-width:760px;margin-bottom:54px}
    .bestand-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:48px}
    .bestand-step{position:relative;padding:34px 30px 32px;border-radius:var(--radius);background:var(--gray-50);border:1px solid transparent;transition:all var(--t)}
    .bestand-step:hover{background:var(--white);border-color:var(--gray-200);box-shadow:0 22px 48px -24px rgba(0,31,63,.2);transform:translateY(-4px)}
    .bestand-step-num{font-family:var(--font-h);font-weight:800;font-size:14px;color:var(--accent);letter-spacing:1px;margin-bottom:18px;display:flex;align-items:center;gap:10px}
    .bestand-step-num::before{content:"";width:38px;height:38px;border-radius:11px;background:var(--sport-3);color:var(--sport-1);display:grid;place-items:center;flex-shrink:0}
    .bestand-step:nth-child(1) .bestand-step-num::before{content:"1"}
    .bestand-step:nth-child(2) .bestand-step-num::before{content:"2"}
    .bestand-step:nth-child(3) .bestand-step-num::before{content:"3"}
    .bestand-step h4{font-family:var(--font-h);font-weight:700;font-size:21px;color:var(--black);margin-bottom:10px;letter-spacing:-.3px}
    .bestand-step p{font-size:14.5px;color:var(--gray-700);line-height:1.6}
    .bestand-promise{background:linear-gradient(135deg,var(--sport-2) 0%,var(--sport-1) 100%);color:var(--white);border-radius:var(--radius);padding:48px clamp(28px,5vw,60px);display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;position:relative;overflow:hidden}
    .bestand-promise::before{content:"";position:absolute;top:-40%;right:-5%;width:420px;height:420px;background:radial-gradient(circle,rgba(255,255,255,.12) 0%,transparent 60%);border-radius:50%;pointer-events:none}
    .bestand-promise-text{position:relative;z-index:1;max-width:640px}
    .bestand-promise-text h3{font-family:var(--font-h);font-weight:700;font-size:clamp(24px,3vw,34px);line-height:1.12;letter-spacing:-.6px;margin-bottom:12px}
    .bestand-promise-text p{font-size:17px;color:rgba(255,255,255,.9)}
    .bestand-promise .btn{position:relative;z-index:1;flex-shrink:0}

    /* Vermoegen-Block */
    .vermoegen{background:var(--gray-50)}
    .vermoegen-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(40px,5vw,72px);align-items:center}
    .vermoegen-visual{position:relative}
    .vermoegen-visual img{width:100%;border-radius:24px;box-shadow:0 30px 60px -28px rgba(0,31,63,.3)}
    .vermoegen-visual::after{content:"";position:absolute;left:-22px;bottom:-22px;width:120px;height:120px;border-radius:24px;background:var(--sport-3);z-index:-1}
    .vermoegen h2{font-family:var(--font-h);font-weight:700;font-size:clamp(30px,4vw,50px);line-height:1.06;letter-spacing:-1px;color:var(--black);margin-bottom:20px}
    .vermoegen h2 span{color:var(--brand)}
    .vermoegen-lead{font-size:18px;color:var(--gray-700);line-height:1.6;margin-bottom:30px;max-width:520px}
    .vermoegen-list{display:grid;grid-template-columns:1fr 1fr;gap:16px 28px;margin-bottom:34px}
    .vermoegen-list div{display:flex;align-items:flex-start;gap:11px;font-size:15px;color:var(--gray-900);font-weight:500}
    .vermoegen-list svg{width:22px;height:22px;color:var(--brand);flex-shrink:0;margin-top:1px}
    .vermoegen-note{font-size:13px;color:var(--gray-500);margin-top:18px;max-width:520px}

    @media (max-width:1080px){
        .bestand-steps{grid-template-columns:1fr}
        .bestand-promise{flex-direction:column;align-items:flex-start;text-align:left}
        .vermoegen-grid{grid-template-columns:1fr;gap:40px}
        .vermoegen-visual{order:-1;max-width:480px}
        .vermoegen-list{grid-template-columns:1fr 1fr}
        .hero-text{padding:20px 0 40px}
        .why-grid{grid-template-columns:repeat(2,1fr)}
        .schaden-grid{grid-template-columns:1fr;gap:40px}
        .footer-grid{grid-template-columns:1fr;gap:44px}
    }
    @media (max-width:780px){
        .topbar-left span:not(:first-child){display:none}
        .nav{display:none}
        .header-actions .btn:not(.btn-accent){display:none}
        .header-actions .btn-accent{padding:12px 16px}
        .burger{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--gray-100);color:var(--brand)}
        .burger svg{width:22px;height:22px}
        .segment-grid{grid-template-columns:1fr}
        .fdirect-grid{grid-template-columns:1fr}
        .hero h1{font-size:48px}
        .hero-trust{gap:24px}
        .trust-num{font-size:26px}
        .footer-grid{grid-template-columns:1fr;gap:40px}
        .footer-bottom{flex-direction:column;text-align:center}
        .logo img{height:52px}
    }
    @media (max-width:560px){
        .header-actions{gap:6px}
        .header-actions .btn-accent{font-size:0;padding:12px 14px;gap:0}
        .header-actions .btn-accent svg{width:18px;height:18px}
    }

    /* Header-Logo immer Weiss-Variante (Header ist hell); Footer nutzt fest das Dunkel-Logo */
    .logo-dark{display:none}

    /* === V7: durchgehend dunkler Look (blau bis dunkelblau), per body.theme-dark === */
    body.theme-dark{background:#081830;background:linear-gradient(177deg,#081830 0%,#102A52 27%,#0A1E3F 52%,#123157 76%,#081830 100%)}
    /* Header bleibt hell (weisser Hintergrund) auch im dunklen Theme */
    /* Sektions-Hintergruende abwechselnd navy */
    body.theme-dark .partners{background:transparent;border-top-color:rgba(255,255,255,.07);border-bottom-color:rgba(255,255,255,.07)}
    body.theme-dark .segments{background:transparent}
    body.theme-dark .bestand{background:transparent}
    body.theme-dark .vermoegen{background:transparent}
    body.theme-dark .reviews{background:transparent}
    body.theme-dark .why{background:transparent}
    body.theme-dark .schaden{background:transparent}
    body.theme-dark .cta{background:linear-gradient(160deg,#0E274E 0%,#0A1D3C 55%,#081830 100%)}
    body.theme-dark .footer{background:#081830}
    /* Generische Heads/Eyebrows hell */
    body.theme-dark .section-head h2{color:var(--ink-on-dark)}
    body.theme-dark .section-head h2 span{color:var(--accent)}
    body.theme-dark .section-head p{color:var(--ink-on-dark-soft)}
    body.theme-dark .eyebrow{color:var(--accent)}
    /* Partner */
    body.theme-dark .partners-label{color:var(--ink-on-dark-mute)}
    body.theme-dark .partners-list{color:rgba(255,255,255,.42)}
    body.theme-dark .partners-list span:hover,body.theme-dark .partners-list a:hover{color:#fff}
    /* Segmente: Karten als dunkle Surfaces */
    body.theme-dark .seg{background:var(--surface-dark);border:1px solid var(--surface-dark-border)}
    body.theme-dark .seg:hover{border-color:rgba(255,255,255,.25);box-shadow:0 30px 60px -24px rgba(0,0,0,.6)}
    body.theme-dark .seg h3{color:var(--ink-on-dark)}
    body.theme-dark .seg-sub{color:var(--ink-on-dark-mute)}
    body.theme-dark .seg p{color:var(--ink-on-dark-soft)}
    body.theme-dark .seg li{color:var(--ink-on-dark-soft);border-bottom-color:rgba(255,255,255,.08)}
    body.theme-dark .seg-link{color:var(--accent)}
    body.theme-dark .seg.firmen .seg-icon{background:rgba(255,255,255,.12);color:#fff}
    body.theme-dark .seg.privat .seg-icon{background:rgba(73,156,99,.22);color:#a7dcb5}
    body.theme-dark .seg.sport .seg-icon{background:rgba(0,120,220,.24);color:#9fcef2}
    /* Bestand */
    body.theme-dark .bestand-step{background:var(--surface-dark);border:1px solid var(--surface-dark-border)}
    body.theme-dark .bestand-step:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2)}
    body.theme-dark .bestand-step h4{color:var(--ink-on-dark)}
    body.theme-dark .bestand-step p{color:var(--ink-on-dark-soft)}
    body.theme-dark .bestand-step-num::before{background:rgba(255,255,255,.12);color:#fff}
    body.theme-dark .bestand-promise{background:linear-gradient(135deg,var(--sport-2) 0%,var(--sport-1) 100%)}
    /* Vermoegen */
    body.theme-dark .vermoegen h2{color:var(--ink-on-dark)}
    body.theme-dark .vermoegen h2 span{color:var(--accent)}
    body.theme-dark .vermoegen-lead{color:var(--ink-on-dark-soft)}
    body.theme-dark .vermoegen-list div{color:var(--ink-on-dark)}
    body.theme-dark .vermoegen-list svg{color:var(--accent)}
    body.theme-dark .vermoegen-note{color:var(--ink-on-dark-mute)}
    body.theme-dark .vermoegen-visual::after{background:var(--accent)}
    /* Reviews */
    body.theme-dark .reviews-score-num{color:var(--ink-on-dark)}
    body.theme-dark .reviews-score-meta{color:var(--ink-on-dark-soft)}
    body.theme-dark .reviews-score-meta strong{color:var(--ink-on-dark)}
    body.theme-dark .review-card{background:var(--surface-dark);border:1px solid var(--surface-dark-border)}
    body.theme-dark .review-card:hover{box-shadow:0 24px 48px -26px rgba(0,0,0,.55)}
    body.theme-dark .review-text{color:var(--ink-on-dark-soft)}
    body.theme-dark .review-author strong{color:var(--ink-on-dark)}
    body.theme-dark .review-author span{color:var(--ink-on-dark-mute)}
    body.theme-dark .reviews-note{color:var(--ink-on-dark-mute)}
    /* Such-Overlay dunkel */
    body.theme-dark .search-overlay{background:rgba(10,26,56,.97)}
    body.theme-dark .search-form>svg{color:var(--accent)}
    body.theme-dark .search-form input{color:#fff}
    body.theme-dark .search-form input::placeholder{color:var(--ink-on-dark-mute)}
    body.theme-dark .search-close{background:rgba(255,255,255,.10);color:#fff}

    /* ============================================================
       WP-Ergaenzungen (nicht im Klickdummy V11)
       ============================================================ */

    /* Eingeloggt: Sticky-Header unter die WP-Admin-Bar setzen */
    .admin-bar .header{top:32px}
    @media (max-width:782px){.admin-bar .header{top:46px}}

    /* --- Mobile Navigation (Neubau; der Burger im Dummy war ohne Funktion) --- */
    .mobile-nav{position:fixed;top:0;left:0;right:0;z-index:115;background:rgba(255,255,255,.98);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);box-shadow:0 10px 40px -20px rgba(0,31,63,.4);transform:translateY(-102%);visibility:hidden;transition:transform var(--t),visibility 0s var(--t);max-height:100vh;max-height:100dvh;overflow-y:auto;padding:18px 0 28px}
    .mobile-nav.open{transform:translateY(0);visibility:visible;transition:transform var(--t)}
    .mobile-nav-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px}
    .mobile-nav-title{font-family:var(--font-h);font-weight:700;font-size:12px;letter-spacing:2.5px;text-transform:uppercase;color:var(--gray-500)}
    .mobile-nav-close{width:44px;height:44px;border-radius:50%;background:var(--gray-100);color:var(--gray-700);display:grid;place-items:center;transition:all var(--t)}
    .mobile-nav-close:hover{background:var(--accent);color:var(--accent-ink)}
    .mobile-nav-close svg{width:20px;height:20px}
    .mobile-nav-links{display:flex;flex-direction:column}
    .mobile-nav-links a{font-family:var(--font-h);font-weight:600;font-size:21px;color:var(--gray-900);padding:15px 2px;border-bottom:1px solid var(--gray-100)}
    .mobile-nav-links a:hover{color:var(--brand)}
    .mobile-nav-actions{display:flex;flex-direction:column;gap:10px;margin-top:22px}
    .mobile-nav-actions .btn{justify-content:center}
    body.nav-open{overflow:hidden}
    @media (min-width:781px){.mobile-nav{display:none}}

    /* --- Unterseiten (heller Look, page.php); Startseite nutzt body.theme-dark --- */
    .page-main{background:var(--white);padding:clamp(72px,9vw,120px) 0}
    .page-title{font-family:var(--font-h);font-weight:700;font-size:clamp(34px,4.5vw,54px);line-height:1.05;letter-spacing:-1.2px;color:var(--black);margin-bottom:34px}
    .prose{max-width:820px;font-size:16.5px;line-height:1.7;color:var(--gray-700)}
    .prose h2{font-family:var(--font-h);font-weight:700;font-size:clamp(24px,3vw,32px);letter-spacing:-.5px;color:var(--black);margin:44px 0 14px}
    .prose h3{font-family:var(--font-h);font-weight:700;font-size:20px;color:var(--black);margin:32px 0 10px}
    .prose h4{font-family:var(--font-h);font-weight:700;font-size:17px;color:var(--black);margin:26px 0 8px}
    .prose p{margin-bottom:16px}
    .prose ul,.prose ol{margin:0 0 16px 22px}
    .prose li{margin-bottom:8px}
    .prose a{color:var(--brand);text-decoration:underline;text-underline-offset:3px}
    .prose a:hover{color:var(--brand-dark)}
    .prose strong{font-weight:600;color:var(--gray-900)}
    .prose table{border-collapse:collapse;margin-bottom:16px;width:100%}
    .prose th,.prose td{border:1px solid var(--gray-200);padding:10px 14px;text-align:left;font-size:15px}
    .prose th{background:var(--gray-50);font-weight:600;color:var(--gray-900)}


    /* ============================================================
       V12: Voll-Ausbau (Mega-Menue, Unterseiten, Bausteine)
       ============================================================ */

    .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}
    .skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:var(--brand);color:#fff;padding:12px 20px;border-radius:0 0 10px 0;font-family:var(--font-h);font-weight:700}
    .skip-link:focus{left:0}
    :focus-visible{outline:2px solid var(--accent);outline-offset:3px}

    /* --- Navigation mit Mega-Menue --- */
    .nav-item{position:relative;display:flex;align-items:center}
    .mega-toggle{display:grid;place-items:center;width:22px;height:22px;margin-left:-8px;color:var(--gray-500);border-radius:6px}
    .mega-toggle svg{width:15px;height:15px;transition:transform var(--t)}
    .nav-item.open .mega-toggle svg{transform:rotate(180deg)}
    .nav-item.open .nav-link{color:var(--brand)}
    .mega{position:fixed;left:0;right:0;z-index:99;background:rgba(255,255,255,.985);backdrop-filter:saturate(180%) blur(16px);-webkit-backdrop-filter:saturate(180%) blur(16px);border-top:1px solid rgba(25,57,110,.08);box-shadow:0 26px 50px -30px rgba(0,31,63,.5);opacity:0;visibility:hidden;transform:translateY(-10px);transition:opacity var(--t),transform var(--t),visibility 0s var(--t)}
    .nav-item.open .mega{opacity:1;visibility:visible;transform:translateY(0);transition:opacity var(--t),transform var(--t)}
    .mega-inner{display:grid;grid-template-columns:1fr 320px;gap:48px;padding-top:40px;padding-bottom:44px;align-items:start}
    .mega-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:32px}
    .mega-group h6{font-family:var(--font-h);font-weight:700;font-size:11.5px;letter-spacing:2px;text-transform:uppercase;color:var(--gray-500);margin-bottom:14px}
    .mega-group ul{list-style:none}
    .mega-group li{margin-bottom:2px}
    .mega-group a{display:inline-flex;align-items:center;gap:7px;font-size:14.5px;line-height:1.35;color:var(--gray-900);padding:6px 0;font-weight:500}
    .mega-group a:hover{color:var(--brand)}
    .mega-group a svg{width:12px;height:12px;color:var(--gray-300);flex-shrink:0}
    .mega-group a:hover svg{color:var(--brand)}
    .mega-info{background:var(--gray-50);border-radius:var(--radius);padding:28px 26px;border-top:3px solid var(--brand)}
    .mega-info.seg-firmen{border-top-color:var(--firmen-1)}
    .mega-info.seg-privat{border-top-color:var(--privat-2)}
    .mega-info.seg-sport{border-top-color:var(--sport-2)}
    .mega-info p{font-size:14.5px;line-height:1.6;color:var(--gray-700);margin-bottom:20px}
    .mega-info .btn{width:100%;justify-content:center;margin-bottom:16px}
    .mega-tel{display:flex;align-items:center;gap:9px;font-family:var(--font-h);font-weight:700;font-size:16px;color:var(--brand-dark)}
    .mega-tel svg{width:16px;height:16px;color:var(--accent)}
    .mega-mail{display:block;font-size:13.5px;color:var(--gray-500);margin-top:6px}
    .mega-mail:hover{color:var(--brand)}
    .lang-switch{font-family:var(--font-h);font-weight:700;letter-spacing:.5px}

    /* --- Mobile Nav: Akkordeon-Gruppen --- */
    .mnav-group{border-bottom:1px solid var(--gray-100)}
    .mnav-group summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;font-family:var(--font-h);font-weight:600;font-size:21px;color:var(--gray-900);padding:15px 2px}
    .mnav-group summary::-webkit-details-marker{display:none}
    .mnav-group summary::after{content:"";width:11px;height:11px;border-right:2px solid var(--gray-300);border-bottom:2px solid var(--gray-300);transform:rotate(45deg);margin-right:6px;transition:transform var(--t)}
    .mnav-group[open] summary{color:var(--brand)}
    .mnav-group[open] summary::after{transform:rotate(-135deg);border-color:var(--brand)}
    .mnav-sub{display:flex;flex-direction:column;padding:0 0 14px 2px}
    .mnav-sub a{font-family:var(--font-b);font-weight:500;font-size:15.5px;color:var(--gray-700);padding:9px 0;border-bottom:none}
    .mnav-sub a:hover{color:var(--brand)}
    .mnav-overview{font-family:var(--font-h) !important;font-weight:700 !important;color:var(--brand) !important}

    /* --- Unterseiten-Hero --- */
    body:not(.theme-dark){--seg-akzent:var(--brand)}
    body.seg-firmen{--seg-akzent:var(--firmen-1);--seg-kachel:#F4F5F6;--seg-kachel-rand:#E2E4E6}
    body.seg-privat{--seg-akzent:var(--privat-1);--seg-kachel:#F2F7F1;--seg-kachel-rand:#DCE9D9}
    body.seg-sport{--seg-akzent:var(--sport-2);--seg-kachel:#F1F6FC;--seg-kachel-rand:#D8E6F4}
    .page-hero{position:relative;background:var(--gray-50)}
    /* Feste Hoehe, nicht max-height: sonst kann das Bild sein height:100% nicht
       aufloesen, object-fit/object-position bleiben wirkungslos und overflow
       schneidet stumpf den unteren Bildrand ab. */
    .page-hero-media{position:relative;overflow:hidden;height:clamp(240px,34vw,460px)}
    .page-hero-media img{width:100%;height:100%;object-fit:cover;object-position:50% 50%}
    .page-hero-text{padding:clamp(38px,5vw,64px) var(--pad) clamp(30px,4vw,48px)}
    .page-hero .eyebrow{color:var(--seg-akzent)}
    .page-hero .eyebrow::before{background:var(--accent)}
    .page-hero h1{font-family:var(--font-h);font-weight:700;font-size:clamp(32px,4.4vw,54px);line-height:1.05;letter-spacing:-1.2px;color:var(--black);max-width:16ch}
    .page-hero h1 span{color:var(--seg-akzent)}
    .page-lead{font-size:clamp(17px,1.6vw,20px);line-height:1.6;color:var(--gray-500);max-width:64ch;margin-top:18px}
    .page-hero-plain{background:linear-gradient(135deg,var(--gray-50) 0%,var(--gray-100) 100%);border-bottom:3px solid var(--seg-akzent)}

    /* --- Breadcrumb --- */
    .breadcrumb{padding:16px 0 0;font-size:13px;color:var(--gray-500)}
    .breadcrumb .container{display:flex;gap:9px;flex-wrap:wrap;align-items:center}
    .breadcrumb a:hover{color:var(--brand)}
    .breadcrumb span[aria-hidden]{color:var(--gray-300)}
    .breadcrumb-current{color:var(--gray-900);font-weight:500}

    /* --- Unterseiten-Inhalt --- */
    .page-main{background:var(--white);padding:clamp(48px,6vw,84px) 0 clamp(64px,8vw,110px)}
    /* Unterseiten-Bloecke sind <section>, duerfen aber nicht das grosse
       Innenabstands-Raster der Startseiten-Sektionen erben */
    .page-section{padding:0;margin-bottom:clamp(48px,6vw,80px)}
    .page-section:last-child{margin-bottom:0}
    .block-head{font-family:var(--font-h);font-weight:700;font-size:clamp(24px,3vw,34px);line-height:1.12;letter-spacing:-.6px;color:var(--black);margin-bottom:14px}
    .block-note{font-size:16px;color:var(--gray-500);max-width:64ch;margin-bottom:26px}
    .page-cols{display:grid;grid-template-columns:1.35fr 1fr;gap:clamp(32px,4vw,64px);align-items:start}
    .page-aside{background:var(--gray-50);border-radius:var(--radius);padding:28px 26px;border-top:3px solid var(--seg-akzent)}
    .page-aside h3{font-family:var(--font-h);font-weight:700;font-size:19px;margin-bottom:12px;color:var(--black)}
    .page-aside p{font-size:14.5px;color:var(--gray-700);line-height:1.6;margin-bottom:16px}
    .page-aside .btn{width:100%;justify-content:center}
    .checklist{list-style:none;margin:0 0 24px}
    .checklist li{position:relative;padding:8px 0 8px 30px;font-size:16px;color:var(--gray-700);border-bottom:1px solid var(--gray-100)}
    .checklist li:last-child{border-bottom:none}
    .checklist li::before{content:"";position:absolute;left:0;top:13px;width:18px;height:18px;border-radius:50%;background-color:var(--seg-akzent);background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");background-size:12px;background-position:center;background-repeat:no-repeat}

    /* --- Kachel-Grid --- */
    .link-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(268px,1fr));gap:16px}
    .link-card{display:flex;flex-direction:column;gap:6px;position:relative;background:var(--seg-kachel,var(--gray-50));border:1px solid var(--seg-kachel-rand,var(--gray-200));border-left:3px solid var(--seg-akzent,var(--gray-300));border-radius:14px;padding:22px 46px 22px 22px;transition:all var(--t)}
    .link-card:hover{background:var(--white);border-color:var(--seg-akzent);box-shadow:0 22px 40px -26px rgba(0,31,63,.3);transform:translateY(-3px)}
    .link-card-title{font-family:var(--font-h);font-weight:700;font-size:16px;color:var(--black);line-height:1.3}
    .link-card-desc{font-size:14px;color:var(--gray-500);line-height:1.5}
    .link-card-arrow{position:absolute;right:18px;top:22px;color:var(--gray-300);transition:all var(--t)}
    .link-card-arrow svg{width:17px;height:17px}
    .link-card:hover .link-card-arrow{color:var(--seg-akzent);transform:translateX(3px)}
    .link-card.is-ext .link-card-title::after{content:"Zum Angebot";display:block;font-family:var(--font-b);font-weight:500;font-size:12px;letter-spacing:.4px;color:var(--accent-dark);margin-top:4px}
    body.lang-en .link-card.is-ext .link-card-title::after{content:"Request a quote"}
    /* Firmen: im ersten Schritt gibt es kein Angebot, also auch kein Versprechen (Lisa 04.09.2026) */
    body.seg-firmen .link-card.is-ext .link-card-title::after{content:none}

    /* --- Downloads --- */
    .download-list{list-style:none;border-top:1px solid var(--gray-200)}
    .download-list li{border-bottom:1px solid var(--gray-200)}
    .download-list a{display:flex;align-items:center;gap:14px;padding:15px 4px;font-size:15.5px;color:var(--gray-900);transition:all var(--t)}
    .download-list a:hover{color:var(--brand);padding-left:10px}
    .dl-icon{width:22px;height:22px;color:var(--seg-akzent);flex-shrink:0}
    .dl-type{margin-left:auto;font-family:var(--font-h);font-weight:700;font-size:11px;letter-spacing:1.2px;color:var(--gray-300)}

    /* --- Abteilungs-Karten --- */
    .dept-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(258px,1fr));gap:16px}
    .dept-card{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:14px;padding:24px 22px;position:relative;overflow:hidden}
    .dept-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--seg-akzent)}
    .dept-name{font-family:var(--font-h);font-weight:700;font-size:16px;color:var(--black);margin-bottom:14px}
    .dept-line{display:flex;align-items:center;gap:10px;font-size:14.5px;color:var(--gray-700);padding:5px 0}
    .dept-line svg{width:16px;height:16px;color:var(--accent);flex-shrink:0}
    .dept-line:hover{color:var(--brand)}

    /* --- Click-to-Load fuer externe Einbettungen --- */
    .click-frame{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius);overflow:hidden}
    .click-frame-inner{padding:clamp(32px,5vw,64px) clamp(24px,4vw,48px);text-align:center;max-width:620px;margin:0 auto}
    .click-frame-inner h3{font-family:var(--font-h);font-weight:700;font-size:22px;color:var(--black);margin-bottom:12px}
    .click-frame-inner p{font-size:15px;color:var(--gray-500);line-height:1.6;margin-bottom:24px}
    .click-frame-alt{display:block;margin-top:16px;font-size:13.5px;color:var(--gray-500);text-decoration:underline;text-underline-offset:3px}
    .click-frame-alt:hover{color:var(--brand)}
    .click-frame.loaded{padding:0;background:none;border-color:transparent}
    .click-frame iframe{width:100%;min-height:78vh;border:0;display:block}

    /* --- Video-Einbettung (selbst gehostet) --- */
    .video-block{margin-bottom:32px}
    .video-block video{width:100%;border-radius:var(--radius);background:var(--black);display:block}
    .video-block h3{font-family:var(--font-h);font-weight:700;font-size:19px;color:var(--black);margin-bottom:12px}

    /* --- CTA-Band am Seitenende --- */
    .cta-band{background:linear-gradient(135deg,var(--sport-2) 0%,var(--sport-1) 60%,#0F2549 100%);color:var(--white);border-radius:var(--radius);padding:clamp(32px,4vw,52px) clamp(26px,4vw,52px);display:flex;margin-top:clamp(48px,6vw,80px)}
    .cta-band-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;width:100%}
    .cta-band h2{font-family:var(--font-h);font-weight:700;font-size:clamp(23px,2.6vw,32px);line-height:1.15;letter-spacing:-.5px;margin-bottom:8px}
    .cta-band p{font-size:16px;color:#cfd8e3;max-width:56ch}
    .cta-band-actions{display:flex;gap:12px;flex-wrap:wrap;flex-shrink:0}
    .cta-band .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4)}
    .cta-band .btn-ghost:hover{background:#fff;color:var(--brand-dark);border-color:#fff}

    /* --- Footer-Servicespalte --- */
    .footer-service{margin-top:30px}
    .footer-service h5{margin-bottom:14px}
    .footer-service ul{list-style:none}
    .footer-service li{margin-bottom:8px}
    .footer-service a{font-size:14px;color:#a8b0bb}
    .footer-service a:hover{color:var(--white)}

    @media (max-width:1080px){
        .mega-inner{grid-template-columns:1fr;gap:28px}
        .page-cols{grid-template-columns:1fr;gap:34px}
        .cta-band-inner{flex-direction:column;align-items:flex-start}
    }
    @media (max-width:780px){
        .mega{display:none}
        .link-grid{grid-template-columns:1fr}
        .page-hero-media{height:230px}
        .click-frame iframe{min-height:70vh}
    }

    /* --- Vermoegensaufbau (/vermoegensaufbau/, Bausteine aus der Landingpage Geldanlage) --- */
    .va .eyebrow{margin-bottom:14px}
    .va-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:34px}
    .va-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .va-facts div{font-size:14px;color:var(--gray-500);line-height:1.4}
    .va-facts strong{display:block;font-family:var(--font-h);font-weight:800;font-size:clamp(26px,3vw,36px);line-height:1;color:var(--black);letter-spacing:-.8px;margin-bottom:6px}
    .va-facts strong span{color:var(--accent);margin-left:.1em}
    .va-facts-4{grid-template-columns:repeat(4,1fr);margin-top:28px}
    .va-steps-mini{list-style:none;margin:0;counter-reset:va}
    .va-steps-mini li{counter-increment:va;position:relative;padding:10px 0 10px 44px;font-size:14px;color:var(--gray-500);line-height:1.5;border-bottom:1px solid var(--gray-100)}
    .va-steps-mini li:last-child{border-bottom:none}
    .va-steps-mini li::before{content:counter(va);position:absolute;left:0;top:10px;width:30px;height:30px;border-radius:9px;background:var(--sport-3);color:var(--sport-1);font-family:var(--font-h);font-weight:800;font-size:13px;display:grid;place-items:center}
    .va-steps-mini strong{display:block;font-family:var(--font-h);font-weight:700;font-size:15px;color:var(--black);margin-bottom:2px}
    .va-note{font-size:13.5px;color:var(--gray-500);line-height:1.6;max-width:72ch;margin-top:22px}
    .va-aside-eyebrow,.va-block-role{display:block;font-family:var(--font-h);font-weight:700;font-size:11.5px;letter-spacing:2px;text-transform:uppercase;color:var(--gray-500);margin-bottom:8px}

    /* Rechner */
    .va-sim{background:linear-gradient(135deg,var(--bg-dark) 0%,var(--bg-dark-2) 55%,var(--sport-1) 100%);color:var(--ink-on-dark);border-radius:var(--radius);padding:clamp(28px,4vw,52px) clamp(22px,4vw,52px)}
    .va-sim .eyebrow{color:var(--accent)}
    .va-sim .block-head{color:var(--ink-on-dark)}
    .va-sim .block-note{color:var(--ink-on-dark-soft)}
    .va-sim-grid{display:grid;grid-template-columns:minmax(280px,380px) 1fr;gap:clamp(24px,3vw,44px);align-items:start}
    .va-sim-controls{background:var(--surface-dark);border:1px solid var(--surface-dark-border);border-radius:16px;padding:22px 20px;display:grid;gap:24px}
    .va-ctrl label{display:block;font-family:var(--font-h);font-weight:700;font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--ink-on-dark-mute);margin-bottom:8px}
    .va-ctrl-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
    .va-ctrl-row label{margin:0}
    .va-ctrl-hint{font-size:13.5px;color:var(--ink-on-dark-soft);line-height:1.5;margin-bottom:12px}
    .va-amount{font-family:var(--font-h);font-weight:800;font-size:30px;letter-spacing:-.8px;color:#fff;margin-bottom:8px}
    .va-amount small{font-size:16px;font-weight:600;color:var(--accent)}
    .va-amount-sm{font-size:22px;margin-bottom:0}
    .va-ctrl input[type=range]{width:100%;height:6px;border-radius:999px;background:rgba(255,255,255,.18);-webkit-appearance:none;appearance:none;outline:none;margin:6px 0 8px}
    .va-ctrl input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--accent);border:3px solid var(--bg-dark);box-shadow:0 0 0 2px var(--accent);cursor:pointer}
    .va-ctrl input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--accent);border:3px solid var(--bg-dark);box-shadow:0 0 0 2px var(--accent);cursor:pointer}
    .va-ticks{display:flex;justify-content:space-between;font-size:11.5px;color:var(--ink-on-dark-mute)}
    .va-quick{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:12px}
    .va-quick button,.va-crisis button{font-family:var(--font-b);font-size:13px;font-weight:600;color:var(--ink-on-dark-soft);background:rgba(255,255,255,.06);border:1px solid var(--surface-dark-border);border-radius:10px;padding:9px 6px;cursor:pointer;transition:all var(--t)}
    .va-quick button:hover,.va-crisis button:hover{border-color:rgba(255,255,255,.35);color:#fff}
    .va-quick button.active,.va-crisis button.active{background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
    .va-crisis{display:grid;gap:8px}
    .va-crisis button{display:flex;align-items:center;gap:12px;text-align:left;padding:10px 12px}
    .va-crisis button svg{width:22px;height:22px;flex-shrink:0;color:var(--accent)}
    .va-crisis button.active svg{color:var(--accent-ink)}
    .va-crisis button span{display:block;font-weight:400;font-size:12.5px;line-height:1.35}
    .va-crisis button b{display:block;font-weight:700;font-size:14px}
    .va-results{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}
    .va-rcard{background:var(--surface-dark);border:1px solid var(--surface-dark-border);border-radius:14px;padding:16px 16px 14px}
    .va-rl{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--ink-on-dark-mute);margin-bottom:8px}
    .va-rl i{width:10px;height:10px;border-radius:3px;display:inline-block}
    .va-rcard strong{display:block;font-family:var(--font-h);font-weight:800;font-size:clamp(18px,2vw,26px);letter-spacing:-.5px;color:#fff;line-height:1.1}
    .va-rcard small{display:block;font-size:12px;color:var(--accent);margin-top:5px;min-height:1em}
    .va-chart{position:relative;background:rgba(0,0,0,.18);border:1px solid var(--surface-dark-border);border-radius:14px;padding:10px 8px 4px;height:clamp(220px,32vw,320px);cursor:crosshair}
    .va-chart svg{width:100%;height:100%;display:block;overflow:visible}
    .va-grid{stroke:rgba(255,255,255,.08);stroke-width:1}
    .va-axis{fill:rgba(255,255,255,.55);font-size:11px;font-family:var(--font-b)}
    .va-area{fill:rgba(201,168,106,.18)}
    .va-line{fill:none;stroke:var(--accent);stroke-width:3;stroke-linejoin:round;stroke-linecap:round;vector-effect:non-scaling-stroke}
    .va-crisis-line{stroke:rgba(255,255,255,.35);stroke-width:1;stroke-dasharray:4 4;vector-effect:non-scaling-stroke}
    .va-hover-line{stroke:rgba(255,255,255,.3);stroke-width:1;vector-effect:non-scaling-stroke}
    .va-dot{fill:var(--accent);stroke:var(--bg-dark);stroke-width:2}
    .va-tip{position:absolute;transform:translate(-50%,-100%);background:rgba(10,26,56,.96);border:1px solid rgba(255,255,255,.2);border-radius:10px;padding:8px 12px;font-size:13px;color:#fff;white-space:nowrap;pointer-events:none}
    .va-tip b{display:block;color:var(--accent);font-size:12px;margin-bottom:2px}
    .va-legend{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--ink-on-dark-soft);margin-top:12px}
    .va-legend i{width:22px;height:3px;border-radius:2px;background:var(--accent)}
    .va-crisis-banner{display:flex;gap:12px;align-items:flex-start;background:rgba(201,168,106,.12);border:1px solid rgba(201,168,106,.35);border-radius:12px;padding:14px 16px;margin-top:14px;font-size:14px;line-height:1.55;color:var(--ink-on-dark-soft)}
    .va-crisis-banner svg{width:22px;height:22px;flex-shrink:0;color:var(--accent)}
    .va-crisis-banner b{color:#fff}
    .va-sim-foot{font-size:12.5px;color:var(--ink-on-dark-mute);line-height:1.55;margin-top:16px}
    .va-sim-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:clamp(24px,3vw,40px);padding-top:clamp(22px,3vw,32px);border-top:1px solid var(--surface-dark-border)}
    .va-sim-cta h3{font-family:var(--font-h);font-weight:700;font-size:clamp(19px,2vw,24px);color:#fff;margin-bottom:6px}
    .va-sim-cta p{font-size:15px;color:var(--ink-on-dark-soft);max-width:56ch}
    .va-sim-cta-actions{display:flex;gap:12px;flex-wrap:wrap;flex-shrink:0}
    .va-sim .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4)}
    .va-sim .btn-ghost:hover{background:#fff;color:var(--brand-dark);border-color:#fff}

    /* Gruende, Kaufkraft */
    .va-reasons{display:grid;grid-template-columns:1fr 1fr;gap:22px 32px}
    .va-reasons h3{font-family:var(--font-h);font-weight:700;font-size:18px;color:var(--black);margin-bottom:8px}
    .va-reasons p{font-size:15px;line-height:1.6;color:var(--gray-700)}
    .va-kaufkraft h3{font-size:18px;margin-bottom:18px}
    .va-kk-row{display:grid;grid-template-columns:1fr auto;gap:2px 14px;padding:12px 0;border-bottom:1px solid var(--gray-200)}
    .va-kk-row span{font-size:14px;color:var(--gray-700)}
    .va-kk-row strong{grid-row:1/3;align-self:center;font-family:var(--font-h);font-weight:800;font-size:22px;letter-spacing:-.5px;color:var(--black)}
    .va-kk-row small{font-size:12px;color:var(--gray-500)}
    .va-kk-row.is-minus strong{color:#B3402A}
    .va-kk-row.is-plus strong{color:var(--privat-1)}
    .va-kaufkraft p{margin-top:16px;margin-bottom:0}

    /* Toepfe und Vergleich */
    .va-pots{display:grid;grid-template-columns:1fr 1fr;gap:18px}
    .va-pot{border-radius:var(--radius);padding:28px 26px;border:1px solid var(--gray-200);background:var(--gray-50)}
    .va-pot.is-good{background:#F1F6FC;border-color:#D8E6F4}
    .va-pot-tag{display:inline-block;font-family:var(--font-h);font-weight:700;font-size:11.5px;letter-spacing:1.5px;text-transform:uppercase;padding:5px 10px;border-radius:999px;background:var(--gray-200);color:var(--gray-700);margin-bottom:14px}
    .va-pot.is-good .va-pot-tag{background:var(--sport-2);color:#fff}
    .va-pot h3{font-family:var(--font-h);font-weight:700;font-size:20px;color:var(--black);margin-bottom:8px}
    .va-pot>p{font-size:15px;color:var(--gray-700);line-height:1.6;margin-bottom:16px}
    .va-pot-bar{display:flex;gap:4px;height:38px;border-radius:10px;overflow:hidden;margin-bottom:18px}
    .va-pot-bar span{display:grid;place-items:center;font-family:var(--font-h);font-weight:700;font-size:12.5px;color:#fff;background:var(--gray-500);white-space:nowrap;overflow:hidden}
    .va-pot-bar.is-split span:nth-child(1){background:var(--sport-2)}
    .va-pot-bar.is-split span:nth-child(2){background:#4F86C6}
    .va-pot-bar.is-split span:nth-child(3){background:var(--accent);color:var(--accent-ink)}
    .va-pot ul{list-style:none;margin:0}
    .va-pot li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--gray-700);line-height:1.5;padding:7px 0;border-top:1px solid rgba(0,0,0,.06)}
    .va-pot li svg{width:18px;height:18px;flex-shrink:0;margin-top:2px;color:#B3402A}
    .va-pot.is-good li svg{color:var(--privat-2)}

    /* Drei Prinzipien */
    .va-band{background:var(--gray-50);border-radius:var(--radius);padding:clamp(28px,4vw,52px) clamp(22px,4vw,52px)}
    .va-three{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .va-three>div{background:#fff;border:1px solid var(--gray-200);border-radius:14px;padding:24px 22px}
    .va-three svg{width:30px;height:30px;color:var(--sport-2);margin-bottom:14px}
    .va-three h3{font-family:var(--font-h);font-weight:700;font-size:18px;color:var(--black);margin-bottom:8px}
    .va-three p{font-size:14.5px;line-height:1.6;color:var(--gray-700)}

    /* Bausteine, Aufteilung */
    .va-blocks,.va-alloc{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .va-block,.va-alloc-card{position:relative;background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius);padding:26px 24px;transition:all var(--t)}
    .va-block:hover,.va-alloc-card:hover{background:#fff;box-shadow:0 22px 48px -24px rgba(0,31,63,.2);transform:translateY(-3px)}
    .va-block-num{width:38px;height:38px;border-radius:11px;background:var(--sport-3);color:var(--sport-1);font-family:var(--font-h);font-weight:800;font-size:15px;display:grid;place-items:center;flex-shrink:0;margin-bottom:14px}
    .va-block h3,.va-alloc-card h3{font-family:var(--font-h);font-weight:700;font-size:20px;color:var(--black);margin-bottom:12px;letter-spacing:-.3px}
    .va-block .checklist li{font-size:14.5px;padding:7px 0 7px 28px}
    .va-block .checklist li::before{top:11px;width:16px;height:16px;background-size:10px}
    .va-alloc{grid-template-columns:repeat(2,1fr)}
    .va-alloc-head{display:flex;gap:14px;align-items:flex-start;margin-bottom:12px}
    .va-alloc-head .va-block-num{margin-bottom:0}
    .va-alloc-head h3{margin-bottom:0}
    .va-alloc-card>p{font-size:14.5px;line-height:1.6;color:var(--gray-700);margin-bottom:18px}
    .va-alloc-note{font-size:13px !important;color:var(--gray-500) !important;border-top:1px solid var(--gray-200);padding-top:14px;margin-top:18px;margin-bottom:0 !important}
    .va-alloc-note a{color:var(--brand);font-weight:600;text-decoration:underline;text-underline-offset:3px}
    .va-bar{margin-bottom:12px}
    .va-bar-top{display:flex;justify-content:space-between;align-items:flex-end;gap:12px;margin-bottom:6px}
    .va-bar-top span{font-size:14px;font-weight:600;color:var(--gray-900);line-height:1.3}
    .va-bar-top small{display:block;font-size:12px;font-weight:400;color:var(--gray-500)}
    .va-bar-top b{font-family:var(--font-h);font-weight:800;font-size:15px;color:var(--sport-1)}
    .va-bar-track{height:9px;border-radius:999px;background:var(--gray-200);overflow:hidden}
    .va-bar-track i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--sport-2),var(--sport-1))}
    .va-bar-track i.alt{background:linear-gradient(90deg,#9CC3E8,#4F86C6)}
    .va-donut-wrap{display:flex;gap:22px;align-items:center}
    .va-donut{width:128px;height:128px;flex-shrink:0;transform:rotate(-90deg)}
    .va-donut text{transform:rotate(90deg);transform-origin:50px 50px;font-family:var(--font-h)}
    .va-donut-legend{list-style:none;margin:0;display:grid;gap:7px}
    .va-donut-legend li{display:flex;align-items:center;gap:9px;font-size:13.5px;color:var(--gray-700)}
    .va-donut-legend li b{margin-left:auto;font-family:var(--font-h);font-weight:700;color:var(--black)}
    .va-donut-legend i{width:11px;height:11px;border-radius:3px;flex-shrink:0}
    .va-donut-legend.is-row{display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:center;margin-top:14px}
    .va-metric{display:flex;align-items:baseline;gap:6px}
    .va-metric strong{font-family:var(--font-h);font-weight:800;font-size:44px;letter-spacing:-1.5px;color:var(--sport-1);line-height:1}
    .va-metric span{font-family:var(--font-h);font-weight:700;font-size:18px;color:var(--gray-500)}
    .va-metric-note{font-size:12.5px !important;color:var(--gray-500) !important;margin:4px 0 16px !important}
    .va-minis{display:grid;grid-template-columns:1fr 1fr;gap:10px}
    .va-minis div{background:#fff;border:1px solid var(--gray-200);border-radius:12px;padding:12px 14px}
    .va-minis b{display:block;font-family:var(--font-h);font-weight:800;font-size:17px;color:var(--black);margin-bottom:2px}
    .va-minis span{font-size:12.5px;color:var(--gray-500)}
    .va-alloc-card.is-dark{background:linear-gradient(160deg,var(--sport-1),var(--bg-dark));border-color:transparent;color:#fff}
    .va-alloc-card.is-dark:hover{background:linear-gradient(160deg,var(--sport-1),var(--bg-dark))}
    .va-alloc-card.is-dark .va-block-role{color:var(--accent)}
    .va-alloc-card.is-dark h3{color:#fff}
    .va-alloc-card.is-dark>p{color:var(--ink-on-dark-soft)}
    .va-principle{display:grid;gap:14px;margin:0}
    .va-principle dt{font-family:var(--font-h);font-weight:700;font-size:15px;color:#fff}
    .va-principle dd{font-size:14px;color:var(--ink-on-dark-soft);margin:0}
    .va-mix{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius);padding:clamp(24px,3vw,36px);margin-top:18px;text-align:center}
    .va-mix h3{font-family:var(--font-h);font-weight:700;font-size:20px;color:var(--black);margin-bottom:6px}
    .va-mix>p{font-size:14.5px;color:var(--gray-500);margin-bottom:18px}
    .va-mixbar{display:flex;gap:3px;height:52px;border-radius:12px;overflow:hidden}
    .va-mixbar span{display:grid;place-items:center;font-family:var(--font-h);font-weight:700;font-size:13.5px;color:#fff;white-space:nowrap;overflow:hidden}
    .va-mix .va-note{max-width:none;text-align:center;margin-top:18px}

    /* Renditefaktoren */
    .va-factors{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius);padding:clamp(24px,3vw,40px);margin-top:18px}
    .va-factors-head{max-width:720px;margin-bottom:22px}
    .va-factors-head h3{font-family:var(--font-h);font-weight:700;font-size:22px;color:var(--black);margin-bottom:8px}
    .va-factors-head p{font-size:15px;color:var(--gray-700);line-height:1.6}
    .va-factors-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
    .va-factors-grid div{background:#fff;border:1px solid var(--gray-200);border-left:3px solid var(--accent);border-radius:12px;padding:16px 18px}
    .va-factors-grid b{display:block;font-family:var(--font-h);font-weight:700;font-size:15.5px;color:var(--black);margin-bottom:6px}
    .va-factors-grid span{font-size:14px;line-height:1.55;color:var(--gray-700)}

    /* Team */
    .va-team{grid-template-columns:1.25fr 1fr;align-items:center}
    .va-team-photo{margin:0;position:relative}
    .va-team-photo img{width:100%;height:auto;border-radius:24px;box-shadow:0 30px 60px -28px rgba(0,31,63,.3);display:block}
    .va-team-photo figcaption{font-size:13.5px;color:var(--gray-500);line-height:1.5;margin-top:14px}
    .va-team-photo figcaption strong{display:block;font-family:var(--font-h);font-weight:700;font-size:15px;color:var(--black)}

    /* Schritte: Nummer als Zahl, Wort "Schritt" bleibt daneben */
    .va-steps .bestand-step-num{color:var(--gray-500)}

    /* Kontakt */
    .va-kontakt-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:clamp(28px,4vw,56px);align-items:center;background:linear-gradient(135deg,var(--sport-2) 0%,var(--sport-1) 60%,#0F2549 100%);color:#fff;border-radius:var(--radius);padding:clamp(30px,4vw,56px) clamp(24px,4vw,56px)}
    .va-kontakt .eyebrow{color:var(--accent)}
    .va-kontakt .block-head{color:#fff}
    .va-kontakt .block-note{color:#cfd8e3}
    .va-kontakt .checklist li{color:#fff;border-bottom-color:rgba(255,255,255,.12)}
    .va-kontakt .checklist li::before{background-color:var(--accent)}
    .va-kontakt .checklist{margin-bottom:0}
    .va-kontakt-card{background:#fff;color:var(--gray-900);border-radius:16px;padding:26px 24px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5)}
    .va-kontakt-card h3{font-family:var(--font-h);font-weight:700;font-size:19px;color:var(--black);margin-bottom:6px;line-height:1.25}
    .va-kontakt-card>p{font-size:14px;color:var(--gray-500);margin-bottom:16px}
    .va-kontakt-action{display:flex;align-items:center;gap:14px;border:1.5px solid var(--gray-200);border-radius:12px;padding:14px 16px;margin-bottom:10px;transition:all var(--t)}
    .va-kontakt-action:hover{border-color:var(--sport-2);background:#F1F6FC;transform:translateY(-2px)}
    .va-kontakt-action svg{width:24px;height:24px;color:var(--sport-2);flex-shrink:0}
    .va-kontakt-action span{font-size:13px;color:var(--gray-500);line-height:1.4}
    .va-kontakt-action b{display:block;font-family:var(--font-h);font-weight:700;font-size:15.5px;color:var(--black)}
    .va-kontakt-foot{font-size:12.5px !important;color:var(--gray-500) !important;margin:14px 0 0 !important;line-height:1.5}
    .va-disclaimer{font-size:12.5px;color:var(--gray-500);line-height:1.6;margin-top:22px;max-width:100ch}

    @media (max-width:1080px){
        .va-sim-grid{grid-template-columns:1fr}
        .va-facts-4{grid-template-columns:repeat(2,1fr)}
        .va-blocks,.va-three,.va-factors-grid{grid-template-columns:1fr}
        .va-alloc{grid-template-columns:1fr}
        .va-team{grid-template-columns:1fr}
        .va-team-photo{max-width:440px}
        .va-kontakt-grid{grid-template-columns:1fr}
    }
    @media (max-width:780px){
        .va-facts{grid-template-columns:1fr 1fr}
        .va-results{grid-template-columns:1fr}
        .va-reasons,.va-pots{grid-template-columns:1fr}
        .va-donut-wrap{flex-direction:column;align-items:flex-start}
        .va-mixbar{flex-direction:column;height:auto}
        .va-mixbar span{flex:0 0 44px !important;font-size:13px}
        .va-quick{grid-template-columns:repeat(2,1fr)}
        .va-hero-actions .btn{white-space:normal;text-align:left;line-height:1.3}
        .va-facts strong{font-size:24px}
    }
    @media (max-width:560px){
        .va-hero-actions .btn{width:100%;justify-content:center;text-align:center}
        .va-facts,.va-facts-4{grid-template-columns:1fr;gap:14px}
        .va-sim-cta-actions{width:100%;flex-direction:column}
        .va-sim-cta-actions .btn{width:100%;justify-content:center;white-space:normal}
    }