:root {
    --navy: #0d2137;
    --navy-mid: #163352;
    --navy-light: #1e4a75;
    --navy-dark: #091929;
    --gold: #c9a84c;
    --gold-light: #e8c97a;
    --gold-pale: #f5ecd4;
    --cream: #f8f5ef;
    --cream-dark: #ede8de;
    --white: #ffffff;
    --text-dark: #0d2137;
    --text-body: #3a4a5c;
    --text-muted: #6b7f93;
    --green: #2d7a4f;
    --green-light: #eaf5ef;
    --border: #d8d0c0;
    --shadow-sm: 0 2px 12px rgba(13, 33, 55, 0.08);
    --shadow-md: 0 4px 24px rgba(13, 33, 55, 0.12);
    --shadow-lg: 0 8px 48px rgba(13, 33, 55, 0.16);
    --radius: 10px;
}

*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Source Sans 3', sans-serif;
    background: var(--cream);
    color: var(--text-body);
    line-height: 1.65;
    overflow-x: hidden;
}

/* ─── ANIMATIONS ─────────────────────────────── */
@keyframes fadeUp {
    from {
        opacity: 0;
        transform: translateY(24px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes pulse-glow {

    0%,
    100% {
        box-shadow: 0 0 0 0 rgba(201, 168, 76, 0.4);
    }

    50% {
        box-shadow: 0 0 0 10px rgba(201, 168, 76, 0);
    }
}

@keyframes barGrow {
    from {
        width: 0;
    }

    to {
        width: var(--bar-w);
    }
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

.fade-up {
    animation: fadeUp 0.7s ease both;
}

.delay-1 {
    animation-delay: 0.1s;
}

.delay-2 {
    animation-delay: 0.22s;
}

.delay-3 {
    animation-delay: 0.36s;
}

.delay-4 {
    animation-delay: 0.50s;
}

.delay-5 {
    animation-delay: 0.64s;
}

/* ─── HEADER ─────────────────────────────────── */
header {
    background: var(--navy);
    position: sticky;
    top: 0;
    z-index: 200;
    transition: box-shadow 0.3s;
}

header.scrolled {
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.35);
}

.header-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 32px;
    height: 68px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}

.logo-icon {
    width: 34px;
    height: 34px;
    background: var(--gold);
    border-radius: 7px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-weight: 700;
    font-size: 17px;
    color: var(--navy);
    flex-shrink: 0;
}

.logo-text {
    font-family: 'Playfair Display', serif;
    font-size: 19px;
    font-weight: 600;
    color: var(--white);
    letter-spacing: -0.2px;
}

.logo-text span {
    color: var(--gold);
}

nav {
    display: flex;
    gap: 6px;
}

nav a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-size: 13.5px;
    font-weight: 500;
    padding: 6px 10px;
    border-radius: 6px;
    transition: color 0.2s, background 0.2s;
    white-space: nowrap;
}

nav a:hover {
    color: var(--gold-light);
    background: rgba(255, 255, 255, 0.06);
}

/* ─── HERO ───────────────────────────────────── */
.hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 45%, var(--navy-mid) 100%);
    padding: 72px 32px 80px;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -120px;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201, 168, 76, 0.1) 0%, transparent 65%);
    pointer-events: none;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: -80px;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(30, 74, 117, 0.6) 0%, transparent 70%);
    pointer-events: none;
}

.hero-inner {
    max-width: 1180px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 64px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(201, 168, 76, 0.15);
    border: 1px solid rgba(201, 168, 76, 0.35);
    color: var(--gold-light);
    font-size: 12.5px;
    font-weight: 600;
    letter-spacing: 0.6px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 24px;
}

.hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 3.5vw, 2.9rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.22;
    margin-bottom: 20px;
    letter-spacing: -0.5px;
}

.hero h1 em {
    color: var(--gold);
    font-style: normal;
}

.hero-sub {
    font-size: 16.5px;
    color: rgba(255, 255, 255, 0.72);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 520px;
}

.trust-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 12px;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.12);
    color: rgba(255, 255, 255, 0.8);
    font-size: 12.5px;
    font-weight: 500;
    padding: 5px 12px;
    border-radius: 6px;
}

.trust-badge span {
    color: var(--gold);
    font-size: 13px;
}

/* ─── HERO FORM CARD ─────────────────────────── */
.hero-form-card {
    background: var(--white);
    border-radius: 16px;
    padding: 36px 32px;
    box-shadow: var(--shadow-lg), 0 0 0 1px rgba(201, 168, 76, 0.15);
    position: relative;
}

.hero-form-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 32px;
    right: 32px;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    border-radius: 0 0 4px 4px;
}

.form-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
}

.form-subtitle {
    font-size: 13.5px;
    color: var(--text-muted);
    margin-bottom: 24px;
}

.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 6px;
    letter-spacing: 0.1px;
}

.form-group input:not([type="checkbox"]),
.form-group select {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    font-family: 'Source Sans 3', sans-serif;
    font-size: 14.5px;
    color: var(--text-dark);
    background: var(--cream);
    transition: border-color 0.2s, box-shadow 0.2s;
    outline: none;
    appearance: none;
}

.form-group input:not([type="checkbox"]):focus,
.form-group select:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.15);
    background: var(--white);
}

.form-group select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7f93' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 38px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.form-consent-group {
    margin-top: 4px;
    margin-bottom: 4px;
}

.consent-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
    font-size: 13px;
    color: var(--text-muted);
    line-height: 1.55;
}

.consent-label input[type="checkbox"] {
    width: 16px;
    height: 16px;
    min-width: 16px;
    margin-top: 2px;
    accent-color: var(--navy);
    cursor: pointer;
}

.consent-label a {
    color: var(--gold);
    text-decoration: underline;
}

.form-disclaimer {
    font-size: 11.5px;
    color: var(--text-muted);
    margin-top: 12px;
    line-height: 1.5;
    text-align: center;
}

.btn-primary {
    display: block;
    width: 100%;
    padding: 14px;
    background: var(--gold);
    color: var(--navy);
    font-family: 'Source Sans 3', sans-serif;
    font-size: 15px;
    font-weight: 700;
    border: none;
    border-radius: 9px;
    cursor: pointer;
    letter-spacing: 0.2px;
    transition: background 0.2s, transform 0.15s;
    animation: pulse-glow 2.5s ease-in-out infinite;
    margin-top: 4px;
}

.btn-primary:hover {
    background: var(--gold-light);
    transform: translateY(-1px);
}

.btn-primary:active {
    transform: translateY(0);
}

.btn-primary:disabled {
    opacity: 0.7;
    cursor: not-allowed;
    animation: none;
    transform: none;
}

/* Form states */
.form-spinner {
    display: none;
    width: 20px;
    height: 20px;
    border: 2px solid rgba(13, 33, 55, 0.2);
    border-top-color: var(--navy);
    border-radius: 50%;
    animation: spin 0.7s linear infinite;
    margin: 0 auto;
}

.form-success {
    display: none;
    text-align: center;
    padding: 24px 0 8px;
}

.form-success .success-icon {
    font-size: 44px;
    margin-bottom: 12px;
}

.form-success h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.25rem;
    color: var(--green);
    margin-bottom: 8px;
}

.form-success p {
    font-size: 14px;
    color: var(--text-muted);
}

.form-error-msg {
    display: none;
    background: #fff5f5;
    border: 1px solid #f5c6c6;
    color: #c0392b;
    font-size: 13px;
    padding: 10px 14px;
    border-radius: 8px;
    margin-top: 12px;
    text-align: center;
}

/* ─── SECTION COMMONS ────────────────────────── */
section {
    padding: 80px 32px;
}

.section-inner {
    max-width: 1180px;
    margin: 0 auto;
}

.section-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
}

.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.6rem, 2.5vw, 2.1rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.25;
    margin-bottom: 14px;
}

.section-intro {
    font-size: 16px;
    color: var(--text-muted);
    max-width: 640px;
    margin-bottom: 48px;
}

/* ─── COMPARISON TABLE ───────────────────────── */
#vergleich {
    background: var(--white);
}

.table-wrap {
    overflow-x: auto;
    border-radius: var(--radius);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border);
}

table {
    width: 100%;
    border-collapse: collapse;
    min-width: 700px;
}

thead tr {
    background: var(--navy);
}

thead th {
    padding: 15px 18px;
    text-align: left;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.7);
    white-space: nowrap;
}

tbody tr {
    border-bottom: 1px solid var(--cream-dark);
    transition: background 0.15s;
}

tbody tr:last-child {
    border-bottom: none;
}

tbody tr:hover {
    background: var(--gold-pale);
}

tbody tr.top-pick {
    background: #fffef7;
}

td {
    padding: 16px 18px;
    font-size: 14.5px;
    color: var(--text-dark);
    vertical-align: middle;
}

.bank-name {
    font-weight: 600;
    color: var(--navy);
    display: flex;
    align-items: center;
    gap: 8px;
}

.badge-emp {
    background: var(--gold);
    color: var(--navy);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.5px;
    padding: 2px 7px;
    border-radius: 4px;
    text-transform: uppercase;
    white-space: nowrap;
}

.rate {
    font-weight: 700;
    color: var(--green);
    font-size: 16px;
}

.btn-offer {
    display: inline-block;
    padding: 8px 18px;
    background: var(--navy);
    color: var(--white);
    font-size: 13px;
    font-weight: 600;
    border-radius: 7px;
    text-decoration: none;
    transition: background 0.2s, transform 0.15s;
    white-space: nowrap;
}

.btn-offer:hover {
    background: var(--navy-light);
    transform: translateY(-1px);
}

.table-note {
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 16px;
    line-height: 1.6;
}

/* ─── HOW IT WORKS ───────────────────────────── */
#wie-es-funktioniert {
    background: var(--cream);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.step-card {
    background: var(--white);
    border-radius: 14px;
    padding: 36px 28px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    position: relative;
    overflow: hidden;
    transition: box-shadow 0.2s, transform 0.2s;
}

.step-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.step-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

.step-num {
    font-family: 'Playfair Display', serif;
    font-size: 3rem;
    font-weight: 700;
    color: var(--cream-dark);
    line-height: 1;
    margin-bottom: 8px;
}

.step-icon {
    font-size: 2rem;
    margin-bottom: 14px;
    display: block;
}

.step-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--navy);
    margin-bottom: 10px;
}

.step-card p {
    font-size: 14.5px;
    color: var(--text-muted);
    line-height: 1.65;
}

/* ─── RATGEBER ───────────────────────────────── */
#ratgeber {
    background: var(--white);
}

.ratgeber-grid {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 60px;
    align-items: start;
}

.ratgeber-content p {
    font-size: 15.5px;
    color: var(--text-body);
    margin-bottom: 20px;
    line-height: 1.75;
}

.pull-quote {
    border-left: 4px solid var(--gold);
    padding: 16px 20px;
    background: var(--gold-pale);
    border-radius: 0 8px 8px 0;
    margin: 28px 0;
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    font-style: italic;
    color: var(--navy);
    line-height: 1.6;
}

.ratgeber-aside {
    display: flex;
    flex-direction: column;
    gap: 20px;
    position: sticky;
    top: 88px;
}

.aside-card {
    background: var(--cream);
    border-radius: var(--radius);
    padding: 24px;
    border: 1px solid var(--border);
}

.aside-card h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.aside-card ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.aside-card ul li {
    font-size: 14px;
    color: var(--text-body);
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding-bottom: 8px;
    border-bottom: 1px solid var(--border);
}

.aside-card ul li:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.aside-card ul li::before {
    content: '→';
    color: var(--gold);
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 1px;
}

/* ─── EINLAGENSICHERUNG ──────────────────────── */
#einlagensicherung {
    background: var(--cream);
}

.sicherheit-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
    margin-bottom: 28px;
}

.sicherheit-text p {
    font-size: 15.5px;
    color: var(--text-body);
    margin-bottom: 16px;
    line-height: 1.75;
}

.green-callout {
    background: var(--green-light);
    border: 1px solid rgba(45, 122, 79, 0.25);
    border-left: 4px solid var(--green);
    border-radius: 0 8px 8px 0;
    padding: 16px 20px;
    font-size: 14.5px;
    color: var(--green);
    font-weight: 500;
    line-height: 1.6;
    margin-bottom: 28px;
}

.sicherheit-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.sicherheit-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 24px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    text-align: center;
}

.sicherheit-card .s-icon {
    font-size: 2rem;
    margin-bottom: 12px;
    display: block;
}

.sicherheit-card h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 8px;
}

.sicherheit-card p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ─── ZINSENTWICKLUNG ────────────────────────── */
#zinsentwicklung {
    background: var(--white);
}

.chart-wrap {
    background: var(--cream);
    border-radius: 14px;
    padding: 36px;
    border: 1px solid var(--border);
    margin-bottom: 32px;
}

.chart-title {
    font-size: 13px;
    font-weight: 600;
    color: var(--text-muted);
    letter-spacing: 0.5px;
    margin-bottom: 28px;
    text-transform: uppercase;
}

.bar-chart {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.bar-row {
    display: grid;
    grid-template-columns: 52px 1fr 52px;
    align-items: center;
    gap: 14px;
}

.bar-year {
    font-size: 13px;
    font-weight: 600;
    color: var(--text-muted);
    text-align: right;
}

.bar-track {
    background: var(--cream-dark);
    border-radius: 100px;
    height: 28px;
    overflow: hidden;
    position: relative;
}

.bar-fill {
    height: 100%;
    border-radius: 100px;
    background: var(--navy);
    animation: barGrow 1.2s cubic-bezier(0.4, 0, 0.2, 1) both;
    display: flex;
    align-items: center;
    padding-left: 10px;
    min-width: 28px;
}

.bar-fill.highlight {
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

.bar-fill span {
    font-size: 11.5px;
    font-weight: 700;
    color: var(--white);
    white-space: nowrap;
}

.bar-fill.highlight span {
    color: var(--navy);
}

.bar-val {
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
}

.chart-note {
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 16px;
    font-style: italic;
}

.zinsentwicklung-text p {
    font-size: 15.5px;
    color: var(--text-body);
    line-height: 1.75;
    margin-bottom: 16px;
}

/* ─── FAQ ────────────────────────────────────── */
#faq {
    background: var(--cream);
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 10px;
    max-width: 820px;
}

.faq-item input[type="checkbox"] {
    display: none;
}

.faq-item label {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 18px 22px;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    cursor: pointer;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    transition: border-color 0.2s, background 0.2s;
}

.faq-item label:hover {
    border-color: var(--gold);
    background: var(--gold-pale);
}

.faq-item label::after {
    content: '+';
    font-size: 22px;
    font-weight: 300;
    color: var(--gold);
    flex-shrink: 0;
    transition: transform 0.3s;
    line-height: 1;
}

.faq-item input:checked~label::after {
    transform: rotate(45deg);
}

.faq-item input:checked~label {
    border-color: var(--gold);
    border-bottom-color: transparent;
    border-radius: var(--radius) var(--radius) 0 0;
    background: var(--gold-pale);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    background: var(--gold-pale);
    border: 1.5px solid var(--gold);
    border-top: none;
    border-radius: 0 0 var(--radius) var(--radius);
}

.faq-item input:checked~.faq-answer {
    max-height: 300px;
}

.faq-answer p {
    padding: 18px 22px;
    font-size: 14.5px;
    color: var(--text-body);
    line-height: 1.72;
}

/* ─── ÜBER UNS ───────────────────────────────── */
#ueber-uns {
    background: var(--navy);
    color: var(--white);
}

#ueber-uns .section-title {
    color: var(--white);
}

#ueber-uns .section-intro {
    color: rgba(255, 255, 255, 0.65);
    max-width: 700px;
}

.ueber-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
    margin-bottom: 52px;
}

.ueber-text p {
    font-size: 15.5px;
    color: rgba(255, 255, 255, 0.75);
    line-height: 1.75;
    margin-bottom: 18px;
}

.trust-metrics {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.metric-card {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius);
    padding: 24px;
    text-align: center;
    transition: background 0.2s;
}

.metric-card:hover {
    background: rgba(255, 255, 255, 0.1);
}

.metric-icon {
    font-size: 2rem;
    margin-bottom: 10px;
    display: block;
}

.metric-card h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    color: var(--gold-light);
    margin-bottom: 4px;
}

.metric-card p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.55);
}

/* ─── FOOTER ─────────────────────────────────── */
footer {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.6);
    padding: 60px 32px 0;
}

.footer-inner {
    max-width: 1180px;
    margin: 0 auto;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand .logo {
    margin-bottom: 14px;
}

.footer-brand p {
    font-size: 13.5px;
    line-height: 1.65;
    max-width: 260px;
}

.footer-links h5 {
    font-family: 'Playfair Display', serif;
    font-size: 0.95rem;
    color: var(--white);
    margin-bottom: 16px;
}

.footer-links ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 9px;
}

.footer-links ul li a {
    color: rgba(255, 255, 255, 0.55);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.2s;
}

.footer-links ul li a:hover {
    color: var(--gold-light);
}

.footer-bottom {
    padding: 20px 0;
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
}

.footer-copy {
    font-size: 12.5px;
}

.footer-disclaimer {
    font-size: 11.5px;
    color: rgba(255, 255, 255, 0.35);
    max-width: 560px;
    line-height: 1.55;
    text-align: right;
}

/* ─── RESPONSIVE ─────────────────────────────── */
@media (max-width: 1024px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-form-card {
        max-width: 560px;
    }

    .ratgeber-grid {
        grid-template-columns: 1fr;
    }

    .ratgeber-aside {
        position: static;
        flex-direction: row;
        flex-wrap: wrap;
    }

    .aside-card {
        flex: 1;
        min-width: 240px;
    }

    .sicherheit-grid {
        grid-template-columns: 1fr;
    }

    .ueber-content {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-top {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    section {
        padding: 56px 20px;
    }

    .header-inner {
        padding: 0 20px;
    }

    nav {
        display: none;
    }

    .hero {
        padding: 52px 20px 60px;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .sicherheit-cards {
        grid-template-columns: 1fr;
    }

    .trust-metrics {
        grid-template-columns: 1fr 1fr;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-bottom {
        flex-direction: column;
    }

    .footer-disclaimer {
        text-align: left;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .bar-row {
        grid-template-columns: 44px 1fr 44px;
    }
}