/* =========================================================================
   Gewerbeversicherung24 – zentrales Stylesheet
   Basis: Variante 1 "Seriös-klassisch" (Navy/Gold), erweitert um moderne
   Komponenten (Tabellen, FAQ, Bewertungs-Widget, Multi-Step-Formular,
   mobile Navigation, Breadcrumbs).
   ========================================================================= */

:root{
  --navy:#0F2E5C;
  --navy-deep:#0A1F3F;
  --blue:#1E5AA8;
  --gold:#C9A227;
  --gold-deep:#A8841C;
  --ink:#1C2635;
  --muted:#5A6B82;
  --line:#D8E0EC;
  --bg:#F3F6FB;
  --white:#FFFFFF;
  --green:#1F8A57;
  --radius:10px;
  --radius-lg:14px;
  --shadow-md:0 12px 32px rgba(15,46,92,.10);
  --shadow-lg:0 24px 60px rgba(5,15,35,.35);
}

*{margin:0;padding:0;box-sizing:border-box}

/* -------- BUGFIX: sinnvolle Standardabstände (der globale Reset oben killt sonst
   JEDEN Abstand zwischen Überschrift/Absatz/Liste -> "Presswurst"-Effekt) -------- */
p{margin-bottom:16px}
p:last-child{margin-bottom:0}
ul,ol{margin-bottom:20px}
h2{margin-top:42px;margin-bottom:14px}
h3{margin-bottom:10px}
section h2:first-of-type,
.article-body > h2:first-child{margin-top:0}

html{scroll-behavior:smooth;overflow-x:clip;width:100%}
body{font-family:'Inter',sans-serif;color:var(--ink);background:var(--white);line-height:1.6;overflow-x:clip;width:100%}
h1,h2,h3{font-family:'Source Serif 4',serif;color:var(--navy);line-height:1.2}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
ul{list-style:none}

.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:0 0 8px 0}
.skip-link:focus{left:0}

:focus-visible{outline:2.5px solid var(--gold);outline-offset:2px}

/* ---------------- Topbar ---------------- */
.topbar{background:var(--navy-deep);color:#B9C7DC;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;padding-top:8px;padding-bottom:8px;gap:12px;flex-wrap:wrap}
.topbar strong{color:#fff;font-weight:600}
.topbar a{color:inherit}

/* ---------------- Header / Nav ---------------- */
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;gap:20px}
.logo{font-family:'Source Serif 4',serif;font-size:22px;font-weight:700;color:var(--navy)}
.logo span{color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:var(--navy-deep);font-weight:600;padding:11px 22px;border-radius:var(--radius);font-size:15px;border:none;cursor:pointer;transition:filter .15s,transform .1s;white-space:nowrap}
.btn:hover{filter:brightness(1.06)}
.btn:active{transform:translateY(1px)}
.btn-blue{background:var(--blue);color:#fff}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-lg{padding:14px 22px;font-size:16px;width:100%}
.btn-ghost{background:transparent;color:var(--muted);border:1.5px solid var(--line)}
.btn-block{display:block;width:100%;text-align:center}

/* ---------------- Breadcrumbs ---------------- */
.breadcrumbs{background:var(--bg);border-bottom:1px solid var(--line);font-size:13px}
.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:6px;padding:10px 0;color:var(--muted);line-height:1;list-style:none}
.breadcrumbs li:not(:last-child)::after{content:"/";margin-left:6px;color:var(--line)}
.breadcrumbs a:hover{color:var(--blue)}
.breadcrumbs [aria-current="page"]{color:var(--navy);font-weight:600}

/* ---------------- Hero ---------------- */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;padding:64px 0 80px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero .wrap > *{min-width:0}
.eyebrow{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:16px}
.hero h1{color:#fff;font-size:44px;margin-bottom:18px}
.hero p{color:#C6D2E4;font-size:18px;max-width:48ch;margin-bottom:28px}
.trust{display:flex;gap:28px;margin-top:30px;padding-top:22px;border-top:1px solid rgba(255,255,255,.15);flex-wrap:wrap}
.trust div strong{display:block;font-family:'Source Serif 4',serif;font-size:26px;color:var(--gold)}
.trust div span{font-size:13px;color:#9FB0C9}

.rating-widget{display:flex;flex-direction:column;gap:6px;margin-top:22px;font-size:13.5px;color:#C6D2E4}
.rating-row{display:flex;align-items:center;gap:12px}
.stars{color:var(--gold);font-size:18px;letter-spacing:2px}
.rating-text strong{color:#fff}
.rating-caption{font-size:12.5px;color:#9FB0C9}

/* ---------------- Formular-Karte (Multi-Step) ---------------- */
.form-card{background:var(--white);border-radius:var(--radius-lg);padding:32px;color:var(--ink);box-shadow:var(--shadow-lg);scroll-margin-top:100px}
.steps{display:flex;align-items:center;gap:0;margin-bottom:24px}
.step{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--muted);font-weight:500}
.step .dot{width:28px;height:28px;border-radius:50%;background:var(--bg);border:1.5px solid var(--line);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px;transition:.2s}
.step.active .dot{background:var(--navy);border-color:var(--navy);color:#fff}
.step.active{color:var(--navy)}
.step.is-done .dot{background:var(--green);border-color:var(--green);color:#fff}
.step-line{flex:1;height:1.5px;background:var(--line);margin:0 10px}

.form-card h3{font-size:21px;margin-bottom:18px}
.form-card .sub{font-size:14px;color:var(--muted);margin-bottom:20px}

.form-step{display:none}
.form-step.is-active{display:block;animation:fadein .25s ease}
@keyframes fadein{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}

.choices{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:22px}
.choice{position:relative;border:1.5px solid var(--line);border-radius:var(--radius);padding:16px 14px;font-size:14px;font-weight:500;cursor:pointer;text-align:center;transition:all .15s;background:var(--white);display:block}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice:hover{border-color:var(--blue);color:var(--blue)}
.choice:has(input:checked){border-color:var(--navy);background:#EEF3FB;color:var(--navy);font-weight:600}
.choice-check{text-align:left}

.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.field{margin-bottom:14px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px}
.field input,.field select{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--radius);font-size:14.5px;font-family:inherit;color:var(--ink);background:var(--white)}
.field input:focus,.field select:focus{border-color:var(--blue)}
.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--radius);font-size:14.5px;font-family:inherit;color:var(--ink);background:var(--white);resize:vertical}
.field textarea:focus{border-color:var(--blue)}

/* WICHTIG: Alle Formular-Feintexte (Hinweise, Fehlermeldungen, Consent)
   bekommen die Klasse ".form-card" vorangestellt, damit ihre Spezifitaet
   IMMER hoeher ist als kontextabhaengige Regeln wie ".hero p" oder
   ".cta-band p" - das Formular wird naemlich je nach Einbindungsort in
   ganz unterschiedlichen Sektionen eingebettet (Hero, normaler Textfluss,
   CTA-Band etc.), die jeweils eigene "p"-Grundstile mitbringen. Ohne dieses
   Praefix wuerde z.B. ".hero p{font-size:18px;color:#C6D2E4}" (Element+Klasse,
   Spezifitaet 0-1-1) eine einfache ".field-hint{...}"-Regel (Spezifitaet
   0-1-0) automatisch ueberstimmen, unabhaengig von der Reihenfolge im
   Stylesheet. */
.form-card .field-hint{font-size:12.5px;color:var(--muted);line-height:1.5;margin:-4px 0 12px;max-width:none}
.form-card .field-hint strong{color:var(--ink)}

.form-card .trust-box{display:flex;flex-direction:column;gap:6px;background:#F3F8F1;border:1px solid #D7EAD1;border-radius:var(--radius);padding:14px 16px;margin:16px 0}

.form-card .info-box{background:#F0F3F8;border:1px solid #DDE4EE;border-radius:var(--radius);padding:14px 16px;margin-bottom:18px}
.form-card .info-box p{font-size:13px;color:var(--muted);line-height:1.6;margin:0;max-width:none}
.form-card .trust-item{font-size:13px;color:var(--ink);font-weight:500}

/* Inline-Fehleranzeige je Feld: zeigt ALLE ungueltigen Felder eines
   Schritts gleichzeitig an (statt der Browser-Standard-Validierung,
   die immer nur eine Sprechblase fuer das erste ungueltige Feld
   zeigt und alle anderen Fehler verschweigt). */
.field.has-error input,.field.has-error select,.field.has-error textarea{border-color:#DC2626;background:#FEF2F2}
.form-card .field-error-text{display:none;color:#DC2626;font-size:12px;margin-top:5px;font-weight:600;line-height:1.4;max-width:none}
.field.has-error .field-error-text{display:block}
.choices.has-error{outline:1.5px solid #DC2626;outline-offset:6px;border-radius:var(--radius)}
.consent.has-error{color:#DC2626}

.form-card .consent{display:flex;gap:10px;font-size:12.5px;color:var(--muted);align-items:flex-start;margin:10px 0 16px;line-height:1.5;max-width:none}
.form-card .consent input{margin-top:2px;flex-shrink:0;width:16px;height:16px}
.form-card .consent a{color:var(--blue);font-weight:600}

/* Weiter-Button IMMER ueber dem Zurueck-Button, auf allen Bildschirmgroessen.
   Vorher: row-Layout mit flex-wrap:wrap - das brach bei zu wenig Platz
   (auch auf Desktop, je nach Fensterbreite und Button-Textlaenge) in der
   Quellcode-Reihenfolge um (Zurueck zuerst -> Zurueck oben, Weiter unten).
   Jetzt: bewusst immer gestapelt, damit die Reihenfolge nie vom Zufall der
   verfuegbaren Breite abhaengt. */
.step-actions{display:flex;flex-direction:column-reverse;gap:10px}
.step-actions .btn-ghost,.step-actions .btn-blue,.step-actions .btn-gold{width:100%;flex:none}

.hp-field{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

.form-card .btn{width:100%}
.secure{font-size:12px;color:var(--muted);text-align:center;margin-top:14px}

/* ---------------- Rubriken / Topics ---------------- */
section{padding:76px 0}
.sec-head{max-width:640px;margin-bottom:44px}
.sec-head h2{font-size:32px;margin-bottom:12px;margin-top:0}
.sec-head p{color:var(--muted);font-size:17px}

/* Schutz gegen abgeschnittene lange deutsche Komposita (z.B.
   "Gewerbeversicherungen", "Vermögensschadenhaftpflicht") in
   Ueberschriften: erlaubt einen Umbruch als letzte Rettung, statt dass
   der Text bei schmalen/mittleren Bildschirmbreiten ueber den Rand
   hinauslaeuft. Bewusst OHNE hyphens:auto - automatische Silbentrennung
   erzeugt haeufig haessliche, willkuerlich wirkende Wortbrueche (z.B.
   "si-chern" statt eines Umbruchs an einer Wortgrenze). */
h1,h2,h3,h4{overflow-wrap:break-word;word-break:normal}

/* CSS-Grid-Kindelemente (Karten in Grids) bekommen ansonsten per
   Grid-Standardverhalten eine implizite Mindestbreite in Hoehe des
   laengsten nicht umbrechbaren Wortinhalts (min-width:auto) - das kann
   bei mittleren Bildschirmbreiten (Tablet-Bereich zwischen den
   definierten Breakpoints) dazu fuehren, dass Karteninhalte ueber den
   Rand hinauslaufen statt sich der Spaltenbreite anzupassen. */
.grid5>*,.numbered-grid>*,.provider-grid>*,.example-grid>*,.grid3-why>*,.check-grid-2>*{min-width:0}

.grid5{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:all .18s;background:var(--white)}
.card:hover{border-color:var(--navy);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.card .tag{display:inline-block;font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:600;color:var(--blue);background:#EAF1FA;padding:4px 10px;border-radius:4px;margin-bottom:14px}
.card h3{font-size:20px;margin-bottom:8px}
.card p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.card a{color:var(--blue);font-weight:600;font-size:14px}
.card a::after{content:" →"}
.card-highlight{background:var(--bg);display:flex;flex-direction:column;justify-content:center}
.card-highlight h3{font-size:18px}

/* ---------------- Vergleichstabelle ---------------- */
.compare{background:var(--bg)}
.table-scroll{overflow-x:auto;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);background:var(--white)}
.compare-table{width:100%;border-collapse:collapse;min-width:720px}
.compare-table th,.compare-table td{text-align:left;padding:16px 18px;font-size:14.5px;border-bottom:1px solid var(--line)}
.compare-table thead th{background:var(--navy);color:#fff;font-weight:600;font-family:'Source Serif 4',serif;font-size:15px}
.compare-table tbody tr:last-child td{border-bottom:none}
.compare-table tbody tr:hover{background:#F7FAFF}
.compare-table td a{color:var(--navy);font-weight:700}
.compare-table td a:hover{color:var(--blue)}

/* Positive Leistungsstärken-Liste (statt Pro/Contra-Tabelle) */
.strengths-panel{background:var(--bg);border:1px solid var(--line);border-top:3px solid #1F8A57;border-radius:var(--radius-lg);padding:26px 28px;margin:20px 0 28px}
.strengths-panel ul{list-style:none;margin:0;padding:0}
.strengths-panel li{display:flex;gap:12px;align-items:flex-start;padding:11px 0;font-size:15px;color:var(--ink);border-bottom:1px solid rgba(15,46,92,.08);line-height:1.5}
.strengths-panel li:last-child{border-bottom:none}
.strengths-panel li::before{content:"✓";color:#1F8A57;font-weight:800;flex:0 0 auto;font-size:16px;line-height:1.5}

/* Anbieter-Übersichtsseite: klickbare Karten */
.provider-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}
.provider-card{display:block;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px;text-decoration:none;transition:.15s}
.provider-card:hover{border-color:var(--navy);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.provider-card h3{font-size:17px;color:var(--navy);margin:0 0 6px}
.provider-card p{font-size:13.5px;color:var(--muted);line-height:1.5;margin:0}
.provider-card .arrow{display:inline-block;margin-top:10px;font-size:13px;font-weight:700;color:var(--blue)}
@media(max-width:900px){.provider-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.provider-grid{grid-template-columns:1fr}}
.table-note{font-size:12.5px;color:var(--muted);margin-top:14px}

/* ---------------- Anbieter ---------------- */
.logos{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.logo-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px 16px;text-align:center;transition:.15s}
.logo-card:hover{border-color:var(--navy);box-shadow:var(--shadow-md)}
.logo-card .name{font-family:'Source Serif 4',serif;font-size:19px;font-weight:700;color:var(--navy);margin-bottom:4px}
.logo-card span{font-size:12.5px;color:var(--muted);display:block;margin-bottom:12px}
.logo-card a{display:inline-block;font-size:13px;font-weight:600;color:var(--blue)}

/* ---------------- Warum-wir ---------------- */
.grid3-why{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.why-num{font-family:'Source Serif 4',serif;font-size:34px;color:var(--gold);margin-bottom:10px}
.why-item h3{font-size:19px;margin-bottom:8px}
.why-item p{color:var(--muted);font-size:14.5px}

/* ---------------- FAQ ---------------- */
.faq-list{display:flex;flex-direction:column;gap:12px;max-width:820px}
.faq-item{border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;background:var(--white)}
.faq-item summary{cursor:pointer;font-weight:600;color:var(--navy);font-size:15.5px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:22px;color:var(--gold);font-weight:400;flex:0 0 auto}
.faq-item[open] summary::after{content:"–"}
.faq-item p{margin-top:12px;color:var(--muted);font-size:14.5px;line-height:1.65}

/* ---------------- CTA-Band ---------------- */
.pre-footer-cta{padding-top:0}
.cta-band{background:var(--navy);color:#fff;text-align:center;border-radius:var(--radius-lg);padding:56px 40px}
.cta-band h2{color:#fff;font-size:30px;margin-bottom:10px;margin-top:0}
.cta-band p{color:#C6D2E4;margin-bottom:26px}

/* ---------------- Footer ---------------- */
footer{background:var(--navy-deep);color:#8FA1BC;padding:52px 0 24px;font-size:13.5px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-bottom:32px}
.footer-col h3{color:#fff;font-family:'Inter',sans-serif;font-size:14px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px}
.footer-col ul{display:flex;flex-direction:column;gap:9px}
.footer-col a:hover{color:#fff}
.footer-brand .logo{color:#fff;margin-bottom:12px}
.footer-brand .logo span{color:var(--gold)}
.footer-brand p{color:#8FA1BC;margin-bottom:10px}
.footer-contact a{color:#C6D2E4}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08)}

/* =========================================================================
   RATGEBER-/ANBIETERSEITEN: erweiterte Komponentenbibliothek
   (Eyebrow mit Punkt-Trenner, Badge-Pills, Fakten-Box, Inhaltsverzeichnis,
   nummerierte Feature-Karten, Häkchen-Checklisten, Farb-Callouts,
   Beispiel-Karten mit Tag)
   ========================================================================= */

.article-hero{padding:48px 0 8px;}
.article-eyebrow{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-bottom:14px;display:flex;align-items:center;gap:8px}
.article-eyebrow .dot{width:4px;height:4px;border-radius:50%;background:var(--gold-deep);display:inline-block}
.article-hero h1{font-size:36px;margin-bottom:16px;max-width:22ch}
.article-hero .lead{font-size:17px;color:var(--muted);max-width:62ch;margin-bottom:22px}

.article-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start;margin-bottom:8px}
.article-grid > *{min-width:0}

/* Badge-Pills */
.badge-row{display:flex;flex-wrap:wrap;gap:10px;margin:6px 0 4px}
.badge-pill{display:inline-flex;align-items:center;gap:6px;background:#EAF7EE;color:#1B7A4D;border:1px solid #C9EAD5;padding:8px 15px;border-radius:999px;font-size:13.5px;font-weight:600;white-space:nowrap}
.badge-pill.gold{background:#FBF1DC;color:var(--gold-deep);border-color:#F0DFB2}

/* Dunkle Fakten-Box */
.fact-box{background:var(--navy-deep);color:#fff;border-radius:var(--radius-lg);padding:26px 28px;box-shadow:var(--shadow-md)}
.fact-box h3{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;font-family:'Inter',sans-serif;margin-bottom:6px;color:#9FB0C9}
.fact-row{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:14px}
.fact-row:first-of-type{padding-top:2px}
.fact-row:last-child{border-bottom:none}
.fact-label{color:#9FB0C9}
.fact-value{color:#fff;font-weight:700;text-align:right}

/* Inhaltsverzeichnis */
.toc-box{border:1.5px solid var(--line);border-radius:var(--radius-lg);background:var(--bg);padding:26px 28px;margin:8px 0 12px}
.toc-box h2{font-size:17px;margin-bottom:16px;font-family:'Inter',sans-serif;text-transform:uppercase;letter-spacing:.05em;color:var(--navy);font-weight:700}
.toc-list{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:9px 30px;margin:0;padding:0}
.toc-list li{display:flex;gap:11px;align-items:flex-start}
.toc-num{flex:0 0 auto;width:23px;height:23px;border-radius:50%;background:var(--navy);color:#fff;font-size:11.5px;font-weight:700;display:flex;align-items:center;justify-content:center;margin-top:1px}
.toc-list a{color:var(--ink);font-weight:500;font-size:14px}
.toc-list a:hover{color:var(--blue)}

/* Nummerierte Feature-/Baustein-Karten */
.numbered-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:24px 0}
.numbered-grid.cols-2{grid-template-columns:repeat(2,1fr)}
.numbered-card{border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px;background:var(--white);transition:.15s}
.numbered-card:hover{border-color:var(--navy);box-shadow:var(--shadow-md)}
.numbered-card .num-badge{width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--navy-deep);font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.numbered-card h3{font-size:16.5px;margin-bottom:8px;line-height:1.3}
.numbered-card p{font-size:13.5px;color:var(--muted);line-height:1.55}

/* Häkchen-Checklisten */
.check-list{list-style:none;margin:0 0 8px;padding:0}
.check-list li{display:flex;gap:11px;align-items:flex-start;padding:10px 0;font-size:15px;color:var(--ink);border-bottom:1px solid var(--line);line-height:1.5}
.check-list li:last-child{border-bottom:none}
.check-list li::before{content:"✓";color:#1F8A57;font-weight:800;flex:0 0 auto;font-size:15px;line-height:1.5;margin-top:1px}
.check-list li > span{display:block}
.check-desc{display:block;color:var(--muted);font-size:13.5px;margin-top:3px;line-height:1.5}
.check-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:0 34px}
.check-grid-2 .check-list{margin-bottom:0}

/* Feature-Panel: dekorativer Rahmen um Leistungs-/Produkt-Checklisten */
.feature-panel{background:var(--bg);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:var(--radius-lg);padding:26px 28px 14px;margin:20px 0 28px;box-shadow:var(--shadow-md)}
.feature-panel .check-grid-2{padding:0}
.feature-panel .check-list li{border-bottom-color:rgba(15,46,92,.08)}
@media(max-width:640px){
  .feature-panel{padding:20px 18px 8px}
}

/* Farb-Callouts */
.callout{border-radius:var(--radius);padding:20px 24px;margin:22px 0}
.callout h4{font-size:14.5px;margin-bottom:8px;font-family:'Inter',sans-serif}
.callout p{font-size:14px;margin:0;line-height:1.6}
.callout-green{background:#EEF9F1;border:1px solid #CDEAD6}
.callout-green h4{color:#1B7A4D}
.callout-green p{color:#2A5940}
.callout-cream{background:#FBF3E7;border-left:4px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0}
.callout-cream h4{color:var(--gold-deep)}
.callout-cream p{color:#5A4A2A}
.callout-fazit{background:var(--bg);border:2px solid var(--gold);border-radius:var(--radius-lg);padding:26px 28px}
.callout-fazit h4{color:var(--navy);font-size:17px;font-family:'Source Serif 4',serif}
.callout-fazit p{color:var(--ink);font-size:15px}

/* Beispiel-Karten mit Tag */
.example-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0}
.example-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.example-tag{display:inline-block;background:#F4DCC8;color:#A8461D;font-size:10.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:4px;margin-bottom:11px}
.example-card h3{font-size:15px;margin-bottom:7px;line-height:1.3}
.example-card p{font-size:13.5px;color:var(--muted);line-height:1.55}

/* Sektions-Zwischenraum für Ankerlinks (Header ist sticky) */
.article-body h2{scroll-margin-top:110px;margin-top:44px}
.article-body h2:first-child{margin-top:0}

@media(max-width:900px){
  .article-grid{grid-template-columns:1fr}
  .numbered-grid{grid-template-columns:1fr 1fr}
  .example-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .toc-list{grid-template-columns:1fr}
  .numbered-grid{grid-template-columns:1fr}
  .example-grid{grid-template-columns:1fr}
  .check-grid-2{grid-template-columns:1fr}
  .fact-row{flex-direction:column;gap:2px}
  .fact-value{text-align:left}
  .article-hero h1{font-size:27px}
  .article-hero .lead{font-size:15.5px}
  .badge-pill{font-size:12.5px;padding:7px 12px}
  .fact-box{padding:20px 20px}
  .toc-box{padding:20px 20px}
  .numbered-card,.example-card{padding:18px 16px}
  .callout{padding:16px 18px}
  h2{margin-top:32px;font-size:22px}
}

/* ---------------- Danke-Seite ---------------- */
.thank-you{padding:90px 0}
.thank-you-box{max-width:620px;text-align:center}
.thank-you-icon{width:64px;height:64px;border-radius:50%;background:var(--green);color:#fff;font-size:30px;display:flex;align-items:center;justify-content:center;margin:0 auto 22px}
.thank-you h1{font-size:30px;margin-bottom:14px}
.thank-you p{color:var(--muted);margin-bottom:20px;font-size:16px}
.thank-you-steps{display:flex;justify-content:center;gap:24px;margin:28px 0;flex-wrap:wrap}
.ty-step{font-size:13px;color:var(--muted);display:flex;flex-direction:column;align-items:center;gap:8px}
.ty-step span{width:32px;height:32px;border-radius:50%;background:var(--bg);border:1.5px solid var(--line);display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--navy)}
.ty-step.is-open span{background:var(--gold);border-color:var(--gold);color:var(--navy-deep)}

/* ---------------- Responsive ---------------- */
@media(max-width:980px){
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:900px){
  .hero .wrap{grid-template-columns:1fr}
  .grid5{grid-template-columns:1fr 1fr}
  .grid3-why{grid-template-columns:1fr}
  .logos{grid-template-columns:repeat(2,1fr)}
  .hero h1{font-size:32px}

  .nav{padding:14px 20px;gap:12px}
  .logo{font-size:19px}
  .nav-cta{padding:8px 12px;font-size:13px}
}

@media(max-width:400px){
  .nav{padding:12px 16px;gap:8px}
  .logo{font-size:17px}
  .nav-cta{padding:7px 10px;font-size:12px}
}

@media(max-width:640px){
  .footer-grid{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .choices{grid-template-columns:1fr}
  section{padding:56px 0}
  .form-card{padding:24px}

  /* Versicherungsarten-Karten (Gewerbeversicherung, Berufshaftpflicht
     usw.): auf Mobile lieber 1 statt 2 Spalten, da die zwangsweise
     schmalen Karten sonst mehrfache haessliche Zeilenumbrueche bei den
     langen deutschen Komposita erzwingen. Bei 2 Spalten bleibt schlicht
     nicht genug Breite pro Karte. */
  .grid5{grid-template-columns:1fr}

  /* Schritt-Anzeige (1 Unternehmen — 2 Bedarf — 3 Kontakt — 4 Anschrift):
     Labels ausblenden, nur Nummern-Kreise + Verbindungslinien zeigen,
     damit die Zeile auf schmalen Screens nie in der Breite ueberläuft. */
  .steps{gap:0;margin-bottom:14px}
  .step .step-label{display:none}
  .step .dot{width:22px;height:22px;font-size:11px}
  .step-line{margin:0 3px}

  /* Feste Kopfzeile jedes Schritts kompakter, damit auf kleinen
     Bildschirmen mehr Platz fuer die eigentlichen Felder bleibt und
     kein Scrollen noetig ist, um den "Weiter"-Button zu sehen. */
  .form-card h3{font-size:18px;margin-bottom:14px}
  .form-card .sub{font-size:12.5px;margin-bottom:14px}
  .field{margin-bottom:10px}
  .field label{margin-bottom:4px;font-size:12.5px}
  .form-card .field-hint{margin:-2px 0 10px;font-size:11.5px}
}

/* Modal auf Mobile nutzt bereits die volle Bildschirmhoehe (siehe
   .lead-modal{height:100%} weiter unten) - hier zusaetzlich dafuer
   sorgen, dass davon auch wirklich alles fuer Formularinhalt zur
   Verfuegung steht statt fuer Rand-Polster. */
@media(max-width:640px){
  .lead-modal .form-card{padding:16px 16px 12px}
}

/* =====================================================================
 * LEAD-FORMULAR ALS POPUP (distraction-free Modal)
 * ===================================================================== */
.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}

.lead-form-trigger{display:inline-block;cursor:pointer;border:none;width:auto;justify-self:start}

/* Schuetzt ALLE Absaetze im Formular-Popup (Hinweise, Fehlermeldungen,
   Danke-Screen) davor, dass eine zeichenbreiten-Begrenzung wie
   ".hero p{max-width:48ch}" aus der umgebenden Sektion durchschlaegt,
   da das Popup je nach Einbindungsort strukturell ein Nachfahre ganz
   unterschiedlicher Sektionen sein kann. */
.lead-modal p{max-width:none}

.lead-modal-overlay{
  position:fixed;inset:0;z-index:9999;
  background:rgba(15,23,42,.72);
  display:flex;align-items:center;justify-content:center;
  padding:20px;overflow-y:auto;overflow-x:hidden;
}
.lead-modal-overlay[hidden]{display:none}

.lead-modal{
  position:relative;
  background:var(--white);
  border-radius:var(--radius-lg);
  max-width:640px;width:100%;
  max-height:90vh;overflow-y:auto;overflow-x:hidden;
  padding:8px;
  box-shadow:var(--shadow-lg);
}

.lead-modal .form-card{box-shadow:none;padding:24px;overflow-x:hidden;max-width:100%}

.lead-modal-close{
  position:absolute;top:10px;right:14px;z-index:2;
  background:none;border:none;
  font-size:30px;line-height:1;
  color:var(--muted);cursor:pointer;
  padding:4px 8px;border-radius:8px;
}
.lead-modal-close:hover{color:var(--ink);background:rgba(0,0,0,.05)}

html.lead-modal-locked{overflow:hidden}

.form-error{
  background:#fef2f2;border:1px solid #fecaca;color:#b91c1c;
  border-radius:10px;padding:12px 16px;margin-bottom:16px;font-size:14px;
}

.thank-you-modal{padding:8px}
.thank-you-modal[hidden]{display:none}
.thank-you-modal .thank-you-box{max-width:100%;text-align:center;padding:24px 8px}

@media(max-width:640px){
  .lead-modal-overlay{padding:0}
  .lead-modal{
    max-width:100%;width:100%;height:100%;max-height:100%;
    border-radius:0;
    display:flex;flex-direction:column;
  }
  .lead-modal .form-card{padding:20px;flex:1}
  .thank-you-modal:not([hidden]){flex:1;display:flex;align-items:center;justify-content:center}
  .lead-modal-close{top:8px;right:10px;font-size:32px;padding:6px 10px}
}