/* WIEN FINANZ HAUS — Institut (corporate retail bank)
   IBM Plex Sans · white + institutional cool grey + functional red.
   Clear, reassuring, information-dense. No serif, no luxury editorial. */
@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400&family=IBM+Plex+Mono:wght@400;500&display=swap');

:root{
--wei:#ffffff;--grau-1:#f5f6f8;--grau-2:#eceef1;--grau-3:#dfe2e7;--grau-4:#c7ccd4;
--navy:#16223a;--navy-2:#22314f;--navy-3:#0f1a2e;
--tinte:#1c2534;--text:#3a4354;--grau-t:#616b7c;--grau-tl:#8b93a1;
--rot:#c8102e;--rot-d:#a30d25;--rot-sv:#e11a36;--rot-p:rgba(200,16,46,.06);--rot-b:rgba(200,16,46,.2);
--gruen:#1f7a4d;--gruen-p:rgba(31,122,77,.09);
--linie:#e2e5ea;--linie-2:#eef0f3;
--ff:'IBM Plex Sans',system-ui,-apple-system,sans-serif;
--ff-m:'IBM Plex Mono',ui-monospace,monospace;
--r:6px;--r-s:4px;--max:1180px;--max-sm:760px;
--sh:0 1px 2px rgba(22,34,58,.06),0 2px 8px rgba(22,34,58,.05);
--sh-md:0 4px 12px rgba(22,34,58,.08),0 10px 32px rgba(22,34,58,.08);
--ease:cubic-bezier(.4,0,.2,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--ff);color:var(--text);background:var(--wei);line-height:1.6;font-weight:400;font-size:16px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none;transition:color .15s}
ul{list-style:none}
button{font-family:inherit;cursor:pointer}
:focus-visible{outline:2px solid var(--rot);outline-offset:2px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px}
.wrap-sm{max-width:var(--max-sm);margin:0 auto;padding:0 32px}
.num{font-family:var(--ff);font-feature-settings:'tnum' 1}

/* ═══ TOPBAR ═══ */
.top{background:var(--navy);color:rgba(255,255,255,.72);font-size:.8rem;padding:.5rem 0}
.top-in{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.5rem}
.top a{color:#fff}
.top a:hover{color:var(--rot-sv)}
.top-l{display:flex;align-items:center;gap:.5rem}
.top-r{display:flex;gap:1.5rem;align-items:center}
.top-r span{display:flex;align-items:center;gap:.4rem}
.at-flag{display:inline-flex;flex-direction:column;width:16px;height:11px;border-radius:1px;overflow:hidden}
.at-flag i{flex:1}
.at-flag i:nth-child(2){background:#fff}
.at-flag i:nth-child(1),.at-flag i:nth-child(3){background:var(--rot-sv)}

/* ═══ HEADER ═══ */
.head{background:var(--wei);position:sticky;top:0;z-index:900;border-bottom:1px solid var(--linie);box-shadow:var(--sh)}
.head-in{display:flex;align-items:center;justify-content:space-between;height:78px;gap:2rem}
.brand img{height:56px;width:auto;display:block}
.nav{display:flex;align-items:center}
.nav a{font-size:.94rem;font-weight:500;color:var(--text);padding:.5rem .9rem;position:relative;white-space:nowrap;border-radius:var(--r-s)}
.nav a:hover{color:var(--navy);background:var(--grau-1)}
.nav a.akt{color:var(--rot-d)}
.nav-dd{position:relative}
.nav-dd>a span{font-size:.6rem;opacity:.6}
.dd{position:absolute;top:calc(100% + 8px);left:0;background:var(--wei);border:1px solid var(--linie);border-radius:var(--r);min-width:250px;padding:.4rem;box-shadow:var(--sh-md);opacity:0;pointer-events:none;transform:translateY(6px);transition:all .16s var(--ease);z-index:200}
.nav-dd:hover .dd{opacity:1;pointer-events:all;transform:translateY(0)}
.dd a{display:block;padding:.6rem .85rem;font-size:.9rem;font-weight:500;color:var(--text);border-radius:var(--r-s)}
.dd a:hover{color:var(--rot-d);background:var(--grau-1)}
.head-cta{display:flex;align-items:center;gap:.85rem}

/* ═══ BUTTONS ═══ */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--ff);font-size:.92rem;font-weight:600;border:none;cursor:pointer;transition:all .16s var(--ease);white-space:nowrap;border-radius:var(--r)}
.b-rot{background:var(--rot);color:#fff;padding:.72rem 1.5rem}
.b-rot:hover{background:var(--rot-d)}
.b-navy{background:var(--navy);color:#fff;padding:.72rem 1.5rem}
.b-navy:hover{background:var(--navy-2)}
.b-line{background:var(--wei);border:1px solid var(--grau-4);color:var(--navy);padding:.68rem 1.45rem}
.b-line:hover{border-color:var(--navy);background:var(--grau-1)}
.b-line-w{background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff;padding:.68rem 1.45rem}
.b-line-w:hover{background:rgba(255,255,255,.1);border-color:#fff}
.b-g{padding:.85rem 1.85rem;font-size:.98rem}
.b-p{padding:.45rem 1rem;font-size:.82rem}
.b-full{width:100%;justify-content:center}

.burg{display:none;background:none;border:none;color:var(--navy);font-size:1.4rem;padding:.3rem}
.mob{display:none;position:fixed;inset:78px 0 0 0;z-index:850;background:var(--wei);flex-direction:column;border-top:1px solid var(--linie);overflow-y:auto}
.mob.akt{display:flex}
.mob>a{padding:1rem 1.5rem;font-size:1rem;font-weight:500;color:var(--text);border-bottom:1px solid var(--linie-2)}
.mob>a:hover{color:var(--rot-d);background:var(--grau-1)}
.mob-f{background:var(--navy);padding:1.5rem;margin-top:auto}
.mob-f-l{font-size:.78rem;font-weight:600;color:rgba(255,255,255,.5);margin-bottom:.75rem}
.mob-f a{display:flex;align-items:center;gap:.5rem;color:rgba(255,255,255,.85)!important;font-size:.92rem;padding:.4rem 0!important;border:none!important}

/* ═══ TRUST BAR (signature — like a retail bank) ═══ */
.trust{background:var(--grau-1);border-bottom:1px solid var(--linie)}
.trust-in{display:flex;align-items:stretch;gap:0}
.trust-i{flex:1;display:flex;align-items:center;gap:.7rem;padding:.85rem 1.5rem;border-left:1px solid var(--linie);font-size:.82rem;color:var(--grau-t)}
.trust-i:first-child{border-left:none;padding-left:0}
.trust-i b{color:var(--navy);font-weight:600}
.trust-ic{width:26px;height:26px;flex-shrink:0;border-radius:50%;background:var(--rot-p);display:flex;align-items:center;justify-content:center;color:var(--rot-d);font-size:.8rem}

/* ═══ PFLICHT ═══ */
.pflicht{background:var(--navy);color:rgba(255,255,255,.72);padding:.8rem 0}
.pflicht-in{display:flex;align-items:flex-start;gap:.75rem}
.pflicht-tag{flex-shrink:0;font-family:var(--ff-m);font-size:.62rem;font-weight:500;letter-spacing:.02em;background:var(--rot);color:#fff;padding:.2rem .5rem;border-radius:var(--r-s);margin-top:1px}
.pflicht p{font-size:.78rem;line-height:1.55}
.pflicht strong{color:#fff;font-weight:600}

/* ═══ HERO ═══ */
.hero{background:var(--wei);border-bottom:1px solid var(--linie)}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:0;align-items:stretch}
.hero-l{padding:76px 3.5rem 76px 0;display:flex;flex-direction:column;justify-content:center}
.hero-tag{display:inline-flex;align-items:center;gap:.5rem;font-size:.85rem;font-weight:600;color:var(--rot-d);margin-bottom:1.4rem}
.hero-tag::before{content:'';width:20px;height:2px;background:var(--rot)}
.hero h1{font-size:clamp(2.2rem,4.4vw,3.5rem);font-weight:600;color:var(--navy);line-height:1.12;letter-spacing:-.02em;margin-bottom:1.4rem}
.hero-sub{font-size:1.1rem;font-weight:400;color:var(--grau-t);line-height:1.6;max-width:460px;margin-bottom:2.2rem}
.hero-akt{display:flex;gap:1rem;flex-wrap:wrap;align-items:center;margin-bottom:2.4rem}
.hero-pts{display:flex;flex-direction:column;gap:.7rem}
.hero-pt{display:flex;align-items:center;gap:.65rem;font-size:.94rem;color:var(--text)}
.hero-pt-ic{width:20px;height:20px;flex-shrink:0;border-radius:50%;background:var(--gruen-p);color:var(--gruen);display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:700}
/* Right: navy quote/rate panel */
.hero-r{background:var(--navy);color:#fff;padding:56px 2.75rem;display:flex;flex-direction:column;justify-content:center;position:relative;margin-left:2rem}
.hero-r::before{content:'';position:absolute;top:0;left:-2rem;bottom:0;width:2rem;background:var(--navy)}
.hero-panel-l{font-size:.82rem;font-weight:500;color:rgba(255,255,255,.55);margin-bottom:.4rem}
.hero-rate{font-size:3.4rem;font-weight:600;line-height:1;letter-spacing:-.02em;margin-bottom:.3rem}
.hero-rate span{color:var(--rot-sv)}
.hero-rate-s{font-size:.88rem;color:rgba(255,255,255,.55);margin-bottom:2rem}
.hero-tabelle{border-top:1px solid rgba(255,255,255,.14)}
.hero-tz{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:.2rem 1rem;padding:.62rem 0;border-bottom:1px solid rgba(255,255,255,.09);font-size:.9rem}
.hero-tz .l{color:rgba(255,255,255,.6);overflow-wrap:anywhere}
.hero-tz .v{font-weight:600;white-space:nowrap}
.hero-tz.hl .v{color:var(--rot-sv)}
.hero-note{font-size:.72rem;color:rgba(255,255,255,.45);line-height:1.5;margin-top:1rem}

/* ═══ SECTIONS ═══ */
.sec{padding:80px 0}
.sec-sm{padding:52px 0}
.s-wei{background:var(--wei)}
.s-grau{background:var(--grau-1)}
.s-navy{background:var(--navy);color:#fff}

.sec-head{max-width:640px;margin-bottom:2.75rem}
.sec-head.mid{margin-left:auto;margin-right:auto;text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.85rem;font-weight:600;color:var(--rot-d);margin-bottom:.75rem}
.eyebrow::before{content:'';width:18px;height:2px;background:var(--rot)}
.sec-head.mid .eyebrow{justify-content:center}
h2.tit{font-size:clamp(1.7rem,3.2vw,2.4rem);font-weight:600;color:var(--navy);line-height:1.18;letter-spacing:-.02em}
.s-navy h2.tit{color:#fff}
.lead{font-size:1.05rem;font-weight:400;color:var(--grau-t);line-height:1.6;margin-top:.9rem}
.s-navy .lead{color:rgba(255,255,255,.66)}

/* ═══ PRODUKTE (bank product tiles) ═══ */
.prod-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.prod{display:flex;flex-direction:column;background:var(--wei);border:1px solid var(--linie);border-radius:var(--r);padding:1.75rem;transition:all .18s var(--ease)}
.prod:hover{border-color:var(--grau-4);box-shadow:var(--sh-md);transform:translateY(-2px)}
.prod-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:1rem}
.prod-ic{width:40px;height:40px;border-radius:var(--r-s);background:var(--rot-p);color:var(--rot-d);display:flex;align-items:center;justify-content:center;font-size:1.15rem}
.prod-rate{font-family:var(--ff);font-size:.8rem;font-weight:600;color:var(--gruen);background:var(--gruen-p);padding:.28rem .6rem;border-radius:100px}
.prod-n{font-size:1.2rem;font-weight:600;color:var(--navy);margin-bottom:.5rem;letter-spacing:-.01em}
.prod-d{font-size:.92rem;font-weight:400;color:var(--grau-t);line-height:1.55;margin-bottom:1.25rem;flex:1}
.prod-foot{display:flex;align-items:center;justify-content:space-between;padding-top:1rem;border-top:1px solid var(--linie-2)}
.prod-sum{font-size:.9rem;font-weight:600;color:var(--navy)}
.prod-link{font-size:.88rem;font-weight:600;color:var(--rot-d);display:inline-flex;align-items:center;gap:5px}
.prod-link .ch{transition:transform .16s}
.prod:hover .prod-link .ch{transform:translateX(3px)}

/* ═══ ABLAUF ═══ */
.ablauf{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;counter-reset:s}
.ablauf-s{background:var(--navy-2);border-radius:var(--r);padding:1.75rem 1.5rem;position:relative}
.ablauf-s::before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--rot);color:#fff;font-weight:600;font-size:1rem;margin-bottom:1.1rem}
.ablauf-t{font-size:1.08rem;font-weight:600;color:#fff;margin-bottom:.5rem}
.ablauf-d{font-size:.9rem;font-weight:400;color:rgba(255,255,255,.62);line-height:1.55}

/* ═══ BEISPIEL (data table, bank style) ═══ */
.beisp{background:var(--wei);border:1px solid var(--linie);border-radius:var(--r);overflow:hidden}
.beisp-head{background:var(--grau-1);padding:1.15rem 1.6rem;border-bottom:1px solid var(--linie);display:flex;align-items:center;justify-content:space-between}
.beisp-t{font-size:1.02rem;font-weight:600;color:var(--navy)}
.beisp-r{font-family:var(--ff-m);font-size:.72rem;font-weight:500;color:var(--grau-t);background:var(--grau-2);padding:.2rem .5rem;border-radius:var(--r-s)}
.beisp-l{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:.2rem 1rem;padding:.82rem 1.6rem;border-bottom:1px solid var(--linie-2)}
.beisp-l:last-of-type{border-bottom:none}
.beisp-l.hl{background:var(--rot-p)}
.beisp-b{font-size:.9rem;color:var(--grau-t);overflow-wrap:anywhere}
.beisp-v{font-size:1.02rem;font-weight:600;color:var(--navy);white-space:nowrap}
.beisp-l.hl .beisp-v{color:var(--rot-d);font-size:1.3rem}
.beisp-foot{padding:1rem 1.6rem;background:var(--grau-1);font-size:.76rem;color:var(--grau-t);line-height:1.55}

/* ═══ RECHNER ═══ */
.rechner{background:var(--wei);border:1px solid var(--linie);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
.rechner-head{background:var(--navy);padding:1.4rem 1.9rem}
.rechner-head h3{font-size:1.2rem;font-weight:600;color:#fff}
.rechner-b{padding:1.9rem}
.rechner-e{margin-bottom:1.6rem}
.rechner-e label{display:flex;justify-content:space-between;align-items:baseline;font-size:.88rem;font-weight:500;color:var(--text);margin-bottom:.6rem}
.rechner-v{font-size:1.1rem;font-weight:700;color:var(--navy)}
input[type=range]{width:100%;accent-color:var(--rot);height:4px;cursor:pointer}
.rechner-res{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--linie);border:1px solid var(--linie);border-radius:var(--r-s);overflow:hidden;margin-top:1.6rem}
.rr{background:var(--grau-1);padding:1.15rem 1.3rem}
.rr-l{font-size:.82rem;font-weight:400;color:var(--grau-t);margin-bottom:.3rem}
.rr-v{font-size:1.5rem;font-weight:700;color:var(--navy)}
.rr.gross{background:var(--navy);grid-column:1/-1}
.rr.gross .rr-l{color:rgba(255,255,255,.6)}
.rr.gross .rr-v{color:var(--rot-sv)}

/* ═══ FAQ ═══ */
.faq-e{border:1px solid var(--linie);border-radius:var(--r);margin-bottom:.75rem;overflow:hidden;background:var(--wei)}
.faq-f{display:flex;justify-content:space-between;align-items:center;padding:1.25rem 1.5rem;cursor:pointer;user-select:none;gap:1.5rem;transition:background .15s}
.faq-f:hover{background:var(--grau-1)}
.faq-ft{font-size:1.05rem;font-weight:600;color:var(--navy);line-height:1.35}
.faq-ik{position:relative;width:18px;height:18px;flex-shrink:0}
.faq-ik::before,.faq-ik::after{content:'';position:absolute;background:var(--rot);transition:transform .22s var(--ease)}
.faq-ik::before{top:50%;left:0;right:0;height:2px;transform:translateY(-50%)}
.faq-ik::after{left:50%;top:0;bottom:0;width:2px;transform:translateX(-50%)}
.faq-e.auf .faq-ik::after{transform:translateX(-50%) scaleY(0)}
.faq-a{display:none;padding:0 1.5rem 1.35rem;font-size:.96rem;font-weight:400;color:var(--grau-t);line-height:1.65;max-width:760px}
.faq-a a{color:var(--rot-d);text-decoration:underline}
.faq-e.auf .faq-a{display:block}

/* ═══ FORMULAR ═══ */
.form{background:var(--wei);border:1px solid var(--linie);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh-md)}
.form-head{background:var(--navy);padding:1.6rem 2rem}
.form-head h3{font-size:1.35rem;font-weight:600;color:#fff}
.form-head p{font-size:.88rem;font-weight:400;color:rgba(255,255,255,.6);margin-top:.25rem}
.form-b{padding:2rem}
.feld-g{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.feld{display:flex;flex-direction:column;gap:.4rem}
.feld.voll{grid-column:1/-1}
.feld label{font-size:.86rem;font-weight:500;color:var(--text)}
.feld input,.feld select,.feld textarea{width:100%;padding:.78rem .95rem;border:1px solid var(--grau-3);border-radius:var(--r-s);font-family:var(--ff);font-size:.95rem;font-weight:400;color:var(--tinte);background:var(--wei);transition:all .15s}
.feld input::placeholder,.feld textarea::placeholder{color:var(--grau-tl)}
.feld input:focus,.feld select:focus,.feld textarea:focus{outline:none;border-color:var(--rot);box-shadow:0 0 0 3px var(--rot-p)}
.feld textarea{resize:vertical;min-height:110px}
.f-teil{font-size:.82rem;font-weight:600;color:var(--navy);padding-bottom:.6rem;border-bottom:2px solid var(--grau-2);margin-bottom:.3rem;display:flex;align-items:center;gap:.5rem}
.f-teil .n{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;background:var(--rot);color:#fff;font-size:.72rem;font-weight:600}
.zust{display:flex;align-items:flex-start;gap:9px;font-size:.88rem;font-weight:400;color:var(--grau-t);line-height:1.55}
.zust input[type=checkbox]{margin-top:2px;width:15px;height:15px;accent-color:var(--rot);flex-shrink:0}
.zust a{color:var(--rot-d);text-decoration:underline}

/* ═══ PAGE HEAD ═══ */
.phead{background:var(--navy);padding:56px 0;position:relative;overflow:hidden}
.phead-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:44px 44px;pointer-events:none}
.phead .wrap{position:relative;z-index:1}
.brot{display:flex;gap:.5rem;align-items:center;font-size:.85rem;font-weight:400;color:rgba(255,255,255,.5);margin-bottom:1rem;flex-wrap:wrap}
.brot a{color:rgba(255,255,255,.68)}
.brot a:hover{color:var(--rot-sv)}
.brot .s{color:rgba(255,255,255,.3)}
.phead h1{font-size:clamp(1.9rem,4vw,2.9rem);font-weight:600;color:#fff;line-height:1.14;letter-spacing:-.02em}
.phead .ps{font-size:1.02rem;font-weight:400;color:rgba(255,255,255,.66);margin-top:.85rem;max-width:560px}
.pillen{display:flex;gap:.75rem;margin-top:1.9rem;flex-wrap:wrap}
.pille{background:var(--navy-2);border:1px solid rgba(255,255,255,.1);border-radius:var(--r-s);padding:.7rem 1.1rem}
.pille strong{display:block;font-size:1.15rem;font-weight:600;color:#fff}
.pille-l{font-size:.76rem;color:rgba(255,255,255,.55);margin-top:.1rem}

/* ═══ BOXES ═══ */
.box-rot{background:var(--rot-p);border:1px solid var(--rot-b);border-radius:var(--r-s);padding:1rem 1.2rem;font-size:.9rem;font-weight:400;color:var(--text);line-height:1.6}
.box-rot strong{color:var(--rot-d);font-weight:600}
.box-warn{background:#fdf6f0;border:1px solid #f3d9c4;border-radius:var(--r-s);padding:.95rem 1.15rem;font-size:.88rem;font-weight:400;color:#8a4b1e;line-height:1.6}
.box-navy{background:var(--navy);border-radius:var(--r);padding:1.15rem 1.4rem;font-size:.9rem;font-weight:400;color:rgba(255,255,255,.75);line-height:1.6}
.box-navy strong{color:#fff;font-weight:600}
.box-navy a{color:var(--rot-sv)}

/* ═══ KONTAKT ═══ */
.kl{display:flex;gap:1.1rem;align-items:flex-start;padding:1.35rem 0;border-bottom:1px solid var(--linie)}
.kl:first-child{border-top:1px solid var(--linie)}
.kic{width:44px;height:44px;border-radius:var(--r-s);background:var(--grau-1);border:1px solid var(--linie);display:flex;align-items:center;justify-content:center;font-size:1.05rem;flex-shrink:0;color:var(--rot-d)}
.kl-l{font-size:.82rem;font-weight:500;color:var(--grau-t);margin-bottom:.25rem}
.kl-v{font-size:1.08rem;font-weight:600;color:var(--navy)}
.kl-v a{color:var(--navy)}
.kl-v a:hover{color:var(--rot-d)}
.kl-s{font-size:.88rem;font-weight:400;color:var(--grau-t);margin-top:.15rem}

/* ═══ COOKIES ═══ */
.cookie{position:fixed;bottom:0;left:0;right:0;z-index:9999;background:var(--wei);border-top:1px solid var(--linie);padding:1.1rem 1.5rem;display:none;box-shadow:0 -6px 24px rgba(22,34,58,.1)}
.cookie.akt{display:block}
.cookie-in{max-width:var(--max);margin:0 auto;display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.cookie-t{flex:1;font-size:.88rem;font-weight:400;color:var(--grau-t);line-height:1.55;min-width:200px}
.cookie-t a{color:var(--rot-d);text-decoration:underline}
.cookie-b{display:flex;gap:.7rem;flex-shrink:0}

/* ═══ FOOTER ═══ */
.foot{background:var(--navy);color:rgba(255,255,255,.62)}
.foot-t{padding:56px 0 44px;display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:2.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-logo img{height:64px;width:auto;background:var(--wei);padding:8px 12px;border-radius:var(--r-s);margin-bottom:1.1rem}
.foot-dev{font-size:.95rem;font-weight:500;color:#fff;line-height:1.5;margin-bottom:1.15rem}
.foot-k{display:flex;flex-direction:column;gap:.5rem}
.foot-k span{font-size:.88rem;font-weight:400;color:rgba(255,255,255,.62);display:flex;align-items:flex-start;gap:.5rem}
.foot-k a{color:rgba(255,255,255,.8)}
.foot-k a:hover{color:var(--rot-sv)}
.foot-kt{font-size:.82rem;font-weight:600;color:#fff;margin-bottom:1.1rem}
.foot-li{display:flex;flex-direction:column;gap:.5rem}
.foot-li a{font-size:.9rem;font-weight:400;color:rgba(255,255,255,.62)}
.foot-li a:hover{color:var(--rot-sv)}
.foot-reg{font-size:.78rem;font-weight:400;line-height:1.7;color:rgba(255,255,255,.5)}
.foot-reg strong{color:rgba(255,255,255,.8);font-weight:600}
.foot-b{padding:1.3rem 0;display:flex;justify-content:space-between;align-items:center;font-size:.82rem;font-weight:400;color:rgba(255,255,255,.45);flex-wrap:wrap;gap:.5rem}
.foot-b a{color:rgba(255,255,255,.6)}
.foot-b a:hover{color:var(--rot-sv)}

/* ═══ 2-COL LAYOUTS (responsive) ═══ */
.g2{display:grid;grid-template-columns:1fr 1fr}
.g2-side{display:grid;grid-template-columns:1fr 330px}
.g2-cta{display:grid;grid-template-columns:1fr auto}

/* ═══ STAT GRID (2x2 numbers box) ═══ */
.stat-grid{display:grid;grid-template-columns:1fr 1fr}
.stat-cell{padding:2rem;min-width:0}
.stat-num{font-family:var(--ff);font-size:2.2rem;font-weight:500;color:var(--navy)}
.stat-lbl{font-family:var(--ff);font-size:.82rem;color:var(--grau-t);margin-top:.4rem}

/* ═══ UTILS ═══ */
.tc{text-align:center}
.mt1{margin-top:.5rem}.mt2{margin-top:1rem}.mt3{margin-top:1.5rem}.mt4{margin-top:2rem}.mt5{margin-top:2.5rem}
.mb2{margin-bottom:1rem}.mb3{margin-bottom:1.5rem}
.reg{width:44px;height:3px;background:var(--rot);border-radius:2px;margin:1.25rem 0}

@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}
.hero-l>*{animation:rise .55s var(--ease) both}
.hero-l>*:nth-child(2){animation-delay:.06s}
.hero-l>*:nth-child(3){animation-delay:.12s}
.hero-l>*:nth-child(4){animation-delay:.18s}
.hero-r{animation:rise .6s .2s var(--ease) both}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* ═══ RESPONSIVE ═══ */
@media(max-width:1024px){
.hero-in{grid-template-columns:1fr}
.hero-l{padding:56px 0}
.hero-r{margin-left:0;padding:44px 2rem}
.hero-r::before{display:none}
.prod-grid{grid-template-columns:1fr 1fr}
.ablauf{grid-template-columns:1fr 1fr}
.trust-in{flex-wrap:wrap}
.trust-i{flex:1 1 45%;border-left:none}
.foot-t{grid-template-columns:1fr 1fr}
.g2,.g2-side{grid-template-columns:1fr}
}
@media(max-width:768px){
.wrap,.wrap-sm{padding:0 22px}
.nav,.head-cta .b-rot{display:none}
.burg{display:flex}
.head-in{height:66px}
.brand img{height:46px}
.mob{inset:66px 0 0 0}
.hero h1{font-size:2rem}
h2.tit{font-size:1.7rem}
.phead h1{font-size:1.8rem}
.top-r{display:none}
.trust{display:none}
.feld-g{grid-template-columns:1fr}
.prod-grid{grid-template-columns:1fr}
.ablauf{grid-template-columns:1fr}
.foot-t{grid-template-columns:1fr;gap:2rem}
.rechner-res{grid-template-columns:1fr 1fr}
.g2-cta{grid-template-columns:1fr;text-align:center}
}
@media(max-width:480px){
.hero h1{font-size:1.75rem}
.form-b,.rechner-b{padding:1.35rem}
.rechner-res{grid-template-columns:1fr}
.hero-rate{font-size:2.6rem}
.hero-r{padding:36px 1.35rem}
.beisp-head,.beisp-l,.beisp-foot{padding-left:1.1rem;padding-right:1.1rem}
.stat-cell{padding:1.25rem 1rem}
.stat-num{font-size:1.6rem}
}