@import url('https://fonts.googleapis.com/css2?family=Gilda+Display&family=Karla:wght@400;500;600;700;800&display=swap');
:root{--navy:#0A1A2F;--navy2:#132943;--mint:#C5A265;--ink:#0A1A2F;--cream:#F2F2F2;--gold-light:#D6BD93;--white:#fff;--muted:#647080}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'Karla',Arial,sans-serif;color:var(--ink);background:white}a{text-decoration:none;color:inherit}button,input{font:inherit}button{cursor:pointer}.wrap{max-width:1200px;padding:0 30px;margin:auto}.header{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid #ffffff1c}.nav{display:flex;align-items:center;min-height:86px;gap:32px}.logo{display:inline-flex;flex-direction:column;font-family:'Gilda Display',Georgia,serif;font-size:32px;font-weight:800;letter-spacing:-2px;color:#fff;line-height:1}.logo span{color:var(--mint)}.logo small{font:600 8px 'Karla',sans-serif;letter-spacing:3px;margin-top:7px}.nav nav{display:flex;gap:29px;margin-left:auto}.nav nav a{color:#d2d8dd;font-size:13px;font-weight:600}.nav nav a:hover{color:var(--mint)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:16px 23px;border-radius:6px;background:var(--mint);font-weight:800;font-size:13px;color:#0A1A2F;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-3px);background:#D6BD93}.btn span{font-size:18px}.nav-cta{white-space:nowrap}.menu{display:none;color:white;background:transparent;border:0;font-size:26px}.hero{background:var(--navy);color:white;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.13fr .87fr;gap:55px;align-items:center;min-height:655px;padding-top:62px;padding-bottom:75px}.eyebrow,.kicker{letter-spacing:2.5px;font-size:10px;font-weight:800}.eyebrow{color:#d1e0d9;display:flex;align-items:center;gap:9px}.eyebrow i{display:block;background:var(--mint);width:7px;height:7px;border-radius:50%}h1,h2,h3,p{margin-top:0}h1,h2{font-family:'Gilda Display',Georgia,serif;letter-spacing:-.035em;font-weight:400;line-height:1.12}h1{font-size:clamp(52px,5.6vw,72px);margin:30px 0 25px}h1 em,h2 em{font-style:normal;color:var(--mint)}.lead{font-size:16px;line-height:1.85;color:#c6d0d6;max-width:520px}.actions{display:flex;align-items:center;gap:23px;margin-top:34px;flex-wrap:wrap}.text-link{font-size:13px;font-weight:700;color:white;border-bottom:1px solid #a4b0b3;padding-bottom:7px}.hero-stats{display:flex;gap:35px;margin-top:67px;border-top:1px solid #ffffff32;padding-top:27px}.hero-stats>div{flex:1}.hero-stats b{display:block;color:var(--mint);font-size:19px;letter-spacing:-.5px;margin-bottom:8px}.hero-stats span{font-size:11px;color:#aab7c2;line-height:1.5}.hero-visual{position:relative;align-self:stretch;display:flex;align-items:center;min-height:470px}.photo-main{width:100%;height:520px;border-radius:180px 180px 8px 8px;overflow:hidden;position:relative;background:#25394b}.photo-main img{width:100%;height:100%;object-fit:cover;object-position:center 48%}.float-note{position:absolute;bottom:42px;left:-45px;background:white;color:var(--ink);padding:15px 18px;box-shadow:0 18px 35px #0005;border-radius:8px;display:flex;align-items:center;gap:13px}.note-icon{font-size:27px;color:#a5814b}.float-note strong{display:block;font-size:12px}.float-note small{display:block;color:#65717b;font-size:10px;margin-top:5px}.photo-caption{position:absolute;right:0;bottom:10px;color:white;font-size:12px;letter-spacing:1px;font-weight:800}.photo-caption span{display:block;font-size:8px;letter-spacing:2px;color:#d0d7df;margin-top:5px}.marquee{background:var(--mint);padding:21px 0;overflow:hidden;white-space:nowrap;text-align:center;font-size:11px;font-weight:800;letter-spacing:2px}.marquee b{margin:0 23px}.section{padding:108px 0}.light{background:#fff}.dark{background:var(--navy);color:#fff}.cream{background:var(--cream)}.section-top{display:flex;justify-content:space-between;align-items:end;gap:45px;margin-bottom:50px}.section-top p{max-width:340px;color:var(--muted);font-size:15px;line-height:1.9}.kicker{color:#977448}.mint{color:var(--mint)}h2{font-size:clamp(38px,4.8vw,52px);margin:20px 0 0}section:not(.dark):not(.cta-section) h2 em{color:#C5A265}.services{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #dbe0df;border-left:1px solid #dbe0df}.service{padding:32px;min-height:290px;border-right:1px solid #dbe0df;border-bottom:1px solid #dbe0df;transition:background .2s;position:relative}.service:hover{background:#faf5ec}.service-icon{display:inline-flex;width:47px;height:47px;align-items:center;justify-content:center;font-size:26px;background:#f7f0e5;border-radius:9px;color:#a5814b}.nr{display:block;margin:29px 0 12px;font-size:10px;color:#84918d;font-weight:800;letter-spacing:1.5px}.service h3{font:400 28px/1.25 'Gilda Display',Georgia,serif;letter-spacing:-.7px}.service p{font-size:13px;line-height:1.7;color:#63707b;max-width:280px}.service .arrow{position:absolute;right:29px;top:36px;font-size:23px}.feature-service{background:#f6eddd}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center}.calculator>div>p{color:#bfccd3;line-height:1.85;max-width:440px;margin-top:28px}.disclaimer{color:#8493a3;font-size:11px;max-width:430px;line-height:1.7;margin-top:42px}.calc-panel{background:#fff;color:var(--ink);border-radius:13px;padding:38px;box-shadow:0 20px 80px #0002}.range-line{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:18px}.range-line label{font-size:13px;font-weight:700}.range-line output{font:800 23px 'Gilda Display',Georgia,serif;white-space:nowrap}.range-line.second{margin-top:34px}input[type=range]{width:100%;accent-color:#C5A265;cursor:pointer}.range-limits{display:flex;justify-content:space-between;color:#84908e;font-size:11px;margin-top:7px}.calc-result{background:#f8f1e6;padding:25px;margin-top:34px;border-radius:9px}.calc-result small{font-size:10px;letter-spacing:1.3px;font-weight:800}.calc-result strong{display:block;font:800 44px 'Gilda Display',Georgia,serif;margin:10px 0}.calc-result p{font-size:11px;color:#5e745d;margin:10px 0 0;line-height:1.6}.meter{height:7px;border-radius:9px;background:#ead9bb;overflow:hidden}.meter span{display:block;height:100%;width:100%;background:#C5A265;transition:width .2s}.full{width:100%;margin-top:16px}.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:38px}.person-img{height:470px;overflow:hidden;border-radius:8px;background:#d4d9cf}.person-img img{height:100%;width:100%;object-fit:cover;object-position:center 40%;transition:transform .3s}.person:hover .person-img img{transform:scale(1.025)}.person-info{display:flex;justify-content:space-between;align-items:center;margin-top:25px}.person-info small{font-size:10px;letter-spacing:1.4px;color:#977448;font-weight:800}.person h3{font:400 32px 'Gilda Display',Georgia,serif;letter-spacing:-1px;margin:8px 0}.person-info>a{font-size:26px;background:#ecf3e5;border-radius:50%;width:46px;height:46px;display:grid;place-items:center}.person>p{color:#66727c;line-height:1.8;font-size:14px;max-width:490px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.steps>div{border-top:1px solid #b5bcb6;padding-top:25px}.steps span{font:800 48px 'Gilda Display',Georgia,serif;color:#C5A265}.steps h3{font-size:24px;margin:35px 0 12px}.steps p{font-size:14px;line-height:1.8;color:#66727c}.mini-check{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.mini-check>div>p{line-height:1.85;color:#66727c}.quiz{background:#f5f6f2;border:1px solid #e4e8e1;padding:28px;border-radius:10px}.choices{display:flex;flex-wrap:wrap;gap:10px}.choice{border:1px solid #d2d8d0;background:white;padding:12px 15px;border-radius:25px;font-size:12px;font-weight:700}.choice.active{background:var(--navy);color:white;border-color:var(--navy)}.recommend{padding:26px;background:white;border-radius:8px;margin-top:22px}.recommend small{font-size:10px;letter-spacing:2px;color:#a5814b;font-weight:800}.recommend h3{font:400 28px/1.3 'Gilda Display',Georgia,serif;margin:14px 0 8px}.recommend p{font-size:13px;color:#65717e;line-height:1.8}.recommend a{font-weight:800;font-size:13px;text-decoration:underline;text-underline-offset:5px}.cta-section{background:var(--navy2);padding:100px 0;color:white;text-align:center}.cta h2{margin-top:22px}.cta>p{max-width:510px;line-height:1.85;color:#c5d0d8;margin:24px auto}.center{justify-content:center}.btn-outline{background:transparent;color:white;border:1px solid #6b7885}.btn-outline:hover{background:#ffffff19}footer{background:#08111c;color:white;padding:70px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.footer-grid p{max-width:290px;color:#a0aab3;font-size:13px;line-height:1.8;margin-top:25px}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:15px;font-size:13px;color:#c0ccd5}.footer-grid b{font-size:10px;letter-spacing:2px;color:var(--mint);margin-bottom:6px}.footer-grid .legalnote{font-size:10px;line-height:1.5;color:#a6b1be}.footer-bottom{border-top:1px solid #ffffff20;display:flex;justify-content:space-between;margin-top:65px;padding-top:25px;color:#798a97;font-size:11px;gap:15px}
@media(max-width:1050px){.nav nav{gap:15px}.nav-cta{display:none}.hero-grid{gap:32px}.hero-stats{gap:14px}.calculator{gap:50px}.wrap{padding:0 24px}}@media(max-width:760px){.nav{min-height:73px}.menu{display:block;margin-left:auto}.nav nav{display:none;position:absolute;top:73px;left:0;right:0;background:#122237;padding:25px;flex-direction:column;gap:22px}.nav nav.open{display:flex}.hero-grid,.calculator,.mini-check{grid-template-columns:1fr}.hero-grid{padding-top:52px;gap:25px}.hero-stats{margin-top:44px}.hero-visual{min-height:360px;max-width:500px;margin:0 auto;width:100%}.photo-main{height:430px}.float-note{left:-5px;bottom:55px}.section{padding:70px 0}.section-top{display:block}.section-top p{margin-top:25px}.services{grid-template-columns:repeat(2,1fr)}.team-grid{gap:18px}.person-img{height:380px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:span 2}}@media(max-width:500px){.wrap{padding:0 20px}.hero-stats{gap:7px}.hero-stats b{font-size:15px}.hero-stats span{font-size:9px}h1{font-size:49px}.services,.team-grid,.steps{grid-template-columns:1fr}.service{min-height:245px}.person-img{height:420px}.calc-panel{padding:24px}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.footer-bottom{flex-direction:column}.marquee{font-size:9px}.marquee b{margin:0 10px}.cta-section{padding:75px 0}}

/* CI 2026: original logo and premium image treatment */
.logo{font-size:initial;letter-spacing:normal;line-height:normal;display:inline-flex;align-items:center;flex-shrink:0}
.logo img{width:178px;height:auto;display:block;object-fit:contain}
.footer-logo img{width:185px}
.hero-visual{min-height:425px}
.photo-main{height:430px;border-radius:16px;background:#12273e;box-shadow:0 22px 60px #0003}
.photo-main img{object-position:center center}
.float-note{bottom:20px;left:-20px;border:1px solid #e9dac0}
.hero-stats b{font-family:'Gilda Display',Georgia,serif;font-weight:400;font-size:23px}
.service-icon{color:#a5814b}.steps span{font-weight:400}
@media(max-width:760px){.logo img{width:146px}.photo-main{height:330px}.hero-visual{min-height:330px}}

/* V4 — editorial insurance worlds */
.services{gap:16px;border:0;grid-template-columns:repeat(3,minmax(0,1fr))}.service-rich{border:1px solid #e2e6e7;border-radius:15px;min-height:310px;background:linear-gradient(155deg,#fff 35%,#f8f8f5);box-shadow:0 8px 24px #0a1a2f08}.service-rich:hover{background:#f8f2e8;box-shadow:0 18px 40px #0a1a2f13;transform:translateY(-3px)}.service-icon{width:61px;height:61px;border:1px solid #e5d7bd;background:#f8f2e9;border-radius:17px;color:#a18050}.service-rich .nr{margin-top:23px}.service-rich h3{font-size:25px}.service-rich p{font-size:14px;line-height:1.65}.service-tags{font-size:11px;color:#a18050;font-weight:700}.service-rich .arrow{right:25px;top:44px}.detail-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.detail-card{scroll-margin-top:110px;padding:33px;border:1px solid #e2e1dc;background:#fff;border-radius:16px}.detail-heading{display:flex;align-items:center;gap:17px}.detail-heading h3{font:400 27px 'Gilda Display',Georgia,serif;margin:0 0 7px}.detail-heading p{margin:0;color:#987e5a;font-size:12px}.detail-card>p{margin:22px 0;font-size:14px;line-height:1.8;color:#5d6b77}.tag-title{font-size:10px;font-weight:800;letter-spacing:1.8px;color:#9b7e52;margin-bottom:10px}.pill-set{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:25px}.pill-set span{font-size:11px;padding:8px 11px;background:#f6f2eb;border-radius:30px;color:#38465a}.detail-link{font-size:13px;font-weight:800;text-decoration:underline;text-underline-offset:5px}.trust-strip{background:#132943;color:white;padding:44px 0}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.trust-grid>div{border-left:2px solid #c5a265;padding-left:19px}.trust-grid strong{display:block;font-family:'Gilda Display',Georgia,serif;font-size:21px;margin-bottom:10px;font-weight:400}.trust-grid span{color:#cad0d8;line-height:1.6;font-size:13px}html{scroll-padding-top:95px}
@media(max-width:850px){.services{grid-template-columns:repeat(2,minmax(0,1fr))}.detail-grid{grid-template-columns:1fr}}@media(max-width:560px){.services,.trust-grid{grid-template-columns:1fr}.service-rich{min-height:265px}.detail-card{padding:23px}}


/* Finture Mobile-Optimierung · 2026-11-07
   Breakpoints: Tablet 900px, Smartphone 640px, small phone 380px.
   Alle Anpassungen auf bestehende HTML-Struktur abgestimmt. */
html { -webkit-text-size-adjust:100%; }
body { overflow-x:clip; }
img, video, svg { max-width:100%; }
.wrap, .nav, main, .section, .hero-copy, .hero-visual { min-width:0; }
:where(p, h1, h2, h3, a, small, strong) { overflow-wrap:break-word; }

@media (max-width:900px) {
  .hero-grid { grid-template-columns:minmax(0,1fr) !important; min-height:0; }
  .hero-copy, .hero-visual { min-width:0; }
  .hero-visual { width:100%; max-width:640px; justify-self:center; }
  #beratungskompass > .wrap { grid-template-columns:minmax(0,1fr) !important; gap:28px !important; }
  #beratungskompass > .wrap > div { min-width:0; }
  .team-grid, .steps, .trust-grid { gap:18px; }
  .navigator-grid,.journey-layout,.reality-inner,.planner-view,.topic-hero-inner,.topic-content,.topic-note { grid-template-columns:minmax(0,1fr) !important; }
  .journey-tabs { grid-template-columns:repeat(2,minmax(0,1fr)); }
  .services { grid-template-columns:repeat(2,minmax(0,1fr)); }
  .reality-controls, .reality-outcomes { min-width:0; }
}
@media (max-width:760px) {
  .wrap { width:100%; padding-inline:20px; }
  .nav { gap:12px; min-height:70px; }
  .nav nav { position:absolute; top:100%; left:0; right:0; padding:16px 20px 22px; margin:0; flex-direction:column; background:#0A1A2F; box-shadow:0 15px 25px #0002; }
  .nav nav:not(.open) { display:none; }
  .nav nav.open { display:flex; }
  .nav nav a { white-space:normal; font-size:15px; padding:7px 0; }
  .menu { display:block; margin-left:auto; min-width:44px; min-height:44px; }
  .hero-grid { padding-top:42px; padding-bottom:43px; gap:24px; }
  .hero h1 { font-size:clamp(36px,9vw,52px); line-height:1.09; letter-spacing:-.025em; margin:20px 0; }
  .hero-copy .lead { font-size:16px; line-height:1.7; }
  .hero .actions,.cta .actions { align-items:stretch; gap:15px; }
  .hero .actions .btn, .cta .actions .btn { text-align:center; }
  .hero-stats { gap:12px; flex-wrap:wrap; margin-top:35px; }
  .hero-stats > div { min-width:calc(50% - 8px); }
  .hero-stats span { font-size:11px; }
  .hero-visual { min-height:unset; }
  .hero .photo-main { width:100%; height:clamp(260px,78vw,440px); }
  .float-note { left:8px; bottom:12px; max-width:calc(100% - 16px); padding:12px; }
  .section { padding:64px 0; }
  h2 { font-size:clamp(31px,8vw,44px); line-height:1.15; }
  .section-top { display:block; margin-bottom:30px; }
  .section-top p { margin:18px 0 0; max-width:100%; }
  #beratungskompass > .wrap > div:last-child { padding:26px 22px !important; }
  #beratungskompass > .wrap > div:last-child h3 { font-size:clamp(26px,7vw,36px) !important; }
  .service { min-width:0; padding:23px; }
  .service h3 { font-size:clamp(23px,5vw,29px); }
  .journey-feature { padding:30px 24px; }
  .navigator-card, .planner-controls, .planner-outcome { padding:24px 20px; }
  .reality-inner { overflow:hidden; }
  .reality-fields-grid { grid-template-columns:minmax(0,1fr) !important; }
  .reality-stats { grid-template-columns:repeat(2,minmax(0,1fr)); }
  .reality-chart-wrap { padding:12px 9px; }
  .reality-chart-wrap svg { max-width:100%; }
  .reality-tab { min-width:0; }
  .topic-hero h1 { font-size:clamp(35px,8.3vw,52px); }
  .topic-hero-aside { min-width:0; }
  .topic-content { gap:30px; }
  .topic-questions { padding:30px 0 0; border-left:0; border-top:1px solid #e3dfd7; }
  .footer-grid { gap:24px; }
}
@media (max-width:640px) {
  .wrap { padding-inline:18px; }
  .services, .team-grid, .steps, .trust-grid, .footer-grid, .journey-tabs { grid-template-columns:minmax(0,1fr) !important; }
  .team-grid > *, .services > *, .steps > * { min-width:0; }
  .service { min-height:0; }
  .person-img { height:clamp(300px,95vw,440px); }
  .hero-stats > div { min-width:calc(50% - 8px); }
  .hero-stats b { font-size:16px; }
  .float-note { position:relative; left:auto; bottom:auto; margin:-28px 12px 0; z-index:2; width:calc(100% - 24px); }
  .hero-visual { display:block; }
  .marquee { text-align:left; }
  .journey-tab { padding:15px 16px; }
  .navigator-result .btn,.reality-outcomes .btn { width:100%; max-width:100%; }
  .reality-controls,.reality-outcomes { padding:20px 16px; }
  .reality-tab { padding:12px 10px; font-size:12px; }
  .reality-stats { grid-template-columns:minmax(0,1fr); }
  .reality-chart-head, .reality-legend { flex-wrap:wrap; }
  .planner-switch { flex-wrap:wrap; }
  .planner-tab { white-space:normal; flex:1 1 135px; }
  .cta .actions { flex-direction:column; }
  .footer-grid > div:first-child { grid-column:auto; }
  .footer-bottom { gap:10px; text-align:center; }
}
@media(max-width:380px) {
  .wrap { padding-inline:14px; }
  .hero h1 { font-size:36px; }
  .eyebrow,.kicker { letter-spacing:1.1px; }
  .hero-stats { display:grid; grid-template-columns:1fr; }
  .hero-stats > div { min-width:0; }
  .service, .navigator-card, .planner-controls,.planner-outcome { padding:19px 16px; }
}
@media (prefers-reduced-motion:reduce) {
  .reveal-on-scroll { opacity:1 !important; transform:none !important; }
}