/* PKV Expert — Partner lander. Brand: pkvexpert.de (navy #16233F / orange #F2690D / cream) */

@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 200 800;
  font-display: swap;
  src: url('/assets/fonts/pjs-var.woff2') format('woff2');
}

:root {
  --navy: #16233F;
  --navy-2: #1B2A4A;
  --ink: #0F1729;
  --muted: #56607A;
  --muted-on-dark: #B9C2D8;
  --orange: #F2690D;
  --orange-dark: #D95B06;
  --cream: #FDFDFC;
  --cream-2: #F7F5F1;
  --line: #E8E4DC;
  --line-dark: rgba(255, 255, 255, 0.12);
  --card-shadow: 0 1px 2px rgba(15, 23, 41, 0.04), 0 8px 24px rgba(15, 23, 41, 0.06);
  --radius: 14px;
  --radius-sm: 10px;
  --sans: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  background: var(--cream);
  color: var(--ink);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }

.container { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* ---------- header ---------- */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(253, 253, 252, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-in { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.header-logo { display: inline-flex; align-items: center; min-height: 44px; }
.header-logo img { height: 30px; width: auto; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--orange); color: #fff; border: 0; cursor: pointer;
  font-family: var(--sans); font-weight: 700; font-size: 16px;
  padding: 14px 28px; border-radius: 12px; text-decoration: none;
  transition: background .15s ease, transform .15s ease, box-shadow .15s ease;
  box-shadow: 0 6px 18px rgba(242, 105, 13, 0.28);
}
.btn:hover { background: var(--orange-dark); transform: translateY(-1px); }
.btn-sm { padding: 10px 20px; font-size: 14px; border-radius: 10px; box-shadow: none; min-height: 44px; }
.btn-block { width: 100%; }
.btn-ghost {
  background: transparent; color: var(--ink); border: 1px solid var(--line);
  box-shadow: none; font-weight: 600;
}
.btn-ghost:hover { background: var(--cream-2); transform: none; }

/* ---------- hero ---------- */
.hero { background: linear-gradient(160deg, #101B33 0%, var(--navy) 55%, #1E3055 100%); color: #fff; overflow: hidden; position: relative; }
.hero::after {
  content: ''; position: absolute; right: -180px; top: -180px; width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(242, 105, 13, 0.16) 0%, rgba(242, 105, 13, 0) 70%);
  pointer-events: none;
}
.hero-in {
  display: grid; grid-template-columns: 1.08fr 0.92fr; gap: 56px; align-items: center;
  padding: 72px 0 80px; position: relative; z-index: 1;
}
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255, 255, 255, 0.08); border: 1px solid var(--line-dark);
  color: #E7ECF6; font-size: 13.5px; font-weight: 600;
  padding: 7px 14px; border-radius: 999px; margin-bottom: 22px;
}
.badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--orange); }
.hero h1 {
  font-size: clamp(34px, 4.6vw, 52px); line-height: 1.12; font-weight: 800;
  letter-spacing: -0.02em; margin-bottom: 18px;
}
.hero h1 em { font-style: normal; color: var(--orange); }
.hero .sub {
  font-size: 18px; color: var(--muted-on-dark); max-width: 78ch; text-wrap: pretty;
  margin-bottom: 26px;
}
.hero-points { list-style: none; display: grid; gap: 12px; margin-bottom: 30px; }
.hero-points li { display: grid; grid-template-columns: auto 1fr; gap: 12px; align-items: start; font-size: 15.5px; font-weight: 600; color: #EDF1F9; }
.hero-points .ic {
  width: 26px; height: 26px; border-radius: 8px; flex: none; margin-top: 1px;
  background: rgba(242, 105, 13, 0.16); color: var(--orange);
  display: flex; align-items: center; justify-content: center;
}
.hero-points .ic svg { width: 15px; height: 15px; }
.hero-cta-note { margin-top: 14px; font-size: 13.5px; color: var(--muted-on-dark); display: flex; align-items: center; gap: 8px; }
.hero-cta-note svg { width: 15px; height: 15px; flex: none; color: #7FD1A0; }

/* ---------- multi-step form card ---------- */
.form-card {
  background: #fff; color: var(--ink); border-radius: var(--radius);
  box-shadow: 0 24px 64px rgba(6, 12, 26, 0.45);
  padding: 30px 28px 26px; position: relative;
}
.form-card h2 { font-size: 21px; font-weight: 800; letter-spacing: -0.01em; margin-bottom: 4px; }
.form-card .form-sub { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.progress-row { display: flex; align-items: center; justify-content: space-between; font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.progress-row .pct { color: var(--muted); font-weight: 600; }
.progress-track { height: 6px; background: var(--cream-2); border-radius: 999px; overflow: hidden; margin-bottom: 22px; }
.progress-bar { height: 100%; width: 25%; background: linear-gradient(90deg, var(--orange), #FF8A3C); border-radius: 999px; transition: width .3s ease; }

.step { display: none; }
.step.active { display: block; animation: stepIn .25s ease; }
@keyframes stepIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.step-label { font-size: 16px; font-weight: 700; margin-bottom: 14px; }
.opt-list { display: grid; gap: 10px; }
.opt {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  padding: 13px 16px; cursor: pointer; font-size: 15px; font-weight: 600;
  background: #fff; transition: border-color .12s ease, background .12s ease;
  user-select: none; -webkit-user-select: none;
}
.opt:hover { border-color: #C9CFDE; }
.opt input { position: absolute; opacity: 0; pointer-events: none; }
.opt .check {
  width: 20px; height: 20px; border-radius: 6px; border: 1.5px solid var(--line);
  display: flex; align-items: center; justify-content: center; flex: none;
  color: #fff; transition: all .12s ease;
}
.opt .check svg { width: 12px; height: 12px; opacity: 0; }
.opt.selected { border-color: var(--orange); background: #FFF7F0; }
.opt.selected .check { background: var(--orange); border-color: var(--orange); }
.opt.selected .check svg { opacity: 1; }

.field { margin-bottom: 12px; }
.field label { display: block; font-size: 13.5px; font-weight: 700; margin-bottom: 6px; }
.field input {
  width: 100%; font-family: var(--sans); font-size: 15px; color: var(--ink);
  border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  padding: 12px 14px; background: #fff; outline: none;
  transition: border-color .12s ease;
}
.field input:focus { border-color: var(--orange); }
.field input.err { border-color: #D6453B; }
.field .hint { font-size: 12px; color: var(--muted); margin-top: 4px; }

.step-nav { display: flex; gap: 10px; margin-top: 18px; }
.step-nav .btn { flex: 1; }
.step-nav .btn-back { flex: 0 0 auto; padding-left: 18px; padding-right: 18px; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 14px; text-align: center; text-wrap: pretty; }
.form-note a { color: var(--muted); }
.form-error { display: none; font-size: 13.5px; color: #B3352C; background: #FDF1F0; border: 1px solid #F2D3D0; border-radius: 8px; padding: 10px 12px; margin-top: 12px; }

/* ---------- trust strip ---------- */
.trust { background: var(--cream); border-bottom: 1px solid var(--line); }
.trust-in { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 38px; padding: 18px 0; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 13.5px; font-weight: 600; color: var(--muted); }
.trust-item svg { width: 15px; height: 15px; color: var(--navy); flex: none; }

/* ---------- sections ---------- */
.section { padding: 84px 0; }
.section.alt { background: var(--cream-2); }
.sec-head { max-width: 78ch; margin: 0 auto 48px; text-align: center; }
.sec-kicker { display: inline-block; color: var(--orange); font-size: 13.5px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px; }
.sec-head h2 { font-size: clamp(27px, 3.4vw, 38px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.18; margin-bottom: 14px; }
.sec-head .lead { font-size: 17px; color: var(--muted); text-wrap: pretty; }

.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px 26px; box-shadow: var(--card-shadow);
}
.card .card-ic {
  width: 44px; height: 44px; border-radius: 12px; margin-bottom: 18px;
  background: var(--cream-2); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
}
.card .card-ic.warn { background: #FDF1EC; color: var(--orange-dark); }
.card .card-ic svg { width: 21px; height: 21px; }
.card h3 { font-size: 17.5px; font-weight: 800; margin-bottom: 8px; letter-spacing: -0.01em; }
.card p { font-size: 14.5px; color: var(--muted); }

/* steps (mechanism) — grid, not flex (mobile rule) */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; box-shadow: var(--card-shadow);
  display: grid; grid-template-columns: auto 1fr; column-gap: 14px; align-content: start;
}
.step-card .num {
  grid-row: span 2; width: 34px; height: 34px; border-radius: 10px; margin-top: 2px;
  background: var(--navy); color: #fff; font-weight: 800; font-size: 15px;
  display: flex; align-items: center; justify-content: center;
}
.step-card h3 { font-size: 15.5px; font-weight: 800; margin-bottom: 6px; line-height: 1.3; }
.step-card p { font-size: 13.5px; color: var(--muted); grid-column: 2; }

/* benefits grid (objections → benefits) */
.benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.benefit {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--card-shadow);
  display: grid; grid-template-columns: auto 1fr; column-gap: 14px;
}
.benefit .b-ic {
  grid-row: span 2; width: 38px; height: 38px; border-radius: 10px; margin-top: 2px;
  background: #FDF1EC; color: var(--orange-dark);
  display: flex; align-items: center; justify-content: center;
}
.benefit .b-ic svg { width: 18px; height: 18px; }
.benefit h3 { font-size: 15.5px; font-weight: 800; margin-bottom: 5px; }
.benefit p { font-size: 13.5px; color: var(--muted); grid-column: 2; }

/* ---------- market band (navy) ---------- */
.market { background: linear-gradient(160deg, #101B33 0%, var(--navy) 60%, #1E3055 100%); color: #fff; }
.market .sec-head h2 { color: #fff; }
.market .sec-head .lead { color: var(--muted-on-dark); }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 34px; }
.stat {
  background: rgba(255, 255, 255, 0.05); border: 1px solid var(--line-dark);
  border-radius: var(--radius); padding: 26px 22px; text-align: center;
}
.stat .n { display: block; font-size: clamp(28px, 3vw, 38px); font-weight: 800; letter-spacing: -0.02em; color: var(--orange); line-height: 1.1; margin-bottom: 6px; }
.stat .l { display: block; font-size: 13.5px; color: var(--muted-on-dark); font-weight: 600; }
.stat .src { display: block; font-size: 13px; color: rgba(185, 194, 216, 0.65); margin-top: 6px; font-weight: 500; }
.market-note {
  max-width: 78ch; margin: 0 auto; text-align: center; font-size: 16.5px;
  color: #EDF1F9; text-wrap: pretty;
}
.market-note strong { color: var(--orange); }

/* ---------- platform ---------- */
.plat-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 30px; }
.chip {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  font-size: 13.5px; font-weight: 600; color: var(--ink); padding: 9px 16px;
}
.chip svg { width: 14px; height: 14px; color: var(--orange-dark); flex: none; }

/* ---------- risk reversal ---------- */
.risk {
  display: grid; grid-template-columns: auto 1fr; gap: 22px; align-items: start;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--card-shadow); padding: 34px 32px; max-width: 860px; margin: 0 auto;
}
.risk .r-ic {
  width: 52px; height: 52px; border-radius: 14px; background: #EFF6F0; color: #2E7D4F;
  display: flex; align-items: center; justify-content: center;
}
.risk .r-ic svg { width: 25px; height: 25px; }
.risk h3 { font-size: 20px; font-weight: 800; margin-bottom: 8px; }
.risk p { font-size: 15px; color: var(--muted); text-wrap: pretty; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: 12px; }
details.faq {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 0 20px; box-shadow: var(--card-shadow);
}
details.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center;
  gap: 14px; font-size: 15.5px; font-weight: 700; padding: 17px 0;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary .pl { flex: none; color: var(--orange); transition: transform .18s ease; }
details.faq[open] summary .pl { transform: rotate(45deg); }
details.faq .faq-a { font-size: 14.5px; color: var(--muted); padding: 0 0 18px; text-wrap: pretty; }

/* ---------- final CTA ---------- */
.final { background: linear-gradient(160deg, #101B33 0%, var(--navy) 60%, #1E3055 100%); color: #fff; text-align: center; }
.final h2 { font-size: clamp(27px, 3.4vw, 38px); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 14px; }
.final p { font-size: 17px; color: var(--muted-on-dark); max-width: 78ch; margin: 0 auto 30px; text-wrap: pretty; }

/* ---------- footer ---------- */
.footer { background: var(--cream); border-top: 1px solid var(--line); padding: 34px 0; }
.footer-in { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; }
.footer-logo img { height: 24px; width: auto; }
.footer-links { display: flex; gap: 10px; font-size: 13.5px; color: var(--muted); }
.footer-links a { text-decoration: none; display: inline-flex; align-items: center; min-height: 44px; padding: 0 6px; }
.footer-links a:hover { text-decoration: underline; }
.footer-note { width: 100%; font-size: 13px; color: var(--muted); }

/* ---------- danke page ---------- */
.ty-wrap { min-height: calc(100vh - 64px); display: flex; align-items: flex-start; justify-content: center; padding: 60px 24px 80px; }
.ty { max-width: 720px; width: 100%; }
.ty-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--card-shadow); padding: 44px 40px; text-align: center;
}
.ty-ic {
  width: 64px; height: 64px; border-radius: 50%; margin: 0 auto 22px;
  background: #EFF6F0; color: #2E7D4F; display: flex; align-items: center; justify-content: center;
}
.ty-ic svg { width: 30px; height: 30px; }
.ty h1 { font-size: clamp(26px, 4vw, 34px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.15; margin-bottom: 12px; }
.ty .ty-sub { font-size: 16.5px; color: var(--muted); margin-bottom: 30px; text-wrap: pretty; }
.ty-steps { text-align: left; display: grid; gap: 14px; margin-bottom: 8px; }
.ty-step { display: grid; grid-template-columns: auto 1fr; gap: 14px; align-items: start; }
.ty-step .num {
  width: 30px; height: 30px; border-radius: 9px; background: var(--navy); color: #fff;
  font-weight: 800; font-size: 14px; display: flex; align-items: center; justify-content: center; margin-top: 1px;
}
.ty-step h3 { font-size: 15px; font-weight: 800; }
.ty-step p { font-size: 13.5px; color: var(--muted); }
.ty-book { margin-top: 34px; background: var(--navy); color: #fff; border-radius: var(--radius); padding: 34px 32px; text-align: center; }
.ty-book h2 { font-size: 21px; font-weight: 800; margin-bottom: 8px; }
.ty-book p { font-size: 14.5px; color: var(--muted-on-dark); margin-bottom: 20px; }
.ty-book iframe { width: 100%; min-height: 680px; border: 0; border-radius: 10px; background: #fff; }
.ty-fallback { background: rgba(255, 255, 255, 0.06); border: 1px solid var(--line-dark); border-radius: 10px; padding: 20px; font-size: 14.5px; color: #EDF1F9; }

/* ---------- mobile ---------- */
@media (max-width: 900px) {
  .hero-in { grid-template-columns: 1fr; gap: 40px; padding: 48px 0 56px; }
  .cards-3, .benefits, .steps { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .section { padding: 56px 0; }
  .sec-head { margin-bottom: 34px; }
  .hero h1 { font-size: 31px; }
  .hero .sub { font-size: 16px; }
  .cards-3, .benefits, .steps { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; gap: 12px; }
  .stat { padding: 20px 14px; }
  .form-card { padding: 24px 18px 20px; }
  .risk { grid-template-columns: 1fr; padding: 26px 22px; }
  .header .btn-sm { font-size: 13px; padding: 9px 14px; }
  .trust-in { gap: 10px 20px; }
  .ty-card { padding: 32px 22px; }
  .ty-book { padding: 26px 18px; }
}