/* ============ Finanzaufstieg – Basis-Styles ============ */
:root {
  --night: #131a3a;
  --night-2: #182149;
  --surface: #1d2856;
  --surface-2: #243166;
  --mountain: #2e3d7a;
  --mountain-light: #4a5c9e;
  --snow: #c9d6f2;
  --orange: #f2a65a;
  --orange-dark: #e08b3a;
  --text: #eef1fa;
  --muted: #a9b4d6;
  --line: rgba(201, 214, 242, 0.14);
  --green: #6fd3a5;
  --red: #ff8a80;
  --radius: 16px;
  --shadow: 0 10px 30px rgba(5, 9, 30, 0.35);
  --max: 1160px;
  color-scheme: dark;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--night);
  color: var(--text);
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 16.5px;
  font-feature-settings: "cv11", "ss01";
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--orange); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { font-family: "Manrope", "Inter", system-ui, sans-serif; line-height: 1.2; margin: 0 0 .6em; font-weight: 700; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; letter-spacing: -.025em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 800; letter-spacing: -.02em; }
.brand, .donut-center .pct, .alloc-val, .kpi .value, .big-number { font-family: "Manrope", "Inter", system-ui, sans-serif; }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; }
li { margin-bottom: .35em; }
strong { color: #fff; }
.accent { color: var(--orange); }
.muted { color: var(--muted); }
.small { font-size: .88rem; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 10px; top: 10px; background: var(--orange); color: var(--night); padding: 8px 12px; z-index: 100; }

/* ============ Header ============ */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(19, 26, 58, .88);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; font-weight: 700; font-size: 1.2rem; letter-spacing: .02em; }
.brand:hover { text-decoration: none; }
.brand img { width: 40px; height: 40px; border-radius: 50%; }
.brand b { color: var(--orange); font-weight: 700; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a, .nav button.dd-toggle {
  color: var(--text); font: inherit; font-size: .93rem; font-weight: 500;
  padding: 8px 12px; border-radius: 10px; background: none; border: 0; cursor: pointer; white-space: nowrap;
}
.nav a:hover, .nav button.dd-toggle:hover { background: var(--surface); text-decoration: none; }
.nav a.active, .nav .dropdown.active > .dd-toggle { color: var(--orange); }
.nav a.cta { background: var(--orange); color: var(--night); font-weight: 600; margin-left: 6px; }
.nav a.cta:hover { background: var(--orange-dark); }
.nav a.cta.active { color: var(--night); }

.dropdown { position: relative; }
.dd-toggle::after { content: "▾"; font-size: .75em; margin-left: 6px; opacity: .7; }
.dd-menu {
  position: absolute; top: calc(100% + 6px); left: 0; min-width: 240px;
  background: var(--surface); border: 1px solid var(--line); border-radius: 14px;
  padding: 8px; box-shadow: var(--shadow);
  display: none; flex-direction: column;
}
.dd-menu a { display: block; padding: 9px 12px; }
.dd-menu a small { display: block; color: var(--muted); font-size: .78rem; font-weight: 400; }
.dropdown:hover .dd-menu, .dropdown:focus-within .dd-menu, .dropdown.open .dd-menu { display: flex; }
.dropdown::before { content: ""; position: absolute; left: 0; right: 0; top: 100%; height: 8px; }

.menu-btn { display: none; background: none; border: 1px solid var(--line); color: var(--text); border-radius: 10px; padding: 8px 12px; font: inherit; cursor: pointer; }

@media (max-width: 1120px) {
  .menu-btn { display: block; }
  .nav {
    position: absolute; top: 68px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 2px;
    background: var(--night-2); border-bottom: 1px solid var(--line);
    padding: 10px 16px 18px; display: none;
    max-height: calc(100vh - 68px); overflow-y: auto;
  }
  .nav.open { display: flex; }
  .nav a, .nav button.dd-toggle { text-align: left; padding: 11px 12px; }
  .dd-menu { position: static; display: flex; box-shadow: none; border: 0; background: transparent; padding: 0 0 0 12px; min-width: 0; }
  .dd-toggle { pointer-events: none; color: var(--muted) !important; font-size: .8rem !important; text-transform: uppercase; letter-spacing: .08em; }
  .dd-toggle::after { display: none; }
  .nav a.cta { margin: 8px 0 0; text-align: center; }
}

/* ============ Hero ============ */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #11183e 0%, #161f4d 100%); }
.hero .stars { position: absolute; inset: 0; pointer-events: none; }
.hero-inner { position: relative; display: grid; grid-template-columns: 1.05fr 1fr; gap: 32px; align-items: center; padding: 80px 20px 40px; }
.hero h1 { font-size: clamp(2.3rem, 6vw, 4rem); text-transform: uppercase; margin-bottom: .25em; }
.hero .tagline { letter-spacing: .35em; color: var(--snow); font-size: .9rem; text-transform: uppercase; margin-bottom: 1.6em; }
.hero .lead { font-size: 1.15rem; color: var(--snow); max-width: 34em; }
.hero-art {
  width: 100%; max-width: 500px; height: auto; display: block; margin: 0 auto;
  align-self: end;
}
/* Berge wachsen aus der Landschaft: Hero-Grafik verschwindet unten hinter dem Bergstreifen */
.hero-inner { padding-bottom: 0 !important; z-index: 1; }
.hero-inner > div:first-child { padding-bottom: 10vw; }
.hero-ground { position: relative; margin-top: -8.4vw; height: 10vw; }
.hero-ground svg { position: absolute; inset: 0; width: 100%; height: 100%; display: block; }
.hero-ground .ground-back { z-index: 0; }
.hero-ground .ground-front { z-index: 2; }

/* Zitat */
.quote-section { padding: 56px 0 8px; }
.quote {
  margin: 0; position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--surface-2), var(--surface));
  border: 1px solid var(--line); border-left: 6px solid var(--orange);
  border-radius: 22px; padding: 40px 44px;
}
.quote::before {
  content: "«"; position: absolute; right: 24px; top: -40px;
  font-size: 14rem; line-height: 1; color: var(--orange); opacity: .1; font-weight: 700;
}
.quote-intro { color: var(--snow); text-transform: uppercase; letter-spacing: .12em; font-size: .85rem; font-weight: 600; margin-bottom: 14px; }
.quote blockquote { margin: 0; }
.quote blockquote p { font-size: clamp(1.25rem, 2.6vw, 1.85rem); font-weight: 600; line-height: 1.4; color: #fff; margin: 0 0 18px; max-width: 34em; }
.quote figcaption { color: var(--muted); }
.quote figcaption strong { color: var(--orange); }
.quote-orig { display: block; font-style: italic; font-size: .88rem; margin-top: 4px; }
.quote-compare { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 26px; }
.quote-compare > div { background: rgba(19, 26, 58, .5); border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; }
.quote-compare p { margin: 8px 0 0; }
@media (max-width: 640px) {
  .quote { padding: 28px 22px; }
  .quote-compare { grid-template-columns: 1fr; }
}
.hero-mountains { display: block; width: 100%; height: auto; margin-top: -10px; }
@media (max-width: 820px) {
  .hero-inner { grid-template-columns: 1fr; padding-top: 48px; }
  .hero-art { max-width: 420px; margin: 0 auto; }
  .hero-inner > div:first-child { padding-bottom: 8px; }
}

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 1.4em; }
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--orange); color: var(--night); font-weight: 600;
  padding: 12px 22px; border-radius: 999px; border: 0; font: inherit; font-weight: 600; cursor: pointer;
  transition: transform .15s, background .15s;
}
.btn:hover { background: var(--orange-dark); text-decoration: none; transform: translateY(-1px); }
.btn.ghost { background: transparent; color: var(--text); border: 1px solid var(--snow); }
.btn.ghost:hover { background: var(--surface); }

/* ============ Page hero (Unterseiten) ============ */
.page-hero {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, #10163a 0%, var(--night) 100%);
  padding: 64px 0 40px; border-bottom: 1px solid var(--line);
}
.page-hero .eyebrow { color: var(--orange); text-transform: uppercase; letter-spacing: .2em; font-size: .8rem; font-weight: 600; margin-bottom: .8em; }
.page-hero .lead { font-size: 1.15rem; color: var(--snow); max-width: 44em; margin: 0; }
/* Bergkette im Stil des Logos: Licht- und Schattenseite, Schneekappen */
.page-hero::after {
  content: ""; position: absolute; right: 0; bottom: 0; width: 600px; height: 160px; opacity: .55;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 600 160'%3E%3Cpolygon points='0,160 110,100 170,125 250,70 330,112 390,88 600,160' fill='%231b2552'/%3E%3Cpolygon points='430,22 300,160 415,160' fill='%232c3c78'/%3E%3Cpolygon points='430,22 415,160 600,160' fill='%23223064'/%3E%3Cpolygon points='430,22 472,56 457,50 445,61 432,51 419,61 407,50 398,56' fill='%23c9d6f2'/%3E%3Cpolygon points='430,22 472,56 457,50 445,61 432,51 426.8,51' fill='%23a3b3dc'/%3E%3Cpolygon points='330,70 230,160 322,160' fill='%2334478a'/%3E%3Cpolygon points='330,70 322,160 420,160' fill='%232a3a74'/%3E%3Cpolygon points='330,70 352,92 344,87 337,96 329,88 321,95 313,88 305.6,92' fill='%23c9d6f2'/%3E%3Cpolygon points='330,70 352,92 344,87 337,96 329,88 328,88' fill='%23a3b3dc'/%3E%3C/svg%3E") no-repeat bottom right / 100% 100%;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 40%);
  mask-image: linear-gradient(90deg, transparent 0, #000 40%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
@media (max-width: 700px) { .page-hero::after { width: 300px; height: 80px; opacity: .35; } }

/* ============ Sections & Layout ============ */
.section { padding: 64px 0; }
.section.alt { background: var(--night-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 46em; margin-bottom: 32px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.grid { display: grid; gap: 20px; }
.cols-2 { grid-template-columns: repeat(2, 1fr); }
.cols-3 { grid-template-columns: repeat(3, 1fr); }
.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .cols-3, .cols-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .cols-2, .cols-3, .cols-4 { grid-template-columns: 1fr; } }

.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: minmax(0, 1fr); } }
.grid > *, .split > *, .vs > *, .pillars > * { min-width: 0; }

.prose { max-width: 46em; }
.prose h2 { margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }

/* Cards */
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; position: relative;
}
.card h3 { margin-bottom: .4em; }
.card p:last-child, .card ul:last-child { margin-bottom: 0; }
.card .icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: rgba(242, 166, 90, .1); color: var(--orange); font-size: 1.4rem; margin-bottom: 14px;
  border: 1px solid rgba(242, 166, 90, .22);
}
.card .icon svg { width: 24px; height: 24px; display: block; }

/* Praxisbeispiel: Asset-Allokation */
.eyebrow-sm { color: var(--orange); text-transform: uppercase; letter-spacing: .16em; font-size: .78rem; font-weight: 600; margin: 0 0 .6em; }
.alloc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.15fr); gap: 56px; align-items: center; }
.donut-wrap { position: relative; width: 100%; max-width: 380px; margin: 0 auto; }
.donut-wrap svg { width: 100%; height: auto; display: block; overflow: visible; }
.donut-seg { transition: transform .28s cubic-bezier(.2, .8, .2, 1), opacity .25s; cursor: pointer; }
.donut-center { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; pointer-events: none; }
.donut-center .pct { font-size: clamp(1.9rem, 4.2vw, 2.6rem); font-weight: 700; line-height: 1.1; font-variant-numeric: tabular-nums; }
.donut-center .lbl { color: var(--muted); font-size: .92rem; font-weight: 600; margin-top: 4px; }
.alloc-list { display: grid; gap: 14px; }
.alloc-item {
  display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: 16px; align-items: center;
  background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 16px 20px;
  transition: transform .25s cubic-bezier(.2, .8, .2, 1), border-color .25s, background .25s, opacity .25s, box-shadow .25s;
}
.alloc-item:focus { outline: none; }
.alloc-item:focus-visible { outline: 2px solid var(--orange); outline-offset: 2px; }
.alloc-item.on { border-color: var(--c); background: var(--surface-2); transform: translateX(-6px); box-shadow: var(--shadow); }
.alloc-item.dim { opacity: .6; }
.alloc-dot { width: 14px; height: 14px; border-radius: 50%; background: var(--c); box-shadow: 0 0 0 4px color-mix(in srgb, var(--c) 18%, transparent); }
.alloc-item h3 { font-size: 1.02rem; margin: 0 0 3px; }
.alloc-item p { margin: 0; font-size: .87rem; color: var(--muted); line-height: 1.45; }
.alloc-val { font-size: 1.4rem; font-weight: 700; font-variant-numeric: tabular-nums; white-space: nowrap; }
.alloc-note { margin-top: 28px; }
.about-me-section { padding-bottom: 0 !important; }
.subhead { margin: 48px 0 18px; font-size: 1.35rem; }

/* Rechtliche Seiten */
.legal { max-width: 780px; }
.legal h2 { font-size: 1.35rem; margin-top: 1.8em; }
.legal p { color: var(--snow); }
.ph { background: rgba(242, 166, 90, .14); color: var(--orange); border: 1px dashed rgba(242, 166, 90, .6); border-radius: 6px; padding: 0 6px; }
.risk-box { margin: 18px 0 8px; padding: 18px 22px; border-left: 4px solid var(--orange); background: var(--surface); border-radius: 0 12px 12px 0; }
.risk-box p { margin: 0; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 6px 18px; margin-top: 10px; font-size: .88rem; }
.footer-legal a { color: var(--muted); }
.footer-legal a:hover { color: var(--orange); }
.note-info {
  display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 14px; align-items: start;
  margin-top: 18px; padding: 18px 22px; border-radius: 14px;
  border: 1.5px dashed rgba(201, 214, 242, .28); background: rgba(29, 40, 86, .35);
}
.note-info p { margin: 0; color: var(--muted); line-height: 1.6; }
.note-info strong { color: var(--text); }
.note-icon { color: var(--orange); display: block; margin-top: 1px; }
.note-icon svg { width: 22px; height: 22px; display: block; }
#mission, #ueber-mich, #depot, #logo { scroll-margin-top: 80px; }
.page-hero .meta-row a.pill { color: var(--text); text-decoration: none; padding: 6px 14px; font-size: .85rem; border: 1px solid var(--line); transition: border-color .15s, color .15s; }
.page-hero .meta-row a.pill:hover { border-color: var(--orange); color: var(--orange); }
.about-me { border-left: 4px solid var(--orange); background: linear-gradient(135deg, var(--surface-2), var(--surface)); align-items: center !important; }
.about-me p:last-child { margin: 0; font-size: 1.05rem; color: var(--snow); max-width: 52em; }
@media (max-width: 860px) {
  .alloc { grid-template-columns: 1fr; gap: 32px; }
  .donut-wrap { max-width: 300px; }
  .alloc-item.on { transform: translateY(-2px); }
}
@media (max-width: 480px) { .alloc-item { padding: 14px 16px; gap: 12px; } .alloc-val { font-size: 1.15rem; } }
a.card:hover .icon { background: rgba(242, 166, 90, .16); }
/* «Lieber lassen»-Karten: dezentes Kreuz statt Emoji */
.card.dont { border-left: 3px solid rgba(255, 138, 128, .55); }
.card.dont h3 { display: flex; gap: 10px; align-items: baseline; }
.card.dont h3::before {
  content: ""; flex: none; width: 11px; height: 11px; transform: translateY(1px);
  background: linear-gradient(45deg, transparent 43%, var(--red) 43%, var(--red) 57%, transparent 57%),
              linear-gradient(-45deg, transparent 43%, var(--red) 43%, var(--red) 57%, transparent 57%);
}
a.card { color: var(--text); display: block; transition: transform .15s, border-color .15s, background .15s; }
a.card:hover { transform: translateY(-3px); border-color: var(--orange); text-decoration: none; background: var(--surface-2); }
a.card .more { color: var(--orange); font-weight: 600; font-size: .92rem; margin-top: 10px; display: inline-block; }

.kpi-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 16px; }
.kpi { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.kpi .label { color: var(--muted); font-size: .85rem; }
.kpi .value { font-size: 1.6rem; font-weight: 700; color: #fff; line-height: 1.25; font-variant-numeric: tabular-nums; }
.kpi .value.orange { color: var(--orange); }
.kpi .value.green { color: var(--green); }
.kpi .value.red { color: var(--red); }
.kpi .sub { color: var(--muted); font-size: .8rem; }

/* Callouts */
.callout {
  border-radius: 14px; padding: 18px 20px; margin: 1.4em 0;
  background: rgba(201, 214, 242, .07); border-left: 4px solid var(--snow);
}
.callout.tip { border-left-color: var(--green); background: rgba(111, 211, 165, .08); }
.callout.warn { border-left-color: var(--orange); background: rgba(242, 166, 90, .09); }
.callout.danger { border-left-color: var(--red); background: rgba(255, 138, 128, .08); }
.callout > strong:first-child { display: block; margin-bottom: 4px; }
.callout p:last-child { margin-bottom: 0; }

/* Steps */
.steps { list-style: none; padding: 0; counter-reset: s; display: grid; gap: 16px; }
.steps > li {
  counter-increment: s; position: relative; margin: 0;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px 22px 22px 78px;
}
.steps > li::before {
  content: counter(s); position: absolute; left: 22px; top: 20px;
  width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center;
  background: var(--orange); color: var(--night); font-weight: 700;
}
.steps h3 { margin-bottom: .3em; }
.steps p:last-child { margin-bottom: 0; }

/* Tables */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); }
table { width: 100%; border-collapse: collapse; font-size: .95rem; min-width: 560px; }
th, td { text-align: left; padding: 12px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--surface-2); font-weight: 600; color: #fff; }
tr:last-child td { border-bottom: 0; }
td { background: var(--surface); }

.pill { display: inline-block; padding: 2px 10px; border-radius: 999px; font-size: .78rem; font-weight: 600; background: var(--surface-2); color: var(--snow); }
.pill.low { background: rgba(111, 211, 165, .16); color: var(--green); }
.pill.mid { background: rgba(242, 166, 90, .16); color: var(--orange); }
.pill.high { background: rgba(255, 138, 128, .16); color: var(--red); }

/* Vergleich */
.vs { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.vs .card.bad { border-color: rgba(255, 138, 128, .35); }
.vs .card.good { border-color: rgba(111, 211, 165, .35); }
@media (max-width: 640px) { .vs { grid-template-columns: 1fr; } }

/* Säulen */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; align-items: end; }
.pillar { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius) var(--radius) 6px 6px; padding: 22px; border-top: 6px solid var(--snow); }
.pillar:nth-child(2) { border-top-color: var(--mountain-light); }
.pillar:nth-child(3) { border-top-color: var(--orange); }
.pillar .num { font-size: 2.4rem; font-weight: 700; color: var(--orange); line-height: 1; }
@media (max-width: 760px) { .pillars { grid-template-columns: 1fr; } }

/* Checklist */
.checklist { list-style: none; padding: 0; display: grid; gap: 10px; }
.checklist li { margin: 0; }
.checklist label {
  display: flex; gap: 14px; align-items: flex-start; cursor: pointer;
  background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px;
}
.checklist input { width: 20px; height: 20px; accent-color: var(--orange); margin-top: 3px; flex: none; }
.checklist input:checked + span { color: var(--muted); text-decoration: line-through; }
.progress { height: 10px; background: var(--surface-2); border-radius: 999px; overflow: hidden; margin: 10px 0 20px; }
.progress > div { height: 100%; background: var(--orange); width: 0; transition: width .3s; }

/* FAQ / details */
details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 0 18px; margin-bottom: 10px; }
summary { cursor: pointer; padding: 15px 0; font-weight: 600; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
summary::after { content: "+"; color: var(--orange); font-size: 1.3rem; line-height: 1; }
details[open] summary::after { content: "–"; }
summary::-webkit-details-marker { display: none; }
details > div { padding-bottom: 16px; color: var(--snow); }

/* Glossar */
.search { width: 100%; padding: 14px 18px; border-radius: 12px; border: 1px solid var(--line); background: var(--surface); color: var(--text); font: inherit; margin-bottom: 20px; }
.search:focus { outline: 2px solid var(--orange); border-color: transparent; }
.glossary { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.glossary .term { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 16px 18px; }
.glossary .term h3 { font-size: 1.05rem; color: var(--orange); margin-bottom: .3em; }
.glossary .term p { margin: 0; color: var(--snow); font-size: .95rem; }
@media (max-width: 700px) { .glossary { grid-template-columns: 1fr; } }

/* ============ Rechner ============ */
.tool-tabs { display: flex; gap: 8px; overflow-x: auto; padding-bottom: 6px; margin-bottom: 24px; scrollbar-width: thin; }
.tool-tabs button {
  flex: none; background: var(--surface); color: var(--text); border: 1px solid var(--line);
  padding: 10px 16px; border-radius: 999px; font: inherit; font-size: .92rem; font-weight: 500; cursor: pointer; white-space: nowrap;
}
.tool-tabs button:hover { border-color: var(--snow); }
.tool-tabs button[aria-selected="true"] { background: var(--orange); color: var(--night); border-color: var(--orange); font-weight: 600; }
.tool { display: none; }
.tool.active { display: block; }
.tool-layout { display: grid; grid-template-columns: 340px 1fr; gap: 24px; align-items: start; }
@media (max-width: 900px) { .tool-layout { grid-template-columns: 1fr; } }
.tool-form { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: grid; gap: 16px; }
.tool-form h3 { margin: 0; }
.field label { display: flex; justify-content: space-between; gap: 10px; font-size: .9rem; color: var(--snow); margin-bottom: 6px; }
.field label output { color: var(--orange); font-weight: 600; font-variant-numeric: tabular-nums; }
.field input[type="number"], .field select {
  width: 100%; padding: 11px 14px; border-radius: 10px; border: 1px solid var(--line);
  background: var(--night-2); color: var(--text); font: inherit; font-variant-numeric: tabular-nums;
}
.field input[type="number"]:focus, .field select:focus { outline: 2px solid var(--orange); border-color: transparent; }
.field input[type="range"] { width: 100%; accent-color: var(--orange); }
.field .hint { font-size: .78rem; color: var(--muted); margin-top: 4px; }
.tool-out { display: grid; gap: 18px; min-width: 0; }
.tool-out .kpi-row { grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); }
.tool-out .kpi .value { font-size: 1.3rem; white-space: nowrap; }
.chart-box { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; position: relative; height: 360px; }
@media (max-width: 640px) { .chart-box { height: 280px; padding: 12px; } }
.explain { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; color: var(--snow); }
.explain p:last-child { margin: 0; }

/* ============ Ratgeber-Artikel ============ */
.article-layout { display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 48px; align-items: start; }
.toc { position: sticky; top: 92px; font-size: .9rem; }
.toc-title { text-transform: uppercase; letter-spacing: .12em; font-size: .75rem; color: var(--muted); font-weight: 600; margin-bottom: 10px; }
.toc ol { list-style: none; padding: 0; margin: 0; border-left: 2px solid var(--line); }
.toc li { margin: 0; }
.toc a { display: block; padding: 6px 0 6px 14px; margin-left: -2px; border-left: 2px solid transparent; color: var(--muted); line-height: 1.35; }
.toc a:hover { color: var(--text); text-decoration: none; }
.toc a.active { color: var(--orange); border-left-color: var(--orange); }
.article-layout > * { min-width: 0; }
@media (max-width: 960px) {
  .article-layout { grid-template-columns: minmax(0, 1fr); gap: 24px; }
  .toc { position: static; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; }
}
.article { max-width: 760px; }
.article h2 { margin-top: 2em; padding-top: .2em; scroll-margin-top: 90px; }
.article h2:first-child { margin-top: 0; }
.article h3 { margin-top: 1.4em; }
.article .grid { margin: 1.2em 0; }
.article .table-wrap { margin: 1.2em 0; }
.meta-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.ch-badge { display: inline-flex; align-items: center; gap: 6px; padding: 3px 10px; border-radius: 999px; background: rgba(255, 138, 128, .14); color: #ffb3ab; font-size: .78rem; font-weight: 600; }
.ch-badge::before { content: "+"; display: inline-grid; place-items: center; width: 14px; height: 14px; border-radius: 3px; background: #d52b1e; color: #fff; font-size: .75rem; font-weight: 700; line-height: 1; }

/* Rückgänge pro Jahr */
.decline-chart { margin: 1.4em 0; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.decline-chart figcaption h3 { margin: 0 0 4px; font-size: 1.25rem; }
.decl-eyebrow { color: var(--orange); text-transform: uppercase; letter-spacing: .12em; font-size: .75rem; font-weight: 600; margin: 0 0 6px; }
.decl-bars { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; align-items: end; height: 300px; margin-top: 22px; border-bottom: 1px solid var(--line); }
.decl-bar { display: grid; grid-template-rows: 1fr auto; height: 100%; align-items: end; justify-items: center; position: relative; padding-bottom: 0; }
.decl-col { width: min(64px, 80%); height: calc(var(--v) / 8 * 100%); min-height: 6px; background: linear-gradient(180deg, var(--snow), var(--mountain-light)); border-radius: 8px 8px 0 0; grid-row: 1; align-self: end; }
.decl-bar.hot .decl-col { background: linear-gradient(180deg, var(--orange), var(--orange-dark)); }
.decl-val { position: absolute; bottom: calc(var(--v) / 8 * (100% - 0px) + 6px); font-weight: 700; font-size: 1.15rem; color: #fff; font-variant-numeric: tabular-nums; }
.decl-bar.hot .decl-val { color: var(--orange); }
.decl-lbl, .decl-freq { display: none; }
.decl-legend { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; margin-top: 10px; text-align: center; font-size: .85rem; line-height: 1.3; }
.decl-legend strong { display: block; color: #fff; font-size: 1rem; }
.decl-legend span { display: block; color: var(--muted); font-size: .78rem; margin-top: 4px; }
.decl-source { margin: 16px 0 0; font-size: .78rem; color: var(--muted); }
@media (max-width: 600px) {
  .decline-chart { padding: 18px; }
  .decl-bars { height: auto; grid-template-columns: 1fr; border: 0; gap: 10px; }
  .decl-bar { grid-template-columns: 1fr auto; grid-template-rows: auto auto auto; height: auto; justify-items: start; row-gap: 4px; }
  .decl-lbl { display: block; grid-column: 1; grid-row: 1; font-size: .88rem; color: var(--snow); }
  .decl-val { position: static; grid-column: 2; grid-row: 1; justify-self: end; font-size: 1rem; }
  .decl-col { grid-column: 1 / -1; grid-row: 2; width: calc(var(--v) / 7.2 * 100%); height: 12px; min-height: 0; min-width: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--mountain-light), var(--snow)); }
  .decl-bar.hot .decl-col { background: linear-gradient(90deg, var(--orange-dark), var(--orange)); }
  .decl-freq { display: block; grid-column: 1 / -1; grid-row: 3; font-size: .75rem; color: var(--muted); }
  .decl-legend { display: none; }
}
/* Szenario-Vorlagen und Crash-Erklärung */
.presets { display: grid; gap: 8px; padding: 14px; border-radius: 12px; background: var(--night-2); border: 1px solid var(--line); }
.presets-label { font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-weight: 600; }
.preset-btns { display: flex; flex-wrap: wrap; gap: 6px; }
.preset {
  font: inherit; font-size: .84rem; font-weight: 500; cursor: pointer; padding: 6px 12px; border-radius: 999px;
  background: var(--surface); color: var(--text); border: 1px solid var(--line); transition: border-color .15s, background .15s, color .15s;
}
.preset:hover { border-color: var(--orange); }
.preset.on { background: var(--orange); color: var(--night); border-color: var(--orange); font-weight: 600; }
.presets .hint { margin: 0; font-size: .78rem; color: var(--muted); }
.crash-list { list-style: none; padding: 0; margin: 12px 0 0; display: grid; gap: 10px; }
.crash-list li { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: start; margin: 0; }
.crash-list .dot { width: 10px; height: 10px; border-radius: 50%; margin-top: 7px; }
.crash-list strong { display: block; }
.explain .note { margin-top: 14px; padding-top: 12px; border-top: 1px solid var(--line); font-size: .82rem; color: var(--muted); }
.tool.embed { margin: 1.4em 0; }
.tool.embed .tool-layout { grid-template-columns: minmax(0, 1fr); }
.tool.embed .tool-form { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.tool.embed .tool-form > h3, .tool.embed .tool-form > p, .tool.embed .presets { grid-column: 1 / -1; }
.tool.embed .kpi-row { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.field label output { white-space: nowrap; }
@media (max-width: 640px) {
  .tool-out .kpi-row { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
  .tool-out .kpi { padding: 14px; }
  .tool-out .kpi .value { font-size: 1.08rem; }
}
.sim-layout { grid-template-columns: minmax(0, 1fr); margin: 1.2em 0; }
.sim-layout .tool-form { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
.sim-layout .kpi-row { grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); }
.sim-layout .kpi .value { font-size: 1.3rem; }
.feature-card { display: grid !important; grid-template-columns: auto 1fr; gap: 20px; align-items: start; }
.feature-card .icon { margin: 0; }
@media (max-width: 560px) { .feature-card { grid-template-columns: 1fr; } }

/* Über Finanzaufstieg */
.mission-card { border-left: 6px solid var(--orange); background: linear-gradient(135deg, var(--surface-2), var(--surface)); }
.mission-label { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; color: var(--orange); font-weight: 600; margin-bottom: 10px; }
.mission-text { font-size: 1.35rem; font-weight: 600; line-height: 1.45; color: #fff; margin: 0; }
.logo-explain { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: 48px; align-items: center; }
@media (max-width: 860px) { .logo-explain { grid-template-columns: minmax(0, 1fr); gap: 28px; } }
.logo-stage { position: relative; max-width: 480px; margin: 0 auto; width: 100%; }
.logo-stage img { display: block; width: 100%; height: auto; }
.logo-pin {
  position: absolute; transform: translate(-50%, -50%); width: 30px; height: 30px; border-radius: 50%;
  display: grid; place-items: center; background: var(--night); color: var(--orange); border: 2px solid var(--orange);
  font-weight: 700; font-size: .9rem; box-shadow: 0 0 0 4px rgba(242, 166, 90, .18); transition: transform .15s, background .15s;
}
.logo-pin:hover, .logo-pin.on { background: var(--orange); color: var(--night); transform: translate(-50%, -50%) scale(1.12); text-decoration: none; }
.logo-legend { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.logo-legend li { display: grid; grid-template-columns: 36px 1fr; gap: 14px; margin: 0; padding: 14px 16px; border-radius: 14px; border: 1px solid transparent; transition: background .15s, border-color .15s; scroll-margin-top: 90px; }
.logo-legend li.on, .logo-legend li:target { background: var(--surface); border-color: var(--orange); }
.logo-legend h3 { margin: 4px 0 4px; font-size: 1.05rem; }
.logo-legend p { margin: 0; color: var(--snow); font-size: .95rem; }
.logo-num { width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: rgba(242, 166, 90, .15); color: var(--orange); font-weight: 700; }
.swatches { display: grid; gap: 14px; }
.swatches > div { display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: start; }
.swatches p { margin: 0; color: var(--snow); font-size: .95rem; }
.sw { width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--line); }

/* Bücher */
.books { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .books { grid-template-columns: 1fr; } }
.book { display: grid; grid-template-rows: auto 1fr; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.book-cover { aspect-ratio: 16 / 10; display: grid; place-items: center; padding: 22px; text-align: center; position: relative; }
.book-cover .bt { font-weight: 700; font-size: 1.25rem; line-height: 1.2; color: #fff; }
.book-cover .ba { margin-top: 8px; font-size: .85rem; color: rgba(255, 255, 255, .8); letter-spacing: .08em; text-transform: uppercase; }
.book-body { padding: 20px 22px 22px; }
.book-body .why { margin-top: 12px; padding-top: 12px; border-top: 1px solid var(--line); font-size: .92rem; color: var(--snow); }

/* ============ Teaser-Band ============ */
.band { background: linear-gradient(120deg, var(--surface-2), var(--mountain)); border-radius: 22px; padding: 36px; display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center; }
.band h2 { margin-bottom: .3em; }
.band p { margin: 0; color: var(--snow); }
@media (max-width: 700px) { .band { grid-template-columns: 1fr; padding: 26px; } }

.big-number { font-size: clamp(2.4rem, 6vw, 3.6rem); font-weight: 700; color: var(--orange); line-height: 1.1; }

/* ============ Footer ============ */
.site-footer { border-top: 1px solid var(--line); background: #0f1531; padding: 48px 0 28px; margin-top: 40px; color: var(--muted); font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 960px) and (min-width: 761px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.site-footer h4 { color: #fff; font-size: .95rem; margin-bottom: .8em; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer a { color: var(--snow); }
.disclaimer { border-top: 1px solid var(--line); margin-top: 32px; padding-top: 20px; font-size: .82rem; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; } }

/* Reveal */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .5s, transform .5s; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }