/* ==========================================================================
   ServiceHypo AI - Zentrales Master-Stylesheet 2026
   ========================================================================== */

:root {
  --bank-900: #0f172a;
  --bank-800: #1e293b;
  --bank-700: #334155;
  --brand-600: #0284c7;
  --brand-700: #0369a1;
  --brand-800: #075985;
  --brand-50: #f0f7ff;
  --brand-100: #e0effe;
  --brand-300: #7dd3fc;
  --brand-400: #38bdf8;
  --brand-500: #0ea5e9;
  
  --slate-50: #f8fafc;
  --slate-100: #f1f5f9;
  --slate-200: #e2e8f0;
  --slate-300: #cbd5e1;
  --slate-400: #94a3b8;
  --slate-500: #64748b;
  --slate-600: #475569;
  --slate-700: #334155;
  --slate-800: #1e293b;

  --emerald-600: #059669;
  --emerald-400: #34d399;
  --emerald-50: #ecfdf5;
  
  --red-600: #dc2626;
  --red-500: #ef4444;
  --red-400: #f87171;
  --red-50: #fef2f2;
  
  --amber-600: #d97706;
  --amber-500: #f59e0b;
  
  --white: #ffffff;
  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

/* Reset & Basis - Absoluter horizontaler Überlaufschutz */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-family: var(--font-sans);
  background-color: var(--slate-50);
  color: var(--slate-800);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  max-width: 100vw;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  max-width: 100vw;
  width: 100%;
}

/* Flex-Kindelemente von body müssen herunterskalieren dürfen (min-width: 0) */
body > * {
  min-width: 0;
  max-width: 100%;
}

/* Automatische Silbentrennung & Umbruch bei langen deutschen Begriffen */
h1, h2, h3, h4, h5, h6,
p, span, a, button, label,
.hero h1,
.tool-title,
.guide-title,
.result-title,
.col-title,
.section-headline-group h2,
.tab-btn {
  overflow-wrap: break-word;
  word-wrap: break-word;
  word-break: break-word;
}

h1, h2, h3, .hero h1 {
  hyphens: auto;
  -webkit-hyphens: auto;
  -ms-hyphens: auto;
}

.container {
  max-width: 1280px;
  width: 100%;
  margin: 0 auto;
  padding: 0 1rem;
  min-width: 0;
}

@media (min-width: 640px) { .container { padding: 0 1.5rem; } }
@media (min-width: 1024px) { .container { padding: 0 2rem; } }

/* Header & Navigation */
.site-header {
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--slate-200);
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}

.logo-badge {
  width: 40px;
  height: 40px;
  background-color: var(--bank-900);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 1.25rem;
  position: relative;
  flex-shrink: 0;
}

.logo-badge span {
  position: absolute;
  bottom: -4px;
  right: -4px;
  background-color: var(--brand-600);
  color: var(--white);
  font-size: 9px;
  font-weight: 800;
  padding: 1px 3px;
  border-radius: 3px;
}

.logo-text span {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--bank-900);
  letter-spacing: -0.025em;
}

.logo-text span.highlight { color: var(--brand-600); }

.logo-sub {
  display: block;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--slate-400);
  font-weight: 300;
  margin-top: -2px;
}

/* Basis-Typografie für den Logotext */
.logo-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--bank-900);
  letter-spacing: -0.025em;
  line-height: 1.15;
}

.logo-title .highlight {
  color: var(--brand-600);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  list-style: none;
}

.nav-item { position: relative; }

.nav-link {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--bank-900);
  text-decoration: none;
  padding: 0.5rem 0;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: color 0.15s ease;
}

.nav-link:hover { color: var(--brand-600); }
.chevron { font-size: 0.75rem; transition: transform 0.2s ease; }

.nav-pill {
  font-size: 0.75rem;
  background-color: var(--slate-100);
  color: var(--slate-700);
  padding: 0.25rem 0.5rem;
  border-radius: 9999px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--bank-900);
  color: var(--white);
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.625rem 1.25rem;
  border-radius: 0.5rem;
  border: none;
  cursor: pointer;
  text-decoration: none;
  box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  transition: background-color 0.15s ease;
  display: inline-block;
  white-space: nowrap;
}

.btn-primary:hover { background-color: var(--bank-800); }

.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: -1rem;
  width: 270px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.08);
  list-style: none;
  padding: 0.5rem 0;
  z-index: 1100;
}

.dropdown-menu li a {
  display: block;
  padding: 0.55rem 1.25rem;
  font-size: 0.875rem;
  color: var(--slate-700);
  text-decoration: none;
  font-weight: 500;
  transition: background-color 0.15s, color 0.15s;
}

.dropdown-menu li a:hover {
  background-color: var(--slate-50);
  color: var(--brand-600);
}

.dropdown-hub-link {
  border-top: 1px solid var(--slate-100);
  margin-top: 0.25rem;
}

.dropdown-hub-link a {
  color: var(--brand-700) !important;
  font-weight: 700 !important;
}

.menu-toggle { display: none; }

@media (min-width: 861px) {
  .has-dropdown:hover .dropdown-menu { display: block; }
  .has-dropdown:hover .chevron { transform: rotate(180deg); }
}

@media (max-width: 860px) {
  .header-inner {
    height: 60px; /* Reduzierte Leistenhöhe statt 72px */
  }

  .logo-wrap {
    gap: 0.55rem;
  }

  /* Badge kompakter skalieren */
  .logo-badge {
    width: 34px;
    height: 34px;
    font-size: 1rem;
    border-radius: 6px;
  }

  .logo-badge span {
    font-size: 8px;
    padding: 1px 2.5px;
    bottom: -3px;
    right: -3px;
  }

  /* Schriftgröße anpassen */
  .logo-title {
    font-size: 1.05rem;
  }

  /* Kleingedruckten Sub-Slogan mobil ausblenden, um Überfrachtung zu verhindern */
  .logo-sub {
    display: none;
  }

  .menu-toggle {
    display: flex;
    flex-direction: column;
    justify-content: space-around;
    width: 28px;
    height: 22px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0;
  }
  .menu-toggle span {
    width: 100%;
    height: 2.5px;
    background: var(--bank-900);
    border-radius: 2px;
  }
  .main-nav {
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--slate-200);
    flex-direction: column;
    align-items: flex-start;
    padding: 1.5rem;
    gap: 1.25rem;
    display: none;
    box-shadow: 0 10px 20px rgba(0, 0, 0, 0.05);
  }
  .main-nav.active { display: flex; }
  .nav-list {
    flex-direction: column;
    align-items: flex-start;
    width: 100%;
    gap: 0.75rem;
  }
  .has-dropdown { width: 100%; }
  .dropdown-menu {
    position: static;
    box-shadow: none;
    border: none;
    padding-left: 0.75rem;
    display: block;
    width: 100%;
  }
  .dropdown-menu li a { padding: 0.4rem 0; }
  .nav-cta-wrap {
    width: 100%;
    padding-top: 0.5rem;
    border-top: 1px solid var(--slate-100);
  }
  .nav-cta-wrap .btn-primary {
    display: block;
    text-align: center;
    width: 100%;
  }
}

/* Breadcrumbs */
.breadcrumb-nav {
  font-size: 0.8rem;
  margin-bottom: 1.5rem;
}
.breadcrumb-nav a {
  color: var(--slate-600);
  text-decoration: none;
}
.breadcrumb-nav a:hover { color: var(--brand-600); }
.breadcrumb-sep { margin: 0 0.4rem; color: var(--slate-400); }
.breadcrumb-current { color: var(--bank-900); font-weight: 600; }

/* Hero */
.hero {
  padding: 3.5rem 0 4.5rem 0;
  background: linear-gradient(to bottom, var(--slate-100), var(--slate-50));
  border-bottom: 1px solid var(--slate-200);
  text-align: center;
  width: 100%;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
  background-color: var(--brand-50);
  border: 1px solid var(--brand-100);
  color: var(--brand-700);
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  max-width: 100%;
}

.pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--brand-600);
  animation: pulse 2s infinite;
  flex-shrink: 0;
}

@keyframes pulse {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(2, 132, 199, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 6px rgba(2, 132, 199, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(2, 132, 199, 0); }
}

.hero h1 {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--bank-900);
  letter-spacing: -0.025em;
  max-width: 56rem;
  margin: 0 auto;
  line-height: 1.2;
}

@media (min-width: 640px) { .hero h1 { font-size: 2.75rem; } }
@media (min-width: 1024px) { .hero h1 { font-size: 3.25rem; } }

.hero h1 span { color: var(--brand-600); }

.hero p {
  margin-top: 1.25rem;
  font-size: 1.05rem;
  color: var(--slate-600);
  max-width: 44rem;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.6;
}

.hero-checks {
  margin-top: 2rem;
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  font-size: 0.8rem;
  color: var(--slate-600);
  font-weight: 500;
}

.hero-checks span {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.hero-checks svg {
  width: 1.1rem;
  height: 1.1rem;
  color: var(--emerald-600);
  flex-shrink: 0;
}

/* Rechner Container, Cards & Tabs */
.calculator-section {
  max-width: 72rem;
  width: 100%;
  margin: -3rem auto 4rem auto;
  padding: 0 1rem;
  position: relative;
  z-index: 10;
  min-width: 0;
}

.calculator-card,
.calc-container {
  background-color: var(--white);
  border-radius: 1rem;
  box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.08), 0 10px 10px -5px rgba(0, 0, 0, 0.03);
  border: 1px solid var(--slate-200);
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  min-width: 0;
}

.calc-container {
  padding: 2.5rem;
  margin-bottom: 3rem;
}

.tab-nav {
  display: flex;
  background-color: var(--slate-100);
  border-bottom: 1px solid var(--slate-200);
  width: 100%;
  max-width: 100%;
  min-width: 0;
}

.tab-btn {
  flex: 1;
  min-width: 0;
  padding: 1rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 600;
  font-family: inherit;
  color: var(--slate-600);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  transition: all 0.15s ease;
  line-height: 1.35;
}

.tab-btn:hover {
  color: var(--brand-700);
  background-color: rgba(255, 255, 255, 0.5);
}

.tab-btn.active {
  color: var(--brand-700);
  border-bottom-color: var(--brand-600);
  background-color: var(--white);
  font-weight: 700;
}

@media (max-width: 640px) {
  .tab-nav { flex-direction: column; }
  .tab-btn {
    padding: 0.85rem 1rem;
    text-align: left;
    justify-content: flex-start;
    border-bottom: 1px solid var(--slate-200);
    border-left: 3px solid transparent;
  }
  .tab-btn.active {
    border-bottom-color: var(--slate-200);
    border-left-color: var(--brand-600);
  }
  /* Failsafe für hartcodierte 2-Spalten-Inline-Grids */
  div[style*="grid-template-columns: 1fr 1fr"],
  div[style*="grid-template-columns:1fr 1fr"],
  div[style*="grid-template-columns: repeat(2"] {
    grid-template-columns: 1fr !important;
    gap: 1rem !important;
  }

  /* Listen in Kacheln einrücken ohne Viewport-Überhang */
  .grid-2 ul,
  .pillar-card ul,
  div[style*="grid-template-columns"] ul {
    padding-left: 1.15rem !important;
    margin-left: 0 !important;
  }
}

.tab-content { padding: 2rem; width: 100%; min-width: 0; }
@media (min-width: 640px) { .tab-content { padding: 2.5rem; } }

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  width: 100%;
  min-width: 0;
}

@media (min-width: 960px) {
  .calc-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 3rem;
  }
}

.calc-inputs {
  min-width: 0;
  width: 100%;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.25rem;
  width: 100%;
}

@media (max-width: 640px) {
  .grid-2 { grid-template-columns: 1fr; gap: 1rem; }
}

.sub-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  width: 100%;
}

@media (max-width: 600px) {
  .sub-grid-2 {
    grid-template-columns: 1fr;
    gap: 0.5rem;
  }
}

.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  width: 100%;
}

@media (min-width: 768px) {
  .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

/* Formulare, Inputs & Suffixe */
.input-section-title {
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--brand-700);
  margin: 1.5rem 0 1rem 0;
  padding-bottom: 0.35rem;
  border-bottom: 2px solid var(--brand-100);
}

.input-section-title:first-child { margin-top: 0; }

.form-group,
.text-input-wrap,
.input-group {
  margin-bottom: 1.25rem;
  width: 100%;
  min-width: 0;
}

.form-group label,
.text-input-wrap label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--bank-900);
  margin-bottom: 0.45rem;
  gap: 0.5rem;
}

.input-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.45rem;
  flex-wrap: wrap;
  gap: 0.25rem;
}

.input-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--bank-900);
}

.input-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--brand-700);
  white-space: nowrap;
}

/* Browser Spin Buttons entfernen */
input[type="number"]::-webkit-outer-spin-button,
input[type="number"]::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
input[type="number"] {
  -moz-appearance: textfield;
}

.input-wrapper {
  position: relative;
  width: 100%;
  max-width: 100%;
  margin-bottom: 0.5rem;
}

.input-wrapper input[type="number"],
.input-wrapper input[type="text"],
.input-wrapper select,
.text-input {
  width: 100%;
  max-width: 100%;
  height: 44px;
  padding: 0 4.25rem 0 1rem;
  font-size: 1.05rem;
  font-weight: 600;
  font-family: inherit;
  color: var(--slate-800);
  background-color: var(--white);
  border: 1px solid var(--slate-300);
  border-radius: 0.5rem;
  transition: border-color 0.2s, box-shadow 0.2s;
  box-sizing: border-box;
}

.input-wrapper select,
select.text-input {
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  background: #fff url('data:image/svg+xml;utf8,<svg fill="none" stroke="%23475569" stroke-width="2" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path stroke-linecap="round" stroke-linejoin="round" d="M19 9l-7 7-7-7"></path></svg>') no-repeat right 0.85rem center;
  background-size: 1.15rem;
  padding-right: 2.25rem;
}

.input-wrapper input:focus,
.input-wrapper select:focus,
.text-input:focus {
  outline: none;
  border-color: var(--brand-500);
  box-shadow: 0 0 0 3px var(--brand-100);
}

.input-suffix {
  position: absolute;
  right: 0.85rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--slate-500);
  font-weight: 600;
  font-size: 0.85rem;
  pointer-events: none;
  white-space: nowrap;
}

/* Range-Slider */
input[type=range] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 24px;
  background: transparent;
  margin: 0.25rem 0 0 0;
  cursor: pointer;
  display: block;
}

input[type=range]:focus { outline: none; }

input[type=range]::-webkit-slider-runnable-track {
  width: 100%;
  height: 6px;
  background: var(--slate-200);
  border-radius: 3px;
  cursor: pointer;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  height: 20px;
  width: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--brand-600);
  cursor: pointer;
  margin-top: -7px;
  box-shadow: 0 2px 4px rgba(0,0,0,0.15);
  transition: transform 0.1s ease;
}

input[type=range]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

input[type=range]::-moz-range-track {
  width: 100%;
  height: 6px;
  background: var(--slate-200);
  border-radius: 3px;
}

input[type=range]::-moz-range-thumb {
  height: 18px;
  width: 18px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--brand-600);
  cursor: pointer;
  box-shadow: 0 2px 4px rgba(0,0,0,0.15);
}

.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--slate-400);
  margin-top: 0.25rem;
  font-weight: 500;
}

.hint-box {
  padding: 0.85rem 1.15rem;
  background-color: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--brand-600);
  border-radius: 0 0.5rem 0.5rem 0;
  font-size: 0.85rem;
  color: var(--slate-600);
  line-height: 1.5;
  width: 100%;
  box-sizing: border-box;
}

/* Result Boxen & Dashboards */
.result-box {
  background: linear-gradient(135deg, var(--bank-900) 0%, var(--bank-800) 100%);
  border-radius: 0.75rem;
  padding: 2rem;
  color: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 10px 20px -5px rgba(15, 23, 42, 0.25);
  width: 100%;
  min-width: 0;
  box-sizing: border-box;
}

.result-title {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--slate-400);
}

.result-main-value {
  margin-top: 0.4rem;
  font-size: 2.25rem;
  font-weight: 800;
  letter-spacing: -0.025em;
  color: var(--white);
  line-height: 1.1;
  word-break: normal;
}

.result-desc {
  font-size: 0.75rem;
  color: var(--slate-300);
  margin-top: 0.25rem;
}

.result-divider {
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--bank-800);
}

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  margin-bottom: 0.65rem;
  color: var(--slate-300);
  gap: 0.5rem;
}

.result-row span:first-child { 
  color: var(--slate-400); 
  flex: 1;
}

.result-row span:last-child { 
  font-weight: 700; 
  color: var(--white);
  text-align: right;
  white-space: nowrap;
}

.result-value-sm {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
}

.divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.15);
  margin: 1.25rem 0;
}

.rating-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0.4rem 0.75rem;
  border-radius: 4px;
  font-size: 0.85rem;
  font-weight: 700;
  margin-top: 0.25rem;
}

.rating-green { background: rgba(16, 185, 129, 0.2); color: #34d399; border: 1px solid rgba(16, 185, 129, 0.3); }
.rating-yellow { background: rgba(245, 158, 11, 0.2); color: #fbbf24; border: 1px solid rgba(245, 158, 11, 0.3); }
.rating-red { background: rgba(239, 68, 68, 0.2); color: #f87171; border: 1px solid rgba(239, 68, 68, 0.3); }

.visual-bar-wrap {
  display: flex;
  height: 10px;
  border-radius: 5px;
  overflow: hidden;
  margin-top: 0.85rem;
}

.bar-tilgung { background: #059669; transition: width 0.3s ease; }
.bar-zins { background: #dc2626; transition: width 0.3s ease; }

.legend-wrap {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  margin-top: 0.4rem;
  color: var(--slate-300);
  font-weight: 600;
}

.btn-cta {
  display: inline-block;
  width: 100%;
  text-align: center;
  background-color: var(--brand-600);
  color: var(--white);
  font-weight: 700;
  padding: 0.75rem 1.25rem;
  border-radius: 0.5rem;
  font-size: 0.875rem;
  text-decoration: none;
  transition: background-color 0.15s ease;
  border: none;
  cursor: pointer;
}

.btn-cta:hover { background-color: var(--brand-700); }

.tech-badge-bar {
  background-color: var(--slate-100);
  padding: 0.85rem 1.5rem;
  border-top: 1px solid var(--slate-200);
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: var(--slate-600);
  align-items: center;
  justify-content: space-between;
  text-align: center;
  width: 100%;
  box-sizing: border-box;
}

@media (min-width: 640px) { 
  .tech-badge-bar { 
    flex-direction: row; 
    text-align: left;
  } 
}

.tech-badge-bar a {
  color: var(--brand-700);
  font-weight: 600;
  text-decoration: none;
}
.tech-badge-bar a:hover { text-decoration: underline; }

/* Charts & SVG Liniendiagramme */
.chart-box {
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--bank-800);
  width: 100%;
  overflow: hidden;
}

.chart-title {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--slate-400);
  margin-bottom: 0.5rem;
}

svg.line-chart {
  width: 100%;
  max-width: 100%;
  height: auto;
  max-height: 100px;
  overflow: hidden; /* Verhindert das Herausragen von SVG-Pfaden */
  display: block;
}

/* 2-Phasen Tilgungsplan & Responsive Schedule Table */
.schedule-container {
  margin-top: 3rem;
  background: var(--white);
  border-radius: 1rem;
  border: 1px solid var(--slate-200);
  overflow: hidden;
  box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.05);
  width: 100%;
  max-width: 100%;
  min-width: 0;
  box-sizing: border-box;
}

.schedule-header {
  padding: 1.25rem 1.5rem;
  background-color: var(--slate-50);
  border-bottom: 1px solid var(--slate-200);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.75rem;
  width: 100%;
  box-sizing: border-box;
}

.schedule-header > div {
  flex: 1 1 auto;
  min-width: 0;
}

/* Horizontales Wischen für Mobilgeräte erzwingen */
.schedule-table-wrap {
  max-height: 440px;
  overflow-y: auto;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  width: 100%;
  max-width: 100%;
  min-width: 0;
  display: block;
  position: relative;
}

table.schedule-table {
  width: 100%;
  min-width: 540px; /* Mindestbreite garantiert lesbare Spalten auf Smartphones */
  border-collapse: collapse;
  text-align: left;
  font-size: 0.85rem;
}

table.schedule-table th, 
table.schedule-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--slate-200);
  white-space: nowrap; /* Hält Beträge und Jahresangaben in einer Zeile */
}

table.schedule-table th {
  background-color: var(--slate-50);
  font-weight: 700;
  color: var(--bank-900);
  position: sticky;
  top: 0;
  z-index: 10;
}

table.schedule-table tr:hover { background-color: var(--brand-50); }

.phase-badge {
  font-size: 10px;
  font-weight: 700;
  padding: 2px 6px;
  border-radius: 4px;
  text-transform: uppercase;
  display: inline-block;
  white-space: nowrap;
}

.badge-bisher { background-color: var(--slate-200); color: var(--slate-700); }
.badge-neu { background-color: var(--brand-100); color: var(--brand-800); }

/* Haushaltsrechner Belastungsbalken */
.budget-bar-wrap {
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--bank-800);
  width: 100%;
}

.budget-bar-label {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--slate-300);
  margin-bottom: 0.25rem;
}

.budget-bar-track {
  width: 100%;
  height: 8px;
  background-color: var(--bank-800);
  border-radius: 4px;
  overflow: hidden;
}

.budget-bar-fill {
  height: 100%;
  border-radius: 4px;
  background-color: var(--emerald-400);
  transition: width 0.4s ease;
}

/* Hub-Cards */
.calc-hub-grid,
.guide-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
  width: 100%;
}

.tool-card,
.guide-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.75rem;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  text-decoration: none;
  color: inherit;
  min-width: 0;
}

.tool-card:hover,
.guide-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 24px -6px rgba(0, 0, 0, 0.08);
  border-color: var(--brand-500);
}

.tool-badge,
.guide-badge {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--brand-700);
  background-color: var(--brand-50);
  padding: 0.25rem 0.5rem;
  border-radius: 0.25rem;
  align-self: flex-start;
  margin-bottom: 0.75rem;
  white-space: nowrap;
}

.tool-title,
.guide-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--bank-900);
  line-height: 1.35;
  margin-bottom: 0.5rem;
}

.tool-desc,
.guide-desc {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--slate-600);
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.tool-link,
.guide-link {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--brand-600);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.feature-box {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: 0.75rem;
  padding: 2rem;
  margin-top: 4rem;
  width: 100%;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-top: 1.5rem;
  width: 100%;
}

.feature-item strong {
  display: block;
  color: var(--bank-900);
  font-size: 1rem;
  margin-bottom: 0.35rem;
}

.feature-item p {
  font-size: 0.875rem;
  color: var(--slate-600);
  line-height: 1.55;
  margin: 0;
}

/* Systemvergleich */
.comp-container {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 1rem;
  padding: 2.5rem;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.05);
  margin-bottom: 3rem;
  width: 100%;
}

.comp-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: stretch;
  width: 100%;
}

@media (max-width: 860px) {
  .comp-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .comp-container {
    padding: 1.5rem;
  }
}

.method-notice {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-left: 4px solid var(--brand-600);
  border-radius: 0.5rem;
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
  width: 100%;
}

.col-card {
  border-radius: 0.75rem;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.col-annuitaet { background: var(--slate-50); border: 2px solid var(--slate-300); }
.col-kombi { background: #f8fafc; border: 2px solid var(--brand-500); }

.col-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--bank-900);
  margin-bottom: 0.35rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.col-subtitle {
  font-size: 0.8rem;
  color: var(--slate-500);
  margin-bottom: 1.5rem;
  display: block;
}

.dashboard-card {
  background: linear-gradient(135deg, var(--bank-900) 0%, var(--bank-800) 100%);
  color: var(--white);
  border-radius: 0.75rem;
  padding: 2rem;
  margin-top: 2rem;
  width: 100%;
}

.dashboard-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  width: 100%;
}

@media (max-width: 768px) { .dashboard-grid { grid-template-columns: 1fr; gap: 1.5rem; } }

.dash-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 0.5rem;
  padding: 1.25rem;
  min-width: 0;
}

.dash-val-main {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--white);
  margin: 0.35rem 0;
}

.dash-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  padding: 0.35rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  color: var(--slate-300);
  gap: 0.5rem;
}

.dash-row:last-child { border-bottom: none; }

.verdict-banner {
  margin-top: 1.5rem;
  padding: 1.25rem;
  border-radius: 0.5rem;
  background: rgba(255, 255, 255, 0.08);
  border-left: 4px solid var(--brand-400);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Dialog-Simulationen */
.dialog-box {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: 0.75rem;
  padding: 1.5rem;
  margin: 1.5rem 0 2rem 0;
  width: 100%;
}

.dialog-party {
  display: flex;
  gap: 1rem;
  margin-bottom: 1rem;
  align-items: flex-start;
}

.dialog-party:last-child { margin-bottom: 0; }

.dialog-avatar {
  font-size: 1.5rem;
  line-height: 1;
  padding-top: 0.25rem;
  flex-shrink: 0;
}

.dialog-bubble-bank {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--red-500);
  border-radius: 0.5rem;
  padding: 1rem;
  font-size: 0.92rem;
  color: var(--slate-700);
  flex: 1;
  min-width: 0;
}

.dialog-bubble-user {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--brand-600);
  border-radius: 0.5rem;
  padding: 1rem;
  font-size: 0.92rem;
  color: var(--slate-800);
  flex: 1;
  min-width: 0;
}

.rule-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  padding: 1.25rem;
  margin-bottom: 1rem;
  width: 100%;
}

/* Sections & Footer */
.section-white {
  padding: 4rem 0;
  background-color: var(--white);
  border-top: 1px solid var(--slate-200);
  width: 100%;
}

footer {
  background-color: var(--white);
  border-top: 1px solid var(--slate-200);
  padding: 3.5rem 0 4rem 0;
  font-size: 0.75rem;
  color: var(--slate-500);
  margin-top: auto;
  width: 100%;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 3rem;
  width: 100%;
}

@media (min-width: 768px) { .footer-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); } }

.footer-col h4 {
  font-weight: 700;
  color: var(--bank-900);
  margin-bottom: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 11px;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-col ul a {
  color: inherit;
  text-decoration: none;
  transition: color 0.15s ease;
}

.footer-col ul a:hover { color: var(--brand-600); }

.legal-disclaimer {
  padding-top: 2rem;
  border-top: 1px solid var(--slate-200);
  font-size: 11px;
  line-height: 1.6;
  color: var(--slate-400);
  width: 100%;
}

/* ==========================================================================
   Ergänzungen Ratgeber, Pillar-Module & globale UI-Komponenten
   ========================================================================== */

/* Thematische Gruppierungen auf Hub-Seiten */
.section-headline-group {
  margin-top: 3.5rem;
  margin-bottom: 1.25rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--slate-200);
  width: 100%;
}
.section-headline-group:first-of-type {
  margin-top: 1rem;
}
.section-headline-group h2 {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--bank-900);
  margin: 0;
}
.section-headline-group p {
  font-size: 0.9rem;
  color: var(--slate-600);
  margin-top: 0.25rem;
}

/* Pfeiler- & Kriterien-Karten */
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.25rem;
  margin-top: 1.25rem;
  width: 100%;
}
.pillar-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  padding: 1.25rem;
  min-width: 0;
}
.pillar-card strong {
  color: var(--brand-700);
  font-size: 0.95rem;
  display: block;
  margin-bottom: 0.35rem;
}
.pillar-card p {
  font-size: 0.85rem;
  color: var(--slate-600);
  margin: 0;
  line-height: 1.55;
}

/* Universeller Info- & Zitat-Callout */
.intro-callout {
  background-color: var(--slate-50);
  border-left: 4px solid var(--brand-600);
  padding: 1.25rem 1.5rem;
  border-radius: 0 0.5rem 0.5rem 0;
  margin-bottom: 2.5rem;
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--slate-700);
  width: 100%;
}
.intro-callout strong {
  color: var(--bank-900);
  font-size: 1.05rem;
  display: block;
  margin-bottom: 0.25rem;
}

/* Dunkle Call-to-Action-Banner */
.cta-banner {
  background: linear-gradient(135deg, var(--bank-900) 0%, var(--bank-800) 100%);
  color: var(--white);
  padding: 2.25rem;
  border-radius: 0.75rem;
  margin: 3.5rem 0;
  text-align: center;
  width: 100%;
}
.cta-banner h3 {
  color: var(--white);
  font-size: 1.35rem;
  font-weight: 800;
  margin-bottom: 0.5rem;
}
.cta-banner p {
  color: var(--slate-300);
  max-width: 36rem;
  margin: 0 auto 1.5rem auto;
  font-size: 0.95rem;
  line-height: 1.6;
}
.cta-banner .btn-group {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  flex-wrap: wrap;
}

/* FAQ-Container & Boxen */
.faq-stack {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1.25rem;
  width: 100%;
}
.faq-card {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  padding: 1.25rem;
  width: 100%;
}
.faq-card strong {
  color: var(--bank-900);
  display: block;
  margin-bottom: 0.25rem;
  font-size: 0.95rem;
}
.faq-card p {
  font-size: 0.875rem;
  line-height: 1.6;
  color: var(--slate-600);
  margin: 0;
}

/* Responsive Datentabellen im Content */
.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  margin: 1.5rem 0;
  width: 100%;
  max-width: 100%;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
  text-align: left;
}

.data-table th,
.data-table td {
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--slate-100);
}

.data-table th {
  background-color: var(--slate-50);
  border-bottom: 1px solid var(--slate-200);
  font-weight: 700;
  color: var(--bank-900);
  white-space: nowrap;
}

.data-table tr:last-child td {
  border-bottom: none;
}

/* ==========================================================================
   Spezifische Mobile-Skalierung (Smartphones unter 640px)
   ========================================================================== */
@media (max-width: 640px) {
  /* H1-Schriftgrößen: 20-Zeichen-Wörter wie 'Anschlussfinanzierung' passen exakt */
  .hero {
    padding: 2.25rem 0 3.25rem 0;
  }
  .hero h1 {
    font-size: 1.65rem !important;
    line-height: 1.25;
  }
  .hero p {
    font-size: 0.95rem;
  }

  /* Rechner-Container */
  .calculator-section {
    margin-top: -2rem;
    padding: 0 0.5rem;
  }
  .calc-container {
    padding: 1.25rem;
    margin-bottom: 2rem;
    border-radius: 0.75rem;
  }
  .tab-content {
    padding: 1.25rem 0.75rem;
  }

  /* Ergebnisbox & Kennzahlen */
  .result-box {
    padding: 1.25rem;
  }
  .result-main-value {
    font-size: 1.75rem;
  }

  /* Tilgungsplan-Header mobil */
  .schedule-header {
    flex-direction: column;
    align-items: flex-start;
    padding: 1rem;
    gap: 0.5rem;
  }
  .schedule-header h3 {
    font-size: 1rem !important;
    line-height: 1.3;
  }

  /* Tabellenzellen kompakter */
  table.schedule-table th, 
  table.schedule-table td {
    padding: 0.6rem 0.75rem;
    font-size: 0.8rem;
  }

  /* Ratgeber-Tabellen */
  .table-wrap {
    margin: 1rem 0;
  }
  .data-table {
    min-width: 480px;
  }
}
/* ==========================================================================
   Schwebender Sprunganker zum Header (Rechts unten)
   ========================================================================== */

.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 900;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background-color: var(--bank-900);
  color: var(--white);
  border: 1px solid var(--slate-700);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.25);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity 0.25s ease, transform 0.25s ease, background-color 0.15s ease, visibility 0.25s;
}

.back-to-top:hover {
  background-color: var(--brand-600);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(2, 132, 199, 0.35);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top svg {
  display: block;
  stroke: currentColor;
}

/* Mobil dezent am Rand platzieren */
@media (max-width: 640px) {
  .back-to-top {
    bottom: 1rem;
    right: 1rem;
    width: 38px;
    height: 38px;
  }
}
/* ==========================================================================
   Donut-Charts, Behörden-Quellen & Regionale Vermittler-Boxen
   ========================================================================== */

.chart-container {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  margin: 1.25rem 0;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 0.5rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.donut-chart {
  width: 100px;
  height: 100px;
  min-width: 100px;
  border-radius: 50%;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s ease;
}

.donut-chart::after {
  content: '';
  position: absolute;
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: var(--bank-900, #0f172a);
}

.chart-legend {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  font-size: 0.75rem;
  line-height: 1.3;
  color: var(--slate-300);
  width: 100%;
}

.legend-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.legend-label {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
}

.official-source-card {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--brand-600);
  border-radius: 0.5rem;
  padding: 1.25rem;
  margin: 1.5rem 0;
}

.official-source-card strong {
  color: var(--bank-900);
  display: block;
  margin-bottom: 0.5rem;
  font-size: 1rem;
}

.official-source-card p {
  font-size: 0.875rem;
  margin-bottom: 0.75rem;
  line-height: 1.6;
}

.official-source-card ul {
  font-size: 0.85rem;
  line-height: 1.7;
  padding-left: 1.25rem;
  margin: 0;
}

.official-source-card a {
  color: var(--brand-600);
  text-decoration: underline;
  font-weight: 600;
}

.regional-partner-box {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: 0.75rem;
  padding: 1.5rem;
  margin: 2.5rem 0;
}

.regional-partner-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.regional-partner-sub {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--brand-600);
  letter-spacing: 0.05em;
  display: block;
}

.regional-partner-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--bank-900);
  margin: 0.25rem 0 0 0;
}

.regional-partner-link {
  font-size: 0.8rem;
  color: var(--slate-500);
  text-decoration: underline;
}

.regional-partner-card {
  background: #ffffff;
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  padding: 1.25rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

@media (max-width: 480px) {
  .chart-container {
    flex-direction: column;
    align-items: center;
    text-align: left;
  }
}
/* ==========================================================================
   B2B-Partnerseite & Registrierungsformular
   ========================================================================== */

.b2b-form-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.75rem;
  padding: 2rem;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
  margin: 2.5rem 0;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.25rem;
}

.form-group-b2b {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.form-group-b2b label {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--bank-900);
}

.form-group-b2b input,
.form-group-b2b select,
.form-group-b2b textarea {
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--slate-300);
  border-radius: 0.375rem;
  font-size: 0.9rem;
  font-family: inherit;
}

.placement-preview {
  background: var(--slate-50);
  border: 2px dashed var(--brand-600);
  border-radius: 0.75rem;
  padding: 1.5rem;
  margin: 2rem 0;
}

.preview-badge {
  display: inline-block;
  background: var(--brand-600);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.2rem 0.6rem;
  border-radius: 0.25rem;
  margin-bottom: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.partner-sample-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  padding: 1.25rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  margin-top: 1rem;
}

.legal-consent-group {
  margin: 1.5rem 0;
  padding: 1.25rem;
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.legal-checkbox-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}

.legal-checkbox-item input[type="checkbox"] {
  margin-top: 0.25rem;
  width: 16px;
  height: 16px;
  cursor: pointer;
  flex-shrink: 0;
}

.legal-checkbox-item label {
  font-size: 0.8rem;
  color: var(--slate-600);
  line-height: 1.5;
  cursor: pointer;
}

.legal-checkbox-item label a {
  color: var(--brand-600);
  text-decoration: underline;
  font-weight: 600;
}

@media (max-width: 640px) {
  .form-row {
    grid-template-columns: 1fr;
  }
  .partner-sample-card {
    flex-direction: column;
    align-items: flex-start;
  }
}
/* Vorschau-Karte für Badge-Positionierung vorbereiten */
.partner-sample-card {
  position: relative;
  overflow: visible;
}

/* Runder Sticker / Aufkleber */
.sticker-free-badge {
  position: absolute;
  top: -75px;
  right: -12px;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: linear-gradient(135deg, #059669 0%, #047857 100%);
  color: #ffffff;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  box-shadow: 0 4px 12px rgba(5, 150, 105, 0.35), 0 2px 4px rgba(0, 0, 0, 0.1);
  transform: rotate(8deg);
  border: 2px solid #ffffff;
  z-index: 5;
  pointer-events: none;
}

.sticker-free-badge .badge-price {
  font-size: 1.1rem;
  font-weight: 800;
  line-height: 1;
}

.sticker-free-badge .badge-label {
  font-size: 8px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 2px;
}
/* ==========================================================================
   Bereitstellungszinsen- & Bauzeit-Planer (Monatlicher Abrufplan)
   ========================================================================== */

.month-input {
  width: 110px;
  padding: 0.35rem 0.5rem;
  font-size: 0.85rem;
  font-weight: 700;
  border: 1px solid var(--slate-300);
  border-radius: 0.375rem;
  text-align: right;
  font-family: inherit;
  color: var(--bank-900);
}

.month-input:focus {
  outline: none;
  border-color: var(--brand-500);
  box-shadow: 0 0 0 2px var(--brand-100);
}

.status-pill {
  font-size: 0.7rem;
  font-weight: 700;
  padding: 0.2rem 0.45rem;
  border-radius: 0.25rem;
  white-space: nowrap;
  display: inline-block;
}

.status-free {
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.status-charge {
  background: #fef2f2;
  color: #991b1b;
  border: 1px solid #fecdd3;
}

.preset-btn-bar {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin: 1rem 0;
}

.preset-btn {
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 600;
  border: 1px solid var(--slate-300);
  background: var(--white);
  color: var(--bank-900);
  border-radius: 0.375rem;
  cursor: pointer;
  transition: all 0.15s ease;
}

.preset-btn:hover {
  border-color: var(--brand-600);
  color: var(--brand-600);
}

.preset-btn.active {
  background: var(--bank-900);
  border-color: var(--bank-900);
  color: var(--white);
}
/* ==========================================================================
   Zins-Stresstest & Budgetrechner UI
   ========================================================================== */

.stresstest-section {
  margin-top: 2.5rem;
  padding: 1.75rem;
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: 0.75rem;
  width: 100%;
  box-sizing: border-box;
}

.stresstest-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--bank-900);
  margin-bottom: 0.5rem;
}

.stresstest-btn-group {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin: 1rem 0;
}

.stresstest-btn {
  padding: 0.4rem 0.85rem;
  font-size: 0.8rem;
  font-weight: 700;
  border-radius: 0.375rem;
  border: 1px solid var(--slate-300);
  background: var(--white);
  color: var(--bank-900);
  cursor: pointer;
  transition: all 0.15s ease;
  font-family: inherit;
}

.stresstest-btn:hover {
  border-color: var(--brand-600);
  color: var(--brand-600);
}

.stresstest-btn.active {
  background: var(--bank-900);
  border-color: var(--bank-900);
  color: var(--white);
}

.stress-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
  margin: 1.25rem 0;
  width: 100%;
}

.stress-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 0.5rem;
  padding: 1rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-sizing: border-box;
}

.stress-card-title {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--slate-400);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  display: block;
  line-height: 1.3;
}

.stress-card-val {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--bank-900);
  margin-top: 0.35rem;
  line-height: 1.2;
}

.stress-card-diff {
  font-size: 0.8rem;
  font-weight: 700;
  margin-top: 0.25rem;
}

/* Badges für den Mieten-oder-Kaufen Rechner */
.winner-badge {
  display: inline-block;
  padding: 0.25rem 0.75rem;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
}

.winner-kaufen {
  background: rgba(5, 150, 105, 0.2);
  color: #34d399;
  border: 1px solid rgba(5, 150, 105, 0.4);
}

.winner-mieten {
  background: rgba(2, 132, 199, 0.2);
  color: #38bdf8;
  border: 1px solid rgba(2, 132, 199, 0.4);
}