/* Schramm Finanzen – Rechtsseiten (Flossbach-Stil, global Header/Footer) */
@font-face{font-family:'Newsreader';font-style:normal;font-weight:300 600;font-display:swap;src:url('../fonts/newsreader.woff2') format('woff2')}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:400;font-display:swap;src:url('../fonts/sourceserif-400-latin.woff2') format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+2000-206F,U+20AC,U+2122,U+2212,U+FEFF,U+FFFD}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:400;font-display:swap;src:url('../fonts/sourceserif-400-latinext.woff2') format('woff2');unicode-range:U+0100-02BA,U+1E00-1EFF,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/sourceserif-600-latin.woff2') format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+2000-206F,U+20AC,U+2122,U+2212,U+FEFF,U+FFFD}
@font-face{font-family:'Source Serif 4';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/sourceserif-600-latinext.woff2') format('woff2');unicode-range:U+0100-02BA,U+1E00-1EFF,U+2C60-2C7F,U+A720-A7FF}
:root{
  --navy:#0b2447;--navy2:#071831;--blue:#1a4a8a;--blue2:#2460ad;
  --ink:#14263f;--body:#515c6b;--muted:#8b94a1;
  --soft:#f4f6f9;--soft2:#eef1f5;--line:#e4e8ee;--white:#fff;
  --serif:'Newsreader','Source Serif 4',Georgia,'Times New Roman',serif;
  --sans:'Manrope',system-ui,-apple-system,Segoe UI,sans-serif;
  --r:16px;--r-lg:22px;--r-pill:100px;--ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box}
html{overflow-x:clip;scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--body);font-family:var(--sans);font-size:16px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:clip}
html.lenis,html.lenis body{height:auto}
.lenis.lenis-smooth{scroll-behavior:auto!important}
.lenis.lenis-stopped{overflow:clip}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:var(--serif);color:var(--ink);font-weight:450;letter-spacing:-.006em;line-height:1.15;margin:0;overflow-wrap:break-word;hyphens:auto;font-variation-settings:"opsz" 60}
.wrap{max-width:880px;margin:0 auto;padding:0 28px}
.eyebrow{display:inline-flex;align-items:center;font-weight:600;font-size:12.5px;letter-spacing:.04em;padding:8px 16px;border-radius:var(--r-pill);background:rgba(255,255,255,.1);color:#fff;margin-bottom:22px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:12px;line-height:1;font-family:var(--sans);font-weight:600;font-size:15.5px;padding:7px 7px 7px 24px;border-radius:var(--r-pill);cursor:pointer;border:0;transition:background .25s var(--ease)}
.btn .chev{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.btn .chev svg{width:12px;height:12px}
.btn-navy{background:var(--navy);color:#fff}.btn-navy .chev{background:#fff;color:#6D5945}.btn-navy:hover{background:var(--blue)}
.btn-light{background:#fff;color:var(--navy)}.btn-light .chev{background:#fff;color:#6D5945}

/* header */
#hdr{position:fixed;top:0;left:0;right:0;z-index:100;background:#fff;border-bottom:1px solid var(--line);transition:border-color .3s var(--ease),background .3s var(--ease)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;gap:24px;max-width:1340px;margin:0 auto;padding:0 28px}
.logo img{height:30px;width:auto;display:block}
.nav-links{display:flex;gap:36px}
.nav-links a{font-size:15px;font-weight:500;color:var(--ink);position:relative;padding:4px 0;white-space:nowrap}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:1.5px;background:var(--blue);transition:width .3s var(--ease)}
.nav-links a:hover::after{width:100%}
.nav-cta{display:flex;align-items:center;gap:12px}.nav-util{display:flex;align-items:center;gap:20px}.nav-u{display:flex;flex-direction:column;align-items:center;gap:3px;background:none;border:0;cursor:pointer;color:var(--ink);font-family:var(--sans);font-size:11px;font-weight:500;letter-spacing:.02em;padding:0;line-height:1.1}.nav-u svg{width:19px;height:19px}.nav-u:hover{color:var(--blue)}
.nav-cta .btn{padding:6px 6px 6px 20px;font-size:14.5px}.nav-cta .btn .chev{width:36px;height:36px}
.nav-toggle{display:none;background:none;border:none;color:var(--ink);cursor:pointer;padding:6px}
.mobile-menu{position:fixed;inset:0;top:0;background:var(--navy);z-index:120;transform:translateY(-100%);transition:transform .45s var(--ease);display:flex;flex-direction:column;padding:24px 26px}
body.menu-open .mobile-menu{transform:none}
.mm-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:30px}
.mm-top img{height:28px;filter:brightness(0) invert(1)}
.mm-close{background:none;border:none;color:#fff;cursor:pointer;padding:6px}
.mobile-menu a.mm-link{color:#fff;font-family:var(--serif);font-size:28px;padding:15px 2px;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-menu .mm-cta{margin-top:26px}

/* legal hero */
.legal-hero{background:var(--navy);color:#fff;padding:150px 0 clamp(44px,6vw,70px);position:relative;overflow:hidden}
.legal-hero::after{content:"";position:absolute;right:-120px;top:-100px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(36,96,173,.35),transparent 62%)}
.legal-hero .wrap{position:relative;z-index:1}
.legal-hero h1{color:#fff;font-size:clamp(38px,5vw,60px)}
.legal-hero p{color:rgba(255,255,255,.78);margin:16px 0 0;font-size:16px}

/* legal content */
.legal{padding:clamp(50px,7vw,88px) 0}
.legal h2{font-size:clamp(23px,2.7vw,32px);color:var(--ink);margin:clamp(36px,4.4vw,52px) 0 14px}
.legal h2:first-child{margin-top:0}
.legal p{margin:0 0 16px;color:var(--body);max-width:740px}
.legal a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.legal a:hover{color:var(--blue2)}
.legal ul{margin:0 0 16px;padding-left:20px}
.legal li{margin-bottom:9px;max-width:720px}
.legal strong{color:var(--ink);font-weight:600}
.legal-box{background:transparent;border:1px solid var(--line);border-radius:var(--r);padding:20px 24px;margin:6px 0 10px}
.legal-box p{margin:0 0 12px}.legal-box p:last-child{margin-bottom:0}
.mut{color:var(--muted);font-size:14px}

/* footer */
.footer{position:relative;background:linear-gradient(170deg,var(--navy),var(--navy2));color:rgba(255,255,255,.72);border-radius:var(--r-lg) var(--r-lg) 0 0;margin-top:clamp(40px,5vw,70px);padding:clamp(54px,6vw,78px) 0 28px}
.foot-inner,.footer .wide{max-width:1340px;margin:0 auto;padding:0 28px}
.foot-top{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-bottom:40px;margin-bottom:38px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-top .logo img{height:30px;filter:brightness(0) invert(1)}
.totop{display:inline-flex;align-items:center;gap:10px;background:transparent;border:1px solid rgba(255,255,255,.16);color:#fff;font-family:var(--sans);font-weight:600;font-size:13.5px;padding:13px 22px;border-radius:var(--r-pill);cursor:pointer;transition:background .25s}
.totop:hover{background:rgba(255,255,255,.16)}.totop svg{width:15px;height:15px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1.1fr 1fr 0.9fr;gap:30px}
.foot-about{font-size:14.5px;color:rgba(255,255,255,.7);max-width:300px;margin:0 0 18px}
.foot-contact{font-size:14.5px;color:rgba(255,255,255,.72);margin:0;line-height:1.8}
.foot-contact strong{display:block;color:#fff;font-family:var(--serif);font-size:16px;margin-bottom:6px;font-weight:600}
.foot-contact a{display:inline}.foot-contact a:hover{color:#fff}
.foot-col strong.h{display:block;font-size:12.5px;letter-spacing:0;text-transform:none;color:#fff;font-weight:600;margin-bottom:16px}
.foot-col nav{display:flex;flex-direction:column;gap:11px}
.foot-col nav a{font-size:14.5px;color:rgba(255,255,255,.72)}.foot-col nav a:hover{color:#fff}
.foot-legal{background:#05101f;border:0;border-radius:12px;margin-top:40px;padding:18px 26px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;font-size:13px}
.foot-legal .lset{display:flex;gap:22px;flex-wrap:wrap}
.foot-legal .lset a{color:rgba(255,255,255,.7)}.foot-legal .lset a:hover{color:#fff}
.foot-legal .cp{color:rgba(255,255,255,.5)}.foot-soc{display:flex;gap:14px}.foot-soc a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.22);display:inline-flex;align-items:center;justify-content:center;color:rgba(255,255,255,.75);transition:color .2s,border-color .2s}.foot-soc a:hover{color:#fff;border-color:#fff}.foot-soc svg{width:17px;height:17px}

/* cookie */
.cookie{position:fixed;inset:0;z-index:130;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(7,24,49,.55);-webkit-backdrop-filter:blur(5px);backdrop-filter:blur(5px)}
.cookie.hide{display:none}
.cookie-inner{max-width:440px;width:100%;background:#fff;color:var(--ink);border-radius:var(--r);padding:36px 32px 28px;text-align:center}
.cookie-ic{width:54px;height:54px;margin:0 auto 18px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:var(--soft);color:var(--blue)}
.cookie-ic svg{width:27px;height:27px}
.cookie-inner h3{font-size:21px;margin-bottom:10px}
.cookie-text{font-size:14px;color:var(--body);line-height:1.62;margin:0}
.cookie-text a{color:var(--blue);text-decoration:underline}
.cookie-actions{display:flex;gap:10px;margin-top:24px}
.cbtn{flex:1;font-family:var(--sans);font-weight:600;font-size:14px;padding:14px 16px;border-radius:var(--r-pill);cursor:pointer;border:none;transition:filter .2s}
.cbtn.gh{background:var(--soft);color:var(--ink)}.cbtn.pr{background:var(--navy);color:#fff}

/* widerruf form */
.wform{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px;max-width:680px}
.wform .full{grid-column:1/-1}
.wform label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:7px}
.wform input,.wform textarea,.wform select{width:100%;font-family:var(--sans);font-size:15px;color:var(--ink);background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:13px 15px;transition:border-color .2s,background .2s}
.wform input:focus,.wform textarea:focus,.wform select:focus{outline:none;border-color:var(--blue);background:#fff}
.wform textarea{resize:vertical;line-height:1.6}
.wf-select{position:relative}
.wf-select select{appearance:none;-webkit-appearance:none;padding-right:44px;cursor:pointer}
.wf-select::after{content:"";position:absolute;right:17px;top:46%;width:9px;height:9px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:translateY(-50%) rotate(45deg);pointer-events:none}
.wf-chk{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start;margin:2px 0}
.wf-chk input{width:20px;height:20px;margin-top:1px;accent-color:var(--navy);flex-shrink:0}
.wf-chk span{font-size:13.5px;font-weight:400;color:var(--body);line-height:1.5}
.wf-chk a{color:var(--blue);text-decoration:underline}
.wform .btn{width:100%;justify-content:center;margin-top:4px;padding:15px 24px}
.wf-note{grid-column:1/-1;background:#eaf3ea;color:#1f6b36;border-radius:10px;padding:14px 16px;font-size:14px;margin:4px 0 0}
@media(max-width:560px){.wform{grid-template-columns:1fr}}

@media(max-width:980px){
  .nav-links{display:none}.nav-cta .btn-navy{display:none}.nav-toggle{display:inline-flex}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .wrap{padding:0 22px}.foot-inner,.footer .wide{padding:0 22px}
  .foot-grid{grid-template-columns:1fr}
  .foot-legal{flex-direction:column;align-items:flex-start}
  .legal-box{padding:18px 18px}
}

.nav-dd{position:relative;display:inline-flex}.nav-dd::after{content:"";position:absolute;top:100%;left:-14px;right:-14px;height:18px}.nav-dd-menu{position:absolute;top:calc(100% + 16px);left:50%;transform:translateX(-50%) translateY(-6px);min-width:330px;background:#fff;border:0;border-radius:18px;padding:8px;box-shadow:0 24px 56px -16px rgba(20,38,63,.26),0 6px 18px -8px rgba(20,38,63,.12);clip-path:inset(-80px -80px 100% -80px);visibility:hidden;transition:clip-path .16s var(--ease),transform .16s var(--ease),visibility 0s linear .16s;z-index:120}.nav-dd:hover .nav-dd-menu,.nav-dd:focus-within .nav-dd-menu{visibility:visible;transform:translateX(-50%) translateY(0);clip-path:inset(-80px -80px -80px -80px);transition:clip-path .24s cubic-bezier(.22,1,.36,1),transform .24s cubic-bezier(.22,1,.36,1),visibility 0s linear 0s}
.nav-dd{align-items:center;gap:4px}.nav-dd .dd-chev{width:14px;height:14px;flex:none;color:var(--ink)}
@media (prefers-reduced-motion:reduce){.nav-dd-menu{transition:none!important}}.nav-dd-menu a{display:flex;align-items:center;gap:13px;padding:11px 13px;border-radius:12px;text-decoration:none;color:var(--ink);font-family:var(--sans);font-size:14.5px;font-weight:600;white-space:nowrap;transition:background .15s var(--ease)}.nav-dd-menu a:hover{background:var(--soft)}.nav-dd-menu a::after{display:none}.nav-dd-menu .ndi{width:40px;height:40px;border-radius:12px;background:var(--soft);color:var(--blue);display:flex;align-items:center;justify-content:center;flex:none;transition:background .15s var(--ease),color .15s var(--ease)}.nav-dd-menu .ndi svg{width:21px;height:21px}.nav-dd-menu a:hover .ndi{background:var(--blue);color:#fff}.nav-dd-menu a small{display:block;font-size:12px;color:var(--muted);font-weight:400;margin-top:2px;white-space:normal}
h1,h2,h3{text-wrap:balance}h1,h2,h3,h4{-webkit-hyphens:manual!important;hyphens:manual!important}[data-hl] .w{white-space:nowrap}