/* Baugeld klar – Tinte (#0F2233), Papier (#F5F2EC), Akzent Grüntürkis (#2FBF9C), Linie (#DCD7CC), Rot (#B3261E).
   Schrift: Space Grotesk (Wortmarke, Überschriften), Manrope (Text), beide lokal. Keine Inline-Styles (CSP). */
@font-face{font-family:"Space Grotesk";src:url("/fonts/SpaceGrotesk-var-latin.woff2") format("woff2");font-weight:300 700;font-display:swap}
@font-face{font-family:"Manrope";src:url("/fonts/Manrope-latin.woff2") format("woff2");font-weight:200 800;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Manrope";src:url("/fonts/Manrope-latin-ext.woff2") format("woff2");font-weight:200 800;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}

:root{
  --ink:#0F2233;--ink-2:#46596A;--ink-soft:#7C8B98;--ink-dark:#0A1824;
  --paper:#F5F2EC;--paper-2:#EAE5DB;--white:#FFFFFF;
  --accent:#2FBF9C;--accent-hover:#2AAB8C;--accent-deep:#12705C;--line:#DCD7CC;--rot:#B3261E;
  --font:"Manrope",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --font-display:"Space Grotesk","Manrope",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --wrap:1160px;--gutter:16px;--radius:8px;
}
@media (min-width:720px){:root{--gutter:32px}}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:16px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font);font-size:1rem;line-height:1.6;overflow-x:hidden}
@media (min-width:960px){body{font-size:1.0625rem}}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{text-decoration-thickness:2px}
h1,h2,h3{margin:0;line-height:1.12;letter-spacing:-.02em;text-wrap:balance;font-family:var(--font-display);font-weight:700}
h1{font-size:clamp(1.85rem,1.1rem + 2.6vw,3rem);line-height:1.07;letter-spacing:-.03em}
h2{font-size:clamp(1.5rem,1.1rem + 1.5vw,2.2rem);letter-spacing:-.025em}
h3{font-size:1.12rem;line-height:1.3;letter-spacing:-.012em}
p{margin:0 0 1em}
p:last-child{margin-bottom:0}
ul,ol{margin:0;padding:0}
address{font-style:normal;line-height:1.7}
:focus-visible{outline:3px solid var(--ink);outline-offset:3px;border-radius:2px}
.band-ink :focus-visible,.site-footer :focus-visible{outline-color:var(--accent)}
.skip{position:absolute;left:12px;top:-60px;background:var(--ink);color:var(--paper);padding:10px 16px;border-radius:var(--radius);z-index:50}
.skip:focus{top:12px}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}
.wrap-narrow{max-width:820px}
.wrap-form{max-width:1060px}
.ico{width:26px;height:26px;flex:none}
.fine{font-size:.88rem;color:var(--ink-2)}
.eyebrow{font-size:.84rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-deep);margin-bottom:12px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;min-height:52px;padding:0 22px;border-radius:var(--radius);border:2px solid transparent;font:inherit;font-weight:700;font-size:1rem;line-height:1.15;text-align:center;text-decoration:none;cursor:pointer}
.btn-small{min-height:42px;padding:0 16px;font-size:.95rem}
.btn-block{width:100%}
.btn-ink{background:var(--ink);color:var(--paper)}
.btn-ink:hover{background:var(--ink-dark)}
.btn-outline{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-outline:hover{background:var(--white)}
.btn-accent{background:var(--accent);color:var(--ink)}
.btn-accent:hover{background:var(--accent-hover)}
.btn-ghost-light{border-color:rgba(245,242,236,.7);color:var(--paper)}
.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
.btn[disabled]{opacity:.6;cursor:progress}
.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.link{font-weight:700}

/* Marke */
.lockup,.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.mark{width:38px;height:38px;flex:none}
.wm{font-family:var(--font-display);font-size:1.5rem;letter-spacing:-.035em;line-height:1;display:inline-flex}
.wm-a{font-weight:500}
.wm-b{font-weight:800;color:var(--accent-deep)}
.brand-light{color:var(--paper)}
.brand-light .wm-b{color:var(--accent)}

/* Header */
.site-header{position:relative;background:var(--paper);border-bottom:1px solid var(--line);z-index:20}
.header-row{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
.nav-toggle{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 12px;border:2px solid var(--ink);border-radius:var(--radius);background:transparent;color:var(--ink);font:inherit;font-weight:600}
.nav-toggle svg{width:22px;height:22px}
.nav{display:none}
.nav.open{display:flex;flex-direction:column;position:absolute;left:0;right:0;top:100%;background:var(--white);border-bottom:1px solid var(--line);padding:8px var(--gutter) 20px;box-shadow:0 12px 24px rgba(15,34,51,.14)}
.nav a{padding:12px 0;font-weight:600;text-decoration:none;border-bottom:1px solid var(--line)}
.nav a[aria-current]{color:var(--accent-deep)}
.nav a.btn{margin-top:14px;border-bottom:0}
@media (min-width:860px){
  .nav-toggle{display:none}
  .nav,.nav.open{display:flex;flex-direction:row;position:static;align-items:center;gap:26px;padding:0;background:none;border:0;box-shadow:none}
  .nav a{padding:6px 0;border:0;font-weight:500;font-size:.98rem}
  .nav a:not(.btn):hover{text-decoration:underline}
  .nav a.btn{margin:0 0 0 4px;padding:0 16px}
}

/* Bänder */
.band{padding-block:clamp(48px,7vw,88px)}
.band-white{background:var(--white)}
.band-paper{background:var(--paper)}
.band-ink{background:var(--ink);color:var(--paper)}
.band-ink .eyebrow{color:var(--accent)}
.section-title{margin-bottom:12px}
.section-lead{max-width:62ch;font-size:1.06rem;color:var(--ink-2);margin-bottom:34px}
.band-ink .section-lead{color:rgba(245,242,236,.82)}

/* Hero */
.hero{padding-block:clamp(36px,6vw,76px) clamp(42px,6vw,72px)}
.hero-grid{display:grid;gap:34px;align-items:center}
@media (min-width:960px){.hero-grid{grid-template-columns:1.05fr .95fr;gap:52px}}
.lead{font-size:1.12rem;line-height:1.56;margin:20px 0 26px;max-width:60ch;color:var(--ink-2)}
.hero-anchor{margin-top:18px;font-size:.9rem;color:var(--ink-2);max-width:56ch}
.photo{display:block;border-radius:12px;overflow:hidden;box-shadow:0 18px 38px rgba(15,34,51,.16)}
.photo img{width:100%;aspect-ratio:16/9;object-fit:cover}

/* Karten */
.cards{list-style:none;display:grid;gap:18px}
@media (min-width:720px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1060px){.cards{grid-template-columns:repeat(3,1fr)}}
.cards li{display:flex;gap:14px;padding:22px;border-radius:12px;background:var(--white);border:1px solid var(--line)}
.band-white .cards li{background:var(--paper)}
.cards h3{margin-bottom:6px;text-wrap:pretty}
.cards p{color:var(--ink-2);font-size:.97rem}
.cards-pain .ico{color:var(--accent-deep)}
.cards-sol .ico{color:var(--ink)}
.ehrlich{margin-top:28px;max-width:74ch;font-family:var(--font-display);font-weight:600;font-size:1.06rem;letter-spacing:-.015em;border-left:4px solid var(--accent);padding-left:16px}

/* Schritte */
.steps{list-style:none;display:grid;gap:22px}
.step{position:relative;padding-left:56px}
.step-no{position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--accent);color:var(--ink);font-family:var(--font-display);font-weight:700;display:flex;align-items:center;justify-content:center}
.step h3{margin-bottom:4px}
.step p{color:var(--ink-2)}
.ablauf-grid{display:grid;gap:32px;align-items:start}
@media (min-width:960px){.ablauf-grid{grid-template-columns:1.15fr .85fr;gap:52px}}
.steps-long{margin:24px 0 28px}

/* Rechner */
.calc-wrap{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:clamp(18px,3vw,30px)}
.band-paper .calc-wrap{background:var(--white)}
.calc-grid{display:grid;gap:28px}
@media (min-width:860px){.calc-grid{grid-template-columns:1fr 1fr;gap:44px}}
.range{margin-bottom:18px}
.range:last-child{margin-bottom:0}
.range-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:4px;font-weight:600}
.range-head output{white-space:nowrap;font-weight:800;font-size:1.1rem;font-variant-numeric:tabular-nums}
.range-fuss{margin:4px 0 0;font-size:.84rem;color:var(--ink-2)}
input[type=range]{--p:20%;width:100%;height:32px;margin:0;background:transparent;-webkit-appearance:none;appearance:none}
input[type=range]::-webkit-slider-runnable-track{height:8px;border-radius:4px;background:linear-gradient(to right,var(--accent) var(--p),var(--line) var(--p))}
input[type=range]::-moz-range-track{height:8px;border-radius:4px;background:var(--line)}
input[type=range]::-moz-range-progress{height:8px;border-radius:4px;background:var(--accent)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-10px;border-radius:50%;background:var(--ink);border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.25)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--ink);border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.25)}
.calc-result{display:grid;gap:4px;align-content:start}
.vrow{display:grid;grid-template-columns:1fr auto;gap:2px 12px;padding:12px 0;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
.vname{font-weight:700;grid-column:1;grid-row:1}
.vformula{grid-column:1;grid-row:2;font-size:.86rem;color:var(--ink-2)}
.vsum{grid-column:2;grid-row:1/3;align-self:center;font-weight:800;font-size:1.35rem;letter-spacing:-.02em}
.vdiff{border-bottom:0}
.vdiff .vsum{color:var(--accent-deep)}
.calc-note{margin-top:14px;font-size:.9rem;color:var(--ink-2);max-width:56ch}
.table-wrap{overflow-x:auto;margin:16px 0 12px}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--paper-2);font-weight:700}

/* FAQ */
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:16px 36px 16px 0;font-weight:700;position:relative;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:10px;height:10px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(225deg)}
.faq details p{padding:0 0 18px;color:var(--ink-2);max-width:72ch}

/* CTA-Band */
.cta-grid{display:grid;gap:24px;align-items:center}
@media (min-width:860px){.cta-grid{grid-template-columns:1.3fr auto}}
.cta-grid h2{margin-bottom:8px}
.cta-grid p{color:rgba(245,242,236,.84);max-width:60ch}

/* Unterseiten */
.page{padding-block:clamp(32px,5vw,60px) clamp(48px,7vw,88px)}
.page h1{margin-bottom:14px}
.page h2{margin:40px 0 12px;font-size:clamp(1.3rem,1.05rem + 1vw,1.75rem)}
.page h3{margin:22px 0 6px}
.page p,.page li{max-width:74ch}
.page-lead{font-size:1.1rem;color:var(--ink-2);max-width:68ch;margin-bottom:24px}
.plain{list-style:none;display:grid;gap:8px}
.plain li{padding-left:20px;position:relative}
.plain li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:8px;border-radius:2px;background:var(--accent)}
.crumbs{font-size:.86rem;color:var(--ink-2);margin-bottom:18px}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.notice{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:22px 24px}
.band-white .notice{background:var(--paper)}
.notice h3{margin-bottom:12px}
.notice .fine{margin-top:14px}

/* Ratgeber */
.badge{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;padding:3px 9px;border-radius:4px;background:var(--accent);color:var(--ink);margin-bottom:10px}
.hub-kat{margin-top:44px}
.hub-kat h2{margin:0 0 6px}
.kat-lead{color:var(--ink-2);max-width:66ch;margin-bottom:22px}
.tiles{list-style:none;display:grid;gap:28px 30px;margin:0}
@media (min-width:720px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media (min-width:960px){.hub-tiles{grid-template-columns:repeat(3,1fr)}}
.tile a{display:block;text-decoration:none}
.tile .photo{margin-bottom:14px;box-shadow:none;border-radius:10px}
.tile h3{font-size:1.12rem;margin-bottom:8px;text-wrap:pretty}
.tile a:hover h3{text-decoration:underline}
.tile p{font-size:.95rem;color:var(--ink-2);max-width:48ch}
.tile-date{margin-top:6px;font-size:.85rem;color:var(--ink-2)}
.tile-empty{aspect-ratio:16/9;background:var(--paper-2);border-radius:10px}
.article-head{margin-bottom:24px}
.article-head h1{margin-bottom:12px}
.byline{margin:0;font-size:.93rem;color:var(--ink-2)}
.ratgeber .photo{margin:0 0 32px}
.article-body h2{margin:2em 0 .6em}
.article-body h3{margin:1.6em 0 .4em}
.article-body p,.article-body li{max-width:70ch}
.article-body ul,.article-body ol{padding-left:1.3em;margin-bottom:1.1em}
.article-body li{margin-bottom:.4em}
.cta-box{margin:40px 0;padding:26px 24px;background:var(--white);border:1px solid var(--line);border-left:6px solid var(--accent);border-radius:12px}
.cta-title{font-family:var(--font-display);font-weight:700;font-size:1.18rem;letter-spacing:-.02em;margin-bottom:8px;color:var(--ink)}
.cta-box p{color:var(--ink-2)}
.cta-box .actions{margin-top:18px}
.article-faq{margin-top:52px}
.article-faq h2{margin:0 0 12px}
.article-faq details div{color:var(--ink-2);max-width:66ch;padding-bottom:20px}
.article-faq details div p{margin-bottom:.8em}
.related{margin-top:52px}
.related h2{margin:0 0 18px}

/* Formular */
.bestell{display:grid;gap:28px;align-items:start}
@media (min-width:900px){.bestell{grid-template-columns:1.55fr 1fr}}
.pflichthinweis{border:2px solid var(--ink);border-left-width:6px;border-radius:10px;background:var(--white);padding:16px 18px;font-weight:600;margin-bottom:20px;max-width:none}
.bform fieldset{border:1px solid var(--line);border-radius:12px;padding:18px 20px 20px;margin:0 0 18px;background:var(--white)}
.bform legend{font-weight:800;padding:0 6px;font-family:var(--font-display)}
.bgrid{display:grid;gap:14px}
@media (min-width:600px){.bgrid{grid-template-columns:1fr 1fr}.bf.span{grid-column:1/-1}}
.bf{display:grid;gap:6px;margin-bottom:12px}
.bf label,.bf .lbl{font-weight:600;font-size:.95rem}
.bf input,.bf select,.bf textarea{font:inherit;padding:11px 12px;border:1.5px solid #9EA9B2;border-radius:8px;background:#fff;color:var(--ink);min-height:46px;width:100%;max-width:100%}
.bf input:focus,.bf select:focus,.bf textarea:focus{border-color:var(--ink);outline:none;box-shadow:0 0 0 3px rgba(47,191,156,.45)}
.checks{display:grid;gap:8px}
@media (min-width:600px){.checks{grid-template-columns:1fr 1fr}}
.checks label{display:inline-flex;gap:8px;align-items:flex-start;font-weight:500;font-size:.95rem}
.checks input{width:20px;height:20px;flex:none;margin-top:1px}
.bcheck{display:flex;gap:10px;align-items:flex-start;margin:4px 0 14px;font-size:.95rem}
.bcheck input{width:22px;height:22px;flex:none;margin-top:2px}
.bcheck label{max-width:70ch}
.hp{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.form-msg{min-height:1.2em;font-weight:600}
.form-msg:empty{display:none}
.form-msg.err{color:var(--rot)}
.bside{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:22px 22px 24px}
@media (min-width:900px){.bside{position:sticky;top:16px}}
.bside h2{margin:0 0 10px;font-size:1.15rem}
.bside h2 + ol,.bside h2 + ul{margin-bottom:18px}
.bside ol{padding-left:20px;display:grid;gap:8px}
.bside p,.bside li{max-width:none}

/* Footer */
.site-footer{background:var(--ink);color:var(--paper);padding-block:46px 40px;font-size:.93rem}
.site-footer a{color:var(--paper)}
.footer-grid{display:grid;gap:28px}
@media (min-width:860px){.footer-grid{grid-template-columns:1.5fr 1fr 1fr}}
.footer-brand p{color:rgba(245,242,236,.78);max-width:48ch;margin-top:14px}
.footer-nav{display:grid;gap:8px}
.footer-nav a{text-decoration:none}
.footer-nav a:hover{text-decoration:underline}

/* Mobil */
@media (max-width:599px){
  .hero .actions .btn,.cta-grid .actions .btn,.page .actions .btn{flex:1 1 100%}
  .band{padding-block:44px}
  .section-lead{margin-bottom:26px}
  .cards li{padding:18px}
  .vsum{font-size:1.2rem}
}

/* Balken: Anteil Zinsen/Tilgung in der ersten Rate, Breiten setzt main.js (data-w) */
.bar{display:flex;height:14px;border-radius:7px;overflow:hidden;margin-top:18px;background:var(--paper-2)}
.bar span{display:block;height:100%}
.bar-zins{background:var(--ink)}
.bar-tilgung{background:var(--accent)}
.bar-legende{margin-top:8px;font-size:.9rem;color:var(--ink-2)}

/* Lange Quellenangaben im Fließtext dürfen die Zeile nicht sprengen */
.article-body,.page p,.page li{overflow-wrap:anywhere}
.article-body a,.page a{word-break:break-word}