/* Ruben Heinzelmann – Finanzen für Unternehmer · Website-Styles (CD „Klartext“ v1.0, September 2026) */
@font-face{font-family:'Montserrat';src:url('../fonts/montserrat-semibold.woff') format('woff');font-weight:600;font-display:swap}
@font-face{font-family:'Montserrat';src:url('../fonts/montserrat-bold.woff') format('woff');font-weight:700;font-display:swap}
@font-face{font-family:'Montserrat';src:url('../fonts/montserrat-extrabold.woff') format('woff');font-weight:800;font-display:swap}
@font-face{font-family:'Inter';src:url('../fonts/inter-regular.woff') format('woff');font-weight:400;font-display:swap}
@font-face{font-family:'Inter';src:url('../fonts/inter-medium.woff') format('woff');font-weight:500;font-display:swap}
@font-face{font-family:'Inter';src:url('../fonts/inter-semibold.woff') format('woff');font-weight:600;font-display:swap}

:root{
  --blau:#0070C0; --hell:#00B0F0; --grau:#A6A6A6; --text:#2B2E33; --off:#FAF8F5;
  --koralle:#C8483A; --koralle-d:#AE3B2F; --eis:#E8F2FA; --linie:#DAD7D2; --mute:#5E636B;
  --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font:400 17px/1.65 Inter,Arial,sans-serif;color:var(--text);background:var(--off);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--hell);outline-offset:3px;border-radius:4px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:99;background:var(--blau);color:#fff;padding:10px 16px;border-radius:6px}
section[id]{scroll-margin-top:84px}

h1,h2,h3{font-family:Montserrat,Arial,sans-serif;font-weight:700;line-height:1.14;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(36px,4.6vw,56px)}
h2{font-size:clamp(28px,3.3vw,40px)}
h3{font-size:19px}
h1 em,h2 em{font-style:normal;color:var(--blau)}
.over{font:600 13px Montserrat,Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--blau);display:flex;align-items:center;gap:12px;margin-bottom:16px}
.over::before{content:"";width:28px;height:3px;background:var(--blau);flex:none}
.over.w{color:#fff}.over.w::before{background:#fff}
.lead{font-size:clamp(17px,1.6vw,20px);max-width:600px}
.muted{color:var(--mute)}
.section-head{max-width:760px;margin-bottom:44px}
section{padding:96px 0}
.bg-white{background:#fff;border-block:1px solid var(--linie)}
.bg-blau{background:var(--blau);color:#fff}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--koralle);color:#fff;font:600 16px Montserrat,Arial,sans-serif;text-decoration:none;padding:16px 26px;border-radius:6px;border:0;cursor:pointer;transition:background .15s ease,transform .15s ease}
.btn:hover{background:var(--koralle-d);transform:translateY(-1px)}
.btn svg{width:18px;height:18px;flex:none}
.btn2{display:inline-flex;align-items:center;gap:10px;border:2px solid var(--blau);color:var(--blau);background:transparent;font:600 16px Montserrat,Arial,sans-serif;text-decoration:none;padding:14px 22px;border-radius:6px;cursor:pointer}
.btn2:hover{background:var(--eis)}
.btn2 svg{width:20px;height:20px}
.btn2.w{border-color:#fff;color:#fff}.btn2.w:hover{background:rgba(255,255,255,.12)}

/* Header */
header.site{position:sticky;top:0;z-index:40;background:rgba(250,248,245,.95);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--linie)}
header.site .wrap{height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}
header.site .brand img{height:60px;width:auto}
header.site nav{display:flex;gap:26px;align-items:center;font:500 15px Inter,Arial,sans-serif}
header.site nav a{text-decoration:none}
header.site nav a:hover{color:var(--blau)}
header.site nav .btn{padding:11px 18px;font-size:14px;white-space:nowrap}
header.site .back{font:600 14px Montserrat,Arial;text-decoration:none;color:var(--blau)}
@media(max-width:980px){header.site nav a:not(.btn){display:none}}
@media(max-width:480px){header.site .brand img{height:46px}header.site nav .btn{padding:9px 12px;font-size:13px}}

/* Hero */
.hero{padding:60px 0 0;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end}
.hero-copy{padding-bottom:84px}
.hero h1{margin:6px 0 22px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}
.hero .facts{display:flex;gap:10px 22px;flex-wrap:wrap;margin-top:22px;font-size:14px;color:var(--mute)}
.hero .facts span{display:inline-flex;gap:8px;align-items:center}
.hero .facts svg{width:16px;height:16px;flex:none}
.hero-photo{position:relative;align-self:end;justify-self:center;width:100%;max-width:440px}
.hero-photo::before{content:"";position:absolute;left:50%;bottom:36px;transform:translateX(-50%);width:92%;aspect-ratio:1;border-radius:50%;border:26px solid var(--grau);opacity:.35}
.hero-photo::after{content:"";position:absolute;left:4%;right:4%;bottom:0;height:52%;background:var(--blau);border-radius:18px 18px 0 0;z-index:0}
.hero-photo img{position:relative;z-index:1;width:100%;height:auto}
.hero .diag{position:absolute;height:4px;background:var(--hell);transform:rotate(-37deg);transform-origin:0 50%}

/* Kurz erklärt */
.tldr{background:#fff;border:1px solid var(--linie);border-left:5px solid var(--blau);border-radius:0 var(--radius) var(--radius) 0;padding:26px 30px;max-width:980px}
.tldr h2{font:600 13px Montserrat,Arial;letter-spacing:.12em;text-transform:uppercase;color:var(--blau)}
.tldr p{margin-top:10px;font-size:17.5px}

/* USP */
.usp{display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border:1px solid var(--linie);border-radius:var(--radius);margin-top:34px}
.usp>div{display:flex;gap:16px;padding:26px 24px;border-left:1px solid var(--linie)}
.usp>div:first-child{border-left:0}
.usp svg{flex:none;width:32px;height:32px;color:var(--blau)}
.usp b{display:block;font-family:Montserrat,Arial;margin-bottom:2px}
.usp span{font-size:15px;color:var(--mute)}

/* Karten / Themen */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:28px}
.card svg.ic{width:34px;height:34px;color:var(--blau)}
.card h3{margin:14px 0 8px}
.card p{font-size:15.5px;color:var(--mute)}
.num{font:800 44px/1 Montserrat,Arial;color:var(--blau)}
.eis{background:var(--eis);border-color:#D3E4F2}

/* Checkliste */
.checks{list-style:none;display:grid;gap:12px}
.checks li{display:grid;grid-template-columns:28px 1fr;gap:12px;align-items:start}
.checks i{width:24px;height:24px;border-radius:5px;background:var(--blau);display:flex;align-items:center;justify-content:center;margin-top:2px}
.checks i svg{width:15px;height:15px}
.checks.x i{background:transparent;border:2px solid var(--koralle)}

/* Vorsorgecheck */
.vc{background:#fff;border:1px solid var(--linie);border-radius:18px;padding:36px;box-shadow:0 20px 50px -30px rgba(43,46,51,.35)}
.vc-top{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-bottom:24px}
.vc-progress{flex:1;min-width:220px;height:10px;background:var(--eis);border-radius:9px;overflow:hidden}
.vc-progress i{display:block;height:100%;width:0;background:var(--blau);transition:width .25s ease}
.vc-topic{border-top:1px solid var(--linie);padding:22px 0}
.vc-topic h3{display:flex;gap:12px;align-items:center}
.vc-topic h3 svg{width:28px;height:28px;color:var(--blau)}
.vc-q{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;padding:12px 0;border-bottom:1px dashed var(--linie);font-size:15.5px}
.vc-q:last-child{border-bottom:0}
.vc-q fieldset{border:0;display:flex;gap:6px}
.vc-q legend{position:absolute;left:-9999px}
.vc-q label{position:relative}
.vc-q input{position:absolute;opacity:0;inset:0;cursor:pointer}
.vc-q label span{display:inline-block;min-width:64px;text-align:center;padding:8px 12px;border:1.5px solid var(--linie);border-radius:6px;font:600 13.5px Montserrat,Arial;color:var(--mute);background:#fff;transition:all .12s ease}
.vc-q input:focus-visible+span{outline:3px solid var(--hell);outline-offset:2px}
.vc-q input[value="2"]:checked+span{background:var(--blau);border-color:var(--blau);color:#fff}
.vc-q input[value="1"]:checked+span{background:var(--hell);border-color:var(--hell);color:#10324a}
.vc-q input[value="0"]:checked+span{background:var(--koralle);border-color:var(--koralle);color:#fff}
.vc-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-top:24px}
.vc-result{display:none;margin-top:30px;border-top:2px solid var(--blau);padding-top:26px}
.vc-result.show{display:block}
.vc-res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0 22px}
.vc-res{border-radius:12px;padding:16px 18px;border:1px solid var(--linie);background:var(--off)}
.vc-res b{display:block;font-family:Montserrat,Arial}
.vc-res .st{display:inline-block;margin-top:6px;font:600 12px Montserrat,Arial;letter-spacing:.06em;text-transform:uppercase;padding:4px 8px;border-radius:4px}
.st-ok{background:var(--blau);color:#fff}.st-mid{background:var(--hell);color:#10324a}.st-open{background:var(--koralle);color:#fff}
.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:13.5px;color:var(--mute)}
.legend span{display:inline-flex;gap:6px;align-items:center}
.legend i{width:12px;height:12px;border-radius:3px;display:inline-block}

/* Branchen */
.branche{display:flex;gap:16px;align-items:flex-start}
.branche svg{width:36px;height:36px;color:var(--blau);flex:none}

/* Für wen */
.who{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:start}
.notfor{background:var(--text);color:#D8DADD;border-radius:var(--radius);padding:28px}
.notfor h3{color:#fff;margin-bottom:14px;font-size:17px}

/* Ablauf & Angebotstreppe */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{border-top:3px solid var(--blau);padding-top:18px}
.step h3{margin:12px 0 6px}
.stairs{display:grid;grid-template-columns:repeat(6,1fr);gap:12px;align-items:end;margin-top:48px}
.stair{background:#fff;border:1px solid var(--linie);border-radius:12px;padding:16px;font-size:14px}
.stair .tag{display:inline-block;font:600 11px Montserrat,Arial;letter-spacing:.08em;text-transform:uppercase;color:var(--blau);background:var(--eis);padding:4px 8px;border-radius:4px}
.stair b{display:block;font-family:Montserrat,Arial;font-size:15px;line-height:1.25;margin:8px 0 6px}
.stair span{color:var(--mute)}
.stair.core{background:var(--blau);border-color:var(--blau);color:#fff}
.stair.core span{color:#DCEBF7}.stair.core .tag{background:#fff}

/* Über mich */
.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}
.about figure{border-radius:18px;overflow:hidden;background:#1d1d1f;aspect-ratio:4/5}
.about figure img{width:100%;height:100%;object-fit:cover}
.facts2{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:24px}
.facts2 div{display:flex;gap:10px;align-items:center;background:var(--off);border:1px solid var(--linie);border-radius:10px;padding:12px 14px;font-size:15px}
.facts2 svg{width:22px;height:22px;color:var(--blau);flex:none}
.partner{background:var(--eis);border-left:4px solid var(--blau);border-radius:0 12px 12px 0;padding:16px 20px;margin-top:22px;font-size:15.5px}

/* Termin */
.book{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.book .panel{background:#fff;color:var(--text);border-radius:16px;padding:30px}
.book .checks i{background:#fff}
.book .checks i svg path{stroke:var(--blau)}

/* FAQ */
.faq{max-width:860px}
.faq details{border-bottom:1px solid var(--linie);padding:20px 0}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font-size:18px;line-height:1.35}
.faq summary::after{content:"+";font:600 26px/1 Montserrat,Arial;color:var(--blau);flex:none;transition:transform .2s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin-top:10px;color:var(--mute);max-width:780px}

/* Footer */
footer.site{background:var(--text);color:#C9CCD1;padding:56px 0 34px;font-size:14.5px}
footer.site .top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:36px}
footer.site img{height:68px;width:auto}
footer.site b{color:#fff;font-family:Montserrat,Arial;display:block;margin-bottom:8px}
footer.site a{color:#fff;text-decoration:none}footer.site a:hover{color:var(--hell)}
footer.site .legal{border-top:1px solid #454950;margin-top:34px;padding-top:22px;font-size:12.5px;color:#A9ADB3;line-height:1.6}

/* Sticky CTA */
.stickybar{position:fixed;left:0;right:0;bottom:0;z-index:45;background:#fff;border-top:1px solid var(--linie);box-shadow:0 -12px 30px -18px rgba(43,46,51,.35);transform:translateY(110%);transition:transform .3s ease}
.stickybar.show{transform:none}
.stickybar .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.stickybar p{font:600 15px Montserrat,Arial}
.stickybar .btn{padding:11px 18px;font-size:14px}

/* Rechtstexte */
.doc-head{background:var(--blau);color:#fff;padding:54px 0 48px}
.doc-head h1{color:#fff;font-size:clamp(32px,4vw,46px)}
.doc-head p{color:#DCEBF7;margin-top:10px}
.doc{padding:50px 0 90px}
.doc .wrap{max-width:860px}
.doc h2{font-size:23px;margin:46px 0 14px;padding-top:10px;border-top:1px solid var(--linie)}
.doc h3{font-size:17.5px;margin:26px 0 10px;color:var(--blau)}
.doc p,.doc li{font-size:15.5px;color:#43474d;margin-bottom:12px}
.doc ul{padding-left:22px}
.doc a{color:var(--blau)}
.doc .addr{background:#fff;border:1px solid var(--linie);border-radius:12px;padding:20px 24px;margin-bottom:14px}
.doc .addr p{margin:0}
.doc .and-divider{display:flex;align-items:center;gap:14px;margin:6px 0 16px;color:var(--blau);font:700 15px Montserrat,Arial}
.doc .and-divider::before,.doc .and-divider::after{content:"";flex:1;height:1px;background:var(--linie)}
.doc .source-note{font-size:13px;color:var(--mute);margin-top:30px}

@media(max-width:980px){
  .hero .wrap,.about,.book,.who{grid-template-columns:1fr}
  .hero-copy{padding-bottom:20px}
  .hero-photo{max-width:340px}
  .grid3,.steps,.usp{grid-template-columns:1fr}
  .usp>div{border-left:0;border-top:1px solid var(--linie)}.usp>div:first-child{border-top:0}
  .grid4{grid-template-columns:1fr 1fr}
  .stairs{grid-template-columns:1fr 1fr}
  .vc{padding:22px}
  .vc-q{grid-template-columns:1fr}
  .vc-res-grid{grid-template-columns:1fr 1fr}
  footer.site .top{grid-template-columns:1fr}
  section{padding:72px 0}
  .stickybar p{display:none}
}
@media(max-width:560px){.grid4,.vc-res-grid,.facts2{grid-template-columns:1fr}.vc-q label span{min-width:0;padding:8px 10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{header.site,.stickybar,footer.site,.hero,.no-print{display:none!important}.vc{box-shadow:none;border:0}}
@media print{body.print-vc main>section:not(#vorsorgecheck){display:none!important}body.print-vc #vorsorgecheck{padding:0}}
.stair.core span.tag{background:#fff;color:var(--blau)}
.glossar dd{margin:0}.glossar .card p{font-size:15.5px}
/* Funnel: zwei Wege + Brevo-Formular */
.paths-h{font-size:19px;margin-top:26px}
.paths{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:14px}
.path{position:relative;background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:24px 22px 22px;display:flex;flex-direction:column;gap:10px}
.path-a{border:2px solid var(--blau);background:var(--eis)}
.path h4{font-size:18px;margin:0}
.path p{margin:0;font-size:15.5px;color:var(--mute);flex:1}
.path .btn,.path .btn2{align-self:flex-start;margin-top:4px}
.path-tag{display:inline-block;align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:99px;background:var(--blau);color:#fff}
.path-b .path-tag{background:var(--linie);color:var(--text)}
.partner-note{font-size:14px;color:var(--mute);margin-top:12px}
.lead-box{display:grid;grid-template-columns:1fr 1.05fr;gap:36px;align-items:start;margin-top:48px;background:var(--off);border:1px solid var(--linie);border-radius:var(--radius);padding:36px;scroll-margin-top:90px}
.lead-copy h3{font-size:26px;margin:8px 0 12px;line-height:1.25}
.lead-copy h3 em{font-style:normal;color:var(--blau)}
.lead-copy .checks{margin:18px 0}
.lead-small{font-size:13.5px;color:var(--mute);margin-top:10px}
.lead-form{background:#fff;border-radius:12px;border:1px solid var(--linie);padding:8px;min-width:0}
.lead-form iframe{display:block;width:100%;height:620px;border:0;border-radius:8px}
.lead-form .lead-small{padding:0 12px 6px}
@media(max-width:860px){.paths{grid-template-columns:1fr}.lead-box{grid-template-columns:1fr;padding:22px 16px;gap:18px}.lead-form iframe{height:720px}.lead-copy h3{font-size:22px}}