/* ============================================================
   FinanzNavigo — Design System
   Navy / Cream / Brass — private-advisory register
   Display: Fraunces (small-caps wordmark, editorial headlines)
   Body: Inter — Swiss, neutral, legible
   Utility: IBM Plex Mono — data, labels, form meta
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,340;9..144,480;9..144,560&family=Inter:wght@400;500;600&family=IBM+Plex+Mono:wght@500&display=swap');

:root{
  --navy-900:#0B1F3A;
  --navy-800:#122A4B;
  --navy-700:#1C3A63;
  --cream:#F6F3EC;
  --paper:#FBFAF6;
  --brass:#9C7A3C;
  --brass-light:#C9A968;
  --ink:#242A33;
  --ink-soft:#565F6C;
  --line:#DAD4C4;
  --line-dark:#2C3B57;
  --radius:2px;
  --max:1180px;
  --serif:'Fraunces', Georgia, serif;
  --sans:'Inter', -apple-system, 'Helvetica Neue', Arial, sans-serif;
  --mono:'IBM Plex Mono', monospace;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  line-height:1.55;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px}
@media (prefers-reduced-motion: reduce){
  *{animation-duration:.001ms !important;transition-duration:.001ms !important}
}

.wrap{max-width:var(--max);margin:0 auto;padding:0 32px}
@media (max-width:640px){.wrap{padding:0 20px}}

.eyebrow{
  font-family:var(--mono);
  font-size:11px;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--brass);
}

h1,h2,h3{font-family:var(--serif);font-weight:560;color:var(--navy-900);margin:0;line-height:1.08}
h1{font-size:clamp(36px,5.4vw,60px);letter-spacing:-.01em}
h2{font-size:clamp(26px,3.2vw,36px);letter-spacing:-.005em}
h3{font-size:19px;font-weight:560}
p{margin:0 0 1em}
.lede{font-size:18px;color:var(--ink-soft);max-width:52ch}

.small-caps{
  font-variant:small-caps;
  letter-spacing:.03em;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--sans);font-weight:600;font-size:14.5px;
  padding:13px 24px;
  border-radius:var(--radius);
  border:1px solid transparent;
  cursor:pointer;
  transition:background .18s ease, color .18s ease, border-color .18s ease, transform .18s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--navy-900);color:var(--cream)}
.btn-primary:hover{background:var(--brass);color:var(--navy-900)}
.btn-ghost{border-color:rgba(11,31,58,.25);color:var(--navy-900)}
.btn-ghost:hover{border-color:var(--navy-900)}
.btn-on-dark{border-color:rgba(246,243,236,.35);color:var(--cream)}
.btn-on-dark:hover{border-color:var(--brass-light);color:var(--brass-light)}
.btn-arrow{transition:transform .18s ease}
.btn:hover .btn-arrow{transform:translateX(3px)}

/* ---------- Header / Nav ---------- */
header.site{
  position:sticky;top:0;z-index:50;
  background:rgba(251,250,246,.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.nav-row{display:flex;align-items:center;justify-content:space-between;height:76px;gap:24px}
.logo{display:flex;align-items:center;gap:11px}
.logo-mark{width:30px;height:30px;flex:0 0 auto;object-fit:contain}
.logo-word{
  font-family:var(--serif);font-weight:560;font-size:19px;
  letter-spacing:.02em;color:var(--navy-900);
  font-variant:small-caps;
}
nav.primary{display:flex;align-items:center;gap:28px;margin-left:auto;padding-left:36px}
nav.primary a.nav-link{
  font-size:14px;font-weight:500;color:var(--ink);
  padding:6px 0;border-bottom:1px solid transparent;
}
nav.primary a.nav-link:hover{border-color:var(--brass);color:var(--navy-900)}
nav.primary a.nav-link.current{color:var(--navy-900);border-color:var(--brass)}
.nav-cta{display:flex;align-items:center;gap:14px}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}
@media (max-width:960px){
  nav.primary{display:none}
  .nav-cta .btn-ghost{display:none}
  .menu-toggle{display:block}
}

/* mobile drawer */
.mobile-drawer{
  display:none;flex-direction:column;gap:2px;
  background:var(--paper);border-bottom:1px solid var(--line);
  padding:8px 20px 18px;
}
.mobile-drawer.open{display:flex}
.mobile-drawer a{padding:12px 4px;font-size:15px;border-bottom:1px solid var(--line)}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  background:var(--navy-900);
  color:var(--cream);
  overflow:hidden;
  padding:96px 0 84px;
}
.hero .wrap{position:relative;z-index:2}
.hero-route{position:absolute;inset:0;z-index:1;opacity:.55;pointer-events:none}
.hero-watermark{
  position:absolute;top:50%;right:-60px;z-index:1;
  width:460px;height:auto;opacity:.06;
  transform:translateY(-50%);
  pointer-events:none;
}
.hero h1{color:var(--cream);animation:rise .7s cubic-bezier(.16,1,.3,1) both}
.hero .eyebrow{animation:rise .6s cubic-bezier(.16,1,.3,1) both}
.hero .lede{color:rgba(246,243,236,.72);margin-top:18px;animation:rise .7s .08s cubic-bezier(.16,1,.3,1) both}
.hero-ctas{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap;animation:rise .7s .16s cubic-bezier(.16,1,.3,1) both}
.hero-badges{display:flex;gap:28px;margin-top:56px;flex-wrap:wrap;border-top:1px solid rgba(246,243,236,.18);padding-top:26px}
.hero-badge{font-size:13px;color:rgba(246,243,236,.65);max-width:220px}
.hero-badge b{display:block;color:var(--cream);font-family:var(--serif);font-size:15px;font-weight:560;margin-bottom:2px}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
@media (prefers-reduced-motion: reduce){.hero h1,.hero .eyebrow,.hero .lede,.hero-ctas{animation:none}}

/* small hero for inner pages */
.hero-slim{padding:64px 0 56px}
@media (max-width:760px){.hero-watermark{display:none}}

/* ---------- Sections ---------- */
section{padding:88px 0}
@media (max-width:640px){section{padding:56px 0}}
.section-cream{background:var(--cream)}
.section-navy{background:var(--navy-900);color:var(--cream)}
.section-navy h2,.section-navy h3{color:var(--cream)}
.section-head{max-width:640px;margin-bottom:48px}
.section-head .eyebrow{margin-bottom:14px;display:block}

/* ---------- Pillar / card grid ---------- */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}
.grid-4 .card{background:var(--paper);padding:34px 28px;display:flex;flex-direction:column}
@media (max-width:960px){.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-4{grid-template-columns:1fr}}

.card{transition:background .2s ease, transform .25s cubic-bezier(.16,1,.3,1), box-shadow .25s ease}
.card:hover{background:#fff;transform:translateY(-3px);box-shadow:0 16px 32px -20px rgba(11,31,58,.28)}
.card .num{font-family:var(--mono);font-size:11px;color:var(--brass);letter-spacing:.1em}
.card h3{margin-top:14px}
.card p{color:var(--ink-soft);font-size:14.5px;margin:12px 0 18px;min-height:4.8em}
.card-tags{font-family:var(--mono);font-size:11px;color:var(--ink-soft);letter-spacing:.02em;margin-bottom:18px;line-height:1.7}
.card a.card-link{font-size:13.5px;font-weight:600;color:var(--navy-900);border-bottom:1px solid var(--brass);padding-bottom:2px;margin-top:auto;align-self:flex-start}
.card a.card-link:hover{color:var(--brass)}

/* Mobile: keine künstliche Reserve-Höhe — natürliche Kartenhöhe */
@media (max-width:600px){
  .card p{min-height:auto}
  .card a.card-link{margin-top:4px}
}

/* route connector under pillar grid */
.route-strip{position:relative;height:34px;margin-top:-1px}

/* ---------- Two column ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
@media (max-width:840px){.split{grid-template-columns:1fr;gap:36px}}

/* ---------- Steps (real sequence — numbering justified) ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
@media (max-width:840px){.steps{grid-template-columns:1fr}}
.step .num{font-family:var(--serif);font-size:34px;color:var(--brass-light);font-weight:480}
.step h3{margin-top:10px;color:var(--cream)}
.step p{color:rgba(246,243,236,.68);font-size:14.5px}

/* ---------- Krankenkasse teaser (dark banner) ---------- */
.kk-banner{
  background:var(--navy-800);color:var(--cream);
  border:1px solid var(--line-dark);
  padding:44px 40px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;
}
.kk-banner h2{color:var(--cream);font-size:26px;max-width:480px}
.kk-banner p{color:rgba(246,243,236,.7);max-width:440px;font-size:15px}

/* ---------- FAQ ---------- */
.faq-item{border-bottom:1px solid var(--line);padding:22px 0}
.faq-item summary{
  cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;
  font-family:var(--serif);font-size:17px;font-weight:560;color:var(--navy-900);
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .plus{font-family:var(--mono);color:var(--brass);font-size:18px;transition:transform .2s}
.faq-item[open] summary .plus{transform:rotate(45deg)}
.faq-item .a{color:var(--ink-soft);margin-top:12px;font-size:15px;max-width:62ch}

/* ---------- Form ---------- */
.form-panel{background:var(--paper);border:1px solid var(--line);padding:40px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
@media (max-width:600px){.form-row{grid-template-columns:1fr}}
label{display:block;font-size:12.5px;font-weight:600;color:var(--ink-soft);margin-bottom:6px;letter-spacing:.02em}
input,select{
  width:100%;padding:12px 14px;border:1px solid var(--line);background:#fff;
  font-family:var(--sans);font-size:14.5px;color:var(--ink);border-radius:var(--radius);
}
input:focus,select:focus{border-color:var(--brass)}
.check-row{display:flex;align-items:flex-start;gap:10px;margin:18px 0;font-size:13px;color:var(--ink-soft)}
.check-row input{width:auto;margin-top:3px}

/* ---------- Breadcrumb ---------- */
.crumb{font-family:var(--mono);font-size:11.5px;color:var(--ink-soft);letter-spacing:.03em;margin-bottom:18px}
.crumb a:hover{color:var(--brass)}
.crumb .sep{margin:0 8px;color:var(--line)}

/* ---------- Footer ---------- */
footer.site{background:var(--navy-900);color:rgba(246,243,236,.75);padding:64px 0 32px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
@media (max-width:840px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
footer.site h4{font-family:var(--mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--brass-light);margin-bottom:16px}
footer.site a{display:block;font-size:14px;color:rgba(246,243,236,.75);padding:5px 0}
footer.site a:hover{color:var(--brass-light)}
.footer-brand{display:flex;align-items:center;gap:8px;margin-bottom:12px}
.footer-logo-mark{width:18px;height:18px;object-fit:contain;opacity:.8}
.footer-word{font-family:var(--serif);font-variant:small-caps;font-size:16px;color:var(--cream);letter-spacing:.02em}
.footer-tag{font-size:13.5px;color:rgba(246,243,236,.5);max-width:32ch;margin-bottom:22px}
.footer-bottom{border-top:1px solid rgba(246,243,236,.15);margin-top:48px;padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:12.5px;color:rgba(246,243,236,.45)}
.footer-legal{display:flex;gap:20px}

/* ---------- Utility ---------- */
.mt-0{margin-top:0}
.center{text-align:center;margin-left:auto;margin-right:auto}
.divider{height:1px;background:var(--line);margin:64px 0}
.tag-list{font-family:var(--mono);font-size:12.5px;color:var(--ink-soft);letter-spacing:.02em}
.list-clean{list-style:none;padding:0;margin:0}
.list-clean li{padding:10px 0 10px 22px;position:relative;border-bottom:1px solid var(--line);font-size:15px;color:var(--ink)}
.list-clean li::before{content:'';position:absolute;left:0;top:19px;width:8px;height:1px;background:var(--brass)}
.bench-note{background:var(--cream);border-left:2px solid var(--brass);padding:16px 22px;font-size:14px;color:var(--ink-soft);margin:28px 0}

/* ---------- Cookie banner ---------- */
.cookie-banner{
  position:fixed;left:20px;right:20px;bottom:20px;z-index:100;
  max-width:720px;margin:0 auto;
  background:var(--navy-900);color:var(--cream);
  border:1px solid var(--line-dark);
  padding:22px 26px;
  box-shadow:0 20px 50px -20px rgba(11,31,58,.5);
  display:none;
}
.cookie-banner.show{display:block}
.cookie-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cookie-inner p{margin:0;font-size:13.5px;color:rgba(246,243,236,.78);max-width:440px}
.cookie-inner a{color:var(--brass-light);text-decoration:underline}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}

/* ---------- Legal pages ---------- */
.legal-body h2{margin-top:40px;margin-bottom:12px;font-size:22px}
.legal-body h2:first-child{margin-top:0}
.legal-body p{color:var(--ink-soft);font-size:15px;max-width:70ch}
.legal-body .placeholder{color:var(--brass);font-weight:600}

/* ---------- Article / Ratgeber ---------- */
.article-meta{font-family:var(--mono);font-size:11.5px;color:var(--ink-soft);letter-spacing:.03em;margin-bottom:14px}
.article-body p{max-width:68ch;color:var(--ink);font-size:16px}
.article-body h2{margin-top:36px;margin-bottom:12px;font-size:22px}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line)}
@media (max-width:840px){.blog-grid{grid-template-columns:1fr}}
.blog-card{background:var(--paper);padding:30px 26px}
.blog-card .cat{font-family:var(--mono);font-size:11px;color:var(--brass);letter-spacing:.08em;text-transform:uppercase}
.blog-card h3{margin-top:12px}
.blog-card p{color:var(--ink-soft);font-size:14px;margin:10px 0 16px}