:root{
  --blue:#0b3d74;
  --blue-2:#105b9d;
  --green:#3fa13a;
  --green-2:#65b844;
  --gold:#d99c22;
  --ink:#102033;
  --muted:#667487;
  --line:#dfe7ef;
  --soft:#f4f8fb;
  --white:#fff;
  --shadow:0 18px 55px rgba(10,38,72,.12);
  --radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}.container{width:min(1180px,calc(100% - 36px));margin:0 auto}.section-soft{background:linear-gradient(135deg,#f8fbfd 0%,#eef7f0 100%)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(11,61,116,.08)}
.nav-wrap{height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:250px;height:auto}.main-nav{display:flex;align-items:center;gap:24px;font-weight:700;font-size:15px}.main-nav a{color:#203249}.main-nav a:hover{color:var(--green)}
.lang-switch{display:flex;border:1px solid var(--line);border-radius:999px;overflow:hidden}.lang-switch button{border:0;background:#fff;padding:8px 12px;font-weight:800;cursor:pointer;color:var(--blue)}.lang-switch button.active{background:var(--blue);color:#fff}.nav-toggle{display:none;border:0;background:transparent;padding:8px}.nav-toggle span{display:block;width:28px;height:3px;background:var(--blue);border-radius:99px;margin:5px 0}
.hero{padding:74px 0 52px}.hero-grid{display:grid;grid-template-columns:1fr .95fr;gap:52px;align-items:center}.eyebrow{margin:0 0 10px;color:var(--green);font-weight:900;letter-spacing:.04em;text-transform:uppercase;font-size:13px}.hero h1{font-size:clamp(40px,5vw,70px);line-height:1.04;margin:0 0 20px}.hero h1 strong{display:block;color:var(--green)}.lead{font-size:clamp(18px,2vw,22px);color:var(--muted);max-width:620px}.trust-row{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}.trust-row span{background:#fff;border:1px solid var(--line);box-shadow:0 8px 24px rgba(10,38,72,.06);border-radius:999px;padding:10px 14px;color:var(--blue);font-weight:800}.trust-row em{font-style:normal;color:#32445c}.hero-actions,.form-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:14px;padding:14px 20px;font-weight:900;border:1px solid transparent;transition:.2s;cursor:pointer;min-height:52px}.btn-primary{background:linear-gradient(135deg,var(--green),var(--green-2));color:#fff;box-shadow:0 12px 28px rgba(63,161,58,.28)}.btn-primary:hover{transform:translateY(-2px)}.btn-whatsapp{background:#fff;color:var(--green);border-color:#bfe5bd}.btn-whatsapp:hover{border-color:var(--green);box-shadow:0 12px 24px rgba(63,161,58,.12)}.quick-contact{display:flex;flex-wrap:wrap;gap:22px;margin-top:24px;color:var(--blue);font-weight:900}.hero-media{position:relative}.hero-media img{border-radius:34px;box-shadow:var(--shadow)}.hero-badge{position:absolute;right:18px;bottom:22px;background:var(--blue);color:#fff;border-radius:20px;padding:18px 20px;display:flex;gap:12px;align-items:center;max-width:310px;box-shadow:0 18px 40px rgba(11,61,116,.25)}.hero-badge p{margin:0;font-weight:900}.hero-badge span{font-size:28px}
.request-section,.services,.benefits,.contact{padding:72px 0}.section-title{text-align:center;max-width:850px;margin:0 auto 34px}.section-title.left{text-align:left;margin-left:0}.section-title h2{font-size:clamp(30px,3.5vw,46px);line-height:1.12;margin:0 0 12px;color:var(--blue)}.section-title p:not(.eyebrow){color:var(--muted);font-size:18px}.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-card{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff}.form-card-wide{grid-column:1/-1}.form-card h3{margin:0 0 14px;color:var(--blue)}label{display:block;font-weight:800;color:#24344a;margin-bottom:10px}input,select,textarea{width:100%;border:1px solid #cfdbe6;border-radius:12px;padding:13px 14px;font:inherit;color:var(--ink);background:#fff}input:focus,select:focus,textarea:focus{outline:3px solid rgba(63,161,58,.18);border-color:var(--green)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.mini-note{font-size:14px;color:var(--muted);margin:10px 0 0}.check-row{display:flex;gap:12px;align-items:flex-start;margin:16px 0 18px;font-weight:700;color:#39495e}.check-row input{width:auto;margin-top:6px}.privacy-box{grid-column:1/-1;border:1px solid #bcd7f4;background:#f5fbff;border-radius:16px;padding:18px}.privacy-box strong{display:block;color:var(--blue);margin-bottom:6px}.privacy-box p{margin:0 0 6px;color:#39495e}.privacy-box a{font-weight:900;color:var(--blue);text-decoration:underline}.hp-field{display:none!important}
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.service-card,.benefit,.contact-card{border:1px solid var(--line);border-radius:22px;background:#fff;box-shadow:0 12px 34px rgba(10,38,72,.08);padding:20px}.service-card img{border-radius:18px;margin-bottom:16px}.service-card h3,.benefit h3{color:var(--blue);margin:0 0 8px}.service-card p,.benefit p{color:var(--muted);margin:0}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.benefit span{font-size:30px;display:inline-flex;margin-bottom:12px}.contact-grid{display:grid;grid-template-columns:1fr 360px;gap:30px;align-items:center}.contact-card{display:grid;gap:12px}.contact-card a:not(.btn){font-size:20px;font-weight:900;color:var(--blue)}
.site-footer{background:linear-gradient(135deg,#082c55,#0b3d74);color:#d9e8f7;padding:46px 0}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr .8fr;gap:28px}.footer-logo{width:230px;background:#fff;border-radius:14px;padding:8px;margin-bottom:14px}.site-footer h3{color:#fff;margin:0 0 10px}.site-footer a{color:#fff}.site-footer p{margin:0;color:#d9e8f7}
.legal-page{padding:70px 0}.legal-box{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--radius);padding:32px}.legal-box h1{color:var(--blue);margin-top:0}.legal-box h2{color:var(--blue);margin-top:32px}.legal-box p,.legal-box li{color:#415069}.notice{border-left:5px solid var(--gold);background:#fff8e7;padding:14px 18px;border-radius:12px;color:#5d4724}
@media (max-width:930px){.nav-toggle{display:block}.main-nav{position:absolute;left:18px;right:18px;top:86px;display:none;flex-direction:column;align-items:flex-start;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:20px;padding:20px}.main-nav.open{display:flex}.hero-grid,.contact-grid{grid-template-columns:1fr}.lead-form,.cards-grid{grid-template-columns:1fr}.benefit-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.brand img{width:210px}.hero{padding-top:44px}.hero-badge{position:static;margin-top:14px}.field-grid{grid-template-columns:1fr}}
@media (max-width:560px){.container{width:min(100% - 24px,1180px)}.benefit-grid,.footer-grid{grid-template-columns:1fr}.lead-form{padding:14px}.form-card{padding:18px}.hero-actions .btn,.form-actions .btn{width:100%}.quick-contact{display:grid}.nav-wrap{height:76px}.brand img{width:185px}.main-nav{top:76px}.hero h1{font-size:38px}}

/* Änderung v2: getrennte Kredit- und Versicherungsformulare */
.forms-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
.single-form{display:block;padding:0;background:transparent;border:0;box-shadow:none;border-radius:0}
.single-form .form-card{height:100%;box-shadow:var(--shadow)}
.accent-card{position:relative;overflow:hidden}
.accent-card:before{content:"";position:absolute;inset:0 0 auto 0;height:6px;background:linear-gradient(90deg,var(--blue),var(--green));}
.form-intro{margin:0 0 18px;color:var(--muted)}
.conditional-field{margin:16px 0}
.conditional-field[hidden]{display:none!important}
.privacy-box-standalone{margin-top:20px}
.single-form .field-grid{margin-top:16px;margin-bottom:8px}
.single-form textarea{resize:vertical}

@media (max-width:930px){.forms-grid{grid-template-columns:1fr}.single-form .form-card{height:auto}}