:root{
  --ink:#1b222c; --ink-2:#3b4654; --muted:#6b7684; --line:#e3e7ec;
  --bg:#ffffff; --soft:#f4f6f8; --dark:#141a22;
  --red:#d3191f; --red-d:#a91217;
  --radius:14px; --max:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.3rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:.6em}
.lead{font-size:1.15rem;color:var(--ink-2)}
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.85em 1.4em;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:.15s}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:var(--red-d)}
.btn-ghost{border-color:currentColor}.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:#000}
section{padding:84px 0}
.soft{background:var(--soft)}
.center{text-align:center}
.center .lead{max-width:720px;margin-left:auto;margin-right:auto}

/* Kopf */
.topbar{background:var(--dark);color:#cfd6df;font-size:.88rem}
.topbar .wrap{display:flex;gap:22px;justify-content:flex-end;flex-wrap:wrap;padding-top:7px;padding-bottom:7px}
.topbar a{text-decoration:none}.topbar a:hover{color:#fff}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:54px;height:54px;object-fit:cover}
.brand b{display:block;font-size:1.1rem;letter-spacing:.06em}
.brand span{display:block;font-size:.78rem;color:var(--muted)}
nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}
nav a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink-2)}
nav a:hover{color:var(--red)}
.menu-btn{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer}

/* Hero */
.hero{background:linear-gradient(120deg,#141a22 0%,#1f2935 60%,#2a3646 100%);color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(211,25,31,.35),transparent 70%)}
.hero .wrap{display:grid;grid-template-columns:1.25fr .85fr;gap:48px;align-items:center;position:relative;z-index:1}
.hero .lead{color:#c9d2dc}
.hero ul{list-style:none;padding:0;margin:1.4em 0 2em}
.hero li{padding-left:1.8em;position:relative;margin:.45em 0;color:#e6ebf0}
.hero li:before{content:"✓";position:absolute;left:0;color:#ff5a5f;font-weight:800}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.quick{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:0 20px 50px rgba(0,0,0,.35)}
.quick h3{margin-bottom:.3em}
.quick p{color:var(--muted);font-size:.95rem}
.quick .tel{display:block;font-size:1.5rem;font-weight:800;text-decoration:none;margin:.2em 0}
.quick .small{font-size:.85rem;color:var(--muted)}
.quick hr{border:0;border-top:1px solid var(--line);margin:18px 0}

/* Vertrauensleiste */
.trust{border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:26px;padding-bottom:26px}
.trust .wrap>div{display:flex;gap:12px;align-items:flex-start;font-size:.93rem;color:var(--ink-2)}
.trust i{font-style:normal;font-size:1.4rem;line-height:1}
.trust b{display:block;color:var(--ink)}

/* Karten */
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card .ic{width:44px;height:44px;border-radius:12px;background:#fdecec;color:var(--red);display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.card p{color:var(--ink-2);font-size:.96rem;margin:0}

/* Ablauf */
.steps{counter-reset:s}
.step{position:relative;padding-top:58px}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:0;left:0;width:42px;height:42px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;display:grid;place-items:center}

/* Kürzungen */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.check{list-style:none;padding:0;margin:0}
.check li{padding:14px 0 14px 34px;border-bottom:1px solid var(--line);position:relative}
.check li:before{content:"✕";position:absolute;left:0;top:14px;color:var(--red);font-weight:800}
.check b{display:block}
.check span{color:var(--muted);font-size:.93rem}
.quote{background:var(--dark);color:#fff;border-radius:var(--radius);padding:36px}
.quote p{font-size:1.2rem;line-height:1.5}

/* Soforthilfe */
.sos{background:#fff7f7;border:2px solid #f6c9ca;border-radius:var(--radius);padding:34px}
.sos ol{margin:0;padding-left:1.3em}
.sos li{margin:.5em 0}
.sos .box{background:#fff;border-radius:12px;padding:20px;border:1px solid var(--line)}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin-bottom:12px}
summary{cursor:pointer;font-weight:700;list-style:none;position:relative;padding-right:30px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:0;top:-2px;font-size:1.4rem;color:var(--red)}
details[open] summary:after{content:"–"}
details p{margin:.8em 0 0;color:var(--ink-2)}

/* Über uns */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}
.portrait{aspect-ratio:4/5;border-radius:var(--radius);background:linear-gradient(160deg,#e9edf1,#cfd6de);display:grid;place-items:center;color:var(--muted);font-size:.9rem;text-align:center;padding:20px}

/* Kontakt */
.contact{display:grid;grid-template-columns:1fr 1.1fr;gap:40px}
.contact dl{display:grid;grid-template-columns:auto 1fr;gap:8px 18px;margin:0}
.contact dt{color:var(--muted)}
.contact dd{margin:0;font-weight:600}
form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:grid;gap:14px}
label{font-weight:600;font-size:.9rem;display:grid;gap:6px}
input,select,textarea{font:inherit;padding:.75em .9em;border:1px solid #cdd4dc;border-radius:10px;background:#fff;width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid var(--red);border-color:transparent}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{font-weight:400;font-size:.85rem;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.consent input{width:auto;margin-top:4px}

footer{background:var(--dark);color:#aeb8c4;padding:48px 0 30px;font-size:.92rem}
footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}
footer h4{color:#fff;margin:0 0 .8em}
footer a{text-decoration:none}footer a:hover{color:#fff}
footer ul{list-style:none;padding:0;margin:0;line-height:2}
.copy{border-top:1px solid #2a323d;margin-top:30px;padding-top:20px;text-align:center;font-size:.85rem}

.callbar{display:none}

@media (max-width:960px){
  .hero .wrap,.split,.about,.contact{grid-template-columns:1fr}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:1fr}
  .trust .wrap{grid-template-columns:repeat(2,1fr)}
  footer .wrap{grid-template-columns:1fr}
  nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}
  nav.open{display:block}
  nav ul{flex-direction:column;gap:0;padding:8px 20px 16px}
  nav li a{display:block;padding:12px 0;border-bottom:1px solid var(--line)}
  .menu-btn{display:block}
  header .btn{display:none}
  section{padding:64px 0}
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:30;box-shadow:0 -4px 20px rgba(0,0,0,.15)}
  .callbar a{padding:15px;text-align:center;font-weight:800;text-decoration:none;color:#fff;background:var(--red)}
  .callbar a+a{background:var(--ink)}
  body{padding-bottom:56px}
}
@media (max-width:560px){
  .g4,.trust .wrap,.row2{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center;gap:14px}
}

/* ---- Unterseiten ---- */
nav a[aria-current="page"]{color:var(--red)}
.page-hero{background:linear-gradient(120deg,#141a22 0%,#1f2935 60%,#2a3646 100%);color:#fff;padding:72px 0 64px}
.page-hero .lead{color:#c9d2dc;max-width:760px}
.g2{grid-template-columns:repeat(2,1fr)}
.card.dl h2{font-size:1.45rem}
.card.dl p{margin-bottom:1em}
.meta{list-style:none;padding:0;margin:0 0 1.4em;display:flex;gap:8px;flex-wrap:wrap}
.meta li{font-size:.8rem;background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:.2em .8em;color:var(--muted)}
.tick{list-style:none;padding:0;margin:0}
.tick li{padding:10px 0 10px 32px;border-bottom:1px solid var(--line);position:relative}
.tick li:before{content:"✓";position:absolute;left:0;top:10px;color:var(--red);font-weight:800}
.note{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:28px;font-size:.95rem;color:var(--ink-2)}
.filter{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:12px}
.chip-btn{font:inherit;font-size:.9rem;font-weight:600;border:1px solid var(--line);background:#fff;border-radius:999px;padding:.45em 1em;cursor:pointer;color:var(--ink-2)}
.chip-btn:hover{border-color:var(--red);color:var(--red)}
.chip-btn.aktiv{background:var(--ink);border-color:var(--ink);color:#fff}
.block-h{margin-top:44px;font-size:1.5rem}
.urteile{display:grid;gap:18px}
.urteil{background:#fff;border:1px solid var(--line);border-left:4px solid var(--red);border-radius:12px;padding:24px 26px}
.urteil[hidden],.urteile[hidden],.block-h[hidden]{display:none}
.u-kopf{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-bottom:10px}
.chip{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;background:#fdecec;color:var(--red);border-radius:999px;padding:.25em .8em}
.az{font-size:.88rem;color:var(--muted);font-weight:600}
.urteil h3{font-size:1.2rem}
.urteil p{color:var(--ink-2);margin-bottom:.9em}
.tipp{background:var(--soft);border-radius:10px;padding:12px 16px;font-size:.95rem}
.hinweis{margin-top:32px;font-size:.85rem;color:var(--muted)}
@media (max-width:960px){.g2{grid-template-columns:1fr}}
.card-link{text-decoration:none;display:block;border-color:#f3b8ba}
.card-link:hover{box-shadow:0 8px 24px rgba(0,0,0,.08)}
.sos .box a{color:var(--ink)}
nav ul{gap:20px}
nav a{white-space:nowrap}
header .btn{white-space:nowrap}
@media (max-width:1180px){header .btn{display:none}}
@media (max-width:960px){nav ul{gap:0}}
nav ul{gap:16px}
nav a{font-size:.92rem}
header .btn{padding:.65em 1.1em;font-size:.92rem}
@media (max-width:1280px){header .btn{display:none}}
.legal{max-width:820px}
.legal h2{font-size:1.2rem;margin-top:1.8em}
.legal p{color:var(--ink-2)}
mark{background:#fff3a0;padding:0 .2em}
footer .wrap{grid-template-columns:1.3fr 1fr 1fr 1fr}
footer .wrap.copy{display:block}
.rg .card-link b{display:block;margin-top:12px;color:var(--red);font-size:.92rem}
.rg .card-link p{margin:0}
@media (max-width:960px){footer .wrap{grid-template-columns:1fr}}
.tipps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:18px}
.tipp-karte{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.tipp-karte[hidden]{display:none}
.tipp-karte h3 a{text-decoration:none}.tipp-karte h3 a:hover{color:var(--red)}
.tipp-karte p{color:var(--ink-2);font-size:.95rem;flex:1}
.weiter{color:var(--red);font-weight:700;text-decoration:none}
.artikel h2{font-size:1.3rem}
.partner .pname{font-weight:600;margin-bottom:.2em}
.partner .pmeta{color:var(--muted);font-size:.9rem}
.partner .pkontakt{font-size:.9rem;margin:0}
.platzhalter{border-style:dashed;background:#fffdf2}
@media (max-width:960px){.tipps-grid{grid-template-columns:1fr}}
@media (max-width:1400px){header .btn{display:none}}
nav ul{gap:14px}
.brand{flex-shrink:0}
.brand b,.brand span{white-space:nowrap}
@media (max-width:1500px){header .btn{display:none}}
@media (max-width:1180px){
  nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}
  nav.open{display:block}
  nav ul{flex-direction:column;gap:0;padding:8px 20px 16px}
  nav li a{display:block;padding:12px 0;border-bottom:1px solid var(--line)}
  .menu-btn{display:block}
}

/* ---- Relaunch-Hinweis ---- */
.relaunch{position:relative;display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:6px 14px;background:#fff;color:var(--ink-2);font-size:.82rem;padding:9px 16px;border-bottom:1px solid var(--line);overflow:hidden}
.relaunch b{font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--ink)}
.relaunch-dot{width:7px;height:7px;border-radius:50%;background:var(--red);box-shadow:0 0 0 0 rgba(211,25,31,.5);animation:relaunch-puls 2.4s ease-out infinite}
.relaunch-sep{width:1px;height:14px;background:var(--line)}
.relaunch-sub{color:var(--muted)}
.relaunch::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:30%;background:linear-gradient(90deg,transparent,var(--red),transparent);animation:relaunch-lauf 6s ease-in-out infinite}
@keyframes relaunch-puls{0%{box-shadow:0 0 0 0 rgba(211,25,31,.45)}70%,100%{box-shadow:0 0 0 8px rgba(211,25,31,0)}}
@keyframes relaunch-lauf{0%{left:-30%}100%{left:100%}}
@media (max-width:640px){.relaunch-sep{display:none}.relaunch-sub{flex-basis:100%;text-align:center;font-size:.78rem}}
@media (prefers-reduced-motion:reduce){.relaunch-dot,.relaunch::after{animation:none}}