/* Finanzierungscenter Stockelsdorf – gemeinsames Layout */
@font-face{font-family:"Poppins";src:url(poppins-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Poppins";src:url(poppins-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Poppins";src:url(poppins-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

:root{
  --ink:#14283d;          /* Fließtext */
  --muted:#51637a;        /* Nebentext */
  --brand:#3176af;        /* Logo-Blau */
  --brand-dark:#1f5f98;   /* Buttons, Links */
  --navy:#12304f;         /* Überschriften, Footer */
  --soft:#eef4fa;         /* helle Flächen */
  --line:#d8e3ee;
  --white:#fff;
  --ok:#2e7d4f;
  --radius:14px;
  --shadow:0 6px 24px rgba(18,48,79,.08);
  --max:1120px;
  --head:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --body:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--body);font-size:18px;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand-dark)}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--head);color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(30px,4.6vw,48px);font-weight:700;letter-spacing:-.01em}
h2{font-size:clamp(25px,3.2vw,36px);font-weight:600}
h3{font-size:20px;font-weight:600}
h1,h2{overflow-wrap:break-word}
h3{overflow-wrap:break-word;hyphens:auto}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.center{text-align:center}
.center .narrow{margin-left:auto;margin-right:auto}
.lead{font-size:20px;color:var(--muted)}
.eyebrow{display:inline-block;font-family:var(--head);font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:100}
:focus-visible{outline:3px solid var(--brand);outline-offset:2px}

/* Kopfzeile */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.2) blur(6px)}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.logo img{width:175px}
.nav{display:flex;align-items:center;gap:6px}
.nav a{font-family:var(--head);font-weight:500;font-size:16px;color:var(--navy);text-decoration:none;padding:8px 10px;border-radius:8px;white-space:nowrap}
.nav a:hover,.nav a[aria-current=page]{background:var(--soft);color:var(--brand-dark)}
.nav .btn{margin-left:8px;color:#fff}
.nav .btn:hover{background:var(--navy);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:600 16px var(--head);color:var(--navy);cursor:pointer}
@media (max-width:1240px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 20px 18px;box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav a{padding:12px}
  .nav .btn{margin:8px 0 0;text-align:center}
  .logo img{width:160px}
}

/* Buttons */
.btn{display:inline-block;font-family:var(--head);font-weight:600;font-size:17px;text-decoration:none;background:var(--brand-dark);color:#fff;padding:13px 22px;border-radius:10px;border:2px solid var(--brand-dark);cursor:pointer;transition:background .15s}
.btn:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-ghost{background:transparent;color:var(--brand-dark)}
.btn-ghost:hover{background:var(--soft);color:var(--navy);border-color:var(--brand-dark)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:var(--soft);color:var(--navy);border-color:var(--soft)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.center .btn-row,.btn-row.center{justify-content:center}

/* Abschnitte */
section{padding:72px 0}
.bg-soft{background:var(--soft)}
.bg-navy{background:var(--navy);color:#dfe8f2}
.bg-navy h2,.bg-navy h3{color:#fff}
.sec-head{max-width:760px;margin:0 auto 40px;text-align:center}

/* Hero */
.hero{padding:64px 0 72px;background:linear-gradient(180deg,var(--soft),#fff)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:48px;align-items:center}
.hero-img{border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}
.hero .lead{max-width:560px}
.trust{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:22px;padding:0;list-style:none;font-size:16px;color:var(--muted)}
.trust li::before{content:"✓ ";color:var(--ok);font-weight:700}
.page-hero{padding:56px 0;background:linear-gradient(180deg,var(--soft),#fff);text-align:center}
.page-hero .lead{max-width:720px;margin:0 auto}
@media (max-width:860px){.hero-grid{grid-template-columns:minmax(0,1fr);gap:28px}.hero{padding:36px 0 48px}section{padding:52px 0}}

/* Karten */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:960px){.g4,.g3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.card .icon{font-size:28px;line-height:1;margin-bottom:12px}
.card.plain{box-shadow:none}
.card a.more{font-family:var(--head);font-weight:600;text-decoration:none}

/* Schritte */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{position:relative;padding:28px 24px 24px;background:#fff;border-radius:var(--radius);border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--brand-dark);color:#fff;font:700 19px var(--head);margin-bottom:14px}
@media (max-width:760px){.steps{grid-template-columns:1fr}}

/* Zweispaltig mit Bild */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center}
.split img{border-radius:18px;box-shadow:var(--shadow);width:100%}
@media (max-width:860px){.split{grid-template-columns:minmax(0,1fr);gap:26px}}
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{padding-left:30px;position:relative;margin-bottom:10px}
.checks li::before{content:"✓";position:absolute;left:0;top:0;color:var(--ok);font-weight:700}

/* Kundenstimmen */
blockquote{margin:0;font-size:18px}
blockquote p{font-style:italic}
blockquote footer{font-family:var(--head);font-weight:600;color:var(--navy);font-size:15px}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-family:var(--head);font-weight:600;color:var(--navy);padding:18px 28px 18px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:24px;color:var(--brand)}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:6px}

/* CTA-Band */
.cta-band{background:linear-gradient(135deg,var(--brand-dark),var(--navy));color:#e6eef7;text-align:center}
.cta-band h2{color:#fff}

/* Formulare */
.form{display:grid;gap:16px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:620px){.form .row{grid-template-columns:1fr}}
label{font-family:var(--head);font-weight:500;font-size:15px;color:var(--navy);display:block;margin-bottom:6px}
input,select,textarea{width:100%;font:inherit;font-size:17px;padding:12px 14px;border:1.5px solid #b9c9da;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--brand);outline:none;box-shadow:0 0 0 3px rgba(49,118,175,.18)}
textarea{min-height:140px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-family:var(--body);font-weight:400;font-size:15px;color:var(--muted)}
.consent input{width:20px;height:20px;margin-top:3px;flex:0 0 auto}
.hp{position:absolute;left:-9999px}
.form-msg{font-weight:600}
.small{font-size:14px;color:var(--muted)}

/* Kontaktbox */
.contact-box{background:var(--soft);border-radius:var(--radius);padding:26px}
.contact-box img{width:120px;height:120px;border-radius:50%;object-fit:cover;margin-bottom:14px}

/* Fußzeile */
.site-foot{background:var(--navy);color:#c9d6e4;padding:52px 0 28px;font-size:16px}
.site-foot a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px}
.foot-grid h3{color:#fff;font-size:17px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:6px}
.foot-logo{background:#fff;border-radius:10px;padding:10px 14px;display:inline-block;margin-bottom:14px}
.foot-logo img{width:170px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:18px;font-size:14px;display:flex;flex-wrap:wrap;gap:8px 18px;justify-content:space-between}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr}}

/* Schnellkontakt (mobil) */
.quick{display:none}
@media (max-width:760px){
  .quick{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -4px 16px rgba(0,0,0,.12)}
  .quick a{flex:1;text-align:center;padding:14px 8px;font:600 16px var(--head);text-decoration:none;color:#fff}
  .quick .q-tel{background:var(--brand-dark)}
  .quick .q-wa{background:#1d8f4f}
  body{padding-bottom:54px}
}

/* Rechtstexte */
.legal h2{font-size:24px;margin-top:1.6em}
.legal h3{font-size:19px;margin-top:1.3em}
.nav .btn[aria-current=page]{background:var(--navy);color:#fff}
[id]{scroll-margin-top:90px}
/* Foto-Kopfbereich (Über mich) */
.photo-hero{background-size:cover;background-position:left center;min-height:440px;display:flex;align-items:center;padding:60px 0}
.photo-hero .wrap{width:100%;display:flex;justify-content:flex-end}
.photo-hero-text{max-width:520px;color:#fff}
.photo-hero-text h1{color:#fff}
.photo-hero-text .lead{color:#e3ecf5}
.photo-hero-text .eyebrow{color:#cfe3f5}
@media (max-width:760px){.photo-hero{min-height:0;padding:150px 0 40px;background-position:30% top;background-image:linear-gradient(180deg,rgba(18,48,79,0) 0%,rgba(18,48,79,.75) 35%,rgba(18,48,79,.95) 100%),url(holstentor-luebeck.jpg) !important}}
.logo{flex:0 0 auto}.nav a{font-size:15.5px;padding:8px 9px}
.hero-img img{width:100%;max-height:440px;object-fit:cover}

.hero-img.tall{max-width:400px;justify-self:center;width:100%}.hero-img.tall img{max-height:none}
@media(max-width:900px){.hero-img.tall{max-width:300px}}

@media (min-width:1241px) and (max-width:1380px){.nav{gap:2px}.nav a{font-size:15px;padding:8px 8px}.nav .btn{margin-left:6px}}
.pt-badge{display:inline-flex;align-items:center;gap:14px;margin-top:16px;padding:12px 20px;border:2px solid #1f7a3f;border-radius:14px;background:#effaf3;color:var(--navy);text-decoration:none;font-family:var(--head);font-size:17px;line-height:1.3;transition:background .2s,transform .2s}
.pt-badge:hover{background:#dff3e6;transform:translateY(-1px)}
.pt-badge .pt-flags{font-size:30px;line-height:1;white-space:nowrap;flex:0 0 auto}
.pt-badge small{font-size:14px;font-weight:500;color:#1f7a3f}