/* =============================================
   FINANZKONTOR - Premium Wealth Management
   Design: Light & Airy - Navy #1B3A6B + Gold #C9A84C
   Refonte: Fond blanc, accents navy, tres lumineux
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Inter:wght@300;400;500;600;700&display=swap');

/* === VARIABLES === */
:root {
  --navy: #1B3A6B;
  --navy-dark: #0F2347;
  --navy-light: #2A4F8F;
  --navy-xlight: #EEF2F9;
  --gold: #C9A84C;
  --gold-light: #E8CE82;
  --gold-xlight: #FBF5E6;
  --gold-dark: #A8862A;
  --white: #FFFFFF;
  --off-white: #FAFAF8;
  --warm-gray: #F5F4F0;
  --gray-100: #F3F4F6;
  --gray-200: #E8E9EC;
  --gray-300: #D1D5DB;
  --gray-400: #9CA3AF;
  --gray-600: #6B7280;
  --gray-800: #374151;
  --text: #1C2434;
  --text-light: #6B7280;
  --text-muted: #9CA3AF;

  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-6: 24px;
  --space-8: 32px;
  --space-10: 40px;
  --space-12: 48px;
  --space-16: 64px;
  --space-20: 80px;
  --space-24: 96px;

  --radius-sm: 4px;
  --radius: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  --shadow-xs: 0 1px 4px rgba(27,58,107,0.05);
  --shadow-sm: 0 2px 8px rgba(27,58,107,0.07);
  --shadow: 0 4px 20px rgba(27,58,107,0.09);
  --shadow-lg: 0 12px 40px rgba(27,58,107,0.13);
  --shadow-xl: 0 24px 64px rgba(27,58,107,0.16);

  --transition: 0.25s ease;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  padding-bottom: 72px;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* === TYPOGRAPHY === */
h1, h2, h3, h4 { font-family: 'Playfair Display', serif; line-height: 1.2; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.6rem); font-weight: 600; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.55rem); font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
p { font-size: 1rem; line-height: 1.75; color: var(--text-light); }

.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }

/* === LAYOUT === */
.container { max-width: 1200px; margin: 0 auto; padding: 0 var(--space-6); }
.container-sm { max-width: 800px; margin: 0 auto; padding: 0 var(--space-6); }
.section { padding: var(--space-20) 0; }
.section-alt { background: var(--off-white); }
.section-blue { background: var(--navy-xlight); }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 13px 26px;
  border-radius: var(--radius);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.925rem;
  transition: all var(--transition);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
  box-shadow: 0 4px 14px rgba(201,168,76,0.3);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.4);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(27,58,107,0.2);
}
.btn-navy:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(27,58,107,0.3);
}
.btn-secondary {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--gray-300);
}
.btn-secondary:hover {
  border-color: var(--navy);
  background: var(--navy-xlight);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-ghost {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.25);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.2);
  border-color: rgba(255,255,255,0.5);
}
.btn-lg { padding: 16px 34px; font-size: 1rem; }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }

/* === NAVIGATION - LIGHT === */
.site-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--gray-200);
  transition: all var(--transition);
}
.site-nav.scrolled {
  background: rgba(255, 255, 255, 0.99);
  box-shadow: 0 2px 20px rgba(27,58,107,0.08);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-logo {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.nav-logo-main {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.nav-logo-main span { color: var(--gold); }
.nav-logo-sub {
  font-size: 0.62rem;
  font-weight: 500;
  color: var(--text-muted);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-top: 3px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-8);
}
.nav-links a {
  font-size: 0.855rem;
  font-weight: 500;
  color: var(--gray-600);
  letter-spacing: 0.01em;
  transition: color var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
  border-radius: 2px;
}
.nav-links a:hover, .nav-links a.active { color: var(--navy); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: var(--space-2);
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  transition: all var(--transition);
  border-radius: 2px;
}

/* === HERO - version claire avec degrade subtil === */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 70px;
  padding-bottom: var(--space-16);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, #1d4280 100%);
}
.hero-bg-img {
  position: absolute;
  inset: 0;
  object-fit: cover;
  width: 100%;
  height: 100%;
  opacity: 0.12;
  mix-blend-mode: luminosity;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,28,60,0.88) 0%, rgba(27,58,107,0.65) 100%);
}

.hero > .container {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: var(--space-12);
  width: 100%;
}
.hero-content { max-width: 700px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: rgba(201,168,76,0.18);
  border: 1px solid rgba(201,168,76,0.45);
  padding: 6px var(--space-4);
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold-light);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: var(--space-6);
}
.hero h1 { color: var(--white); margin-bottom: var(--space-6); }
.hero h1 em { color: var(--gold-light); font-style: normal; }
.hero p { color: rgba(255,255,255,0.82); font-size: 1.12rem; margin-bottom: var(--space-8); max-width: 560px; }
.hero-buttons { display: flex; gap: var(--space-4); flex-wrap: wrap; }

/* --- Hero stats --- */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.15);
  max-width: 560px;
}
.hero-stat {
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(12px);
  padding: var(--space-6) var(--space-6);
  text-align: center;
}
.hero-stat-value {
  font-family: 'Playfair Display', serif;
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
  white-space: nowrap;
}
.hero-stat-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.6);
  margin-top: 6px;
  letter-spacing: 0.04em;
  line-height: 1.4;
}

/* === SECTION HEADER === */
.section-header { text-align: center; max-width: 680px; margin: 0 auto var(--space-12); }
.section-badge {
  display: inline-block;
  background: var(--gold-xlight);
  color: var(--gold-dark);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 5px var(--space-4);
  border-radius: 100px;
  border: 1px solid rgba(201,168,76,0.25);
  margin-bottom: var(--space-4);
}
.section-header p { font-size: 1.05rem; margin-top: var(--space-4); color: var(--text-light); }

/* === CARDS === */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.35);
}
.card-icon {
  width: 52px;
  height: 52px;
  background: var(--navy-xlight);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}
.card-icon svg { width: 24px; height: 24px; stroke: var(--navy); }
.card h3 { margin-bottom: var(--space-3); }
.card p { font-size: 0.9rem; }

/* === SERVICES GRID === */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
}
.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.3);
}
.service-card-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
}
.service-card-body { padding: var(--space-6); }
.service-card-body h3 { margin-bottom: var(--space-3); font-size: 1.15rem; }
.service-card-body p { font-size: 0.88rem; margin-bottom: var(--space-4); }
.service-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.855rem;
  transition: gap var(--transition);
  border-bottom: 1.5px solid var(--gold);
  padding-bottom: 1px;
}
.service-link:hover { gap: var(--space-3); color: var(--gold-dark); }

/* === PROCESS STEPS === */
.process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-6); position: relative; }
.process-steps::before {
  content: '';
  position: absolute;
  top: 23px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, var(--navy-xlight), var(--gold-xlight), var(--navy-xlight));
}
.process-step { text-align: center; position: relative; }
.step-number {
  width: 46px;
  height: 46px;
  background: var(--white);
  border: 2px solid var(--navy);
  color: var(--navy);
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-4);
  position: relative;
  z-index: 1;
  box-shadow: var(--shadow-sm);
}
.process-step h4 { margin-bottom: var(--space-2); font-size: 0.95rem; }
.process-step p { font-size: 0.82rem; }

/* === SIMULATOR === */
.simulator-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
  position: relative;
  overflow: hidden;
}
.simulator-wrapper::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--gold), var(--navy));
}
.sim-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-10); align-items: start; }
.sim-inputs { display: flex; flex-direction: column; gap: var(--space-6); }
.sim-field { display: flex; flex-direction: column; gap: var(--space-2); }
.sim-field label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.sim-field input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 3px;
  background: var(--gray-200);
  outline: none;
}
.sim-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--navy);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(27,58,107,0.25);
}
.sim-value-display {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.sim-current-value {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
}
.sim-results { display: flex; flex-direction: column; gap: var(--space-4); }
.sim-result-card {
  background: var(--navy-xlight);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  border: 1px solid rgba(27,58,107,0.1);
  position: relative;
  overflow: hidden;
}
.sim-result-card.accent {
  background: var(--navy);
  border-color: var(--navy);
}
.sim-result-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: var(--space-2);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 600;
}
.sim-result-card.accent .sim-result-label { color: rgba(255,255,255,0.55); }
.sim-result-value {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.sim-result-card.accent .sim-result-value { color: var(--gold-light); }
.sim-result-sub { font-size: 0.78rem; color: var(--text-muted); margin-top: var(--space-1); }
.sim-result-card.accent .sim-result-sub { color: rgba(255,255,255,0.45); }
.sim-cta-note {
  background: var(--gold-xlight);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius);
  padding: var(--space-4) var(--space-6);
  font-size: 0.84rem;
  color: var(--gold-dark);
  font-weight: 500;
  text-align: center;
  margin-top: var(--space-2);
}

/* === SPLIT SECTION === */
.split-section { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-16); align-items: center; }
.split-section.reverse .split-img { order: 2; }
.split-section.reverse .split-content { order: 1; }
.split-img { position: relative; border-radius: var(--radius-xl); overflow: visible; }
.split-img img {
  width: 100%;
  height: 460px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}
.split-img-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--gold);
  color: var(--navy-dark);
  padding: var(--space-4) var(--space-6);
  border-radius: var(--radius-lg);
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  box-shadow: var(--shadow-lg);
  text-align: center;
  line-height: 1.2;
}
.split-img-badge span { display: block; font-family: 'Inter', sans-serif; font-size: 0.68rem; font-weight: 500; opacity: 0.7; }
.split-content h2 { margin-bottom: var(--space-4); }
.split-content p { margin-bottom: var(--space-6); }
.features-list { display: flex; flex-direction: column; gap: var(--space-4); margin-bottom: var(--space-8); }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
}
.feature-icon {
  width: 36px;
  height: 36px;
  background: var(--gold-xlight);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  border: 1px solid rgba(201,168,76,0.2);
}
.feature-icon svg { width: 17px; height: 17px; stroke: var(--gold-dark); }
.feature-text h4 { font-size: 0.93rem; margin-bottom: 2px; }
.feature-text p { font-size: 0.84rem; }

/* === TESTIMONIALS === */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  position: relative;
  transition: all var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.testimonial-card::before {
  content: '"';
  font-family: 'Playfair Display', serif;
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.15;
  position: absolute;
  top: var(--space-3);
  left: var(--space-6);
  line-height: 1;
}
.testimonial-stars { color: var(--gold); font-size: 0.9rem; margin-bottom: var(--space-4); letter-spacing: 2px; }
.testimonial-text { font-size: 0.88rem; color: var(--text-light); margin-bottom: var(--space-6); font-style: italic; line-height: 1.7; }
.testimonial-author { display: flex; align-items: center; gap: var(--space-3); }
.author-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.95rem;
  flex-shrink: 0;
}
.author-name { font-weight: 600; font-size: 0.88rem; color: var(--navy); }
.author-location { font-size: 0.73rem; color: var(--text-muted); }

/* === FAQ === */
.faq-list { display: flex; flex-direction: column; gap: var(--space-2); }
.faq-item {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: all var(--transition);
}
.faq-item.open {
  border-color: rgba(201,168,76,0.4);
  box-shadow: var(--shadow-sm);
}
.faq-question {
  width: 100%;
  text-align: left;
  padding: var(--space-5, 20px) var(--space-6);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy);
  cursor: pointer;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--off-white); }
.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--navy-xlight);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all var(--transition);
  color: var(--navy);
}
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy-dark); transform: rotate(180deg); }
.faq-answer {
  display: none;
  padding: 0 var(--space-6) var(--space-6);
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.75;
}
.faq-item.open .faq-answer { display: block; }

/* === CTA SECTION === */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
}
.cta-inner { text-align: center; position: relative; z-index: 1; }
.cta-inner h2 { color: var(--white); margin-bottom: var(--space-4); }
.cta-inner p { color: rgba(255,255,255,0.72); font-size: 1.08rem; margin-bottom: var(--space-8); }
.cta-buttons { display: flex; justify-content: center; gap: var(--space-4); flex-wrap: wrap; }

/* === BREADCRUMB === */
.breadcrumb {
  padding: 86px 0 var(--space-4);
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-200);
}
.breadcrumb-inner {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.78rem;
}
.breadcrumb a { color: var(--text-muted); transition: color var(--transition); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb-sep { color: var(--gray-300); }
.breadcrumb-current { color: var(--navy); font-weight: 600; }

/* === PAGE HERO (inner pages) - claire === */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 110px 0 var(--space-16);
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 80px;
  background: var(--white);
  clip-path: ellipse(60% 100% at 50% 100%);
}
.page-hero-alt {
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-200);
  padding: 100px 0 var(--space-12);
}
.page-hero-alt h1 { color: var(--navy); }
.page-hero-alt p { color: var(--text-light); }
.page-hero-content { max-width: 680px; }
.page-hero h1 { color: var(--white); margin-bottom: var(--space-4); }
.page-hero p { color: rgba(255,255,255,0.78); font-size: 1.08rem; }

/* === STICKY FOOTER === */
.sticky-footer {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 900;
  background: var(--white);
  border-top: 2px solid var(--gold);
  box-shadow: 0 -4px 24px rgba(27,58,107,0.1);
  transform: translateY(0);
  transition: transform 0.4s ease;
}
.sticky-footer.hidden { transform: translateY(100%); }
.sticky-footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px var(--space-6);
  max-width: 1200px;
  margin: 0 auto;
  gap: var(--space-4);
}
.sticky-footer-text {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.sticky-pulse {
  width: 9px;
  height: 9px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
  flex-shrink: 0;
}
@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 1; box-shadow: 0 0 0 0 rgba(201,168,76,0.4); }
  50% { transform: scale(1.3); opacity: 0.8; box-shadow: 0 0 0 6px rgba(201,168,76,0); }
}
.sticky-footer-text p {
  color: var(--text);
  font-size: 0.875rem;
  margin: 0;
  font-weight: 500;
}
.sticky-footer-text strong { color: var(--navy); }
.sticky-footer-actions { display: flex; align-items: center; gap: var(--space-3); }
.sticky-close {
  color: var(--text-muted);
  font-size: 1.2rem;
  padding: var(--space-2);
  transition: color var(--transition);
  line-height: 1;
}
.sticky-close:hover { color: var(--text); }

/* === EXIT POPUP === */
.exit-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10,28,60,0.7);
  backdrop-filter: blur(6px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-6);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}
.exit-overlay.active {
  opacity: 1;
  pointer-events: all;
}
.exit-modal {
  background: var(--white);
  border-radius: var(--radius-xl);
  max-width: 540px;
  width: 100%;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  transform: scale(0.94) translateY(16px);
  transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
  border: 1px solid var(--gray-200);
}
.exit-overlay.active .exit-modal {
  transform: scale(1) translateY(0);
}
.exit-modal-header {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  padding: var(--space-8);
  text-align: center;
  position: relative;
}
.exit-modal-header h3 { color: var(--white); font-size: 1.45rem; margin-bottom: var(--space-2); }
.exit-modal-header p { color: rgba(255,255,255,0.68); font-size: 0.88rem; margin: 0; }
.exit-close-btn {
  position: absolute;
  top: var(--space-4);
  right: var(--space-4);
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: rgba(255,255,255,0.12);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  transition: background var(--transition);
  line-height: 1;
}
.exit-close-btn:hover { background: rgba(255,255,255,0.25); }
.exit-modal-body { padding: var(--space-8); }
.exit-benefits { display: flex; flex-direction: column; gap: var(--space-3); margin-bottom: var(--space-6); }
.exit-benefit {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: 0.88rem;
  color: var(--text);
}
.exit-benefit-icon {
  width: 28px;
  height: 28px;
  background: var(--gold-xlight);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.85rem;
  border: 1px solid rgba(201,168,76,0.2);
}
.exit-modal-body .btn { width: 100%; justify-content: center; }
.exit-dismiss {
  display: block;
  text-align: center;
  margin-top: var(--space-4);
  font-size: 0.78rem;
  color: var(--text-muted);
  cursor: pointer;
  transition: color var(--transition);
}
.exit-dismiss:hover { color: var(--text-light); }

/* === STATS BAR === */
.stats-bar {
  background: var(--navy);
  padding: var(--space-10) 0;
}
.stats-bar-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-item { text-align: center; padding: var(--space-4); border-right: 1px solid rgba(255,255,255,0.08); }
.stat-item:last-child { border-right: none; }
.stat-value { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 700; color: var(--gold-light); line-height: 1; }
.stat-label { font-size: 0.77rem; color: rgba(255,255,255,0.55); margin-top: var(--space-2); letter-spacing: 0.05em; }

/* === BUNDESBANK TICKER === */
.buba-ticker {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 10px 0;
}
.buba-ticker-inner {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  overflow-x: auto;
  scrollbar-width: none;
}
.buba-ticker-inner::-webkit-scrollbar { display: none; }
.buba-label {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 6px;
  background: var(--navy-xlight);
  padding: 4px 10px;
  border-radius: 100px;
}
.buba-label::before {
  content: '';
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
}
.buba-rates {
  display: flex;
  gap: var(--space-8);
  flex-wrap: nowrap;
}
.buba-rate-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  white-space: nowrap;
}
.buba-rate-name { font-size: 0.73rem; color: var(--gray-600); font-weight: 500; }
.buba-rate-value { font-size: 0.85rem; font-weight: 700; color: var(--navy); font-family: 'Playfair Display', serif; }
.buba-rate-change { font-size: 0.68rem; padding: 2px 6px; border-radius: 4px; font-weight: 600; }
.buba-rate-change.up { background: rgba(16,185,129,0.08); color: #059669; }
.buba-rate-change.down { background: rgba(239,68,68,0.08); color: #DC2626; }
.buba-rate-change.neutral { background: var(--gray-100); color: var(--gray-600); }
.buba-source { font-size: 0.63rem; color: var(--text-muted); white-space: nowrap; margin-left: auto; }

/* === FOOTER - clair === */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.65);
  padding: var(--space-16) 0 var(--space-8);
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: var(--space-10); margin-bottom: var(--space-12); }
.footer-brand-text { font-size: 0.855rem; line-height: 1.75; margin: var(--space-4) 0 var(--space-6); max-width: 280px; color: rgba(255,255,255,0.5); }
.footer-social { display: flex; gap: var(--space-3); }
.social-link {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.5);
  transition: all var(--transition);
  border: 1px solid rgba(255,255,255,0.08);
}
.social-link:hover { background: var(--gold); color: var(--navy-dark); border-color: var(--gold); }
.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: var(--space-6);
}
.footer-links { display: flex; flex-direction: column; gap: var(--space-3); }
.footer-links a { font-size: 0.855rem; color: rgba(255,255,255,0.45); transition: color var(--transition); }
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding-top: var(--space-6);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-4);
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
}
.footer-disclaimer { font-size: 0.73rem; color: rgba(255,255,255,0.25); margin-top: var(--space-4); max-width: 700px; line-height: 1.65; }

/* === TRUST STRIP === */
.trust-strip {
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
  padding: var(--space-6) 0;
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-10);
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-600);
}
.trust-item svg { stroke: var(--gold-dark); }

/* === SCROLL REVEAL === */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal-on-scroll.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* === TALLY FORM === */
.tally-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
}
.tally-title { text-align: center; margin-bottom: var(--space-8); }

/* === INTERNAL LINKS BLOCK === */
.related-links-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); }
.related-link-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  text-align: center;
  transition: all var(--transition);
}
.related-link-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.related-link-card .rlc-icon { font-size: 1.7rem; margin-bottom: var(--space-2); }
.related-link-card h4 { font-size: 0.88rem; margin-bottom: var(--space-2); color: var(--navy); }
.related-link-card p { font-size: 0.76rem; color: var(--text-muted); }

/* === BUNDESLAND PAGES === */
.land-hero { background: linear-gradient(135deg, var(--navy-dark), var(--navy)); padding: 110px 0 60px; }
.land-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-10); }
.land-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}
.land-stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-4); margin: var(--space-6) 0; }
.land-stat-box {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: var(--space-4);
  text-align: center;
  border: 1px solid var(--gray-200);
}
.land-stat-box .val {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.land-stat-box .lbl { font-size: 0.7rem; color: var(--text-muted); margin-top: 4px; }
.land-listing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
.land-card-link {
  display: block;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  transition: all var(--transition);
}
.land-card-link:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.land-card-link h3 { font-size: 0.97rem; margin-bottom: 4px; color: var(--navy); }
.land-card-link p { font-size: 0.78rem; }
.land-wappen { font-size: 1.8rem; margin-bottom: var(--space-3); }

/* === HIGHLIGHT BOX === */
.highlight-box {
  background: var(--navy-xlight);
  border-left: 3px solid var(--navy);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: var(--space-4) var(--space-6);
  margin: var(--space-6) 0;
}
.highlight-box-gold {
  background: var(--gold-xlight);
  border-left-color: var(--gold);
}

/* === TABLES === */
table { width: 100%; border-collapse: collapse; font-size: 0.875rem; }
thead th {
  background: var(--navy);
  color: var(--white);
  padding: var(--space-3) var(--space-4);
  text-align: left;
  font-weight: 600;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
}
tbody td {
  padding: var(--space-3) var(--space-4);
  border-bottom: 1px solid var(--gray-200);
  color: var(--text);
}
tbody tr:hover { background: var(--off-white); }
tbody tr:last-child td { border-bottom: none; }

/* === RESPONSIVE === */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
  .related-links-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .land-listing-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  body { padding-bottom: 76px; }
  .nav-links, .nav-cta .btn-primary { display: none; }
  .nav-hamburger { display: flex; }
  .hero-stats { max-width: 100%; }
  .hero-stat-value { font-size: 1.45rem; }
  .hero-stat { padding: var(--space-4); }
  .split-section { grid-template-columns: 1fr; gap: var(--space-10); }
  .split-section.reverse .split-img, .split-section.reverse .split-content { order: unset; }
  .sim-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .stats-bar-grid { grid-template-columns: repeat(2, 1fr); }
  .sticky-footer-text { display: none; }
  .sticky-footer-inner { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .services-grid { grid-template-columns: 1fr; }
  .land-grid { grid-template-columns: 1fr; }
  .land-listing-grid { grid-template-columns: 1fr; }
  .split-img img { height: 320px; }
  .split-img-badge { bottom: 10px; right: 10px; font-size: 1.05rem; padding: var(--space-3) var(--space-4); }
  .trust-strip-inner { gap: var(--space-6); }
}

@media (max-width: 480px) {
  .hero-buttons { flex-direction: column; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .btn-lg { width: 100%; justify-content: center; }
  .hero-stats { grid-template-columns: 1fr 1fr 1fr; }
  .buba-rates { gap: var(--space-4); }
  .related-links-grid { grid-template-columns: repeat(2, 1fr); }
}

/* === MOBILE NAV - clair === */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  top: 70px;
  background: var(--white);
  z-index: 999;
  flex-direction: column;
  padding: var(--space-6);
  gap: 0;
  transform: translateX(-100%);
  transition: transform 0.35s ease;
  border-top: 1px solid var(--gray-200);
  overflow-y: auto;
}
.mobile-nav.open { transform: translateX(0); display: flex; }
.mobile-nav a {
  font-size: 1rem;
  color: var(--text);
  font-weight: 500;
  padding: var(--space-4) var(--space-2);
  border-bottom: 1px solid var(--gray-100);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  transition: color var(--transition);
}
.mobile-nav a svg { stroke: var(--gray-400); }
.mobile-nav a:hover { color: var(--navy); }
.mobile-nav a:hover svg { stroke: var(--navy); }