:root {
  --bg: #07111f;
  --bg-soft: #0c1b30;
  --card: #ffffff;
  --text: #101828;
  --muted: #667085;
  --line: rgba(255, 255, 255, 0.14);
  --gold: #d9aa55;
  --gold-2: #f6d58b;
  --blue: #1d4ed8;
  --white: #ffffff;
  --shadow: 0 24px 70px rgba(2, 8, 23, 0.18);
  --radius: 28px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  width: 100%;
  max-width: 100%;
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  width: 100%;
  max-width: 100%;
  font-family: "DM Sans", system-ui, sans-serif;
  background: #f7f8fb;
  color: var(--text);
  overflow-x: hidden;
}

img,
svg,
video {
  display: block;
  max-width: 100%;
  height: auto;
}

button,
input,
select,
textarea {
  max-width: 100%;
  font: inherit;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1180px, calc(100% - 40px));
  margin-inline: auto;
}

.section {
  position: relative;
  padding: 120px 0;
}

.section-dark {
  color: var(--white);
  background:
    radial-gradient(circle at top left,
      #18365e 0,
      #07111f 48%,
      #020617 100%);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
}

.eyebrow::before {
  content: "";
  width: 34px;
  height: 1px;
  background: currentColor;
}

h1,
h2,
h3 {
  font-family: "Playfair Display", serif;
  line-height: 1.02;
}

h2 {
  font-size: clamp(2.2rem, 5vw, 4.8rem);
}

p {
  color: var(--muted);
  line-height: 1.75;
}

.section-heading {
  margin-bottom: 52px;
}

.centered {
  max-width: 850px;
  margin-inline: auto;
  text-align: center;
}

.centered .eyebrow {
  justify-content: center;
}

.section-intro {
  max-width: 720px;
  margin: 18px auto 0;
}

/* Loader */

.loader {
  position: fixed;
  z-index: 1000;
  inset: 0;
  display: grid;
  place-items: center;
  background: #020617;
  transition:
    opacity 0.7s var(--ease),
    visibility 0.7s var(--ease);
}

.loader.hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-inner {
  color: #ffffff;
  text-align: center;
}

.loader-inner span {
  font-family: "Playfair Display", serif;
  font-size: clamp(2rem, 8vw, 5rem);
  letter-spacing: 0.18em;
}

.loader-bar {
  width: min(260px, calc(100vw - 50px));
  height: 3px;
  margin: 26px auto;
  overflow: hidden;
  border-radius: 99px;
  background: rgba(255, 255, 255, 0.14);
}

.loader-bar div {
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, var(--gold), #ffffff);
  animation: load 1.15s var(--ease);
}

@keyframes load {
  from {
    transform: translateX(-105%);
  }

  to {
    transform: translateX(0);
  }
}

/* Cursor */

.cursor,
.cursor-follower {
  position: fixed;
  z-index: 999;
  top: 0;
  left: 0;
  display: none;
  border-radius: 50%;
  pointer-events: none;
  transform: translate(-50%, -50%);
}

.cursor {
  width: 8px;
  height: 8px;
  background: var(--gold);
}

.cursor-follower {
  width: 38px;
  height: 38px;
  border: 1px solid rgba(217, 170, 85, 0.5);
  transition:
    width 0.2s,
    height 0.2s,
    background 0.2s;
}

@media (pointer: fine) {

  .cursor,
  .cursor-follower {
    display: block;
  }
}

/* Header */

.site-header {
  position: fixed;
  z-index: 50;
  top: 18px;
  left: 50%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: min(1180px, calc(100% - 32px));
  height: 76px;
  padding: 0 18px 0 26px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 999px;
  background: rgba(7, 17, 31, 0.58);
  backdrop-filter: blur(20px);
  transform: translateX(-50%);
  transition: 0.35s var(--ease);
}

.site-header.scrolled {
  height: 66px;
  border-color: rgba(16, 24, 40, 0.08);
  background: rgba(255, 255, 255, 0.88);
  box-shadow: var(--shadow);
}

.site-header.scrolled a {
  color: var(--text);
}

.site-header.scrolled .hamburger span {
  background: var(--text);
}

.brand {
  color: #ffffff;
  font-family: "Playfair Display", serif;
  font-size: 1.35rem;
  font-weight: 900;
  letter-spacing: 0.1em;
}

.brand span {
  color: var(--gold);
  font-size: 1.65rem;
}

.desktop-nav {
  display: flex;
  gap: 8px;
}

.desktop-nav a {
  padding: 12px 14px;
  border-radius: 999px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.95rem;
  transition: 0.25s;
}

.desktop-nav a:hover,
.desktop-nav a.active {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.11);
}

.site-header.scrolled .desktop-nav a:hover,
.site-header.scrolled .desktop-nav a.active {
  color: #1d4ed8;
  background: #eef2ff;
}

.header-cta {
  padding: 13px 20px;
  border-radius: 999px;
  color: #101828 !important;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  box-shadow: 0 10px 28px rgba(217, 170, 85, 0.28);
  font-weight: 800;
}

.hamburger {
  display: none;
  width: 42px;
  height: 42px;
  border: 0;
  background: none;
}

.hamburger span {
  display: block;
  height: 2px;
  margin: 7px;
  border-radius: 9px;
  background: #ffffff;
  transition: 0.25s;
}

/* Mobiles Menü */

.mobile-menu {
  position: fixed;
  z-index: 45;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 28px;
  background: rgba(2, 6, 23, 0.95);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: 0.35s;
}

.mobile-menu.open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.mobile-menu a {
  color: #ffffff;
  font-family: "Playfair Display", serif;
  font-size: 2rem;
}

/* Hero */

.hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(300px, 0.85fr);
  align-items: center;
  gap: 60px;
  min-height: 100vh;
  padding:
    150px max(32px, calc((100vw - 1180px) / 2)) 90px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(12px);
  opacity: 0.35;
  animation: float 9s ease-in-out infinite;
}

@keyframes float {
  50% {
    transform: translateY(-35px) translateX(20px);
  }
}

@keyframes particle {
  from {
    opacity: 0;
    transform: translateY(0);
  }

  20% {
    opacity: 1;
  }

  to {
    opacity: 0;
    transform: translateY(-100vh);
  }
}

.hero-content,
.hero-card {
  position: relative;
  z-index: 2;
  min-width: 0;
}

.hero-title {
  max-width: 820px;
  font-size: clamp(3rem, 8vw, 7.9rem);
}

.hero-text {
  max-width: 650px;
  margin: 28px 0;
  color: rgba(255, 255, 255, 0.72);
  font-size: 1.18rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 34px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 26px;
  border: 0;
  border-radius: 999px;
  font-weight: 800;
  cursor: pointer;
  transition: 0.28s var(--ease);
}

.btn-primary {
  color: #111827;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  box-shadow: 0 18px 40px rgba(217, 170, 85, 0.28);
}

.btn-secondary {
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.07);
}

.btn:hover {
  transform: translateY(-3px);
}

.hero-highlights {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  max-width: 650px;
}

.hero-highlights article {
  min-width: 0;
  padding: 18px;
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(14px);
}

.hero-highlights strong {
  color: #ffffff;
  font-size: 1.8rem;
}

.hero-highlights small {
  display: block;
  margin-top: 4px;
  color: rgba(255, 255, 255, 0.66);
}

.hero-card {
  padding: 34px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  background:
    linear-gradient(180deg,
      rgba(255, 255, 255, 0.14),
      rgba(255, 255, 255, 0.06));
  box-shadow: 0 40px 90px rgba(0, 0, 0, 0.26);
  backdrop-filter: blur(22px);
}

.hero-card h2 {
  margin: 14px 0 22px;
  font-size: 2.25rem;
}

.card-topline {
  color: var(--gold-2);
  font-weight: 800;
}

.hero-card li {
  margin: 14px 0;
  color: rgba(255, 255, 255, 0.8);
  list-style: none;
}

.hero-card li::before {
  content: "✓";
  margin-right: 10px;
  color: var(--gold);
}

.scroll-hint {
  position: absolute;
  z-index: 2;
  bottom: 30px;
  left: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.8rem;
  transform: translateX(-50%);
}

.scroll-hint span {
  width: 1px;
  height: 42px;
  background: linear-gradient(var(--gold), transparent);
  animation: scrollLine 1.6s infinite;
}

@keyframes scrollLine {
  50% {
    opacity: 0.4;
    transform: translateY(10px);
  }
}

/* Trust Strip */

.trust-strip {
  overflow: hidden;
  border-bottom: 1px solid #eaecf0;
  background: #ffffff;
}

.trust-strip div {
  display: flex;
  gap: 50px;
  padding: 18px 0;
  white-space: nowrap;
  animation: marquee 22s linear infinite;
}

.trust-strip span {
  color: #344054;
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
}

.trust-strip div::before,
.trust-strip div::after {
  content:
    "Unabhängig  Transparent  Persönlich  Digital Schadensbegleitung";
  color: #344054;
  word-spacing: 48px;
}

@keyframes marquee {
  from {
    transform: translateX(0);
  }

  to {
    transform: translateX(-50%);
  }
}

/* Versicherungen */

.insurance-shell {
  padding: 22px;
  border: 1px solid #e7e9f0;
  border-radius: 34px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}

.tab {
  padding: 13px 18px;
  border: 0;
  border-radius: 999px;
  color: #475467;
  background: #f2f4f7;
  font-weight: 800;
  cursor: pointer;
  transition: 0.25s;
}

.tab:hover,
.tab.active {
  color: #ffffff;
  background: #07111f;
  transform: translateY(-2px);
}

.insurance-toolbar {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-bottom: 22px;
  padding: 14px 16px;
  border: 1px solid #eef2f6;
  border-radius: 22px;
  background: #f8fafc;
}

.insurance-toolbar label {
  color: #101828;
  font-weight: 900;
}

.insurance-toolbar input {
  flex: 1;
  min-width: 0;
  min-height: 38px;
  border: 0;
  outline: none;
  color: #101828;
  background: transparent;
}

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.insurance-card {
  position: relative;
  min-width: 0;
  min-height: 320px;
  padding: 24px;
  overflow: hidden;
  border: 1px solid #eaecf0;
  border-radius: 26px;
  background: linear-gradient(180deg, #ffffff, #fbfcff);
  opacity: 0;
  transform: translateY(18px);
  transition: 0.35s var(--ease);
}

.insurance-card.show {
  opacity: 1;
  transform: translateY(0);
}

.insurance-card:hover {
  border-color: rgba(217, 170, 85, 0.45);
  box-shadow: 0 24px 50px rgba(16, 24, 40, 0.12);
  transform: translateY(-8px);
}

.insurance-card::after {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 150px;
  height: 150px;
  border-radius: 50%;
  background: rgba(217, 170, 85, 0.1);
}

.insurance-icon {
  margin-bottom: 18px;
  font-size: 2.2rem;
}

.insurance-card h3 {
  margin-bottom: 10px;
  font-size: 1.45rem;
}

.insurance-card p {
  font-size: 0.98rem;
}

.insurance-card ul {
  margin: 18px 0 22px;
  padding-left: 0;
}

.insurance-card li {
  margin: 10px 0;
  color: #475467;
  list-style: none;
}

.insurance-card li::before {
  content: "•";
  margin-right: 10px;
  color: var(--gold);
  font-weight: 900;
}

.insurance-link {
  display: inline-flex;
  color: #1d4ed8;
  font-weight: 900;
}

.empty-state {
  display: none;
  padding: 40px;
  color: #667085;
  text-align: center;
}

.empty-state.show {
  display: block;
}

/* Über uns */

.split-section {
  background: #ffffff;
}

.split-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  align-items: center;
  gap: 70px;
}

.portrait-card {
  position: relative;
  display: flex;
  align-items: flex-end;
  width: 100%;
  min-width: 0;
  min-height: 520px;
  padding: 34px;
  overflow: hidden;
  border-radius: 38px;
  background:
  radial-gradient(circle at 30% 20%, #315a92, #07111f 60%);
  box-shadow: var(--shadow);
}

.portrait-card::before {
  content: "";
  position: absolute;
  inset: 28px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 30px;
}

.portrait-mark {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.portrait-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.portrait-info {
  position: relative;
  z-index: 2;
  color: #000000;
}

.portrait-info span {
  display: block;
  color: var(--gold);
  font-weight: 900;
}

.portrait-info strong {
  font-family: "Playfair Display", serif;
  font-size: 2rem;
}

.split-text {
  min-width: 0;
}

.split-text p:not(.eyebrow) {
  margin: 24px 0;
}

.check-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.check-grid span {
  min-width: 0;
  padding: 14px 16px;
  border-radius: 16px;
  color: #344054;
  background: #f2f4f7;
  font-weight: 800;
}

/* Ablauf */

.process-section {
  background: #f0f4fa;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.process-card,
.benefit-card {
  min-width: 0;
  padding: 28px;
  border: 1px solid #eaecf0;
  border-radius: 28px;
  background: #ffffff;
  box-shadow: 0 16px 40px rgba(16, 24, 40, 0.06);
  transition: 0.3s;
}

.process-card:hover,
.benefit-card:hover {
  transform: translateY(-7px);
}

.process-card span {
  display: inline-flex;
  margin-bottom: 50px;
  color: var(--gold);
  font-weight: 900;
}

.process-card h3,
.benefit-card h3 {
  margin-bottom: 10px;
  font-size: 1.45rem;
}

/* Vorteile */

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.benefit-card span {
  display: block;
  margin-bottom: 18px;
  font-size: 2.1rem;
}

/* Kontakt */

.contact-section {
  color: #ffffff;
  background: linear-gradient(135deg, #07111f, #10213b);
}

.contact-section p {
  color: rgba(255, 255, 255, 0.72);
}

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  align-items: start;
  gap: 60px;
}

.contact-grid>* {
  min-width: 0;
}

.contact-list {
  display: grid;
  gap: 14px;
  margin-top: 30px;
}

.contact-list a,
.contact-list span {
  display: flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
  padding: 16px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 18px;
  color: #ffffff;
  background: rgba(209, 207, 207, 0.179);
  overflow-wrap: anywhere;
}

.contact-form {
  display: grid;
  gap: 16px;
  min-width: 0;
  padding: 28px;
  border-radius: 32px;
  color: #101828;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.contact-form label {
  min-width: 0;
  color: #344054;
  font-weight: 800;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  min-width: 0;
  margin-top: 8px;
  padding: 14px;
  border: 1px solid #d0d5dd;
  border-radius: 15px;
  outline: none;
  background: #ffffff;
  transition: 0.2s;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(217, 170, 85, 0.13);
}

.checkbox {
  display: flex !important;
  align-items: flex-start;
  gap: 10px;
  font-weight: 500 !important;
}

.checkbox input {
  flex: 0 0 auto;
  width: auto;
  margin-top: 4px;
}

.form-success {
  display: none;
  padding: 12px;
  border: 1px solid #abefc6;
  border-radius: 14px;
  color: #067647 !important;
  background: #ecfdf3;
}

.form-success.show {
  display: block;
}

.form-error {
  display: none;
  padding: 12px;
  border: 1px solid #fecdca;
  border-radius: 14px;
  color: #b42318 !important;
  background: #fef3f2;
}

.form-error.show {
  display: block;
}

/* Footer */

.footer {
  padding: 70px 0 24px;
  color: #ffffff;
  background: #020617;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 42px;
}

.footer-grid>div {
  min-width: 0;
}

.footer p {
  margin-top: 16px;
  color: rgba(255, 255, 255, 0.6);
}

.footer h4 {
  margin-bottom: 18px;
}

.footer a:not(.brand) {
  display: block;
  margin: 10px 0;
  color: rgba(255, 255, 255, 0.66);
}

.footer-bottom {
  margin-top: 44px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.9rem;
  text-align: center;
}

/* Nach oben */

.back-to-top {
  position: fixed;
  z-index: 30;
  right: 22px;
  bottom: 22px;
  width: 48px;
  height: 48px;
  border: 0;
  border-radius: 50%;
  color: #111827;
  background: var(--gold);
  box-shadow: var(--shadow);
  font-weight: 900;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: 0.25s;
}

.back-to-top.show {
  opacity: 1;
  visibility: visible;
}

/* Animationen */

.reveal,
.reveal-left,
.reveal-right {
  opacity: 0;
  transition:
    opacity 0.85s var(--ease),
    transform 0.85s var(--ease);
}

.reveal {
  transform: translateY(34px);
}

.reveal-left {
  transform: translateX(-45px);
}

.reveal-right {
  transform: translateX(45px);
}

.visible {
  opacity: 1;
  transform: none;
}

.delay-1 {
  transition-delay: 0.08s;
}

.delay-2 {
  transition-delay: 0.16s;
}

.delay-3 {
  transition-delay: 0.24s;
}

.delay-4 {
  transition-delay: 0.32s;
}

.delay-5 {
  transition-delay: 0.4s;
}

.insurance-category {
  display: inline-block;
  margin-bottom: 10px;
  padding: 5px 10px;
  border-radius: 999px;
  color: #72510e;
  background: rgba(217, 170, 85, 0.16);
  font-size: 0.75rem;
  font-weight: 800;
}

/* Datenschutz */

.privacy-section {
  padding: 100px 20px;
  background: var(--dark, #0f172a);
  display: flex;
  justify-content: center;
}

.privacy-card {
  width: 100%;
  max-width: 900px;
  background: rgba(255, 255, 255, 0.96);
  color: #111827;
  border-radius: 28px;
  padding: 50px;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.25);
}

.privacy-card h2 {
  font-size: clamp(2rem, 5vw, 3.5rem);
  margin-bottom: 25px;
}

.privacy-card h3 {
  margin-top: 30px;
  margin-bottom: 10px;
  font-size: 1.25rem;
}

.privacy-card p {
  line-height: 1.8;
  color: #374151;
}

@media (max-width: 768px) {
  .privacy-section {
    padding: 70px 16px;
  }

  .privacy-card {
    padding: 30px 22px;
    border-radius: 22px;
  }

  .privacy-card h3 {
    font-size: 1.1rem;
  }
}

.footer-logo {
  width: 300px;
  padding: 20px;
}

/* =====================================================
   TABLET UND KLEINERE DESKTOPS
   ===================================================== */

@media (max-width: 1100px) {
  .container {
    width: min(100% - 40px, 1000px);
  }

  .site-header {
    width: calc(100% - 28px);
  }

  .desktop-nav {
    gap: 2px;
  }

  .desktop-nav a {
    padding: 10px;
    font-size: 0.88rem;
  }

  .hero {
    grid-template-columns: minmax(0, 1fr) minmax(280px, 0.75fr);
    gap: 40px;
  }

  .hero-title {
    font-size: clamp(3rem, 7vw, 6rem);
  }

  .insurance-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process-grid,
  .benefit-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* =====================================================
   TABLET UND MOBILE NAVIGATION
   ===================================================== */

@media (max-width: 980px) {

  .desktop-nav,
  .header-cta {
    display: none;
  }

  .hamburger {
    position: relative;
    z-index: 60;
    display: block;
    cursor: pointer;
  }

  .mobile-menu {
    z-index: 55;
    padding: 110px 24px 50px;
    overflow-y: auto;
  }

  .mobile-menu a {
    width: 100%;
    max-width: 340px;
    padding: 12px;
    font-size: clamp(1.5rem, 5vw, 2rem);
    text-align: center;
  }

  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
    padding-top: 145px;
    padding-bottom: 90px;
  }

  .hero-content {
    max-width: 780px;
  }

  .hero-card {
    width: 100%;
    max-width: 680px;
  }

  .hero-title {
    font-size: clamp(3rem, 9vw, 5rem);
  }

  .split-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .portrait-card {
    width: 100%;
    max-width: 700px;
    min-height: 520px;
    margin-inline: auto;
  }

  .contact-grid {
    gap: 45px;
  }

  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* =====================================================
   HANDY
   ===================================================== */

@media (max-width: 640px) {

  html,
  body {
    width: 100%;
    max-width: 100%;
    overflow-x: hidden;
  }

  body {
    position: relative;
  }

  .container {
    width: calc(100% - 28px);
    max-width: 100%;
    margin-inline: auto;
  }

  .section {
    padding: 70px 0;
  }

  /* Mobiler Header */

  .site-header {
    position: fixed;
    top: 10px !important;
    left: 10px !important;
    right: 10px !important;
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: auto !important;
    max-width: none !important;
    height: 64px;
    margin: 0 !important;
    padding: 0 10px 0 16px;
    border-radius: 999px;
    transform: none !important;
  }

  .site-header.scrolled {
    height: 60px;
  }

  .site-header .brand {
    flex: 0 1 auto;
    min-width: 0;
    margin: 0;
    padding: 0;
    overflow: hidden;
    font-size: 1.1rem;
    white-space: nowrap;
    text-overflow: ellipsis;
  }

  .site-header .brand span {
    font-size: 1.35rem;
  }

  .site-header .hamburger {
    display: block;
    flex: 0 0 40px;
    width: 40px;
    min-width: 40px;
    max-width: 40px;
    height: 40px;
    margin: 0;
    padding: 0;
    border: 0;
    background: transparent;
  }

  .site-header .hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    margin: 6px auto;
    border-radius: 9px;
    background: #ffffff;
  }

  .site-header.scrolled .hamburger span {
    background: var(--text);
  }

  .mobile-menu {
    gap: 18px;
    padding: 100px 20px 40px;
    overflow-y: auto;
  }

  .mobile-menu a {
    width: 100%;
    max-width: 320px;
    padding: 12px;
    font-size: 1.45rem;
    text-align: center;
  }

  /* Hero */

  .hero {
    grid-template-columns: 1fr;
    gap: 34px;
    min-height: auto;
    padding: 115px 16px 65px;
  }

  .hero-content,
  .hero-card {
    width: 100%;
    max-width: 100%;
    min-width: 0;
  }

  .hero-title {
    font-size: clamp(2.4rem, 12vw, 3.2rem);
    line-height: 1.08;
    overflow-wrap: break-word;
  }

  .hero-text {
    margin: 22px 0;
    font-size: 1rem;
    line-height: 1.7;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .hero-actions .btn {
    width: 100%;
    padding-inline: 18px;
    text-align: center;
  }

  .hero-highlights {
    grid-template-columns: 1fr;
    gap: 10px;
    width: 100%;
  }

  .hero-highlights article {
    width: 100%;
    padding: 16px;
  }

  .hero-card {
    padding: 24px 20px;
    border-radius: 22px;
  }

  .hero-card h2 {
    font-size: 1.7rem;
  }

  .scroll-hint {
    display: none;
  }

  /* Überschriften */

  h2 {
    font-size: clamp(2rem, 10vw, 2.8rem);
    overflow-wrap: break-word;
  }

  .section-heading {
    margin-bottom: 36px;
  }

  .section-intro {
    font-size: 0.96rem;
  }

  /* Versicherungen */

  .insurance-shell {
    width: 100%;
    max-width: 100%;
    padding: 16px;
    border-radius: 22px;
  }

  .tabs {
    display: flex;
    flex-wrap: nowrap;
    width: 100%;
    max-width: 100%;
    padding-bottom: 8px;
    overflow-x: auto;
    overflow-y: hidden;
    scrollbar-width: thin;
    -webkit-overflow-scrolling: touch;
  }

  .tab {
    flex: 0 0 auto;
    padding: 11px 15px;
    white-space: nowrap;
  }

  .insurance-toolbar {
    display: grid;
    grid-template-columns: 1fr;
    gap: 8px;
    width: 100%;
    padding: 14px;
  }

  .insurance-toolbar input {
    width: 100%;
    min-width: 0;
    min-height: 44px;
    margin-top: 0;
    font-size: 16px;
  }

  .insurance-grid,
  .process-grid,
  .benefit-grid,
  .form-row,
  .check-grid {
    grid-template-columns: 1fr;
  }

  .insurance-card {
    width: 100%;
    min-width: 0;
    min-height: auto;
    padding: 22px 18px;
    border-radius: 20px;
  }

  .insurance-card:hover {
    transform: none;
  }

  /* Über uns */

  .split-grid {
    grid-template-columns: 1fr;
  }

  .portrait-card {
    width: 100%;
    max-width: 100%;
    min-height: 420px;
    padding: 22px;
    border-radius: 24px;
  }

  .portrait-card::before {
    inset: 16px;
    border-radius: 18px;
  }

  .portrait-mark {
    width: 100%;
    height: 100%;
  }

  .portrait-mark img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
  }

  .portrait-info strong {
    font-size: 1.5rem;
  }

  /* Karten */

  .process-card,
  .benefit-card {
    width: 100%;
    padding: 22px 18px;
    border-radius: 20px;
  }

  .process-card span {
    margin-bottom: 25px;
  }

  /* Kontakt */

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 34px;
  }

  .contact-grid>* {
    width: 100%;
    min-width: 0;
  }

  .contact-list {
    width: 100%;
  }

  .contact-list a,
  .contact-list span {
    width: 100%;
    padding: 14px;
    align-items: flex-start;
    line-height: 1.5;
    word-break: break-word;
    overflow-wrap: anywhere;
  }

  .contact-form {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    padding: 22px 16px;
    border-radius: 22px;
  }

  .contact-form label {
    width: 100%;
    min-width: 0;
  }

  .contact-form input:not([type="checkbox"]),
  .contact-form select,
  .contact-form textarea {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    min-height: 48px;
    padding: 13px;
    border-radius: 12px;
    font-size: 16px;
  }

  .contact-form textarea {
    min-height: 130px;
    resize: vertical;
  }

  .checkbox {
    display: grid !important;
    grid-template-columns: 22px minmax(0, 1fr);
    gap: 10px;
  }

  .checkbox input {
    width: 20px;
    height: 20px;
    margin-top: 2px;
  }

  .checkbox span {
    min-width: 0;
    overflow-wrap: break-word;
  }

  .contact-form .btn {
    width: 100%;
  }

  /* Footer */

  .footer {
    padding-top: 55px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 34px;
  }

  .footer-grid>div {
    width: 100%;
    min-width: 0;
  }

  .footer-bottom {
    padding-inline: 14px;
    line-height: 1.5;
    overflow-wrap: break-word;
  }

  .back-to-top {
    right: 14px;
    bottom: 14px;
    width: 44px;
    height: 44px;
  }

  .cursor,
  .cursor-follower {
    display: none !important;
  }
}

/* =====================================================
   SEHR KLEINE HANDYS
   ===================================================== */

@media (max-width: 380px) {
  .container {
    width: calc(100% - 20px);
  }

  .site-header {
    top: 6px !important;
    left: 6px !important;
    right: 6px !important;
    width: auto !important;
    max-width: none !important;
    padding-right: 6px;
    padding-left: 12px;
    transform: none !important;
  }

  .site-header .brand {
    font-size: 1rem;
    letter-spacing: 0.07em;
  }

  .site-header .brand span {
    font-size: 1.25rem;
  }

  .hero {
    padding-inline: 12px;
  }

  .hero-title {
    font-size: 2.25rem;
  }

  .hero-card,
  .insurance-shell,
  .contact-form {
    padding-inline: 14px;
  }

  .contact-list a,
  .contact-list span {
    font-size: 0.9rem;
  }
}

/* Touch-Geräte */

@media (hover: none) and (pointer: coarse) {

  .btn:hover,
  .tab:hover,
  .insurance-card:hover,
  .process-card:hover,
  .benefit-card:hover {
    transform: none;
  }

  .btn,
  .tab,
  .hamburger,
  .insurance-link,
  .mobile-menu a {
    min-height: 44px;
  }
}

/* Reduzierte Animationen */

@media (prefers-reduced-motion: reduce) {

  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }

  .reveal,
  .reveal-left,
  .reveal-right,
  .insurance-card {
    opacity: 1;
    transform: none;
  }
}