:root{
  --anthrazit:#353535;--anthrazit-dark:#262626;--anthrazit-2:#2d2d2d;
  --gruen:#a3c600;--gruen-dark:#6f8700;--weiss:#fff;--grau:#f4f4f2;--muted:#5f5f5f;
  --radius:14px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--anthrazit);background:var(--weiss);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
.eyebrow{display:inline-block;color:var(--gruen);font-weight:700;font-size:13px;letter-spacing:1.6px;text-transform:uppercase;margin-bottom:14px}
.on-light .eyebrow,.eyebrow.dark{color:var(--gruen-dark)}

/* Header */
.site-header{background:var(--anthrazit);color:#fff;position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:70px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:40px;height:40px;border-radius:10px;background:var(--gruen);color:var(--anthrazit);display:grid;place-items:center;font-weight:800;font-size:16px}
.brand-text strong{display:block;font-size:17px;line-height:1.2}
.brand-text span{font-size:12.5px;color:#c9c9c9}
.nav{display:flex;align-items:center;gap:22px;font-size:15px}
.nav a{text-decoration:none;color:#e6e6e6}
.nav a:hover,.nav a[aria-current=page]{color:var(--gruen)}
.btn{display:inline-block;background:var(--gruen);color:var(--anthrazit)!important;text-decoration:none;font-weight:700;font-size:15px;padding:12px 22px;border-radius:999px;transition:background .2s,transform .2s}
.btn:hover{background:#fff;transform:translateY(-1px)}
.btn.small{font-size:14px;padding:9px 16px}
.btn.ghost{background:transparent;border:2px solid var(--gruen);color:var(--gruen)!important}
.btn.ghost:hover{background:var(--gruen);color:var(--anthrazit)!important}

/* Hero / Wer bin ich */
.hero{background:var(--anthrazit);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;left:-160px;bottom:-200px;width:460px;height:460px;border-radius:50%;border:60px solid rgba(163,198,0,.10)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:end;padding-top:56px}
.hero-text{padding-bottom:64px;position:relative;z-index:1}
.hero h1{font-size:clamp(32px,4.6vw,52px);line-height:1.1;font-weight:800;letter-spacing:-.5px}
.hero h1 em{font-style:normal;color:var(--gruen)}
.hero .lead{margin-top:20px;font-size:18px;color:#d6d6d6;max-width:600px}
.hero-actions{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
.hero-photo{align-self:end;position:relative;z-index:1}
.hero-photo img{width:100%;height:auto;border-radius:18px 18px 0 0;object-fit:cover;aspect-ratio:3/4}
.hero-badge{position:absolute;left:-24px;bottom:40px;background:#fff;color:var(--anthrazit);border-radius:12px;padding:12px 16px;box-shadow:0 10px 30px rgba(0,0,0,.25);font-size:14px;line-height:1.35}
.hero-badge strong{display:block;font-size:15px}

/* Fakten */
.facts-sec{background:var(--anthrazit-2);color:#fff;padding:64px 0}
.facts-sec h2{font-size:clamp(26px,3.2vw,36px);line-height:1.2;margin-bottom:8px}
.facts-sec h2 span{color:var(--gruen)}
.facts-sec .sub{color:#cfcfcf;margin-bottom:32px}
.facts{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.facts li{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:16px;display:flex;gap:14px;align-items:flex-start}
.facts .num{flex:0 0 32px;height:32px;border-radius:8px;background:var(--gruen);color:var(--anthrazit);font-weight:800;display:grid;place-items:center}
.facts strong{display:block;font-size:15.5px}
.facts small{color:#c4c4c4;font-size:13.5px}

/* Geldanlage-Band */
.band{padding:72px 0;background:var(--grau)}
.band-card{display:grid;grid-template-columns:1fr 1fr;border-radius:20px;overflow:hidden;background:var(--anthrazit);color:#fff;text-decoration:none;box-shadow:0 18px 50px rgba(53,53,53,.18)}
.band-card img{width:100%;height:100%;object-fit:cover;min-height:320px}
.band-body{padding:44px 40px;display:flex;flex-direction:column;justify-content:center}
.band-body h2{font-size:clamp(26px,3vw,36px);line-height:1.2;margin-bottom:12px}
.band-body p{color:#d0d0d0;margin-bottom:22px}
.band-body .btn{align-self:flex-start}

/* Zwei grosse Kacheln */
.split{padding:72px 0}
.section-head{max-width:720px;margin-bottom:32px}
.section-head h2{font-size:clamp(26px,3.2vw,36px);line-height:1.2}
.section-head p{color:var(--muted);margin-top:10px}
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.big-tile{border-radius:20px;padding:36px 34px;text-decoration:none;display:flex;flex-direction:column;min-height:340px;transition:transform .2s,box-shadow .2s;box-shadow:0 1px 2px rgba(0,0,0,.06),0 12px 34px rgba(53,53,53,.12);border-top:5px solid var(--gruen);background:#fff}
.big-tile.dark{background:var(--anthrazit);color:#fff}
.big-tile:hover{transform:translateY(-4px);box-shadow:0 2px 4px rgba(0,0,0,.06),0 20px 44px rgba(53,53,53,.18)}
.big-tile h3{font-size:28px;line-height:1.2;margin:6px 0 10px}
.big-tile p{color:var(--muted)}
.big-tile.dark p{color:#cfcfcf}
.big-tile ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 26px}
.big-tile li{font-size:13.5px;font-weight:600;padding:6px 12px;border-radius:999px;background:var(--grau)}
.big-tile.dark li{background:rgba(255,255,255,.08)}
.big-tile .tile-link{margin-top:auto}

/* Kacheln (Unterseiten) */
.page-hero{background:var(--anthrazit);color:#fff;padding:52px 0 104px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-80px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(163,198,0,.12)}
.page-hero h1{font-size:clamp(30px,4.4vw,48px);line-height:1.12;font-weight:800;max-width:800px}
.page-hero h1 em{font-style:normal;color:var(--gruen)}
.page-hero p{margin-top:16px;font-size:18px;color:#d6d6d6;max-width:640px}
.crumbs{font-size:13.5px;color:#bdbdbd;margin-bottom:18px}
.crumbs a{text-decoration:none}.crumbs a:hover{color:var(--gruen)}
.tiles-section{margin-top:-60px;position:relative;z-index:2;padding-bottom:64px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.tile{background:#fff;border-radius:var(--radius);padding:28px 26px 24px;text-decoration:none;display:flex;flex-direction:column;box-shadow:0 1px 2px rgba(0,0,0,.06),0 10px 30px rgba(53,53,53,.10);border-top:4px solid var(--gruen);transition:transform .2s,box-shadow .2s;min-height:240px}
.tile:hover{transform:translateY(-4px);box-shadow:0 2px 4px rgba(0,0,0,.06),0 18px 40px rgba(53,53,53,.16)}
.tile:focus-visible,.big-tile:focus-visible,.band-card:focus-visible{outline:3px solid var(--gruen);outline-offset:3px}
.tile-icon{width:46px;height:46px;border-radius:12px;background:var(--grau);display:grid;place-items:center;margin-bottom:18px}
.tile-icon svg{width:24px;height:24px;stroke:var(--anthrazit);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.tile-tag{font-size:12px;font-weight:700;color:var(--gruen-dark);text-transform:uppercase;letter-spacing:1px}
.tile h2,.tile h3{font-size:20px;line-height:1.3;margin:4px 0 8px}
.tile p{font-size:15px;color:var(--muted);flex:1}
.tile-link{margin-top:18px;font-weight:700;font-size:14.5px;display:flex;align-items:center;gap:8px}
.tile-link::after{content:"→";color:var(--gruen-dark);transition:transform .2s}
.big-tile.dark .tile-link::after,.tile.dark .tile-link::after{color:var(--gruen)}
.tile:hover .tile-link::after,.big-tile:hover .tile-link::after{transform:translateX(4px)}
.tile.dark{background:var(--anthrazit);color:#fff}
.tile.dark p{color:#cfcfcf}
.tile.dark .tile-icon{background:rgba(255,255,255,.08)}
.tile.dark .tile-icon svg{stroke:var(--gruen)}
.tile.dark .tile-tag{color:var(--gruen)}

/* Text & FAQ */
.prose{padding:64px 0;background:var(--grau)}
.prose .wrap{max-width:860px}
.prose h2{font-size:28px;line-height:1.25;margin-bottom:14px}
.prose p{color:#454545;margin-bottom:14px}
.faq{padding:64px 0}
.faq .wrap{max-width:860px}
.faq h2{font-size:28px;margin-bottom:20px}
.faq details{border-bottom:1px solid #e3e3e3;padding:18px 0}
.faq summary{font-weight:700;font-size:17px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gruen-dark);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:10px;color:#4a4a4a}

/* CTA */
.cta{background:var(--gruen);padding:52px 0}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta h2{font-size:clamp(24px,3vw,32px);line-height:1.2;color:var(--anthrazit)}
.cta p{color:#2c3a00}
.cta .btn{background:var(--anthrazit);color:#fff!important}
.cta .btn:hover{background:#000}

/* Footer */
.site-footer{background:var(--anthrazit-dark);color:#bdbdbd;font-size:14px;padding:44px 0 32px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px;margin-bottom:28px}
.site-footer h2{font-size:15px;color:#fff;margin-bottom:10px}
.site-footer ul{list-style:none;display:grid;gap:6px}
.site-footer a{text-decoration:none}.site-footer a:hover{color:var(--gruen)}
.foot-bottom{border-top:1px solid #3a3a3a;padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}

/* Legal */
.legal{padding:56px 0 80px}.legal .wrap{max-width:820px}
.legal h1{font-size:36px;margin-bottom:28px}
.legal h2{font-size:20px;margin:32px 0 10px;padding-top:8px;border-top:1px solid #e6e6e6}
.legal h3{font-size:16px;margin:18px 0 6px}
.legal p,.legal li{color:#454545;margin-bottom:8px}
.legal ul{padding-left:20px}.legal a{color:var(--gruen-dark)}
.back{display:inline-block;margin-bottom:20px;font-weight:700;text-decoration:none;color:var(--gruen-dark)}

@media (max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:0}
  .hero-text{padding-bottom:36px}
  .hero-photo{max-width:420px;margin:0 auto}
  .hero-badge{left:12px}
  .facts{grid-template-columns:repeat(2,1fr)}
  .tiles{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav a.hide-m{display:none}
  .band-card,.split-grid{grid-template-columns:1fr}
  .band-card img{min-height:220px;max-height:280px}
  .band-body{padding:30px 24px}
  .big-tile{min-height:0;padding:28px 24px}
}
@media (max-width:600px){
  .brand-text span{display:none}
  .facts,.tiles,.foot-grid{grid-template-columns:1fr}
  .hero .lead,.page-hero p{font-size:16px}
  .tile{min-height:0}
  .nav{gap:14px}
}

/* bKV-Seite */
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.page-hero .hero-actions{margin-top:26px;display:flex;gap:14px;flex-wrap:wrap}
.split .tiles .tile{min-height:0}
.steps li{background:var(--grau);border-color:#e7e7e3}
.steps small{color:var(--muted)}
.prose a{color:var(--gruen-dark);font-weight:600}

/* Startseite: zentrierte Überschrift + Mini-Kacheln */
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.big-tile h3 a{text-decoration:none}
.big-tile h3 a:hover{color:var(--gruen-dark)}
.big-tile.dark h3 a:hover{color:var(--gruen)}
.big-tile:hover{transform:none}
.big-tile .tile-link{text-decoration:none;align-self:flex-start}
.big-tile ul.mini-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:22px 0 26px;flex-wrap:nowrap}
.big-tile ul.mini-grid li{background:none;padding:0;border-radius:0;font-size:inherit}
.mini{display:flex;align-items:center;gap:12px;padding:14px;border-radius:12px;background:var(--grau);text-decoration:none;font-weight:700;font-size:14.5px;line-height:1.3;border:1px solid transparent;transition:border-color .2s,transform .2s,background .2s;height:100%}
.mini:hover{border-color:var(--gruen);transform:translateY(-2px)}
.mini-icon{flex:0 0 36px;height:36px;border-radius:9px;background:#fff;display:grid;place-items:center}
.mini-icon svg{width:19px;height:19px;stroke:var(--anthrazit);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.big-tile.dark .mini{background:rgba(255,255,255,.07);color:#fff}
.big-tile.dark .mini:hover{background:rgba(255,255,255,.12)}
.big-tile.dark .mini-icon{background:rgba(163,198,0,.15)}
.big-tile.dark .mini-icon svg{stroke:var(--gruen)}
@media (max-width:420px){.big-tile ul.mini-grid{grid-template-columns:1fr}}
h1,h2,h3,summary{overflow-wrap:break-word;hyphens:auto;-webkit-hyphens:auto}

/* Quadratische Kacheln */
.sq-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;list-style:none}
.sq{aspect-ratio:1/1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;text-align:center;text-decoration:none;background:#fff;border-radius:16px;border:1px solid #e6e6e2;box-shadow:0 1px 2px rgba(0,0,0,.05),0 8px 24px rgba(53,53,53,.08);padding:16px;transition:transform .2s,box-shadow .2s,border-color .2s;color:var(--anthrazit)}
.sq:hover{transform:translateY(-4px);border-color:var(--gruen);box-shadow:0 2px 4px rgba(0,0,0,.06),0 16px 36px rgba(53,53,53,.14)}
.sq:focus-visible{outline:3px solid var(--gruen);outline-offset:3px}
.sq-icon{width:64px;height:64px;border-radius:16px;background:var(--anthrazit);display:grid;place-items:center}
.sq-icon svg{width:32px;height:32px;stroke:var(--gruen);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.sq h2,.sq .sq-label{font-size:17px;line-height:1.25;font-weight:700;margin:0}
.sq.dark{background:var(--gruen);border-color:var(--gruen)}
.sq.dark .sq-icon{background:var(--anthrazit)}
.tiles-section .sq-grid{grid-template-columns:repeat(3,1fr);max-width:900px;margin:0 auto}
/* Startseite: kleinere Quadrate in den Bereichskarten */
.big-tile .sq-grid.small{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0 26px;flex-wrap:nowrap}
.big-tile .sq-grid.small li{background:none;padding:0;border-radius:0;font-size:inherit}
.sq-grid.small .sq{gap:10px;padding:10px;border-radius:14px;box-shadow:none;background:var(--grau);border-color:transparent}
.sq-grid.small .sq:hover{border-color:var(--gruen);transform:translateY(-2px);box-shadow:none}
.sq-grid.small .sq-icon{width:46px;height:46px;border-radius:12px}
.sq-grid.small .sq-icon svg{width:24px;height:24px}
.sq-grid.small .sq-label{font-size:14px}
.big-tile.dark .sq-grid.small .sq{background:rgba(255,255,255,.07);color:#fff}
.big-tile.dark .sq-grid.small .sq:hover{background:rgba(255,255,255,.12)}
.big-tile.dark .sq-grid.small .sq-icon{background:var(--gruen)}
.big-tile.dark .sq-grid.small .sq-icon svg{stroke:var(--anthrazit)}
/* Themen im Überblick */
.topics{padding:64px 0 24px}
.topics h2{font-size:28px;margin-bottom:24px}
.topics-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px 40px}
.topic{border-left:3px solid var(--gruen);padding-left:16px}
.topic h3{font-size:18px;margin-bottom:6px}
.topic p{color:var(--muted);font-size:15px;margin-bottom:6px}
.topic a{font-weight:700;font-size:14.5px;color:var(--gruen-dark);text-decoration:none}
.topic a::after{content:" →"}
@media (max-width:760px){
  .tiles-section .sq-grid{grid-template-columns:repeat(2,1fr)}
  .topics-grid{grid-template-columns:1fr}
}
@media (max-width:480px){
  .big-tile .sq-grid.small{grid-template-columns:repeat(2,1fr)}
  .sq h2{font-size:15px}
  .sq-icon{width:54px;height:54px}
}
.split-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.sq{min-width:0;overflow-wrap:anywhere;hyphens:auto}
@media (max-width:760px){.split-grid{grid-template-columns:minmax(0,1fr)}.tiles-section .sq-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:480px){.big-tile .sq-grid.small{grid-template-columns:repeat(2,minmax(0,1fr))}}
.big-tile ul.sq-grid.small{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))}
.big-tile ul.sq-grid.small li{display:block;min-width:0}
.big-tile ul.sq-grid.small .sq{width:100%;height:auto}
.sq-grid.small .sq-label{font-size:13.5px;hyphens:manual;overflow-wrap:normal}
@media (max-width:480px){.big-tile ul.sq-grid.small{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* v3: kleine, einheitliche Quadrate in Hellgrün */
.sq-grid,.big-tile ul.sq-grid.small,.tiles-section .sq-grid{display:flex!important;flex-wrap:wrap;gap:12px;grid-template-columns:none;max-width:none}
.tiles-section .sq-grid{justify-content:center;max-width:860px;margin:0 auto}
.sq,.sq-grid.small .sq,.big-tile ul.sq-grid.small .sq{width:124px;height:124px;aspect-ratio:auto;flex:0 0 124px;padding:10px;gap:10px;border-radius:14px;background:#eef6cf;border:1px solid #dcebaa;box-shadow:none;color:var(--anthrazit)}
.big-tile ul.sq-grid.small li{flex:0 0 124px}
.sq:hover,.sq-grid.small .sq:hover{background:#e3f0b4;border-color:var(--gruen);transform:translateY(-2px);box-shadow:0 8px 18px rgba(53,53,53,.10)}
.sq-icon,.sq-grid.small .sq-icon{width:auto;height:auto;background:none!important;border-radius:0}
.sq-icon svg,.sq-grid.small .sq-icon svg{width:34px;height:34px;stroke:var(--anthrazit)!important;stroke-width:1.7}
.sq h2,.sq .sq-label,.sq-grid.small .sq-label{font-size:13px;line-height:1.25;font-weight:700;color:var(--anthrazit)}
.big-tile.dark .sq-grid.small .sq{background:#eef6cf;color:var(--anthrazit)}
.big-tile.dark .sq-grid.small .sq:hover{background:#e3f0b4}
.sq.dark{background:var(--gruen);border-color:var(--gruen)}
.sq.dark:hover{background:#b4d61a}
@media (max-width:480px){
  .sq,.sq-grid.small .sq,.big-tile ul.sq-grid.small .sq{width:104px;height:104px;flex-basis:104px}
  .big-tile ul.sq-grid.small li{flex-basis:104px}
  .sq-icon svg,.sq-grid.small .sq-icon svg{width:28px;height:28px}
  .sq h2,.sq .sq-label{font-size:12px}
}
/* Termin-Widget */
.termin{padding:72px 0;background:var(--grau)}
.termin-box{max-width:760px;margin:0 auto;background:#fff;border-radius:18px;padding:32px;text-align:center;box-shadow:0 10px 30px rgba(53,53,53,.08)}
.termin-box p{color:var(--muted);margin-bottom:18px}
.termin-box a{color:var(--gruen-dark);font-weight:600}
.termin-box .termin-alt{margin:18px 0 0;font-size:14px}

/* v4: Piktogramme im Kreis-Stil (grüne Scheibe, offener weißer Ring, weiße Linie) */
.sq,.sq-grid.small .sq,.big-tile ul.sq-grid.small .sq{width:132px;height:132px;flex:0 0 132px;gap:10px;padding:12px 8px;background:#f3f8e1;border:1px solid #e1edb6}
.big-tile ul.sq-grid.small li{flex:0 0 132px}
.big-tile.dark .sq-grid.small .sq{background:#f3f8e1}
.sq:hover,.sq-grid.small .sq:hover,.big-tile.dark .sq-grid.small .sq:hover{background:#e9f3c4}
.sq-icon,.sq-grid.small .sq-icon{width:64px;height:64px;flex:0 0 64px}
.sq .pic{width:64px;height:64px;display:block}
.pic-bg{fill:var(--gruen)}
.pic-ring{fill:none;stroke:#fff;stroke-width:2.6;stroke-linecap:round}
.pic-line{fill:none;stroke:#fff!important;stroke-width:1.05;stroke-linecap:round;stroke-linejoin:round}
.sq h2,.sq .sq-label,.sq-grid.small .sq-label{font-size:13px;line-height:1.2;min-height:2.4em;display:flex;align-items:flex-start;justify-content:center}
.sq.dark{background:var(--anthrazit);border-color:var(--anthrazit)}
.sq.dark h2{color:#fff}
.sq.dark:hover{background:#2a2a2a}
.sq-icon svg.pic{stroke:none!important}
@media (max-width:480px){
  .sq,.sq-grid.small .sq,.big-tile ul.sq-grid.small .sq{width:132px;height:132px;flex-basis:132px}
  .big-tile ul.sq-grid.small li{flex-basis:132px}
  .sq h2,.sq .sq-label{font-size:13px}
  .big-tile ul.sq-grid.small,.tiles-section .sq-grid{justify-content:center}
}
.sq-icon svg.pic,.sq-grid.small .sq-icon svg.pic,.big-tile .sq-grid.small .sq-icon svg.pic{width:64px!important;height:64px!important}
.pic .pic-bg{stroke:none!important}.pic .pic-ring{stroke:#fff!important}

/* bAV flow + calculator */
.flow{list-style:none;margin:22px 0 18px;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px}
.flow-step{position:relative;background:#f3f8e1;border:1px solid #e1edb6;border-radius:14px;padding:18px 16px 16px;display:flex;flex-direction:column;gap:6px}
.flow-step strong{font-size:16px;line-height:1.3}
.flow-step small{color:#454545;font-size:14px;line-height:1.45}
.flow-num{width:28px;height:28px;border-radius:50%;background:var(--gruen);color:var(--anthrazit);display:grid;place-items:center;font-weight:800;font-size:14px}
.flow-step:not(.flow-end)::after{content:"";position:absolute;right:-22px;top:50%;width:16px;height:16px;border-top:3px solid var(--gruen);border-right:3px solid var(--gruen);transform:translateY(-50%) rotate(45deg)}
.flow-end{background:var(--anthrazit);border-color:var(--anthrazit);color:#fff}
.flow-end small{color:#d8d8d8}
.flow-roles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.flow-roles div{border:1px solid #e3e3df;border-radius:12px;padding:12px 14px}
.flow-roles span{display:block;font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.8px}
.flow-roles strong{font-size:15px}
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;margin-top:8px}
.calc-in,.calc-out{background:#fff;border-radius:16px;padding:22px;box-shadow:0 1px 0 #e6e6e2}
.calc-in label{display:block;font-weight:600;font-size:15px;margin-bottom:18px}
.calc-in output{float:right;color:var(--gruen-dark);font-weight:800}
.calc-in input[type=range]{width:100%;margin-top:10px;accent-color:var(--gruen)}
.calc-in select{width:100%;margin-top:8px;padding:10px;border:1px solid #d6d6d2;border-radius:10px;font:inherit;background:#fff}
.calc-check{display:flex!important;align-items:center;gap:10px;font-weight:500!important}
.calc-check input{width:18px;height:18px;accent-color:var(--gruen)}
.calc-big{background:var(--anthrazit);color:#fff;border-radius:12px;padding:14px 16px;display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:12px}
.calc-big strong{color:var(--gruen);font-size:28px;line-height:1}
.calc-out dl{margin:0}
.calc-out dl div{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px solid #eee;font-size:15px}
.calc-out dd{margin:0;font-variant-numeric:tabular-nums;font-weight:600}
.calc-net{border-bottom:0!important;font-weight:800}
.calc-net dd{color:var(--gruen-dark);font-size:18px}
.calc-lead{margin:12px 0 0;font-weight:700}
.calc-note{font-size:13px;color:var(--muted);margin-top:16px;max-width:900px}
@media (max-width:820px){
  .flow{grid-template-columns:minmax(0,1fr);gap:26px}
  .flow-step:not(.flow-end)::after{right:auto;left:50%;top:auto;bottom:-20px;transform:translateX(-50%) rotate(135deg)}
  .flow-roles,.calc{grid-template-columns:minmax(0,1fr)}
}
.calc-hint{margin:12px 0 0;font-size:13px;color:#8a5a00;background:#fff6e0;border-radius:10px;padding:8px 12px}

/* bKV budget + compare */
.budget-demo{background:#fff;border:1px solid #e3e3df;border-radius:14px;padding:18px;margin:0 0 18px}
.budget-head{display:flex;justify-content:space-between;gap:10px;margin-bottom:10px;font-size:15px}
.budget-head span{color:var(--gruen-dark);font-weight:700}
.budget-bar{display:flex;height:22px;border-radius:999px;background:#ecece8;overflow:hidden}
.budget-bar span{display:block;height:100%}
.b1{background:var(--gruen)}.b2{background:#6f8700}.b3{background:#353535}.b0{background:#ecece8;border:1px solid #d6d6d2}
.budget-legend{list-style:none;margin:12px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px;font-size:14px}
.budget-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.budget-legend b{display:block;font-size:15px}
.compare{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px;margin-top:22px}
.compare-col{border:1px solid #e3e3df;border-radius:14px;padding:18px;background:#fff}
.compare-col span{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.8px;color:var(--muted)}
.compare-col strong{display:block;font-size:24px;margin:6px 0}
.compare-col small{color:#454545;font-size:14px}
.compare-col.win{background:var(--anthrazit);border-color:var(--anthrazit);color:#fff}
.compare-col.win span,.compare-col.win small{color:#d8d8d8}
.compare-col.win strong{color:var(--gruen)}
.bind-tiles{margin-top:0;padding-top:0;background:var(--grau)}
.prose:has(+ .bind-tiles){padding-bottom:28px}
.calc-in select:disabled{opacity:.5}
@media (max-width:820px){.budget-legend{grid-template-columns:repeat(2,minmax(0,1fr))}.compare{grid-template-columns:minmax(0,1fr)}}
.calc-sub{margin:8px 0 0;font-size:14px;color:var(--muted)}

/* GF decision + check */
.decide{background:#fff;border:1px solid #e3e3df;border-radius:16px;padding:20px;margin:6px 0 18px}
.decide-q{font-weight:800;font-size:17px;text-align:center;margin-bottom:14px}
.decide-cols{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.decide-col{border-radius:14px;padding:18px;background:#f3f8e1;border:1px solid #e1edb6}
.decide-col.alert{background:var(--anthrazit);border-color:var(--anthrazit);color:#fff}
.decide-tag{display:block;font-size:13px;color:var(--muted);margin-bottom:6px}
.decide-col.alert .decide-tag{color:#cfcfcf}
.decide-col strong{display:block;font-size:18px;margin-bottom:8px}
.decide-col.alert strong{color:var(--gruen)}
.decide-col ul{margin:0;padding-left:18px;font-size:14px;line-height:1.55}
.gf-check{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:20px;margin-top:10px}
.gf-list{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.gf-list label{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid #e3e3df;border-radius:12px;padding:12px 14px;cursor:pointer;font-size:15px}
.gf-list input{width:20px;height:20px;flex:0 0 20px;margin-top:1px;accent-color:var(--gruen)}
.gf-result{background:var(--anthrazit);color:#fff;border-radius:16px;padding:22px;align-self:start;position:sticky;top:90px}
.gf-score{display:flex;align-items:baseline;gap:8px}
.gf-score strong{font-size:44px;color:var(--gruen);line-height:1}
.gf-bar{height:10px;background:#4a4a4a;border-radius:99px;margin:14px 0;overflow:hidden}
.gf-bar span{display:block;height:100%;background:var(--gruen);transition:width .3s}
.gf-result p{color:#e2e2e2;font-size:15px}
@media (max-width:820px){.decide-cols,.gf-check{grid-template-columns:minmax(0,1fr)}.gf-result{position:static}}

/* embedded calculator */
.calc-frame{width:100%;min-height:1400px;border:0;border-radius:12px;background:#f4f5f1;display:block}
.btn.ghost.dark{border-color:var(--anthrazit);color:var(--anthrazit)!important}.btn.ghost.dark:hover{background:var(--anthrazit);color:#fff!important}
[hidden]{display:none!important}
.cta .btn.ghost.dark{background:transparent!important;border:2px solid var(--anthrazit)!important;color:var(--anthrazit)!important}.cta .btn.ghost.dark:hover{background:var(--anthrazit)!important;color:#fff!important}

/* Google reviews */
.reviews{padding:72px 0;background:#fff}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.rv-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:8px}
.rv{margin:0;background:#f3f8e1;border:1px solid #e1edb6;border-radius:14px;padding:20px;display:flex;flex-direction:column;gap:10px}
.rv-top{display:flex;justify-content:space-between;align-items:center;gap:8px}
.rv-stars{color:#e3a400;letter-spacing:2px;font-size:17px}
.rv-date{font-size:13px;color:var(--muted)}
.rv blockquote{margin:0;font-size:15px;line-height:1.55;color:#353535;flex:1}
.rv figcaption{font-size:13px;font-weight:700;color:var(--anthrazit)}
.rv-actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:24px}
.rv-note{text-align:center;font-size:12.5px;color:var(--muted);max-width:720px;margin:14px auto 0}
@media (max-width:900px){.rv-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.rv-grid{grid-template-columns:minmax(0,1fr)}}
.rv-sum{display:flex;justify-content:center;align-items:center;gap:8px;flex-wrap:wrap;margin:6px 0 18px;font-size:16px}.rv-sum strong{font-size:28px;line-height:1}