/* ============================================
   LIBRAMAXIMIZE.COM - Premium Banking CSS
   Style: Bancaire allemand, sobre, institutionnel
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

/* ===== CSS VARIABLES ===== */
:root {
  --navy: #0A2342;
  --navy-light: #132d52;
  --navy-dark: #061629;
  --gold: #C9A84C;
  --gold-light: #dfc070;
  --gold-dark: #a8882e;
  --white: #FFFFFF;
  --off-white: #F8F9FA;
  --gray-50: #F0F2F5;
  --gray-100: #E5E8ED;
  --gray-200: #D1D5DB;
  --gray-400: #9CA3AF;
  --gray-600: #6B7280;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --green: #10B981;
  --red: #EF4444;
  --shadow-sm: 0 1px 3px rgba(10,35,66,0.08);
  --shadow-md: 0 4px 16px rgba(10,35,66,0.12);
  --shadow-lg: 0 8px 32px rgba(10,35,66,0.16);
  --shadow-xl: 0 20px 60px rgba(10,35,66,0.20);
  --radius: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --transition: 0.25s ease;
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', -apple-system, sans-serif;
  font-weight: 400;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  padding-bottom: 80px;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; }

/* ===== TYPOGRAPHY ===== */
h1 { font-size: clamp(2rem, 5vw, 3.25rem); font-weight: 800; line-height: 1.15; color: var(--navy); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.6rem, 4vw, 2.5rem); font-weight: 700; line-height: 1.2; color: var(--navy); letter-spacing: -0.02em; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); font-weight: 600; line-height: 1.3; color: var(--navy); }
h4 { font-size: 1.1rem; font-weight: 600; color: var(--navy); }
p { font-size: 1rem; line-height: 1.75; color: var(--gray-700); }
.lead { font-size: 1.125rem; line-height: 1.7; color: var(--gray-600); font-weight: 400; }
.text-gold { color: var(--gold); }
.text-green { color: var(--green); font-weight: 600; }
.text-red { color: var(--red); }

/* ===== LAYOUT ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 800px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--dark { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%); }
.section--light { background: var(--gray-50); }

/* ===== RATES TICKER ===== */
.rates-ticker {
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(201,168,76,0.25);
  padding: 8px 0;
  overflow: hidden;
}
.rates-ticker__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  padding: 0 24px;
}
.rates-ticker__label {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.rates-ticker__item {
  color: rgba(255,255,255,0.75);
  font-size: 0.78rem;
}
.rates-ticker__item strong { color: var(--white); }
.rates-ticker__item--alert { color: rgba(255,255,255,0.4); font-size: 0.72rem; }
.rates-ticker__sep { color: rgba(201,168,76,0.4); }

/* ===== NAVBAR ===== */
.navbar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  position: sticky;
  top: 0;
  z-index: 1000;
  backdrop-filter: blur(8px);
  box-shadow: var(--shadow-sm);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.nav-logo-icon {
  width: 36px;
  height: 36px;
  background: var(--navy);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.nav-logo-text {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.nav-logo-text span { color: var(--gold); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-links a {
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--gray-600);
  padding: 8px 12px;
  border-radius: var(--radius);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-links a:hover { color: var(--navy); background: var(--gray-50); }
.nav-links a.active { color: var(--navy); font-weight: 600; }
.nav-cta {
  background: var(--navy) !important;
  color: var(--white) !important;
  padding: 10px 18px !important;
  border-radius: var(--radius) !important;
  font-weight: 600 !important;
  font-size: 0.84rem !important;
  transition: var(--transition) !important;
}
.nav-cta:hover { background: var(--navy-light) !important; color: var(--white) !important; }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown__trigger {
  display: flex;
  align-items: center;
  gap: 4px;
  cursor: pointer;
}
.nav-dropdown__menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 16px;
  min-width: 420px;
  z-index: 200;
}
.nav-dropdown:hover .nav-dropdown__menu,
.nav-dropdown__menu.show { display: block; }
.nav-dropdown__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 4px;
}
.nav-dropdown__grid a {
  font-size: 0.82rem;
  padding: 8px 10px;
  border-radius: var(--radius);
  color: var(--gray-700);
  transition: var(--transition);
}
.nav-dropdown__grid a:hover { background: var(--gray-50); color: var(--navy); }
.nav-dropdown__all {
  grid-column: 1 / -1;
  background: var(--navy) !important;
  color: var(--white) !important;
  text-align: center;
  font-weight: 600;
  margin-top: 8px;
}
.nav-dropdown__all:hover { background: var(--navy-light) !important; }

/* Mobile nav */
.nav-hamburger { display: none; background: none; padding: 8px; border-radius: var(--radius); }
.nav-mobile {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--gray-100);
  padding: 16px 24px 24px;
  max-height: 80vh;
  overflow-y: auto;
}
.nav-mobile a {
  display: block;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-700);
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
}
.nav-mobile a:last-child { border-bottom: none; }
.nav-mobile.open { display: block; }
.nav-mobile__submenu { padding-left: 16px; background: var(--gray-50); margin: 4px 0; border-radius: var(--radius); }
.nav-mobile__submenu a { font-size: 0.82rem; color: var(--gray-600); padding: 8px 0; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 600;
  transition: var(--transition);
  cursor: pointer;
  text-decoration: none;
  letter-spacing: 0.01em;
  border: none;
  white-space: nowrap;
}
.btn--primary {
  background: var(--gold);
  color: var(--navy);
}
.btn--primary:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(201,168,76,0.35); }
.btn--outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.4);
}
.btn--outline:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-light); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn--lg { padding: 16px 36px; font-size: 1rem; }
.btn--xl { padding: 20px 48px; font-size: 1.05rem; }
.btn--sm { padding: 9px 18px; font-size: 0.8rem; }

/* ===== BREADCRUMB ===== */
.breadcrumb { padding: 14px 0; border-bottom: 1px solid var(--gray-100); background: var(--white); }
.breadcrumb__list {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
  flex-wrap: wrap;
}
.breadcrumb__list li { font-size: 0.8rem; color: var(--gray-500); }
.breadcrumb__list li::after { content: '›'; margin-left: 8px; color: var(--gray-300); }
.breadcrumb__list li:last-child::after { display: none; }
.breadcrumb__list a { color: var(--navy); font-weight: 500; transition: var(--transition); }
.breadcrumb__list a:hover { color: var(--gold); }

/* ===== BAFIN WIDGET ===== */
.bafin-widget {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  box-shadow: var(--shadow-sm);
}
.bafin-widget__header {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--navy);
  margin-bottom: 16px;
}
.bafin-widget__rates {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.bafin-rate {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.bafin-rate__label {
  font-size: 0.72rem;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.bafin-rate__value {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.bafin-widget__source {
  font-size: 0.7rem;
  color: var(--gray-400);
  margin-top: 12px;
}

/* ===== PAGE HERO (inner pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #0d3060 100%);
  color: var(--white);
  padding: 56px 0 48px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(201,168,76,0.08) 0%, transparent 60%);
  pointer-events: none;
}
.page-hero__content { max-width: 720px; position: relative; z-index: 1; }
.page-hero__content--centered { max-width: 100%; text-align: center; }
.page-hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.35);
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero__sub { color: rgba(255,255,255,0.7); margin-bottom: 32px; max-width: 600px; }

/* Hero stats row */
.hero-stats-row {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
.hero-stat {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.hero-stat__val { font-size: 1.5rem; font-weight: 800; color: var(--gold); letter-spacing: -0.02em; }
.hero-stat__lbl { font-size: 0.72rem; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.06em; }
.hero-cta-row { display: flex; gap: 12px; flex-wrap: wrap; }

/* ===== RATES BAR ===== */
.rates-bar { padding: 24px 0; background: var(--gray-50); border-bottom: 1px solid var(--gray-100); }

/* ===== SECTION HEADER ===== */
.section-header { text-align: center; margin-bottom: 56px; }
.section-header h2 { margin-bottom: 16px; }
.section-header p { max-width: 580px; margin: 0 auto; color: var(--gray-600); }
.section-header--light h2 { color: var(--white); }
.section-header--light p { color: rgba(255,255,255,0.7); }

/* ===== SPLIT LAYOUT ===== */
.split-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 56px;
  align-items: start;
}
.split-layout__text h2 { margin-bottom: 20px; }
.split-layout__text .lead { margin-bottom: 16px; }
.split-layout__text p { margin-bottom: 16px; }
.info-box {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.25);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin: 20px 0;
}
.info-box svg { color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.info-box p { margin: 0; font-size: 0.88rem; }

/* Region card */
.region-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-md);
  position: sticky;
  top: 100px;
}
.region-card h3 { margin-bottom: 20px; font-size: 1rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-600); }
.region-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
.region-table tr { border-bottom: 1px solid var(--gray-100); }
.region-table tr:last-child { border-bottom: none; }
.region-table td { padding: 10px 0; }
.region-table td:first-child { color: var(--gray-600); }
.region-table td:last-child { text-align: right; font-weight: 600; color: var(--navy); }
.table-source { font-size: 0.7rem; color: var(--gray-400); margin-top: 10px; }

/* ===== SIMULATOR ===== */
.simulator-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.simulator-box {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.sim-field { margin-bottom: 20px; }
.sim-field label {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.6);
  margin-bottom: 8px;
}
.sim-field input[type="number"] {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  font-weight: 600;
  color: var(--white);
  background: rgba(255,255,255,0.08);
  transition: var(--transition);
}
.sim-field input[type="number"]:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}
.sim-range-wrap { margin-top: 8px; }
.sim-range-wrap input[type="range"] {
  width: 100%;
  accent-color: var(--gold);
  cursor: pointer;
}
.sim-presets { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 8px; }
.preset-btn {
  padding: 7px 12px;
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: 100px;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.7);
  border: 1px solid rgba(255,255,255,0.15);
  cursor: pointer;
  transition: var(--transition);
}
.preset-btn:hover, .preset-btn.active {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

/* Simulator results */
.simulator-results {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.sim-result-main {
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 20px;
  text-align: center;
}
.sim-result__label {
  display: block;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.6);
  margin-bottom: 6px;
}
.sim-result__val {
  display: block;
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--gold);
  letter-spacing: -0.03em;
}
.sim-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}
.sim-result-item {
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius);
  padding: 12px;
}
.sim-ri__label { font-size: 0.7rem; color: rgba(255,255,255,0.5); text-transform: uppercase; display: block; margin-bottom: 4px; }
.sim-ri__val { font-size: 1rem; font-weight: 700; color: var(--white); }

/* Comparison */
.sim-comparison {
  background: rgba(0,0,0,0.2);
  border-radius: var(--radius);
  padding: 16px;
  margin-bottom: 20px;
}
.sim-comparison h4 { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.5); margin-bottom: 12px; }
.sim-comp-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
}
.sim-comp-row:last-child { border-bottom: none; }
.sim-comp-row--total { font-weight: 700; padding-top: 10px; color: var(--white); }

/* Chart */
.sim-chart {
  background: rgba(0,0,0,0.15);
  border-radius: var(--radius);
  padding: 16px;
  margin-bottom: 16px;
}
.sim-chart__bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 80px;
  margin-bottom: 8px;
}
.sim-bar {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
  height: 100%;
  gap: 4px;
}
.sim-bar__fill {
  width: 100%;
  background: linear-gradient(180deg, var(--gold) 0%, var(--gold-dark) 100%);
  border-radius: 3px 3px 0 0;
  min-height: 4px;
  transition: height 0.6s ease;
}
.sim-bar__yr { font-size: 0.6rem; color: rgba(255,255,255,0.4); white-space: nowrap; }
.sim-chart__label { font-size: 0.7rem; color: rgba(255,255,255,0.4); text-align: center; }

/* ===== INVEST GRID ===== */
.invest-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.invest-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: relative;
  transition: var(--transition);
}
.invest-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.invest-card--featured {
  border-color: var(--gold);
  border-width: 2px;
  box-shadow: 0 4px 20px rgba(201,168,76,0.15);
}
.invest-card__badge {
  position: absolute;
  top: -12px;
  left: 20px;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.invest-card__icon { font-size: 2rem; margin-bottom: 12px; }
.invest-card h3 { margin-bottom: 8px; font-size: 1.1rem; }
.invest-card__rate {
  display: inline-block;
  background: rgba(16,185,129,0.1);
  color: var(--green);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 12px;
}
.invest-card p { font-size: 0.88rem; color: var(--gray-600); margin-bottom: 12px; }
.invest-list { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.invest-list li { font-size: 0.82rem; color: var(--gray-600); padding-left: 16px; position: relative; }
.invest-list li::before { content: '→'; position: absolute; left: 0; color: var(--gold); }

/* ===== DISTRICTS GRID ===== */
.districts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 8px;
}
.district-chip {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 10px 14px;
  font-size: 0.82rem;
  color: var(--gray-700);
  transition: var(--transition);
}
.district-chip:hover { border-color: var(--navy); color: var(--navy); background: var(--gray-50); }

/* ===== CITIES GRID ===== */
.cities-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: 8px;
}
.city-link {
  display: flex;
  flex-direction: column;
  gap: 2px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 10px 14px;
  transition: var(--transition);
  text-decoration: none;
}
.city-link:hover { border-color: var(--gold); background: rgba(201,168,76,0.05); transform: translateY(-1px); }
.city-link__name { font-size: 0.88rem; font-weight: 600; color: var(--navy); }
.city-link__zip { font-size: 0.72rem; color: var(--gray-500); }
.cities-more { text-align: center; color: var(--gray-500); font-size: 0.85rem; margin-top: 16px; }

/* ===== BUNDESLAND INDEX ===== */
.bundesland-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 16px;
}
.bundesland-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 20px;
  transition: var(--transition);
  text-decoration: none;
}
.bundesland-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.bundesland-card__emoji { font-size: 2.5rem; flex-shrink: 0; }
.bundesland-card__body { flex: 1; }
.bundesland-card__name { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.bundesland-card__capital { font-size: 0.78rem; color: var(--gray-600); margin-bottom: 4px; }
.bundesland-card__highlight { font-size: 0.78rem; color: var(--gold-dark); font-weight: 600; margin-bottom: 6px; }
.bundesland-card__meta {
  display: flex;
  gap: 12px;
  font-size: 0.72rem;
  color: var(--gray-500);
}
.bundesland-card__arrow { color: var(--gray-300); font-size: 1.2rem; flex-shrink: 0; transition: var(--transition); }
.bundesland-card:hover .bundesland-card__arrow { color: var(--gold); transform: translateX(4px); }

/* ===== COMPARISON TABLE (full) ===== */
.table-scroll { overflow-x: auto; }
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.comparison-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 16px;
  text-align: left;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
}
.comparison-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
}
.comparison-table tr:hover td { background: var(--gray-50); }
.comparison-table .link-arrow { color: var(--navy); font-weight: 600; }
.comparison-table .link-arrow:hover { color: var(--gold); }
.table-note { font-size: 0.72rem; color: var(--gray-400); margin-top: 12px; text-align: center; }

/* ===== FAQ (details/summary) ===== */
.faq-grid { display: flex; flex-direction: column; gap: 8px; }
.faq-item {
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.faq-item summary {
  padding: 18px 24px;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: var(--transition);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; color: var(--gold); font-size: 1.4rem; font-weight: 300; flex-shrink: 0; margin-left: 16px; }
.faq-item[open] summary { background: var(--gray-50); }
.faq-item[open] summary::after { content: '-'; }
.faq-body {
  padding: 0 24px 20px;
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ===== INFO GRID ===== */
.info-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.info-item {
  text-align: center;
  padding: 32px 24px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
}
.info-item__icon { font-size: 2.5rem; margin-bottom: 16px; }
.info-item h3 { margin-bottom: 12px; font-size: 1rem; }
.info-item p { font-size: 0.88rem; color: var(--gray-600); }

/* ===== STEPS TIMELINE ===== */
.steps-timeline { display: flex; flex-direction: column; gap: 0; }
.step-item {
  display: flex;
  gap: 24px;
  padding: 32px 0;
  border-bottom: 1px solid var(--gray-100);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 800;
  flex-shrink: 0;
}
.step-content h3 { margin-bottom: 8px; }
.step-content p { font-size: 0.9rem; color: var(--gray-600); }

/* ===== NAV CARDS ===== */
.nav-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 12px;
}
.nav-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 20px 16px;
  transition: var(--transition);
  text-decoration: none;
}
.nav-card:hover { border-color: var(--navy); background: var(--gray-50); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.nav-card--cta { border-color: var(--gold); background: rgba(201,168,76,0.05); }
.nav-card--cta:hover { background: rgba(201,168,76,0.1); }
.nav-card__icon { font-size: 1.8rem; }
.nav-card__title { font-size: 0.82rem; font-weight: 600; color: var(--navy); }
.section-nav-title { font-size: 1rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-500); margin-bottom: 20px; }

/* ===== LINK ARROW ===== */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  transition: var(--transition);
  margin-top: 8px;
}
.link-arrow::after { content: '→'; }
.link-arrow:hover { color: var(--gold); gap: 10px; }

/* ===== CTA BOX ===== */
.cta-section { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%); padding: 80px 0; }
.cta-box { text-align: center; max-width: 640px; margin: 0 auto; }
.cta-box h2 { color: var(--white); margin-bottom: 16px; }
.cta-box p { color: rgba(255,255,255,0.7); margin-bottom: 24px; }
.cta-features {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 32px;
}
.cta-features span { font-size: 0.85rem; color: rgba(255,255,255,0.85); font-weight: 500; }

/* ===== HERO (homepage) ===== */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, #0d3060 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
  padding: 100px 0;
  min-height: 85vh;
  display: flex;
  align-items: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.pexels.com/photos/4441791/pexels-photo-4441791.jpeg?auto=compress&cs=tinysrgb&fit=crop&h=900&w=1600') center/cover no-repeat;
  opacity: 0.07;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold); }
.hero .lead { color: rgba(255,255,255,0.75); margin-bottom: 36px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* Hero Card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-xl);
}
.hero-card h3 { color: var(--navy); margin-bottom: 24px; font-size: 1.1rem; }
.simulator-form { display: flex; flex-direction: column; gap: 16px; }
.sim-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray-600);
  margin-bottom: 6px;
}
.sim-group input, .sim-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--gray-800);
  background: var(--white);
  transition: var(--transition);
}
.sim-group input:focus, .sim-group select:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10,35,66,0.08);
}
.sim-result {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 20px;
  margin-top: 4px;
}
.sim-result-label { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.6); margin-bottom: 4px; }
.sim-result-value { font-size: 2rem; font-weight: 800; color: var(--gold); letter-spacing: -0.02em; }
.sim-result-sub { font-size: 0.75rem; color: rgba(255,255,255,0.5); margin-top: 2px; }

/* ===== TRUST BAR ===== */
.trust-bar {
  background: var(--navy);
  padding: 20px 0;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.8);
  font-size: 0.85rem;
  font-weight: 500;
}
.trust-item svg { color: var(--gold); flex-shrink: 0; }

/* ===== STATS ROW ===== */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--gray-100);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.stat-item {
  background: var(--white);
  padding: 32px 24px;
  text-align: center;
}
.stat-value { font-size: 2.25rem; font-weight: 800; color: var(--navy); letter-spacing: -0.03em; }
.stat-value span { color: var(--gold); }
.stat-label { font-size: 0.8rem; color: var(--gray-600); margin-top: 4px; font-weight: 500; }

/* ===== CARDS (general) ===== */
.card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--transition);
}
.card:hover { border-color: var(--gray-200); box-shadow: var(--shadow-md); transform: translateY(-2px); }

/* ===== GRID LAYOUTS ===== */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, #0d3060 100%);
  color: var(--white);
  padding: 80px 0;
}

/* ===== STICKY FOOTER CTA ===== */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 900;
  background: var(--navy);
  border-top: 3px solid var(--gold);
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  box-shadow: 0 -4px 24px rgba(10,35,66,0.25);
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
.sticky-cta.visible { transform: translateY(0); }
.sticky-cta-text { color: var(--white); font-size: 0.9rem; font-weight: 600; }
.sticky-cta-text span { color: var(--gold); }
.sticky-cta-actions { display: flex; align-items: center; gap: 12px; }
.sticky-close {
  background: none;
  color: rgba(255,255,255,0.5);
  font-size: 1.2rem;
  padding: 4px 8px;
  border-radius: 4px;
  transition: var(--transition);
}
.sticky-close:hover { color: var(--white); }

/* ===== EXIT POPUP ===== */
.exit-overlay {
  position: fixed;
  inset: 0;
  background: rgba(6,22,41,0.75);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  backdrop-filter: blur(4px);
}
.exit-overlay.open { opacity: 1; visibility: visible; }
.exit-popup {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 520px;
  width: 100%;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  transform: scale(0.92);
  transition: transform 0.3s ease;
}
.exit-overlay.open .exit-popup { transform: scale(1); }
.exit-popup-header {
  background: var(--navy);
  padding: 28px 32px;
  position: relative;
}
.exit-popup-header h3 { color: var(--white); margin-bottom: 8px; font-size: 1.3rem; }
.exit-popup-header p { color: rgba(255,255,255,0.7); font-size: 0.875rem; }
.exit-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: rgba(255,255,255,0.15);
  color: var(--white);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition: var(--transition);
}
.exit-close:hover { background: rgba(255,255,255,0.25); }
.exit-popup-body { padding: 28px 32px 32px; }
.exit-offer {
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 20px;
}
.exit-offer p { font-size: 0.875rem; color: var(--gray-700); margin: 0; }
.exit-offer strong { color: var(--navy); }
.exit-popup-actions { display: flex; flex-direction: column; gap: 10px; }
.exit-popup-actions .btn { justify-content: center; width: 100%; }
.exit-skip { background: none; color: var(--gray-400); font-size: 0.8rem; text-align: center; padding: 8px; transition: var(--transition); }
.exit-skip:hover { color: var(--gray-600); }

/* ===== FOOTER ===== */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-logo { color: var(--white); font-size: 1.1rem; font-weight: 800; margin-bottom: 16px; }
.footer-logo span { color: var(--gold); }
.footer-desc { font-size: 0.875rem; line-height: 1.65; margin-bottom: 20px; }
.footer-heading {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--white);
  margin-bottom: 16px;
}
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.6); transition: var(--transition); }
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.4); }
.footer-disclaimer {
  background: rgba(0,0,0,0.2);
  padding: 20px 24px;
  border-radius: var(--radius);
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  margin-bottom: 32px;
}

/* ===== REVEAL ON SCROLL ===== */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal-on-scroll.revealed { opacity: 1; transform: translateY(0); }

/* ===== MISC ===== */
.highlight-box {
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.3);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 20px 24px;
}
.compare-table { width: 100%; border-collapse: collapse; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); }
.compare-table th { padding: 20px 24px; font-size: 0.875rem; font-weight: 700; text-align: center; }
.compare-table th:first-child { text-align: left; background: var(--gray-50); color: var(--gray-700); }
.compare-table .th-winner { background: var(--navy); color: var(--white); }
.compare-table .th-other { background: var(--gray-100); color: var(--gray-600); }
.compare-table td { padding: 16px 24px; border-top: 1px solid var(--gray-100); font-size: 0.9rem; text-align: center; }
.compare-table td:first-child { text-align: left; font-weight: 500; color: var(--gray-700); background: var(--gray-50); }
.compare-table .col-winner { background: rgba(10,35,66,0.03); font-weight: 600; color: var(--navy); }
.compare-table .col-other { color: var(--gray-500); }
.check-yes { color: var(--green); font-size: 1.2rem; }
.check-no { color: var(--gray-300); font-size: 1.2rem; }
.badge-best { display: inline-flex; align-items: center; gap: 4px; background: var(--gold); color: var(--navy); font-size: 0.7rem; font-weight: 700; padding: 3px 8px; border-radius: 100px; text-transform: uppercase; letter-spacing: 0.05em; }
.tally-wrapper { background: var(--white); border: 1px solid var(--gray-100); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); }
.tally-header { background: var(--navy); padding: 28px 32px; }
.tally-header h3 { color: var(--white); font-size: 1.15rem; }
.tally-header p { color: rgba(255,255,255,0.6); font-size: 0.875rem; margin-top: 6px; }
.checklist { display: flex; flex-direction: column; gap: 12px; }
.checklist-item { display: flex; align-items: flex-start; gap: 12px; }
.checklist-item svg { flex-shrink: 0; margin-top: 2px; color: var(--gold); }
.checklist-item span { font-size: 0.95rem; color: var(--gray-700); line-height: 1.5; }
.data-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
.data-table th { background: var(--navy); color: var(--white); padding: 14px 20px; text-align: left; font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; }
.data-table td { padding: 14px 20px; border-bottom: 1px solid var(--gray-100); color: var(--gray-700); }
.data-table tr:hover td { background: var(--gray-50); }
.feature-row { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; padding: 64px 0; border-bottom: 1px solid var(--gray-100); }
.feature-row:last-child { border-bottom: none; }
.feature-row.reverse { direction: rtl; }
.feature-row.reverse > * { direction: ltr; }
.feature-img { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.feature-img img { width: 100%; height: 320px; object-fit: cover; }
.testimonial { background: var(--white); border: 1px solid var(--gray-100); border-radius: var(--radius-lg); padding: 28px; }
.testimonial-stars { color: var(--gold); font-size: 1rem; margin-bottom: 12px; }
.testimonial-text { font-size: 0.9rem; color: var(--gray-600); line-height: 1.7; font-style: italic; margin-bottom: 16px; }
.testimonial-author { font-size: 0.85rem; font-weight: 600; color: var(--navy); }
.testimonial-role { font-size: 0.78rem; color: var(--gray-400); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .invest-grid { grid-template-columns: 1fr; }
  .bafin-widget__rates { grid-template-columns: repeat(2, 1fr); }
  .bundesland-grid { grid-template-columns: repeat(2, 1fr); }
  .split-layout { grid-template-columns: 1fr; }
  .split-layout__aside { order: -1; }
  .region-card { position: static; }
  .simulator-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  body { padding-bottom: 70px; }
  .nav-links { display: none; }
  .nav-hamburger { display: block; }
  .hero { padding: 60px 0; min-height: auto; }
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-card { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .info-grid-3 { grid-template-columns: 1fr; }
  .feature-row { grid-template-columns: 1fr; gap: 32px; }
  .feature-row.reverse { direction: ltr; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .trust-bar-inner { gap: 24px; }
  .sticky-cta { padding: 12px 16px; }
  .sticky-cta-text span { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .section { padding: 56px 0; }
  .hero-stats-row { gap: 20px; }
  .bundesland-grid { grid-template-columns: 1fr; }
  .comparison-table { font-size: 0.78rem; }
  .sim-result-grid { grid-template-columns: 1fr; }
  .rates-ticker__inner { gap: 10px; }
  .nav-dropdown__menu { min-width: 280px; }
  .nav-dropdown__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .btn { justify-content: center; }
  .stats-row { grid-template-columns: 1fr; }
  .exit-popup-header, .exit-popup-body { padding: 20px; }
  .bafin-widget__rates { grid-template-columns: 1fr 1fr; }
  .cities-grid { grid-template-columns: repeat(2, 1fr); }
  .cta-features { gap: 10px; }
  .hero-stats-row { gap: 16px; }
}