/* Swiss Three Asset Management – Design-System
   Leitmotiv: das runde Betonfenster / die Oberlichter des Gebäudes in Horgen.
   Kreis = Bildausschnitt, Schaltfläche, Schrittzähler und Marke. Der Rest bleibt ruhig. */

@font-face{font-family:"Crimson Pro";font-weight:400;font-style:normal;font-display:swap;src:url("../fonts/crimson-pro-400.woff") format("woff")}
@font-face{font-family:"Crimson Pro";font-weight:400;font-style:italic;font-display:swap;src:url("../fonts/crimson-pro-400-italic.woff") format("woff")}
@font-face{font-family:"Crimson Pro";font-weight:700;font-style:normal;font-display:swap;src:url("../fonts/crimson-pro-700.woff") format("woff")}
@font-face{font-family:"Instrument Sans";font-weight:400;font-style:normal;font-display:swap;src:url("../fonts/instrument-sans-400.woff") format("woff")}
@font-face{font-family:"Instrument Sans";font-weight:700;font-style:normal;font-display:swap;src:url("../fonts/instrument-sans-700.woff") format("woff")}

:root{
  --ink:#10283D;          /* Seetiefe – Text, dunkle Flächen */
  --ink-soft:#42576A;     /* Fliesstext sekundär (Kontrast auf Weiss 7.6:1) */
  --lake:#1F5F8B;         /* Zürichsee – Links, Akzent (6.6:1 auf Weiss) */
  --lake-dark:#174A6C;
  --mist:#D5E1E8;         /* Dunst über dem See */
  --mist-deep:#96B6CA;
  --concrete:#ECEAE6;     /* Sichtbeton */
  --concrete-deep:#DDDAD4;
  --paper:#FFFFFF;
  --line:rgba(16,40,61,.18);
  --line-light:rgba(255,255,255,.28);
  --serif:"Crimson Pro","Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:"Instrument Sans",system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --wrap:1180px;
  --gutter:clamp(20px,5vw,56px);
  --section:clamp(60px,8.5vw,116px);
  --radius-img:4px;
  --radius-btn:999px;
  --accent:var(--lake);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.68 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--lake);text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{color:var(--lake-dark);text-decoration-thickness:2px}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.1em;padding-left:1.2em}
strong{font-weight:700}
small,.small{font-size:.875rem}
hr{border:0;border-top:1px solid var(--line);margin:2em 0}
:focus-visible{outline:3px solid var(--lake);outline-offset:3px;border-radius:2px}
.bg-ink :focus-visible,.site-footer :focus-visible{outline-color:#fff}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:12px;top:-60px;background:var(--ink);color:#fff;padding:.7em 1.1em;z-index:100;border-radius:0 0 6px 6px}
.skip:focus{top:0}

/* Typografie ------------------------------------------------------------ */
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;color:inherit;margin:0 0 .5em;hyphens:auto;overflow-wrap:break-word}
h1{font-size:clamp(2.45rem,5.1vw,4.3rem);line-height:1.03;letter-spacing:-.012em}
h2{font-size:clamp(1.95rem,2.9vw,2.7rem);line-height:1.1;letter-spacing:-.008em}
h3{font-size:clamp(1.4rem,2vw,1.75rem);line-height:1.2;font-weight:700}
h4{font-family:var(--sans);font-size:1rem;font-weight:700;line-height:1.35;margin-bottom:.35em}
.lead{font-size:clamp(1.12rem,1.5vw,1.3rem);line-height:1.6;color:var(--ink-soft);max-width:60ch}
.bg-ink .lead,.bg-ink p,.bg-ink li{color:rgba(255,255,255,.88)}
.measure{max-width:64ch}
.num{font-variant-numeric:lining-nums tabular-nums}

/* Layout ---------------------------------------------------------------- */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.section{padding:var(--section) 0}
.section-tight{padding:calc(var(--section)*.6) 0}
.bg-concrete{background-color:var(--concrete)}
.bg-ink{background:var(--ink);color:#fff}
.bg-ink a{color:#fff}
.bg-ink a:hover{color:var(--mist)}
.split{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(28px,5vw,80px);align-items:start}
.split-even{grid-template-columns:repeat(2,minmax(0,1fr))}
.split-media{grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:center}
.stack>*+*{margin-top:1.1em}
@media (max-width:900px){.split,.split-even,.split-media{grid-template-columns:minmax(0,1fr)}}

/* Sichtbeton-Textur (sehr dezent, nur CSS) */
.texture{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='220' height='220'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='.8' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 .06  0 0 0 0 .16  0 0 0 0 .24  0 0 0 .07 0'/></filter><rect width='100%' height='100%' filter='url(%23n)'/></svg>")}

/* Kopfzeile ------------------------------------------------------------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand:hover{color:var(--ink)}
.brand-mark{width:42px;height:42px;flex:none}
.brand-name{font-family:var(--serif);font-size:1.55rem;line-height:1;letter-spacing:-.005em;display:flex;flex-direction:column;gap:3px}
.brand-name span{font-family:var(--sans);font-size:.78rem;letter-spacing:.01em;color:var(--ink-soft)}
#site-nav{display:flex;align-items:center;gap:clamp(14px,2vw,30px)}
#site-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:clamp(14px,1.8vw,28px)}
#site-nav li a{display:block;padding:.4em 0;color:var(--ink);text-decoration:none;font-size:.98rem;border-bottom:2px solid transparent}
#site-nav li a:hover{border-bottom-color:var(--mist-deep)}
#site-nav li a[aria-current="page"]{border-bottom-color:var(--lake)}
.lang{display:flex;gap:2px;font-size:.88rem}
.lang a{padding:.35em .6em;border-radius:999px;text-decoration:none;color:var(--ink-soft)}
.lang a[aria-current="true"]{background:var(--mist);color:var(--ink);font-weight:700}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:999px;padding:.55em 1.1em;font:inherit;font-size:.95rem;color:var(--ink);cursor:pointer}
@media (max-width:1060px){
  .nav-toggle{display:inline-flex}
  #site-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:18px var(--gutter) 26px;flex-direction:column;align-items:flex-start;gap:18px;display:none}
  #site-nav[data-open="true"]{display:flex}
  #site-nav ul{flex-direction:column;gap:2px;width:100%}
  #site-nav li a{padding:.6em 0;font-size:1.1rem}
}

/* Schaltflächen --------------------------------------------------------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.9em 1.55em;border-radius:var(--radius-btn);font:700 .98rem/1.2 var(--sans);text-decoration:none;border:2px solid var(--ink);color:var(--ink);background:transparent;cursor:pointer;transition:background-color .18s,color .18s,border-color .18s}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--lake);border-color:var(--lake);color:#fff}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-sm{padding:.6em 1.15em;font-size:.92rem}
.bg-ink .btn{border-color:#fff;color:#fff}
.bg-ink .btn-primary{background:#fff;color:var(--ink)}
.bg-ink .btn-primary:hover{background:var(--mist);border-color:var(--mist);color:var(--ink)}
.bg-ink .btn-ghost:hover{background:#fff;color:var(--ink)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:1.6em}

/* Startseite: Hero ------------------------------------------------------ */
.hero{padding:clamp(40px,6vw,84px) 0 clamp(56px,7vw,100px);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:clamp(28px,5vw,76px);align-items:center}
.hero h1{max-width:none;font-size:clamp(2.3rem,4.3vw,3.55rem)}
@media (min-width:700px){.hero h1,.page-head h1{hyphens:manual}}
.hero .lead{margin-top:.2em}
.hero-media{position:relative;width:100%;max-width:460px;justify-self:end;margin:0}
.hero-photo{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 30%;border-radius:var(--radius-img)}
@media (max-width:900px){
  .hero-grid{grid-template-columns:minmax(0,1fr)}
  .hero-media{justify-self:start;max-width:520px;margin-top:8px}
  .hero h1{max-width:none}
}
.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin:2.2em 0 0;border-top:1px solid var(--line)}
.facts>div{padding:1em 1em 0 0}
.facts>div+div{padding-left:1em;border-left:1px solid var(--line)}
.facts dt{font-size:.88rem;color:var(--ink-soft);margin-bottom:.15em}
.facts dd{margin:0;font-family:var(--serif);font-size:clamp(1.3rem,2vw,1.65rem);line-height:1.15}
@media (max-width:620px){.facts{grid-template-columns:minmax(0,1fr)}.facts>div,.facts>div+div{padding:.9em 0;border-left:0;border-bottom:1px solid var(--line)}}
.fineprint{font-size:.84rem;line-height:1.55;color:var(--ink-soft);max-width:78ch;margin-top:1.1em}
.bg-ink .fineprint{color:rgba(255,255,255,.72)}

/* Seitenkopf (Unterseiten) ---------------------------------------------- */
.page-head{padding:clamp(28px,4.2vw,60px) 0 clamp(24px,3.4vw,44px)}
.page-head h1{max-width:18ch}
.banner{margin-top:clamp(28px,4vw,52px)}
.banner img{width:100%;aspect-ratio:21/8;object-fit:cover;border-radius:3px}
@media (max-width:700px){.banner img{aspect-ratio:4/3}}
.crumbs{font-size:.88rem;color:var(--ink-soft);margin-bottom:1em}
.crumbs a{color:var(--ink-soft)}
.crumbs span[aria-hidden]{margin:0 .4em}

/* Inhaltsblöcke --------------------------------------------------------- */
.promise{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line)}
.promise>div{padding:1.5em 1.6em 1.6em 0;border-bottom:1px solid var(--line)}
.promise>div:nth-child(even){padding-left:1.6em;padding-right:0;border-left:1px solid var(--line)}
.promise h3{font-size:1.45rem;margin-bottom:.3em}
.promise p{margin:0;color:var(--ink-soft)}
@media (max-width:700px){.promise{grid-template-columns:minmax(0,1fr)}.promise>div,.promise>div:nth-child(even){padding:1.3em 0;border-left:0}}

.cols-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border-top:1px solid var(--line-light);margin-top:clamp(28px,4vw,52px)}
.cols-3>div{padding:1.6em 1.6em 0 0}
.cols-3>div+div{padding-left:1.6em;border-left:1px solid var(--line-light)}
.cols-3 h3{font-size:1.5rem}
.cols-3 ul{padding-left:1.1em;margin:0}
.cols-3 li{margin-bottom:.35em}
@media (max-width:820px){.cols-3{grid-template-columns:minmax(0,1fr)}.cols-3>div,.cols-3>div+div{padding:1.4em 0;border-left:0;border-bottom:1px solid var(--line-light)}}
.cols-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(18px,3vw,40px);margin-top:clamp(24px,3vw,40px)}
.cols-4 h3{font-size:1.3rem;margin-bottom:.3em;border-top:2px solid var(--ink);padding-top:.6em}
.cols-4 p{color:var(--ink-soft);margin:0}
@media (max-width:900px){.cols-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.cols-4{grid-template-columns:minmax(0,1fr)}}

.circle-photo{border-radius:50%;aspect-ratio:1;object-fit:cover;width:100%;max-width:420px}
.photo{border-radius:3px;width:100%;object-fit:cover}
.photo-portrait{aspect-ratio:3/4}
.figure{margin:0}
.figure figcaption{font-size:.85rem;color:var(--ink-soft);margin-top:.6em}

.defs{margin:0;border-top:1px solid var(--line)}
.defs>div{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.6fr);gap:20px;padding:1em 0;border-bottom:1px solid var(--line)}
.defs dt{font-weight:700}
.defs dd{margin:0;color:var(--ink-soft)}
@media (max-width:620px){.defs>div{grid-template-columns:minmax(0,1fr);gap:4px}}
.ticks{list-style:none;padding:0;margin:0 0 1.2em}
.ticks li{position:relative;padding:.55em 0 .55em 1.9em;border-bottom:1px solid var(--line)}
.ticks li::before{content:"";position:absolute;left:2px;top:1.05em;width:.8em;height:.8em;border:2px solid var(--lake);border-radius:50%}

/* Zielrenditen-Diagramm ------------------------------------------------- */
.range{margin:1.6em 0 .4em;--lo:6;--hi:12}
.range-title{font-family:var(--sans);font-weight:700;font-size:1rem;margin:0 0 1em}
.range-row{display:grid;grid-template-columns:8.2rem minmax(0,1fr);align-items:center;gap:14px;padding:.55em 0}
.range-name{font-weight:700;font-size:.98rem}
.range-track{position:relative;height:38px;background:
  linear-gradient(to right,var(--line) 1px,transparent 1px) 0 0/calc(100%/6) 100% repeat-x;border-right:1px solid var(--line)}
.range-bar{position:absolute;top:4px;bottom:4px;border-radius:999px;display:flex;align-items:center;justify-content:center;font-size:.9rem;font-weight:700;white-space:nowrap;left:calc((var(--a) - var(--lo)) / (var(--hi) - var(--lo)) * 100%);width:calc((var(--b) - var(--a)) / (var(--hi) - var(--lo)) * 100%)}
.range-bar.c1{background:var(--mist);color:var(--ink)}
.range-bar.c2{background:var(--lake);color:#fff}
.range-bar.c3{background:var(--ink);color:#fff}
.range-axis{display:grid;grid-template-columns:8.2rem minmax(0,1fr);gap:14px;font-size:.8rem;color:var(--ink-soft)}
.range-axis div{display:flex;justify-content:space-between}
@media (max-width:520px){.range-row,.range-axis{grid-template-columns:5.6rem minmax(0,1fr);gap:8px}.range-bar{font-size:.78rem}}

/* Venn-Diagramm --------------------------------------------------------- */
.venn{width:100%;max-width:440px;height:auto}
.venn .c-a{fill:var(--ink);fill-opacity:.9}
.venn .c-b{fill:var(--lake);fill-opacity:.85}
.venn .c-c{fill:var(--mist-deep);fill-opacity:.9}
.venn .blend{mix-blend-mode:multiply}
.venn text{font-family:var(--sans);font-weight:700;font-size:15px;fill:#fff;text-anchor:middle}
.venn text.dark{fill:var(--ink)}
.venn text.sub{font-weight:400;font-size:12.5px}

/* Ablauf (echte Reihenfolge -> nummeriert) ------------------------------ */
.steps{list-style:none;counter-reset:s;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 1.5em 4rem;min-height:3rem}
.steps li::before{content:counter(s);position:absolute;left:0;top:-.1em;width:2.7rem;height:2.7rem;border-radius:50%;border:1.5px solid var(--lake);display:grid;place-items:center;font:400 1.25rem/1 var(--serif);color:var(--lake);background:var(--paper)}
.steps li::after{content:"";position:absolute;left:1.35rem;top:2.7rem;bottom:.2em;width:1px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps strong{display:block;font-family:var(--serif);font-size:1.3rem;font-weight:700;line-height:1.2;margin-bottom:.15em}
.bg-concrete .steps li::before{background:var(--concrete)}

/* FAQ ------------------------------------------------------------------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:1.05em 3rem 1.05em 0;position:relative;font-family:var(--serif);font-size:clamp(1.2rem,1.7vw,1.45rem);line-height:1.25}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:.3rem;top:50%;width:.7rem;height:.7rem;border-right:2px solid var(--lake);border-bottom:2px solid var(--lake);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq .answer{padding:0 3rem 1.3em 0;color:var(--ink-soft);max-width:68ch}
.faq-group{margin-top:clamp(36px,5vw,64px)}
.faq-group:first-of-type{margin-top:0}

/* Wissen ---------------------------------------------------------------- */
.article{padding:var(--section) 0;border-top:1px solid var(--line)}
.article:first-of-type{border-top:0;padding-top:calc(var(--section)*.4)}
.article h2{max-width:20ch}
.article h3{font-family:var(--sans);font-size:1.1rem;margin:1.6em 0 .4em}
.prose{max-width:66ch}
.prose p,.prose li{color:var(--ink)}
.link-list{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}
.link-list li{border-bottom:1px solid var(--line)}
.link-list a{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:20px;padding:1.2em 0;text-decoration:none;color:var(--ink);align-items:center}
.link-list a:hover{color:var(--lake)}
.link-list strong{font-family:var(--serif);font-size:1.45rem;font-weight:400;display:block;line-height:1.2}
.link-list span.d{color:var(--ink-soft);font-size:.98rem}
.link-list .go{font-size:1.4rem;transition:transform .2s}
.link-list a:hover .go{transform:translateX(4px)}
@media (prefers-reduced-motion:reduce){.link-list .go{transition:none}}

/* Kontakt / Formular ---------------------------------------------------- */
.contact-list{list-style:none;padding:0;margin:0 0 1.4em}
.contact-list li{padding:.8em 0;border-bottom:1px solid var(--line)}
.contact-list b{display:block;font-size:.88rem;color:var(--ink-soft);font-weight:400}
.contact-list a{font-size:1.15rem}
form.contact{display:grid;gap:1.15em}
form.contact label{display:block;font-weight:700;font-size:.95rem;margin-bottom:.3em}
form.contact input[type=text],form.contact input[type=email],form.contact input[type=tel],form.contact select,form.contact textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid var(--ink-soft);border-radius:3px;padding:.75em .9em}
form.contact textarea{min-height:9em;resize:vertical}
form.contact input:focus,form.contact select:focus,form.contact textarea:focus{outline:3px solid var(--lake);outline-offset:1px;border-color:var(--lake)}
.check,form.contact label.check{display:flex;font-weight:400;margin:0;gap:.7em;align-items:flex-start;font-size:.92rem}
.check input{margin-top:.35em;width:1.1rem;height:1.1rem;flex:none;accent-color:var(--lake)}
.form-note{font-size:.88rem;color:var(--ink-soft)}
.row-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.15em}
@media (max-width:620px){.row-2{grid-template-columns:minmax(0,1fr)}}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}

/* Rechtstexte ----------------------------------------------------------- */
.legal h2{font-size:1.7rem;margin-top:1.7em}
.legal h2:first-child{margin-top:0}
.legal{max-width:72ch}
mark.todo{background:#FFE58A;color:#3b2f00;padding:.05em .35em;border-radius:3px}

/* Fusszeile ------------------------------------------------------------- */
.site-footer{background:var(--ink);color:rgba(255,255,255,.88);padding:clamp(44px,6vw,76px) 0 28px;font-size:.96rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--mist)}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(2,minmax(0,1fr));gap:clamp(24px,4vw,64px)}
@media (max-width:820px){.foot-grid{grid-template-columns:minmax(0,1fr)}}
.site-footer h2{font-family:var(--sans);font-size:.95rem;font-weight:700;margin:0 0 .8em;color:#fff}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.45em}
.foot-brand{font-family:var(--serif);font-size:1.7rem;color:#fff;line-height:1.1;margin-bottom:.5em}
.foot-legal{margin-top:clamp(28px,4vw,48px);padding-top:1.4em;border-top:1px solid var(--line-light);font-size:.84rem;line-height:1.6;color:rgba(255,255,255,.72)}
.foot-legal p{max-width:100ch}
address{font-style:normal}

/* Sonstiges ------------------------------------------------------------- */
.cta-band h2{max-width:20ch}
.notfound{min-height:60vh;display:grid;align-content:center}
@media print{
  .site-header,.site-footer,.btn-row,.nav-toggle,.skip{display:none!important}
  body{font-size:11pt;color:#000}
  a{color:#000;text-decoration:none}
  .section{padding:18pt 0}
}


/* Überarbeitung: Icons, Kennzahlen, Bildband, Chips, Grundsätze ------------------- */
.sec-head{max-width:46rem}
.sec-head h2{margin-bottom:.35em}
.icon-circle{width:64px;height:64px;flex:none;border:1.5px solid var(--lake);border-radius:50%;display:grid;place-items:center;color:var(--lake);background:#fff}
.icon-circle svg{width:28px;height:28px}
.bg-concrete .icon-circle{background:var(--paper)}

.promise-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(22px,3vw,44px);margin-top:clamp(30px,4vw,52px)}
.pitem h3{font-size:1.4rem;margin:1em 0 .35em}
.pitem p{margin:0;color:var(--ink-soft)}
@media (max-width:980px){.promise-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.promise-grid{grid-template-columns:minmax(0,1fr)}.pitem{display:grid;grid-template-columns:64px minmax(0,1fr);column-gap:18px}.pitem .icon-circle{grid-row:1 / span 2}.pitem h3{margin:.1em 0 .25em}}

.figures{list-style:none;margin:clamp(28px,4vw,52px) 0 0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(18px,3vw,44px)}
.figures li{display:flex;flex-direction:column;align-items:center;text-align:center;gap:1.1em}
.fig-circle{width:min(100%,200px);aspect-ratio:1;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.1em;border:1.5px solid var(--ink)}
.f1 .fig-circle{background:var(--ink);color:#fff;border-color:var(--ink)}
.f2 .fig-circle{background:var(--lake);color:#fff;border-color:var(--lake)}
.f3 .fig-circle{background:var(--mist);color:var(--ink);border-color:var(--mist)}
.f4 .fig-circle{background:transparent;color:var(--ink)}
.fig-num{font-family:var(--serif);font-size:clamp(1.9rem,3.2vw,2.6rem);line-height:1;font-variant-numeric:lining-nums;letter-spacing:-.01em}
.fig-unit{font-size:.88rem;line-height:1.25;max-width:11ch}
.fig-label{font-weight:700;font-size:1rem;max-width:18ch;line-height:1.35}
@media (max-width:760px){.figures{grid-template-columns:repeat(2,minmax(0,1fr))}.fig-circle{width:min(100%,170px)}}

.band{position:relative;background:var(--ink);color:#fff;overflow:hidden}
.band img{width:100%;height:clamp(340px,40vw,540px);object-fit:cover;object-position:58% 40%}
.band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(16,40,61,.94) 0%,rgba(16,40,61,.74) 34%,rgba(16,40,61,.12) 66%,rgba(16,40,61,0) 100%)}
.band-text{position:absolute;inset:0;z-index:1;display:flex;align-items:center}
.band-text .wrap{width:100%}
.band-copy{width:min(100%,27rem)}
.band.is-right .band-copy{margin-left:auto}
.band.is-right::after{background:linear-gradient(270deg,rgba(16,40,61,.94) 0%,rgba(16,40,61,.74) 34%,rgba(16,40,61,.12) 66%,rgba(16,40,61,0) 100%)}
.band.is-right img{object-position:30% 40%}
.band h2{color:#fff;max-width:13ch;font-size:clamp(2.2rem,4.6vw,3.9rem);line-height:1.02;margin-bottom:.4em}
.band p{color:rgba(255,255,255,.9);max-width:34ch;font-size:clamp(1.02rem,1.4vw,1.2rem);margin:0}
@media (max-width:700px){
  .band img{height:480px;object-position:36% 20%}
  .band.is-right img{object-position:36% 20%}
  .band::after,.band.is-right::after{background:linear-gradient(0deg,rgba(16,40,61,.96) 0%,rgba(16,40,61,.78) 40%,rgba(16,40,61,0) 74%)}
  .band.is-right .band-copy{margin-left:0}
  .band-text{align-items:flex-end;padding-bottom:30px}
}

.chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:1.2em 0 0}
.chips a,.chips span{display:inline-block;padding:.45em 1.05em;border:1.5px solid var(--ink);border-radius:999px;color:var(--ink);text-decoration:none;font-size:.95rem;line-height:1.4;background:#fff}
.chips a:hover{background:var(--ink);color:#fff}
.chips.static span{border-color:var(--line);background:var(--concrete)}

.principle{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(28px,5vw,80px);align-items:start}
.principle h2{margin:.7em 0 0}
.statement{font-family:var(--serif);font-size:clamp(1.5rem,2.4vw,2.05rem);line-height:1.22;margin:0 0 .8em;color:var(--ink);max-width:30ch}
@media (max-width:900px){.principle{grid-template-columns:minmax(0,1fr)}}

.photo-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.photo-wide{margin:clamp(28px,4vw,52px) 0 0}
.photo-wide img{width:100%;border-radius:4px}

.page-head+.section-tight:not([style]){padding-top:clamp(12px,2vw,28px)}

/* =====================================================================
   Swiss Three – Premium-Gestaltung
   Farben aus dem Original-Logo: Navy #14405B, Grau #898989.
   Crimson Pro (Überschriften) + Work Sans (Text).
   ===================================================================== */
@font-face{font-family:"Work Sans";font-weight:400;font-style:normal;font-display:swap;src:url("../fonts/work-sans-400.woff") format("woff")}
@font-face{font-family:"Work Sans";font-weight:700;font-style:normal;font-display:swap;src:url("../fonts/work-sans-700.woff") format("woff")}
:root{
  --navy:#14405B; --navy-deep:#0D2C40; --navy-ink:#0A2233;
  --ink:#14405B; --text:#1E2A33; --ink-soft:#56636D; --grey:#898989;
  --lake:#1C5A80; --lake-dark:#14405B; --mist:#DCE5EC; --mist-deep:#A9BCCB;
  --stone:#F4F5F6; --concrete:#F4F5F6; --line:rgba(20,64,91,.14); --line-light:rgba(255,255,255,.22);
  --sans:"Work Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --radius-btn:2px; --radius-img:2px; --wrap:1240px;
}
body{color:var(--text);font-size:1.02rem;line-height:1.7}
h1,h2,h3{color:var(--navy)}
h1{font-size:clamp(2.4rem,5vw,4.2rem);line-height:1.05;letter-spacing:-.015em}
h2{font-size:clamp(1.9rem,3vw,2.75rem);line-height:1.12}
h3{font-size:clamp(1.3rem,1.7vw,1.55rem);font-weight:400}
.lead{color:var(--ink-soft)}
a{color:var(--lake)}
.kicker{font-size:.9rem;letter-spacing:.04em;color:var(--grey);margin:0 0 1em;font-weight:400}
.bg-stone{background:var(--stone)}
.bg-navy{background:var(--navy-deep);color:#fff}
.bg-navy h2,.bg-navy h3{color:#fff}
.bg-navy .lead,.bg-navy p{color:rgba(255,255,255,.82)}
.bg-navy a{color:#fff}
.bg-navy .fineprint{color:rgba(255,255,255,.6)}
.bg-navy :focus-visible{outline-color:#fff}
.fineprint{font-size:.8rem;line-height:1.55;color:var(--ink-soft);max-width:90ch}
.link-arrow{font-weight:700;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:2px}
.link-arrow::after{content:" →"}
.link-arrow:hover{border-bottom-width:2px}

/* Buttons */
.btn{border-width:1.5px;font-weight:700;font-size:.95rem;letter-spacing:.01em;padding:1em 1.7em}
.btn-primary{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;border-color:#fff;color:var(--navy)}
.btn-light:hover{background:var(--mist);border-color:var(--mist);color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.75);color:#fff}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-sm{padding:.75em 1.25em;font-size:.88rem}

/* Topbar + Kopfzeile */
.topbar{background:var(--navy-ink);color:rgba(255,255,255,.78);font-size:.82rem}
.topbar-in{display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:40px}
.topbar p{margin:0}
.topbar ul{list-style:none;margin:0;padding:0;display:flex;gap:22px;align-items:center}
.topbar a{color:rgba(255,255,255,.9);text-decoration:none}
.topbar a:hover{color:#fff;text-decoration:underline}
.topbar .lang{gap:0}
.topbar .lang a{padding:.2em .55em;border-radius:2px;color:rgba(255,255,255,.7)}
.topbar .lang a[aria-current="true"]{background:rgba(255,255,255,.14);color:#fff;font-weight:700}
.topbar :focus-visible{outline-color:#fff}
@media (max-width:760px){.topbar p{display:none}.topbar-in{justify-content:flex-end}.topbar ul{gap:14px}.topbar li:nth-child(2){display:none}}
.site-header{background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(20,64,91,.03)}
.bar{min-height:88px}
.brand .logo{width:clamp(150px,15vw,190px);height:auto}
#site-nav ul{gap:clamp(16px,2vw,32px)}
#site-nav li a{color:var(--navy);font-size:.95rem;padding:.5em 0;border-bottom-width:2px}
#site-nav li a:hover{border-bottom-color:var(--mist-deep)}
#site-nav li a[aria-current="page"]{border-bottom-color:var(--navy)}
.nav-toggle{border-radius:2px;color:var(--navy)}
@media (max-width:1100px){
  .nav-toggle{display:inline-flex}
  #site-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:18px var(--gutter) 26px;flex-direction:column;align-items:flex-start;gap:18px;display:none}
  #site-nav[data-open="true"]{display:flex}
  #site-nav ul{flex-direction:column;gap:2px;width:100%}
  #site-nav li a{padding:.6em 0;font-size:1.1rem}
}

/* Hero Startseite */
.hero-x{position:relative;min-height:clamp(560px,78vh,780px);display:flex;align-items:center;color:#fff;background:var(--navy-deep);overflow:hidden}
.hero-x-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:62% 30%}
.hero-x::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,34,51,.92) 0%,rgba(10,34,51,.78) 34%,rgba(10,34,51,.2) 62%,rgba(10,34,51,0) 80%)}
.hero-x-in{position:relative;z-index:1;width:100%;padding-top:60px;padding-bottom:110px}
.hero-x-copy{max-width:34rem}
.hero-x h1{color:#fff;font-size:clamp(2.4rem,4.6vw,4rem);hyphens:manual}
.hero-x .lead{color:rgba(255,255,255,.88);font-size:clamp(1.08rem,1.4vw,1.25rem)}
.hero-x .kicker{color:rgba(255,255,255,.7)}
.hero-x :focus-visible{outline-color:#fff}
@media (max-width:760px){
  .hero-x{min-height:0;display:block}
  .hero-x-bg{position:relative;height:52vh;min-height:320px;object-position:64% 25%}
  .hero-x::after{background:linear-gradient(180deg,rgba(10,34,51,0) 0%,rgba(10,34,51,0) 30%,rgba(10,34,51,1) 52vh)}
  .hero-x-in{margin-top:-90px;padding-top:0;padding-bottom:90px}
  .hero-x h1{hyphens:auto}
}

/* Kennzahlenleiste */
.keyfacts{position:relative;z-index:2;margin-top:-64px;padding-bottom:clamp(8px,2vw,20px)}
.keyfacts-in{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));margin:0;background:#fff;box-shadow:0 18px 50px -20px rgba(10,34,51,.35);border-top:3px solid var(--navy)}
.keyfacts-in>div{padding:1.6em 1.7em 1.5em;border-left:1px solid var(--line)}
.keyfacts-in>div:first-child{border-left:0}
.keyfacts dt{font-size:.85rem;color:var(--ink-soft);order:2}
.keyfacts dd{margin:0 0 .15em;font-family:var(--serif);font-size:clamp(1.8rem,2.8vw,2.5rem);color:var(--navy);line-height:1.1;font-variant-numeric:lining-nums}
.keyfacts-in>div{display:flex;flex-direction:column-reverse}
.keyfacts .fineprint{margin:1em 0 0}
@media (max-width:860px){.keyfacts-in{grid-template-columns:repeat(2,minmax(0,1fr))}.keyfacts-in>div:nth-child(3){border-left:0}.keyfacts-in>div:nth-child(n+3){border-top:1px solid var(--line)}}

/* Intro */
.intro{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:clamp(30px,6vw,96px);align-items:start}
.statement-xl{font-size:clamp(2rem,3.4vw,3.05rem);line-height:1.15;margin:0;max-width:16ch}
@media (max-width:900px){.intro{grid-template-columns:minmax(0,1fr)}}

.sec-head{max-width:48rem;margin-bottom:clamp(28px,4vw,48px)}
.sec-head h2::after{content:"";display:block;width:48px;height:2px;background:var(--grey);margin-top:.55em;opacity:.7}
.bg-navy .sec-head h2::after{background:rgba(255,255,255,.5)}
.row-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;max-width:none}
.row-head h2{margin:0}

/* Karten */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(18px,2.4vw,32px)}
.card{background:#fff;border:1px solid var(--line);transition:box-shadow .25s, transform .25s}
.card:hover{box-shadow:0 20px 40px -24px rgba(10,34,51,.45);transform:translateY(-3px)}
.card-link{display:flex;flex-direction:column;height:100%;text-decoration:none;color:inherit}
.card-img{aspect-ratio:3/2;overflow:hidden;background:var(--mist)}
.card-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.card:hover .card-img img{transform:scale(1.04)}
.card-body{padding:1.5em 1.6em 1.7em;display:flex;flex-direction:column;flex:1}
.card-body h3{margin-bottom:.35em}
.card-body p{color:var(--ink-soft);margin:0 0 1.2em}
.card .more{margin-top:auto;font-weight:700;color:var(--lake);font-size:.95rem}
@media (prefers-reduced-motion:reduce){.card,.card-img img{transition:none}.card:hover{transform:none}.card:hover .card-img img{transform:none}}
@media (max-width:900px){.cards{grid-template-columns:minmax(0,1fr)}}

/* Strategien-Panel */
.panel{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.14);padding:clamp(20px,3vw,36px)}
.bg-navy .range-title,.bg-navy .range-name{color:#fff}
.bg-navy .range-track{background:linear-gradient(to right,rgba(255,255,255,.16) 1px,transparent 1px) 0 0/calc(100%/6) 100% repeat-x;border-right-color:rgba(255,255,255,.16)}
.bg-navy .range-axis{color:rgba(255,255,255,.6)}
.range-bar{border-radius:2px}
.bg-navy .range-bar.c1{background:#DCE5EC;color:var(--navy)}
.bg-navy .range-bar.c2{background:#7FA3BD;color:var(--navy-ink)}
.bg-navy .range-bar.c3{background:#fff;color:var(--navy)}

/* Drei Prüfebenen */
.pillars{list-style:none;counter-reset:p;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(18px,3vw,40px)}
.pillars li{counter-increment:p;border-top:2px solid var(--navy);padding-top:1.3em}
.pillars li::before{content:"0" counter(p);display:block;font-family:var(--serif);font-size:2.6rem;line-height:1;color:var(--mist-deep);margin-bottom:.35em}
.pillars p{color:var(--ink-soft);margin:0}
.note{margin-top:clamp(28px,4vw,44px);padding:1.2em 1.4em;background:var(--stone);border-left:3px solid var(--grey);color:var(--ink-soft);font-size:.95rem;max-width:none}
@media (max-width:820px){.pillars{grid-template-columns:minmax(0,1fr)}}

/* Sicherheit */
.venn-wrap{display:grid;place-items:center}
.venn .c-a{fill:var(--navy)}
.venn .c-b{fill:#3F7398}
.venn .c-c{fill:#A9BCCB}
.ticks li::before{border-color:var(--navy);border-radius:0;width:.55em;height:.55em;background:var(--navy);top:1.25em;border:0}
.trust{list-style:none;padding:0;margin:1.6em 0 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.trust li{display:flex;flex-direction:column;gap:.7em;font-size:.88rem;font-weight:700;color:var(--navy);line-height:1.35}
.icon-circle{width:52px;height:52px;border-color:var(--navy);color:var(--navy);background:#fff}
.icon-circle svg{width:24px;height:24px}
@media (max-width:560px){.trust{grid-template-columns:minmax(0,1fr)}.trust li{flex-direction:row;align-items:center}}

/* Gründer */
.founder{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(30px,6vw,90px);align-items:center}
.founder-img{margin:0;position:relative}
.founder-img img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 20%}
.founder-img::after{content:"";position:absolute;left:-18px;bottom:-18px;width:45%;height:45%;border-left:2px solid var(--navy);border-bottom:2px solid var(--navy);z-index:-1}
.founder h2{margin-bottom:.3em}
@media (max-width:900px){.founder{grid-template-columns:minmax(0,1fr)}.founder-img{max-width:440px;margin-left:18px}}

/* Banken */
.banks{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.banks-in{display:flex;align-items:center;justify-content:space-between;gap:30px;padding-top:34px;padding-bottom:34px;flex-wrap:wrap}
.banks h2{font-family:var(--sans);font-size:.9rem;font-weight:400;color:var(--ink-soft);max-width:22ch;margin:0;line-height:1.4}
.banks ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:clamp(18px,4vw,56px);align-items:center}
.banks li{font-family:var(--serif);font-size:clamp(1.25rem,2vw,1.7rem);color:var(--grey);letter-spacing:.01em}

.cols-4 h3{border-top:2px solid var(--navy);font-size:1.3rem}
.side-photo{margin-top:1.6em;aspect-ratio:4/5;object-position:50% 25%;max-width:420px}
.steps li::before{border-radius:0;border-color:var(--navy);color:var(--navy);font-family:var(--serif)}
.steps strong{font-weight:400;font-size:1.35rem}

/* CTA mit Foto */
.cta-photo{position:relative;color:#fff;background:var(--navy-deep);overflow:hidden}
.cta-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:30% 30%}
.cta-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(270deg,rgba(10,34,51,.95) 0%,rgba(10,34,51,.82) 40%,rgba(10,34,51,.25) 75%)}
.cta-in{position:relative;z-index:1;display:flex;justify-content:flex-end;padding-top:clamp(80px,10vw,140px);padding-bottom:clamp(80px,10vw,140px)}
.cta-copy{max-width:31rem}
.cta-photo h2{color:#fff}
.cta-photo p{color:rgba(255,255,255,.86)}
.cta-photo :focus-visible{outline-color:#fff}
@media (max-width:760px){.cta-photo::after{background:rgba(10,34,51,.82)}}

/* Seitenkopf Unterseiten */
.page-hero{position:relative;background:var(--navy-deep);color:#fff;overflow:hidden}
.page-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.page-hero.has-img::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,34,51,.92) 0%,rgba(10,34,51,.7) 45%,rgba(10,34,51,.35) 100%)}
.page-hero-in{position:relative;z-index:1;padding-top:clamp(56px,8vw,120px);padding-bottom:clamp(56px,8vw,110px)}
.page-hero h1{color:#fff;max-width:18ch;font-size:clamp(2.3rem,4.6vw,3.8rem)}
.page-hero .lead{color:rgba(255,255,255,.86);max-width:52ch;margin:0}
.page-hero .crumbs,.page-hero .crumbs a{color:rgba(255,255,255,.7)}
.page-hero :focus-visible{outline-color:#fff}
.page-head+.section-tight:not([style]),.page-hero+.section-tight:not([style]){padding-top:clamp(36px,5vw,64px)}

/* Weitere Komponenten im neuen Look */
.photo{border-radius:2px}
.figures li{align-items:stretch;text-align:left}
.fig-circle{border-radius:0;aspect-ratio:auto;width:100%;align-items:flex-start;padding:1.6em 1.3em;border:0!important;border-top:3px solid var(--navy)!important}
.f1 .fig-circle,.f2 .fig-circle,.f3 .fig-circle,.f4 .fig-circle{background:var(--stone);color:var(--navy)}
.fig-unit{max-width:none;color:var(--ink-soft)}
.fig-label{max-width:none}
.chips a,.chips span{border-radius:2px}
.chips a{border-color:var(--navy);color:var(--navy)}
.chips a:hover{background:var(--navy);color:#fff}
.band h2{font-size:clamp(1.9rem,3.6vw,3rem)}
.statement{color:var(--navy)}
.faq summary{color:var(--navy)}
.faq summary::after{border-color:var(--navy)}
.legal{max-width:78ch}
.legal h2{font-size:1.45rem;margin-top:1.6em}
.legal ul{padding-left:1.2em}
.legal li{margin-bottom:.4em}

/* Fusszeile */
.site-footer{background:var(--navy-ink);color:rgba(255,255,255,.78);padding-top:clamp(56px,7vw,90px)}
.foot-top{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:clamp(24px,4vw,64px);align-items:center;padding-bottom:clamp(36px,5vw,56px);border-bottom:1px solid var(--line-light)}
.foot-logo .logo{width:200px;height:auto}
.foot-top p{margin:0;max-width:52ch}
@media (max-width:900px){.foot-top{grid-template-columns:minmax(0,1fr)}}
.foot-grid{grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));padding-top:clamp(32px,4vw,48px)}
@media (max-width:900px){.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.foot-grid{grid-template-columns:minmax(0,1fr)}}
.site-footer h2{font-size:.82rem;letter-spacing:.06em;color:rgba(255,255,255,.55);font-weight:700}
.foot-copy{margin-top:1em;color:rgba(255,255,255,.55)}
.hero-x-copy{max-width:38rem}
.hero-x h1{font-size:clamp(2.3rem,4vw,3.45rem)}
.statement-xl{hyphens:manual;max-width:18ch}
@media (max-width:600px){.statement-xl{hyphens:auto}}
.site-footer a{text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:#fff}
.keyfacts-in>div{flex-direction:column}

/* Topbar-Link Konto eröffnen */
.topbar .topbar-cta{color:#fff;font-weight:700;border:1px solid rgba(255,255,255,.35);padding:.25em .8em;border-radius:2px}
.topbar .topbar-cta:hover{background:#fff;color:var(--navy);text-decoration:none}
@media (max-width:760px){.topbar li:nth-child(3){display:none}}

/* Videos (YouTube erst nach Klick) */
.videos{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(18px,2.4vw,32px)}
@media (max-width:900px){.videos{grid-template-columns:minmax(0,1fr)}}
.video{margin:0}
.video-btn,.video iframe{width:100%;aspect-ratio:16/9;border:0;display:block}
.video-btn{position:relative;cursor:pointer;text-align:left;padding:1.3em;color:#fff;font:inherit;
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-ink) 100%);display:flex;flex-direction:column;justify-content:flex-end;gap:.3em}
.video-btn:hover .video-play{transform:translate(-50%,-50%) scale(1.06);background:#fff}
.video-play{position:absolute;left:50%;top:33%;width:64px;height:64px;border-radius:50%;background:rgba(255,255,255,.9);transform:translate(-50%,-50%);transition:transform .2s}
.video-play::after{content:"";position:absolute;left:26px;top:20px;border-left:18px solid var(--navy);border-top:12px solid transparent;border-bottom:12px solid transparent}
.video-title{font-family:var(--serif);font-size:1.25rem;line-height:1.25;position:relative}
.video-meta{font-size:.82rem;color:rgba(255,255,255,.7)}
.video figcaption{font-size:.78rem;color:var(--ink-soft);margin-top:.5em}
.video-btn:focus-visible{outline:3px solid var(--lake);outline-offset:3px}
@media (prefers-reduced-motion:reduce){.video-play{transition:none}}

/* Partner */
.partner-card{border:1px solid var(--line);border-top:3px solid var(--navy);padding:clamp(24px,4vw,48px);background:#fff;max-width:60rem}
.bank-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));border-top:1px solid var(--line);border-left:1px solid var(--line)}
.bank-grid li{border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:1.8em 1em;text-align:center;font-family:var(--serif);font-size:1.35rem;color:var(--navy)}
@media (max-width:800px){.bank-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* Konto eröffnen */
.account{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(28px,5vw,72px);align-items:start}
.account-aside{position:sticky;top:110px;background:var(--stone);padding:clamp(20px,3vw,32px);border-top:3px solid var(--navy)}
.account-aside h2{font-size:1.6rem}
.account-aside p{color:var(--ink-soft);font-size:.95rem}
.steps.compact li{padding-bottom:1em}
@media (max-width:900px){.account{grid-template-columns:minmax(0,1fr)}.account-aside{position:static}}
.account-form fieldset{border:0;border-top:1px solid var(--line);margin:0;padding:1.6em 0 .4em}
.account-form legend{font-family:var(--serif);font-size:1.45rem;color:var(--navy);padding:0 .4em 0 0}
.account-form .grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1em 1.2em;margin-top:1em}
@media (max-width:620px){.account-form .grid2{grid-template-columns:minmax(0,1fr)}}
.opts{display:flex;flex-wrap:wrap;gap:.6em;margin:.6em 0}
.opt{display:inline-flex!important;align-items:center;gap:.5em;font-weight:400!important;margin:0!important;padding:.55em .9em;border:1px solid var(--line);background:#fff;cursor:pointer}
.opt input{accent-color:var(--navy);width:1rem;height:1rem;margin:0}
.opt:has(input:checked){border-color:var(--navy);background:var(--stone)}
.field-label{font-weight:700;font-size:.95rem;margin:1em 0 0}
form.contact input[type=file]{font:inherit;font-size:.92rem;padding:.6em 0}
form.contact select{appearance:auto}

/* ===== Geteilte Kopfbereiche: Text und Foto nebeneinander – Gesichter nie hinter Text ===== */
.split-hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);background:var(--navy-deep);color:#fff;position:relative}
.split-hero-text{display:flex;align-items:center;padding:clamp(48px,6vw,96px) clamp(28px,4vw,64px) clamp(48px,6vw,96px) max(var(--gutter),calc((100vw - var(--wrap)) / 2 + var(--gutter)))}
.split-hero.rev .split-hero-text{padding:clamp(56px,7vw,110px) max(var(--gutter),calc((100vw - var(--wrap)) / 2 + var(--gutter))) clamp(56px,7vw,110px) clamp(28px,4vw,72px)}
.split-hero-media{position:relative;min-height:100%;overflow:hidden;background:var(--navy)}
.split-hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.split-hero h1,.split-hero h2{color:#fff}
.split-hero .lead,.split-hero p{color:rgba(255,255,255,.86)}
.split-hero .kicker{color:rgba(255,255,255,.65)}
.split-hero .crumbs,.split-hero .crumbs a{color:rgba(255,255,255,.7)}
.split-hero :focus-visible{outline-color:#fff}
.hero-split{min-height:clamp(560px,74vh,760px)}
.hero-split h1{font-size:clamp(2.3rem,3.9vw,3.6rem);hyphens:manual;max-width:14ch}
.hero-copy{max-width:34rem;padding-bottom:40px}
.hero-split .split-hero-media::after{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:var(--grey);opacity:.0}
.page-hero.split-hero{min-height:clamp(340px,42vw,480px)}
.page-hero.split-hero .page-hero-in{padding:0;max-width:34rem}
.page-hero.split-hero h1{font-size:clamp(2.1rem,3.6vw,3.3rem);max-width:none}
.page-hero:not(.split-hero) .page-hero-in{padding-top:clamp(48px,6vw,90px);padding-bottom:clamp(48px,6vw,90px)}
.cta-split{min-height:clamp(380px,40vw,520px)}
.cta-split h2{font-size:clamp(1.9rem,3vw,2.7rem)}
@media (max-width:900px){
  .split-hero{grid-template-columns:minmax(0,1fr)}
  .split-hero-media{order:-1;min-height:0;aspect-ratio:4/3}
  .hero-split .split-hero-media{aspect-ratio:1/1;max-height:70vh}
  .page-hero.split-hero .split-hero-media{aspect-ratio:16/9}
  .split-hero-text,.split-hero.rev .split-hero-text{padding:40px var(--gutter) 48px}
  .hero-split{min-height:0}
  .hero-split .split-hero-text{padding-bottom:110px}
  .hero-split h1{hyphens:auto;max-width:none}
}
/* Kennzahlen überlappen nur den Textbereich, nicht das Foto */
.keyfacts{margin-top:-56px}
@media (min-width:901px){.keyfacts .wrap{padding-right:calc(var(--gutter) + 0px)}}
.split-57{grid-template-columns:minmax(0,5fr) minmax(0,7fr)}
@media (max-width:900px){.split-57{grid-template-columns:minmax(0,1fr)}}
.hero-split h1{max-width:none;font-size:clamp(2.2rem,3.3vw,3.1rem)}
@media (min-width:901px){.hero-split .btn-row{flex-wrap:nowrap}}

/* Partner mit Logos */
.partner-list{display:grid;gap:clamp(20px,3vw,32px)}
.partner-list .partner-card{display:grid;grid-template-columns:minmax(0,240px) minmax(0,1fr);gap:clamp(20px,4vw,56px);align-items:start;max-width:none}
.partner-logo-wrap{display:flex;align-items:center;justify-content:center;min-height:120px;padding:20px;background:var(--stone);border:1px solid var(--line)}
.partner-logo{max-width:100%;max-height:90px;width:auto;height:auto}
.logo-text{font-family:var(--serif);font-size:1.6rem;color:var(--navy);text-align:center;line-height:1.2}
.partner-card .small{color:var(--ink-soft);margin:-.4em 0 1em}
@media (max-width:700px){.partner-list .partner-card{grid-template-columns:minmax(0,1fr)}.partner-logo-wrap{min-height:96px}}
.partners-in{border-top:1px solid var(--line);padding-top:26px}
.partners-in a{text-decoration:none;display:inline-flex;align-items:center}
.partner-logo-sm{max-height:44px;width:auto;display:block}
.partners-in .logo-text{font-size:clamp(1.15rem,1.8vw,1.45rem);color:var(--grey)}
.partners-in a:hover .logo-text{color:var(--navy)}

/* Cookie-Hinweis (nur aktiv, wenn Google Analytics eingerichtet ist) */
.consent{position:fixed;left:0;right:0;bottom:0;z-index:100;background:var(--navy-ink);color:#fff;box-shadow:0 -10px 30px -10px rgba(0,0,0,.35)}
.consent[hidden]{display:none}
.consent-in{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:18px;padding-bottom:18px}
.consent p{margin:0;font-size:.9rem;color:rgba(255,255,255,.88);max-width:80ch}
.consent a{color:#fff}
.consent .btn-row{flex-wrap:nowrap;margin:0}
.consent :focus-visible{outline-color:#fff}
@media (max-width:760px){.consent-in{flex-direction:column;align-items:flex-start}}
.linklike{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline;cursor:pointer}
@media (max-width:900px){.hero-split h1{hyphens:manual;font-size:clamp(1.9rem,8vw,2.4rem)}.page-hero h1{hyphens:manual;overflow-wrap:break-word}}
.partner-logo-wrap{background:#fff}
.partner-logo{width:200px;max-width:100%;height:auto;max-height:none}
.partner-logo-sm{width:auto;height:44px}
.cols-3x{grid-template-columns:repeat(3,minmax(0,1fr))}@media (max-width:900px){.cols-3x{grid-template-columns:minmax(0,1fr)}}