/* Ravello Versicherungen – Stylesheet */
@font-face{font-family:"Playfair Display";src:url(fonts/playfair-display-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Playfair Display";src:url(fonts/playfair-display-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Playfair Display";src:url(fonts/playfair-display-latin-600-italic.woff2) format("woff2");font-weight:600;font-style:italic;font-display:swap}
@font-face{font-family:Inter;src:url(fonts/inter-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:Inter;src:url(fonts/inter-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:Inter;src:url(fonts/inter-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:Inter;src:url(fonts/inter-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

:root{
  --navy:#172349; --navy-2:#1E2D5A; --navy-3:#0F1834;
  --cream:#E9D9BD; --cream-2:#F6EFE2; --cream-3:#FBF8F2;
  --gold:#C9AE7C; --ink:#172349; --muted:#5A6482; --line:#E3DCCD;
  --radius:20px; --shadow:0 20px 50px -20px rgba(15,24,52,.35);
  --serif:"Playfair Display",Georgia,serif; --sans:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--cream-3);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.container{width:min(1200px,100% - 48px);margin-inline:auto}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.eyebrow::before{content:"";width:28px;height:1.5px;background:currentColor}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12;margin:0;text-wrap:balance}
h2{font-size:clamp(32px,4.2vw,52px)}
h2 em,h1 em{font-style:italic;color:var(--gold)}
.lead{font-size:clamp(17px,1.6vw,20px);color:var(--muted);max-width:640px;text-wrap:pretty}
section{padding:110px 0}
.section-head{display:flex;flex-direction:column;gap:16px;margin-bottom:56px}
.section-head.center{align-items:center;text-align:center}
.section-head.center .lead{margin-inline:auto}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:999px;font-weight:600;font-size:16px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .2s,background .2s,color .2s,box-shadow .2s;font-family:var(--sans)}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--cream);color:var(--navy)}
.btn-gold:hover{background:#F3E7D1;box-shadow:0 12px 30px -12px rgba(233,217,189,.7)}
.btn-ghost{border-color:rgba(233,217,189,.45);color:#fff}
.btn-ghost:hover{border-color:var(--cream);background:rgba(233,217,189,.08)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn svg{width:20px;height:20px}

/* Header */
.site-header{position:fixed;inset:0 0 auto 0;z-index:50;transition:background .3s,box-shadow .3s,padding .3s;padding:18px 0}
.site-header.scrolled{background:rgba(23,35,73,.94);backdrop-filter:blur(12px);box-shadow:0 8px 30px -12px rgba(0,0,0,.4);padding:10px 0}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:#fff}
.brand img{height:44px;width:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text strong{font-size:15px;letter-spacing:.2em;font-weight:700}
.brand-text span{font-size:10.5px;letter-spacing:.22em;color:var(--cream)}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;font-size:15px;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--cream)}
.nav .btn{min-height:44px;padding:0 20px;font-size:15px}
.menu-toggle{display:none;background:none;border:0;color:#fff;width:44px;height:44px;cursor:pointer}
.menu-toggle svg{width:28px;height:28px}

/* Hero */
.hero{position:relative;min-height:100vh;background:var(--navy);color:#fff;display:flex;align-items:center;overflow:hidden;padding:140px 0 90px}
.hero::before{content:"";position:absolute;right:-18vw;top:-24vw;width:62vw;height:62vw;border-radius:50%;background:radial-gradient(circle,var(--navy-2) 0%,rgba(30,45,90,0) 70%)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}
.hero h1{font-size:clamp(42px,6vw,78px);margin:22px 0 24px}
.hero .lead{color:rgba(255,255,255,.75)}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.hero-trust{display:flex;flex-wrap:wrap;gap:28px;margin-top:48px;padding-top:32px;border-top:1px solid rgba(233,217,189,.18)}
.hero-trust div{display:flex;flex-direction:column}
.hero-trust strong{font-family:var(--serif);font-size:34px;color:var(--cream);line-height:1}
.hero-trust span{font-size:14px;color:rgba(255,255,255,.65);margin-top:6px}
.hero-visual{position:relative}
.hero-photo{border-radius:28px;overflow:hidden;aspect-ratio:4/5;box-shadow:0 40px 80px -30px rgba(0,0,0,.6)}
.hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-card{position:absolute;background:#fff;color:var(--navy);border-radius:18px;padding:16px 20px;box-shadow:var(--shadow);display:flex;align-items:center;gap:14px;font-size:14px;line-height:1.35}
.hero-card strong{display:block;font-size:16px}
.hero-card .ico{width:44px;height:44px;border-radius:12px;background:var(--cream);display:grid;place-items:center;flex:none}
.hero-card .ico svg{width:22px;height:22px}
.hero-card.c1{left:-40px;bottom:70px;animation:float 6s ease-in-out infinite}
.hero-card.c2{right:-24px;top:50px;animation:float 6s ease-in-out infinite 1.5s}
@keyframes float{50%{transform:translateY(-10px)}}

/* Announcement */
.promo{background:var(--cream);color:var(--navy)}
.promo .container{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;padding:14px 0;font-size:15px;text-align:center}
.promo strong{font-weight:700}
.promo a{font-weight:700;text-decoration:underline;text-underline-offset:3px}

/* Partners */
.partners{padding:56px 0;background:var(--navy-3);overflow:hidden}
.partners p{text-align:center;color:rgba(255,255,255,.55);font-size:13px;letter-spacing:.16em;text-transform:uppercase;margin:0 0 30px}
.marquee{display:flex;width:max-content;animation:scroll 38s linear infinite}
.marquee img{height:40px;width:auto;margin:0 48px;opacity:.75;object-fit:contain}
.partners:hover .marquee{animation-play-state:paused}
@keyframes scroll{to{transform:translateX(-50%)}}

/* Leistungen */
.services-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.service{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column;gap:12px;transition:transform .3s,box-shadow .3s,border-color .3s;position:relative}
.service:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.service .ico{width:56px;height:56px;border-radius:16px;background:var(--cream-2);display:grid;place-items:center;color:var(--navy)}
.service .ico svg{width:28px;height:28px}
.service h3{font-size:24px}
.service p{margin:0;color:var(--muted);font-size:15.5px}
.service .tag{position:absolute;top:22px;right:22px;background:var(--navy);color:var(--cream);font-size:11.5px;font-weight:700;letter-spacing:.06em;padding:5px 10px;border-radius:999px}

/* Vorteile */
.why{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.why .lead{color:rgba(255,255,255,.7)}
.why-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}
.why-photo{border-radius:28px;overflow:hidden;aspect-ratio:3/4;position:relative}
.why-photo img{width:100%;height:100%;object-fit:cover}
.why-photo figcaption{position:absolute;left:20px;right:20px;bottom:20px;background:rgba(15,24,52,.82);backdrop-filter:blur(8px);border-radius:14px;padding:14px 18px;font-size:14px;color:rgba(255,255,255,.85)}
.why-photo figcaption strong{color:var(--cream);display:block;font-family:var(--serif);font-size:19px;font-weight:600}
.benefits{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:40px}
.benefit{border:1px solid rgba(233,217,189,.16);border-radius:18px;padding:22px;background:rgba(255,255,255,.03);transition:background .3s,border-color .3s}
.benefit:hover{background:rgba(233,217,189,.06);border-color:rgba(233,217,189,.35)}
.benefit svg{width:26px;height:26px;color:var(--cream);margin-bottom:12px}
.benefit h3{font-family:var(--sans);font-size:17px;font-weight:600;margin-bottom:6px}
.benefit p{margin:0;font-size:14.5px;color:rgba(255,255,255,.65)}

/* Ablauf */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px;counter-reset:s}
.step{position:relative;padding:34px 30px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:56px;color:var(--cream);line-height:1;display:block;margin-bottom:14px;-webkit-text-stroke:1px var(--gold)}
.step h3{font-size:23px;margin-bottom:8px}
.step p{margin:0;color:var(--muted);font-size:15.5px}

/* Rechner */
.calc{background:var(--cream-2)}
.calc-box{display:grid;grid-template-columns:1fr 1fr;background:#fff;border-radius:28px;overflow:hidden;box-shadow:var(--shadow)}
.calc-input{padding:48px}
.calc-output{background:var(--navy);color:#fff;padding:48px;display:flex;flex-direction:column;justify-content:center;gap:10px}
.field{margin-top:28px}
.field label{display:flex;justify-content:space-between;font-weight:600;font-size:15px;margin-bottom:12px}
.field label output{font-family:var(--serif);font-size:22px;color:var(--navy)}
input[type=range]{width:100%;accent-color:var(--navy);height:28px}
.kids{display:flex;gap:10px;flex-wrap:wrap}
.kids button{min-width:52px;height:48px;border-radius:12px;border:1.5px solid var(--line);background:#fff;font-weight:600;font-size:16px;color:var(--navy);cursor:pointer;font-family:var(--sans);transition:all .2s}
.kids button[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.big-num{font-family:var(--serif);font-size:clamp(56px,7vw,88px);color:var(--cream);line-height:1}
.calc-output .row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(233,217,189,.15);font-size:16px}
.calc-output .row strong{font-size:18px}
.calc-output .pct{display:inline-flex;align-self:flex-start;background:var(--cream);color:var(--navy);font-weight:700;border-radius:999px;padding:8px 16px;margin-top:6px}
.small{font-size:13px;color:var(--muted);margin-top:22px;line-height:1.5}
.calc-output .small{color:rgba(255,255,255,.55)}

/* Team */
.team-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}
.member{background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column;transition:transform .3s,box-shadow .3s}
.member:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.member .photo{aspect-ratio:1;background:var(--navy);overflow:hidden;display:grid;place-items:center}
.member .photo img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.member:hover .photo img{transform:scale(1.05)}
.member .initials{font-family:var(--serif);font-size:72px;color:var(--cream)}
.member .info{padding:20px 22px 22px;display:flex;flex-direction:column;gap:4px;flex:1}
.member h3{font-size:22px}
.member .role{font-size:14px;color:var(--muted)}
.member .btn{margin-top:14px;min-height:44px;font-size:14.5px}

/* FAQ */
.faq-list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 24px;transition:box-shadow .3s}
details[open]{box-shadow:0 14px 40px -24px rgba(15,24,52,.4)}
summary{list-style:none;cursor:pointer;padding:22px 0;font-weight:600;font-size:17px;display:flex;justify-content:space-between;align-items:center;gap:20px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:26px;font-weight:400;color:var(--gold);transition:transform .3s}
details[open] summary::after{transform:rotate(45deg)}
details p{margin:0 0 22px;color:var(--muted)}

/* Kontakt */
.contact{background:var(--navy);color:#fff}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.contact .lead{color:rgba(255,255,255,.7)}
.contact-list{list-style:none;padding:0;margin:36px 0 0;display:flex;flex-direction:column;gap:18px}
.contact-list li{display:flex;gap:16px;align-items:flex-start}
.contact-list .ico{width:48px;height:48px;border-radius:14px;background:rgba(233,217,189,.1);display:grid;place-items:center;flex:none;color:var(--cream)}
.contact-list .ico svg{width:22px;height:22px}
.contact-list span{display:block;font-size:13px;color:rgba(255,255,255,.55)}
.contact-list a,.contact-list strong{color:#fff;text-decoration:none;font-weight:600}
.contact-list a:hover{color:var(--cream)}
form.card{background:#fff;color:var(--navy);border-radius:28px;padding:40px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
form.card .full{grid-column:1/-1}
form.card label{display:flex;flex-direction:column;gap:8px;font-size:14px;font-weight:600}
form.card input,form.card select,form.card textarea{font:inherit;font-weight:400;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;background:var(--cream-3);color:var(--navy);min-height:50px}
form.card textarea{min-height:120px;resize:vertical}
form.card input:focus,form.card select:focus,form.card textarea:focus{outline:none;border-color:var(--navy);background:#fff}
form.card .check{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;font-size:13.5px;color:var(--muted)}
form.card .check input{min-height:auto;width:18px;height:18px;margin-top:2px;accent-color:var(--navy)}
form.card .actions{display:flex;gap:12px;flex-wrap:wrap}

/* Footer */
footer{background:var(--navy-3);color:rgba(255,255,255,.65);padding:64px 0 32px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
footer h4{color:#fff;font-size:14px;letter-spacing:.14em;text-transform:uppercase;margin:0 0 16px}
footer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
footer a{text-decoration:none}
footer a:hover{color:var(--cream)}
.foot-bottom{margin-top:48px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:13px}

/* WhatsApp float */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:60;width:62px;height:62px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 14px 30px -10px rgba(0,0,0,.45);transition:transform .2s}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:32px;height:32px;color:#fff}

/* Legal pages */
.legal{padding:150px 0 90px}
.legal .container{max-width:820px}
.legal h1{font-size:clamp(36px,5vw,54px);margin-bottom:30px}
.legal h2{font-size:26px;margin:40px 0 12px}
.legal p,.legal li{color:#2f3a5c}
.legal .todo{background:#FFF4D6;border:1px dashed #C9AE7C;border-radius:12px;padding:14px 18px;font-size:14.5px}

/* Reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .8s ease,transform .8s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}html{scroll-behavior:auto}}

/* Responsive */
@media (max-width:1024px){
  .hero-grid,.why-grid,.contact-grid,.calc-box{grid-template-columns:1fr}
  .hero-visual{max-width:520px}
  .services-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .team-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .foot-grid{grid-template-columns:1fr 1fr}
  .why-photo{aspect-ratio:4/3}
}
@media (max-width:860px){
  .nav-links{position:fixed;inset:0 0 auto 0;top:0;flex-direction:column;align-items:flex-start;gap:6px;background:var(--navy);padding:90px 28px 30px;transform:translateY(-110%);visibility:hidden;transition:transform .35s,visibility .35s;box-shadow:0 20px 40px rgba(0,0,0,.4)}
  .nav-links.open{transform:none;visibility:visible}
  .nav-links a{font-size:20px;padding:10px 0;display:block}
  .menu-toggle{display:grid;place-items:center;position:relative;z-index:2}
  .nav > .btn{display:none}
}
@media (max-width:640px){
  section{padding:80px 0}
  .services-grid,.steps,.benefits,.team-grid,form.card{grid-template-columns:1fr}
  .hero-card.c1{left:10px}.hero-card.c2{right:10px}
  .hero-trust{gap:14px}.hero-trust div{flex:1 1 28%}.hero-trust strong{font-size:26px}.hero-trust span{font-size:12.5px}
  .calc-input,.calc-output,form.card{padding:28px}
  .foot-grid{grid-template-columns:1fr}
  .brand-text span{display:none}
}