/* finanzpapa – angelehnt an die SB-Website.
   Radius-System: Flächen/Karten 24px, Medien 20px, alles Interaktive als Pille.
   Farbe: Sand = Fläche, Tanne = Schrift und Akzent, Koralle nur in Logo und kleinen Markern. */

@font-face{font-family:"Fredoka";font-weight:500;font-display:swap;src:url(/schriften/fredoka-500.woff2) format("woff2")}
@font-face{font-family:"Fredoka";font-weight:600;font-display:swap;src:url(/schriften/fredoka-600.woff2) format("woff2")}
@font-face{font-family:"Inter";font-weight:400;font-display:swap;src:url(/schriften/inter-400.woff2) format("woff2")}
@font-face{font-family:"Inter";font-weight:500;font-display:swap;src:url(/schriften/inter-500.woff2) format("woff2")}
@font-face{font-family:"Inter";font-weight:600;font-display:swap;src:url(/schriften/inter-600.woff2) format("woff2")}

:root{
  --bg:#F4E7D3; --surface:#FCF6EB; --surface-2:#EDDDC4;
  --ink:#1F3328; --ink-2:#4E5E52; --ink-3:#6E7A6B;
  --line:rgb(20 67 47 / .12);
  --tanne:#14432F; --tanne-2:#1F5A40; --tanne-tief:#0D3021;
  --auf-tanne:#F4E7D3; --auf-tanne-2:#B9C9B8;
  --koralle:#E4674B;
  --shadow:0 1px 2px rgb(20 67 47 / .06), 0 14px 40px -14px rgb(20 67 47 / .22);
  --nav-bg:rgb(244 231 211 / .82);
  --display:"Fredoka","Trebuchet MS",sans-serif;
  --body:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --r-card:24px; --r-media:20px;
  --ease:cubic-bezier(.16,1,.3,1);
  --wrap:1200px; --gutter:clamp(16px,4vw,40px);
  color-scheme:light;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6;
  -webkit-font-smoothing:antialiased;overflow-x:clip}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
:focus-visible{outline:2px solid var(--tanne-2);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:12px;z-index:100;background:var(--surface);padding:10px 16px;border-radius:999px}

.wrap{width:100%;max-width:calc(var(--wrap) + var(--gutter)*2);margin:0 auto;padding:0 var(--gutter)}
.wrap--schmal{max-width:calc(780px + var(--gutter)*2)}
.section{padding:clamp(72px,10vw,140px) 0}
.section--tight{padding:clamp(48px,6vw,88px) 0}
.wrap.section,.wrap.section--tight{padding-left:var(--gutter);padding-right:var(--gutter)}

h1,h2,h3{margin:0;font-family:var(--display);font-weight:600;line-height:1.08;letter-spacing:-.01em;
  color:var(--tanne);text-wrap:balance}
.display{font-size:clamp(2.6rem,6.2vw,5rem);line-height:1.02}
.h2{font-size:clamp(2rem,4vw,3.1rem)}
.h3{font-size:1.3rem;line-height:1.2}
.kicker{font:600 12.5px/1.3 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--tanne-2);margin:0 0 18px}
.lead{font-size:clamp(1.05rem,1.4vw,1.2rem);color:var(--ink-2);max-width:56ch;margin:20px 0 0}
.kopfzeile{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:clamp(32px,4vw,52px)}
.kopfzeile .lead{margin-top:14px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:0 24px;
  border-radius:999px;font:600 15.5px/1 var(--body);text-decoration:none;white-space:nowrap;cursor:pointer;
  background:var(--tanne);color:var(--auf-tanne);border:1.5px solid transparent;
  transition:background .25s var(--ease),transform .25s var(--ease),border-color .25s var(--ease)}
.btn:hover{background:var(--tanne-tief)}
.btn:active{transform:scale(.98)}
.btn svg{width:18px;height:18px;flex:none;transition:transform .3s var(--ease)}
.btn:hover svg.pfeil{transform:translateX(3px)}
.btn--hell{background:var(--auf-tanne);color:var(--tanne)}
.btn--hell:hover{background:#fff}
.btn--rand{background:transparent;color:var(--tanne);border-color:rgb(20 67 47 / .3)}
.btn--rand:hover{background:var(--surface);border-color:var(--tanne)}
.btn--rand-hell{background:transparent;color:var(--auf-tanne);border-color:rgb(244 231 211 / .35)}
.btn--rand-hell:hover{background:rgb(244 231 211 / .08);border-color:var(--auf-tanne)}
.btn--klein{min-height:40px;padding:0 18px;font-size:14.5px}
.btn--gross{min-height:56px;padding:0 30px;font-size:16.5px}
.knoepfe{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.textlink{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15.5px;color:var(--tanne);text-decoration:none}
.textlink svg{width:18px;height:18px;transition:transform .3s var(--ease)}
.textlink:hover svg{transform:translateX(4px)}

/* ---------- Kopf ---------- */
.nav{position:sticky;top:0;z-index:50;background:var(--nav-bg);
  -webkit-backdrop-filter:saturate(1.4) blur(14px);backdrop-filter:saturate(1.4) blur(14px);
  border-bottom:1px solid var(--line)}
.nav__in{display:flex;align-items:center;gap:24px;min-height:80px}
.nav__logo img{width:clamp(170px,15vw,210px)}
.nav__logo{margin-right:auto}
.nav__links{display:flex;gap:30px}
.nav__links a{font-size:15px;font-weight:500;color:var(--ink-2);text-decoration:none;transition:color .2s}
.nav__links a:hover{color:var(--tanne)}
.nav__cta{margin-left:8px}
.nav__cta .kurz{display:none}
@media (max-width:900px){
  .nav__links{display:none}
}
@media (max-width:480px){
  .nav__logo img{width:150px}
  .nav__cta .lang{display:none}
  .nav__cta .kurz{display:inline}
}

/* ---------- Hero ---------- */
.hero{padding:12px 0 0}
.hero__karte{position:relative;overflow:hidden;border-radius:28px;color:var(--auf-tanne);
  background:radial-gradient(120% 90% at 78% 30%,#2A6B4D 0%,var(--tanne) 48%,var(--tanne-tief) 100%);
  display:grid;grid-template-columns:1.05fr .95fr}
.hero__text{padding:clamp(40px,6vw,88px) 0 clamp(40px,6vw,88px) clamp(28px,5vw,72px);align-self:center;position:relative;z-index:1}
.hero .kicker{color:var(--auf-tanne-2)}
.hero h1{color:var(--auf-tanne)}
.hero .lead{color:var(--auf-tanne-2)}
.hero__bild{position:relative;align-self:end;display:flex;justify-content:center}
.hero__bild img{width:auto;max-width:100%;max-height:min(620px,calc(100vh - 150px));margin-top:32px}
.hero__marke{display:flex;flex-wrap:wrap;gap:10px 22px;margin:34px 0 0;padding:0;list-style:none;font-size:14.5px;color:var(--auf-tanne-2)}
.hero__marke li{display:flex;align-items:center;gap:8px}
.hero__marke svg{width:17px;height:17px;color:var(--koralle)}
@media (max-width:860px){
  .hero__karte{grid-template-columns:1fr;min-height:0}
  .hero__text{padding:40px 24px 8px}
  .hero__bild img{width:min(84%,400px);max-height:none}
}

/* ---------- Karten ---------- */
.karte{background:var(--surface);border-radius:var(--r-card);padding:clamp(24px,3vw,36px);position:relative;
  border:1px solid rgb(20 67 47 / .06)}
.karte--dunkel{background:var(--tanne);color:var(--auf-tanne);border-color:transparent}

.karte--sand{background:var(--surface-2);border-color:transparent}
.karte h3{margin:18px 0 8px}
.karte p{margin:0;color:var(--ink-2);font-size:15.5px}
.karte.karte--dunkel h3{color:var(--auf-tanne)}
.karte.karte--dunkel p{color:var(--auf-tanne-2)}
.icon{width:44px;height:44px;border-radius:14px;display:grid;place-items:center;background:var(--surface-2);color:var(--tanne)}
.icon svg{width:22px;height:22px}
.karte--dunkel .icon{background:rgb(244 231 211 / .1);color:var(--auf-tanne)}
.karte--sand .icon{background:var(--surface)}

/* Bento "Beratung" */
.bento{display:grid;grid-template-columns:1.15fr 1fr;gap:16px}
.bento__gross{display:flex;flex-direction:column;gap:24px}
.bento__foto{position:relative;border-radius:var(--r-media);overflow:hidden;flex:1;min-height:300px;background:#ddd}
.bento__foto img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 22%}
.bento__rechts{display:grid;grid-template-rows:1fr 1fr;gap:16px}
.bento__rechts .karte{display:flex;flex-direction:column;justify-content:flex-start}
.bento__rechts .karte p{max-width:44ch}
@media (max-width:860px){ .bento{grid-template-columns:1fr} .bento__foto{flex:none;min-height:0;aspect-ratio:1/1} .bento__rechts{grid-template-rows:none} }

/* Leitfäden */
.leitfaeden{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.leitfaden{display:grid;grid-template-columns:1fr 34%;gap:24px;align-items:center;text-decoration:none;color:inherit;
  transition:transform .4s var(--ease),box-shadow .4s var(--ease)}
.leitfaden:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.leitfaden__text{display:flex;flex-direction:column;height:100%}
.leitfaden__text h3{margin:14px 0 8px}
.leitfaden__text p{margin:0 0 22px}
.leitfaden__text .textlink{margin-top:auto}
.cover{border-radius:10px;overflow:hidden;box-shadow:0 1px 2px rgb(20 67 47 / .1),0 18px 36px -18px rgb(20 67 47 / .45);
  transform:rotate(2deg);transition:transform .5s var(--ease)}
.cover img{width:100%}
.leitfaden:hover .cover{transform:rotate(0) scale(1.03)}
@media (max-width:420px){ .leitfaden{grid-template-columns:1fr 30%;gap:16px} }
.chip{display:inline-flex;align-items:center;gap:6px;align-self:flex-start;padding:5px 12px;border-radius:999px;
  background:var(--surface-2);font:600 12.5px/1.2 var(--body);color:var(--tanne)}
.karte--dunkel .chip{background:rgb(244 231 211 / .12);color:var(--auf-tanne)}
.karte--dunkel .textlink{color:var(--auf-tanne)}
.hinweiszeile{display:flex;gap:10px 28px;flex-wrap:wrap;margin:28px 0 0;padding:0;list-style:none;font-size:15px;color:var(--ink-2)}
.hinweiszeile li{display:flex;align-items:center;gap:8px}
.hinweiszeile svg{width:18px;height:18px;color:var(--tanne-2)}
@media (max-width:760px){ .leitfaeden{grid-template-columns:1fr} }

/* Ablauf */
.schritte{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,4vw,56px);counter-reset:s}
.schritt__nr{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--tanne);
  color:var(--auf-tanne);font:600 14px/1 var(--body)}
.schritt h3{margin:20px 0 10px;font-size:1.35rem}
.schritt p{margin:0 0 18px;color:var(--ink-2);font-size:15.5px}
.haken{list-style:none;margin:0;padding:18px 0 0;border-top:1px solid var(--line);display:flex;flex-direction:column;gap:10px}
.haken li{display:flex;gap:10px;font-size:15px;color:var(--ink-2)}
.haken svg{flex:none;width:18px;height:18px;margin-top:3px;color:var(--tanne-2)}
@media (max-width:860px){ .schritte{grid-template-columns:1fr} }

/* FAQ */
.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(32px,6vw,96px);align-items:start}
.faq__kopf{position:sticky;top:110px}
.faq__kopf p{color:var(--ink-2);margin:16px 0 0}
.faq__kopf a{font-weight:600;color:var(--tanne)}
.faq__liste{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:20px;padding:22px 0;
  font:600 16.5px/1.4 var(--body);color:var(--tanne)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;margin-left:auto;width:12px;height:12px;
  background:linear-gradient(currentColor,currentColor) center/12px 1.6px no-repeat,linear-gradient(currentColor,currentColor) center/1.6px 12px no-repeat;
  transition:transform .3s var(--ease)}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 24px;color:var(--ink-2);max-width:62ch}
@media (max-width:860px){ .faq{grid-template-columns:1fr} .faq__kopf{position:static} }

/* Abschluss-Karte */
.cta{border-radius:28px;background:radial-gradient(90% 120% at 85% 0%,#2A6B4D 0%,var(--tanne) 55%,var(--tanne-tief) 100%);
  color:var(--auf-tanne);padding:clamp(40px,6vw,80px);display:grid;grid-template-columns:1fr auto;gap:32px 48px;align-items:end}
.cta h2{color:var(--auf-tanne)}
.cta p{color:var(--auf-tanne-2);margin:16px 0 0;max-width:46ch}
.cta .knoepfe{margin-top:0;justify-content:flex-end}
.cta .cta__tel{max-width:none;margin:0;grid-column:1/-1;font-size:15px;color:var(--auf-tanne-2);border-top:1px solid rgb(244 231 211 / .14);padding-top:22px}
.cta__tel a{color:var(--auf-tanne);font-weight:600;text-decoration:none}
@media (max-width:860px){ .cta{grid-template-columns:1fr} .cta .knoepfe{justify-content:flex-start} }

/* ---------- Fuß ---------- */
.fuss{padding:clamp(56px,7vw,88px) 0 36px;border-top:1px solid var(--line)}
.fuss__raster{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:32px}
.fuss__raster img{width:190px;margin-bottom:16px}
.fuss__raster p{margin:0;font-size:15px;color:var(--ink-2);max-width:36ch}
.fuss h4{margin:0 0 14px;font:600 12px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3)}
.fuss ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.fuss ul a{text-decoration:none;font-size:15px;color:var(--ink-2)}
.fuss ul a:hover{color:var(--tanne)}
.fuss__recht{margin-top:48px;padding-top:22px;border-top:1px solid var(--line);font-size:13.5px;color:var(--ink-3)}
@media (max-width:860px){ .fuss__raster{grid-template-columns:1fr 1fr} .fuss__raster>div:first-child{grid-column:1/-1} }
@media (max-width:480px){ .fuss__raster{grid-template-columns:1fr} }

/* ---------- Leitfaden-Seiten ---------- */
.lf-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(32px,5vw,72px);align-items:center;padding:clamp(40px,6vw,88px) 0 clamp(40px,5vw,72px)}
.lf-hero .lead{margin-top:22px}
.lf-hero__meta{margin:14px 0 0;font-size:14px;color:var(--ink-3)}
.lf-hero__bild{border-radius:var(--r-card);background:var(--surface-2);padding:clamp(28px,5vw,64px);display:grid;place-items:center}
.lf-hero__bild .cover{width:min(100%,360px)}
.zurueck{display:inline-flex;align-items:center;gap:8px;font-size:14.5px;font-weight:500;color:var(--ink-2);text-decoration:none;margin-bottom:28px}
.zurueck:hover{color:var(--tanne)}
.zurueck svg{width:16px;height:16px}
.inhalt{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.inhalt .schritt__nr{margin-bottom:4px}
.inhalt h3{font-size:1.15rem}
.lf-ausfuellen{margin-top:16px;display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center}
.lf-ausfuellen h3{margin:0 0 6px}
@media (max-width:860px){
  .lf-hero{grid-template-columns:1fr;padding-top:28px}
  .lf-hero__bild{padding:28px}
  .lf-hero__bild .cover{width:min(56%,240px)}
  .inhalt{grid-template-columns:1fr}
}
@media (max-width:480px){ .lf-hero .btn--gross{width:100%} }

/* ---------- Rechtsseiten ---------- */
.recht{padding:clamp(40px,6vw,80px) 0 clamp(56px,7vw,96px)}
.recht h1{font-size:clamp(2.2rem,5vw,3.4rem)}
.recht .stand{color:var(--ink-3);font-size:15px;margin:12px 0 40px}
.recht h2{font-size:1.45rem;margin:44px 0 14px}
.recht h3{font-size:1.1rem;margin:28px 0 10px;font-family:var(--body);font-weight:600}
.recht p,.recht li{color:var(--ink-2);font-size:16px}
.recht ul{padding-left:20px}
.recht li{margin-bottom:8px}
.recht .block{background:var(--surface);border-radius:18px;padding:20px 24px;margin:12px 0}
.recht .block p{margin:0 0 10px}
.recht .block p:last-child{margin-bottom:0}
.recht a{color:var(--tanne);text-underline-offset:3px}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition:none!important}
}

.leitfaeden--drei{grid-template-columns:repeat(3,1fr)}
@media (max-width:960px){ .leitfaeden--drei{grid-template-columns:1fr 1fr} }
@media (max-width:620px){ .leitfaeden--drei{grid-template-columns:1fr} }