/* ===============================================
   Festgeldanfrage v6 — Bold Red + Black
   Complete structural redesign · Outfit font
   =============================================== */

:root {
  /* Brand: Bold Red */
  --red:        #DC2626;
  --red-2:      #EF4444;
  --red-deep:   #991B1B;
  --red-darker: #7F1D1D;
  --red-soft:   #FEE2E2;
  --red-tint:   #FEF2F2;

  /* Mono dark */
  --black:      #0A0A0A;
  --black-2:    #171717;
  --black-3:    #262626;

  /* Surfaces */
  --bg:         #FFFFFF;
  --bg-alt:     #FAFAFA;
  --bg-light:   #F5F5F5;
  --bg-cream:   #FAF7F2;

  /* Text */
  --text:       #171717;
  --text-2:     #404040;
  --text-3:     #737373;
  --text-4:     #A3A3A3;

  /* Borders */
  --border:     #E5E5E5;
  --border-2:   #D4D4D4;

  /* Status */
  --success:    #16A34A;
  --danger:     #DC2626;
  --star:       #FACC15;

  /* Type */
  --font: "Outfit", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Geometry — sharper than before */
  --r-sm:  4px;
  --r-md:  8px;
  --r-lg:  12px;
  --r-xl:  20px;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.04);
  --shadow:    0 4px 12px rgba(0,0,0,0.06), 0 1px 3px rgba(0,0,0,0.04);
  --shadow-lg: 0 16px 36px rgba(0,0,0,0.08), 0 4px 12px rgba(0,0,0,0.04);
  --shadow-red: 0 8px 22px rgba(220,38,38,0.30);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-weight: 400;
  font-size: 16px;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--red); color: #fff; }
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  margin: 0;
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.025em;
  color: var(--text);
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===========================================
   ANNOUNCE — RED BAR
   =========================================== */
.announce {
  background: var(--red);
  color: #fff;
  font-size: 13px;
  padding: 9px 0;
  text-align: center;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.announce strong { font-weight: 800; }

/* ===========================================
   HEADER — WHITE with red accent
   =========================================== */
header {
  background: #fff;
  border-bottom: 3px solid var(--red);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 0 rgba(0,0,0,0.04);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 22px;
  color: var(--text);
  letter-spacing: -0.025em;
  flex-shrink: 0;
}
.logo .dot {
  width: 8px;
  height: 8px;
  background: var(--red);
  border-radius: 50%;
  display: inline-block;
  margin-left: 4px;
}

.nav-links {
  display: flex;
  gap: 36px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.nav-links a {
  color: var(--text-2);
  padding: 8px 0;
  position: relative;
  transition: color .2s;
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 0;
  bottom: 2px;
  height: 2px;
  background: var(--red);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .25s ease;
}
.nav-links a:hover { color: var(--text); }
.nav-links a:hover::after { transform: scaleX(1); }

.nav-cta {
  background: var(--red);
  color: #fff;
  padding: 12px 24px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: all .2s;
  white-space: nowrap;
  border: 2px solid var(--red);
}
.nav-cta:hover {
  background: transparent;
  color: var(--red);
}

.nav-toggle {
  display: none;
  background: var(--text);
  padding: 8px;
  cursor: pointer;
}
.nav-toggle svg { width: 24px; height: 24px; color: #fff; }

/* ===========================================
   HERO — WHITE / LIGHT background
   =========================================== */
.hero {
  background: #fff;
  color: var(--text);
  position: relative;
  overflow: hidden;
  padding: 80px 0 60px;
}
.hero::before {
  content: "";
  position: absolute;
  top: -200px; right: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(220,38,38,0.08), transparent 60%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -150px; left: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(220,38,38,0.05), transparent 60%);
  pointer-events: none;
}
.hero .container {
  position: relative;
  z-index: 2;
  text-align: center;
}
.hero-pre {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 16px;
  border: 1.5px solid var(--red);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--red-2);
  margin-bottom: 24px;
}
.hero-pre::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--red);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%,100% { opacity: 1; box-shadow: 0 0 0 0 rgba(220,38,38,0.7); }
  50% { opacity: 0.5; box-shadow: 0 0 0 8px rgba(220,38,38,0); }
}
.hero h1 {
  font-size: clamp(40px, 7vw, 84px);
  font-weight: 800;
  line-height: 0.98;
  letter-spacing: -0.04em;
  color: var(--text);
  margin: 0 auto 24px;
  max-width: 920px;
}
.hero h1 .accent {
  color: var(--red);
  position: relative;
  display: inline-block;
}
.hero h1 .strike {
  position: relative;
  display: inline-block;
}
.hero h1 .strike::before {
  content: "";
  position: absolute;
  left: -4%; right: -4%;
  top: 52%;
  height: 6px;
  background: var(--red);
  transform: rotate(-3deg);
}
.hero-lede {
  font-size: 18px;
  color: var(--text-2);
  margin: 0 auto 32px;
  max-width: 680px;
  line-height: 1.6;
}
.hero-chips {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 36px;
}
.hero-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: #fff;
  border: 1.5px solid var(--border);
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  box-shadow: var(--shadow-sm);
}
.hero-chip svg {
  width: 14px; height: 14px;
  color: var(--red);
  flex-shrink: 0;
}

/* HERO FORM CARD — centered below */
.hero-form-card {
  background: #fff;
  color: var(--text);
  padding: 32px;
  max-width: 640px;
  margin: 0 auto;
  position: relative;
  border: 1px solid var(--border);
  border-top: 6px solid var(--red);
  box-shadow: var(--shadow-lg);
}
.hero-form-card::before {
  content: "ANFRAGE";
  position: absolute;
  top: -34px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--red);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.18em;
  padding: 8px 18px;
}
.hero-form-card h3 {
  font-size: 24px;
  margin-bottom: 4px;
  text-align: center;
}
.hero-form-card .form-intro {
  text-align: center;
  font-size: 13.5px;
  color: var(--text-3);
  margin-bottom: 24px;
}
.hero-form .field { margin-bottom: 12px; }
.hero-form .row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 0;
}
.hero-form label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: var(--text-2);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.hero-form label .req { color: var(--red); }
.hero-form input,
.hero-form select {
  width: 100%;
  padding: 13px 14px;
  font-size: 14.5px;
  background: var(--bg-alt);
  border: 1.5px solid var(--border);
  color: var(--text);
  font-family: inherit;
  transition: all .15s;
}
.hero-form input::placeholder { color: var(--text-4); }
.hero-form input:focus,
.hero-form select:focus {
  outline: none;
  border-color: var(--red);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(220,38,38,0.10);
}
.hero-form .check {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  gap: 10px;
  align-items: flex-start;
  justify-content: flex-start;
  width: 100%;
  margin: 14px 0 18px;
  padding: 0;
  /* Reset inherited .hero-form label styles */
  font-size: 12.5px;
  font-weight: 400;
  letter-spacing: 0;
  text-transform: none;
  text-align: left;
  color: var(--text-3);
  line-height: 1.5;
}
.hero-form .check > span {
  flex: 1 1 auto;
  min-width: 0;
  word-break: break-word;
  display: inline-block;
}
.hero-form .check input {
  margin-top: 3px;
  accent-color: var(--red);
  flex-shrink: 0;
  width: auto;
  padding: 0;
  background: transparent;
  border: 0;
}
.hero-form .check a {
  color: var(--red);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}
.btn-primary {
  width: 100%;
  background: var(--red);
  color: #fff;
  padding: 16px;
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  transition: all .2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 2px solid var(--red);
}
.btn-primary svg { width: 18px; height: 18px; }
.btn-primary:hover {
  background: var(--black);
  border-color: var(--black);
}
.btn-primary:disabled { opacity: 0.6; cursor: not-allowed; }
.form-msg {
  margin-top: 12px;
  padding: 11px 14px;
  font-size: 13.5px;
  display: none;
}
.form-msg.show { display: block; }
.form-msg.error {
  background: var(--red-soft);
  color: var(--red-darker);
  border-left: 4px solid var(--red);
}

/* Buttons general */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  font-size: 13.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  transition: all .2s;
  white-space: nowrap;
  cursor: pointer;
  border: 2px solid transparent;
}
.btn svg { width: 16px; height: 16px; }
.btn-red {
  background: var(--red);
  color: #fff;
  border-color: var(--red);
}
.btn-red:hover {
  background: var(--red-deep);
  border-color: var(--red-deep);
}
.btn-outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.30);
}
.btn-outline-light:hover {
  border-color: var(--red);
  background: var(--red);
}

/* ===========================================
   BANK LIST — Same position, red accents
   =========================================== */
.banks-section {
  background: var(--bg-alt);
  padding: 70px 0 60px;
  position: relative;
}
.banks-section .section-head { margin-bottom: 44px; }

.bank-list {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.bank-item {
  background: #fff;
  border: 1px solid var(--border);
  padding: 26px 30px 18px;
  position: relative;
  transition: all .2s;
}
.bank-item:hover {
  border-color: var(--red);
  box-shadow: var(--shadow);
}
.bank-badge {
  position: absolute;
  top: -10px;
  left: 26px;
  background: var(--red);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  padding: 5px 14px 5px 12px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: 0 4px 10px rgba(220,38,38,0.30);
  text-transform: uppercase;
}
.bank-badge::before { content: "◆"; font-size: 9px; }

.bank-top {
  display: grid;
  grid-template-columns: 240px 1fr 180px;
  gap: 24px;
  align-items: center;
  margin-bottom: 16px;
}
.bi-logo {
  display: flex;
  align-items: center;
  gap: 14px;
}
.bi-logo-img {
  width: 50px;
  height: 50px;
  background: var(--bg-light);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
  border: 1px solid var(--border);
}
.bi-logo-img img {
  max-width: 42px;
  max-height: 42px;
  object-fit: contain;
}
.bi-logo-img.no-logo {
  background: var(--red);
  color: #fff;
  font-size: 22px;
  font-weight: 800;
  text-transform: uppercase;
  border: none;
}
.bi-text { min-width: 0; }
.bi-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 4px;
}
.bi-rating-line {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  color: var(--text-3);
  flex-wrap: wrap;
}
.bi-stars { color: var(--star); letter-spacing: 1px; font-size: 13px; }

.bi-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.metric-box {
  background: var(--bg-light);
  border: 1px solid var(--border);
  padding: 10px 12px;
}
.metric-box.primary {
  border-color: var(--red);
  background: var(--red-tint);
}
.metric-box .lbl {
  font-size: 11px;
  color: var(--text-3);
  font-weight: 600;
  margin-bottom: 4px;
  letter-spacing: 0.02em;
}
.metric-box .val {
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
.metric-box.primary .val { color: var(--red-deep); }

.bi-cta {
  background: var(--red);
  color: #fff;
  padding: 13px 22px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-align: center;
  transition: all .2s;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  white-space: nowrap;
  border: 2px solid var(--red);
}
.bi-cta:hover {
  background: var(--black);
  border-color: var(--black);
}

.bank-bottom {
  display: flex;
  justify-content: space-around;
  padding-top: 14px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
  gap: 10px;
}
.bb-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-2);
  font-weight: 500;
}
.bb-item svg {
  width: 16px; height: 16px;
  color: var(--red);
  flex-shrink: 0;
}

/* ===========================================
   STATS STRIP — moved to AFTER banks
   =========================================== */
.stats-strip {
  background: var(--black);
  padding: 50px 0;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.stats-strip::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 100%;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--red), transparent);
}
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item {
  position: relative;
  padding: 0 16px;
}
.stat-item + .stat-item::before {
  content: "";
  position: absolute;
  left: 0; top: 14%;
  bottom: 14%;
  width: 1px;
  background: rgba(255,255,255,0.15);
}
.stat-num {
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-num .unit {
  font-size: 0.55em;
  color: var(--red-2);
  font-weight: 700;
  margin-left: 2px;
}
.stat-label {
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  font-weight: 600;
  letter-spacing: 0.10em;
  text-transform: uppercase;
}

/* ===========================================
   SECTION COMMONS
   =========================================== */
.section { padding: 100px 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--black); color: #fff; }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}
.section-head .label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 800;
  color: var(--red);
  letter-spacing: 0.20em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.section-head .label::before,
.section-head .label::after {
  content: "";
  width: 24px;
  height: 1px;
  background: var(--red);
}
.section-head h2 {
  font-size: clamp(32px, 5vw, 52px);
  margin-bottom: 14px;
  letter-spacing: -0.03em;
  color: var(--text);
}
.section-dark .section-head h2 { color: #fff; }
.section-dark .section-head .label { color: var(--red-2); }
.section-dark .section-head p { color: rgba(255,255,255,0.65); }
.section-head p {
  color: var(--text-3);
  font-size: 17px;
  line-height: 1.6;
  margin: 0;
}

/* Trust strip */
.trust {
  background: #fff;
  border-bottom: 1px solid var(--border);
  border-top: 1px solid var(--border);
  padding: 22px 0;
}
.trust-row {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--text-2);
  font-weight: 600;
  letter-spacing: 0.02em;
}
.trust-item svg {
  width: 20px; height: 20px;
  color: var(--red);
  flex-shrink: 0;
}

/* ===========================================
   VORTEILE — ZIG-ZAG LAYOUT (NEW STRUCTURE)
   =========================================== */
.zigzag {
  display: flex;
  flex-direction: column;
  gap: 80px;
}
.zigzag-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.zigzag-row:nth-child(even) .zigzag-visual { order: 2; }
.zigzag-row:nth-child(even) .zigzag-content { order: 1; }
.zigzag-visual {
  position: relative;
  aspect-ratio: 1.2;
  background: var(--bg-light);
  display: grid;
  place-items: center;
  border: 1px solid var(--border);
  overflow: hidden;
}
.zigzag-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 30% 30%, rgba(220,38,38,0.10), transparent 50%),
    repeating-linear-gradient(45deg, transparent 0 30px, rgba(220,38,38,0.04) 30px 32px);
}
.zigzag-icon {
  position: relative;
  z-index: 1;
  width: 140px; height: 140px;
  background: var(--red);
  color: #fff;
  display: grid;
  place-items: center;
  box-shadow: 0 16px 36px rgba(220,38,38,0.30);
}
.zigzag-icon svg { width: 64px; height: 64px; }
.zigzag-num {
  position: absolute;
  top: 24px; left: 24px;
  font-size: clamp(64px, 10vw, 120px);
  font-weight: 800;
  color: rgba(220,38,38,0.10);
  line-height: 0.8;
  letter-spacing: -0.05em;
  z-index: 0;
  font-variant-numeric: tabular-nums;
}
.zigzag-content .zigzag-tag {
  display: inline-block;
  font-size: 12px;
  font-weight: 800;
  color: var(--red);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 14px;
  padding-left: 28px;
  position: relative;
}
.zigzag-content .zigzag-tag::before {
  content: "";
  position: absolute;
  left: 0; top: 50%;
  width: 20px;
  height: 2px;
  background: var(--red);
}
.zigzag-content h3 {
  font-size: clamp(28px, 4vw, 38px);
  margin-bottom: 16px;
  letter-spacing: -0.025em;
  line-height: 1.1;
}
.zigzag-content p {
  font-size: 16px;
  color: var(--text-2);
  line-height: 1.7;
  margin: 0 0 20px;
}
.zigzag-bullets {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}
.zigzag-bullets li {
  font-size: 14.5px;
  color: var(--text-2);
  padding-left: 28px;
  position: relative;
  font-weight: 500;
}
.zigzag-bullets li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--red);
  font-weight: 800;
  font-size: 16px;
}

/* ===========================================
   KONDITIONEN — TABLE/ROW LAYOUT (NEW)
   =========================================== */
.rate-table {
  background: #fff;
  border: 1px solid var(--border);
  overflow: hidden;
}
.rate-row {
  display: grid;
  grid-template-columns: 1fr 1.6fr 2fr 180px;
  align-items: center;
  padding: 22px 28px;
  gap: 20px;
  border-bottom: 1px solid var(--border);
  transition: background .15s;
}
.rate-row:last-child { border-bottom: none; }
.rate-row:hover { background: var(--bg-alt); }
.rate-row.featured {
  background: var(--black);
  color: #fff;
  position: relative;
}
.rate-row.featured::before {
  content: "TOP-ZINS";
  position: absolute;
  top: 8px; left: 28px;
  font-size: 10px;
  font-weight: 800;
  color: var(--red-2);
  letter-spacing: 0.18em;
}
.rate-row.featured:hover { background: var(--black-2); }
.rate-row.featured .rate-features li { color: rgba(255,255,255,0.70); }
.rate-row.featured .rate-row-cta { background: var(--red); color: #fff; border-color: var(--red); }
.rate-row.featured .rate-row-cta:hover { background: #fff; color: var(--black); border-color: #fff; }

.rate-term {
  font-size: 13px;
  font-weight: 800;
  color: var(--red);
  letter-spacing: 0.10em;
  text-transform: uppercase;
}
.rate-row.featured .rate-term { color: var(--red-2); }
.rate-big {
  display: flex;
  align-items: baseline;
  gap: 6px;
}
.rate-big .num {
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.rate-row.featured .rate-big .num { color: #fff; }
.rate-big .pct {
  font-size: clamp(20px, 2.5vw, 28px);
  font-weight: 700;
  color: var(--red);
}
.rate-big .meta {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 600;
  margin-left: 8px;
}
.rate-row.featured .rate-big .meta { color: rgba(255,255,255,0.55); }

.rate-features {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 18px;
}
.rate-features li {
  font-size: 13px;
  color: var(--text-2);
  padding-left: 20px;
  position: relative;
}
.rate-features li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--red);
  font-weight: 700;
}
.rate-row.featured .rate-features li::before { color: var(--red-2); }

.rate-row-cta {
  background: var(--bg-light);
  color: var(--text);
  border: 2px solid transparent;
  padding: 13px 18px;
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-align: center;
  transition: all .2s;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.rate-row-cta:hover {
  background: var(--red);
  color: #fff;
}

/* ===========================================
   CALCULATOR — VERTICAL FLOW (NEW STRUCTURE)
   =========================================== */
.calc-section {
  background: var(--bg-cream);
  padding: 100px 0;
}
.calc-vertical {
  max-width: 760px;
  margin: 0 auto;
}
.calc-input-stack {
  background: #fff;
  border: 1px solid var(--border);
  padding: 36px;
  margin-bottom: 28px;
  border-top: 4px solid var(--red);
}
.input-group { margin-bottom: 26px; }
.input-group:last-child { margin-bottom: 0; }
.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: var(--text-2);
  margin-bottom: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.input-group label .val {
  font-size: 22px;
  color: var(--red);
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  text-transform: none;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: var(--border);
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--red);
  border: 3px solid #fff;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(220,38,38,0.40);
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--red);
  border: 3px solid #fff;
  border-radius: 50%;
  cursor: pointer;
}
.range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--text-4);
  margin-top: 6px;
  font-weight: 600;
}
.quick-select {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.qs {
  padding: 12px 8px;
  background: var(--bg-alt);
  border: 1.5px solid var(--border);
  color: var(--text-2);
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s;
  letter-spacing: 0.02em;
}
.qs:hover { background: var(--red-tint); border-color: var(--red); color: var(--red); }
.qs.selected {
  background: var(--red);
  border-color: var(--red);
  color: #fff;
}

/* OUTPUT — big featured */
.calc-output-card {
  background: var(--black);
  color: #fff;
  padding: 44px 36px;
  position: relative;
  overflow: hidden;
}
.calc-output-card::before {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(220,38,38,0.20), transparent 60%);
}
.calc-output-card > * { position: relative; z-index: 1; }
.output-headline {
  font-size: 11px;
  color: var(--red-2);
  font-weight: 800;
  letter-spacing: 0.20em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.output-final {
  font-size: clamp(56px, 9vw, 96px);
  font-weight: 800;
  color: #fff;
  line-height: 0.95;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
  margin-bottom: 8px;
}
.output-final .euro { color: var(--red-2); margin-right: 8px; }
.output-sub {
  font-size: 15px;
  color: rgba(255,255,255,0.70);
  margin-bottom: 32px;
}
.output-sub strong { color: var(--red-2); }
.breakdown {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 26px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.breakdown-item .lbl {
  font-size: 11px;
  color: rgba(255,255,255,0.55);
  font-weight: 700;
  margin-bottom: 6px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
}
.breakdown-item .val {
  font-size: 24px;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  color: #fff;
}
.breakdown-item.gain .val { color: var(--red-2); }
.yearly-bars {
  margin-top: 30px;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.yearly-bars-label {
  font-size: 11px;
  color: rgba(255,255,255,0.55);
  font-weight: 700;
  margin-bottom: 14px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
}
.bars { display: flex; align-items: flex-end; gap: 6px; height: 80px; }
.bar {
  flex: 1;
  background: var(--red);
  transition: height .8s cubic-bezier(0.16, 1, 0.3, 1);
  min-height: 4px;
}
.bar-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 10px;
  color: rgba(255,255,255,0.55);
}
.calc-cta {
  display: block;
  margin-top: 30px;
  padding: 16px;
  background: var(--red);
  color: #fff;
  text-align: center;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: background .2s;
  border: 2px solid var(--red);
}
.calc-cta:hover { background: transparent; color: var(--red-2); }

/* ===========================================
   HOW IT WORKS — VERTICAL TIMELINE (NEW)
   =========================================== */
.how-vertical {
  max-width: 800px;
  margin: 0 auto;
  position: relative;
}
.how-vertical::before {
  content: "";
  position: absolute;
  left: 28px;
  top: 30px;
  bottom: 30px;
  width: 2px;
  background: linear-gradient(180deg, var(--red) 0%, var(--red-deep) 100%);
}
.how-step {
  position: relative;
  padding-left: 88px;
  margin-bottom: 48px;
}
.how-step:last-child { margin-bottom: 0; }
.how-step .num {
  position: absolute;
  left: 0; top: 0;
  width: 58px; height: 58px;
  background: var(--red);
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 22px;
  font-weight: 800;
  border: 4px solid var(--bg);
  box-shadow: 0 8px 18px rgba(220,38,38,0.35);
}
.how-step h3 {
  font-size: 24px;
  margin-bottom: 10px;
}
.how-step p {
  color: var(--text-2);
  font-size: 15.5px;
  line-height: 1.7;
  margin: 0;
}

/* ===========================================
   TESTIMONIALS — FEATURED + STACK (NEW)
   =========================================== */
.testimonial-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 24px;
}
.testimonial-stack {
  display: grid;
  gap: 24px;
}
.testimonial {
  background: #fff;
  padding: 32px 28px;
  border: 1px solid var(--border);
  position: relative;
  transition: all .2s;
}
.testimonial:hover {
  border-color: var(--red);
  box-shadow: var(--shadow);
}
.testimonial::before {
  content: "“";
  position: absolute;
  top: -24px;
  left: 24px;
  font-size: 70px;
  font-weight: 800;
  color: var(--red);
  line-height: 1;
  font-family: Georgia, serif;
}
.testimonial.featured {
  background: var(--black);
  color: #fff;
  padding: 48px 40px;
  border-color: var(--black);
}
.testimonial.featured::before {
  color: var(--red);
}
.testimonial.featured .t-quote {
  color: rgba(255,255,255,0.95);
  font-size: 22px;
  line-height: 1.5;
  font-weight: 500;
}
.testimonial.featured .t-author { border-top-color: rgba(255,255,255,0.15); }
.testimonial.featured .t-info .name { color: #fff; }
.testimonial.featured .t-info .role { color: rgba(255,255,255,0.55); }
.testimonial.featured .t-avatar {
  background: var(--red);
  color: #fff;
}
.t-stars {
  color: var(--star);
  letter-spacing: 2px;
  font-size: 16px;
  margin-bottom: 14px;
  margin-top: 18px;
}
.t-quote {
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.7;
  margin-bottom: 22px;
  font-weight: 500;
}
.t-author {
  display: flex;
  gap: 12px;
  align-items: center;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.t-avatar {
  width: 44px; height: 44px;
  background: var(--red);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 15px;
  flex-shrink: 0;
}
.t-info .name {
  font-weight: 700;
  font-size: 14px;
  color: var(--text);
}
.t-info .role {
  font-size: 12.5px;
  color: var(--text-3);
}

/* ===========================================
   FAQ — 2-COLUMN GRID (NEW)
   =========================================== */
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 20px;
}
details {
  background: #fff;
  border: 1px solid var(--border);
  transition: all .2s;
}
details[open] {
  border-color: var(--red);
  box-shadow: var(--shadow-sm);
}
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 22px;
  cursor: pointer;
  list-style: none;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--text);
  gap: 14px;
}
summary::-webkit-details-marker { display: none; }
summary .plus {
  width: 28px; height: 28px;
  border: 1.5px solid var(--border-2);
  display: grid;
  place-items: center;
  font-weight: 400;
  font-size: 14px;
  flex-shrink: 0;
  transition: all .25s;
  color: var(--text-3);
}
details[open] summary { color: var(--red); }
details[open] .plus {
  background: var(--red);
  color: #fff;
  border-color: var(--red);
  transform: rotate(45deg);
}
details > div {
  padding: 0 22px 22px;
  color: var(--text-2);
  font-size: 14.5px;
  line-height: 1.7;
}

/* ===========================================
   CTA Banner — DIAGONAL SLAB (NEW)
   =========================================== */
.cta-banner { padding: 90px 0; background: var(--bg); }
.cta-card {
  background: var(--black);
  color: #fff;
  padding: 70px 50px;
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.3fr auto;
  align-items: center;
  gap: 40px;
}
.cta-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 60%;
  height: 100%;
  background: var(--red);
  clip-path: polygon(0 0, 100% 0, 70% 100%, 0 100%);
  opacity: 0.85;
}
.cta-card::after {
  content: "";
  position: absolute;
  bottom: -50px; right: -50px;
  width: 240px; height: 240px;
  background: radial-gradient(circle, rgba(220,38,38,0.30), transparent 60%);
}
.cta-card > * { position: relative; z-index: 1; }
.cta-card h2 {
  font-size: clamp(28px, 4.5vw, 44px);
  color: #fff;
  margin-bottom: 12px;
  letter-spacing: -0.03em;
}
.cta-card p {
  font-size: 16px;
  margin: 0;
  color: rgba(255,255,255,0.85);
  line-height: 1.6;
  max-width: 480px;
}
.cta-card .btn-cta-large {
  background: #fff;
  color: var(--black);
  padding: 18px 36px;
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: all .2s;
  border: 2px solid #fff;
  white-space: nowrap;
}
.cta-card .btn-cta-large:hover {
  background: var(--red);
  border-color: var(--red);
  color: #fff;
}

/* ===========================================
   CONTACT — CENTERED FORM (NEW STRUCTURE)
   =========================================== */
.contact-section { padding: 100px 0; background: var(--bg-alt); }
.contact-info-bar {
  background: var(--black);
  color: #fff;
  padding: 24px 32px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 36px;
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
}
.cib-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
  position: relative;
  padding-left: 20px;
}
.cib-item:not(:first-child)::before {
  content: "";
  position: absolute;
  left: -12px; top: 0; bottom: 0;
  width: 1px;
  background: rgba(255,255,255,0.12);
}
.cib-item .lbl {
  font-size: 10.5px;
  color: var(--red-2);
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}
.cib-item .val {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
}
.contact-section .form-card {
  background: #fff;
  border: 1px solid var(--border);
  padding: 40px;
  max-width: 880px;
  margin: 0 auto;
  border-top: 4px solid var(--red);
  position: relative;
}
.form-title {
  font-size: 26px;
  font-weight: 700;
  margin-bottom: 6px;
  text-align: center;
}
.form-subtitle {
  text-align: center;
  font-size: 14px;
  color: var(--text-3);
  margin-bottom: 28px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.form-field { display: flex; flex-direction: column; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-size: 12px;
  font-weight: 700;
  color: var(--text-2);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: inherit;
  font-size: 15px;
  padding: 13px 14px;
  border: 1.5px solid var(--border);
  background: #fff;
  color: var(--text);
  transition: all .15s;
  width: 100%;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(220,38,38,0.10);
}
.form-field textarea { resize: vertical; min-height: 100px; }
.form-check {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  gap: 10px;
  align-items: flex-start;
  justify-content: flex-start;
  width: 100%;
  margin: 14px 0 22px;
  padding: 0;
  font-size: 13px;
  font-weight: 400;
  letter-spacing: 0;
  text-transform: none;
  text-align: left;
  color: var(--text-3);
  line-height: 1.55;
}
.form-check > span {
  flex: 1 1 auto;
  min-width: 0;
  word-break: break-word;
  display: inline-block;
}
.form-check input {
  margin-top: 3px;
  accent-color: var(--red);
  flex-shrink: 0;
  width: auto;
  padding: 0;
  background: transparent;
  border: 0;
}
.form-check a {
  color: var(--red);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}
.form-submit {
  width: 100%;
  padding: 17px;
  background: var(--red);
  color: #fff;
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: all .2s;
  border: 2px solid var(--red);
}
.form-submit:hover {
  background: var(--black);
  border-color: var(--black);
}

/* ===========================================
   FOOTER — HORIZONTAL STRIP (NEW STRUCTURE)
   =========================================== */
footer {
  background: var(--black);
  color: rgba(255,255,255,0.55);
  padding: 50px 0 24px;
  border-top: 3px solid var(--red);
  position: relative;
  overflow: hidden;
}
footer::after {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(220,38,38,0.10), transparent 60%);
  pointer-events: none;
}
.footer-row {
  display: grid;
  grid-template-columns: 1fr 1.4fr 1fr;
  gap: 40px;
  margin-bottom: 28px;
  position: relative;
  z-index: 2;
  align-items: start;
}
.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.footer-brand .logo { color: #fff; }
.footer-brand p {
  font-size: 13.5px;
  line-height: 1.6;
  color: rgba(255,255,255,0.55);
  margin: 0;
  max-width: 320px;
}
.footer-contact {
  display: grid;
  grid-template-columns: repeat(2, auto);
  gap: 14px 32px;
  font-size: 13.5px;
}
.footer-contact .item {
  display: flex;
  align-items: center;
  gap: 10px;
}
.footer-contact svg {
  width: 16px; height: 16px;
  color: var(--red-2);
  flex-shrink: 0;
}
.footer-contact a:hover { color: var(--red-2); }
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
  font-size: 13.5px;
  text-align: right;
}
.footer-links a { color: rgba(255,255,255,0.65); transition: color .15s; }
.footer-links a:hover { color: var(--red-2); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.40);
  position: relative;
  z-index: 2;
}

/* ===========================================
   THANK YOU PAGE
   =========================================== */
.danke-page {
  padding: 90px 0;
  background: var(--bg-cream);
}
.danke-wrap {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
}
.danke-icon {
  width: 96px;
  height: 96px;
  margin: 0 auto 28px;
  background: var(--red);
  display: grid;
  place-items: center;
  color: #fff;
  font-size: 44px;
  font-weight: 800;
  box-shadow: 0 16px 40px rgba(220,38,38,0.40);
  position: relative;
  animation: scaleIn .5s cubic-bezier(0.16, 1, 0.3, 1);
}
.danke-icon::before {
  content: "";
  position: absolute;
  inset: -8px;
  border: 2px solid var(--red);
  opacity: 0.3;
  animation: ringExpand 1.4s ease-out infinite;
}
@keyframes scaleIn {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
@keyframes ringExpand {
  0%   { transform: scale(1);   opacity: 0.4; }
  100% { transform: scale(1.4); opacity: 0; }
}
.danke-page h1 {
  font-size: clamp(32px, 5vw, 48px);
  margin-bottom: 14px;
  letter-spacing: -0.03em;
}
.danke-wrap > p {
  font-size: 16px;
  color: var(--text-3);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.danke-card {
  background: #fff;
  border: 1px solid var(--border);
  border-top: 4px solid var(--red);
  padding: 32px 36px;
  text-align: left;
  margin-bottom: 28px;
}
.danke-card h3 {
  font-size: 20px;
  font-weight: 700;
  text-align: center;
  margin-bottom: 22px;
}
.danke-steps {
  list-style: none;
  margin: 0;
  padding: 0;
}
.danke-steps li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 0;
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.55;
}
.danke-steps li + li { border-top: 1px solid var(--border); }
.danke-steps .step-num {
  width: 30px; height: 30px;
  background: var(--red);
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 800;
  flex-shrink: 0;
}
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--black);
  color: #fff;
  padding: 14px 30px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  transition: all .2s;
  border: 2px solid var(--black);
}
.danke-back:hover {
  background: var(--red);
  border-color: var(--red);
}
.danke-back svg { width: 16px; height: 16px; }

/* ===========================================
   LEGAL PAGES
   =========================================== */
.legal-page {
  padding: 60px 0 80px;
  max-width: 820px;
  margin: 0 auto;
}
.legal-page h1 {
  font-size: clamp(36px, 5vw, 52px);
  margin-bottom: 28px;
  letter-spacing: -0.03em;
}
.legal-page h2 {
  font-size: 22px;
  margin: 36px 0 12px;
  color: var(--red);
  letter-spacing: -0.02em;
}
.legal-page h3 {
  font-size: 16px;
  margin: 22px 0 10px;
  color: var(--text-2);
}
.legal-page p, .legal-page li {
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.75;
}
.legal-page ul, .legal-page ol { padding-left: 20px; }
.legal-page a {
  color: var(--red);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 600;
}
.legal-page strong { color: var(--text); font-weight: 700; }
.info-block {
  background: var(--red-tint);
  border: 1px solid var(--red-soft);
  border-left: 3px solid var(--red);
  padding: 20px 24px;
  margin: 22px 0;
}
.info-block p { margin: 4px 0; }

/* ===========================================
   REVEAL ANIMATIONS
   =========================================== */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .6s, transform .6s;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.modal {
  display: none;
  position: fixed; inset: 0;
  background: rgba(0,0,0,0.7);
  z-index: 1000;
  align-items: center; justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}
.modal.show { display: flex; }
.modal-content {
  background: #fff;
  padding: 40px 32px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  border-top: 4px solid var(--red);
}
.modal-content h3 { font-size: 24px; margin-bottom: 10px; }
.modal-content p { color: var(--text-3); margin-bottom: 22px; }

/* ===========================================
   RESPONSIVE
   =========================================== */
@media (max-width: 1100px) {
  .bank-top { grid-template-columns: 1fr; gap: 16px; }
  .bi-cta { width: 100%; }
  .rate-row {
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    padding: 22px;
  }
  .rate-features { grid-column: 1 / -1; }
  .rate-row-cta { grid-column: 1 / -1; }
}

@media (max-width: 980px) {
  .hero { padding: 60px 0 50px; }
  .hero h1 { font-size: 44px; }
  .stats-row {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px 16px;
  }
  .stat-item + .stat-item:nth-child(3)::before,
  .stat-item + .stat-item:nth-child(2)::before {
    display: none;
  }
  .zigzag-row {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .zigzag-row:nth-child(even) .zigzag-visual { order: 1; }
  .zigzag-row:nth-child(even) .zigzag-content { order: 2; }
  .zigzag-visual { aspect-ratio: 1.6; max-height: 240px; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .testimonial.featured { padding: 36px 28px; }
  .testimonial.featured .t-quote { font-size: 18px; }
  .faq-grid { grid-template-columns: 1fr; }
  .contact-info-bar {
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    padding: 20px;
  }
  .cib-item:nth-child(3)::before { display: none; }
  .cta-card {
    grid-template-columns: 1fr;
    padding: 50px 32px;
    text-align: center;
  }
  .cta-card::before {
    width: 100%;
    height: 50%;
    clip-path: polygon(0 0, 100% 0, 100% 70%, 0 100%);
  }
  .cta-card .btn-cta-large {
    justify-self: center;
  }
  .footer-row {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .footer-links { text-align: left; flex-direction: row; flex-wrap: wrap; gap: 18px; }
  .footer-contact { grid-template-columns: 1fr; gap: 8px; }
  .nav-links { display: none; }
  .nav-toggle { display: grid; place-items: center; }
  .nav-links.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--black);
    flex-direction: column;
    padding: 16px 24px;
    gap: 6px;
    border-bottom: 3px solid var(--red);
  }
  .nav-links.open a {
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,0.10);
    color: rgba(255,255,255,0.85);
  }
  .nav-links.open a:last-child { border-bottom: none; }
  .section { padding: 70px 0; }
  .calc-section,
  .contact-section { padding: 70px 0; }
  .hero-form-card { padding: 26px 22px; }
  .calc-input-stack,
  .calc-output-card { padding: 28px 24px; }
  .danke-card { padding: 24px; }
  .breakdown { grid-template-columns: 1fr; gap: 18px; }
  .form-row { grid-template-columns: 1fr; }
  .quick-select { grid-template-columns: 1fr 1fr; }
  .how-step { padding-left: 76px; }
  .how-step .num { width: 50px; height: 50px; font-size: 18px; }
  .how-vertical::before { left: 24px; }
}

@media (max-width: 720px) {
  .container { padding: 0 16px; }
  .nav { padding: 14px 0; }
  .nav-cta {
    padding: 10px 16px;
    font-size: 11.5px;
    letter-spacing: 0.04em;
  }
  .logo { font-size: 17px; }
  .hero { padding: 50px 0 40px; }
  .hero h1 { font-size: 36px; line-height: 1.05; }
  .hero-lede { font-size: 15px; }
  .hero-chips { gap: 8px; }
  .hero-chip { font-size: 12px; padding: 6px 12px; }
  .hero-form-card { padding: 22px 18px; }
  .hero-form-card h3 { font-size: 20px; }
  .stats-row { grid-template-columns: 1fr 1fr; gap: 22px 12px; }
  .stat-item + .stat-item::before { display: none; }
  .stat-num { font-size: 28px; }
  .stat-label { font-size: 11px; }
  .rate-row { grid-template-columns: 1fr; gap: 12px; padding: 22px 18px; }
  .rate-features { grid-template-columns: 1fr; }
  .rate-features li { font-size: 13.5px; }
  .bi-metrics { grid-template-columns: 1fr 1fr; }
  .bank-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero-form .row { grid-template-columns: 1fr; }
  .cta-card { padding: 40px 22px; }
  .cta-card h2 { font-size: 26px; }
  .cta-card p { font-size: 14.5px; }
  .danke-card { padding: 22px 18px; }
  .danke-icon { width: 80px; height: 80px; font-size: 38px; }
  .section { padding: 56px 0; }
  .calc-section,
  .contact-section { padding: 56px 0; }
  .legal-page { padding: 40px 0 60px; }
  .legal-page h1 { font-size: 30px; }
  .trust-row { gap: 14px; }
  .trust-item { font-size: 12px; }
  .bank-item { padding: 22px 18px 16px; }
  .bank-badge { left: 18px; font-size: 10px; padding: 4px 10px; }
  .zigzag { gap: 56px; }
  .zigzag-row { gap: 24px; }
  .zigzag-visual { aspect-ratio: 1.4; max-height: 200px; }
  .zigzag-icon { width: 100px; height: 100px; }
  .zigzag-icon svg { width: 48px; height: 48px; }
  .zigzag-num { font-size: 64px; top: 16px; left: 16px; }
  .zigzag-content h3 { font-size: 26px; }
  .testimonial.featured { padding: 28px 22px; }
  .testimonial.featured .t-quote { font-size: 16px; }
  .testimonial { padding: 24px 22px; }
  .contact-info-bar { grid-template-columns: 1fr; gap: 14px; }
  .cib-item::before { display: none !important; }
  .cib-item { padding-left: 0; }
  .contact-section .form-card { padding: 26px 22px; }
  .form-title { font-size: 22px; }
  .how-step { padding-left: 64px; margin-bottom: 36px; }
  .how-step .num { width: 44px; height: 44px; font-size: 16px; }
  .how-step h3 { font-size: 20px; }
  .how-vertical::before { left: 21px; top: 24px; bottom: 24px; }
  .quick-select { grid-template-columns: 1fr 1fr; }
}

/* ===========================================
   BANK APPLY MODAL
   Opens when user clicks Anfragen on a bank card
   =========================================== */
.bank-modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: none;
  align-items: flex-start;
  justify-content: center;
  padding: 30px 16px;
  overflow-y: auto;
}
.bank-modal.is-open {
  display: flex;
  animation: bmFadeIn .25s ease forwards;
}
@keyframes bmFadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes bmSlideIn {
  from { opacity: 0; transform: translateY(28px) scale(.97); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}

.bank-modal__backdrop {
  position: fixed;
  inset: 0;
  background: rgba(10, 10, 10, 0.75);
  backdrop-filter: blur(4px);
  cursor: pointer;
}
.bank-modal__panel {
  position: relative;
  background: #fff;
  width: 100%;
  max-width: 640px;
  margin: auto;
  border-top: 6px solid var(--red);
  box-shadow: 0 30px 80px rgba(0,0,0,0.30);
  animation: bmSlideIn .35s cubic-bezier(.16,1,.3,1) forwards;
  z-index: 1;
}
.bank-modal__close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 36px;
  height: 36px;
  background: var(--bg-alt);
  display: grid;
  place-items: center;
  cursor: pointer;
  transition: all .2s;
  z-index: 5;
}
.bank-modal__close:hover {
  background: var(--red);
  color: #fff;
}
.bank-modal__close svg {
  width: 18px;
  height: 18px;
  color: var(--text-2);
  transition: color .2s;
}
.bank-modal__close:hover svg { color: #fff; }

/* Bank header inside modal */
.bank-modal__bank {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 28px 32px 20px;
  border-bottom: 1px solid var(--border);
}
.bm-bank-logo {
  width: 64px;
  height: 64px;
  background: var(--bg-alt);
  border: 1px solid var(--border);
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 24px;
  color: var(--red);
  flex-shrink: 0;
  overflow: hidden;
}
.bm-bank-logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  padding: 6px;
}
.bm-bank-pre {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 2px;
}
.bm-bank-name {
  font-size: 22px;
  font-weight: 800;
  color: var(--text);
  line-height: 1.15;
  margin-bottom: 4px;
}
.bm-bank-rating {
  font-size: 13px;
  color: var(--star);
  letter-spacing: 0.1em;
}
.bm-bank-rating .num {
  color: var(--text-3);
  margin-left: 6px;
  font-size: 12px;
  letter-spacing: 0;
}

/* Metrics row */
.bm-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
}
.bm-metric {
  padding: 16px 14px;
  text-align: center;
  border-right: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.bm-metric:last-child { border-right: none; }
.bm-metric-lbl {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-3);
}
.bm-metric-val {
  font-size: 16px;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.01em;
}
.bm-metric-val.red { color: var(--red); font-size: 18px; }
.bm-metric-val small { font-size: 11px; font-weight: 600; color: var(--text-3); }

/* Form */
.bank-modal__form {
  padding: 24px 32px 28px;
}
.bm-form-title {
  font-size: 17px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 4px;
}
.bm-form-sub {
  font-size: 13px;
  color: var(--text-3);
  margin-bottom: 18px;
}
.bm-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.bm-field { display: flex; flex-direction: column; }
.bm-field.full { grid-column: 1 / -1; margin-bottom: 14px; }
.bm-field label {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--text-2);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.bm-field input,
.bm-field select,
.bm-field textarea {
  width: 100%;
  padding: 12px 13px;
  font-size: 14.5px;
  font-family: inherit;
  background: var(--bg-alt);
  border: 1.5px solid var(--border);
  color: var(--text);
  transition: all .15s;
}
.bm-field input:focus,
.bm-field select:focus,
.bm-field textarea:focus {
  outline: none;
  border-color: var(--red);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(220,38,38,0.10);
}
.bm-field textarea { resize: vertical; min-height: 60px; }

.bm-check {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  gap: 10px;
  align-items: flex-start;
  justify-content: flex-start;
  width: 100%;
  font-size: 12.5px;
  color: var(--text-3);
  line-height: 1.5;
  margin: 14px 0 18px;
  padding: 0;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 400;
  text-align: left;
}
.bm-check > span {
  flex: 1 1 auto;
  min-width: 0;
  word-break: break-word;
}
.bm-check input {
  margin-top: 3px;
  accent-color: var(--red);
  flex-shrink: 0;
  width: auto;
  padding: 0;
  background: transparent;
  border: 0;
}
.bm-check a {
  color: var(--red);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}

.bm-submit {
  width: 100%;
  background: var(--red);
  color: #fff;
  padding: 15px;
  font-size: 13.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 2px solid var(--red);
  transition: all .2s;
}
.bm-submit:hover {
  background: var(--black);
  border-color: var(--black);
}
.bm-submit svg { width: 18px; height: 18px; }
.bm-submit[disabled] { opacity: 0.7; cursor: progress; }

.bank-modal__form .form-msg {
  margin-top: 12px;
  font-size: 13px;
  font-weight: 600;
}
.bank-modal__form .form-msg.success { color: var(--success); }
.bank-modal__form .form-msg.error   { color: var(--danger); }

/* Body lock when modal is open */
body.modal-open { overflow: hidden; }

/* Responsive */
@media (max-width: 640px) {
  .bank-modal { padding: 16px 10px; }
  .bank-modal__bank { padding: 22px 22px 16px; gap: 14px; }
  .bm-bank-logo { width: 52px; height: 52px; font-size: 20px; }
  .bm-bank-name { font-size: 18px; }
  .bm-metrics { grid-template-columns: 1fr 1fr; }
  .bm-metric:nth-child(2) { border-right: none; }
  .bm-metric:nth-child(1),
  .bm-metric:nth-child(2) { border-bottom: 1px solid var(--border); }
  .bank-modal__form { padding: 20px 22px 22px; }
  .bm-row { grid-template-columns: 1fr; gap: 10px; }
}