/*
Theme Name: HFR Rechtsschutz
Theme URI: https://www.humboldt-forum-recht.de/
Description: Custom-Theme für das Rechtsschutzversicherungs-Portal (Design "Klar & direkt", Richtung A). Entwickelt aus dem freigegebenen Prototyp.
Author: Finanzriese GmbH
Version: 1.0.0
Requires PHP: 8.0
License: GPL-2.0-or-later
Text Domain: hfr
*/

  :root {
    --navy: #123C63;
    --navy-dark: #0B2A4A;
    --green: #158049; /* AA-konform: weißer Text ≥4,5:1 (vorher #189A56 = 3,62:1) */
    --green-dark: #127440;
    --green-tint: #EAF7F0;
    --ice: #EEF3F8;
    --gold: #F5A623;
    --ink: #22364E;
    --muted: #4A5A6E;
    --line: #D9E2EC;
    --white: #FFFFFF;
    --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  }
  * { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body { font-family: var(--sans); color: var(--ink); background: var(--white); line-height: 1.65; font-size: 17px; }
  img, svg { max-width: 100%; height: auto; }
  a { color: var(--navy); }
  a:focus-visible, button:focus-visible, summary:focus-visible { outline: 3px solid var(--green); outline-offset: 2px; border-radius: 4px; }
  .wrap { max-width: 1140px; margin-inline: auto; padding-inline: 20px; }
  h1, h2, h3 { color: var(--navy-dark); line-height: 1.25; text-wrap: balance; overflow-wrap: break-word; hyphens: auto; }
  p, li, td, summary { overflow-wrap: break-word; }
  h2 { font-size: 1.65rem; margin: 0 0 16px; scroll-margin-top: 96px; }
  h3 { font-size: 1.2rem; margin: 28px 0 10px; scroll-margin-top: 96px; }
  p { margin-bottom: 14px; }
  ul, ol { margin: 0 0 16px 22px; }
  li { margin-bottom: 6px; }

  /* ---------- Header ---------- */
  .site-header {
    position: sticky; top: 0; z-index: 50;
    background: var(--white); border-bottom: 1px solid var(--line);
    box-shadow: 0 1px 10px rgba(11, 42, 74, 0.06);
  }
  .header-inner { display: flex; align-items: center; gap: 26px; min-height: 68px; }
  .logo { display: flex; align-items: center; gap: 10px; text-decoration: none; flex: none; }
  .logo-mark {
    width: 40px; height: 40px; border-radius: 10px; background: var(--navy);
    display: flex; align-items: center; justify-content: center;
    color: #fff; font-family: Georgia, serif; font-size: 1.45rem; flex: none;
  }
  .logo-text { display: inline-flex; flex-direction: column; line-height: 1.08; }
  /* Zeile 1 (HFR + Forum) wird per space-between exakt so breit wie Zeile 2 (Rechtsschutz):
     HFR sitzt links, das „M" von FORUM schließt rechtsbündig über dem „Z" ab. */
  .logo-l1 { display: flex; align-items: baseline; justify-content: space-between; }
  .logo-l1 strong { color: var(--navy); font-size: 1.5rem; font-weight: 800; letter-spacing: 0.01em; }
  .logo-forum, .logo-l2 { color: var(--muted); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; }
  .logo-sep { color: var(--muted); font-size: 0.72rem; font-weight: 600; } /* Trenner | zwischen HFR und FORUM, in FORUM-Größe, ohne Sperrung → exakt mittig */
  .logo-l2 { margin-top: 3px; }
  .main-nav { margin-left: auto; }
  .main-nav > ul { display: flex; gap: 4px; list-style: none; margin: 0; }
  .main-nav > ul > li { position: relative; }
  .main-nav a { display: block; padding: 22px 13px; text-decoration: none; color: var(--ink); font-size: 0.95rem; font-weight: 500; }
  .main-nav > ul > li > a:hover { color: var(--navy); }
  .main-nav li:hover > .dropdown, .main-nav li:focus-within > .dropdown { display: grid; }
  .dropdown {
    display: none; position: absolute; top: 100%; left: 0; min-width: 250px;
    background: var(--white); border: 1px solid var(--line); border-radius: 0 0 12px 12px;
    box-shadow: 0 14px 34px rgba(11, 42, 74, 0.14); list-style: none; padding: 8px;
  }
  .dropdown.cols-2 { min-width: 480px; grid-template-columns: 1fr 1fr; }
  .dropdown a { padding: 8px 12px; border-radius: 7px; font-weight: 400; }
  .dropdown a:hover { background: var(--ice); color: var(--navy); }
  .header-cta {
    background: var(--green); color: #fff !important; font-weight: 700; font-size: 0.92rem;
    padding: 0 20px !important; border-radius: 9px; white-space: nowrap; margin-left: 6px;
    text-decoration: none; display: inline-flex; align-items: center; height: 42px; line-height: 1;
  }
  .header-cta:hover { background: var(--green-dark); }
  .header-cta .cta-short { display: none; } /* Kurzlabel nur auf Mobil */
  .header-tel { font-size: 0.88rem; color: var(--muted); white-space: nowrap; text-decoration: none; }
  .header-tel strong { color: var(--navy); }

  /* ---------- Hero ---------- */
  .hero { background: linear-gradient(180deg, var(--ice) 0%, #E4EDF5 100%); padding: 46px 0 42px; }
  .hero-grid { display: grid; grid-template-columns: 1.12fr 1fr; gap: 44px; align-items: start; }
  h1 { font-size: clamp(1.7rem, 3.6vw, 2.35rem); margin-bottom: 6px; }
  h1 .h1-sub { display: block; font-size: 0.58em; font-weight: 600; color: var(--muted); margin-top: 6px; }
  .hero-checks { list-style: none; margin: 22px 0 0 0; }
  .hero-checks li { padding-left: 32px; position: relative; margin-bottom: 12px; font-size: 1.02rem; }
  .hero-checks li::before {
    content: "✓"; position: absolute; left: 0; top: -1px;
    width: 22px; height: 22px; border-radius: 50%; background: var(--green); color: #fff;
    font-size: 0.8rem; font-weight: 700; display: flex; align-items: center; justify-content: center;
  }
  .hero-trust { display: flex; flex-wrap: wrap; gap: 8px 22px; align-items: center; margin-top: 26px; font-size: 0.88rem; color: var(--muted); }
  .stars { color: var(--gold); letter-spacing: 2px; font-size: 1rem; }

  /* ProvenExpert-Bewertung (Partner: Finanzgewissen UG) — sitewide einsetzbare Komponente */
  .pe-stars { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; color: inherit; }
  .pe-stars:hover strong { text-decoration: underline; }
  .star-row { position: relative; display: inline-block; letter-spacing: 2px; line-height: 1; color: #C2CEDA; font-size: 1.05em; }
  .star-row .fill { position: absolute; left: 0; top: 0; overflow: hidden; white-space: nowrap; color: var(--gold); width: 97.4%; }
  .site-footer .star-row { color: #3C5B82; }
  .pe-note { font-size: 0.76rem; color: #8FA6BD; margin-top: 6px; }

  .calc-card {
    background: var(--white); border-radius: 16px; padding: 26px;
    box-shadow: 0 16px 38px rgba(11, 42, 74, 0.16);
  }
  .calc-card h2, .calc-card .calc-title { font-size: 1.15rem; margin-bottom: 4px; color: var(--navy-dark); }
  .calc-card .calc-sub { font-size: 0.85rem; color: var(--muted); margin-bottom: 16px; }
  .tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 9px; margin-bottom: 16px; }
  .tile {
    border: 2px solid var(--line); border-radius: 10px; background: var(--white);
    padding: 12px 4px 10px; text-align: center; font-size: 0.83rem; color: var(--ink);
    cursor: pointer; font-family: inherit; transition: border-color 0.15s ease, background 0.15s ease;
  }
  .tile svg { display: block; margin: 0 auto 6px; width: 26px; height: 26px; stroke: var(--navy); }
  .tile.on { border-color: var(--green); background: var(--green-tint); font-weight: 600; }
  .tile.on svg { stroke: var(--green-dark); }
  .btn {
    display: block; width: 100%; border: 0; cursor: pointer; text-align: center; text-decoration: none;
    background: var(--green); color: #fff; font-weight: 700; font-size: 1.05rem; font-family: inherit;
    padding: 15px 20px; border-radius: 10px; transition: background 0.15s ease;
  }
  .btn:hover { background: var(--green-dark); }
  .micro { text-align: center; font-size: 0.76rem; color: var(--muted); margin: 10px 0 0; }

  /* ---------- Versicherer-Strip ---------- */
  .strip { background: #F4F7FB; border-top: 1px solid #E3EBF3; border-bottom: 1px solid #E3EBF3; padding: 18px 0; }
  .strip .wrap { display: flex; flex-wrap: nowrap; gap: 20px; align-items: center; }
  .strip-label { flex: none; color: #5A6B7E; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; white-space: nowrap; }
  .logo-row { flex: 1 1 auto; min-width: 0; display: flex; flex-wrap: nowrap; align-items: center; justify-content: space-evenly; gap: 14px; }
  .logo-chip { flex: 0 1 auto; display: inline-flex; align-items: center; justify-content: center; height: 28px; }
  .logo-chip img { max-width: 108px; max-height: 24px; object-fit: contain; display: block; filter: saturate(0.5) opacity(0.9); transition: filter 0.18s ease; }
  .logo-chip:hover img { filter: none; }
  .strip-more { flex: none; white-space: nowrap; color: var(--navy); font-size: 0.85rem; font-weight: 700; text-decoration: none; }
  .strip-more:hover { text-decoration: underline; }
  @media (max-width: 1080px) {
    .strip .wrap { flex-wrap: wrap; justify-content: center; gap: 12px 16px; }
    .logo-row { flex-basis: 100%; flex-wrap: wrap; justify-content: center; }
    /* Volle Desktop-Nav (sichtbar ab 981px) etwas enger, damit sie bis 1080px passt */
    .header-inner { gap: 18px; }
    .main-nav a { padding-left: 9px; padding-right: 9px; }
  }
  @media (prefers-reduced-motion: reduce) { .logo-chip img { transition: none; } }

  /* ---------- Sektionen ---------- */
  section { padding: 46px 0; }
  section.alt { background: var(--ice); }
  .section-head { max-width: 780px; margin-bottom: 26px; }
  .section-head p { color: var(--muted); }

  .kurz-box {
    background: var(--green-tint); border: 1px solid #BFE5D2; border-radius: 14px; padding: 24px 28px;
  }
  .kurz-box h2 { font-size: 1.25rem; margin-bottom: 12px; }
  .kurz-box ul { margin: 0 0 0 2px; list-style: none; }
  .kurz-box li { padding-left: 30px; position: relative; margin-bottom: 10px; }
  .kurz-box li::before {
    content: "✓"; position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%;
    background: var(--green); color: #fff; font-size: 0.72rem; font-weight: 700;
    display: flex; align-items: center; justify-content: center;
  }

  /* Rechner-Fassade */
  .calc-facade {
    background: var(--white); border: 2px dashed var(--line); border-radius: 16px;
    padding: 44px 24px; text-align: center;
  }
  .calc-facade p { max-width: 56ch; margin: 0 auto 18px; color: var(--muted); font-size: 0.95rem; }
  .calc-facade .btn { max-width: 380px; margin-inline: auto; }
  #calc-slot iframe { width: 100%; min-height: 1500px; border: 0; border-radius: 14px; background: #fff; }

  /* Arten-Grid */
  .arten-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(215px, 1fr)); gap: 13px; }
  .art-tile {
    display: flex; align-items: center; gap: 12px; background: var(--white);
    border: 1px solid var(--line); border-radius: 12px; padding: 15px 17px;
    text-decoration: none; color: var(--ink); font-weight: 600; font-size: 0.95rem;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
  }
  .art-tile:hover { border-color: var(--navy); box-shadow: 0 6px 18px rgba(11, 42, 74, 0.10); }
  .art-tile .p {
    width: 36px; height: 36px; border-radius: 9px; background: var(--ice); color: var(--navy);
    font-family: Georgia, serif; font-size: 1.1rem; display: flex; align-items: center; justify-content: center; flex: none;
  }

  /* Versicherer-Chips */
  .chips { display: flex; flex-wrap: wrap; gap: 9px; }
  .chips a {
    text-decoration: none; color: var(--ink); background: var(--white); border: 1px solid var(--line);
    border-radius: 999px; padding: 7px 16px; font-size: 0.88rem;
  }
  .chips a:hover { border-color: var(--navy); color: var(--navy); }

  /* ---------- Content-Layout ---------- */
  .content-grid { display: grid; grid-template-columns: minmax(0, 1fr) 310px; gap: 44px; align-items: start; }
  .article { max-width: 760px; }
  .article h2 { margin-top: 44px; }
  .article h2:first-child { margin-top: 0; }
  .sidebar { position: sticky; top: 92px; }
  .sidebar .calc-card { padding: 22px; }
  .sidebar .tiles { grid-template-columns: repeat(2, 1fr); }

  .toc { background: var(--ice); border: 1px solid var(--line); border-radius: 12px; padding: 6px 20px; margin-bottom: 34px; }
  .toc summary { font-weight: 700; color: var(--navy-dark); padding: 12px 0; cursor: pointer; list-style: none; display: flex; justify-content: space-between; }
  .toc summary::after { content: "▾"; color: var(--muted); }
  .toc[open] summary::after { content: "▴"; }
  .toc ol { margin: 4px 0 16px 22px; columns: 2; column-gap: 32px; font-size: 0.9rem; }
  .toc a { text-decoration: none; }
  .toc a:hover { text-decoration: underline; }

  .box { border-radius: 12px; padding: 18px 22px; margin: 20px 0; font-size: 0.96rem; }
  .box-info { background: var(--ice); border-left: 4px solid var(--navy); }
  .box-warn { background: #FDF4E3; border-left: 4px solid var(--gold); }
  .box strong:first-child { color: var(--navy-dark); }
  blockquote { border-left: 4px solid var(--line); padding: 6px 0 6px 18px; color: var(--muted); font-style: italic; margin: 16px 0; }
  .source { font-size: 0.8rem; color: var(--muted); word-break: break-all; }

  table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: 0.92rem; }
  th, td { border: 1px solid var(--line); padding: 12px 14px; text-align: left; vertical-align: top; }
  th { background: var(--ice); color: var(--navy-dark); }
  .table-scroll { overflow-x: auto; }

  .procon-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 20px 0; }
  .procon-card { border: 1px solid var(--line); border-radius: 14px; padding: 22px 24px; background: var(--white); min-width: 0; }
  .procon-card h3 { margin-top: 0; overflow-wrap: break-word; }
  .procon-card ul { list-style: none; margin-left: 0; }
  .procon-card li { padding-left: 28px; position: relative; margin-bottom: 10px; font-size: 0.93rem; overflow-wrap: break-word; hyphens: auto; }
  .procon-card li strong { display: block; color: var(--navy-dark); }
  .pro li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 700; }
  .contra li::before { content: "✕"; position: absolute; left: 0; color: #C0392B; font-weight: 700; }

  .steps { list-style: none; margin-left: 0; counter-reset: step; }
  .steps li { counter-increment: step; padding: 0 0 4px 52px; position: relative; margin-bottom: 18px; }
  .steps li::before {
    content: counter(step); position: absolute; left: 0; top: 0;
    width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #fff;
    font-weight: 700; display: flex; align-items: center; justify-content: center;
  }
  .steps li strong { display: block; color: var(--navy-dark); margin-bottom: 3px; }

  .stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 22px 0; }
  .stat { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 20px; text-align: center; }
  .stat strong { display: block; font-size: 1.7rem; color: var(--navy); font-variant-numeric: tabular-nums; }
  .stat span { font-size: 0.82rem; color: var(--muted); }

  .cta-banner {
    background: var(--navy); border-radius: 16px; padding: 28px 30px; margin: 36px 0;
    display: flex; align-items: center; justify-content: space-between; gap: 22px; flex-wrap: wrap;
  }
  .cta-banner p { color: #D7E2ED; margin: 0; font-size: 1.02rem; max-width: 46ch; }
  .cta-banner p strong { color: #fff; }
  .cta-banner .btn { width: auto; flex: none; padding: 13px 26px; }

  /* FAQ */
  .faq-item { border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; background: var(--white); }
  .faq-item summary {
    cursor: pointer; list-style: none; font-weight: 600; color: var(--navy-dark);
    padding: 16px 44px 16px 20px; position: relative; font-size: 0.98rem;
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary::after { content: "+"; position: absolute; right: 18px; top: 12px; font-size: 1.5rem; color: var(--green); font-weight: 400; }
  .faq-item[open] summary::after { content: "–"; }
  .faq-item .faq-body { padding: 0 20px 18px; color: var(--muted); font-size: 0.94rem; }
  /* FAQ-Frage als H3 (Heading-Signal), optisch identisch zur Summary */
  .faq-item summary h3.faq-q { display: inline; margin: 0; font: inherit; color: inherit; letter-spacing: 0; }

  /* Footer */
  .site-footer { background: var(--navy-dark); color: #B9C8D9; margin-top: 40px; font-size: 0.88rem; }
  .footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1.3fr 1fr; gap: 40px; padding: 46px 0 30px; align-items: start; }
  .site-footer h4 { color: #fff; font-size: 0.95rem; margin-bottom: 12px; }
  .site-footer ul { list-style: none; margin: 0; }
  .site-footer li { margin-bottom: 7px; }
  .site-footer a { color: #B9C8D9; text-decoration: none; }
  .site-footer a:hover { color: #fff; text-decoration: underline; }
  .footer-brand p { margin-top: 12px; font-size: 0.84rem; line-height: 1.6; }
  .footer-bottom { border-top: 1px solid #1B3A5C; padding: 18px 0; font-size: 0.8rem; display: flex; flex-wrap: wrap; gap: 8px 24px; justify-content: space-between; }
  .footer-logo { display: flex; align-items: center; gap: 10px; color: #fff; }
  .footer-logo .logo-mark { background: #fff; color: var(--navy); }
  .footer-logo .logo-l1 strong { color: #fff; }
  .footer-logo .logo-forum, .footer-logo .logo-l2, .footer-logo .logo-sep { color: #AEBFD1; }

  /* Mobile Sticky CTA */
  .sticky-cta {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: var(--white); border-top: 1px solid var(--line); padding: 10px 16px;
    box-shadow: 0 -6px 20px rgba(11, 42, 74, 0.12);
    display: none;
  }
  .sticky-cta .btn { padding: 13px; font-size: 0.98rem; }

  @media (max-width: 980px) {
    .hero-grid { grid-template-columns: minmax(0, 1fr); gap: 30px; }
    .content-grid { grid-template-columns: minmax(0, 1fr); }
    .sidebar { display: none; }
    .main-nav { display: none; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 680px) {
    body { font-size: 16px; }
    .procon-grid, .stats { grid-template-columns: 1fr; }
    .toc ol { columns: 1; }
    .header-tel { display: none; }
    .header-inner { gap: 8px; min-height: 58px; }
    .logo-mark { width: 36px; height: 36px; font-size: 1.25rem; }
    .logo-l1 strong { font-size: 1.24rem; }
    .logo-forum, .logo-l2 { font-size: 0.62rem; letter-spacing: 0.12em; }
    .logo-sep { font-size: 0.62rem; }
    .header-cta { padding: 9px 12px !important; font-size: 0.85rem; margin-left: auto; }
    .header-cta .cta-full { display: none; }
    .header-cta .cta-short { display: inline; }
    h2 { font-size: 1.4rem; }
    h3 { font-size: 1.1rem; }
    .sticky-cta.show { display: block; }
    body.has-sticky { padding-bottom: 74px; }
    .footer-grid { grid-template-columns: 1fr; }
  }
  @media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    * { transition: none !important; }
  }

/* ============================================================
   Unterseiten (Template-Redesign)
   ============================================================ */
.sub-hero {
  background: linear-gradient(180deg, var(--ice) 0%, #E4EDF5 100%);
  padding: 36px 0 34px;
}
.sub-hero-grid { display: grid; grid-template-columns: 1.35fr 0.65fr; gap: 44px; align-items: center; }
.sub-hero-grid.no-img { grid-template-columns: minmax(0, 1fr); }
.sub-hero h1 { font-size: clamp(1.5rem, 3vw, 2.05rem); margin: 0; }
.breadcrumbs { font-size: 0.8rem; color: var(--muted); margin-bottom: 10px; }
.breadcrumbs a { color: var(--muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--navy); text-decoration: underline; }
.post-meta-line { font-size: 0.82rem; color: var(--muted); margin-bottom: 6px; }
.sub-hero-cta { display: flex; flex-wrap: wrap; gap: 12px 22px; align-items: center; margin-top: 20px; font-size: 0.85rem; color: var(--muted); }
.btn-inline { display: inline-block; width: auto; padding: 13px 26px; }
.sub-hero-img img {
  display: block; width: 100%; height: auto; border-radius: 16px;
  box-shadow: 0 14px 32px rgba(11, 42, 74, 0.14);
}
.kurz-strip { padding: 34px 0 44px; background: var(--white); }
.content-section { padding-top: 40px; }
.article .toc { margin-bottom: 32px; }
.article img { border-radius: 12px; height: auto; margin: 8px 0 6px; }
.article h2 { border-top: 1px solid var(--line); padding-top: 28px; }
.article .toc + h2, .article h2:first-child { border-top: 0; padding-top: 0; }
.article .box p:last-child { margin-bottom: 0; }
.article iframe { border-radius: 12px; }

@media (max-width: 980px) {
  .sub-hero-grid { grid-template-columns: minmax(0, 1fr); gap: 24px; }
  .sub-hero-img { max-width: 420px; }
}


/* ============================================================
   UX-Ausbau: Fortschrittsbalken, Sidebar-TOC, Autor, Rechtsbereiche
   ============================================================ */

/* Lese-Fortschrittsbalken (unterhalb der Navigation) */
.scroll-progress {
  position: absolute; left: 0; bottom: -1px; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--green) 0%, var(--green-dark) 100%);
  z-index: 60; pointer-events: none;
}

/* Hero-Meta (E-E-A-T) */
.hero-meta { display: flex; flex-wrap: wrap; gap: 5px 20px; margin-top: 12px; font-size: 0.84rem; color: var(--muted); }
.hero-meta-item.ok { color: var(--green-dark); font-weight: 600; }

/* Sidebar-Inhaltsübersicht */
.side-toc {
  background: var(--white); border: 1px solid var(--line); border-radius: 14px;
  padding: 18px 16px 14px 20px; margin-top: 14px;
}
.side-toc-title {
  font-weight: 700; color: var(--navy-dark); font-size: 0.95rem; margin: 0 0 10px;
  display: flex; align-items: center; gap: 8px;
}
.side-toc-title::before {
  content: ""; width: 16px; height: 12px; flex: none;
  background: linear-gradient(var(--green) 2px, transparent 2px, transparent 5px, var(--navy) 5px, var(--navy) 7px, transparent 7px, transparent 10px, var(--navy) 10px, var(--navy) 12px, transparent 12px);
}
.side-toc ol { list-style: none; margin: 0; padding: 0; }
.side-toc li { margin: 0; }
.side-toc a {
  display: block; padding: 7px 10px 7px 13px; font-size: 0.84rem; line-height: 1.4;
  color: var(--muted); text-decoration: none; border-left: 2px solid var(--line);
}
.side-toc a:hover { color: var(--navy); border-left-color: var(--navy); }
.side-toc a.on {
  color: var(--green-dark); border-left-color: var(--green); font-weight: 600;
  background: var(--green-tint); border-radius: 0 8px 8px 0;
}
.toc-mobile { display: none; }
.sidebar { max-height: calc(100vh - 106px); overflow-y: auto; overscroll-behavior: contain; scrollbar-width: thin; }

/* Autorenbox */
.author-box {
  display: flex; gap: 18px; align-items: flex-start;
  background: var(--white); border: 1px solid var(--line); border-radius: 14px;
  padding: 22px 24px; margin-top: 40px;
}
.author-avatar {
  width: 58px; height: 58px; border-radius: 50%; background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 1.15rem; letter-spacing: 0.03em; flex: none;
}
.author-box h3 { margin: 0 0 2px; font-size: 1.02rem; border: 0; padding: 0; }
.author-role { font-size: 0.78rem; color: var(--green-dark); font-weight: 600; letter-spacing: 0.02em; margin-bottom: 8px; }
.author-box p { font-size: 0.9rem; color: var(--muted); margin: 0; }
.author-box p.author-role { margin-bottom: 8px; }

/* Rechtsbereiche-Grid (globales Element) */
.rb-section { margin: 40px 0 8px; }
.rb-lede { color: var(--muted); font-size: 0.95rem; }
.rb-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); gap: 12px; margin-top: 18px; }
.rb-tile {
  display: flex; align-items: center; gap: 12px;
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 13px 15px; text-decoration: none; color: var(--ink);
  font-weight: 600; font-size: 0.88rem;
  transition: transform 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}
.rb-tile:hover { border-color: var(--green); transform: translateY(-2px); box-shadow: 0 10px 22px rgba(11, 42, 74, 0.10); }
.rb-tile svg {
  width: 36px; height: 36px; padding: 8px; box-sizing: border-box; flex: none;
  background: var(--ice); border-radius: 9px; stroke: var(--navy);
}
.rb-tile:hover svg { stroke: var(--green-dark); background: var(--green-tint); }
.rb-tile .arrow { margin-left: auto; color: var(--green); font-weight: 700; }

/* Nach-oben-Button */
.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 55;
  width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line);
  background: var(--white); color: var(--navy); font-size: 1.15rem; cursor: pointer;
  box-shadow: 0 8px 22px rgba(11, 42, 74, 0.16);
  opacity: 0; pointer-events: none; transition: opacity 0.2s ease;
}
.to-top.show { opacity: 1; pointer-events: auto; }
.to-top:hover { background: var(--ice); }

@media (max-width: 980px) {
  .toc-mobile { display: block; }
}
@media (max-width: 680px) {
  .to-top { bottom: 86px; right: 14px; }
  .author-box { flex-direction: column; gap: 12px; }
}
@media (prefers-reduced-motion: reduce) {
  .rb-tile, .to-top { transition: none; }
}

/* Weitere Versicherer */
.related-vs { margin-top: 36px; }
.related-vs h2 { border-top: 1px solid var(--line); padding-top: 28px; }
.related-vs .chips a strong { color: var(--navy); }

/* Autor-Foto */
.author-avatar-img { width: 72px; height: 72px; object-fit: cover; border: 2px solid var(--line); background: var(--ice); }
.hero-meta { align-items: center; }
.hero-meta-ava {
  width: 26px; height: 26px; border-radius: 50%; object-fit: cover;
  vertical-align: -7px; margin-right: 7px; border: 1.5px solid var(--green);
}
.article .author-avatar-img { border-radius: 50%; margin: 0; }
.article .hero-meta-ava { margin: 0 7px 0 0; }

/* Autoren-/Über-uns-Karten */
.author-link a { font-weight: 600; font-size: 0.88rem; }
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 16px; margin: 20px 0; }
.team-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 14px;
  padding: 24px; text-align: center;
}
.team-card img { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; margin: 0 auto 12px; border: 3px solid var(--ice); }
.article .team-card img { border-radius: 50%; margin: 0 auto 12px; }
.team-card h3 { margin: 0 0 4px; border: 0; padding: 0; }
.team-card .team-role { font-size: 0.8rem; color: var(--green-dark); font-weight: 600; margin-bottom: 10px; }
.team-card p { font-size: 0.88rem; color: var(--muted); }

/* ============================================================
   Interaktive Tools (Prozesskostenrechner, Bedarfs-Check, Rückcheck)
   ============================================================ */
.sub-hero-lede { color: var(--muted); margin-top: 12px; max-width: 54ch; }
.tool-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  padding: 26px 28px; margin-bottom: 34px; box-shadow: 0 10px 28px rgba(11, 42, 74, 0.08);
}
.tool-row { margin-bottom: 18px; }
.tool-label { display: block; font-weight: 700; color: var(--navy-dark); font-size: 0.92rem; margin-bottom: 8px; }
.tool-radios { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 0.92rem; }
.tool-radios label, .tool-check { display: inline-flex; align-items: center; gap: 7px; cursor: pointer; }
.tool-check { align-items: flex-start; line-height: 1.5; }
.tool-check input { margin-top: 3px; flex: none; }
.tool-card input[type="text"] {
  width: 100%; max-width: 260px; padding: 12px 14px; font-size: 1.05rem;
  border: 2px solid var(--line); border-radius: 9px; font-family: inherit;
}
.tool-card input[type="text"]:focus { border-color: var(--green); outline: none; }
.tool-hint { font-size: 0.8rem; color: var(--muted); margin-top: 6px; }
.tool-presets { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; font-size: 0.82rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 16px; }
.tool-presets button {
  border: 1px solid var(--line); background: var(--ice); border-radius: 999px;
  padding: 6px 14px; font-size: 0.82rem; cursor: pointer; font-family: inherit; color: var(--ink);
}
.tool-presets button:hover { border-color: var(--green); color: var(--green-dark); }
.pkr-summary { background: var(--ice); border-radius: 12px; padding: 18px 22px; margin: 20px 0; }
.pkr-big { font-size: 1.15rem; margin: 0; }
.pkr-big strong { color: #B03A2E; font-size: 1.5rem; }
.pkr-note { margin: 10px 0 0; font-size: 0.92rem; color: var(--navy-dark); }
.pkr-annahmen { font-size: 0.78rem; color: var(--muted); }
.bc-progress { font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--green-dark); font-weight: 700; margin-bottom: 4px; }
.tool-card h3 { margin: 0 0 16px; border: 0; padding: 0; }
.bc-opts { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 10px; margin-bottom: 14px; }
.bc-opt {
  border: 2px solid var(--line); background: var(--white); border-radius: 10px;
  padding: 14px 16px; font-size: 0.95rem; font-family: inherit; color: var(--ink);
  cursor: pointer; text-align: left; transition: border-color 0.15s ease, background 0.15s ease;
}
.bc-opt:hover { border-color: var(--green); background: var(--green-tint); }
.bc-back { border: 0; background: none; color: var(--muted); font-size: 0.85rem; cursor: pointer; padding: 4px 0; font-family: inherit; }
.bc-back:hover { color: var(--navy); text-decoration: underline; }
.bc-result { display: grid; gap: 10px; margin-bottom: 6px; }
.bc-item { background: var(--ice); border-radius: 10px; padding: 14px 18px; }
.bc-item p { margin: 4px 0 0; font-size: 0.88rem; color: var(--muted); }
.rc-ampel { border-radius: 12px; padding: 20px 24px; font-size: 0.95rem; }
.rc-ampel p { margin: 8px 0 0; }
.rc-rot { background: #FBEAE8; border-left: 4px solid #B03A2E; }
.rc-gelb { background: #FDF4E3; border-left: 4px solid var(--gold); }
.rc-gruen { background: var(--green-tint); border-left: 4px solid var(--green); }
.rc-hint { font-size: 0.85rem; color: var(--muted); margin-bottom: 12px; }
.rc-reset { border: 0; background: none; color: var(--muted); font-size: 0.85rem; cursor: pointer; margin-top: 12px; padding: 0; font-family: inherit; }
.rc-reset:hover { color: var(--navy); text-decoration: underline; }

/* Sidebar-Tools-Widget */
.side-tools { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px 12px; margin-top: 14px; }
.side-tools a { display: block; padding: 9px 0; text-decoration: none; color: var(--navy-dark); font-weight: 600; font-size: 0.88rem; border-top: 1px solid var(--ice); }
.side-tools a:first-of-type { border-top: 0; }
.side-tools a span { display: block; font-weight: 400; font-size: 0.78rem; color: var(--muted); }
.side-tools a:hover { color: var(--green-dark); }
/* Inline-Tool-Tipp in Beiträgen */
.tool-tipp { background: var(--ice); border-radius: 9px; padding: 10px 16px; font-size: 0.9rem; }

/* Kündigungsassistent */
.ka-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 18px; }
.tool-select, .tool-textarea { width: 100%; max-width: 320px; padding: 11px 14px; font-size: 1rem; border: 2px solid var(--line); border-radius: 9px; font-family: inherit; background: var(--white); }
.tool-textarea { max-width: 100%; }
.tool-card input[type="date"] { width: 100%; max-width: 240px; padding: 11px 14px; font-size: 1rem; border: 2px solid var(--line); border-radius: 9px; font-family: inherit; }
.ka-frist { font-size: 0.92rem; color: var(--navy-dark); margin-top: 8px; }
.ka-hinweis, .wz-note { font-size: 0.82rem; color: var(--muted); }
.ka-letterfields { margin-top: 8px; }
.ka-letterfields summary { cursor: pointer; font-weight: 600; color: var(--navy); padding: 8px 0; }
.ka-letter-actions { margin: 18px 0; }
.wz-lead { font-size: 1.02rem; }
.wz-mon { color: var(--muted); font-size: 0.85rem; }
/* Beratung */
.beratung-channels { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; margin-bottom: 28px; }
.beratung-ch { display: flex; gap: 14px; align-items: center; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; text-decoration: none; color: var(--ink); transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.beratung-ch:hover { border-color: var(--green); box-shadow: 0 8px 20px rgba(11,42,74,0.10); }
.bc-ico { font-size: 1.7rem; flex: none; }
.beratung-ch strong { display: block; color: var(--navy-dark); }
.beratung-ch em { display: block; font-style: normal; font-size: 0.8rem; color: var(--muted); }
.hfr-hp { position: absolute; left: -9999px; }
/* Vergleichstabellen (Landingpages) */
.vergleich-tabelle table { font-size: 0.9rem; }
.vergleich-tabelle .fff { color: var(--green-dark); font-weight: 700; }
.badge-inline { display: inline-block; background: var(--green-tint); color: var(--green-dark); font-size: 0.72rem; font-weight: 700; padding: 2px 9px; border-radius: 999px; }
/* Checklisten */
.checkliste { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 22px 26px; margin: 20px 0; }
.checkliste h3 { margin-top: 0; }
.checkliste ul { list-style: none; margin-left: 0; }
.checkliste li { padding-left: 30px; position: relative; margin-bottom: 12px; }
.checkliste li::before { content: "☐"; position: absolute; left: 0; font-size: 1.2rem; color: var(--green); }
.checkliste .frist { background: #FBEAE8; border-left: 3px solid #B03A2E; padding: 4px 12px; border-radius: 6px; font-size: 0.9rem; }

/* ============================================================
   Header: Services-Button + Icon-Dropdown
   ============================================================ */
.header-tools { position: relative; }
.header-tools-btn {
  background: var(--ice); color: var(--navy); border: 2px solid var(--navy);
  font-weight: 700; font-size: 0.92rem; font-family: inherit;
  padding: 0 18px; border-radius: 9px; cursor: pointer; white-space: nowrap;
  display: inline-flex; align-items: center; gap: 7px; height: 42px;
  transition: background 0.15s ease;
}
.header-tools-btn:hover { background: #DEE9F3; }
.header-tools-btn .chev { display: inline-flex; align-items: center; transition: transform 0.15s ease; }
.header-tools-btn .chev svg { width: 13px; height: 13px; display: block; }
.header-tools.open .header-tools-btn .chev { transform: rotate(180deg); }
.header-tools-panel {
  position: absolute; right: 0; top: calc(100% + 12px); z-index: 70;
  width: 560px; max-width: calc(100vw - 24px);
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  box-shadow: 0 20px 48px rgba(11, 42, 74, 0.20);
  padding: 12px; display: none; grid-template-columns: 1fr 1fr; gap: 4px;
}
.header-tools.open .header-tools-panel,
.header-tools:focus-within .header-tools-panel { display: grid; }
.ht-item {
  display: flex; gap: 12px; align-items: center;
  padding: 10px 12px; border-radius: 10px; text-decoration: none; color: var(--ink);
}
.ht-item:hover { background: var(--ice); }
.ht-item svg {
  width: 40px; height: 40px; padding: 9px; box-sizing: border-box; flex: none;
  background: var(--ice); border-radius: 10px; stroke: var(--navy);
}
.ht-item:hover svg { background: var(--green-tint); stroke: var(--green-dark); }
.ht-item strong { display: block; font-size: 0.88rem; color: var(--navy-dark); line-height: 1.3; }
.ht-item .sub { display: block; font-size: 0.75rem; color: var(--muted); line-height: 1.35; }
@media (max-width: 980px) {
  .header-tools { margin-left: auto; }
  .header-cta { margin-left: 0; }
}
@media (max-width: 680px) {
  .header-tools-btn { padding: 7px 12px; font-size: 0.85rem; border-width: 1.5px; }
  .header-tools-panel { grid-template-columns: 1fr; position: fixed; left: 12px; right: 12px; top: 62px; width: auto; }
  .header-cta { margin-left: 0 !important; }
}

/* ============================================================
   Rechner-Seite: volle Breite (kein Sidebar-Layout)
   ============================================================ */
.rechner-full { scroll-margin-top: 90px; }
.rechner-full iframe { width: 100%; border: 0; border-radius: 14px; background: #fff; }
.rechner-tools { margin-top: 40px; border-top: 1px solid var(--line); padding-top: 28px; }
.rechner-tools-title { font-weight: 700; color: var(--navy-dark); margin-bottom: 16px; }
.rechner-tools-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; }
.rechner-tools-grid a {
  display: block; background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 16px 18px; text-decoration: none; color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.rechner-tools-grid a:hover { border-color: var(--green); box-shadow: 0 8px 20px rgba(11,42,74,0.08); }
.rechner-tools-grid strong { display: block; color: var(--navy-dark); font-size: 0.95rem; }
.rechner-tools-grid span { display: block; font-size: 0.82rem; color: var(--muted); margin-top: 2px; }

/* Tool-Sektion im Hauptinhalt */
.content-tools { margin-top: 40px; }
.content-tools h2 { border-top: 1px solid var(--line); padding-top: 28px; }
.content-tools-lede { color: var(--muted); margin-bottom: 16px; }
.content-tools-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 12px; }
.content-tools-grid a {
  display: flex; gap: 13px; align-items: center;
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 15px 17px; text-decoration: none; color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease, transform 0.15s ease;
}
.content-tools-grid a:hover { border-color: var(--green); box-shadow: 0 8px 20px rgba(11,42,74,0.10); transform: translateY(-2px); }
.content-tools-grid .ct-ico svg { width: 42px; height: 42px; padding: 10px; box-sizing: border-box; background: var(--ice); border-radius: 11px; stroke: var(--navy); flex: none; }
.content-tools-grid a:hover .ct-ico svg { background: var(--green-tint); stroke: var(--green-dark); }
.content-tools-grid strong { display: block; color: var(--navy-dark); font-size: 0.92rem; line-height: 1.3; }
.content-tools-grid .sub { display: block; font-size: 0.78rem; color: var(--muted); line-height: 1.35; margin-top: 2px; }
@media (prefers-reduced-motion: reduce) { .content-tools-grid a { transition: none; } }

/* ===========================================================================
 * Simplr / Versicherungsordner-App – Landingpage + sitewide Promo-Box
 * ======================================================================== */
:root { --simplr: #F5820C; --simplr-dark: #E8730C; } /* Variante I: kräftiges Orange mit Navy-Text (#0B2A4A = 5,6:1 AA; Hover 4,77:1) */

/* Services-Menü: App-Eintrag hervorheben */
/* Versicherungsordner-App = wichtigstes Tool: dezent über die Simplr-Akzentfarbe (Orange)
   hervorgehoben statt „kostenlos"-Badge → kein Höhenversatz, suggeriert nicht, andere seien kostenpflichtig. */
.ht-item-app { background: #FCF5EE; }
.ht-item-app:hover { background: #F8EADB; }
.ht-item-app svg { background: var(--simplr); stroke: var(--navy-dark); }
.ht-item-app:hover svg { background: var(--simplr-dark); stroke: var(--navy-dark); }
.ht-item-app strong { color: var(--navy-dark); }

/* --- CTA-Button (oranger Akzent, differenziert vom grünen Vergleich-CTA) --- */
.simplr-btn {
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--simplr); color: var(--navy-dark) !important; font-weight: 800; font-size: 1.02rem;
  padding: 15px 30px; border-radius: 11px; text-decoration: none; white-space: nowrap;
  box-shadow: 0 8px 20px rgba(232,115,12,.28); transition: background .15s ease, transform .15s ease, box-shadow .15s ease;
}
.simplr-btn:hover { background: var(--simplr-dark); transform: translateY(-1px); box-shadow: 0 12px 26px rgba(232,115,12,.34); }
.simplr-btn-lg { font-size: 1.15rem; padding: 18px 40px; }

/* --- Hero --- */
.simplr-hero { background: linear-gradient(180deg, var(--green-tint) 0%, #fff 100%); padding: 56px 0 44px; }
.simplr-hero-grid { display: grid; grid-template-columns: 1fr 0.86fr; gap: 48px; align-items: center; }
.simplr-eyebrow { display: inline-flex; align-items: center; gap: 8px; color: var(--green-dark); font-weight: 800; font-size: 0.8rem; letter-spacing: .06em; text-transform: uppercase; margin: 0 0 14px; }
.simplr-eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 4px rgba(24,154,86,.18); }
.simplr-hero h1 { font-size: 2.5rem; line-height: 1.1; color: var(--navy-dark); margin: 0 0 18px; letter-spacing: -.015em; }
.simplr-hero h1 span { color: var(--green-dark); }
.simplr-lede { font-size: 1.16rem; line-height: 1.6; color: var(--ink); margin: 0 0 26px; max-width: 33em; }
.simplr-cta-row { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.simplr-link { color: var(--green-dark); font-weight: 700; text-decoration: none; }
.simplr-link:hover { text-decoration: underline; }
.simplr-trustline { list-style: none; margin: 24px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.simplr-trustline li { color: var(--muted); font-size: 0.92rem; font-weight: 600; position: relative; padding-left: 24px; }
.simplr-trustline li::before { content: "✓"; position: absolute; left: 0; top: -1px; width: 17px; height: 17px; background: var(--green); color: #fff; border-radius: 50%; font-size: 11px; display: flex; align-items: center; justify-content: center; }

/* --- App-Mockup --- */
.simplr-hero-visual { display: flex; justify-content: center; }
.simplr-app { width: 100%; max-width: 340px; background: #fff; border: 1px solid var(--line); border-radius: 22px; box-shadow: 0 24px 60px rgba(11,42,74,.16); padding: 22px 20px; }
.simplr-app-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 18px; }
.simplr-app-head .lbl { color: var(--muted); font-size: 0.8rem; font-weight: 600; margin: 0 0 2px; }
.simplr-app-head .sum { color: var(--navy-dark); font-size: 1.7rem; font-weight: 800; margin: 0; }
.simplr-app-head .sum span { font-size: 0.85rem; font-weight: 600; color: var(--muted); }
.simplr-app-badge { background: var(--green-tint); color: var(--green-dark); font-size: 0.74rem; font-weight: 800; padding: 5px 11px; border-radius: 999px; white-space: nowrap; }
.simplr-app-list { display: flex; flex-direction: column; gap: 9px; }
.simplr-app-row { display: flex; align-items: center; gap: 12px; padding: 12px 13px; background: #F6F8FB; border-radius: 11px; }
.simplr-app-row .ic { width: 30px; height: 30px; border-radius: 8px; background: #fff; border: 1px solid var(--line); flex: none; background-repeat: no-repeat; background-position: center; background-size: 17px; }
.simplr-app-row .ic-car { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23123C63' stroke-width='1.7' stroke-linecap='round'%3E%3Cpath d='M5 15l1.6-5a2 2 0 0 1 1.9-1.4h7a2 2 0 0 1 1.9 1.4L19 15'/%3E%3Crect x='4' y='15' width='16' height='4' rx='1.4'/%3E%3C/svg%3E"); }
.simplr-app-row .ic-home { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23123C63' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 11.5 12 5l8 6.5'/%3E%3Cpath d='M6.5 10.5V19h11v-8.5'/%3E%3C/svg%3E"); }
.simplr-app-row .ic-shield { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23123C63' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3 20 6v6c0 5-3.5 8.5-8 9-4.5-.5-8-4-8-9V6z'/%3E%3C/svg%3E"); }
.simplr-app-row .ic-law { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23123C63' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 4v16M7 20h10M5 8h14M7 8l-2.5 5a3 3 0 0 0 5 0zm10 0-2.5 5a3 3 0 0 0 5 0z'/%3E%3C/svg%3E"); }
.simplr-app-row .nm { flex: 1; color: var(--ink); font-size: 0.9rem; font-weight: 600; }
.simplr-app-row .am { color: var(--navy-dark); font-weight: 800; font-size: 0.9rem; }
.simplr-app-hint { display: flex; align-items: center; gap: 12px; margin-top: 14px; padding: 13px; border-radius: 12px; background: var(--green-tint); border: 1px dashed var(--green); }
.simplr-app-hint-ic { width: 30px; height: 30px; border-radius: 50%; background: var(--green); color: #fff; font-weight: 800; display: flex; align-items: center; justify-content: center; flex: none; }
.simplr-app-hint strong { display: block; color: var(--green-dark); font-size: 0.86rem; }
.simplr-app-hint span { display: block; color: var(--muted); font-size: 0.78rem; }

/* --- Features --- */
.simplr-features { padding: 58px 0; }
.simplr-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.simplr-card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px 24px; transition: transform .15s ease, box-shadow .15s ease; }
.simplr-card:hover { transform: translateY(-3px); box-shadow: 0 14px 30px rgba(11,42,74,.09); }
.simplr-ic { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 12px; background: var(--green-tint); color: var(--green-dark); margin-bottom: 15px; }
.simplr-ic svg { width: 26px; height: 26px; stroke: var(--green-dark); }
.simplr-card h3 { font-size: 1.12rem; color: var(--navy-dark); margin: 0 0 8px; }
.simplr-card p { color: var(--muted); font-size: 0.95rem; line-height: 1.55; margin: 0; }

/* --- Monitoring --- */
.simplr-monitor-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 46px; align-items: center; }
.simplr-monitor-text h2 { margin-top: 0; }
.simplr-check { list-style: none; margin: 18px 0 26px; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.simplr-check li { position: relative; padding-left: 34px; color: var(--ink); line-height: 1.5; }
.simplr-check li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 22px; height: 22px; background: var(--green); color: #fff; border-radius: 50%; font-size: 13px; display: flex; align-items: center; justify-content: center; }
.simplr-quote { background: var(--navy-dark); color: #fff; border-radius: 16px; padding: 28px 26px; }
.simplr-quote .q { font-size: 1.12rem; line-height: 1.5; font-weight: 600; margin: 0 0 12px; }
.simplr-quote .a { color: #9FD9BC; font-size: 0.86rem; margin: 0; }
.simplr-badges { display: flex; gap: 12px; margin-top: 18px; }
.simplr-badges span { flex: 1; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 10px; text-align: center; font-size: 0.72rem; color: var(--muted); line-height: 1.3; }
.simplr-badges b { color: var(--navy-dark); font-size: 0.82rem; }

/* --- Steps --- */
.simplr-steps { padding: 58px 0; }
.simplr-steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; }
.simplr-step { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 28px 24px; position: relative; }
.simplr-step-no { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 12px; background: var(--green); color: #fff; font-weight: 800; font-size: 1.3rem; margin-bottom: 14px; }
.simplr-step h3 { font-size: 1.12rem; color: var(--navy-dark); margin: 0 0 8px; }
.simplr-step p { color: var(--muted); font-size: 0.95rem; line-height: 1.55; margin: 0; }
.simplr-steps-cta { text-align: center; margin-top: 34px; }
.simplr-trust-inline { color: var(--muted); font-size: 0.9rem; margin: 14px 0 0; }
.simplr-trust-inline.light { color: rgba(255,255,255,.85); }

/* --- Secure --- */
.simplr-secure-grid { display: grid; grid-template-columns: 0.95fr 1.05fr; gap: 46px; align-items: start; }
.simplr-secure-grid h2 { margin-top: 0; }
.simplr-secure-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.simplr-secure-item { background: #fff; border: 1px solid var(--line); border-radius: 13px; padding: 18px; }
.simplr-secure-item strong { display: block; color: var(--navy-dark); margin-bottom: 5px; }
.simplr-secure-item span { color: var(--muted); font-size: 0.9rem; line-height: 1.5; }

/* --- FAQ (nutzt .faq-item aus dem globalen CSS) --- */
.simplr-faq { padding: 58px 0; }
.simplr-faq .faq-item { max-width: 820px; margin-left: auto; margin-right: auto; }

/* --- Final CTA --- */
.simplr-final { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%); color: #fff; text-align: center; padding: 60px 0; }
.simplr-final h2 { color: #fff; margin: 0 0 12px; }
.simplr-final p { color: rgba(255,255,255,.88); max-width: 40em; margin: 0 auto 26px; font-size: 1.08rem; }

/* --- Sitewide Promo-Box (auf allen Unterseiten) --- */
.simplr-promo { background: var(--green-tint); border: 1px solid #BEE6D0; border-radius: 16px; padding: 26px 28px; margin: 34px 0; }
.simplr-promo-head { display: flex; align-items: flex-start; gap: 16px; }
.simplr-promo-ic { flex: none; width: 52px; height: 52px; border-radius: 13px; background: var(--green); display: flex; align-items: center; justify-content: center; }
.simplr-promo-ic svg { width: 28px; height: 28px; stroke: #fff; }
.simplr-promo-eyebrow { color: var(--green-dark); font-weight: 800; font-size: 0.72rem; letter-spacing: .06em; text-transform: uppercase; margin: 2px 0 3px; }
.simplr-promo h3 { color: var(--navy-dark); font-size: 1.28rem; margin: 0 0 8px; }
.simplr-promo > .simplr-promo-head > div > p { color: var(--ink); margin: 0; line-height: 1.55; }
.simplr-promo-list { list-style: none; margin: 16px 0 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.simplr-promo-list li { position: relative; padding-left: 30px; color: var(--ink); line-height: 1.45; }
.simplr-promo-list li::before { content: "✓"; position: absolute; left: 0; top: 1px; width: 20px; height: 20px; background: var(--green); color: #fff; border-radius: 50%; font-size: 12px; display: flex; align-items: center; justify-content: center; }
.simplr-promo-cta { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; margin-top: 20px; }
.simplr-promo-cta .simplr-link { color: var(--green-dark); }

/* --- Responsive --- */
@media (max-width: 860px) {
  .simplr-hero-grid, .simplr-monitor-grid, .simplr-secure-grid { grid-template-columns: 1fr; gap: 30px; }
  .simplr-hero h1 { font-size: 2rem; }
  .simplr-grid, .simplr-steps-grid { grid-template-columns: 1fr; }
  .simplr-secure-list { grid-template-columns: 1fr; }
  .simplr-hero-visual { order: -1; }
  .simplr-badges { flex-wrap: wrap; }
}
@media (max-width: 520px) {
  .simplr-promo { padding: 20px; }
  .simplr-promo-head { flex-direction: column; gap: 12px; }
  .simplr-btn { width: 100%; }
}

/* ===========================================================================
 * Footer-Redesign (App-Band, Tools mit Icons, Makler-Trust, Legal-Zeile)
 * ======================================================================== */
.footer-app { background: #123C63; border-bottom: 1px solid #1B3A5C; }
.footer-app-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding: 24px 0; flex-wrap: wrap; }
.footer-app-text { display: flex; align-items: center; gap: 18px; flex: 1 1 420px; }
.footer-app-ic { flex: none; width: 52px; height: 52px; border-radius: 13px; background: rgba(255,255,255,.1); display: flex; align-items: center; justify-content: center; }
.footer-app-ic svg { width: 28px; height: 28px; color: #fff; }
.footer-app-eyebrow { color: #7FE3B0; font-weight: 800; font-size: 0.72rem; letter-spacing: .06em; text-transform: uppercase; margin: 0 0 3px; }
.footer-app-text strong { display: block; color: #fff; font-size: 1.12rem; line-height: 1.3; }
.footer-app-text > div > span { display: block; color: #B9C8D9; font-size: 0.9rem; margin-top: 3px; max-width: 48em; }

.footer-brand p { margin-top: 12px; }
.footer-phone { font-size: 0.92rem; }
.footer-phone a { color: #fff; font-weight: 600; }
.footer-stars { margin: 14px 0 6px; }

/* Tools-Spalte mit Icons */
.footer-tools li { margin-bottom: 9px; }
.footer-tools li a { display: inline-flex; align-items: center; gap: 11px; }
.footer-tools li a:hover { color: #fff; text-decoration: none; }
.footer-tools .fi { flex: none; width: 27px; height: 27px; border-radius: 7px; background: rgba(255,255,255,.07); display: inline-flex; align-items: center; justify-content: center; transition: background .15s ease; }
.footer-tools .fi svg { width: 15px; height: 15px; color: #7FE3B0; }
.footer-tools li a:hover .fi { background: rgba(24,154,86,.28); }

/* Makler-Trust-Band */
.footer-trust { border-top: 1px solid #1B3A5C; padding: 22px 0; display: flex; align-items: center; gap: 18px 34px; flex-wrap: wrap; }
.footer-trust-lead { color: #fff; font-weight: 700; font-size: 0.95rem; margin: 0; display: inline-flex; align-items: center; gap: 9px; }
.footer-trust-lead span { flex: none; width: 21px; height: 21px; background: var(--green); color: #fff; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-size: 12px; }
.footer-brokers { display: flex; gap: 14px; flex-wrap: wrap; margin-left: auto; }
.footer-broker { display: flex; align-items: center; gap: 13px; background: rgba(255,255,255,.05); border: 1px solid #1B3A5C; border-radius: 13px; padding: 9px 18px 9px 9px; text-decoration: none !important; transition: background .15s ease, border-color .15s ease; }
.footer-broker:hover { background: rgba(255,255,255,.09); border-color: #2E5580; }
.footer-broker img { width: 50px; height: 50px; border-radius: 50%; object-fit: cover; flex: none; border: 2px solid rgba(255,255,255,.16); }
.footer-broker .fb-txt strong { display: block; color: #fff; font-size: 0.95rem; }
.footer-broker .fb-txt span { display: block; color: #98AECA; font-size: 0.75rem; margin-top: 2px; }

/* Legal-Zeile */
.footer-legal { display: flex; flex-wrap: wrap; gap: 6px 20px; }
.footer-legal a { color: #98AECA; }
.footer-legal a:hover { color: #fff; }

@media (max-width: 860px) {
  .footer-app-inner { flex-direction: column; align-items: flex-start; }
  .footer-app-inner .simplr-btn { width: 100%; }
  .footer-trust { flex-direction: column; align-items: flex-start; }
  .footer-brokers { margin-left: 0; }
}
@media (max-width: 520px) {
  .footer-broker { flex: 1 1 100%; }
}

/* ===========================================================================
 * Startseite: E-E-A-T-Byline, Top-Tarife-Vergleichstabelle, Methodik-Box
 * ======================================================================== */
.hero-byline { display: flex; align-items: center; gap: 9px; margin: 16px 0 0; color: var(--muted); font-size: 0.84rem; line-height: 1.4; }
.hero-byline svg { flex: none; width: 17px; height: 17px; color: var(--green); }
.hero-byline a { color: var(--navy); font-weight: 600; text-decoration: none; }
.hero-byline a:hover { text-decoration: underline; }

.tarif-vergleich-wrap { position: relative; overflow-x: auto; max-width: 100%; border: 1px solid var(--line); border-radius: 14px; margin: 8px 0 10px; box-shadow: 0 6px 18px rgba(11,42,74,.05); }
.tarif-vergleich { width: 100%; border-collapse: collapse; min-width: 660px; background: #fff; }
.tarif-vergleich thead th { background: var(--ice); color: var(--navy-dark); text-align: left; font-size: 0.78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .03em; padding: 13px 16px; border-bottom: 1px solid var(--line); }
.tarif-vergleich td { padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: middle; font-size: 0.95rem; }
.tarif-vergleich tbody tr:last-child td { border-bottom: 0; }
.tarif-vergleich tbody tr:hover { background: #F7F9FC; }
.tv-anbieter a { color: var(--navy-dark); font-weight: 800; text-decoration: none; font-size: 1.02rem; }
.tv-anbieter a:hover { color: var(--green-dark); }
.tv-price { font-weight: 800; color: var(--navy-dark); white-space: nowrap; }
.tv-badge { display: inline-block; background: var(--ice); color: var(--muted); font-size: 0.75rem; font-weight: 700; padding: 4px 11px; border-radius: 999px; white-space: nowrap; }
.tv-badge-top { background: var(--green-tint); color: var(--green-dark); }
.tv-cta { color: var(--green-dark); font-weight: 700; text-decoration: none; white-space: nowrap; }
.tv-cta:hover { text-decoration: underline; }
.tv-note { font-size: 0.8rem; color: var(--muted); margin: 0 0 26px; }

.methodik-box { background: var(--ice); border: 1px solid var(--line); border-radius: 14px; padding: 24px 26px; margin: 30px 0; }
.methodik-box h3 { margin: 0 0 14px; color: var(--navy-dark); }
.methodik-list { list-style: none; margin: 0 0 14px; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 11px 26px; }
.methodik-list li { position: relative; padding-left: 28px; color: var(--ink); line-height: 1.5; font-size: 0.95rem; }
.methodik-list li::before { content: "✓"; position: absolute; left: 0; top: 1px; width: 19px; height: 19px; background: var(--green); color: #fff; border-radius: 50%; font-size: 12px; display: flex; align-items: center; justify-content: center; }
.methodik-links { margin: 0; font-size: 0.92rem; color: var(--muted); }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

@media (max-width: 640px) {
  .methodik-list { grid-template-columns: 1fr; }
}

/* ===========================================================================
 * Ratgeber-/Blog-Übersicht (Magazin-Layout mit Thumbnails)
 * ======================================================================== */
.blog-archive { background: var(--ice); padding: 46px 0 64px; }
.blog-head { margin-bottom: 30px; }
.blog-head h1 { font-size: 2rem; margin: 0 0 8px; color: var(--navy-dark); }
.blog-head p { color: var(--muted); max-width: 60ch; margin: 0; }

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

.blog-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 16px; overflow: hidden; transition: transform .16s ease, box-shadow .16s ease; }
.blog-card:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(11,42,74,.1); }
.bc-media { display: block; aspect-ratio: 16 / 9; overflow: hidden; background: var(--ice); }
.bc-media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .35s ease; }
.blog-card:hover .bc-media img { transform: scale(1.045); }
.bc-fallback { display: flex; align-items: center; justify-content: center; width: 100%; height: 100%; font-family: Georgia, serif; font-size: 3rem; color: #B7C4D3; }
.bc-body { display: flex; flex-direction: column; flex: 1; padding: 17px 20px 19px; }
.bc-date { font-size: 0.74rem; color: var(--muted); font-weight: 700; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 9px; }
.bc-title { font-size: 1.08rem; line-height: 1.32; margin: 0 0 9px; }
.bc-title a { color: var(--navy-dark); text-decoration: none; }
.bc-title a:hover { color: var(--green-dark); }
.bc-excerpt { color: var(--muted); font-size: 0.9rem; line-height: 1.5; margin: 0 0 14px; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
.bc-more { margin-top: auto; color: var(--green-dark); font-weight: 700; font-size: 0.88rem; }

/* Featured (erster Beitrag jeder Seite – volle Breite, horizontal) */
.blog-featured { grid-column: 1 / -1; flex-direction: row; }
.blog-featured .bc-media { flex: 0 0 46%; aspect-ratio: auto; min-height: 320px; }
.blog-featured .bc-body { padding: 34px 40px; justify-content: center; }
.blog-featured .bc-date { font-size: 0.8rem; }
.blog-featured .bc-title { font-size: 1.72rem; line-height: 1.18; margin-bottom: 14px; }
.blog-featured .bc-excerpt { font-size: 1.02rem; line-height: 1.55; -webkit-line-clamp: 3; margin-bottom: 18px; }
.blog-featured .bc-more { margin-top: 0; font-size: 0.95rem; }

/* Pagination */
.blog-pagination { margin-top: 42px; }
.blog-pagination ul { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; list-style: none; margin: 0; padding: 0; }
.blog-pagination .page-numbers { display: inline-flex; align-items: center; justify-content: center; min-width: 42px; height: 42px; padding: 0 14px; border: 1px solid var(--line); border-radius: 10px; color: var(--navy); text-decoration: none; font-weight: 700; font-size: 0.9rem; background: #fff; transition: border-color .15s ease; }
.blog-pagination a.page-numbers:hover { border-color: var(--navy); }
.blog-pagination .page-numbers.current { background: var(--navy); color: #fff; border-color: var(--navy); }
.blog-pagination .page-numbers.dots { border: 0; background: transparent; min-width: 20px; }

@media (max-width: 900px) {
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .blog-grid { grid-template-columns: 1fr; gap: 18px; }
  .blog-featured { flex-direction: column; }
  .blog-featured .bc-media { flex: none; aspect-ratio: 16 / 9; min-height: 0; }
  .blog-featured .bc-body { padding: 20px; }
  .blog-featured .bc-title { font-size: 1.3rem; }
  .blog-featured .bc-excerpt { font-size: 0.95rem; -webkit-line-clamp: 2; }
}
@media (prefers-reduced-motion: reduce) {
  .blog-card, .bc-media img { transition: none; }
}

/* Sehr schmale Geräte (≤370px): kompaktes Logo „HFR Forum" (Unterzeile aus), enge Buttons */
@media (max-width: 370px) {
  .header-inner { gap: 7px; padding-left: 14px; padding-right: 14px; }
  .logo-mark { width: 33px; height: 33px; font-size: 1.1rem; }
  .logo-l1 { justify-content: flex-start; gap: 6px; }
  .logo-l1 strong { font-size: 1.12rem; }
  .logo-forum { font-size: 0.6rem; letter-spacing: 0.1em; }
  .logo-sep { font-size: 0.6rem; }
  .logo-l2 { display: none; }
  .header-tools-btn { padding-left: 11px !important; padding-right: 11px !important; }
  .header-cta { padding-left: 11px !important; padding-right: 11px !important; }
}

/* Winzige Alt-Geräte (≤340px): nur „HFR" im Logo, damit nichts überläuft */
@media (max-width: 340px) {
  .logo-forum, .logo-sep { display: none; }
}