/* ═══ Kredithaus24 Design System v2 — abgestimmt auf Logo-Blau #0188CC ═══ */
:root{
  --blue:#0188CC; --blue-dark:#016AA3; --blue-deep:#024F79; --blue-ink:#0B3D5C;
  --blue-pale:#EAF6FC; --blue-light:#C9E8F7; --blue-mid:#5FB8E3;
  --ink:#16212B; --ink-2:#2C3A47; --muted:#5C6B78; --soft:#8A97A3;
  --bg:#FFFFFF; --bg-2:#F5F9FB; --bg-3:#EDF3F7;
  --line:#E3EAF0; --line-2:#D2DDE6;
  --ok:#1E9E6A; --ok-pale:#E3F5EE; --warn:#E8A33D; --warn-pale:#FCF3E2;
  --r:10px; --r-lg:16px; --r-xl:24px;
  --sh-sm:0 1px 2px rgba(11,61,92,.06),0 1px 4px rgba(11,61,92,.05);
  --sh-md:0 6px 24px -6px rgba(11,61,92,.12),0 2px 8px -2px rgba(11,61,92,.06);
  --sh-lg:0 24px 60px -18px rgba(11,61,92,.22),0 8px 24px -10px rgba(11,61,92,.10);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Outfit',system-ui,-apple-system,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;vertical-align:middle}
.wrap{max-width:1160px;margin:0 auto;padding:0 28px}
.wrap-narrow{max-width:880px;margin:0 auto;padding:0 28px}

/* Typo */
h1{font-size:clamp(34px,4.6vw,52px);font-weight:700;letter-spacing:-.025em;line-height:1.1}
h2{font-size:clamp(26px,3.4vw,36px);font-weight:700;letter-spacing:-.02em;line-height:1.18}
h3{font-size:19px;font-weight:600;letter-spacing:-.01em}
.kicker{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--blue-dark);margin-bottom:14px}
.kicker::before{content:"";width:22px;height:2px;background:var(--blue);border-radius:2px}
.lead{font-size:17.5px;color:var(--muted);max-width:620px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:inherit;font-size:15px;font-weight:600;padding:13px 26px;border-radius:99px;border:none;cursor:pointer;transition:all .18s ease;white-space:nowrap}
.btn svg{width:17px;height:17px;stroke-width:2.2}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(1,136,204,.30)}
.btn-primary:hover{background:var(--blue-dark);transform:translateY(-1px);box-shadow:0 8px 22px rgba(1,136,204,.35)}
.btn-secondary{background:#fff;color:var(--blue-dark);border:1.5px solid var(--line-2)}
.btn-secondary:hover{border-color:var(--blue);background:var(--blue-pale)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:var(--ink-2)}
.btn-lg{padding:16px 32px;font-size:16px}
.btn-sm{padding:9px 18px;font-size:13.5px}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.88);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:8px;height:76px}
.nav-logo img,.nav-logo svg{height:50px;width:auto;display:block}
@media(max-width:560px){.nav-logo img,.nav-logo svg{height:40px}}
.nav-menu{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav-item{position:relative}
.nav-link{display:flex;align-items:center;gap:5px;font-size:15px;font-weight:500;color:var(--ink-2);padding:10px 14px;border-radius:9px;cursor:pointer;transition:.15s}
.nav-link:hover{color:var(--blue-dark);background:var(--blue-pale)}
.nav-link svg{width:14px;height:14px;stroke-width:2.4;opacity:.55;transition:transform .2s}
.nav-item:hover .nav-link svg{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 6px);left:0;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:all .18s ease}
.nav-item:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:flex;flex-direction:column;gap:1px;padding:10px 14px;border-radius:9px;font-size:14.5px;font-weight:500;color:var(--ink-2)}
.dropdown a:hover{background:var(--blue-pale);color:var(--blue-dark)}
.dropdown a small{font-size:12px;font-weight:400;color:var(--soft)}
.nav-cta{margin-left:10px}
.nav-burger{display:none;margin-left:auto;background:none;border:none;cursor:pointer;padding:8px}
.nav-burger svg{width:26px;height:26px;stroke-width:2}
@media(max-width:1020px){
  .nav-menu{display:none;position:fixed;inset:76px 0 auto 0;max-height:calc(100vh - 76px);overflow:auto;background:#fff;flex-direction:column;align-items:stretch;padding:14px 20px 28px;gap:2px;border-bottom:1px solid var(--line);box-shadow:var(--sh-lg)}
  .nav-menu.open{display:flex}
  .nav-burger{display:block}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;padding:0 0 6px 14px;display:none}
  .nav-item.open .dropdown{display:block}
  .nav-cta{margin:12px 0 0}
}

/* Hero */
.hero{position:relative;padding:88px 0 76px;overflow:hidden;background:linear-gradient(180deg,var(--bg-2) 0%,#fff 100%)}
.hero::before{content:"";position:absolute;top:-220px;right:-160px;width:640px;height:640px;border-radius:50%;background:radial-gradient(circle,var(--blue-light) 0%,transparent 65%);opacity:.55}
.hero-grid{position:relative;display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero .lead{margin:20px 0 32px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:40px}
.hero-page{padding:72px 0 56px;background:linear-gradient(180deg,var(--bg-2),#fff)}
.hero-page .lead{margin-top:16px}
.crumbs{display:flex;gap:8px;font-size:13px;color:var(--soft);margin-bottom:22px}
.crumbs a:hover{color:var(--blue)}
@media(max-width:920px){.hero-grid{grid-template-columns:1fr}.hero{padding:56px 0 48px}}

/* Stats */
.stats{display:flex;gap:44px;flex-wrap:wrap}
.stat b{display:block;font-size:30px;font-weight:700;letter-spacing:-.02em;color:var(--ink)}
.stat b span{color:var(--blue)}
.stat small{font-size:13.5px;color:var(--muted)}

/* Cards & sections */
section{padding:84px 0}
section.tight{padding:56px 0}
section.alt{background:var(--bg-2)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:980px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid-3,.grid-4,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;transition:all .2s ease}
.card:hover{border-color:var(--blue-light);box-shadow:var(--sh-md);transform:translateY(-3px)}
.card .icon{width:50px;height:50px;border-radius:13px;background:var(--blue-pale);display:grid;place-items:center;margin-bottom:18px}
.card .icon svg{width:24px;height:24px;stroke:var(--blue-dark);stroke-width:1.8;fill:none}
.card h3{margin-bottom:8px}
.card p{font-size:14.5px;color:var(--muted)}
.card .more{display:inline-flex;align-items:center;gap:6px;font-size:14.5px;font-weight:600;color:var(--blue-dark);margin-top:16px}
.card .more svg{width:15px;height:15px;stroke-width:2.4;transition:transform .18s}
.card:hover .more svg{transform:translateX(3px)}

/* Check list */
.checks{list-style:none;display:grid;gap:13px;margin:24px 0}
.checks li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px;color:var(--ink-2)}
.checks li::before{content:"";flex-shrink:0;width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--ok-pale) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E9E6A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 13l4 4L19 7'/%3E%3C/svg%3E") center/12px no-repeat}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:920px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 24px;position:relative}
.step::before{content:counter(s,decimal-leading-zero);font-size:13px;font-weight:700;color:var(--blue);letter-spacing:.06em;display:block;margin-bottom:12px}
.step b{display:block;font-size:16px;font-weight:600;margin-bottom:6px}
.step p{font-size:13.5px;color:var(--muted)}

/* Rechner */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-md);overflow:hidden}
.calc-head{padding:22px 30px;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:12px}
.calc-head .icon{width:40px;height:40px;border-radius:11px;background:var(--blue);display:grid;place-items:center}
.calc-head .icon svg{width:20px;height:20px;stroke:#fff;stroke-width:2;fill:none}
.calc-body{display:grid;grid-template-columns:1.1fr .9fr}
@media(max-width:860px){.calc-body{grid-template-columns:1fr}}
.calc-inputs{padding:30px;display:grid;gap:20px}
.field label{display:flex;justify-content:space-between;font-size:13.5px;font-weight:600;color:var(--ink-2);margin-bottom:8px}
.field label output{color:var(--blue-dark);font-variant-numeric:tabular-nums;margin-left:12px}
.field input[type=range]{width:100%;accent-color:var(--blue);height:5px;cursor:pointer}
.field input[type=number],.field input[type=text],.field input[type=email],.field input[type=tel],.field select,.field textarea{width:100%;padding:12px 14px;font-family:inherit;font-size:15px;border:1.5px solid var(--line-2);border-radius:var(--r);outline:none;transition:.15s;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-pale)}
.calc-result{background:var(--blue-ink);color:#fff;padding:30px;display:flex;flex-direction:column;gap:18px}
.calc-result .big{font-size:40px;font-weight:700;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.calc-result .big small{font-size:15px;font-weight:400;opacity:.7}
.cr-row{display:flex;justify-content:space-between;font-size:14px;padding-top:14px;border-top:1px solid rgba(255,255,255,.16)}
.cr-row b{font-variant-numeric:tabular-nums}
.calc-result .note{font-size:11.5px;opacity:.55;margin-top:auto}

/* Tables */
.table{width:100%;border-collapse:collapse;font-size:14.5px}
.table th{text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--soft);font-weight:600;padding:10px 14px;border-bottom:2px solid var(--line)}
.table td{padding:13px 14px;border-bottom:1px solid var(--line)}
.table tr:hover td{background:var(--bg-2)}

/* Listings */
.listing{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;transition:.2s}
.listing:hover{box-shadow:var(--sh-lg);transform:translateY(-4px)}
.listing-img{height:190px;position:relative;background:linear-gradient(135deg,var(--blue-pale),var(--blue-light));display:grid;place-items:center}
.listing-img svg{width:56px;height:56px;stroke:var(--blue-deep);stroke-width:1.3;fill:none;opacity:.8}
.badge{display:inline-block;font-size:11.5px;font-weight:600;padding:5px 12px;border-radius:99px}
.badge-blue{background:var(--blue);color:#fff}
.badge-ok{background:var(--ok);color:#fff}
.badge-soft{background:var(--blue-pale);color:var(--blue-deep)}
.listing-img .badge{position:absolute;top:14px;left:14px}
.listing-body{padding:20px 22px}
.listing-facts{display:flex;gap:16px;font-size:13px;color:var(--muted);padding:12px 0;border-top:1px dashed var(--line);margin-top:12px}
.price{font-size:21px;font-weight:700;color:var(--blue-deep)}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);margin-bottom:12px;overflow:hidden}
.faq summary{padding:19px 24px;font-weight:600;font-size:15.5px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:20px;height:20px;flex-shrink:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230188CC' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center/contain no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 24px 20px;font-size:14.5px;color:var(--muted);line-height:1.7}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--blue-deep),var(--blue-dark) 55%,var(--blue));border-radius:var(--r-xl);padding:56px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:8px}
.cta-band p{color:rgba(255,255,255,.82);font-size:15.5px;max-width:520px}
.cta-band .btn-primary{background:#fff;color:var(--blue-deep);box-shadow:none}
.cta-band .btn-primary:hover{background:var(--blue-pale)}

/* Trust band */
.trustband{display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap;padding:26px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:13.5px;color:var(--soft);font-weight:500}
.trustband span{display:flex;align-items:center;gap:9px}
.trustband svg{width:18px;height:18px;stroke:var(--blue);stroke-width:2;fill:none}

/* Quotes */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px}
.quote .stars{color:var(--warn);letter-spacing:3px;font-size:15px;margin-bottom:12px}
.quote p{font-size:14.5px;color:var(--ink-2);line-height:1.7;margin-bottom:16px}
.quote footer{display:flex;align-items:center;gap:12px}
.quote .avatar{width:40px;height:40px;border-radius:50%;background:var(--blue-pale);color:var(--blue-deep);display:grid;place-items:center;font-weight:700;font-size:14px}
.quote b{font-size:14px;display:block}
.quote small{font-size:12.5px;color:var(--soft)}

/* Footer */
.site-footer{background:#0E1B26;color:#9FB0BE;margin-top:90px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding:64px 0 44px}
@media(max-width:920px){.footer-grid{grid-template-columns:1fr 1fr}}
.footer-grid h4{color:#fff;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.09em;margin-bottom:18px}
.footer-grid a{display:block;font-size:14px;padding:5px 0;color:#9FB0BE;transition:.15s}
.footer-grid a:hover{color:#fff}
.footer-brand p{font-size:13.5px;margin:16px 0;max-width:280px;color:#7E92A2}
.footer-brand .logo-box{display:inline-block;background:#fff;border-radius:10px;padding:8px 14px}
.footer-brand .logo-box img,.footer-brand .logo-box svg{height:30px;display:block}
.footer-bottom{border-top:1px solid rgba(255,255,255,.10);padding:22px 0;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;font-size:13px;color:#6B7E8E}
.footer-bottom a:hover{color:#fff}

/* Util */
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}
.mt-1{margin-top:14px}.mt-2{margin-top:28px}.mt-3{margin-top:44px}
.mb-2{margin-bottom:28px}
.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.anim{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.anim.in{opacity:1;transform:none}