:root {
  --blue: #1a4571;
  --blue-dark: #0f2d4d;
  --blue-light: #eaf0f6;
  --surface: #f6f8fb;
  --text: #22282e;
  --text-muted: #566069;
  --border: #d5dbe2;
  --border-strong: #b9c2cc;
  --white: #ffffff;
  --accent: #2f6fb0;
  --shadow-sm: 0 1px 3px rgba(15, 45, 77, .07), 0 1px 2px rgba(15, 45, 77, .04);
  --shadow-md: 0 10px 30px rgba(15, 45, 77, .12);
  --radius: 10px;
  --radius-sm: 7px;
  --ease: 200ms cubic-bezier(.4, 0, .2, 1);
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  color-scheme: light;
}

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

/* Sichtbarer Tastatur-Fokus (Accessibility) */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 3px;
}

/* Maus-Klicks behalten kein störendes Outline */
:focus:not(:focus-visible) { outline: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

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

/* Sanftes Einblenden beim Scrollen (nur aktiv, wenn JS läuft) */
.js-reveal .reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .55s cubic-bezier(.4, 0, .2, 1),
              transform .55s cubic-bezier(.4, 0, .2, 1);
  transition-delay: var(--reveal-delay, 0ms);
  will-change: opacity, transform;
}

.js-reveal .reveal.reveal-in {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  .js-reveal .reveal { opacity: 1; transform: none; transition: none; }
}

body {
  margin: 0;
  font-family: "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  font-size: 15.5px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

::selection { background: var(--blue-light); color: var(--blue-dark); }

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; transition: color var(--ease); }
a:hover { color: var(--accent); }

h1, h2, h3, h4 {
  color: var(--blue-dark);
  margin: 0 0 .5em;
  font-weight: 700;
  letter-spacing: -.01em;
}

h1 { line-height: 1.18; }
h2 { line-height: 1.25; }

/* Disclaimer bar */
.disclaimer-bar {
  background: var(--blue);
  color: #eaf1f9;
  text-align: center;
  font-size: .83rem;
  line-height: 1.5;
  padding: 10px 16px;
  letter-spacing: .005em;
}

.disclaimer-bar strong { color: var(--white); }

/* Header */
.site-header {
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(140%) blur(6px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 10;
  transition: box-shadow var(--ease);
}

.site-header.is-scrolled { box-shadow: 0 4px 18px rgba(15, 45, 77, .12); }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 20px;
  flex-wrap: wrap;
  gap: 12px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo-img {
  height: 60px;
  width: auto;
  display: block;
}

.main-nav {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
}

.main-nav a {
  color: var(--text);
  text-decoration: none;
  font-size: .92rem;
  font-weight: 500;
  padding: 4px 2px;
  border-bottom: 2px solid transparent;
  transition: color var(--ease), border-color var(--ease);
}

.main-nav a:hover { color: var(--blue); border-bottom-color: var(--blue); }

/* Hamburger toggle (nur mobil sichtbar) */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 0;
  background: none;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  cursor: pointer;
}

.nav-toggle-bar {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--blue-dark);
  border-radius: 2px;
  transition: transform .22s ease, opacity .22s ease;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Nav dropdown menu */
.nav-dropdown { position: relative; display: inline-flex; }

.nav-dropdown-toggle {
  font-family: inherit;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--text);
  font-size: .92rem;
  font-weight: 500;
  padding: 4px 2px;
  border-bottom: 2px solid transparent;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: color var(--ease), border-color var(--ease);
}

.nav-dropdown-toggle:hover,
.nav-dropdown:focus-within .nav-dropdown-toggle {
  color: var(--blue);
  border-bottom-color: var(--blue);
}

.nav-dropdown-caret { font-size: .62em; transition: transform var(--ease); }

.nav-dropdown:hover .nav-dropdown-caret,
.nav-dropdown:focus-within .nav-dropdown-caret { transform: rotate(180deg); }

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  min-width: 240px;
  max-width: 92vw;
  margin-top: 10px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--ease), transform var(--ease), visibility var(--ease);
  z-index: 20;
}

/* invisible hover bridge so the 10px gap doesn't close the menu */
.nav-dropdown-menu::before {
  content: "";
  position: absolute;
  top: -12px;
  left: 0;
  right: 0;
  height: 12px;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.nav-dropdown-menu a {
  display: block;
  padding: 9px 12px;
  border-radius: 4px;
  color: var(--text);
  text-decoration: none;
  font-size: .9rem;
  border-bottom: none;
  white-space: nowrap;
}

.nav-dropdown-menu a:hover {
  background: var(--blue-light);
  color: var(--blue-dark);
  border-bottom: none;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 11px 24px;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 600;
  font-size: .92rem;
  border: 1px solid var(--blue-dark);
  cursor: pointer;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease), color var(--ease);
}

.btn-primary {
  background: linear-gradient(180deg, var(--blue) 0%, var(--blue-dark) 100%);
  color: var(--white);
  box-shadow: 0 2px 6px rgba(15, 45, 77, .22);
}

.btn-primary:hover {
  background: linear-gradient(180deg, #235a93 0%, var(--blue) 100%);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(15, 45, 77, .26);
}

.btn-primary:active { transform: translateY(0); }

.btn-outline {
  background: var(--white);
  color: var(--blue-dark);
  border-color: var(--border-strong);
}

.btn-outline:hover {
  background: var(--blue-light);
  color: var(--blue-dark);
  border-color: var(--blue);
  transform: translateY(-2px);
}

.btn-outline:active { transform: translateY(0); }

.btn-block {
  display: block;
  text-align: center;
}

/* Hero */
.hero {
  padding: 56px 0 48px;
  background-color: var(--blue-light);
  background-image:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='26' height='26'%3E%3Ccircle cx='2' cy='2' r='1.3' fill='%231a4571' fill-opacity='0.10'/%3E%3C/svg%3E"),
    linear-gradient(180deg, var(--blue-light) 0%, var(--surface) 100%);
  border-bottom: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  right: -80px;
  top: -80px;
  width: 260px;
  height: 260px;
  background: radial-gradient(circle, rgba(47,111,176,.14) 0%, rgba(47,111,176,0) 70%);
  pointer-events: none;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--white);
  color: var(--blue);
  padding: 7px 16px;
  border: 1px solid var(--blue-light);
  border-radius: 999px;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  margin-bottom: 18px;
  box-shadow: var(--shadow-sm);
}

.hero h1 {
  font-size: 2.05rem;
  max-width: 820px;
}

.accent { color: var(--blue); }

.hero-lead {
  max-width: 720px;
  color: var(--text-muted);
  font-size: 1.08rem;
  line-height: 1.65;
}

.hero-actions {
  margin-top: 26px;
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* Info strip */
.info-strip {
  padding: 40px 0;
  background: var(--white);
}

.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.info-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease), transform var(--ease);
}

.info-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.info-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: var(--blue-light);
  color: var(--blue-dark);
  font-weight: 700;
  font-size: 1rem;
  border-radius: 999px;
  margin-bottom: 12px;
}

.info-card p { color: var(--text-muted); }

/* Section */
.section {
  padding: 60px 0;
}

.section h2 { font-size: 1.5rem; }

.section-alt {
  background-color: var(--surface);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='26' height='26'%3E%3Ccircle cx='2' cy='2' r='1.3' fill='%231a4571' fill-opacity='0.05'/%3E%3C/svg%3E");
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.eyebrow {
  display: inline-block;
  color: var(--blue);
  font-weight: 700;
  font-size: .76rem;
  letter-spacing: .09em;
  text-transform: uppercase;
  margin-bottom: 10px;
  padding-bottom: 6px;
  border-bottom: 2px solid var(--blue-light);
}

.eyebrow-light { color: var(--white); }

.section-lead {
  color: var(--text-muted);
  max-width: 700px;
}

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 24px;
}

.step {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease), transform var(--ease);
}

.step:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.step-icon { font-size: 1.7rem; margin-bottom: 10px; }

.step h4 { font-size: 1rem; }

.step p {
  color: var(--text-muted);
  font-size: .92rem;
  margin: 0;
}

/* Check grid */
.check-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}

.check-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.check-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  background: var(--blue-light);
  color: var(--blue);
  font-weight: 700;
  font-size: .95rem;
  border-radius: 999px;
  flex-shrink: 0;
}

.check-item h4 { font-size: 1rem; margin-bottom: 4px; }

.check-item p {
  color: var(--text-muted);
  font-size: .92rem;
  margin: 0;
}

/* CTA section */
.cta-section {
  background-color: var(--blue-dark);
  background-image:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Cpath d='M0 40L40 0M-10 10L10 -10M30 50L50 30' stroke='%23ffffff' stroke-opacity='0.05' stroke-width='1'/%3E%3C/svg%3E"),
    linear-gradient(135deg, var(--blue-dark) 0%, #143a63 100%);
  color: var(--white);
  position: relative;
}

.cta-section h2 { color: var(--white); }

.cta-section p { color: #d6e3f5; max-width: 700px; }

.cta-list {
  color: #d6e3f5;
  margin: 18px 0 24px;
  padding-left: 20px;
}

.cta-list li { margin-bottom: 6px; }

.cta-section .btn-primary {
  background: var(--white);
  color: var(--blue-dark);
  border-color: var(--white);
}

.cta-section .btn-primary:hover {
  background: var(--blue-light);
}

/* Ratgeber teaser grid */
.ratgeber-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 24px;
}

.ratgeber-card {
  display: block;
  position: relative;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  background: var(--white);
  text-decoration: none;
  color: inherit;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: box-shadow var(--ease), transform var(--ease), border-color var(--ease);
}

.ratgeber-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--accent));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--ease);
}

.ratgeber-card:hover {
  border-color: var(--border-strong);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.ratgeber-card:hover::before { transform: scaleX(1); }

.ratgeber-card h4 {
  color: var(--blue-dark);
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.ratgeber-card p {
  color: var(--text-muted);
  font-size: .92rem;
  margin: 0 0 12px;
}

.ratgeber-link {
  color: var(--blue);
  font-weight: 700;
  font-size: .85rem;
  text-decoration: none;
}

.ratgeber-card:hover .ratgeber-link { color: var(--accent); }

/* Glossary */
.glossary-term {
  border: 1px solid var(--border);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 12px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease);
  scroll-margin-top: 90px;
}

.glossary-term:hover { box-shadow: var(--shadow-md); }

.glossary-term h3 {
  margin: 0 0 6px;
  font-size: 1.08rem;
}

.glossary-term p {
  margin: 0;
  color: var(--text-muted);
  font-size: .95rem;
}

.glossary-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 20px 0 28px;
}

.glossary-nav a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 34px;
  padding: 6px 10px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  color: var(--blue-dark);
  font-weight: 700;
  font-size: .85rem;
  text-decoration: none;
  transition: background var(--ease), color var(--ease);
}

.glossary-nav a:hover { background: var(--blue-dark); color: var(--white); }

.glossary-group-letter {
  color: var(--blue);
  font-size: 1.3rem;
  margin: 28px 0 12px;
  border-bottom: 2px solid var(--blue-light);
  padding-bottom: 6px;
}

/* Blog post meta */
.post-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  font-size: .82rem;
  color: var(--text-muted);
  margin: 4px 0 18px;
}

.post-tag {
  display: inline-block;
  background: var(--blue-light);
  color: var(--blue-dark);
  font-weight: 700;
  font-size: .72rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 999px;
}

.post-meta .dot { color: var(--border-strong); }

.blog-card .post-tag { margin-bottom: 10px; }

/* Breadcrumb */
.breadcrumb {
  font-size: .82rem;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.breadcrumb a { color: var(--blue); }

/* Guide article layout */
.guide-article {
  max-width: 760px;
}

.guide-article h1 {
  font-size: 1.7rem;
  max-width: 100%;
}

.guide-article .lead {
  color: var(--text-muted);
  font-size: 1.05rem;
}

.guide-article h2 {
  font-size: 1.25rem;
  margin-top: 36px;
}

.guide-article h3 {
  font-size: 1.05rem;
  margin-top: 24px;
}

.guide-article p,
.guide-article li {
  color: var(--text-muted);
}

.guide-article ul,
.guide-article ol {
  padding-left: 22px;
}

.guide-article li { margin-bottom: 6px; }

.warning-box {
  border: 1px solid var(--border);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  background: var(--blue-light);
  padding: 18px 20px;
  margin: 24px 0;
  box-shadow: var(--shadow-sm);
}

.warning-box p:last-child { margin-bottom: 0; }

.warning-box strong { color: var(--blue-dark); }

.guide-steps {
  counter-reset: step;
  list-style: none;
  padding: 0;
  margin: 20px 0;
}

.guide-steps li {
  counter-increment: step;
  position: relative;
  padding: 16px 18px 16px 58px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease);
}

.guide-steps li:hover { box-shadow: var(--shadow-md); }

.guide-steps li::before {
  content: counter(step);
  position: absolute;
  left: 16px;
  top: 15px;
  width: 28px;
  height: 28px;
  background: var(--blue-dark);
  color: var(--white);
  font-weight: 700;
  font-size: .9rem;
  text-align: center;
  line-height: 28px;
  border-radius: 999px;
}

.guide-cta {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: linear-gradient(180deg, var(--blue-light) 0%, var(--surface) 100%);
  padding: 24px;
  margin-top: 36px;
  box-shadow: var(--shadow-sm);
}

.guide-cta p { color: var(--text); margin-top: 0; }

.related-guides {
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.related-guides h3 { font-size: 1.05rem; }

/* Fraud grid */
.fraud-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 24px;
}

.fraud-card {
  border: 1px solid var(--border);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: 22px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease), transform var(--ease), border-left-color var(--ease);
}

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

.fraud-card h4 { font-size: 1rem; margin-bottom: 6px; }

.fraud-card p {
  color: var(--text-muted);
  font-size: .92rem;
  margin: 0;
}

/* FAQ */
.faq-list {
  margin-top: 24px;
  max-width: 800px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-bottom: 10px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease);
}

.faq-item:hover { box-shadow: var(--shadow-md); }
.faq-item[open] { border-color: var(--border-strong); }

.faq-item summary {
  cursor: pointer;
  font-weight: bold;
  color: var(--blue-dark);
  list-style: none;
  text-decoration: none;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::before {
  content: "+";
  display: inline-block;
  width: 1.2em;
  color: var(--blue);
  font-weight: bold;
}

.faq-item[open] summary::before {
  content: "–";
}

.faq-item p {
  margin: 10px 0 2px 1.2em;
  color: var(--text-muted);
  font-size: .95rem;
}

/* Ueber uns */
.ueber-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  align-items: center;
}

.ueber-grid p { color: var(--text-muted); }

.ueber-grid > div:first-child a {
  display: inline-block;
  margin-top: 10px;
  font-weight: bold;
  text-decoration: none;
}

.ueber-stats {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 14px;
}

.stat-box {
  text-align: center;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 12px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease), transform var(--ease);
}

.stat-box:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.stat-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--blue);
  letter-spacing: -.02em;
}

.stat-label {
  font-size: .82rem;
  color: var(--text-muted);
  margin-top: 4px;
}

/* Legal page */
.legal-container {
  max-width: 720px;
}

.legal-container h1 { margin-bottom: 20px; }

.legal-container h3 {
  margin-top: 28px;
  font-size: 1.05rem;
}

.legal-container p {
  color: var(--text-muted);
}

/* Kontakt */
.kontakt-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 32px;
  align-items: start;
}

.kontakt-grid p { color: var(--text-muted); }

.kontakt-info p { margin: 4px 0; color: var(--text); }

.kontakt-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  background: linear-gradient(180deg, var(--blue-light) 0%, var(--surface) 100%);
  box-shadow: var(--shadow-sm);
}

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

.kontakt-benefits {
  list-style: none;
  padding: 0;
  margin: 14px 0 20px;
  color: var(--text);
}

.kontakt-benefits li { margin-bottom: 6px; }

/* Footer */
.site-footer {
  background-color: var(--blue-dark);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Cpath d='M0 40L40 0' stroke='%23ffffff' stroke-opacity='0.04' stroke-width='1'/%3E%3C/svg%3E");
  color: #d6dde6;
  margin-top: 40px;
  border-top: 4px solid;
  border-image: linear-gradient(90deg, var(--accent), var(--blue), var(--blue-dark)) 1;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr 1.1fr;
  gap: 28px;
  padding: 40px 20px 30px;
}

.footer-col h4 {
  color: var(--white);
  font-size: .95rem;
  margin-bottom: 12px;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-col li { margin-bottom: 7px; }

.footer-col a {
  color: #cdd6e1;
  text-decoration: none;
  font-size: .88rem;
}

.footer-col a:hover { color: var(--white); text-decoration: underline; }

.footer-col p {
  color: #b9c3cf;
  font-size: .88rem;
  margin: 4px 0;
}

.footer-logo-img {
  height: 54px;
  width: auto;
  display: block;
  margin-bottom: 12px;
}

.footer-brand p {
  color: #b9c3cf;
  font-size: .85rem;
  line-height: 1.5;
}

.footer-social {
  display: flex;
  gap: 10px;
  margin-top: 16px;
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 999px;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .16);
  color: #cdd6e1;
  text-decoration: none;
  transition: background var(--ease), color var(--ease), transform var(--ease), border-color var(--ease);
}

.footer-social a:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
  transform: translateY(-2px);
}

.footer-social svg { display: block; }

.footer-bottom {
  border-top: 1px solid #2c4663;
  padding: 16px 0;
}

.footer-bottom p {
  color: #9aa7b5;
  font-size: .78rem;
  margin: 0;
  line-height: 1.5;
}

.footer-inner p {
  color: var(--text-muted);
  font-size: .82rem;
  margin: 4px 0;
}

/* Responsive */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; gap: 24px 26px; }
}

@media (max-width: 800px) {
  .info-grid, .check-grid, .kontakt-grid, .fraud-grid, .ueber-grid, .ratgeber-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .ueber-stats { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 22px; }

  /* Mobile-Navigation als aufklappbares Menü */
  .header-inner { position: relative; }
  .nav-toggle { display: inline-flex; margin-left: auto; }
  .site-header .header-inner > .btn-primary { display: none; }

  .main-nav {
    order: 5;
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    width: 100%;
    flex-direction: column;
    gap: 0;
    background: var(--white);
    border-top: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    padding: 6px 0 10px;
    max-height: calc(100vh - 96px);
    overflow-y: auto;
  }

  .main-nav.open { display: flex; }

  .main-nav > a,
  .nav-dropdown-toggle {
    width: 100%;
    padding: 13px 22px;
    border-bottom: none;
    text-align: left;
    justify-content: flex-start;
    font-size: 1rem;
  }

  .main-nav > a:hover { background: var(--blue-light); border-bottom-color: transparent; }

  .nav-dropdown { display: block; width: 100%; }

  .nav-dropdown-menu {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    min-width: 0;
    max-width: none;
    width: 100%;
    margin: 0;
    padding: 0 0 4px;
    background: transparent;
    border: none;
    border-radius: 0;
    box-shadow: none;
  }

  .nav-dropdown-menu::before { display: none; }
  .nav-dropdown-menu a { padding: 10px 22px 10px 38px; white-space: normal; }
  .nav-dropdown-caret { display: none; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .steps { grid-template-columns: 1fr; }
}