/* Gemeinsame Gestaltung der Ratgeberseiten (effora.digital/ratgeber/…). */

:root {
  --grund: #f5f4f8;
  --flaeche: #ffffff;
  --flaeche-2: #efedf3;
  --linie: rgba(36, 22, 48, .09);
  --text: #19131f;
  --text-2: #4d4458;
  --text-3: #6f6679;
  --akzent: #e8603f;          /* Koralle aus dem Debita-Zeichen, einziger Akzent */
  --akzent-text: #c2462a;     /* dunkler für Schrift auf hell, AA */
  --tiefe: #241431;           /* Aubergine der Debita-Tafel */
  --tiefe-2: #3b1f52;
  --violett: #6d45c9;
  --schatten: 0 1px 2px rgba(36, 20, 49, .05), 0 12px 40px -12px rgba(36, 20, 49, .18);
  --r: 22px;
  --r-klein: 14px;
  --display: "Outfit", ui-sans-serif, system-ui, sans-serif;
  --sans: "Geist", ui-sans-serif, system-ui, sans-serif;
  color-scheme: light dark;
}
@media (prefers-color-scheme: dark) {
  :root {
    --grund: #120d16;
    --flaeche: #1c1522;
    --flaeche-2: #241b2c;
    --linie: rgba(255, 255, 255, .08);
    --text: #f3eff6;
    --text-2: #c9c0d2;
    --text-3: #a39aae;
    --akzent: #f07a5a;
    --akzent-text: #ff9a7c;
    --tiefe: #2a1838;
    --tiefe-2: #3d2154;
    --schatten: 0 1px 2px rgba(0, 0, 0, .3), 0 18px 50px -16px rgba(0, 0, 0, .6);
  }
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; overflow-x: clip; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  overflow-x: clip;
  margin: 0; background: var(--grund); color: var(--text);
  font: 400 17px/1.65 var(--sans); -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; }
.wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
@media (max-width: 767px) { .wrap { padding: 0 18px; } }

h1, h2, h3 { font-family: var(--display); font-weight: 600; margin: 0; color: var(--text); }
h1 { font-size: clamp(38px, 5.4vw, 64px); line-height: 1.04; letter-spacing: -0.032em; }
h2 { font-size: clamp(30px, 3.6vw, 44px); line-height: 1.1; letter-spacing: -0.024em; }
h3 { font-size: 21px; line-height: 1.3; letter-spacing: -0.01em; }
p { margin: 0; }
.leise { color: var(--text-2); }
.zahl { font-family: var(--display); font-variant-numeric: tabular-nums; letter-spacing: -0.03em; }

/* Kopf */
.kopf { position: sticky; top: 0; z-index: 20; }
.kopf-innen {
  display: flex; align-items: center; justify-content: space-between; height: 64px;
}
.kopf::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: color-mix(in srgb, var(--grund) 78%, transparent);
  backdrop-filter: saturate(160%) blur(18px); -webkit-backdrop-filter: saturate(160%) blur(18px);
  border-bottom: 1px solid var(--linie);
}
@media (prefers-reduced-transparency: reduce) { .kopf::before { background: var(--grund); backdrop-filter: none; } }
.marke { display: flex; align-items: center; gap: 10px; text-decoration: none; font: 600 18px var(--display); letter-spacing: -0.01em; }
.marke img { width: 26px; height: 26px; }
.marke a { display: flex; align-items: center; gap: 10px; text-decoration: none; color: inherit; }
.marke .marke-teil { color: var(--text-3); font-weight: 400; padding-left: 10px; border-left: 1px solid currentColor; line-height: 1; }
.marke .marke-teil:hover { color: var(--text); }

/* Knöpfe */
.knopf {
  display: inline-flex; align-items: center; gap: 9px; white-space: nowrap;
  height: 48px; padding: 0 22px; border-radius: 999px; border: 0; cursor: pointer;
  font: 600 16px var(--sans); text-decoration: none;
  transition: transform .25s cubic-bezier(.16, 1, .3, 1), box-shadow .25s, background-color .2s;
}
.knopf:active { transform: scale(.98); }
.knopf i { font-size: 19px; }
.knopf-voll { background: var(--text); color: var(--grund); box-shadow: 0 8px 24px -10px rgba(25, 19, 31, .55); }
.knopf-voll:hover { transform: translateY(-1px); }
.knopf-rand { background: transparent; color: var(--text); box-shadow: inset 0 0 0 1.5px var(--linie), inset 0 0 0 1.5px color-mix(in srgb, var(--text) 18%, transparent); }
.knopf-rand:hover { background: var(--flaeche); }
.knopf-klein { height: 38px; padding: 0 16px; font-size: 14.5px; }
:focus-visible { outline: 3px solid var(--akzent); outline-offset: 3px; border-radius: 10px; }

/* Held */
.held { padding: 56px 0 40px; }
.held-raster { display: grid; grid-template-columns: 1.08fr .92fr; gap: 48px; align-items: center; }
.stand {
  display: inline-flex; align-items: center; gap: 8px; margin-bottom: 22px;
  font-size: 14px; color: var(--text-2);
}
.stand i { color: var(--akzent-text); font-size: 17px; }
.held h1 em { font-style: normal; color: var(--akzent-text); }
.held-unter { margin-top: 22px; font-size: 19px; line-height: 1.55; color: var(--text-2); max-width: 34ch; }
.held-knoepfe { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.held-bild { position: relative; justify-self: center; width: min(100%, 440px); aspect-ratio: 0.86; }
.held-bild .schein {
  position: absolute; inset: 8% -6% 4% 2%; border-radius: 50%;
  background: radial-gradient(closest-side, color-mix(in srgb, var(--akzent) 34%, transparent), transparent 70%),
              radial-gradient(closest-side at 70% 60%, color-mix(in srgb, var(--violett) 30%, transparent), transparent 72%);
  filter: blur(24px);
}
.held-bild .geraet {
  position: absolute; width: 66%; right: 6%; top: 0;
  filter: drop-shadow(0 40px 60px rgba(36, 20, 49, .28));
  transform: rotate(3deg);
}
.held-bild .figur { position: absolute; width: 43%; left: 0; bottom: -2%; filter: drop-shadow(0 24px 30px rgba(36, 20, 49, .25)); }
@media (max-width: 900px) {
  .held { padding: 28px 0 24px; }
  .held-raster { grid-template-columns: 1fr; gap: 28px; }
  .held-bild { width: min(100%, 360px); }
}

/* Frist-Band */
.frist {
  position: relative; overflow: hidden; border-radius: 28px; color: #fff;
  background:
    radial-gradient(120% 140% at 100% 0%, rgba(232, 96, 63, .55), transparent 55%),
    radial-gradient(90% 120% at 0% 100%, rgba(109, 69, 201, .55), transparent 60%),
    linear-gradient(135deg, var(--tiefe), var(--tiefe-2));
  padding: 44px 48px; display: grid; grid-template-columns: auto 1fr auto; gap: 40px; align-items: center;
  box-shadow: var(--schatten);
}
.frist::after { content: ""; position: absolute; inset: 0; border-radius: inherit; box-shadow: inset 0 1px 0 rgba(255, 255, 255, .14); pointer-events: none; }
.frist-zahl { font-size: clamp(64px, 8vw, 104px); line-height: .9; font-weight: 600; }
.frist-einheit { display: block; font: 500 15px var(--sans); letter-spacing: 0; margin-top: 10px; color: rgba(255, 255, 255, .72); }
.frist h2 { color: #fff; font-size: clamp(24px, 2.6vw, 32px); }
.frist p { margin-top: 10px; color: rgba(255, 255, 255, .78); max-width: 52ch; }
.frist-figur { width: 150px; margin: -20px 0 -44px; }
@media (max-width: 900px) {
  .frist { grid-template-columns: 1fr; gap: 18px; padding: 32px 26px 0; }
  .frist-figur { width: 128px; margin: 0 0 0 auto; }
}

/* Abschnitte */
.abschnitt { padding: 104px 0 0; }
@media (max-width: 767px) { .abschnitt { padding-top: 72px; } }
.kopfzeile { max-width: 720px; margin-bottom: 40px; }
.kopfzeile p { margin-top: 14px; font-size: 18.5px; color: var(--text-2); }

/* Kacheln */
.kacheln { display: grid; grid-template-columns: 1.35fr 1fr 1fr; grid-template-rows: auto auto; gap: 16px; }
.kachel { background: var(--flaeche); border-radius: var(--r); padding: 28px; box-shadow: var(--schatten); position: relative; overflow: hidden; }
.kachel-gross { grid-row: span 2; display: flex; flex-direction: column; justify-content: space-between; min-height: 360px;
  background: linear-gradient(160deg, color-mix(in srgb, var(--akzent) 16%, var(--flaeche)), var(--flaeche) 62%); }
.kachel-gross .zahl { font-size: clamp(56px, 6vw, 84px); line-height: .95; font-weight: 600; }
.kachel-gross .geldsack { position: absolute; right: -10px; top: 18px; width: 150px; opacity: .98; }
.kachel .zahl-m { font-size: 44px; line-height: 1; font-weight: 600; }
.kachel .titel { font-weight: 600; margin-top: 12px; }
.kachel .text { margin-top: 6px; color: var(--text-2); font-size: 15.5px; line-height: 1.55; }
.kachel-breit { grid-column: span 2; display: grid; grid-template-columns: auto 1fr; gap: 22px; align-items: center;
  background: var(--flaeche-2); box-shadow: none; }
.kachel-breit .symbol { width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; background: var(--flaeche); color: var(--akzent-text); font-size: 28px; box-shadow: var(--schatten); }
@media (max-width: 900px) {
  .kacheln { grid-template-columns: 1fr 1fr; }
  .kachel-gross { grid-column: span 2; grid-row: auto; min-height: 280px; }
  .kachel-breit { grid-column: span 2; }
}
@media (max-width: 560px) {
  .kacheln { grid-template-columns: 1fr; }
  .kachel-gross, .kachel-breit { grid-column: auto; }
  .kachel-breit { grid-template-columns: 1fr; }
  .kachel-gross { min-height: 380px; }
  .kachel-gross .geldsack { width: 118px; top: 96px; right: -4px; }
}

/* Rechner */
.rechner { display: grid; grid-template-columns: .9fr 1.1fr; gap: 20px; align-items: stretch; }
.wahl { background: var(--flaeche); border-radius: var(--r); padding: 30px; box-shadow: var(--schatten); }
.wahl-label { font-weight: 600; font-size: 15px; }
.stufen { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; padding: 6px; margin-top: 12px; border-radius: 16px; background: var(--flaeche-2); }
.stufen button {
  height: 48px; border: 0; border-radius: 11px; background: transparent; color: var(--text-2);
  font: 600 16px var(--sans); cursor: pointer; transition: background-color .2s, color .2s, box-shadow .2s;
}
.stufen button[aria-pressed="true"] { background: var(--flaeche); color: var(--text); box-shadow: 0 2px 10px -4px rgba(36, 20, 49, .3); }
.wahl-hinweis { margin-top: 18px; font-size: 15px; color: var(--text-2); }
.wahl-hinweis strong { color: var(--text); }
.ergebnisse { display: grid; grid-template-rows: 1fr 1fr; gap: 16px; }
.ergebnis { border-radius: var(--r); padding: 26px 28px; display: grid; grid-template-columns: 1fr auto; gap: 6px 20px; align-items: end; }
.ergebnis-a { background: var(--tiefe); color: #fff; }
.ergebnis-b { background: var(--flaeche); box-shadow: var(--schatten); }
.ergebnis .wer { font-weight: 600; display: flex; gap: 9px; align-items: center; }
.ergebnis .wer i { font-size: 20px; }
.ergebnis-a .wer i { color: #ffb19c; }
.ergebnis-b .wer i { color: var(--akzent-text); }
.ergebnis .betrag { grid-row: span 2; font-size: clamp(40px, 4.6vw, 56px); line-height: 1; font-weight: 600; text-align: right; }
.ergebnis .erkl { font-size: 15px; line-height: 1.5; max-width: 38ch; }
.ergebnis-a .erkl { color: rgba(255, 255, 255, .74); }
.ergebnis-b .erkl { color: var(--text-2); }
@media (max-width: 900px) { .rechner { grid-template-columns: 1fr; } }
@media (max-width: 520px) {
  .ergebnis { grid-template-columns: 1fr; }
  .ergebnis .betrag { grid-row: auto; text-align: left; margin-top: 8px; }
}

/* Weg */
.weg { display: grid; grid-template-columns: .8fr 1.2fr; gap: 56px; }
.weg-kopf { position: sticky; top: 104px; align-self: start; }
.weg-kopf p { margin-top: 14px; color: var(--text-2); font-size: 18px; }
.weg-kopf img { width: 210px; margin-top: 26px; }
.schritte { list-style: none; margin: 0; padding: 0; position: relative; }
.schritte::before { content: ""; position: absolute; left: 23px; top: 12px; bottom: 12px; width: 2px; background: linear-gradient(var(--akzent), color-mix(in srgb, var(--violett) 60%, transparent)); border-radius: 2px; opacity: .45; }
.schritt { display: grid; grid-template-columns: 48px 1fr; gap: 22px; padding-bottom: 36px; }
.schritt:last-child { padding-bottom: 0; }
.schritt .punkt { width: 48px; height: 48px; border-radius: 50%; background: var(--flaeche); box-shadow: var(--schatten); display: grid; place-items: center; color: var(--akzent-text); font-size: 22px; position: relative; }
.schritt h3 { margin-top: 10px; }
.schritt p { margin-top: 8px; color: var(--text-2); }
.beleg { margin-top: 14px; padding: 16px 18px; border-radius: var(--r-klein); background: var(--flaeche-2); font-size: 15px; color: var(--text-2); }
.beleg strong { color: var(--text); }
@media (max-width: 900px) {
  .weg { grid-template-columns: 1fr; gap: 32px; }
  .weg-kopf { position: static; }
  .weg-kopf img { display: none; }
}

/* Fragen */
.fragen { max-width: 820px; }
.frage { border-radius: var(--r-klein); background: var(--flaeche); margin-bottom: 10px; box-shadow: 0 1px 2px rgba(36, 20, 49, .05); }
.frage summary { list-style: none; cursor: pointer; padding: 22px 60px 22px 24px; font-weight: 600; font-size: 17.5px; position: relative; }
.frage summary::-webkit-details-marker { display: none; }
.frage summary::after { content: "\e3d4"; font-family: "Phosphor"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 20px; color: var(--text-3); transition: transform .3s cubic-bezier(.16, 1, .3, 1); }
.frage[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.frage .antwort { padding: 0 24px 22px; color: var(--text-2); }

/* Debita */
.debita {
  border-radius: 32px; box-shadow: var(--schatten);
  background:
    radial-gradient(60% 80% at 82% 30%, color-mix(in srgb, var(--akzent) 22%, transparent), transparent 70%),
    radial-gradient(50% 70% at 62% 95%, color-mix(in srgb, var(--violett) 20%, transparent), transparent 70%),
    var(--flaeche);
  display: grid; grid-template-columns: 1fr 1fr; overflow: hidden; position: relative;
}
.debita-text { padding: 56px 0 56px 56px; align-self: center; }
.debita-text h2 { max-width: 14ch; }
.debita-text p { margin-top: 16px; font-size: 18px; color: var(--text-2); max-width: 40ch; }
.punkte { list-style: none; margin: 24px 0 0; padding: 0; display: grid; gap: 12px; }
.punkte li { display: flex; gap: 12px; align-items: flex-start; color: var(--text-2); }
.punkte i { color: var(--akzent-text); font-size: 21px; margin-top: 2px; }
.store { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 30px; }
.debita-bild {
  position: relative; min-height: 520px;
}
.debita-bild img { position: absolute; filter: drop-shadow(0 30px 50px rgba(36, 20, 49, .3)); }
.debita-bild .g1 { width: 46%; left: 10%; top: 9%; transform: rotate(-4deg); }
.debita-bild .g2 { width: 46%; right: 4%; top: 17%; transform: rotate(4deg); }
@media (max-width: 900px) {
  .debita { grid-template-columns: 1fr; }
  .debita-text { padding: 36px 26px 8px; }
  .debita-bild { min-height: 420px; }
}

/* Fuß */
.quellen { margin-top: 104px; padding-top: 40px; padding-bottom: 56px; border-top: 1px solid var(--linie); display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; font-size: 14.5px; color: var(--text-3); }
.quellen h3 { font-size: 15px; color: var(--text); margin-bottom: 10px; font-family: var(--sans); }
.quellen ul { margin: 0; padding: 0 0 0 18px; }
.quellen li { margin-bottom: 6px; }
.quellen a { color: var(--text-2); text-underline-offset: 3px; }
.fuss-links { display: flex; flex-wrap: wrap; gap: 12px 20px; margin-top: 18px; }
@media (max-width: 767px) { .quellen { grid-template-columns: 1fr; margin-top: 72px; } }

/* Einblenden */
@media (prefers-reduced-motion: no-preference) {
  .js .rein { opacity: 0; transform: translateY(22px); transition: opacity .8s cubic-bezier(.16, 1, .3, 1), transform .8s cubic-bezier(.16, 1, .3, 1); transition-delay: calc(var(--i, 0) * 70ms); }
  .js .rein.da { opacity: 1; transform: none; }
  .held .rein { transition-duration: 1s; }
  .betrag.neu { animation: tick .45s cubic-bezier(.16, 1, .3, 1); }
  @keyframes tick { from { opacity: .2; transform: translateY(6px); } to { opacity: 1; transform: none; } }
  .held-bild .figur { animation: schweben 6s ease-in-out infinite; }
  @keyframes schweben { 50% { transform: translateY(-8px) rotate(-1.5deg); } }
}