/* ===============================================
   Festgeldzentrum v8 — Slate Navy + Lime
   Modern banking · Space Grotesk · timeline & mesh
   =============================================== */

:root {
  /* Brand: Deep Slate Navy */
  --navy:        #0F172A;
  --navy-2:      #1E293B;
  --navy-3:      #334155;
  --navy-4:      #475569;
  --navy-soft:   #F1F5F9;
  --navy-tint:   #E2E8F0;

  /* Accent: Vibrant Lime */
  --lime:        #84CC16;
  --lime-2:      #A3E635;
  --lime-3:      #BEF264;
  --lime-deep:   #4D7C0F;
  --lime-soft:   #ECFCCB;
  --lime-tint:   #F7FEE7;

  /* Surfaces (warm off-white) */
  --bg:          #FAFAF7;
  --bg-alt:      #F4F4EE;
  --bg-light:    #F8F8F3;
  --bg-white:    #FFFFFF;

  /* Text */
  --text:        #0F172A;
  --text-2:      #334155;
  --text-3:      #64748B;
  --text-4:      #94A3B8;

  /* Border */
  --border:      #E2E8F0;
  --border-2:    #CBD5E1;

  /* Status */
  --success:     #16A34A;
  --danger:      #DC2626;
  --warning:     #F59E0B;
  --star:        #F59E0B;

  /* Type */
  --font: "Space Grotesk", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Geometry */
  --r-sm:  6px;
  --r-md:  10px;
  --r-lg:  16px;
  --r-xl:  24px;
  --shadow-sm: 0 1px 2px rgba(15,23,42,0.05);
  --shadow:    0 4px 14px rgba(15,23,42,0.06), 0 2px 6px rgba(15,23,42,0.03);
  --shadow-lg: 0 20px 50px rgba(15,23,42,0.10), 0 8px 16px rgba(15,23,42,0.04);
  --shadow-navy: 0 12px 28px rgba(15,23,42,0.20);
  --shadow-lime: 0 12px 28px rgba(132,204,22,0.30);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-weight: 400;
  font-size: 16px;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--lime); color: var(--navy); }
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  margin: 0;
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.025em;
  color: var(--text);
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===========================================
   SCROLL PROGRESS BAR — top
   =========================================== */
.scroll-progress {
  position: fixed;
  top: 0; left: 0;
  width: 0%;
  height: 3px;
  background: linear-gradient(90deg, var(--lime) 0%, var(--lime-2) 100%);
  z-index: 200;
  transition: width 0.1s linear;
  box-shadow: 0 1px 4px rgba(132,204,22,0.40);
}

/* ===========================================
   ANNOUNCE — Navy with lime accent
   =========================================== */
.announce {
  background: var(--navy);
  color: var(--bg);
  font-size: 13px;
  padding: 11px 0;
  text-align: center;
  font-weight: 500;
  letter-spacing: 0.02em;
  position: relative;
}
.announce strong { font-weight: 700; color: var(--lime-2); }
.announce::before {
  content: "";
  display: inline-block;
  width: 8px; height: 8px;
  background: var(--lime);
  border-radius: 50%;
  margin-right: 10px;
  vertical-align: middle;
  animation: pulse-dot 2s ease-in-out infinite;
  box-shadow: 0 0 0 0 rgba(132,204,22,0.7);
}
@keyframes pulse-dot {
  0%, 100% { box-shadow: 0 0 0 0 rgba(132,204,22,0.7); }
  50% { box-shadow: 0 0 0 8px rgba(132,204,22,0); }
}

/* ===========================================
   HEADER — Off-white, hover-underline nav
   =========================================== */
header {
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 100;
  transition: padding .25s ease, background .25s ease, box-shadow .25s ease;
  border-bottom: 1px solid transparent;
}
header.scrolled {
  background: rgba(250,250,247,0.92);
  backdrop-filter: blur(12px);
  border-bottom-color: var(--border);
  box-shadow: 0 2px 12px rgba(15,23,42,0.04);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
  gap: 24px;
  transition: padding .25s ease;
}
header.scrolled .nav { padding: 14px 0; }

/* Image logo */
.logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
  line-height: 0;
}
.logo img {
  height: 44px;
  width: auto;
  display: block;
  transition: transform .3s ease;
}
.logo:hover img { transform: scale(1.04); }

/* On dark backgrounds (hero, footer) the lime+teal logo still works,
   but we can slightly boost contrast via filter */
.hero .logo img,
footer .logo img {
  filter: brightness(1.1);
}

/* Hover-underline menu */
.nav-links {
  display: flex;
  gap: 28px;
  font-size: 14px;
  font-weight: 500;
}
.nav-links a {
  color: var(--text-2);
  padding: 8px 2px;
  position: relative;
  transition: color .2s ease;
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 2px;
  width: 0;
  height: 2px;
  background: var(--lime);
  transition: width .3s ease, left .3s ease;
  border-radius: 2px;
}
.nav-links a:hover {
  color: var(--navy);
}
.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
  left: 0;
}
.nav-links a.active { color: var(--navy); font-weight: 600; }

.nav-cta {
  background: var(--navy);
  color: var(--bg);
  padding: 12px 22px;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 600;
  transition: all .25s ease;
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  position: relative;
  overflow: hidden;
}
.nav-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background: var(--lime);
  transform: translateY(100%);
  transition: transform .35s cubic-bezier(0.16, 1, 0.3, 1);
  z-index: 0;
}
.nav-cta:hover::before { transform: translateY(0); }
.nav-cta:hover { color: var(--navy); }
.nav-cta > span { position: relative; z-index: 1; }

.nav-toggle {
  display: none;
  background: var(--navy);
  padding: 9px;
  border-radius: var(--r-sm);
  cursor: pointer;
}
.nav-toggle svg { width: 22px; height: 22px; color: var(--bg); }

/* ===========================================
   HERO — Dark navy with mesh, form on right
   =========================================== */
.hero {
  position: relative;
  overflow: hidden;
  padding: 80px 0 100px;
  background: var(--navy);
  color: var(--bg);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 30%, rgba(132,204,22,0.18), transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(132,204,22,0.10), transparent 50%),
    radial-gradient(circle at 50% 50%, rgba(99,102,241,0.10), transparent 70%);
  animation: mesh-shift 20s ease-in-out infinite;
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 32px 32px;
  pointer-events: none;
  mask-image: radial-gradient(ellipse at center, black, transparent 80%);
}
@keyframes mesh-shift {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(20px, -20px) scale(1.05); }
  66% { transform: translate(-15px, 15px) scale(0.98); }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-pre {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 14px;
  background: rgba(132,204,22,0.12);
  border: 1px solid rgba(132,204,22,0.30);
  border-radius: var(--r-sm);
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--lime-2);
  margin-bottom: 26px;
}
.hero-pre::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
  animation: pulse-dot 2s ease-in-out infinite;
}
.hero h1 {
  font-size: clamp(40px, 6vw, 76px);
  font-weight: 700;
  line-height: 1.02;
  letter-spacing: -0.04em;
  color: var(--bg);
  margin-bottom: 22px;
}
.hero h1 .accent {
  color: var(--lime);
  position: relative;
  display: inline-block;
}
.hero h1 .accent::after {
  content: "";
  position: absolute;
  left: 0; right: 0;
  bottom: -2px;
  height: 4px;
  background: var(--lime);
  border-radius: 2px;
  transform-origin: left;
  animation: underline-grow 1.2s cubic-bezier(0.16, 1, 0.3, 1) 0.4s both;
}
@keyframes underline-grow {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}
.hero-lede {
  font-size: 17px;
  color: rgba(250,250,247,0.72);
  margin-bottom: 36px;
  max-width: 520px;
  line-height: 1.65;
}
.hero-stats {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  margin-bottom: 36px;
  padding: 22px 0;
  border-top: 1px solid rgba(255,255,255,0.10);
  border-bottom: 1px solid rgba(255,255,255,0.10);
}
.hs-item .num {
  font-size: 28px;
  font-weight: 700;
  color: var(--lime-2);
  letter-spacing: -0.02em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.hs-item .lbl {
  font-size: 12px;
  color: rgba(250,250,247,0.60);
  font-weight: 500;
  margin-top: 6px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.hero-buttons {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: var(--r-sm);
  font-size: 14.5px;
  font-weight: 600;
  transition: all .25s ease;
  white-space: nowrap;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.btn svg { width: 16px; height: 16px; transition: transform .25s ease; }
.btn:hover svg { transform: translateX(3px); }
.btn-lime {
  background: var(--lime);
  color: var(--navy);
  box-shadow: var(--shadow-lime);
}
.btn-lime:hover {
  background: var(--lime-2);
  transform: translateY(-2px);
  box-shadow: 0 16px 36px rgba(132,204,22,0.40);
}
.btn-ghost {
  background: transparent;
  color: var(--bg);
  border: 1.5px solid rgba(255,255,255,0.20);
}
.btn-ghost:hover {
  border-color: var(--lime);
  color: var(--lime);
}

/* HERO FORM — glass card on right */
.hero-form-card {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-lg);
  padding: 32px;
  position: relative;
  overflow: hidden;
}
.hero-form-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--lime) 0%, var(--lime-2) 100%);
}
.hero-form-card h3 {
  font-size: 22px;
  color: var(--bg);
  margin-bottom: 6px;
  font-weight: 600;
}
.hero-form-card .form-intro {
  color: rgba(250,250,247,0.65);
  font-size: 13.5px;
  margin-bottom: 24px;
}
.hero-form .field { margin-bottom: 12px; }
.hero-form .row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 0;
}
.hero-form label {
  display: block;
  font-size: 12px;
  font-weight: 500;
  color: rgba(250,250,247,0.75);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
}
.hero-form label .req { color: var(--lime-2); }
.hero-form input:not([type="checkbox"]):not([type="hidden"]),
.hero-form select {
  width: 100%;
  padding: 12px 14px;
  font-size: 14px;
  background: rgba(0,0,0,0.20);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-sm);
  color: var(--bg);
  font-family: inherit;
  transition: all .15s;
}
.hero-form input::placeholder { color: rgba(255,255,255,0.30); }
.hero-form input:not([type="checkbox"]):focus,
.hero-form select:focus {
  outline: none;
  border-color: var(--lime);
  background: rgba(0,0,0,0.30);
  box-shadow: 0 0 0 3px rgba(132,204,22,0.20);
}
.hero-form select option { background: var(--navy); color: var(--bg); }
.hero-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 18px;
  font-size: 12.5px;
  color: rgba(250,250,247,0.70);
  line-height: 1.55;
}
.hero-form .check input {
  margin-top: 3px;
  accent-color: var(--lime);
  flex-shrink: 0;
}
.hero-form .check a {
  color: var(--lime-2);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 500;
}
.btn-primary {
  width: 100%;
  background: var(--lime);
  color: var(--navy);
  padding: 14px 22px;
  border: none;
  border-radius: var(--r-sm);
  font-size: 14.5px;
  font-weight: 700;
  transition: all .25s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  cursor: pointer;
  font-family: inherit;
  box-shadow: var(--shadow-lime);
}
.btn-primary:hover {
  background: var(--lime-2);
  transform: translateY(-1px);
  box-shadow: 0 16px 32px rgba(132,204,22,0.40);
}
.btn-primary:disabled { opacity: 0.6; cursor: not-allowed; }
.btn-primary svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  transition: transform .25s;
}
.btn-primary:hover svg { transform: translateX(4px); }
.form-msg {
  margin-top: 12px;
  padding: 11px 14px;
  border-radius: var(--r-sm);
  font-size: 13px;
  display: none;
}
.form-msg.show { display: block; }
.form-msg.error {
  background: rgba(220,38,38,0.15);
  color: #FCA5A5;
  border-left: 3px solid var(--danger);
}

/* ===========================================
   LIVE RATE MARQUEE — under hero
   =========================================== */
.rate-marquee {
  background: var(--bg);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
  overflow: hidden;
}
.marquee-track {
  display: flex;
  gap: 56px;
  width: max-content;
  animation: marquee-scroll 30s linear infinite;
}
.rate-marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.marquee-item {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: var(--text-2);
  white-space: nowrap;
  font-weight: 500;
}
.marquee-item .rate {
  color: var(--lime-deep);
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.marquee-item .dot {
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
}

/* ===========================================
   STATS — Circular progress (NEW)
   =========================================== */
.stats-section {
  background: var(--bg);
  padding: 80px 0;
}
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.stat-tile {
  text-align: center;
}
.stat-ring {
  position: relative;
  width: 132px;
  height: 132px;
  margin: 0 auto 18px;
}
.stat-ring svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}
.stat-ring .track {
  fill: none;
  stroke: var(--border);
  stroke-width: 8;
}
.stat-ring .progress {
  fill: none;
  stroke: var(--lime);
  stroke-width: 8;
  stroke-linecap: round;
  stroke-dasharray: 0 999;
  transition: stroke-dasharray 1.4s cubic-bezier(0.16, 1, 0.3, 1);
}
.stat-ring .center {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  text-align: center;
}
.stat-num {
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.stat-num .unit { color: var(--lime-deep); margin-left: 1px; }
.stat-label {
  font-size: 13.5px;
  color: var(--text-3);
  font-weight: 500;
  letter-spacing: 0.02em;
}

/* ===========================================
   BANK LIST — same position, navy + lime accents
   =========================================== */
.banks-section {
  background: var(--bg-alt);
  padding: 80px 0 70px;
}
.banks-section .section-head { margin-bottom: 44px; }

.bank-list {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.bank-item {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 26px 30px 18px;
  position: relative;
  transition: all .25s ease;
}
.bank-item:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.bank-badge {
  position: absolute;
  top: -10px;
  left: 26px;
  background: var(--navy);
  color: var(--lime-2);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.10em;
  padding: 5px 14px 5px 12px;
  border-radius: var(--r-sm);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: var(--shadow-navy);
  text-transform: uppercase;
}
.bank-badge::before { content: "▸"; font-size: 10px; color: var(--lime); }

.bank-top {
  display: grid;
  grid-template-columns: 240px 1fr 180px;
  gap: 24px;
  align-items: center;
  margin-bottom: 16px;
}
.bi-logo { display: flex; align-items: center; gap: 14px; }
.bi-logo-img {
  width: 52px;
  height: 52px;
  background: var(--navy-soft);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.bi-logo-img img { max-width: 44px; max-height: 44px; object-fit: contain; }
.bi-logo-img.no-logo {
  background: var(--navy);
  color: var(--lime);
  font-size: 22px;
  font-weight: 700;
  text-transform: uppercase;
}
.bi-text { min-width: 0; }
.bi-name {
  font-size: 17px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 4px;
}
.bi-rating-line {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  color: var(--text-3);
  flex-wrap: wrap;
}
.bi-stars { color: var(--star); letter-spacing: 1px; font-size: 13px; }

.bi-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.metric-box {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 10px 12px;
}
.metric-box.primary {
  border-color: var(--lime);
  background: var(--lime-tint);
}
.metric-box .lbl {
  font-size: 11px;
  color: var(--text-3);
  font-weight: 500;
  margin-bottom: 4px;
}
.metric-box .val {
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
.metric-box.primary .val { color: var(--lime-deep); }

.bi-cta {
  background: var(--navy);
  color: var(--bg);
  padding: 14px 22px;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 600;
  text-align: center;
  transition: all .25s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  white-space: nowrap;
  position: relative;
  overflow: hidden;
  width: 100%;
  min-height: 50px;
}
.bi-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background: var(--lime);
  transform: translateY(100%);
  transition: transform .35s cubic-bezier(0.16, 1, 0.3, 1);
}
.bi-cta:hover::before { transform: translateY(0); }
.bi-cta:hover { color: var(--navy); }
.bi-cta > span { position: relative; z-index: 1; }

.bank-bottom {
  display: flex;
  justify-content: space-around;
  padding-top: 14px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
  gap: 10px;
}
.bb-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-2);
  font-weight: 500;
}
.bb-item svg {
  width: 16px; height: 16px;
  color: var(--lime-deep);
  flex-shrink: 0;
}

/* ===========================================
   SECTION COMMONS
   =========================================== */
.section { padding: 100px 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--navy); color: var(--bg); }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px;
}
.section-head .label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 6px 14px;
  background: var(--navy);
  color: var(--lime-2);
  border-radius: var(--r-sm);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.section-head .label::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
}
.section-head h2 {
  font-size: clamp(32px, 5vw, 48px);
  margin-bottom: 14px;
  letter-spacing: -0.035em;
  color: var(--navy);
}
.section-dark .section-head h2 { color: var(--bg); }
.section-dark .section-head .label {
  background: rgba(132,204,22,0.15);
  color: var(--lime-2);
}
.section-dark .section-head p { color: rgba(250,250,247,0.60); }
.section-head p {
  color: var(--text-3);
  font-size: 17px;
  line-height: 1.6;
  margin: 0;
}

/* ===========================================
   VORTEILE — HORIZONTAL TIMELINE (NEW)
   =========================================== */
.timeline {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  padding-top: 60px;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 8%; right: 8%;
  top: 88px;
  height: 2px;
  background: linear-gradient(90deg, var(--lime) 0%, var(--lime) 95%, transparent 100%);
  z-index: 0;
}
.timeline-step {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 0 8px;
}
.timeline-node {
  width: 56px; height: 56px;
  background: var(--bg);
  border: 3px solid var(--lime);
  border-radius: 50%;
  display: grid;
  place-items: center;
  margin: 0 auto 28px;
  position: relative;
  font-weight: 700;
  font-size: 18px;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  transition: all .3s ease;
}
.timeline-step:hover .timeline-node {
  background: var(--lime);
  transform: scale(1.08);
  box-shadow: var(--shadow-lime);
}
.timeline-icon {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  color: var(--navy);
  opacity: 0;
  transition: opacity .3s ease;
}
.timeline-icon svg { width: 24px; height: 24px; }
.timeline-step:hover .timeline-icon { opacity: 1; }
.timeline-step:hover .timeline-num { opacity: 0; }
.timeline-num { transition: opacity .3s ease; }

.timeline-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 24px 22px;
  transition: all .3s ease;
}
.timeline-step:hover .timeline-card {
  border-color: var(--lime);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.timeline-card h3 {
  font-size: 17px;
  margin-bottom: 10px;
  color: var(--navy);
}
.timeline-card p {
  font-size: 14px;
  color: var(--text-3);
  line-height: 1.6;
  margin: 0;
}

/* ===========================================
   KONDITIONEN — VERTICAL EXPANDABLE (NEW)
   =========================================== */
.kond-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  max-width: 920px;
  margin: 0 auto;
}
.kond-row {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: all .25s ease;
}
.kond-row:hover { border-color: var(--lime); }
.kond-row.active {
  border-color: var(--lime);
  box-shadow: var(--shadow);
}
.kond-summary {
  display: grid;
  grid-template-columns: 60px 1fr 200px 56px;
  align-items: center;
  gap: 24px;
  padding: 22px 28px;
  cursor: pointer;
  transition: background .2s ease;
}
.kond-row.active .kond-summary { background: var(--lime-tint); }
.kond-num {
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--lime-2);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 15px;
}
.kond-info .term {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 500;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.kond-info .title {
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
}
.kond-rate-big {
  display: flex;
  align-items: baseline;
  gap: 4px;
  justify-self: end;
}
.kond-rate-big .num {
  font-size: 38px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.kond-rate-big .pct {
  font-size: 22px;
  font-weight: 600;
  color: var(--lime-deep);
}
.kond-rate-big .pa {
  font-size: 12px;
  color: var(--text-3);
  margin-left: 4px;
}
.kond-chevron {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--bg);
  display: grid;
  place-items: center;
  transition: all .3s ease;
}
.kond-row.active .kond-chevron {
  background: var(--lime);
  transform: rotate(180deg);
}
.kond-chevron svg { width: 18px; height: 18px; color: var(--navy); }

.kond-detail {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
}
.kond-row.active .kond-detail { max-height: 400px; }
.kond-detail-inner {
  padding: 0 28px 26px;
  border-top: 1px solid var(--border);
  padding-top: 22px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 32px;
  align-items: center;
}
.kond-features {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
}
.kond-features li {
  font-size: 14px;
  color: var(--text-2);
  padding-left: 26px;
  position: relative;
}
.kond-features li::before {
  content: "";
  position: absolute;
  left: 0; top: 4px;
  width: 16px; height: 16px;
  background: var(--lime-soft);
  border-radius: 50%;
}
.kond-features li::after {
  content: "✓";
  position: absolute;
  left: 3px; top: 1px;
  color: var(--lime-deep);
  font-weight: 700;
  font-size: 11px;
}
.kond-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 22px;
  background: var(--navy);
  color: var(--bg);
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 600;
  transition: all .25s;
  white-space: nowrap;
}
.kond-cta:hover {
  background: var(--lime);
  color: var(--navy);
}
.kond-cta svg { width: 16px; height: 16px; transition: transform .25s; }
.kond-cta:hover svg { transform: translateX(3px); }

/* ===========================================
   CALCULATOR — Dark navy horizontal card
   =========================================== */
.calc-section {
  background: var(--navy);
  color: var(--bg);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.calc-section::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(132,204,22,0.20), transparent 60%);
  animation: mesh-shift 22s ease-in-out infinite;
}
.calc-section > .container { position: relative; z-index: 2; }

.calc-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--r-lg);
  padding: 48px;
  backdrop-filter: blur(10px);
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
  align-items: start;
}
.calc-inputs > h3,
.calc-output > h3 {
  font-size: 13px;
  font-weight: 600;
  color: var(--lime-2);
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.input-group { margin-bottom: 24px; }
.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: rgba(250,250,247,0.75);
  margin-bottom: 10px;
  font-weight: 500;
}
.input-group label .val {
  font-size: 22px;
  color: var(--lime);
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: rgba(255,255,255,0.15);
  border-radius: 2px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--lime);
  border: 3px solid var(--navy);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(132,204,22,0.40);
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--lime);
  border: 3px solid var(--navy);
  border-radius: 50%;
  cursor: pointer;
}
.range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: rgba(250,250,247,0.45);
  margin-top: 6px;
}
.quick-select {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.qs {
  padding: 12px 10px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-sm);
  color: rgba(250,250,247,0.80);
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  transition: all .2s;
  font-family: inherit;
}
.qs:hover { background: rgba(255,255,255,0.10); border-color: var(--lime); }
.qs.selected {
  background: var(--lime);
  border-color: var(--lime);
  color: var(--navy);
  font-weight: 600;
}
.calc-output {
  background: var(--bg);
  color: var(--text);
  border-radius: var(--r-md);
  padding: 36px;
  position: relative;
}
.calc-output > h3 { color: var(--lime-deep); }
.output-final {
  font-size: clamp(48px, 7vw, 76px);
  font-weight: 700;
  color: var(--navy);
  line-height: 0.95;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
  margin-bottom: 8px;
}
.output-final .euro { color: var(--lime-deep); margin-right: 6px; }
.output-sub {
  font-size: 14px;
  color: var(--text-3);
  margin-bottom: 26px;
}
.output-sub strong { color: var(--lime-deep); }
.breakdown {
  border-top: 1px solid var(--border);
  padding-top: 22px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.breakdown-item .lbl {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 500;
  margin-bottom: 6px;
  letter-spacing: 0.02em;
}
.breakdown-item .val {
  font-size: 22px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: var(--navy);
}
.breakdown-item.gain .val { color: var(--lime-deep); }
.yearly-bars {
  margin-top: 24px;
  padding-top: 22px;
  border-top: 1px solid var(--border);
}
.yearly-bars-label {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 500;
  margin-bottom: 12px;
}
.bars { display: flex; align-items: flex-end; gap: 6px; height: 64px; }
.bar {
  flex: 1;
  background: linear-gradient(to top, var(--navy) 0%, var(--lime) 100%);
  border-radius: 3px 3px 0 0;
  transition: height .8s cubic-bezier(0.16, 1, 0.3, 1);
  min-height: 4px;
}
.bar-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 10px;
  color: var(--text-4);
}
.calc-cta {
  display: block;
  margin-top: 24px;
  padding: 14px;
  background: var(--navy);
  color: var(--lime-2);
  text-align: center;
  border-radius: var(--r-sm);
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
  transition: all .25s;
}
.calc-cta:hover { background: var(--lime); color: var(--navy); }

/* ===========================================
   HOW IT WORKS — ZIGZAG (NEW)
   =========================================== */
.zigzag {
  display: flex;
  flex-direction: column;
  gap: 80px;
}
.zigzag-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.zigzag-row:nth-child(even) .zigzag-visual { order: 2; }
.zigzag-row:nth-child(even) .zigzag-content { order: 1; }
.zigzag-visual {
  position: relative;
  aspect-ratio: 1.2;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  border-radius: var(--r-lg);
  display: grid;
  place-items: center;
  overflow: hidden;
  color: var(--bg);
}
.zigzag-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 30% 30%, rgba(132,204,22,0.20), transparent 50%),
    repeating-linear-gradient(45deg, transparent 0 30px, rgba(132,204,22,0.04) 30px 32px);
}
.zigzag-icon {
  position: relative;
  z-index: 1;
  width: 120px; height: 120px;
  background: var(--lime);
  color: var(--navy);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-lime);
}
.zigzag-icon svg { width: 56px; height: 56px; }
.zigzag-num {
  position: absolute;
  top: 24px; left: 24px;
  font-size: clamp(64px, 9vw, 108px);
  font-weight: 800;
  color: rgba(132,204,22,0.18);
  line-height: 0.8;
  letter-spacing: -0.05em;
  z-index: 0;
  font-variant-numeric: tabular-nums;
}
.zigzag-content .zigzag-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--lime-deep);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.zigzag-content .zigzag-tag::before {
  content: "";
  width: 20px;
  height: 2px;
  background: var(--lime);
}
.zigzag-content h3 {
  font-size: clamp(26px, 3.5vw, 36px);
  margin-bottom: 16px;
  letter-spacing: -0.025em;
  line-height: 1.15;
}
.zigzag-content p {
  font-size: 16px;
  color: var(--text-2);
  line-height: 1.7;
  margin: 0 0 18px;
}
.zigzag-bullets {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 8px;
}
.zigzag-bullets li {
  font-size: 14.5px;
  color: var(--text-2);
  padding-left: 24px;
  position: relative;
  font-weight: 500;
}
.zigzag-bullets li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--lime-deep);
  font-weight: 700;
  font-size: 15px;
}

/* ===========================================
   TESTIMONIALS — 3-card grid with featured center
   =========================================== */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: stretch;
}
.testi-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  transition: all .3s ease;
  position: relative;
}
.testi-card:hover {
  transform: translateY(-4px);
  border-color: var(--lime);
  box-shadow: var(--shadow-lg);
}
.testi-card.featured {
  background: var(--navy);
  color: var(--bg);
  border-color: var(--navy);
  transform: scale(1.02);
  box-shadow: var(--shadow-lg);
}
.testi-card.featured:hover { transform: scale(1.02) translateY(-4px); }
.testi-card.featured .t-quote { color: var(--bg); }
.testi-card.featured .t-info .name { color: var(--bg); }
.testi-card.featured .t-info .role { color: rgba(250,250,247,0.55); }
.testi-card.featured .t-author { border-top-color: rgba(255,255,255,0.10); }
.testi-card.featured .t-avatar {
  background: var(--lime);
  color: var(--navy);
}
.t-stars {
  color: var(--star);
  letter-spacing: 2px;
  font-size: 16px;
  margin-bottom: 16px;
}
.t-quote {
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.65;
  margin-bottom: 22px;
  flex-grow: 1;
}
.t-author {
  display: flex;
  gap: 12px;
  align-items: center;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.t-avatar {
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--lime);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 15px;
  flex-shrink: 0;
}
.t-info .name {
  font-weight: 600;
  font-size: 14.5px;
  color: var(--text);
}
.t-info .role {
  font-size: 13px;
  color: var(--text-3);
}

/* ===========================================
   FAQ — 2-column
   =========================================== */
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 20px;
  max-width: 1100px;
  margin: 0 auto;
}
details {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  transition: all .2s;
}
details[open] {
  border-color: var(--lime);
  box-shadow: var(--shadow-sm);
}
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 22px;
  cursor: pointer;
  list-style: none;
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
  gap: 14px;
}
summary::-webkit-details-marker { display: none; }
summary .plus {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--navy-soft);
  display: grid;
  place-items: center;
  font-weight: 500;
  font-size: 14px;
  flex-shrink: 0;
  transition: all .25s;
  color: var(--navy);
}
details[open] summary { color: var(--navy); }
details[open] .plus {
  background: var(--lime);
  color: var(--navy);
  transform: rotate(45deg);
}
details > div {
  padding: 0 22px 22px;
  color: var(--text-2);
  font-size: 14px;
  line-height: 1.7;
}

/* ===========================================
   CTA Banner — Diagonal split lime + navy
   =========================================== */
.cta-banner { padding: 100px 0; background: var(--bg); }
.cta-card {
  border-radius: var(--r-lg);
  overflow: hidden;
  position: relative;
  display: grid;
  grid-template-columns: 1.3fr auto;
  align-items: center;
  background: var(--navy);
  padding: 70px 56px;
  color: var(--bg);
  gap: 48px;
}
.cta-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 55%;
  height: 100%;
  background: var(--lime);
  clip-path: polygon(0 0, 100% 0, 75% 100%, 0 100%);
  z-index: 0;
}
.cta-card::after {
  content: "";
  position: absolute;
  bottom: -80px; right: -80px;
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(132,204,22,0.30), transparent 60%);
  z-index: 1;
}
.cta-card > * { position: relative; z-index: 2; }
.cta-text .label {
  display: inline-block;
  padding: 6px 14px;
  background: rgba(15,23,42,0.15);
  border-radius: var(--r-sm);
  font-size: 11.5px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.cta-card h2 {
  font-size: clamp(32px, 5vw, 48px);
  color: var(--navy);
  margin-bottom: 16px;
  letter-spacing: -0.03em;
  max-width: 500px;
}
.cta-card p {
  font-size: 16px;
  max-width: 460px;
  margin: 0;
  color: var(--navy-2);
  line-height: 1.6;
  font-weight: 500;
}
.btn-cta-big {
  background: var(--bg);
  color: var(--navy);
  padding: 18px 36px;
  border-radius: var(--r-sm);
  font-size: 15px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: all .25s;
  white-space: nowrap;
}
.btn-cta-big:hover {
  background: var(--lime);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lime);
}
.btn-cta-big svg { width: 18px; height: 18px; transition: transform .25s; }
.btn-cta-big:hover svg { transform: translateX(4px); }

/* ===========================================
   FOOTER — Newsletter top + dense 4-col
   =========================================== */
footer {
  background: var(--navy);
  color: rgba(250,250,247,0.65);
  padding: 0 0 28px;
  position: relative;
  overflow: hidden;
}
footer::after {
  content: "";
  position: absolute;
  bottom: -150px; right: -150px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(132,204,22,0.10), transparent 60%);
  pointer-events: none;
}
.newsletter-bar {
  background: var(--navy-2);
  padding: 36px 0;
  margin-bottom: 56px;
  position: relative;
  z-index: 2;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.newsletter-row {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 36px;
  align-items: center;
}
.newsletter-text h3 {
  font-size: 22px;
  color: var(--bg);
  margin-bottom: 6px;
  font-weight: 600;
}
.newsletter-text p {
  font-size: 14px;
  color: rgba(250,250,247,0.60);
  margin: 0;
}
.newsletter-form {
  display: flex;
  gap: 10px;
}
.newsletter-form input {
  flex: 1;
  padding: 14px 16px;
  background: rgba(0,0,0,0.30);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-sm);
  color: var(--bg);
  font-size: 14.5px;
  font-family: inherit;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.30); }
.newsletter-form input:focus { outline: none; border-color: var(--lime); }
.newsletter-form button {
  padding: 14px 24px;
  background: var(--lime);
  color: var(--navy);
  border: none;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: background .2s;
  white-space: nowrap;
}
.newsletter-form button:hover { background: var(--lime-2); }

.footer-row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
  position: relative;
  z-index: 2;
}
.footer-brand .logo img {
  filter: brightness(1.1);
}
.footer-brand p {
  font-size: 14px;
  line-height: 1.65;
  color: rgba(250,250,247,0.55);
  margin: 14px 0 0;
  max-width: 300px;
}
footer h4 {
  font-size: 12px;
  font-weight: 700;
  color: var(--lime-2);
  margin-bottom: 18px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
}
footer ul { list-style: none; padding: 0; margin: 0; }
footer li {
  margin-bottom: 12px;
  font-size: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
footer li svg {
  width: 16px; height: 16px;
  color: var(--lime);
  flex-shrink: 0;
  margin-top: 2px;
}
footer a { color: rgba(250,250,247,0.65); transition: color .15s; }
footer a:hover { color: var(--lime-2); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13px;
  color: rgba(250,250,247,0.45);
  position: relative;
  z-index: 2;
}

/* ===========================================
   THANK YOU PAGE
   =========================================== */
.danke-page {
  padding: 100px 0;
  background: var(--bg);
  position: relative;
  overflow: hidden;
}
.danke-page::before {
  content: "";
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(132,204,22,0.10), transparent 60%);
}
.danke-wrap {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 2;
}
.danke-icon {
  width: 96px;
  height: 96px;
  margin: 0 auto 28px;
  background: var(--lime);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--navy);
  font-size: 44px;
  font-weight: 800;
  box-shadow: 0 20px 44px rgba(132,204,22,0.40);
  position: relative;
  animation: scaleIn .5s cubic-bezier(0.16, 1, 0.3, 1);
}
.danke-icon::before {
  content: "";
  position: absolute;
  inset: -8px;
  border: 2px solid var(--lime);
  border-radius: 50%;
  opacity: 0.35;
  animation: ringExpand 1.6s ease-out infinite;
}
@keyframes scaleIn {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
@keyframes ringExpand {
  0%   { transform: scale(1);   opacity: 0.4; }
  100% { transform: scale(1.5); opacity: 0; }
}
.danke-page h1 {
  font-size: clamp(32px, 5vw, 48px);
  margin-bottom: 14px;
  letter-spacing: -0.03em;
}
.danke-wrap > p {
  font-size: 16px;
  color: var(--text-2);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.danke-card {
  background: var(--bg-white);
  border-radius: var(--r-md);
  padding: 36px 38px;
  text-align: left;
  margin-bottom: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.danke-card h3 {
  font-size: 19px;
  font-weight: 600;
  text-align: center;
  margin-bottom: 22px;
}
.danke-steps {
  list-style: none;
  margin: 0;
  padding: 0;
}
.danke-steps li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 0;
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.55;
}
.danke-steps li + li { border-top: 1px solid var(--border); }
.danke-steps .step-num {
  width: 32px; height: 32px;
  background: var(--navy);
  color: var(--lime);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--navy);
  color: var(--bg);
  padding: 14px 30px;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 600;
  transition: all .25s;
}
.danke-back:hover {
  background: var(--lime);
  color: var(--navy);
}
.danke-back svg { width: 16px; height: 16px; transition: transform .25s; }
.danke-back:hover svg { transform: translateX(-3px); }

/* ===========================================
   LEGAL PAGES
   =========================================== */
.legal-page {
  padding: 70px 0 90px;
  max-width: 820px;
  margin: 0 auto;
}
.legal-page h1 {
  font-size: clamp(36px, 5vw, 52px);
  margin-bottom: 28px;
  letter-spacing: -0.03em;
}
.legal-page h2 {
  font-size: 22px;
  margin: 38px 0 14px;
  color: var(--lime-deep);
  letter-spacing: -0.015em;
}
.legal-page h3 {
  font-size: 16px;
  margin: 22px 0 10px;
  color: var(--text-2);
}
.legal-page p, .legal-page li {
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.75;
}
.legal-page ul, .legal-page ol { padding-left: 20px; }
.legal-page a {
  color: var(--lime-deep);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 500;
}
.legal-page strong { color: var(--navy); font-weight: 600; }
.info-block {
  background: var(--lime-tint);
  border: 1px solid var(--lime-soft);
  border-left: 3px solid var(--lime);
  border-radius: var(--r-sm);
  padding: 20px 24px;
  margin: 22px 0;
}
.info-block p { margin: 4px 0; }

/* ===========================================
   REVEAL ANIMATIONS
   =========================================== */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .7s ease, transform .7s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.stagger > * {
  opacity: 0;
  transform: translateY(20px);
}
.stagger.visible > * {
  opacity: 1;
  transform: translateY(0);
  transition: opacity .6s ease, transform .6s cubic-bezier(0.16, 1, 0.3, 1);
}
.stagger.visible > *:nth-child(1) { transition-delay: 0.05s; }
.stagger.visible > *:nth-child(2) { transition-delay: 0.15s; }
.stagger.visible > *:nth-child(3) { transition-delay: 0.25s; }
.stagger.visible > *:nth-child(4) { transition-delay: 0.35s; }
.stagger.visible > *:nth-child(5) { transition-delay: 0.45s; }
.stagger.visible > *:nth-child(6) { transition-delay: 0.55s; }

.modal {
  display: none;
  position: fixed; inset: 0;
  background: rgba(15,23,42,0.75);
  z-index: 1000;
  align-items: center; justify-content: center;
  padding: 20px;
  backdrop-filter: blur(6px);
}
.modal.show { display: flex; }
.modal-content {
  background: var(--bg-white);
  padding: 40px 32px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  border-radius: var(--r-md);
  position: relative;
  overflow: hidden;
}
.modal-content::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--lime);
}
.modal-content h3 { font-size: 24px; margin-bottom: 10px; }
.modal-content p { color: var(--text-3); margin-bottom: 22px; }

/* ===========================================
   ANFRAGE MODAL — bank prefilled (NEW)
   =========================================== */
.anfrage-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,0.75);
  z-index: 1100;
  padding: 20px;
  backdrop-filter: blur(8px);
  overflow-y: auto;
  align-items: flex-start;
  justify-content: center;
}
.anfrage-modal.show {
  display: flex;
  animation: am-fade .25s ease;
}
@keyframes am-fade { from { opacity: 0; } to { opacity: 1; } }
.am-card {
  background: var(--bg-white);
  max-width: 580px;
  width: 100%;
  border-radius: var(--r-lg);
  padding: 36px 36px 30px;
  margin: auto;
  position: relative;
  box-shadow: 0 30px 80px rgba(0,0,0,0.40);
  animation: am-pop .35s cubic-bezier(0.16, 1, 0.3, 1);
  border: 1px solid var(--border);
}
@keyframes am-pop {
  from { transform: translateY(20px) scale(0.96); opacity: 0; }
  to { transform: translateY(0) scale(1); opacity: 1; }
}
.am-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--lime) 0%, var(--lime-2) 100%);
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.am-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 36px; height: 36px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 50%;
  display: grid;
  place-items: center;
  cursor: pointer;
  transition: all .2s;
  color: var(--text-2);
  font-size: 18px;
  font-weight: 500;
}
.am-close:hover {
  background: var(--navy);
  color: var(--bg);
  border-color: var(--navy);
  transform: rotate(90deg);
}
.am-bank-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 14px;
  background: var(--lime-tint);
  border: 1px solid var(--lime-soft);
  border-radius: var(--r-sm);
  font-size: 12px;
  font-weight: 600;
  color: var(--lime-deep);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.am-bank-badge::before {
  content: "";
  width: 8px; height: 8px;
  background: var(--lime);
  border-radius: 50%;
}
.am-bank-line {
  display: inline-flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 0 6px;
  max-width: 100%;
}
.am-bank-name {
  font-weight: 700;
  color: var(--navy);
  text-transform: none;
  letter-spacing: 0;
}
.am-bank-sep {
  color: var(--text-3);
  font-weight: 500;
  user-select: none;
}
.am-bank-rate {
  font-weight: 700;
  color: var(--lime-deep);
  text-transform: none;
  letter-spacing: 0;
  white-space: nowrap;
}
.am-card h3 {
  font-size: 24px;
  margin-bottom: 6px;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.am-card .am-intro {
  font-size: 14px;
  color: var(--text-3);
  margin-bottom: 22px;
  line-height: 1.55;
}
.am-form .row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.am-form .field { margin-bottom: 12px; }
.am-form label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-2);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
}
.am-form label .req { color: var(--lime-deep); }
.am-form input:not([type="checkbox"]):not([type="hidden"]),
.am-form select {
  width: 100%;
  padding: 12px 14px;
  font-size: 14.5px;
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  color: var(--text);
  font-family: inherit;
  transition: all .15s;
}
.am-form input:not([type="checkbox"]):focus,
.am-form select:focus {
  outline: none;
  border-color: var(--lime);
  background: var(--bg-white);
  box-shadow: 0 0 0 3px rgba(132,204,22,0.15);
}
.am-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 18px;
  font-size: 12.5px;
  color: var(--text-3);
  line-height: 1.55;
}
.am-form .check input[type="checkbox"] {
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--lime-deep);
  width: 16px; height: 16px;
}
.am-form .check a {
  color: var(--lime-deep);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}
.am-submit {
  width: 100%;
  background: var(--navy);
  color: var(--bg);
  padding: 16px;
  border: none;
  border-radius: var(--r-sm);
  font-size: 14.5px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all .25s;
  letter-spacing: 0.02em;
  position: relative;
  overflow: hidden;
}
.am-submit::before {
  content: "";
  position: absolute;
  inset: 0;
  background: var(--lime);
  transform: translateY(100%);
  transition: transform .35s cubic-bezier(0.16, 1, 0.3, 1);
}
.am-submit:hover::before { transform: translateY(0); }
.am-submit:hover { color: var(--navy); }
.am-submit > * { position: relative; z-index: 1; }
.am-submit svg { width: 18px; height: 18px; transition: transform .25s; }
.am-submit:hover svg { transform: translateX(4px); }
.am-form .form-msg { display: none; }
.am-form .form-msg.show { display: block; }
.am-form .form-msg.error {
  background: #FEE2E2;
  color: #B91C1C;
  border-left: 3px solid var(--danger);
}

/* ===========================================
   COMPARISON TABLE — NEW (Festgeld vs alternatives)
   =========================================== */
.compare-section { padding: 100px 0; background: var(--bg); }
.compare-table {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.2fr repeat(3, 1fr);
}
.ct-cell {
  padding: 22px 24px;
  border-bottom: 1px solid var(--border);
  border-right: 1px solid var(--border);
  font-size: 14.5px;
  color: var(--text-2);
}
.ct-cell:nth-child(4n) { border-right: none; }
.ct-cell.ct-head {
  background: var(--bg);
  font-weight: 600;
  font-size: 13px;
  color: var(--text-3);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.ct-cell.ct-product {
  background: var(--navy);
  color: var(--bg);
  font-weight: 700;
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.ct-cell.ct-product .badge {
  font-size: 10px;
  padding: 3px 8px;
  background: var(--lime);
  color: var(--navy);
  border-radius: 3px;
  letter-spacing: 0.06em;
}
.ct-cell.ct-product .label {
  font-size: 11px;
  font-weight: 500;
  color: rgba(250,250,247,0.55);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.ct-cell.ct-row-head {
  background: var(--bg);
  font-weight: 600;
  color: var(--navy);
  font-size: 14px;
}
.ct-cell.ct-best {
  background: var(--lime-tint);
  color: var(--lime-deep);
  font-weight: 700;
  position: relative;
}
.ct-cell.ct-best::before {
  content: "★";
  position: absolute;
  top: 8px; right: 12px;
  font-size: 12px;
  color: var(--lime-deep);
}
.ct-icon {
  display: inline-flex;
  width: 22px; height: 22px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  font-size: 12px;
  font-weight: 700;
  margin-right: 6px;
}
.ct-yes { background: var(--lime-soft); color: var(--lime-deep); }
.ct-no  { background: #FEE2E2; color: #B91C1C; }
.ct-mid { background: #FEF3C7; color: #B45309; }

/* ===========================================
   SICHERHEIT (Security details) — NEW
   =========================================== */
.security-section {
  padding: 100px 0;
  background: var(--bg-alt);
  position: relative;
  overflow: hidden;
}
.security-section::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image: radial-gradient(circle, var(--border) 1px, transparent 1px);
  background-size: 28px 28px;
  opacity: 0.4;
  pointer-events: none;
  mask-image: radial-gradient(ellipse at center, black, transparent 70%);
}
.security-section .container { position: relative; z-index: 1; }

.sec-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.sec-visual {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 48px 40px;
  color: var(--bg);
  position: relative;
  overflow: hidden;
  aspect-ratio: 1.1;
}
.sec-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 20%, rgba(132,204,22,0.20), transparent 50%),
    radial-gradient(circle at 80% 80%, rgba(132,204,22,0.10), transparent 50%);
}
.sec-shield {
  position: relative;
  z-index: 1;
  width: 100%;
  height: 100%;
  display: grid;
  place-items: center;
}
.sec-shield-icon {
  width: 160px;
  height: 160px;
  background: var(--lime);
  border-radius: var(--r-lg);
  display: grid;
  place-items: center;
  color: var(--navy);
  position: relative;
  box-shadow: 0 16px 40px rgba(132,204,22,0.30);
}
.sec-shield-icon::before {
  content: "";
  position: absolute;
  inset: -16px;
  border: 2px solid rgba(132,204,22,0.30);
  border-radius: calc(var(--r-lg) + 16px);
  animation: shield-pulse 2.5s ease-out infinite;
}
.sec-shield-icon::after {
  content: "";
  position: absolute;
  inset: -32px;
  border: 2px solid rgba(132,204,22,0.15);
  border-radius: calc(var(--r-lg) + 32px);
  animation: shield-pulse 2.5s ease-out infinite 0.6s;
}
@keyframes shield-pulse {
  0% { opacity: 1; transform: scale(1); }
  100% { opacity: 0; transform: scale(1.15); }
}
.sec-shield-icon svg { width: 80px; height: 80px; }
.sec-shield-label {
  position: absolute;
  bottom: 28px; left: 0; right: 0;
  text-align: center;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--lime-2);
}

.sec-content > .label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 6px 14px;
  background: var(--navy);
  color: var(--lime-2);
  border-radius: var(--r-sm);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.sec-content > .label::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
}
.sec-content h2 {
  font-size: clamp(28px, 4vw, 40px);
  margin-bottom: 16px;
  letter-spacing: -0.03em;
  color: var(--navy);
}
.sec-content p {
  font-size: 16px;
  color: var(--text-2);
  line-height: 1.7;
  margin-bottom: 24px;
}
.sec-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 14px;
}
.sec-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 14px 18px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  transition: all .25s ease;
}
.sec-list li:hover {
  border-color: var(--lime);
  transform: translateX(4px);
}
.sec-list-icon {
  flex-shrink: 0;
  width: 36px; height: 36px;
  background: var(--lime-tint);
  color: var(--lime-deep);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
}
.sec-list-icon svg { width: 18px; height: 18px; }
.sec-list-text strong {
  display: block;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 2px;
}
.sec-list-text span {
  font-size: 13px;
  color: var(--text-3);
  line-height: 1.5;
}

/* ===========================================
   AWARDS STRIP — NEW (trust badges)
   =========================================== */
.awards-strip {
  padding: 50px 0;
  background: var(--bg);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.awards-head {
  text-align: center;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-3);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 26px;
}
.awards-row {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px;
  align-items: center;
}
.award-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  padding: 16px 12px;
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  background: var(--bg-white);
  transition: all .25s ease;
  text-align: center;
}
.award-item:hover {
  border-color: var(--lime);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}
.award-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--lime);
  display: grid;
  place-items: center;
}
.award-icon svg { width: 20px; height: 20px; }
.award-text {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
}
.award-text span {
  display: block;
  font-size: 10.5px;
  color: var(--text-3);
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-top: 2px;
}

/* ===========================================
   MARKET UPDATE — NEW (small info card)
   =========================================== */
.market-update {
  padding: 70px 0;
  background: var(--bg-alt);
}
.market-card {
  background: var(--bg-white);
  border-radius: var(--r-lg);
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 40px;
  align-items: center;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.market-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 4px; height: 100%;
  background: linear-gradient(180deg, var(--lime) 0%, var(--lime-2) 100%);
}
.market-info .pulse-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  font-weight: 600;
  color: var(--lime-deep);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.market-info .pulse-label::before {
  content: "";
  width: 8px; height: 8px;
  background: var(--lime);
  border-radius: 50%;
  animation: pulse-dot 1.6s ease-in-out infinite;
}
.market-info h3 {
  font-size: 24px;
  margin-bottom: 10px;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.market-info p {
  font-size: 14.5px;
  color: var(--text-3);
  line-height: 1.6;
  margin: 0;
}
.market-info .updated {
  margin-top: 16px;
  font-size: 12px;
  color: var(--text-4);
  font-variant-numeric: tabular-nums;
}
.market-rates {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
.market-rate-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  transition: all .2s;
}
.market-rate-item:hover {
  border-color: var(--lime);
}
.market-rate-item .label {
  font-size: 12.5px;
  color: var(--text-3);
  font-weight: 500;
}
.market-rate-item .value {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  display: flex;
  align-items: baseline;
  gap: 2px;
}
.market-rate-item .value .pct { color: var(--lime-deep); font-size: 14px; }
.market-rate-item .trend {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  font-size: 11px;
  font-weight: 600;
  color: var(--lime-deep);
  padding: 2px 6px;
  background: var(--lime-soft);
  border-radius: 3px;
  margin-left: 6px;
}

/* ===========================================
   RESPONSIVE
   =========================================== */
@media (max-width: 1180px) {
  /* Compact nav at medium-wide screens */
  .nav-links { gap: 22px; font-size: 13.5px; }
  .nav-cta { padding: 11px 18px; font-size: 13.5px; }
  .logo img { height: 40px; }
}

@media (max-width: 1024px) {
  .bank-top { grid-template-columns: 1fr; gap: 16px; }
  .bi-cta { width: 100%; }
  .nav-links { gap: 16px; font-size: 13px; }
  .nav-cta { padding: 10px 14px; font-size: 13px; }
}

@media (max-width: 880px) {
  /* Below this hide nav-links, show toggle */
  .nav-links { display: none; }
  .nav-toggle { display: grid; place-items: center; }
  .nav-links.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 16px; right: 16px;
    background: var(--bg);
    flex-direction: column;
    padding: 12px;
    gap: 4px;
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    box-shadow: var(--shadow-lg);
  }
  .nav-links.open a {
    padding: 13px 16px;
    border-radius: var(--r-sm);
    text-align: center;
    font-size: 14.5px;
    width: 100%;
  }
  .nav-links.open a::after { display: none; }
  .nav-links.open a:hover,
  .nav-links.open a.active { background: var(--lime-soft); color: var(--navy); }
  .nav { gap: 14px; }
  .nav-cta { padding: 10px 16px; font-size: 13px; }
}

@media (max-width: 980px) {
  .hero { padding: 56px 0 70px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .stats-row { grid-template-columns: 1fr 1fr; gap: 28px 16px; }
  .calc-card { grid-template-columns: 1fr; gap: 32px; padding: 32px; }
  .timeline { grid-template-columns: 1fr 1fr; gap: 32px; padding-top: 30px; }
  .timeline::before { display: none; }
  .zigzag-row {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .zigzag-row:nth-child(even) .zigzag-visual { order: 1; }
  .zigzag-row:nth-child(even) .zigzag-content { order: 2; }
  .zigzag-visual { aspect-ratio: 1.6; max-height: 240px; }
  .testi-grid { grid-template-columns: 1fr; }
  .testi-card.featured { transform: none; }
  .testi-card.featured:hover { transform: translateY(-4px); }
  .faq-grid { grid-template-columns: 1fr; }
  .newsletter-row { grid-template-columns: 1fr; gap: 18px; }
  .footer-row { grid-template-columns: 1fr 1fr; gap: 32px; }
  .section { padding: 64px 0; }
  .calc-section, .cta-banner,
  .compare-section, .security-section,
  .awards-strip, .market-update { padding: 64px 0; }
  .breakdown { grid-template-columns: 1fr; gap: 14px; }
  .cta-card {
    grid-template-columns: 1fr;
    padding: 48px 32px;
    text-align: center;
  }
  .cta-card::before {
    width: 100%;
    height: 55%;
    clip-path: polygon(0 0, 100% 0, 100% 75%, 0 100%);
  }
  .cta-card .btn-cta-big { justify-self: center; }
  .kond-summary { grid-template-columns: 50px 1fr 130px 40px; gap: 16px; padding: 18px 22px; }
  .kond-rate-big .num { font-size: 28px; }
  .kond-detail-inner { grid-template-columns: 1fr; gap: 20px; padding: 0 22px 22px; padding-top: 18px; }
  /* Comparison table responsive */
  .compare-table {
    grid-template-columns: 1fr 1fr;
    font-size: 13px;
  }
  .ct-cell:nth-child(4n) { border-right: 1px solid var(--border); }
  .ct-cell:nth-child(2n) { border-right: none; }
  .ct-cell.ct-head:nth-child(1),
  .ct-cell.ct-row-head { grid-column: 1 / -1; background: var(--navy); color: var(--bg); }
  /* Security responsive */
  .sec-grid { grid-template-columns: 1fr; gap: 36px; }
  .sec-visual { aspect-ratio: 1.6; max-height: 320px; }
  /* Awards responsive */
  .awards-row { grid-template-columns: repeat(3, 1fr); gap: 14px; }
  /* Market update responsive */
  .market-card { grid-template-columns: 1fr; gap: 28px; padding: 32px 28px; }
  /* Modal responsive */
  .am-card { padding: 28px 24px 24px; }
  .am-card h3 { font-size: 21px; }
}

@media (max-width: 720px) {
  .container { padding: 0 16px; }
  .nav { padding: 14px 0; gap: 12px; }
  .logo img { height: 34px; }
  /* On very small screens, replace CTA text with icon only */
  .nav-cta {
    padding: 10px;
    font-size: 0;
    width: 40px;
    height: 40px;
    border-radius: var(--r-sm);
    display: inline-grid;
    place-items: center;
  }
  .nav-cta::after {
    content: "✉";
    font-size: 16px;
    position: relative;
    z-index: 1;
  }
  .nav-cta > span { display: none; }
  .hero h1 { font-size: 36px; }
  .hero-lede { font-size: 15px; }
  .hero-stats { gap: 20px; padding: 16px 0; }
  .hs-item .num { font-size: 22px; }
  .hs-item .lbl { font-size: 11px; }
  .stats-row { grid-template-columns: 1fr 1fr; gap: 24px 12px; }
  .stat-ring { width: 110px; height: 110px; }
  .stat-num { font-size: 22px; }
  .stat-label { font-size: 12.5px; }
  .hero-form-card { padding: 24px 20px; }
  .hero-form-card h3 { font-size: 19px; }
  .hero-form .row { grid-template-columns: 1fr; gap: 0; }
  .hero-form .row .field { margin-bottom: 12px; }
  .timeline { grid-template-columns: 1fr; }
  .zigzag { gap: 56px; }
  .zigzag-visual { aspect-ratio: 1.4; max-height: 200px; }
  .zigzag-icon { width: 90px; height: 90px; }
  .zigzag-icon svg { width: 42px; height: 42px; }
  .zigzag-num { font-size: 64px; top: 16px; left: 16px; }
  .bi-metrics { grid-template-columns: 1fr 1fr; }
  .bank-bottom { flex-direction: column; align-items: flex-start; gap: 8px; }
  .footer-row { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .newsletter-form { flex-direction: column; }
  .newsletter-form button { width: 100%; }
  .cta-card { padding: 40px 22px; }
  .cta-card h2 { font-size: 28px; }
  .danke-card { padding: 22px 18px; }
  .danke-icon { width: 80px; height: 80px; font-size: 38px; }
  .section { padding: 52px 0; }
  .calc-section, .compare-section,
  .security-section, .market-update { padding: 52px 0; }
  .awards-strip { padding: 40px 0; }
  .calc-card { padding: 24px; }
  .calc-output { padding: 26px; }
  .legal-page { padding: 44px 0 70px; }
  .legal-page h1 { font-size: 30px; }
  .bank-item { padding: 22px 18px 16px; }
  .bank-badge { left: 18px; font-size: 10px; padding: 4px 10px; }
  .quick-select { grid-template-columns: 1fr 1fr; }
  .kond-summary { grid-template-columns: 1fr auto; gap: 12px; padding: 18px; }
  .kond-num { display: none; }
  .kond-chevron { display: none; }
  .kond-info { grid-column: 1; }
  .kond-rate-big { grid-column: 2; }
  .kond-rate-big .num { font-size: 24px; }
  .kond-features { grid-template-columns: 1fr; }
  /* Comparison table: stack as cards */
  .compare-table {
    grid-template-columns: 1fr;
  }
  .ct-cell {
    border-right: none !important;
  }
  .ct-cell.ct-row-head { font-size: 13px; padding: 14px 18px; }
  .ct-cell { padding: 14px 18px; }
  /* Security */
  .sec-visual { aspect-ratio: 1.4; max-height: 280px; }
  .sec-shield-icon { width: 120px; height: 120px; }
  .sec-shield-icon svg { width: 60px; height: 60px; }
  /* Awards */
  .awards-row { grid-template-columns: repeat(2, 1fr); }
  .awards-head { font-size: 11px; }
  /* Market update */
  .market-rates { grid-template-columns: 1fr; }
  .market-card { padding: 24px 20px; }
  /* Modal */
  .am-card { padding: 24px 20px 20px; }
  .am-card h3 { font-size: 19px; }
  .am-form .row { grid-template-columns: 1fr; gap: 0; }
  .am-form .row .field { margin-bottom: 12px; }
}