/* =========================
   Basis & Layout
========================= */

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

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    color: 
#1f2933;
    background-color: 
#f5f7fa;
    line-height: 1.6;
}

/* Container & Sektionen */

.container {
    width: 100%;
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 16px;
}

.section {
    padding: 64px 0;
}

.section-light {
    background-color: 
#ffffff;
}

.section-cta {
    background: linear-gradient(135deg, 
#0057a3, 
#00a676);
    color: 
#ffffff;
}

/* Skip-Link (Barrierefreiheit & SEO) */
.skip-link {
    position: absolute;
    left: -999px;
    top: 8px;
    padding: 8px 12px;
    background: 
#0057a3;
    color: 
#ffffff;
    border-radius: 4px;
    z-index: 200;
}

.skip-link:focus {
    left: 8px;
}

/* Typografie */

h1, h2, h3, h4 {
    margin: 0 0 16px;
    font-weight: 600;
    color: 
#102a43;
}

h1 {
    font-size: 2.4rem;
    line-height: 1.2;
}

h2 {
    font-size: 2rem;
}

h3 {
    font-size: 1.25rem;
}

p {
    margin: 0 0 12px;
}

.section-intro {
    max-width: 720px;
    margin-bottom: 32px;
}

/* Links & Buttons */

a {
    color: 
#0057a3;
    text-decoration: none;
}

a:hover {
    text-decoration: underline;
}

.btn {
    display: inline-block;
    padding: 12px 24px;
    border-radius: 999px;
    font-weight: 600;
    text-decoration: none;
    border: none;
    cursor: pointer;
    font-size: 0.95rem;
    transition: background-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease, transform 0.1s ease;
}

.btn-primary {
    background-color: 
#0057a3;
    color: 
#ffffff;
    box-shadow: 0 8px 16px 
rgba(0, 87, 163, 0.2);
}

.btn-primary:hover {
    background-color: 
#00447f;
    text-decoration: none;
    transform: translateY(-1px);
    box-shadow: 0 10px 20px 
rgba(0, 87, 163, 0.25);
}

.btn-secondary {
    background-color: 
#e4eff9;
    color: 
#0057a3;
}

.btn-secondary:hover {
    background-color: 
#d4e4f4;
    text-decoration: none;
}

.btn-light {
    background-color: 
#ffffff;
    color: 
#0057a3;
}

.btn-light:hover {
    background-color: 
#f5f7fa;
    text-decoration: none;
}

.btn-block {
    width: 100%;
    text-align: center;
}

.btn-small {
    padding: 8px 18px;
    font-size: 0.9rem;
}

.text-link {
    font-weight: 600;
    font-size: 0.95rem;
}

/* Fokus-Styling für Tastatur-Nutzer */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
    outline: 2px solid 
#00a676;
    outline-offset: 2px;
}

/* =========================
   Header / Navigation
========================= */

.main-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background-color: 
#ffffff;
    box-shadow: 0 2px 6px 
rgba(15, 23, 42, 0.06);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 10px 0;
    gap: 16px;
}

.logo {
    display: flex;
    flex-direction: column;
}

.logo-link {
    text-decoration: none;
}

.logo-main {
    font-weight: 700;
    letter-spacing: 0.02em;
    font-size: 1.1rem;
    color: 
#102a43;
}

.logo-sub {
    font-size: 0.8rem;
    color: 
#627a92;
}

.main-nav {
    display: flex;
    align-items: center;
    gap: 16px;
    font-size: 0.9rem;
    flex-wrap: wrap;
    justify-content: flex-end;
}

.main-nav a {
    color: 
#1f2933;
    padding: 6px 10px;
    border-radius: 999px;
}

.main-nav a:hover {
    background-color: 
#e4eff9;
    text-decoration: none;
}

.nav-cta {
    background-color: 
#0057a3;
    color: 
#ffffff;
}

.nav-cta:hover {
    background-color: 
#00447f;
}

/* =========================
   Hero
========================= */

.hero {
    background: linear-gradient(135deg, 
#0057a3, 
#00a676);
    color: 
#ffffff;
    padding: 72px 0 72px;
}

.hero-inner {
    display: grid;
    grid-template-columns: minmax(0, 1.7fr) minmax(0, 1.1fr);
    gap: 32px;
    align-items: center;
}

.hero-text h1 {
    color: 
#ffffff;
}

.hero-subtitle {
    font-size: 1.05rem;
    margin-bottom: 16px;
    max-width: 640px;
}

.hero-benefits {
    list-style: none;
    padding: 0;
    margin: 0 0 16px;
}

.hero-benefits li {
    margin-bottom: 4px;
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 12px;
}

.hero-trust {
    font-size: 0.9rem;
    opacity: 0.9;
}

.hero-box {
    background-color: 
rgba(255, 255, 255, 0.96);
    color: 
#102a43;
    border-radius: 16px;
    padding: 24px 24px 28px;
    box-shadow: 0 18px 40px 
rgba(0, 0, 0, 0.10);
}

.hero-box h2 {
    margin-bottom: 8px;
    color: 
#102a43;
}

.hero-box p {
    margin-bottom: 16px;
}

.hero-steps {
    padding-left: 20px;
    margin-bottom: 20px;
}

.hero-box-note {
    font-size: 0.85rem;
    color: 
#627a92;
}

/* =========================
   Grids / Karten
========================= */

.grid-3 {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
}

.grid-2 {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);
    gap: 32px;
}

.card {
    background-color: 
#ffffff;
    border-radius: 16px;
    padding: 24px;
    box-shadow: 0 10px 24px 
rgba(15, 23, 42, 0.06);
}

.card-list {
    list-style: none;
    padding: 0;
    margin: 0 0 16px;
}

.card-list li {
    margin-bottom: 6px;
    padding-left: 14px;
    position: relative;
}

.card-list li::before {
    content: "•";
    position: absolute;
    left: 0;
    color: 
#00a676;
}

.insurance-grid {
    margin-top: 24px;
}

.card-cta {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

/* =========================
   Schritte / Ablauf
========================= */

.steps {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
    margin-top: 24px;
    margin-bottom: 16px;
}

.step {
    background-color: 
#ffffff;
    border-radius: 12px;
    padding: 20px;
    box-shadow: 0 8px 18px 
rgba(15, 23, 42, 0.05);
}

.step-number {
    width: 28px;
    height: 28px;
    border-radius: 999px;
    background-color: 
#0057a3;
    color: 
#ffffff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 8px;
}

.steps-cta {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 8px;
}

.steps-note {
    font-size: 0.9rem;
    color: 
#627a92;
}

/* =========================
   FAQ
========================= */

.faq-list {
    max-width: 800px;
}

.faq-list details {
    background-color: 
#ffffff;
    border-radius: 12px;
    padding: 14px 18px;
    margin-bottom: 10px;
    box-shadow: 0 6px 16px 
rgba(15, 23, 42, 0.05);
}

.faq-list summary {
    cursor: pointer;
    font-weight: 600;
    list-style: none;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list details[open] summary {
    margin-bottom: 6px;
}

/* =========================
   Starker CTA
========================= */

.cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

/* =========================
   Formular & Kontakt
========================= */

.contact-form {
    background-color: 
#ffffff;
    border-radius: 16px;
    padding: 24px;
    box-shadow: 0 12px 28px 
rgba(15, 23, 42, 0.06);
}

.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-size: 0.9rem;
    margin-bottom: 4px;
    color: 
#102a43;
}

input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
    width: 100%;
    padding: 10px 12px;
    border-radius: 8px;
    border: 1px solid 
#cbd2e1;
    font-size: 0.95rem;
    font-family: inherit;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: 
#0057a3;
    box-shadow: 0 0 0 2px 
rgba(0, 87, 163, 0.15);
}

textarea {
    resize: vertical;
}

.form-group-inline {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 0.9rem;
}

.form-group-inline input[type="checkbox"] {
    margin-top: 3px;
}

.form-note {
    font-size: 0.8rem;
    color: 
#627a92;
    margin-top: 8px;
}

.contact-info {
    padding-top: 8px;
}

.contact-highlight {
    font-size: 1rem;
    margin: 12px 0;
}

.trust-box {
    margin-top: 16px;
    background-color: 
#f8fafc;
    border-radius: 12px;
    padding: 16px;
    font-size: 0.9rem;
}

.trust-box ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.trust-box li {
    margin-bottom: 4px;
    padding-left: 14px;
    position: relative;
}

.trust-box li::before {
    content: "•";
    position: absolute;
    left: 0;
    color: 
#00a676;
}

/* =========================
   Footer
========================= */

.main-footer {
    background-color: 
#0b1724;
    color: 
#cbd2e1;
    padding: 20px 0;
    font-size: 0.85rem;
}

.footer-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}

.footer-logo {
    font-weight: 600;
    margin: 0 0 4px;
}

.footer-copy {
    margin: 0;
}

.footer-links {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.footer-links a {
    color: 
#cbd2e1;
    text-decoration: none;
}

.footer-links a:hover {
    text-decoration: underline;
}

/* =========================
   Responsive
========================= */

@media (max-width: 960px) {
    .hero-inner {
        grid-template-columns: minmax(0, 1fr);
    }

    .hero-box {
        max-width: 420px;
        margin: 0 auto;
    }

    .grid-3 {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .grid-2 {
        grid-template-columns: minmax(0, 1fr);
    }

    .steps {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .cta-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 720px) {
    h1 {
        font-size: 2rem;
    }

    h2 {
        font-size: 1.6rem;
    }

    .header-inner {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }

    .main-nav {
        justify-content: flex-start;
        gap: 8px;
        font-size: 0.85rem;
    }

    .grid-3 {
        grid-template-columns: minmax(0, 1fr);
    }

    .steps {
        grid-template-columns: minmax(0, 1fr);
    }

    .hero {
        padding-top: 56px;
    }
}