:root{
  --ground:#F6F3EC;
  --paper:#FFFDF8;
  --band:#E7EBE3;
  --ink:#1F2A24;
  --text:#3A443E;
  --muted:#59625C;
  --line:#DCD6C9;
  --accent:#2F5A46;
  --accent-dark:#234536;
  --label:#5B5446;
  --note:#F3EAD8;
  --note-ink:#4A3D22;
  --dark:#1F2A24;
  --dark-text:#C9D0CB;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:"Segoe UI","Helvetica Neue",system-ui,-apple-system,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6}
a{color:var(--accent)}a:hover{color:var(--accent-dark)}
h1,h2,h3{font-family:var(--serif);font-weight:400;margin:0;line-height:1.12;letter-spacing:-0.01em;color:var(--ink)}
p{margin:0}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.label{font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--label)}

.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 28px;border-radius:999px;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;font-size:17px;border:0;cursor:pointer;font-family:var(--sans)}
.btn:hover{background:var(--accent-dark);color:#fff}
.btn-small{min-height:44px;padding:0 20px;font-size:15px}
.btn-link{min-height:52px;display:inline-flex;align-items:center;padding:0 12px;font-weight:600}

/* Kopf */
.top{border-bottom:1px solid var(--line);background:var(--ground)}
.top .wrap{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;padding-top:18px;padding-bottom:18px}
.brand{display:flex;flex-direction:column;text-decoration:none;color:var(--ink)}
.brand b{font-family:var(--serif);font-weight:400;font-size:24px}
.brand span{font-size:14px;color:var(--muted)}

/* Hero */
.hero{display:flex;flex-wrap:wrap;gap:56px;align-items:center;padding-top:88px;padding-bottom:88px}
.hero-text{flex:999 1 520px;min-width:0;display:flex;flex-direction:column;gap:24px}
.hero h1{font-size:clamp(42px,6.2vw,76px)}
.lead{font-size:20px;color:var(--text);max-width:580px}
.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.card{flex:1 1 320px;min-width:0;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:32px;display:flex;flex-direction:column;gap:22px}
.check{display:flex;gap:14px;align-items:flex-start}
.check svg{flex:0 0 24px;margin-top:3px}
.check small{display:block;color:var(--muted);font-size:15px}

/* Abschnitte */
.band{background:var(--band)}
.paper{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section{padding-top:80px;padding-bottom:80px;display:flex;flex-direction:column;gap:40px}
.head{display:flex;flex-direction:column;gap:14px}
.section h2{font-size:clamp(32px,4.4vw,48px)}
.row{display:flex;flex-wrap:wrap;gap:28px}
.tile{flex:1 1 280px;min-width:0;border-top:1px solid var(--line);padding-top:24px;display:flex;flex-direction:column;gap:10px}
.tile h3{font-size:26px}
.tile p,.step p{color:var(--text);font-size:16px}
.step{flex:1 1 220px;min-width:0;border-top:1px solid var(--line);padding-top:24px;display:flex;flex-direction:column;gap:12px}
.step .n{font-size:13px;color:var(--label);letter-spacing:.08em}
.step h3{font-size:28px}
.hint{padding:16px 18px;background:var(--note);border-radius:6px;font-size:16px;color:var(--note-ink)}

/* Versicherer */
.dark{background:var(--dark);color:var(--ground)}
.dark .section{padding-top:72px;padding-bottom:72px;gap:24px}
.dark h2{color:var(--ground);font-size:clamp(28px,3.6vw,38px)}
.dark .label{color:#B9C2BC}
.chips{display:flex;flex-wrap:wrap;gap:12px}
.chips span{padding:10px 18px;border:1px solid #5E6B63;border-radius:999px;font-weight:600;font-size:16px}
.dark p{color:var(--dark-text);max-width:680px}

/* Formular */
.form-area{display:flex;flex-wrap:wrap;gap:56px;padding-top:88px;padding-bottom:88px}
.form-intro{flex:1 1 300px;min-width:0;display:flex;flex-direction:column;gap:18px}
.form-intro h2{font-size:clamp(32px,4.4vw,48px)}
.form-intro p{color:var(--text)}
form{flex:999 1 520px;min-width:0;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:32px;display:flex;flex-direction:column;gap:20px}
.pair{display:flex;flex-wrap:wrap;gap:20px}
.pair>div{flex:1 1 200px;min-width:0}
label{font-weight:600;font-size:15px;display:block;margin-bottom:6px}
input[type=text],input[type=email],input[type=tel],input[type=date],select{width:100%;min-height:48px;padding:10px 14px;border:1.5px solid #BDB6A8;border-radius:6px;font:inherit;font-size:17px;background:#fff;color:var(--ink)}
input:focus,select:focus,summary:focus-visible{outline:3px solid #D9A441;outline-offset:1px}
.more{border:1px solid var(--line);border-radius:6px;background:var(--ground)}
.more>summary{cursor:pointer;min-height:56px;display:flex;align-items:center;gap:10px;padding:12px 18px;font-weight:600;list-style:none}
.more>summary::-webkit-details-marker{display:none}
.more>summary::before{content:"+";font-size:22px;line-height:1;color:var(--accent);width:18px}
.more[open]>summary::before{content:"–"}
.more>summary small{font-weight:400;color:var(--muted);font-size:15px}
.more-body{padding:4px 18px 20px;display:flex;flex-direction:column;gap:18px}
.sub{font-weight:600;font-size:15px;margin:0}
.small{font-size:15px;color:var(--muted)}
.consent{display:flex;gap:12px;align-items:flex-start}
.consent input{width:24px;height:24px;flex:0 0 24px;margin-top:2px;accent-color:var(--accent)}
.consent label{font-weight:400;font-size:15px;margin:0}
.trap{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.req{color:#9A2B1A}

/* FAQ */
.section.faq-grid{flex-direction:row;flex-wrap:wrap;gap:48px;align-items:flex-start}
.faq-grid .head{flex:1 1 240px;min-width:0}
.faq-list{flex:999 1 520px;min-width:0}
.faq-list details{border-bottom:1px solid #C9CFC5;padding:14px 0}
.faq-list summary{font-weight:600;font-size:18px;cursor:pointer;min-height:44px;display:flex;align-items:center}
.faq-list details p{color:var(--text);padding-top:6px;font-size:17px}

/* Fuss */
footer{background:var(--dark);color:var(--dark-text);font-size:15px}
footer .wrap{display:flex;flex-wrap:wrap;gap:32px;justify-content:space-between;padding-top:48px;padding-bottom:48px}
footer strong{color:var(--ground);font-family:var(--serif);font-weight:400;font-size:20px}
footer a{color:var(--ground)}
.foot-info{display:flex;flex-direction:column;gap:4px}
.foot-links{display:flex;flex-wrap:wrap;gap:24px}

/* Unterseiten */
.page{max-width:820px;margin:0 auto;padding:56px 24px 80px;display:flex;flex-direction:column;gap:18px}
.page h1{font-size:clamp(34px,5vw,52px)}
.page h2{font-size:26px;margin-top:16px}
.page ul{margin:0;padding-left:22px}
.center{text-align:center;align-items:center}

/* ---------- Formular in Schritten ---------- */
[hidden]{display:none!important}
form.anfrage{gap:0;padding:0;overflow:hidden}
.js-only,.js-only-block{display:none}
.steps-js .js-only{display:flex}
.steps-js .js-only-block{display:block}
.progress{flex-direction:column;gap:8px;padding:24px 28px 0}
.progress-text{font-size:14px;color:var(--muted);font-weight:600}
.progress-track{height:6px;background:var(--line);border-radius:99px;overflow:hidden}
.progress-bar{height:100%;width:33%;background:var(--accent);border-radius:99px;transition:width .3s}
.fstep{border:0;margin:0;padding:24px 28px 28px;display:flex;flex-direction:column;gap:18px;min-width:0}
.fstep+.fstep{border-top:1px solid var(--line)}
.steps-js .fstep+.fstep{border-top:0}
.fstep legend{float:left;width:100%;padding:0;margin:0 0 4px;font-family:var(--serif);font-size:28px;line-height:1.2;display:flex;gap:12px;align-items:center}
.fstep legend+*{clear:both}
.num{flex:0 0 34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;font-family:var(--sans);font-size:16px;font-weight:700;display:inline-flex;align-items:center;justify-content:center}
.field{display:flex;flex-direction:column}
.field.short{max-width:200px}
.kids{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px}
.sub{font-weight:600;font-size:16px;margin:4px 0 -6px}
.choices{display:grid;gap:10px}
.choices.row3{grid-template-columns:repeat(auto-fit,minmax(140px,1fr))}
.choice{position:relative;margin:0;font-weight:400;cursor:pointer}
.choice input{position:absolute;opacity:0;width:1px;height:1px}
.choice span{display:flex;align-items:center;gap:12px;min-height:54px;padding:12px 16px;border:1.5px solid #BDB6A8;border-radius:6px;background:#fff;font-size:17px;line-height:1.35}
.choice span::before{content:"";flex:0 0 20px;height:20px;border-radius:50%;border:2px solid #8C8575;background:#fff;box-sizing:border-box}
.choice input:checked+span{border-color:var(--accent);background:#EEF3EF;box-shadow:inset 0 0 0 1px var(--accent)}
.choice input:checked+span::before{border:6px solid var(--accent)}
.choice input:focus-visible+span{outline:3px solid #D9A441;outline-offset:2px}
.check-line{display:flex;gap:12px;align-items:flex-start;font-weight:400;font-size:16px;margin:0;cursor:pointer}
.check-line input{width:24px;height:24px;flex:0 0 24px;margin-top:1px;accent-color:var(--accent)}
.nav{display:flex;flex-wrap:nowrap;gap:8px;align-items:center;margin-top:6px}
.nav .btn{flex:1 1 auto}
.btn-back{flex:0 0 auto}
.btn-back{min-height:52px;padding:0 18px;background:none;border:0;font:inherit;font-weight:600;color:var(--accent);cursor:pointer;text-decoration:underline}
input::placeholder{color:#8C8575}
@media (max-width:520px){.progress{padding:20px 18px 0}.fstep{padding:20px 18px 24px}.fstep legend{font-size:24px}}