:root{
  --blue:#86bee8;
  --dark:#30343b;
  --text:#3a3a3a;
  --muted:#707070;
  --light:#f6f8fb;
  --border:#e5e8ed;
  --max:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial, Helvetica, sans-serif;color:var(--text);line-height:1.65;background:#fff}
a{color:#4e9bd0;text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20;box-shadow:0 2px 12px rgba(0,0,0,.03)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:82px}
.brand{display:flex;align-items:center;gap:12px;color:var(--dark);font-weight:bold;text-transform:uppercase;letter-spacing:.04em}
.brand:hover{text-decoration:none}
.brand-mark{display:grid;place-items:center;width:54px;height:54px;border:2px solid var(--blue);border-radius:50%;color:var(--blue);font-size:17px}
.brand-text{font-size:14px;line-height:1.15}
.nav{display:flex;gap:4px;align-items:center}
.nav a{display:block;padding:26px 14px;color:#30343b;font-size:14px;text-transform:uppercase;letter-spacing:.02em}
.nav a:hover{background:var(--light);text-decoration:none;color:#2e8cc5}
.dropdown{position:relative}
.dropdown-menu{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:250px;border:1px solid var(--border);box-shadow:0 12px 30px rgba(0,0,0,.12)}
.dropdown-menu a{padding:10px 14px;text-transform:none;border-bottom:1px solid var(--border)}
.dropdown:hover .dropdown-menu{display:block}
.nav-toggle{display:none;border:1px solid var(--border);background:#fff;border-radius:4px;padding:8px 12px}
.hero{position:relative;min-height:430px;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;}
.hero-content{position:relative;text-align:center}
.hero h1{font-size:44px;line-height:1.1;margin:0 0 12px;text-transform:uppercase;font-weight:300}
.hero p{font-size:22px;margin:0;color:#eef7ff}
.cards{padding-top:52px;padding-bottom:26px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.card{background:#fff;border:1px solid var(--border);box-shadow:0 12px 30px rgba(0,0,0,.06)}
.feature img{width:100%;height:210px;object-fit:cover;display:block}
.feature div{padding:24px}
h1,h2,h3{color:#3c4148;font-weight:300;line-height:1.22}
h1{font-size:38px;margin:0 0 22px}
h2{font-size:30px;margin:0 0 16px}
h3{font-size:22px;margin:24px 0 10px}
p{margin:0 0 16px}
.callout{background:var(--light);text-align:center;padding:42px 0;margin-top:22px}
.call-icon{width:95px;height:95px;object-fit:contain;margin-bottom:10px}
.section-title{text-align:center;margin:40px 0 30px}
.insurance-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding-bottom:54px}





.goal{background:#4e9bd0;color:#fff;text-align:center;padding:52px 0}
.goal h2,.goal h3{color:#fff;margin:0}
.goal h2{font-size:28px}
.goal h3{font-size:34px}
.page{padding-top:58px;padding-bottom:70px;max-width:900px}
.page h1{border-bottom:1px solid var(--border);padding-bottom:16px}
.page ul{padding-left:20px}
.page li{margin:3px 0}
.page hr{border:0;border-top:1px solid var(--border);margin:30px 0}
.meta{font-size:13px;color:var(--muted)}
.lead{font-size:24px;color:#606875}
.news-list{display:grid;gap:26px}
.news-item{display:grid;grid-template-columns:210px 1fr;gap:24px;border-bottom:1px solid var(--border);padding-bottom:26px}
.news-item img{width:210px;height:135px;object-fit:cover;background:var(--light)}
.calculator-box,.contact-card,.notice{border:1px solid var(--border);background:var(--light);padding:24px;margin:24px 0}
.button{display:inline-block;background:#4e9bd0;color:#fff;padding:11px 18px;border-radius:3px;text-decoration:none}
.button:hover{background:#367eaf;text-decoration:none}
.legal h2{font-size:24px;margin-top:28px}
.legal h3{font-size:20px}
.footer{border-top:1px solid var(--border);background:#f3f5f8;padding:34px 0;color:#555}
.footer-grid{display:flex;justify-content:space-between;gap:30px}
.footer h3{margin-top:0;font-size:20px}
.footer-links{display:flex;gap:16px;align-items:flex-end}
@media (max-width: 820px){
  .header-inner{min-height:70px;align-items:flex-start;padding-top:12px;padding-bottom:12px}
  .nav-toggle{display:block;margin-top:10px}
  #mainnav{display:none;width:100%}
  body.nav-open #mainnav{display:block}
  .header-inner{flex-wrap:wrap}
  .nav{display:block;border-top:1px solid var(--border);margin-top:12px}
  .nav a{padding:12px 0}
  .dropdown-menu{display:block;position:static;box-shadow:none;border:0;padding-left:14px}
  .hero{min-height:330px}
  .hero h1{font-size:32px}
  .two,.insurance-grid,.news-item{grid-template-columns:1fr}
  .news-item img{width:100%;height:190px}
  .footer-grid{display:block}
  .footer-links{align-items:flex-start;flex-direction:column}
}

.brand-logo{height:62px;width:auto;display:block;max-width:100%;}

.insurance-card::before,.insurance-card::after{display:none!important;content:none!important;}

.insurance-card{
  text-align:center;
  border:0;
  padding:42px 18px 34px;
  background:#333b40;
  color:#ffffff;
  transition:.2s ease;
  min-height:260px;
  box-shadow:none;
}
.insurance-card:hover{
  box-shadow:0 15px 35px rgba(0,0,0,.12);
  transform:translateY(-3px);
  text-decoration:none;
  background:#30383d;
}
.insurance-card img{
  width:92px;
  height:92px;
  object-fit:contain;
  margin:0 auto 28px;
  display:block;
  filter:none!important;
  opacity:1!important;
  mix-blend-mode:normal!important;
}
.insurance-card h3{
  margin:0 0 10px;
  font-size:20px;
  color:#ffffff;
}
.insurance-card span{
  color:#86bee8;
}
.insurance-card::before,
.insurance-card::after{
  display:none!important;
  content:none!important;
}

.insurance-calculator{
  background:#f6f8fb;
  border:1px solid #e5e8ed;
  padding:24px;
  margin:28px 0;
}
.insurance-calculator iframe{
  width:100%;
  min-height:760px;
  border:0;
  background:#fff;
}




/* Modernisierte Unterseiten */
.page-shell{
  background:linear-gradient(180deg,#f7f9fc 0%,#ffffff 320px);
  padding:44px 0 72px;
}
.modern-page{
  max-width:980px;
  background:#ffffff;
  border:1px solid #e7ebf0;
  border-radius:16px;
  box-shadow:0 18px 45px rgba(31,43,54,.08);
  padding:52px 58px;
}
.modern-page h1{
  border-bottom:0;
  padding-bottom:0;
  margin-bottom:10px;
  font-size:42px;
  letter-spacing:-.03em;
  color:#303840;
}
.modern-page h1::after{
  content:"";
  display:block;
  width:86px;
  height:3px;
  background:#86bee8;
  margin-top:22px;
  border-radius:99px;
}
.modern-page h2{
  margin-top:34px;
  font-size:30px;
  color:#303840;
}
.modern-page h3{
  margin-top:30px;
  font-size:23px;
  color:#303840;
}
.modern-page p{
  font-size:17px;
  line-height:1.78;
}
.modern-page .meta{
  display:inline-block;
  color:#7f8994;
  font-size:14px;
  margin:4px 0 18px;
}
.modern-page .lead{
  font-size:23px;
  line-height:1.55;
  color:#4e5a65;
  background:#f6f8fb;
  border-left:4px solid #86bee8;
  padding:20px 24px;
  border-radius:10px;
}
.modern-page ul{
  background:#f8fafc;
  border:1px solid #e7ebf0;
  border-radius:12px;
  padding:22px 26px 22px 44px;
  margin:20px 0;
}
.modern-page li{
  margin:8px 0;
}
.modern-page hr{
  border:0;
  border-top:1px solid #e7ebf0;
  margin:36px 0;
}
.modern-page a:not(.button):not(.calculator-button){
  color:#3f95ce;
  font-weight:600;
}
.calculator-cta{
  background:linear-gradient(135deg,#303840 0%,#3c464e 100%);
  color:#ffffff;
  border:0;
  border-radius:16px;
  padding:42px;
  text-align:center;
  margin:42px 0;
  box-shadow:0 16px 36px rgba(31,43,54,.18);
}
.calculator-cta h3{
  color:#ffffff;
  margin-top:0;
}
.calculator-cta p{
  color:#eaf3fa;
  max-width:720px;
  margin:0 auto 26px;
}
.calculator-button{
  display:inline-block;
  background:#86bee8;
  color:#1f2a33 !important;
  padding:17px 34px;
  font-size:20px;
  font-weight:700;
  border-radius:999px;
  text-decoration:none;
  transition:.2s ease;
}
.calculator-button:hover{
  background:#ffffff;
  color:#1f2a33 !important;
  text-decoration:none;
  transform:translateY(-2px);
}
.news-list{
  gap:30px;
}
.news-item{
  background:#ffffff;
  border:1px solid #e7ebf0;
  border-radius:14px;
  padding:22px;
  box-shadow:0 10px 28px rgba(31,43,54,.06);
}
.contact-card,.notice{
  border:1px solid #e7ebf0;
  border-radius:14px;
  background:#f8fafc;
}
@media (max-width:820px){
  .page-shell{
    padding:22px 0 44px;
  }
  .modern-page{
    padding:30px 24px;
    border-radius:12px;
  }
  .modern-page h1{
    font-size:32px;
  }
  .modern-page p{
    font-size:16px;
  }
  .calculator-cta{
    padding:30px 22px;
  }
  .calculator-button{
    width:100%;
    text-align:center;
    font-size:18px;
    padding:15px 20px;
  }
}


/* Moderne Aktuell-Seite */
.aktuell-shell{
  background:linear-gradient(180deg,#f4f7fb 0%,#ffffff 420px);
}
.aktuell-page{
  max-width:1120px;
  background:transparent;
  border:0;
  box-shadow:none;
  padding:0 24px;
}
.news-hero{
  background:linear-gradient(135deg,#303840 0%,#45515b 100%);
  color:#ffffff;
  border-radius:22px;
  padding:54px 58px;
  margin-bottom:34px;
  box-shadow:0 20px 52px rgba(31,43,54,.18);
}
.news-hero .eyebrow{
  margin:0 0 10px;
  color:#86bee8;
  text-transform:uppercase;
  letter-spacing:.18em;
  font-size:13px;
  font-weight:700;
}
.news-hero h1{
  color:#ffffff;
  margin:0 0 14px;
  font-size:46px;
  border:0;
  padding:0;
}
.news-hero h1::after{
  display:none;
}
.news-intro{
  max-width:720px;
  color:#edf6fc;
  font-size:20px;
  line-height:1.6;
  margin:0;
}
.aktuell-page .news-list{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}
.aktuell-page .news-item{
  display:flex;
  flex-direction:column;
  gap:0;
  background:#ffffff;
  border:1px solid #e7ebf0;
  border-radius:18px;
  padding:0;
  overflow:hidden;
  box-shadow:0 14px 36px rgba(31,43,54,.08);
  transition:.22s ease;
}
.aktuell-page .news-item:hover{
  transform:translateY(-4px);
  box-shadow:0 18px 44px rgba(31,43,54,.13);
}
.aktuell-page .news-item img{
  width:100%;
  height:240px;
  object-fit:cover;
  display:block;
  background:#eef3f7;
}
.aktuell-page .news-item > div{
  padding:26px 26px 28px;
}
.aktuell-page .news-item h2,
.aktuell-page .news-item h3{
  margin-top:0;
  font-size:24px;
  line-height:1.25;
  color:#303840;
}
.aktuell-page .news-item p{
  font-size:16px;
  line-height:1.68;
  color:#56616b;
}
.aktuell-page .news-item .meta{
  color:#87929e;
  font-size:13px;
  margin-bottom:10px;
}
.aktuell-page .news-item a.button,
.aktuell-page .news-item .button{
  margin-top:auto;
  border-radius:999px;
}
@media (max-width:1050px){
  .aktuell-page .news-list{
    grid-template-columns:repeat(2,1fr);
  }
}
@media (max-width:720px){
  .aktuell-page{
    padding:0 18px;
  }
  .news-hero{
    padding:36px 28px;
    border-radius:18px;
  }
  .news-hero h1{
    font-size:34px;
  }
  .news-intro{
    font-size:17px;
  }
  .aktuell-page .news-list{
    grid-template-columns:1fr;
    gap:22px;
  }
  .aktuell-page .news-item img{
    height:220px;
  }
}

.rechner-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:40px 0}
.rechner-card{background:#303840;color:#fff;padding:35px;border-radius:16px;text-decoration:none;box-shadow:0 12px 30px rgba(0,0,0,.12)}
.rechner-card:hover{background:#3c4650;text-decoration:none}
.rechner-card h3{color:#86bee8;margin:0 0 12px}
.rechner-card p{color:#fff;margin:0}
@media(max-width:800px){.rechner-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:40px 0}}

.kontakt-card-link{background:#3c4650}
.kontakt-card-link h3{color:#ffffff}
.kontakt-card-link p{color:#cfeeff}
@media(max-width:1050px){.rechner-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:800px){.rechner-grid{grid-template-columns:1fr}}


/* Finale Versicherungs-Landingpage */
.versicherungen-landing .modern-page{max-width:1080px}
.rechner-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:42px 0}
.rechner-card{display:block;background:linear-gradient(135deg,#303840 0%,#3c4650 100%);color:#fff;padding:34px 30px;border-radius:16px;text-decoration:none;box-shadow:0 12px 30px rgba(0,0,0,.12);transition:.22s ease;min-height:150px}
.rechner-card:hover{transform:translateY(-4px);background:linear-gradient(135deg,#3a444d 0%,#46525c 100%);text-decoration:none}
.rechner-card h3{color:#86bee8;margin:0 0 12px;font-size:23px}
.rechner-card p{color:#fff;margin:0;font-size:16px}
.kontakt-card-link{background:linear-gradient(135deg,#4e9bd0 0%,#86bee8 100%)}
.kontakt-card-link h3{color:#1f2a33}
.kontakt-card-link p{color:#1f2a33}
@media(max-width:1050px){.rechner-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:800px){.rechner-grid{grid-template-columns:1fr}}


/* Upload-Final: Versicherungsseite Feinschliff */
.versicherungen-landing .modern-page{
  max-width:1040px;
}
.versicherungen-landing .lead{
  font-size:22px;
}
.rechner-grid{
  display:grid !important;
  grid-template-columns:repeat(2,1fr) !important;
  gap:24px !important;
  margin:42px 0 !important;
}
.rechner-card,
.kontakt-card-link{
  display:block;
  background:linear-gradient(135deg,#303840 0%,#3c4650 100%) !important;
  color:#fff !important;
  padding:34px 30px !important;
  border-radius:16px !important;
  text-decoration:none !important;
  box-shadow:0 12px 30px rgba(0,0,0,.12) !important;
  transition:.22s ease !important;
  min-height:150px !important;
}
.rechner-card:hover,
.kontakt-card-link:hover{
  transform:translateY(-5px);
  box-shadow:0 18px 40px rgba(0,0,0,.18) !important;
  background:linear-gradient(135deg,#3a444d 0%,#46525c 100%) !important;
  text-decoration:none !important;
}
.rechner-card h3,
.kontakt-card-link h3{
  color:#86bee8 !important;
  margin:0 0 14px !important;
  font-size:23px !important;
}
.rechner-card p,
.kontakt-card-link p{
  color:#fff !important;
  margin:0 !important;
  font-size:16px !important;
  font-weight:700;
}
.versicherungen-landing .calculator-cta{
  padding:34px 38px !important;
  margin-top:36px !important;
}
.versicherungen-landing .calculator-cta h3{
  font-size:25px !important;
  margin-bottom:12px !important;
}
.versicherungen-landing .calculator-cta p{
  margin-bottom:22px !important;
}
@media(max-width:800px){
  .rechner-grid{
    grid-template-columns:1fr !important;
  }
  .rechner-card,
  .kontakt-card-link{
    padding:28px 24px !important;
    min-height:auto !important;
  }
}


/* Startseite Mockup oben + bestehende Inhalte erhalten */
.home-hero{
  max-width:1280px;
  margin:52px auto 34px;
  padding:0 36px;
}
.home-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.14fr) minmax(360px,.86fr);
  gap:58px;
  align-items:center;
}
.home-hero-image img{
  width:100%;
  aspect-ratio:1.28/1;
  object-fit:cover;
  display:block;
  border-radius:16px;
  box-shadow:0 18px 46px rgba(31,43,54,.12);
}
.home-kicker{
  color:#2e8ccf;
  font-size:14px;
  letter-spacing:.08em;
  font-weight:800;
  margin:0 0 18px;
}
.home-hero-copy h1{
  font-size:52px;
  line-height:1.12;
  letter-spacing:-.045em;
  margin:0 0 22px;
  color:#1f2a3a;
  font-weight:800;
  max-width:560px;
}
.home-line{
  display:block;
  width:46px;
  height:3px;
  background:#2e8ccf;
  border-radius:999px;
  margin:0 0 26px;
}
.home-text{
  font-size:18px;
  line-height:1.75;
  color:#2f3a46;
  max-width:560px;
  margin:0 0 6px;
}
.home-text.small{margin-bottom:26px}
.home-button{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-width:190px;
  padding:15px 28px;
  background:#2e8ccf;
  color:#fff !important;
  border-radius:16px;
  text-decoration:none;
  font-weight:800;
  box-shadow:0 10px 24px rgba(46,140,207,.24);
}
.home-benefits{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  margin-top:50px;
  background:rgba(247,250,253,.82);
  border:1px solid #dfeaf4;
  border-radius:16px;
  box-shadow:0 14px 36px rgba(31,43,54,.06);
  overflow:hidden;
}
.benefit-card{
  display:grid;
  grid-template-columns:66px 1fr;
  gap:18px;
  align-items:start;
  padding:30px 26px;
  border-right:1px solid #e5eef6;
}
.benefit-card:last-child{border-right:0}
.benefit-icon{
  width:58px;
  height:58px;
  border-radius:50%;
  background:#eaf4fc;
  color:#2e8ccf;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:28px;
  font-weight:800;
}
.benefit-card h3{
  font-size:17px;
  margin:0 0 8px;
  color:#1f2a3a;
  font-weight:800;
}
.benefit-card p{
  font-size:15px;
  line-height:1.55;
  margin:0;
  color:#4e5a66;
}
@media(max-width:1100px){
  .home-hero-grid{grid-template-columns:1fr;gap:34px}
  .home-hero-copy h1{font-size:44px}
  .home-benefits{grid-template-columns:repeat(2,1fr)}
  .benefit-card:nth-child(2){border-right:0}
  .benefit-card:nth-child(1),.benefit-card:nth-child(2){border-bottom:1px solid #e5eef6}
}
@media(max-width:700px){
  .home-hero{margin:28px auto 20px;padding:0 18px}
  .home-hero-copy h1{font-size:34px;letter-spacing:-.03em}
  .home-text{font-size:16px}
  .home-benefits{grid-template-columns:1fr;margin-top:28px}
  .benefit-card{border-right:0;border-bottom:1px solid #e5eef6;padding:24px 22px}
  .benefit-card:last-child{border-bottom:0}
}


/* Startseite: sechs Versicherungskacheln */
.home-insurance-section{
  padding:58px 0 30px;
}
.home-section-head{
  max-width:760px;
  margin:0 auto 34px;
  text-align:center;
}
.home-section-head h2{
  font-size:38px;
  line-height:1.15;
  letter-spacing:-.035em;
  font-weight:800;
  color:#1f2a3a;
  margin:0 0 14px;
}
.home-section-head p{
  font-size:18px;
  line-height:1.65;
  color:#56616b;
  margin:0;
}
.home-insurance-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
.home-insurance-card{
  display:block;
  background:linear-gradient(135deg,#303840 0%,#3c4650 100%);
  color:#fff !important;
  border-radius:18px;
  padding:30px 28px;
  min-height:210px;
  text-decoration:none !important;
  box-shadow:0 14px 34px rgba(31,43,54,.13);
  transition:.22s ease;
}
.home-insurance-card:hover{
  transform:translateY(-5px);
  box-shadow:0 20px 44px rgba(31,43,54,.18);
  text-decoration:none !important;
}
.home-insurance-card.advice{
  background:linear-gradient(135deg,#2e8ccf 0%,#86bee8 100%);
}
.home-insurance-card.advice h3,
.home-insurance-card.advice p{
  color:#1f2a3a !important;
}
.tile-icon{
  width:52px;
  height:52px;
  border-radius:50%;
  background:rgba(134,190,232,.18);
  color:#86bee8;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:900;
  font-size:22px;
  margin-bottom:22px;
}
.home-insurance-card.advice .tile-icon{
  background:rgba(255,255,255,.45);
  color:#1f2a3a;
}
.home-insurance-card h3{
  color:#86bee8;
  font-size:22px;
  line-height:1.25;
  font-weight:800;
  margin:0 0 12px;
}
.home-insurance-card p{
  color:#fff;
  font-size:16px;
  line-height:1.5;
  font-weight:700;
  margin:0;
}
@media(max-width:1050px){
  .home-insurance-grid{
    grid-template-columns:repeat(2,1fr);
  }
}
@media(max-width:720px){
  .home-insurance-section{
    padding:38px 0 20px;
  }
  .home-section-head h2{
    font-size:30px;
  }
  .home-insurance-grid{
    grid-template-columns:1fr;
  }
}


/* Fix: echte Icons und lokales Hero-Bild */
.tile-icon img{
  width:34px;
  height:34px;
  object-fit:contain;
  display:block;
  filter:none !important;
  opacity:1 !important;
}
.home-insurance-card.advice .tile-icon img{
  filter:brightness(0) saturate(0) opacity(.85) !important;
}
.home-hero-image img{
  background:#eef3f7;
}


/* Icons auf der Versicherungsseite */
.rechner-icon{
  width:58px;
  height:58px;
  border-radius:50%;
  background:rgba(134,190,232,.18);
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 0 22px;
}
.rechner-icon img{
  width:36px;
  height:36px;
  object-fit:contain;
  display:block;
  filter:none !important;
  opacity:1 !important;
}
.kontakt-card-link .rechner-icon{
  background:rgba(255,255,255,.48);
}
.kontakt-card-link .rechner-icon img{
  filter:brightness(0) saturate(0) opacity(.82) !important;
}
.rechner-card h3{
  margin-top:0 !important;
}


/* SEO FAQ */
.faq-section{
  margin-top:44px;
  padding-top:28px;
  border-top:1px solid #e7ebf0;
}
.faq-section h2{
  font-weight:800;
  letter-spacing:-.02em;
}
.faq-item{
  background:#f8fafc;
  border:1px solid #e7ebf0;
  border-radius:14px;
  padding:22px 24px;
  margin:16px 0;
}
.faq-item h3{
  margin:0 0 8px;
  font-size:20px;
  font-weight:800;
}
.faq-item p{
  margin:0;
}