/* =========================================================================
   KartenKompass — Designsystem
   Farbwelt: Royal Blue + Weiß (American-Express-nah), clean & premium
   ========================================================================= */

:root {
  --navy:       #07215C;   /* tiefes Royal-Navy (dunkle Sektionen) */
  --navy-2:     #0B2C6F;
  --royal:      #1652D6;   /* primäres Royal Blue */
  --royal-2:    #006FCF;   /* Amex-Blau (Verläufe/Hover) */
  --royal-soft: #E7EEFB;   /* sehr helles Blau (Flächen) */
  --white:      #FFFFFF;
  --paper:      #FFFFFF;
  --paper-2:    #F4F7FC;   /* fast weiß, leicht blau */
  --gold:       #C9A227;   /* nur für Karten-/Akzentdetails */
  --line:       #E2E8F2;
  --text:       #16223A;
  --text-muted: #5A6679;
  --radius:     16px;
  --radius-sm:  10px;
  --shadow:     0 8px 30px rgba(7,33,92,.08);
  --shadow-lg:  0 24px 60px rgba(7,33,92,.18);
  --serif: "Manrope", "Inter", system-ui, sans-serif;   /* Display/Headlines */
  --sans:  "Inter", system-ui, -apple-system, sans-serif;
  --maxw: 1140px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--sans); color: var(--text); line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  background-color: var(--paper);
  /* dezentes, edles Muster auf weißen Flächen — feine diagonale Linien */
  background-image: repeating-linear-gradient(45deg, rgba(7,33,92,.022) 0, rgba(7,33,92,.022) 1px, transparent 1px, transparent 16px);
}
h1, h2, h3 { font-family: var(--serif); font-weight: 700; line-height: 1.12; letter-spacing: -.02em; color: var(--navy); margin: 0 0 .4em; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 800; letter-spacing: -.03em; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.4rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }
a { color: var(--royal); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 760px; }

.eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .74rem; font-weight: 700; color: var(--royal); margin: 0 0 .6rem; }
.section { padding: 84px 0; }
.section-alt { background: var(--paper-2); }
.section-head { max-width: 720px; margin: 0 0 44px; }
.section-lead { color: var(--text-muted); font-size: 1.05rem; }
.micro-note { font-size: .8rem; color: var(--text-muted); margin-top: 24px; }
.micro-note code { background: var(--royal-soft); padding: 1px 6px; border-radius: 4px; font-size: .78rem; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .4em; font-family: var(--sans); font-weight: 600; font-size: .98rem; padding: 14px 26px; border-radius: 999px; border: 1.5px solid transparent; cursor: pointer; text-decoration: none; transition: transform .15s, box-shadow .2s, background .2s; }
.btn:hover { transform: translateY(-2px); }
.btn-sm { padding: 9px 18px; font-size: .88rem; }
.btn-lg { padding: 17px 34px; font-size: 1.05rem; }
.btn-gold { background: linear-gradient(135deg, var(--royal), var(--royal-2)); color: #fff; box-shadow: 0 8px 24px rgba(22,82,214,.32); }
.btn-gold:hover { box-shadow: 0 12px 30px rgba(22,82,214,.42); }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--navy-2); }
.btn-ghost { background: transparent; border-color: rgba(255,255,255,.45); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.12); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(7,33,92,.96); backdrop-filter: blur(10px); border-bottom: 1px solid rgba(255,255,255,.08); }
.header-inner { display: flex; align-items: center; gap: 24px; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; font-weight: 700; }
.brand-mark { display: block; width: 26px; height: 26px; }
.brand-name { font-family: var(--serif); font-weight: 700; font-size: 1.2rem; letter-spacing: -.01em; }
.footer-brand-row { display: flex; align-items: center; gap: 10px; }
.main-nav { display: flex; gap: 24px; margin-left: auto; }
.main-nav a { color: rgba(255,255,255,.85); text-decoration: none; font-size: .92rem; font-weight: 500; }
.main-nav a:hover { color: #fff; }
.header-cta { flex-shrink: 0; }

/* ---------- Hero ---------- */
.hero { background: radial-gradient(1100px 500px at 78% -10%, rgba(0,111,207,.45), transparent 60%), linear-gradient(160deg, var(--navy), #0a3a8c 75%); color: #fff; padding: 96px 0 80px; text-align: center; }
.hero-inner { max-width: 820px; margin: 0 auto; }
.hero h1 { color: #fff; }
.hero .eyebrow { color: #9cc2f5; }
.hero-sub { color: rgba(255,255,255,.85); font-size: 1.12rem; max-width: 620px; margin: 0 auto 32px; }
.hero-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 40px; }
.market-toggle { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); padding: 7px; border-radius: 999px; }
.toggle-label { font-size: .82rem; color: rgba(255,255,255,.7); padding-left: 10px; }
.market-btn { background: transparent; border: none; color: rgba(255,255,255,.8); padding: 8px 18px; border-radius: 999px; cursor: pointer; font-family: var(--sans); font-weight: 600; font-size: .9rem; transition: background .2s, color .2s; }
.market-btn.is-active { background: #fff; color: var(--navy); }

/* ---------- Trust-Bar ---------- */
.trust-bar { background: var(--navy-2); color: #fff; }
.trust-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; padding: 22px 24px; }
.trust-item { display: flex; flex-direction: column; gap: 2px; text-align: center; }
.trust-item strong { font-size: .98rem; }
.trust-item span { font-size: .8rem; color: rgba(255,255,255,.65); }

/* ---------- Card Duel ---------- */
.card-duel { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.amex-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); display: flex; flex-direction: column; }
.amex-card.is-featured { border-color: var(--royal); box-shadow: var(--shadow-lg); }
.card-img { width: 100%; aspect-ratio: 1.586 / 1; object-fit: cover; border-radius: 12px; box-shadow: 0 10px 26px rgba(7,33,92,.18); margin-bottom: 18px; }
.amex-card h3 { margin-bottom: 4px; }
.card-sub { color: var(--text-muted); font-size: .88rem; margin-bottom: 14px; }
.card-rating { color: var(--royal); font-weight: 700; font-size: .9rem; margin-bottom: 16px; }
.spec-list { list-style: none; padding: 0; margin: 0 0 18px; }
.spec-list li { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: .89rem; }
.spec-list .k { color: var(--text-muted); flex-shrink: 0; }
.spec-list .v { font-weight: 600; text-align: right; }
.spec-list .v.placeholder { color: var(--royal-2); font-weight: 500; font-size: .82rem; }
.card-verdict { font-size: .89rem; background: var(--royal-soft); padding: 12px 14px; border-radius: var(--radius-sm); margin-bottom: 18px; }
.amex-card .btn { margin-top: auto; }
.badge-featured { display: inline-block; background: var(--royal); color: #fff; font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; padding: 4px 10px; border-radius: 999px; margin-bottom: 12px; align-self: flex-start; }

/* ---------- Split cards ---------- */
.split-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.split-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.check-list { list-style: none; padding: 0; margin: 0 0 22px; }
.check-list li { padding: 7px 0 7px 28px; position: relative; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--royal); font-weight: 700; }

/* ---------- Feature grid ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.feature-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.feature-icon { display: inline-flex; width: 46px; height: 46px; align-items: center; justify-content: center; border-radius: 12px; background: linear-gradient(135deg, var(--royal), var(--royal-2)); color: #fff; font-size: 1.2rem; margin-bottom: 14px; }
.feature-card h3 { font-size: 1.08rem; }
.feature-card p { font-size: .9rem; color: var(--text-muted); margin: 0; }

/* ---------- Platinum-Hinweise ---------- */
/* Tips — äußerer Container (kein Grid mehr, Kategorien übernehmen das) */
.tips-grid { display: flex; flex-direction: column; gap: 36px; }

/* Benefits-Übersicht */
.benefits-overview {
  background: linear-gradient(135deg, var(--royal-soft) 0%, #fff 100%);
  border: 1px solid rgba(22,82,214,.18);
  border-radius: var(--radius);
  padding: 28px 28px 24px;
}
.benefits-heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 20px;
}
.benefits-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px 36px;
}
.benefits-cat {
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--royal);
  margin: 0 0 8px;
}
.benefits-ul {
  list-style: none;
  padding: 0; margin: 0;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.benefits-ul li {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: .84rem;
  line-height: 1.45;
  color: var(--text);
}
.benefits-ul li::before {
  content: "✓";
  color: var(--royal);
  font-weight: 700;
  flex-shrink: 0;
  font-size: .78rem;
  margin-top: 2px;
}
@media (max-width: 600px) { .benefits-cols { grid-template-columns: 1fr; } }

/* Kategorisierte Tipps */
.tips-category { }
.tips-cat-heading {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .13em;
  color: var(--royal);
  margin: 0 0 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.tips-cat-heading::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line);
}
.tips-grid-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
@media (max-width: 720px) { .tips-grid-inner { grid-template-columns: 1fr; } }

/* Einzelne Tip-Card */
.tip-card { display: flex; gap: 16px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.tip-icon { flex-shrink: 0; width: 42px; height: 42px; display: inline-flex; align-items: center; justify-content: center; border-radius: 12px; background: var(--royal-soft); color: var(--royal); font-size: 1.15rem; }
.tip-body h3 { font-size: 1.02rem; margin-bottom: 5px; }
.tip-body p { font-size: .88rem; color: var(--text-muted); margin: 0; }

/* ---------- Ranking ---------- */
.segment-toggle { display: inline-flex; gap: 6px; background: var(--royal-soft); padding: 6px; border-radius: 999px; margin-bottom: 14px; }
.segment-btn { background: transparent; border: none; color: var(--royal); padding: 8px 20px; border-radius: 999px; cursor: pointer; font-family: var(--sans); font-weight: 600; font-size: .9rem; }
.segment-btn.is-active { background: var(--royal); color: #fff; }
.ranking-context { color: var(--text-muted); font-size: .95rem; margin-bottom: 24px; }
.ranking-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 14px; }
.rank-item { display: flex; align-items: center; gap: 20px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; box-shadow: var(--shadow); }
.rank-item.is-top { border-color: var(--royal); border-width: 2px; }
.rank-num { font-family: var(--serif); font-size: 2rem; font-weight: 600; color: var(--royal); width: 42px; text-align: center; flex-shrink: 0; }
.rank-item.is-top .rank-num { color: var(--royal-2); }
.rank-img { width: 96px; flex-shrink: 0; border-radius: 8px; box-shadow: 0 4px 14px rgba(7,33,92,.16); }
.rank-body { flex: 1; min-width: 0; }
.rank-head { display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; }
.rank-name { font-weight: 700; font-size: 1.05rem; color: var(--navy); }
.rank-score { font-size: .82rem; font-weight: 700; color: #fff; background: var(--royal); padding: 2px 9px; border-radius: 999px; }
.rank-fee { font-size: .82rem; color: var(--text-muted); }
.rank-blurb { font-size: .9rem; color: var(--text-muted); margin: 6px 0 0; }
.rank-cta { flex-shrink: 0; }
.rank-badge-top { display: inline-block; background: var(--royal-soft); color: var(--royal); font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; padding: 2px 8px; border-radius: 999px; }

/* ---------- Vergleichstabelle (Matrix) ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); background: var(--white); box-shadow: var(--shadow); }
.compare-matrix { width: 100%; border-collapse: collapse; min-width: 760px; }
.compare-matrix th, .compare-matrix td { padding: 16px 18px; text-align: left; font-size: .9rem; border-bottom: 1px solid var(--line); vertical-align: middle; }
.compare-matrix thead th { background: var(--navy); color: #fff; font-weight: 600; font-size: .86rem; text-align: center; vertical-align: top; min-width: 168px; }
.compare-matrix thead th.cm-corner { text-align: left; min-width: 130px; }
.compare-matrix thead th.col-highlight { background: var(--royal); }
.compare-matrix .cm-card-img { width: 60px; border-radius: 6px; display: block; margin: 0 auto 10px; background: #fff; }
.compare-matrix .cm-select { width: 100%; max-width: 200px; padding: 7px 10px; border: 1px solid rgba(255,255,255,.5); border-radius: 8px; font-family: var(--sans); font-size: .8rem; font-weight: 600; color: var(--navy); background: #fff; cursor: pointer; }
.compare-matrix tbody th { font-weight: 600; color: var(--text-muted); text-align: left; }
.compare-matrix td { text-align: center; }
.compare-matrix td.col-highlight { background: var(--royal-soft); font-weight: 600; color: var(--navy); }
.compare-matrix .cm-yes { color: #1a8a4a; font-weight: 700; }
.compare-matrix .cm-no { color: #b0b7c3; }
/* fixierte Kategorie-Spalte beim horizontalen Scrollen */
.compare-matrix thead th.cm-corner, .compare-matrix tbody th { position: sticky; left: 0; z-index: 1; }
.compare-matrix tbody th { background: #fff; }
/* ausklappbare Zusatzzeilen */
.compare-matrix .cm-extra { display: none; }
.compare-matrix.show-all .cm-extra { display: table-row; }
.compare-actions { text-align: center; margin-top: 20px; }

/* ---------- Persona ---------- */
.persona-buttons { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 28px; }
.persona-btn { background: var(--white); border: 1.5px solid var(--line); border-radius: 999px; padding: 12px 22px; cursor: pointer; font-family: var(--sans); font-weight: 600; font-size: .92rem; transition: border-color .2s, transform .15s; }
.persona-btn:hover { transform: translateY(-2px); }
.persona-btn.is-active { border-color: var(--royal); background: var(--royal-soft); }
.persona-result { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--royal); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.persona-result h3 { margin-bottom: 8px; }
.persona-result .btn { margin-top: 14px; }

/* ---------- CTA ---------- */
.cta-section { background: linear-gradient(160deg, var(--navy), #0a3a8c); color: #fff; text-align: center; padding: 88px 0; }
.cta-section h2 { color: #fff; }
.cta-inner { max-width: 640px; margin: 0 auto; }
.cta-inner p { color: rgba(255,255,255,.85); }
.cta-inner .btn { margin: 18px 0 14px; }
.cta-note { font-size: .82rem; color: rgba(255,255,255,.6); }
.cta-note a { color: #9cc2f5; }

/* ---------- FAQ ---------- */
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 12px; overflow: hidden; }
.faq-item summary { cursor: pointer; padding: 18px 22px; font-weight: 600; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--royal); font-size: 1.4rem; font-weight: 400; }
.faq-item[open] summary::after { content: "–"; }
.faq-body { padding: 0 22px 20px; color: var(--text-muted); font-size: .94rem; }

/* ---------- Notices ---------- */
.notices { display: grid; gap: 18px; }
.notice { border-radius: var(--radius-sm); padding: 18px 22px; font-size: .9rem; }
.notice strong { display: block; margin-bottom: 4px; }
.notice p { margin: 0; color: var(--text-muted); }
.notice-info { background: var(--royal-soft); border: 1px solid #cfe0fa; }
.notice-affiliate { background: #f3f6fb; border: 1px solid var(--line); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.7); padding: 56px 0 0; }
.footer-inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; padding-bottom: 36px; }
.footer-brand { max-width: 320px; }
.footer-brand .brand-name { color: #fff; font-size: 1.2rem; }
.footer-brand p { font-size: .88rem; margin-top: 10px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; align-items: flex-start; }
.footer-links a { color: rgba(255,255,255,.8); text-decoration: none; font-size: .9rem; }
.footer-links a:hover { color: #fff; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 24px; font-size: .78rem; color: rgba(255,255,255,.5); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .trust-inner { grid-template-columns: 1fr 1fr; gap: 22px; }
}
@media (max-width: 720px) {
  .main-nav { display: none; }
  .section { padding: 60px 0; }
  .card-duel, .split-cards { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .trust-inner { grid-template-columns: 1fr 1fr; }
  .footer-inner { flex-direction: column; }
  .rank-item { flex-wrap: wrap; gap: 12px; }
  .rank-img { width: 72px; }
  .rank-cta { width: 100%; }
  .rank-cta .btn { width: 100%; }
  .rechner-inputs { grid-template-columns: 1fr; }
  .rechner-card { padding: 24px 16px; }
}

/* ============ Downsides (Duell) ============ */
.downside-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: #666;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin: 16px 0 4px;
}
.downside-list {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.downside-list li {
  font-size: 0.82rem;
  color: #555;
  padding-left: 18px;
  position: relative;
}
.downside-list li::before {
  content: "⚠";
  position: absolute;
  left: 0;
  font-size: 0.72rem;
  color: #C9A227;
}

/* ============ Urgency-Badge (Ranking) ============ */
.rank-badge-urgency {
  display: inline-block;
  background: #C9A227;
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 4px;
  letter-spacing: 0.03em;
  margin-left: 6px;
  vertical-align: middle;
}

/* ============ Break-even-Rechner ============ */
/* Optionen / Toggle-Schalter */
.rechner-optionen {
  border-top: 1px solid #eee;
  padding-top: 20px;
  margin: 4px 0 20px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.rechner-switch-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
  cursor: pointer;
}
.switch-label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.4;
}
.switch-sublabel {
  font-weight: 400;
  color: #888;
  font-size: 0.8rem;
}
.switch-ui-wrap {
  position: relative;
  flex-shrink: 0;
  margin-top: 2px;
}
.switch-ui-wrap input[type="checkbox"] {
  opacity: 0;
  width: 0;
  height: 0;
  position: absolute;
}
.switch-ui {
  display: block;
  width: 42px;
  height: 24px;
  background: #ccc;
  border-radius: 12px;
  position: relative;
  transition: background .18s;
  cursor: pointer;
}
.switch-ui::after {
  content: "";
  position: absolute;
  top: 3px;
  left: 3px;
  width: 18px;
  height: 18px;
  background: #fff;
  border-radius: 50%;
  transition: transform .18s;
  box-shadow: 0 1px 3px rgba(0,0,0,.2);
}
.switch-ui-wrap input:checked + .switch-ui { background: var(--royal); }
.switch-ui-wrap input:checked + .switch-ui::after { transform: translateX(18px); }

.rechner-bonus-wrap {
  padding: 12px 14px;
  background: var(--royal-soft);
  border-radius: 8px;
  margin-top: -6px;
}
.rechner-bonus-wrap.is-hidden { display: none; }

/* Grau-Punkte-Annotation */
.pt-note {
  color: #bbb;
  font-size: 0.75rem;
  margin-left: 4px;
}

.rechner-market-toggle {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
}
.rechner-mkt-btn {
  padding: 7px 18px;
  border: 2px solid #dde4f0;
  border-radius: 8px;
  background: #fff;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  color: #555;
  transition: border-color .15s, background .15s, color .15s;
}
.rechner-mkt-btn.is-active {
  border-color: var(--royal);
  background: var(--royal);
  color: #fff;
}
.rechner-card {
  background: #fff;
  border: 1px solid #dde4f0;
  border-radius: 14px;
  padding: 32px;
  box-shadow: 0 2px 12px rgba(7,33,92,.06);
}
.rechner-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 28px;
}
.rechner-row label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}
.rechner-slider-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
}
.rechner-slider-wrap input[type="range"] {
  flex: 1;
  accent-color: var(--royal);
  height: 4px;
  cursor: pointer;
}
.rechner-val {
  min-width: 70px;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--royal);
  text-align: right;
}
.rechner-hint {
  font-size: 0.75rem;
  color: #888;
  margin: 4px 0 0;
}
.rechner-result {
  border-top: 1px solid #dde4f0;
  padding-top: 24px;
}
.rechner-effektiv-wrap {
  display: flex;
  align-items: baseline;
  gap: 16px;
  margin-bottom: 12px;
}
.rechner-label {
  font-size: 0.9rem;
  color: #555;
  font-weight: 500;
}
.rechner-effektiv {
  font-family: var(--serif);
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
}
.rechner-verdict {
  font-size: 0.9rem;
  font-weight: 600;
  margin: 0 0 20px;
  padding: 8px 14px;
  border-radius: 6px;
}
.verdict-yes  { background: #e8f5e9; color: #2e7d32; }
.verdict-maybe{ background: #fff8e1; color: #f57f17; }
.verdict-no   { background: #fce4ec; color: #b71c1c; }
.rechner-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.83rem;
  margin-bottom: 12px;
}
.rechner-table td {
  padding: 5px 4px;
  border-bottom: 1px solid #f0f0f0;
  color: #444;
}
.rechner-table td:last-child { text-align: right; font-weight: 500; }
.rechner-table tr.rechner-sum td {
  border-top: 2px solid #dde4f0;
  border-bottom: none;
  padding-top: 8px;
  color: var(--navy);
  font-size: 0.9rem;
}
.rechner-table tr.rechner-section-head td {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #999;
  padding-top: 12px;
  border-bottom: none;
}

/* ===================================================================
   VERSICHERUNGSSCHUTZ
   =================================================================== */
.ins-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 32px 0 20px;
}
@media (max-width: 900px) { .ins-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .ins-grid { grid-template-columns: 1fr; } }

.ins-card {
  background: #fff;
  border: 1px solid #dde4f0;
  border-radius: 12px;
  padding: 20px;
}
.ins-highlight {
  border: 2px solid var(--royal);
  background: linear-gradient(135deg, #f0f4ff 0%, #fff 100%);
}
.ins-icon {
  font-size: 1.5rem;
  margin-bottom: 10px;
  display: block;
}
.ins-card h3 {
  font-size: 0.93rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 6px;
  line-height: 1.3;
}
.ins-amount {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--royal);
  margin: 0 0 12px;
  line-height: 1.4;
}
.ins-list {
  margin: 0;
  padding-left: 16px;
  font-size: 0.79rem;
  color: #444;
  line-height: 1.75;
}
.ins-list li { margin-bottom: 1px; }

.mkt-badge {
  display: inline-block;
  font-size: 0.62rem;
  font-weight: 800;
  padding: 1px 6px;
  border-radius: 4px;
  vertical-align: middle;
  margin-right: 3px;
  letter-spacing: 0.04em;
}
.mkt-de { background: var(--royal); color: #fff; }
.mkt-at { background: #c0392b; color: #fff; }

/* ===================================================================
   MR-TRANSFER
   =================================================================== */
.transfer-section { margin: 32px 0 20px; }

.transfer-gtitle {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 12px;
}
.transfer-gtitle--mt { margin-top: 28px; }

.transfer-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border: 1px solid #dde4f0;
  border-radius: 10px;
  margin-bottom: 4px;
}
.transfer-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  min-width: 580px;
}
.transfer-table thead th {
  background: var(--navy);
  color: #fff;
  text-align: left;
  padding: 10px 12px;
  font-size: 0.72rem;
  font-weight: 700;
  white-space: nowrap;
  letter-spacing: 0.04em;
}
.transfer-table tbody td {
  padding: 9px 12px;
  border-bottom: 1px solid #f0f4f8;
  color: #333;
  vertical-align: top;
  line-height: 1.45;
}
.transfer-table tbody tr:last-child td { border-bottom: none; }

.td-val { font-weight: 700; color: var(--navy); text-align: center; white-space: nowrap; }
.td-yes { text-align: center; color: #27ae60; font-weight: 700; font-size: 1rem; }
.td-no  { text-align: center; color: #bbb; }

.tr-best     { background: #f2faf4; }
.tr-mid      { background: #fff; }
.tr-weak     { background: #fff8f2; }
.tr-indirect { background: #f7f7f7; color: #666; font-style: italic; }

.transfer-callouts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 24px 0 12px;
}
@media (max-width: 720px) { .transfer-callouts { grid-template-columns: 1fr; } }

.tcallout {
  border-radius: 10px;
  padding: 16px 18px;
  font-size: 0.81rem;
  line-height: 1.65;
}
.tcallout strong {
  display: block;
  margin-bottom: 8px;
  font-size: 0.86rem;
  line-height: 1.4;
}
.tcallout-warn {
  background: #fff9f0;
  border: 1px solid #f0c070;
  color: #7a4500;
}
.tcallout-tip {
  background: #f0f4ff;
  border: 1px solid #c0cfee;
  color: #1a2d5a;
}
.tcallout-list {
  margin: 4px 0 0;
  padding-left: 18px;
}
.tcallout-list li { margin-bottom: 5px; }

/* =========================================================================
   Stärken-Pills (Duell)
   ========================================================================= */
.strength-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 14px;
}
.strength-pill {
  background: var(--royal-soft);
  color: var(--royal);
  font-size: .74rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  border: 1px solid rgba(22,82,214,.18);
}
.is-featured .strength-pill {
  background: rgba(22,82,214,.12);
  color: var(--royal);
  border-color: rgba(22,82,214,.25);
}

/* =========================================================================
   Voraussetzungen (Duell — collapsible)
   ========================================================================= */
.card-requirements {
  margin: 12px 0 14px;
  border-radius: 8px;
  border: 1px solid var(--border);
  overflow: hidden;
}
.card-requirements summary {
  padding: 9px 14px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  list-style: none;
  background: var(--bg-alt);
  user-select: none;
}
.card-requirements summary::-webkit-details-marker { display: none; }
.card-requirements summary::before {
  content: "▸ ";
  font-size: .7rem;
}
.card-requirements[open] summary::before { content: "▾ "; }
.req-list {
  margin: 0;
  padding: 10px 14px 10px 28px;
  font-size: .82rem;
  color: var(--text-muted);
  line-height: 1.7;
  background: #fff;
}

/* =========================================================================
   CTA Aufwertung
   ========================================================================= */
.cta-eyebrow { color: rgba(255,255,255,.6); }
.cta-sub { color: rgba(255,255,255,.8); max-width: 540px; margin: 0 auto 1.2em; font-size: .95rem; line-height: 1.65; }
.cta-perks {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin-bottom: 1.8em;
}
.cta-perk {
  font-size: .86rem;
  font-weight: 600;
  color: rgba(255,255,255,.85);
}

/* =========================================================================
   Rechner — Versicherungs-Strich-Zeile
   ========================================================================= */
.rechner-row-priceless td { color: var(--text-muted); font-style: italic; font-size: .85rem; }
.rechner-priceless { font-size: 1.1rem; font-weight: 700; color: var(--royal); letter-spacing: .04em; }

/* =========================================================================
   Fragebogen / Quiz
   ========================================================================= */
.quiz-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px 36px;
  border: 1px solid var(--border);
}
.quiz-progress-bar {
  height: 4px;
  background: var(--royal-soft);
  border-radius: 999px;
  margin-bottom: 14px;
  overflow: hidden;
}
.quiz-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--royal), var(--royal-2));
  border-radius: 999px;
  transition: width .3s ease;
}
.quiz-step-label {
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--royal);
  margin: 0 0 .6em;
}
.quiz-question {
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 1.4em;
}
.quiz-answers {
  display: grid;
  gap: 10px;
  margin-bottom: 1.4em;
}
.quiz-answer-btn {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  background: var(--bg-alt);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 14px 18px;
  cursor: pointer;
  text-align: left;
  transition: border-color .15s, background .15s;
  font-family: var(--sans);
}
.quiz-answer-btn:hover { border-color: var(--royal); background: var(--royal-soft); }
.quiz-answer-btn.is-selected { border-color: var(--royal); background: var(--royal-soft); }
.qa-label { font-weight: 600; font-size: .97rem; color: var(--navy); }
.qa-sub { font-size: .8rem; color: var(--text-muted); }
.quiz-back-btn {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: .85rem;
  cursor: pointer;
  padding: 0;
  font-family: var(--sans);
}
.quiz-back-btn:hover { color: var(--navy); }

/* Quiz Result */
.quiz-result { }
.quiz-result-intro {
  font-size: .95rem;
  color: var(--text-muted);
  margin-bottom: 1.4em;
  text-align: center;
}
.quiz-result-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 1.4em;
}
@media (max-width: 760px) {
  .quiz-result-cards { grid-template-columns: 1fr; }
  .quiz-card { padding: 22px 20px; }
}
.qr-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  position: relative;
}
.qr-card-top {
  border-color: var(--royal);
  box-shadow: 0 6px 24px rgba(22,82,214,.15);
}
.qr-badge {
  position: absolute;
  top: -11px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--royal);
  color: #fff;
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  padding: 3px 12px;
  border-radius: 999px;
  white-space: nowrap;
}
.qr-img {
  width: 80px;
  height: 50px;
  object-fit: contain;
  margin: 8px auto 0;
  display: block;
}
.qr-body { display: flex; flex-direction: column; gap: 5px; flex: 1; }
.qr-tag {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  padding: 3px 8px;
  border-radius: 4px;
  align-self: flex-start;
}
.qr-tag-gold { background: #FFF3CD; color: #7a5c00; }
.qr-tag-blue { background: var(--royal-soft); color: var(--royal); }
.qr-tag-green { background: #e8f5e9; color: #2e7d32; }
.qr-body h4 { font-size: .97rem; color: var(--navy); margin: 0; }
.qr-fee { font-size: .82rem; font-weight: 600; color: var(--text-muted); margin: 0; }
.qr-desc { font-size: .82rem; color: var(--text-muted); line-height: 1.5; margin: 0; flex: 1; }
.qr-body .btn { margin-top: auto; align-self: stretch; text-align: center; font-size: .82rem; padding: 10px 14px; }

.quiz-restart-btn { display: block; margin: 0 auto; }

/* =========================================================================
   HERO BONUS BANNER
   ========================================================================= */
#hero-bonus { margin: 0 auto 30px; max-width: 640px; }
.hero-bonus-inner {
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(201,162,39,.14);
  border: 1px solid rgba(201,162,39,.45);
  border-radius: 12px;
  padding: 12px 16px;
  text-align: left;
}
.hero-bonus-icon { font-size: 1.1rem; flex-shrink: 0; color: #C9A227; }
.hero-bonus-text { flex: 1; min-width: 0; }
.hero-bonus-label {
  display: block;
  font-size: .65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .11em;
  color: rgba(255,255,255,.55);
  margin-bottom: 2px;
}
.hero-bonus-value {
  display: block;
  font-size: .88rem;
  font-weight: 600;
  color: #fff;
  line-height: 1.4;
}
.hero-bonus-badge {
  flex-shrink: 0;
  font-size: .68rem;
  color: rgba(255,255,255,.45);
  white-space: nowrap;
}
@media (max-width: 600px) {
  .hero-bonus-badge { display: none; }
}

/* =========================================================================
   RECHNER — Preset-Buttons
   ========================================================================= */
.rechner-presets {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid #eee;
}
.presets-label {
  font-size: .77rem;
  font-weight: 600;
  color: var(--text-muted);
  white-space: nowrap;
  margin-right: 2px;
}
.preset-btn {
  padding: 6px 14px;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  background: #fff;
  font-family: var(--sans);
  font-size: .8rem;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: border-color .15s, background .15s, color .15s;
}
.preset-btn:hover, .preset-btn.is-active {
  border-color: var(--royal);
  background: var(--royal-soft);
  color: var(--royal);
}

/* =========================================================================
   RECHNER — CTA im Ergebnis
   ========================================================================= */
.rechner-cta-wrap { margin: 14px 0 6px; }
.rechner-cta-wrap .btn {
  width: 100%;
  justify-content: center;
  font-size: .97rem;
  padding: 15px 20px;
}

/* =========================================================================
   NICHT-FÜR-DICH BOX
   ========================================================================= */
.nicht-box {
  margin-top: 24px;
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 18px 22px;
}
.nicht-heading {
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 4px;
}
.nicht-sub {
  font-size: .85rem;
  color: var(--text-muted);
  margin: 0 0 10px;
}
.nicht-list {
  margin: 0 0 10px;
  padding-left: 20px;
  font-size: .84rem;
  color: var(--text);
  line-height: 1.75;
}
.nicht-alt { font-size: .82rem; color: var(--text-muted); margin: 0; }
.nicht-alt a { color: var(--royal); font-weight: 600; }

/* =========================================================================
   LEGAL NOTE (kondensierter Affiliate-Hinweis)
   ========================================================================= */
.legal-note {
  font-size: .8rem;
  color: var(--text-muted);
  text-align: center;
  padding: 20px 0 32px;
  margin: 0;
  border-top: 1px solid var(--line);
}
.legal-note a { color: var(--royal); }

/* =========================================================================
   HAMBURGER & MOBILE NAV
   ========================================================================= */
.hamburger {
  display: none;
  margin-left: auto;
  flex-shrink: 0;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 8px;
  width: 40px;
  height: 44px;
  border-radius: 8px;
  transition: background .15s;
}
.hamburger:hover { background: rgba(255,255,255,.1); }
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .22s ease, opacity .16s ease;
  transform-origin: center;
}
.hamburger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.is-open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  position: fixed;
  top: 68px;
  left: 0; right: 0;
  background: rgba(7,33,92,.98);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  z-index: 49;
  flex-direction: column;
  border-bottom: 1px solid rgba(255,255,255,.08);
  box-shadow: 0 16px 48px rgba(0,0,0,.35);
  padding: 4px 0 18px;
}
.mobile-nav.is-visible { display: flex; }
.mobile-nav a {
  color: rgba(255,255,255,.88);
  text-decoration: none;
  font-weight: 600;
  font-size: .97rem;
  padding: 15px 22px;
  border-bottom: 1px solid rgba(255,255,255,.06);
  display: block;
  transition: background .12s;
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav a:hover, .mobile-nav a:active { background: rgba(255,255,255,.08); }
.mobile-nav .mobile-nav-cta {
  margin: 10px 20px 4px;
  padding: 14px 20px;
  text-align: center;
  background: linear-gradient(135deg, var(--royal), var(--royal-2));
  border-radius: 999px;
  border-bottom: none;
  box-shadow: 0 4px 18px rgba(22,82,214,.45);
  color: #fff;
  font-weight: 700;
}
.mobile-nav .mobile-nav-cta:hover { background: linear-gradient(135deg, #1a60e0, #0080e8); }

/* Quiz Restart-Button: auf hellem Hintergrund sichtbar machen */
.quiz-restart-btn.btn {
  background: transparent;
  border-color: var(--line);
  color: var(--text-muted);
  box-shadow: none;
}
.quiz-restart-btn.btn:hover { background: var(--paper-2); color: var(--navy); }

/* =========================================================================
   MOBILE BREAKPOINT ≤ 720px
   ========================================================================= */
@media (max-width: 720px) {
  /* Header */
  .hamburger { display: flex; }
  .header-cta { display: none; }
  .header-inner { gap: 10px; }

  /* Container */
  .container { padding: 0 16px; }

  /* Hero */
  .hero { padding: 60px 0 48px; }
  .hero-sub { font-size: .97rem; margin-bottom: 24px; }
  .hero-actions { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero-actions .btn { width: 100%; justify-content: center; text-align: center; }
  .market-toggle { margin-top: 4px; }

  /* Sections */
  .section { padding: 52px 0; }
  .section-head { margin-bottom: 26px; }

  /* Trust Bar */
  .trust-inner { padding: 14px 16px; gap: 14px; }
  .trust-item strong { font-size: .88rem; }
  .trust-item span { font-size: .73rem; }

  /* Card Duel: Spec-List vertikal stapeln */
  .spec-list li { flex-direction: column; gap: 2px; padding: 9px 0; }
  .spec-list .k { font-size: .79rem; }
  .spec-list .v { text-align: left; font-size: .93rem; }

  /* CTA-Sektion */
  .cta-section { padding: 60px 0; }
  .cta-perks { flex-direction: column; align-items: center; gap: 6px; }
  .cta-inner { max-width: 100%; }
  .cta-inner h2 { font-size: 1.55rem; }

  /* Rechner */
  .rechner-switch-row { gap: 10px; }
  .switch-label { font-size: .81rem; }
  .rechner-table { font-size: .78rem; }
  .rechner-effektiv-wrap { gap: 10px; flex-wrap: wrap; }

  /* FAQ */
  .faq-item summary { padding: 15px 18px; font-size: .92rem; }
  .faq-body { padding: 0 18px 16px; }

  /* Footer */
  .footer-inner { padding-bottom: 22px; }
  .footer-links { gap: 10px; }
  .footer-legal { padding: 16px 16px; }

  /* Notices */
  .notice { padding: 14px 16px; }

  /* Transfer Scroll — kleiner Hinweis */
  .transfer-scroll { border-radius: 8px; }
}

/* =========================================================================
   SEHR ENGE ANSICHTEN ≤ 480px (iPhone SE, 375px etc.)
   ========================================================================= */
@media (max-width: 480px) {
  /* Trust Bar: 1 Spalte */
  .trust-inner { grid-template-columns: 1fr; gap: 8px; }
  .trust-item { flex-direction: row; justify-content: center; gap: 6px; align-items: center; }
  .trust-item strong::after { content: ":"; }

  /* Überschriften */
  h1 { font-size: 1.85rem; }
  h2 { font-size: 1.42rem; }

  /* Hero */
  .hero { padding: 48px 0 40px; }
  .hero-sub { font-size: .93rem; }

  /* Sections */
  .section { padding: 44px 0; }

  /* Rechner */
  .rechner-effektiv { font-size: 1.65rem; }
  .rechner-card { padding: 20px 14px; }

  /* Quiz */
  .quiz-question { font-size: 1.08rem; }
  .quiz-card { padding: 20px 14px; }
  .quiz-answer-btn { padding: 12px 14px; }

  /* Amex Card padding */
  .amex-card { padding: 18px 16px; }

  /* Tip-Cards */
  .tip-card { padding: 16px 14px; gap: 12px; }

  /* Section Head */
  .section-head { margin-bottom: 20px; }

  /* FAQ */
  .faq-item summary { padding: 13px 16px; }
  .faq-body { padding: 0 16px 14px; }
}