:root {
  --bg: #f5f7fa;
  --surface: #ffffff;
  --surface-2: #eef2f6;
  --ink: #10202a;
  --muted: #5e6d77;
  --line: rgba(16, 32, 42, .12);
  --accent: #d6a43a;
  --accent-2: #063f46;
  --accent-soft: rgba(214, 164, 58, .14);
  --hero-glow: rgba(214, 164, 58, .24);
  --button-glow: rgba(214, 164, 58, .30);
  --hero-glow-2: rgba(6, 63, 70, .62);
  --dark: #071116;
  --dark-2: #0d2027;
  --white: #ffffff;
  --shadow: 0 24px 70px rgba(7, 17, 22, .13);
  --shadow-soft: 0 14px 36px rgba(7, 17, 22, .09);
  --radius: 24px;
  --radius-sm: 15px;
  --container: min(1180px, calc(100% - 40px));
}

body.theme-onlinefinanz {
  --accent: #ff8a1c;
  --accent-2: #123f72;
  --accent-soft: rgba(255, 138, 28, .14);
  --hero-glow: rgba(255, 138, 28, .24);
  --button-glow: rgba(255, 138, 28, .30);
  --hero-glow-2: rgba(18, 63, 114, .62);
  --dark: #091527;
  --dark-2: #102c4d;
}

body.theme-onlinejustiz {
  --accent: #40b8a8;
  --accent-2: #392e78;
  --accent-soft: rgba(64, 184, 168, .14);
  --hero-glow: rgba(64, 184, 168, .24);
  --button-glow: rgba(64, 184, 168, .30);
  --hero-glow-2: rgba(57, 46, 120, .62);
  --dark: #0b1022;
  --dark-2: #222052;
}

body.theme-meinkonto {
  --accent: #5d8cff;
  --accent-2: #173d7a;
  --accent-soft: rgba(93, 140, 255, .14);
  --hero-glow: rgba(93, 140, 255, .24);
  --button-glow: rgba(93, 140, 255, .30);
  --hero-glow-2: rgba(23, 61, 122, .62);
  --dark: #07172f;
  --dark-2: #123565;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }

.skip-link {
  position: fixed;
  left: 18px;
  top: -80px;
  z-index: 999;
  padding: 10px 14px;
  border-radius: 10px;
  background: var(--accent);
  color: #071116;
  font-weight: 800;
  transition: top .2s ease;
}
.skip-link:focus { top: 18px; }

.container { width: var(--container); margin-inline: auto; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 8px 12px;
  border: 1px solid rgba(255,255,255,.17);
  border-radius: 999px;
  background: rgba(255,255,255,.08);
  color: rgba(255,255,255,.88);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.eyebrow::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 18px var(--accent);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid rgba(255,255,255,.08);
  background: rgba(7,17,22,.90);
  color: #fff;
  backdrop-filter: blur(16px);
}
.header-inner {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  min-width: 0;
}
.brand-mark {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--accent), rgba(255,255,255,.82));
  color: var(--dark);
  font-weight: 950;
  letter-spacing: -.05em;
  box-shadow: 0 10px 30px rgba(0,0,0,.24);
  flex: 0 0 auto;
}
.brand-copy { min-width: 0; }
.brand-name {
  display: block;
  color: #fff;
  font-weight: 900;
  letter-spacing: -.03em;
  line-height: 1.1;
  white-space: nowrap;
}
.brand-sub {
  display: block;
  color: rgba(255,255,255,.62);
  font-size: .72rem;
  margin-top: 3px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  border: 1px solid rgba(255,255,255,.14);
  background: rgba(255,255,255,.06);
  color: #fff;
  cursor: pointer;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block;
  width: 20px;
  height: 2px;
  margin: auto;
  background: currentColor;
  content: "";
  transition: .2s ease;
}
.nav-toggle span::before { transform: translateY(-6px); }
.nav-toggle span::after { transform: translateY(4px); }
.site-nav { display: flex; align-items: center; gap: 20px; }
.site-nav a {
  color: rgba(255,255,255,.76);
  text-decoration: none;
  font-size: .92rem;
  font-weight: 700;
}
.site-nav a:hover, .site-nav a:focus-visible { color: #fff; }
.site-nav .nav-cta {
  min-height: 42px;
  display: inline-flex;
  align-items: center;
  padding: 0 15px;
  border-radius: 12px;
  background: var(--accent);
  color: var(--dark);
  font-weight: 900;
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 78% 18%, var(--hero-glow), transparent 27%),
    radial-gradient(circle at 12% 90%, var(--hero-glow-2), transparent 32%),
    linear-gradient(135deg, var(--dark), var(--dark-2));
  color: #fff;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: .11;
  background-image: linear-gradient(rgba(255,255,255,.18) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.18) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to bottom, #000, transparent 90%);
}
.hero-grid {
  position: relative;
  z-index: 1;
  min-height: 680px;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(330px, .8fr);
  align-items: center;
  gap: 58px;
  padding: 80px 0;
}
.hero h1 {
  max-width: 12ch;
  margin: 18px 0 20px;
  font-size: clamp(2.8rem, 6vw, 5.6rem);
  line-height: .96;
  letter-spacing: -.065em;
}
.hero h1 .accent { color: var(--accent); }
.hero-lead {
  max-width: 63ch;
  margin: 0;
  color: rgba(255,255,255,.76);
  font-size: clamp(1.05rem, 1.8vw, 1.23rem);
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.button {
  min-height: 50px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 0 19px;
  border: 1px solid transparent;
  border-radius: 14px;
  text-decoration: none;
  font-weight: 900;
  transition: transform .18s ease, background .18s ease, border-color .18s ease;
}
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--accent); color: var(--dark); box-shadow: 0 14px 32px var(--button-glow); }
.button-secondary { background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.17); color: #fff; }
.button-dark { background: var(--dark); color: #fff; }
.button-outline { border-color: var(--line); background: transparent; color: var(--ink); }
.button[aria-disabled="true"] { opacity: .58; cursor: not-allowed; pointer-events: none; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 30px; }
.trust-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 11px;
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 999px;
  color: rgba(255,255,255,.72);
  font-size: .82rem;
  font-weight: 700;
  background: rgba(255,255,255,.05);
}
.trust-chip::before { content: "✓"; color: var(--accent); font-weight: 950; }

.hero-panel {
  position: relative;
  padding: 28px;
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 28px;
  background: linear-gradient(180deg, rgba(255,255,255,.11), rgba(255,255,255,.055));
  box-shadow: 0 32px 90px rgba(0,0,0,.35);
  backdrop-filter: blur(16px);
}
.hero-panel::before {
  content: "";
  position: absolute;
  width: 110px;
  height: 5px;
  left: 28px;
  top: 0;
  border-radius: 0 0 8px 8px;
  background: var(--accent);
}
.hero-panel h2 { margin: 10px 0 12px; font-size: 1.65rem; line-height: 1.2; }
.hero-panel p { color: rgba(255,255,255,.70); }
.panel-list { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 12px; }
.panel-list li {
  display: grid;
  grid-template-columns: 38px 1fr;
  align-items: start;
  gap: 12px;
  padding: 13px;
  border: 1px solid rgba(255,255,255,.10);
  border-radius: 14px;
  background: rgba(255,255,255,.05);
}
.panel-list strong { display: block; font-size: .93rem; color: #fff; }
.panel-list small { display: block; color: rgba(255,255,255,.58); margin-top: 2px; line-height: 1.45; }
.panel-index {
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: var(--accent-soft);
  color: var(--accent);
  font-weight: 950;
}

.section { padding: 92px 0; }
.section-sm { padding: 66px 0; }
.section-dark { background: var(--dark); color: #fff; }
.section-soft { background: var(--surface-2); }
.section-head { display: grid; grid-template-columns: .8fr 1.2fr; gap: 44px; align-items: end; margin-bottom: 38px; }
.kicker { margin: 0 0 8px; color: var(--accent-2); font-size: .78rem; font-weight: 950; letter-spacing: .12em; text-transform: uppercase; }
.section-dark .kicker { color: var(--accent); }
.section h2, .legal-main h1 { margin: 0; font-size: clamp(2rem, 4vw, 3.55rem); line-height: 1.05; letter-spacing: -.045em; }
.section-intro { margin: 0; color: var(--muted); font-size: 1.05rem; }
.section-dark .section-intro { color: rgba(255,255,255,.68); }
.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card {
  position: relative;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}
.card::after {
  content: "";
  position: absolute;
  width: 90px;
  height: 90px;
  right: -30px;
  top: -30px;
  border-radius: 50%;
  background: var(--accent-soft);
}
.card-number {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: var(--accent-soft);
  color: var(--accent-2);
  font-size: .86rem;
  font-weight: 950;
}
.card h3 { position: relative; z-index: 1; margin: 20px 0 9px; font-size: 1.17rem; line-height: 1.25; }
.card p { position: relative; z-index: 1; margin: 0; color: var(--muted); }
.card a.inline-link { position: relative; z-index: 1; display: inline-flex; margin-top: 17px; color: var(--accent-2); font-weight: 900; text-decoration: none; }
.card a.inline-link:hover { text-decoration: underline; }

.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, .8fr); gap: 54px; align-items: center; }
.copy p { color: var(--muted); }
.data-card {
  padding: 28px;
  border-radius: 26px;
  background: linear-gradient(135deg, var(--dark), var(--dark-2));
  color: #fff;
  box-shadow: var(--shadow);
}
.data-card h3 { margin-top: 0; }
.data-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 11px; }
.data-list li { display: grid; grid-template-columns: 132px 1fr; gap: 12px; padding-bottom: 10px; border-bottom: 1px solid rgba(255,255,255,.10); }
.data-list li:last-child { border: 0; padding-bottom: 0; }
.data-list span { color: rgba(255,255,255,.55); font-size: .86rem; }
.data-list strong { font-size: .9rem; overflow-wrap: anywhere; }

.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.step {
  position: relative;
  padding: 26px 22px;
  border-top: 3px solid var(--accent);
  border-radius: 0 0 18px 18px;
  background: var(--surface);
  box-shadow: var(--shadow-soft);
}
.step::before { counter-increment: step; content: counter(step, decimal-leading-zero); display: block; margin-bottom: 24px; color: var(--accent-2); font-size: 1.6rem; font-weight: 950; }
.step h3 { margin: 0 0 8px; }
.step p { margin: 0; color: var(--muted); font-size: .92rem; }

.callout {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 30px;
  padding: 36px;
  border-radius: 28px;
  color: #fff;
  background: linear-gradient(135deg, var(--accent-2), var(--dark));
  box-shadow: var(--shadow);
}
.callout h2 { font-size: clamp(1.8rem, 3.5vw, 3rem); }
.callout p { max-width: 70ch; color: rgba(255,255,255,.7); margin-bottom: 0; }

.faq { display: grid; gap: 12px; }
details {
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--surface);
  box-shadow: 0 8px 22px rgba(7,17,22,.05);
}
summary { cursor: pointer; padding: 18px 22px; font-weight: 900; }
details p { padding: 0 22px 20px; margin: 0; color: var(--muted); }

.contact-band { background: var(--surface); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.contact-card {
  padding: 28px;
  border-radius: 24px;
  border: 1px solid var(--line);
  background: var(--surface);
}
.contact-card h3 { margin-top: 0; }
.contact-list { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 10px; }
.contact-list a { font-weight: 850; text-decoration: none; color: var(--accent-2); }
.notice {
  padding: 16px 18px;
  border-left: 4px solid var(--accent);
  border-radius: 0 14px 14px 0;
  background: var(--accent-soft);
  color: var(--ink);
}

.site-footer { padding: 48px 0 24px; background: #060d11; color: rgba(255,255,255,.66); }
.footer-grid { display: grid; grid-template-columns: 1.4fr .8fr .8fr; gap: 36px; }
.site-footer h2, .site-footer h3 { color: #fff; margin-top: 0; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.footer-links a { color: rgba(255,255,255,.68); text-decoration: none; }
.footer-links a:hover { color: #fff; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; margin-top: 34px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.09); font-size: .85rem; }

.legal-hero { padding: 70px 0 46px; background: linear-gradient(135deg, var(--dark), var(--dark-2)); color: #fff; }
.legal-hero p { color: rgba(255,255,255,.7); }
.legal-main { padding: 62px 0 90px; }
.legal-main article { max-width: 860px; }
.legal-main h2 { margin: 34px 0 8px; font-size: 1.5rem; }
.legal-main h3 { margin: 24px 0 7px; }
.legal-main p, .legal-main li { color: var(--muted); }
.legal-main a { color: var(--accent-2); }
.back-link { display: inline-flex; margin-top: 16px; color: #fff; font-weight: 800; text-decoration: none; }

@media (max-width: 980px) {
  .nav-toggle { display: grid; place-items: center; }
  .site-nav {
    position: absolute;
    left: 20px;
    right: 20px;
    top: 68px;
    display: none;
    align-items: stretch;
    flex-direction: column;
    gap: 4px;
    padding: 14px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 16px;
    background: #0a151b;
    box-shadow: var(--shadow);
  }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 10px 12px; }
  .site-nav .nav-cta { justify-content: center; }
  .hero-grid { grid-template-columns: 1fr; min-height: auto; padding: 70px 0; }
  .hero-panel { max-width: 680px; }
  .section-head, .split { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > :first-child { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  :root { --container: min(100% - 28px, 1180px); }
  .brand-sub { display: none; }
  .brand-name { font-size: .95rem; }
  .hero-grid { gap: 34px; padding: 58px 0; }
  .hero h1 { font-size: clamp(2.45rem, 13vw, 4.1rem); }
  .hero-panel { padding: 22px; }
  .section { padding: 70px 0; }
  .section-sm { padding: 52px 0; }
  .grid-2, .grid-3, .steps, .contact-grid, .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > :first-child { grid-column: auto; }
  .callout { grid-template-columns: 1fr; padding: 28px; }
  .callout .button { width: 100%; }
  .footer-bottom { flex-direction: column; }
  .data-list li { grid-template-columns: 1fr; gap: 2px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .001ms !important; animation-duration: .001ms !important; }
}