/* ============================================================
   PKV – Private Krankenversicherung | Design System 2025
   Modern, accessible, SEO-friendly
   ============================================================ */

/* ---------- Google Fonts ---------- */
@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,wght@0,300;0,400;0,600;0,700;1,400&family=Plus+Jakarta+Sans:wght@400;500;600;700&display=swap');

/* ---------- Custom Properties ---------- */
:root {
  /* Colors */
  --clr-primary:    #1b4f8a;
  --clr-primary-dk: #123663;
  --clr-accent:     #e8a227;
  --clr-accent-lt:  #fef3dc;
  --clr-dark:       #1a1f2e;
  --clr-text:       #3b4254;
  --clr-muted:      #6b7280;
  --clr-border:     #e2e8f0;
  --clr-bg:         #f8fafc;
  --clr-white:      #ffffff;
  --clr-success:    #16a34a;

  /* Typography */
  --font-heading: 'Fraunces', Georgia, serif;
  --font-body:    'Plus Jakarta Sans', system-ui, sans-serif;

  /* Spacing */
  --space-xs:  0.5rem;
  --space-sm:  1rem;
  --space-md:  1.5rem;
  --space-lg:  2.5rem;
  --space-xl:  4rem;
  --space-2xl: 6rem;
  --space-3xl: 9rem;

  /* Border-radius */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.04);
  --shadow-lg: 0 12px 40px rgba(0,0,0,.10), 0 4px 12px rgba(0,0,0,.06);
  --shadow-xl: 0 24px 60px rgba(0,0,0,.14);

  /* Transitions */
  --ease: 0.25s ease;
  --ease-slow: 0.4s ease;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  font-size: 62.5%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 1.6rem;
  line-height: 1.7;
  color: var(--clr-text);
  background: var(--clr-white);
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 600;
  line-height: 1.2;
  color: var(--clr-dark);
}

/* ---------- Utilities ---------- */
.container {
  max-width: 115rem;
  margin-inline: auto;
  padding-inline: clamp(1.6rem, 4vw, 4rem);
}
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.text-center { text-align: center; }

/* ---------- Animations ---------- */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(2.4rem); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}

.animate-fadeup { animation: fadeUp 0.7s ease both; }
.animate-fadein { animation: fadeIn 0.6s ease both; }

/* ---------- Skip Link (Accessibility) ---------- */
.skip-link {
  position: absolute; top: -100%; left: 1rem;
  background: var(--clr-primary); color: #fff;
  padding: 0.8rem 1.6rem; border-radius: var(--radius-sm);
  font-size: 1.4rem; font-weight: 600; z-index: 9999;
  transition: top var(--ease);
}
.skip-link:focus { top: 1rem; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: var(--clr-white);
  border-bottom: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
}
.site-nav .container {
  display: flex; align-items: center;
  justify-content: space-between;
  padding-block: 1.4rem;
}
.nav-logo {
  display: flex; align-items: center; gap: 1rem;
  font-family: var(--font-heading);
  font-size: 2rem; font-weight: 700;
  color: var(--clr-primary);
  white-space: nowrap;
}
.nav-logo img { height: 3.6rem; width: auto; }

.nav-links {
  display: flex; align-items: center; gap: 2.8rem;
}
.nav-links a {
  font-size: 1.4rem; font-weight: 600;
  color: var(--clr-text); letter-spacing: 0.03em;
  position: relative; padding-bottom: 0.2rem;
  transition: color var(--ease);
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -2px; left: 0;
  width: 0; height: 2px;
  background: var(--clr-primary);
  transition: width var(--ease);
}
.nav-links a:hover { color: var(--clr-primary); }
.nav-links a:hover::after { width: 100%; }

.nav-cta {
  background: var(--clr-primary) !important;
  color: var(--clr-white) !important;
  padding: 0.9rem 2rem !important;
  border-radius: var(--radius-full) !important;
  font-size: 1.3rem !important; font-weight: 700 !important;
  transition: background var(--ease), transform var(--ease) !important;
}
.nav-cta:hover {
  background: var(--clr-primary-dk) !important;
  transform: translateY(-1px);
}
.nav-cta::after { display: none !important; }

/* Hamburger */
.nav-toggle {
  display: none; width: 4rem; height: 4rem;
  align-items: center; justify-content: center;
  border-radius: var(--radius-sm);
  background: var(--clr-bg);
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block; width: 2.2rem; height: 2px;
  background: var(--clr-dark); border-radius: 2px;
  position: relative; transition: all var(--ease);
}
.nav-toggle span::before,
.nav-toggle span::after {
  content: ''; position: absolute; left: 0;
}
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after  { top:  7px; }

@media (max-width: 767px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-links.is-open {
    display: flex; flex-direction: column; align-items: flex-start;
    position: fixed; inset: 0 0 0 30%;
    background: var(--clr-white);
    padding: 8rem 2.4rem 2.4rem;
    gap: 2rem;
    box-shadow: -4px 0 40px rgba(0,0,0,.15);
    animation: fadeIn 0.25s ease both;
  }
  .nav-links.is-open .nav-cta {
    margin-top: 1rem;
    width: 100%; text-align: center;
  }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--clr-primary-dk) 0%, var(--clr-primary) 60%, #2563ab 100%);
  color: var(--clr-white);
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Ccircle cx='30' cy='30' r='1.5' fill='rgba(255,255,255,.07)'/%3E%3C/svg%3E");
  pointer-events: none;
}
.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  padding-block: clamp(5rem, 8vw, 9rem);
}
.hero-text { animation: fadeUp 0.8s 0.1s ease both; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: var(--clr-white);
  font-size: 1.3rem; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.6rem 1.4rem; border-radius: var(--radius-full);
  margin-bottom: 2rem;
}
.hero-badge svg { width: 1.4rem; height: 1.4rem; }
.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(3.2rem, 4.5vw, 5.6rem);
  line-height: 1.1; color: var(--clr-white);
  margin-bottom: 2rem;
}
.hero h1 em {
  font-style: italic; color: var(--clr-accent);
}
.hero-lead {
  font-size: clamp(1.6rem, 1.8vw, 1.9rem);
  line-height: 1.6;
  color: rgba(255,255,255,.85);
  margin-bottom: 3.2rem;
  max-width: 52ch;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 1.2rem; align-items: center; }

.hero-stats {
  display: flex; gap: 3rem; margin-top: 3.6rem;
  padding-top: 2.8rem;
  border-top: 1px solid rgba(255,255,255,.15);
}
.hero-stat .num {
  font-family: var(--font-heading);
  font-size: 3rem; font-weight: 700;
  color: var(--clr-accent);
}
.hero-stat .lbl {
  font-size: 1.3rem; color: rgba(255,255,255,.7);
}

.hero-visual {
  position: relative;
  animation: fadeIn 1s 0.4s ease both;
}
.hero-visual img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  width: 100%;
}
.hero-trust {
  position: absolute; bottom: -2rem; left: -2rem;
  background: var(--clr-white);
  border-radius: var(--radius-md);
  padding: 1.4rem 1.8rem;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 1.2rem;
  font-size: 1.3rem; color: var(--clr-text);
}
.hero-trust .stars { color: var(--clr-accent); font-size: 1.6rem; }
.hero-trust strong { display: block; font-size: 1.5rem; color: var(--clr-dark); }

@media (max-width: 767px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-stats { flex-wrap: wrap; gap: 2rem; }
  .hero-trust { display: none; }
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--clr-bg);
  border-bottom: 1px solid var(--clr-border);
  padding: 2rem 0;
}
.trust-bar .container {
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: 2.4rem;
}
.trust-item {
  display: flex; align-items: center; gap: 0.8rem;
  font-size: 1.4rem; font-weight: 600; color: var(--clr-text);
}
.trust-item svg { width: 1.8rem; height: 1.8rem; color: var(--clr-success); }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; gap: 0.7rem;
  font-family: var(--font-body);
  font-size: 1.5rem; font-weight: 700;
  letter-spacing: 0.02em;
  padding: 1.2rem 2.6rem;
  border-radius: var(--radius-full);
  transition: all var(--ease);
  white-space: nowrap;
}
.btn-primary {
  background: var(--clr-accent);
  color: var(--clr-dark);
  box-shadow: 0 4px 16px rgba(232,162,39,.35);
}
.btn-primary:hover {
  background: #d4931e;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(232,162,39,.45);
}
.btn-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,.6);
  color: var(--clr-white);
}
.btn-outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--clr-white);
}
.btn-blue {
  background: var(--clr-primary);
  color: var(--clr-white);
}
.btn-blue:hover {
  background: var(--clr-primary-dk);
  transform: translateY(-2px);
}
.btn svg { width: 1.6rem; height: 1.6rem; }

/* ============================================================
   SECTION HEADINGS
   ============================================================ */
.section-header {
  text-align: center; margin-bottom: var(--space-xl);
}
.section-tag {
  display: inline-block;
  font-size: 1.3rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--clr-primary);
  background: rgba(27,79,138,.08);
  padding: 0.5rem 1.4rem; border-radius: var(--radius-full);
  margin-bottom: 1.2rem;
}
.section-title {
  font-family: var(--font-heading);
  font-size: clamp(2.8rem, 3.5vw, 4.4rem);
  color: var(--clr-dark); margin-bottom: 1.4rem;
}
.section-lead {
  font-size: 1.8rem; line-height: 1.6;
  color: var(--clr-muted); max-width: 62ch;
  margin-inline: auto;
}

/* ============================================================
   FEATURES / VORTEILE
   ============================================================ */
.features { padding: var(--space-3xl) 0; }
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(28rem, 1fr));
  gap: 2.4rem;
}
.feature-card {
  background: var(--clr-white);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  padding: 3.2rem 2.8rem;
  transition: box-shadow var(--ease), transform var(--ease), border-color var(--ease);
}
.feature-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}
.feature-icon {
  width: 5.6rem; height: 5.6rem;
  background: rgba(27,79,138,.08);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 2rem;
}
.feature-icon img { width: 3rem; height: 3rem; }
.feature-icon svg { width: 2.8rem; height: 2.8rem; color: var(--clr-primary); }
.feature-card h3 {
  font-family: var(--font-heading);
  font-size: 2rem; color: var(--clr-dark);
  margin-bottom: 1rem;
}
.feature-card p { font-size: 1.5rem; color: var(--clr-muted); line-height: 1.7; }

/* ============================================================
   STEPS / WIE ES FUNKTIONIERT
   ============================================================ */
.how-it-works {
  background: linear-gradient(160deg, var(--clr-primary-dk), var(--clr-primary));
  color: var(--clr-white);
  padding: var(--space-3xl) 0;
  position: relative; overflow: hidden;
}
.how-it-works::before {
  content: '';
  position: absolute; inset: 0;
  background: url(/images/bg-pattern-how-we-work-desktop.svg) no-repeat right top;
  background-size: contain; opacity: .2; pointer-events: none;
}
.how-it-works .section-title,
.how-it-works .section-tag { color: var(--clr-white); }
.how-it-works .section-tag { background: rgba(255,255,255,.15); }
.how-it-works .section-lead { color: rgba(255,255,255,.75); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(24rem, 1fr));
  gap: 3.2rem; margin-top: var(--space-xl);
}
.step-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
  padding: 3rem 2.4rem;
  transition: background var(--ease);
}
.step-card:hover { background: rgba(255,255,255,.13); }
.step-num {
  font-family: var(--font-heading);
  font-size: 4.8rem; font-weight: 700;
  color: var(--clr-accent); line-height: 1;
  margin-bottom: 1.6rem;
}
.step-card h3 {
  font-family: var(--font-heading);
  font-size: 2rem; color: var(--clr-white);
  margin-bottom: 1rem;
}
.step-card p { font-size: 1.5rem; color: rgba(255,255,255,.75); line-height: 1.7; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { padding: var(--space-3xl) 0; background: var(--clr-bg); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(30rem, 1fr));
  gap: 2.4rem;
}
.testimonial-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: 3rem 2.8rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--clr-border);
  transition: transform var(--ease), box-shadow var(--ease);
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.testimonial-stars { color: var(--clr-accent); font-size: 1.8rem; margin-bottom: 1.4rem; }
.testimonial-text {
  font-size: 1.6rem; line-height: 1.7;
  color: var(--clr-text); font-style: italic;
  margin-bottom: 2rem;
}
.testimonial-text::before { content: '\201E'; }
.testimonial-text::after  { content: '\201C'; }
.testimonial-author {
  display: flex; align-items: center; gap: 1.2rem;
}
.testimonial-author img {
  width: 4.8rem; height: 4.8rem;
  border-radius: 50%; object-fit: cover;
  border: 2px solid var(--clr-border);
}
.testimonial-author .name {
  font-weight: 700; font-size: 1.5rem; color: var(--clr-dark);
}
.testimonial-author .role {
  font-size: 1.3rem; color: var(--clr-muted);
}

/* ============================================================
   FAQ
   ============================================================ */
.faq-section { padding: var(--space-3xl) 0; }
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.6rem;
  max-width: 96rem; margin-inline: auto;
}
@media (max-width: 767px) { .faq-grid { grid-template-columns: 1fr; } }

.faq-item {
  background: var(--clr-white);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.faq-question {
  width: 100%; text-align: left;
  padding: 2rem 2.4rem;
  font-family: var(--font-heading);
  font-size: 1.7rem; font-weight: 600;
  color: var(--clr-dark);
  background: none;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  cursor: pointer;
  transition: background var(--ease);
}
.faq-question:hover { background: var(--clr-bg); }
.faq-question svg {
  width: 2rem; height: 2rem; flex-shrink: 0;
  color: var(--clr-primary);
  transition: transform var(--ease);
}
.faq-item.is-open .faq-question svg { transform: rotate(180deg); }
.faq-answer {
  display: none;
  padding: 0 2.4rem 2rem;
  font-size: 1.5rem; line-height: 1.8;
  color: var(--clr-muted);
  border-top: 1px solid var(--clr-border);
}
.faq-item.is-open .faq-answer { display: block; }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(120deg, var(--clr-primary-dk), var(--clr-primary));
  color: var(--clr-white);
  padding: var(--space-2xl) 0;
  position: relative; overflow: hidden;
  text-align: center;
}
.cta-banner::before {
  content: '';
  position: absolute; inset: 0;
  background: url(/images/bg-pattern-how-we-work-desktop.svg) no-repeat right center;
  background-size: 50%; opacity: .1; pointer-events: none;
}
.cta-banner h2 {
  font-family: var(--font-heading);
  font-size: clamp(2.8rem, 3.5vw, 4.4rem);
  color: var(--clr-white); margin-bottom: 1.4rem;
}
.cta-banner p {
  font-size: 1.8rem; line-height: 1.6;
  color: rgba(255,255,255,.85); max-width: 60ch;
  margin: 0 auto 2.8rem;
}

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  padding: 1.2rem 0;
  font-size: 1.3rem; color: var(--clr-muted);
}
.breadcrumb a { color: var(--clr-primary); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: var(--clr-muted); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--clr-dark);
  color: rgba(255,255,255,.75);
  padding: var(--space-3xl) 0 0;
  position: relative; overflow: hidden;
}
.site-footer::before {
  content: '';
  position: absolute; inset: 0;
  background: url(/images/bg-pattern-footer-desktop.svg) no-repeat left top;
  background-size: 40%; opacity: .07; pointer-events: none;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 4rem;
  padding-bottom: var(--space-2xl);
}
@media (max-width: 767px) {
  .footer-grid { grid-template-columns: 1fr; gap: 3rem; }
}
@media (min-width: 768px) and (max-width: 991px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
.footer-brand .logo-text {
  font-family: var(--font-heading);
  font-size: 2.2rem; font-weight: 700; color: var(--clr-white);
  margin-bottom: 1.2rem;
}
.footer-brand p {
  font-size: 1.4rem; line-height: 1.7;
  color: rgba(255,255,255,.6); max-width: 36ch;
}
.footer-social {
  display: flex; gap: 1.2rem; margin-top: 2rem;
}
.footer-social a {
  width: 3.8rem; height: 3.8rem;
  background: rgba(255,255,255,.08);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--ease);
}
.footer-social a:hover { background: rgba(255,255,255,.16); }
.footer-social svg { width: 1.6rem; height: 1.6rem; fill: rgba(255,255,255,.7); }

.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 1.5rem; font-weight: 700;
  color: var(--clr-white); margin-bottom: 1.8rem;
  letter-spacing: 0.05em; text-transform: uppercase;
}
.footer-col li + li { margin-top: 1rem; }
.footer-col a {
  font-size: 1.4rem; color: rgba(255,255,255,.6);
  transition: color var(--ease);
}
.footer-col a:hover { color: var(--clr-white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 2rem 0;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 1rem;
  font-size: 1.3rem; color: rgba(255,255,255,.4);
}
.footer-bottom a { color: rgba(255,255,255,.4); }
.footer-bottom a:hover { color: rgba(255,255,255,.7); }

/* ============================================================
   RECHNER PAGE
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--clr-primary-dk), var(--clr-primary));
  color: var(--clr-white);
  padding: var(--space-2xl) 0;
  text-align: center;
}
.page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(3.2rem, 4vw, 5rem);
  color: var(--clr-white); margin-bottom: 1.2rem;
}
.page-hero p {
  font-size: 1.8rem; line-height: 1.6;
  color: rgba(255,255,255,.85); max-width: 70ch;
  margin-inline: auto;
}
.calculator-section { padding: var(--space-2xl) 0; }
.calc-wrapper {
  background: var(--clr-white);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  margin-bottom: var(--space-2xl);
}
.calc-info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(24rem, 1fr));
  gap: 2.4rem; margin: var(--space-2xl) 0;
}
.calc-info-item {
  display: flex; gap: 1.4rem; align-items: flex-start;
}
.calc-info-item .icon {
  width: 4.4rem; height: 4.4rem; flex-shrink: 0;
  background: rgba(27,79,138,.08);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
}
.calc-info-item .icon svg { width: 2.2rem; height: 2.2rem; color: var(--clr-primary); }
.calc-info-item h4 {
  font-size: 1.6rem; color: var(--clr-dark); margin-bottom: 0.4rem;
}
.calc-info-item p { font-size: 1.4rem; color: var(--clr-muted); line-height: 1.6; }

/* ============================================================
   LEGAL PAGES (Impressum, Datenschutz)
   ============================================================ */
.legal-page { padding: var(--space-2xl) 0 var(--space-3xl); }
.legal-content {
  max-width: 78rem; margin-inline: auto;
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: clamp(2.4rem, 5vw, 5rem);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
}
.legal-content h1 { margin-bottom: 1.6rem; }
.legal-content h2 {
  font-family: var(--font-heading);
  font-size: 2.2rem; color: var(--clr-primary);
  margin: 3.2rem 0 1.2rem; padding-top: 2.4rem;
  border-top: 1px solid var(--clr-border);
}
.legal-content h2:first-of-type { margin-top: 2.4rem; }
.legal-content h3 {
  font-size: 1.8rem; color: var(--clr-dark);
  margin: 2rem 0 0.8rem;
}
.legal-content h4 {
  font-size: 1.6rem; color: var(--clr-dark);
  margin: 1.6rem 0 0.6rem;
}
.legal-content p {
  font-size: 1.5rem; line-height: 1.8;
  color: var(--clr-text); margin-bottom: 1.2rem;
}
.legal-content a { color: var(--clr-primary); }
.legal-content a:hover { text-decoration: underline; }
.legal-content ul {
  list-style: disc; padding-left: 2.4rem;
  margin-bottom: 1.2rem;
}
.legal-content ul li { font-size: 1.5rem; color: var(--clr-text); margin-bottom: 0.6rem; }
.legal-content address {
  font-style: normal; font-size: 1.5rem;
  line-height: 1.8; color: var(--clr-text);
}

/* ============================================================
   VERSICHERUNGSBEDINGUNGEN (same as legal)
   ============================================================ */

/* ============================================================
   INLINE ICONS (SVG data URIs used inline)
   ============================================================ */

/* ============================================================
   RESPONSIVE TWEAKS
   ============================================================ */
@media (max-width: 991px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
}

/* Print */
@media print {
  .site-nav, .hero-actions, .cta-banner, .site-footer { display: none; }
  body { font-size: 12pt; }
}