/**
 * Kreditvergleich-24.de - Hauptstylesheet
 * Modernes, professionelles Design für Kreditvergleich
 * Version 3.0
 */

/* =====================================================
   CSS VARIABLEN / DESIGN TOKENS
   ===================================================== */
:root {
    /* Primärfarben - Seriöses Finanz-Blau */
    --color-primary: #0b2a4a;
    --color-primary-light: #1a4d7c;
    --color-primary-dark: #071b2f;
    
    /* Akzentfarben - Grün für Buttons/CTAs */
    --color-accent: #16a34a;
    --color-accent-light: #22c55e;
    --color-accent-dark: #15803d;
    
    /* Sekundärfarben - Hellblau */
    --color-secondary: #0ea5e9;
    --color-secondary-light: #38bdf8;
    
    /* Neutralfarben */
    --color-white: #ffffff;
    --color-gray-50: #f6f7fb;
    --color-gray-100: #eef2f7;
    --color-gray-200: #e2e8f0;
    --color-gray-300: #cbd5e0;
    --color-gray-400: #a0aec0;
    --color-gray-500: #718096;
    --color-gray-600: #4a5568;
    --color-gray-700: #2d3748;
    --color-gray-800: #1a202c;
    --color-gray-900: #171923;
    
    /* Status-Farben */
    --color-success: #16a34a;
    --color-warning: #f59e0b;
    --color-error: #dc2626;
    --color-info: #2563eb;
    
    /* Typografie */
    --font-primary: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-heading: 'Montserrat', 'Source Sans 3', sans-serif;
    
    /* Font Sizes */
    --text-xs: 0.75rem;
    --text-sm: 0.875rem;
    --text-base: 1rem;
    --text-lg: 1.125rem;
    --text-xl: 1.25rem;
    --text-2xl: 1.5rem;
    --text-3xl: 1.875rem;
    --text-4xl: 2.25rem;
    --text-5xl: 3rem;
    
    /* Abstände */
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    
    /* Schatten */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.1), 0 1px 2px 0 rgba(0, 0, 0, 0.06);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    
    /* Radien */
    --radius-sm: 0.25rem;
    --radius: 0.375rem;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 22px;
    --radius-full: 9999px;
    
    /* Übergänge */
    --transition-fast: 150ms ease;
    --transition-base: 200ms ease;
    --transition-slow: 300ms ease;
    
    /* Container */
    --container-max: 1200px;
    --container-padding: var(--space-3);
}

@media (min-width: 768px) {
    :root {
        --container-padding: var(--space-4);
    }
}

/* =====================================================
   RESET & BASIS
   ===================================================== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    font-size: 16px;
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-primary);
    font-size: var(--text-base);
    line-height: 1.6;
    color: var(--color-gray-700);
    background-color: var(--color-gray-50);
}

/* =====================================================
   TYPOGRAFIE
   ===================================================== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 600;
    line-height: 1.3;
    color: var(--color-gray-800);
    margin-bottom: var(--space-4);
}

h1 { font-size: var(--text-4xl); }
h2 { font-size: var(--text-3xl); }
h3 { font-size: var(--text-2xl); }
h4 { font-size: var(--text-xl); }
h5 { font-size: var(--text-lg); }
h6 { font-size: var(--text-base); }

p {
    margin-bottom: var(--space-4);
}

a {
    color: var(--color-primary);
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-underline-offset: 2px;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--color-primary-light);
    text-decoration-thickness: 2px;
}

/* Links in Navigation ohne Unterstreichung */
.header__nav-link,
.mobile-nav__link,
.footer__list a,
.footer__credit-link,
.footer__legal a,
.breadcrumb__link,
.sidebar-nav__link {
    text-decoration: none;
}

.header__nav-link:hover,
.mobile-nav__link:hover,
.footer__list a:hover,
.footer__credit-link:hover,
.footer__legal a:hover,
.breadcrumb__link:hover,
.sidebar-nav__link:hover {
    text-decoration: underline;
}

strong, b {
    font-weight: 600;
}

/* =====================================================
   LAYOUT
   ===================================================== */
.container {
    width: 100%;
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-padding);
}

.section {
    padding: var(--space-20) 0;
}


.section--white {
    background-color: var(--color-white);
}

.section--gray {
    background-color: var(--color-gray-50);
}

.section--primary {
    background-color: var(--color-primary);
    color: var(--color-white);
}

/* =====================================================
   HEADER
   ===================================================== */
.header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.86);
    backdrop-filter: saturate(180%) blur(10px);
    border-bottom: 1px solid rgba(15, 23, 42, 0.08);
    box-shadow: 0 10px 28px rgba(15, 23, 42, 0.06);
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 74px;
}

.header__logo {
    display: flex;
    align-items: center;
}

.header__logo img {
    height: 45px;
    width: auto;
}

.header__nav {
    display: none;
}

@media (min-width: 520px) and (max-width: 767px) {
    .credit-form__grid {
        grid-template-columns: 1fr 1fr;
        gap: var(--space-2);
    }
}

@media (min-width: 768px) {
    .header__nav {
        display: flex;
        align-items: center;
        gap: var(--space-1);
    }
}

.header__nav-link {
    padding: var(--space-2) var(--space-4);
    font-weight: 500;
    color: var(--color-gray-700);
    border-radius: var(--radius);
    transition: all var(--transition-fast);
}

.header__nav-link:hover,
.header__nav-link--active {
    background-color: var(--color-primary);
    color: var(--color-white);
}

.header__hotline {
    display: none;
    align-items: center;
    gap: var(--space-1);
    padding: var(--space-2) var(--space-4);
    background-color: var(--color-accent);
    color: var(--color-white);
    border-radius: var(--radius);
    font-weight: 600;
    font-size: var(--text-sm);
    flex-direction: column;
    text-align: center;
    text-decoration: none;
}

.header__hotline-main {
    display: flex;
    align-items: center;
    gap: var(--space-2);
}

.header__hotline-powered {
    font-size: 10px;
    font-weight: 400;
    color: #ffffff;
}

@media (min-width: 1024px) {
    .header__hotline {
        display: flex;
    }
}

.header__hotline:hover {
    background-color: var(--color-accent-dark);
    color: var(--color-white);
}

.header__mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--color-gray-700);
}

@media (min-width: 768px) {
    .header__mobile-toggle {
        display: none;
    }
}

/* Mobile Navigation */
.mobile-nav {
    display: none;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--color-white);
    z-index: 999;
    padding: var(--space-4);
    overflow-y: auto;
}

.mobile-nav--open {
    display: block;
}

.mobile-nav__link {
    display: block;
    padding: var(--space-4);
    border-bottom: 1px solid var(--color-gray-200);
    font-weight: 500;
    color: var(--color-gray-700);
}

.mobile-nav__link:hover {
    background-color: var(--color-gray-50);
}

/* =====================================================
   HERO SECTION
   ===================================================== */
.hero {
    background: radial-gradient(1100px circle at 20% 10%, rgba(255,255,255,0.10), transparent 45%), linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
color: var(--color-white);
    padding: var(--space-12) 0 var(--space-20);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(900px circle at 80% 20%, rgba(249,115,22,0.18), transparent 55%), radial-gradient(700px circle at 20% 90%, rgba(37,99,235,0.16), transparent 60%);
    opacity: 1;
}


.hero__content {
    position: relative;
    z-index: 1;
    text-align: center;
    max-width: 700px;
    margin: 0 auto var(--space-8);
}

.hero__title {
    font-size: var(--text-4xl);
    font-weight: 800;
    margin-bottom: var(--space-4);
    color: var(--color-white);
    letter-spacing: -0.02em;
}


@media (min-width: 768px) {
    .hero__title {
        font-size: var(--text-5xl);
    }
}

.hero__subtitle {
    font-size: var(--text-lg);
    color: rgba(255,255,255,0.86);
    line-height: 1.65;
    margin-bottom: var(--space-6);
}


/* Trust Badges im Hero */
.hero__badges {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-4);
}

.hero__badge {
    display: flex;
    align-items: center;
    gap: var(--space-2);
    font-size: var(--text-sm);
    font-weight: 500;
}

.hero__badge-icon {
    width: 20px;
    height: 20px;
    background-color: var(--color-accent);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    font-size: 12px;
}

/* =====================================================
   KREDITFORMULAR (Hero-Form)
   ===================================================== */
.credit-form {
    background: rgba(255, 255, 255, 0.92);
    border-radius: var(--radius-xl);
    padding: var(--space-3);
    position: relative;
    z-index: 10;
    max-width: 1320px;
    margin: 0 auto;
    border: 1px solid rgba(15, 23, 42, 0.10);
    box-shadow: 0 18px 50px rgba(15, 23, 42, 0.10);
    overflow: hidden;
}



.credit-form::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(900px circle at 10% 10%, rgba(37,99,235,0.10), transparent 50%), radial-gradient(900px circle at 90% 90%, rgba(249,115,22,0.10), transparent 55%);
    pointer-events: none;
}


.credit-form::after {
    content: '';
    position: absolute;
    top: 5px;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent 0%, rgba(255,255,255,0.8) 50%, transparent 100%);
}

@media (max-width: 767px) {
    .credit-form {
        padding: var(--space-3);
        padding-top: calc(var(--space-3) + 8px);
        border-radius: var(--radius-md);
        margin-left: calc(-1 * var(--space-1));
        margin-right: calc(-1 * var(--space-1));
        width: calc(100% + var(--space-2));
    }
    
    .credit-form::before {
        border-radius: var(--radius-md) var(--radius-md) 0 0;
    }
}

.credit-form__grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-2);
}

@media (min-width: 768px) {
    .credit-form__grid {
        grid-template-columns: repeat(4, 1fr);
        gap: var(--space-2);
    }
}


.credit-form__group {
    display: flex;
    flex-direction: column;
}

.credit-form__group--submit {
    justify-content: flex-end;
}

.credit-form__label {
    font-size: 13px;
    font-weight: 700;
    color: var(--color-gray-800);
    margin-bottom: 2px;
}


.credit-form__select {
    width: 100%;
    padding: 8px 12px;
    font-size: 14px;
    border: 1px solid rgba(15, 23, 42, 0.16);
    border-radius: var(--radius-md);
    background-color: #ffffff;
    color: var(--color-gray-800);
    cursor: pointer;
    transition: box-shadow var(--transition-fast), border-color var(--transition-fast), transform var(--transition-fast);
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='%230b2a4a' d='M0 0l5 6 5-6z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 36px;
}

.credit-form__select:focus {
    outline: none;
    border-color: rgba(37, 99, 235, 0.65);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.16);
}


.credit-form__select:hover {
    border-color: var(--color-primary);
    background-color: #ffffff;
}

.credit-form__select:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26, 54, 93, 0.15);
    background-color: #ffffff;
}

.credit-form__submit {
    width: 100%;
    padding: 10px 14px;
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
    color: var(--color-white);
    font-size: 14px;
    font-weight: 800;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast), filter var(--transition-fast);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    box-shadow: 0 14px 36px rgba(22, 163, 74, 0.28);
}


.credit-form__submit:hover {
    transform: translateY(-1px);
    filter: brightness(1.02);
    box-shadow: 0 18px 44px rgba(22, 163, 74, 0.34);
}


.credit-form__submit:active {
    transform: translateY(0);
    box-shadow: 0 10px 26px rgba(22, 163, 74, 0.28);
}


.credit-form__disclosure {
    text-align: center;
    font-size: 11px;
    color: var(--color-gray-500);
    margin-top: var(--space-2);
    padding-top: 6px;
    border-top: 1px solid rgba(26, 54, 93, 0.1);
    line-height: 1.4;
    padding-bottom: 6px;
}

/* Unterseiten: nach dem "powered by" Hinweis etwas mehr Luft, damit es nicht klebt */
.credit-form--inner .credit-form__disclosure {
    padding-bottom: 14px;
    margin-bottom: var(--space-6);
}


.credit-form__powered {
    position: absolute;
    top: var(--space-4);
    right: var(--space-6);
    display: flex;
    align-items: center;
    gap: var(--space-1);
}

@media (max-width: 767px) {
    .credit-form__powered {
        position: relative;
        top: 0;
        right: 0;
        justify-content: center;
        margin-bottom: var(--space-4);
}
}

.credit-form__powered-text {
    font-size: 10px;
    color: var(--color-gray-500);
}

.credit-form--inner .credit-form__powered {
    margin-bottom: var(--space-4);
}

.credit-form__powered-logo {
    height: 14px;
    width: auto;
}

/* Optionaler Slider (Details) */
.credit-form__more {
    margin-top: 10px;
    border-top: 1px solid rgba(26, 54, 93, 0.08);
    padding-top: 10px;
}

.credit-form__more-summary {
    cursor: pointer;
    font-size: 12px;
    color: var(--color-gray-600);
    user-select: none;
    display: inline-flex;
    gap: 8px;
    align-items: center;
}

.credit-form__more-summary::marker { content: ""; }
.credit-form__more-summary::-webkit-details-marker { display: none; }

.credit-form__more-summary:after {
    content: "▾";
    font-size: 12px;
    opacity: 0.9;
}

.credit-form__more[open] .credit-form__more-summary:after {
    content: "▴";
}

/* Schieberegler für Kreditsumme */
.credit-form__slider {
    margin-top: 10px;
    padding-top: 8px;
    border-top: 1px solid rgba(26, 54, 93, 0.1);
}

.credit-form__slider-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12px;
    color: var(--color-gray-600);
    margin-bottom: 8px;
}

.credit-form__slider-value {
    font-weight: 700;
    color: var(--color-primary);
    font-size: var(--text-base);
}

.credit-form__range {
    width: 100%;
    height: 6px;
    border-radius: 4px;
    background: linear-gradient(90deg, var(--color-gray-200) 0%, var(--color-gray-300) 100%);
    outline: none;
    appearance: none;
    cursor: pointer;
}

.credit-form__range::-webkit-slider-thumb {
    appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--color-accent) 0%, #2f855a 100%);
    cursor: pointer;
    border: 2px solid #ffffff;
    box-shadow: 0 2px 8px rgba(56, 161, 105, 0.4);
    transition: all var(--transition-fast);
}

.credit-form__range::-webkit-slider-thumb:hover {
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(56, 161, 105, 0.5);
}

.credit-form__range::-moz-range-thumb {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--color-accent) 0%, #2f855a 100%);
    cursor: pointer;
    border: 2px solid #ffffff;
    box-shadow: 0 2px 8px rgba(56, 161, 105, 0.4);
}

.credit-form__slider-range {
    display: flex;
    justify-content: space-between;
    font-size: var(--text-xs);
    color: var(--color-gray-400);
    margin-top: var(--space-2);
}

/* Startseite: Slider immer sichtbar, extra kompakt */
.credit-form__slider--always {
    border-top: 1px solid rgba(26, 54, 93, 0.10);
    margin-top: 10px;
    padding-top: 8px;
}
.credit-form--home .credit-form__slider--always {
    border-top: none;
    margin-top: 8px;
    padding-top: 0;
}

/* =====================================================
   BREADCRUMBS
   ===================================================== */
.breadcrumbs {
    padding: var(--space-4) 0;
    background-color: var(--color-white);
    border-bottom: 1px solid var(--color-gray-200);
}

.breadcrumbs__list {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: var(--space-2);
    list-style: none;
    font-size: var(--text-sm);
}

.breadcrumbs__item {
    display: flex;
    align-items: center;
    gap: var(--space-2);
}

.breadcrumbs__item::after {
    content: '›';
    color: var(--color-gray-400);
}

.breadcrumbs__item:last-child::after {
    display: none;
}

.breadcrumbs__link {
    color: var(--color-gray-600);
}

.breadcrumbs__link:hover {
    color: var(--color-primary);
}

.breadcrumbs__current {
    color: var(--color-gray-800);
    font-weight: 500;
}

/* =====================================================
   CONTENT LAYOUT (2-Spaltig mit Sidebar)
   ===================================================== */
.content-layout,
.content-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-8);
}

@media (min-width: 1024px) {
    .content-layout {
        grid-template-columns: 1fr 280px;
    }
    
    .content-grid {
        grid-template-columns: 1fr 320px;
    }
}

.content-main {
    min-width: 0;
}

.content-sidebar {
    display: none;
}

@media (min-width: 1024px) {
    .content-sidebar {
        display: block;
    }
}

/* Sidebar Navigation */
.sidebar-nav {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    overflow: hidden;
    position: sticky;
    top: 90px;
    margin-bottom: var(--space-6);
}

.sidebar-nav__title {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-4);
    font-size: var(--text-base);
    font-weight: 600;
    margin: 0;
}

.sidebar-nav__list {
    list-style: none;
}

.sidebar-nav__link {
    display: block;
    padding: var(--space-3) var(--space-4);
    color: var(--color-gray-700);
    border-bottom: 1px solid var(--color-gray-100);
    font-size: var(--text-sm);
    transition: all var(--transition-fast);
    text-decoration: none;
}

.sidebar-nav__link strong {
    display: block;
    color: var(--color-gray-800);
    font-weight: 600;
    margin-bottom: 2px;
}

.sidebar-nav__link span {
    display: block;
    font-size: var(--text-xs);
    color: var(--color-gray-500);
}

.sidebar-nav__link:hover,
.sidebar-nav__link--active {
    background-color: var(--color-gray-50);
    padding-left: var(--space-5);
}

.sidebar-nav__link:hover strong,
.sidebar-nav__link--active strong {
    color: var(--color-primary);
}

/* Sidebar Box */
.sidebar-box {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    overflow: hidden;
    margin-bottom: var(--space-6);
}

.sidebar-box--highlight {
    border: 2px solid var(--color-primary);
}

.sidebar-box--info {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
}

.sidebar-box__title {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-3) var(--space-4);
    font-size: var(--text-sm);
    font-weight: 600;
    margin: 0;
}

.sidebar-box--info .sidebar-box__title {
    background: var(--color-gray-200);
    color: var(--color-gray-700);
}

.sidebar-box__text {
    padding: var(--space-4);
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    line-height: 1.6;
    margin: 0;
}

.sidebar-box__list {
    list-style: none;
    padding: var(--space-3) var(--space-4);
}

.sidebar-box__list li {
    padding: var(--space-2) 0;
    border-bottom: 1px solid var(--color-gray-100);
}

.sidebar-box__list li:last-child {
    border-bottom: none;
}

.sidebar-box__list a {
    color: var(--color-gray-700);
    font-size: var(--text-sm);
    text-decoration: none;
    transition: color var(--transition-fast);
}

.sidebar-box__list a:hover {
    color: var(--color-primary);
}

/* Sidebar Links */
.sidebar-links {
    display: flex;
    flex-direction: column;
}

.sidebar-link {
    display: block;
    padding: var(--space-3) var(--space-4);
    border-bottom: 1px solid var(--color-gray-100);
    text-decoration: none;
    transition: background-color var(--transition-fast);
}

.sidebar-link:last-child {
    border-bottom: none;
}

.sidebar-link:hover {
    background-color: var(--color-gray-50);
}

.sidebar-link__title {
    display: block;
    font-weight: 600;
    color: var(--color-gray-800);
    font-size: var(--text-sm);
    margin-bottom: 2px;
}

.sidebar-link:hover .sidebar-link__title {
    color: var(--color-primary);
}

.sidebar-link__desc {
    display: block;
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    line-height: 1.4;
}

/* Sidebar Kredite */
.sidebar-kredite {
    display: flex;
    flex-direction: column;
}

.sidebar-kredit {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-3) var(--space-4);
    border-bottom: 1px solid var(--color-gray-100);
    text-decoration: none;
    transition: background-color var(--transition-fast);
}

.sidebar-kredit:last-child {
    border-bottom: none;
}

.sidebar-kredit:hover {
    background-color: var(--color-gray-50);
}

.sidebar-kredit__amount {
    font-weight: 700;
    color: var(--color-gray-800);
    font-size: var(--text-base);
}

.sidebar-kredit__cta {
    font-size: var(--text-xs);
    color: var(--color-accent);
    font-weight: 600;
}

/* =====================================================
   BUBBLE POINTS / USP CARDS
   ===================================================== */
.usp-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-6);
}

@media (min-width: 768px) {
    .usp-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.usp-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    border: 1px solid rgba(15, 23, 42, 0.08);
    box-shadow: 0 10px 28px rgba(15, 23, 42, 0.06);
    transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.usp-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 34px rgba(15, 23, 42, 0.10);
}


.usp-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.usp-card__icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-4);
    color: var(--color-white);
    font-size: 28px;
}

.usp-card__title {
    font-size: var(--text-xl);
    margin-bottom: var(--space-3);
}

.usp-card__text {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    margin-bottom: var(--space-4);
}

.usp-card__list {
    list-style: none;
    text-align: left;
}

.usp-card__list li {
    padding: var(--space-2) 0;
    padding-left: var(--space-6);
    position: relative;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
}

.usp-card__list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--color-accent);
    font-weight: bold;
}

/* =====================================================
   BANKEN TRUST SECTION
   ===================================================== */
.bank-logos {
    padding: var(--space-12) 0;
    background: var(--color-white);
}

.bank-logos__title {
    text-align: center;
    margin-bottom: var(--space-8);
    color: var(--color-gray-600);
    font-size: var(--text-lg);
}

.bank-logos__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
    align-items: center;
    justify-items: center;
}

@media (min-width: 768px) {
    .bank-logos__grid {
        grid-template-columns: repeat(6, 1fr);
    }
}

.bank-logos__item {
    opacity: 0.7;
    transition: opacity var(--transition-fast);
    max-width: 100px;
}

.bank-logos__item:hover {
    opacity: 1;
}

.bank-logos__item img {
    max-width: 100%;
    height: auto;
    filter: grayscale(100%);
    transition: filter var(--transition-fast);
}

.bank-logos__item:hover img {
    filter: grayscale(0%);
}

/* =====================================================
   FAQ ACCORDION
   ===================================================== */
.faq {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    overflow: hidden;
}

.faq__item {
    border-bottom: 1px solid var(--color-gray-200);
}

.faq__item:last-child {
    border-bottom: none;
}

.faq__question {
    width: 100%;
    padding: var(--space-5) var(--space-6);
    background: none;
    border: none;
    text-align: left;
    font-size: var(--text-base);
    font-weight: 600;
    color: var(--color-gray-800);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--space-4);
    transition: background-color var(--transition-fast);
}

.faq__question:hover {
    background-color: var(--color-gray-50);
}

.faq__icon {
    width: 24px;
    height: 24px;
    flex-shrink: 0;
    transition: transform var(--transition-base);
}

.faq__item--open .faq__icon {
    transform: rotate(180deg);
}

.faq__answer {
    display: none;
    padding: 0 var(--space-6) var(--space-5);
    color: var(--color-gray-600);
    line-height: 1.7;
}

.faq__item--open .faq__answer {
    display: block;
}

/* =====================================================
   HOWTO STEPS
   ===================================================== */
.howto {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-8);
    box-shadow: var(--shadow);
}

.howto__title {
    text-align: center;
    margin-bottom: var(--space-8);
}

.howto__steps {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-6);
}

@media (min-width: 768px) {
    .howto__steps {
        grid-template-columns: repeat(3, 1fr);
    }
}

.howto__step {
    text-align: center;
    position: relative;
}

.howto__number {
    width: 48px;
    height: 48px;
    background: var(--color-primary);
    color: var(--color-white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-xl);
    font-weight: 700;
    margin: 0 auto var(--space-4);
}

.howto__step-title {
    font-size: var(--text-lg);
    margin-bottom: var(--space-2);
}

.howto__step-text {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
}

/* =====================================================
   CTA BUTTONS
   ===================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    padding: var(--space-3) var(--space-6);
    font-size: var(--text-base);
    font-weight: 600;
    border-radius: var(--radius-md);
    border: none;
    cursor: pointer;
    transition: all var(--transition-fast);
    text-decoration: none;
}

.btn--primary {
    background: var(--color-primary);
    color: var(--color-white);
}

.btn--primary:hover {
    background: var(--color-primary-light);
    color: var(--color-white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn--accent {
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
    color: var(--color-white);
}

.btn--accent:hover {
    color: var(--color-white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn--outline {
    background: transparent;
    color: var(--color-primary);
    border: 2px solid var(--color-primary);
}

.btn--outline:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

.btn--lg {
    padding: var(--space-4) var(--space-8);
    font-size: var(--text-lg);
}

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

/* =====================================================
   CTA SECTION
   ===================================================== */
.cta-section {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    padding: var(--space-12) 0;
    text-align: center;
}

.cta-section__title {
    color: var(--color-white);
    margin-bottom: var(--space-4);
}

.cta-section__text {
    font-size: var(--text-lg);
    opacity: 0.9;
    margin-bottom: var(--space-6);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* =====================================================
   PARTNER HINWEIS (statt Banken-Logos)
   ===================================================== */
.partner-hinweis {
    padding: var(--space-8) 0;
    background: var(--color-gray-100);
    border-top: 1px solid var(--color-gray-200);
    border-bottom: 1px solid var(--color-gray-200);
}

.partner-hinweis__text {
    text-align: center;
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin: 0;
}

/* =====================================================
   SMAVA IFRAME CONTAINER - AKTUALISIERT
   ===================================================== */
.smava-frame {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    margin: var(--space-8) 0;
}

@media (max-width: 767px) {
    .smava-frame {
        border-radius: var(--radius-md);
        margin-left: calc(-1 * var(--container-padding));
        margin-right: calc(-1 * var(--container-padding));
        width: calc(100% + 2 * var(--container-padding));
    }
}

.smava-frame__header {
    background: var(--color-primary);
    padding: var(--space-4) var(--space-6);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

@media (max-width: 767px) {
    .smava-frame__header {
        padding: var(--space-3) var(--space-4);
    }
}

.smava-frame__title {
    font-weight: 600;
    margin: 0;
    color: #ffffff;
}

.smava-frame__badge {
    background: rgba(255,255,255,0.2);
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius);
    font-size: var(--text-xs);
    color: #ffffff;
}

.smava-frame__content {
    min-height: 600px;
}

.smava-frame__content iframe {
    width: 100% !important;
    max-width: 100% !important;
    height: 100%;
    min-height: 600px;
    border: none;
}

.smava-frame__disclosure {
    padding: var(--space-3) var(--space-6);
    background: var(--color-gray-50);
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    text-align: center;
}

@media (max-width: 767px) {
    .smava-frame__disclosure {
        padding: var(--space-3) var(--space-4);
    }
}

/* =====================================================
   CONTENT ARTIKEL
   ===================================================== */
.article {
    background: rgba(255, 255, 255, 0.95);
    border-radius: var(--radius-xl);
    padding: var(--space-10);
    border: 1px solid rgba(15, 23, 42, 0.08);
    box-shadow: 0 18px 50px rgba(15, 23, 42, 0.08);
}

@media (max-width: 767px) {
    .article {
        padding: var(--space-5);
        border-radius: var(--radius-md);
    }
}


.article h2 {
    margin-top: var(--space-8);
    padding-top: var(--space-6);
    border-top: 1px solid var(--color-gray-200);
}

.article h2:first-child {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.article h3 {
    margin-top: var(--space-6);
}

.article p {
    color: var(--color-gray-700);
    line-height: 1.8;
}

.article ul, .article ol {
    margin-bottom: var(--space-4);
    padding-left: var(--space-6);
}

.article li {
    margin-bottom: var(--space-2);
    line-height: 1.7;
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
    background: linear-gradient(180deg, #071b2f 0%, #041525 100%);
    color: rgba(226, 232, 240, 0.78);
    padding: var(--space-12) 0 var(--space-6);
    border-top: 1px solid rgba(255,255,255,0.06);
}


/* Kreditsummen Grid */
.footer__credits {
    margin-bottom: var(--space-8);
    padding-bottom: var(--space-8);
    border-bottom: 1px solid var(--color-gray-700);
}

.footer__section-title {
    color: var(--color-white);
    font-size: var(--text-sm);
    font-weight: 600;
    margin-bottom: var(--space-4);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.footer__credits-grid {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-2);
}

.footer__credit-link {
    display: inline-block;
    padding: var(--space-1) var(--space-3);
    background: var(--color-gray-800);
    color: #d1d5db;
    font-size: var(--text-xs);
    border-radius: var(--radius);
    transition: all var(--transition-fast);
}

.footer__credit-link:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

/* Footer Main Grid */
.footer__main {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-8);
    margin-bottom: var(--space-8);
}

@media (min-width: 768px) {
    .footer__main {
        grid-template-columns: repeat(4, 1fr);
    }
}

.footer__col-title {
    color: var(--color-white);
    font-size: var(--text-sm);
    font-weight: 600;
    margin-bottom: var(--space-3);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer__col-title--mt {
    margin-top: var(--space-6);
}

.footer__list {
    list-style: none;
}

.footer__list li {
    margin-bottom: var(--space-2);
}

.footer__list a {
    color: #d1d5db;
    font-size: var(--text-sm);
    transition: color var(--transition-fast);
}

.footer__list a:hover {
    color: var(--color-white);
}

.footer__phone {
    font-weight: 600;
    color: var(--color-accent) !important;
}

.footer__hours {
    font-size: var(--text-xs);
    color: #d1d5db;
}

.footer__partner {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
}

.footer__partner-text {
    font-size: var(--text-xs);
    color: #d1d5db;
    line-height: 1.5;
}

.footer__bottom {
    border-top: 1px solid var(--color-gray-700);
    padding-top: var(--space-6);
    display: flex;
    flex-direction: column;
    gap: var(--space-4);
    text-align: center;
}

@media (min-width: 768px) {
    .footer__bottom {
        flex-direction: row;
        justify-content: space-between;
        text-align: left;
    }
}

.footer__copyright {
    font-size: var(--text-sm);
}

.footer__legal {
    display: flex;
    gap: var(--space-2);
    align-items: center;
    font-size: var(--text-sm);
}

.footer__divider {
    color: var(--color-gray-600);
}

.footer__legal a {
    color: var(--color-gray-400);
}

.footer__legal a:hover {
    color: var(--color-white);
}

/* =====================================================
   UTILITIES
   ===================================================== */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.mb-0 { margin-bottom: 0; }
.mb-4 { margin-bottom: var(--space-4); }
.mb-8 { margin-bottom: var(--space-8); }

.mt-0 { margin-top: 0; }
.mt-4 { margin-top: var(--space-4); }
.mt-8 { margin-top: var(--space-8); }

.hidden { display: none; }

@media (max-width: 767px) {
    .hidden-mobile { display: none; }
}

@media (min-width: 768px) {
    .hidden-desktop { display: none; }
}

/* =====================================================
   COOKIE CONSENT OVERRIDE
   ===================================================== */
.cc-window {
    font-family: var(--font-primary) !important;
}

.cc-btn {
    border-radius: var(--radius) !important;
}

/* =====================================================
   PARTNER FRAME (universell für alle Partner)
   ===================================================== */
.partner-frame {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    margin: var(--space-8) 0;
}

@media (max-width: 767px) {
    .partner-frame {
        border-radius: var(--radius-md);
        margin-left: calc(-1 * var(--container-padding));
        margin-right: calc(-1 * var(--container-padding));
        width: calc(100% + 2 * var(--container-padding));
    }
}

.partner-frame__header {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    padding: var(--space-4) var(--space-6);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

@media (max-width: 767px) {
    .partner-frame__header {
        padding: var(--space-3) var(--space-4);
    }
}

.partner-frame__title {
    color: #ffffff;
    font-size: var(--text-lg);
    font-weight: 600;
}

.partner-frame__badge {
    color: #ffffff;
    font-size: var(--text-sm);
    opacity: 0.9;
}

.partner-frame__content {
    min-height: 400px;
    position: relative;
}

.partner-frame__content iframe {
    width: 100% !important;
    max-width: 100% !important;
}

.partner-frame__disclosure {
    padding: var(--space-4) var(--space-6);
    padding-bottom: var(--space-8);
    background: var(--color-gray-50);
    font-size: var(--text-xs);
    color: var(--color-gray-600);
    text-align: center;
    border-top: 1px solid var(--color-gray-200);
}

@media (max-width: 767px) {
    .partner-frame__disclosure {
        padding: var(--space-3) var(--space-4);
        padding-bottom: var(--space-6);
    }
}

/* =====================================================
   PARTNER CONSENT OVERLAY
   ===================================================== */
.partner-consent {
    padding: var(--space-12) var(--space-6);
    display: flex;
    justify-content: center;
    align-items: center;
    min-height: 500px;
    background: linear-gradient(180deg, var(--color-gray-50) 0%, var(--color-white) 100%);
}

.partner-consent__inner {
    max-width: 500px;
    text-align: center;
}

.partner-consent__logo {
    margin-bottom: var(--space-6);
}

.partner-consent__logo img {
    max-width: 180px;
    height: auto;
}

.partner-consent__headline {
    font-size: var(--text-2xl);
    color: var(--color-primary);
    margin-bottom: var(--space-4);
}

.partner-consent__text {
    font-size: var(--text-base);
    color: var(--color-gray-600);
    line-height: 1.7;
    margin-bottom: var(--space-6);
}

.partner-consent__checkbox {
    margin-bottom: var(--space-6);
    text-align: left;
    background: var(--color-white);
    padding: var(--space-4);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-gray-200);
}

.partner-consent__checkbox label {
    display: flex;
    align-items: flex-start;
    gap: var(--space-3);
    cursor: pointer;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
    line-height: 1.5;
}

.partner-consent__checkbox input[type="checkbox"] {
    width: 20px;
    height: 20px;
    margin-top: 2px;
    flex-shrink: 0;
    accent-color: var(--color-accent);
}

.partner-consent__checkbox a {
    color: var(--color-primary);
    text-decoration: underline;
}

.partner-consent__checkbox a:hover {
    color: var(--color-primary-light);
}

.partner-consent__button {
    width: 100%;
    max-width: 300px;
}

.partner-consent__button:disabled {
    opacity: 0.5;
    cursor: not-allowed;
    transform: none !important;
}

.partner-consent__button:disabled:hover {
    box-shadow: none;
}

/* =====================================================
   COOKIE CONSENT BANNER
   ===================================================== */
.cookie-banner {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--color-gray-900);
    color: #ffffff;
    padding: var(--space-4) var(--space-6);
    z-index: 9998;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.2);
}

.cookie-banner--visible {
    display: block;
}

.cookie-banner__content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: var(--space-4);
}

.cookie-banner__text {
    flex: 1;
    min-width: 280px;
}

.cookie-banner__text strong {
    display: block;
    margin-bottom: var(--space-1);
    font-size: var(--text-base);
}

.cookie-banner__text p {
    font-size: var(--text-sm);
    color: var(--color-gray-300);
    margin: 0;
    line-height: 1.5;
}

.cookie-banner__actions {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    flex-shrink: 0;
}

.cookie-banner__btn {
    padding: var(--space-3) var(--space-6);
    border-radius: var(--radius);
    font-weight: 600;
    font-size: var(--text-sm);
    cursor: pointer;
    border: none;
    transition: all var(--transition-fast);
}

.cookie-banner__btn--accept {
    background: var(--color-accent);
    color: #ffffff;
}

.cookie-banner__btn--accept:hover {
    background: var(--color-accent-light);
}

.cookie-banner__link {
    color: var(--color-gray-300);
    font-size: var(--text-sm);
    text-decoration: underline;
}

.cookie-banner__link:hover {
    color: #ffffff;
}

@media (max-width: 767px) {
    .cookie-banner__content {
        flex-direction: column;
        text-align: center;
    }
    
    .cookie-banner__actions {
        width: 100%;
        justify-content: center;
    }
}

/* =====================================================
   PARTNER CONSENT POPUP
   ===================================================== */
.consent-popup {
    display: none;
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 50;
    padding: var(--space-6);
}

.consent-popup--visible {
    display: flex;
    align-items: flex-start;
    justify-content: center;
}

.consent-popup__overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(15, 23, 42, 0.58);
    backdrop-filter: blur(3px);
}

.consent-popup__modal {
    position: relative;
    z-index: 1;
    background: #ffffff;
    border-radius: var(--radius-xl);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    max-width: 520px;
    width: calc(100% - 16px);
    margin: 12px auto 0;
    max-height: 80vh;
    overflow-y: auto;
}

.consent-popup__content {
    padding: var(--space-8);
    text-align: center;
}

.consent-popup__logo {
    margin-bottom: var(--space-6);
}

.consent-popup__logo img {
    max-width: 160px;
    height: auto;
}

.consent-popup__checkbox {
    margin-bottom: var(--space-6);
    text-align: left;
    background: var(--color-gray-50);
    padding: var(--space-4);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-gray-200);
}

.consent-popup__checkbox label {
    display: flex;
    align-items: flex-start;
    gap: var(--space-3);
    cursor: pointer;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
    line-height: 1.6;
}

.consent-popup__checkbox input[type="checkbox"] {
    width: 20px;
    height: 20px;
    margin-top: 2px;
    flex-shrink: 0;
    accent-color: var(--color-accent);
}

.consent-popup__checkbox a {
    color: var(--color-primary);
    text-decoration: underline;
}

.consent-popup__checkbox a:hover {
    color: var(--color-primary-light);
}

.consent-popup__button {
    width: 100%;
}

.consent-popup__dismiss,
.consent-popup__cancel {
    width: 100%;
    margin-top: var(--space-3);
}

.consent-popup__button:disabled {
    opacity: 0.5;
    cursor: not-allowed;
    transform: none !important;
}

.consent-popup__hint {
    margin: var(--space-3) 0 0;
    font-size: 12px;
    color: var(--color-gray-500);
    line-height: 1.5;
}


/* Partner Frame Placeholder */
.partner-frame__placeholder {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 400px;
    text-align: center;
    padding: var(--space-8);
    color: var(--color-gray-500);
}

/* =====================================================
   HOMEPAGE SECTIONS
   ===================================================== */

/* Hero Section */
.hero-section {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    padding: var(--space-12) 0 var(--space-16);
}

.hero-section .container {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-8);
    align-items: start;
}

@media (min-width: 1024px) {
    .hero-section .container {
        grid-template-columns: 1fr 1fr;
        gap: var(--space-12);
    }
}

.hero-content {
    padding-top: var(--space-4);
}

.hero-title {
    font-size: var(--text-4xl);
    color: var(--color-white);
    margin-bottom: var(--space-4);
    line-height: 1.2;
}

@media (min-width: 768px) {
    .hero-title {
        font-size: var(--text-5xl);
    }
}

.hero-subtitle {
    font-size: var(--text-lg);
    opacity: 0.9;
    margin-bottom: var(--space-6);
    line-height: 1.7;
}

.hero-usps {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
}

@media (min-width: 600px) {
    .hero-usps {
        flex-direction: row;
        flex-wrap: wrap;
        gap: var(--space-4);
    }
}

.hero-usp {
    display: flex;
    align-items: center;
    gap: var(--space-2);
    font-size: var(--text-sm);
    font-weight: 600;
}

.hero-usp svg {
    width: 20px;
    height: 20px;
    color: var(--color-accent);
}

/* Hero Illustration */
.hero-illustration {
    margin-top: var(--space-8);
}

.hero-illustration svg {
    width: 100%;
    max-width: 400px;
    height: auto;
}

@media (min-width: 1024px) {
    .hero-illustration {
        margin-top: var(--space-12);
    }
}

.hero-form-wrapper {
    background: linear-gradient(145deg, #f8fafc 0%, #e2e8f0 100%);
    border-radius: var(--radius-xl);
    box-shadow: 
        0 25px 50px -12px rgba(0, 0, 0, 0.25),
        0 0 0 1px rgba(255, 255, 255, 0.1),
        inset 0 1px 0 rgba(255, 255, 255, 0.5);
    overflow: visible;
    border: 2px solid var(--color-secondary);
    position: relative;
}

.hero-form-wrapper::before {
    content: 'Kreditvergleich starten';
    position: absolute;
    top: 0;
    left: 50%;
    transform: translate(-50%, -50%);
    background: var(--color-accent);
    color: white;
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: 700;
    white-space: nowrap;
    box-shadow: 0 4px 12px rgba(22, 163, 74, 0.3);
}

.hero-form-wrapper .credit-form {
    background: transparent;
    padding: var(--space-8) var(--space-6) var(--space-6);
    box-shadow: none;
    border-radius: 0;
    position: relative;
}

.hero-form-wrapper .credit-form::before {
    display: none;
}

.hero-form-wrapper .credit-form__powered {
    position: relative;
    top: auto;
    right: auto;
    margin-bottom: var(--space-4);
    padding-bottom: var(--space-3);
    border-bottom: 1px solid var(--color-gray-300);
    justify-content: center;
}

.hero-form-wrapper .credit-form__powered-text {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    display: block;
    text-align: center;
}

.hero-form-wrapper .credit-form__grid {
    display: flex;
    flex-direction: column;
    gap: var(--space-4);
}

.hero-form-wrapper .credit-form__group {
    margin-bottom: 0;
    width: 100%;
}

.hero-form-wrapper .credit-form__label {
    font-size: var(--text-sm);
    font-weight: 700;
    margin-bottom: var(--space-2);
    color: var(--color-gray-800);
}

.hero-form-wrapper .credit-form__select {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    padding-right: 44px;
    font-size: var(--text-base);
    min-height: 52px;
    background-color: var(--color-white);
    border: 2px solid var(--color-gray-300);
}

.hero-form-wrapper .credit-form__select:focus {
    border-color: var(--color-secondary);
    box-shadow: 0 0 0 3px rgba(14, 165, 233, 0.2);
}

.hero-form-wrapper .credit-form__submit {
    padding: var(--space-4);
    font-size: var(--text-lg);
    min-height: 56px;
    width: 100%;
    margin-top: var(--space-2);
}

.hero-form-wrapper .credit-form__disclosure {
    margin-top: var(--space-4);
    padding-top: var(--space-3);
    font-size: var(--text-xs);
    color: var(--color-gray-600);
}

/* Trust Section */
.trust-section {
    background: var(--color-white);
    padding: var(--space-6) 0;
    border-bottom: 1px solid var(--color-gray-200);
}

.trust-items {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-6);
}

@media (min-width: 768px) {
    .trust-items {
        gap: var(--space-10);
    }
}

.trust-item {
    display: flex;
    align-items: center;
    gap: var(--space-2);
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    font-weight: 500;
}

.trust-item svg {
    width: 20px;
    height: 20px;
    color: var(--color-accent);
}

/* Article Section */
.article-section {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow);
}

.article-section h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-4);
}

.article-section p {
    color: var(--color-gray-600);
    line-height: 1.8;
}

/* Bubble Points */
.bubble-points {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
    margin-top: var(--space-6);
}

.bubble-point {
    display: flex;
    align-items: flex-start;
    gap: var(--space-4);
    padding: var(--space-4);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--color-accent);
}

.bubble-number {
    width: 28px;
    height: 28px;
    background: var(--color-primary);
    color: var(--color-white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: var(--text-sm);
    flex-shrink: 0;
}

.bubble-point p {
    margin: 0;
    color: var(--color-gray-700);
    font-weight: 500;
}

/* HowTo Section */
.howto-section {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow);
}

.howto-section > h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-2);
}

.howto-section > p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-6);
}

/* USP Section */
.usp-section {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow);
}

.usp-section > h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-2);
}

.usp-section > p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-6);
}

/* Kredite Section */
.kredite-section {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow);
}

.kredite-section > h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-2);
}

.kredite-section > p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-6);
}

.kredite-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-4);
}

@media (min-width: 768px) {
    .kredite-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.kredite-card {
    display: flex;
    flex-direction: column;
    padding: var(--space-5);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
    border: 2px solid transparent;
    transition: all var(--transition-fast);
    text-decoration: none;
}

.kredite-card:hover {
    border-color: var(--color-accent);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.kredite-card__amount {
    font-size: var(--text-xl);
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: var(--space-1);
}

.kredite-card__term {
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    margin-bottom: var(--space-3);
}

.kredite-card__cta {
    font-size: var(--text-sm);
    color: var(--color-accent);
    font-weight: 600;
}

/* Kreditarten Section */
.kreditarten-section {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow);
}

.kreditarten-section > h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-2);
}

.kreditarten-section > p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-6);
}

.kreditarten-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-4);
}

@media (min-width: 600px) {
    .kreditarten-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.kreditart-card {
    display: block;
    padding: var(--space-5);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
    border: 2px solid transparent;
    transition: all var(--transition-fast);
    text-decoration: none;
}

.kreditart-card:hover {
    border-color: var(--color-primary);
    background: var(--color-white);
    box-shadow: var(--shadow-md);
}

.kreditart-card h3 {
    font-size: var(--text-lg);
    color: var(--color-primary);
    margin-bottom: var(--space-2);
}

.kreditart-card p {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin: 0;
    line-height: 1.6;
}

/* FAQ Section */
.faq-section {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow);
}

.faq-section > h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-2);
}

.faq-section > p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-6);
}

/* CTA Section */
.cta-section {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    border-radius: var(--radius-lg);
    padding: var(--space-10);
    margin-bottom: var(--space-6);
    text-align: center;
}

.cta-content h2 {
    font-size: var(--text-2xl);
    color: var(--color-white);
    margin-bottom: var(--space-3);
}

.cta-content p {
    font-size: var(--text-lg);
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--space-6);
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

.cta-content .btn {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
}

/* =====================================================
   PRINT STYLES
   ===================================================== */
@media print {
    .header,
    .footer,
    .credit-form,
    .smava-frame,
    .partner-frame,
    .sidebar-nav {
        display: none;
    }
    
    .article {
        box-shadow: none;
        padding: 0;
    }
}