:root{
  --teal:#002b38; --teal2:#063a48; --ink:#16272d; --muted:#5d7079;
  --green:#00a651; --green-d:#008a44;
  --blue-d:#0b6f86; --amber-d:#a87b00;          /* accent text tones */
  --g:#eaf7f0; --t:#e7f2f5; --a:#fff3d6;        /* soft tints (grün/teal/amber) */
  --yellow:#fff26c;        /* same yellow block as existing site */
  --yellow-acc:#ffc21f; --yellow-deep:#f2a900;
  --paper:#f7faf9; --card:#ffffff; --line:#e7e7de; --line2:#e2ebe7;
  --shadow:0 24px 56px rgba(0,43,56,.12);   /* one shared elevation for both columns */
  --maxw:1450px;
  --sans:Roboto,-apple-system,BlinkMacSystemFont,sans-serif;
  --serif:Roboto,-apple-system,BlinkMacSystemFont,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:clamp(18px,3.4vw,52px)}

/* ---------------- HEADER (all existing details) ---------------- */
.page-header{position:sticky;top:0;z-index:50;background:rgba(247,250,249,.88);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);transition:box-shadow .4s var(--ease)}
.page-header.scrolled{box-shadow:0 10px 30px rgba(22,39,45,.08)}
.hbar{display:flex;align-items:center;justify-content:space-between;gap:26px;padding:14px 0}
.logo img{height:50px;width:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav a{padding:10px 16px;border-radius:10px;font-weight:600;font-size:15px;color:#33474e;position:relative;transition:.2s var(--ease)}
.nav a::after{content:"";position:absolute;left:16px;right:16px;bottom:6px;height:2px;background:var(--green);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.nav a:hover,.nav a.active{color:var(--teal)}
.nav a:hover::after,.nav a.active::after{transform:scaleX(1)}
.nav-toggle{display:none;width:44px;height:44px;flex:none;align-items:center;justify-content:center;border:1px solid var(--line);background:#fff;border-radius:11px;color:var(--teal);cursor:pointer;transition:.2s var(--ease)}
.nav-toggle:hover{border-color:var(--green)}
.nav-toggle svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.nav-toggle .x{display:none}
.page-header.menu-open .nav-toggle .bars{display:none}
.page-header.menu-open .nav-toggle .x{display:block}
.hcontact{display:flex;align-items:center;gap:12px}
/* Latest offers — modern shine button */
.offers{position:relative;overflow:hidden;display:inline-flex;align-items:center;gap:8px;padding:10px 15px;border-radius:999px;
  background:linear-gradient(135deg,#ffd23f,#f4a800);color:#3a2900;font-weight:800;font-size:14px;white-space:nowrap;
  box-shadow:0 8px 20px rgba(242,169,0,.32);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.offers:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(242,169,0,.46)}
.offers>*{position:relative;z-index:1}
.offers .of-ic{animation:offers-bob 2.4s var(--ease) infinite}
@keyframes offers-bob{0%,100%{transform:translateY(0) rotate(0)}50%{transform:translateY(-1px) rotate(-8deg)}}
.offers::before{content:"";position:absolute;top:0;left:-130%;width:55%;height:100%;z-index:0;
  background:linear-gradient(100deg,transparent,rgba(255,255,255,.75),transparent);transform:skewX(-18deg);
  animation:offers-shine 3s var(--ease) infinite}
@keyframes offers-shine{0%,8%{left:-130%}48%,100%{left:165%}}
.offers .of-badge{font-size:10px;font-weight:800;letter-spacing:.05em;background:#e2362b;color:#fff;padding:2px 7px;border-radius:999px;
  box-shadow:0 0 0 0 rgba(226,54,43,.55);animation:badgePulse 1.9s var(--ease) infinite}
@keyframes badgePulse{0%{box-shadow:0 0 0 0 rgba(226,54,43,.55)}70%,100%{box-shadow:0 0 0 7px rgba(226,54,43,0)}}
@media(prefers-reduced-motion:reduce){.offers::before,.offers .of-ic,.offers .of-badge{animation:none}}
@media(max-width:980px){.offers .of-txt{display:none}}
.contact{display:flex;align-items:center;gap:9px;padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:#fff;font-weight:700;font-size:14px;color:var(--teal);transition:.2s var(--ease)}
.contact:hover{border-color:var(--green);box-shadow:0 6px 16px rgba(0,166,81,.14)}
.contact .ic{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;flex:none}
.contact.tel .ic{background:#e8f1ee;color:var(--green)}
.contact.wa .ic{background:#e4f7ec;color:#25923c}
.contact small{display:block;font-weight:600;font-size:11px;color:var(--muted);line-height:1}
@media(max-width:1080px){.contact small{display:none}}
@media(max-width:920px){
  .contact span{display:none}
  .nav-toggle{display:inline-flex}
  .nav{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:3px;
       background:var(--paper);border-bottom:1px solid var(--line);padding:10px clamp(18px,3.4vw,52px) 16px;
       box-shadow:0 18px 34px rgba(22,39,45,.12);z-index:60;display:none}
  .page-header.menu-open .nav{display:flex}
  .nav a{padding:13px 14px;font-size:16px;border-radius:10px}
  .nav a::after{display:none}
  .nav a:hover,.nav a.active{background:#eaf3f0}
}

/* ---------------- HERO ---------------- */
.hero{padding:clamp(16px,2vw,28px) 0 clamp(26px,3vw,40px)}
.hgrid{display:grid;grid-template-columns:1.42fr .82fr;gap:34px;align-items:stretch}
@media(max-width:980px){.hgrid{grid-template-columns:1fr;gap:26px}}

/* calculator — all existing details, modern & clean */
.calc{position:relative;overflow:hidden;container-type:inline-size;background:
    radial-gradient(120% 90% at 100% 0,rgba(0,166,81,.05),transparent 46%),var(--card);
  border:1px solid var(--line2);border-radius:10px;
  padding:clamp(22px,2.4vw,34px);box-shadow:var(--shadow);display:flex;flex-direction:column}
.calc > *{position:relative;z-index:1}
.calc .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);
  background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px;align-self:flex-start}
.calc .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(0,166,81,.18);animation:pulse 1.8s var(--ease) infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 3px rgba(0,166,81,.20)}50%{box-shadow:0 0 0 6px rgba(0,166,81,0)}}
.calc h1{font-family:var(--serif);font-weight:700;font-size:clamp(15px,5.5cqw,32px);line-height:1.15;letter-spacing:-.02em;margin:14px 0 18px;color:var(--teal)}
.calc h1.oneline{font-size:clamp(15px,3.9cqw,32px)}
@media(max-width:560px){.calc h1{font-size:22px}}
/* single-line hero title (Umschuldung) */
.calc h1.oneline{white-space:nowrap;font-size:clamp(15px,3.9cqw,25px)}
@media(max-width:560px){.calc h1.oneline{white-space:normal;font-size:20px}}
.field{margin-bottom:15px}
.calc .slidebox{border:1px solid var(--line2);border-radius:12px;padding:14px 16px 13px;margin-bottom:14px;background:#fbfdfc}
.calc .slidebox .field{margin-bottom:0}
.calc .slidebox .field + .field{margin-top:13px;padding-top:13px;border-top:1px solid var(--line2)}
.calc .slidebox .lab{margin-bottom:7px}
.calc .slidebox .lab span{font-size:13px}
.calc .slidebox .lab b{font-size:18px}
.calc .slidebox .scale{font-size:11px;margin-top:6px}
.field .lab{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:9px}
.field .lab span{font-weight:600;font-size:14px;letter-spacing:.01em;color:#3a4a51}
.field .lab b{font-family:var(--sans);font-weight:700;font-size:21px;color:var(--teal);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
/* futuristic slider: gradient fill + glowing thumb */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;outline:none;cursor:pointer;
  background:linear-gradient(90deg,var(--green) 0%,#19c46e var(--p,50%),#e4ece9 var(--p,50%))}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;
  box-shadow:0 0 0 4px rgba(0,166,81,.20),0 2px 8px rgba(0,43,56,.22);transition:box-shadow .15s var(--ease)}
input[type=range]::-webkit-slider-thumb:hover{box-shadow:0 0 0 6px rgba(0,166,81,.24),0 2px 10px rgba(0,43,56,.28)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border:none;border-radius:50%;background:#fff;box-shadow:0 0 0 4px rgba(0,166,81,.20),0 2px 8px rgba(0,43,56,.22)}
.scale{display:flex;justify-content:space-between;margin-top:7px;font-size:12px;color:var(--muted);font-variant-numeric:tabular-nums}
.selwrap{position:relative}
.selwrap::after{content:"";position:absolute;right:18px;top:50%;width:9px;height:9px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:translateY(-65%) rotate(45deg);pointer-events:none}
select{width:100%;height:52px;padding:0 44px 0 15px;border:1px solid var(--line);border-radius:10px;font-size:15px;background:#fcfdfd;color:var(--ink);appearance:none;-webkit-appearance:none;transition:.2s var(--ease)}
select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(0,166,81,.15)}
.field.sel label{display:block;font-weight:600;font-size:14px;color:#3a4a51;margin-bottom:9px}
.submit{position:relative;overflow:hidden;display:inline-flex;align-items:center;justify-content:center;gap:11px;width:100%;margin-top:6px;
  font-weight:700;font-size:18px;color:#fff;background:#002B38;border:none;border-radius:10px;padding:15px;cursor:pointer;
  box-shadow:0 14px 30px rgba(0,43,56,.28);transition:.25s var(--ease)}
.submit:hover{background:var(--teal2);transform:translateY(-2px);box-shadow:0 20px 42px rgba(0,43,56,.38)}
.submit svg{width:20px;height:20px;transition:transform .2s var(--ease)}
.submit:hover svg{transform:translateX(4px)}
.fine{text-align:center;color:var(--muted);font-size:13px;margin-top:11px}

/* right column: image + yellow block (existing) */
.rightcol{display:flex;flex-direction:column;gap:16px}
.shot{position:relative;border-radius:10px;overflow:hidden;flex:1;min-height:clamp(260px,32vw,360px);box-shadow:var(--shadow)}
.shot::after{content:"";position:absolute;inset:0;border-radius:10px;box-shadow:inset 0 0 0 1px rgba(255,255,255,.10);pointer-events:none;z-index:2}
.shot img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.shot:hover img{transform:scale(1.04)}
.shot .umcInfo{position:absolute;inset:auto 0 0 0;padding:22px 22px 18px;color:#fff;z-index:1;
  background:linear-gradient(360deg,rgba(0,12,16,.82) 0%,rgba(0,12,16,.40) 45%,rgba(0,0,0,0) 100%)}
.shot .umcInfo .t{font-family:var(--serif);font-size:clamp(22px,2.2vw,28px);font-weight:600;line-height:1.08}
.shot .umcInfo .s{font-size:16px;font-weight:600;margin-top:3px;color:rgba(255,255,255,.86)}
.rating{display:inline-flex;align-items:center;gap:9px;margin-top:13px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);
  backdrop-filter:blur(8px);padding:7px 13px;border-radius:999px;font-weight:700;font-size:14px}
.rating .g{width:19px;height:19px;border-radius:50%;background:#fff;display:grid;place-items:center;font-weight:800;color:#4285F4;font-size:12px}
.rating .stars{color:#ffc21f;letter-spacing:1px}
.rating svg{width:14px;height:14px}

.highlight-box{position:relative;overflow:hidden;background:linear-gradient(135deg,#fff37a,#ffec55);border-radius:10px;padding:20px 22px;font-size:15.5px;line-height:1.58;color:#3a360f;
  box-shadow:var(--shadow)}
.highlight-box a{display:inline-flex;align-items:center;gap:8px;margin-top:12px;font-weight:800;color:var(--teal)}
.highlight-box a svg{width:16px;height:16px;transition:.2s var(--ease)}
.highlight-box a:hover svg{transform:translateX(4px)}

/* ---------------- INTEREST-RATE SECTION ---------------- */
.rates-sec{padding:clamp(44px,6vw,84px) 0 clamp(22px,3vw,40px)}
.sec-head{max-width:720px;margin-bottom:22px}
.eyebrow2{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.eyebrow2 .dot{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(0,166,81,.18);animation:pulse 1.8s var(--ease) infinite}
.sec-head h2,.sec-head h3{font-family:var(--serif);font-weight:700;font-size:clamp(26px,2.0vw,35px);line-height:1.12;letter-spacing:-.02em;color:var(--teal);margin:14px 0 10px}
.sec-head h2 small,.sec-head h3 small{font-weight:600;font-size:.5em;color:var(--muted);letter-spacing:0}
.sec-head p{color:var(--muted);font-size:16px;line-height:1.6}

.zins-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:780px){.zins-grid{grid-template-columns:1fr}}
.zcard{position:relative;overflow:hidden;background:
    radial-gradient(120% 80% at 100% 0,rgba(0,166,81,.05),transparent 44%),var(--card);
  border:1px solid var(--line2);border-radius:10px;padding:clamp(18px,2vw,26px);box-shadow:var(--shadow);transition:transform var(--ease) .35s,box-shadow var(--ease) .35s}
.zcard:hover{transform:translateY(-5px);box-shadow:0 34px 70px rgba(0,43,56,.16)}
.zhead{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;flex-wrap:wrap}
.zhead .ttl{font-family:var(--serif);font-weight:600;font-size:21px;color:var(--teal)}
.zhead .ttl a:hover{color:var(--green)}
.zhead .sub{font-size:13px;color:var(--muted);margin-top:3px}
.ztrend{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:800;padding:6px 11px;border-radius:999px;white-space:nowrap}
.ztrend--up{color:var(--yellow-deep);background:#fff5e0}
.ztrend--down{color:var(--green-d);background:#e9f7ef}
.zrate{display:flex;align-items:baseline;gap:12px;margin:14px 0 4px;flex-wrap:wrap}
.zrate .val{font-family:var(--sans);font-weight:900;font-size:clamp(40px,5vw,58px);line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums;
  background:linear-gradient(120deg,var(--teal) 0%,var(--green) 92%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.zrate .lab{font-size:14px;color:var(--muted)}
.zchart{margin:10px 0 0}
.zchart svg{width:100%;height:auto;display:block}
.zchart text{font-family:var(--sans)}
.zfoot{margin-top:12px;padding-top:12px;border-top:1px solid var(--line2);font-size:14px;color:var(--muted);line-height:1.55}
.zfoot strong{color:var(--teal)}
.zfoot .big{font-family:var(--serif);font-weight:800;color:var(--teal)}
.zfoot a{color:var(--green-d);font-weight:700;display:inline-flex;align-items:center;gap:5px}
.zfoot a svg{width:15px;height:15px;transition:transform .2s var(--ease)}
.zfoot a:hover svg{transform:translateX(4px)}
.zsource{margin-top:16px;font-size:12.5px;color:var(--muted);line-height:1.55;max-width:1000px}
.zsource a{color:var(--green-d);font-weight:600}
.zsource .note{margin-top:8px}

/* ---------------- "ÜBERSETZER" / 500-BANKEN SECTION ---------------- */
.special{padding:clamp(26px,4vw,52px) 0}
.sp-head{margin-bottom:26px;max-width:1000px}
.sp-head h2{font-family:var(--serif);font-weight:700;font-size:clamp(25px,2.2vw,35px);line-height:1.14;letter-spacing:-.02em;color:var(--teal);max-width:800px}
.sp-head h2 .hl{color:var(--green)}
.sp-head p{margin-top:14px;color:var(--muted);font-size:16px;line-height:1.60;max-width:700px}
.arrow{display:inline-flex;align-items:center;gap:8px;margin-top:16px;font-weight:700;color:var(--green-d)}
.arrow svg{width:18px;height:18px;transition:transform .2s var(--ease)}
.arrow:hover svg{transform:translateX(4px)}

/* panorama banner (Headline links · CTA rechts) */
.pano{position:relative;border-radius:10px;overflow:hidden;box-shadow:var(--shadow);margin-bottom:20px;min-height:clamp(360px,40vw,470px);display:flex;align-items:flex-end;justify-content:space-between;gap:24px}
.pano>img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.pano:hover>img.bg{transform:scale(1.03)}
.pano::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(0,18,24,.74) 0%,rgba(0,18,24,.34) 52%,rgba(0,18,24,.5) 100%)}
.pano .cap{position:relative;z-index:2;padding:clamp(26px,3.4vw,52px);max-width:640px}
.pano .cap h2{margin:0;color:#fff;font-weight:800;font-size:clamp(23px,2.7vw,35px);line-height:1.16;letter-spacing:-.02em}
.pano .cap p{margin:14px 0 0;color:rgba(255,255,255,.92);font-size:clamp(14px,1.1vw,16px);line-height:1.6;max-width:540px}
.pano .cta-wrap{position:relative;z-index:2;padding:clamp(26px,3.4vw,52px);flex:0 0 auto;align-self:flex-end}
.pano .btn-cta{display:inline-flex;align-items:center;gap:9px;background:var(--yellow-deep);color:var(--teal);font-weight:800;font-size:15px;padding:14px 24px;border-radius:999px;box-shadow:0 14px 30px rgba(242,169,0,.45);transition:transform .25s var(--ease),box-shadow .25s var(--ease);white-space:nowrap}
.pano .btn-cta:hover{transform:translateY(-2px);box-shadow:0 20px 40px rgba(242,169,0,.55)}
.pano .btn-cta svg{width:18px;height:18px;transition:transform .2s var(--ease)}
.pano .btn-cta:hover svg{transform:translateX(4px)}
@media(max-width:760px){.pano{flex-direction:column;align-items:flex-start;justify-content:flex-end;gap:0}.pano .cta-wrap{padding-top:0}}

/* trio · getönte Karten (grün / amber / teal) */
.trio{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.trio{grid-template-columns:1fr}}
.tc{border-radius:10px;border:1px solid var(--line2);background:#fff;padding:clamp(24px,2.2vw,30px);display:flex;flex-direction:column;box-shadow:var(--shadow);transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.tc:hover{transform:translateY(-6px);box-shadow:0 34px 70px rgba(0,43,56,.16)}
.tc .ic{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;margin-bottom:14px}
.tc .ic svg{width:27px;height:27px}
.tc h3{margin:0;font-size:19px;font-weight:700;color:var(--teal);line-height:1.2;letter-spacing:-.01em}
.tc p{margin:10px 0 0;font-size:14.5px;line-height:1.60;color:#33454c;flex:1}
.tc .arrow{margin-top:14px}
.tc.g .ic{background:var(--g);color:var(--green-d)} .tc.g .arrow{color:var(--green-d)}
.tc.t .ic{background:var(--t);color:var(--blue-d)} .tc.t .arrow{color:var(--blue-d)}
.tc.a .ic{background:var(--a);color:var(--amber-d)} .tc.a .arrow{color:var(--amber-d)}
.tc .kick{display:block;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin:0 0 5px}
.tc.g .kick{color:var(--green-d)} .tc.t .kick{color:var(--blue-d)} .tc.a .kick{color:var(--amber-d)}

/* ---------------- "DIE RICHTIGE FINANZIERUNG" SECTION ---------------- */
.die{padding:clamp(26px,4vw,52px) 0}
.die-head{margin-bottom:24px;max-width:1000px}
.die-head h2,.die-head h3{font-weight:700;font-size:clamp(25px,2.2vw,35px);line-height:1.14;letter-spacing:-.02em;color:var(--teal)}
.die-head p{margin-top:14px;color:var(--muted);font-size:16px;line-height:1.6;max-width:650px}
.die-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:20px;align-items:stretch}
@media(max-width:900px){.die-grid{grid-template-columns:1fr}}
.die .ic{width:58px;height:58px;border-radius:50%;overflow:hidden;flex:none;box-shadow:0 8px 20px rgba(0,43,56,.14)}
.die .ic img{width:100%;height:100%;object-fit:cover;display:block}
/* featured Umschuldung card */
.feat{position:relative;border-radius:10px;overflow:hidden;min-height:clamp(380px,42vw,520px);box-shadow:var(--shadow);display:flex;flex-direction:column;justify-content:flex-end}
.feat img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.feat:hover img.bg{transform:scale(1.04)}
.feat::after{content:"";position:absolute;inset:0;background:linear-gradient(360deg,rgba(0,12,16,.88) 0%,rgba(0,12,16,.35) 50%,rgba(0,12,16,.05) 80%)}
.feat .ic{position:absolute;top:20px;left:20px;z-index:2}
.feat .info{position:relative;z-index:2;padding:clamp(22px,2vw,28px);color:#fff}
.feat .info h3{font-weight:700;font-size:22px;margin-bottom:8px}
.feat .info p{color:rgba(255,255,255,.88);font-size:14.5px;line-height:1.6}
.feat .info .arrow{color:#fff;margin-top:14px}
/* 2x2 service cards */
.svcs{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:560px){.svcs{grid-template-columns:1fr}}
.svc{background:#fff;border:1px solid var(--line2);border-radius:10px;padding:clamp(20px,1.8vw,26px);box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.svc:hover{transform:translateY(-5px);box-shadow:0 30px 60px rgba(0,43,56,.14)}
.svc .ic{margin-bottom:14px}
.svc h3{font-weight:700;font-size:18px;color:var(--teal);margin-bottom:8px}
.svc p{font-size:14px;line-height:1.6;color:var(--ink);flex:1}
.svc .arrow{margin-top:14px;font-size:14px}
/* tinted icon tiles (#eaf7f0 / #e7f2f5 / #fff3d6) */
.die .svcs .svc .ic{width:56px;height:56px;border-radius:14px;overflow:hidden;box-shadow:none;display:grid;place-items:center;margin-bottom:15px;transition:transform .35s var(--ease)}
.die .svcs .svc .ic img{width:30px;height:30px;object-fit:contain}
.die .svcs .svc:hover .ic{transform:rotate(-6deg)}
.die .svcs .svc:nth-child(1) .ic{background:#eaf7f0}
.die .svcs .svc:nth-child(2) .ic{background:#e7f2f5}
.die .svcs .svc:nth-child(3) .ic{background:#fff3d6}
.die .svcs .svc:nth-child(4) .ic{background:#eaf7f0}
.die .svcs .svc:nth-child(1):hover{border-color:#bfe7d2}
.die .svcs .svc:nth-child(2):hover{border-color:#bcdde6}
.die .svcs .svc:nth-child(3):hover{border-color:#f3e2bd}
.die .svcs .svc:nth-child(4):hover{border-color:#bfe7d2}

/* ---------------- IN 3 SCHRITTEN — "get to know" style cards ---------------- */
.steps3{padding:clamp(34px,5vw,68px) 0}
.steps3 .head{max-width:820px;margin:0 0 clamp(26px,3vw,40px)}
.steps3 .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.steps3 h2,.steps3 h3{font-weight:700;font-size:clamp(30px,4vw,35px);line-height:1.08;letter-spacing:-.02em;color:var(--teal);margin:16px 0 0}
.steps3 .sub{color:var(--muted);font-size:clamp(16px,1.4vw,16px);line-height:1.5;margin-top:14px}
.steps3 .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:980px){.steps3 .cards{grid-template-columns:1fr;max-width:560px}}
.steps3 .card{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line2);border-radius:20px;padding:clamp(24px,2.4vw,32px) clamp(22px,2.2vw,30px);transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.steps3 .card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.steps3 .cards .card:nth-child(3){background:#fff5e0;border-color:#f6e3bd}
.steps3 .step-no{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-d)}
.steps3 .card h3,.steps3 .card .card-h{font-size:clamp(20px,1.8vw,24px);font-weight:700;color:var(--teal);margin:12px 0 8px;letter-spacing:-.01em}
.steps3 .card p{color:var(--ink);font-size:15px;line-height:1.62;margin:0 0 22px}
.steps3 .mock{margin-top:auto;background:#fff;border:1px solid var(--line2);border-radius:14px;padding:18px;box-shadow:0 10px 26px rgba(0,43,56,.06)}
/* mock — calculator (Schritt 01) */
.steps3 .mock-row{display:flex;justify-content:space-between;align-items:center;font-size:13px;color:var(--muted);margin:0 0 4px}
.steps3 .mock-row b{color:var(--teal);font-size:15px;font-weight:800}
.steps3 .bar{height:7px;border-radius:999px;background:#e6efe9;overflow:hidden;margin:6px 0 14px}
.steps3 .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--green),#00c265)}
.steps3 .mock-divider{height:1px;background:var(--line2);margin:8px 0 12px}
.steps3 .mock-rate{display:flex;justify-content:space-between;align-items:baseline}
.steps3 .mock-rate span{font-size:13px;color:var(--muted)}
.steps3 .mock-rate strong{font-size:22px;font-weight:900;color:var(--teal)}
/* mock — checklist (Schritt 02) */
.steps3 .chk{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--teal);font-weight:600;padding:8px 0;border-bottom:1px solid var(--line2)}
.steps3 .chk:last-child{border-bottom:0;padding-bottom:0}
.steps3 .tick{flex:none;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;background:var(--green);color:#fff}
.steps3 .tick svg{width:13px;height:13px}
.steps3 .chk.wait{color:var(--muted);font-weight:500}
.steps3 .tick.empty{background:#fff;border:2px dashed #c9d6d0}
/* mock — status (Schritt 03) */
.steps3 .st{display:flex;justify-content:space-between;align-items:center;font-size:14px;color:var(--teal);font-weight:600;padding:8px 0}
.steps3 .st em{font-style:normal;font-size:12px;font-weight:800;padding:4px 11px;border-radius:999px}
.steps3 .st em.ok{color:var(--green-d);background:#eef6f2}
.steps3 .st em.run{color:var(--yellow-deep);background:#fff5e0}

/* ---------------- CLIENT REVIEWS — editorial carousel ---------------- */
.revsec{padding:clamp(34px,5vw,68px) 0}
.rev-top{margin-bottom:clamp(22px,3vw,38px)}
.rev-top .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.rev-h-row{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:14px}
@media(max-width:640px){.rev-h-row{flex-direction:column;align-items:flex-start;gap:16px}}
.rev-top h2,.rev-top h4,.rev-top h6{font-weight:700;font-size:clamp(28px,2.0vw,35px);line-height:1.08;letter-spacing:-.02em;color:var(--teal);margin:0;max-width:760px}
.rev-top .ctrls{flex:none}
.rev-top .sub{color:var(--muted);font-size:clamp(15px,1.3vw,18px);font-weight:400;line-height:1.6;margin:12px 0 0;max-width:600px}
/* arrow controls */
.ctrls{display:flex;gap:10px;flex:none}
.ctrls button{width:46px;height:46px;border-radius:50%;border:1px solid var(--line2);background:#fff;color:var(--teal);display:grid;place-items:center;cursor:pointer;box-shadow:0 8px 20px rgba(0,43,56,.06);transition:transform .2s var(--ease),background .2s,color .2s,box-shadow .2s,opacity .2s}
.ctrls button:hover{background:var(--green);color:#fff;border-color:var(--green);transform:translateY(-2px);box-shadow:0 14px 28px rgba(0,166,81,.3)}
.ctrls button:disabled{opacity:.35;cursor:default;transform:none;background:#fff;color:var(--teal);border-color:var(--line2);box-shadow:none}
.ctrls button svg{width:20px;height:20px}
/* track — 3 visible, scroll-snap, draggable */
.revsec .track{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 2*var(--gap)) / 3);gap:var(--gap);--gap:22px;overflow-x:auto;scroll-snap-type:x proximity;overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch;scrollbar-width:none;-ms-overflow-style:none;padding:4px 0 10px;cursor:grab}
.revsec .track.grab{cursor:grabbing;scroll-snap-type:none}
.revsec .track::-webkit-scrollbar{display:none}
.revsec .track > *{scroll-snap-align:start;user-select:none}
@media(max-width:980px){.revsec .track{grid-auto-columns:calc((100% - var(--gap)) / 2)}}
@media(max-width:640px){.revsec .track{grid-auto-columns:86%}}
/* dots */
.revsec .dots{display:flex;gap:8px;justify-content:center;margin-top:26px}
.revsec .dots button{width:9px;height:9px;border-radius:50%;border:none;background:#cdddd6;cursor:pointer;padding:0;transition:.28s var(--ease)}
.revsec .dots button.on{background:var(--green);width:26px;border-radius:999px}
/* stars */
.revsec .stars{display:inline-flex;gap:2px;color:var(--yellow-acc)}
.revsec .stars svg{width:16px;height:16px}
/* review card */
.rcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line2);border-radius:20px;padding:28px 26px;box-shadow:var(--shadow)}
.rcard .loan{font-size:clamp(18px,1.5vw,22px);font-weight:800;color:var(--teal);letter-spacing:-.01em;line-height:1.2}
.rcard .problem,.rcard .solution{margin-top:16px}
.rcard .lbl{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:7px}
.rcard .problem .lbl{color:var(--yellow-deep)}
.rcard .solution .lbl{color:var(--green-d)}
.rcard .lbl::before{content:"";width:7px;height:7px;border-radius:50%;background:currentColor}
.rcard p{font-size:14.5px;line-height:1.62;color:var(--ink);margin:0}
.rcard .solution p + p{margin-top:9px}
.rcard .client{display:flex;align-items:center;gap:12px;margin-top:20px;padding-top:18px;border-top:1px solid var(--line2)}
.rcard .ava{flex:none;width:44px;height:44px;border-radius:50%;display:grid;place-items:center;font-size:14px;font-weight:800;color:#fff;letter-spacing:.02em;background:linear-gradient(135deg,var(--teal2),var(--teal))}
.rcard .who{display:flex;flex-direction:column;line-height:1.3}
.rcard .who b{font-size:15px;color:var(--teal);font-weight:700}
.rcard .who em{font-style:normal;font-size:12.5px;color:var(--muted)}
.rcard .client .stars{margin-left:auto}
/* editorial (A) accents */
.va .rcard{transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.va .rcard:hover{transform:translateY(-6px);box-shadow:0 30px 60px rgba(0,43,56,.14)}
.va .rcard .loan{padding-bottom:13px;border-bottom:2px solid #eef6f2}
.va .rcard .problem{background:transparent;border:none;border-radius:0;padding:0}
.va .rcard .problem p{color:var(--ink)}

/* J · Icon-Zeilen Problem/Lösung — alle Seiten · 2 Karten sichtbar */
.revsec .track{grid-auto-columns:calc((100% - var(--gap)) / 2)}
@media(max-width:680px){.revsec .track{grid-auto-columns:88%}}
.revsec .rcard{padding:28px}
.revsec .rcard .loan{margin:0 0 16px;font-size:20px;font-weight:700;color:var(--teal);letter-spacing:-.01em;border:0;padding:0}
.va .rcard .loan{border:0;padding:0}
.revsec .rcard .ln{display:flex;gap:14px;padding:14px 0}
.revsec .rcard .ln+.ln{border-top:1px solid var(--line2)}
.revsec .rcard .ln .ic{width:38px;height:38px;border-radius:11px;display:grid;place-items:center;flex:0 0 auto}
.revsec .rcard .ln .ic svg{width:19px;height:19px;stroke-linecap:round;stroke-linejoin:round;fill:none}
.revsec .rcard .ln.prob .ic{background:var(--a);color:var(--amber-d)}
.revsec .rcard .ln.sol .ic{background:var(--g);color:var(--green-d)}
.revsec .rcard .ln .k{display:block;font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:4px}
.revsec .rcard .ln.prob .k{color:var(--amber-d)}
.revsec .rcard .ln.sol .k{color:var(--green-d)}
.revsec .rcard .ln p{font-size:13.5px;line-height:1.55;color:#33454c;margin:0}

/* ---------------- FAQ (left-aligned accordion) ---------------- */
.faqsec{padding:clamp(34px,5vw,68px) 0}
.faq-head{max-width:820px;margin:0 0 clamp(26px,3vw,38px)}
.faq-head .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.faq-head h2,.faq-head h3,.faq-head h4,.faq-head h5,.faq-head h6{font-weight:700;font-size:clamp(28px,3.6vw,35px);line-height:1.08;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.faq-head h3{font-size:clamp(28px,2.0vw,35px)}
.faq-head h5{font-size:clamp(28px,2.0vw,35px);line-height:1.2}
.faq-head h6{font-size:clamp(28px,2.0vw,35px)}
.faq-head .sub{color:var(--muted);font-size:clamp(15px,1.3vw,16px);font-weight:400;line-height:1.5;margin:12px 0 0}
.fa{display:flex;flex-direction:column;gap:12px;max-width:920px}
.fa-item{border:1px solid var(--line2);border-radius:14px;background:#fff;overflow:hidden;box-shadow:var(--shadow);transition:border-color .2s var(--ease)}
.fa-item.open{border-color:#cfe9da}
.fa-q{width:100%;display:flex;align-items:center;gap:16px;justify-content:space-between;background:none;border:none;cursor:pointer;padding:20px 22px;font-family:inherit;font-weight:700;font-size:clamp(15px,1.25vw,17px);color:var(--teal);text-align:left;line-height:1.35}
.fa-item.open .fa-q{color:var(--green-d)}
.fa-ic{flex:none;width:30px;height:30px;border-radius:50%;position:relative;background:#eef6f2;color:var(--green-d);transition:.3s var(--ease)}
.fa-ic::before,.fa-ic::after{content:"";position:absolute;top:50%;left:50%;background:currentColor;border-radius:2px;transform:translate(-50%,-50%)}
.fa-ic::before{width:13px;height:2px}
.fa-ic::after{width:2px;height:13px;transition:transform .3s var(--ease)}
.fa-item.open .fa-ic{background:var(--green);color:#fff}
.fa-item.open .fa-ic::after{transform:translate(-50%,-50%) rotate(90deg)}
.fa-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.fa-a-in{padding:0 22px 20px;color:var(--ink);line-height:1.66;font-size:14.5px}
.fa-a-in p{margin:0}
/* FAQ — B · split (sticky sidebar + accordion) */
.faq-cta{display:inline-flex;align-items:center;gap:9px;background:var(--green);color:#fff;font-weight:700;font-size:15px;padding:13px 22px;border-radius:999px;box-shadow:0 12px 26px rgba(0,166,81,.3);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.faq-cta:hover{transform:translateY(-2px);box-shadow:0 18px 36px rgba(0,166,81,.42)}
.faq-cta svg{width:18px;height:18px;transition:transform .2s var(--ease)}
.faq-cta:hover svg{transform:translateX(4px)}
.faq-split .grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:clamp(28px,4vw,56px);align-items:start}
.faq-split .aside{position:sticky;top:96px}
.faq-split .faq-head{max-width:none;margin:0}
.faq-split .aside .sub{max-width:380px}
.faq-split .mini{margin-top:22px;display:flex;gap:22px}
.faq-split .mini b{display:block;font-size:22px;font-weight:900;color:var(--teal);line-height:1}
.faq-split .mini span{font-size:12.5px;color:var(--muted)}
.faq-split .faq-cta{margin-top:24px}
.faq-split .fa{max-width:none}
@media(max-width:900px){.faq-split .grid{grid-template-columns:1fr;gap:26px}.faq-split .aside{position:static}}

/* ---------------- SITE FOOTER ---------------- */
.site-footer{background:#F6F6F6;color:var(--muted);padding:clamp(44px,6vw,72px) 0 30px;margin-top:clamp(34px,5vw,64px);border-top:1px solid var(--line2)}
.site-footer a{color:var(--ink);text-decoration:none;transition:color .2s var(--ease)}
.site-footer a:hover{color:var(--green-d)}
.foot-top{display:grid;grid-template-columns:1.5fr 1fr 1.2fr 1fr;gap:clamp(24px,3vw,44px)}
@media(max-width:880px){.foot-top{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-top{grid-template-columns:1fr}}
.foot-logo{height:44px;width:auto;margin-bottom:16px}
.foot-brand p{margin:2px 0;font-size:16px;font-weight:700;color:var(--teal)}
.foot-brand .foot-tag{margin-top:12px;font-size:13.5px;color:var(--muted);line-height:1.6;max-width:330px}
.foot-col h4,.foot-col .foot-h{font-size:16px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);margin:0 0 13px}
.foot-col p{margin:5px 0;font-size:14.5px;color:var(--ink)}
.foot-rule{border:0;border-top:1px solid #b6bdba;margin:clamp(26px,3vw,38px) 0}
.foot-menu{display:grid;grid-template-columns:1.5fr 1fr 1.2fr 1fr;gap:clamp(24px,3vw,44px)}
@media(max-width:880px){.foot-menu{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:560px){.foot-menu{grid-template-columns:1fr}}
.foot-menu ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.foot-menu li a{font-size:14.5px}
.foot-reviews .rv-top{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--muted)}
.foot-reviews .stars{display:inline-flex;gap:2px;color:var(--yellow-acc)}
.foot-reviews .stars svg{width:16px;height:16px}
.foot-reviews .g{display:inline-flex;align-items:center;gap:9px;margin-top:14px;font-weight:600;color:var(--teal);font-size:15px;text-decoration:none;transition:opacity .2s var(--ease)}
.foot-reviews .g:hover{opacity:.7;color:var(--teal)}
.foot-reviews .goog{display:inline-flex;font-weight:700;font-size:19px;letter-spacing:-.5px}
.foot-reviews .goog span:nth-child(1){color:#4285F4}
.foot-reviews .goog span:nth-child(2){color:#EA4335}
.foot-reviews .goog span:nth-child(3){color:#FBBC05}
.foot-reviews .goog span:nth-child(4){color:#4285F4}
.foot-reviews .goog span:nth-child(5){color:#34A853}
.foot-reviews .goog span:nth-child(6){color:#EA4335}
.foot-reviews .g b{font-weight:700;color:var(--teal)}
.foot-reviews .g .ext{width:15px;height:15px;color:var(--muted)}
.foot-bottom{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:13.5px;color:var(--muted)}
.foot-legal{list-style:none;display:flex;gap:22px;margin:0;padding:0}

/* ---------------- Umschuldung für Hausbesitzer (Campfire-Stil) ---------------- */
.hausb{padding:clamp(20px,3vw,44px) 0}
.hausb .grid{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(28px,4vw,56px);align-items:center}
@media(max-width:900px){.hausb .grid{grid-template-columns:1fr;gap:28px}}
.hausb .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.hausb h2,.hausb h3{font-weight:700;font-size:clamp(26px,2.8vw,35px);line-height:1.12;letter-spacing:-.02em;color:var(--teal);margin:16px 0 0}
.hausb .copy p{color:var(--ink);font-size:clamp(15px,1.3vw,17px);line-height:1.7;margin:16px 0 0}
.hausb .faq-cta{margin-top:26px}
.hausb .panel{background:#f0f3f2;border-radius:10px;padding:clamp(20px,2.2vw,28px);display:grid;gap:16px}
.hausb .cf{background:#fff;border:1px solid #eef1f0;border-radius:10px;padding:20px;box-shadow:0 1px 2px rgba(0,43,56,.04),0 16px 30px rgba(0,43,56,.05)}
.hausb .cf .top{display:flex;align-items:flex-start;justify-content:space-between}
.hausb .cf .num{font-size:34px;font-weight:900;color:#16272d;line-height:1;letter-spacing:-.02em}
.hausb .cf .lab{font-size:14px;color:var(--muted);margin-top:8px}
.hausb .cf .badge{flex:none;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--green);color:#fff}
.hausb .cf .badge svg{width:16px;height:16px}
.hausb .cf.chart{padding:0;overflow:hidden}
.hausb .cf.chart .plot{position:relative;height:clamp(120px,15vw,160px);background:linear-gradient(180deg,#fbfdfc,#f4f8f6)}
.hausb .cf.chart svg{position:absolute;inset:0;width:100%;height:100%;display:block}
.hausb .cf.chart .foot{display:flex;align-items:flex-end;justify-content:space-between;padding:16px 20px 20px}
.hausb .cf.chart .num{font-size:30px}
.hausb .cf.chart .date{font-size:13px;color:var(--muted)}

/* ---------------- Vorteile (Campfire Get-to-know cards) ---------------- */
.vor{padding:clamp(20px,3vw,44px) 0}
.vor .head{max-width:760px;margin:0 0 clamp(24px,3vw,34px)}
.vor .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.vor h2,.vor h3{font-weight:700;font-size:clamp(26px,3vw,35px);line-height:1.1;letter-spacing:-.02em;color:var(--teal);margin:16px 0 0}
.vor .cards{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
@media(max-width:1100px){.vor .cards{grid-template-columns:repeat(3,1fr)}}
@media(max-width:760px){.vor .cards{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.vor .cards{grid-template-columns:1fr}}
.vor .c{background:#f0f3f2;border-radius:10px;padding:22px 20px;display:flex;flex-direction:column;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.vor .c:hover{transform:translateY(-5px);box-shadow:0 24px 50px rgba(0,43,56,.12)}
.vor .c .no{font-size:12px;font-weight:800;color:var(--green-d)}
.vor .c h4{font-size:17px;font-weight:700;color:var(--teal);margin:8px 0 0;line-height:1.2}
.vor .c p{font-size:13.5px;color:var(--muted);line-height:1.55;margin:7px 0 0}
.vor .c .mock{margin-top:auto;padding-top:18px}
.vor .m{background:#fff;border:1px solid #eef1f0;border-radius:9px;padding:13px;box-shadow:0 8px 20px rgba(0,43,56,.05)}
.vor .m .lab{font-size:11px;color:var(--muted);font-weight:600}
.vor .m .row{display:flex;align-items:center;gap:8px;margin-top:6px}
.vor .m .old{font-size:13px;color:var(--muted);text-decoration:line-through}
.vor .m .new{font-size:18px;font-weight:900;color:var(--teal)}
.vor .m .arrow{color:var(--green-d);display:inline-flex}.vor .m .arrow svg{width:14px;height:14px}
.vor .m .big{font-size:20px;font-weight:900;color:var(--teal)}
.vor .pill{display:inline-block;font-size:11px;font-weight:700;color:var(--teal);background:#eef3f1;border:1px solid #e2ebe7;border-radius:999px;padding:4px 9px}
.vor .pill.g{color:#fff;background:var(--green);border-color:transparent}
.vor .merge{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.vor .bars{display:grid;gap:7px;margin-top:6px}
.vor .bars .b{height:9px;border-radius:999px;background:#e3ece9;position:relative;overflow:hidden}
.vor .bars .b i{position:absolute;left:0;top:0;bottom:0;border-radius:999px;background:linear-gradient(90deg,var(--green),#00c265)}
.vor .bars .bl{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}
.vor .chk{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--teal);font-weight:600}
.vor .chk .t{flex:none;width:20px;height:20px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center}.vor .chk .t svg{width:12px;height:12px}
.vor .save{display:flex;align-items:center;gap:9px}
.vor .save .up{flex:none;width:30px;height:30px;border-radius:9px;background:#eef6f2;color:var(--green-d);display:grid;place-items:center}.vor .save .up svg{width:17px;height:17px}

/* ---------------- Unterlagen / Ablauf (Campfire-Stil, bunt + Mockups) ---------------- */
.ablauf{padding:clamp(20px,3vw,44px) 0}
.ablauf .head{max-width:760px;margin:0 0 clamp(24px,3vw,36px)}
.ablauf .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.ablauf h2,.ablauf h3{font-weight:700;font-size:clamp(26px,3vw,35px);line-height:1.1;letter-spacing:-.02em;color:var(--teal);margin:16px 0 0}
.ablauf .cards{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media(max-width:1100px){.ablauf .cards{grid-template-columns:repeat(3,1fr)}}
@media(max-width:760px){.ablauf .cards{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.ablauf .cards{grid-template-columns:1fr}}
.ablauf .c{background:#f0f3f2;border-radius:12px;padding:20px 18px;display:flex;flex-direction:column;position:relative;overflow:hidden;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.ablauf .c::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--accent)}
.ablauf .c:hover{transform:translateY(-5px);box-shadow:0 24px 50px rgba(0,43,56,.12)}
.ablauf .c.a-green{--accent:#00a651;--accentBg:#eef6f2}
.ablauf .c.a-teal{--accent:#063a48;--accentBg:#e7eef0}
.ablauf .c.a-amber{--accent:#f2a900;--accentBg:#fff5e0}
.ablauf .top{display:flex;align-items:center;justify-content:space-between;margin-top:4px}
.ablauf .ic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:var(--accentBg);color:var(--accent)}
.ablauf .ic svg{width:23px;height:23px}
.ablauf .no{font-size:26px;font-weight:900;color:#d4ddd9;line-height:1}
.ablauf .c h4{font-size:16px;font-weight:700;color:var(--teal);margin:15px 0 0;line-height:1.25}
.ablauf .c p{font-size:13px;color:var(--muted);line-height:1.5;margin:6px 0 0}
.ablauf .mock{margin-top:auto;padding-top:16px}
.ablauf .m{background:#fff;border:1px solid #eef1f0;border-radius:10px;padding:12px;box-shadow:0 8px 18px rgba(0,43,56,.05)}
.ablauf .m .lab{font-size:10.5px;color:var(--muted);font-weight:600}
.ablauf .mrow{display:flex;justify-content:space-between;align-items:center;font-size:11px;color:var(--muted);margin-top:3px}
.ablauf .mrow b{color:var(--teal);font-size:13px;font-weight:800}
.ablauf .bar{height:6px;border-radius:999px;background:#e6efe9;overflow:hidden;margin:5px 0 9px}
.ablauf .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--green),#00c265)}
.ablauf .file{display:flex;align-items:center;gap:9px}
.ablauf .file .fic{flex:none;width:30px;height:34px;border-radius:6px;background:#fdecec;color:#d9534f;font-size:9px;font-weight:900;display:grid;place-items:center}
.ablauf .file .fl{flex:1;min-width:0}.ablauf .file .fl b{font-size:11px;color:var(--teal);display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.ablauf .file .ok{flex:none;width:20px;height:20px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center}.ablauf .file .ok svg{width:12px;height:12px}
.ablauf .doc{display:flex;align-items:center;gap:8px;font-size:11.5px;color:var(--teal);font-weight:600;padding:4px 0}
.ablauf .doc .dc{flex:none;width:18px;height:18px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center}.ablauf .doc .dc svg{width:11px;height:11px}
.ablauf .sig svg.sg{width:100%;height:30px;color:var(--teal)}
.ablauf .badge{display:inline-flex;align-items:center;gap:5px;font-size:10.5px;font-weight:800;padding:4px 9px;border-radius:999px;margin-top:7px}
.ablauf .badge.g{color:#fff;background:var(--green)}
.ablauf .badge.y{color:var(--yellow-deep);background:#fff5e0}
.ablauf .big{font-size:20px;font-weight:900;color:var(--teal);margin-top:3px}

/* Bankpartner */
.bpart{padding:clamp(34px,5vw,64px) 0}
.bpart .bp-panel{background:linear-gradient(160deg,#00b85d,#00a651);border-radius:10px;padding:clamp(28px,4vw,52px);box-shadow:var(--shadow)}
.bpart .bp-head{max-width:680px;margin:0 0 clamp(22px,3vw,34px)}
.bpart .bp-head .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#eafff2;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.26);padding:6px 12px;border-radius:999px}
.bpart .bp-head h2,.bpart .bp-head h4{font-weight:700;font-size:clamp(26px,3vw,35px);line-height:1.12;letter-spacing:-.02em;color:#fff;margin:14px 0 0}
.bpart .bp-head .sub{color:rgba(255,255,255,.92);font-size:16px;line-height:1.6;margin:12px 0 0}
.bpart .bp-wall{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:760px){.bpart .bp-wall{grid-template-columns:1fr}}
.bpart .bp-tile{background:var(--card);border:1px solid rgba(255,255,255,.5);border-radius:10px;min-height:128px;display:grid;place-items:center;padding:24px;box-shadow:0 18px 40px rgba(0,43,56,.18);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.bpart .bp-tile:hover{transform:translateY(-5px);box-shadow:0 28px 56px rgba(0,43,56,.14)}
.bpart .bp-svg{display:block;width:auto;max-width:100%}
.bpart .bp-tile:nth-child(1) .bp-svg{height:40px}
.bpart .bp-tile:nth-child(2) .bp-svg{height:56px;border-radius:12px;overflow:hidden}
.bpart .bp-tile:nth-child(3) .bp-svg{height:28px}

/* Das Wichtigste zur Baufinanzierung — 4 Karten mit Mockups */
.wicht{padding:clamp(32px,5vw,68px) 0}
.wicht .head{max-width:760px;margin:0 0 clamp(22px,3vw,36px)}
.wicht .head .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.wicht .head h2,.wicht .head h3{font-weight:700;font-size:clamp(26px,3vw,35px);line-height:1.1;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.wicht .cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:1080px){.wicht .cards{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.wicht .cards{grid-template-columns:1fr}}
.wicht .c{background:#f0f3f2;border-radius:16px;padding:22px 20px;display:flex;flex-direction:column;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.wicht .c:hover{transform:translateY(-5px);box-shadow:0 24px 50px rgba(0,43,56,.12)}
.wicht .c:last-child{background:#fff5e0;border:1px solid #f6e3bd}
.wicht .c h3{font-size:18px;font-weight:700;color:var(--teal);letter-spacing:-.01em;margin:0}
.wicht .c p{color:var(--muted);font-size:13.5px;line-height:1.6;margin:8px 0 0}
.wicht .c .mock{margin-top:auto;padding-top:16px}
.wicht .mk{background:#fff;border:1px solid #eef1f0;border-radius:11px;padding:13px;box-shadow:0 8px 20px rgba(0,43,56,.05)}
.wicht .mk-h{font-size:11px;font-weight:700;color:var(--teal);margin-bottom:7px}
.wicht .mrow{display:flex;justify-content:space-between;align-items:center;font-size:11.5px;color:var(--muted);margin-top:6px}
.wicht .mrow .lab{font-weight:600}
.wicht .mrow b{color:var(--teal);font-weight:800;font-variant-numeric:tabular-nums}
.wicht .mrow b.big2{font-size:18px}
.wicht .bar{height:6px;border-radius:999px;background:#e6efe9;overflow:hidden;margin:5px 0 3px}
.wicht .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--green),#00c265)}
.wicht .scale{display:flex;justify-content:space-between;font-size:10px;color:#9aa7b2;margin-top:2px}
.wicht .doc{display:flex;align-items:center;gap:7px;font-size:11.5px;color:var(--teal);font-weight:600;padding:3px 0}
.wicht .doc .dc{flex:none;width:16px;height:16px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center}
.wicht .doc .dc svg{width:10px;height:10px}
.wicht .badge{display:inline-flex;align-items:center;gap:5px;font-size:10px;font-weight:800;padding:4px 9px;border-radius:999px;margin-top:9px}
.wicht .badge.g{color:#fff;background:var(--green)}
.wicht .badge.y{color:var(--yellow-deep);background:#fff5e0}
.wicht .advisor{display:flex;align-items:center;gap:8px;margin-top:10px;padding-top:10px;border-top:1px solid #eef1f0}
.wicht .advisor .ava{width:30px;height:30px;border-radius:50%;background:linear-gradient(135deg,var(--teal2),var(--teal));color:#fff;display:grid;place-items:center;font-weight:800;font-size:11px}
.wicht .advisor .who{display:flex;flex-direction:column;line-height:1.15}
.wicht .advisor .who b{font-size:11.5px;color:var(--teal)}
.wicht .advisor .who em{font-size:10px;color:var(--muted);font-style:normal}
.wicht .advisor .on{margin-left:auto;width:9px;height:9px;border-radius:50%;background:var(--green);box-shadow:0 0 0 3px rgba(0,166,81,.18)}

/* Ablauf — 5 Schritte (ohne Hintergrund, volle Breite, 3+2) */
.bauflow{padding:clamp(32px,5vw,68px) 0;color:var(--ink)}
.bauflow .panel{position:relative}
.bauflow .flow-head{max-width:760px;margin:0 0 clamp(24px,3vw,40px)}
.bauflow .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.bauflow .ey .dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(0,166,81,.18);animation:pulse 1.8s var(--ease) infinite}
.bauflow .flow-head h2,.bauflow .flow-head h3{font-weight:700;font-size:clamp(26px,3vw,35px);line-height:1.06;letter-spacing:-.02em;margin:16px 0 0;color:var(--teal)}
.bauflow .row{position:relative;z-index:2;display:grid;grid-template-columns:repeat(6,1fr);gap:clamp(14px,1.6vw,20px)}
.bauflow .st{grid-column:span 2}
.bauflow .st:nth-child(4),.bauflow .st:nth-child(5){grid-column:span 3}
@media(max-width:980px){.bauflow .row{grid-template-columns:1fr 1fr}.bauflow .st,.bauflow .st:nth-child(4),.bauflow .st:nth-child(5){grid-column:auto}}
@media(max-width:560px){.bauflow .row{grid-template-columns:1fr}}
.bauflow .st{position:relative;background:#fff;border:1px solid #d4dde4;border-radius:14px;padding:clamp(18px,1.8vw,24px);box-shadow:0 14px 32px rgba(0,43,56,.08);display:flex;flex-direction:column;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.bauflow .st:hover{transform:translateY(-6px);box-shadow:0 28px 56px rgba(0,43,56,.14)}
.bauflow .st .no{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;font-weight:900;font-size:17px;color:#fff;background:linear-gradient(135deg,#00b85d,#00a651);box-shadow:0 8px 20px rgba(0,166,81,.32)}
.bauflow .st .k{font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--green-d);margin-top:14px}
.bauflow .st h3{font-size:clamp(17px,1.4vw,20px);font-weight:800;color:var(--teal);letter-spacing:-.01em;margin:5px 0 0;line-height:1.2}
.bauflow .st p{color:var(--muted);font-size:13.5px;line-height:1.6;margin:9px 0 0}
.bauflow .st .mock{margin-top:auto;padding-top:15px}
.bauflow .mk{background:var(--paper);border:1px solid #e6eef0;border-radius:10px;padding:12px}
.bauflow .mk-h{font-size:11px;font-weight:700;color:var(--teal);margin-bottom:6px}
.bauflow .mrow{display:flex;justify-content:space-between;align-items:center;font-size:11.5px;color:var(--muted);margin-top:6px}
.bauflow .mrow .lab{font-weight:600}
.bauflow .mrow b{color:var(--teal);font-weight:800;font-variant-numeric:tabular-nums}
.bauflow .mrow b.big2{font-size:18px}
.bauflow .bar{height:6px;border-radius:999px;background:#e6efe9;overflow:hidden;margin:5px 0 3px}
.bauflow .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--green),#00c265)}
.bauflow .doc{display:flex;align-items:center;gap:7px;font-size:11.5px;color:var(--teal);font-weight:600;padding:3px 0}
.bauflow .doc .dc{flex:none;width:16px;height:16px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center}
.bauflow .doc .dc svg{width:10px;height:10px}
.bauflow .pillc{display:inline-flex;align-items:center;gap:5px;font-size:10.5px;font-weight:800;color:#04222b;background:#bff5d4;border-radius:999px;padding:4px 10px;margin-top:8px}

/* Unterlagen — Icon-Dokument-Karten */
.bdocs{padding:clamp(32px,5vw,68px) 0}
.bdocs .head{max-width:780px;margin:0 0 clamp(22px,3vw,36px)}
.bdocs .head .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.bdocs .head h2,.bdocs .head h4{font-weight:700;font-size:clamp(26px,3vw,35px);line-height:1.1;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.bdocs .head .sub{color:var(--muted);font-size:16px;line-height:1.6;margin:12px 0 0}
.bdocs .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(14px,1.8vw,20px)}
@media(max-width:920px){.bdocs .grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.bdocs .grid{grid-template-columns:1fr}}
.bdocs .c{position:relative;background:var(--card);border:1px solid var(--line2);border-radius:12px;padding:clamp(20px,2vw,26px);box-shadow:var(--shadow);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.bdocs .c:hover{transform:translateY(-4px);box-shadow:0 26px 52px rgba(0,43,56,.13)}
.bdocs .c .top{display:flex;align-items:center;gap:12px}
.bdocs .c .ic{flex:none;width:48px;height:48px;border-radius:13px;display:grid;place-items:center;background:#eef6f2;color:var(--green-d)}
.bdocs .c .ic svg{width:24px;height:24px}
.bdocs .c .no{margin-left:auto;font-size:13px;font-weight:900;color:#d4ddd9}
.bdocs .c h3,.bdocs .c h4{font-size:17px;font-weight:800;color:var(--teal);margin:14px 0 0;letter-spacing:-.01em}
.bdocs .c p{color:var(--muted);font-size:14px;line-height:1.6;margin:7px 0 0}
.bdocs .c.full{grid-column:1/-1;background:#fff5e0;border-color:#f6e3bd}
.bdocs .c.full .ic{background:#fff;color:var(--yellow-deep)}
.bdocs .c.full .tag{margin-left:auto;display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--yellow-deep);background:#fff;border:1px solid #f6e3bd;border-radius:999px;padding:4px 10px}

/* Über uns — Zahlen (Counter + animierte Balken) */
.ustats{padding:clamp(30px,4vw,60px) 0}
.ustats .head{max-width:720px;margin:0 0 clamp(20px,2.6vw,34px)}
.ustats .head .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.ustats .head h2{font-weight:700;font-size:clamp(24px,2.4vw,38px);line-height:1.12;letter-spacing:-.02em;color:var(--teal);margin:12px 0 0}
.ustats .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2vw,24px)}
@media(max-width:820px){.ustats .grid{grid-template-columns:1fr}}
.ustats .uc{background:var(--card);border:1px solid var(--line2);border-radius:16px;padding:clamp(24px,2.6vw,34px);box-shadow:var(--shadow);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.ustats .uc:hover{transform:translateY(-6px);box-shadow:0 30px 56px rgba(0,43,56,.14)}
.ustats .uc .top{display:flex;align-items:center;justify-content:space-between}
.ustats .uc .ic{width:48px;height:48px;border-radius:13px;background:#fff5e0;color:var(--yellow-deep);display:grid;place-items:center}
.ustats .uc .ic svg{width:24px;height:24px}
.ustats .uc .pct{font-size:13px;font-weight:800;color:var(--yellow-deep);background:#fff5e0;border-radius:999px;padding:4px 10px}
.ustats .uc .num{font-weight:900;font-size:clamp(44px,5vw,66px);letter-spacing:-.04em;line-height:1;margin-top:20px;font-variant-numeric:tabular-nums;background:linear-gradient(120deg,#002B38,#00A651);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.ustats .uc .lab{font-size:clamp(15.5px,1.3vw,17px);font-weight:800;color:var(--teal);margin-top:8px;line-height:1.25}
.ustats .uc .desc{font-size:13.5px;color:var(--muted);line-height:1.55;margin-top:9px}
.ustats .uc .bar{height:9px;border-radius:999px;background:#f0ece0;overflow:hidden;margin-top:18px}
.ustats .uc .bar i{display:block;height:100%;width:0;border-radius:999px;background:linear-gradient(90deg,#00A651,#002B38);transition:width 1.3s cubic-bezier(.22,.61,.36,1)}
.ustats .uc.reveal.in .bar i{width:var(--p)}

/* Über uns — Unser Prozess (Campfire-Stil + Mockups) */
.uproc{padding:clamp(32px,5vw,68px) 0}
.uproc .head{max-width:760px;margin:0 0 clamp(24px,3vw,40px)}
.uproc .head .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.uproc .head h2{font-weight:700;font-size:clamp(26px,3vw,30px);line-height:1.1;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.uproc .head p{color:var(--muted);font-size:16px;line-height:1.6;margin:12px 0 0}
.uproc .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(14px,1.6vw,20px)}
@media(max-width:1080px){.uproc .grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.uproc .grid{grid-template-columns:1fr}}
.uproc .pc{position:relative;background:#f0f3f2;border-radius:20px;padding:clamp(24px,2.4vw,30px);display:flex;flex-direction:column;min-height:clamp(380px,40vw,460px);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.uproc .pc:hover{transform:translateY(-6px);box-shadow:0 28px 56px rgba(0,43,56,.12)}
.uproc .pc .no{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:13px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;font-size:16px;font-weight:900;letter-spacing:-.02em;box-shadow:0 10px 22px rgba(0,166,81,.32)}
.uproc .pc h3{font-size:clamp(19px,1.6vw,17px);font-weight:600;color:var(--teal);letter-spacing:-.01em;margin:16px 0 0}
.uproc .pc p{color:var(--muted);font-size:14px;line-height:1.6;margin:12px 0 0}
.uproc .pc .mock{margin-top:auto;padding-top:24px}
.uproc .mk{background:#fff;border:1px solid #eef1f0;border-radius:14px;padding:15px;box-shadow:0 12px 26px rgba(0,43,56,.06)}
.uproc .mk-h{display:flex;align-items:center;justify-content:space-between;font-size:12px;font-weight:700;color:var(--teal);margin-bottom:11px}
.uproc .mrow{display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:var(--muted);margin-top:8px}
.uproc .mrow .lab{font-weight:600}
.uproc .mrow b{color:var(--teal);font-weight:800;font-variant-numeric:tabular-nums}
.uproc .bar{height:7px;border-radius:999px;background:#e6efe9;overflow:hidden;margin:6px 0 2px}
.uproc .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--green),#00c265)}
.uproc .chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:4px}
.uproc .chip{font-size:11px;font-weight:700;color:var(--teal);background:var(--paper);border:1px solid #e6eef0;border-radius:999px;padding:5px 10px}
.uproc .btn{display:flex;align-items:center;justify-content:center;gap:7px;background:var(--green);color:#fff;font-size:12.5px;font-weight:800;border-radius:9px;padding:9px;margin-top:12px}
.uproc .btn svg{width:14px;height:14px}
.uproc .badge{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:800;padding:5px 10px;border-radius:999px;margin-top:11px}
.uproc .badge.g{color:#fff;background:var(--green)}
.uproc .badge.gl{color:var(--green-d);background:#e2f3ea;border:1px solid #cdeada}
.uproc .badge svg{width:12px;height:12px}
.uproc .doc{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--teal);font-weight:600;padding:4px 0}
.uproc .doc .dc{flex:none;width:18px;height:18px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center}
.uproc .doc .dc svg{width:11px;height:11px}
.uproc .blist{display:grid;gap:6px;margin-top:2px}
.uproc .brow{display:flex;align-items:center;justify-content:space-between;font-size:12px;border:1px solid #eef1f0;border-radius:8px;padding:7px 10px;color:var(--muted)}
.uproc .brow.best{background:#eef6f2;border-color:#cdeada;color:var(--teal);font-weight:700}
.uproc .brow b{font-weight:800;color:var(--teal);font-variant-numeric:tabular-nums}
.uproc .brow .tag{font-size:9.5px;font-weight:800;color:#fff;background:var(--green);border-radius:999px;padding:2px 7px}
.uproc .big{font-size:22px;font-weight:900;color:var(--teal);font-variant-numeric:tabular-nums;margin-top:2px}

/* ===== Über uns — Bento (Volltext) ===== */
.uabout{padding:clamp(30px,4vw,60px) 0}
.uabout .bento{display:grid;grid-template-columns:1.7fr 1fr;grid-auto-rows:auto;gap:16px}
.uabout .cell{border:1px solid var(--line2);border-radius:10px;padding:clamp(26px,2.8vw,38px)}
.uabout .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.uabout .ey svg{width:14px;height:14px}
.uabout .hero{grid-row:span 3;background:linear-gradient(160deg,#063a48,#002b38);color:#fff;position:relative;overflow:hidden}
.uabout .hero::after{content:"";position:absolute;top:-20%;right:-15%;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(0,166,81,.32),transparent 64%);pointer-events:none}
.uabout .hero .inner{position:relative;z-index:2}
.uabout .hero .ey{color:#7ff0b6;background:rgba(0,166,81,.14);border-color:rgba(0,166,81,.28)}
.uabout .hero h2{font-weight:700;font-size:clamp(26px,2.5vw,30px);line-height:1.3;letter-spacing:-.03em;color:#fff;margin:16px 0 18px;max-width:700px}
.uabout .hero h2 .hl{color:#27d27e}
.uabout .hero p{margin:0 0 16px;font-size:clamp(15px,1.2vw,16.5px);line-height:1.72;color:#c3d6d6}
.uabout .hero p:last-child{margin-bottom:0}
.uabout .hero p strong{color:#fff;font-weight:600}
.uabout .hero .rating{margin-top:18px;color:#fff;text-decoration:none}
.uabout .mini{transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.uabout .mini:hover{transform:translateY(-5px);box-shadow:0 24px 48px rgba(0,43,56,.10)}
.uabout .mini .ic{width:42px;height:42px;border-radius:12px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;margin-bottom:14px}
.uabout .mini .ic svg{width:21px;height:21px}
.uabout .mini b{display:block;font-size:clamp(22px,2.4vw,30px);font-weight:900;letter-spacing:-.03em;line-height:1;background:linear-gradient(120deg,#002b38,#00a651);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.uabout .mini h3{margin:4px 0 0;font-size:15px;font-weight:800;color:var(--teal)}
.uabout .mini p{margin:7px 0 0;font-size:13.5px;line-height:1.55;color:var(--muted)}
@media(max-width:860px){.uabout .bento{grid-template-columns:1fr}.uabout .hero{grid-row:auto}}

/* ===== Team — Glass Spotlight ===== */
.uteam{padding:clamp(30px,4vw,60px) 0}
.uteam .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.uteam .ey svg{width:14px;height:14px}
.uteam .thead{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(24px,4vw,60px);align-items:end;margin-bottom:clamp(28px,3.4vw,46px)}
.uteam .thead h2{font-weight:900;font-size:clamp(28px,3.2vw,42px);line-height:1.1;letter-spacing:-.03em;color:var(--teal);margin:14px 0 0}
.uteam .thead h2 .hl{color:var(--green)}
.uteam .thead p{margin:0;font-size:clamp(15px,1.25vw,16.5px);line-height:1.7;color:var(--muted)}
@media(max-width:820px){.uteam .thead{grid-template-columns:1fr;align-items:start;gap:14px}}
.uteam .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media(max-width:1080px){.uteam .grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.uteam .grid{grid-template-columns:1fr}}
.uteam .m{position:relative;border-radius:18px;overflow:hidden;aspect-ratio:3/4;box-shadow:0 18px 42px rgba(0,43,56,.12)}
.uteam .m img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s var(--ease)}
.uteam .m:hover img{transform:scale(1.07)}
.uteam .panel{position:absolute;left:12px;right:12px;bottom:12px;background:rgba(255,255,255,.16);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.32);border-radius:14px;padding:15px 16px;color:#fff;transition:transform .45s var(--ease)}
.uteam .panel h3{margin:0;font-size:18px;font-weight:800;letter-spacing:-.01em}
.uteam .panel .loc{margin:7px 0 0;display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;color:#bbf3d4}
.uteam .panel .loc svg{width:14px;height:14px;flex:none}
.uteam .panel .rl{margin:0;font-size:12.5px;line-height:1.5;color:#e7f0ee;max-height:0;opacity:0;overflow:hidden;transition:max-height .5s var(--ease),opacity .4s var(--ease),margin .45s var(--ease)}
.uteam .m:hover .panel .rl{max-height:140px;opacity:1;margin-top:10px}
@media(max-width:560px){.uteam .panel .rl{max-height:140px;opacity:1;margin-top:10px}}

/* ===== Legal pages (Impressum / AGB / Datenschutz) ===== */
.legal{background:var(--paper);padding:clamp(30px,4vw,64px) 0}
.legal .head{max-width:880px;margin:0 auto clamp(22px,2.6vw,34px);text-align:center}
.legal .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.legal h1{font-weight:900;font-size:clamp(28px,3.6vw,44px);line-height:1.08;letter-spacing:-.03em;color:var(--teal);margin:14px 0 0}
.legal .head .sub{margin:12px 0 0;font-size:15px;color:var(--muted)}
.legal .doc{max-width:880px;margin:0 auto;background:var(--card);border:1px solid var(--line2);border-radius:10px;padding:clamp(24px,3.2vw,46px);box-shadow:var(--shadow)}
.legal .doc h2{font-size:clamp(19px,1.8vw,24px);font-weight:800;color:var(--teal);letter-spacing:-.01em;margin:30px 0 10px}
.legal .doc > h2:first-child{margin-top:0}
.legal .doc h3{font-size:16px;font-weight:800;color:var(--teal);margin:20px 0 8px}
.legal .doc p{font-size:15px;line-height:1.7;color:#324049;margin:10px 0}
.legal .doc ul{margin:10px 0;padding-left:20px}
.legal .doc li{font-size:15px;line-height:1.7;color:#324049;margin:5px 0}
.legal .doc a{color:var(--green-d);text-decoration:underline}
.legal .doc strong{color:var(--teal);font-weight:700}
.legal .grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:16px 0}
@media(max-width:640px){.legal .grid2{grid-template-columns:1fr}}
.legal .card{background:var(--paper);border:1px solid var(--line2);border-radius:10px;padding:16px 18px}
.legal .card b{display:block;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--green-d);margin-bottom:6px}
.legal .card span{display:block;font-size:14.5px;color:var(--ink);line-height:1.6}
.legal .updated{display:inline-block;margin-top:22px;padding-top:16px;border-top:1px solid var(--line2);font-size:13px;color:var(--muted);font-style:italic;width:100%}

/* ===== Kreditanfrage Formular ===== */
.kform{background:var(--paper);padding:clamp(24px,3.4vw,48px) 0 clamp(40px,6vw,80px)}
.kform .intro{text-align:left;max-width:760px;margin:0 0 clamp(24px,3vw,40px)}
.kform .intro .ic{width:60px;height:60px;border-radius:16px;background:#eaf7f0;color:var(--green-d);display:inline-grid;place-items:center;margin-bottom:14px}
.kform .intro .ic svg{width:30px;height:30px}
.kform .intro .ey{font-weight:900;font-size:clamp(22px,2.8vw,32px);color:var(--teal);letter-spacing:-.02em;display:block}
.kform .intro p{margin:10px 0 0;font-size:15.5px;color:var(--muted);line-height:1.6}
.kform .layout{display:grid;grid-template-columns:1.5fr 1fr;gap:clamp(20px,2.4vw,30px);align-items:start;max-width:1450px;margin:0 auto}
@media(max-width:900px){.kform .layout{grid-template-columns:1fr}}
.kform .panel{background:var(--card);border:1px solid var(--line2);border-radius:10px;padding:clamp(22px,3vw,40px);box-shadow:var(--shadow)}
.kform .panel h1{font-weight:900;font-size:clamp(22px,2.4vw,30px);color:var(--teal);letter-spacing:-.02em;margin:0 0 4px}
.kform .grp{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 13px;border-radius:999px;margin:26px 0 18px}
.kform .field{margin-bottom:18px}
.kform .field .lbl{display:block;font-size:14px;font-weight:700;color:var(--teal);margin:0 0 7px}
.kform .field .lbl span{color:var(--green)}
.kform .ipt{position:relative;display:flex;align-items:center}
.kform input.f,.kform select.f{width:100%;font:inherit;font-size:15px;color:var(--ink);background:#fff;border:1px solid var(--line2);border-radius:10px;padding:13px 46px 13px 14px;outline:none;transition:border-color .2s var(--ease),box-shadow .2s var(--ease)}
.kform select.f{appearance:none;-webkit-appearance:none;cursor:pointer}
.kform input.f:focus,.kform select.f:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(0,166,81,.14)}
.kform .ipt .fi{position:absolute;right:14px;color:var(--green-d);pointer-events:none;display:grid;place-items:center}
.kform .ipt .fi svg{width:20px;height:20px}
.kform .two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.kform .two{grid-template-columns:1fr}}
.kform .opts{display:flex;gap:12px;flex-wrap:wrap}
.kform .opt{flex:1;min-width:150px;display:flex;align-items:center;gap:10px;border:1px solid var(--line2);border-radius:10px;padding:12px 14px;cursor:pointer;transition:border-color .2s var(--ease),background .2s var(--ease)}
.kform .opt:hover{border-color:#cdeede}
.kform .opt:has(input:checked){border-color:var(--green);background:#f1faf5}
.kform .opt input{accent-color:var(--green);width:18px;height:18px;flex:none}
.kform .opt .oi{color:var(--green-d);display:grid;place-items:center}
.kform .opt .oi svg{width:20px;height:20px}
.kform .opt .t{font-size:14px;font-weight:600;color:var(--ink)}
.kform .checks{list-style:none;margin:8px 0 0;padding:0;display:grid;gap:13px}
.kform .checks label{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:#324049;cursor:pointer}
.kform .checks input{accent-color:var(--green);width:18px;height:18px;margin-top:1px;flex:none}
.kform .checks a{color:var(--green-d);text-decoration:underline}
.kform .send{display:inline-flex;align-items:center;gap:10px;margin-top:24px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;border:0;border-radius:10px;font-weight:800;font-size:15px;font-family:inherit;padding:15px 28px;cursor:pointer;box-shadow:0 14px 28px rgba(0,166,81,.28);transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.kform .send:hover{transform:translateY(-2px);box-shadow:0 20px 36px rgba(0,166,81,.38)}
.kform .send svg{width:16px;height:16px}
.kform .note{display:flex;gap:12px;align-items:center;margin-top:20px;background:var(--paper);border:1px solid var(--line2);border-radius:10px;padding:14px 16px}
.kform .note svg{width:26px;height:26px;color:var(--green-d);flex:none}
.kform .note p{margin:0;font-size:13px;color:var(--muted);line-height:1.5}
.kform .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.kform .side{display:grid;gap:16px;position:sticky;top:20px}
@media(max-width:900px){.kform .side{position:static}}
.kform .felix{background:linear-gradient(160deg,#063a48,#002b38);color:#fff;border-radius:10px;padding:22px;box-shadow:var(--shadow)}
.kform .felix .top{display:flex;align-items:center;gap:14px}
.kform .felix img{width:66px;height:66px;border-radius:50%;object-fit:cover;border:2px solid rgba(255,255,255,.25)}
.kform .felix h3{margin:0;font-size:18px;font-weight:800}
.kform .felix .role{font-size:13px;color:#9fd8c0}
.kform .felix p{margin:14px 0 0;font-size:14px;line-height:1.6;color:#c3d6d6}
.kform .felix .tl{list-style:none;margin:16px 0 0;padding:16px 0 0;border-top:1px solid rgba(255,255,255,.12);display:grid;gap:12px}
.kform .felix .tl li{display:flex;gap:11px;align-items:center;font-size:13.5px;font-weight:600;color:#e7f0ee}
.kform .felix .tl .tk{flex:none;width:24px;height:24px;border-radius:7px;background:rgba(0,166,81,.18);color:#27d27e;display:grid;place-items:center}
.kform .felix .tl .tk svg{width:14px;height:14px}
.kform .cbox{background:var(--card);border:1px solid var(--line2);border-radius:10px;padding:20px 22px;box-shadow:var(--shadow)}
.kform .cbox h3{margin:0 0 8px;font-size:16px;font-weight:800;color:var(--teal)}
.kform .cbox a{display:flex;align-items:center;gap:12px;padding:11px 0;font-size:14.5px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line2)}
.kform .cbox a:last-child{border-bottom:0}
.kform .cbox a:hover{color:var(--green-d)}
.kform .cbox .ci{width:36px;height:36px;border-radius:9px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;flex:none}
.kform .cbox .ci svg{width:18px;height:18px}

/* ===== Drei-Farben-Akzente · #eaf7f0 / #e7f2f5 / #fff3d6 (form.html) ===== */
/* Sektions-Pills: Kreditwunsch (grün) · Person (teal) · Bestätigung (amber) */
.kform .kf > .grp:nth-of-type(2){color:var(--blue-d);background:var(--t);border-color:#d3e6ec}
.kform .kf > .grp:nth-of-type(3){color:var(--amber-d);background:var(--a);border-color:#f0e2b6}
/* Auswahl-Optionen: getönte Icon-Kacheln */
.kform .opt .oi{width:36px;height:36px;border-radius:10px;background:var(--g);flex:none}
.kform .opts .opt:nth-of-type(1) .oi{background:var(--t);color:var(--blue-d)}
.kform .opts .opt:nth-of-type(2) .oi{background:var(--a);color:var(--amber-d)}
/* Kontakt-Icons in der Sidebar: grün · teal · amber */
.kform .cbox a:nth-of-type(1) .ci{background:var(--g);color:var(--green-d)}
.kform .cbox a:nth-of-type(2) .ci{background:var(--t);color:var(--blue-d)}
.kform .cbox a:nth-of-type(3) .ci{background:var(--a);color:var(--amber-d)}

/* ===== Dokumente hochladen (Anleitung + Dropzone-Grid) ===== */
.uload{background:var(--paper);padding:clamp(24px,3.4vw,48px) 0 clamp(40px,6vw,80px)}
.uload .lay{display:grid;grid-template-columns:1fr 1.15fr;gap:24px;align-items:start;max-width:1450px;margin:0 auto}
@media(max-width:920px){.uload .lay{grid-template-columns:1fr}}
.uload .info{display:grid;gap:18px}
.uload .ibox{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:24px;box-shadow:var(--shadow)}
.uload .ibox .ic{width:50px;height:50px;border-radius:13px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;margin-bottom:14px}
.uload .ibox .ic svg{width:26px;height:26px}
.uload .ibox h1,.uload .ibox h2{margin:0;font-weight:900;font-size:clamp(19px,1.9vw,23px);color:var(--teal);letter-spacing:-.02em;line-height:1.2}
.uload .ibox p{margin:10px 0 0;font-size:14px;color:var(--muted);line-height:1.6}
.uload .ibox .ph{margin:16px 0 10px;font-size:12.5px;font-weight:800;letter-spacing:.04em;color:var(--green-d);text-transform:uppercase}
.uload .ck{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.uload .ibox h2 + .ck{margin-top:16px}
.uload .ck li{display:flex;gap:11px;align-items:center;font-size:14px;color:#324049}
.uload .ck .n{flex:none;width:24px;height:24px;border-radius:7px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;font-size:12px;font-weight:800}
.uload .ibox.house{background:#fff8e1;border-color:#f5e3a8}
.uload .ibox.house .ic{background:#fdeec0;color:#a87b00}
.uload .ibox.house .ph{color:#a87b00}
.uload .ibox.house .ck .n{background:#fdeec0;color:#a87b00}
.uload .form{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:clamp(22px,2.6vw,34px);box-shadow:var(--shadow)}
.uload .form .hd{display:flex;align-items:center;gap:13px;margin-bottom:18px}
.uload .form .hd .ic{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;display:grid;place-items:center;flex:none}
.uload .form .hd .ic svg{width:24px;height:24px}
.uload .form .hd h3{margin:0;font-weight:900;font-size:20px;color:var(--teal);letter-spacing:-.02em}
.uload .form .hd span{font-size:13px;color:var(--muted)}
.uload .grp{display:inline-flex;align-items:center;gap:7px;font-size:11.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.uload .grp.y{color:#a87b00;background:#fff8e1;border-color:#f5e3a8}
.uload .inp{width:100%;font:inherit;font-size:15px;color:var(--ink);background:#fff;border:1px solid var(--line2);border-radius:10px;padding:13px 14px;outline:none;transition:border-color .2s var(--ease),box-shadow .2s var(--ease)}
.uload .inp:focus{border-color:var(--green);box-shadow:0 0 0 4px rgba(0,166,81,.13)}
.uload .two{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}
@media(max-width:520px){.uload .two{grid-template-columns:1fr}}
.uload .dzgrid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:6px}
@media(max-width:520px){.uload .dzgrid{grid-template-columns:1fr}}
.uload .dz{display:flex;flex-direction:column;align-items:center;text-align:center;gap:8px;border:2px dashed var(--line2);border-radius:12px;padding:18px 14px;cursor:pointer;transition:.25s var(--ease);background:var(--paper)}
.uload .dz:hover{border-color:var(--green);background:#f1faf5;transform:translateY(-2px)}
.uload .dz input{display:none}
.uload .dz .di{width:40px;height:40px;border-radius:11px;background:#fff;border:1px solid var(--line2);color:var(--green-d);display:grid;place-items:center}
/* ===== Drei-Farben-Akzente · #eaf7f0 / #e7f2f5 / #fff3d6 (upload-form.html) ===== */
.uload .dzgrid .dz:nth-child(3n+1) .di{background:var(--g);border-color:#cde9d9;color:var(--green-d)}
.uload .dzgrid .dz:nth-child(3n+2) .di{background:var(--t);border-color:#d3e6ec;color:var(--blue-d)}
.uload .dzgrid .dz:nth-child(3n+3) .di{background:var(--a);border-color:#f0e2b6;color:var(--amber-d)}
.uload .ibox:not(.house) .ck li:nth-child(3n+1) .n{background:var(--g);color:var(--green-d)}
.uload .ibox:not(.house) .ck li:nth-child(3n+2) .n{background:var(--t);color:var(--blue-d)}
.uload .ibox:not(.house) .ck li:nth-child(3n+3) .n{background:var(--a);color:var(--amber-d)}
.uload .dz .di svg{width:20px;height:20px}
.uload .dz b{font-size:13.5px;font-weight:700;color:var(--teal)}
.uload .dz small{font-size:11px;color:var(--muted)}
.uload .send{display:flex;width:100%;align-items:center;justify-content:center;gap:10px;margin-top:22px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;border:0;border-radius:11px;font-weight:800;font-size:15px;font-family:inherit;padding:15px 28px;cursor:pointer;box-shadow:0 14px 28px rgba(0,166,81,.28);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.uload .send:hover{transform:translateY(-2px);box-shadow:0 20px 38px rgba(0,166,81,.4)}
.uload .send svg{width:16px;height:16px}
.uload .dz-note{display:flex;gap:11px;align-items:center;margin-top:18px;background:var(--paper);border:1px solid var(--line2);border-radius:10px;padding:13px 15px}
.uload .dz-note svg{width:24px;height:24px;color:var(--green-d);flex:none}
.uload .dz-note span{font-size:13px;color:var(--muted)}
.uload .dz-note a{color:var(--green-d)}

/* ===== Danke / Bestätigung ===== */
.danke{background:var(--paper);padding:clamp(34px,5vw,72px) 0}
.danke .lay{display:grid;grid-template-columns:1.6fr 1fr;gap:24px;align-items:stretch;max-width:1450px;margin:0 auto}
@media(max-width:920px){.danke .lay{grid-template-columns:1fr}}
.danke .card{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:clamp(30px,4.5vw,60px) clamp(24px,4vw,52px);box-shadow:var(--shadow);text-align:center;position:relative;overflow:hidden;display:flex;flex-direction:column;align-items:center;justify-content:center}
.danke .card::after{content:"";position:absolute;top:-30%;right:-10%;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(0,166,81,.10),transparent 64%);pointer-events:none}
.danke .badge{width:96px;height:96px;border-radius:50%;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;display:grid;place-items:center;margin:0 auto;box-shadow:0 18px 40px rgba(0,166,81,.34);position:relative;z-index:2;animation:dpop .55s var(--ease) both}
.danke .badge svg{width:48px;height:48px}
.danke .badge::before{content:"";position:absolute;inset:-11px;border-radius:50%;border:2px solid rgba(0,166,81,.22)}
@keyframes dpop{0%{transform:scale(.4);opacity:0}60%{transform:scale(1.08)}100%{transform:scale(1);opacity:1}}
.danke .ey{position:relative;z-index:2;display:inline-block;margin-top:22px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.danke h1{position:relative;z-index:2;font-weight:900;font-size:clamp(32px,5vw,52px);letter-spacing:-.03em;color:var(--teal);margin:16px 0 0;line-height:1.05}
.danke .card p{position:relative;z-index:2;max-width:560px;margin:16px auto 0;font-size:16px;line-height:1.7;color:var(--muted)}
.danke .cta{position:relative;z-index:2;display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:28px}
.danke .bp{display:inline-flex;align-items:center;gap:9px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;border-radius:11px;font-weight:800;font-size:15px;padding:14px 24px;text-decoration:none;box-shadow:0 14px 28px rgba(0,166,81,.28);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.danke .bp:hover{transform:translateY(-2px);box-shadow:0 20px 38px rgba(0,166,81,.4)}
.danke .bs{display:inline-flex;align-items:center;gap:9px;background:#fff;color:var(--teal);border:1px solid var(--line2);border-radius:11px;font-weight:800;font-size:15px;padding:14px 24px;text-decoration:none;transition:.25s var(--ease)}
.danke .bs:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:0 10px 22px rgba(0,43,56,.08)}
.danke .bp svg,.danke .bs svg{width:16px;height:16px}
.danke .felix{background:linear-gradient(160deg,#063a48,#002b38);color:#fff;border-radius:14px;padding:22px;box-shadow:var(--shadow)}
.danke .felix .top{display:flex;align-items:center;gap:14px}
.danke .felix img{width:66px;height:66px;border-radius:50%;object-fit:cover;border:2px solid rgba(255,255,255,.25)}
.danke .felix h3{margin:0;font-size:18px;font-weight:800}
.danke .felix .role{font-size:13px;color:#9fd8c0}
.danke .felix p{margin:14px 0 0;font-size:14px;line-height:1.6;color:#c3d6d6}
.danke .felix .tl{list-style:none;margin:16px 0 0;padding:16px 0 0;border-top:1px solid rgba(255,255,255,.12);display:grid;gap:12px}
.danke .felix .tl li{display:flex;gap:11px;align-items:center;font-size:13.5px;font-weight:600;color:#e7f0ee}
.danke .felix .tl .tk{flex:none;width:24px;height:24px;border-radius:7px;background:rgba(0,166,81,.18);color:#27d27e;display:grid;place-items:center}
.danke .felix .tl .tk svg{width:14px;height:14px}
.danke .cbox{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:20px 22px;box-shadow:var(--shadow);margin-top:16px}
.danke .cbox h3{margin:0 0 8px;font-size:16px;font-weight:800;color:var(--teal)}
.danke .cbox a{display:flex;align-items:center;gap:12px;padding:11px 0;font-size:14.5px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line2)}
.danke .cbox a:last-child{border-bottom:0}
.danke .cbox a:hover{color:var(--green-d)}
.danke .cbox .ci{width:36px;height:36px;border-radius:9px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;flex:none}
.danke .cbox .ci svg{width:18px;height:18px}
/* ===== Drei-Farben-Akzente · #eaf7f0 / #e7f2f5 / #fff3d6 (danke.html) ===== */
.danke .cbox a:nth-of-type(1) .ci{background:var(--g);color:var(--green-d)}
.danke .cbox a:nth-of-type(2) .ci{background:var(--t);color:var(--blue-d)}
.danke .cbox a:nth-of-type(3) .ci{background:var(--a);color:var(--amber-d)}

/* ===== Modernisieren — Icon Feature Cards ===== */
.modfeat{padding:clamp(30px,4vw,64px) 0}
.modfeat .head{max-width:780px;margin:0 0 clamp(26px,3.4vw,44px)}
.modfeat .head .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.modfeat .head h2{font-weight:700;font-size:clamp(26px,3.2vw,35px);line-height:1.1;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.modfeat .head .sub{margin:12px 0 0;font-size:clamp(15px,1.25vw,16px);line-height:1.6;color:var(--muted)}
.modfeat .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.modfeat .grid3{grid-template-columns:1fr}}
.modfeat .c{position:relative;background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:28px;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.modfeat .c:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.modfeat .c .ic{width:54px;height:54px;border-radius:14px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;margin-bottom:16px}
.modfeat .c .ic svg{width:27px;height:27px}
.modfeat .c .lbl{font-size:11.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-d)}
.modfeat .c h3{margin:8px 0 0;font-size:20px;font-weight:800;color:var(--teal);letter-spacing:-.01em;line-height:1.25}
.modfeat .c p{margin:11px 0 0;font-size:14px;line-height:1.65;color:var(--muted)}
.modfeat .flist{list-style:none;margin:14px 0 0;padding:14px 0 0;border-top:1px solid var(--line2);display:grid;gap:10px}
.modfeat .flist li{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:#33454c}
.modfeat .flist .tk{flex:none;width:20px;height:20px;border-radius:6px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;margin-top:1px}
.modfeat .flist .tk svg{width:12px;height:12px}

/* ===== Kreditarten-Vergleich — Header-Strip Cards ===== */
.credtypes{padding:clamp(30px,4vw,64px) 0;background:var(--paper)}
.credtypes .chead{max-width:820px;margin:0 0 clamp(26px,3.4vw,44px)}
.credtypes .chead .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.credtypes .chead h2,.credtypes .chead h3{font-weight:700;font-size:clamp(25px,3vw,35px);line-height:1.12;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.credtypes .cgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.credtypes .cgrid{grid-template-columns:1fr}}
.credtypes .ct{--ac:var(--green);--ac-d:var(--green-d);--ac-bg:#eaf7f0;display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line2);border-radius:14px;overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.credtypes .ct:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.credtypes .ct.s{--ac:#0b6f86;--ac-d:#0b6f86;--ac-bg:#e7f2f5}
.credtypes .ct.r{--ac:#f2a900;--ac-d:#a87b00;--ac-bg:#fff3d6}
.credtypes .ct .strip{background:var(--ac-bg);padding:20px 24px;display:flex;align-items:center;gap:13px}
.credtypes .ct .strip .ic{width:46px;height:46px;border-radius:12px;background:#fff;color:var(--ac-d);display:grid;place-items:center;flex:none;box-shadow:0 6px 14px rgba(0,43,56,.08)}
.credtypes .ct .strip .ic svg{width:23px;height:23px}
.credtypes .ct .strip h3{margin:0;font-size:18px;font-weight:800;color:var(--teal)}
.credtypes .ct .strip .bdg{margin-top:3px;display:inline-block;font-size:10.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--ac-d)}
.credtypes .ct .bd{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.credtypes .ct .bd p{margin:0;font-size:14px;line-height:1.65;color:var(--muted)}
.credtypes .ct .bd .key{margin-top:auto;padding-top:16px;display:flex;gap:9px;align-items:center;font-size:13px;font-weight:700;color:var(--teal)}
.credtypes .ct .bd .key svg{width:17px;height:17px;color:var(--ac-d);flex:none}

/* ===== Was zählt als Modernisierung — Definition + Kacheln ===== */
.modlegal{background:var(--paper);padding:clamp(30px,4vw,64px) 0}
.modlegal .para{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.04em;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 13px;border-radius:999px}
.modlegal .top{max-width:820px;margin:0 0 clamp(24px,3vw,38px)}
.modlegal .top h3,.modlegal .top h4{font-weight:900;font-size:clamp(24px,3vw,36px);line-height:1.12;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.modlegal .top p{margin:14px 0 0;font-size:15px;line-height:1.7;color:#33454c}
.modlegal .warn{display:flex;gap:11px;align-items:flex-start;background:#fff5e8;border:1px solid #f6dcb4;border-radius:12px;padding:14px 16px;margin-top:16px;max-width:760px}
.modlegal .warn svg{width:22px;height:22px;color:#c47d00;flex:none;margin-top:1px}
.modlegal .warn span{font-size:13.5px;line-height:1.55;color:#6b4e16}
.modlegal .warn b{color:#8a5d00}
.modlegal .tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:980px){.modlegal .tiles{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.modlegal .tiles{grid-template-columns:1fr}}
.modlegal .tile{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:22px 20px;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.modlegal .tile:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.modlegal .tile .ic{width:48px;height:48px;border-radius:13px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;margin-bottom:13px;transition:.3s var(--ease)}
.modlegal .tile:hover .ic{background:linear-gradient(135deg,#00b85d,#00a651);color:#fff}
.modlegal .tile .ic svg{width:24px;height:24px}
.modlegal .tile p{margin:0;font-size:13.5px;font-weight:600;color:var(--teal);line-height:1.4}
.modlegal .tile.more{background:#eef6f2;border-color:#cdeede;display:flex;align-items:center}
.modlegal .tile.more p{color:var(--green-d)}

/* ===== Ratenkredit — einfache Seite ===== */
.rkhero{background:var(--paper);padding:clamp(34px,5vw,68px) 0;border-bottom:1px solid var(--line2)}
.rkhero .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.rkhero h1{font-weight:700;font-size:clamp(30px,4.4vw,52px);line-height:1.05;letter-spacing:-.03em;color:var(--teal);margin:14px 0 0}
.rkhero .lead{margin:16px 0 0;font-size:clamp(15.5px,1.4vw,18px);line-height:1.65;color:var(--muted);max-width:780px}
.rkhero .chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.rkhero .chip{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:var(--teal);background:var(--card);border:1px solid var(--line2);padding:9px 14px;border-radius:999px}
.rkhero .chip svg{width:15px;height:15px;color:var(--green)}
.rkhero .cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.rkhero .bp{display:inline-flex;align-items:center;gap:9px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;border-radius:11px;font-weight:800;font-size:15px;padding:14px 24px;text-decoration:none;box-shadow:0 14px 28px rgba(0,166,81,.28);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.rkhero .bp:hover{transform:translateY(-2px);box-shadow:0 20px 38px rgba(0,166,81,.4)}
.rkhero .bs{display:inline-flex;align-items:center;gap:9px;background:var(--card);color:var(--teal);border:1px solid var(--line2);border-radius:11px;font-weight:800;font-size:15px;padding:14px 24px;text-decoration:none;transition:.25s var(--ease)}
.rkhero .bs:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:0 10px 22px rgba(0,43,56,.08)}
.rkhero .bp svg,.rkhero .bs svg{width:16px;height:16px}
.rkhero .grid{display:grid;grid-template-columns:1.25fr .85fr;gap:clamp(28px,4vw,60px);align-items:center}
@media(max-width:860px){.rkhero .grid{grid-template-columns:1fr}}
.rkhero .grid .lead{max-width:560px}
.rkhero .facts{background:var(--card);border:1px solid var(--line2);border-radius:16px;padding:26px;box-shadow:var(--shadow)}
.rkhero .facts .ft{display:flex;align-items:center;gap:14px;padding:14px 0;border-top:1px solid var(--line2)}
.rkhero .facts .ft:first-child{padding-top:0;border-top:0}
.rkhero .facts .ft:last-child{padding-bottom:0}
.rkhero .facts .ic{width:42px;height:42px;border-radius:11px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;flex:none}
.rkhero .facts .ic svg{width:21px;height:21px}
.rkhero .facts b{display:block;font-size:16px;color:var(--teal);font-weight:800;letter-spacing:-.01em}
.rkhero .facts span{font-size:13px;color:var(--muted)}
.rkembed{padding:clamp(30px,4vw,60px) 0;background:var(--paper)}
.rkembed .head{text-align:left;max-width:780px;margin:0 0 clamp(20px,2.6vw,34px)}
.rkembed .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.rkembed h2{font-weight:700;font-size:clamp(24px,2.0vw,35px);line-height:1.12;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.rkembed .sub{margin:12px 0 0;font-size:15px;color:var(--muted)}
.rkembed .box{max-width:920px;margin:0 auto}
.rkembed .box iframe{width:100%;border:0;display:block}

/* ===== Kontakt ===== */
.kontakt{background:var(--paper);padding:clamp(28px,3.6vw,52px) 0 clamp(40px,6vw,80px)}
.kontakt .khead{max-width:880px;margin:0 0 clamp(22px,3vw,38px)}
.kontakt .ey{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:7px 14px;border-radius:999px}
.kontakt .khead h1{font-weight:900;font-size:clamp(23px,2.8vw,36px);line-height:1.18;letter-spacing:-.02em;color:var(--teal);margin:14px 0 0}
.kontakt .layout{display:grid;grid-template-columns:1.5fr 1fr;gap:clamp(20px,2.4vw,30px);align-items:start}
@media(max-width:900px){.kontakt .layout{grid-template-columns:1fr}}
.kontakt .panel{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:clamp(22px,3vw,34px);box-shadow:var(--shadow)}
.kontakt .panel h2{font-weight:900;font-size:20px;color:var(--teal);letter-spacing:-.02em;margin:0 0 18px}
.kontakt .field{margin-bottom:16px}
.kontakt .field .lbl{display:block;font-size:14px;font-weight:700;color:var(--teal);margin:0 0 7px}
.kontakt .field .lbl span{color:var(--green)}
.kontakt .opts{display:flex;gap:10px;flex-wrap:wrap}
.kontakt .opt{display:inline-flex;align-items:center;gap:9px;border:1px solid var(--line2);border-radius:10px;padding:12px 16px;cursor:pointer;font-size:14px;font-weight:600;color:var(--ink);transition:border-color .2s var(--ease),background .2s var(--ease)}
.kontakt .opt:hover{border-color:#bfe7d2}
.kontakt .opt:has(input:checked){border-color:var(--green);background:#f1faf5}
.kontakt .opt input{accent-color:var(--green);width:17px;height:17px;flex:none}
.kontakt .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.kontakt .two{grid-template-columns:1fr}}
.kontakt .ipt{position:relative;display:flex;align-items:center}
.kontakt .f,.kontakt textarea.f,.kontakt select.f{width:100%;font:inherit;font-size:15px;color:var(--ink);background:#fff;border:1px solid var(--line2);border-radius:10px;padding:13px 14px;outline:none;transition:border-color .2s var(--ease),box-shadow .2s var(--ease)}
.kontakt select.f{appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:44px}
.kontakt textarea.f{min-height:140px;resize:vertical;line-height:1.6}
.kontakt .f:focus,.kontakt textarea.f:focus,.kontakt select.f:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(0,166,81,.14)}
.kontakt .ipt .chev{position:absolute;right:14px;color:var(--green-d);pointer-events:none;display:grid;place-items:center}
.kontakt .ipt .chev svg{width:20px;height:20px}
.kontakt .checks{list-style:none;margin:6px 0 0;padding:0}
.kontakt .checks label{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:#324049;cursor:pointer}
.kontakt .checks input{accent-color:var(--green);width:18px;height:18px;margin-top:1px;flex:none}
.kontakt .checks a{color:var(--green-d);text-decoration:underline}
.kontakt .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.kontakt .send{display:inline-flex;align-items:center;gap:10px;margin-top:22px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;border:0;border-radius:11px;font-weight:800;font-size:15px;font-family:inherit;padding:15px 28px;cursor:pointer;box-shadow:0 14px 28px rgba(0,166,81,.28);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.kontakt .send:hover{transform:translateY(-2px);box-shadow:0 20px 38px rgba(0,166,81,.4)}
.kontakt .send svg{width:16px;height:16px}
.kontakt .side{display:grid;gap:16px;position:sticky;top:18px}
@media(max-width:900px){.kontakt .side{position:static}}
.kontakt .info{background:var(--card);border:1px solid var(--line2);border-radius:14px;padding:24px;box-shadow:var(--shadow)}
.kontakt .info .ir{display:flex;gap:13px;align-items:flex-start;padding:15px 0;border-top:1px solid var(--line2)}
.kontakt .info .ir:first-child{padding-top:0;border-top:0}
.kontakt .info .ir:last-child{padding-bottom:0}
.kontakt .info .ic{width:40px;height:40px;border-radius:11px;background:#eaf7f0;color:var(--green-d);display:grid;place-items:center;flex:none}
.kontakt .info .ic svg{width:20px;height:20px}
.kontakt .info b{display:block;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--green-d);margin-bottom:3px}
.kontakt .info .v,.kontakt .info a{font-size:14.5px;color:var(--ink);font-weight:600;text-decoration:none;line-height:1.45}
.kontakt .info a:hover{color:var(--green-d)}

/* ===== Für Hausbesitzer — Zwei Karten (getönt + Bild) ===== */
.haus2{background:var(--paper);padding:clamp(30px,4vw,64px) 0}
.haus2 .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(20px,2.4vw,30px);align-items:stretch}
@media(max-width:900px){.haus2 .grid{grid-template-columns:1fr}}
.haus2 .col{display:flex;flex-direction:column;justify-content:center;min-width:0}
.haus2 .panel{background:linear-gradient(165deg,#fff,#e7f2f5);border:1px solid #d7e8ec;border-radius:14px;padding:clamp(26px,3vw,40px);box-shadow:var(--shadow);height:100%}
.haus2 .ey{display:inline-flex;align-self:flex-start;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--green-d);background:#eaf7f0;border:1px solid #d4ecdd;padding:7px 14px;border-radius:999px}
.haus2 h2,.haus2 h3{font-weight:800;font-size:clamp(25px,2.9vw,30px);line-height:1.2;letter-spacing:-.02em;color:var(--teal);margin:16px 0 0}
.haus2 p{margin:16px 0 0;font-size:clamp(15px,1.2vw,16px);line-height:1.5;color:#33454c}
.haus2 .tiles{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-top:22px}
@media(max-width:560px){.haus2 .tiles{grid-template-columns:1fr}}
.haus2 .tile{border-radius:12px;padding:15px 16px}
.haus2 .tile.g{background:#eaf7f0} .haus2 .tile.t{background:#e7f2f5} .haus2 .tile.a{background:#fff3d6}
.haus2 .tile .ic{width:32px;height:32px;border-radius:9px;background:#fff;display:grid;place-items:center;margin-bottom:9px}
.haus2 .tile.g .ic{color:var(--green-d)} .haus2 .tile.t .ic{color:#0b6f86} .haus2 .tile.a .ic{color:#a87b00}
.haus2 .tile .ic svg{width:17px;height:17px}
.haus2 .tile b{display:block;font-size:clamp(17px,1.7vw,21px);font-weight:900;letter-spacing:-.02em;line-height:1.05}
.haus2 .tile.g b{color:var(--green-d)} .haus2 .tile.t b{color:#0b6f86} .haus2 .tile.a b{color:#a87b00}
.haus2 .tile span{display:block;margin-top:5px;font-size:12px;color:#4b5a61;line-height:1.35;font-weight:600}
.haus2 .btns{display:flex;flex-wrap:nowrap;gap:10px;margin-top:24px}
.haus2 .btns .bp,.haus2 .btns .bs{white-space:nowrap;padding:13px 18px;font-size:14px}
@media(max-width:600px){.haus2 .btns{flex-wrap:wrap}}
.haus2 .bp{display:inline-flex;align-items:center;gap:9px;background:linear-gradient(135deg,#00b85d,#00a651);color:#fff;border-radius:11px;font-weight:800;font-size:15px;padding:14px 22px;text-decoration:none;box-shadow:0 14px 28px rgba(0,166,81,.28);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.haus2 .bp:hover{transform:translateY(-2px);box-shadow:0 20px 38px rgba(0,166,81,.4)}
.haus2 .bp svg{width:16px;height:16px}
.haus2 .bs{display:inline-flex;align-items:center;gap:9px;background:var(--card);color:var(--teal);border:1px solid var(--line2);border-radius:11px;font-weight:800;font-size:15px;padding:14px 22px;text-decoration:none;transition:.25s var(--ease)}
.haus2 .bs:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:0 10px 22px rgba(0,43,56,.08)}
.haus2 .shot{border-radius:14px;overflow:hidden;box-shadow:var(--shadow);position:relative;min-height:clamp(340px,38vw,100%)}
.haus2 .shot img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.haus2 .shot::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(0,43,56,.34));pointer-events:none}
.haus2 .shot .cap{position:absolute;left:18px;right:18px;bottom:16px;z-index:2;color:#fff;font-weight:700;font-size:15px;text-shadow:0 2px 10px rgba(0,20,26,.4)}
@media(max-width:900px){.haus2 .shot{min-height:300px}}

/* ---------------- "DAS WICHTIGSTE IN KÜRZE" — getönte Sektion + Icon-Karten ---------------- */
.wktg{padding:clamp(30px,4vw,56px) 0}
.wktg .head{margin-bottom:24px;max-width:760px}
.wktg .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.wktg .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:currentColor}
.wktg h3{margin:12px 0 0;font-weight:700;font-size:clamp(23px,2.0vw,35px);line-height:1.16;letter-spacing:-.02em;color:var(--teal)}
.wktg ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:820px){.wktg ul{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.wktg ul{grid-template-columns:1fr}}
.wktg li{background:#fff;border:1px solid rgba(0,43,56,.06);border-radius:12px;padding:24px;display:flex;flex-direction:column;gap:12px;box-shadow:0 10px 26px rgba(0,43,56,.06)}
.wktg li .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;flex:0 0 auto}
.wktg li .ic svg{width:23px;height:23px;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;fill:none}
.wktg li:nth-child(3n+1) .ic{background:var(--g);color:var(--green-d)}
.wktg li:nth-child(3n+2) .ic{background:var(--t);color:var(--blue-d)}
.wktg li:nth-child(3n+3) .ic{background:var(--a);color:var(--amber-d)}
.wktg li .li-txt{font-size:15px;line-height:1.6;color:#3a4d54}
.wktg li .li-txt b{color:var(--teal);font-weight:700}
.wktg li.wide{grid-column:span 2}
@media(max-width:560px){.wktg li.wide{grid-column:span 1}}
.wktg.cols2 ul{grid-template-columns:repeat(2,1fr)}
@media(max-width:560px){.wktg.cols2 ul{grid-template-columns:1fr}}

/* "DAS WICHTIGSTE" — weiße Mock-Cards (Campfire-Stil) */
.wkmock{padding:clamp(28px,4vw,52px) 0}
.wkmock .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.wkmock .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green)}
.wkmock .head{max-width:840px;margin-bottom:28px}
.wkmock h3{margin:12px 0 0;font-weight:700;font-size:clamp(23px,2.0vw,35px);line-height:1.14;letter-spacing:-.02em;color:var(--teal)}
.wkmock .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:1040px){.wkmock .grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.wkmock .grid{grid-template-columns:1fr}}
.wkmock .fc{background:#fff;border:1px solid var(--line2);border-radius:18px;padding:26px;display:flex;flex-direction:column;box-shadow:0 14px 34px rgba(0,43,56,.06)}
.wkmock .fc .kick{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:9px}
.wkmock .fc:nth-child(4n+1) .kick{color:var(--green-d)} .wkmock .fc:nth-child(4n+2) .kick{color:var(--blue-d)} .wkmock .fc:nth-child(4n+3) .kick{color:var(--amber-d)} .wkmock .fc:nth-child(4n+4) .kick{color:var(--green-d)}
.wkmock .fc h4{margin:0;font-size:18px;font-weight:800;color:var(--teal);letter-spacing:-.01em;line-height:1.2}
.wkmock .fc>p{margin:9px 0 0;font-size:13.5px;line-height:1.55;color:#3a4d54}
.wkmock .fc>p b{color:var(--teal);font-weight:700}
.wkmock .fc .mock{margin-top:auto;padding-top:20px}
.wkmock .mk{background:var(--paper);border:1px solid var(--line2);border-radius:12px;padding:14px}
.wkmock .mk-h{font-size:11px;font-weight:800;color:var(--teal);text-transform:uppercase;letter-spacing:.03em;margin-bottom:9px}
.wkmock .brow{display:flex;align-items:center;gap:9px;font-size:12.5px;padding:6px 0}
.wkmock .brow .dotc{width:9px;height:9px;border-radius:50%;flex:0 0 auto}
.wkmock .brow .dotc.old{background:#c2ccca} .wkmock .brow .dotc.new{background:var(--green)}
.wkmock .brow .lab{color:var(--muted)} .wkmock .brow b{margin-left:auto;font-weight:700;color:var(--teal)}
.wkmock .brow b.old{color:#9aa6a3;text-decoration:line-through} .wkmock .brow b.ok{color:var(--green-d)}
.wkmock .swapline{display:grid;place-items:center;height:24px}
.wkmock .swapline span{width:26px;height:26px;border-radius:50%;background:var(--t);color:var(--blue-d);display:grid;place-items:center}
.wkmock .swapline svg{width:14px;height:14px}
.wkmock .rrow{display:flex;align-items:center;justify-content:space-between;font-size:12.5px;padding:7px 0;border-top:1px solid #e7eeeb}
.wkmock .rrow:first-of-type{border-top:0}
.wkmock .rrow .lab{color:var(--muted)} .wkmock .rrow b{font-weight:700;color:var(--teal)}
.wkmock .rrow.best b{color:var(--green-d)}
.wkmock .pill{display:inline-flex;align-items:center;gap:6px;font-size:10.5px;font-weight:800;background:var(--g);color:var(--green-d);padding:6px 10px;border-radius:999px;margin-top:9px}
.wkmock .pill svg{width:11px;height:11px}
.wkmock .big{font-size:30px;font-weight:900;letter-spacing:-.03em;color:var(--green-d);line-height:1}
.wkmock .bar{height:8px;border-radius:999px;background:#e7eeeb;overflow:hidden;margin-top:10px}
.wkmock .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,#00a651,#002b38)}
.wkmock .muted{font-size:11.5px;color:var(--muted);margin-top:8px}
.wkmock .tline{position:relative;height:8px;border-radius:999px;background:#e7eeeb;margin:14px 0 8px}
.wkmock .tline i{position:absolute;left:0;top:0;bottom:0;width:62%;border-radius:999px;background:linear-gradient(90deg,var(--green),var(--blue-d))}
.wkmock .tline .mk-dot{position:absolute;top:50%;left:62%;width:13px;height:13px;border-radius:50%;background:#fff;border:3px solid var(--amber-d);transform:translate(-50%,-50%)}
.wkmock .tends{display:flex;justify-content:space-between;font-size:10.5px;color:var(--muted)}

/* "UNTERSCHIED UMSCHULDUNG vs PROLONGATION" — VS-Layout · weiße Karten · getönte Icons */
.unters{padding:clamp(28px,4vw,52px) 0}
.unters .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.unters .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green)}
.unters .head{margin-bottom:26px;max-width:820px}
.unters h2,.unters .head h4{margin:12px 0 0;font-weight:700;font-size:clamp(25px,2.0vw,35px);line-height:1.14;letter-spacing:-.02em;color:var(--teal)}
.unters .vsrow{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:stretch}
@media(max-width:760px){.unters .vsrow{grid-template-columns:1fr}}
.unters .vs{display:grid;place-items:center}
.unters .vs span{width:50px;height:50px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-weight:900;font-size:15px;box-shadow:0 12px 26px rgba(0,43,56,.22)}
@media(max-width:760px){.unters .vs span{margin:0 auto}}
.unters .cc{background:#fff;border:1px solid var(--line2);border-radius:18px;padding:28px;display:flex;flex-direction:column;position:relative;box-shadow:0 14px 34px rgba(0,43,56,.05)}
.unters .cc .ic{width:56px;height:56px;border-radius:15px;display:grid;place-items:center;margin-bottom:16px}
.unters .cc .ic svg{width:28px;height:28px;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;fill:none}
.unters .cc h3,.unters .cc h5{margin:0;font-size:20px;font-weight:700;color:var(--teal);letter-spacing:-.01em}
.unters .cc>p{margin:10px 0 0;font-size:14.5px;line-height:1.6;color:#33454c;flex:1}
.unters .cc>p b{color:var(--teal);font-weight:700}
.unters .cc .sumc{margin-top:16px;display:flex;align-items:flex-start;gap:10px;font-size:13.5px;line-height:1.5;font-weight:600;padding-top:14px;border-top:1px dashed rgba(0,43,56,.15)}
.unters .cc .sumc .si{width:22px;height:22px;border-radius:7px;display:grid;place-items:center;flex:0 0 auto;margin-top:1px}
.unters .cc .sumc .si svg{width:13px;height:13px}
.unters .cc .tagpill{position:absolute;top:18px;right:18px;font-size:11px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;padding:5px 11px;border-radius:999px}
.unters .cc.prol .ic{background:var(--t);color:var(--blue-d)} .unters .cc.prol .sumc{color:var(--amber-d)} .unters .cc.prol .sumc .si{background:var(--a);color:var(--amber-d)}
.unters .cc.ums .ic{background:var(--g);color:var(--green-d)} .unters .cc.ums .sumc{color:var(--green-d)} .unters .cc.ums .sumc .si{background:var(--g);color:var(--green-d)}
.unters .cc.ums .tagpill{background:var(--green);color:#fff}

/* "WANN LOHNT SICH" — 2×2 weiße Karten · getönte Icons */
.wannl{padding:clamp(28px,4vw,52px) 0}
.wannl .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.wannl .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green)}
.wannl .head{margin-bottom:26px;max-width:840px}
.wannl h2,.wannl .head h5{margin:12px 0 0;font-weight:700;font-size:clamp(25px,2.0vw,35px);line-height:1.13;letter-spacing:-.02em;color:var(--teal)}
.wannl .grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:760px){.wannl .grid{grid-template-columns:1fr}}
.wannl .c{background:#fff;border:1px solid var(--line2);border-radius:16px;padding:28px;box-shadow:0 12px 30px rgba(0,43,56,.05)}
.wannl .c .ic{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:16px}
.wannl .c .ic svg{width:26px;height:26px;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;fill:none}
.wannl .c h3,.wannl .c h6{margin:0;font-size:19px;font-weight:700;color:var(--teal);letter-spacing:-.01em;line-height:1.22}
.wannl .c p{margin:12px 0 0;font-size:14.5px;line-height:1.62;color:#33454c}
.wannl .c p b{color:var(--teal);font-weight:700}
.wannl .c:nth-child(4n+1) .ic{background:var(--g);color:var(--green-d)}
.wannl .c:nth-child(4n+2) .ic{background:var(--t);color:var(--blue-d)}
.wannl .c:nth-child(4n+3) .ic{background:var(--a);color:var(--amber-d)}
.wannl .c:nth-child(4n+4) .ic{background:var(--g);color:var(--green-d)}

/* "SCHRITT FÜR SCHRITT UMSCHULDEN" — weiße Mock-Cards (Campfire-Stil) */
.bauschritt{padding:clamp(28px,4vw,52px) 0}
.bauschritt .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.bauschritt .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green)}
.bauschritt .head{margin-bottom:14px;max-width:840px}
.bauschritt h2,.bauschritt .head h6{margin:12px 0 0;font-weight:700;font-size:clamp(25px,2.0vw,35px);line-height:1.13;letter-spacing:-.02em;color:var(--teal)}
.bauschritt .lead{font-size:16px;line-height:1.65;color:#3a4d54;max-width:820px;margin-bottom:30px}
.bauschritt .lead b{color:var(--teal);font-weight:700}
.bauschritt .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:880px){.bauschritt .grid{grid-template-columns:1fr}}
.bauschritt .fc{background:#fff;border:1px solid var(--line2);border-radius:20px;padding:30px;display:flex;flex-direction:column;box-shadow:0 16px 38px rgba(0,43,56,.06)}
.bauschritt .fc .kick{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px}
.bauschritt .fc:nth-child(3n+1) .kick{color:var(--green-d)} .bauschritt .fc:nth-child(3n+2) .kick{color:var(--blue-d)} .bauschritt .fc:nth-child(3n+3) .kick{color:var(--amber-d)}
.bauschritt .fc h3,.bauschritt .fc h6{margin:0;font-size:20px;font-weight:700;color:var(--teal);letter-spacing:-.01em}
.bauschritt .fc>p{margin:10px 0 0;font-size:14.5px;line-height:1.58;color:#3a4d54}
.bauschritt .fc>p b{color:var(--teal);font-weight:700}
.bauschritt .fc .mock{margin-top:auto;padding-top:24px}
.bauschritt .mk{background:var(--paper);border:1px solid var(--line2);border-radius:13px;padding:16px}
.bauschritt .mk-h{font-size:11.5px;font-weight:800;color:var(--teal);text-transform:uppercase;letter-spacing:.03em;display:flex;justify-content:space-between;align-items:center;margin-bottom:9px}
.bauschritt .mk-h .ok{display:inline-flex;align-items:center;gap:5px;font-size:10px;background:var(--g);color:var(--green-d);padding:3px 8px;border-radius:999px}
.bauschritt .mk-h .ok svg{width:10px;height:10px}
.bauschritt .mrow{display:flex;justify-content:space-between;align-items:center;font-size:13px;padding:8px 0;border-top:1px solid #e7eeeb}
.bauschritt .mrow:first-of-type{border-top:0}
.bauschritt .mrow .lab{color:var(--muted)} .bauschritt .mrow b{color:var(--teal);font-weight:700}
.bauschritt .brow{display:flex;justify-content:space-between;align-items:center;font-size:13px;padding:8px 0;border-top:1px solid #e7eeeb}
.bauschritt .brow:first-of-type{border-top:0}
.bauschritt .brow.best b{color:var(--green-d)}
.bauschritt .tag{font-size:9.5px;font-weight:800;background:var(--green);color:#fff;padding:2px 7px;border-radius:999px;margin-left:6px}
.bauschritt .doc{display:flex;align-items:center;gap:10px;font-size:13px;color:var(--teal);font-weight:600;padding:7px 0}
.bauschritt .dc{width:20px;height:20px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;flex:0 0 auto}
.bauschritt .dc svg{width:12px;height:12px}
.bauschritt .badge{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:800;background:var(--g);color:var(--green-d);padding:7px 12px;border-radius:999px;margin-top:11px}
.bauschritt .badge svg{width:12px;height:12px}

/* ---------------- "WAS IST EIN IMMOBILIENKREDIT?" — beschreibende Sektion ---------------- */
.wasist{padding:clamp(28px,4vw,52px) 0}
.wasist .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.wasist .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:currentColor}
.wasist .head{max-width:820px;margin-bottom:22px}
.wasist h2,.wasist h3{margin:12px 0 0;font-weight:700;font-size:clamp(24px,2.0vw,35px);line-height:1.15;letter-spacing:-.02em;color:var(--teal)}
.wasist .prose{font-size:16px;line-height:1.7;color:#3a4d54}
.wasist .prose b{color:var(--teal);font-weight:700}
.wasist .prose.lead{max-width:860px;margin-bottom:24px}
.wasist .prose.mid{max-width:860px;margin-bottom:22px}
.wasist .icn{stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;fill:none}
.wasist .uses{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:26px}
@media(max-width:760px){.wasist .uses{grid-template-columns:1fr}}
.wasist .use{border-radius:12px;padding:24px;border:1px solid transparent;display:flex;flex-direction:column;gap:12px}
.wasist .use .ic{width:50px;height:50px;border-radius:13px;background:#fff;display:grid;place-items:center;flex:0 0 auto}
.wasist .use .ic svg{width:25px;height:25px}
.wasist .use h3{margin:0;font-size:19px;font-weight:800;color:var(--teal);letter-spacing:-.01em}
.wasist .use p{margin:0;font-size:14px;line-height:1.55;color:#3a4d54}
.wasist .use.g{background:var(--g);border-color:#d4ecdd} .wasist .use.g .ic{color:var(--green-d)}
.wasist .use.t{background:var(--t);border-color:#d3e6ec} .wasist .use.t .ic{color:var(--blue-d)}
.wasist .use.a{background:var(--a);border-color:#f0e3bf} .wasist .use.a .ic{color:var(--amber-d)}
.wasist .ex{display:flex;flex-wrap:wrap;align-items:center;gap:8px 26px;background:#fff;border:1px solid var(--line2);border-left:4px solid var(--green);border-radius:12px;padding:20px 24px;margin-bottom:22px}
.wasist .ex .fig{font-size:clamp(26px,3vw,34px);font-weight:900;color:var(--green-d);letter-spacing:-.02em;line-height:1}
.wasist .ex .lbl{font-size:14px;color:var(--muted);line-height:1.45}
.wasist .ex .lbl b{color:var(--teal)}
.wasist .note{display:flex;gap:14px;background:var(--t);border:1px solid #d3e6ec;border-radius:12px;padding:20px 22px}
.wasist .note .ic{width:40px;height:40px;border-radius:11px;background:#fff;color:var(--blue-d);display:grid;place-items:center;flex:0 0 auto}
.wasist .note .ic svg{width:21px;height:21px}
.wasist .note h4{margin:0 0 4px;font-size:15px;font-weight:800;color:var(--teal)}
.wasist .note p{margin:0;font-size:14.5px;line-height:1.6;color:#3a4d54}

/* ---------------- "IN VIER SCHRITTEN" — weiße Mock-Cards · getönte Nummern ---------------- */
.schritte{padding:clamp(28px,4vw,52px) 0}
.schritte .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.schritte .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:currentColor}
.schritte .head{max-width:840px;margin-bottom:14px}
.schritte h2,.schritte h4{margin:12px 0 0;font-weight:700;font-size:clamp(24px,2.0vw,35px);line-height:1.15;letter-spacing:-.02em;color:var(--teal)}
.schritte .lead{font-size:16px;line-height:1.7;color:#3a4d54;max-width:820px;margin-bottom:30px}
.schritte .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:1040px){.schritte .grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.schritte .grid{grid-template-columns:1fr}}
.schritte .fc{background:#fff;border-radius:18px;padding:clamp(22px,2vw,28px);border:1px solid var(--line2);box-shadow:0 12px 30px rgba(0,43,56,.05);display:flex;flex-direction:column}
.schritte .fc .no-pill{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:11px;font-weight:900;font-size:15px;margin-bottom:14px}
.schritte .fc.g .no-pill{background:var(--g);color:var(--green-d)}
.schritte .fc.t .no-pill{background:var(--t);color:var(--blue-d)}
.schritte .fc.a .no-pill{background:var(--a);color:var(--amber-d)}
.schritte .fc h3,.schritte .fc h4{margin:0;font-size:clamp(19px,1.5vw,20px);font-weight:700;color:var(--teal);letter-spacing:-.01em}
.schritte .fc>p{margin:9px 0 0;font-size:14px;line-height:1.55;color:#3a4d54}
.schritte .fc>p b{color:var(--green-d);font-weight:700}
.schritte .fc .mock{margin-top:auto;padding-top:20px}
.schritte .mk{background:var(--paper);border:1px solid var(--line2);border-radius:12px;padding:14px}
.schritte .mk-h{font-size:11.5px;font-weight:800;color:var(--teal);display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.schritte .mk-h .ok{display:inline-flex;align-items:center;gap:5px;font-size:10px;font-weight:800;background:var(--g);color:var(--green-d);padding:3px 8px;border-radius:999px}
.schritte .mk-h .ok svg{width:10px;height:10px}
.schritte .mrow{display:flex;justify-content:space-between;align-items:center;font-size:12.5px;padding:7px 0;border-top:1px solid #e7eeeb}
.schritte .mrow:first-of-type{border-top:0}
.schritte .mrow .lab{color:var(--muted)} .schritte .mrow b{color:var(--teal);font-weight:700}
.schritte .chips{display:flex;gap:6px;flex-wrap:wrap;margin-top:9px}
.schritte .chip{font-size:11px;font-weight:700;padding:5px 9px;border-radius:999px;background:#fff;border:1px solid var(--line2);color:var(--muted)}
.schritte .chip.on{background:var(--g);border-color:#d4ecdd;color:var(--green-d)}
.schritte .blist .brow{display:flex;justify-content:space-between;align-items:center;font-size:12.5px;padding:8px 0;border-top:1px solid #e7eeeb}
.schritte .blist .brow:first-child{border-top:0}
.schritte .brow.best b{color:var(--green-d)}
.schritte .tag{font-size:9.5px;font-weight:800;background:var(--green);color:#fff;padding:2px 6px;border-radius:999px;margin-left:6px}
.schritte .doc{display:flex;align-items:center;gap:9px;font-size:12.5px;color:var(--teal);font-weight:600;padding:6px 0}
.schritte .dc{width:19px;height:19px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;flex:0 0 auto}
.schritte .dc svg{width:11px;height:11px}
.schritte .badge{display:inline-flex;align-items:center;gap:6px;font-size:10.5px;font-weight:800;background:var(--g);color:var(--green-d);padding:6px 10px;border-radius:999px;margin-top:10px}
.schritte .badge svg{width:11px;height:11px}
.schritte .cta-row{margin-top:32px;text-align:center}
.schritte .btn-cta{display:inline-flex;align-items:center;gap:9px;background:var(--yellow-deep);color:var(--teal);font-weight:800;font-size:15px;padding:14px 24px;border-radius:999px;box-shadow:0 14px 30px rgba(242,169,0,.42);text-decoration:none;transition:transform .25s var(--ease)}
.schritte .btn-cta:hover{transform:translateY(-2px)}
.schritte .btn-cta svg{width:18px;height:18px}

/* ---------------- "WAS SIE MITBRINGEN SOLLTEN" — weiße Mock-Cards · getönte Icons ---------------- */
.mitbring{padding:clamp(28px,4vw,52px) 0}
.mitbring .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.mitbring .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:currentColor}
.mitbring .head{max-width:840px;margin-bottom:14px}
.mitbring h2,.mitbring h4{margin:12px 0 0;font-weight:700;font-size:clamp(24px,2.0vw,35px);line-height:1.15;letter-spacing:-.02em;color:var(--teal)}
.mitbring .lead{font-size:16px;line-height:1.65;color:#3a4d54;max-width:760px;margin-bottom:30px}
.mitbring .icn{stroke-width:2.1;stroke-linecap:round;stroke-linejoin:round;fill:none}
.mitbring .grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media(max-width:1200px){.mitbring .grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:820px){.mitbring .grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.mitbring .grid{grid-template-columns:1fr}}
.mitbring .fc{background:#fff;border:1px solid var(--line2);border-radius:18px;padding:24px;box-shadow:0 12px 30px rgba(0,43,56,.05);display:flex;flex-direction:column}
.mitbring .fc .ic{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;flex:0 0 auto;margin-bottom:16px}
.mitbring .fc .ic svg{width:25px;height:25px}
.mitbring .fc h3,.mitbring .fc h5{margin:0;font-size:18px;font-weight:700;color:var(--teal);letter-spacing:-.01em}
.mitbring .fc>p{margin:8px 0 0;font-size:13.5px;line-height:1.55;color:#3a4d54}
.mitbring .fc .mock{margin-top:auto;padding-top:18px}
.mitbring .fc:nth-child(5n+1) .ic{background:var(--g);color:var(--green-d)}
.mitbring .fc:nth-child(5n+2) .ic{background:var(--t);color:var(--blue-d)}
.mitbring .fc:nth-child(5n+3) .ic{background:var(--a);color:var(--amber-d)}
.mitbring .fc:nth-child(5n+4) .ic{background:var(--g);color:var(--green-d)}
.mitbring .fc:nth-child(5n+5) .ic{background:var(--t);color:var(--blue-d)}
.mitbring .mk{background:var(--paper);border:1px solid var(--line2);border-radius:12px;padding:13px}
.mitbring .mk-h{font-size:11px;font-weight:800;color:var(--teal);display:flex;justify-content:space-between;align-items:center;margin-bottom:7px;letter-spacing:.02em;text-transform:uppercase}
.mitbring .crow{display:flex;align-items:center;gap:9px;font-size:12.5px;color:var(--teal);padding:5px 0}
.mitbring .crow .lab{color:var(--muted);font-weight:500} .mitbring .crow b{margin-left:auto;font-weight:700;color:var(--teal)}
.mitbring .dc{width:18px;height:18px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;flex:0 0 auto}
.mitbring .dc svg{width:11px;height:11px}
.mitbring .chips{display:flex;gap:6px;flex-wrap:wrap;margin-top:4px}
.mitbring .chip{font-size:10.5px;font-weight:700;padding:4px 9px;border-radius:999px;background:#fff;border:1px solid var(--line2);color:var(--muted)}
.mitbring .chip.on{background:var(--g);border-color:#d4ecdd;color:var(--green-d)}
.mitbring .pctbig{font-size:30px;font-weight:900;letter-spacing:-.03em;color:var(--green-d);line-height:1}
.mitbring .bar{height:8px;border-radius:999px;background:#e7eeeb;overflow:hidden;margin-top:9px}
.mitbring .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,#00a651,#002b38)}
.mitbring .score{display:flex;align-items:baseline;gap:8px}
.mitbring .score b{font-size:22px;font-weight:900;color:var(--green-d);letter-spacing:-.02em}
.mitbring .badge{display:inline-flex;align-items:center;gap:6px;font-size:10.5px;font-weight:800;background:var(--g);color:var(--green-d);padding:6px 10px;border-radius:999px;margin-top:10px}
.mitbring .badge svg{width:11px;height:11px}

/* ---------------- "WELCHE ARTEN VON IMMOBILIENKREDITEN" — weiße Karten · getönte Icons ---------------- */
.arten{padding:clamp(28px,4vw,52px) 0}
.arten .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.arten .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:currentColor}
.arten .head{max-width:840px;margin-bottom:14px}
.arten h2,.arten .head h5{margin:12px 0 0;font-weight:700;font-size:clamp(24px,2.0vw,35px);line-height:1.15;letter-spacing:-.02em;color:var(--teal)}
.arten .lead{font-size:16px;line-height:1.65;color:#3a4d54;max-width:840px;margin-bottom:30px}
.arten .icn{stroke-width:2;stroke-linecap:round;stroke-linejoin:round;fill:none}
.arten .grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:780px){.arten .grid{grid-template-columns:1fr}}
.arten .it{background:#fff;border:1px solid var(--line2);border-radius:16px;padding:28px;box-shadow:0 12px 30px rgba(0,43,56,.05);display:flex;gap:20px;align-items:flex-start}
.arten .it .ic{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;flex:0 0 auto}
.arten .it .ic svg{width:27px;height:27px}
.arten .it h3,.arten .it h5{margin:0;font-size:19px;font-weight:700;color:var(--teal);letter-spacing:-.01em;line-height:1.2}
.arten .it p{margin:10px 0 0;font-size:14.5px;line-height:1.6;color:#3a4d54}
.arten .links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:14px}
.arten .arrow{display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:800;text-decoration:none;margin-top:0}
.arten .arrow svg{width:15px;height:15px}
.arten .arrow:hover{text-decoration:underline}
.arten .it:nth-child(4n+1) .ic{background:var(--g);color:var(--green-d)} .arten .it:nth-child(4n+1) .arrow{color:var(--green-d)}
.arten .it:nth-child(4n+2) .ic{background:var(--t);color:var(--blue-d)} .arten .it:nth-child(4n+2) .arrow{color:var(--blue-d)}
.arten .it:nth-child(4n+3) .ic{background:var(--a);color:var(--amber-d)} .arten .it:nth-child(4n+3) .arrow{color:var(--amber-d)}
.arten .it:nth-child(4n+4) .ic{background:var(--g);color:var(--green-d)} .arten .it:nth-child(4n+4) .arrow{color:var(--green-d)}

/* ---------------- uber-uns: getönte Akzente (grün/teal/amber) ---------------- */
.uabout .mini:nth-of-type(2) .ic{background:var(--g);color:var(--green-d)}
.uabout .mini:nth-of-type(3) .ic{background:var(--t);color:var(--blue-d)}
.uabout .mini:nth-of-type(4) .ic{background:var(--a);color:var(--amber-d)}
.ustats .grid .uc:nth-child(1) .ic,.ustats .grid .uc:nth-child(1) .pct{background:var(--g);color:var(--green-d)}
.ustats .grid .uc:nth-child(2) .ic,.ustats .grid .uc:nth-child(2) .pct{background:var(--t);color:var(--blue-d)}
.ustats .grid .uc:nth-child(3) .ic,.ustats .grid .uc:nth-child(3) .pct{background:var(--a);color:var(--amber-d)}
.uproc .grid .pc:nth-child(1) .no{background:var(--g);color:var(--green-d);box-shadow:none}
.uproc .grid .pc:nth-child(2) .no{background:var(--t);color:var(--blue-d);box-shadow:none}
.uproc .grid .pc:nth-child(3) .no{background:var(--a);color:var(--amber-d);box-shadow:none}
.uproc .grid .pc:nth-child(4) .no{background:var(--g);color:var(--green-d);box-shadow:none}

/* einheitliches grünes Pill-Label für die neuen Sektionen (wie .eyebrow2) */
.wktg .eyebrow,.wasist .eyebrow,.schritte .eyebrow,.mitbring .eyebrow,.arten .eyebrow{color:var(--green-d);background:#eef6f2;border:1px solid #dcefe6;padding:6px 12px;border-radius:999px}
.wktg .eyebrow .dot,.wasist .eyebrow .dot,.schritte .eyebrow .dot,.mitbring .eyebrow .dot,.arten .eyebrow .dot{background:var(--green);box-shadow:0 0 0 4px rgba(0,166,81,.18);animation:pulse 1.8s var(--ease) infinite}
.special .sp-head .eyebrow2+h2{margin-top:14px}
.die-head .eyebrow2+h2,.die-head .eyebrow2+h3{margin-top:14px}
.rev-top .eyebrow .dot,.faq-head .eyebrow .dot,.steps3 .eyebrow .dot,.haus2 .ey .dot{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(0,166,81,.18);animation:pulse 1.8s var(--ease) infinite;flex:0 0 auto}

/* ===== IHR ANSPRECHPARTNER (Weiße Profilkarte + getönte Kontakt-Kacheln) ===== */
.psec2{padding:clamp(34px,5vw,68px) 0;background:var(--paper)}
.psec2 .ey-wrap{margin-bottom:clamp(22px,2.4vw,32px)}
.psec2 .cred{display:inline-flex;align-items:center;font-size:12.5px;font-weight:700;padding:6px 12px;border-radius:999px;background:var(--g);color:var(--green-d)}
.psec2 .alink{display:inline-flex;align-items:center;gap:9px;text-decoration:none;font-weight:800;font-size:15px;color:var(--teal);transition:gap .22s var(--ease)}
.psec2 .alink:hover{gap:14px}
.psec2 .alink svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}
.psec2 .grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:clamp(22px,2.6vw,34px);align-items:stretch}
.psec2 .pcard{background:#fff;border:1px solid var(--line2);border-radius:18px;padding:clamp(22px,2.4vw,30px);box-shadow:var(--shadow)}
.psec2 .vtop{display:flex;gap:18px;align-items:center}
.psec2 .avatar{width:108px;height:108px;border-radius:16px;overflow:hidden;flex:0 0 auto;box-shadow:0 0 0 4px var(--g)}
.psec2 .avatar img{width:100%;height:100%;object-fit:cover}
.psec2 .name{font-size:21px;font-weight:800;color:var(--teal);letter-spacing:-.01em}
.psec2 .role{margin-top:3px;font-size:13.5px;color:var(--muted);line-height:1.45}
.psec2 .creds{margin-top:11px;display:flex;flex-wrap:wrap;gap:8px}
.psec2 hr{border:0;border-top:1px solid var(--line2);margin:22px 0}
.psec2 .th{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.psec2 .checks{list-style:none;margin:16px 0 0;padding:0;display:flex;flex-direction:column;gap:13px}
.psec2 .checks li{display:flex;align-items:center;gap:13px;font-size:14.5px;font-weight:500;color:var(--ink)}
.psec2 .checks .ck{width:30px;height:30px;border-radius:9px;display:grid;place-items:center;flex:0 0 auto}
.psec2 .checks .ck svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.psec2 .checks li:nth-child(4n+1) .ck{background:var(--g);color:var(--green-d)}
.psec2 .checks li:nth-child(4n+2) .ck{background:var(--t);color:var(--blue-d)}
.psec2 .checks li:nth-child(4n+3) .ck{background:var(--a);color:var(--amber-d)}
.psec2 .checks li:nth-child(4n+4) .ck{background:var(--g);color:var(--green-d)}
.psec2 .right{display:flex;flex-direction:column;gap:clamp(18px,2vw,22px)}
.psec2 .commit{background:var(--g);border:1px solid #d4ecdd;border-radius:18px;padding:clamp(22px,2.4vw,30px);box-shadow:var(--shadow)}
.psec2 .commit label{display:block;font-size:clamp(18px,1.7vw,22px);font-weight:800;color:var(--teal);line-height:1.28;letter-spacing:-.01em}
.psec2 .commit p{margin:13px 0 18px;font-size:14.5px;line-height:1.62;color:#33454c}
.psec2 .ccards{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.psec2 .ct{display:flex;gap:13px;align-items:center;background:#fff;border:1px solid var(--line2);border-radius:14px;padding:15px 16px;text-decoration:none;box-shadow:var(--shadow);transition:.2s var(--ease)}
.psec2 a.ct:hover{border-color:#cfe6da;transform:translateY(-2px);box-shadow:0 30px 60px rgba(0,43,56,.14)}
.psec2 .cico{width:42px;height:42px;border-radius:11px;display:grid;place-items:center;flex:0 0 auto}
.psec2 .cico svg{width:21px;height:21px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.psec2 .ct b{display:block;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.psec2 .ct .v{font-size:14px;font-weight:700;color:var(--teal);margin-top:2px}
.psec2 .ct:nth-child(4n+1) .cico{background:var(--g);color:var(--green-d)}
.psec2 .ct:nth-child(4n+2) .cico{background:var(--t);color:var(--blue-d)}
.psec2 .ct:nth-child(4n+3) .cico{background:var(--a);color:var(--amber-d)}
.psec2 .ct:nth-child(4n+4) .cico{background:var(--g);color:var(--green-d)}
@media(max-width:920px){.psec2 .grid{grid-template-columns:1fr}}
@media(max-width:520px){.psec2 .ccards{grid-template-columns:1fr}}

/* ===== BLOG / RATGEBER (Getönte Karten · Tag-Streifen) ===== */
.blogsec{padding:clamp(34px,5vw,68px) 0;background:var(--paper)}
.blogsec .blog-head{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;margin-bottom:clamp(26px,3vw,40px)}
.blogsec .blog-head h2,.blogsec .blog-head h3,.blogsec .blog-head h4{margin:13px 0 0;font-family:var(--serif);font-weight:800;font-size:clamp(26px,3vw,35px);line-height:1.12;letter-spacing:-.02em;color:var(--teal)}
.blogsec .more{display:inline-flex;align-items:center;gap:9px;flex:0 0 auto;text-decoration:none;font-weight:700;font-size:14.5px;color:var(--teal);background:#fff;border:1px solid var(--line2);padding:11px 18px;border-radius:999px;transition:.22s var(--ease);white-space:nowrap}
.blogsec .more:hover{background:var(--teal);color:#fff;border-color:var(--teal);transform:translateY(-2px)}
.blogsec .more svg{width:16px;height:16px;stroke-width:2.4;fill:none;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round}
.blogsec .bgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.blogsec .bcard{display:flex;flex-direction:column;background:#fff;border-radius:16px;overflow:hidden;text-decoration:none;color:inherit;border:1px solid var(--line2);box-shadow:var(--shadow);transition:.26s var(--ease)}
.blogsec .bcard:hover{transform:translateY(-6px);box-shadow:0 34px 70px rgba(0,43,56,.16)}
.blogsec .bph{position:relative;aspect-ratio:16/10;overflow:hidden;background:var(--g)}
.blogsec .bph img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}
.blogsec .bcard:hover .bph img{transform:scale(1.06)}
.blogsec .dchip{position:absolute;bottom:12px;left:12px;display:inline-flex;align-items:center;gap:6px;background:#fff;color:var(--teal);font-size:12px;font-weight:700;padding:6px 11px;border-radius:999px;box-shadow:0 8px 20px rgba(0,12,16,.18)}
.blogsec .dchip svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:0 0 auto}
.blogsec .bbd{display:flex;flex-direction:column;flex:1;padding:16px 18px 20px}
.blogsec .btag{align-self:flex-start;margin-bottom:11px;display:inline-flex;align-items:center;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:5px 11px;border-radius:999px}
.blogsec .bbd h3{margin:0;font-size:15.5px;font-weight:800;line-height:1.34;color:var(--teal);letter-spacing:-.01em}
.blogsec .brl{margin-top:auto;padding-top:16px;display:inline-flex;align-items:center;gap:8px;text-decoration:none;font-weight:700;font-size:14px;color:var(--green-d);transition:gap .22s var(--ease)}
.blogsec .bcard:hover .brl{gap:13px}
.blogsec .brl svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;flex:0 0 auto}
.blogsec .bcard:nth-child(4n+1) .btag{background:var(--g);color:var(--green-d)}
.blogsec .bcard:nth-child(4n+2) .btag{background:var(--t);color:var(--blue-d)}
.blogsec .bcard:nth-child(4n+3) .btag{background:var(--a);color:var(--amber-d)}
.blogsec .bcard:nth-child(4n+4) .btag{background:var(--g);color:var(--green-d)}
.blogsec .bcard:nth-child(4n+1) .brl{color:var(--green-d)}
.blogsec .bcard:nth-child(4n+2) .brl{color:var(--blue-d)}
.blogsec .bcard:nth-child(4n+3) .brl{color:var(--amber-d)}
.blogsec .bcard:nth-child(4n+4) .brl{color:var(--green-d)}
@media(max-width:980px){.blogsec .bgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.blogsec .bgrid{grid-template-columns:1fr}.blogsec .blog-head{flex-direction:column;align-items:flex-start}}


/* ===== Kleine-Screens-Sicherung — lange Wörter brechen, Flex/Grid-Kinder dürfen schrumpfen ===== */
h1,h2,h3,h4,h5,h6,p,.loan,.k{overflow-wrap:break-word}
.arten .it>div,.psec2 .pcard,.psec2 .right,.psec2 .vtop>div,.wannl .c,.unters .cc,.bauschritt .fc,.schritte .fc{min-width:0}
@media(max-width:380px){
  .arten .it,.unters .cc{padding:20px}
  .arten .it{gap:14px}
}

/* reveal */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}