/* =========================================================
   DKV Deutsche Finanzberatung — style.css
   Quiet architectural minimalism · ivory · graphite · terracotta
   ========================================================= */

:root{
  --ivory:#F5F0E6;
  --ivory-2:#EFE8DA;
  --paper:#FBF8F1;
  --graphite:#26251F;
  --graphite-soft:#4A473E;
  --graphite-mute:#726E62;
  --terracotta:#B4603F;
  --terracotta-deep:#94492D;
  --terracotta-soft:#D8A184;
  --line:#DCD3C2;
  --line-soft:#E7E0D2;
  --white:#FFFFFF;
  --shadow:0 24px 60px -32px rgba(38,37,31,.35);
  --shadow-soft:0 12px 30px -20px rgba(38,37,31,.30);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --wrap:1180px;
  --r:4px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--sans);
  color:var(--graphite);
  background-color:var(--ivory);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140' viewBox='0 0 140 140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.035'/%3E%3C/svg%3E");
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}

h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.08;color:var(--graphite);letter-spacing:-.01em}
h1{font-size:clamp(2.6rem,6vw,4.6rem);font-weight:400}
h2{font-size:clamp(2rem,4vw,3rem);font-weight:400}
h3{font-size:clamp(1.35rem,2.4vw,1.8rem)}
p{color:var(--graphite-soft)}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 32px}
.eyebrow{
  font-family:var(--sans);font-size:.74rem;font-weight:600;letter-spacing:.22em;
  text-transform:uppercase;color:var(--terracotta);display:inline-block;
}
.eyebrow::before{content:"";display:inline-block;width:26px;height:1px;background:var(--terracotta);vertical-align:middle;margin-right:12px;transform:translateY(-3px)}
.lede{font-size:1.18rem;color:var(--graphite-soft);max-width:52ch}
.muted{color:var(--graphite-mute)}
.serif-accent{font-family:var(--serif);font-style:italic;color:var(--terracotta)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.6em;font-size:.92rem;font-weight:600;
  letter-spacing:.02em;padding:15px 30px;border-radius:var(--r);transition:.25s ease;
  border:1px solid transparent;
}
.btn-primary{background:var(--graphite);color:var(--ivory)}
.btn-primary:hover{background:var(--terracotta-deep)}
.btn-outline{border-color:var(--graphite);color:var(--graphite)}
.btn-outline:hover{background:var(--graphite);color:var(--ivory)}
.btn-terra{background:var(--terracotta);color:#fff}
.btn-terra:hover{background:var(--terracotta-deep)}
.btn .arrow{transition:transform .25s ease}
.btn:hover .arrow{transform:translateX(4px)}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(245,240,230,.82);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line-soft);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:12px}
.brand svg{width:38px;height:38px;flex:none}
.brand-name{font-family:var(--serif);font-size:1.28rem;line-height:1;color:var(--graphite)}
.brand-name small{display:block;font-family:var(--sans);font-size:.6rem;letter-spacing:.24em;
  text-transform:uppercase;color:var(--terracotta);margin-top:4px;font-weight:600}
.nav-links{display:flex;align-items:center;gap:34px}
.nav-links a{font-size:.93rem;font-weight:500;color:var(--graphite-soft);position:relative;padding:4px 0}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:1px;background:var(--terracotta);transition:width .25s ease}
.nav-links a:hover,.nav-links a.active{color:var(--graphite)}
.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.nav-cta{display:flex;align-items:center;gap:18px}
.nav-phone{font-size:.9rem;font-weight:600;color:var(--graphite);white-space:nowrap}
.burger{display:none;flex-direction:column;gap:5px;padding:8px}
.burger span{width:24px;height:2px;background:var(--graphite);transition:.25s}

/* ---------- Hero ---------- */
.hero{padding:80px 0 90px;position:relative}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero h1{margin:22px 0 26px}
.hero-lede{margin-bottom:36px}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:44px}
.hero-stats{display:flex;gap:40px;border-top:1px solid var(--line);padding-top:26px;flex-wrap:wrap}
.hero-stats .num{font-family:var(--serif);font-size:2rem;color:var(--graphite);line-height:1}
.hero-stats .lbl{font-size:.82rem;color:var(--graphite-mute);margin-top:6px}
.hero-media{position:relative}
.hero-media img{border-radius:var(--r);box-shadow:var(--shadow);aspect-ratio:4/5;object-fit:cover;width:100%}
.hero-badge{
  position:absolute;left:-26px;bottom:34px;background:var(--paper);border:1px solid var(--line);
  border-radius:var(--r);padding:18px 22px;box-shadow:var(--shadow-soft);max-width:210px;
}
.hero-badge .k{font-family:var(--serif);font-size:1.5rem;color:var(--terracotta)}
.hero-badge .v{font-size:.78rem;color:var(--graphite-mute);margin-top:2px}

/* ---------- Sections ---------- */
section{position:relative}
.band{padding:96px 0}
.band-paper{background:var(--paper);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.band-ink{background:var(--graphite);color:var(--ivory)}
.band-ink h2,.band-ink h3{color:var(--paper)}
.band-ink p{color:#C9C4B6}
.band-ink .eyebrow{color:var(--terracotta-soft)}
.band-ink .eyebrow::before{background:var(--terracotta-soft)}

.section-head{max-width:640px;margin-bottom:56px}
.section-head h2{margin:18px 0 18px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}

/* ---------- Feature / value grid ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  padding:34px 30px;transition:.28s ease;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft);border-color:var(--terracotta-soft)}
.card .idx{font-family:var(--serif);font-size:.95rem;color:var(--terracotta);letter-spacing:.1em}
.card h3{margin:16px 0 12px}
.card p{font-size:.98rem}
.card-icon{width:46px;height:46px;color:var(--terracotta);margin-bottom:20px}

/* asymmetric editorial split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split.offset{grid-template-columns:.9fr 1.1fr}
.split img{border-radius:var(--r);box-shadow:var(--shadow-soft);width:100%;object-fit:cover;aspect-ratio:5/4}
.split .stack{display:flex;flex-direction:column;gap:18px}
.checklist{list-style:none;display:flex;flex-direction:column;gap:14px;margin-top:8px}
.checklist li{display:flex;gap:14px;font-size:1rem;color:var(--graphite-soft);align-items:flex-start}
.checklist li::before{content:"";width:20px;height:20px;flex:none;margin-top:3px;border-radius:50%;
  background:var(--terracotta);
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M9 16.2l-3.5-3.5L4 14.2 9 19.2 20 8.2l-1.5-1.5z'/%3E%3C/svg%3E") center/16px no-repeat;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M9 16.2l-3.5-3.5L4 14.2 9 19.2 20 8.2l-1.5-1.5z'/%3E%3C/svg%3E") center/16px no-repeat;}

/* ---------- Process steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;counter-reset:s}
.step{border-top:2px solid var(--line);padding-top:22px}
.step .n{font-family:var(--serif);font-size:2.4rem;color:var(--terracotta);line-height:1}
.step h3{font-size:1.15rem;margin:14px 0 10px}
.step p{font-size:.92rem}

/* ---------- Stat strip ---------- */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.stat-strip .cell{background:var(--paper);padding:34px 26px}
.stat-strip .num{font-family:var(--serif);font-size:2.6rem;color:var(--graphite)}
.stat-strip .lbl{font-size:.86rem;color:var(--graphite-mute);margin-top:6px}

/* ---------- Pricing ---------- */
.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch}
.plan{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:38px 32px;display:flex;flex-direction:column}
.plan.featured{background:var(--graphite);color:var(--ivory);border-color:var(--graphite);box-shadow:var(--shadow)}
.plan.featured h3,.plan.featured .price{color:var(--paper)}
.plan.featured p,.plan.featured li{color:#C9C4B6}
.plan .tag{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--terracotta);font-weight:700}
.plan.featured .tag{color:var(--terracotta-soft)}
.plan h3{margin:10px 0 6px}
.plan .price{font-family:var(--serif);font-size:2.9rem;color:var(--graphite);line-height:1;margin:14px 0 4px}
.plan .price small{font-family:var(--sans);font-size:.9rem;font-weight:500;color:var(--graphite-mute)}
.plan.featured .price small{color:#B8B3A5}
.plan .per{font-size:.85rem;color:var(--graphite-mute);margin-bottom:22px}
.plan.featured .per{color:#B8B3A5}
.plan ul{list-style:none;display:flex;flex-direction:column;gap:12px;margin:8px 0 28px;flex:1}
.plan ul li{font-size:.94rem;display:flex;gap:11px;align-items:flex-start}
.plan ul li::before{content:"";width:17px;height:17px;flex:none;margin-top:3px;border-radius:50%;background:var(--terracotta-soft);
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M9 16.2l-3.5-3.5L4 14.2 9 19.2 20 8.2l-1.5-1.5z'/%3E%3C/svg%3E") center/13px no-repeat;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M9 16.2l-3.5-3.5L4 14.2 9 19.2 20 8.2l-1.5-1.5z'/%3E%3C/svg%3E") center/13px no-repeat;}
.price-note{font-size:.86rem;color:var(--graphite-mute);margin-top:28px;max-width:70ch}

/* ---------- Calculator ---------- */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:38px;box-shadow:var(--shadow-soft)}
.calc .field{margin-bottom:24px}
.calc label{display:block;font-size:.9rem;font-weight:600;color:var(--graphite);margin-bottom:10px}
.calc select,.calc input[type=range]{width:100%}
.calc select{padding:13px 14px;border:1px solid var(--line);border-radius:var(--r);background:var(--white);font-family:inherit;font-size:.95rem;color:var(--graphite)}
input[type=range]{-webkit-appearance:none;height:4px;background:var(--line);border-radius:4px;outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--terracotta);cursor:pointer;border:3px solid var(--paper)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--terracotta);cursor:pointer;border:3px solid var(--paper)}
.calc-out{border-top:1px solid var(--line);margin-top:8px;padding-top:24px;display:flex;justify-content:space-between;align-items:baseline}
.calc-out .val{font-family:var(--serif);font-size:2.4rem;color:var(--terracotta)}
.range-val{font-family:var(--serif);color:var(--terracotta);font-size:1.1rem}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;text-align:left;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px 0;font-family:var(--serif);font-size:1.2rem;color:var(--graphite)}
.faq-q .ic{flex:none;width:26px;height:26px;position:relative;transition:.3s}
.faq-q .ic::before,.faq-q .ic::after{content:"";position:absolute;background:var(--terracotta);left:50%;top:50%}
.faq-q .ic::before{width:14px;height:2px;transform:translate(-50%,-50%)}
.faq-q .ic::after{width:2px;height:14px;transform:translate(-50%,-50%);transition:.3s}
.faq-item.open .ic::after{transform:translate(-50%,-50%) scaleY(0)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-a p{padding:0 0 24px;font-size:1rem}

/* ---------- Forms ---------- */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.form-field{display:flex;flex-direction:column;gap:8px;margin-bottom:20px}
.form-field.full{grid-column:1/-1}
.form-field label{font-size:.86rem;font-weight:600;color:var(--graphite)}
.form-field input,.form-field select,.form-field textarea{
  padding:14px 15px;border:1px solid var(--line);border-radius:var(--r);background:var(--white);
  font-family:inherit;font-size:.96rem;color:var(--graphite);transition:.2s;
}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--terracotta);box-shadow:0 0 0 3px rgba(180,96,63,.12)}
.form-field textarea{resize:vertical;min-height:130px}
.form-consent{display:flex;gap:12px;align-items:flex-start;font-size:.85rem;color:var(--graphite-mute);margin-bottom:24px}
.form-consent input{margin-top:4px;accent-color:var(--terracotta);width:17px;height:17px;flex:none}
.form-msg{padding:16px 18px;border-radius:var(--r);font-size:.92rem;margin-bottom:20px;display:none}
.form-msg.ok{display:block;background:#EAF1E7;border:1px solid #BFD6B4;color:#3C5A2E}
.form-msg.err{display:block;background:#F6E7E1;border:1px solid #E3B7A5;color:#8C3A20}
.err-hint{color:var(--terracotta-deep);font-size:.78rem;display:none}
.form-field.invalid input,.form-field.invalid textarea,.form-field.invalid select{border-color:var(--terracotta-deep)}
.form-field.invalid .err-hint{display:block}

/* ---------- Contact info blocks ---------- */
.contact-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:32px}
.info-row{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid var(--line-soft)}
.info-row:last-child{border-bottom:none}
.info-row .ic{width:40px;height:40px;flex:none;border-radius:50%;background:var(--ivory-2);display:grid;place-items:center;color:var(--terracotta)}
.info-row .ic svg{width:20px;height:20px}
.info-row .k{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--graphite-mute)}
.info-row .v{font-size:1.02rem;color:var(--graphite);font-weight:500}

/* ---------- CTA band ---------- */
.cta-final{text-align:center;max-width:720px;margin:0 auto}
.cta-final h2{margin:18px 0 20px}
.cta-final .btn{margin-top:12px}

/* ---------- Footer ---------- */
.site-footer{background:var(--graphite);color:#C9C4B6;padding:72px 0 34px;font-size:.92rem}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:48px;border-bottom:1px solid #3A382F}
.footer-brand .brand-name{color:var(--paper)}
.footer-brand p{color:#A8A398;margin-top:18px;font-size:.9rem;max-width:34ch}
.footer-col h4{font-family:var(--sans);font-size:.76rem;letter-spacing:.18em;text-transform:uppercase;color:var(--terracotta-soft);margin-bottom:18px}
.footer-col a{display:block;color:#BDB8AC;padding:6px 0;font-size:.92rem;transition:.2s}
.footer-col a:hover{color:var(--paper)}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;padding-top:26px;color:#8C877C;font-size:.82rem}
.footer-bottom .badges{display:flex;gap:18px;flex-wrap:wrap}
.footer-bottom .badges span{border:1px solid #3A382F;border-radius:var(--r);padding:6px 12px}

/* ---------- Page hero (interior) ---------- */
.page-hero{padding:70px 0 54px;border-bottom:1px solid var(--line-soft)}
.page-hero .crumbs{font-size:.82rem;color:var(--graphite-mute);margin-bottom:20px}
.page-hero .crumbs a:hover{color:var(--terracotta)}
.page-hero h1{max-width:16ch}
.page-hero p{margin-top:22px;max-width:58ch}

/* ---------- Legal / prose ---------- */
.prose{max-width:800px;margin:0 auto}
.prose h2{font-size:1.6rem;margin:44px 0 16px}
.prose h3{font-size:1.2rem;margin:30px 0 12px}
.prose p{margin-bottom:16px;font-size:1rem}
.prose ul{margin:0 0 18px 22px}
.prose ul li{margin-bottom:9px;color:var(--graphite-soft)}
.prose .updated{font-size:.85rem;color:var(--graphite-mute);margin-bottom:32px;padding-bottom:20px;border-bottom:1px solid var(--line)}
.prose a{color:var(--terracotta-deep);text-decoration:underline;text-underline-offset:2px}

/* ---------- Cookie banner ---------- */
.cookie{
  position:fixed;left:24px;right:24px;bottom:24px;z-index:90;max-width:520px;margin:0 auto;
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  box-shadow:var(--shadow);padding:26px 28px;transform:translateY(140%);transition:transform .4s cubic-bezier(.2,.8,.2,1);
}
.cookie.show{transform:translateY(0)}
.cookie h4{font-family:var(--serif);font-size:1.25rem;margin-bottom:8px}
.cookie p{font-size:.88rem;margin-bottom:18px}
.cookie p a{color:var(--terracotta-deep);text-decoration:underline}
.cookie-actions{display:flex;gap:12px;flex-wrap:wrap}
.cookie-actions .btn{padding:11px 20px;font-size:.85rem}
.cookie-prefs{margin-top:18px;border-top:1px solid var(--line);padding-top:16px;display:none}
.cookie-prefs.show{display:block}
.cookie-prefs .row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;font-size:.86rem}
.cookie-prefs .row .lbl{font-weight:600;color:var(--graphite)}
.switch{position:relative;width:42px;height:23px;flex:none}
.switch input{opacity:0;width:0;height:0}
.switch .track{position:absolute;inset:0;background:var(--line);border-radius:20px;transition:.25s}
.switch .track::before{content:"";position:absolute;width:17px;height:17px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.25s}
.switch input:checked+.track{background:var(--terracotta)}
.switch input:checked+.track::before{transform:translateX(19px)}
.switch input:disabled+.track{opacity:.55}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .hero-media{order:-1;max-width:440px}
  .split,.split.offset{grid-template-columns:1fr;gap:36px}
  .grid-3,.steps,.stat-strip,.price-grid{grid-template-columns:1fr 1fr}
  .footer-top{grid-template-columns:1fr 1fr}
  .plan.featured{transform:none}
}
@media(max-width:720px){
  .nav-links,.nav-phone{display:none}
  .nav-links.open{display:flex;position:absolute;top:76px;left:0;right:0;flex-direction:column;
    background:var(--paper);border-bottom:1px solid var(--line);padding:22px 32px;gap:18px}
  .burger{display:flex}
  .band{padding:66px 0}
  .grid-3,.grid-2,.steps,.stat-strip,.price-grid,.form-grid,.footer-top{grid-template-columns:1fr}
  .wrap{padding:0 22px}
  .hero-badge{left:12px}
}