/* ==========================================================================
   AXA · Poth & Poth OHG — B2B-Expertenseite
   Design-System nach AXA Design System (siehe layout/uploads/…Fahrplan.md)

   Grundregel: hell, klar, AXA-Blau dominant, Rot NUR als feiner Akzent
   (max. ~5 % der Fläche), Serif-Headlines, sehr viel Weißraum.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1 · CI-Tokens
   -------------------------------------------------------------------------- */
:root {
    --axa-blue:        #00008F;
    --axa-blue-dark:   #000066;
    --axa-blue-deep:   #00003F;
    --axa-tint:        #EDF0FF;
    --axa-red:         #FF1721;

    --bg:              #FFFFFF;
    --text:            #1A1A2E;
    --text-soft:       #4B4B55;

    --line:            #E7EAF6;
    --line-strong:     #C9D2F5;
    --line-field:      #C9CFEA;
    --line-dashed:     #C4CBE8;

    /* Schriften von axa.de: Publico Headline für Überschriften, Source
       Sans Pro für Fließtext. Publico ist lizenzpflichtig und steht
       hier deshalb nur als erste Wahl — greift, sobald die Dateien über
       AXA vorliegen. Bis dahin übernimmt Source Serif 4. Näheres in
       assets/css/axa-fonts.css. */
    --font-display:    'Publico Headline', 'Source Serif 4', Georgia, serif;
    --font-body:       'Source Sans 3', 'Source Sans Pro', Arial, sans-serif;

    --radius:          14px;
    --radius-sm:       8px;
    --shadow:          0 8px 32px rgba(0, 0, 143, .10);
    --shadow-lift:     0 22px 48px rgba(0, 0, 143, .20);
    --shadow-deep:     0 26px 64px rgba(0, 0, 143, .16);

    --section:         110px;
    --wrap:            1280px;
    --gutter:          36px;
}

/* --------------------------------------------------------------------------
   2 · Basis
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
    margin: 0;
    background: var(--bg);
    color: var(--text);
    font-family: var(--font-body);
    font-size: 17px;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;

    /* Notbremse gegen abgeschnittenen Text.
       Deutsche Komposita werden lang — „Betriebsunterbrechungs-
       versicherung" braucht bei 17px rund 300px, ein 320px-Display
       bietet aber nur 280px. Zusammen mit dem overflow-x oben würde
       so ein Wort nicht etwa einen Scrollbalken erzeugen, sondern am
       Rand abgeschnitten: der Rest wäre für den Besucher gar nicht
       mehr erreichbar. break-word greift ausschließlich dann, wenn
       ein Wort sonst nicht passt — sonst ändert sich nichts. */
    overflow-wrap: break-word;
}

img { max-width: 100%; display: block; }
a { color: var(--axa-blue); }
a:hover { color: var(--axa-blue-dark); }
::selection { background: var(--axa-blue); color: #FFFFFF; }

/* Sichtbarer Fokus für Tastatur-Navigation (Barrierefreiheit) */
:focus-visible {
    outline: 3px solid var(--axa-red);
    outline-offset: 3px;
    border-radius: 3px;
}
.axa-blue-bg :focus-visible { outline-color: #FFFFFF; }

.visually-hidden {
    position: absolute; width: 1px; height: 1px;
    margin: -1px; padding: 0; overflow: hidden;
    clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
    position: absolute; left: 12px; top: -100px; z-index: 200;
    background: var(--axa-blue); color: #FFFFFF;
    padding: 12px 20px; border-radius: 0 0 var(--radius-sm) var(--radius-sm);
    font-weight: 700; text-decoration: none;
    transition: top .2s;
}
.skip-link:focus { top: 0; color: #FFFFFF; }

/* --------------------------------------------------------------------------
   3 · Layout-Primitive
   -------------------------------------------------------------------------- */
.wrap {
    max-width: var(--wrap);
    margin: 0 auto;
    padding: 0 var(--gutter);
}

.section { padding: var(--section) 0; }
.section--tint { background: var(--axa-tint); }
.section--blue { background: var(--axa-blue); color: #FFFFFF; }
.section--flush { padding: 0; }

/* Sektions-Kopf: Eyebrow + Headline nebeneinander mit Fließtext rechts */
.section-head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 48px;
    flex-wrap: wrap;
    margin-bottom: 56px;
}
.section-head__main { max-width: 620px; display: flex; flex-direction: column; gap: 18px; }
.section-head__aside { margin: 0; max-width: 420px; font-size: 17px; line-height: 1.65; color: var(--text-soft); }
.section--blue .section-head__aside { color: rgba(255, 255, 255, .8); }

/* Namentlicher Ansprechpartner unter einem Team-Raster */
.team-kontakt {
    margin: 34px 0 0;
    display: inline-flex; align-items: center; gap: 10px; flex-wrap: wrap;
    font-size: 16.5px;
    color: rgba(255, 255, 255, .82);
    background: rgba(255, 255, 255, .10);
    border: 1px solid rgba(255, 255, 255, .28);
    border-radius: 999px;
    padding: 13px 22px;
}
.team-kontakt strong { color: #FFFFFF; }

/* --------------------------------------------------------------------------
   4 · Typografie
   -------------------------------------------------------------------------- */
.h1, .h2, .h3 {
    margin: 0;
    font-family: var(--font-display);
    font-weight: 600;
    color: var(--text);
    text-wrap: balance;
}
.h1 { font-size: clamp(34px, 5.2vw, 64px); line-height: 1.1; }
.h2 { font-size: clamp(28px, 3.7vw, 46px); line-height: 1.12; }
.h3 { font-size: clamp(21px, 2vw, 24px); line-height: 1.25; }

.h1 em, .h2 em { font-style: italic; font-weight: 500; }
.h1 .underline-red { border-bottom: 4px solid var(--axa-red); }

.section--blue .h1, .section--blue .h2, .section--blue .h3 { color: #FFFFFF; }

.lead {
    margin: 0;
    font-size: clamp(16.5px, 1.4vw, 19.5px);
    line-height: 1.65;
    color: var(--text-soft);
    max-width: 560px;
}
.section--blue .lead { color: rgba(255, 255, 255, .78); }

/* Eyebrow: rote Schräg-Marke + Versal-Label (Signature-Detail) */
.eyebrow {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--axa-blue);
}
.eyebrow::before {
    content: '';
    width: 20px; height: 13px;
    background: var(--axa-red);
    transform: skewX(-26deg);
    display: block;
    flex-shrink: 0;
}
.eyebrow--light { color: rgba(255, 255, 255, .88); }

/* Platzhalter-Markierung — alles hiermit Markierte muss noch gefüllt werden */
.platzhalter {
    display: inline-block;
    font-size: 12px;
    font-style: italic;
    color: var(--text-soft);
    border: 1px dashed var(--line-dashed);
    border-radius: 6px;
    padding: 7px 12px;
    line-height: 1.4;
}
.section--blue .platzhalter,
.site-footer .platzhalter {
    color: rgba(255, 255, 255, .6);
    border-color: rgba(255, 255, 255, .35);
}

/* --------------------------------------------------------------------------
   5 · Buttons & Links
   -------------------------------------------------------------------------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    min-height: 56px;
    padding: 0 30px;
    border: 0;
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 16px;
    font-weight: 700;
    text-decoration: none;
    white-space: nowrap;
    cursor: pointer;
    transition: background .2s, color .2s, transform .2s, box-shadow .2s, border-color .2s;
}
.btn--primary { background: var(--axa-blue); color: #FFFFFF; }
.btn--primary:hover { background: var(--axa-blue-dark); color: #FFFFFF; box-shadow: 0 10px 26px rgba(0, 0, 60, .35); }

.btn--light { background: #FFFFFF; color: var(--axa-blue); }
.btn--light:hover { background: var(--axa-tint); color: var(--axa-blue); transform: translateY(-2px); box-shadow: 0 14px 34px rgba(0, 0, 40, .35); }

.btn--ghost {
    background: rgba(255, 255, 255, .10);
    border: 1.5px solid rgba(255, 255, 255, .65);
    color: #FFFFFF;
    font-weight: 600;
}
.btn--ghost:hover { border-color: #FFFFFF; color: #FFFFFF; }

.btn--block { width: 100%; }

/* Textlink mit roter Unterstreichung */
.link-underline {
    align-self: flex-start;
    font-size: 16px;
    font-weight: 700;
    color: var(--axa-blue);
    text-decoration: none;
    border-bottom: 2px solid var(--axa-red);
    padding-bottom: 3px;
}
.link-underline:hover { color: var(--axa-blue-dark); }

/* --------------------------------------------------------------------------
   6 · Header
   -------------------------------------------------------------------------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 60;
    background: #FFFFFF;
    border-bottom: 3px solid var(--axa-red);
    box-shadow: 0 2px 20px rgba(0, 0, 143, .08);
}
.site-header__inner {
    max-width: var(--wrap);
    margin: 0 auto;
    padding: 0 28px;
    min-height: 86px;
    display: flex;
    align-items: center;
    gap: 24px;
}
.brand { display: flex; align-items: center; gap: 15px; text-decoration: none; flex-shrink: 0; }
.brand__mark {
    background: var(--axa-blue);
    width: 54px; height: 54px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.brand__mark img { width: 36px; height: auto; }
.brand__text { display: flex; flex-direction: column; gap: 3px; }
.brand__name {
    font-family: var(--font-display);
    font-weight: 700; font-size: 19px;
    color: var(--text); line-height: 1;
}
.brand__sub {
    font-size: 11px; font-weight: 600;
    letter-spacing: .15em; text-transform: uppercase;
    color: var(--text-soft); line-height: 1;
}

.site-nav { display: flex; align-items: center; gap: 22px; margin-left: auto; min-width: 0; }
.site-nav__links { display: flex; align-items: center; gap: 22px; flex-shrink: 0; }
.site-nav__links a {
    font-size: 15px; font-weight: 600;
    color: var(--text); text-decoration: none;
    white-space: nowrap; transition: color .2s;
}
.site-nav__links a:hover,
.site-nav__links a[aria-current="page"] { color: var(--axa-blue); }

.site-nav__phone {
    display: flex; align-items: center; gap: 8px;
    font-size: 15.5px; font-weight: 700;
    color: var(--axa-blue); text-decoration: none;
    white-space: nowrap; flex-shrink: 0;
}
.site-nav__phone:hover { color: var(--axa-blue-dark); }
.site-nav__cta {
    background: var(--axa-blue); color: #FFFFFF;
    font-size: 15px; font-weight: 700;
    padding: 13px 22px; border-radius: var(--radius-sm);
    text-decoration: none; white-space: nowrap; flex-shrink: 0;
    transition: background .2s, box-shadow .2s;
}
.site-nav__cta:hover { background: var(--axa-blue-dark); color: #FFFFFF; box-shadow: 0 8px 20px rgba(0, 0, 143, .28); }

/* Burger — nur unterhalb 1160px sichtbar */
.nav-toggle {
    display: none;
    margin-left: auto;
    width: 48px; height: 48px;
    align-items: center; justify-content: center;
    background: none; border: 1px solid var(--line);
    border-radius: var(--radius-sm); cursor: pointer;
    flex-shrink: 0;
}
.nav-toggle span {
    display: block; position: relative;
    width: 22px; height: 2px; background: var(--axa-blue);
}
.nav-toggle span::before,
.nav-toggle span::after {
    content: ''; position: absolute; left: 0;
    width: 22px; height: 2px; background: var(--axa-blue);
    transition: transform .2s, top .2s;
}
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after  { top: 7px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after  { top: 0; transform: rotate(-45deg); }

/* --------------------------------------------------------------------------
   7 · Hero
   -------------------------------------------------------------------------- */
.hero {
    position: relative;
    min-height: 90vh;
    display: flex;
    align-items: center;
    background: var(--axa-blue);
    overflow: hidden;
}
.hero--compact { min-height: 68vh; }

.hero__media { position: absolute; inset: 0; }
.hero__media img {
    width: 100%; height: 100%;
    object-fit: cover;
    object-position: 55% 40%;
    animation: heroZoom 18s ease-out forwards;
}
.hero__scrim {
    position: absolute; inset: 0; pointer-events: none;
    background: linear-gradient(97deg,
        rgba(0, 0, 80, .90)  0%,
        rgba(0, 0, 143, .64) 42%,
        rgba(0, 0, 143, .18) 72%,
        rgba(0, 0, 143, 0)  100%);
}
.hero__inner {
    position: relative;
    width: 100%;
    max-width: var(--wrap);
    margin: 0 auto;
    padding: 130px var(--gutter);
}
.hero__body {
    max-width: 700px;
    display: flex; flex-direction: column;
    align-items: flex-start; gap: 28px;
}
.hero__body .h1 { color: #FFFFFF; }
.hero__body .lead { color: rgba(255, 255, 255, .9); }
.hero__actions { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; margin-top: 6px; }

@keyframes heroZoom { from { transform: scale(1); } to { transform: scale(1.09); } }

/* Vertrauens-Pillen im Hero */
.pills { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; margin-top: 14px; }
.pill {
    display: flex; align-items: center; gap: 8px;
    font-size: 14.5px; font-weight: 600;
    color: rgba(255, 255, 255, .92);
    background: rgba(255, 255, 255, .12);
    -webkit-backdrop-filter: blur(10px);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, .25);
    border-radius: 999px;
    padding: 10px 18px 10px 14px;
}
.pill svg { flex-shrink: 0; }

/* --------------------------------------------------------------------------
   8 · Sparten-Laufband
   -------------------------------------------------------------------------- */
.ticker {
    background: #FFFFFF;
    border-bottom: 1px solid var(--line);
    overflow: hidden;
    padding: 30px 0;
}
.ticker__track { display: flex; width: max-content; animation: ticker 38s linear infinite; }
.ticker__group { display: flex; align-items: center; gap: 38px; padding-right: 38px; }
.ticker__word {
    font-family: var(--font-display);
    font-style: italic; font-weight: 500;
    font-size: 42px; line-height: 1;
    white-space: nowrap;
    color: transparent;
    -webkit-text-stroke: 1.2px rgba(0, 0, 143, .42);
}
/* Fallback, wenn -webkit-text-stroke fehlt: sichtbare Kontur ersetzen */
@supports not (-webkit-text-stroke: 1px black) {
    .ticker__word { color: rgba(0, 0, 143, .42); }
}
.ticker__word--solid { color: var(--axa-blue); -webkit-text-stroke: 0; }
.ticker__sep {
    font-family: var(--font-display);
    font-size: 36px; line-height: 1;
    color: var(--axa-red);
    transform: skewX(-10deg);
}
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* --------------------------------------------------------------------------
   9 · Trust-Bar
   -------------------------------------------------------------------------- */
.trustbar { background: #FFFFFF; border-bottom: 1px solid var(--line); }
.trustbar__inner {
    max-width: var(--wrap); margin: 0 auto;
    padding: 36px var(--gutter);
    display: flex; align-items: center; gap: 48px; flex-wrap: wrap;
}
.trustbar__brand { display: flex; align-items: center; gap: 15px; }
.trustbar__brand-mark {
    background: var(--axa-blue);
    width: 46px; height: 46px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.trustbar__brand-mark img { width: 30px; height: auto; }
.trustbar__brand-text {
    font-size: 13px; font-weight: 700;
    letter-spacing: .12em; text-transform: uppercase;
    color: var(--text-soft); line-height: 1.5;
}
.trustbar__rule { width: 1px; height: 52px; background: var(--line); }
.trustbar__stats { display: flex; gap: 64px; flex-wrap: wrap; }
.stat { display: flex; flex-direction: column; gap: 4px; }
.stat__value {
    font-family: var(--font-display);
    font-weight: 600; font-size: 32px;
    color: var(--axa-blue); line-height: 1;
}
.stat__label {
    font-size: 13.5px; font-weight: 600;
    letter-spacing: .06em; text-transform: uppercase;
    color: var(--text-soft);
}
.trustbar__note { margin-left: auto; }

/* --------------------------------------------------------------------------
   10 · Bento-Grid (Firmenlösungen)
   -------------------------------------------------------------------------- */
.bento {
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    grid-auto-rows: 280px;
    gap: 26px;
}
.bento__tile {
    position: relative;
    border-radius: var(--radius);
    overflow: hidden;
    background: var(--axa-blue-dark);
    box-shadow: var(--shadow);
    transition: transform .25s ease, box-shadow .25s ease;
}
.bento__tile:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); }
.bento__tile:focus-within { transform: translateY(-5px); box-shadow: var(--shadow-lift); }

.bento__tile img {
    position: absolute; inset: 0;
    width: 100%; height: 100%;
    object-fit: cover;
}
.bento__tile::after {
    content: '';
    position: absolute; inset: 0; pointer-events: none;
    background: linear-gradient(180deg, rgba(0, 0, 63, 0) 32%, rgba(0, 0, 63, .86) 100%);
}
.bento__link {
    position: absolute; left: 0; right: 0; bottom: 0; z-index: 1;
    padding: 30px;
    display: flex; flex-direction: column; gap: 10px;
    text-decoration: none;
}
.bento__link::before { content: ''; position: absolute; inset: -100vh 0 0 0; }
.bento__rule { width: 28px; height: 3px; background: var(--axa-red); display: block; }
.bento__title {
    font-family: var(--font-display);
    font-weight: 600; font-size: 27px; line-height: 1.2;
    color: #FFFFFF;
}
.bento__text { font-size: 15.5px; line-height: 1.55; color: rgba(255, 255, 255, .85); }
.bento__more {
    font-size: 14px; font-weight: 700;
    letter-spacing: .08em; text-transform: uppercase;
    color: #FFFFFF; margin-top: 4px;
}
/* Kleinere Kacheln etwas kompakter setzen */
.bento__tile--sm .bento__link { padding: 26px; gap: 8px; }
.bento__tile--sm .bento__title { font-size: 23px; }
.bento__tile--sm .bento__text { font-size: 14.5px; line-height: 1.5; }
.bento__tile--md .bento__link { padding: 28px; gap: 9px; }
.bento__tile--md .bento__title { font-size: 25px; }
.bento__tile--md .bento__text { font-size: 15px; line-height: 1.5; }

/* Platzierung der 6 Kacheln (Desktop) */
.bento__tile--a { grid-column: 1 / 6;  grid-row: 1 / 3; background: var(--axa-blue); }
.bento__tile--b { grid-column: 6 / 13; grid-row: 1 / 2; }
.bento__tile--c { grid-column: 6 / 9;  grid-row: 2 / 3; }
.bento__tile--d { grid-column: 9 / 13; grid-row: 2 / 3; }
.bento__tile--e { grid-column: 1 / 8;  grid-row: 3 / 4; }
.bento__tile--f { grid-column: 8 / 13; grid-row: 3 / 4; }

/* --------------------------------------------------------------------------
   11 · Experten-Story (Bild + Text)
   -------------------------------------------------------------------------- */
.story {
    display: grid;
    grid-template-columns: 1.05fr 1fr;
    gap: 84px;
    align-items: center;
}
.story__media { position: relative; }
.story__frame {
    position: absolute; left: -20px; top: 20px;
    width: 100%; height: 580px;
    border: 2px solid var(--line-strong);
    border-radius: var(--radius);
    pointer-events: none;
}
.story__image {
    height: 580px; position: relative;
    border-radius: var(--radius); overflow: hidden;
    box-shadow: var(--shadow-deep);
}
.story__image img { width: 100%; height: 100%; object-fit: cover; }
.story__badge {
    position: absolute; right: -22px; bottom: 34px;
    background: #FFFFFF; border-radius: 12px;
    box-shadow: 0 18px 44px rgba(0, 0, 143, .18);
    padding: 18px 22px;
    display: flex; align-items: center; gap: 14px;
}
.story__badge-mark {
    background: var(--axa-blue); width: 40px; height: 40px;
    display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.story__badge-mark img { width: 26px; height: auto; }
.story__body { display: flex; flex-direction: column; gap: 24px; }

/* Liste mit roten Quadrat-Bullets */
.bullets { display: flex; flex-direction: column; gap: 20px; margin: 6px 0 0; padding: 0; list-style: none; }
.bullets li { display: flex; gap: 16px; align-items: flex-start; font-size: 16.5px; line-height: 1.6; color: var(--text); }
.bullets li::before {
    content: ''; width: 10px; height: 10px;
    background: var(--axa-red); flex-shrink: 0; margin-top: 7px;
}
.section--blue .bullets li { color: rgba(255, 255, 255, .88); }

/* --------------------------------------------------------------------------
   12 · Ablauf-Schritte
   -------------------------------------------------------------------------- */
.steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    margin-top: 64px;
    border-top: 1px solid rgba(255, 255, 255, .24);
}
.step { padding: 36px 32px; display: flex; flex-direction: column; gap: 14px; border-left: 1px solid rgba(255, 255, 255, .24); }
.step:first-child { border-left: 0; padding-left: 0; }
.step:last-child { padding-right: 0; }
.step__num {
    font-family: var(--font-display);
    font-weight: 600; font-size: 86px; line-height: .9;
    color: transparent;
    -webkit-text-stroke: 1.3px rgba(255, 255, 255, .6);
}
@supports not (-webkit-text-stroke: 1px black) {
    .step__num { color: rgba(255, 255, 255, .45); }
}
.step__title { font-size: 19px; font-weight: 700; color: #FFFFFF; }
.step__text { font-size: 15.5px; line-height: 1.6; color: rgba(255, 255, 255, .75); }

/* Heller Variante für Unterseiten (3 Schritte auf Blau-Tint) */
.steps--light { border-top-color: var(--line-strong); }
.steps--light .step { border-left-color: var(--line-strong); }
.steps--light .step__num { -webkit-text-stroke-color: rgba(0, 0, 143, .38); }
@supports not (-webkit-text-stroke: 1px black) {
    .steps--light .step__num { color: rgba(0, 0, 143, .38); }
}
.steps--light .step__title { color: var(--text); }
.steps--light .step__text { color: var(--text-soft); }
.steps--three { grid-template-columns: repeat(3, 1fr); }

/* --------------------------------------------------------------------------
   13 · Referenzen / Zitate
   -------------------------------------------------------------------------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.quote {
    margin: 0;
    border: 1px solid #E3E7F7;
    border-radius: var(--radius);
    padding: 34px;
    display: flex; flex-direction: column; gap: 20px;
    background: #FFFFFF;
}
.quote__mark {
    font-family: var(--font-display);
    font-size: 58px; line-height: .6;
    color: var(--line-strong); margin-top: 14px;
}
.quote__sterne { display: flex; gap: 3px; color: #F5A623; }
.quote__quelle {
    font-size: 13px; font-weight: 600;
    letter-spacing: .04em; text-transform: uppercase;
    color: var(--text-soft); opacity: .8;
}
.quote blockquote {
    margin: 0;
    font-family: var(--font-display);
    font-style: italic; font-size: 18.5px; line-height: 1.55;
    color: var(--text);
}
.quote figcaption { display: flex; flex-direction: column; gap: 8px; margin-top: auto; }
.quote__rule { width: 22px; height: 3px; background: var(--axa-red); display: block; }
.quote__who { font-size: 14.5px; font-weight: 600; color: var(--text-soft); }

/* --------------------------------------------------------------------------
   14 · FAQ
   -------------------------------------------------------------------------- */
.faq-layout {
    display: grid;
    grid-template-columns: .9fr 1.4fr;
    gap: 84px;
    align-items: start;
}
.faq-intro { display: flex; flex-direction: column; gap: 18px; position: sticky; top: 120px; }
.faq-list { display: flex; flex-direction: column; gap: 16px; }

.faq-item {
    background: #FFFFFF;
    border-radius: var(--radius);
    box-shadow: 0 8px 32px rgba(0, 0, 143, .08);
    overflow: hidden;
}
.faq-item > summary {
    cursor: pointer;
    padding: 24px 28px;
    display: flex; justify-content: space-between; align-items: center; gap: 18px;
    font-size: 17.5px; font-weight: 700; color: var(--text);
    list-style: none;
}
.faq-item > summary::-webkit-details-marker { display: none; }
.faq-item__sign {
    font-size: 24px; font-weight: 400; line-height: 1;
    color: var(--axa-blue); flex-shrink: 0;
    transition: transform .2s;
}
.faq-item[open] .faq-item__sign { transform: rotate(45deg); }
.faq-item__answer { padding: 0 28px 26px; font-size: 16px; line-height: 1.65; color: var(--text-soft); }

/* --------------------------------------------------------------------------
   15 · Kontakt
   -------------------------------------------------------------------------- */
.contact {
    position: relative;
    background: linear-gradient(135deg, var(--axa-blue) 0%, var(--axa-blue-dark) 100%);
    padding: var(--section) 0 90px;
    color: #FFFFFF;
}
.contact::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--axa-red);
}
.contact__layout {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 84px;
    align-items: start;
}
.contact__aside { display: flex; flex-direction: column; gap: 26px; }
.contact__aside .h2 { color: #FFFFFF; }
.contact__aside .lead { color: rgba(255, 255, 255, .82); max-width: 480px; }

.contact__phone-block { display: flex; flex-direction: column; gap: 6px; margin-top: 10px; }
.contact__phone-label {
    font-size: 13px; font-weight: 700;
    letter-spacing: .14em; text-transform: uppercase;
    color: rgba(255, 255, 255, .6);
}
.contact__phone {
    font-family: var(--font-display);
    font-weight: 600; font-size: clamp(30px, 4vw, 44px);
    color: #FFFFFF; text-decoration: none; line-height: 1.15;
}
.contact__phone:hover { color: #FFFFFF; text-decoration: underline; }

.contact__claim {
    max-width: var(--wrap); margin: 70px auto 0;
    padding: 0 var(--gutter); text-align: center;
}
.contact__claim span {
    font-family: var(--font-display);
    font-style: italic; font-size: 27px;
    color: rgba(255, 255, 255, .92);
}

/* Formular-Karte */
.form-card {
    background: #FFFFFF;
    border-radius: var(--radius);
    box-shadow: 0 30px 80px rgba(0, 0, 40, .4);
    padding: 40px;
    display: flex; flex-direction: column; gap: 20px;
    color: var(--text);
}
.form-card .h3 { margin-bottom: 4px; }
.form-card__note {
    display: flex; align-items: center; gap: 9px;
    margin-top: -6px; font-size: 14px; color: var(--text-soft);
}
.form-card__dot { width: 9px; height: 9px; border-radius: 50%; background: #1E8A63; flex-shrink: 0; }

.field { display: flex; flex-direction: column; gap: 8px; }
.field label { font-size: 14px; font-weight: 700; color: var(--text); }
.field input,
.field textarea {
    border: 1px solid var(--line-field);
    border-radius: var(--radius-sm);
    padding: 13px 15px;
    /* Nicht unter 16px verkleinern: iOS Safari zoomt die Seite
       automatisch, sobald ein Eingabefeld mit kleinerer Schrift den
       Fokus bekommt. Der Besucher müsste nach jedem Feld von Hand
       zurückzoomen — genau im Moment der Anfrage. */
    font-size: 16px;
    font-family: var(--font-body);
    color: var(--text);
    background: #FFFFFF;
    width: 100%;
}
.field textarea { resize: vertical; min-height: 110px; }
.field input:focus,
.field textarea:focus {
    border-color: var(--axa-blue);
    box-shadow: 0 0 0 3px rgba(0, 0, 143, .14);
    outline: none;
}
.field--error input,
.field--error textarea { border-color: var(--axa-red); }
.field__error { font-size: 13.5px; font-weight: 600; color: #C1121C; }

.form-legal { font-size: 12.5px; line-height: 1.5; color: var(--text-soft); }

/* Einwilligung — als eigener, ruhiger Block abgesetzt */
.field--consent {
    margin-top: 4px;
    padding: 18px 18px 18px 16px;
    background: var(--axa-tint);
    border-radius: var(--radius-sm);
}
.field--consent.field--error {
    background: #FDECEC;
    box-shadow: inset 0 0 0 1px var(--axa-red);
}

.check {
    display: flex; align-items: flex-start; gap: 13px;
    cursor: pointer; position: relative;
}
.check input {
    position: absolute; top: 0; left: 0;
    opacity: 0; width: 24px; height: 24px; margin: 0; cursor: pointer;
}
.check__box {
    flex: 0 0 auto; margin-top: 1px;
    width: 24px; height: 24px;
    border: 1.5px solid var(--line-field);
    border-radius: 5px;
    background: #FFFFFF;
    transition: background .15s, border-color .15s;
}
.check__box::after {
    content: '';
    display: block;
    width: 6px; height: 11px;
    margin: 4px auto 0;
    border: solid #FFFFFF;
    border-width: 0 2.5px 2.5px 0;
    transform: rotate(45deg) scale(0);
    transition: transform .15s;
}
.check:hover .check__box { border-color: var(--axa-blue); }
.check input:checked ~ .check__box {
    background: var(--axa-blue);
    border-color: var(--axa-blue);
}
.check input:checked ~ .check__box::after { transform: rotate(45deg) scale(1); }
.check input:focus-visible ~ .check__box { outline: 3px solid var(--axa-red); outline-offset: 3px; }

/* Wichtig: .field label setzt font-weight:700 — hier bewusst zurücknehmen,
   sonst liest sich der Einwilligungstext wie eine Überschrift. */
.check__text {
    font-weight: 400;
    font-size: 13.5px;
    line-height: 1.6;
    color: var(--text-soft);
}
.check__text a { color: var(--axa-blue); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.check__text a:hover { color: var(--axa-blue-dark); }

.field--error .check__box { border-color: var(--axa-red); }

/* Captcha-Zeile — der Code steht als Text, nicht als Bild.
   Beschriftung sitzt wie bei allen Feldern über der ganzen Zeile. */
.captcha-row { display: flex; align-items: stretch; gap: 12px; }
.captcha-row input { flex: 1 1 auto; min-width: 0; }
.captcha-code {
    display: flex; align-items: center; justify-content: center;
    min-height: 52px; width: 132px; padding: 0 14px;
    flex: 0 0 auto;
    background: var(--axa-tint);
    border: 1px solid var(--line-field);
    border-radius: var(--radius-sm);
    font-family: var(--font-display);
    font-size: 23px; font-weight: 700;
    letter-spacing: .26em; text-indent: .26em;
    color: var(--axa-blue);
    -webkit-user-select: none; user-select: none;
}
@media (max-width: 420px) {
    .captcha-row { flex-direction: column; }
    .captcha-code { width: 100%; }
}

/* Rückmeldungen */
.alert {
    border-radius: var(--radius-sm);
    padding: 16px 18px;
    font-size: 15px;
    line-height: 1.55;
}
.alert--ok    { background: #E7F5EF; border: 1px solid #1E8A63; color: #10553D; }
.alert--error { background: #FDECEC; border: 1px solid #E8828A; color: #A5121A; }

/* Honeypot — für Menschen unsichtbar, Bots füllen ihn aus */
.hp-field {
    position: absolute !important;
    left: -9999px !important;
    width: 1px; height: 1px; overflow: hidden;
}

/* --------------------------------------------------------------------------
   16 · Fakten-Kacheln (Unterseiten)
   -------------------------------------------------------------------------- */
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 48px; }
.fact {
    position: relative;
    border-radius: var(--radius);
    overflow: hidden;
    min-height: 300px;
    background: var(--axa-blue-dark);
    box-shadow: var(--shadow);
}
.fact img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.fact::after {
    content: ''; position: absolute; inset: 0;
    background: linear-gradient(180deg, rgba(0, 0, 63, .10) 20%, rgba(0, 0, 63, .88) 100%);
}
.fact__body {
    position: absolute; left: 0; right: 0; bottom: 0; z-index: 1;
    padding: 28px; display: flex; flex-direction: column; gap: 10px;
}
.fact__rule { width: 28px; height: 3px; background: var(--axa-red); display: block; }
.fact__title { font-family: var(--font-display); font-weight: 600; font-size: 22px; line-height: 1.25; color: #FFFFFF; }
.fact__text { font-size: 15px; line-height: 1.55; color: rgba(255, 255, 255, .85); }

/* Zielgruppen-Karten */
.profiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.profile {
    border: 1px solid #E3E7F7;
    border-radius: var(--radius);
    padding: 28px;
    background: #FFFFFF;
    display: flex; flex-direction: column; gap: 10px;
    overflow: hidden;   /* damit das randlose Teamfoto den runden Ecken folgt */
}
.profile__rule { width: 22px; height: 3px; background: var(--axa-red); display: block; }
.profile__title { font-family: var(--font-display); font-weight: 600; font-size: 20px; color: var(--text); }
.profile__text { font-size: 15.5px; line-height: 1.55; color: var(--text-soft); }

/* Teamfotos: kommen von AXA im Format 540 x 302 und werden nicht
   hochskaliert — deshalb sitzt das Bild bündig im Kartenkopf, statt
   als Kreis beschnitten zu werden. Der Innenabstand der Karte wird
   dafür nach oben aufgehoben. */
.profile__foto {
    width: calc(100% + 56px);
    /* Ohne max-width:none kappt die globale img-Regel (max-width:100%) die
       Breite auf den Inhaltsbereich der Karte — der negative Rand zöge das
       Bild dann nach links und rechts bliebe ein Streifen Weißraum stehen. */
    max-width: none;
    margin: -28px -28px 18px;   /* hebt den Innenabstand der Karte nach oben auf */
    aspect-ratio: 540 / 302;    /* exakt das Seitenverhältnis der Quelle: kein Beschnitt */
    object-fit: cover;
    background: var(--axa-tint);
}
.profile__schwerpunkt { margin: 0; font-size: 15.5px; line-height: 1.55; color: var(--text); }
.profile__quali {
    margin: 0; font-size: 13.5px; line-height: 1.5; color: var(--text-soft);
    padding-top: 10px; border-top: 1px solid var(--line);
}

/* Rücksprung-Leiste */
.backlink-bar {
    background: #FFFFFF;
    border-top: 1px solid var(--line);
    padding: 34px 0;
}
.backlink-bar__inner {
    max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter);
    display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}

/* --------------------------------------------------------------------------
   16b · Fachwissen (Blog)
   -------------------------------------------------------------------------- */
.posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }

.post {
    display: flex; flex-direction: column;
    background: #FFFFFF;
    border: 1px solid #E3E7F7;
    border-radius: var(--radius);
    overflow: hidden;
    transition: transform .25s ease, box-shadow .25s ease;
}
.post:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); }
.post:focus-within { transform: translateY(-5px); box-shadow: var(--shadow-lift); }

.post__media { display: block; aspect-ratio: 16 / 10; overflow: hidden; background: var(--axa-tint); }
.post__media img { width: 100%; height: 100%; object-fit: cover; }

.post__body { padding: 28px; display: flex; flex-direction: column; gap: 12px; flex: 1; }

.post__meta {
    display: flex; align-items: center; gap: 7px 14px; flex-wrap: wrap;
    font-size: 13px; font-weight: 600;
    letter-spacing: .04em; text-transform: uppercase;
    color: var(--text-soft);
}
/* Kategorie bekommt eine eigene Zeile: sonst bricht die Meta-Zeile je nach
   Länge des Kategorienamens unterschiedlich um und die Überschriften der
   Karten starten nicht mehr auf gleicher Höhe. */
.post__cat {
    flex: 0 0 100%;
    color: var(--axa-blue);
    border-left: 3px solid var(--axa-red);
    padding-left: 9px;
}

.post__title {
    margin: 0;
    font-family: var(--font-display);
    font-weight: 600; font-size: 23px; line-height: 1.25;
    color: var(--text);
}
.post__title a { color: inherit; text-decoration: none; }
.post__title a:hover { color: var(--axa-blue); }
/* Ganze Karte klickbar, ohne die Überschrift als Linktext zu verlieren */
.post__title a::after { content: ''; position: absolute; inset: 0; }
.post { position: relative; }

.post__text { margin: 0; font-size: 15.5px; line-height: 1.6; color: var(--text-soft); }
.post__more {
    margin-top: auto; padding-top: 8px;
    font-size: 14px; font-weight: 700;
    letter-spacing: .06em; text-transform: uppercase;
    color: var(--axa-blue);
}

/* Blättern */
.pager { display: flex; gap: 10px; flex-wrap: wrap; justify-content: center; margin-top: 56px; }
.pager__item {
    min-width: 46px; min-height: 46px;
    display: inline-flex; align-items: center; justify-content: center;
    padding: 0 14px;
    border: 1px solid var(--line-strong);
    border-radius: var(--radius-sm);
    font-weight: 700; text-decoration: none;
    color: var(--axa-blue); background: #FFFFFF;
}
.pager__item:hover { background: var(--axa-tint); }
.pager__item--aktiv { background: var(--axa-blue); border-color: var(--axa-blue); color: #FFFFFF; }

/* Fließtext aus dem CMS-Editor */
.prose { font-size: 17.5px; line-height: 1.75; color: var(--text); }
.prose > *:first-child { margin-top: 0; }
.prose h2, .prose h3, .prose h4 {
    font-family: var(--font-display);
    font-weight: 600; color: var(--text);
    line-height: 1.22; margin: 48px 0 16px;
    text-wrap: balance;
}
.prose h2 { font-size: clamp(25px, 2.6vw, 33px); }
.prose h3 { font-size: clamp(21px, 2vw, 25px); }
.prose h4 { font-size: 19px; }
.prose p { margin: 0 0 22px; }
.prose ul, .prose ol { margin: 0 0 22px; padding-left: 22px; }
.prose li { margin-bottom: 10px; }
.prose ul { list-style: none; padding-left: 0; }
.prose ul > li { position: relative; padding-left: 26px; }
.prose ul > li::before {
    content: ''; position: absolute; left: 0; top: .62em;
    width: 9px; height: 9px; background: var(--axa-red);
}
.prose a { color: var(--axa-blue); text-decoration: underline; text-underline-offset: 2px; }
.prose strong { font-weight: 700; }
.prose img { border-radius: var(--radius); margin: 32px 0; }
.prose figure { margin: 32px 0; }
.prose figcaption { font-size: 14.5px; color: var(--text-soft); margin-top: 10px; }
.prose blockquote {
    margin: 32px 0; padding: 4px 0 4px 28px;
    border-left: 3px solid var(--axa-red);
    font-family: var(--font-display);
    font-style: italic; font-size: 21px; line-height: 1.5;
}
.prose hr { border: 0; border-top: 1px solid var(--line); margin: 44px 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 28px 0; font-size: 16px; }
.prose th, .prose td { border: 1px solid var(--line); padding: 12px 14px; text-align: left; }
.prose th { background: var(--axa-tint); font-weight: 700; }
.prose pre {
    background: var(--axa-tint); border: 1px solid var(--line);
    border-radius: var(--radius-sm); padding: 18px;
    overflow-x: auto; font-size: 14.5px;
}
.prose code { font-size: .93em; }
/* Breite Inhalte dürfen die Seite nicht seitlich scrollen lassen */
.prose > table, .prose > pre { max-width: 100%; }

/* ---------------------------------------------------------------
   Bootstrap-kompatible Klassen für Redaktionsinhalte.
   Das CMS erzeugt Bootstrap-Markup; hier wird es im AXA-Design
   umgesetzt, damit die Seite ohne Bootstrap (227 KB) auskommt.
   Bewusst nur der Teil, der in Beiträgen tatsächlich vorkommt.
   --------------------------------------------------------------- */
.prose .row {
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    gap: 22px;
    margin: 28px 0;
}
.prose .col-12    { grid-column: span 12; }
.prose .col-md-4  { grid-column: span 4; }
.prose .col-md-6  { grid-column: span 6; }
.prose .col-md-8  { grid-column: span 8; }
.prose .row > * { min-width: 0; }

.prose .card {
    background: #FFFFFF;
    border: 1px solid #E3E7F7;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    height: 100%;
}
.prose .card-body { padding: 26px; }
.prose .card-title {
    margin: 0 0 10px;
    font-family: var(--font-display);
    font-weight: 600; font-size: 20px; line-height: 1.25;
    color: var(--text);
}
.prose .card-text { margin: 0; font-size: 16px; line-height: 1.6; color: var(--text-soft); }

.prose .alert {
    margin: 30px 0;
    padding: 22px 24px;
    border-radius: var(--radius-sm);
    border-left: 4px solid var(--axa-blue);
    background: var(--axa-tint);
    font-size: 16.5px; line-height: 1.65;
}
.prose .alert > *:first-child { margin-top: 0; }
.prose .alert > *:last-child  { margin-bottom: 0; }
.prose .alert-heading {
    margin: 0 0 8px;
    font-family: var(--font-display);
    font-weight: 600; font-size: 19px;
    color: var(--text);
}
.prose .alert-warning { border-left-color: var(--axa-red); background: #FDECEC; }
.prose .alert-success { border-left-color: #1E8A63; background: #E7F5EF; }
.prose .alert-info,
.prose .alert-primary { border-left-color: var(--axa-blue); background: var(--axa-tint); }

.prose .table-responsive { overflow-x: auto; margin: 28px 0; }
.prose .table { margin: 0; }
.prose .table th { background: var(--axa-tint); }

.prose .badge {
    display: inline-block;
    padding: 5px 12px;
    border-radius: 999px;
    background: var(--axa-blue); color: #FFFFFF;
    font-size: 13px; font-weight: 700;
    letter-spacing: .04em;
}
.prose .badge.bg-danger { background: var(--axa-red); }

.prose .list-group { margin: 26px 0; padding: 0; list-style: none; }
.prose .list-group-item {
    position: static; padding: 16px 0 16px 26px;
    border-bottom: 1px solid var(--line);
    font-size: 16.5px; line-height: 1.6;
    margin: 0;
}
.prose .list-group-item::before {
    content: ''; position: absolute; left: 0; top: 1.5em;
    width: 9px; height: 9px; background: var(--axa-red);
}
.prose .list-group-item { position: relative; }
.prose .list-group-item:last-child { border-bottom: 0; }

/* Häufig genutzte Hilfsklassen */
.prose .lead { font-size: 19px; line-height: 1.65; color: var(--text-soft); max-width: none; }
.prose .fw-bold   { font-weight: 700; }
.prose .text-muted { color: var(--text-soft); }
.prose .mb-0 { margin-bottom: 0; }
.prose .mb-3 { margin-bottom: 18px; }
.prose .mb-4 { margin-bottom: 26px; }
.prose .mt-4 { margin-top: 26px; }

@media (max-width: 768px) {
    .prose .row { gap: 16px; margin: 22px 0; }
    .prose .col-md-4,
    .prose .col-md-6,
    .prose .col-md-8 { grid-column: span 12; }
    .prose .card-body { padding: 20px; }
    .prose .alert { padding: 18px 20px; }
}

/* --------------------------------------------------------------------------
   17 · Footer
   -------------------------------------------------------------------------- */
.site-footer { background: var(--axa-blue-dark); color: #FFFFFF; }
.site-footer__grid {
    max-width: var(--wrap); margin: 0 auto;
    padding: 78px var(--gutter) 56px;
    display: grid; grid-template-columns: 1.5fr 1fr 1fr .9fr; gap: 56px;
}
.site-footer__brand { display: flex; align-items: center; gap: 16px; margin-bottom: 24px; }
.site-footer__brand img { width: 62px; height: auto; }
.site-footer__name { font-family: var(--font-display); font-weight: 700; font-size: 20px; line-height: 1; }
.site-footer__sub {
    font-size: 11px; font-weight: 600; letter-spacing: .15em;
    text-transform: uppercase; color: rgba(255, 255, 255, .6); line-height: 1;
}
.site-footer__about { margin: 0; font-size: 15.5px; line-height: 1.65; color: rgba(255, 255, 255, .75); max-width: 340px; }
.site-footer__rule { width: 22px; height: 3px; background: var(--axa-red); margin-bottom: 14px; }
.site-footer h2 {
    margin: 0 0 18px; font-size: 12.5px; font-weight: 700;
    letter-spacing: .15em; text-transform: uppercase;
    color: rgba(255, 255, 255, .55);
}
.site-footer nav { display: flex; flex-direction: column; gap: 11px; }
.site-footer a { color: rgba(255, 255, 255, .82); text-decoration: none; font-size: 15px; transition: color .2s; }
.site-footer a:hover { color: #FFFFFF; text-decoration: underline; }
.site-footer__contact { display: flex; flex-direction: column; gap: 11px; font-size: 15px; color: rgba(255, 255, 255, .82); line-height: 1.5; }
.site-footer__bar { border-top: 1px solid rgba(255, 255, 255, .16); }
.site-footer__bar-inner {
    max-width: var(--wrap); margin: 0 auto;
    padding: 26px var(--gutter);
    display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.site-footer__copy { font-size: 14px; color: rgba(255, 255, 255, .6); }
.site-footer__cookies {
    background: none; border: 0; cursor: pointer;
    font-family: var(--font-body);
    font-size: 14px; color: rgba(255, 255, 255, .82);
    text-decoration: underline; text-underline-offset: 3px;
    padding: 10px 0; min-height: 44px;
}
.site-footer__cookies:hover { color: #FFFFFF; }
.site-footer__claim { font-family: var(--font-display); font-style: italic; font-size: 17px; color: rgba(255, 255, 255, .85); }

/* --------------------------------------------------------------------------
   17b · Cookie-Consent
   Opt-in: ohne Zustimmung wird nichts außer dem Notwendigen gesetzt.
   -------------------------------------------------------------------------- */
.cc {
    position: fixed; inset: 0; z-index: 120;
    display: flex; align-items: flex-end; justify-content: center;
    background: rgba(0, 0, 40, .55);
    padding: 20px;
    -webkit-backdrop-filter: blur(3px);
    backdrop-filter: blur(3px);
}
.cc[hidden] { display: none; }

.cc__box {
    width: 100%; max-width: 680px;
    max-height: calc(100vh - 40px);
    overflow-y: auto;
    background: #FFFFFF;
    border-radius: var(--radius);
    border-top: 3px solid var(--axa-red);
    box-shadow: 0 30px 80px rgba(0, 0, 40, .45);
    padding: 32px;
}

.cc__head { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.cc__mark {
    width: 20px; height: 13px; flex-shrink: 0;
    background: var(--axa-red); transform: skewX(-26deg);
}
.cc__title {
    margin: 0;
    font-family: var(--font-display);
    font-weight: 600; font-size: 22px; line-height: 1.25;
    color: var(--text);
}
.cc__text { margin: 0 0 20px; font-size: 15.5px; line-height: 1.6; color: var(--text-soft); }

.cc__optionen { display: flex; flex-direction: column; gap: 4px; margin-bottom: 22px; }
.cc__optionen[hidden] { display: none; }
.cc__opt {
    display: flex; align-items: flex-start; justify-content: space-between; gap: 20px;
    padding: 16px 0;
    border-top: 1px solid var(--line);
}
.cc__opt-titel { display: block; font-size: 15.5px; font-weight: 700; color: var(--text); }
.cc__opt-text  { display: block; font-size: 14px; line-height: 1.5; color: var(--text-soft); margin-top: 3px; }

/* Schalter */
.cc__schalter { position: relative; flex-shrink: 0; width: 50px; height: 28px; cursor: pointer; }
.cc__schalter input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.cc__schalter span {
    position: absolute; inset: 0;
    background: #C9CFEA; border-radius: 999px;
    transition: background .2s;
}
.cc__schalter span::after {
    content: ''; position: absolute; top: 3px; left: 3px;
    width: 22px; height: 22px; border-radius: 50%;
    background: #FFFFFF; box-shadow: 0 1px 3px rgba(0, 0, 60, .3);
    transition: transform .2s;
}
.cc__schalter input:checked + span { background: var(--axa-blue); }
.cc__schalter input:checked + span::after { transform: translateX(22px); }
.cc__schalter input:focus-visible + span { outline: 3px solid var(--axa-red); outline-offset: 3px; }
.cc__schalter--fest { opacity: .55; cursor: not-allowed; }
.cc__schalter--fest input { cursor: not-allowed; }

.cc__aktionen { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.cc__btn-sek {
    background: #FFFFFF; color: var(--axa-blue);
    border: 1.5px solid var(--line-strong);
}
.cc__btn-sek:hover { background: var(--axa-tint); color: var(--axa-blue); }
.cc__link {
    background: none; border: 0; cursor: pointer;
    font-family: var(--font-body);
    font-size: 15px; font-weight: 700; color: var(--text-soft);
    text-decoration: underline; text-underline-offset: 3px;
    min-height: 44px; padding: 0 6px;
}
.cc__link:hover { color: var(--axa-blue); }
.cc__aktionen [hidden] { display: none; }

/* Später erneut öffnen */
.cc__reopen {
    position: fixed; left: 18px; bottom: 18px; z-index: 90;
    width: 46px; height: 46px;
    display: flex; align-items: center; justify-content: center;
    background: #FFFFFF; color: var(--axa-blue);
    border: 1px solid var(--line-strong);
    border-radius: 50%;
    box-shadow: 0 6px 20px rgba(0, 0, 143, .16);
    cursor: pointer;
}
.cc__reopen:hover { background: var(--axa-tint); }
.cc__reopen[hidden] { display: none; }

@media (max-width: 560px) {
    .cc { padding: 0; align-items: flex-end; }
    .cc__box { border-radius: var(--radius) var(--radius) 0 0; padding: 24px 20px; max-height: 88vh; }
    .cc__aktionen .btn { width: 100%; }
    .cc__link { width: 100%; }
    /* Barrierefreiheits-Button nicht überdecken */
    .cc__reopen { left: 12px; bottom: 12px; }
}

/* --------------------------------------------------------------------------
   17c · Barrierefreiheits-Werkzeug im AXA-Blau
   accessibility.css bringt ein eigenes Blau (#0066cc) mit — hier nur die
   Farbe angeglichen, Funktion und Positionierung bleiben unverändert.
   -------------------------------------------------------------------------- */
.a11y-toggle {
    background: linear-gradient(135deg, var(--axa-blue) 0%, var(--axa-blue-dark) 100%) !important;
    box-shadow: 0 4px 20px rgba(0, 0, 143, .35) !important;
}
.a11y-toggle:focus-visible { outline: 3px solid var(--axa-red); outline-offset: 3px; }

/* --------------------------------------------------------------------------
   18 · Scroll-Animationen
   -------------------------------------------------------------------------- */
[data-animate] { will-change: opacity, transform; }
.js [data-animate].is-pending { opacity: 0; transform: translateY(26px); }
.js [data-animate].is-visible {
    opacity: 1; transform: none;
    transition: opacity .65s ease, transform .65s ease;
}

/* --------------------------------------------------------------------------
   19 · Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1160px) {
    .nav-toggle { display: flex; }
    .site-nav {
        display: none;
        position: absolute; top: 100%; left: 0; right: 0;
        flex-direction: column; align-items: stretch; gap: 0;
        background: #FFFFFF;
        border-bottom: 3px solid var(--axa-red);
        box-shadow: 0 18px 40px rgba(0, 0, 143, .16);
        padding: 12px var(--gutter) 24px;
    }
    .site-header { position: sticky; }
    .site-header__inner { position: relative; }
    .site-nav.is-open { display: flex; }
    .site-nav__links { flex-direction: column; align-items: stretch; gap: 0; }
    .site-nav__links a { padding: 16px 0; border-bottom: 1px solid var(--line); }
    .site-nav__phone { padding: 18px 0; font-size: 18px; }
    .site-nav__cta { text-align: center; padding: 16px 22px; }
}

@media (max-width: 1024px) {
    :root { --section: 84px; --gutter: 26px; }

    .story { grid-template-columns: 1fr; gap: 56px; }
    .story__frame { display: none; }
    .story__image { height: 420px; }
    .story__badge { right: 16px; bottom: 16px; }

    .faq-layout { grid-template-columns: 1fr; gap: 40px; }
    .faq-intro { position: static; }

    .contact__layout { grid-template-columns: 1fr; gap: 48px; }

    .steps { grid-template-columns: repeat(2, 1fr); }
    .step { padding: 32px 24px; border-left: 0; }
    .step:first-child { padding-left: 24px; }
    .step:nth-child(odd) { padding-left: 0; }
    .step:nth-child(even) { border-left: 1px solid rgba(255, 255, 255, .24); }
    .steps--light .step:nth-child(even) { border-left-color: var(--line-strong); }

    .quotes { grid-template-columns: 1fr; }
    .facts { grid-template-columns: 1fr; }
    .profiles { grid-template-columns: repeat(2, 1fr); }
    .posts { grid-template-columns: repeat(2, 1fr); gap: 24px; }

    /* Bento gestapelt: je Kachel volle bzw. halbe Breite */
    .bento { grid-auto-rows: 240px; }
    .bento__tile--a { grid-column: 1 / 13; grid-row: auto; }
    .bento__tile--b,
    .bento__tile--c,
    .bento__tile--d,
    .bento__tile--e,
    .bento__tile--f { grid-column: 1 / 13; grid-row: auto; }

    .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 40px; }
}

@media (max-width: 768px) {
    body { font-size: 16px; }

    .hero { min-height: 0; }
    .hero__inner { padding: 96px var(--gutter) 72px; }
    .hero__media img { object-position: 60% 40%; }
    .hero__scrim {
        background: linear-gradient(180deg, rgba(0, 0, 80, .82) 0%, rgba(0, 0, 143, .74) 60%, rgba(0, 0, 100, .88) 100%);
    }
    .hero__actions { flex-direction: column; align-items: stretch; width: 100%; }
    .hero__actions .btn { width: 100%; }

    .trustbar__inner { gap: 28px; }
    .trustbar__rule { display: none; }
    .trustbar__stats { gap: 28px; width: 100%; }
    .trustbar__note { margin-left: 0; }

    .ticker__word { font-size: 30px; }
    .ticker__sep { font-size: 26px; }

    .section-head { margin-bottom: 40px; gap: 24px; }
    .bento { grid-auto-rows: 220px; gap: 18px; }
    .bento__link,
    .bento__tile--sm .bento__link,
    .bento__tile--md .bento__link { padding: 22px; }
    .bento__title,
    .bento__tile--sm .bento__title,
    .bento__tile--md .bento__title { font-size: 21px; }

    .steps { grid-template-columns: 1fr; }
    .step,
    .step:first-child,
    .step:nth-child(odd),
    .step:nth-child(even) {
        padding: 26px 0;
        border-left: 0;
        border-top: 1px solid rgba(255, 255, 255, .24);
    }
    .steps--light .step { border-top-color: var(--line-strong); }
    .steps > .step:first-child { border-top: 0; }
    .step__num { font-size: 64px; }

    .profiles { grid-template-columns: 1fr; }
    .posts { grid-template-columns: 1fr; }
    .post__body { padding: 22px; }
    .prose { font-size: 16.5px; }

    .form-card { padding: 26px; }

    .site-footer__grid { grid-template-columns: 1fr; gap: 36px; padding-top: 56px; }
    .site-footer__bar-inner { flex-direction: column; align-items: flex-start; gap: 10px; }
}

@media (max-width: 560px) {

    /* Silbentrennung erst auf Telefonen: hier sind die Zeilen so kurz,
       dass lange Komposita sonst hässlich umbrechen. „lang=de" steht
       im <html>-Tag, die Trennmuster des Browsers greifen also. */
    body { hyphens: auto; -webkit-hyphens: auto; }

    /* Kleingedrucktes zur Einwilligung etwas größer: es ist die
       rechtlich maßgebliche Information und muss lesbar bleiben. */
    .form-legal { font-size: 13.5px; }
    .check__text { font-size: 14.5px; }
    :root { --gutter: 20px; }
    .brand__mark { width: 46px; height: 46px; }
    .brand__mark img { width: 30px; }
    .brand__name { font-size: 17px; }
    .brand__sub { font-size: 10px; letter-spacing: .12em; }
    .story__image { height: 320px; }
    .story__badge { position: static; margin-top: 16px; }
    .quote { padding: 26px; }
    .faq-item > summary { padding: 20px 20px; font-size: 16.5px; }
    .faq-item__answer { padding: 0 20px 22px; }
}

/* --------------------------------------------------------------------------
   20 · Bewegung reduzieren / Druck
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
    }
    .js [data-animate].is-pending { opacity: 1; transform: none; }
}

@media print {
    .site-header, .site-nav, .ticker, .nav-toggle, .skip-link { display: none !important; }
    body { font-size: 11pt; color: #000; }
    .hero, .section--blue, .contact { background: #FFF !important; color: #000 !important; }
}

/* ---------------------------------------------------------------
   Übersichtsseite /sitemap
   --------------------------------------------------------------- */
.sitemap-liste {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(330px, 1fr));
    gap: 4px 40px;
}
.sitemap-eintrag {
    padding: 22px 0;
    border-top: 1px solid var(--line);
}
.sitemap-eintrag__link {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 16px;
    text-decoration: none;
    color: var(--text);
}
.sitemap-eintrag__titel {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 20px;
    line-height: 1.28;
    text-wrap: balance;
}
.sitemap-eintrag__link:hover .sitemap-eintrag__titel,
.sitemap-eintrag__link:focus-visible .sitemap-eintrag__titel {
    color: var(--axa-blue);
    text-decoration: underline;
    text-underline-offset: 3px;
}
.sitemap-eintrag__pfeil {
    flex: 0 0 auto;
    color: var(--axa-red);
    font-size: 17px;
    transform: translateX(0);
    transition: transform .2s ease;
}
.sitemap-eintrag__link:hover .sitemap-eintrag__pfeil { transform: translateX(5px); }
.sitemap-eintrag__text {
    margin: 9px 0 0;
    font-size: 15.5px;
    line-height: 1.55;
    color: var(--text-soft);
}
.sitemap-eintrag__meta {
    margin: 11px 0 0;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 13px;
    color: var(--text-soft);
}
.sitemap-eintrag__pfad {
    font-weight: 700;
    color: var(--axa-blue);
    letter-spacing: .02em;
}

.sitemap-xml-hinweis {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    flex-wrap: wrap;
    padding: 34px 38px;
    background: var(--axa-tint);
    border-radius: var(--radius);
    border-left: 4px solid var(--axa-blue);
}
.sitemap-xml-hinweis > div { max-width: 62ch; }

/* 768px statt 720px: derselbe Zweck wie die übrigen Blöcke —
   mehrspaltig wird einspaltig. Zwei Schwellen 48px auseinander
   ließen Abschnitte auf Tablets unterschiedlich früh umbrechen. */
@media (max-width: 768px) {
    .sitemap-liste { grid-template-columns: 1fr; gap: 0; }
    .sitemap-xml-hinweis { padding: 26px 24px; }
}

/* ---------------------------------------------------------------
   SEO-Landingpages (page_type „standard")
   --------------------------------------------------------------- */
.lp-breadcrumb {
    background: var(--axa-tint);
    border-bottom: 1px solid var(--line);
    font-size: 14px;
    padding: 14px 0;
}
.lp-breadcrumb .wrap { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.lp-breadcrumb a { color: var(--axa-blue); text-decoration: none; font-weight: 600; }
.lp-breadcrumb a:hover { text-decoration: underline; }
.lp-breadcrumb span[aria-hidden] { color: var(--line-strong); }
.lp-breadcrumb [aria-current] { color: var(--text-soft); }

/* Kennzahlen */
.lp-stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
    gap: 30px 40px;
}
.lp-stat { display: flex; flex-direction: column; gap: 8px; }
.lp-stat__value {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: clamp(34px, 4vw, 50px);
    line-height: 1;
    color: var(--axa-blue);
}
.lp-stat__label { font-size: 15.5px; line-height: 1.45; color: var(--text-soft); }

/* Bausteine */
.lp-bausteine {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
    gap: 26px;
}
.lp-baustein {
    position: relative;
    display: flex;
    flex-direction: column;
    gap: 12px;
    padding: 32px 30px;
    background: #FFFFFF;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: transform .25s ease, box-shadow .25s ease;
}
.lp-baustein:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); }
.lp-baustein__badge {
    align-self: flex-start;
    padding: 5px 12px;
    border-radius: 999px;
    background: var(--axa-tint);
    color: var(--axa-blue);
    font-size: 12px; font-weight: 700;
    letter-spacing: .07em; text-transform: uppercase;
}
.lp-baustein__rule { display: block; width: 34px; height: 4px; background: var(--axa-red); }
.lp-baustein__title {
    margin: 0;
    font-family: var(--font-display);
    font-weight: 600; font-size: 21px; line-height: 1.25;
    color: var(--text);
}
.lp-baustein__text { margin: 0; font-size: 16px; line-height: 1.6; color: var(--text-soft); }
.lp-baustein__feat { margin: 4px 0 0; padding: 0; list-style: none; display: grid; gap: 8px; }
.lp-baustein__feat li {
    position: relative;
    padding-left: 22px;
    font-size: 15px; line-height: 1.5; color: var(--text-soft);
}
.lp-baustein__feat li::before {
    content: ''; position: absolute; left: 0; top: .55em;
    width: 8px; height: 8px; background: var(--axa-red);
}
.lp-baustein .link-underline { margin-top: auto; padding-top: 6px; align-self: flex-start; }

/* Autorenblock */
.lp-autor {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 34px;
    flex-wrap: wrap;
}
.lp-autor > div { max-width: 68ch; }
.lp-autor__rolle {
    margin: 0 0 12px;
    font-size: 13px; font-weight: 700;
    letter-spacing: .07em; text-transform: uppercase;
    color: var(--axa-blue);
}
.lp-autor__bio { margin: 0; font-size: 16.5px; line-height: 1.65; color: var(--text-soft); }
.lp-autor__datum { margin: 0; font-size: 14.5px; color: var(--text-soft); }

/* Nutzen-Liste und NAP im Kontaktbereich */
.lp-cta-nutzen { margin: 26px 0 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.lp-cta-nutzen li {
    display: flex; align-items: flex-start; gap: 11px;
    font-size: 16.5px; line-height: 1.5;
    color: rgba(255, 255, 255, .86);
}
.lp-cta-nutzen svg { flex: 0 0 auto; margin-top: 4px; }

.lp-nap {
    margin: 30px 0 0;
    font-style: normal;
    font-size: 15.5px; line-height: 1.7;
    color: rgba(255, 255, 255, .78);
}
.lp-nap strong { color: #FFFFFF; }

.lp-siegel {
    margin: 22px 0 0; padding: 0; list-style: none;
    display: flex; flex-wrap: wrap; gap: 10px;
}
.lp-siegel li {
    padding: 8px 16px;
    border: 1px solid rgba(255, 255, 255, .28);
    border-radius: 999px;
    background: rgba(255, 255, 255, .08);
    font-size: 13.5px;
    color: rgba(255, 255, 255, .85);
}

/* 768px statt 720px: derselbe Zweck wie die übrigen Blöcke —
   mehrspaltig wird einspaltig. Zwei Schwellen 48px auseinander
   ließen Abschnitte auf Tablets unterschiedlich früh umbrechen. */
@media (max-width: 768px) {
    .lp-bausteine { grid-template-columns: 1fr; }
    .lp-baustein { padding: 26px 22px; }
    .lp-stats { gap: 26px; }
}

/* SEO-Textblöcke der Landingpage */
.lp-seo {
    display: grid;
    grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr);
    gap: 56px;
    align-items: start;
}
.lp-seo__text > .eyebrow { margin-bottom: 18px; }
.lp-seo__lead { margin: 20px 0 0; max-width: none; }
.lp-seo__body { margin-top: 22px; }
.lp-seo__body p {
    margin: 0 0 18px;
    font-size: 17px;
    line-height: 1.72;
    color: var(--text-soft);
}
.lp-seo__body p:last-child { margin-bottom: 0; }

.lp-seo__aside { display: flex; flex-direction: column; gap: 26px; }
.lp-seo__figur { position: relative; margin: 0; }
.lp-seo__figur img { width: 100%; border-radius: var(--radius); }
.lp-seo__badge {
    position: absolute; left: 22px; bottom: 22px;
    display: flex; flex-direction: column; gap: 2px;
    padding: 14px 20px;
    background: var(--axa-blue);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-deep);
}
.lp-seo__badge strong {
    font-family: var(--font-display);
    font-size: 26px; line-height: 1; color: #FFFFFF;
}
.lp-seo__badge span {
    font-size: 12.5px; font-weight: 700;
    letter-spacing: .07em; text-transform: uppercase;
    color: #C7CEF5;
}

.lp-seo__highlights { margin: 0; padding: 0; list-style: none; display: grid; gap: 2px; }
.lp-seo__highlights li {
    display: flex; flex-direction: column; gap: 6px;
    padding: 20px 0;
    border-top: 1px solid var(--line);
}
.lp-seo__highlights li:last-child { border-bottom: 1px solid var(--line); }
.lp-seo__hl-titel {
    position: relative;
    padding-left: 26px;
    font-family: var(--font-display);
    font-weight: 600; font-size: 18px; line-height: 1.3;
    color: var(--text);
}
.lp-seo__hl-titel::before {
    content: ''; position: absolute; left: 0; top: .48em;
    width: 10px; height: 10px; background: var(--axa-red);
}
.lp-seo__hl-text {
    padding-left: 26px;
    font-size: 15.5px; line-height: 1.6; color: var(--text-soft);
}

@media (max-width: 768px) {

    /* Redaktionelle Tabellen scrollbar machen, ohne dass die Redaktion
       daran denken muss. display:block macht aus der Tabelle einen
       Block, der eigenständig seitwärts scrollt — statt die ganze
       Seite zu sprengen. Am Desktop bleibt es eine echte Tabelle. */
    .prose table { display: block; overflow-x: auto; }
    .lp-seo { grid-template-columns: 1fr; gap: 38px; }
}