/* =================================================================
   checkpolizze.at – Premium Stylesheet
   Dunkelblau · Weiß · Gold | modern, ruhig, vertrauenswürdig
   ================================================================= */

:root{
  --primary:#0a1f44;
  --primary-700:#0d264f;
  --primary-900:#06152e;
  --accent:#c9a227;
  --accent-soft:#e6c659;
  --ink:#1a2436;
  --muted:#5d6678;
  --line:#e7eaf1;
  --bg:#ffffff;
  --bg-soft:#f6f8fc;
  --bg-deep:#0a1f44;
  --white:#ffffff;
  --radius:16px;
  --radius-lg:22px;
  --shadow-sm:0 2px 8px rgba(10,31,68,.06);
  --shadow:0 14px 40px rgba(10,31,68,.10);
  --shadow-lg:0 30px 70px rgba(10,31,68,.18);
  --maxw:1180px;
  --ease:cubic-bezier(.16,.84,.44,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;line-height:1.12;color:var(--primary);font-weight:600;letter-spacing:-.01em}
.icon{vertical-align:middle}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.container-narrow{max-width:760px}
.center{text-align:center}
.mt-32{margin-top:32px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:'Inter',sans-serif;font-weight:600;font-size:15px;
  padding:13px 26px;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s,color .25s;
  white-space:nowrap;line-height:1;
}
.btn-sm{padding:9px 18px;font-size:14px}
.btn-lg{padding:16px 34px;font-size:16px}
.btn-block{width:100%}
.btn-accent{background:var(--accent);color:var(--primary-900);box-shadow:0 10px 26px rgba(201,162,39,.32)}
.btn-accent:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(201,162,39,.42);background:var(--accent-soft)}
.btn-outline{background:transparent;border-color:var(--primary);color:var(--primary)}
.btn-outline:hover{background:var(--primary);color:#fff;transform:translateY(-2px)}
.btn-ghost{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.35);color:#fff;backdrop-filter:blur(6px)}
.btn-ghost:hover{background:rgba(255,255,255,.16);transform:translateY(-2px)}

/* ---------- Skip link ---------- */
.skip-link{position:absolute;left:-999px;top:0;z-index:200;background:var(--primary);color:#fff;padding:10px 16px;border-radius:0 0 10px 0}
.skip-link:focus{left:0}

/* ---------- Service-Topbar ---------- */
.topbar{background:var(--primary-900);color:rgba(255,255,255,.78);font-size:13px;border-bottom:1px solid rgba(255,255,255,.06)}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;height:40px}
.topbar-claim{display:inline-flex;align-items:center;gap:8px;letter-spacing:.01em}
.topbar-claim .icon{color:var(--accent)}
.topbar-contact{display:inline-flex;align-items:center;gap:18px}
.topbar-contact a{display:inline-flex;align-items:center;gap:7px;color:#fff;font-weight:600;transition:color .2s}
.topbar-contact a:hover{color:var(--accent-soft)}
.topbar-contact a .icon{color:var(--accent)}
.topbar-hours{position:relative;padding-left:18px;color:rgba(255,255,255,.62)}
.topbar-hours::before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:1px;height:14px;background:rgba(255,255,255,.18)}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.94);backdrop-filter:saturate(150%) blur(10px);
  border-bottom:1px solid var(--line);
  transition:box-shadow .3s,border-color .3s;
}
.site-header.scrolled{box-shadow:0 8px 30px rgba(10,31,68,.10);border-color:transparent}
.header-inner{display:flex;align-items:center;gap:16px;height:76px}

/* Marke */
.brand{display:flex;align-items:center;gap:12px;flex:0 0 auto}
.brand-mark{
  display:grid;place-items:center;width:42px;height:42px;border-radius:12px;
  background:linear-gradient(145deg,var(--primary-700),var(--primary-900));
  color:var(--accent);box-shadow:inset 0 0 0 1px rgba(201,162,39,.45),0 6px 16px rgba(10,31,68,.22);
}
.brand-text{display:flex;align-items:baseline;font-family:'Fraunces',serif;letter-spacing:-.02em;line-height:1}
.brand-name{font-size:21px;font-weight:600;color:var(--primary)}
.brand-suffix{font-size:21px;font-weight:600;color:var(--accent)}
.brand-logo{height:42px;width:auto}

/* Navigation */
.main-nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.main-nav a{
  font-size:14px;font-weight:500;color:var(--ink);padding:9px 12px;border-radius:9px;
  position:relative;white-space:nowrap;transition:color .2s,background .2s;
}
.main-nav a:hover{color:var(--primary);background:var(--bg-soft)}
.main-nav a.active{color:var(--primary);font-weight:600}
.main-nav a.active::after{
  content:"";position:absolute;left:13px;right:13px;bottom:2px;height:2px;border-radius:2px;background:var(--accent);
}
.header-cta{flex:0 0 auto;margin-left:8px;box-shadow:0 6px 18px rgba(201,162,39,.28)}
.nav-cta-mobile{display:none}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px;margin-left:auto}
.nav-toggle span{width:24px;height:2px;background:var(--primary);border-radius:2px;transition:.3s}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Flash ---------- */
.flash{margin:18px 0;padding:14px 18px;border-radius:12px;font-weight:500;font-size:14.5px}
.flash-success{background:#e8f6ec;color:#1c6b34;border:1px solid #bfe6cb}
.flash-error{background:#fdecec;color:#a32424;border:1px solid #f3c4c4}

/* ---------- Hero ---------- */
.hero{
  position:relative;overflow:hidden;
  background:radial-gradient(1100px 560px at 78% -20%,var(--primary-700),var(--primary) 52%,var(--primary-900));
  color:#fff;padding:84px 0 92px;
}
.hero-has-img{background-size:cover;background-position:center}
.hero-glow{
  position:absolute;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,162,39,.20),transparent 65%);
  top:-200px;right:-100px;filter:blur(10px);pointer-events:none;
}
.hero-grid-bg{
  position:absolute;inset:0;pointer-events:none;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
  background-size:46px 46px;
  -webkit-mask-image:radial-gradient(900px 500px at 20% 30%,#000,transparent 80%);
  mask-image:radial-gradient(900px 500px at 20% 30%,#000,transparent 80%);
}
.hero-inner{position:relative;display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:center;max-width:var(--maxw)}
.hero-copy{max-width:600px}
.hero-badge{
  display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:600;letter-spacing:.04em;
  text-transform:uppercase;color:var(--accent-soft);
  background:rgba(255,255,255,.08);border:1px solid rgba(201,162,39,.35);
  padding:7px 15px;border-radius:999px;margin-bottom:24px;
}
.hero-title{font-size:clamp(32px,4.6vw,56px);color:#fff;margin-bottom:18px;font-weight:600;letter-spacing:-.02em}
.hero-sub{font-size:clamp(16px,1.5vw,19px);color:rgba(255,255,255,.82);max-width:560px;margin-bottom:30px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero-trustline{display:flex;gap:22px;flex-wrap:wrap;color:rgba(255,255,255,.74);font-size:14px}
.hero-trustline span{display:inline-flex;align-items:center;gap:7px}
.hero-trustline .icon{color:var(--accent-soft)}

/* ---------- Hero Ergebnis-Karte (Signature) ---------- */
.hero-visual{position:relative;justify-self:end;width:100%;max-width:400px}
.result-card{
  position:relative;background:#fff;color:var(--ink);border-radius:20px;
  padding:26px 26px 22px;box-shadow:0 30px 70px rgba(4,12,30,.45);
  border:1px solid rgba(255,255,255,.6);
  animation:cardfloat 6s ease-in-out infinite;
}
@keyframes cardfloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
.result-free{
  position:absolute;top:-13px;right:18px;background:var(--accent);color:var(--primary-900);
  font-size:12px;font-weight:700;letter-spacing:.02em;padding:6px 13px;border-radius:999px;
  box-shadow:0 8px 18px rgba(201,162,39,.4);
}
.result-head{display:flex;align-items:center;justify-content:space-between;gap:10px;padding-bottom:16px;border-bottom:1px solid var(--line)}
.result-tag{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:600;color:var(--primary)}
.result-tag .icon{color:var(--accent)}
.result-check{display:inline-flex;align-items:center;gap:5px;font-size:12px;font-weight:700;color:#1c6b34;background:#e8f6ec;padding:5px 10px;border-radius:999px}
.result-check .icon{color:#1c6b34}
.result-rows{padding:16px 0 4px}
.result-row{display:flex;align-items:baseline;justify-content:space-between;padding:7px 0;font-size:14.5px;color:var(--muted)}
.result-row small{font-size:11px;color:var(--muted);font-weight:500}
.r-old{font-weight:600;color:var(--muted);text-decoration:line-through;text-decoration-color:rgba(160,40,40,.55)}
.r-new{font-weight:700;color:var(--primary);font-size:16px}
.result-save{
  display:flex;align-items:center;justify-content:space-between;margin-top:12px;
  background:linear-gradient(135deg,rgba(201,162,39,.14),rgba(201,162,39,.05));
  border:1px solid rgba(201,162,39,.35);border-radius:13px;padding:14px 16px;
}
.r-save-label{font-size:13.5px;font-weight:600;color:var(--primary)}
.r-save-val{font-family:'Fraunces',serif;font-weight:700;font-size:26px;color:var(--primary)}
.r-save-val small{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--muted)}
.result-foot{display:flex;align-items:center;gap:12px;margin-top:18px}
.r-avatar{
  display:grid;place-items:center;width:38px;height:38px;border-radius:50%;flex:0 0 38px;
  background:linear-gradient(140deg,var(--primary),var(--primary-700));color:var(--accent);
  font-weight:700;font-size:13px;letter-spacing:.02em;
}
.r-foot-text{font-size:12.5px;color:var(--muted);line-height:1.4}
.r-foot-text strong{color:var(--ink)}

/* ---------- Sections ---------- */
.section{padding:84px 0}
.section-alt{background:var(--bg-soft)}
.section-head{max-width:680px;margin:0 auto 52px;text-align:center}
.eyebrow{
  display:inline-block;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--accent);margin-bottom:14px;
}
.section-head h2{font-size:clamp(28px,3.6vw,42px);margin-bottom:14px}
.section-lead{color:var(--muted);font-size:17px}

/* ---------- USP ---------- */
.usp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.usp-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:34px 30px;box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease);
}
.usp-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.usp-icon{
  display:grid;place-items:center;width:56px;height:56px;border-radius:15px;margin-bottom:20px;
  background:linear-gradient(140deg,var(--primary),var(--primary-700));color:var(--accent);
}
.usp-card h3{font-size:21px;margin-bottom:10px}
.usp-card p{color:var(--muted)}

/* ---------- Kategorien ---------- */
.cat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.cat-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;box-shadow:var(--shadow-sm);
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;
  display:flex;flex-direction:column;position:relative;overflow:hidden;
}
.cat-card::before{
  content:"";position:absolute;inset:0 0 auto 0;height:3px;
  background:linear-gradient(90deg,var(--accent),transparent);transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease);
}
.cat-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:rgba(201,162,39,.4)}
.cat-card:hover::before{transform:scaleX(1)}
.cat-icon{
  display:grid;place-items:center;width:52px;height:52px;border-radius:14px;margin-bottom:18px;
  background:var(--bg-soft);color:var(--primary);transition:background .3s,color .3s;
}
.cat-card:hover .cat-icon{background:var(--primary);color:var(--accent)}
.cat-card h3{font-size:20px;margin-bottom:8px}
.cat-card p{color:var(--muted);font-size:14.5px;flex:1;margin-bottom:16px}
.cat-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:14px;color:var(--accent)}
.cat-link .icon{transition:transform .3s}
.cat-card:hover .cat-link .icon{transform:translateX(4px)}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 24px 28px;box-shadow:var(--shadow-sm);
}
.step-num{
  position:absolute;top:18px;right:22px;font-family:'Fraunces',serif;font-size:38px;font-weight:700;
  color:var(--line);line-height:1;
}
.step-icon{
  display:grid;place-items:center;width:48px;height:48px;border-radius:13px;margin-bottom:18px;
  background:linear-gradient(140deg,var(--accent),var(--accent-soft));color:var(--primary-900);
}
.step h3{font-size:18px;margin-bottom:8px}
.step p{color:var(--muted);font-size:14.5px}

/* ---------- Claim ---------- */
.claim-section{background:var(--primary);color:#fff;position:relative;overflow:hidden}
.claim-section::after{
  content:"";position:absolute;width:480px;height:480px;border-radius:50%;left:-160px;bottom:-220px;
  background:radial-gradient(circle,rgba(201,162,39,.22),transparent 65%);
}
.claim-inner{position:relative;max-width:760px;margin:0 auto;text-align:center}
.quote-mark{font-family:'Fraunces',serif;font-size:90px;color:var(--accent);line-height:.4;display:block;height:50px}
.claim-text{font-family:'Fraunces',serif;font-size:clamp(24px,3.4vw,36px);color:#fff;margin-bottom:28px;font-weight:500}
.claim-text em{color:var(--accent-soft);font-style:italic}

/* ---------- Trust ---------- */
.trust-row{display:flex;flex-wrap:wrap;justify-content:center;gap:18px}
.trust-badge{
  display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);
  padding:16px 24px;border-radius:999px;font-weight:600;font-size:15px;box-shadow:var(--shadow-sm);
}
.trust-seal{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--primary);color:var(--accent)}

/* ---------- CTA Band ---------- */
.cta-band{background:linear-gradient(135deg,var(--accent),var(--accent-soft));padding:54px 0}
.cta-band-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta-band h2{color:var(--primary-900);font-size:clamp(24px,3vw,34px);margin-bottom:6px}
.cta-band p{color:rgba(10,21,46,.8);font-size:17px}
.cta-band .btn-accent{background:var(--primary);color:#fff;box-shadow:0 12px 30px rgba(10,31,68,.3)}
.cta-band .btn-accent:hover{background:var(--primary-900)}

/* ---------- Page Head ---------- */
.page-head{
  background:radial-gradient(900px 400px at 80% -40%,var(--primary-700),var(--primary));
  color:#fff;padding:72px 0 56px;
}
.page-head .eyebrow{color:var(--accent-soft)}
.page-head h1{color:#fff;font-size:clamp(30px,4.4vw,48px);margin-bottom:14px}
.page-head .section-lead{color:rgba(255,255,255,.82);max-width:640px}
.page-head-narrow{padding:64px 0 44px}
.back-link{color:var(--accent-soft);font-weight:600;font-size:14px;display:inline-block;margin-bottom:18px}

/* ---------- Forms ---------- */
.form-layout{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:start}
.form-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:36px;box-shadow:var(--shadow);
}
.vc-form .field{margin-bottom:20px;display:flex;flex-direction:column}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.vc-form label{font-weight:600;font-size:14px;margin-bottom:7px;color:var(--ink)}
.vc-form input,.vc-form select,.vc-form textarea{
  font-family:inherit;font-size:15px;padding:13px 15px;border:1.5px solid var(--line);
  border-radius:11px;background:#fff;color:var(--ink);transition:border-color .2s,box-shadow .2s;
}
.vc-form input:focus,.vc-form select:focus,.vc-form textarea:focus{
  outline:none;border-color:var(--accent);box-shadow:0 0 0 4px rgba(201,162,39,.14);
}
.vc-form textarea{resize:vertical}
.upload-drop{
  display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;
  border:2px dashed var(--line);border-radius:14px;padding:30px 20px;cursor:pointer;
  color:var(--muted);transition:border-color .25s,background .25s,color .25s;
}
.upload-drop:hover,.upload-drop.dragover{border-color:var(--accent);background:rgba(201,162,39,.06);color:var(--primary)}
.upload-drop .icon{color:var(--accent)}
.upload-text{font-size:14.5px;font-weight:500}
.check-line{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:var(--muted);margin:6px 0 22px}
.check-line input{margin-top:3px;width:18px;height:18px;accent-color:var(--accent);flex-shrink:0}
.check-line a{color:var(--accent);font-weight:600}
.form-note{font-size:13px;color:var(--muted);margin-top:14px;display:flex;align-items:center;gap:6px;justify-content:center}
.form-note .icon{color:var(--accent)}

/* Form aside */
.form-aside{
  background:var(--primary);color:#fff;border-radius:var(--radius-lg);padding:34px 30px;
  position:sticky;top:96px;box-shadow:var(--shadow);
}
.form-aside h3{color:#fff;font-size:22px;margin-bottom:20px}
.aside-list{list-style:none;display:flex;flex-direction:column;gap:14px}
.aside-list li{display:flex;align-items:flex-start;gap:11px;font-size:14.5px;color:rgba(255,255,255,.88)}
.aside-list .icon{color:var(--accent-soft);flex-shrink:0;margin-top:2px}
.aside-quote{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.15);font-size:14px;color:rgba(255,255,255,.7);font-style:italic;display:flex;gap:8px;align-items:center}
.aside-quote .icon{color:var(--accent-soft)}

/* ---------- Contact methods ---------- */
.contact-methods{display:flex;flex-direction:column;gap:14px}
.contact-method{
  display:flex;align-items:center;gap:14px;background:rgba(255,255,255,.07);
  border:1px solid rgba(255,255,255,.14);border-radius:13px;padding:16px;transition:background .25s,transform .25s;
}
.contact-method:hover{background:rgba(255,255,255,.13);transform:translateX(3px)}
.cm-icon{display:grid;place-items:center;width:44px;height:44px;border-radius:11px;background:var(--accent);color:var(--primary-900);flex-shrink:0}
.cm-wa{background:#25d366;color:#fff}
.contact-method span{font-size:14px;color:rgba(255,255,255,.85)}
.contact-method strong{color:#fff;font-size:15px}

/* ---------- Spar-Rechner ---------- */
.calc-wrap{max-width:620px;margin:0 auto}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:38px;box-shadow:var(--shadow)}
.calc-card .field{margin-bottom:18px}
.calc-card label{font-weight:600;font-size:14px;margin-bottom:7px;display:block}
.calc-card input[type=number]{
  width:100%;font-size:18px;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;font-family:inherit;
}
.calc-card input[type=number]:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px rgba(201,162,39,.14)}
.calc-range{width:100%;margin:6px 0 26px;accent-color:var(--accent);height:6px}
.calc-result{
  background:linear-gradient(140deg,var(--primary),var(--primary-700));color:#fff;border-radius:var(--radius);
  padding:28px;margin-bottom:24px;text-align:center;
}
.calc-result-line{display:flex;justify-content:space-between;font-size:14px;color:rgba(255,255,255,.75);margin-bottom:14px}
.calc-result-line strong{color:var(--accent-soft)}
.calc-big{font-family:'Fraunces',serif;font-size:clamp(22px,3.4vw,30px);font-weight:600;line-height:1.25}
.calc-big span{color:var(--accent-soft);white-space:nowrap}
.calc-sub{margin-top:8px;font-size:14px;color:rgba(255,255,255,.7)}

/* ---------- Partner ---------- */
.explain-box{
  display:flex;gap:18px;align-items:flex-start;background:var(--bg-soft);border:1px solid var(--line);
  border-left:4px solid var(--accent);border-radius:14px;padding:26px 28px;margin-bottom:44px;
}
.explain-icon{display:grid;place-items:center;width:50px;height:50px;border-radius:13px;background:var(--primary);color:var(--accent);flex-shrink:0}
.explain-box p{color:var(--ink);font-size:15.5px}
.partner-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.partner-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:32px;
  box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease);
}
.partner-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.partner-avatar{
  width:72px;height:72px;border-radius:50%;overflow:hidden;margin-bottom:18px;
  background:linear-gradient(140deg,var(--primary),var(--primary-700));color:var(--accent);
  display:grid;place-items:center;font-family:'Fraunces',serif;font-size:30px;font-weight:700;
}
.partner-avatar img{width:100%;height:100%;object-fit:cover}
.partner-card h3{font-size:21px;margin-bottom:4px}
.partner-company{color:var(--accent);font-weight:600;font-size:15px;margin-bottom:12px}
.partner-license{display:inline-flex;align-items:center;gap:6px;font-size:13px;color:var(--muted);background:var(--bg-soft);padding:5px 12px;border-radius:999px;margin-bottom:12px}
.partner-license .icon{color:var(--accent)}
.partner-region{font-size:14px;color:var(--muted);margin-bottom:14px}
.partner-desc{color:var(--ink);font-size:14.5px}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:box-shadow .25s,border-color .25s}
.faq-item[open]{box-shadow:var(--shadow-sm);border-color:rgba(201,162,39,.4)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:22px 26px;font-weight:600;font-size:17px;color:var(--primary);
  display:flex;justify-content:space-between;align-items:center;gap:16px;font-family:'Fraunces',serif;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-toggle{font-size:24px;color:var(--accent);transition:transform .3s;flex-shrink:0;font-weight:400}
.faq-item[open] .faq-toggle{transform:rotate(45deg)}
.faq-answer{padding:0 26px 24px;color:var(--muted);font-size:15.5px}

/* ---------- Blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.blog-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease);
  display:flex;flex-direction:column;
}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.blog-img{height:170px;background-size:cover;background-position:center;background-color:var(--primary)}
.blog-img-placeholder{display:grid;place-items:center;color:var(--accent);background:linear-gradient(140deg,var(--primary),var(--primary-700))}
.blog-body{padding:24px;display:flex;flex-direction:column;flex:1}
.blog-body h3{font-size:19px;margin-bottom:10px;line-height:1.25}
.blog-body p{color:var(--muted);font-size:14.5px;flex:1;margin-bottom:14px}

/* ---------- Article ---------- */
.article-meta{color:rgba(255,255,255,.7);font-size:14px}
.article-body{font-size:16.5px;color:var(--ink)}
.article-hero{border-radius:var(--radius);margin-bottom:30px}
.article-body h2{font-size:26px;margin:34px 0 14px}
.article-body p{margin-bottom:18px;color:#3a4458}
.article-body ul{margin:0 0 18px;padding-left:22px;color:#3a4458}
.article-body li{margin-bottom:8px}
.article-body strong{color:var(--primary)}
.article-cta{
  margin-top:44px;background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);
  padding:34px;text-align:center;
}
.article-cta h3{font-size:24px;margin-bottom:10px}
.article-cta p{color:var(--muted);margin-bottom:22px}
.legal-body h2{font-size:22px;margin:28px 0 12px}
.legal-body a{color:var(--accent);font-weight:600}

/* ---------- Footer ---------- */
.site-footer{background:var(--primary-900);color:rgba(255,255,255,.7);padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px}
.brand-footer .brand-name{color:#fff}
.footer-about p{margin:18px 0;font-size:14.5px;max-width:340px}
.footer-contact{display:flex;flex-direction:column;gap:8px}
.footer-contact a{display:inline-flex;align-items:center;gap:8px;font-size:14px;transition:color .2s}
.footer-contact a:hover{color:var(--accent-soft)}
.footer-contact .icon{color:var(--accent)}
.footer-col h4{color:#fff;font-family:'Inter',sans-serif;font-size:14px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;margin-bottom:16px}
.footer-col a{display:block;font-size:14.5px;padding:5px 0;transition:color .2s,padding .2s}
.footer-col a:hover{color:var(--accent-soft);padding-left:4px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;font-size:13px;color:rgba(255,255,255,.5)}

/* ---------- WhatsApp FAB ---------- */
.whatsapp-fab{
  position:fixed;bottom:24px;right:24px;z-index:90;width:58px;height:58px;border-radius:50%;
  background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 10px 30px rgba(37,211,102,.45);
  transition:transform .3s var(--ease);animation:fabIn .5s var(--ease) .8s both;
}
.whatsapp-fab:hover{transform:scale(1.08) translateY(-2px)}
@keyframes fabIn{from{transform:scale(0)}to{transform:scale(1)}}

/* ---------- Cookie banner ---------- */
.cookie-banner{position:fixed;bottom:0;left:0;right:0;z-index:120;background:var(--primary-900);color:#fff;padding:18px 0;box-shadow:0 -10px 40px rgba(0,0,0,.3)}
.cookie-inner{max-width:var(--maxw);margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:20px;flex-wrap:wrap;justify-content:space-between}
.cookie-inner p{font-size:14px;color:rgba(255,255,255,.82);max-width:760px}
.cookie-inner a{color:var(--accent-soft);font-weight:600}

/* ---------- Reveal animations ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .usp-grid,.cat-grid,.blog-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .form-layout{grid-template-columns:1fr}
  .form-aside{position:static}
  .partner-grid{grid-template-columns:1fr}
  .topbar-claim{font-size:12px}
  .hero-inner{grid-template-columns:1fr;gap:40px}
  .hero-copy{max-width:640px}
  .hero-visual{justify-self:start;max-width:380px}
  .hero-glow{opacity:.7}
}
@media(max-width:860px){
  .topbar{display:none}
  .main-nav{
    position:fixed;top:76px;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;
    padding:16px 24px 22px;gap:2px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);
    transform:translateY(-130%);opacity:0;visibility:hidden;transition:transform .35s var(--ease),opacity .3s;
  }
  .main-nav.open{transform:translateY(0);opacity:1;visibility:visible}
  .main-nav a{padding:13px 14px;font-size:16px}
  .main-nav a.active::after{display:none}
  .nav-cta-mobile{display:inline-flex;justify-content:center;margin-top:12px}
  .header-cta{display:none}
  .nav-toggle{display:flex}
  .header-inner{gap:12px;height:64px}
  .main-nav{top:64px}
}
@media(max-width:760px){
  .section{padding:60px 0}
  .hero{padding:56px 0 64px}
  .usp-grid,.cat-grid,.blog-grid,.steps{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .form-card{padding:26px}
  .cta-band-inner{flex-direction:column;text-align:center;align-items:center}
  .footer-grid{grid-template-columns:1fr 1fr;gap:30px}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%}
  .hero-visual{max-width:100%}
  .result-card{animation:none}
}

/* ---------- Reduced motion ---------- */
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
  .reveal{opacity:1;transform:none}
}

/* ---------- Focus visible ---------- */
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}