/* ==========================================================================
   Parigon Existenzschutz — Gestaltung
   Die Farben kommen als CSS-Variablen aus config.php und werden im
   Seitenkopf gesetzt. Hier stehen nur Maße, Abstände und Formen.
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body.iv-page {
  margin: 0;
  padding-top: var(--c-top, 0px);
  font-family: var(--c-font, system-ui, sans-serif);
  color: var(--c-text);
  background: var(--c-bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

.iv-page a { color: var(--c-primary); text-decoration: none; }
.iv-page a:hover { text-decoration: underline; }

/* ── HINWEISLEISTE ─────────────────────────────────────────────────────── */
.iv-testbanner {
  background: #fdf3d3; color: #6b5200; text-align: center;
  font-size: 13px; font-weight: 700; padding: 8px 16px;
  position: relative; z-index: 2;
}

/* ── KOPFZEILE ─────────────────────────────────────────────────────────── */
.iv-header {
  background: var(--c-primary);
  padding: 0 24px; height: 62px;
  display: flex; align-items: center;
  box-shadow: 0 2px 12px rgba(51, 69, 102, .18);
}
.iv-header img { height: 36px; width: auto; display: block; }
.iv-header-logo-text {
  font-size: 22px; font-weight: 800; color: #fff; letter-spacing: -.5px;
}
/* Helle Kopfzeile für farbige Logos. */
.iv-header.hell {
  background: #fff;
  border-bottom: 1px solid var(--c-border);
  box-shadow: none;
}
.iv-header.hell .iv-header-logo-text { color: var(--c-primary); }

/* ── FORTSCHRITT ───────────────────────────────────────────────────────── */
.iv-progress {
  background: #fff;
  border-bottom: 1px solid var(--c-border);
  padding: 14px 24px;
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap;
}
.iv-step {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; font-weight: 600; color: var(--c-muted);
}
.iv-step-num {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--c-border); color: var(--c-text);
  display: grid; place-items: center;
  font-size: 11px; font-weight: 700;
}
.iv-step.done, .iv-step.current { color: var(--c-primary); }
.iv-step.done .iv-step-num { background: var(--c-cta); color: var(--c-cta-text); }
.iv-step.current .iv-step-num { background: var(--c-primary); color: #fff; }
.iv-step-sep { width: 32px; height: 2px; background: var(--c-border); margin: 0 6px; }
.iv-step.done + .iv-step-sep { background: var(--c-cta); opacity: .6; }

/* ── LAYOUT ────────────────────────────────────────────────────────────── */
.iv-wrapper { max-width: 800px; margin: 0 auto; padding: 32px 16px 48px; }

/* ── BESTÄTIGUNGSBANNER ────────────────────────────────────────────────── */
.iv-success {
  background: var(--c-primary);
  border-radius: 14px;
  padding: 22px 28px; margin: 0 0 28px;
  display: flex; align-items: flex-start; gap: 16px;
}
.iv-success-icon {
  width: 46px; height: 46px; flex: 0 0 46px;
  background: var(--c-cta); border-radius: 50%;
  display: grid; place-items: center;
}
.iv-success-icon svg { color: var(--c-primary-dark); }
.iv-success-body h1 {
  margin: 0 0 4px; font-size: clamp(18px, 3vw, 22px);
  font-weight: 800; color: #fff; line-height: 1.2;
}
.iv-success-body p { margin: 0; font-size: 14px; color: rgba(255, 255, 255, .72); }

/* ── KARTE ─────────────────────────────────────────────────────────────── */
.iv-card {
  background: #fff; border-radius: 14px;
  box-shadow: 0 10px 36px rgba(51, 69, 102, .08);
  padding: 36px 40px 32px; border: 1px solid var(--c-border);
}

.iv-eyebrow {
  display: inline-block;
  background: var(--c-primary-soft); color: var(--c-primary);
  font-size: 11.5px; font-weight: 700;
  padding: 4px 12px; border-radius: 999px;
  letter-spacing: .05em; text-transform: uppercase;
  margin-bottom: 12px;
}
.iv-card-title {
  font-size: clamp(22px, 3vw, 28px); font-weight: 800;
  color: var(--c-primary); margin: 0 0 10px; line-height: 1.2;
}
.iv-lead { color: var(--c-muted); margin: 0 0 24px; font-size: 15px; }
.iv-lead strong { color: var(--c-primary); }

.iv-voluntary {
  background: var(--c-primary-soft);
  border-left: 4px solid var(--c-primary);
  border-radius: 8px; padding: 12px 16px;
  font-size: 13.5px; color: var(--c-text); margin: 0 0 22px;
}

/* ── MERKMALE ──────────────────────────────────────────────────────────── */
.iv-facts {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
  background: var(--c-primary-soft); border: 1px solid var(--c-primary-tint);
  border-radius: 10px; padding: 14px 16px; margin: 0 0 24px;
}
.iv-fact { display: flex; align-items: center; gap: 10px; font-size: 13.5px; }
.iv-fact-icon {
  width: 20px; height: 20px; flex: 0 0 20px;
  background: var(--c-cta); border-radius: 50%;
  display: grid; place-items: center;
}
.iv-fact-icon svg { color: var(--c-primary-dark); }

/* ── FORMULARFELDER ────────────────────────────────────────────────────── */
.field { display: flex; flex-direction: column; gap: 5px; margin-bottom: 16px; }
.field.full { grid-column: 1 / -1; }
.field label {
  font-size: 11px; color: var(--c-muted);
  text-transform: uppercase; letter-spacing: .08em; font-weight: 700;
}
.field input, .field select {
  padding: 12px 13px; border: 1px solid var(--c-border);
  border-radius: 8px; font: inherit; font-size: 15px;
  background: #fff; color: var(--c-text); width: 100%;
  transition: border-color .15s, box-shadow .15s;
}
.field select {
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236C6D6B' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
  background-repeat: no-repeat; background-position: right 12px center;
  background-size: 16px; padding-right: 38px;
}
.field input:focus, .field select:focus {
  outline: 0; border-color: var(--c-primary);
  box-shadow: 0 0 0 3px rgba(76, 104, 153, .18);
}
.field-hint { font-size: 12px; color: var(--c-muted); }
.field-error { font-size: 12.5px; color: #b3261e; font-weight: 600; }

.dob-grid { display: grid; grid-template-columns: 1fr 1.4fr 1fr; gap: 8px; }

.input-suffix { position: relative; display: flex; align-items: center; }
.input-suffix input { padding-right: 38px; }
.input-suffix span {
  position: absolute; right: 14px;
  color: var(--c-muted); font-weight: 700; pointer-events: none;
}

.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.field-grid .field { margin-bottom: 14px; }

.iv-rechner { margin: 0 0 8px; }

/* ── TARIFWAHL ─────────────────────────────────────────────────────────── */
.iv-tariffs {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px;
  margin: 0 0 22px; padding: 4px;
  background: var(--c-primary-soft); border: 1px solid var(--c-primary-tint);
  border-radius: 999px;
}
.iv-tariffs label {
  position: relative; cursor: pointer;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  padding: 8px 10px; margin: 0; border-radius: 999px;
  font-size: 13px; color: var(--c-muted); font-weight: 600;
  line-height: 1.15; text-align: center;
  transition: background .15s, color .15s;
}
.iv-tariffs input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; }
.iv-tariffs label:has(input:checked) {
  background: var(--c-primary); color: #fff;
  box-shadow: 0 4px 12px rgba(51, 69, 102, .22);
}
.iv-tariffs label:focus-within { outline: 2px solid var(--c-primary); outline-offset: 2px; }
.iv-tariff-price { display: block; font-size: 11px; font-weight: 500; opacity: .8; margin: 2px 0 0; }

/* ── ANGEBOT ───────────────────────────────────────────────────────────── */
.iv-offer {
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 20px; align-items: center;
  border: 2px solid var(--c-primary);
  background: linear-gradient(180deg, var(--c-primary-soft) 0%, #DCE5F3 100%);
  border-radius: 12px; padding: 22px; margin: 0 0 22px; position: relative;
}
.iv-offer::before {
  content: "Empfohlen";
  position: absolute; top: -12px; left: 20px;
  background: var(--c-cta); color: var(--c-cta-text);
  font-size: 11px; font-weight: 800;
  padding: 4px 12px; border-radius: 999px;
  letter-spacing: .06em; text-transform: uppercase;
}
.iv-offer h2 { margin: 0 0 10px; color: var(--c-primary); font-size: 18px; font-weight: 800; }
.iv-offer ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 5px; }
.iv-offer ul li { font-size: 13.5px; color: var(--c-text); padding-left: 22px; position: relative; }
.iv-offer ul li::before {
  content: ""; position: absolute; left: 0; top: 6px;
  width: 14px; height: 14px; background: var(--c-cta); border-radius: 50%;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23233046' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-size: 9px 9px; background-repeat: no-repeat; background-position: center;
}
.iv-offer-price { text-align: center; }
.iv-offer-price .amount { font-size: 38px; font-weight: 800; color: var(--c-primary); line-height: 1; }
.iv-offer-price .per { font-size: 12px; color: var(--c-muted); margin-top: 4px; }

/* ── STAMMDATEN ────────────────────────────────────────────────────────── */
.iv-customer {
  background: var(--c-primary-soft); border: 1px solid var(--c-primary-tint);
  border-radius: 10px; padding: 18px; margin: 0 0 22px;
}
.iv-customer-head { margin-bottom: 12px; }
.iv-customer-head h3 {
  margin: 0; font-size: 13.5px; font-weight: 700;
  color: var(--c-primary); letter-spacing: .02em;
}
.customer-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 24px; font-size: 14px; }
.row-item { display: flex; flex-direction: column; gap: 2px; }
.row-item.full { grid-column: 1 / -1; }
.lbl {
  font-size: 10.5px; color: var(--c-muted);
  text-transform: uppercase; letter-spacing: .08em; font-weight: 700;
}
.val { color: var(--c-text); }
.sepa-mandate-note { margin: 10px 0 0; font-size: 11px; color: var(--c-muted); line-height: 1.5; }

/* ── DOKUMENTE ─────────────────────────────────────────────────────────── */
.iv-docs {
  border: 1px solid var(--c-border); border-radius: 14px;
  padding: 18px 20px; margin: 0 0 22px; background: #fff;
}
.iv-docs h3 { margin: 0 0 6px; font-size: 15px; font-weight: 800; }
.iv-docs p { margin: 0 0 10px; font-size: 13px; color: var(--c-muted); }
.iv-docs ul { margin: 0; padding-left: 18px; }
.iv-docs li { font-size: 13.5px; margin: 5px 0; }

/* ── PFLICHTHAKEN ──────────────────────────────────────────────────────── */
.iv-checklist { display: grid; gap: 10px; margin: 0 0 22px; }
.iv-check {
  display: grid; grid-template-columns: 20px 1fr; gap: 12px; align-items: start;
  padding: 12px 14px; background: var(--c-primary-soft);
  border: 1px solid var(--c-primary-tint); border-radius: 10px;
  font-size: 12.5px; color: var(--c-text); line-height: 1.55; cursor: pointer;
}
.iv-check input {
  accent-color: var(--c-primary); width: 18px; height: 18px;
  margin: 2px 0 0; align-self: start;
}

/* ── KNÖPFE ────────────────────────────────────────────────────────────── */
.btn-primary {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  width: 100%; padding: 17px 24px; border-radius: 999px;
  font-weight: 800; font-size: 15px;
  border: 0; cursor: pointer; font-family: inherit;
  background: var(--c-cta); color: var(--c-cta-text);
  box-shadow: 0 8px 22px rgba(91, 228, 155, .38);
  transition: transform .15s, box-shadow .15s, background .15s;
  text-decoration: none;
}
.btn-primary:hover {
  background: var(--c-cta-hover); transform: translateY(-1px);
  box-shadow: 0 12px 28px rgba(91, 228, 155, .45); text-decoration: none;
}
.btn-primary[disabled] { opacity: .6; cursor: progress; transform: none; }

/* Der Weg ohne Abschluss muss gleichwertig erreichbar sein —
   deshalb bewusst kein ausgegrauter Link. */
.btn-link {
  display: flex; align-items: center; justify-content: center;
  width: 100%; margin-top: 14px; padding: 13px 20px;
  border: 1.5px solid var(--c-primary); border-radius: 999px;
  color: var(--c-primary); font-size: 14px; font-weight: 700;
  text-decoration: none; background: transparent;
  cursor: pointer; font-family: inherit;
}
.btn-link:hover { background: var(--c-primary-soft); color: var(--c-primary-dark); text-decoration: none; }

.submit-hint { text-align: center; color: var(--c-muted); font-size: 12px; margin: 10px 0 0; }
.legal-note { text-align: center; color: var(--c-muted); font-size: 12px; margin: 22px 0 0; }

.iv-priceline { text-align: center; font-size: 15px; margin: 18px 0 10px; }
.iv-priceline strong { color: var(--c-primary); font-size: 19px; }

.iv-formerror {
  margin: 0 0 16px; padding: 12px 14px; border-radius: 10px;
  background: #fdeceb; border: 1px solid #f3b6b0; color: #8f2318;
  font-size: 13.5px; font-weight: 600; text-align: center;
}

/* ── ERKLÄRENDER TEIL ──────────────────────────────────────────────────── */
.iv-edu { margin: 32px 0 0; padding: 28px 0 8px; border-top: 1px solid var(--c-primary-tint); }
.iv-edu-eyebrow {
  text-align: center; font-size: 13px; font-weight: 700;
  color: var(--c-primary); margin: 0 0 4px;
  text-transform: uppercase; letter-spacing: .05em;
}
.iv-edu-title {
  text-align: center; font-size: clamp(20px, 2.6vw, 26px);
  font-weight: 800; color: var(--c-primary); margin: 0 0 10px; line-height: 1.2;
}
.iv-edu-lead { text-align: center; color: var(--c-muted); font-size: 14px; margin: 0 0 22px; }

.iv-pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.iv-pillar {
  background: #fff; border: 2px solid var(--c-cta-tint);
  border-radius: 12px; padding: 20px 16px 18px;
  display: flex; flex-direction: column;
}
.iv-pillar-icon {
  width: 44px; height: 44px; margin: 0 auto 12px;
  background: var(--c-primary); border-radius: 50%;
  display: grid; place-items: center;
}
.iv-pillar-icon svg { color: var(--c-cta); }
.iv-pillar h3 {
  color: var(--c-primary); font-size: 15px; font-weight: 800;
  text-align: center; margin: 0 0 10px;
}
.iv-pillar p {
  color: var(--c-text); font-size: 13px; line-height: 1.5;
  text-align: center; margin: 0 0 14px; flex: 1 1 auto;
}
.iv-pill {
  align-self: center; background: var(--c-cta-soft); color: var(--c-primary);
  font-weight: 700; font-size: 12px; padding: 6px 14px; border-radius: 999px;
  text-align: center; border: 1px solid var(--c-cta-tint);
}

.iv-scenarios { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.iv-scenario {
  background: var(--c-primary-soft); border: 1px solid var(--c-primary-tint);
  border-radius: 12px; padding: 18px 18px 16px;
}
.iv-scenario-eyebrow {
  text-align: center; font-size: 12px; color: var(--c-muted);
  font-weight: 600; margin: 0 0 2px;
  text-transform: uppercase; letter-spacing: .05em;
}
.iv-scenario h3 {
  text-align: center; color: var(--c-primary);
  font-size: 19px; font-weight: 800; margin: 0 0 16px;
}
.edu-row {
  display: flex; justify-content: space-between; gap: 8px;
  font-size: 13.5px; color: var(--c-text); padding: 4px 0;
}
.edu-row-val { font-weight: 700; }
.edu-gap {
  margin-top: 12px; padding-top: 12px;
  border-top: 1px solid var(--c-primary-tint);
  display: flex; justify-content: space-between; align-items: baseline; gap: 8px;
}
.edu-gap-label { color: var(--c-text); font-size: 13.5px; font-weight: 600; }
.edu-gap-label small { display: block; color: var(--c-muted); font-size: 11px; font-weight: 400; }
.edu-gap-val { color: var(--c-danger); font-weight: 800; font-size: 22px; }
.iv-edu-foot {
  text-align: center; color: var(--c-primary);
  font-size: 13px; line-height: 1.55; margin: 18px 4px 0;
}

/* ── BESTÄTIGUNGSSEITE ─────────────────────────────────────────────────── */
.iv-steps-list { margin: 20px 0 0; padding-left: 20px; }
.iv-steps-list li { font-size: 14px; margin: 10px 0; line-height: 1.55; }

/* ── FUSSZEILE ─────────────────────────────────────────────────────────── */
.iv-footer {
  background: var(--c-primary-dark); text-align: center;
  padding: 18px 24px; font-size: 12px;
  color: rgba(255, 255, 255, .5); margin-top: 48px;
}
.iv-footer p { margin: 4px 0; }
.iv-footer a { color: rgba(255, 255, 255, .65); }

/* ── WERKZEUGSEITE ─────────────────────────────────────────────────────── */
.iv-pre {
  background: #0e1626; color: #dbe4f5; border-radius: 10px;
  padding: 16px; overflow-x: auto; font-size: 12.5px; line-height: 1.5;
}
.iv-table { width: 100%; border-collapse: collapse; font-size: 13.5px; margin: 10px 0 20px; }
.iv-table th, .iv-table td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--c-border); }
.iv-table th { color: var(--c-muted); font-size: 11px; text-transform: uppercase; letter-spacing: .06em; }
.iv-ok { color: #1e7a3c; font-weight: 700; }
.iv-bad { color: #b3261e; font-weight: 700; }

/* ── SCHMALE BILDSCHIRME ───────────────────────────────────────────────── */
@media (max-width: 620px) {
  .iv-card { padding: 24px 20px; }
  .iv-facts { grid-template-columns: 1fr; }
  .iv-offer { grid-template-columns: 1fr; text-align: center; }
  .iv-offer ul li { text-align: left; }
  .iv-pillars { grid-template-columns: 1fr; }
  .iv-scenarios { grid-template-columns: 1fr; }
  .iv-success { flex-direction: column; align-items: center; text-align: center; }
  .iv-tariffs { grid-template-columns: 1fr; border-radius: 14px; }
  .iv-tariffs label { border-radius: 10px; }
}
@media (max-width: 520px) {
  .customer-summary { grid-template-columns: 1fr; }
  .field-grid { grid-template-columns: 1fr; }
  .dob-grid { grid-template-columns: 1fr 1.4fr 1fr; }
}

/* ── RECHTSTEXTE ───────────────────────────────────────────────────────── */
.iv-rechtstext { font-size: 15px; }
.iv-rechtstext h2 {
  font-size: 18px; font-weight: 800; color: var(--c-primary);
  margin: 32px 0 10px; line-height: 1.3;
}
.iv-rechtstext h3 {
  font-size: 15px; font-weight: 700; color: var(--c-text);
  margin: 22px 0 6px;
}
.iv-rechtstext p { margin: 0 0 12px; line-height: 1.65; }
.iv-rechtstext ul { margin: 0 0 12px; padding-left: 20px; }
.iv-rechtstext li { margin: 6px 0; line-height: 1.6; }
.iv-rechtstext code {
  background: var(--c-primary-soft); border-radius: 4px;
  padding: 1px 5px; font-size: 13.5px;
}
.iv-rechtstext .iv-table td { vertical-align: top; }
.iv-rechtstext .legal-note {
  margin-top: 32px; padding-top: 16px; border-top: 1px solid var(--c-border);
}
.iv-header a { display: block; line-height: 0; }
.iv-header a:hover { text-decoration: none; }

/* ==========================================================================
   FINANZ-SCHUTZBRIEF — eigene Bausteine dieser Strecke
   ========================================================================== */

.fsb-hero {
  background: var(--c-primary-soft);
  border-bottom: 1px solid var(--c-primary-tint);
  padding: 40px 16px 36px;
}
.fsb-hero-inner { max-width: 860px; margin: 0 auto; text-align: center; }
.fsb-badge {
  display: inline-block; margin: 0 0 14px;
  background: #fff; border: 1px solid var(--c-primary-tint);
  color: var(--c-primary); font-size: 11.5px; font-weight: 700;
  padding: 5px 14px; border-radius: 999px;
  letter-spacing: .05em; text-transform: uppercase;
}
.fsb-hero h1 {
  margin: 0 0 14px; color: var(--c-primary-dark);
  font-size: clamp(23px, 3.4vw, 34px); font-weight: 800; line-height: 1.22;
}
.fsb-hero-lead {
  margin: 0 auto 16px; max-width: 680px;
  color: var(--c-text); font-size: 15.5px; line-height: 1.6;
}
.fsb-doclinks { margin: 0; font-size: 13.5px; color: var(--c-muted); }
.fsb-doclinks a { font-weight: 600; }
.fsb-doclinks span[aria-hidden] { margin: 0 8px; color: var(--c-primary-tint); }
.fsb-doc-fehlt {
  color: var(--c-muted); text-decoration: underline dotted; cursor: help;
}

.fsb-wrapper { max-width: 1060px; }
.fsb-split { display: grid; grid-template-columns: 1fr 320px; gap: 22px; align-items: start; }

.fsb-intro {
  margin: 0 0 20px; font-size: 15px; line-height: 1.6; color: var(--c-text);
}

/* ── Gegenüberstellung ── */
.fsb-vergleich { display: grid; gap: 12px; margin: 0 0 26px; }
.fsb-risiko, .fsb-schutz { border-radius: 12px; padding: 16px 18px; border: 2px solid; }
.fsb-risiko { border-color: var(--c-danger); background: var(--c-danger-soft); }
.fsb-schutz { border-color: var(--c-primary-light); background: var(--c-primary-soft); }
.fsb-risiko h2, .fsb-schutz h2 {
  margin: 0 0 6px; font-size: 15px; font-weight: 800; letter-spacing: .01em;
}
.fsb-risiko h2 { color: var(--c-danger-dark); }
.fsb-schutz h2 { color: var(--c-primary-dark); }
.fsb-risiko p, .fsb-schutz p { margin: 0; font-size: 13.5px; line-height: 1.55; }

.fsb-abschnitt {
  font-size: 17px; font-weight: 800; color: var(--c-primary-dark);
  margin: 28px 0 12px;
}

/* ── Tarifkarten ── */
.fsb-tarife { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 0 0 20px; }
.fsb-tarif {
  position: relative; cursor: pointer; display: block;
  border: 2px solid var(--c-border); border-radius: 12px;
  padding: 16px 16px 14px; background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
.fsb-tarif input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.fsb-tarif:has(input:checked) {
  border-color: var(--c-primary-light);
  box-shadow: 0 0 0 3px var(--c-primary-soft);
}
.fsb-tarif:focus-within { outline: 2px solid var(--c-primary); outline-offset: 2px; }
.fsb-tipp {
  position: absolute; top: -11px; left: 14px;
  background: var(--c-cta); color: var(--c-cta-text);
  font-size: 11px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase;
  padding: 3px 11px; border-radius: 999px;
}
.fsb-tarif-kopf {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 8px; margin-bottom: 10px; flex-wrap: wrap;
}
.fsb-tarif-name { font-size: 15px; font-weight: 800; color: var(--c-primary-dark); }
.fsb-tarif-preis { font-size: 20px; font-weight: 800; color: var(--c-text); white-space: nowrap; }
.fsb-tarif-preis small { font-size: 12px; font-weight: 600; color: var(--c-muted); }
.fsb-tarif-liste { margin: 0; padding: 0; list-style: none; display: grid; gap: 5px; }
.fsb-tarif-liste li { font-size: 13px; padding-left: 20px; position: relative; }
.fsb-tarif-liste li::before {
  content: ""; position: absolute; left: 0; top: 5px;
  width: 13px; height: 13px; border-radius: 50%; background: var(--c-primary-light);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-size: 8px 8px; background-repeat: no-repeat; background-position: center;
}
.fsb-tarif-fuss {
  display: block; margin-top: 12px; padding-top: 10px;
  border-top: 1px solid var(--c-border);
  font-size: 12px; color: var(--c-muted);
}

/* ── Eckdaten ── */
.fsb-eckdaten {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px;
  margin: 0 0 10px; padding: 14px 16px;
  background: var(--c-primary-soft); border: 1px solid var(--c-primary-tint);
  border-radius: 10px;
}
.fsb-eckdaten div { display: flex; flex-direction: column; gap: 3px; }
.fsb-eckdaten dt {
  font-size: 10.5px; color: var(--c-muted);
  text-transform: uppercase; letter-spacing: .08em; font-weight: 700;
}
.fsb-eckdaten dd { margin: 0; font-size: 15px; font-weight: 700; color: var(--c-text); }
.fsb-kleingedruckt { margin: 0 0 8px; font-size: 12px; color: var(--c-muted); line-height: 1.55; }

/* ── Seitenspalte ── */
.fsb-aside {
  background: #fff; border: 1px solid var(--c-border); border-radius: 14px;
  padding: 22px 20px; position: sticky; top: 16px;
  box-shadow: 0 10px 36px rgba(0, 0, 0, .05);
}
.fsb-aside h2 {
  margin: 0 0 16px; font-size: 20px; font-weight: 800;
  color: var(--c-primary-dark); line-height: 1.25;
}
.fsb-aside h2 em { font-style: normal; text-decoration: underline; text-decoration-color: var(--c-cta); text-decoration-thickness: 3px; }
.fsb-vorteile { margin: 0 0 16px; padding: 0; list-style: none; display: grid; gap: 11px; }
.fsb-vorteile li { font-size: 13.5px; padding-left: 26px; position: relative; line-height: 1.45; }
.fsb-vorteile li::before {
  content: ""; position: absolute; left: 0; top: 2px;
  width: 17px; height: 17px; border-radius: 50%; background: var(--c-primary-light);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-size: 10px 10px; background-repeat: no-repeat; background-position: center;
}
.fsb-mehr { font-size: 13.5px; font-weight: 700; }
.fsb-aside-fuss {
  margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--c-border);
  font-size: 12px; color: var(--c-muted); line-height: 1.5;
}
.fsb-aside-fuss p { margin: 0 0 10px; }
.fsb-aside-fuss strong { color: var(--c-text); }

@media (max-width: 900px) {
  .fsb-split { grid-template-columns: 1fr; }
  .fsb-aside { position: static; order: -1; }
}
@media (max-width: 560px) {
  .fsb-tarife { grid-template-columns: 1fr; }
  .fsb-eckdaten { grid-template-columns: 1fr; }
}

/* ── ÜBERSICHTSSEITE ───────────────────────────────────────────────────── */
.wurzel-liste { display: grid; gap: 14px; }
.wurzel-karte {
  display: block; padding: 20px 22px;
  border: 1px solid var(--c-border); border-radius: 12px;
  background: #fff; text-decoration: none; color: inherit;
  transition: border-color .15s, box-shadow .15s, transform .15s;
}
.wurzel-karte:hover {
  border-color: var(--c-primary-light); text-decoration: none;
  box-shadow: 0 8px 24px rgba(0,0,0,.06); transform: translateY(-1px);
}
.wurzel-titel { display: block; font-size: 18px; font-weight: 800; color: var(--c-primary); margin-bottom: 6px; }
.wurzel-text  { display: block; font-size: 14px; color: var(--c-text); line-height: 1.55; margin-bottom: 8px; }
.wurzel-traeger { display: block; font-size: 12px; color: var(--c-muted); }

/* ==========================================================================
   KREDITKARTE — optionales Zusatzprodukt
   ========================================================================== */
.kk {
  border: 2px solid var(--c-primary-tint); border-radius: 14px;
  padding: 22px 22px 18px; margin: 26px 0 22px; background: #fff;
}
.kk-kopf { margin-bottom: 16px; }
.kk-label {
  display: inline-block; margin-bottom: 8px;
  background: var(--c-cta-soft, var(--c-primary-soft));
  border: 1px solid var(--c-primary-tint); color: var(--c-primary);
  font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  padding: 4px 11px; border-radius: 999px;
}
.kk-kopf h2 { margin: 0 0 6px; font-size: 19px; font-weight: 800; color: var(--c-primary-dark); }
.kk-lead { margin: 0; font-size: 14px; color: var(--c-text); line-height: 1.55; }

.kk-body { display: grid; grid-template-columns: 1fr 210px; gap: 20px; align-items: center; margin-bottom: 18px; }
.kk-vorteile ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 7px; }
.kk-vorteile li { font-size: 13.5px; padding-left: 22px; position: relative; line-height: 1.45; }
.kk-vorteile li::before {
  content: ""; position: absolute; left: 0; top: 4px;
  width: 14px; height: 14px; border-radius: 50%; background: var(--c-primary-light);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-size: 9px 9px; background-repeat: no-repeat; background-position: center;
}
.kk-karte svg { width: 100%; height: auto; display: block; border-radius: 12px;
  box-shadow: 0 10px 26px rgba(0,0,0,.16); }
.kk-rahmen { margin: 10px 0 0; text-align: center; font-size: 12.5px; color: var(--c-muted); }
.kk-rahmen strong { color: var(--c-text); }

.kk-wahl { border: 0; padding: 0; margin: 0 0 14px; }
.kk-wahl legend { padding: 0; margin-bottom: 10px; font-size: 15px; font-weight: 700; color: var(--c-text); }
.kk-optionen { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.kk-option {
  display: flex; align-items: center; gap: 10px; cursor: pointer;
  border: 2px solid var(--c-border); border-radius: 10px;
  padding: 13px 15px; font-size: 14.5px; font-weight: 600;
  transition: border-color .15s, background .15s;
}
.kk-option input { accent-color: var(--c-primary); width: 18px; height: 18px; margin: 0; }
.kk-option:has(input:checked) { border-color: var(--c-primary-light); background: var(--c-primary-soft); }
.kk-option:focus-within { outline: 2px solid var(--c-primary); outline-offset: 2px; }

.kk-hinweis {
  margin: 0 0 10px; padding: 12px 14px; border-radius: 10px;
  background: var(--c-primary-soft); border-left: 4px solid var(--c-primary-light);
  font-size: 13px; line-height: 1.55;
}
.kk-fuss { margin: 0; font-size: 12px; color: var(--c-muted); line-height: 1.5; }

/* Bestätigungsseite */
.kk-danke {
  display: flex; gap: 14px; align-items: flex-start;
  border: 2px solid var(--c-primary-light); border-radius: 14px;
  background: var(--c-primary-soft); padding: 18px 20px; margin: 22px 0;
}
.kk-danke-icon {
  flex: 0 0 38px; width: 38px; height: 38px; border-radius: 50%;
  background: var(--c-primary); color: #fff; display: grid; place-items: center;
}
.kk-danke h2 { margin: 0 0 4px; font-size: 16px; font-weight: 800; color: var(--c-primary-dark); }
.kk-danke p { margin: 0; font-size: 13.5px; line-height: 1.55; }

@media (max-width: 640px) {
  .kk-body { grid-template-columns: 1fr; }
  .kk-karte { max-width: 240px; margin: 0 auto; }
  .kk-optionen { grid-template-columns: 1fr; }
}

/* ==========================================================================
   ABLAUF UND FRAGEN — von allen Strecken nutzbar
   ========================================================================== */
.ablauf { margin: 0 0 28px; }
.ablauf-titel, .faq-titel {
  font-size: 19px; font-weight: 800; color: var(--c-primary-dark); margin: 0 0 14px;
}
.ablauf-liste { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; counter-reset: s; }
.ablauf-liste li {
  display: grid; grid-template-columns: 34px 1fr; gap: 14px; align-items: start;
  padding: 13px 15px; border: 1px solid var(--c-border); border-radius: 10px; background: #fff;
}
.ablauf-nr {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--c-primary); color: #fff;
  display: grid; place-items: center; font-size: 13px; font-weight: 800;
}
.ablauf-text { font-size: 13.5px; line-height: 1.55; }
.ablauf-text strong { display: block; color: var(--c-text); font-size: 14.5px; margin-bottom: 2px; }

.faq { margin: 30px 0 0; padding-top: 24px; border-top: 1px solid var(--c-border); }
.faq-eintrag { border: 1px solid var(--c-border); border-radius: 10px; margin-bottom: 8px; background: #fff; }
.faq-eintrag summary {
  cursor: pointer; padding: 14px 16px; font-size: 14.5px; font-weight: 700;
  color: var(--c-primary-dark); list-style: none; position: relative; padding-right: 44px;
}
.faq-eintrag summary::-webkit-details-marker { display: none; }
.faq-eintrag summary::after {
  content: ""; position: absolute; right: 16px; top: 50%; width: 11px; height: 11px;
  margin-top: -7px; border-right: 2.5px solid var(--c-primary); border-bottom: 2.5px solid var(--c-primary);
  transform: rotate(45deg); transition: transform .18s;
}
.faq-eintrag[open] summary::after { transform: rotate(-135deg); margin-top: -3px; }
.faq-eintrag summary:focus-visible { outline: 2px solid var(--c-primary); outline-offset: -2px; border-radius: 10px; }
.faq-antwort { padding: 0 16px 15px; font-size: 13.5px; line-height: 1.6; color: var(--c-text); }

/* ==========================================================================
   ZUSCHUSS PLUS
   ========================================================================== */
.zp-hero { background: var(--c-primary-soft); border-bottom: 1px solid var(--c-primary-tint); padding: 38px 16px 32px; }
.zp-hero-inner { max-width: 760px; margin: 0 auto; text-align: center; }
.zp-badge {
  display: inline-block; margin: 0 0 16px; background: #fff;
  border: 1px solid var(--c-primary-tint); color: var(--c-primary);
  font-size: 11.5px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 999px;
}
.zp-zahl {
  font-size: clamp(52px, 11vw, 88px); font-weight: 800; line-height: 1;
  color: var(--c-primary-dark); letter-spacing: -.02em;
}
.zp-hero h1 { margin: 6px 0 20px; font-size: clamp(16px, 2.4vw, 20px); font-weight: 700; color: var(--c-text); }
.zp-split-zahl { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; max-width: 420px; margin: 0 auto 14px; }
.zp-split-zahl div {
  background: #fff; border: 1px solid var(--c-primary-tint); border-radius: 10px;
  padding: 12px 10px; font-size: 12.5px; color: var(--c-muted);
}
.zp-split-zahl span { display: block; font-size: 21px; font-weight: 800; color: var(--c-text); margin-bottom: 2px; }
.zp-hero-fuss { margin: 0 auto 14px; max-width: 600px; font-size: 13px; color: var(--c-muted); line-height: 1.55; }
.zp-doclinks { margin: 0; font-size: 13px; }
.zp-doclinks span[aria-hidden] { margin: 0 8px; color: var(--c-primary-tint); }

.zp-was {
  border: 2px solid var(--c-primary-tint); background: var(--c-primary-soft);
  border-radius: 12px; padding: 16px 18px; margin: 0 0 24px;
}
.zp-was h2 { margin: 0 0 6px; font-size: 15px; font-weight: 800; color: var(--c-primary-dark); }
.zp-was p { margin: 0; font-size: 13.5px; line-height: 1.6; }

.zp-abschnitt { font-size: 17px; font-weight: 800; color: var(--c-primary-dark); margin: 26px 0 4px; }
.zp-abschnitt-lead { margin: 0 0 14px; font-size: 13.5px; color: var(--c-muted); line-height: 1.55; }

.zp-hinweis {
  margin: 26px 0 0; padding: 16px 18px;
  border: 1px solid var(--c-border); border-radius: 10px; background: #fff;
}
.zp-hinweis p { margin: 0; font-size: 12.5px; color: var(--c-muted); line-height: 1.6; }

@media (max-width: 480px) { .zp-split-zahl { grid-template-columns: 1fr; } }