/* FSM Finance – Design System
   Radius-Regel: Outer-Shell 28px / Inner 22px, Buttons Pill, Inputs 12px.
   Ein Akzent: Navy. Eine Ease: --e. Ein Theme: hell, mit einem Navy-Block (Kontakt). */
:root{
  --bg:#F4F5F8;--surface:#FFFFFF;--tint:#E9EDF5;
  --ink:#0E1A33;--navy:#1E3A6E;--navy-2:#2F4C8A;--navy-deep:#0F2148;
  --muted:#5C6A85;--line:rgba(14,26,51,.09);
  --serif:"Cormorant Garamond","Iowan Old Style",Georgia,serif;
  --sans:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --e:cubic-bezier(.16,1,.3,1);--e2:cubic-bezier(.32,.72,0,1);
  --r-out:28px;--r-in:22px;--max:1240px;--gutter:clamp(20px,4vw,48px);
  --shadow:0 30px 80px -20px rgba(14,26,51,.18),0 8px 24px -12px rgba(14,26,51,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:clip}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.02;margin:0;letter-spacing:-.015em}
h1{font-size:clamp(2.7rem,5.4vw,4.9rem)}
h2{font-size:clamp(2.4rem,5vw,4.2rem)}
h3{font-size:clamp(1.5rem,2.2vw,1.9rem);line-height:1.1}
p{margin:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.lead{font-size:clamp(1.05rem,1.4vw,1.25rem);color:var(--muted);max-width:34rem;line-height:1.6}
.eyebrow{display:inline-flex;align-items:center;padding:.35rem .8rem;border-radius:999px;background:var(--tint);color:var(--navy);font-size:.68rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;margin-bottom:1.4rem}
section{padding:clamp(4rem,7vw,6.5rem) 0}

/* grain (fixed, pointer-events none) */
body::after{content:"";position:fixed;inset:0;z-index:4;pointer-events:none;opacity:.035;mix-blend-mode:multiply;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.9rem;padding:.55rem .55rem .55rem 1.5rem;border-radius:999px;font-weight:600;font-size:.95rem;line-height:1;transition:transform .5s var(--e),background .5s var(--e),box-shadow .5s var(--e);white-space:nowrap}
.btn .ic{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;font-size:1.05rem;transition:transform .6s var(--e)}
.btn:hover{transform:translateY(-2px)}
.btn:hover .ic{transform:translate(2px,-2px)}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 12px 30px -12px rgba(30,58,110,.6)}
.btn-primary .ic{background:rgba(255,255,255,.14)}
.btn-primary:hover{background:var(--navy-deep)}
.btn-secondary{background:var(--surface);color:var(--ink);box-shadow:inset 0 0 0 1px var(--line)}
.btn-secondary .ic{background:var(--tint)}
.btn-onnavy{background:#fff;color:var(--navy)}
.btn-onnavy .ic{background:var(--tint)}
.btn-ghostnavy{background:rgba(255,255,255,.06);color:#fff;box-shadow:inset 0 0 0 1px rgba(255,255,255,.18)}
.btn-ghostnavy .ic{background:rgba(255,255,255,.12)}
.btn.simple{padding:.85rem 1.5rem}

/* ---------- Island Nav ---------- */
.nav{position:fixed;top:18px;left:0;right:0;z-index:10;display:flex;justify-content:center;padding:0 var(--gutter);pointer-events:none}
.nav-pill{pointer-events:auto;display:flex;align-items:center;gap:1.5rem;padding:.5rem .6rem .5rem 1.1rem;border-radius:999px;background:rgba(255,255,255,.72);backdrop-filter:blur(20px) saturate(160%);-webkit-backdrop-filter:blur(20px) saturate(160%);box-shadow:inset 0 1px 0 rgba(255,255,255,.8),0 1px 0 rgba(14,26,51,.06),0 20px 50px -20px rgba(14,26,51,.25);transition:transform .6s var(--e)}
.logo{display:flex;align-items:center;gap:.6rem;color:var(--navy)}
.logo img{width:40px;height:40px;object-fit:contain}
.logo .word{font-family:var(--serif);font-weight:600;font-size:1.35rem;line-height:1;color:var(--navy);letter-spacing:.01em}
.nav-links{display:flex;gap:.2rem;list-style:none;margin:0;padding:0}
.nav-links a{display:block;padding:.55rem .85rem;border-radius:999px;font-size:.9rem;font-weight:500;color:var(--muted);transition:color .4s var(--e),background .4s var(--e)}
.nav-links a:hover{color:var(--ink);background:var(--tint)}
.nav .btn{padding:.45rem .45rem .45rem 1.2rem;font-size:.88rem}
.nav .btn .ic{width:30px;height:30px;font-size:.95rem}
.burger{display:none;width:40px;height:40px;border-radius:50%;background:var(--tint);position:relative}
.burger span{position:absolute;left:12px;right:12px;height:1.5px;background:var(--ink);transition:transform .5s var(--e),opacity .3s}
.burger span:nth-child(1){top:15px}.burger span:nth-child(2){top:24px}
body.menu-open .burger span:nth-child(1){transform:translateY(4.5px) rotate(45deg)}
body.menu-open .burger span:nth-child(2){transform:translateY(-4.5px) rotate(-45deg)}
.menu{position:fixed;inset:0;z-index:9;background:rgba(244,245,248,.92);backdrop-filter:blur(30px);-webkit-backdrop-filter:blur(30px);display:flex;flex-direction:column;justify-content:center;padding:0 var(--gutter);opacity:0;visibility:hidden;transition:opacity .6s var(--e),visibility 0s .6s}
body.menu-open .menu{opacity:1;visibility:visible;transition:opacity .6s var(--e)}
.menu a{font-family:var(--serif);font-size:clamp(2.4rem,9vw,4rem);line-height:1.1;padding:.35rem 0;border-bottom:1px solid var(--line);transform:translateY(40px);opacity:0;transition:transform .8s var(--e),opacity .8s var(--e)}
.menu a:last-child{border:0}
body.menu-open .menu a{transform:none;opacity:1}
body.menu-open .menu a:nth-child(1){transition-delay:.08s}
body.menu-open .menu a:nth-child(2){transition-delay:.14s}
body.menu-open .menu a:nth-child(3){transition-delay:.2s}
body.menu-open .menu a:nth-child(4){transition-delay:.26s}
body.menu-open .menu a:nth-child(5){transition-delay:.32s}
body.menu-open{overflow:hidden}
@media(max-width:900px){.nav-links,.nav .btn{display:none}.burger{display:block}.nav-pill{gap:.8rem;padding:.4rem .4rem .4rem .9rem}}

/* ---------- Bezel (Doppelrand) ---------- */
.bezel{background:rgba(14,26,51,.05);padding:6px;border-radius:var(--r-out);box-shadow:inset 0 0 0 1px rgba(14,26,51,.06)}
.bezel>*{border-radius:var(--r-in);overflow:hidden;background:var(--surface);box-shadow:inset 0 1px 1px rgba(255,255,255,.7)}
.bezel.dark{background:rgba(255,255,255,.07);box-shadow:inset 0 0 0 1px rgba(255,255,255,.1)}
.bezel.dark>*{background:var(--navy-deep);box-shadow:inset 0 1px 1px rgba(255,255,255,.08)}

/* ---------- Hero ---------- */
.hero{padding:clamp(7rem,14vh,9.5rem) 0 clamp(3rem,6vw,5rem);position:relative}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,5rem);align-items:center}
.hero h1{margin-bottom:1.6rem}
.hero h1 em{font-style:italic;font-weight:500;color:var(--navy)}
.hero .cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:2.2rem}
.hero-visual{position:relative}
.hero-visual .bezel>div{aspect-ratio:4/5;position:relative}
.hero-visual img{width:100%;height:100%;object-fit:cover}
@supports (animation-timeline:view()){
  @media(prefers-reduced-motion:no-preference){
    .hero-visual img{animation:par linear both;animation-timeline:view();animation-range:entry 0% exit 100%;scale:1.12}
    @keyframes par{from{translate:0 -4%}to{translate:0 4%}}
  }
}
.founders{position:absolute;left:-1.5rem;bottom:2rem;display:flex;align-items:center;gap:.9rem;padding:.6rem 1.1rem .6rem .6rem;border-radius:999px;background:rgba(255,255,255,.85);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);box-shadow:var(--shadow),inset 0 1px 0 #fff}
.founders .avs{display:flex}
.founders img{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:center 20%;border:2px solid #fff}
.founders img+img{margin-left:-12px}
.founders b{display:block;font-size:.85rem;font-weight:600}
.founders small{font-size:.75rem;color:var(--muted)}
@media(max-width:900px){.hero{padding-top:6.5rem}.hero .wrap{grid-template-columns:minmax(0,1fr)}.hero-visual .bezel>div{aspect-ratio:4/3}.founders{left:1rem;bottom:1rem}}

/* ---------- Statement ---------- */
.statement{padding:clamp(3rem,6vw,5rem) 0 clamp(1rem,2vw,2rem)}
.statement .wrap{max-width:900px;text-align:center}
.statement h2{font-size:clamp(2rem,4.6vw,3.8rem);font-style:italic;font-weight:500;margin-bottom:1.6rem}
.statement p{color:var(--muted);font-size:1.1rem;max-width:40rem;margin:0 auto}

/* ---------- Bento ---------- */
.bento-head{max-width:40rem;margin-bottom:3rem}
.bento-head h2{margin-bottom:1rem}
.bento{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:14px}
.cell{grid-column:span 4;border-radius:var(--r-out);padding:2rem;position:relative;overflow:hidden;background:var(--surface);box-shadow:inset 0 0 0 1px var(--line);min-height:240px;display:flex;flex-direction:column;justify-content:flex-end;transition:transform .7s var(--e),box-shadow .7s var(--e)}
.cell:hover{transform:translateY(-4px);box-shadow:inset 0 0 0 1px var(--line),var(--shadow)}
.cell i{font-size:1.7rem;color:var(--navy);margin-bottom:auto}
.cell h3{margin:1.6rem 0 .5rem;hyphens:auto}
.cell p{color:var(--muted);font-size:.95rem;max-width:26rem}
.cell.c7{grid-column:span 7}.cell.c5{grid-column:span 5}.cell.c8{grid-column:span 8}
.cell.navy{background:var(--navy);color:#fff;box-shadow:none}
.cell.navy i{color:#fff}.cell.navy p{color:rgba(255,255,255,.72)}
.cell.tint{background:var(--tint)}
.cell.photo{color:#fff;min-height:360px;box-shadow:none}
.cell.photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--e)}
.cell.photo:hover img{transform:scale(1.04)}
.cell.photo::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(15,33,72,.9),rgba(15,33,72,.15) 60%,transparent)}
.cell.photo>*{position:relative;z-index:1}
.cell.photo i{color:#fff}.cell.photo p{color:rgba(255,255,255,.78)}
@media(max-width:900px){.cell,.cell.c7,.cell.c5,.cell.c8{grid-column:span 12}.cell{min-height:0;padding:1.6rem}.cell i{margin-bottom:1.2rem}.cell h3{margin-top:0}}

/* ---------- Team ---------- */
.team .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(2rem,6vw,6rem);align-items:start}
.team .sticky{position:sticky;top:120px}
.team .sticky h2{margin-bottom:1.2rem}
.team .sticky p{color:var(--muted);font-size:1.05rem;max-width:30rem;margin-bottom:1.2rem}
.cascade{display:grid;gap:2rem;padding:1rem 0}
.person{transition:transform .8s var(--e)}
.person:nth-child(1){transform:rotate(-1.5deg);justify-self:start;width:88%}
.person:nth-child(2){transform:rotate(1.5deg);justify-self:end;width:88%;margin-top:-1rem}
.person:hover{transform:rotate(0) translateY(-4px)}
.person .card{display:grid;grid-template-columns:150px 1fr;gap:1.4rem;padding:1.2rem;align-items:center}
.person img{width:150px;height:170px;object-fit:cover;object-position:center 15%;border-radius:16px}
.person .card h3{margin-bottom:.3rem}
.person .role{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;font-weight:600;color:var(--navy);margin-bottom:.7rem}
.person .card p{color:var(--muted);font-size:.93rem}
@media(max-width:900px){.team .wrap{grid-template-columns:minmax(0,1fr)}.team .sticky{position:static}.person,.person:nth-child(1),.person:nth-child(2){transform:none;width:100%;margin:0}.person .card{grid-template-columns:110px 1fr;gap:1rem}.person img{width:110px;height:130px}}

/* ---------- Ablauf ---------- */
.steps-head{text-align:center;max-width:36rem;margin:0 auto 4rem}
.steps-head h2{margin-bottom:1rem}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:2rem}
.step{padding-top:1.6rem;border-top:1px solid rgba(14,26,51,.2);position:relative}
.step::before{content:"";position:absolute;top:-1px;left:0;width:0;height:1px;background:var(--navy);transition:width 1.4s var(--e)}
.step.in::before{width:100%}
.step .n{font-family:var(--serif);font-size:3rem;line-height:1;color:var(--navy);font-weight:500;font-style:italic;margin-bottom:1.2rem}
.step h3{font-size:1.75rem;margin-bottom:.6rem}
.step p{color:var(--muted);font-size:.95rem}
@media(max-width:900px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.steps{grid-template-columns:minmax(0,1fr)}}

/* ---------- FAQ ---------- */
.faq .wrap{display:grid;grid-template-columns:1fr 1.4fr;gap:clamp(2rem,5vw,5rem)}
.faq h2{margin-bottom:1rem}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1.5rem;padding:1.5rem 0;font-family:var(--serif);font-size:1.45rem;font-weight:500;line-height:1.2}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pl{flex:none;width:34px;height:34px;border-radius:50%;background:var(--tint);display:grid;place-items:center;color:var(--navy);transition:transform .6s var(--e),background .4s}
.faq details[open] summary .pl{transform:rotate(45deg);background:var(--navy);color:#fff}
.faq .a{color:var(--muted);padding:0 3.5rem 1.6rem 0;max-width:36rem}
@media(max-width:900px){.faq .wrap{grid-template-columns:minmax(0,1fr)}}

/* ---------- Kontakt (Navy-Block) ---------- */
.contact{background:var(--navy-deep);color:#fff;position:relative;overflow:hidden;border-radius:var(--r-out) var(--r-out) 0 0}
.contact::before{content:"";position:absolute;width:70vw;height:70vw;max-width:900px;max-height:900px;border-radius:50%;right:-25vw;top:-30vw;background:radial-gradient(circle,rgba(47,76,138,.55),transparent 62%);pointer-events:none}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,6vw,6rem);align-items:start;position:relative}
.contact h2{margin-bottom:1.2rem}
.contact .lead{color:rgba(255,255,255,.72)}
.contact address{font-style:normal;color:rgba(255,255,255,.72);margin:2rem 0;line-height:1.8}
.contact .ways{display:flex;flex-direction:column;gap:.8rem;align-items:flex-start}
.contact form{padding:1.6rem;display:grid;gap:1rem}
.contact label{display:grid;gap:.4rem;font-size:.82rem;font-weight:600;color:rgba(255,255,255,.85)}
.contact input,.contact select,.contact textarea{font:inherit;font-size:.95rem;color:#fff;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:.8rem .95rem;width:100%;transition:border-color .4s,background .4s}
.contact input::placeholder,.contact textarea::placeholder{color:rgba(255,255,255,.4)}
.contact input:focus,.contact select:focus,.contact textarea:focus{outline:none;border-color:rgba(255,255,255,.6);background:rgba(255,255,255,.1)}
.contact select option{color:var(--ink)}
.contact form small{color:rgba(255,255,255,.55);font-size:.76rem}
.contact form small a{text-decoration:underline}
.contact .two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.contact .err{display:none;color:#FFB4B4;font-size:.8rem}
.contact form.invalid .err{display:block}
@media(max-width:900px){.contact .wrap{grid-template-columns:minmax(0,1fr)}.contact .two{grid-template-columns:minmax(0,1fr)}}

/* ---------- Footer ---------- */
footer{background:var(--navy-deep);color:rgba(255,255,255,.55);padding:2rem 0 2.5rem;font-size:.85rem}
footer .wrap{display:flex;justify-content:space-between;align-items:center;line-height:1.6;gap:1.5rem;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.1);padding-top:2rem}
footer nav{display:flex;gap:1.6rem}
footer a:hover{color:#fff}

/* ---------- Legal ---------- */
.legal{padding-top:9rem;max-width:760px}
.legal h1{font-size:clamp(2.4rem,5vw,3.6rem);margin-bottom:2rem}
.legal h2{font-size:1.6rem;margin:2.5rem 0 .8rem}
.legal p{margin-bottom:1rem;color:var(--muted)}
.legal .todo{background:#FFF1C9;color:#5A4300;padding:.1rem .45rem;border-radius:6px;font-size:.9em}

/* ---------- Reveal ---------- */
.rv{opacity:0;transform:translateY(28px);filter:blur(6px);transition:opacity .9s var(--e),transform .9s var(--e),filter .9s var(--e);transition-delay:calc(var(--i,0)*90ms)}
.rv.in{opacity:1;transform:none;filter:none}
@media(prefers-reduced-motion:reduce){
  .rv{opacity:1;transform:none;filter:none;transition:none}
  .btn,.cell,.person,.menu a,.step::before{transition:none!important}
  html{scroll-behavior:auto}
}

/* ---------- Cookie-Consent ---------- */
.consent{position:fixed;z-index:8;left:var(--gutter);right:var(--gutter);bottom:20px;max-width:760px;margin:0 auto;transform:translateY(24px);opacity:0;transition:transform .8s var(--e),opacity .8s var(--e)}
.consent.show{transform:none;opacity:1}
.consent .bezel{backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);background:rgba(14,26,51,.08);box-shadow:inset 0 0 0 1px rgba(14,26,51,.08),var(--shadow)}
.consent-in{padding:1.4rem 1.5rem;display:grid;gap:1.2rem;color:var(--ink)}
.consent-txt b{font-family:var(--serif);font-size:1.35rem;font-weight:600;display:block;margin-bottom:.3rem}
.consent-txt p{font-size:.9rem;color:var(--muted)}
.consent-txt a{text-decoration:underline}
.consent-opts{display:flex;gap:1.2rem;flex-wrap:wrap;margin-top:.9rem;font-size:.85rem;font-weight:500}
.consent-opts label{display:flex;align-items:center;gap:.4rem}
.consent-opts input{accent-color:var(--navy);width:16px;height:16px}
.consent-btns{display:flex;gap:.6rem;flex-wrap:wrap}
.consent-btns .btn{font-size:.88rem}
@media(max-width:560px){.consent{left:12px;right:12px;bottom:12px}.consent-btns .btn{width:100%;justify-content:center}}

/* ---------- Partner-Leiste (Marquee) ---------- */
.partners{margin-top:-.5rem}
.partners-pill{background:var(--surface);border-radius:var(--r-out);box-shadow:inset 0 0 0 1px var(--line),var(--shadow);padding:1.4rem 0;overflow:hidden;position:relative}
.partners-pill::before,.partners-pill::after{content:"";position:absolute;top:0;bottom:0;width:90px;z-index:1;pointer-events:none}
.partners-pill::before{left:0;background:linear-gradient(90deg,var(--surface),transparent)}
.partners-pill::after{right:0;background:linear-gradient(270deg,var(--surface),transparent)}
.marquee{display:flex;width:max-content}
.track{display:flex;align-items:center;gap:clamp(3rem,6vw,5.5rem);padding-right:clamp(3rem,6vw,5.5rem);animation:mq 38s linear infinite}
.track img{height:34px;width:auto;max-width:150px;object-fit:contain;filter:brightness(0);opacity:.45;transition:opacity .5s var(--e),filter .5s var(--e)}
.partners-pill:hover .track{animation-play-state:paused}
.track img:hover{opacity:.9}
.track img.keep{filter:grayscale(1) brightness(1.15)}
@keyframes mq{to{transform:translateX(-100%)}}
@media(prefers-reduced-motion:reduce){.track{animation:none}.marquee{flex-wrap:wrap;width:auto;justify-content:center}.track[aria-hidden]{display:none}}

/* ---------- Kontakt-Fragebogen ---------- */
.wizard{padding:1.6rem;color:#fff}
.wz-steps{display:flex;align-items:center;justify-content:center;gap:.8rem;margin-bottom:1.6rem}
.wz-steps span{display:flex;flex-direction:column;align-items:center;gap:.4rem;font-size:.72rem;font-weight:600;color:rgba(255,255,255,.45);position:relative;padding-top:2.2rem}
.wz-steps span::before{content:attr(data-n)}
.wz-steps span i{font-style:normal;letter-spacing:.06em;text-transform:uppercase;font-size:.62rem}
.wz-steps span:nth-child(2)::after{content:"";position:absolute;left:-3.2rem;top:.9rem;width:2.6rem;height:1px;background:rgba(255,255,255,.18)}
.wz-steps span::before{position:absolute;top:0;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-size:.8rem;background:rgba(255,255,255,.08);color:rgba(255,255,255,.6);transition:background .4s var(--e),color .4s}
.wz-steps span.on{color:#fff}
.wz-steps span.on::before{background:#fff;color:var(--navy)}
.wz-steps span:nth-child(2){margin-left:3.6rem}
.wz-body{transition:opacity .22s var(--e),transform .22s var(--e);min-height:300px}
.wz-body.out-l{opacity:0;transform:translateX(-18px)}
.wz-body.out-r{opacity:0;transform:translateX(18px)}
.wz-count{font-size:.78rem;color:rgba(255,255,255,.45);margin-bottom:.3rem}
.wz-body h3{font-size:1.55rem;margin-bottom:1.2rem}
.wz-opts{display:grid;gap:.6rem}
.wz-opt{text-align:left;padding:.85rem 1.2rem;border-radius:999px;border:1px solid rgba(255,255,255,.18);color:#fff;font-weight:500;font-size:.95rem;transition:background .4s var(--e),border-color .4s var(--e),transform .4s var(--e)}
.wz-opt:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.4);transform:translateX(3px)}
.wz-opt.sel{background:#fff;color:var(--navy);border-color:#fff}
.wz-back{margin-top:1.2rem;font-size:.85rem;color:rgba(255,255,255,.5);transition:color .3s}
.wz-back:hover{color:#fff}
.wz-form{display:grid;gap:1rem}
.wz-form h3{margin-bottom:.2rem}
.wz-form label{display:grid;gap:.4rem;font-size:.82rem;font-weight:600;color:rgba(255,255,255,.85)}
.wz-form .opt{font-weight:400;color:rgba(255,255,255,.5)}
.wz-form input,.wz-form textarea{font:inherit;font-size:.95rem;color:#fff;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:.8rem .95rem;width:100%;transition:border-color .4s,background .4s}
.wz-form input::placeholder,.wz-form textarea::placeholder{color:rgba(255,255,255,.4)}
.wz-form input:focus,.wz-form textarea:focus{outline:none;border-color:rgba(255,255,255,.6);background:rgba(255,255,255,.1)}
.wz-form .two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.wz-form .hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.wz-form .chk{grid-template-columns:auto 1fr;align-items:start;font-weight:400;font-size:.82rem;color:rgba(255,255,255,.65);line-height:1.5}
.wz-form .chk input{width:16px;height:16px;margin-top:.2rem;accent-color:#fff}
.wz-form .chk a{text-decoration:underline;color:#fff}
.wz-form .err{color:#FFB4B4;font-size:.82rem;min-height:1.2em;margin:0}
.wz-actions{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap}
.wz-actions .wz-back{margin:0}
.wz-form small{color:rgba(255,255,255,.5);font-size:.76rem}
.wz-done{text-align:center;padding:2rem 0}
.wz-done .ok{width:64px;height:64px;border-radius:50%;background:#fff;color:var(--navy);display:grid;place-items:center;font-size:1.8rem;margin:0 auto 1.2rem}
.wz-done p{color:rgba(255,255,255,.72);max-width:28rem;margin:0 auto 1.6rem}
.wz-note{font-size:.76rem;color:rgba(255,255,255,.45);text-align:center;margin-top:1.4rem;line-height:1.5}
@media(max-width:560px){.wz-form .two{grid-template-columns:minmax(0,1fr)}.wizard{padding:1.2rem}}

/* Leistungs-Unterseiten */
.cell .more{margin-top:1rem;font-size:.9rem;font-weight:500;color:var(--navy);display:inline-flex;align-items:center;gap:.4rem}
.cell.navy .more,.cell.photo .more{color:#fff}
.sub{padding-top:9rem}
.sub-hero{max-width:46rem;margin-bottom:3rem}
.sub-hero .eyebrow{gap:.3rem}
.sub-hero h1{font-size:clamp(2.3rem,4.6vw,3.8rem);margin:1.2rem 0 1.2rem;hyphens:manual}
.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-bottom:3.5rem}
.fact{padding:1.6rem;border-radius:var(--r-out);background:var(--surface);box-shadow:inset 0 0 0 1px var(--line)}
.fact b{display:block;font-family:var(--serif);font-weight:500;font-size:1.8rem;line-height:1.05;color:var(--navy);margin-bottom:.5rem}
.fact span{color:var(--muted);font-size:.95rem}
.prose{max-width:760px}
.prose h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:2.8rem 0 1rem}
.prose p,.prose li{color:var(--muted);font-size:1.05rem;margin-bottom:1rem}
.prose ul{padding-left:1.2rem}
.prose .faq .a{padding-right:2rem}
.sub-cta{margin-top:4rem;padding:2.5rem;border-radius:var(--r-out);background:var(--navy);color:#fff;display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.sub-cta h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:.5rem}
.sub-cta p{color:rgba(255,255,255,.72)}
.sub-more{margin-top:3.5rem}
.sub-links{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1rem}
.sub-links a{display:inline-flex;align-items:center;gap:.5rem;padding:.6rem 1rem;border-radius:999px;background:var(--surface);box-shadow:inset 0 0 0 1px var(--line);font-size:.95rem;font-weight:500;color:var(--navy);transition:transform .4s var(--e),box-shadow .4s var(--e)}
.sub-links a:hover{transform:translateY(-2px);box-shadow:inset 0 0 0 1px var(--navy)}
@media(max-width:760px){.facts{grid-template-columns:1fr}.sub{padding-top:7rem}.sub-cta{padding:1.8rem}}