/* =====================================================================
   DESIGN-SYSTEM  ·  Winkelmann Finanzberatung
   Gemeinsames Stylesheet für ALLE Seiten (Startseite + Unterseiten).
   Farbe/Schrift/Abstand zentral ändern -> wirkt überall.
   ===================================================================== */
:root{
  --navy:#1B365D; --navy-deep:#001B41; --navy-900:#0E2240;
  --gold:#B29146; --gold-light:#E4C060; --gold-soft:#F3E9CE;
  --ink:#15233A; --muted:#5C6B82; --line:#E5E9F0;
  --bg:#FFFFFF; --bg-soft:#F7F9FC;
  --font-head:"Fraunces",Georgia,serif;
  --font-body:"Inter",system-ui,-apple-system,sans-serif;
  --radius:18px; --radius-sm:12px;
  --shadow:0 10px 40px rgba(27,54,93,.10);
  --shadow-lg:0 24px 70px rgba(27,54,93,.16);
  --maxw:1180px;
  --gold-grad:linear-gradient(120deg,var(--gold-light),var(--gold));
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}

/* ---------- Layout-Helfer ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.section--soft{background:var(--bg-soft)}
.section--navy{background:var(--navy-deep);color:#EAF0F8}
.eyebrow{font-family:var(--font-body);font-weight:600;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:inline-block}
.section h2{font-family:var(--font-head);font-weight:600;font-size:clamp(1.9rem,3.4vw,2.7rem);line-height:1.15;color:var(--navy);letter-spacing:-.01em}
.section--navy h2{color:#fff}
.lead{color:var(--muted);font-size:1.08rem;max-width:60ch;margin-top:16px}
.section--navy .lead{color:#B9C7DC}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.55em;font-weight:600;font-size:1rem;padding:15px 30px;border-radius:999px;cursor:pointer;border:0;transition:transform .15s,box-shadow .2s,background .2s}
.btn--gold{background:var(--gold-grad);color:var(--navy-900);box-shadow:0 8px 24px rgba(178,145,70,.35)}
.btn--gold:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(178,145,70,.45)}
.btn--ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn--ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn--light{background:#fff;color:var(--navy)}
.btn--light:hover{transform:translateY(-2px)}

/* ---------- Header / Nav ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:98px}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:1.15rem}
.brand img{height:80px;width:auto}
.brand small{display:block;font-family:var(--font-body);font-weight:500;font-size:.62rem;letter-spacing:.22em;color:var(--gold);text-transform:uppercase}
.nav-links{display:flex;gap:30px;align-items:center}
.nav-links a{font-weight:500;font-size:.95rem;color:var(--ink);transition:color .15s}
.nav-links a:hover{color:var(--gold)}
.nav-links a.active{color:var(--gold)}
.nav-cta{padding:11px 22px;font-size:.92rem}
.nav-login{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:.92rem;color:var(--navy);border:1.5px solid var(--line);padding:9px 16px;border-radius:999px;transition:border-color .15s,color .15s}
.nav-login:hover{border-color:var(--gold);color:var(--gold)}
.nav-login svg{width:16px;height:16px}
.burger{display:none;background:none;border:0;cursor:pointer;flex-direction:column;gap:5px}
.burger span{width:26px;height:2px;background:var(--navy);border-radius:2px}
.nav-toggle{display:none}
/* Aufklapp-Menüs (Für wen / Leistungen) */
.has-sub{position:relative}
.sub-trigger{cursor:pointer;display:inline-flex;align-items:center;gap:5px}
/* unsichtbare Brücke, damit das Menü beim Runterfahren offen bleibt */
.has-sub::after{content:"";position:absolute;top:100%;left:0;width:100%;height:16px;display:none}
.has-sub:hover::after{display:block}
.submenu{position:absolute;top:calc(100% + 12px);left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;min-width:240px;display:none;flex-direction:column;z-index:60}
.has-sub:hover .submenu,.has-sub:focus-within .submenu{display:flex}
.submenu a{padding:10px 14px;border-radius:8px;font-size:.93rem;white-space:nowrap;color:var(--ink)}
.submenu a:hover{background:var(--gold-soft);color:var(--navy)}

/* ---------- Hero (Startseite) ---------- */
.hero{position:relative;background:radial-gradient(1100px 600px at 80% -10%,rgba(178,145,70,.16),transparent 60%),linear-gradient(160deg,var(--navy-deep),var(--navy) 70%);color:#fff;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding:88px 0 96px}
.hero h1{font-family:var(--font-head);font-weight:600;font-size:clamp(2.3rem,4.6vw,3.55rem);line-height:1.08;letter-spacing:-.015em}
.hero h1 .accent{color:var(--gold-light)}
.hero p.sub{color:#C3D0E4;font-size:1.15rem;margin:22px 0 32px;max-width:52ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{display:flex;gap:10px;align-items:center;margin-top:30px;color:#A9BAD4;font-size:.9rem}
.stars{color:var(--gold-light);letter-spacing:2px}

/* Google-Bewertungs-Badge */
.g-rating{display:inline-flex;align-items:center;gap:13px;background:#fff;color:var(--navy);
  padding:10px 18px;border-radius:999px;border:1px solid var(--line);box-shadow:var(--shadow);
  transition:transform .15s ease,box-shadow .2s ease}
.g-rating:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.g-logo{flex:0 0 auto;display:grid;place-items:center}
.g-logo svg{width:22px;height:22px;display:block}
.g-meta{display:flex;align-items:center;gap:8px;line-height:1;white-space:nowrap}
.g-stars{color:#FBBC05;letter-spacing:1px;font-size:1.02rem}
.g-score{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:1.08rem}
.g-count{color:var(--muted);font-size:.92rem}
.hero .g-rating{margin-top:30px}
.hero-photo{position:relative}
.hero-photo .ring{position:relative;border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid rgba(255,255,255,.12)}
.hero-photo .ring img{width:100%;height:520px;object-fit:cover}
.hero-badge{position:absolute;left:-18px;bottom:28px;background:#fff;color:var(--navy);border-radius:16px;padding:16px 20px;box-shadow:var(--shadow-lg);display:flex;gap:12px;align-items:center}
.hero-badge b{font-family:var(--font-head);font-size:1.5rem;display:block;color:var(--gold)}
.hero-badge span{font-size:.82rem;color:var(--muted);line-height:1.3}

/* ---------- Page-Hero (Unterseiten, kompakter) ---------- */
.page-hero{background:radial-gradient(900px 500px at 85% -20%,rgba(178,145,70,.18),transparent 60%),linear-gradient(160deg,var(--navy-deep),var(--navy) 75%);color:#fff;padding:72px 0 80px}
.page-hero .eyebrow{color:var(--gold-light)}
.page-hero h1{font-family:var(--font-head);font-weight:600;font-size:clamp(2.1rem,4vw,3rem);line-height:1.1;letter-spacing:-.015em;max-width:18ch}
.page-hero p{color:#C3D0E4;font-size:1.12rem;margin-top:20px;max-width:60ch}
.page-hero .hero-cta{margin-top:30px}
.crumbs{font-size:.85rem;color:#9FB1CC;margin-bottom:18px}
.crumbs a:hover{color:var(--gold-light)}

/* ---------- Stats ---------- */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center}
.stat b{font-family:var(--font-head);font-weight:700;font-size:clamp(2rem,4vw,2.8rem);color:var(--gold);display:block}
.stat span{color:var(--muted);font-weight:500}

/* ---------- Karten-Grid ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card-img{height:190px;overflow:hidden;background:var(--gold-soft)}
.card-img img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.card:hover .card-img img{transform:scale(1.06)}
.card-body{padding:26px 26px 28px;display:flex;flex-direction:column;flex:1}
.card-body h3{font-family:var(--font-head);font-weight:600;font-size:1.3rem;color:var(--navy);margin-bottom:10px}
.card-body p{color:var(--muted);font-size:.97rem;flex:1}
.card-link{margin-top:18px;font-weight:600;color:var(--gold);display:inline-flex;align-items:center;gap:6px}
.card-link::after{content:"→";transition:transform .2s}
.card:hover .card-link::after{transform:translateX(4px)}

/* ---------- Leistungen (Icon-Kacheln) ---------- */
.grid-services{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.service{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:28px 26px;display:flex;gap:18px;align-items:flex-start;transition:.2s}
.service:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-3px)}
.service .ic{flex:0 0 52px;height:52px;border-radius:14px;display:grid;place-items:center;background:var(--gold-soft);color:var(--navy)}
.service .ic svg{width:26px;height:26px}
.service h3{font-family:var(--font-head);font-weight:600;font-size:1.12rem;color:var(--navy);margin-bottom:4px}
.service p{color:var(--muted);font-size:.92rem}

/* ---------- Split (Text + Bild / zweispaltig) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.flip .split-media{order:2}
.split-media{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.split-media img{width:100%;height:460px;object-fit:cover}
.split h2{margin-bottom:8px}

/* ---------- Über mich (Startseite) ---------- */
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.about-photo{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);position:relative}
.about-photo img{width:100%;height:540px;object-fit:cover}
.about ul.checks{margin-top:24px}

/* ---------- Prose / Fließtext (z. B. Rechtstexte) ---------- */
.prose{max-width:820px}
.prose h2{font-size:1.5rem;margin:36px 0 12px}
.prose h3{font-family:var(--font-head);color:var(--navy);font-size:1.18rem;margin:26px 0 8px}
.prose p{color:var(--ink);margin-bottom:14px}
.prose a{color:var(--gold);font-weight:600}
.prose ul{margin:0 0 16px 22px;color:var(--ink)}
.prose li{margin-bottom:6px}

/* ---------- Bullet-Liste mit Haken ---------- */
.checks{list-style:none;display:grid;gap:14px}
.checks li{display:flex;gap:12px;align-items:flex-start;color:var(--ink)}
.checks li::before{content:"✓";color:var(--navy);background:var(--gold-light);width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:.85rem;font-weight:700;flex:0 0 24px;margin-top:2px}

/* ---------- Feature-Liste (Aufzählung in Karten) ---------- */
.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.feature{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:26px}
.feature h3{font-family:var(--font-head);color:var(--navy);font-size:1.15rem;margin-bottom:8px}
.feature p{color:var(--muted);font-size:.95rem}

/* ---------- Team ---------- */
.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:30px}
.team-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.team-card .photo{aspect-ratio:1/1;background:var(--gold-soft);overflow:hidden}
.team-card .photo img{width:100%;height:100%;object-fit:cover;object-position:center}
.team-card .body{padding:26px 28px 30px}
.team-card h3{font-family:var(--font-head);color:var(--navy);font-size:1.35rem;margin-bottom:2px}
.team-card .role{color:var(--gold);font-weight:600;font-size:.95rem;margin-bottom:16px}
.team-card ul{list-style:none;display:grid;gap:10px}
.team-card li{display:flex;gap:10px;color:var(--ink);font-size:.95rem;line-height:1.45}
.team-card li::before{content:"";flex:0 0 7px;height:7px;border-radius:50%;background:var(--gold-light);margin-top:8px}
@media(max-width:900px){.team-grid{grid-template-columns:1fr}}

/* ---------- Testimonials ---------- */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.quote{background:#fff;border-radius:var(--radius);padding:34px;border:1px solid var(--line);position:relative}
.quote .stars{font-size:1rem;margin-bottom:12px;display:block}
.quote p{font-size:1.05rem;color:var(--ink);font-style:italic}
.quote .who{display:flex;align-items:center;gap:14px;margin-top:22px}
.quote .who img{width:50px;height:50px;border-radius:50%;object-fit:cover;background:var(--gold-soft)}
.quote .who b{display:block;color:var(--navy);font-family:var(--font-head)}
.quote .who span{color:var(--muted);font-size:.88rem}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:14px;padding:6px 24px;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:transparent}
.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:600;color:var(--navy);font-size:1.08rem;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:1.5rem;font-weight:400;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);padding:0 0 20px}

/* ---------- CTA-Band ---------- */
.cta-band{background:var(--gold-grad);border-radius:28px;padding:60px;text-align:center;color:var(--navy-900)}
.cta-band h2{color:var(--navy-900)!important;font-family:var(--font-head);font-size:clamp(1.8rem,3.4vw,2.5rem)}
.cta-band p{max-width:54ch;margin:14px auto 28px;color:#3a3115;font-weight:500}

/* ---------- Kontakt ---------- */
.contact{display:grid;grid-template-columns:1fr 1fr;gap:50px}
.contact-info p{margin:10px 0;color:#C3D0E4}
.contact-info a{color:#fff;font-weight:600}
.contact-list{display:grid;gap:18px;margin-top:26px}
.contact-list .row{display:flex;gap:14px;align-items:center}
.contact-list .ic{width:46px;height:46px;border-radius:12px;background:rgba(255,255,255,.08);display:grid;place-items:center;color:var(--gold-light)}
.form{background:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-lg)}
.form label{display:block;font-weight:600;color:var(--navy);font-size:.9rem;margin:14px 0 6px}
.form input,.form textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-family:inherit;font-size:1rem;color:var(--ink)}
.form input:focus,.form textarea:focus{outline:none;border-color:var(--gold)}
.form .check{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:.85rem;color:var(--muted)}
.form button{width:100%;justify-content:center;margin-top:20px}
/* Öffnungszeiten */
.hours{margin-top:28px}
.hours-title{color:#fff;font-family:var(--font-head);font-size:1.08rem;margin-bottom:10px;display:flex;align-items:center;gap:9px}
.hours-title svg{color:var(--gold-light)}
.hours-row{display:flex;justify-content:space-between;max-width:330px;padding:8px 0;border-top:1px solid rgba(255,255,255,.12);color:#C3D0E4;font-size:.95rem}
.hours-row b{color:#fff;font-weight:600}
.hours-note{color:#9FB1CC;font-size:.84rem;margin-top:12px;max-width:340px}

/* ---------- Rechner / Checkliste ---------- */
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.calc-field{margin-bottom:18px}
.calc-field label{display:block;font-weight:600;color:var(--navy);font-size:.9rem;margin-bottom:6px}
.calc-field input,.calc-field select{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-family:inherit;font-size:1rem;color:var(--ink)}
.calc-field input:focus,.calc-field select:focus{outline:none;border-color:var(--gold)}
.calc-result{background:linear-gradient(160deg,var(--navy-deep),var(--navy));color:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-lg);position:sticky;top:118px}
.calc-result .lbl{font-size:.85rem;letter-spacing:.05em;text-transform:uppercase;color:var(--gold-light)}
.calc-result .big{font-family:var(--font-head);font-weight:700;font-size:2.8rem;color:#fff;line-height:1;margin:6px 0 18px}
.calc-result .row{display:flex;justify-content:space-between;padding:11px 0;border-top:1px solid rgba(255,255,255,.12);font-size:.95rem;color:#C3D0E4}
.calc-result .row b{color:#fff;font-weight:600}
.calc-note{font-size:.8rem;color:#9FB1CC;margin-top:18px;line-height:1.5}
/* Checkliste */
.checklist{max-width:780px;margin:0 auto}
.checklist .grp{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:8px 24px 16px;margin-bottom:18px}
.checklist .grp h3{font-family:var(--font-head);color:var(--navy);font-size:1.2rem;margin:16px 0 6px}
.checklist label{display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-top:1px solid var(--line);cursor:pointer;color:var(--ink)}
.checklist .grp h3+label{border-top:0}
.checklist input[type=checkbox]{width:20px;height:20px;margin-top:2px;accent-color:var(--gold);flex:0 0 auto;cursor:pointer}
.checklist label.done span{text-decoration:line-through;color:var(--muted)}
.progress-bar{height:12px;background:var(--line);border-radius:999px;overflow:hidden;margin:14px 0 6px}
.progress-bar i{display:block;height:100%;width:0;background:var(--gold-grad);transition:width .3s}

/* ---------- Warum-Wir (USP-Block) ---------- */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.why{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:26px 22px;transition:.2s}
.why:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-3px)}
.why .ic{width:48px;height:48px;border-radius:13px;background:var(--gold-soft);color:var(--navy);display:grid;place-items:center;margin-bottom:14px}
.why .ic svg{width:24px;height:24px}
.why h3{font-family:var(--font-head);color:var(--navy);font-size:1.1rem;margin-bottom:6px}
.why p{color:var(--muted);font-size:.92rem;line-height:1.5}
@media(max-width:900px){.why-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.why-grid{grid-template-columns:1fr}}

/* ---------- WhatsApp-Button (schwebend) ---------- */
.wa-float{position:fixed;right:20px;bottom:20px;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.28);z-index:200;transition:transform .15s}
.wa-float:hover{transform:scale(1.07)}
.wa-float svg{width:30px;height:30px;fill:#fff}
@media(max-width:560px){.wa-float{right:16px;bottom:16px;width:52px;height:52px}}

/* ---------- Footer ---------- */
.footer{background:var(--navy-900);color:#9FB1CC;padding:60px 0 30px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
.footer h4{color:#fff;font-family:var(--font-head);margin-bottom:16px;font-size:1.05rem}
.footer a{display:block;padding:5px 0;color:#9FB1CC;font-size:.94rem}
.footer a:hover{color:var(--gold-light)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.85rem;color:#73859f}
.socials{display:flex;gap:12px}
.socials a{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.07);display:grid;place-items:center;color:#fff}
.socials a:hover{background:var(--gold);color:var(--navy-900)}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .hero-grid,.about,.contact,.split{grid-template-columns:1fr}
  .split.flip .split-media{order:0}
  .hero-photo{order:-1}
  .hero-photo .ring img{height:380px}
  .grid-3,.grid-services,.grid-2,.feature-grid{grid-template-columns:1fr}
  .split-media img{height:320px}
  .footer-grid{grid-template-columns:1fr}
  .nav-links{display:none}
  .burger{display:flex}
  .section{padding:68px 0}
  .cta-band{padding:40px 24px}

  /* Mobiles Menü (per Burger ein-/ausklappbar) */
  .nav{position:relative;flex-wrap:wrap}
  .brand img{height:52px}
  .nav-links{position:absolute;top:98px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:var(--shadow)}
  .nav-toggle:checked ~ .nav-links{display:flex}
  .nav-links > a,.sub-trigger{padding:13px 24px;width:100%}
  .has-sub{width:100%}
  .submenu{position:static;display:flex;box-shadow:none;border:0;border-radius:0;padding:0;min-width:0;background:var(--bg-soft)}
  .submenu a{padding:11px 40px}
  .nav-cta{margin:10px 24px;width:max-content}
}