/* Versicherungsoptimierung.de — Stylesheet (Entwurf A „Prüfstelle mit Rotstift“, Stand 14.10.2026)
   Petrol/Mint, Archivo (variabel, selbst gehostet), Rotstift-Notizen in Caveat. Keine externen Ressourcen. */

@font-face{font-family:"Archivo";src:url("../fonts/archivo-var.woff2") format("woff2");font-weight:100 900;font-stretch:62% 125%;font-style:normal;font-display:swap}
@font-face{font-family:"Caveat";src:url("../fonts/caveat-600.woff2") format("woff2");font-weight:600;font-style:normal;font-display:swap}

:root{
  --pet:#0D3134; --pet2:#134246; --pet3:#1B5552;
  --mint:#3DDBA4; --mint-hi:#8EF0CB; --mint-d:#127A58; --mint-ink:#062A1E;
  --frost:#E8F3EF; --paper:#F7FBF9; --white:#FFFFFF;
  --ink:#0D3134; --mute:#3F6662; --line:#CFE0DA;
  --on-dark:#E8F3EF; --on-dark-2:#C7DDD7; --on-dark-3:#9DC2B9;
  --red:#C8372D; --amber:#F5B841; --hi:#F6E05E;
  --z-red:#E5654B; --z-amber:#F5B841; --z-lime:#A3E58B; --z-mint:#3DDBA4;
  --sans:"Archivo",-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;
  --hand:"Caveat","Segoe Print","Bradley Hand",cursive;
  --maxw:1240px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:var(--mint-d);text-underline-offset:3px}
a:hover{color:var(--ink)}
h1,h2,h3,h4{margin:0;line-height:1.08;letter-spacing:-.02em;color:inherit}
h1,h2{font-weight:800;font-stretch:120%}
h3{font-weight:700}
p{margin:0}
.container{max-width:var(--maxw);margin:0 auto;padding:0 32px}
.muted{color:var(--mute)}
.center{text-align:center}
:focus-visible{outline:3px solid var(--mint);outline-offset:3px;border-radius:4px}
h1,h2,h3,p,li{overflow-wrap:break-word}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--sans);font-weight:700;font-size:16px;line-height:1.2;
  padding:14px 22px;border-radius:12px;border:2px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,border-color .15s,color .15s;min-height:48px}
.btn-primary{background:var(--mint);color:var(--mint-ink)}
.btn-primary:hover{background:var(--mint-hi);color:var(--mint-ink)}
.btn-dark{background:var(--pet);color:#F4FBF8}
.btn-dark:hover{background:var(--pet2);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink);color:var(--ink)}
.btn-light{background:#F4FBF8;color:var(--pet)}
.btn-light:hover{background:#fff;color:var(--pet)}
.btn-lg{font-size:18px;padding:17px 30px;font-stretch:108%}
.btn-sm{font-size:15px;padding:10px 16px;min-height:44px}
.textlink{font-weight:700}

/* Header (dunkel, auf allen Seiten) */
.site-header{position:sticky;top:0;z-index:50;background:var(--pet);border-bottom:1px solid var(--pet3)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px;position:relative}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--on-dark)}
.brand:hover{color:#fff}
.brand img,.brand svg{width:40px;height:40px;border-radius:11px;flex:none}
.brand-name{font-weight:700;font-size:19px;font-stretch:112%;letter-spacing:-.01em;color:var(--on-dark)}
.brand-name .de{color:var(--mint)}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none;margin:0 0 0 auto;padding:0}
.nav-links a{color:var(--on-dark-2);font-size:15px;font-weight:500;text-decoration:none}
.nav-links a:hover{color:#fff}
.nav-cta .btn{padding:11px 18px;min-height:44px;font-size:15px}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:10px;margin-right:-10px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--on-dark);margin:5px 0;transition:.2s}

/* Hero */
.hero{background:var(--pet);color:var(--on-dark);padding:56px 0 112px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:64px;align-items:center}
.hero .kicker{font-size:17px;color:var(--on-dark-3);margin:0 0 22px}
.hero h1{font-size:clamp(40px,5.2vw,76px);line-height:.96;font-stretch:125%;letter-spacing:-.025em;color:#F4FBF8}
.hero .lead{margin:30px 0 0;max-width:34em;font-size:20px;line-height:1.55;color:var(--on-dark-2)}
.hero-cta{margin-top:38px;display:flex;flex-wrap:wrap;align-items:center;gap:22px}
.hero-cta .textlink{color:var(--mint);font-size:17px}
.hero-cta .textlink:hover{color:var(--mint-hi)}
.checks{list-style:none;margin:40px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:12px 28px;font-size:15px;color:var(--on-dark-2)}
.checks li{display:flex;align-items:center;gap:8px}
.checks svg{flex:none}

/* Versicherungsschein mit Rotstift */
.policy-stage{position:relative;display:flex;flex-direction:column;align-items:center;gap:0}
.policy{position:relative;width:100%;max-width:500px;background:#fff;color:#13292B;border-radius:6px;box-shadow:0 30px 60px -24px rgba(0,0,0,.55);
  padding:28px 30px 44px;transform:rotate(-1.6deg);font-size:15px}
.policy-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;border-bottom:2px solid #13292B;padding-bottom:12px}
.policy-head strong{font-size:17px}
.policy-head span{font-size:13px;color:#5A7072}
.policy dl{margin:6px 0 0}
.policy .row{padding:10px 0;border-bottom:1px solid #E3EBE7}
.policy .row:last-child{border-bottom:0;padding-bottom:0}
.policy .kv{display:flex;justify-content:space-between;gap:16px}
.policy dt{color:#5A7072}
.policy dd{margin:0;font-weight:600;text-align:right}
.mark-hi{background:var(--hi);padding:1px 4px;border-radius:2px}
.mark-circle{white-space:nowrap;border:2.5px solid var(--red);border-radius:50%;padding:2px 10px;display:inline-block;transform:rotate(-3deg)}
.mark-strike{text-decoration:line-through;text-decoration-color:var(--red);text-decoration-thickness:2.5px}
.note{margin:3px 0 0;text-align:right;font-family:var(--hand);font-weight:600;font-size:23px;line-height:1.1;color:var(--red)}
.policy-cap{margin-top:22px;font-size:14px;color:var(--on-dark-3);text-align:center}

/* Score-Skala (wird auch im KI-Ergebnis verwendet) */
.scale-card{position:relative;z-index:2;width:calc(100% - 40px);max-width:460px;margin-top:-22px;background:var(--pet2);border:1px solid var(--pet3);border-radius:18px;
  padding:20px 22px 18px;box-shadow:0 24px 40px -20px rgba(0,0,0,.6);color:var(--on-dark)}
.scale-card h2,.scale-card .sc-title{font-size:19px;font-weight:700;font-stretch:110%;letter-spacing:-.01em;margin:0}
.scale-card .sc-sub{font-size:14px;color:var(--on-dark-3);margin-top:2px}
.scale{position:relative;padding-top:58px;margin-top:6px}
.scale-plain{padding-top:14px}
.scale-pin{position:absolute;top:0;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center}
.scale-pin b{background:#F4FBF8;color:var(--pet);border-radius:9px;padding:3px 11px 4px;font-size:28px;line-height:1;font-weight:800;font-stretch:125%}
.scale-pin i{width:0;height:0;border-left:7px solid transparent;border-right:7px solid transparent;border-top:8px solid #F4FBF8}
.scale-pin s{width:2px;height:10px;background:#F4FBF8}
.scale-bar{display:flex;height:14px;border-radius:7px;overflow:hidden;gap:2px}
.scale-bar span:nth-child(1){width:39%;background:var(--z-red)}
.scale-bar span:nth-child(2){width:30%;background:var(--z-amber)}
.scale-bar span:nth-child(3){width:15%;background:var(--z-lime)}
.scale-bar span:nth-child(4){width:16%;background:var(--z-mint)}
.scale-legend{display:flex;gap:2px;margin-top:8px;font-size:12.5px;color:var(--on-dark-3);line-height:1.3}
.scale-legend span:nth-child(1){width:39%}.scale-legend span:nth-child(2){width:30%}.scale-legend span:nth-child(3){width:15%}.scale-legend span:nth-child(4){width:16%;text-align:right}
.scale-legend b{display:block;color:var(--on-dark);font-weight:600}
.scale-legend em{font-style:normal}
.levers{list-style:none;margin:14px 0 0;padding:12px 0 0;border-top:1px solid var(--pet3);display:grid;gap:7px;font-size:15px}
.levers li{display:flex;gap:10px;align-items:baseline}
.levers .pts{flex:none;min-width:2.6em;color:var(--amber);font-weight:800;font-variant-numeric:tabular-nums}

/* Abschnitte */
section{padding:96px 0}
.sec-head{max-width:760px;margin:0 0 48px}
.sec-head h2{font-size:clamp(30px,3.4vw,46px)}
.sec-head p{margin-top:16px;font-size:18px;line-height:1.6;color:var(--mute)}
.bg-frost{background:var(--frost)}
.bg-white{background:var(--white)}
.bg-dark{background:var(--pet);color:var(--on-dark)}
.bg-dark .sec-head p{color:var(--on-dark-2)}

/* Was wir finden (Rotstift-Labels) */
.findings{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px}
.finding .tag{font-family:var(--hand);font-weight:600;font-size:34px;line-height:1;color:var(--red)}
.finding h3{margin:14px 0 8px;font-size:21px}
.finding p{font-size:17px;line-height:1.6;color:var(--mute)}

/* Ablauf */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:36px;counter-reset:st}
.steps li{border-top:3px solid var(--ink);padding-top:20px;counter-increment:st}
.steps li::before{content:counter(st);display:block;font-size:60px;line-height:1;font-weight:800;font-stretch:125%;color:var(--mint-d)}
.steps h3{margin:16px 0 8px;font-size:21px}
.steps p{font-size:16.5px;line-height:1.6;color:var(--mute)}
.note-band{display:flex;gap:16px;align-items:flex-start;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:20px 24px;margin-top:48px;max-width:900px}
.note-band svg{flex:none;margin-top:3px}
.note-band p{font-size:16.5px;color:var(--ink)}

/* Schutz-Score-Erklärung */
.score-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:start}
.score-grid h2{font-size:clamp(30px,3.4vw,46px);color:#F4FBF8}
.score-grid .lead{margin-top:18px;font-size:18px;line-height:1.6;color:var(--on-dark-2);max-width:32em}
.score-grid .btn{margin-top:30px}
.score-grid .scale-card{margin:36px 0 0;width:100%;max-width:520px}
.weights{margin:0;display:grid;gap:20px}
.weights div{margin:0}
.w-top{display:flex;justify-content:space-between;gap:12px;font-size:17px}
.w-top dt{font-weight:600}
.w-top dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums}
.w-desc{margin:4px 0 0;font-size:15px;color:var(--on-dark-3)}
.w-bar{margin-top:9px;height:10px;border-radius:5px;background:var(--pet3)}
.w-bar span{display:block;height:100%;border-radius:5px;background:var(--mint)}

/* Sparten */
.tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.tile{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px;display:flex;flex-direction:column}
.tile h3{font-size:22px;margin-bottom:10px}
.tile p{font-size:16px;color:var(--mute);margin-bottom:14px}
.tile ul{list-style:none;margin:0 0 20px;padding:0;display:grid;gap:7px;flex:1}
.tile li{position:relative;padding-left:24px;font-size:15.5px}
.tile li::before{content:"";position:absolute;left:0;top:.42em;width:12px;height:12px;border-radius:50%;border:2px solid var(--mint-d)}
.tile .btn{align-self:flex-start}
.tile-cta{background:var(--pet);border-color:var(--pet);color:var(--on-dark)}
.tile-cta p{color:var(--on-dark-2);flex:1}

/* Vorteile */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px}
.panel{border-radius:18px;padding:32px}
.panel.light{background:var(--white);border:1px solid var(--line)}
.panel.dark{background:var(--pet);color:var(--on-dark)}
.panel h3{font-size:23px;margin-bottom:20px}
.feat{display:flex;gap:14px;margin-bottom:18px;align-items:flex-start}
.feat:last-child{margin-bottom:0}
.feat svg{flex:none;margin-top:3px}
.feat b{display:block;font-size:17px;margin-bottom:2px}
.feat span{font-size:16px;color:var(--mute)}
.panel.dark .feat span{color:var(--on-dark-2)}

/* Über uns */
.about{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:64px;align-items:start}
.about h2{font-size:clamp(30px,3.4vw,46px);margin-bottom:22px}
.about p{font-size:18px;line-height:1.65;color:var(--mute);margin-bottom:14px;max-width:36em}
.facts{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:0;border-top:3px solid var(--ink)}
.facts div{padding:18px 16px 18px 0;border-bottom:1px solid var(--line)}
.facts dt{font-size:20px;font-weight:800;font-stretch:115%;word-break:break-word}
.facts dd{margin:4px 0 0;font-size:15px;color:var(--mute)}

/* FAQ */
.faq{max-width:860px;border-top:2px solid var(--ink)}
.qa{border-bottom:1px solid var(--line)}
.qa button{width:100%;text-align:left;background:none;border:0;padding:22px 0;font:700 19px/1.3 var(--sans);color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px}
.qa button:hover{color:var(--mint-d)}
.qa .pm{flex:none;width:28px;height:28px;border-radius:50%;border:2px solid currentColor;display:flex;align-items:center;justify-content:center;font-size:18px;line-height:1;transition:transform .2s}
.qa.open .pm{transform:rotate(45deg)}
.qa .ans{display:none}
.qa.open .ans{display:block}
.qa .ans p{padding:0 48px 24px 0;font-size:17px;line-height:1.65;color:var(--mute)}
.qa .ans a{font-weight:600}

/* Schluss-CTA */
.final{background:var(--pet);color:var(--on-dark);padding:96px 0}
.final-inner{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:32px}
.final h2{font-size:clamp(34px,4.4vw,60px);font-stretch:125%;line-height:1;color:#F4FBF8;max-width:14em}
.final p{margin-top:16px;font-size:19px;color:var(--on-dark-2)}

/* Footer */
.site-footer{background:var(--pet);color:var(--on-dark-2);border-top:1px solid var(--pet3);padding:56px 0 30px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
.site-footer h4{font-size:16px;font-weight:700;color:#F4FBF8;margin:0 0 14px;letter-spacing:0}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:9px}
.site-footer a{color:var(--on-dark-2);text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer .claim{margin-top:14px;max-width:32ch;color:var(--on-dark-3)}
.foot-bottom{border-top:1px solid var(--pet3);padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:var(--on-dark-3);font-size:14px}

/* Rechtstexte */
.legal{padding:64px 0 48px;background:var(--paper)}
.legal .container{max-width:860px}
.legal h1{font-size:clamp(32px,4vw,48px);margin-bottom:10px}
.legal .updated{color:var(--mute);font-size:15px;margin-bottom:36px}
.legal h2{font-size:24px;font-stretch:112%;margin:40px 0 12px}
.legal h3{font-size:18px;margin:24px 0 8px}
.legal p,.legal li{font-size:16.5px;line-height:1.7;margin-bottom:10px}
.legal ul{padding-left:20px}
.legal .todo{background:#FFF6D6;border:1px solid #EBCB6B;color:#6B4E05;border-radius:6px;padding:1px 7px;font-size:15px;font-weight:600}
.legal .box{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:20px 24px;margin:18px 0}
.backlink{display:inline-block;margin-top:32px;font-weight:700}

/* Alte Einblend-Animation bewusst deaktiviert: Inhalte sind immer sichtbar */
.reveal{opacity:1;transform:none}

/* Responsive */
@media (max-width:1100px){
  .steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tiles{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:960px){
  .hero{padding:40px 0 88px}
  .hero-grid,.score-grid,.about,.split{grid-template-columns:minmax(0,1fr);gap:48px}
  .findings{grid-template-columns:minmax(0,1fr);gap:32px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
  .nav-toggle{display:block}
  .nav.open .nav-links{display:flex;position:absolute;top:76px;left:-32px;right:-32px;margin:0;background:var(--pet);flex-direction:column;align-items:flex-start;
    padding:18px 32px 24px;gap:18px;border-bottom:1px solid var(--pet3)}
  .nav.open .nav-links a{font-size:17px}
}
@media (max-width:640px){
  body{font-size:16px}
  .container{padding:0 16px}
  section,.final{padding:64px 0}
  .nav{height:68px}
  .nav.open .nav-links{top:68px;left:-16px;right:-16px;padding:16px 16px 22px}
  .brand-name{font-size:16px}
  .brand img,.brand svg{width:34px;height:34px}
  .nav-cta{display:none}
  .hero .lead{font-size:18px}
  .hero-cta .btn{width:100%}
  .policy{padding:22px 18px 18px;font-size:14px;transform:rotate(-1deg)}
  .note{font-size:21px}
  .scale-card{width:calc(100% - 16px);padding:18px 16px 16px}
  .scale-legend{font-size:11.5px}
  .scale-legend em{display:none}
  .scale-legend b{font-size:11px}
  .policy-head{flex-wrap:wrap;row-gap:2px}
  .steps,.tiles{grid-template-columns:minmax(0,1fr)}
  .facts{grid-template-columns:minmax(0,1fr)}
  .foot-grid{grid-template-columns:minmax(0,1fr)}
  .qa .ans p{padding-right:0}
  p,li{hyphens:auto;-webkit-hyphens:auto}
  main{overflow-x:clip}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}