:root{--navy:#101d2d;--navy2:#192c42;--gold:#c8a66b;--gold2:#e0c28d;--ink:#202c39;--muted:#667384;--paper:#f5f6f7;--white:#fff;--line:#e4e8ed;--shadow:0 18px 55px rgba(16,29,45,.10);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:inherit}button,input,select,textarea{font:inherit}.wrap{width:min(1160px,calc(100% - 44px));margin:auto}.eyebrow{display:inline-flex;align-items:center;gap:10px;color:#a78043;font-size:.76rem;font-weight:800;letter-spacing:.17em;text-transform:uppercase}.eyebrow:before{content:"";width:28px;height:1px;background:var(--gold)}.section{padding:100px 0}.section.soft{background:var(--paper)}.section.dark{background:var(--navy);color:#fff}.section-head{max-width:720px;margin-bottom:42px}.section-head h2{font-family:Georgia,serif;font-size:clamp(2.1rem,4vw,3.3rem);line-height:1.12;letter-spacing:-.035em;color:var(--navy);margin:14px 0}.section.dark .section-head h2{color:#fff}.section-head p{color:var(--muted);font-size:1.05rem}.section.dark .section-head p{color:#c4cfda}
.site-header{position:sticky;top:0;z-index:20;background:rgba(16,29,45,.96);backdrop-filter:blur(14px);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;font-size:1rem;font-weight:800;letter-spacing:.08em;line-height:1.2}.brand small{display:block;color:var(--gold2);font-size:.65rem;letter-spacing:.24em;margin-top:7px}.nav-links{display:flex;align-items:center;gap:28px}.nav-links a{font-size:.88rem;text-decoration:none;color:#e5eaf0;transition:.2s}.nav-links a:hover{color:var(--gold2)}.nav-links .nav-cta{padding:11px 17px;border:1px solid rgba(200,166,107,.7);border-radius:999px;color:var(--gold2)}.menu-btn{display:none;background:none;border:1px solid #647184;color:white;border-radius:10px;padding:9px 12px;cursor:pointer}
.hero{position:relative;overflow:hidden;min-height:680px;display:flex;align-items:center;color:white;background:radial-gradient(ellipse at 78% 25%,rgba(200,166,107,.22),transparent 34%),linear-gradient(115deg,#101d2d 0%,#1b344c 62%,#243b50 100%)}.hero:after{content:"";position:absolute;width:570px;height:570px;border:1px solid rgba(224,194,141,.22);border-radius:50%;right:-100px;top:50px;box-shadow:0 0 0 55px rgba(224,194,141,.035),0 0 0 110px rgba(224,194,141,.025)}.hero-inner{position:relative;z-index:1;padding:100px 0;max-width:780px}.hero .eyebrow{color:var(--gold2)}.hero h1{font:normal clamp(3rem,7vw,5.8rem)/1.02 Georgia,serif;letter-spacing:-.045em;margin:25px 0}.hero h1 em{color:var(--gold2);font-style:normal}.hero p{max-width:650px;color:#d4dce5;font-size:1.14rem}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:999px;text-decoration:none;font-weight:750;border:1px solid transparent;cursor:pointer;transition:transform .2s,background .2s,border .2s}.btn:hover{transform:translateY(-2px)}.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold2)}.btn-outline{border-color:rgba(255,255,255,.4);color:white;background:transparent}.btn-outline:hover{border-color:var(--gold2);color:var(--gold2)}.hero-note{margin-top:48px;color:#aebbc9;font-size:.83rem;display:flex;gap:24px;flex-wrap:wrap}.hero-note span:before{content:"✓";color:var(--gold2);margin-right:8px}
.trustbar{background:#fff;border-bottom:1px solid var(--line)}.trust-items{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:24px 0}.trust-item{display:flex;gap:13px;align-items:center;color:var(--navy);font-weight:700;font-size:.9rem}.trust-icon{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#f4eee4;color:#98723b;font-size:1.1rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.feature{padding:30px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 8px 30px rgba(16,29,45,.035);transition:.25s}.feature:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.feature .num{color:#a78043;font-weight:800;letter-spacing:.15em;font-size:.75rem}.feature h3{color:var(--navy);font:normal 1.55rem Georgia,serif;margin:15px 0 10px}.feature p{color:var(--muted);margin:0}.iconbox{width:46px;height:46px;display:grid;place-items:center;border-radius:13px;background:#f4eee4;color:#99723c;font-size:1.3rem;margin-bottom:20px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.statement{padding:40px;border-radius:var(--radius);background:linear-gradient(145deg,#192c42,#101d2d);color:white;position:relative;overflow:hidden}.statement:after{content:"“";position:absolute;right:25px;top:-45px;font:14rem Georgia;color:rgba(200,166,107,.15)}.statement blockquote{position:relative;z-index:1;font:normal clamp(1.7rem,3vw,2.45rem)/1.25 Georgia,serif;margin:0}.statement p{color:#c3ced8;margin-top:24px}.checklist{list-style:none;padding:0;margin:24px 0}.checklist li{padding:10px 0;border-bottom:1px solid var(--line);color:#536173}.checklist li:before{content:"✓";color:#a78043;font-weight:900;margin-right:12px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:step}.step{border-top:1px solid #d7dce2;padding-top:22px}.step:before{counter-increment:step;content:"0" counter(step);font:normal 2.3rem Georgia,serif;color:var(--gold)}.step h3{color:var(--navy);margin:10px 0}.step p{color:var(--muted);margin:0}
.wizard{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(24px,5vw,46px);box-shadow:var(--shadow);max-width:850px}.progress{height:5px;background:#edf0f3;border-radius:10px;overflow:hidden;margin:18px 0 28px}.progress span{display:block;height:100%;width:33.33%;background:var(--gold);transition:width .25s}.wizard-top{display:flex;justify-content:space-between;gap:15px;color:var(--muted);font-size:.84rem}.wizard h3{font:normal 1.8rem Georgia,serif;color:var(--navy);margin:12px 0 20px}.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.choice{position:relative}.choice input{position:absolute;opacity:0}.choice label{display:block;height:100%;padding:18px;border:1px solid var(--line);border-radius:14px;cursor:pointer;color:var(--navy);font-weight:700;transition:.2s}.choice label span{display:block;font-size:.83rem;font-weight:400;color:var(--muted);margin-top:5px}.choice input:checked+label{border-color:var(--gold);background:#fbf8f2;box-shadow:inset 0 0 0 1px var(--gold)}.choice input:focus-visible+label{outline:3px solid #d9bc8b;outline-offset:3px}.wizard-actions{display:flex;justify-content:space-between;gap:12px;margin-top:28px}.btn-dark{background:var(--navy);color:white}.btn-light{background:#f0f2f4;color:var(--navy)}.wizard input[type=text],.wizard select{width:100%;padding:14px;border:1px solid #dce1e6;border-radius:10px;background:#fff;color:var(--ink);margin-top:8px}.wizard label.field-label{display:block;color:var(--navy);font-weight:700;margin:15px 0}.wizard-result{padding:20px;background:#f7f4ee;border-radius:12px;color:var(--navy)}
.faq-list{max-width:850px}.faq{border-bottom:1px solid #dfe3e8}.faq button{width:100%;text-align:left;border:0;background:none;padding:22px 36px 22px 0;color:var(--navy);font-weight:750;font-size:1.02rem;cursor:pointer;position:relative}.faq button:after{content:"+";position:absolute;right:5px;color:#a78043;font-size:1.5rem;top:15px}.faq button[aria-expanded=true]:after{content:"−"}.faq-answer{display:none;padding:0 35px 20px 0;color:var(--muted)}.faq-answer.open{display:block}
.contact-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px}.contact-info h3{font:normal 2rem Georgia,serif;margin:12px 0}.contact-info p{color:#c3ced8}.contact-link{display:block;color:white;text-decoration:none;margin-top:22px}.contact-link small{display:block;color:var(--gold2);font-size:.7rem;letter-spacing:.15em;text-transform:uppercase}.contact-form{background:#fff;color:var(--ink);padding:30px;border-radius:18px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.form-field{display:flex;flex-direction:column;gap:7px}.form-field.full{grid-column:1/-1}.form-field label{font-size:.86rem;font-weight:700;color:var(--navy)}.form-field input,.form-field select,.form-field textarea{width:100%;padding:12px 13px;border:1px solid #dce1e6;border-radius:9px;background:#fff;color:var(--ink)}.form-field textarea{min-height:115px;resize:vertical}.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:2px solid var(--gold);outline-offset:2px}.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);margin:18px 0}.consent input{margin-top:5px}.form-note{font-size:.76rem;color:#6f7b89;margin-top:12px}.form-status{margin-top:12px;color:#8b5b19;font-size:.85rem}
footer{background:#0a1522;color:#aeb9c6;padding:35px 0}.footer-row{display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap}.footer-links{display:flex;gap:20px;flex-wrap:wrap}.footer-links a{color:#fff;text-decoration:none;font-size:.85rem}.footer-links a:hover{color:var(--gold2)}.fineprint{font-size:.76rem;color:#8492a2;max-width:850px;margin-top:24px}.backtop{position:fixed;right:22px;bottom:22px;z-index:15;width:48px;height:48px;border:0;border-radius:50%;background:var(--gold);color:var(--navy);font-size:1.25rem;box-shadow:var(--shadow);cursor:pointer;opacity:0;pointer-events:none;transition:.2s}.backtop.visible{opacity:1;pointer-events:auto}.toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,20px);background:var(--navy);color:#fff;padding:12px 18px;border-radius:999px;opacity:0;pointer-events:none;transition:.25s;z-index:50}.toast.show{opacity:1;transform:translate(-50%,0)}
@media(max-width:850px){.nav-links{gap:15px}.split,.contact-layout{grid-template-columns:1fr;gap:35px}.grid3{grid-template-columns:1fr 1fr}.hero{min-height:620px}}
@media(max-width:650px){.wrap{width:min(100% - 32px,1160px)}.nav{height:72px}.menu-btn{display:block}.nav-links{display:none;position:absolute;left:0;right:0;top:72px;background:var(--navy);padding:18px 22px 24px;flex-direction:column;align-items:stretch;border-top:1px solid #33445a}.nav-links.open{display:flex}.nav-links a{padding:8px 0}.nav-links .nav-cta{text-align:center}.hero{min-height:590px}.hero-inner{padding:80px 0}.hero h1{font-size:clamp(2.8rem,13vw,4.3rem)}.section{padding:72px 0}.trust-items{grid-template-columns:1fr;gap:13px}.grid3,.steps{grid-template-columns:1fr}.choice-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.form-field.full{grid-column:auto}.wizard-actions{flex-direction:column-reverse}.wizard-actions .btn{width:100%}.statement{padding:28px}.footer-row{flex-direction:column}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

:root{--paper:#f5f3ee;--muted:#586574;--radius:12px}body{font-family:"Avenir Next","Segoe UI",sans-serif}.skip-link{position:fixed;top:10px;left:10px;transform:translateY(-160%);z-index:100;background:white;padding:12px 20px;color:var(--navy)}.skip-link:focus{transform:none}:focus-visible{outline:3px solid #a78043;outline-offset:4px}button:disabled{opacity:.5;cursor:default}.hero-layout{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:60px;align-items:center}.hero-inner{padding:90px 0}.hero h1{font-size:clamp(3rem,5.5vw,5rem)}.hero:after{pointer-events:none}.hero-dossier{position:relative;z-index:1;border:1px solid #bda27670;padding:28px;background:#101d2d80;margin:40px 0}.dossier-label{font-size:.62rem;letter-spacing:.15em;color:var(--gold2)}.hero-dossier svg{width:100%;height:auto;color:var(--gold2);display:block;margin:28px 0}.hero-dossier h2{font:normal 2.2rem/1.12 Georgia,serif;margin:0}.hero-dossier p{font-size:.9rem}.hero-dossier a{display:flex;justify-content:space-between;text-decoration:none;color:var(--gold2);border-top:1px solid #bda27670;padding-top:18px;font-size:.85rem}.options-layout{display:grid;grid-template-columns:1fr 1.4fr;gap:80px}.editorial-note{display:block;border-left:2px solid var(--gold);padding-left:18px;color:var(--muted);font-size:.88rem;margin-top:30px}.entry{display:flex;gap:22px;align-items:baseline;padding:26px 8px;border-bottom:1px solid #d9d5cb;text-decoration:none;transition:background .2s}.entry:first-child{border-top:1px solid #d9d5cb}.entry:hover{background:#ede9e0}.entry-number{font-size:.75rem;color:#876635}.entry h3{font:normal 1.5rem Georgia,serif;color:var(--navy);margin:0 0 9px}.entry p{color:var(--muted);font-size:.94rem;margin:0}.entry>span:last-child{margin-left:auto;color:#876635}.faq-tools{max-width:850px}.faq-tools label{font-size:.85rem;font-weight:700}.faq-tools input{display:block;width:100%;padding:15px;margin-top:8px;border:1px solid #cbd1d8;border-radius:8px;background:var(--paper);font:inherit}.faq-tools p{font-size:.85rem;color:var(--muted)}.contact-link{overflow-wrap:anywhere}.progress span{width:100%;transform:scaleX(.3333);transform-origin:left;transition:transform .2s}.nav-links a[aria-current]{color:var(--gold2)}.brand{font-size:.88rem}.nav-links{gap:20px}.toast{max-width:calc(100% - 32px);width:max-content;border-radius:12px}.section-head h2{max-width:650px}.grid3 .feature{box-shadow:none;border-radius:6px}.feature .iconbox{border-radius:0;background:transparent;border-bottom:1px solid var(--gold)}
@media(min-width:851px){#konzept .grid3{grid-template-columns:1.2fr 1fr 1fr}#konzept .feature:first-child{background:var(--navy)}#konzept .feature:first-child h3{color:white}#konzept .feature:first-child p{color:#d4dce5}}
@media(max-width:1000px){.nav-links{gap:12px}.brand{font-size:.75rem}.hero-layout{gap:25px}.hero-dossier{padding:22px}.options-layout{gap:35px}}
@media(max-width:850px){.hero-layout{grid-template-columns:1fr}.hero-inner{padding:70px 0 35px}.hero-dossier{margin:0 0 45px;display:grid;grid-template-columns:1fr 1fr;column-gap:25px}.hero-dossier svg{grid-column:2;grid-row:1/5;margin:0}.hero-dossier h2{margin:20px 0 0}.hero-dossier a{grid-column:1/-1}.options-layout{grid-template-columns:1fr;gap:0}.options-layout .section-head{margin-bottom:24px}}
@media(max-width:650px){.brand{font-size:.7rem;max-width:205px}.hero-dossier h2{font-size:1.7rem}.hero-dossier .dossier-label{font-size:.55rem}.hero-dossier{column-gap:12px}.contact-form{padding:24px 18px}.menu-btn{font-size:.85rem}.btn{min-height:48px}.entry{gap:14px}.nav-links a{font-size:1rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media(min-width:651px) and (max-width:1000px){.menu-btn{display:block}.nav-links{display:none;position:absolute;left:0;right:0;top:82px;background:var(--navy);padding:20px;flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.nav-links a{padding:8px}}