/* ===== RESET & BASE ===== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: Tahoma, sans-serif;
    color: #333;
    background-color: #fff;
    background-size: 100%;
    background-repeat: no-repeat;
    background-attachment: fixed;
    background-position: 0 0;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

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

/* ===== MAIN ===== */
main {
    flex: 1;
    display: flex;
    flex-direction: column;
}

/* ===== HEADER ===== */
header {
    background: #fff;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px;
    position: relative;
    z-index: 100;
}

nav {
    display: flex;
    align-items: center;
}

nav > ul {
    list-style: none;
    display: flex;
    align-items: center;
}

nav > ul > li {
    position: relative;
}

nav > ul > li > a {
    display: block;
    padding: 10px 18px;
    color: #2a5374;
    text-decoration: none;
    font-size: 15px;
    font-weight: 500;
    transition: color 0.3s;
}

nav > ul > li > a:hover {
    color: #4f7c94;
}

/* Dropdown arrow */
nav > ul > li.has-dropdown > a::after {
    content: " \25BE";
    font-size: 12px;
    margin-left: 4px;
}

/* Dropdown menu */
nav > ul > li > ul {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    background: #fff;
    list-style: none;
    min-width: 280px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
    z-index: 200;
    border-top: 2px solid #4f7c94;
}

nav > ul > li.dropdown-open > ul {
    display: block;
}

nav > ul > li > ul > li > a {
    display: block;
    padding: 10px 20px;
    color: #2a5374;
    text-decoration: none;
    font-size: 14px;
    transition: background 0.2s, color 0.2s;
}

nav > ul > li > ul > li > a:hover {
    background: #f5f5f5;
    color: #4f7c94;
}

/* Dropdown header (Sparten-Überschriften) */
nav > ul > li > ul > li.dropdown-header > a {
    font-weight: 600;
    color: #2a5374;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 12px 20px 4px;
    border-top: 1px solid #eee;
}

nav > ul > li > ul > li.dropdown-header:first-child > a {
    border-top: none;
    padding-top: 8px;
}

.logo {
    height: 50px;
}

.logo img {
    height: 100%;
    width: auto;
}

/* ===== MOBILE MENU ===== */
.menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 10px;
}

.menu-toggle span {
    display: block;
    width: 25px;
    height: 3px;
    background: #2a5374;
    margin: 5px 0;
    transition: 0.3s;
}

/* ===== HERO SECTION ===== */
.hero {
    flex: 1;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 80px 10%;
    position: relative;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(
        to right,
        rgba(42, 60, 80, 0.85) 0%,
        rgba(42, 60, 80, 0.7) 40%,
        rgba(42, 60, 80, 0.3) 70%,
        rgba(42, 60, 80, 0.1) 100%
    );
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 2;
    width: fit-content;
}

.hero h1 {
    font-size: 60px;
    font-weight: 600;
    color: #fff;
    line-height: 1.1;
    margin-bottom: 0;
    letter-spacing: 2.3px;
}

.hero h2 {
    font-size: 29px;
    font-weight: 400;
    color: #94cfcc;
    line-height: 1.1;
    margin-bottom: 30px;
    letter-spacing: 3.5px;
}

.hero .subtitle {
    font-size: 24px;
    color: #fff;
    font-weight: 400;
    margin-bottom: 50px;
    line-height: 1.4;
}

.hero-buttons {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
}

.hero-buttons .btn {
    flex: 1;
    text-align: center;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-block;
    padding: 15px 30px;
    font-size: 15px;
    font-weight: 500;
    font-family: Tahoma, sans-serif;
    color: #fff;
    text-decoration: none;
    border-radius: 4px;
    transition: opacity 0.3s, transform 0.2s;
    border: none;
    cursor: pointer;
}

.btn:hover {
    opacity: 0.85;
    transform: translateY(-1px);
}

.btn-kontakt {
    background-color: #c99388;
}

.btn-team {
    background-color: #94cfcc;
}

.btn-senden {
    background-color: #c99388;
    width: 100%;
    max-width: 500px;
    padding: 18px 40px;
    font-size: 18px;
    border-radius: 6px;
}

/* ===== CONTENT SECTIONS (for Makler etc.) ===== */
.content-section {
    flex: 1;
    position: relative;
    padding: 60px;
}

.content-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 1;
}

.content-inner {
    position: relative;
    z-index: 2;
}

.content-section h1 {
    font-size: 50px;
    font-weight: 600;
    color: #fff;
    line-height: 1.1;
    margin-bottom: 5px;
    font-style: italic;
}

.content-section .subtitle-heading {
    font-size: 50px;
    font-weight: 400;
    color: #94cfcc;
    margin-bottom: 30px;
    font-style: italic;
}

.content-section p {
    color: #fff;
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 20px;
    max-width: 600px;
}

.two-column {
    display: flex;
    gap: 60px;
}

.two-column .col {
    flex: 1;
}

.two-column .col p {
    max-width: none;
}

/* ===== CONTACT FORM ===== */
.contact-form {
    width: 100%;
    max-width: 550px;
    position: relative;
    z-index: 2;
}

.contact-form label {
    display: block;
    color: #fff;
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 5px;
    margin-top: 15px;
}

.contact-form label .required {
    color: #e74c3c;
    margin-left: 4px;
}

.contact-form input[type="text"],
.contact-form input[type="email"],
.contact-form textarea {
    width: 100%;
    padding: 10px 14px;
    font-size: 14px;
    font-family: Tahoma, sans-serif;
    border: 1px solid #ccc;
    border-radius: 3px;
    background: #fff;
}

.contact-form textarea {
    min-height: 150px;
    resize: vertical;
}

.contact-form .checkbox-group {
    margin-top: 20px;
}

.contact-form .checkbox-group label {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-weight: 400;
    font-size: 13px;
    margin-bottom: 12px;
    cursor: pointer;
}

.contact-form .checkbox-group input[type="checkbox"] {
    margin-top: 3px;
    flex-shrink: 0;
}

.contact-form .checkbox-group a {
    color: #c99388;
    text-decoration: none;
}

.contact-form .checkbox-group a:hover {
    text-decoration: underline;
}

.contact-form .form-submit {
    margin-top: 20px;
}

/* ===== ICON ROW (Immobilien, Sachversicherung, Gesundheit) ===== */
.icon-row {
    display: flex;
    gap: 12px;
    margin-bottom: 30px;
    flex-wrap: wrap;
}

.icon-circle {
    width: 55px;
    height: 55px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    color: #fff;
    transition: transform 0.2s;
}

.icon-circle:hover {
    transform: scale(1.1);
}

.icon-circle svg {
    width: 24px;
    height: 24px;
}

.icon-blue { background-color: #2a5374; }
.icon-teal { background-color: #94cfcc; }
.icon-mint { background-color: #6bb5a0; }
.icon-salmon { background-color: #c99388; }

/* ===== TRUST SECTION ===== */
.trust-bar {
    background: rgba(255, 255, 255, 0.25);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    padding: 18px 60px;
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 5;
}

.trust-bar h3 {
    text-align: center;
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 14px;
}

.trust-icons-row {
    display: flex;
    justify-content: center;
    gap: 24px;
}

.trust-icon-small {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: #2a5374;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: #fff;
}

.trust-expanded {
    position: absolute;
    bottom: 100%;
    left: 0;
    right: 0;
    background: rgba(255, 255, 255, 0.97);
    padding: 40px 60px 24px;
    opacity: 0;
    transform: translateY(16px);
    pointer-events: none;
    transition: opacity 0.35s ease, transform 0.35s ease;
    box-shadow: 0 -4px 24px rgba(0, 0, 0, 0.08);
}

.trust-bar:hover .trust-expanded {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
}

.trust-columns {
    display: flex;
    gap: 24px;
    max-width: 960px;
    margin: 0 auto;
}

.trust-col {
    flex: 1;
    display: flex;
    flex-direction: column;
    background: #94cfcc;
    border-radius: 8px;
    padding: 28px 24px;
    text-align: center;
}

.trust-col-icon {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: #2a5374;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: #fff;
    margin: 0 auto 14px;
}

.trust-col h4 {
    font-size: 17px;
    font-weight: 700;
    color: #2a5374;
    margin-bottom: 14px;
}

.trust-col ul {
    list-style: none;
    text-align: left;
    flex: 1;
}

.trust-col ul li {
    font-size: 13px;
    color: #555;
    line-height: 1.5;
    padding: 4px 0;
    padding-left: 16px;
    position: relative;
}

.trust-col ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 10px;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: #94cfcc;
}

/* ===== MODAL ===== */
.modal-overlay {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 1000;
    align-items: center;
    justify-content: center;
}

.modal-overlay.active {
    display: flex;
}

.modal {
    background: #fff;
    border-radius: 10px;
    padding: 36px 32px;
    max-width: 440px;
    width: 90%;
    position: relative;
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.2);
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 16px;
    background: none;
    border: none;
    font-size: 22px;
    color: #999;
    cursor: pointer;
    line-height: 1;
}

.modal-close:hover {
    color: #333;
}

.modal-icon {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: #2a5374;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin: 0 auto 16px;
}

.modal h4 {
    text-align: center;
    font-size: 20px;
    font-weight: 700;
    color: #2a5374;
    margin-bottom: 20px;
}

.modal-info {
    font-size: 14px;
    color: #555;
    line-height: 1.7;
    margin-bottom: 24px;
}

.modal-info dt {
    font-weight: 700;
    color: #2a5374;
    margin-top: 12px;
}

.modal-info dd {
    margin-left: 0;
}

.modal .btn-verify {
    display: block;
    text-align: center;
    background: #2a5374;
    color: #fff;
    text-decoration: none;
    padding: 12px 24px;
    border-radius: 5px;
    font-size: 14px;
    font-weight: 500;
    font-family: Tahoma, sans-serif;
    transition: opacity 0.3s;
}

.modal .btn-verify:hover {
    opacity: 0.85;
}

/* ===== TEAM SECTION ===== */
.team-section {
    background: rgba(255, 255, 255, 0.95);
    padding: 60px 10%;
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    max-width: 960px;
    margin: 0 auto;
}

.team-card {
    background: #fff;
    border-radius: 10px;
    padding: 32px 24px;
    text-align: center;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    display: flex;
    flex-direction: column;
    align-items: center;
}

.team-photo {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    background: #2a5374;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    overflow: hidden;
}

.team-photo span {
    color: #fff;
    font-size: 28px;
    font-weight: 600;
}

.team-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.team-card h3 {
    font-size: 17px;
    font-weight: 700;
    color: #2a5374;
    margin-bottom: 4px;
}

.team-card .team-role {
    font-size: 14px;
    color: #4f7c94;
    font-weight: 600;
    margin-bottom: 6px;
}

.team-card .team-specialty {
    font-size: 13px;
    color: #666;
    line-height: 1.4;
    margin-bottom: 16px;
    flex: 1;
}

.team-contact {
    display: flex;
    flex-direction: column;
    gap: 4px;
    width: 100%;
}

.team-contact a {
    font-size: 13px;
    color: #2a5374;
    text-decoration: none;
    transition: color 0.2s;
}

.team-contact a:hover {
    color: #4f7c94;
}

/* ===== MAKLER SECTION ===== */
.makler-section {
    background: #2a5374;
    padding: 60px 10%;
}

.makler-inner {
    max-width: 960px;
    margin: 0 auto;
}

.makler-heading {
    font-size: 32px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 24px;
}

.makler-section p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 16px;
}

/* ===== RUHESTAND SECTION ===== */
.ruhestand-section {
    background: rgba(255, 255, 255, 0.95);
    padding: 60px 10%;
    text-align: center;
}

.ruhestand-heading {
    font-size: 32px;
    font-weight: 600;
    color: #2a5374;
    margin-bottom: 12px;
}

.ruhestand-intro {
    font-size: 16px;
    color: #555;
    max-width: 600px;
    margin: 0 auto 48px;
    line-height: 1.6;
}

.leistung-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    max-width: 1100px;
    margin: 0 auto;
}

.leistung-card {
    background: #fff;
    border-radius: 10px;
    padding: 36px 28px;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    text-align: center;
    display: flex;
    flex-direction: column;
}

.leistung-icon {
    color: #2a5374;
    margin-bottom: 18px;
}

.leistung-icon svg {
    width: 40px;
    height: 40px;
}

.leistung-card h3 {
    font-size: 17px;
    font-weight: 700;
    color: #2a5374;
    margin-bottom: 14px;
}

.leistung-card p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
    flex: 1;
}

/* ===== RECHNER ===== */
.rechner-section {
    background: #2a5374;
    padding: 60px 10%;
    text-align: center;
}

.rechner-heading {
    font-size: 32px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 8px;
}

.rechner-intro {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 40px;
}

.rechner-box {
    max-width: 740px;
    margin: 0 auto;
}

.rechner-inputs {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-bottom: 32px;
}

.rechner-field {
    flex: 1;
}

.rechner-field label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 8px;
    text-align: left;
}

.input-wrap {
    display: flex;
    align-items: center;
    background: #fff;
    border-radius: 6px;
    overflow: hidden;
}

.input-wrap input {
    flex: 1;
    border: none;
    padding: 14px 16px;
    font-size: 18px;
    font-family: Tahoma, sans-serif;
    font-weight: 600;
    color: #2a5374;
    outline: none;
    width: 100%;
    -moz-appearance: textfield;
}

.input-wrap input::-webkit-outer-spin-button,
.input-wrap input::-webkit-inner-spin-button {
    -webkit-appearance: none;
    margin: 0;
}

.input-suffix {
    padding: 14px 16px;
    font-size: 14px;
    color: #999;
    font-weight: 600;
    white-space: nowrap;
}

.rechner-results {
    display: flex;
    gap: 20px;
}

.rechner-result {
    flex: 1;
    border-radius: 10px;
    padding: 28px 20px;
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.rechner-result.klassisch {
    background: rgba(255, 255, 255, 0.15);
}

.rechner-result.fonds {
    background: #94cfcc;
}

.result-label {
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rechner-result.klassisch .result-label {
    color: rgba(255, 255, 255, 0.7);
}

.rechner-result.fonds .result-label {
    color: #2a5374;
}

.result-value {
    font-size: 28px;
    font-weight: 700;
}

.rechner-result.klassisch .result-value {
    color: #fff;
}

.rechner-result.fonds .result-value {
    color: #2a5374;
}

.result-einzahlung {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.6);
}

.result-differenz {
    font-size: 12px;
    color: #2a5374;
    font-weight: 600;
}

.rechner-hinweis {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.5);
    margin-top: 24px;
}

/* ===== PRODUKT-KACHELN ===== */
.produkt-section {
    background: rgba(255, 255, 255, 0.95);
    padding: 60px 10%;
    text-align: center;
}

.produkt-heading {
    font-size: 32px;
    font-weight: 600;
    color: #2a5374;
    margin-bottom: 12px;
}

.produkt-intro {
    font-size: 16px;
    color: #555;
    max-width: 600px;
    margin: 0 auto 48px;
    line-height: 1.6;
}

.produkt-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1100px;
    margin: 0 auto;
}

.produkt-card {
    background: #fff;
    border-radius: 10px;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    overflow: hidden;
    cursor: pointer;
    transition: box-shadow 0.3s, transform 0.2s;
}

.produkt-card:hover {
    box-shadow: 0 6px 24px rgba(0, 0, 0, 0.12);
    transform: translateY(-3px);
}

.produkt-card.active {
    box-shadow: 0 6px 24px rgba(0, 0, 0, 0.12);
    transform: none;
    cursor: default;
}

.produkt-card-front {
    padding: 36px 28px;
    text-align: center;
}

.produkt-icon {
    color: #2a5374;
    margin-bottom: 18px;
}

.produkt-icon svg {
    width: 44px;
    height: 44px;
}

.produkt-card-front h3 {
    font-size: 17px;
    font-weight: 700;
    color: #2a5374;
    margin-bottom: 12px;
}

.produkt-card-front p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
    margin-bottom: 16px;
}

.produkt-mehr {
    display: inline-block;
    font-size: 13px;
    font-weight: 600;
    color: #94cfcc;
    transition: color 0.2s;
}

.produkt-card:hover .produkt-mehr {
    color: #2a5374;
}

.produkt-card.active .produkt-mehr {
    display: none;
}

.produkt-card-detail {
    display: none;
    padding: 0 28px 32px;
    text-align: left;
    border-top: 2px solid #94cfcc;
}

.produkt-card.active .produkt-card-detail {
    display: block;
}

.produkt-card-detail h4 {
    font-size: 16px;
    font-weight: 700;
    color: #2a5374;
    margin: 20px 0 12px;
}

.produkt-card-detail p {
    font-size: 14px;
    color: #555;
    line-height: 1.7;
    margin-bottom: 16px;
}

.produkt-card-detail ul {
    list-style: none;
    margin-bottom: 24px;
}

.produkt-card-detail ul li {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
    padding: 5px 0 5px 20px;
    position: relative;
}

.produkt-card-detail ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 12px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #94cfcc;
}

.produkt-card-detail .btn {
    display: block;
    text-align: center;
    font-size: 14px;
    padding: 12px 24px;
}

/* ===== IMPRESSUM ===== */
.impressum-section {
    background: rgba(255, 255, 255, 0.95);
    padding: 60px 10%;
}

.impressum-content {
    max-width: 800px;
    margin: 0 auto;
}

.impressum-block {
    margin-bottom: 32px;
}

.impressum-block h2 {
    font-size: 24px;
    color: #2a5374;
    margin-bottom: 12px;
}

.impressum-block h3 {
    font-size: 18px;
    color: #2a5374;
    margin-bottom: 8px;
}

.impressum-block p {
    font-size: 15px;
    line-height: 1.7;
    color: #444;
    margin-bottom: 10px;
}

.impressum-block a {
    color: #2a5374;
    text-decoration: none;
}

.impressum-block a:hover {
    text-decoration: underline;
}

.impressum-block ul {
    list-style: disc;
    margin: 8px 0 10px 24px;
    font-size: 15px;
    line-height: 1.7;
    color: #444;
}

.impressum-stand {
    font-size: 13px;
    color: #999;
    margin-top: 40px;
    text-align: right;
}

/* ===== VEMA BADGE ===== */
.vema-badge {
    margin-top: 40px;
    text-align: center;
}

.vema-badge img {
    height: 50px;
    width: auto;
    opacity: 0.85;
    transition: opacity 0.3s;
}

.vema-badge img:hover {
    opacity: 1;
}

/* ===== FOOTER ===== */
footer {
    background: rgba(255, 255, 255, 0.95);
    padding: 16px 21px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    z-index: 10;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.footer-logo img {
    height: 30px;
    width: auto;
}

.footer-logo span {
    color: #4f7c94;
    font-size: 14px;
}

.footer-links {
    display: flex;
    gap: 24px;
}

.footer-links a {
    color: #2a5374;
    text-decoration: none;
    font-size: 13px;
    transition: color 0.2s;
}

.footer-links a:hover {
    color: #4f7c94;
}

.footer-rights {
    color: #666;
    font-size: 13px;
}

/* ===== COOKIE BANNER ===== */
#cookieBanner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: #fff;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.12);
    z-index: 10000;
    padding: 20px 40px;
    transition: transform 0.4s ease, opacity 0.4s ease;
}

#cookieBanner.cookie-hidden {
    transform: translateY(100%);
    opacity: 0;
    pointer-events: none;
}

.cookie-inner {
    max-width: 960px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 32px;
}

.cookie-text {
    flex: 1;
}

.cookie-text strong {
    display: block;
    font-size: 15px;
    color: #2a5374;
    margin-bottom: 6px;
}

.cookie-text p {
    font-size: 13px;
    color: #555;
    line-height: 1.6;
    margin: 0;
}

.cookie-text a {
    color: #2a5374;
    text-decoration: underline;
}

.cookie-buttons {
    flex-shrink: 0;
}

.cookie-btn {
    padding: 12px 28px;
    border: none;
    border-radius: 4px;
    font-family: Tahoma, sans-serif;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: opacity 0.3s;
}

.cookie-btn:hover {
    opacity: 0.85;
}

.cookie-btn-accept {
    background: #2a5374;
    color: #fff;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero h1,
    .content-section h1 {
        font-size: 42px;
    }
    .hero h2 {
        font-size: 20px;
        letter-spacing: 2px;
    }
    .content-section .subtitle-heading {
        font-size: 42px;
    }
    .hero .subtitle {
        font-size: 18px;
    }
    .two-column {
        flex-direction: column;
        gap: 30px;
    }
    .team-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .produkt-cards {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 767px) {
    nav > ul {
        display: none;
    }

    .menu-toggle {
        display: block;
    }

    nav.open > ul {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: #fff;
        box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
        padding: 10px 0;
        z-index: 300;
    }

    nav.open > ul > li > ul {
        position: static;
        box-shadow: none;
        border-top: none;
        padding-left: 20px;
        display: none;
    }

    nav.open > ul > li:hover > ul {
        display: block;
    }


    header {
        flex-wrap: wrap;
    }

    .hero,
    .content-section {
        padding: 40px 25px;
    }

    .hero h1,
    .content-section h1 {
        font-size: 32px;
    }

    .hero h2,
    .content-section .subtitle-heading {
        font-size: 28px;
    }

    .hero .subtitle {
        font-size: 18px;
    }

    .btn {
        padding: 12px 24px;
        font-size: 14px;
    }

    footer {
        flex-direction: column;
        gap: 8px;
        text-align: center;
    }

    #cookieBanner {
        padding: 16px 20px;
    }

    .cookie-inner {
        flex-direction: column;
        gap: 16px;
        text-align: center;
    }

    .cookie-btn {
        width: 100%;
    }

    .trust-bar {
        padding: 14px 20px;
        background: rgba(255, 255, 255, 0.3);
    }

    .trust-expanded {
        padding: 30px 20px 16px;
    }

    .trust-columns {
        flex-direction: column;
        gap: 16px;
    }

    .team-section {
        padding: 40px 25px;
    }

    .team-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .makler-section {
        padding: 40px 25px;
    }

    .makler-heading {
        font-size: 24px;
    }

    .produkt-section {
        padding: 40px 25px;
    }

    .produkt-cards {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .produkt-heading {
        font-size: 24px;
    }

    .ruhestand-section {
        padding: 40px 25px;
    }

    .leistung-cards {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .ruhestand-heading {
        font-size: 24px;
    }

    .rechner-section {
        padding: 40px 25px;
    }

    .rechner-inputs {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .rechner-results {
        flex-direction: column;
        gap: 16px;
    }

    .rechner-heading {
        font-size: 24px;
    }
}