/* =========================================================
   Tom's Versicherungscheck · Funnel-Hub
   Tom Schwab · ERGO Zwickau
   Mobile-first. Reines CSS, keine externen Fonts/Libraries.
   ========================================================= */

:root{
  --red:#E30613;
  --red-dark:#b3040f;
  --navy:#001F2A;
  --navy-2:#062a37;
  --grey:#F4F5F7;
  --white:#ffffff;
  --gold:#B5AA5A;
  --gold-dark:#998e44;
  --ink:#0d1b22;
  --muted:#5a6b73;
  --line:#e2e5ea;
  --radius:18px;
  --radius-sm:10px;
  --shadow:0 18px 40px -22px rgba(0,31,42,.45);
  --shadow-hover:0 28px 56px -24px rgba(0,31,42,.55);
  --maxw:1080px;
  --font: -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,system-ui,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.55;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.001ms !important;transition-duration:.001ms !important}}

.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}
a{color:inherit}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;border:none;border-radius:999px;padding:15px 26px;font-size:1rem;font-weight:700;letter-spacing:.01em;text-decoration:none;transition:transform .15s ease, background .2s ease, box-shadow .2s ease}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.btn-lg{padding:18px 34px;font-size:1.08rem}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 10px 24px -10px rgba(227,6,19,.7)}
.btn-primary:hover{background:var(--red-dark);transform:translateY(-1px)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:30;background:var(--navy);color:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:11px}
.brand-mark{width:30px;height:30px;border-radius:7px;background:var(--red);position:relative;flex:none}
.brand-mark::after{content:"";position:absolute;inset:9px;border-radius:3px;background:#fff;opacity:.92}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text strong{font-size:.98rem}
.brand-text small{font-size:.72rem;color:#9fb2ba}
.header-phone{font-weight:700;font-size:.92rem;text-decoration:none;color:#fff;border:1.5px solid rgba(255,255,255,.3);padding:8px 14px;border-radius:999px;white-space:nowrap}
.header-phone:hover{border-color:var(--gold);color:var(--gold)}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1200px 600px at 80% -10%, rgba(181,170,90,.18), transparent 60%),linear-gradient(180deg,var(--navy) 0%, var(--navy-2) 100%);color:#fff;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--red)}
.hero-inner{padding:52px 20px 58px}
.eyebrow{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);border:1px solid rgba(181,170,90,.4);padding:6px 12px;border-radius:999px;margin-bottom:22px}
.hero-title{font-size:clamp(2.1rem,8vw,3.8rem);line-height:1.04;font-weight:800;letter-spacing:-.02em;max-width:16ch}
.hero-subline{margin-top:18px;font-size:clamp(1.02rem,2.6vw,1.2rem);color:#cdd9de;max-width:58ch}
.hero-jab{margin-top:22px;font-size:1.04rem;font-weight:600;color:#fff;border-left:3px solid var(--gold);padding:6px 0 6px 16px;max-width:60ch}
.hero-cta{margin-top:30px}
.trust-row{list-style:none;display:flex;flex-wrap:wrap;gap:8px 10px;margin-top:30px}
.trust-row li{font-size:.8rem;color:#bcccd2;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1)}
.trust-row li::before{content:"✓ ";color:var(--gold);font-weight:700}

/* ---------- Sections ---------- */
.section-title{font-size:clamp(1.5rem,4.5vw,2.2rem);font-weight:800;letter-spacing:-.01em;color:var(--navy)}
.section-lead{margin-top:14px;color:var(--muted);font-size:1.02rem;max-width:62ch}

/* ---------- Check-Karten ---------- */
.checks{padding:56px 0;background:var(--grey)}
.check-grid{display:grid;gap:18px;margin-top:34px}
@media(min-width:820px){.check-grid{grid-template-columns:repeat(3,1fr)}}

.check-card{
  display:flex;flex-direction:column;gap:12px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 26px 26px;text-decoration:none;color:inherit;position:relative;overflow:hidden;
  box-shadow:var(--shadow);transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.check-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;transition:width .18s ease}
.check-card.accent-red::before{background:var(--red)}
.check-card.accent-gold::before{background:var(--gold)}
.check-card.accent-navy::before{background:var(--navy)}
.check-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover);border-color:transparent}
.check-card:hover::before{width:8px}
.check-card:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

.card-tag{font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.check-card.accent-red .card-tag{color:var(--red)}
.check-card.accent-gold .card-tag{color:var(--gold-dark)}
.check-card.accent-navy .card-tag{color:var(--navy)}
.check-card h3{font-size:1.24rem;color:var(--navy);line-height:1.22;letter-spacing:-.01em}
.check-card p{font-size:.95rem;color:var(--muted);flex:1}
.card-btn{display:inline-flex;align-items:center;gap:8px;margin-top:6px;font-weight:700;font-size:.96rem;color:var(--red)}
.check-card.accent-gold .card-btn{color:var(--gold-dark)}
.check-card.accent-navy .card-btn{color:var(--navy)}
.arrow{transition:transform .18s ease}
.check-card:hover .arrow{transform:translateX(5px)}

/* ---------- So läuft es ab ---------- */
.process{padding:60px 0 70px;background:#fff}
.steps{list-style:none;margin-top:34px;display:grid;gap:16px;counter-reset:none}
@media(min-width:820px){.steps{grid-template-columns:repeat(4,1fr)}}
.steps li{display:flex;gap:14px;align-items:flex-start;background:var(--grey);border:1px solid var(--line);border-radius:var(--radius-sm);padding:20px 20px}
@media(min-width:820px){.steps li{flex-direction:column}}
.step-no{flex:none;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:1.1rem;display:flex;align-items:center;justify-content:center}
.steps strong{display:block;color:var(--navy);font-size:1.02rem;margin-bottom:5px}
.steps p{font-size:.88rem;color:var(--muted);line-height:1.45}

.legal-note{margin-top:40px;font-size:.8rem;line-height:1.55;color:var(--muted);background:var(--grey);border-left:3px solid var(--gold);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:16px 18px;max-width:80ch}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#cdd9de;padding:42px 0 30px}
.footer-inner{display:flex;flex-direction:column;gap:18px;justify-content:space-between}
.footer-brand{display:flex;flex-direction:column;gap:4px}
.footer-brand strong{color:#fff;font-size:1.05rem}
.footer-brand span{font-size:.9rem;color:#9fb2ba}
.footer-contact{display:flex;flex-direction:column;gap:6px}
.footer-contact a{color:var(--gold);text-decoration:none;font-weight:600}
.footer-contact a:hover{text-decoration:underline}
.footer-bottom{margin-top:26px;border-top:1px solid rgba(255,255,255,.12);padding-top:18px}
.footer-links{display:flex;gap:22px}
.footer-links a{font-size:.85rem;color:#9fb2ba;text-decoration:none}
.footer-links a:hover{color:var(--gold)}
@media(min-width:680px){.footer-inner{flex-direction:row;align-items:flex-start}}