/* altersvorsorgedepotcheck.com – eigenständige Marke.
   Petrol, Tiefgrün und Gold. Gold ist nur Fläche, nie Text auf Weiß.
   Alle Textfarben auf ihren Flächen mindestens 4,5:1 (WCAG 2.1 AA). */

@font-face { font-family: "Open Sans"; src: url("OpenSans-400.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Open Sans"; src: url("OpenSans-600.woff2") format("woff2"); font-weight: 600; font-style: normal; font-display: swap; }
@font-face { font-family: "Open Sans"; src: url("OpenSans-700.woff2") format("woff2"); font-weight: 700; font-style: normal; font-display: swap; }

:root {
  --petrol: #0f6e66;      /* Hauptfarbe, 6,1:1 auf Weiß */
  --petrol-hell: #e5f2f0;
  --tief: #0b3337;        /* Bühne, dunkle Flächen */
  --tief-2: #12444a;
  --gold: #f2a10e;        /* nur Fläche */
  --gold-hell: #fdf1d9;
  --gold-text: #875600;   /* Gold als Schrift auf Weiß, 5,6:1 */
  --rot: #a3261d;         /* Kritik, 6,9:1 auf Weiß */
  --rot-hell: #fbeceb;
  --tinte: #14232a;
  --text: #2a3a40;
  --leise: #55636a;       /* 6,0:1 auf Weiß */
  --papier: #f2f6f6;
  --weiss: #ffffff;
  --linie: #d3e0df;
  --ok: #1e6b3a;
  --radius: 12px;
  --breite: 1160px;
  --schrift: "Open Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 84px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }

body { margin: 0; background: var(--weiss); color: var(--text); font: 400 17px/1.65 var(--schrift); }
img, svg { max-width: 100%; }
h1, h2, h3 { color: var(--tinte); line-height: 1.2; text-wrap: balance; margin: 0; }
h1 { font-size: clamp(2rem, 4.4vw, 3.2rem); font-weight: 700; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 700; letter-spacing: -0.015em; }
h3 { font-size: 1.18rem; font-weight: 700; }
p { margin: 0; }
a { color: var(--petrol); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
strong { color: var(--tinte); }

.skip { position: absolute; left: -9999px; top: 8px; background: var(--tinte); color: #fff; padding: 10px 16px; z-index: 100; }
.skip:focus { left: 16px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap { max-width: var(--breite); margin: 0 auto; padding-inline: 24px; }
@media (max-width: 600px) { .wrap { padding-inline: 16px; } }

.eyebrow { display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--petrol); margin-bottom: 12px; }
.eyebrow--rot { color: var(--rot); }
.fuehrung { font-size: 1.12rem; color: var(--leise); margin-top: 16px; max-width: 760px; }
.kopfzeile { max-width: 820px; margin-bottom: 40px; }
.mitte { text-align: center; margin-inline: auto; }
.mitte .fuehrung { margin-inline: auto; }

/* ---------- Knöpfe ---------- */
.knopf {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 22px; border-radius: 999px; border: 2px solid transparent;
  font: 700 1rem/1.2 var(--schrift); text-decoration: none; cursor: pointer;
  transition: transform .15s, box-shadow .15s, background .15s;
}
.knopf:hover { transform: translateY(-1px); box-shadow: 0 6px 18px rgba(11, 51, 55, .18); }
.knopf--gold { background: var(--gold); color: var(--tinte); }
.knopf--petrol { background: var(--petrol); color: #fff; }
.knopf--rand { border-color: currentColor; color: var(--petrol); background: transparent; }
.knopf--rand-hell { border-color: rgba(255,255,255,.7); color: #fff; background: transparent; }

/* ---------- Kopf ---------- */
.kopf { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--linie); }
.kopf .wrap { display: flex; align-items: center; gap: 24px; min-height: 72px; }
.marke { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--tinte); flex-shrink: 0; }
.marke svg { width: 44px; height: 44px; flex-shrink: 0; }
.marke-text { display: flex; flex-direction: column; line-height: 1.15; }
.marke-name { font-weight: 700; font-size: 1.12rem; letter-spacing: -0.01em; }
.marke-name span { color: var(--petrol); }
.marke-zusatz { font-size: .78rem; color: var(--leise); }
.menue { display: flex; gap: 22px; margin-left: auto; }
.menue a { color: var(--text); text-decoration: none; font-weight: 600; font-size: .95rem; }
.menue a:hover { color: var(--petrol); }
.kopf .knopf { padding: 10px 18px; font-size: .95rem; }
@media (max-width: 1100px) { .menue { display: none; } .kopf .knopf { margin-left: auto; } }
@media (max-width: 520px) { .marke-zusatz { display: none; } .kopf .wrap { gap: 10px; } .marke { gap: 8px; } .marke svg { width: 36px; height: 36px; } .kopf .knopf { padding: 8px 14px; font-size: .88rem; } .marke-name { font-size: .95rem; } .nur-breit { display: none; } }
@media (max-width: 360px) { .marke-name { font-size: .85rem; } }

/* ---------- Bühne ---------- */
.buehne { background: radial-gradient(1200px 500px at 85% -10%, #1d5c60 0%, transparent 60%), var(--tief); color: #dfeceb; padding: 72px 0 84px; }
.buehne .wrap { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.buehne h1 { color: #fff; }
.buehne h1 em { font-style: normal; color: var(--gold); }
.buehne .eyebrow { color: #9fd6cf; }
.buehne .fuehrung { color: #cfe2e0; }
.buehne-knoepfe { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.buehne-fakten { display: flex; flex-wrap: wrap; gap: 8px 22px; margin: 26px 0 0; padding: 0; list-style: none; font-size: .92rem; color: #cfe2e0; }
.buehne-fakten li::before { content: "✓ "; color: var(--gold); font-weight: 700; }

.pruefkarte { background: #fff; color: var(--text); border-radius: 18px; padding: 28px; box-shadow: 0 24px 60px rgba(0,0,0,.28); }
.pruefkarte h2 { font-size: 1.2rem; margin-bottom: 4px; }
.pruefkarte > p { font-size: .9rem; color: var(--leise); margin-bottom: 18px; }
.pruefzeile { display: grid; grid-template-columns: 1fr auto auto; gap: 10px; align-items: center; padding: 11px 0; border-top: 1px solid var(--linie); font-size: .93rem; }
.pruefzeile b { font-weight: 600; color: var(--tinte); }
.pruefkopf { display: grid; grid-template-columns: 1fr auto auto; gap: 10px; font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--leise); padding-bottom: 8px; }
.pruefkopf span, .pruefzeile span { width: 76px; text-align: center; }
.marke-ja, .marke-nein, .marke-teils { display: inline-flex; width: 28px; height: 28px; border-radius: 50%; align-items: center; justify-content: center; font-weight: 700; font-size: .9rem; }
.marke-ja { background: var(--petrol-hell); color: var(--petrol); }
.marke-nein { background: var(--rot-hell); color: var(--rot); }
.marke-teils { background: var(--gold-hell); color: var(--gold-text); }
.pruefkarte .knopf { width: 100%; margin-top: 18px; }
@media (max-width: 900px) { .buehne .wrap { grid-template-columns: 1fr; gap: 40px; } .buehne { padding: 48px 0 56px; } }

/* ---------- Abschnitte ---------- */
.abschnitt { padding: 88px 0; }
.abschnitt--papier { background: var(--papier); }
.abschnitt--tief { background: var(--tief); color: #dfeceb; }
.abschnitt--tief h2, .abschnitt--tief h3 { color: #fff; }
.abschnitt--tief .fuehrung { color: #cfe2e0; }
.abschnitt--tief .eyebrow { color: #9fd6cf; }
@media (max-width: 700px) { .abschnitt { padding: 60px 0; } }

.raster { display: grid; gap: 22px; }
.raster--2 { grid-template-columns: repeat(2, 1fr); }
.raster--3 { grid-template-columns: repeat(3, 1fr); }
.raster--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .raster--3, .raster--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 680px) { .raster--2, .raster--3, .raster--4 { grid-template-columns: 1fr; } }

.karte { background: #fff; border: 1px solid var(--linie); border-radius: var(--radius); padding: 26px; }
.karte h3 { margin-bottom: 8px; }
.karte p { font-size: .97rem; }
.karte--rot { border-top: 4px solid var(--rot); }
.karte--petrol { border-top: 4px solid var(--petrol); }
.karte .nr { display: inline-flex; width: 36px; height: 36px; border-radius: 50%; align-items: center; justify-content: center; font-weight: 700; margin-bottom: 14px; }
.karte--rot .nr { background: var(--rot-hell); color: var(--rot); }
.karte--petrol .nr { background: var(--petrol-hell); color: var(--petrol); }

/* Förderung */
.kennzahl { background: #fff; border: 1px solid var(--linie); border-radius: var(--radius); padding: 22px; }
.kennzahl strong { display: block; font-size: 1.9rem; line-height: 1.1; color: var(--petrol); letter-spacing: -.02em; }
.kennzahl span { display: block; font-size: .92rem; margin-top: 6px; }
.liste { margin: 0; padding: 0; list-style: none; }
.liste li { position: relative; padding-left: 28px; margin-top: 10px; }
.liste li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 9px; height: 9px; border-radius: 50%; background: var(--petrol); }
.liste--rot li::before { background: var(--rot); }
.liste--gold li::before { background: var(--gold); }
.zweispaltig { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 900px) { .zweispaltig { grid-template-columns: 1fr; gap: 32px; } }

/* Gesetzesbox */
.gesetz { margin-top: 36px; background: #fff; border-left: 5px solid var(--petrol); border-radius: 0 var(--radius) var(--radius) 0; padding: 22px 26px; font-size: .95rem; }
.gesetz b { color: var(--tinte); }
.gesetz cite { display: block; font-style: normal; color: var(--leise); font-size: .85rem; margin-top: 8px; }

/* Fairness */
.fair { margin-top: 32px; background: var(--petrol-hell); border-radius: var(--radius); padding: 22px 26px; display: grid; grid-template-columns: auto 1fr; gap: 16px; align-items: start; }
.fair svg { width: 32px; height: 32px; color: var(--petrol); }
.fair p { font-size: .97rem; }

/* Ablaufgrafik */
.grafik { background: #fff; border: 1px solid var(--linie); border-radius: var(--radius); padding: 24px; }
.grafik svg { display: block; width: 100%; height: auto; }
.grafik figcaption { font-size: .85rem; color: var(--leise); margin-top: 12px; }
.legende { display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: .88rem; margin-top: 12px; }
.legende span::before { content: ""; display: inline-block; width: 14px; height: 4px; border-radius: 2px; margin-right: 8px; vertical-align: middle; background: var(--f); }

/* Rechner */
.rechner { display: grid; grid-template-columns: 360px 1fr; gap: 28px; background: #fff; border-radius: 18px; padding: 30px; color: var(--text); }
@media (max-width: 900px) { .rechner { grid-template-columns: 1fr; padding: 22px; } }
.regler { margin-bottom: 20px; }
.regler label { display: flex; justify-content: space-between; gap: 12px; font-weight: 600; font-size: .93rem; color: var(--tinte); margin-bottom: 6px; }
.regler output { font-weight: 700; color: var(--petrol); white-space: nowrap; }
.regler input[type=range] { width: 100%; accent-color: var(--petrol); }
.regler small { display: block; color: var(--leise); font-size: .8rem; margin-top: 2px; }
.ergebnis { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.ergebnis div { border-radius: var(--radius); padding: 18px; }
.ergebnis .e-std { background: var(--rot-hell); }
.ergebnis .e-prem { background: var(--petrol-hell); }
.ergebnis small { display: block; font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; }
.e-std small { color: var(--rot); }
.e-prem small { color: var(--petrol); }
.ergebnis strong { display: block; font-size: clamp(1.4rem, 2.6vw, 1.9rem); letter-spacing: -.02em; margin-top: 4px; }
.differenz { margin-top: 14px; background: var(--gold-hell); border-radius: var(--radius); padding: 16px 18px; font-size: .97rem; }
.differenz strong { color: var(--gold-text); font-size: 1.15rem; }
.rechner-hinweis { font-size: .8rem; color: var(--leise); margin-top: 14px; }
#verlauf { width: 100%; height: auto; margin-top: 16px; display: block; }

/* Vergleich */
.tabelle-huelle { overflow-x: auto; border: 1px solid var(--linie); border-radius: var(--radius); background: #fff; }
table.vergleich { width: 100%; border-collapse: collapse; min-width: 760px; font-size: .95rem; }
.vergleich th, .vergleich td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--linie); }
.vergleich thead th { background: var(--tief); color: #fff; font-size: .95rem; }
.vergleich thead th:first-child { background: var(--tief-2); }
.vergleich thead th small { display: block; font-weight: 400; color: #bcd6d3; font-size: .8rem; }
.vergleich tbody th { width: 22%; color: var(--tinte); font-weight: 600; background: var(--papier); }
.vergleich td.schwach { color: var(--rot); }
.vergleich td.stark { color: var(--ok); }
.vergleich td.schwach::before { content: "✕ "; font-weight: 700; }
.vergleich td.stark::before { content: "✓ "; font-weight: 700; }
.vergleich tr:last-child th, .vergleich tr:last-child td { border-bottom: 0; }

/* Premium-Varianten */
.variante { background: #fff; border-radius: 18px; padding: 32px; border: 1px solid var(--linie); display: flex; flex-direction: column; }
.variante--hervor { border: 2px solid var(--petrol); box-shadow: 0 18px 44px rgba(15,110,102,.12); }
.variante .etikett { align-self: flex-start; background: var(--gold); color: var(--tinte); font-size: .76rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 5px 12px; border-radius: 999px; margin-bottom: 14px; }
.variante .etikett--hell { background: var(--petrol-hell); color: var(--petrol); }
.variante h3 { font-size: 1.4rem; margin-bottom: 8px; }
.variante > p { color: var(--leise); }
.variante .liste { margin-top: 14px; }
.variante .achtung { margin-top: auto; padding-top: 18px; font-size: .88rem; color: var(--leise); }
.variante .achtung b { color: var(--tinte); }

/* Ablauf */
.schritte { counter-reset: s; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; list-style: none; padding: 0; margin: 0; }
.schritte li { counter-increment: s; background: #fff; border: 1px solid var(--linie); border-radius: var(--radius); padding: 24px; }
.schritte li::before { content: counter(s); display: inline-flex; width: 38px; height: 38px; border-radius: 50%; background: var(--gold); color: var(--tinte); font-weight: 700; align-items: center; justify-content: center; margin-bottom: 12px; }
.schritte h3 { font-size: 1.05rem; margin-bottom: 6px; }
.schritte p { font-size: .94rem; }
@media (max-width: 980px) { .schritte { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .schritte { grid-template-columns: 1fr; } }

/* Berater */
.berater { display: grid; grid-template-columns: 280px 1fr; gap: 48px; align-items: center; }
.berater-bild { text-align: center; }
.berater-bild .rund { width: 240px; height: 240px; border-radius: 50%; overflow: hidden; margin: 0 auto; border: 6px solid #fff; box-shadow: 0 14px 40px rgba(11,51,55,.18); background: var(--petrol-hell); }
.berater-bild img { width: 100%; height: 100%; object-fit: cover; display: block; }
.berater-hinweis { display: block; font-size: .75rem; color: var(--leise); margin-top: 10px; }
.berater blockquote { margin: 18px 0 0; font-size: 1.15rem; color: var(--tinte); border-left: 4px solid var(--gold); padding-left: 18px; }
@media (max-width: 800px) { .berater { grid-template-columns: 1fr; gap: 28px; text-align: center; } .berater blockquote { text-align: left; } }

/* FAQ */
.fragen { max-width: 860px; margin: 0 auto; }
.fragen details { background: #fff; border: 1px solid var(--linie); border-radius: var(--radius); margin-bottom: 12px; }
.fragen summary { cursor: pointer; padding: 18px 54px 18px 22px; font-weight: 600; color: var(--tinte); list-style: none; position: relative; }
.fragen summary::-webkit-details-marker { display: none; }
.fragen summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--petrol); font-weight: 400; }
.fragen details[open] summary::after { content: "–"; }
.fragen details > div { padding: 0 22px 20px; }
.fragen details p + p { margin-top: 10px; }

/* Formular */
.anfrage { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: start; }
@media (max-width: 900px) { .anfrage { grid-template-columns: 1fr; gap: 32px; } }
.formular { background: #fff; color: var(--text); border-radius: 18px; padding: 30px; }
@media (max-width: 600px) { .formular { padding: 20px; } }
.feld { margin-bottom: 16px; }
.feld label, .feld legend { display: block; font-weight: 600; font-size: .93rem; color: var(--tinte); margin-bottom: 6px; padding: 0; }
.feld input, .feld select, .feld textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid #b9c9c8; border-radius: 8px;
  font: 400 1rem/1.4 var(--schrift); color: var(--tinte); background: #fff;
}
.feld input:focus, .feld select:focus, .feld textarea:focus { border-color: var(--petrol); outline: 3px solid rgba(15,110,102,.2); outline-offset: 0; }
.feld textarea { min-height: 110px; resize: vertical; }
.feld-paar { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 560px) { .feld-paar { grid-template-columns: 1fr; } }
fieldset.feld { border: 0; margin: 0 0 16px; padding: 0; }
.wahl { display: flex; flex-wrap: wrap; gap: 8px; }
.wahl label { display: inline-flex; align-items: center; gap: 8px; margin: 0; padding: 9px 14px; border: 1.5px solid #b9c9c8; border-radius: 999px; font-weight: 600; font-size: .9rem; cursor: pointer; }
.wahl input { width: auto; accent-color: var(--petrol); margin: 0; }
.wahl label:has(input:checked) { border-color: var(--petrol); background: var(--petrol-hell); color: var(--petrol); }
.pflicht { color: var(--rot); }
.zustimmung { display: grid; grid-template-columns: auto 1fr; gap: 10px; font-size: .86rem; margin: 6px 0 18px; }
.zustimmung input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--petrol); }
.formular .knopf { width: 100%; }
.versteckt { position: absolute; left: -9999px; }
.meldung { display: none; margin-top: 14px; padding: 14px 16px; border-radius: 8px; font-size: .95rem; }
.meldung.fehler { display: block; background: var(--rot-hell); color: var(--rot); }
.meldung.ok { display: block; background: var(--petrol-hell); color: var(--ok); }
.kontaktweg { display: flex; gap: 14px; align-items: center; margin-top: 18px; color: #dfeceb; text-decoration: none; font-weight: 600; }
.kontaktweg svg { width: 22px; height: 22px; color: var(--gold); flex-shrink: 0; }
.kontaktweg:hover { color: #fff; }

/* Fuß */
.fuss { background: #08262a; color: #b9cfcd; padding: 48px 0 28px; font-size: .9rem; }
.fuss a { color: #e3efee; }
.fuss-risiko { max-width: 900px; font-size: .82rem; line-height: 1.6; }
.fuss-risiko b { color: #e3efee; }
.fuss-unten { display: flex; flex-wrap: wrap; gap: 12px 24px; justify-content: space-between; margin-top: 28px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); }

/* Rechtstexte */
.recht { padding: 56px 0 72px; }
.recht .wrap { max-width: 820px; }
.recht h1 { margin-bottom: 24px; }
.recht h2 { font-size: 1.25rem; margin: 32px 0 10px; }
.recht p, .recht li { margin-top: 8px; }
.platzhalter { background: #fff3a6; padding: 1px 5px; border-radius: 3px; }

.danke { padding: 96px 0; text-align: center; }
.danke p { margin: 16px auto 28px; max-width: 560px; }