/* Darlehenslotse Premium V6 – isolated visual layer, loaded after existing CSS. */
:root {
  --c-onyx: #10191f;
  --c-anthrazit: #142029;
  --c-gold: #cba367;
  --c-gold-hell: #e6c58e;
  --c-bronze: #987346;
  --c-elfenbein: #f7f6f3;
  --c-tinte: #18232b;
  --c-tinte-2: #4e5b63;
  --c-perl: #ffffff;
  --c-perl-2: #f7f8f8;
  --c-grau-1: #f3f5f5;
  --c-grau-2: #e3e8e8;
  --c-rand: #d7dfdf;
  --c-gold-dim: rgba(203, 163, 103, .13);
  --grad-gold: linear-gradient(135deg, #e6c58e, #cba367);
  --f-head: "Segoe UI", "Inter", system-ui, sans-serif;
  --f-body: "Segoe UI", "Inter", system-ui, sans-serif;
  --f-heading: var(--f-head);
  --c-text-muted: #56636a;
  --maxw: 1200px;
  --header-h: 68px;
  --radius: 11px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --shadow: 0 16px 44px rgba(16, 25, 31, .10);
  --shadow-card: 0 10px 28px rgba(16, 25, 31, .07);
  --shadow-gold: 0 12px 32px rgba(203, 163, 103, .22);
  --transition: .3s cubic-bezier(.2,.7,.2,1);
}

html { scroll-padding-top: calc(var(--header-h) + 24px); }
body { background: var(--c-perl-2); color: var(--c-tinte); line-height: 1.6; }
body, input, button, select, textarea { font-family: var(--f-body); }
.container { max-width: var(--maxw); }

/* Branded navigation – content and link targets remain unchanged. */
.site-header {
  height: var(--header-h);
  background: rgba(16,25,31,.96);
  border-bottom: 1px solid rgba(230,197,142,.22);
  box-shadow: 0 10px 30px rgba(16,25,31,.13);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}
.site-header.scrolled { box-shadow: 0 10px 30px rgba(16,25,31,.2); }
.logo { gap: .68rem; }
.logo img { width: 36px; height: 36px; }
.logo-text { color: #fff; font: 650 1.22rem/1.1 var(--f-head); letter-spacing: -.025em; }
.logo-text strong { color: var(--c-gold-hell); -webkit-text-fill-color: var(--c-gold-hell); }
.main-nav ul { gap: clamp(.65rem, 1.4vw, 1.6rem); }
.main-nav a { color: rgba(255,255,255,.85); font-size: .83rem; font-weight: 500; }
.main-nav a:hover, .main-nav a:focus-visible { color: var(--c-gold-hell); }
.header-cta { background: var(--c-gold); color: var(--c-onyx); font-weight: 700; }
.header-cta:hover { background: var(--c-gold-hell); color: var(--c-onyx); }
.nav-toggle span { background: #fff; }
.nav-toggle[aria-expanded="true"] { background: #263944; }
.site-header .header-trust span { color: rgba(247,246,243,.85); }

.btn { border-radius: 10px; font-weight: 700; min-height: 46px; justify-content: center; }
.btn-primary { background: var(--c-gold); color: var(--c-onyx); }
.btn-primary:hover { background: var(--c-gold-hell); color: var(--c-onyx); }
.btn-secondary { background: #fff; border: 1px solid var(--c-rand); color: var(--c-onyx); }
.btn-secondary:hover { background: var(--c-perl-2); color: var(--c-onyx); }
.btn:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--c-gold);
  outline-offset: 3px;
}

/* Hero with a real independent photo asset, not a concept screenshot. */
.page-index .hero {
  background: var(--c-anthrazit);
  padding: calc(var(--header-h) + 4.25rem) 0 4.25rem;
}
.page-index .hero-bg-texture, .page-index .hero-divider { display: none; }
.page-index .hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 47fr) minmax(0, 53fr);
  gap: 2.4rem;
  align-items: stretch;
  max-width: var(--maxw);
  text-align: left;
}
.page-index .hero-content { align-self: center; min-width: 0; padding-block: 1rem; }
.page-index .hero-eyebrow, .produkt-hero .hero-eyebrow {
  color: var(--c-gold-hell);
  font-size: .77rem;
  letter-spacing: .13em;
  font-weight: 700;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}
.page-index .hero-heading, .produkt-hero .hero-heading {
  color: #fff;
  font-size: clamp(2.75rem, 4.7vw, 4.65rem);
  font-weight: 700;
  line-height: 1.06;
  letter-spacing: -.045em;
  margin-bottom: 1.4rem;
}
.page-index .hero-heading em, .produkt-hero .hero-heading em {
  color: var(--c-gold-hell);
  -webkit-text-fill-color: var(--c-gold-hell);
  font-style: normal;
}
.page-index .hero-sub, .produkt-hero .hero-sub {
  color: rgba(255,255,255,.82);
  font-size: 1.075rem;
  line-height: 1.65;
  margin: 0 0 1.6rem;
  max-width: 540px;
}
.page-index .hero-actions { justify-content: flex-start; }
.page-index .hero-actions .btn-secondary,
.produkt-hero .btn-secondary { color: #fff; border-color: rgba(255,255,255,.35); background: rgba(255,255,255,.1); }
.page-index .hero-actions .btn-secondary:hover,
.produkt-hero .btn-secondary:hover { background: rgba(255,255,255,.18); }
.hero-trustline { color: #f3ede3; font-size: .88rem; font-weight: 600; margin-top: 1.8rem; }
.hero-trustline span { color: var(--c-gold); padding-inline: .25rem; }
.page-index .hero-visual {
  display: block;
  width: 100%;
  height: clamp(340px, 37vw, 510px);
  overflow: hidden;
  border-radius: 18px;
  box-shadow: 0 28px 60px rgba(0,0,0,.26);
}
.page-index .hero-visual img { width: 100%; height: 100%; object-fit: cover; object-position: 64% 50%; }

/* Five coherent product cards, each with the correct actual calculator link. */
.produkte { background: #fff; padding: 5.5rem 0 6rem; }
.produkte .section-heading, .produkte .section-eyebrow { text-align: left; }
.section-heading { font-family: var(--f-head); color: var(--c-tinte); font-weight: 700; letter-spacing: -.035em; line-height: 1.13; }
.section-eyebrow { color: #87643a; font-size: .76rem; font-weight: 750; letter-spacing: .11em; text-transform: uppercase; }
.produkt-grid { grid-template-columns: repeat(5, minmax(0,1fr)); gap: 14px; margin-top: 2.15rem; }
.produkt-card {
  padding: 0;
  gap: 0;
  background: #fff;
  border: 1px solid var(--c-rand);
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(16,25,31,.05);
  overflow: hidden;
  min-width: 0;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.produkt-card:hover { border-color: var(--c-gold); box-shadow: var(--shadow); transform: translateY(-3px); }
.produkt-photo { display: block; overflow: hidden; aspect-ratio: 4/3; }
.produkt-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .55s ease; }
.produkt-card:hover .produkt-photo img { transform: scale(1.035); }
.produkt-card h3 { font: 700 1.05rem/1.25 var(--f-head); color: var(--c-tinte); padding: 1.05rem 1rem 0; letter-spacing: -.02em; }
.produkt-card p { color: var(--c-tinte-2); font-size: .84rem; line-height: 1.5; padding: .6rem 1rem 1rem; }
.produkt-actions { display: flex; flex-wrap: wrap; align-items: center; gap: .6rem; padding: .85rem 1rem 1.05rem; border-top: 1px solid var(--c-grau-2); margin-top: auto; }
.produkt-link, .produkt-calc { color: #75542c; font-size: .79rem; font-weight: 700; white-space: nowrap; }
.produkt-calc { margin-left: auto; color: var(--c-tinte); }
.produkt-calc svg { display: inline-block; vertical-align: -.15em; width: 14px; height: 14px; }
.produkt-actions a:hover { color: #9b713d; text-decoration: underline; text-underline-offset: .2em; }

/* Keep information-heavy sections calm and crawlable. */
.rechner-section, .produkt-text, .faq, .legal-section { background: #fff; }
.rechner-section--soft, .produkt-leistung, .vorteile, .berater { background: var(--c-perl-2); }
.prozess { background: var(--c-anthrazit); }
.prozess .section-heading, .prozess-step h3 { color: #fff; }
.prozess-step p { color: rgba(255,255,255,.72); }
.step-icon { background: #21333e; border-color: rgba(203,163,103,.25); box-shadow: none; color: var(--c-gold-hell); }
.step-num { color: var(--c-gold-hell); }
.prozess-connector { background: rgba(203,163,103,.35); }
.leistung-item, .berater-card, .rechner-teaser, .sidebar-card { border: 1px solid var(--c-rand); background: #fff; box-shadow: var(--shadow-card); }
.leistung-item, .vorteil-item { padding: clamp(1.25rem, 3vw, 1.75rem); border-radius: 14px; }
.berater-grid { grid-template-columns: minmax(0, 1fr); }
.leistung-item h3, .vorteil-item h3, .berater-card h3 { color: var(--c-tinte); font-family: var(--f-head); font-weight: 700; }
.leistung-item p, .vorteil-item p { color: var(--c-tinte-2); }
.trust-leiste { background: #fff; border-color: var(--c-grau-2); }
.trust-items li { color: var(--c-tinte-2); }
.faq-item { background: var(--c-perl-2); border: 1px solid var(--c-rand); }
.faq-question { color: var(--c-tinte); font-weight: 650; }
.region { background: var(--c-perl-2); padding: 5rem 0; }
.region-inner { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); align-items: center; gap: 3.25rem; }
.region-photo { min-height: 370px; border-radius: 18px; background: url('../img/kontakt-arbeitsplatz-v2.webp') center/cover no-repeat; box-shadow: var(--shadow-card); }
.region-copy p:not(.section-eyebrow) { color: var(--c-tinte-2); margin-top: 1rem; line-height: 1.7; }
.region-link { display: inline-flex; margin-top: 1.2rem; font-weight: 700; color: #75542c; }
.region-link:hover { text-decoration: underline; text-underline-offset: .2em; }
.cta-sektion { background: var(--c-anthrazit); }
.cta-heading { color: #fff; }
.cta-heading { hyphens: none; -webkit-hyphens: none; overflow-wrap: normal; word-break: normal; }
.cta-sub, .cta-hint { color: rgba(255,255,255,.76); }

/* Product photography: each original page keeps its full HTML and real calculator. */
.breadcrumb { background: var(--c-anthrazit); border-color: rgba(255,255,255,.15); }
.breadcrumb-list li, .breadcrumb-list li:last-child { color: rgba(255,255,255,.75); }
.breadcrumb-list a { color: var(--c-gold-hell); }
.produkt-hero {
  position: relative;
  background: var(--c-anthrazit);
  color: #fff;
  min-height: 450px;
  padding: 5.1rem 0;
  text-align: left;
}
.produkt-hero::before { display: block; position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, #142029 1%, rgba(20,32,41,.98) 39%, rgba(20,32,41,.38) 75%, rgba(20,32,41,.15)); }
.produkt-hero::after { content: ""; position: absolute; inset: 0; background-size: cover; background-position: center 48%; }
.page-baufinanzierung .produkt-hero::after { background-image: url('../img/baufinanzierung-traumhaus-gold.webp'); }
.page-anschlussfinanzierung .produkt-hero::after { background-image: url('../img/anschlussfinanzierung-planung-gold.webp'); }
.page-modernisierungskredit .produkt-hero::after { background-image: url('../img/modernisierung-solarhaus-gold.webp'); }
.page-kapitalanlagefinanzieren .produkt-hero::after { background-image: url('../img/kapitalanlage-expose-gold.webp'); }
.page-privatkredit .produkt-hero::after { background-image: url('../img/privatkredit-gemeinsam-gold.webp'); background-position: center 42%; }
.produkt-hero-inner { position: relative; z-index: 2; display: block; max-width: var(--maxw); text-align: left; }
.produkt-hero-content { max-width: 590px; }
.produkt-hero-badge { display: none; }
.produkt-hero .hero-sub { margin-inline: 0; }
.produkt-hero .hero-actions { justify-content: flex-start; }
.hero-hint { color: rgba(255,255,255,.66); }

/* Calculator and request surfaces stay usable and readable. */
.rechner-card, .service-group, .service-success { border: 1px solid var(--c-rand); background: #fff; box-shadow: var(--shadow-card); }
.form-step { border: 0; background: #fff; box-shadow: var(--shadow-card); }
.rechner-results { background: var(--c-anthrazit); border-color: rgba(203,163,103,.35); }
.rechner-results::before { background: none; }
.rechner-results h3 { color: #fff; font-family: var(--f-head); }
.rechner-result { border-color: rgba(255,255,255,.17); background: rgba(255,255,255,.06); }
.rechner-result > span { color: rgba(255,255,255,.78); }
.rechner-result strong { color: var(--c-gold-hell); }
.rechner-results .btn { white-space: normal; text-align: center; line-height: 1.32; overflow-wrap: anywhere; padding-inline: 1.2rem; }
.rechner-field input, .rechner-field select { border-color: var(--c-rand); color: var(--c-tinte); background: #fff; }
.form-page { background: var(--c-perl-2); }
.form-page-title, .step-legend, .legal-heading { color: var(--c-tinte); font-family: var(--f-head); font-weight: 700; }
.form-step { border-radius: 18px; }
.service-page { background: var(--c-perl-2); }
.service-hero { background: linear-gradient(180deg, var(--c-anthrazit) 0, var(--c-anthrazit) 260px, var(--c-perl-2) 260px); }
.service-shell > .section-eyebrow, .service-shell > h1 { color: #fff; }
.service-shell > h1 { font-family: var(--f-head); font-weight: 700; }
.service-intro { color: rgba(255,255,255,.82); }
.service-option input:checked + span { border-color: var(--c-gold); background: #fffcf7; }
.legal-heading { border-bottom: 0; }
.legal-block h2, .legal-block h3 { color: var(--c-tinte); }
.legal-block a { color: #815c2f; text-decoration: underline; text-underline-offset: .18em; }

/* Footer and small-screen conversion controls. */
.site-footer { background: var(--c-onyx); border-color: rgba(255,255,255,.12); }
.site-footer .logo-text { color: #fff; }
.footer-col-title { color: #fff; }
.footer-adresse, .footer-col a, .footer-bottom p, .footer-disclaimer { color: rgba(255,255,255,.7); }
.footer-col a:hover, .footer-bottom a:hover, .cc-footer-link:hover { color: var(--c-gold-hell); }
.footer-bottom { border-top-color: rgba(255,255,255,.15); }
.sticky-cta { background: rgba(20,32,41,.95); border-top: 1px solid rgba(203,163,103,.3); }
.sticky-cta .btn { color: var(--c-onyx); }

@media (max-width: 1080px) {
  .produkt-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .page-index .hero-inner { gap: 1.5rem; }
}
@media (max-width: 768px) {
  :root { --header-h: 64px; }
  .container { padding-inline: 1.25rem; }
  .site-header { height: var(--header-h); }
  .main-nav { background: var(--c-anthrazit); }
  .site-header .main-nav a,
  .site-header .main-nav a:hover,
  .site-header .main-nav a:focus-visible { color: #f7f4ed; }
  .site-header .main-nav a:hover,
  .site-header .main-nav a:focus-visible { background: rgba(203,163,103,.14); }
  .nav-toggle span { background: #fff; }
  .page-index .hero { padding: calc(var(--header-h) + 2.5rem) 0 3rem; }
  .page-index .hero-inner { grid-template-columns: 1fr; gap: 2rem; }
  .page-index .hero-content { padding: 0; }
  .page-index .hero-heading, .produkt-hero .hero-heading { font-size: clamp(2.55rem, 9vw, 4rem); }
  .page-index .hero-sub, .produkt-hero .hero-sub { font-size: 1rem; }
  .page-index .hero-visual { height: clamp(250px, 60vw, 390px); }
  .produkte { padding: 4rem 0; }
  .produkt-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .produkt-hero { padding: 4.25rem 0; min-height: 430px; }
  .produkt-hero::before { background: linear-gradient(90deg, rgba(20,32,41,.94), rgba(20,32,41,.68)); }
  .produkt-hero-content { max-width: 540px; }
  .region-inner { grid-template-columns: 1fr; gap: 2rem; }
  .region-photo { min-height: 300px; }
  .site-footer { padding-bottom: 1.5rem; }
}
@media (max-width: 520px) {
  .rechner-result { flex-direction: column; align-items: flex-start; }
  .rechner-result > span { overflow-wrap: normal; hyphens: none; }
  .rechner-result strong { text-align: left; }
  .page-index .hero-heading { font-size: clamp(2.3rem, 11vw, 3.3rem); }
  .produkt-hero .hero-heading { font-size: clamp(1.95rem, 8.4vw, 2.65rem); }
  .page-index .hero-actions { display: grid; grid-template-columns: minmax(0, 1fr); }
  .page-index .hero-actions .btn { width: 100%; min-width: 0; white-space: normal; text-align: center; padding-inline: 1rem; }
  .produkt-grid { grid-template-columns: 1fr; gap: 1rem; }
  .produkt-photo { aspect-ratio: 16/9; }
  .produkt-card h3 { font-size: 1.14rem; }
  .produkt-card p { font-size: .9rem; }
  .region { padding: 3.25rem 0; }
  .region-photo { min-height: 220px; }
  .produkt-hero { min-height: 440px; }
  .produkt-hero::after { background-position: 66% center; }
  .produkt-hero::before { background: linear-gradient(90deg, rgba(20,32,41,.94), rgba(20,32,41,.77)); }
  .rechner-results .btn { width: 100%; }
  .service-hero { background: linear-gradient(180deg, var(--c-anthrazit) 0, var(--c-anthrazit) 225px, var(--c-perl-2) 225px); }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; transition-duration: .01ms !important; }
  [data-animate] { opacity: 1 !important; transform: none !important; }
}