/* ── HERO ───────────────────────────────────────────── */
.hero{background:linear-gradient(135deg,#002d52 0%,#005EA8 50%,#0077cc 100%);position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='3' cy='3' r='1.5'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");pointer-events:none}
.hero .wi{max-width:1200px;margin:0 auto;padding:56px 24px 84px;display:grid;grid-template-columns:1fr 500px;gap:56px;align-items:start;position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.12);backdrop-filter:blur(4px);color:rgba(255,255,255,.9);padding:5px 14px;border-radius:50px;font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-bottom:20px;border:1px solid rgba(255,255,255,.15)}
.hero h1{font-size:clamp(28px,3.8vw,50px);font-weight:800;color:#fff;line-height:1.12;margin-bottom:16px;letter-spacing:-.5px}
.hero h1 em{font-style:normal;color:#7DD3FC}
.hero-sub{color:rgba(255,255,255,.72);font-size:16px;line-height:1.72;margin-bottom:30px;max-width:430px}
.hero-btns{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:34px}
.btn-hero1{background:#fff;color:var(--blue);border:none;padding:12px 26px;border-radius:8px;font-size:15px;font-weight:700;transition:.2s;cursor:pointer;box-shadow:0 4px 16px rgba(0,0,0,.15);text-decoration:none;display:inline-block}
.btn-hero1:hover{background:#e0f0ff;transform:translateY(-1px)}
.btn-hero2{background:rgba(255,255,255,.1);color:#fff;border:1.5px solid rgba(255,255,255,.3);padding:11px 22px;border-radius:8px;font-size:15px;font-weight:600;transition:.2s;cursor:pointer;text-decoration:none;display:inline-block}
.btn-hero2:hover{background:rgba(255,255,255,.18);border-color:rgba(255,255,255,.6)}
.hero-trust{display:flex;gap:20px;flex-wrap:wrap}
.ht{display:flex;align-items:center;gap:6px;color:rgba(255,255,255,.65);font-size:13px}
.ht-icon{width:18px;height:18px;background:rgba(125,211,252,.2);border-radius:50%;display:grid;place-items:center;flex-shrink:0}
.ht-icon svg{width:10px;height:10px;stroke:#7DD3FC;stroke-width:3;fill:none}

/* ── MINI KALKULATOR CARD ───────────────────────────── */
.kalk-wrap{position:relative;z-index:10}
.kalk-card{background:#fff;border-radius:18px;box-shadow:0 24px 64px rgba(0,0,0,.22);overflow:hidden;margin-bottom:-56px}
.mini-head{background:var(--blue);padding:18px 22px;display:flex;align-items:center;justify-content:space-between}
.mini-head-left{display:flex;align-items:center;gap:12px}
.mini-ico{width:40px;height:40px;background:rgba(255,255,255,.15);border-radius:10px;display:grid;place-items:center;font-size:20px;flex-shrink:0}
.mini-title{font-size:15px;font-weight:700;color:#fff;margin-bottom:2px}
.mini-badge{background:rgba(255,255,255,.15);color:rgba(255,255,255,.9);padding:4px 11px;border-radius:50px;font-size:11px;font-weight:600;white-space:nowrap}
.mini-body{padding:20px 22px 22px}
.mini-ff{margin-bottom:14px}
.mini-fl{font-size:11px;font-weight:700;color:#9CA3AF;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}
.mini-vtype{display:grid;grid-template-columns:repeat(4,1fr);gap:7px}
.mini-vt{border:1.5px solid #E5E7EB;border-radius:8px;padding:10px 5px;text-align:center;cursor:pointer;transition:.15s;background:#fff}
.mini-vt:hover,.mini-vt.sel{border-color:var(--blue);background:var(--blue-lt)}
.mini-vt-ico{font-size:20px;display:block;margin-bottom:3px;line-height:1}
.mini-vt-lbl{font-size:10px;font-weight:600;color:#6B7280;display:block}
.mini-vt.sel .mini-vt-lbl{color:var(--blue)}
.mini-sw{position:relative}
.mini-sw::after{content:'';position:absolute;right:11px;top:50%;transform:translateY(-50%);border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid #9CA3AF;pointer-events:none}
.mini-sel,.mini-inp{width:100%;padding:10px 14px;border:1.5px solid #E5E7EB;border-radius:8px;font-size:14px;font-family:inherit;color:#1A1A1A;background:#fff;appearance:none;transition:.15s}
.mini-sel:focus,.mini-inp:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,94,168,.1)}
.mini-cta{width:100%;background:var(--blue);color:#fff;border:none;padding:13px;border-radius:9px;font-size:15px;font-weight:700;cursor:pointer;transition:.2s;display:flex;align-items:center;justify-content:center;gap:8px;margin-top:4px}
.mini-cta:hover{background:var(--blue-dk);transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,94,168,.3)}
.mini-cta svg{width:17px;height:17px;transition:transform .2s}
.mini-cta:hover svg{transform:translateX(3px)}

/* ── PRODUCT TABS ───────────────────────────────────── */
.prod-section{background:#fff;border-top:1px solid #E5E7EB;border-bottom:1px solid #E5E7EB;margin-top:56px}
.prod-bar{display:flex;overflow-x:auto;scrollbar-width:none;border-bottom:1px solid #E5E7EB}
.prod-bar::-webkit-scrollbar{display:none}
.pbi{display:flex;flex-direction:column;align-items:center;gap:5px;padding:16px 20px;border-bottom:3px solid transparent;cursor:pointer;transition:.15s;white-space:nowrap;min-width:88px}
.pbi:hover{border-bottom-color:#93C5FD;background:#F8FAFC}
.pbi.act{border-bottom-color:var(--blue);background:#fff}
.pbi-ico{font-size:22px;line-height:1}
.pbi-lbl{font-size:11px;font-weight:600;color:#9CA3AF;transition:.15s}
.pbi.act .pbi-lbl,.pbi:hover .pbi-lbl{color:var(--blue)}
.prod-panel{display:none;padding:44px 0;animation:prodFade .25s ease}
.prod-panel.active{display:block}
@keyframes prodFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.prod-grid{display:grid;grid-template-columns:1fr 340px;gap:44px;align-items:start}
.prod-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}
.prod-cards.cols-2{grid-template-columns:repeat(2,1fr)}
.prod-info{background:#F0F7FF;border-radius:16px;padding:28px 24px;border:1px solid #BFDBFE}
.prod-info-eyebrow{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--blue);margin-bottom:8px}
.prod-info-h{font-size:22px;font-weight:800;color:#1A1A1A;line-height:1.2;margin-bottom:11px;letter-spacing:-.3px}
.prod-info-p{font-size:14px;color:#374151;line-height:1.7;margin-bottom:16px}
.prod-check-list{list-style:none;display:flex;flex-direction:column;gap:8px;margin-bottom:22px}
.prod-check-list li{display:flex;align-items:flex-start;gap:8px;font-size:13.5px;color:#374151}
.prod-check-list li::before{content:'✓';color:var(--green);font-weight:700;flex-shrink:0;margin-top:1px}
.kc{background:#fff;border:1px solid #E5E7EB;border-radius:12px;padding:20px;transition:.2s;cursor:pointer;text-decoration:none;display:block}
.kc:hover{border-color:var(--blue);box-shadow:0 6px 20px rgba(0,94,168,.1);transform:translateY(-2px)}
.kc-ico{width:40px;height:40px;background:var(--blue-lt);border-radius:9px;display:grid;place-items:center;font-size:18px;margin-bottom:12px}
.kc h4{font-size:13.5px;font-weight:700;margin-bottom:4px;color:#1A1A1A}
.kc p{font-size:11.5px;color:#6B7280;line-height:1.5}
.kc-tag{display:inline-block;background:var(--blue-lt);color:var(--blue);font-size:9.5px;font-weight:700;padding:2px 8px;border-radius:4px;margin-top:7px;text-transform:uppercase;letter-spacing:.03em}
.btn-p{background:var(--blue);color:#fff;border:none;padding:12px 22px;border-radius:9px;font-size:14px;font-weight:700;cursor:pointer;transition:.2s;text-decoration:none;display:inline-block}
.btn-p:hover{opacity:.9}

/* ── SECTIONS ───────────────────────────────────────── */
.sec{padding:64px 0}
.sec-bg{background:#F7F8FA}
.wi{max-width:1200px;margin:0 auto;padding:0 24px}
.sec-eyebrow{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);margin-bottom:7px}
.sec-h{font-size:clamp(22px,3vw,34px);font-weight:800;color:#1A1A1A;line-height:1.2;margin-bottom:11px;letter-spacing:-.3px}
.sec-sub{font-size:15px;color:#6B7280;line-height:1.65;max-width:500px}

/* ── HOW IT WORKS ───────────────────────────────────── */
.how-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:48px;position:relative}
.how-grid::before{content:'';position:absolute;top:30px;left:12%;right:12%;height:1px;background:#E5E7EB;z-index:0}
.how-item{text-align:center;padding:0 12px;position:relative;z-index:1}
.how-circle{width:60px;height:60px;background:#fff;border:2px solid #E5E7EB;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:20px;position:relative;box-shadow:0 2px 8px rgba(0,0,0,.06);transition:.2s}
.how-item:hover .how-circle{border-color:var(--blue);box-shadow:0 0 0 4px rgba(0,94,168,.1)}
.how-num{position:absolute;top:-5px;right:-5px;width:17px;height:17px;background:var(--blue);color:#fff;border-radius:50%;font-size:8.5px;font-weight:700;display:grid;place-items:center}
.how-item h4{font-size:13.5px;font-weight:700;margin-bottom:6px;color:#1A1A1A}
.how-item p{font-size:12.5px;color:#6B7280;line-height:1.55}

/* ── INFO TILES ─────────────────────────────────────── */
.info-tile{background:linear-gradient(135deg,var(--tc),var(--tc));border:1.5px solid var(--tb);border-radius:14px;padding:20px;display:flex;flex-direction:column;gap:9px;transition:.2s}
.info-tile:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(0,0,0,.1)}
.it-ico{font-size:26px}
.it-eye{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--blue)}
.it-h{font-size:14.5px;font-weight:800;color:#1A1A1A;margin:0}
.it-p{font-size:12.5px;color:#6B7280;line-height:1.6;margin:0;flex:1}
.it-btn{display:inline-flex;align-items:center;gap:4px;color:#fff;padding:6px 13px;border-radius:7px;font-size:12px;font-weight:700;text-decoration:none;width:fit-content;transition:.15s}
.it-btn:hover{opacity:.9;transform:translateX(1px)}
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}

/* ── WHY US ─────────────────────────────────────────── */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;margin-top:40px}
.stats-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.stat-card{background:#fff;border:1px solid #E5E7EB;border-radius:12px;padding:22px;text-align:center}
.stat-num{font-size:32px;font-weight:800;color:var(--blue);line-height:1;letter-spacing:-1px}
.stat-lbl{font-size:12px;color:#6B7280;margin-top:5px}
.why-pts{list-style:none;display:flex;flex-direction:column;gap:12px;margin-top:20px}
.why-pt{display:flex;align-items:flex-start;gap:12px;padding:14px;background:#F7F8FA;border-radius:10px}
.why-ico{width:36px;height:36px;background:var(--blue-lt);border-radius:8px;display:grid;place-items:center;font-size:16px;flex-shrink:0}
.why-pt h5{font-size:13.5px;font-weight:600;margin-bottom:2px;color:#1A1A1A}
.why-pt p{font-size:12.5px;color:#6B7280;line-height:1.5}

/* ── MAKLER VORTEILE ────────────────────────────────── */
.makler-sec{background:linear-gradient(160deg,#F0F7FF 0%,#fff 60%)}
.makler-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:36px}
.makler-card{background:#fff;border:1px solid #E5E7EB;border-radius:14px;padding:24px 22px;display:flex;gap:16px;align-items:flex-start;transition:.2s;position:relative;overflow:hidden}
.makler-card::before{content:'';position:absolute;top:0;left:0;width:3px;height:100%;background:var(--blue)}
.makler-card:hover{border-color:#BFDBFE;box-shadow:0 4px 20px rgba(0,94,168,.08);transform:translateY(-2px)}
.makler-card-ico{width:46px;height:46px;background:var(--blue-lt);border-radius:10px;display:grid;place-items:center;font-size:22px;flex-shrink:0}
.makler-card-txt h4{font-size:15px;font-weight:700;color:#1A1A1A;margin-bottom:5px;line-height:1.3}
.makler-card-txt p{font-size:13.5px;color:#6B7280;line-height:1.65}

/* ── TESTIMONIALS ───────────────────────────────────── */
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:40px}
.t-card{background:#fff;border:1px solid #E5E7EB;border-radius:12px;padding:22px 20px}
.t-head{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.t-av{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;font-weight:700;font-size:13px;color:#fff;flex-shrink:0}
.t-name{font-weight:600;font-size:13px;color:#1A1A1A}
.t-loc{font-size:11.5px;color:#9CA3AF}
.t-stars{color:#F59E0B;font-size:12px;margin-bottom:9px;letter-spacing:1px}
.t-text{font-size:13px;color:#374151;line-height:1.6;font-style:italic}

/* ── SOCIAL BAR ─────────────────────────────────────── */
.social-bar{background:#F8FAFC;border-top:1px solid #E5E7EB;padding:20px 0}
.soc-links{display:flex;gap:9px;flex-wrap:wrap;justify-content:center}
.soc-btn{display:flex;align-items:center;gap:6px;padding:7px 14px;border-radius:7px;font-size:12.5px;font-weight:600;text-decoration:none;transition:.2s}
.soc-btn:hover{transform:translateY(-2px);opacity:.92}
.soc-btn.fb{background:#1877F2;color:#fff}
.soc-btn.ig{background:linear-gradient(45deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888);color:#fff}
.soc-btn.tt{background:#010101;color:#fff}
.soc-btn.yt{background:#FF0000;color:#fff}

/* ── PARTNERS ───────────────────────────────────────── */
.partners{padding:36px 0;border-top:1px solid #E5E7EB;border-bottom:1px solid #E5E7EB}
.p-label{text-align:center;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#9CA3AF;margin-bottom:20px}
.p-row{display:flex;gap:10px;justify-content:center;align-items:center;flex-wrap:wrap}
.pp{background:#F7F8FA;border:1px solid #E5E7EB;border-radius:6px;padding:8px 18px;font-size:12.5px;font-weight:700;color:#9CA3AF}

/* ── RESPONSIVE ─────────────────────────────────────── */
@media(max-width:1060px){.hero .wi{grid-template-columns:1fr}.kalk-wrap{max-width:560px}}
@media(max-width:960px){.prod-grid{grid-template-columns:1fr}.prod-cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){.how-grid{grid-template-columns:1fr 1fr}.how-grid::before{display:none}.t-grid{grid-template-columns:1fr}.makler-grid{grid-template-columns:1fr}.why-grid{grid-template-columns:1fr}.info-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.prod-cards{grid-template-columns:1fr}.stats-grid{grid-template-columns:1fr 1fr}}
@media(max-width:500px){.how-grid,.stats-grid,.info-grid{grid-template-columns:1fr}}