/* =========================================================
   werde-tippgeber.info – Ergänzungen zum Stylesheet von Hanseatischer Finanzservice
   (Farben, Schriften und Grundlayout kommen aus style.css)
   ========================================================= */

/* ---- Wortmarke (Platzhalter bis zum eigenen Logo) ---- */
.wordmark{display:flex;align-items:center;gap:12px;text-decoration:none!important;color:var(--ink)}
.wordmark svg{width:52px;height:52px;flex:0 0 52px}
.wordmark .wm-text{display:flex;flex-direction:column;line-height:1.05}
.wordmark .wm-name{font-family:var(--display);font-size:1.45rem;letter-spacing:-.02em;white-space:nowrap}
.wordmark .wm-name b{font-weight:700;color:var(--red)}
.wordmark .wm-name span{font-weight:500;color:var(--ink)}
.wordmark .wm-by{font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-top:5px;white-space:nowrap}
.site-footer .wordmark{margin-bottom:16px}
@media (max-width:600px){
  .wordmark svg{width:42px;height:42px;flex-basis:42px}
  .wordmark .wm-name{font-size:1.2rem}
  .wordmark .wm-by{font-size:.6rem;letter-spacing:.08em}
}

/* ---- Hero ---- */
.hero h1 em{font-style:normal;color:var(--red)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.prize-card .big{font-family:var(--display);font-size:3rem;font-weight:700;color:var(--red);line-height:1.1;margin:6px 0 4px}
.prize-card .sub{color:var(--muted);margin:0 0 6px}
.prize-card h3{font-size:1rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold-text);font-family:var(--font);font-weight:700}

/* ---- Bereiche ---- */
.area-rate{display:inline-block;background:var(--red-tint);color:var(--red);font-weight:700;border-radius:999px;padding:6px 14px;font-size:.9rem;margin:0 0 14px}
.area-rate.muted{background:var(--bg-soft);color:var(--slate)}
.card .card-actions{margin-top:auto;display:flex;gap:10px;flex-wrap:wrap}

/* ---- Prämienrechner ---- */
.calc-tabs{display:flex;justify-content:center;gap:8px;margin:0 auto 22px;max-width:460px;background:var(--bg-soft);border:1px solid var(--line);border-radius:999px;padding:5px}
.calc-tabs button{flex:1;border:0;background:transparent;border-radius:999px;padding:11px 16px;font:inherit;font-weight:600;color:var(--ink);cursor:pointer;transition:.15s}
.calc-tabs button.active{background:#fff;color:var(--red);box-shadow:var(--shadow)}
.calc-panel[hidden]{display:none}
.calc-result .formula{font-size:.88rem;color:var(--muted);margin:-12px 0 22px}

/* ---- Ablauf mit 4 Schritten ---- */
.steps.steps-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:1024px){.steps.steps-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.steps.steps-4{grid-template-columns:1fr}}

/* ---- Zielgruppen ---- */
.who .icon{margin-bottom:16px}

/* ---- Ansprechpartner ---- */
.member .role{line-height:1.45}
.member .contact-lines{margin-top:14px;font-size:.92rem}
.member .contact-lines a{display:block}

/* ---- Formular: Kontrollkästchen-Gruppe ---- */
.form fieldset{border:0;margin:0 0 16px;padding:0}
.form legend{font-weight:600;color:var(--ink);margin-bottom:8px;padding:0}
.checks-row{display:flex;flex-wrap:wrap;gap:10px}
.checks-row label{display:flex;align-items:center;gap:8px;border:1.5px solid var(--line);border-radius:999px;padding:9px 16px;cursor:pointer;font-weight:500;color:var(--ink);margin:0}
.checks-row input{width:auto;margin:0;accent-color:var(--red)}
.checks-row label:has(input:checked){border-color:var(--red);background:var(--red-tint);color:var(--red)}

/* ---- Hinweis-Box ---- */
.hint{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--radius-sm);padding:18px 22px;font-size:.92rem;color:var(--text);margin-top:26px}
.hint strong{color:var(--ink)}

/* ---- Footer: Absender ---- */
.footer-owner{display:flex;align-items:center;gap:12px;margin-top:6px;text-decoration:none!important}
.footer-owner img{height:46px;width:auto}
.footer-owner span{font-size:.85rem;color:var(--muted);line-height:1.35}

/* =========================================================
   Foto-Platzhalter: werden angezeigt, solange das Foto fehlt
   (Foto unter dem genannten Dateinamen in assets/img/ hochladen – fertig)
   ========================================================= */
.ph-empty{background:repeating-linear-gradient(135deg,#f5f6f8 0 14px,#eceef2 14px 28px)!important;outline:2px dashed #cfd4dc;outline-offset:-2px;display:grid!important;place-items:center}
.ph-empty::before{content:attr(data-label);color:var(--slate);font-weight:600;font-size:.9rem;text-align:center;padding:18px;line-height:1.4;max-width:320px;white-space:pre-line}
.photo-band.ph-empty{min-height:300px}
.photo-band.ph-empty::after{display:none}
.photo-band.ph-empty .photo-band-text{color:var(--ink);text-shadow:none}
.photo-band.ph-empty::before{position:absolute;top:24px;left:0;right:0;margin:auto}
.photo-band.ph-empty{place-items:end start}

/* ---- Bild neben Text ---- */
.media-split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.media-split>*{min-width:0}
.media-split .about-photo{aspect-ratio:4/3}
@media (max-width:1024px){.media-split{grid-template-columns:1fr;gap:32px}}

/* ---- Hinweis für Immobilienmakler ---- */
.pro-hint{display:flex;gap:20px;align-items:center;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:var(--radius);padding:24px 28px;box-shadow:var(--shadow);margin-top:34px}
.pro-hint .icon{margin:0;flex:0 0 54px}
.pro-hint h3{margin:0 0 4px;font-size:1.1rem}
.pro-hint p{margin:0;color:var(--text)}
.pro-hint .btn{margin-left:auto;flex:0 0 auto}
@media (max-width:760px){.pro-hint{flex-direction:column;align-items:flex-start}.pro-hint .btn{margin-left:0}}

/* ---- Zwei Formulare ---- */
.form h3{margin-bottom:6px}
.form .form-sub{color:var(--muted);margin:0 0 22px;font-size:.95rem}
.form .row-3{display:grid;grid-template-columns:1fr 2fr;gap:0 16px}
.form .row-3>*{min-width:0}
.form-section-title{font-family:var(--display);font-weight:700;color:var(--ink);font-size:1rem;margin:10px 0 12px;padding-top:14px;border-top:1px solid var(--line)}
.form-section-title:first-of-type{border-top:0;padding-top:0}
.id-box{display:none;margin-top:16px;background:var(--red-tint);border:1px solid #f1caca;border-radius:var(--radius-sm);padding:16px 18px;color:var(--ink)}
.id-box.show{display:block}
.id-box strong{display:block;font-family:var(--display);font-size:1.6rem;color:var(--red);letter-spacing:.04em;margin:4px 0}
.no-id{font-size:.9rem;color:var(--muted);margin:-6px 0 16px}
@media (max-width:600px){.form .row-3{grid-template-columns:1fr}}

/* Bildband: Gesichter sichtbar halten */
.photo-band img{object-position:50% 18%}
@media (max-width:860px){.photo-band img{object-position:45% 30%}}

/* Footer: „Ein Angebot von“ über dem Logo */
.footer-owner{flex-direction:column;align-items:flex-start;gap:8px;margin-top:10px}
.footer-owner img{height:64px}

/* ---- Deutschlandweit-Block ---- */
.nationwide{margin-top:34px;background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:30px 32px}
.nw-head{display:flex;gap:18px;align-items:center;margin-bottom:22px}
.nw-head h3{margin:0 0 4px}
.nw-head p{margin:0;color:var(--text)}
.nw-badge{flex:0 0 58px;height:58px;border-radius:50%;background:var(--red);color:#fff;font-family:var(--display);font-weight:700;font-size:1.15rem;display:grid;place-items:center;box-shadow:0 0 0 4px #fff,0 0 0 6px var(--gold)}
.nw-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.nw-grid>div{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:20px 22px;min-width:0}
.nw-grid strong{display:block;font-family:var(--display);color:var(--ink);margin-bottom:6px}
.nw-grid p{margin:0;font-size:.95rem}
@media (max-width:760px){.nw-grid{grid-template-columns:1fr}.nationwide{padding:24px 20px}.nw-head{align-items:flex-start}}

/* Hero: Themenzeile unter „Kunden werben Kunden“ */
.hero .topics{font-family:var(--display);font-weight:500;color:var(--slate);font-size:1.02rem;margin:-6px 0 14px;letter-spacing:.01em}

/* Rechner: Info-Reiter Versicherung & Anlage */
.calc-info h3{font-size:1.25rem;margin-bottom:12px}
.calc-info .icon{margin-bottom:16px}
@media (max-width:600px){.calc-tabs button{padding:10px 8px;font-size:.9rem}}
.calc-tabs{max-width:620px}
@media (min-width:601px){.calc-tabs button{white-space:nowrap}}
@media (max-width:600px){.calc-tabs{border-radius:18px}.calc-tabs button{border-radius:14px}}

/* ---- Empfehlungslink ---- */
#weitergeben .steps{margin-bottom:34px}
.link-tool{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-top:3px solid var(--red);border-radius:var(--radius);padding:30px 32px;box-shadow:var(--shadow)}
.link-tool h3{margin-bottom:6px}
.link-tool > p{color:var(--text);margin:0 0 16px}
.link-row{display:flex;gap:10px;flex-wrap:wrap}
.link-row input{flex:1 1 220px;min-width:0;padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font:inherit;font-size:1rem;letter-spacing:.04em;text-transform:uppercase}
.link-out{margin-top:16px}
.link-tool code,.id-box code{display:block;background:var(--bg-soft);border:1px dashed #cfd4dc;border-radius:var(--radius-sm);padding:12px 14px;font-size:.92rem;word-break:break-all;color:var(--ink);margin:6px 0 12px;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
.id-box code{background:#fff}
.link-actions{display:flex;gap:10px;flex-wrap:wrap}
.link-actions .btn{padding:10px 18px;font-size:.92rem}
.lt-msg{color:var(--red);font-weight:600;margin:10px 0 0;min-height:0}
.lt-msg:empty{display:none}
.link-tool .no-id{margin:16px 0 0}
@media (max-width:600px){.link-tool{padding:24px 20px}.link-row .btn{width:100%;justify-content:center}}

/* ---- Anfrage-Seite ---- */
.ref-note{display:inline-flex;align-items:center;gap:10px;background:var(--red-tint);color:var(--red);border-radius:999px;padding:8px 16px;font-weight:600;font-size:.92rem;margin-bottom:18px}
.ref-note[hidden]{display:none}

/* Unterseiten: Header-Button auf schmalen Handys ausblenden (Platz für die Wortmarke) */
.nav > .btn{white-space:nowrap}
@media (max-width:520px){.nav > .btn{display:none}}

/* Themenzeile im Hero am Handy kleiner, damit sie in eine Zeile passt */
@media (max-width:600px){.hero .topics{font-size:clamp(.6rem,2.95vw,.8rem);letter-spacing:0;margin:-4px 0 12px;white-space:nowrap}}

/* Stufen-Regler & Hinweis */
.tier-scale{display:flex;justify-content:space-between;font-size:.72rem;color:var(--muted);margin-top:4px;letter-spacing:.02em}
.calc-note{font-size:.82rem;line-height:1.5;color:var(--muted);background:#fff;border-left:3px solid var(--gold,#b1934b);border-radius:6px;padding:10px 12px;margin:6px 0 0}
.calc-note strong{color:var(--ink,#16191e)}
.vk-list{margin:6px 0 24px}
.vk-list dd{white-space:nowrap}

/* Kennzahlen: 6 Kacheln, auf dem Handy 2 nebeneinander */
@media (max-width: 760px){
  .stats{grid-template-columns:1fr 1fr!important;gap:12px}
  .stat{padding:18px 16px}
  .stat strong{font-size:2rem!important}
  .stat span{font-size:.88rem!important;line-height:1.35}
}

/* Netzwerk: drei Bereiche + Hinweis für Makler/Berater */
.nw-grid-3{grid-template-columns:repeat(3,1fr)}
.nw-partner{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-top:18px;padding:18px 22px;border:1px dashed var(--gold,#b1934b);border-radius:var(--radius-sm);background:#fffdf8}
.nw-partner strong{display:block;font-family:var(--display);color:var(--ink);margin-bottom:4px}
.nw-partner p{margin:0;font-size:.95rem}
.nw-partner .btn{flex:none}
@media (max-width:980px){.nw-grid-3{grid-template-columns:1fr}}
@media (max-width:760px){.nw-partner{flex-direction:column;align-items:flex-start}}
@media (max-width:760px){.nw-head{flex-direction:column;gap:12px}}

/* ===== Partnerseite ===== */
.partner-card{position:relative}
.partner-card .pc-label{display:block;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text,#8a6f2e);font-weight:700;margin-bottom:14px}
.partner-card .pc-head{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.partner-card .pc-avatar{width:54px;height:54px;border-radius:50%;background:var(--red,#b71c1d);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:700;flex:none}
.partner-card .pc-head strong{display:block;font-family:var(--display);color:var(--ink);font-size:1.1rem}
.partner-card .pc-head span{font-size:.9rem;color:var(--muted)}
.partner-card .pc-badge{display:inline-block;margin-top:14px;background:var(--red,#b71c1d);color:#fff;border-radius:999px;padding:6px 14px;font-size:.8rem;font-weight:700}
.partner-card .pc-note{margin:10px 0 0;font-size:.75rem;color:var(--muted)}
.plans{align-items:stretch}
.plan{display:flex;flex-direction:column;position:relative}
.plan h3{margin-bottom:2px}
.plan .plan-term{color:var(--muted);margin:0 0 6px}
.plan .checks{margin:12px 0 18px;flex:1}
.plan .checks li{font-size:.95rem}
.plan .plan-price{font-family:var(--display);font-weight:700;color:var(--red,#b71c1d);font-size:1.2rem;margin:0 0 16px}
.plan-top{border:2px solid var(--red,#b71c1d)}
.plan-flag{position:absolute;top:-13px;left:24px;background:var(--gold,#b1934b);color:#fff;font-size:.75rem;font-weight:700;border-radius:999px;padding:4px 12px;letter-spacing:.03em}

.field-hint{font-size:.8rem;color:var(--muted);margin:-6px 0 14px;line-height:1.45}
.checks-row label small, legend small{color:var(--muted);font-weight:500;font-size:.78em}

/* Partnerseite: Prinzip */
.flow{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:14px;counter-reset:none}
.flow li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:22px 18px 18px;box-shadow:var(--shadow)}
.flow li:not(:last-child)::after{content:"→";position:absolute;right:-13px;top:50%;transform:translateY(-50%);width:22px;height:22px;border-radius:50%;background:var(--red,#b71c1d);color:#fff;font-size:.8rem;display:grid;place-items:center;z-index:2;font-weight:700}
.flow .flow-num{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--red-tint,#fbeeee);color:var(--red,#b71c1d);font-family:var(--display);font-weight:700;margin-bottom:10px}
.flow strong{display:block;font-family:var(--display);color:var(--ink);margin-bottom:6px}
.flow p{margin:0;font-size:.9rem;line-height:1.5}
.money{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:22px}
.money>div{background:var(--soft,#f5f6f8);border-radius:var(--radius-sm);padding:20px 22px;border:1px solid var(--line)}
.money strong{display:block;font-family:var(--display);color:var(--ink);margin:8px 0 4px}
.money p{margin:0;font-size:.95rem}
.money-tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--ink,#16191e);color:#fff;border-radius:999px;padding:4px 10px}
.money-tag-gold{background:var(--gold,#b1934b)}
@media (max-width:1100px){.flow{grid-template-columns:1fr 1fr}.flow li::after{display:none}}
@media (max-width:640px){.flow,.money{grid-template-columns:1fr}}

.mini-table{width:100%;max-width:460px;border-collapse:collapse;margin:4px 0 12px;font-size:.92rem}
.mini-table th{background:var(--ink,#16191e);color:#fff;text-align:left;font-weight:600;padding:7px 10px;font-size:.8rem}
.mini-table td{border-bottom:1px solid var(--line);padding:7px 10px}
.mini-table td:last-child{font-weight:700;color:var(--red,#b71c1d);white-space:nowrap}
.faq details .mini-table{margin:4px 24px 14px;width:calc(100% - 48px)}