:root{
  --navy:#023047;
  --navy-700:#01405f;
  --yellow:#FFB703;
  --grey:#ADADAD;
  --ink:#0d1b24;
  --muted:#5a6b76;
  --bg:#ffffff;
  --bg-soft:#f4f7f9;
  --line:#e2e8ec;
  --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.65 "Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;
  -webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3.25rem)}
h2{font-size:clamp(1.6rem,3.4vw,2.35rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:88px 0}
.section--soft{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--navy);background:rgba(255,183,3,.22);
  padding:.4em .9em;border-radius:99px;margin-bottom:1rem}
.lead{font-size:1.12rem;color:var(--muted);max-width:62ch}

/* Header */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;
  max-width:var(--maxw);margin:0 auto;padding:14px 24px}
.logo img{height:52px;width:auto}
.nav{display:flex;align-items:center;gap:28px}
.nav a{font-weight:600;font-size:.95rem;color:var(--navy);padding:6px 0;
  border-bottom:2px solid transparent}
.nav a:hover{border-bottom-color:var(--yellow)}
.nav a.btn{padding:.7em 1.5em;border-bottom:0}
.nav a.btn:hover{border-bottom:0}
.nav__toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.nav__toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:5px 0}

/* Buttons */
.btn{display:inline-block;font-weight:700;padding:.85em 1.6em;border-radius:8px;
  border:2px solid transparent;transition:transform .12s ease, box-shadow .12s ease}
.btn:hover{transform:translateY(-1px)}
.btn--primary{background:var(--yellow);color:var(--navy);
  box-shadow:0 6px 18px rgba(255,183,3,.35)}
.btn--ghost{border-color:var(--navy);color:var(--navy)}
.btn--light{background:var(--yellow);color:var(--navy)}
.btn--outline-light{border-color:rgba(255,255,255,.6);color:#fff}

/* Hero */
.hero{position:relative;overflow:hidden;color:#fff;padding:104px 0 112px;
  background:
    radial-gradient(900px 520px at 78% 8%, rgba(255,183,3,.20), transparent 60%),
    radial-gradient(700px 500px at 8% 92%, rgba(0,140,190,.22), transparent 62%),
    linear-gradient(155deg,#023047 0%,#01293d 55%,#011c2a 100%)}
.hero__grid{position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(120% 90% at 50% 0%,#000 25%,transparent 75%);
          mask-image:radial-gradient(120% 90% at 50% 0%,#000 25%,transparent 75%)}
.hero__inner{position:relative;z-index:1;display:grid;gap:56px;
  grid-template-columns:1.15fr .85fr;align-items:center}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.2vw,3.9rem);letter-spacing:-.025em;
  margin-bottom:.45em}
.hero h1 .hl{color:var(--yellow)}
.hero p{color:rgba(255,255,255,.82);font-size:1.12rem;max-width:46ch;margin-bottom:0}
.hero .eyebrow{background:rgba(255,183,3,.16);color:var(--yellow)}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.btn--phone{display:inline-flex;align-items:center;gap:10px}
.btn--phone svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:1.8;
  stroke-linecap:round;stroke-linejoin:round}
.hero__trust{list-style:none;display:flex;flex-wrap:wrap;gap:12px 26px;
  margin:36px 0 0;padding:0;font-size:.92rem;color:rgba(255,255,255,.7)}
.hero__trust li{display:flex;align-items:center;gap:8px}
.hero__trust li::before{content:"";width:7px;height:7px;border-radius:50%;
  background:var(--yellow);flex:none}

.hero__panel{background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.14);
  border-radius:16px;padding:26px 28px;backdrop-filter:blur(6px)}
.hero__panel-label{display:block;font-size:.74rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:6px}
.hero__phone{display:flex;align-items:center;gap:12px;color:#fff;font-size:1.55rem;
  font-weight:800;letter-spacing:-.02em;margin:4px 0 22px;transition:color .15s ease}
.hero__phone:hover{color:var(--yellow)}
.hero__phone svg{width:24px;height:24px;stroke:var(--yellow);fill:none;stroke-width:1.8;
  stroke-linecap:round;stroke-linejoin:round;flex:none}
.hero__meta{margin:0;padding:22px 0 0;border-top:1px solid rgba(255,255,255,.12)}
.hero__meta div+div{margin-top:16px}
.hero__meta dt{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:rgba(255,255,255,.45);margin-bottom:3px}
.hero__meta dd{margin:0;color:rgba(255,255,255,.9);font-weight:600}
.hero__meta dd a{color:rgba(255,255,255,.9)}
.hero__meta dd a:hover{color:var(--yellow)}
.hero__panel-cta{display:block;margin-top:24px;padding-top:18px;
  border-top:1px solid rgba(255,255,255,.12);font-size:.9rem;font-weight:600;
  color:rgba(255,255,255,.6)}
.hero__panel-cta:hover{color:var(--yellow)}
@media (max-width:900px){
  .hero{padding:72px 0 80px}
  .hero__inner{grid-template-columns:1fr;gap:40px}
  .hero p{max-width:none}
}

/* Cards */
.grid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
/* Leistungen: fest 2x2, damit nie eine einzelne Karte in der zweiten Reihe steht */
.grid--services{grid-template-columns:repeat(2,1fr);margin-top:40px}
@media (max-width:720px){.grid--services{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px 34px;
  display:flex;flex-direction:column;
  position:relative;transition:box-shadow .18s ease,transform .18s ease}
.card:hover{box-shadow:0 14px 34px rgba(2,48,71,.10);transform:translateY(-3px)}
.card__num{position:absolute;top:24px;right:26px;font-weight:800;font-size:2.4rem;
  color:rgba(2,48,71,.08);line-height:1}
.card__icon{width:46px;height:46px;border-radius:10px;background:rgba(255,183,3,.18);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card__icon svg{width:24px;height:24px;stroke:var(--navy);fill:none;stroke-width:1.8;
  stroke-linecap:round;stroke-linejoin:round}
.card p{color:var(--muted);margin-bottom:14px}
.card ul{margin:0;padding-left:1.1em;color:var(--muted);font-size:.95rem}
.card li{margin-bottom:.35em}
.disclaimer{margin:48px 0 0;padding:20px 24px;border-left:3px solid var(--yellow);
  background:var(--bg-soft);border-radius:0 10px 10px 0;font-size:.92rem;
  color:var(--muted);max-width:78ch}
.disclaimer strong{color:var(--navy)}
.card__note{margin:18px 0 0;margin-top:auto;padding-top:14px;border-top:1px solid var(--line);
  font-size:.88rem;color:var(--muted)}

/* Ablauf */
.steps{counter-reset:s;display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));margin-top:40px}
.step{counter-increment:s;padding-top:18px;border-top:3px solid var(--yellow)}
.step::before{content:"0" counter(s);font-weight:800;color:var(--grey);font-size:.9rem;
  letter-spacing:.1em;display:block;margin-bottom:.4em}
.step h3{margin-bottom:.3em}
.step p{color:var(--muted);font-size:.95rem;margin:0}

/* Über / Vorteile */
.split{display:grid;gap:56px;grid-template-columns:1.1fr .9fr;align-items:center}
.checks{list-style:none;margin:0;padding:0}
.checks li{position:relative;padding-left:34px;margin-bottom:14px;color:var(--muted)}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;
  border-radius:50%;background:var(--yellow)}
.checks li::after{content:"";position:absolute;left:6px;top:9px;width:8px;height:4px;
  border-left:2px solid var(--navy);border-bottom:2px solid var(--navy);
  transform:rotate(-45deg)}
.checks strong{color:var(--ink)}

/* CTA */
.cta{background:var(--navy);color:#fff;text-align:center;padding:80px 0}
.cta h2{color:#fff}
.cta p{color:rgba(255,255,255,.82);max-width:56ch;margin:0 auto 28px}
.cta__actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}

/* Kontakt */
.contact{display:grid;gap:48px;grid-template-columns:1fr 1fr}
.contact__list{list-style:none;margin:0;padding:0}
.contact__list li{display:flex;gap:14px;margin-bottom:22px}
.contact__list svg{width:22px;height:22px;stroke:var(--navy);fill:none;stroke-width:1.8;
  stroke-linecap:round;stroke-linejoin:round;flex:none;margin-top:3px}
.contact__list span{display:block;font-size:.85rem;color:var(--grey);
  text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.form{background:var(--bg-soft);border:1px solid var(--line);border-radius:14px;padding:28px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.88rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:.75em .9em;border:1px solid var(--line);
  border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--yellow);
  outline-offset:1px;border-color:var(--yellow)}
.field textarea{min-height:120px;resize:vertical}
.form small{display:block;color:var(--muted);font-size:.82rem;margin-top:12px}
.form .btn{width:100%;text-align:center;border:0;cursor:pointer;font-size:1rem}

/* Footer */
.footer{background:#011f2e;color:rgba(255,255,255,.7);padding:52px 0 28px;font-size:.92rem}
.footer a{color:rgba(255,255,255,.7)}
.footer a:hover{color:var(--yellow)}
.footer__grid{display:grid;gap:32px;grid-template-columns:1.4fr 1fr 1fr}
.footer h4{color:#fff;font-size:.95rem;margin:0 0 12px}
.footer ul{list-style:none;margin:0;padding:0}
.footer li{margin-bottom:8px}
.footer__logo{height:56px;width:auto;margin-bottom:16px;filter:brightness(0) invert(1);opacity:.9}
.footer__bottom{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);
  display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between;font-size:.85rem}
.todo{color:var(--yellow)}
.wrap--narrow{max-width:760px}
.legal-page h1{margin-bottom:.6em}
.legal-page h2{font-size:1.25rem;margin-top:2em}
.legal-page p{color:var(--muted);max-width:68ch}
.backlink{display:inline-block;font-weight:700;font-size:.9rem;margin-bottom:1.5rem;
  color:var(--muted)}
.backlink:hover{color:var(--navy)}
.legal{background:#011f2e;color:rgba(255,255,255,.55);font-size:.82rem;line-height:1.7;
  padding:0 0 40px}
.legal__grid{display:grid;gap:32px;grid-template-columns:1fr 1fr;
  padding-top:32px;border-top:1px solid rgba(255,255,255,.12)}
.legal h4{color:rgba(255,255,255,.85);font-size:.85rem;letter-spacing:.08em;
  text-transform:uppercase;margin:0 0 10px}
.legal p{margin:0 0 .8em}
.legal a{color:rgba(255,255,255,.55);text-decoration:underline}
.legal a:hover{color:var(--yellow)}
@media (max-width:860px){.legal__grid{grid-template-columns:1fr}}

@media (max-width:860px){
  .split,.contact,.footer__grid{grid-template-columns:1fr;gap:32px}
  .section{padding:64px 0}
  .nav{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;display:none}
  .nav.is-open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
  .nav .btn{margin-top:12px;text-align:center;border-bottom:0}
  .nav__toggle{display:block}
  .header__inner{position:relative}
}