/* Braun Versicherungsmakler GmbH – Webseite */
:root {
  --navy: #1F3D55;
  --navy-2: #173149;
  --navy-3: #10263B;
  --gold: #B0814F;
  --gold-d: #946A3D;
  --gold-l: #F4EBDF;
  --grey: #5C6B76;
  --text: #1A2530;
  --line: #DCE3E9;
  --bg: #FFFFFF;
  --soft: #F3F6F8;
  --bg-soft: #F3F6F8;
  --radius: 8px;
  --shadow: 0 1px 2px rgba(16,38,59,.06), 0 6px 18px rgba(16,38,59,.08);
  --shadow-h: 0 2px 4px rgba(16,38,59,.08), 0 14px 30px rgba(16,38,59,.14);
  --serif: Georgia, "Times New Roman", serif;
  --sans: -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; background: var(--bg); color: var(--text); font-family: var(--sans); font-size: 17px; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: var(--navy); text-underline-offset: 3px; }
a:hover { color: var(--gold-d); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: #fff; padding: 8px 12px; z-index: 100; }
.ico { width: 24px; height: 24px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy-3); color: #C9D4DE; font-size: 14px; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; min-height: 40px; gap: 16px; }
.topbar a { color: #E4EBF1; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: #fff; }
.topbar .seg a { padding: 9px 14px; border-bottom: 2px solid transparent; }
.topbar .seg a:first-child { padding-left: 0; }
.topbar .seg a.on { border-bottom-color: var(--gold); color: #fff; }
.topbar .meta { display: flex; gap: 22px; }
.topbar .ico { width: 17px; height: 17px; }

/* ---------- Header ---------- */
.header { background: #fff; position: sticky; top: 0; z-index: 50; box-shadow: 0 1px 0 var(--line); }
.header .wrap { display: flex; align-items: center; gap: 32px; min-height: 84px; }
.header .logo img { height: 56px; width: auto; }
.nav { display: flex; align-items: stretch; gap: 4px; margin-left: 8px; flex: 1; }
.nav > .item { position: static; }
.nav > .item > a, .nav > .item > button {
  display: flex; align-items: center; gap: 6px; height: 84px; padding: 0 14px; font: inherit; font-size: 16px; font-weight: 600;
  color: var(--text); background: none; border: 0; border-bottom: 3px solid transparent; cursor: pointer; text-decoration: none;
}
.nav > .item > button .chev { width: 14px; height: 14px; transition: transform .2s; }
.nav > .item:hover > button, .nav > .item.open > button, .nav > .item > a:hover { color: var(--navy); border-bottom-color: var(--gold); }
.nav > .item.open > button .chev { transform: rotate(180deg); }
.mega {
  position: absolute; left: 0; right: 0; top: 100%; background: #fff; box-shadow: 0 18px 30px rgba(16,38,59,.14);
  border-top: 1px solid var(--line); display: none; padding: 30px 0 34px;
}
.item.open .mega { display: block; }
.mega .cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.mega h4 { margin: 0 0 10px; font-size: 13px; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-d); }
.mega ul { list-style: none; margin: 0; padding: 0; }
.mega li a { display: block; padding: 5px 0; color: var(--text); text-decoration: none; font-size: 15.5px; }
.mega li a:hover { color: var(--navy); text-decoration: underline; }
.mega .promo { background: var(--soft); border-radius: var(--radius); padding: 20px; }
.mega .promo p { margin: 0 0 12px; font-size: 15px; color: var(--grey); }
.header .cta { margin-left: auto; white-space: nowrap; }
.burger { display: none; margin-left: auto; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--navy); }
.burger .ico { width: 28px; height: 28px; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 22px; border-radius: 999px; font-weight: 600; font-size: 16px; text-decoration: none; border: 2px solid transparent; cursor: pointer; font-family: inherit; line-height: 1.2; }
.btn .ico { width: 18px; height: 18px; }
.btn.gold { background: var(--gold); color: #fff; }
.btn.gold:hover { background: var(--gold-d); color: #fff; }
.btn.navy { background: var(--navy); color: #fff; }
.btn.navy:hover { background: var(--navy-3); color: #fff; }
.btn.line { border-color: var(--navy); color: var(--navy); background: #fff; }
.btn.line:hover { background: var(--navy); color: #fff; }
.btn.ghost { border-color: rgba(255,255,255,.7); color: #fff; }
.btn.ghost:hover { background: #fff; color: var(--navy); }
.btn.small { padding: 10px 18px; font-size: 15px; }
.more { font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.more::after { content: "→"; transition: transform .2s; }
.more:hover::after { transform: translateX(3px); }

/* ---------- Hero ---------- */
.hero { position: relative; color: #fff; background: var(--navy-3); overflow: hidden; }
.hero .bg { position: absolute; inset: 0; background-size: cover; background-position: center 60%; }
.hero .bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(16,38,59,.94) 0%, rgba(16,38,59,.78) 42%, rgba(16,38,59,.18) 75%, rgba(16,38,59,.05) 100%); }
.hero .wrap { position: relative; padding-top: 96px; padding-bottom: 150px; }
.eyebrow { font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: #E2C79F; margin: 0 0 16px; font-weight: 600; }
.hero h1 { font-family: var(--serif); font-weight: normal; font-size: clamp(34px, 5vw, 56px); line-height: 1.1; margin: 0 0 20px; max-width: 640px; }
.hero p.lead { font-size: 19px; max-width: 560px; margin: 0 0 32px; color: #E3EAF0; }
.btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* Quick service (überlappt Hero) */
.quick { position: relative; z-index: 2; margin-top: -78px; }
.quick .grid { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-h); overflow: hidden; }
.quick a { display: flex; align-items: center; gap: 14px; padding: 24px 22px; text-decoration: none; color: var(--text); border-right: 1px solid var(--line); transition: background .2s; }
.quick a:last-child { border-right: 0; }
.quick a:hover { background: var(--gold-l); }
.quick .ic { width: 48px; height: 48px; border-radius: 50%; background: var(--gold-l); color: var(--gold-d); display: grid; place-items: center; flex: none; }
.quick a:hover .ic { background: #fff; }
.quick strong { display: block; font-size: 16px; color: var(--navy); }
.quick span.s { display: block; font-size: 14px; line-height: 1.4; color: var(--grey); }
.quick strong { line-height: 1.3; margin-bottom: 2px; }

/* ---------- Sections ---------- */
section { padding: 84px 0; }
section.soft { background: var(--soft); }
section.dark { background: var(--navy); color: #fff; }
.sec-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; margin-bottom: 36px; flex-wrap: wrap; }
.sec-head h2, h2.t { font-family: var(--serif); font-weight: normal; font-size: clamp(28px, 3.6vw, 40px); line-height: 1.15; color: var(--navy); margin: 0; }
.dark .sec-head h2, .dark h2.t { color: #fff; }
.sec-head p { margin: 8px 0 0; color: var(--grey); max-width: 620px; }
.dark .sec-head p { color: #C9D4DE; }
.kicker { font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-d); font-weight: 700; margin: 0 0 10px; }
.dark .kicker { color: #E2C79F; }

/* Produktkacheln */
.tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px 22px; text-decoration: none; color: var(--text); display: flex; flex-direction: column; gap: 10px; transition: box-shadow .2s, transform .2s, border-color .2s; }
.tile:hover { box-shadow: var(--shadow-h); transform: translateY(-2px); border-color: transparent; color: var(--text); }
.tile .ic { width: 52px; height: 52px; border-radius: 12px; background: var(--soft); color: var(--navy); display: grid; place-items: center; }
.tile .ic .ico { width: 28px; height: 28px; }
.tile h3 { margin: 4px 0 0; font-size: 18px; color: var(--navy); }
.tile p { margin: 0; font-size: 15px; color: var(--grey); flex: 1; }
.tile .more { font-size: 15px; color: var(--gold-d); }
.dark .tile { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.14); color: #fff; }
.dark .tile:hover { background: rgba(255,255,255,.1); color: #fff; }
.dark .tile .ic { background: rgba(255,255,255,.1); color: #E2C79F; }
.dark .tile h3 { color: #fff; }
.dark .tile p { color: #C9D4DE; }
.dark .tile .more { color: #E2C79F; }

/* Banner mit Bild */
.banner { display: grid; grid-template-columns: 1.05fr 1fr; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.banner .img { background-size: cover; background-position: center; min-height: 340px; }
.banner .txt { padding: 48px 48px; display: flex; flex-direction: column; justify-content: center; }
.banner h2 { font-family: var(--serif); font-weight: normal; font-size: clamp(26px, 3vw, 36px); color: var(--navy); margin: 0 0 14px; line-height: 1.15; }
.banner ul { margin: 0 0 26px; padding: 0; list-style: none; }
.banner li { padding-left: 28px; position: relative; margin: 6px 0; }
.banner li::before { content: ""; position: absolute; left: 2px; top: 8px; width: 14px; height: 8px; border-left: 2.5px solid var(--gold); border-bottom: 2.5px solid var(--gold); transform: rotate(-45deg); }

/* Service-Karten */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; display: flex; flex-direction: column; }
.card .pic { aspect-ratio: 4/3; background-size: cover; background-position: center; }
.card .pad { padding: 22px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.card .ic { color: var(--gold-d); }
.card h3 { margin: 0; font-size: 18px; color: var(--navy); }
.card p { margin: 0; font-size: 15px; color: var(--grey); flex: 1; }
.card .big { font-size: 20px; font-weight: 700; color: var(--navy); text-decoration: none; }

/* Schritte */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: s; }
.step { position: relative; padding-top: 64px; }
.step::before { counter-increment: s; content: counter(s); position: absolute; top: 0; left: 0; width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; font-size: 18px; display: grid; place-items: center; }
.step::after { content: ""; position: absolute; top: 23px; left: 60px; right: -14px; height: 2px; background: repeating-linear-gradient(90deg, var(--gold) 0 6px, transparent 6px 12px); }
.step:last-child::after { display: none; }
.step h3 { margin: 0 0 6px; font-size: 19px; color: var(--navy); }
.step p { margin: 0; color: var(--grey); font-size: 15.5px; }

/* Werte */
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid rgba(255,255,255,.18); }
.values > div { padding: 30px 28px 6px 0; }
.values strong { display: block; font-family: var(--serif); font-weight: normal; font-size: 34px; color: #E2C79F; line-height: 1.1; margin-bottom: 8px; }
.values p { margin: 0; color: #C9D4DE; font-size: 15.5px; }

/* Über uns */
.about { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: center; }
.about .photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.about .photo img { width: 100%; height: auto; }
.about p { color: #2F3B46; }
.people { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 22px; }
.about .person { border-left: 3px solid var(--gold); padding: 4px 0 4px 14px; }
.about .person strong { display: block; color: var(--navy); }
.about .person span { font-size: 14.5px; color: var(--grey); }

/* Hotlines */
.hotlines { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 28px; }
.hotline { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 26px; display: flex; gap: 18px; align-items: flex-start; }
.hotline .ic { width: 52px; height: 52px; border-radius: 50%; background: var(--gold-l); color: var(--gold-d); display: grid; place-items: center; flex: none; }
.hotline h3 { margin: 0 0 4px; color: var(--navy); font-size: 18px; }
.hotline p { margin: 0 0 12px; color: var(--grey); font-size: 15px; }
.hotline .tel { font-size: 22px; font-weight: 700; color: var(--navy); text-decoration: none; display: block; margin-bottom: 12px; }

/* Schaden-Schritte */
.dmg { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.dmg > div { background: #fff; border-radius: var(--radius); padding: 24px; border-top: 3px solid var(--gold); box-shadow: var(--shadow); }
.dmg h3 { margin: 0 0 6px; font-size: 17px; color: var(--navy); }
.dmg p { margin: 0; font-size: 15px; color: var(--grey); }

/* Dokumente */
.docs { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.doc { display: flex; gap: 16px; align-items: center; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.doc .ic { color: var(--navy); }
.doc .t { flex: 1; min-width: 0; }
.doc strong { display: block; color: var(--navy); }
.doc span { font-size: 14px; color: var(--grey); }
.doc .acts { display: flex; gap: 14px; white-space: nowrap; font-size: 15px; font-weight: 600; }
.doc .acts a { text-decoration: none; }

/* Kontakt */
.contact { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; }
.formbox { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 34px; }
.f-row { display: flex; gap: 16px; }
.f { margin: 0 0 16px; flex: 1; min-width: 0; }
.f label { display: block; font-size: 14px; color: var(--grey); font-weight: 600; margin: 0 0 6px; }
.f input, .f select, .f textarea { width: 100%; font: inherit; color: var(--text); padding: 11px 12px; border: 1px solid #B9C4CD; border-radius: 6px; background: #fff; min-height: 46px; }
.f textarea { min-height: 110px; resize: vertical; }
.f input:focus, .f select:focus, .f textarea:focus { border-color: var(--navy); outline: 2px solid rgba(31,61,85,.18); }
.f .invalid, .invalid { border-color: #B3261E !important; }
.chk { display: flex; gap: 10px; align-items: flex-start; font-size: 15px; margin: 4px 0 14px; cursor: pointer; }
.chk input { width: 19px; height: 19px; margin-top: 3px; accent-color: var(--navy); flex: none; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.msg { border-radius: 6px; padding: 12px 16px; margin: 0 0 16px; font-size: 15px; }
.msg.err { background: #FFF4F2; border-left: 3px solid #B3261E; color: #6B1B16; }
.msg.ok { background: #EEF7F0; border-left: 3px solid #2E7D4F; color: #1D4D31; }
.small { font-size: 13.5px; color: var(--grey); }
.info { display: flex; flex-direction: column; gap: 18px; }
.info .row { display: flex; gap: 14px; align-items: flex-start; }
.info .row .ic { color: var(--gold-d); margin-top: 2px; }
.info strong { color: var(--navy); display: block; }
.map { position: relative; border-radius: var(--radius); overflow: hidden; background: #E6ECF1; aspect-ratio: 4/3; }
.map iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.map .ph { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; gap: 12px; padding: 22px; font-size: 14.5px; color: var(--grey);
  background: linear-gradient(rgba(243,246,248,.9), rgba(243,246,248,.9)), repeating-linear-gradient(45deg, #DCE3E9 0 2px, transparent 2px 14px); }

/* ---------- Footer ---------- */
.footer { background: var(--navy-3); color: #B9C6D2; font-size: 15px; padding: 64px 0 0; }
.footer .cols { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 32px; padding-bottom: 44px; }
.footer h4 { color: #fff; font-size: 15px; margin: 0 0 14px; letter-spacing: .02em; }
.footer ul { list-style: none; margin: 0; padding: 0; }
.footer li { margin: 0 0 8px; }
.footer a { color: #D5DEE6; text-decoration: none; }
.footer a:hover { color: #fff; text-decoration: underline; }
.footer .brand img { height: 52px; width: auto; margin-bottom: 18px; }
.footer .brand p { margin: 0 0 6px; }
.footer .legal { border-top: 1px solid rgba(255,255,255,.12); padding: 20px 0 26px; display: flex; justify-content: space-between; gap: 18px; flex-wrap: wrap; font-size: 13.5px; }
.footer .legal nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer .legal button { background: none; border: 0; color: #D5DEE6; font: inherit; cursor: pointer; padding: 0; }
.footer .legal button:hover { color: #fff; text-decoration: underline; }

/* ---------- Unterseiten (Rechtstexte, Formular) ---------- */
.pagehead { background: var(--soft); padding: 46px 0 40px; border-bottom: 1px solid var(--line); }
.crumbs { font-size: 14px; color: var(--grey); margin: 0 0 12px; }
.crumbs a { color: var(--grey); }
.pagehead h1 { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: clamp(30px, 4vw, 44px); margin: 0 0 8px; line-height: 1.15; }
.pagehead p { margin: 0; color: var(--grey); max-width: 760px; }
.legal { padding: 48px 0 84px; }
.legal .wrap { max-width: 860px; }
.legal h2 { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: 24px; margin: 38px 0 12px; }
.legal p, .legal li { color: #24313C; }
.legal table { border-collapse: collapse; width: 100%; }
.legal th, .legal td { text-align: left; vertical-align: top; padding: 12px 0; border-bottom: 1px solid var(--line); }
.legal th { width: 32%; color: var(--grey); font-weight: 600; font-size: 14px; text-transform: uppercase; letter-spacing: .05em; padding-right: 20px; }
.note { background: var(--soft); border-left: 3px solid var(--gold); padding: 16px 20px; margin: 24px 0; border-radius: 0 6px 6px 0; }

/* ---------- Cookie-Einwilligung ---------- */
.cc-overlay { position: fixed; inset: 0; background: rgba(10,22,34,.55); z-index: 200; display: flex; align-items: center; justify-content: center; padding: 16px; }
.cc-overlay[hidden] { display: none; }
.cc { background: #fff; border-radius: 12px; max-width: 560px; width: 100%; max-height: calc(100vh - 32px); overflow: auto; box-shadow: 0 24px 60px rgba(0,0,0,.3); padding: 30px 30px 24px; }
.cc .top { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.cc .top img { height: 36px; width: auto; }
.cc h2 { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: 24px; margin: 0 0 10px; }
.cc p { font-size: 15px; color: #33414D; margin: 0 0 14px; }
.cc .opts { border: 1px solid var(--line); border-radius: 8px; margin: 0 0 18px; }
.cc .opt { display: flex; gap: 14px; align-items: flex-start; padding: 14px 16px; border-bottom: 1px solid var(--line); }
.cc .opt:last-child { border-bottom: 0; }
.cc .opt strong { display: block; color: var(--navy); font-size: 15.5px; }
.cc .opt span { display: block; font-size: 14px; color: var(--grey); }
.cc .opt .sw { margin-left: auto; flex: none; }
.sw { position: relative; width: 46px; height: 26px; }
.sw input { opacity: 0; width: 100%; height: 100%; position: absolute; margin: 0; cursor: pointer; z-index: 1; }
.sw span.k { position: absolute; inset: 0; background: #C3CDD6; border-radius: 13px; transition: background .2s; }
.sw span.k::after { content: ""; position: absolute; left: 3px; top: 3px; width: 20px; height: 20px; border-radius: 50%; background: #fff; transition: transform .2s; box-shadow: 0 1px 3px rgba(0,0,0,.2); }
.sw input:checked + span.k { background: var(--navy); }
.sw input:checked + span.k::after { transform: translateX(20px); }
.sw input:disabled + span.k { background: #8FA3B4; }
.sw input:focus-visible + span.k { outline: 3px solid var(--gold); outline-offset: 2px; }
.cc .acts { display: flex; gap: 10px; flex-wrap: wrap; }
.cc .acts .btn { flex: 1 1 auto; justify-content: center; white-space: nowrap; padding: 12px 16px; font-size: 15px; }
.cc .links { margin: 14px 0 0; font-size: 13.5px; text-align: center; }
.cc .links a { color: var(--grey); margin: 0 8px; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .tiles { grid-template-columns: repeat(3, 1fr); }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .quick .grid { grid-template-columns: repeat(2, 1fr); }
  .quick a:nth-child(2) { border-right: 0; }
  .quick a:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .header .cta { display: none; }
}
@media (max-width: 900px) {
  .burger { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: #fff; flex-direction: column; gap: 0; margin: 0; box-shadow: 0 18px 30px rgba(16,38,59,.14); max-height: calc(100vh - 124px); overflow: auto; padding: 8px 0 18px; }
  .header.navopen .nav { display: flex; }
  .nav > .item > a, .nav > .item > button { height: auto; width: 100%; padding: 16px 24px; border-bottom: 1px solid var(--line); justify-content: space-between; }
  .nav > .item:hover > button { border-bottom-color: var(--line); }
  .mega { position: static; box-shadow: none; padding: 6px 24px 16px; border-top: 0; background: var(--soft); }
  .mega .cols { grid-template-columns: 1fr 1fr; gap: 14px 20px; }
  .mega .cols > div { min-width: 0; }
  .mega .wrap { padding: 0; }
  .mega .promo { display: none; }
  .nav .m-cta { display: block; padding: 18px 24px 0; }
  .banner, .about, .contact { grid-template-columns: 1fr; }
  .banner .img { min-height: 240px; }
  .banner .txt { padding: 32px 26px; }
  .steps, .values, .dmg, .hotlines, .docs { grid-template-columns: 1fr; }
  .step::after { display: none; }
  .footer .cols { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 901px) { .nav .m-cta { display: none; } }
@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .topbar .seg a { padding: 9px 8px; }
  .topbar .meta .hide-s { display: none; }
  .topbar .meta .lbl { display: none; }
  .topbar .meta { gap: 18px; }
  .topbar .meta .ico { width: 20px; height: 20px; }
  .topbar .seg a { white-space: nowrap; }
  .mega .cols { grid-template-columns: 1fr; }
  .header .wrap { min-height: 70px; }
  .header .logo img { height: 46px; }
  .hero .wrap { padding-top: 56px; padding-bottom: 120px; }
  .hero .bg::after { background: linear-gradient(180deg, rgba(16,38,59,.75), rgba(16,38,59,.92)); }
  .quick .grid { grid-template-columns: 1fr; }
  .quick a { border-right: 0; border-bottom: 1px solid var(--line); padding: 18px; }
  .quick a:last-child { border-bottom: 0; }
  section { padding: 60px 0; }
  .tiles, .cards { grid-template-columns: 1fr; }
  .tile { flex-direction: row; flex-wrap: wrap; align-items: center; padding: 18px; }
  .tile h3 { margin: 0; flex: 1; }
  .tile p { flex-basis: 100%; }
  .f-row { flex-direction: column; gap: 0; }
  .formbox { padding: 22px 18px; }
  .people { grid-template-columns: 1fr; }
  .doc { flex-wrap: wrap; }
  .footer .cols { grid-template-columns: 1fr; }
  .cc { padding: 22px 18px 18px; }
  .legal th, .legal td { display: block; width: 100%; padding: 4px 0; border: 0; }
  .legal tr { display: block; padding: 10px 0; border-bottom: 1px solid var(--line); }
}
.footer .legal nav { align-items: center; }
.footer .legal .wbtn { border: 1px solid rgba(255,255,255,.45); padding: 5px 12px; border-radius: 2px; color: #fff; }
.footer .legal .wbtn:hover { background: rgba(255,255,255,.1); text-decoration: none; }

/* ============ Produktseiten ============ */
.ico.arr { width: 16px; height: 16px; vertical-align: -3px; transition: transform .2s; }
.tile:hover .ico.arr { transform: translateX(3px); }
.tiles.t3 { grid-template-columns: repeat(3, 1fr); }
.phero { background: radial-gradient(1200px 400px at 85% -10%, #E7EEF4 0%, rgba(231,238,244,0) 60%), linear-gradient(180deg, #F6F8FA, #EEF3F7); padding: 40px 0 56px; border-bottom: 1px solid var(--line); }
.phero h1 { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: clamp(32px, 4.4vw, 50px); line-height: 1.1; margin: 0 0 14px; }
.phero .lead { font-size: clamp(17px, 1.6vw, 20px); color: #33434F; max-width: 640px; margin: 0 0 26px; }
.phero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; align-items: start; margin-top: 10px; }
.pbadge { display: inline-grid; place-items: center; width: 76px; height: 76px; border-radius: 20px; background: linear-gradient(145deg, var(--navy), #2C5878); color: #fff; box-shadow: 0 10px 24px rgba(31,61,85,.25); margin-bottom: 18px; }
.pbadge .ico { width: 40px; height: 40px; stroke-width: 1.5; }
.pbadge::after { content: ''; }
.pbadge.light { background: rgba(255,255,255,.12); box-shadow: none; width: 60px; height: 60px; border-radius: 16px; }
.pbadge.light .ico { width: 32px; height: 32px; color: #E2C79F; }
.glance { background: #fff; border-radius: 14px; box-shadow: var(--shadow); padding: 28px 28px 22px; border-top: 4px solid var(--gold); }
.glance h2 { display: flex; align-items: center; gap: 10px; font-size: 18px; color: var(--navy); margin: 0 0 10px; }
.glance h2 .ico { color: var(--gold); }
.glance p { color: #33434F; font-size: 15.5px; margin: 0 0 16px; }
.glance h3 { font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-d); margin: 0 0 8px; }
.ticks { list-style: none; margin: 0; padding: 0; }
.ticks li { display: flex; gap: 10px; align-items: flex-start; margin: 0 0 8px; font-size: 15.5px; }
.ticks li .ico { width: 20px; height: 20px; color: #2E8B4A; margin-top: 2px; stroke-width: 2.2; }
.ticks.big li { font-size: 16.5px; margin: 0 0 14px; padding: 0 0 14px; border-bottom: 1px solid var(--line); }
.ticks.big li:last-child { border-bottom: 0; }
.ticks.big li .ico { width: 22px; height: 22px; color: var(--gold); flex: none; }

.feats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.feat { display: flex; gap: 16px; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 22px; transition: box-shadow .2s, transform .2s; }
.feat:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.feat .fic { flex: none; width: 50px; height: 50px; border-radius: 14px; background: var(--gold-l); color: var(--gold-d); display: grid; place-items: center; }
.feat .fic .ico { width: 26px; height: 26px; }
.feat h3 { margin: 2px 0 4px; font-size: 17px; color: var(--navy); }
.feat p { margin: 0; font-size: 15px; color: var(--grey); }

.opts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.opt-card { display: flex; gap: 14px; background: #fff; border-radius: 12px; padding: 18px 20px; border: 1px solid var(--line); }
.opt-card.rec { border-color: #E3CFB5; box-shadow: inset 4px 0 0 var(--gold); }
.opt-card .oic { flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; }
.opt-card .oic .ico { width: 18px; height: 18px; stroke-width: 2.4; }
.opt-card h3 { margin: 4px 0 4px; font-size: 16.5px; color: var(--navy); display: flex; flex-wrap: wrap; align-items: center; gap: 8px; }
.opt-card p { margin: 0; font-size: 15px; color: var(--grey); }
.badge { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 700; letter-spacing: .02em; color: var(--gold-d); background: var(--gold-l); border-radius: 20px; padding: 3px 9px 3px 7px; }
.badge .ico { width: 13px; height: 13px; fill: currentColor; stroke-width: 1.2; }
.badge.inline { vertical-align: 1px; }

.pcols { display: grid; grid-template-columns: 1.4fr 1fr; gap: 56px; align-items: start; }
.pcols h2.t { margin-bottom: 26px; }
.cta-card { background: linear-gradient(160deg, var(--navy), var(--navy-3)); color: #DCE5ED; border-radius: 16px; padding: 32px 30px; display: flex; flex-direction: column; gap: 12px; position: sticky; top: 110px; }
.cta-card h3 { color: #fff; font-family: var(--serif); font-weight: normal; font-size: 26px; margin: 0; }
.cta-card p { margin: 0 0 6px; font-size: 15.5px; }
.cta-card .btn { justify-content: center; }
.cta-card .small { font-size: 15px; display: flex; align-items: center; gap: 8px; margin: 6px 0 0; }
.cta-card .small a { color: #fff; }
.cta-card .small .ico { width: 18px; height: 18px; color: #E2C79F; }

.wrap.narrow { max-width: 900px; }
.faqs { display: grid; gap: 10px; }
.faq { background: #fff; border: 1px solid var(--line); border-radius: 10px; }
.faq summary { list-style: none; cursor: pointer; padding: 18px 22px; font-weight: 600; color: var(--navy); display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .chev { transition: transform .2s; color: var(--gold-d); }
.faq[open] summary .chev { transform: rotate(180deg); }
.faq p { margin: 0; padding: 0 22px 20px; color: #33434F; }
.hinweis { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: var(--grey); margin: 24px 0 0; }
.hinweis .ico { width: 18px; height: 18px; flex: none; margin-top: 2px; }

.jump { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.jump a { display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--line); border-radius: 30px; padding: 9px 16px; text-decoration: none; color: var(--navy); font-weight: 600; font-size: 15px; }
.jump a:hover { border-color: var(--navy); }
.jump a .ico { width: 18px; height: 18px; color: var(--gold-d); }
h2.gh { display: flex; align-items: center; gap: 14px; font-family: var(--serif); font-weight: normal; font-size: clamp(26px, 3vw, 34px); color: var(--navy); margin: 0; }
.gic { width: 48px; height: 48px; border-radius: 14px; background: var(--gold-l); color: var(--gold-d); display: inline-grid; place-items: center; }
.gic .ico { width: 26px; height: 26px; }
.mega-all { margin: 14px 0 0; padding-top: 12px; border-top: 1px solid var(--line); }
.mega-all a { font-weight: 600; color: var(--navy); text-decoration: none; }
.mega-all a:hover { color: var(--gold-d); }

@media (max-width: 1000px) {
  .feats { grid-template-columns: repeat(2, 1fr); }
  .phero-grid, .pcols { grid-template-columns: 1fr; gap: 28px; }
  .cta-card { position: static; }
  .tiles.t3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .feats, .opts, .tiles.t3 { grid-template-columns: 1fr; }
  .phero { padding: 28px 0 36px; }
  .pbadge { width: 62px; height: 62px; border-radius: 16px; }
  .pbadge .ico { width: 32px; height: 32px; }
  .glance { padding: 22px 20px 16px; }
}
.btn.dual { line-height: 1.15; padding-top: 9px; padding-bottom: 9px; }
.btn.dual span { display: flex; flex-direction: column; align-items: flex-start; }
.btn.dual small { font-size: 12.5px; font-weight: 500; opacity: .9; }
.btn .ico.ext { width: 15px; height: 15px; opacity: .85; }
.hero .btns .btn.gold { box-shadow: 0 4px 14px rgba(0,0,0,.18); }

/* ---------- Bildergalerie „Über uns“ ---------- */
.gallery { margin-top: 56px; }
.gal-title { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: clamp(22px, 2.4vw, 28px); margin: 0 0 20px; }
.gal { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.gal-item { display: block; position: relative; border-radius: 10px; overflow: hidden; aspect-ratio: 1; background: var(--soft); }
.gal-item img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .4s; }
.gal-item::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(16,38,59,0) 55%, rgba(16,38,59,.45)); opacity: 0; transition: opacity .3s; }
.gal-item:hover img { transform: scale(1.05); }
.gal-item:hover::after { opacity: 1; }
.lightbox { border: 0; padding: 0; background: transparent; max-width: 94vw; max-height: 94vh; overflow: visible; }
.lightbox::backdrop { background: rgba(10,22,34,.88); }
.lightbox img { display: block; max-width: 92vw; max-height: 84vh; border-radius: 8px; box-shadow: 0 20px 60px rgba(0,0,0,.4); }
.lb-cap { color: #fff; text-align: center; margin: 12px 0 0; font-size: 15px; }
.lightbox button { position: absolute; background: rgba(255,255,255,.14); color: #fff; border: 0; width: 46px; height: 46px; border-radius: 50%; font-size: 30px; line-height: 1; cursor: pointer; display: grid; place-items: center; }
.lightbox button:hover { background: rgba(255,255,255,.28); }
.lb-close { top: -56px; right: 0; }
.lb-prev { left: -60px; top: 42%; }
.lb-next { right: -60px; top: 42%; }
@media (max-width: 900px) { .gal { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px) {
  .gal { grid-template-columns: repeat(2, 1fr); gap: 8px; }
  .lb-prev { left: 6px; } .lb-next { right: 6px; }
  .lb-close { top: -52px; right: 4px; }
}

/* Versicherungsgesellschaften */
.vk { margin: 10px 0 6px; }
.vlist { list-style: none; margin: 8px 0 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); gap: 10px; }
.vlist li { background: #fff; border: 1px solid #E3E8EE; border-left: 3px solid var(--gold); border-radius: 10px; padding: 11px 14px; font-size: 15px; color: var(--navy); line-height: 1.3; }
section.soft .vlist li { background: #fff; }
h3.vsub { font-family: var(--serif); font-weight: normal; color: var(--navy); font-size: 22px; margin: 36px 0 4px; }
.mega h4 .ico { width: 16px; height: 16px; vertical-align: -2px; margin-right: 4px; color: var(--gold-d); }
@media (max-width: 560px) { .vlist { grid-template-columns: 1fr 1fr; gap: 8px; } .vlist li { font-size: 14px; padding: 9px 11px; } }
.nav .item > a, .nav .item > button { white-space: nowrap; }
.vlist li { min-width: 0; overflow-wrap: anywhere; hyphens: auto; }
@media (max-width: 560px) { .vlist { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* Bewertungen */
.revband { background: var(--navy); color: #fff; padding: 56px 0; }
.revwrap { display: grid; grid-template-columns: auto 1fr auto; gap: 36px; align-items: center; }
.revstars { display: flex; gap: 4px; color: var(--gold); }
.revstars .ico { width: 30px; height: 30px; fill: currentColor; }
.revband .kicker { color: var(--gold); margin: 0 0 6px; }
.revband h2 { font-family: var(--serif); font-weight: normal; font-size: clamp(26px, 3vw, 34px); margin: 0 0 8px; color: #fff; }
.revband p { margin: 0; color: rgba(255,255,255,.82); max-width: 620px; }
.revbtns { display: flex; flex-direction: column; gap: 12px; }
.revband .btn.line { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.revband .btn.line .ico { stroke: currentColor; }
.revband .btn.line:hover { background: rgba(255,255,255,.1); }
.revqr img { display: block; margin: 18px auto 0; border-radius: 10px; }
.revsteps { margin: 8px 0 0; padding-left: 20px; }
.revsteps li { margin: 6px 0; }
@media (max-width: 900px) { .revwrap { grid-template-columns: 1fr; gap: 20px; } .revbtns { flex-direction: row; flex-wrap: wrap; } }
.hinweis a { overflow-wrap: anywhere; }

/* WhatsApp */
.wa-fab { position: fixed; right: 20px; bottom: 20px; z-index: 90; display: inline-flex; align-items: center; gap: 8px; background: #25D366; color: #fff; text-decoration: none; font-weight: 600; font-size: 15px; padding: 12px 18px 12px 14px; border-radius: 999px; box-shadow: 0 6px 20px rgba(0,0,0,.18); transition: transform .15s; }
.wa-fab:hover { transform: translateY(-2px); color: #fff; }
.wa-fab .ico.wa { width: 26px; height: 26px; }
@media (max-width: 600px) { .wa-fab { right: 14px; bottom: 14px; padding: 14px; } .wa-fab span { display: none; } }
@media print { .wa-fab { display: none; } }

/* Mobil: lange Wörter (z. B. „Berufsunfähigkeitsversicherung“) umbrechen statt die Seite zu verbreitern */
h1, h2, h3, .kicker, label, .label { overflow-wrap: break-word; -webkit-hyphens: auto; hyphens: auto; }
.phero .wrap > *, .phero .wrap > * > *, form label, form .field, form fieldset { min-width: 0; }
@media (max-width: 480px) { .phero h1, .pagehead h1 { font-size: 29px; } }