/* ====================================================================
   ÜBERSEITE (Dachmarken-Startseite) — geteilte Styles für die
   Demo-Varianten demo-startseite-1/2/3.html.
   Nach Variantenwahl wird daraus die finale Startseite gebaut.
   ==================================================================== */

@font-face { font-family:'CooperBT'; src:url('/fonts/CooperLtBT-Regular.ttf') format('truetype'); font-weight:400; font-style:normal; font-display:swap; }

:root{
  --ip-green:#77BC26;--ip-green-dark:#6AAD1F;--ip-green-darker:#5A9418;
  --ip-green-08:rgba(119,188,38,0.08);--ip-green-10:rgba(119,188,38,0.10);--ip-green-15:rgba(119,188,38,0.15);--ip-green-25:rgba(119,188,38,0.25);
  --ip-charcoal:#1A1A1A;--ip-white:#FFFFFF;
  --ip-text:#1A1A1A;--ip-text-medium:#333333;--ip-text-light:#666666;--ip-text-muted:#999999;
  --ip-gray-50:#FAFAFA;--ip-gray-100:#F5F5F5;--ip-gray-200:#E5E5E5;--ip-gray-300:#D4D4D4;
  --ip-error:#E57373;--ip-error-bg:#FFEBEE;
  --radius-sm:4px;--radius-md:8px;--radius-lg:12px;--radius-xl:20px;--radius-pill:9999px;
  --shadow-xs:0 1px 2px rgba(0,0,0,0.04);
  --shadow-sm:0 2px 8px rgba(0,0,0,0.06);
  --shadow-md:0 4px 16px rgba(0,0,0,0.08);
  --shadow-lg:0 8px 24px rgba(0,0,0,0.10);
  --shadow-xl:0 16px 48px rgba(0,0,0,0.12);
  --ease:cubic-bezier(0.4,0,0.2,1);
  --ease-out:cubic-bezier(0,0,0.2,1);
  /* Markenakzente (aus den Logo-SVGs) */
  --brand-invest:#77BC26;  --brand-invest-text:#5A9418;  --tint-invest:#F0F9E8;
  --brand-health:#3FE0D0;  --brand-health-text:#149E90;  --tint-health:#E8FAF8;
  --brand-immo:#B08154;    --brand-immo-text:#8F6136;    --tint-immo:#F7EFE6;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--ip-text);background:var(--ip-white);line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit}

.wrap{max-width:1200px;margin:0 auto;padding:0 24px}

/* Scroll-Reveal (nur transform/opacity, GPU-freundlich) */
.rv{opacity:0;transform:translateY(16px);transition:opacity 600ms var(--ease-out),transform 600ms var(--ease-out)}
.rv.is-in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}}

/* ====================================================================
   DEMO-CHROME — Varianten-Leiste oben + Floating-Switcher (Desktop)
   ==================================================================== */
.demo-bar{background:var(--ip-charcoal);color:#fff;padding:12px 0;font-size:13px}
.demo-bar .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.demo-bar .t{font-weight:600}
.demo-bar .links{display:flex;align-items:center;gap:8px}
.demo-bar .links a{display:inline-flex;align-items:center;padding:5px 14px;border-radius:var(--radius-pill);text-decoration:none;color:rgba(255,255,255,0.75);border:1px solid rgba(255,255,255,0.25);transition:all 200ms var(--ease)}
.demo-bar .links a:hover{color:#fff;border-color:rgba(255,255,255,0.6)}
.demo-bar .links a.on{background:var(--ip-green);border-color:var(--ip-green);color:#fff;font-weight:600}
.var-switch{position:fixed;right:24px;bottom:24px;z-index:90;display:flex;align-items:center;gap:6px;background:var(--ip-charcoal);border-radius:var(--radius-pill);padding:6px;box-shadow:var(--shadow-xl)}
.var-switch a{display:flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;color:rgba(255,255,255,0.7);font-size:13px;font-weight:600;text-decoration:none;transition:all 200ms var(--ease)}
.var-switch a:hover{color:#fff}
.var-switch a.on{background:var(--ip-green);color:#fff}
@media(max-width:880px){.var-switch{display:none}}

/* ====================================================================
   HEADER (aus _template.html)
   ==================================================================== */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,0.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--ip-gray-200);transition:box-shadow 300ms var(--ease)}
.site-header.is-scrolled{box-shadow:var(--shadow-sm)}
.site-header-row{max-width:1320px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 16px}
.brand-logo{display:inline-flex;align-items:center;text-decoration:none;line-height:0}
.brand-logo img{display:block;width:118px;height:40px;object-fit:contain;object-position:left center}
/* Alter Marken-Switcher (nur Demo-Seiten mit Inline-Header, <details class="bs">).
   startseite.html bekommt Header + Styles zentral via site-header-loader.js aus
   investplan.html injiziert (<div class="bs">) — diese Alt-Regeln daher strikt
   auf details.bs scopen, sonst überschreiben sie den geteilten Header. */
details.bs{position:relative;display:inline-flex;flex-direction:column;align-items:stretch}
details.bs > summary{position:relative;z-index:1;list-style:none;cursor:pointer;display:flex;align-items:center;gap:16px;user-select:none;-webkit-tap-highlight-color:transparent}
details.bs > summary::-webkit-details-marker{display:none}
details.bs::before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;border-radius:14px;background:transparent;pointer-events:none;transition:all 220ms var(--ease)}
details.bs[open]::before{top:-16px;left:-24px;right:-18px;bottom:-76px;background:#fff;box-shadow:0 8px 16px -4px rgba(0,0,0,0.07)}
details.bs .bs-menu{display:none;position:absolute;top:calc(100% + 14px);left:0;right:0;z-index:1;flex-direction:column;align-items:stretch}
details.bs[open] > .bs-menu{display:flex}
details.bs .bs-item{display:inline-flex;align-items:center;justify-content:flex-start;line-height:0;padding:14px 0;border-top:1px solid var(--ip-gray-100);transition:opacity 150ms var(--ease)}
details.bs .bs-item img{display:block;width:auto;height:18px;object-fit:contain;object-position:left center}
details.bs .bs-item:hover{opacity:0.7}
details.bs .trg{flex-shrink:0;width:22px;height:22px;border-radius:50%;background:var(--ip-gray-100);color:var(--ip-text-muted);display:inline-flex;align-items:center;justify-content:center;transition:all 200ms var(--ease);margin-left:auto}
details.bs .trg svg{width:10px;height:10px;transition:transform 250ms var(--ease)}
details.bs[open] > summary .trg svg{transform:rotate(180deg)}
.site-nav{display:flex;gap:4px;align-items:center}
.site-nav a{display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:500;color:var(--ip-text-medium);text-decoration:none;padding:8px 14px;border-radius:var(--radius-pill);transition:all 200ms var(--ease)}
.site-nav a:hover{background:var(--ip-gray-100);color:var(--ip-text)}
.nav-dd{position:relative}
.nav-dd > summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:500;color:var(--ip-text-medium);padding:8px 14px;border-radius:var(--radius-pill);transition:all 200ms var(--ease)}
.nav-dd > summary::-webkit-details-marker{display:none}
.nav-dd > summary:hover{background:var(--ip-gray-100);color:var(--ip-text)}
.nav-dd > summary svg{width:14px;height:14px;color:var(--ip-text-muted);transition:transform 250ms var(--ease)}
.nav-dd[open] > summary svg{transform:rotate(180deg)}
.nav-dd-menu{position:absolute;top:calc(100% + 8px);left:0;min-width:200px;background:#fff;border:1px solid var(--ip-gray-200);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:6px;display:flex;flex-direction:column;z-index:50}
.nav-dd-menu a{padding:10px 12px;border-radius:var(--radius-md);font-size:14px;font-weight:500;color:var(--ip-text-medium);text-decoration:none;transition:all 160ms var(--ease)}
.nav-dd-menu a:hover{background:var(--ip-gray-100);color:var(--ip-text)}
/* Alte Trust-Pill (nur Demo-Seiten, <a class="trust-pill">) — der injizierte
   Header nutzt <div class="trust-pill"> mit Scroll-Morph, daher auf a. scopen. */
a.trust-pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;background:#fff;border:1.5px solid #FFD7A8;border-radius:var(--radius-pill);box-shadow:var(--shadow-xs);text-decoration:none;transition:all 200ms var(--ease)}
a.trust-pill:hover{transform:translateY(-1px);box-shadow:var(--shadow-sm);border-color:#FF9E5A}
a.trust-pill .avatar{width:36px;height:36px;border-radius:50%;flex-shrink:0;background:#FFE9D2;box-shadow:inset 0 0 0 2px #fff;position:relative}
a.trust-pill .avatar img{width:100%;height:100%;object-fit:cover;display:block;border-radius:50%;position:relative;z-index:1}
a.trust-pill .avatar::before{content:'';position:absolute;inset:-3.5px;border-radius:50%;background:conic-gradient(from 0deg,transparent 0deg,#FF7A1A 60deg,transparent 120deg,transparent 360deg);z-index:0;animation:tp-orbit 2.6s linear infinite}
a.trust-pill .avatar::after{content:'';position:absolute;inset:-1.5px;border-radius:50%;background:#fff;z-index:0}
@keyframes tp-orbit{to{transform:rotate(360deg)}}
@media(prefers-reduced-motion:reduce){a.trust-pill .avatar::before{animation:none}}
a.trust-pill .txt{display:flex;flex-direction:column;line-height:1.15;text-align:left}
a.trust-pill .txt b{font-size:12px;font-weight:700;color:var(--ip-charcoal);letter-spacing:-0.01em}
a.trust-pill .txt span{font-size:11px;color:var(--ip-text-light)}
@media(max-width:880px){
  .site-header-row{padding:10px 16px;gap:12px}
  .site-nav{display:none}
  a.trust-pill .txt span{display:none}
  .brand-logo img{height:34px}
}

/* ====================================================================
   BUTTONS
   ==================================================================== */
.btn-orange{display:inline-flex;align-items:center;gap:18px;background:linear-gradient(135deg,#F5945C 0%,#E37234 100%);color:#fff;padding:18px 22px 18px 32px;border-radius:var(--radius-pill);text-decoration:none;box-shadow:0 6px 22px rgba(227,114,52,0.32);transition:all 250ms var(--ease)}
.btn-orange:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(227,114,52,0.42)}
.btn-orange .btn-text{display:flex;flex-direction:column;line-height:1.2;text-align:left}
.btn-orange .btn-text .top{font-size:18px;font-weight:700;letter-spacing:-0.005em}
.btn-orange .btn-text .sub{font-size:13px;font-weight:500;opacity:0.92}
.btn-orange .icon{width:42px;height:42px;background:rgba(255,255,255,0.22);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.btn-orange .icon svg{width:20px;height:20px;color:#fff;display:block}
.btn-ghost{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--ip-charcoal);font-weight:600;font-size:16px;padding:13px 26px;border:1.5px solid var(--ip-gray-200);border-radius:var(--radius-pill);text-decoration:none;transition:all 200ms var(--ease)}
.btn-ghost:hover{border-color:var(--ip-charcoal)}
.btn-ghost svg{display:block}

/* ====================================================================
   GEMEINSAME SEKTIONS-BAUSTEINE
   ==================================================================== */
.sec-eyebrow{display:inline-block;font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--ip-green-darker);background:var(--ip-green-10);padding:6px 14px;border-radius:var(--radius-pill)}
.sec-h2{font-family:'CooperBT',serif;font-weight:400;font-size:clamp(28px,3.4vw,40px);line-height:1.18;color:var(--ip-charcoal);letter-spacing:-0.01em;text-wrap:balance}
.sec-sub{font-size:17px;color:var(--ip-text-light);text-wrap:balance}
.sec-head-center{text-align:center;max-width:660px;margin:0 auto 56px;display:flex;flex-direction:column;align-items:center;gap:16px}
.stat-line{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.stat-line .stat{display:flex;align-items:center;gap:7px;font-size:13px;color:var(--ip-text-light)}
.stat-line .stat b{font-weight:600;color:var(--ip-text-medium)}
.stat-line .stat svg{width:15px;height:15px;color:var(--ip-green);flex-shrink:0}
.stat-line .sep{width:1px;height:14px;background:var(--ip-gray-200)}

/* ====================================================================
   HERO — 3 Ausprägungen
   ==================================================================== */
/* — V1: Split (Text links, Marken-Karte rechts) — */
.hero-split{background:linear-gradient(180deg,var(--ip-gray-50) 0%,#fff 100%);padding:88px 0 80px}
.hero-split .inner{max-width:1200px;margin:0 auto;padding:0 24px;display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:center}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--ip-green-darker);background:var(--ip-green-10);padding:6px 14px;border-radius:var(--radius-pill);margin-bottom:20px}
.hero-h1{font-family:'CooperBT',serif;font-weight:400;font-size:clamp(38px,4.6vw,56px);line-height:1.1;color:var(--ip-charcoal);letter-spacing:-0.01em;text-wrap:balance;margin-bottom:20px}
.hero-h1 .accent{color:var(--ip-green)}
.hero-lead{font-size:18px;color:var(--ip-text-light);max-width:480px;text-wrap:balance;margin-bottom:32px}
.hero-split .stat-line{margin-top:24px}

/* Marken-Karte */
.hero-card{background:#fff;border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);padding:28px}
.hero-card .hc-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:18px}
.hero-card .hc-title{font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--ip-text-muted)}
.hero-card .hc-badge{display:inline-flex;align-items:center;background:var(--tint-invest);color:var(--ip-green-darker);font-size:11px;font-weight:600;padding:4px 12px;border-radius:var(--radius-pill);white-space:nowrap}
.hero-card .hc-rows{display:flex;flex-direction:column;gap:12px}
.hero-card .hc-row{display:flex;align-items:center;gap:16px;padding:19px 20px;border-radius:var(--radius-lg);text-decoration:none;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.hero-card .hc-row:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.hero-card .hc-row.is-invest{background:var(--tint-invest)}
.hero-card .hc-row.is-health{background:var(--tint-health)}
.hero-card .hc-row.is-immo{background:var(--tint-immo)}
.hero-card .hc-row img{height:18px;width:auto;flex-shrink:0}
.hero-card .hc-row .hc-area{font-size:13px;color:var(--ip-text-light);margin-left:auto;white-space:nowrap}
.hero-card .hc-row .hc-arrow{width:30px;height:30px;border-radius:50%;background:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:var(--shadow-xs)}
.hero-card .hc-row .hc-arrow svg{width:14px;height:14px;display:block}
.hero-card .hc-row.is-invest .hc-arrow svg{color:var(--brand-invest-text)}
.hero-card .hc-row.is-health .hc-arrow svg{color:var(--brand-health-text)}
.hero-card .hc-row.is-immo .hc-arrow svg{color:var(--brand-immo-text)}
.hero-card .hc-note{display:flex;align-items:center;gap:8px;margin-top:16px;font-size:12px;color:var(--ip-text-muted)}
.hero-card .hc-note svg{width:14px;height:14px;color:var(--ip-green);flex-shrink:0}

/* — V2: Zentriert mit großem Foto darunter — */
.hero-center{background:linear-gradient(180deg,var(--tint-invest) 0%,#fff 62%);padding:88px 0 0;overflow:hidden}
.hero-center .inner{max-width:880px;margin:0 auto;padding:0 24px;text-align:center;display:flex;flex-direction:column;align-items:center}
.hero-center .hero-eyebrow{margin-bottom:24px}
.hero-center .hero-h1{margin-bottom:22px}
.hero-center .hero-lead{margin:0 auto 32px}
.hero-center .stat-line{justify-content:center;margin-top:24px}
.hero-photo{position:relative;max-width:1040px;margin:56px auto 0;padding:0 24px}
.hero-photo .ph{border-radius:var(--radius-xl) var(--radius-xl) 0 0;box-shadow:var(--shadow-xl);overflow:hidden}
.hero-photo .ph img{width:100%;height:420px;object-fit:cover;display:block}
.hero-photo .chip{position:absolute;display:flex;align-items:center;gap:10px;background:#fff;border-radius:var(--radius-pill);box-shadow:var(--shadow-lg);padding:10px 18px;font-size:13px;font-weight:600;color:var(--ip-charcoal)}
.hero-photo .chip svg{width:16px;height:16px;flex-shrink:0;display:block}
.hero-photo .chip small{display:block;font-size:11px;font-weight:500;color:var(--ip-text-light);line-height:1.2}
.hero-photo .chip .cwrap{display:flex;flex-direction:column;line-height:1.25;text-align:left}
.hero-photo .chip-tl{top:22px;left:48px}
.hero-photo .chip-br{right:48px;top:auto;bottom:26px}
.hero-photo .chip .star{color:#00B67A}
.hero-photo .chip .heart{color:#FF7A1A}

/* — V3: Dark Premium — */
.hero-dark{background:var(--ip-charcoal);padding:88px 0 80px;position:relative;overflow:hidden}
.hero-dark::before{content:'';position:absolute;top:-260px;right:-160px;width:640px;height:640px;border-radius:50%;background:radial-gradient(circle,rgba(119,188,38,0.16) 0%,transparent 65%);pointer-events:none}
.hero-dark .inner{position:relative;max-width:1200px;margin:0 auto;padding:0 24px;display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:center}
.hero-dark .hero-eyebrow{background:rgba(119,188,38,0.16);color:#9BD65A}
.hero-dark .hero-h1{color:#fff}
.hero-dark .hero-h1 .accent{color:var(--ip-green)}
.hero-dark .hero-lead{color:rgba(255,255,255,0.65)}
.hero-dark .stat-line{margin-top:24px}
.hero-dark .stat-line .stat{color:rgba(255,255,255,0.6)}
.hero-dark .stat-line .stat b{color:rgba(255,255,255,0.9)}
.hero-dark .stat-line .sep{background:rgba(255,255,255,0.18)}
.hero-card.dark{background:#242424;box-shadow:none}
.hero-card.dark .hc-title{color:rgba(255,255,255,0.5)}
.hero-card.dark .hc-badge{background:rgba(119,188,38,0.16);color:#9BD65A}
.hero-card.dark .hc-row{background:#2D2D2D}
.hero-card.dark .hc-row:hover{box-shadow:0 8px 24px rgba(0,0,0,0.4)}
.hero-card.dark .hc-row .hc-area{color:rgba(255,255,255,0.55)}
.hero-card.dark .hc-row .hc-arrow{background:rgba(255,255,255,0.08);box-shadow:none}
.hero-card.dark .hc-row.is-invest .hc-arrow svg{color:#8FD348}
.hero-card.dark .hc-row.is-health .hc-arrow svg{color:#3FE0D0}
.hero-card.dark .hc-row.is-immo .hc-arrow svg{color:#C9995F}
.hero-card.dark .hc-note{color:rgba(255,255,255,0.45)}

/* ====================================================================
   SOCIAL PROOF — Presse-Marquee (aus investplan.html)
   ==================================================================== */
.social-proof{background:#fff;padding:48px 0;border-top:1px solid var(--ip-gray-100);border-bottom:1px solid var(--ip-gray-100)}
.social-proof-wrap{max-width:1320px;margin:0 auto;padding:0 16px}
.social-proof-head{text-align:center;font-size:13px;font-weight:500;letter-spacing:0.3px;color:var(--ip-text-light);margin-bottom:28px}
.social-proof-viewport{position:relative;overflow:hidden;mask-image:linear-gradient(90deg,transparent 0,#000 140px,#000 calc(100% - 140px),transparent 100%);-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 140px,#000 calc(100% - 140px),transparent 100%)}
.social-proof-track{display:flex;width:max-content;align-items:center;animation:marqueeScroll 55s linear infinite;gap:80px;will-change:transform}
.social-proof-track:hover{animation-play-state:paused}
.social-proof-track .logo{display:flex;align-items:center;justify-content:center;flex-shrink:0;height:40px}
.social-proof-track .logo img{height:100%;width:auto;object-fit:contain;display:block;opacity:0.85;transition:opacity 200ms var(--ease)}
.social-proof-track .logo:hover img{opacity:1}
.social-proof-track .logo.smaller{height:28px}
@keyframes marqueeScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ====================================================================
   PAIN POINTS — „Kommt dir das bekannt vor?“
   ==================================================================== */
.pain{background:var(--ip-gray-50);padding:96px 0}
.pain .grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;max-width:880px;margin:0 auto 48px}
.pain .card{display:flex;align-items:flex-start;gap:16px;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:26px 28px}
.pain .card .x{width:36px;height:36px;border-radius:50%;background:var(--ip-error-bg);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pain .card .x svg{width:16px;height:16px;color:var(--ip-error);display:block}
.pain .card p{font-size:15px;color:var(--ip-text-medium);line-height:1.6;text-wrap:balance;align-self:center}
.pain .turn{display:flex;align-items:center;justify-content:center;gap:10px;font-size:16px;font-weight:500;color:var(--ip-text-medium);text-align:center}
.pain .turn svg{width:20px;height:20px;color:var(--ip-green);flex-shrink:0}
.pain .turn b{font-weight:600;color:var(--ip-charcoal)}

/* ====================================================================
   SUB-BRANDS — Variante 4 „Getönte Panels“ (gewählt)
   ==================================================================== */
.brands{background:#fff;padding:96px 0}
.brands .head{display:flex;align-items:flex-end;justify-content:space-between;gap:48px;margin-bottom:48px}
.brands .head .left{display:flex;flex-direction:column;align-items:flex-start;gap:16px}
.brands .head .sec-h2{max-width:560px}
.brands .head .sec-sub{max-width:380px;padding-bottom:6px}
.sb-role{display:flex;align-items:center;gap:8px;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1.5px}
.sb-role .dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.sb-desc{font-size:15px;line-height:1.65;color:var(--ip-text-light);font-weight:400;text-wrap:balance}
.sb-badge{display:inline-flex;align-items:center;background:var(--ip-white);box-shadow:var(--shadow-xs);color:var(--ip-green-darker);font-size:11px;font-weight:600;letter-spacing:0.5px;text-transform:uppercase;padding:4px 12px;border-radius:var(--radius-pill);white-space:nowrap}
.is-invest .sb-role{color:var(--brand-invest-text)} .is-invest .sb-role .dot{background:var(--brand-invest)}
.is-health .sb-role{color:var(--brand-health-text)} .is-health .sb-role .dot{background:var(--brand-health)}
.is-immo .sb-role{color:var(--brand-immo-text)}     .is-immo .sb-role .dot{background:var(--brand-immo)}
.brands .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.brands .panel{display:flex;flex-direction:column;gap:16px;border-radius:var(--radius-lg);padding:40px 32px;min-height:320px;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.brands .panel:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.brands .panel.is-invest{background:var(--tint-invest)} .brands .panel.is-health{background:var(--tint-health)} .brands .panel.is-immo{background:var(--tint-immo)}
.brands .panel .logo{height:26px;width:auto;align-self:flex-start}
.brands .panel .sb-badge{align-self:flex-start}
.brands .panel .btn{margin-top:auto;align-self:flex-start;display:inline-flex;align-items:center;gap:10px;background:var(--ip-white);font-size:14px;font-weight:600;padding:12px 22px;border-radius:var(--radius-pill);box-shadow:var(--shadow-xs);text-decoration:none;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.brands .panel .btn svg{display:block}
.brands .panel .btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.brands .panel.is-invest .btn{color:var(--brand-invest-text)} .brands .panel.is-health .btn{color:var(--brand-health-text)} .brands .panel.is-immo .btn{color:var(--brand-immo-text)}

/* ====================================================================
   STATS — „Zahlen, die überzeugen“ (dunkles Band)
   ==================================================================== */
.stats-band{background:var(--ip-charcoal);padding:80px 0}
.stats-band .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.stats-band .cell{text-align:center;display:flex;flex-direction:column;gap:6px}
.stats-band .num{font-size:44px;font-weight:600;color:#fff;line-height:1.1;letter-spacing:-0.01em}
.stats-band .num .u{color:var(--ip-green)}
.stats-band .lbl{font-size:14px;color:rgba(255,255,255,0.55);text-wrap:balance}

/* ====================================================================
   ABLAUF — „Ein Ansprechpartner. Alles geregelt.“
   ==================================================================== */
.ablauf{background:var(--ip-gray-50);padding:96px 0}
.ablauf .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:48px}
.ablauf .step{position:relative;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:36px 32px;display:flex;flex-direction:column;gap:14px;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.ablauf .step:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.ablauf .step .num{width:44px;height:44px;border-radius:50%;background:var(--ip-green-10);color:var(--ip-green-darker);display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:600}
.ablauf .step h3{font-size:19px;font-weight:600;color:var(--ip-charcoal);text-wrap:balance}
.ablauf .step p{font-size:15px;color:var(--ip-text-light);line-height:1.65;text-wrap:balance}
.ablauf .checks{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap;margin-bottom:40px}
.ablauf .check{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:500;color:var(--ip-text-medium)}
.ablauf .check svg{width:16px;height:16px;color:var(--ip-green);flex-shrink:0}
.ablauf .cta-row{display:flex;justify-content:center}

/* ====================================================================
   COMMUNITY — Foto-Marquee (aus investplan.html)
   ==================================================================== */
.community{background:#fff;padding:96px 0 80px;overflow:hidden}
.community .sec-head-center{margin-bottom:48px}
.community-viewport{overflow:hidden}
.community-track{display:flex;width:max-content;animation:communityScroll 55s linear infinite;will-change:transform}
.community-track:hover{animation-play-state:paused}
.community-track img{height:360px;width:auto;border-radius:16px;margin-right:24px;object-fit:cover}
@keyframes communityScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ====================================================================
   STIMMEN — Trustpilot (1:1-Styles von investplan.html)
   ==================================================================== */
.stimmen{position:relative;background:#fff}
.stimmen-pad-global{padding-left:5%;padding-right:5%}
.stimmen-container{width:100%;max-width:80rem;margin-left:auto;margin-right:auto}
.stimmen-pad-section{padding-top:6.25rem;padding-bottom:6.25rem}
.community-box{z-index:2;display:flex;flex-flow:column;justify-content:flex-start;align-items:center;padding-top:38.813rem;position:relative}
.stimmen-head{display:flex;flex-flow:column;grid-row-gap:1rem;justify-content:flex-start;align-items:center;width:100%;margin:0 auto 3rem;text-align:center}
.stimmen-badges{display:flex;flex-flow:row;grid-column-gap:.75rem;grid-row-gap:.75rem;justify-content:flex-start;align-items:center}
.section-badge{display:flex;grid-column-gap:.5rem;justify-content:flex-start;align-items:center;-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);color:#000;letter-spacing:-.24px;background-color:#fff;border:1px solid #ffffff14;border-radius:6.25rem;padding:.55rem .75rem .5rem;font-size:.75rem;font-weight:600;line-height:1.4;text-decoration:none;box-shadow:var(--shadow-sm)}
.section-badge strong{font-weight:700}
.section-badge .fw-regular{font-weight:400}
.icon-1x1rem{flex:none;display:flex;justify-content:center;align-items:center;width:1rem}
.icon-1x1rem img{width:100%}
.header-h2{font-family:'CooperBT',serif;font-weight:400;color:#000;letter-spacing:-1.48px;font-size:3rem;line-height:1;max-width:24rem;margin:0;text-wrap:balance}
.code-100{width:100%}
.bg-vid-wrp{display:flex;flex-flow:column;justify-content:center;position:absolute;inset:0% 0% auto;overflow:hidden}
.box-bg{z-index:1;width:100%;height:100%;position:relative}
.cover-img{object-fit:cover;width:100%;height:100%;display:block}
@media(min-width:992px){
  .box-bg{height:min(61.33vw,1000px)}
  .cover-img{object-position:bottom}
  .community-box{padding-top:calc(min(61.33vw,1000px) - 380px)}
}
@media(max-width:991px){
  .stimmen-pad-section{padding-top:6rem;padding-bottom:6rem}
}
@media(max-width:767px){
  .community-box{padding-top:27.913rem}
  .box-bg{height:700px}
}
@media(max-width:479px){
  .stimmen-pad-section{padding-top:5rem;padding-bottom:5rem}
  .community-box{padding-top:22rem}
  .box-bg{height:503px}
  .header-h2{font-size:2.25rem;max-width:18rem}
  .stimmen-badges{flex-flow:column;justify-content:flex-start;align-items:center}
}

/* ====================================================================
   MAGAZIN — Themen-Karten
   ==================================================================== */
.magazin{background:var(--ip-gray-50);padding:96px 0}
.magazin .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:40px}
.magazin .topic{display:flex;flex-direction:column;gap:14px;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:32px;text-decoration:none;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.magazin .topic:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.magazin .topic .ic{width:48px;height:48px;border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:center}
.magazin .topic .ic svg{width:22px;height:22px;display:block}
.magazin .topic.t-invest .ic{background:var(--tint-invest)} .magazin .topic.t-invest .ic svg{color:var(--brand-invest-text)}
.magazin .topic.t-health .ic{background:var(--tint-health)} .magazin .topic.t-health .ic svg{color:var(--brand-health-text)}
.magazin .topic.t-immo .ic{background:var(--tint-immo)}     .magazin .topic.t-immo .ic svg{color:var(--brand-immo-text)}
.magazin .topic h3{font-size:18px;font-weight:600;color:var(--ip-charcoal);text-wrap:balance}
.magazin .topic p{font-size:14px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}
.magazin .topic .more{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--ip-green-darker);margin-top:auto;padding-top:6px}
.magazin .topic .more svg{display:block;transition:transform 250ms var(--ease)}
.magazin .topic:hover .more svg{transform:translateX(3px)}
.magazin .cta-row{display:flex;justify-content:center}

/* ====================================================================
   FAQ
   ==================================================================== */
.faq{background:#fff;padding:96px 0}
.faq .list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--ip-gray-50);border-radius:var(--radius-lg);overflow:hidden;transition:background 250ms var(--ease)}
.faq details[open]{background:#fff;box-shadow:var(--shadow-sm)}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 28px;font-size:16px;font-weight:600;color:var(--ip-charcoal);user-select:none;-webkit-tap-highlight-color:transparent;text-wrap:balance}
.faq summary::-webkit-details-marker{display:none}
.faq summary .chev{width:32px;height:32px;border-radius:50%;background:#fff;box-shadow:var(--shadow-xs);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform 250ms var(--ease),background 250ms var(--ease)}
.faq summary .chev svg{width:15px;height:15px;color:var(--ip-text-medium);display:block}
.faq details[open] summary .chev{transform:rotate(180deg);background:var(--ip-green-10)}
.faq details[open] summary .chev svg{color:var(--ip-green-darker)}
.faq .body{padding:0 28px 24px;font-size:15px;color:var(--ip-text-light);line-height:1.7;max-width:660px}

/* ====================================================================
   FINALER CTA
   ==================================================================== */
.final-cta{background:#fff;padding:0 0 96px}
.final-cta .panel{position:relative;overflow:hidden;background:var(--ip-charcoal);border-radius:var(--radius-xl);padding:80px 48px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:24px}
.final-cta .panel::before{content:'';position:absolute;bottom:-300px;left:50%;transform:translateX(-50%);width:760px;height:760px;border-radius:50%;background:radial-gradient(circle,rgba(119,188,38,0.22) 0%,transparent 65%);pointer-events:none}
.final-cta .panel > *{position:relative}
.final-cta .sec-h2{color:#fff;max-width:560px}
.final-cta .sec-sub{color:rgba(255,255,255,0.65);max-width:480px}
.final-cta .stat-line{justify-content:center}
.final-cta .stat-line .stat{color:rgba(255,255,255,0.6)}
.final-cta .stat-line .stat b{color:rgba(255,255,255,0.9)}
.final-cta .stat-line .sep{background:rgba(255,255,255,0.18)}

/* ====================================================================
   FOOTER (aus _template.html)
   ==================================================================== */
.site-footer{background:#fff;border-top:1px solid var(--ip-gray-200);padding:48px 16px 36px}
.site-footer-inner{max-width:1320px;margin:0 auto}
.footer-top{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-bottom:28px;border-bottom:1px solid var(--ip-gray-100);margin-bottom:20px;flex-wrap:wrap}
.footer-brand{display:inline-flex;align-items:center;text-decoration:none;line-height:0}
.footer-brand img{width:118px;height:40px;object-fit:contain;object-position:left center}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:var(--ip-text-light)}
.footer-links{display:flex;gap:24px;flex-wrap:wrap}
.footer-links a{color:var(--ip-text-medium);text-decoration:none;transition:color 200ms var(--ease)}
.footer-links a:hover{color:var(--ip-charcoal)}

/* ====================================================================
   MOBILE
   ==================================================================== */
@media(max-width:880px){
  .pain,.brands,.ablauf,.community,.magazin,.faq{padding:56px 0}
  .stats-band{padding:56px 0}
  .final-cta{padding:0 0 56px}
  .sec-head-center{margin-bottom:36px}
  .sec-sub{font-size:16px}

  /* Hero: mobil immer zentriert (DESIGN.md §8) */
  .hero-split,.hero-dark{padding:56px 0}
  .hero-split .inner,.hero-dark .inner{grid-template-columns:1fr;gap:40px;text-align:center}
  .hero-lead{margin-left:auto;margin-right:auto}
  .hero-split .btn-orange,.hero-dark .btn-orange,.hero-center .btn-orange{margin-left:auto;margin-right:auto}
  .hero-split .stat-line,.hero-dark .stat-line{justify-content:center;flex-wrap:nowrap;gap:9px}
  .hero-split .stat-line .stat,.hero-dark .stat-line .stat,.hero-center .stat-line .stat{font-size:11px;gap:5px;white-space:nowrap}
  .hero-split .stat-line .stat svg,.hero-dark .stat-line .stat svg{width:13px;height:13px}
  .hero-split .stat-line .sep,.hero-dark .stat-line .sep{height:12px}
  .hero-card{padding:20px;text-align:left}
  .hero-card .hc-row{padding:14px 16px}
  .hero-card .hc-row .hc-area{display:none}
  .hero-center{padding:56px 0 0}
  .hero-center .stat-line{flex-wrap:nowrap;gap:9px}
  .hero-photo{margin-top:40px}
  .hero-photo .ph img{height:240px}
  .hero-photo .chip{padding:8px 14px;font-size:12px}
  .hero-photo .chip-tl{top:12px;left:36px}
  .hero-photo .chip-br{right:36px;bottom:14px}

  .social-proof{padding:36px 0}
  .social-proof-track{gap:48px}
  .social-proof-track .logo{height:32px}
  .social-proof-track .logo.smaller{height:24px}
  .social-proof-viewport{mask-image:linear-gradient(90deg,transparent 0,#000 40px,#000 calc(100% - 40px),transparent 100%);-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 40px,#000 calc(100% - 40px),transparent 100%)}

  .pain .grid{grid-template-columns:1fr;gap:14px;margin-bottom:36px}
  .pain .card{padding:20px 22px}
  .pain .turn{flex-direction:column;gap:8px;padding:0 12px}

  .brands .head{flex-direction:column;align-items:flex-start;gap:16px;margin-bottom:36px}
  .brands .grid{grid-template-columns:1fr;gap:16px}
  .brands .panel{min-height:0;padding:32px 24px}

  .stats-band .grid{grid-template-columns:repeat(2,1fr);gap:36px 16px}
  .stats-band .num{font-size:34px}
  .stats-band .lbl{font-size:13px}

  .ablauf .steps{grid-template-columns:1fr;gap:16px;margin-bottom:36px}
  .ablauf .checks{flex-direction:column;align-items:center;gap:14px;margin-bottom:32px}

  .community-track{animation-duration:40s}
  .community-track img{height:240px;border-radius:12px;margin-right:14px}

  .magazin .grid{grid-template-columns:1fr;gap:16px;margin-bottom:32px}

  .faq summary{padding:18px 20px;font-size:15px}
  .faq .body{padding:0 20px 20px}

  .final-cta .panel{padding:56px 24px}
  .final-cta .stat-line{flex-wrap:nowrap;gap:9px}
  .final-cta .stat-line .stat{font-size:11px;gap:5px;white-space:nowrap}

  .site-footer{padding:36px 16px 28px}
  .footer-bottom{flex-direction:column-reverse;align-items:flex-start;gap:12px}
}

@media(prefers-reduced-motion:reduce){
  .community-track,.social-proof-track{animation:none}
}

/* ====================================================================
   NACHTRAG v2 — Step-Icons, Magazin-Artikel, Hero-Marken-Boxen,
   „Kommt dir das bekannt vor?"-Varianten
   ==================================================================== */

/* Ablauf-Schritte: generierte Piktogramme (Stil 19) mit Lucide-Fallback */
.ablauf .step .ico{position:relative;width:64px;height:64px;border-radius:var(--radius-lg);background:var(--ip-green-08);display:flex;align-items:center;justify-content:center;overflow:hidden}
.ablauf .step .ico img{width:56px;height:56px;object-fit:contain;mix-blend-mode:multiply;display:block}
.ablauf .step .ico .fb{display:none;align-items:center;justify-content:center}
.ablauf .step .ico .fb svg{width:26px;height:26px;color:var(--ip-green-darker);display:block}
.ablauf .step .ico.is-fb img{display:none}
.ablauf .step .ico.is-fb .fb{display:flex}
.ablauf .step .stepnum{position:absolute;top:28px;right:28px;font-size:16px;font-weight:600;color:var(--ip-green);background:#fff;width:40px;height:40px;border-radius:50%;box-shadow:var(--shadow-sm);display:flex;align-items:center;justify-content:center}

/* Magazin: echte Artikel-Karten (bis zu 6, via /api/magazin/public) */
.magazin .grid.art-grid{grid-template-columns:repeat(3,1fr)}
.magazin .art-card{display:flex;flex-direction:column;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);overflow:hidden;text-decoration:none;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.magazin .art-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.magazin .art-card .cover{aspect-ratio:16/10;background:var(--ip-gray-100);overflow:hidden}
.magazin .art-card .cover img{width:100%;height:100%;object-fit:cover;display:block}
.magazin .art-card .cover.ph{display:flex;align-items:center;justify-content:center;background:var(--tint-invest)}
.magazin .art-card .cover.ph svg{width:32px;height:32px;color:var(--ip-green-darker);opacity:0.55;display:block}
.magazin .art-card .bd{display:flex;flex-direction:column;gap:10px;padding:22px 24px 24px;flex:1}
.magazin .art-card .cat{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1.2px;color:var(--ip-green-darker)}
.magazin .art-card h3{font-size:17px;font-weight:600;line-height:1.4;color:var(--ip-charcoal);text-wrap:balance}
.magazin .art-card p{font-size:14px;color:var(--ip-text-light);line-height:1.6}
.magazin .art-card .meta{margin-top:auto;padding-top:8px;font-size:12.5px;color:var(--ip-text-muted)}

/* Hero-Marken-Boxen (kompakte Reihe) — Basis für die Hero-Varianten */
.hb-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;width:100%;max-width:880px}
.hb{display:flex;align-items:center;gap:14px;padding:18px 20px;border-radius:var(--radius-lg);text-decoration:none;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.hb:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.hb img{height:17px;width:auto;flex-shrink:0}
.hb .area{font-size:12px;color:var(--ip-text-light);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.hb .arr{width:26px;height:26px;border-radius:50%;background:#fff;box-shadow:var(--shadow-xs);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-left:auto}
.hb .arr svg{width:13px;height:13px;display:block}
.hb .txt{display:flex;flex-direction:column;gap:7px;min-width:0;text-align:left}
.hb .txt img{align-self:flex-start}
.hb.is-invest{background:var(--tint-invest)} .hb.is-invest .arr svg{color:var(--brand-invest-text)}
.hb.is-health{background:var(--tint-health)} .hb.is-health .arr svg{color:var(--brand-health-text)}
.hb.is-immo{background:var(--tint-immo)}     .hb.is-immo .arr svg{color:var(--brand-immo-text)}
/* Hero A: Reihe zwischen Text und Foto */
.hero-center .hb-row.under-cta{margin:36px auto 0}
/* Hero B: Reihe überlappt die Foto-Oberkante */
.hero-photo .hb-row.on-photo{position:relative;z-index:2;margin:-40px auto 0;padding:0 48px;max-width:960px}
.hero-photo .hb-row.on-photo .hb{background:#fff;box-shadow:var(--shadow-lg)}
.hero-photo .hb-row.on-photo .hb .arr{background:var(--ip-gray-100);box-shadow:none}
.hero-photo .hb-row.on-photo .hb.is-invest{box-shadow:var(--shadow-lg),inset 0 3px 0 var(--brand-invest)}
.hero-photo .hb-row.on-photo .hb.is-health{box-shadow:var(--shadow-lg),inset 0 3px 0 var(--brand-health)}
.hero-photo .hb-row.on-photo .hb.is-immo{box-shadow:var(--shadow-lg),inset 0 3px 0 var(--brand-immo)}
/* Hero C: Glas-Boxen unten im Foto */
.hero-photo .hb-row.glass{position:absolute;left:48px;right:48px;bottom:24px;max-width:none}
.hero-photo .hb-row.glass .hb{background:rgba(255,255,255,0.82);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}
/* Hero D: große Boxen mit Kurzbeschreibung statt Foto */
.hb-row.big{max-width:1040px;margin:44px auto 0;align-items:stretch}
.hb-row.big .hb{flex-direction:column;align-items:flex-start;gap:12px;padding:28px}
.hb-row.big .hb .area{white-space:normal;font-size:13px;line-height:1.55}
.hb-row.big .hb .arr{margin-left:0;margin-top:4px}
.hero-center.no-photo{padding-bottom:88px}

/* „Kommt dir das bekannt vor?" — Varianten */
/* B: Headline links, X-Liste rechts */
.pain .pv-split{display:grid;grid-template-columns:5fr 7fr;gap:64px;align-items:start;max-width:1040px;margin:0 auto}
.pain .pv-split .intro{display:flex;flex-direction:column;align-items:flex-start;gap:16px;position:sticky;top:96px}
.pain .pv-split .rows{display:flex;flex-direction:column}
.pain .pv-split .row{display:flex;align-items:center;gap:18px;padding:24px 8px;border-top:1px solid var(--ip-gray-200)}
.pain .pv-split .row:last-of-type{border-bottom:1px solid var(--ip-gray-200)}
.pain .pv-split .row p{font-size:15.5px;color:var(--ip-text-medium);text-wrap:balance}
.pain .pv-split .turn{justify-content:flex-start;text-align:left;margin-top:28px;padding:0 8px}
/* C: Gegenüberstellung Ohne/Mit */
.pain .pv-compare{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:1040px;margin:0 auto}
.pain .pv-compare .col{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:36px}
.pain .pv-compare .col.good{background:var(--tint-invest)}
.pain .pv-compare .col h3{font-size:19px;font-weight:600;color:var(--ip-charcoal);margin-bottom:22px;text-wrap:balance}
.pain .pv-compare .item{display:flex;align-items:flex-start;gap:12px;padding:10px 0}
.pain .pv-compare .item p{font-size:15px;color:var(--ip-text-medium);line-height:1.55;text-wrap:balance}
.pain .pv-compare .item .x,.pain .pv-compare .item .c{width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.pain .pv-compare .item .x{background:var(--ip-error-bg)}
.pain .pv-compare .item .x svg{width:13px;height:13px;color:var(--ip-error);display:block}
.pain .pv-compare .item .c{background:#fff;box-shadow:var(--shadow-xs)}
.pain .pv-compare .item .c svg{width:13px;height:13px;color:var(--ip-green-darker);display:block}
/* D: O-Töne / Zitate */
.pain .pv-quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;max-width:880px;margin:0 auto 48px}
.pain .pv-quotes .q{position:relative;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:30px 30px 26px}
.pain .pv-quotes .q .mark{font-family:'CooperBT',serif;font-size:44px;line-height:1;color:var(--ip-green);opacity:0.85;display:block;margin-bottom:6px}
.pain .pv-quotes .q p{font-size:16px;color:var(--ip-text-medium);line-height:1.6;text-wrap:balance}

@media(max-width:880px){
  .ablauf .step .stepnum{top:24px;right:24px}
  .magazin .grid.art-grid{grid-template-columns:1fr}
  .hb-row{grid-template-columns:1fr;gap:10px;max-width:420px}
  .hb{padding:14px 16px}
  .hero-photo .hb-row.on-photo{margin-top:-20px;padding:0 36px}
  .hero-photo .hb-row.glass{position:static;margin:12px auto 0;padding:0 24px}
  .hb-row.big{margin-top:32px}
  .hb-row.big .hb{flex-direction:row;align-items:center;gap:14px;padding:16px}
  .hb-row.big .hb .txt{gap:0}
  .hb-row.big .hb .area{display:none}
  .hb-row.big .hb .arr{margin-left:auto;margin-top:0}
  .pain .pv-split{grid-template-columns:1fr;gap:32px}
  .pain .pv-split .intro{position:static}
  .pain .pv-compare{grid-template-columns:1fr;gap:16px}
  .pain .pv-compare .col{padding:26px 24px}
  .pain .pv-quotes{grid-template-columns:1fr;gap:14px;margin-bottom:36px}
}
.pain .pv-split .row .x{width:36px;height:36px;border-radius:50%;background:var(--ip-error-bg);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pain .pv-split .row .x svg{width:16px;height:16px;color:var(--ip-error);display:block}

/* ====================================================================
   NACHTRAG v3 — Hero mit Foto-Hintergrund + Marken-Unterstreichungen
   ==================================================================== */
.hero-foto{position:relative;padding:88px 0 72px;overflow:hidden;background:#fff}
.hero-foto .bg{position:absolute;inset:0;z-index:0;pointer-events:none}
.hero-foto .bg img{width:100%;height:100%;object-fit:cover;object-position:center 28%}
.hero-foto .bg::after{content:'';position:absolute;inset:0}
.hero-foto .inner{position:relative;z-index:1;max-width:920px;margin:0 auto;padding:0 24px;text-align:center;display:flex;flex-direction:column;align-items:center}
.hero-foto .hero-eyebrow{margin-bottom:24px}
.hero-foto .hero-h1{margin-bottom:22px}
.hero-foto .hero-lead{margin:0 auto 32px}
.hero-foto .stat-line{justify-content:center;margin-top:24px}
.hero-foto .hb-row{margin:40px auto 0}
.hero-foto .hb-row .hb{background-clip:padding-box}
/* Foto-Behandlungen (Varianten) */
.hero-foto.f-soft .bg img{opacity:0.12}
.hero-foto.f-soft .bg::after{background:linear-gradient(180deg,rgba(255,255,255,0.3) 0%,rgba(255,255,255,0.05) 42%,#fff 96%)}
.hero-foto.f-praesent .bg img{opacity:0.22;filter:saturate(0.55)}
.hero-foto.f-praesent .bg::after{background:linear-gradient(180deg,rgba(255,255,255,0.88) 0%,rgba(255,255,255,0.12) 46%,#fff 96%)}
.hero-foto.f-mono .bg img{opacity:0.15;filter:grayscale(1)}
.hero-foto.f-mono .bg::after{background:linear-gradient(180deg,rgba(255,255,255,0.35) 0%,rgba(255,255,255,0.06) 42%,#fff 96%)}

/* Marken-Unterstreichungen in der Headline (Text bleibt schwarz) */
.hero-h1 .u{color:inherit}
.ul-solid .hero-h1 .u{background-repeat:no-repeat;background-position:0 96%;background-size:100% 0.11em;padding-bottom:0.08em}
.ul-solid .hero-h1 .u-invest{background-image:linear-gradient(var(--brand-invest),var(--brand-invest))}
.ul-solid .hero-h1 .u-health{background-image:linear-gradient(var(--brand-health),var(--brand-health))}
.ul-solid .hero-h1 .u-immo{background-image:linear-gradient(var(--brand-immo),var(--brand-immo))}
.ul-marker .hero-h1 .u{background-repeat:no-repeat;background-position:0 82%;background-size:100% 0.34em}
.ul-marker .hero-h1 .u-invest{background-image:linear-gradient(rgba(119,188,38,0.38),rgba(119,188,38,0.38))}
.ul-marker .hero-h1 .u-health{background-image:linear-gradient(rgba(63,224,208,0.42),rgba(63,224,208,0.42))}
.ul-marker .hero-h1 .u-immo{background-image:linear-gradient(rgba(176,129,84,0.34),rgba(176,129,84,0.34))}
.ul-swing .hero-h1 .u{background-repeat:no-repeat;background-position:center 100%;background-size:100% 0.26em;padding-bottom:0.24em}
.ul-swing .hero-h1 .u-invest{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 120 12' preserveAspectRatio='none'%3E%3Cpath d='M3 9 Q 60 2 117 7' fill='none' stroke='%2377BC26' stroke-width='5' stroke-linecap='round'/%3E%3C/svg%3E")}
.ul-swing .hero-h1 .u-health{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 120 12' preserveAspectRatio='none'%3E%3Cpath d='M3 9 Q 60 2 117 7' fill='none' stroke='%233FE0D0' stroke-width='5' stroke-linecap='round'/%3E%3C/svg%3E")}
.ul-swing .hero-h1 .u-immo{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 120 12' preserveAspectRatio='none'%3E%3Cpath d='M3 9 Q 60 2 117 7' fill='none' stroke='%23B08154' stroke-width='5' stroke-linecap='round'/%3E%3C/svg%3E")}

@media(max-width:880px){
  .hero-foto{padding:56px 0 48px}
  .hero-foto .hb-row{margin-top:32px}
}

/* ====================================================================
   NACHTRAG v4 — Hero-Finale (Variante B): volle Familie-Panels im Hero,
   Foto-Hintergrund nach oben geschoben
   ==================================================================== */
.hero-foto.with-panels{padding-bottom:88px}
.hero-foto.with-panels .bg{inset:0 0 auto 0;height:min(72%,780px)}
.hero-foto.with-panels .bg img{object-position:center 42%}
.hero-foto.f-praesent.with-panels .bg::after{background:linear-gradient(180deg,rgba(255,255,255,0.5) 0%,rgba(255,255,255,0.08) 30%,rgba(255,255,255,0.7) 74%,#fff 100%)}
.hero-foto .fam-wrap{position:relative;z-index:1;max-width:1200px;margin:64px auto 0;padding:0 24px}
.hero-foto .brands.fam{background:transparent;padding:0}
@media(max-width:880px){
  .hero-foto.with-panels{padding-bottom:56px}
  .hero-foto.with-panels .bg{height:520px}
  .hero-foto .fam-wrap{margin-top:44px}
}

/* ====================================================================
   NACHTRAG v5 — Mobile-Hero (Variante B): Foto oben in voller Breite,
   Headline rutscht unter das Foto
   ==================================================================== */
@media(max-width:880px){
  .hero-foto.with-panels{padding-top:0}
  /* Foto-Box folgt dem Seitenverhältnis des Bilds (1078×700) →
     bei voller Viewport-Breite ist praktisch das ganze Foto sichtbar */
  .hero-foto.with-panels .bg{inset:0 0 auto 0;height:auto;aspect-ratio:1078/700}
  .hero-foto.f-praesent.with-panels .bg img{opacity:0.95;filter:saturate(0.8);object-position:center top}
  .hero-foto.f-praesent.with-panels .bg::after{background:linear-gradient(180deg,rgba(255,255,255,0.14) 0%,rgba(255,255,255,0) 34%,rgba(255,255,255,0.45) 76%,#fff 97%)}
  /* Headline beginnt erst im unteren Foto-Auslauf */
  .hero-foto.with-panels .inner{padding-top:60vw}
}

/* ====================================================================
   NACHTRAG v6 — Split-Hero: Foto links, Text rechts (4 Varianten)
   ==================================================================== */
.hero-sp{background:#fff;overflow:hidden}
.hero-sp .split{position:relative;max-width:1320px;margin:0 auto;padding:72px 24px;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.hero-sp .txt{display:flex;flex-direction:column;align-items:flex-start;text-align:left}
.hero-sp .txt .hero-eyebrow{margin-bottom:20px}
.hero-sp .txt .hero-h1{font-size:clamp(34px,3.6vw,48px);line-height:1.25;margin-bottom:20px}
.hero-sp .txt .hero-lead{margin:0 0 32px}
.hero-sp .txt .stat-line{margin-top:24px}
.hero-sp .ph{position:relative}
.hero-sp .ph img{width:100%;height:100%;object-fit:cover;display:block}
.hero-sp .fam-wrap{position:relative;max-width:1320px;margin:0 auto;padding:8px 24px 88px}
.hero-sp .brands.fam{background:transparent;padding:0}

/* — Split A: Foto = komplette linke Hälfte (Full-Bleed) — */
.hero-sp.v-a .split{max-width:none;padding:0;gap:0;align-items:stretch}
.hero-sp.v-a .ph{min-height:560px}
.hero-sp.v-a .ph img{position:absolute;inset:0}
.hero-sp.v-a .txt{padding:96px 24px 96px 72px;max-width:660px}

/* — Split B: Foto-Karte links (45/55) — */
.hero-sp.v-b .split{grid-template-columns:5.5fr 6.5fr;padding-top:80px;padding-bottom:32px}
.hero-sp.v-b .ph{height:480px;border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-xl)}

/* — Split C: Foto dominant (60/40) mit Auslauf nach rechts — */
.hero-sp.v-c .split{max-width:none;padding:0;gap:0;grid-template-columns:1.4fr 1fr;align-items:stretch}
.hero-sp.v-c .ph{min-height:600px}
.hero-sp.v-c .ph img{position:absolute;inset:0}
.hero-sp.v-c .ph::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,transparent 58%,#fff 100%)}
.hero-sp.v-c .txt{padding:96px 24px 96px 12px;max-width:560px}

/* — Split D: kompakte Foto-Karte (40/60) mit Farbfläche — */
.hero-sp.v-d .split{grid-template-columns:4.5fr 7.5fr;padding-top:80px;padding-bottom:32px}
.hero-sp.v-d .phwrap{position:relative}
.hero-sp.v-d .phwrap::before{content:'';position:absolute;inset:28px -18px -18px 28px;background:var(--tint-invest);border-radius:var(--radius-xl)}
.hero-sp.v-d .ph{position:relative;height:440px;border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}

@media(max-width:880px){
  .hero-sp .split{grid-template-columns:1fr;max-width:none;padding:0 0 40px;gap:48px;align-items:start}
  /* Gap hier (in der Mobil-MQ) setzen — sonst gewinnt die Desktop-Regel .hero-sp.v-a .split{gap:0} (höhere Spezifität) und Foto+Pille kleben. */
  .hero-sp.v-a .split,.hero-sp.v-b .split,.hero-sp.v-c .split,.hero-sp.v-d .split{grid-template-columns:1fr;padding:0 0 40px;gap:48px}
  .hero-sp .ph,.hero-sp.v-a .ph,.hero-sp.v-b .ph,.hero-sp.v-c .ph,.hero-sp.v-d .ph{height:auto;min-height:0;aspect-ratio:1078/700;border-radius:0;box-shadow:none}
  .hero-sp.v-a .ph img,.hero-sp.v-c .ph img{position:static}
  .hero-sp.v-c .ph::after{background:linear-gradient(180deg,transparent 68%,#fff 100%)}
  .hero-sp.v-d .phwrap::before{display:none}
  .hero-sp .txt,.hero-sp.v-a .txt,.hero-sp.v-c .txt{padding:0 24px;max-width:none;align-items:center;text-align:center}
  .hero-sp .txt .hero-h1{font-size:30px}
  .hero-sp .txt .btn-orange{margin-left:auto;margin-right:auto}
  .hero-sp .txt .stat-line{justify-content:center;flex-wrap:nowrap;gap:9px}
  .hero-sp .txt .stat-line .stat{font-size:11px;gap:5px;white-space:nowrap}
  .hero-sp .fam-wrap{padding:8px 24px 56px;margin-top:16px}
}

/* ====================================================================
   NACHTRAG v7 — Familie-Panels als eigene Sektion (unter der Logo-Leiste)
   ==================================================================== */
.fam-section{background:#fff;scroll-margin-top:72px}
.fam-section .fam-wrap{max-width:1320px;margin:0 auto;padding:80px 24px 96px}
.fam-section .brands.fam{background:transparent;padding:0}
@media(max-width:880px){
  .fam-section .fam-wrap{padding:48px 24px 56px}
}

/* ====================================================================
   NACHTRAG v8 — Familie-Panels: größere Bereichs-Zeile, CTA „Zum Selbsttest"
   ==================================================================== */
.brands .panel .sb-role{font-size:12.5px;letter-spacing:1.2px}
.brands .panel .sb-role .dot{width:9px;height:9px}

/* ====================================================================
   NACHTRAG v9 — Sekundär-Button „Mehr Infos" in den Familie-Panels
   ==================================================================== */
.brands .panel .btn-row{display:flex;align-items:center;gap:10px;margin-top:auto;flex-wrap:wrap}
.brands .panel .btn-row .btn{margin-top:0}
.btn2{display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:600;padding:12px 18px;border-radius:var(--radius-pill);text-decoration:none;transition:all 250ms var(--ease)}
.btn2 svg{display:block;transition:transform 250ms var(--ease)}
.btn2:hover svg{transform:translateX(2px)}
.is-invest .btn2{color:var(--brand-invest-text)}
.is-health .btn2{color:var(--brand-health-text)}
.is-immo .btn2{color:var(--brand-immo-text)}
/* V1 — Text-Link in Markenfarbe */
.mi-1 .btn2{padding:12px 6px;background:transparent}
/* V2 — Outline-Pill */
.mi-2 .btn2{border:1.5px solid;background:transparent}
.mi-2 .is-invest .btn2{border-color:rgba(119,188,38,0.45)}
.mi-2 .is-health .btn2{border-color:rgba(20,158,144,0.4)}
.mi-2 .is-immo .btn2{border-color:rgba(176,129,84,0.45)}
.mi-2 .is-invest .btn2:hover{border-color:var(--brand-invest-text)}
.mi-2 .is-health .btn2:hover{border-color:var(--brand-health-text)}
.mi-2 .is-immo .btn2:hover{border-color:var(--brand-immo-text)}
/* V3 — Soft-Weiß (halbtransparent) */
.mi-3 .btn2{background:rgba(255,255,255,0.55)}
.mi-3 .btn2:hover{background:#fff;box-shadow:var(--shadow-xs)}
/* V4 — Neutral (dezenter Grauton) */
.mi-4 .is-invest .btn2,.mi-4 .is-health .btn2,.mi-4 .is-immo .btn2{color:var(--ip-text-medium);padding:12px 6px;background:transparent}
.mi-4 .btn2:hover{color:var(--ip-charcoal)}

/* ====================================================================
   NACHTRAG v10 — „Mehr Infos" (Outline): gleiche Höhe wie Primär-Button
   (Rahmen frisst 1,5px je Seite → Padding kompensiert) + dezenter
   ==================================================================== */
.mi-2 .btn2{padding:10.5px 18px;opacity:0.7}
.mi-2 .btn2:hover{opacity:1}

/* ====================================================================
   NACHTRAG v11 — „Kommt dir das bekannt vor?": 4 visuelle Varianten
   ==================================================================== */
/* — V1: Versus-Panel (eine geteilte Karte, Zeilen paarweise auf Höhe) — */
.pvv-1 .panelbox{position:relative;max-width:1040px;margin:0 auto;border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-md);display:grid;grid-template-columns:1fr 1fr;background:#fff}
.pvv-1 .cell{padding:14px 40px;display:flex;align-items:center;gap:12px}
.pvv-1 .cell.good{background:var(--tint-invest)}
.pvv-1 .cell.head{padding-top:40px;padding-bottom:10px}
.pvv-1 .cell.head h3{font-size:18px;font-weight:600;color:var(--ip-charcoal);text-wrap:balance}
.pvv-1 .cell.last{padding-bottom:40px}
.pvv-1 .cell p{font-size:15px;color:var(--ip-text-medium);line-height:1.55;text-wrap:balance}
.pvv-1 .vs{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:52px;height:52px;border-radius:50%;background:var(--ip-charcoal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;letter-spacing:0.5px;box-shadow:var(--shadow-lg);z-index:2}
/* — V2: Dunkel gegen Grün (das Gute gewinnt sichtbar) — */
.pvv-2 .grid2{display:grid;grid-template-columns:1fr 1.08fr;gap:24px;max-width:1040px;margin:0 auto;align-items:center}
.pvv-2 .col{border-radius:var(--radius-xl);padding:40px}
.pvv-2 .col h3{font-size:18px;font-weight:600;margin-bottom:20px;text-wrap:balance}
.pvv-2 .col .item{display:flex;align-items:flex-start;gap:12px;padding:10px 0}
.pvv-2 .col .item p{font-size:15px;line-height:1.55;text-wrap:balance}
.pvv-2 .col.bad{background:var(--ip-charcoal)}
.pvv-2 .col.bad h3{color:rgba(255,255,255,0.9)}
.pvv-2 .col.bad .item p{color:rgba(255,255,255,0.65)}
.pvv-2 .col.bad .x{background:rgba(229,115,115,0.18)}
.pvv-2 .col.good{background:var(--tint-invest);box-shadow:var(--shadow-lg);padding:48px 40px}
.pvv-2 .col.good h3{color:var(--ip-charcoal)}
.pvv-2 .col.good .gb{display:inline-flex;align-items:center;background:#fff;box-shadow:var(--shadow-xs);color:var(--ip-green-darker);font-size:11px;font-weight:600;letter-spacing:0.5px;text-transform:uppercase;padding:4px 12px;border-radius:var(--radius-pill);margin-bottom:14px}
/* — V3: Vorher → Nachher pro Zeile — */
.pvv-3 .cols-label{display:grid;grid-template-columns:1fr 56px 1fr;max-width:1040px;margin:0 auto 14px;padding:0 28px;gap:8px}
.pvv-3 .cols-label span{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:1.2px;color:var(--ip-text-muted)}
.pvv-3 .cols-label span:last-child{color:var(--ip-green-darker)}
.pvv-3 .rows{max-width:1040px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
.pvv-3 .row{display:grid;grid-template-columns:1fr 56px 1fr;align-items:center;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:20px 28px;gap:8px}
.pvv-3 .side{display:flex;align-items:center;gap:12px}
.pvv-3 .side p{font-size:15px;line-height:1.5;text-wrap:balance}
.pvv-3 .side.bad p{color:var(--ip-text-light)}
.pvv-3 .side.good p{color:var(--ip-charcoal);font-weight:500}
.pvv-3 .mid{width:36px;height:36px;border-radius:50%;background:var(--ip-green-10);display:flex;align-items:center;justify-content:center;justify-self:center}
.pvv-3 .mid svg{width:16px;height:16px;color:var(--ip-green-darker);display:block}
/* — V4: Zettel-Chaos wird aufgeräumt — */
.pvv-4 .notes{display:flex;justify-content:center;align-items:stretch;gap:20px;flex-wrap:wrap;max-width:1100px;margin:0 auto 36px}
.pvv-4 .note{width:242px;background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-md);padding:22px;display:flex;flex-direction:column;gap:12px;transform:rotate(-2deg)}
.pvv-4 .note:nth-child(2){transform:rotate(1.6deg) translateY(6px)}
.pvv-4 .note:nth-child(3){transform:rotate(-1deg) translateY(-4px)}
.pvv-4 .note:nth-child(4){transform:rotate(2.2deg) translateY(4px)}
.pvv-4 .note p{font-size:14.5px;color:var(--ip-text-medium);line-height:1.5;text-wrap:balance}
.pvv-4 .down{display:flex;justify-content:center;margin-bottom:36px}
.pvv-4 .down span{width:44px;height:44px;border-radius:50%;background:var(--ip-green-10);display:flex;align-items:center;justify-content:center}
.pvv-4 .down svg{width:18px;height:18px;color:var(--ip-green-darker);display:block}
.pvv-4 .resolve{max-width:760px;margin:0 auto;background:var(--tint-invest);border-radius:var(--radius-xl);padding:40px 44px}
.pvv-4 .resolve h3{font-size:19px;font-weight:600;color:var(--ip-charcoal);margin-bottom:20px;text-align:center;text-wrap:balance}
.pvv-4 .resolve .gl{display:grid;grid-template-columns:1fr 1fr;gap:12px 28px}
.pvv-4 .resolve .item{display:flex;align-items:flex-start;gap:10px}
.pvv-4 .resolve .item p{font-size:14.5px;color:var(--ip-text-medium);line-height:1.5;text-wrap:balance}
/* Gemeinsame X-/Check-Chips für die Varianten */
.pv-x{width:30px;height:30px;border-radius:50%;background:var(--ip-error-bg);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pv-x svg{width:14px;height:14px;color:var(--ip-error);display:block}
.pv-c{width:30px;height:30px;border-radius:50%;background:#fff;box-shadow:var(--shadow-xs);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pv-c svg{width:14px;height:14px;color:var(--ip-green-darker);display:block}

@media(max-width:880px){
  .pvv-1 .panelbox{grid-template-columns:1fr}
  .pvv-1 .vs{display:none}
  .pvv-1 .cell{padding:10px 24px}
  .pvv-1 .cell.head{padding-top:28px}
  .pvv-1 .cell.last{padding-bottom:28px}
  .pvv-1 .cell.bad.last{padding-bottom:28px}
  .pvv-2 .grid2{grid-template-columns:1fr;gap:16px}
  .pvv-2 .col,.pvv-2 .col.good{padding:28px 24px}
  .pvv-3 .cols-label{display:none}
  .pvv-3 .row{grid-template-columns:1fr;gap:12px;padding:20px}
  .pvv-3 .mid{transform:rotate(90deg)}
  .pvv-4 .note{width:100%;max-width:340px;transform:none!important}
  .pvv-4 .resolve{padding:28px 24px}
  .pvv-4 .resolve .gl{grid-template-columns:1fr}
}

/* ====================================================================
   NACHTRAG v12 — Versus-Panel verfeinert: Trennlinien, größere Schrift,
   Watercolor-Motive (Chaos/Ordnung/Split)
   ==================================================================== */
.pvv-1.ref .cell{padding:18px 40px}
.pvv-1.ref .cell p{font-size:16.5px;line-height:1.6}
.pvv-1.ref .cell.head h3{font-size:19px}
.pvv-1.ref .cell.bad:not(.head):not(.last){border-bottom:1px solid var(--ip-gray-100)}
.pvv-1.ref .cell.good:not(.head):not(.last){border-bottom:1px solid rgba(90,148,24,0.12)}
.pvv-1.ref .cell.head{padding-top:36px;padding-bottom:14px}
.pvv-1.ref .cell.last{padding-bottom:40px}
/* Watercolor-Banner oben in den Spalten */
.pvv-1 .cell.banner{padding:0;display:block}
.pvv-1 .cell.banner img{width:100%;height:170px;object-fit:cover;display:block}
.pvv-1 .cell.banner.good img{mix-blend-mode:multiply}
/* Kleine Vignette neben dem Spalten-Titel */
.pvv-1 .cell.head .vig{width:64px;height:64px;border-radius:50%;object-fit:cover;flex-shrink:0}
.pvv-1 .cell.head.with-vig{display:flex;align-items:center;gap:16px}
/* Breites Split-Motiv zwischen Kopf und Panel */
.pain .split-img{max-width:1040px;margin:0 auto 32px;border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-sm)}
.pain .split-img img{width:100%;height:230px;object-fit:cover;display:block}
@media(max-width:880px){
  .pvv-1.ref .cell{padding:14px 24px}
  .pvv-1.ref .cell p{font-size:15.5px}
  .pvv-1 .cell.banner img{height:120px}
  .pain .split-img img{height:150px}
}

/* v12b — Versus-Panel mobil: Spalten als Blöcke gruppieren statt verzahnen */
@media(max-width:880px){
  .pvv-1 .cell.bad{order:0}
  .pvv-1 .cell.good{order:1}
  .pvv-1 .cell.bad.last{border-bottom:none;padding-bottom:26px}
  .pvv-1 .cell.head.good{padding-top:26px}
}

/* ====================================================================
   NACHTRAG v14 — Watercolor-Steps, 6 neue Sektionen, FAQ im
   InvestPlan-Stil (Editorial, 1:1 von investplan.html)
   ==================================================================== */
/* Ablauf-Schritte mit Watercolor-Motiv + Verlauf ins Weiße */
.ablauf .step.wc-step{padding:0 0 34px;gap:0}
.wc-step .wc-top{position:relative;height:190px;overflow:hidden;border-radius:var(--radius-lg) var(--radius-lg) 0 0;margin-bottom:18px}
.wc-step .wc-top img{width:100%;height:100%;object-fit:cover;display:block;mix-blend-mode:multiply}
.wc-step .wc-top::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(255,255,255,0) 30%,#fff 100%)}
.wc-step .stepnum{z-index:1;background:#fff}
.wc-step .txt{display:flex;flex-direction:column;gap:12px;padding:0 32px}

/* Journey — „So greift alles ineinander" */
.journey{background:#fff;padding:96px 0}
.journey .jsteps{max-width:820px;margin:0 auto;display:flex;flex-direction:column}
.journey .jrow{position:relative;display:grid;grid-template-columns:56px 1fr;gap:24px;padding-bottom:32px}
.journey .jrow::before{content:'';position:absolute;left:27px;top:64px;bottom:8px;width:2px;background:var(--ip-gray-200)}
.journey .jrow:last-child{padding-bottom:0}
.journey .jrow:last-child::before{display:none}
.journey .jdot{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.journey .jdot svg{width:22px;height:22px;display:block}
.journey .jdot.is-invest{background:var(--tint-invest)} .journey .jdot.is-invest svg{color:var(--brand-invest-text)}
.journey .jdot.is-health{background:var(--tint-health)} .journey .jdot.is-health svg{color:var(--brand-health-text)}
.journey .jdot.is-immo{background:var(--tint-immo)}     .journey .jdot.is-immo svg{color:var(--brand-immo-text)}
.journey .jcard{background:var(--ip-gray-50);border-radius:var(--radius-lg);padding:24px 28px}
.journey .jcard h3{font-size:17px;font-weight:600;color:var(--ip-charcoal);margin-bottom:6px;text-wrap:balance}
.journey .jcard p{font-size:15.5px;color:var(--ip-text-light);line-height:1.65;text-wrap:balance}
.journey .jnote{text-align:center;font-size:13px;color:var(--ip-text-muted);margin-top:28px;text-wrap:balance}

/* Zielgruppen — „InvestPlan passt zu dir, wenn …" */
.zielgruppen{background:var(--ip-gray-50);padding:96px 0}
.zielgruppen .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.zg-card{display:flex;flex-direction:column;gap:12px;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:28px;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.zg-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.zg-card .zic{width:44px;height:44px;border-radius:50%;background:var(--ip-green-10);display:flex;align-items:center;justify-content:center}
.zg-card .zic svg{width:20px;height:20px;color:var(--ip-green-darker);display:block}
.zg-card h3{font-size:16.5px;font-weight:600;color:var(--ip-charcoal)}
.zg-card p{font-size:14.5px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}

/* Werte — „Beratung, wie sie sein sollte." */
.werte{background:#fff;padding:96px 0}
.werte .grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:880px;margin:0 auto}
.wt{display:flex;align-items:flex-start;gap:16px;background:var(--ip-gray-50);border-radius:var(--radius-lg);padding:26px 28px}
.wt .c{width:30px;height:30px;border-radius:50%;background:#fff;box-shadow:var(--shadow-xs);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.wt .c svg{width:14px;height:14px;color:var(--ip-green-darker);display:block}
.wt h3{font-size:16.5px;font-weight:600;color:var(--ip-charcoal);margin-bottom:4px;text-wrap:balance}
.wt p{font-size:14.5px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}

/* Über — „Die Menschen dahinter" */
.ueber{background:var(--ip-gray-50);padding:96px 0}
.ueber .grid{display:grid;grid-template-columns:5fr 6fr;gap:64px;align-items:center}
.ueber .ph{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}
.ueber .ph img{width:100%;height:420px;object-fit:cover;display:block}
.ueber .txt{display:flex;flex-direction:column;align-items:flex-start}
.ueber .txt .sec-h2{margin:16px 0}
.ueber .txt p{font-size:16px;color:var(--ip-text-light);line-height:1.7;margin-bottom:8px;text-wrap:balance}
.ueber .chips{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0 28px}
.ueber .chip{display:inline-flex;align-items:center;gap:6px;background:#fff;box-shadow:var(--shadow-xs);border-radius:var(--radius-pill);padding:9px 16px;font-size:13px;color:var(--ip-text-light)}
.ueber .chip b{font-weight:600;color:var(--ip-charcoal)}

/* Tools — „Rechne nach, bevor du sprichst." */
.tools{background:#fff;padding:96px 0}
.tools .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tool{display:flex;flex-direction:column;gap:12px;background:var(--ip-gray-50);border-radius:var(--radius-lg);padding:32px;text-decoration:none;transition:transform 250ms var(--ease),box-shadow 250ms var(--ease)}
.tool:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.tool .tic{width:48px;height:48px;border-radius:var(--radius-lg);background:var(--ip-green-10);display:flex;align-items:center;justify-content:center}
.tool .tic svg{width:22px;height:22px;color:var(--ip-green-darker);display:block}
.tool h3{font-size:17px;font-weight:600;color:var(--ip-charcoal)}
.tool p{font-size:14.5px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}
.tool .more{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--ip-green-darker);margin-top:auto;padding-top:6px}
.tool .more svg{display:block;transition:transform 250ms var(--ease)}
.tool:hover .more svg{transform:translateX(3px)}

/* FAQ — Editorial-Stil (1:1 von investplan.html) */
.faq{background:#fff;padding:100px 24px}
.faq-inner{max-width:720px;margin:0 auto}
.faq-eyebrow{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:2px;color:var(--ip-green);text-align:center;margin-bottom:14px}
.faq-title{font-family:'CooperBT',serif;font-weight:400;font-size:clamp(30px,4.5vw,42px);line-height:1.12;text-align:center;color:var(--ip-charcoal);letter-spacing:-0.01em;margin-bottom:10px;text-wrap:balance}
.faq-sub{text-align:center;font-size:16px;color:var(--ip-text-light);margin-bottom:44px;text-wrap:balance}
.faq-list{border-top:1px solid var(--ip-gray-200)}
.faq-item{border-bottom:1px solid var(--ip-gray-200)}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:20px;width:100%;text-align:left;padding:26px 4px;background:none;border:none;cursor:pointer;font-family:inherit;color:inherit}
.faq-q-text{font-family:'CooperBT',serif;font-weight:400;font-size:21px;line-height:1.3;color:var(--ip-charcoal);transition:color .3s var(--ease),transform .35s cubic-bezier(0.5,1.2,0.5,1);text-wrap:balance}
.faq-q:hover .faq-q-text{color:var(--ip-green-darker);transform:translateX(6px)}
.faq-item.open .faq-q-text{color:var(--ip-green-darker)}
.faq-plus{position:relative;flex:0 0 auto;width:34px;height:34px;border-radius:50%;border:1.5px solid var(--ip-gray-300);transition:border-color .3s var(--ease),background .3s var(--ease),transform .45s cubic-bezier(0.5,1.2,0.5,1)}
.faq-plus::before,.faq-plus::after{content:"";position:absolute;left:50%;top:50%;background:var(--ip-charcoal);border-radius:2px;transition:background .3s var(--ease),transform .45s cubic-bezier(0.5,1.2,0.5,1)}
.faq-plus::before{width:13px;height:1.5px;transform:translate(-50%,-50%)}
.faq-plus::after{width:1.5px;height:13px;transform:translate(-50%,-50%)}
.faq-q:hover .faq-plus{border-color:var(--ip-green);background:var(--ip-green-10)}
.faq-item.open .faq-plus{background:var(--ip-green);border-color:var(--ip-green);transform:rotate(225deg)}
.faq-item.open .faq-plus::before,.faq-item.open .faq-plus::after{background:#fff}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .5s var(--ease)}
.faq-item.open .faq-a{grid-template-rows:1fr}
.faq-a-inner{overflow:hidden;min-height:0}
.faq-a-content{padding:0 48px 28px 4px;font-size:15.5px;color:var(--ip-text-medium);max-width:600px;opacity:0;transform:translateY(-6px);transition:opacity .35s var(--ease),transform .35s var(--ease);text-wrap:pretty}
.faq-item.open .faq-a-content{opacity:1;transform:none;transition-delay:.12s;transition-duration:.45s}
.faq-footer{margin-top:44px;text-align:center;font-size:14.5px;color:var(--ip-text-light)}
.faq-footer a{color:var(--ip-green-darker);font-weight:600;text-decoration:none;border-bottom:1.5px solid var(--ip-green-15);transition:border-color .25s var(--ease)}
.faq-footer a:hover{border-color:var(--ip-green)}
.faq-reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease-out),transform .7s var(--ease-out);transition-delay:var(--d,0s)}
.faq-reveal.in{opacity:1;transform:none}

@media(max-width:880px){
  .journey,.zielgruppen,.werte,.ueber,.tools{padding:56px 0}
  .wc-step .wc-top{height:150px}
  .wc-step .txt{padding:0 24px}
  .ablauf .step.wc-step{padding-bottom:26px}
  .journey .jrow{grid-template-columns:44px 1fr;gap:16px;padding-bottom:24px}
  .journey .jdot{width:44px;height:44px}
  .journey .jdot svg{width:18px;height:18px}
  .journey .jrow::before{left:21px;top:52px}
  .zielgruppen .grid{grid-template-columns:1fr;gap:14px}
  .werte .grid{grid-template-columns:1fr;gap:14px}
  .ueber .grid{grid-template-columns:1fr;gap:32px}
  .ueber .ph img{height:240px}
  .tools .grid{grid-template-columns:1fr;gap:16px}
}
@media(max-width:600px){
  .faq{padding:64px 18px}
  .faq-q-text{font-size:18px}
  .faq-a-content{padding-right:20px}
}
@media(prefers-reduced-motion:reduce){
  .faq-reveal{opacity:1;transform:none;transition:none}
  .faq-a,.faq-a-content,.faq-plus,.faq-plus::before,.faq-plus::after,.faq-q-text{transition:none}
}

/* ====================================================================
   NACHTRAG v15 — Werte-Piktogramme (Stil 19, mit Check-Fallback)
   ==================================================================== */
.wt .ic{width:60px;height:60px;flex-shrink:0;display:flex;align-items:center;justify-content:center;border-radius:var(--radius-md);background:#fff;box-shadow:var(--shadow-xs);overflow:hidden}
.wt .ic img{width:52px;height:52px;object-fit:contain;mix-blend-mode:multiply;display:block}
.wt .ic .fb{display:none;align-items:center;justify-content:center;width:100%;height:100%}
.wt .ic .fb svg{width:18px;height:18px;color:var(--ip-green-darker);display:block}
.wt .ic.is-fb .fb{display:flex}
.wt .ic.is-fb img{display:none}

/* ====================================================================
   NACHTRAG v17 — Werte-Alternativen + finaler CTA (6 Varianten)
   ==================================================================== */
/* — Werte B: luftig, zentriert, große Piktogramme — */
.werte-b .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;max-width:1100px;margin:0 auto}
.werte-b .wtb{display:flex;flex-direction:column;align-items:center;text-align:center;gap:14px}
.werte-b .wtb .ic{width:104px;height:104px;border-radius:50%;background:#fff;box-shadow:var(--shadow-sm);display:flex;align-items:center;justify-content:center;overflow:hidden}
.werte-b .wtb .ic img{width:84px;height:84px;object-fit:contain;mix-blend-mode:multiply;display:block}
.werte-b .wtb h3{font-size:16.5px;font-weight:600;color:var(--ip-charcoal);text-wrap:balance}
.werte-b .wtb p{font-size:14.5px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}
/* — Werte C: „statt … sondern"-Typografie — */
.werte-c .rows{max-width:880px;margin:0 auto;display:flex;flex-direction:column}
.werte-c .row{display:grid;grid-template-columns:88px 1fr 1.15fr;gap:28px;align-items:center;padding:26px 0;border-top:1px solid var(--ip-gray-200)}
.werte-c .row:last-child{border-bottom:1px solid var(--ip-gray-200)}
.werte-c .row .ic{width:72px;height:72px;border-radius:var(--radius-md);background:var(--ip-gray-50);display:flex;align-items:center;justify-content:center;overflow:hidden}
.werte-c .row .ic img{width:58px;height:58px;object-fit:contain;mix-blend-mode:multiply;display:block}
.werte-c .row .statt{display:block;font-size:13px;color:var(--ip-text-muted)}
.werte-c .row .statt s{text-decoration-thickness:1.5px;text-decoration-color:var(--ip-error)}
.werte-c .row .wort{font-family:'CooperBT',serif;font-weight:400;font-size:30px;line-height:1.1;color:var(--ip-charcoal)}
.werte-c .row .desc{font-size:15px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}
/* — Werte D: grünes Panel mit weißen Kacheln — */
.werte-d .panel{background:var(--tint-invest);border-radius:var(--radius-xl);padding:56px 48px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.werte-d .wtd{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-xs);padding:26px 22px;display:flex;flex-direction:column;gap:12px}
.werte-d .wtd .ic{width:64px;height:64px;display:flex;align-items:center;justify-content:center;overflow:hidden}
.werte-d .wtd .ic img{width:58px;height:58px;object-fit:contain;mix-blend-mode:multiply;display:block}
.werte-d .wtd h3{font-size:15.5px;font-weight:600;color:var(--ip-charcoal);text-wrap:balance}
.werte-d .wtd p{font-size:13.5px;color:var(--ip-text-light);line-height:1.55;text-wrap:balance}
/* — Werte E: Foto links, kompakte Zeilen rechts — */
.werte-e .grid{display:grid;grid-template-columns:5fr 6fr;gap:56px;align-items:center}
.werte-e .ph{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}
.werte-e .ph img{width:100%;height:440px;object-fit:cover;display:block}
.werte-e .rows{display:flex;flex-direction:column;gap:10px}
.werte-e .row{display:flex;align-items:center;gap:16px;background:var(--ip-gray-50);border-radius:var(--radius-lg);padding:16px 20px}
.werte-e .row .ic{width:52px;height:52px;border-radius:var(--radius-md);background:#fff;box-shadow:var(--shadow-xs);display:flex;align-items:center;justify-content:center;flex-shrink:0;overflow:hidden}
.werte-e .row .ic img{width:42px;height:42px;object-fit:contain;mix-blend-mode:multiply;display:block}
.werte-e .row h3{font-size:15.5px;font-weight:600;color:var(--ip-charcoal)}
.werte-e .row p{font-size:13.5px;color:var(--ip-text-light);line-height:1.5}

/* — Finaler CTA: gemeinsame Bausteine — */
.fcta{background:#fff;padding:0 0 96px}
.fcta .sec-h2{margin:0}
.fcta .stat-line{justify-content:center}
/* F1: Tint-Panel mit Foto-Auslauf */
.fcta-1 .panel{position:relative;overflow:hidden;background:var(--tint-invest);border-radius:var(--radius-xl);display:grid;grid-template-columns:1.15fr 1fr;align-items:center;min-height:380px}
.fcta-1 .txt{padding:64px 24px 64px 64px;display:flex;flex-direction:column;align-items:flex-start;gap:20px;position:relative;z-index:1}
.fcta-1 .txt .stat-line{justify-content:flex-start}
.fcta-1 .pho{position:absolute;top:0;right:0;bottom:0;width:46%}
.fcta-1 .pho img{width:100%;height:100%;object-fit:cover;display:block;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 34%);mask-image:linear-gradient(90deg,transparent 0,#000 34%)}
/* F2: weiße Karte mit Marken-Trio */
.fcta-2 .panel{background:#fff;border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);padding:72px 48px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:22px}
.fcta-2 .logos{display:flex;gap:10px;flex-wrap:wrap;justify-content:center}
.fcta-2 .logos span{display:inline-flex;align-items:center;padding:9px 16px;border-radius:var(--radius-pill)}
.fcta-2 .logos img{height:14px;width:auto;display:block}
.fcta-2 .logos .l1{background:var(--tint-invest)} .fcta-2 .logos .l2{background:var(--tint-health)} .fcta-2 .logos .l3{background:var(--tint-immo)}
/* F3: Foto-Hintergrund mit Weiß-Verlauf */
.fcta-3{position:relative;overflow:hidden;padding:110px 24px}
.fcta-3 .bg{position:absolute;inset:0;pointer-events:none}
.fcta-3 .bg img{width:100%;height:100%;object-fit:cover;object-position:center 30%;opacity:0.16;display:block}
.fcta-3 .bg::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,#fff 0%,rgba(255,255,255,0.12) 40%,#fff 100%)}
.fcta-3 .inner{position:relative;display:flex;flex-direction:column;align-items:center;text-align:center;gap:22px;max-width:660px;margin:0 auto}
/* F4: Split — zwei Wege */
.fcta-4 .panel{display:grid;grid-template-columns:1fr 1fr;border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-md)}
.fcta-4 .half{padding:56px 48px;display:flex;flex-direction:column;align-items:flex-start;gap:14px}
.fcta-4 .half h3{font-family:'CooperBT',serif;font-weight:400;font-size:26px;color:var(--ip-charcoal);text-wrap:balance}
.fcta-4 .half p{font-size:15px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}
.fcta-4 .half .cta{margin-top:auto;padding-top:12px}
.fcta-4 .half.a{background:var(--tint-invest)}
.fcta-4 .half.b{background:#fff}
/* F5: Checkliste + CTA-Karte */
.fcta-5 .panel{background:var(--ip-gray-50);border-radius:var(--radius-xl);padding:56px;display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
.fcta-5 .checks{display:flex;flex-direction:column;gap:14px;margin-top:22px}
.fcta-5 .check{display:flex;align-items:center;gap:12px;font-size:15.5px;color:var(--ip-text-medium)}
.fcta-5 .check .c{width:26px;height:26px;border-radius:50%;background:var(--ip-green-10);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.fcta-5 .check .c svg{width:13px;height:13px;color:var(--ip-green-darker);display:block}
.fcta-5 .card{background:#fff;border-radius:var(--radius-xl);box-shadow:var(--shadow-lg);padding:44px 36px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:16px}
.fcta-5 .card .small{font-size:13.5px;color:var(--ip-text-muted)}
/* F6: grüner Vollton */
.fcta-6 .panel{position:relative;overflow:hidden;background:var(--ip-green);border-radius:var(--radius-xl);padding:76px 48px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:22px}
.fcta-6 .panel::before{content:'';position:absolute;top:-220px;right:-140px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,0.22) 0%,transparent 65%);pointer-events:none}
.fcta-6 .panel > *{position:relative}
.fcta-6 .sec-h2{color:#fff}
.fcta-6 .sec-sub{color:rgba(255,255,255,0.88)}
.fcta-6 .btn-white{display:inline-flex;align-items:center;gap:12px;background:#fff;color:var(--ip-green-darker);font-size:16px;font-weight:700;padding:18px 34px;border-radius:var(--radius-pill);text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,0.15);transition:all 250ms var(--ease)}
.fcta-6 .btn-white svg{display:block}
.fcta-6 .btn-white:hover{transform:translateY(-2px);box-shadow:0 12px 32px rgba(0,0,0,0.2)}
.fcta-6 .stat-line .stat{color:rgba(255,255,255,0.85)}
.fcta-6 .stat-line .stat b{color:#fff}
.fcta-6 .stat-line .stat svg{color:#fff}
.fcta-6 .stat-line .sep{background:rgba(255,255,255,0.35)}

@media(max-width:880px){
  .werte-b .grid{grid-template-columns:1fr 1fr;gap:24px}
  .werte-c .row{grid-template-columns:56px 1fr;gap:16px;padding:20px 0}
  .werte-c .row .ic{width:52px;height:52px}
  .werte-c .row .ic img{width:42px;height:42px}
  .werte-c .row .wort{font-size:24px}
  .werte-c .row .desc{grid-column:2}
  .werte-d .panel{grid-template-columns:1fr;padding:28px 24px;gap:14px}
  .werte-e .grid{grid-template-columns:1fr;gap:28px}
  .werte-e .ph img{height:240px}
  .fcta{padding:0 0 56px}
  .fcta-1 .panel{grid-template-columns:1fr;min-height:0}
  .fcta-1 .txt{padding:36px 24px;align-items:center;text-align:center}
  .fcta-1 .txt .stat-line{justify-content:center}
  .fcta-1 .pho{position:relative;width:100%;height:220px}
  .fcta-1 .pho img{-webkit-mask-image:linear-gradient(180deg,transparent 0,#000 30%);mask-image:linear-gradient(180deg,transparent 0,#000 30%)}
  .fcta-2 .panel{padding:44px 24px}
  .fcta-3{padding:72px 24px}
  .fcta-4 .panel{grid-template-columns:1fr}
  .fcta-4 .half{padding:36px 24px}
  .fcta-5 .panel{grid-template-columns:1fr;gap:28px;padding:32px 24px}
  .fcta-6 .panel{padding:48px 24px}
}

/* ====================================================================
   NACHTRAG v18 — „Kommt dir das bekannt vor?" als Schalter-Karte
   (Variante 4 aus /demo-bekannt-designer-varianten, von Adis gewählt:
   Wortmarke monochrom im Schalter + größere Punkt-Texte)
   ==================================================================== */
.pvv-flip .flip{max-width:720px;margin:0 auto;background:#fff;border-radius:var(--radius-xl);box-shadow:var(--shadow-md);padding:40px 44px;display:flex;flex-direction:column;align-items:center;transition:background 600ms var(--ease)}
.pvv-flip .flip[data-state="good"]{background:var(--tint-invest)}
.pvv-flip .seg{position:relative;display:grid;grid-template-columns:1fr 1fr;background:#fff;border:1px solid var(--ip-gray-200);border-radius:var(--radius-pill);padding:4px;margin-bottom:26px;width:min(100%,380px);transition:border-color 600ms var(--ease)}
.pvv-flip .flip[data-state="good"] .seg{border-color:var(--ip-green-25)}
.pvv-flip .seg .thumb{position:absolute;top:4px;left:4px;width:calc(50% - 4px);height:calc(100% - 8px);border-radius:var(--radius-pill);background:var(--ip-charcoal);box-shadow:var(--shadow-sm);transition:transform 450ms var(--ease),background 450ms var(--ease)}
.pvv-flip .flip[data-state="good"] .seg .thumb{transform:translateX(100%);background:var(--ip-green)}
.pvv-flip .seg button{position:relative;z-index:1;appearance:none;border:0;background:transparent;font-family:inherit;font-size:14px;font-weight:600;color:var(--ip-text-light);padding:11px 8px;border-radius:var(--radius-pill);cursor:pointer;transition:color 350ms var(--ease);white-space:nowrap;display:inline-flex;align-items:center;justify-content:center;gap:6px}
.pvv-flip .seg button[aria-pressed="true"]{color:#fff}
/* Wortmarke monochrom via Maske → erbt die Buttonfarbe (weiß aktiv, grau inaktiv) */
.pvv-flip .seg .lg{display:block;width:100px;height:15px;background:currentColor;-webkit-mask:url('/logo/investplan-wordmark.svg') no-repeat center/contain;mask:url('/logo/investplan-wordmark.svg') no-repeat center/contain;transition:background 350ms var(--ease)}
.pvv-flip .frows{width:100%;display:flex;flex-direction:column}
.pvv-flip .frow{display:grid;grid-template-columns:34px 1fr;gap:16px;align-items:center;padding:18px 0;border-bottom:1px solid var(--ip-gray-100);transition:border-color 600ms var(--ease)}
.pvv-flip .flip[data-state="good"] .frow{border-color:rgba(90,148,24,0.14)}
.pvv-flip .frow:last-child{border-bottom:0}
.pvv-flip .cstack,.pvv-flip .tstack{display:grid}
.pvv-flip .cstack>*,.pvv-flip .tstack>*{grid-area:1/1}
.pvv-flip .sw{transition:opacity 380ms var(--ease),transform 380ms var(--ease)}
.pvv-flip .frow:nth-child(2) .sw{transition-delay:60ms}
.pvv-flip .frow:nth-child(3) .sw{transition-delay:120ms}
.pvv-flip .frow:nth-child(4) .sw{transition-delay:180ms}
.pvv-flip .cx{width:30px;height:30px;border-radius:50%;background:var(--ip-error-bg);display:flex;align-items:center;justify-content:center}
.pvv-flip .cx svg{width:13px;height:13px;color:var(--ip-error);display:block}
.pvv-flip .cc{width:30px;height:30px;border-radius:50%;background:#fff;box-shadow:var(--shadow-xs);display:flex;align-items:center;justify-content:center}
.pvv-flip .cc svg{width:13px;height:13px;color:var(--ip-green-darker);display:block}
.pvv-flip .t-bad{font-size:17px;line-height:1.55;color:var(--ip-text-light);text-wrap:balance}
.pvv-flip .t-good{font-size:17px;line-height:1.55;color:var(--ip-charcoal);font-weight:500;text-wrap:balance}
.pvv-flip .flip[data-state="bad"] .g,.pvv-flip .flip[data-state="good"] .b{opacity:0;transform:translateY(9px);pointer-events:none}
.pvv-flip .flip[data-state="bad"] .b,.pvv-flip .flip[data-state="good"] .g{opacity:1;transform:none}
.pvv-flip .hint{margin-top:20px;font-size:13px;color:var(--ip-text-muted)}
@media(max-width:880px){
  .pvv-flip .flip{padding:28px 24px}
  .pvv-flip .frow{align-items:start}
  .pvv-flip .cstack{margin-top:2px}
  .pvv-flip .t-bad,.pvv-flip .t-good{font-size:16px}
  .pvv-flip .seg .lg{width:88px;height:13px}
}
@media(max-width:420px){
  .pvv-flip .seg .lg{width:80px;height:12px}
  .pvv-flip .seg button{font-size:13.5px;gap:5px;padding:11px 4px}
}

/* ====================================================================
   NACHTRAG v19 — Hero: Marker-Sweep (Variante 1 aus
   /demo-hero-underline-varianten, von Adis gewählt): Die Marken-Marker
   wischen nacheinander von links unter die Wörter. Ohne JS (oder bei
   prefers-reduced-motion) stehen die Marker statisch — kein Flackern.
   ==================================================================== */
.ul-sweep .hero-h1 .u{position:relative;display:inline-block;z-index:0;color:inherit}
.ul-sweep .hero-h1 .nb{white-space:nowrap} /* „In Immobilien investieren." bleibt in einer Zeile */
.ul-sweep .hero-h1 .u::after{content:'';position:absolute;z-index:-1;left:-0.04em;right:-0.04em;bottom:0.06em;height:0.34em;transform-origin:left center}
.ul-sweep .hero-h1 .u-invest::after{background:rgba(119,188,38,0.38)}
.ul-sweep .hero-h1 .u-health::after{background:rgba(63,224,208,0.42)}
.ul-sweep .hero-h1 .u-immo::after{background:rgba(176,129,84,0.34)}
.ul-sweep .hero-h1 .u-invest{--d:250ms}
.ul-sweep .hero-h1 .u-health{--d:900ms}
.ul-sweep .hero-h1 .u-immo{--d:1550ms}
.ul-sweep.ul-anim .hero-h1 .u::after{transform:scaleX(0)}
.ul-sweep.ul-anim.ul-play .hero-h1 .u::after{transform:scaleX(1);transition:transform 550ms var(--ease-out) var(--d)}
@media(prefers-reduced-motion:reduce){
  .ul-sweep .hero-h1 .u::after{transform:scaleX(1)!important;transition:none!important}
}

/* ====================================================================
   NACHTRAG v21 — Werte final: Foto links, freie große Piktogramme,
   starke Trennlinien (Wahl aus /demo-werte-varianten, Variante E verfeinert)
   ==================================================================== */
.werte-f .grid{display:grid;grid-template-columns:5fr 6fr;gap:64px;align-items:center}
.werte-f .ph{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}
.werte-f .ph img{width:100%;height:500px;object-fit:cover;display:block}
.werte-f .rows{display:flex;flex-direction:column}
.werte-f .row{display:flex;align-items:center;gap:26px;padding:24px 4px}
.werte-f .row + .row{border-top:1px solid rgba(0,0,0,0.06)}
.werte-f .row .ic{width:92px;height:92px;flex-shrink:0;display:flex;align-items:center;justify-content:center}
.werte-f .row .ic img{width:92px;height:92px;object-fit:contain;mix-blend-mode:multiply;display:block}
.werte-f .row h3{font-size:17px;font-weight:600;color:var(--ip-charcoal);margin-bottom:4px;text-wrap:balance}
.werte-f .row p{font-size:14.5px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}
@media(max-width:880px){
  .werte-f .grid{grid-template-columns:1fr;gap:28px}
  .werte-f .ph img{height:240px}
  .werte-f .row{gap:18px;padding:18px 0}
  .werte-f .row .ic,.werte-f .row .ic img{width:64px;height:64px}
}

/* ====================================================================
   NACHTRAG v22 — Mittelteil-Überarbeitung: Werte mit Nummern 01–04,
   quadratisches Foto, stärkere Über-Sektion (3 Versionen)
   ==================================================================== */
/* Werte: große Nummern statt Piktogramme */
.werte-f .row .no{width:80px;flex-shrink:0;font-size:40px;font-weight:600;line-height:1;letter-spacing:-0.02em;color:var(--ip-gray-300)}
.werte-f.sq .ph img{height:auto;aspect-ratio:1/1}
/* Werte ohne Bild: zentrierte Nummern-Zeilen */
.werte-plain .rows{max-width:760px;margin:0 auto;display:flex;flex-direction:column}
.werte-plain .row{display:flex;align-items:center;gap:26px;padding:26px 4px}
.werte-plain .row + .row{border-top:2px solid var(--ip-gray-200)}
.werte-plain .row .no{width:80px;flex-shrink:0;font-size:40px;font-weight:600;line-height:1;letter-spacing:-0.02em;color:var(--ip-gray-300)}
.werte-plain .row h3{font-size:17px;font-weight:600;color:var(--ip-charcoal);margin-bottom:4px;text-wrap:balance}
.werte-plain .row p{font-size:14.5px;color:var(--ip-text-light);line-height:1.6;text-wrap:balance}

/* Über A: Editorial ohne Bild (Headline links sticky, Text rechts) */
.ueber-a .grid2{display:grid;grid-template-columns:5fr 7fr;gap:64px;align-items:start}
.ueber-a .left{position:sticky;top:110px;display:flex;flex-direction:column;align-items:flex-start;gap:16px}
.ueber-a .left .sec-h2{max-width:420px}
.ueber-a .right p{font-size:16.5px;color:var(--ip-text-medium);line-height:1.75;margin-bottom:18px;text-wrap:pretty}
.ueber-a .chips{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
.ueber-a .chip,.ueber-b .chip,.ueber-c .chip{display:inline-flex;align-items:center;gap:6px;background:#fff;box-shadow:var(--shadow-xs);border-radius:var(--radius-pill);padding:9px 16px;font-size:13px;color:var(--ip-text-light)}
.ueber-a .chip b,.ueber-b .chip b,.ueber-c .chip b{font-weight:600;color:var(--ip-charcoal)}

/* Über B: Text + Community-Marquee verschmolzen */
.ueber-b .head{max-width:720px;margin:0 auto 20px;display:flex;flex-direction:column;align-items:center;gap:16px;text-align:center}
.ueber-b .body{max-width:680px;margin:0 auto 12px}
.ueber-b .body p{font-size:16.5px;color:var(--ip-text-medium);line-height:1.75;margin-bottom:16px;text-wrap:pretty}
.ueber-b .chips{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-bottom:44px}

/* Über C: Manifesto-Statement */
.ueber-c{background:var(--ip-gray-50)}
.ueber-c .quote{font-family:'CooperBT',serif;font-weight:400;font-size:clamp(26px,3vw,36px);line-height:1.35;color:var(--ip-charcoal);text-align:center;max-width:840px;margin:0 auto 32px;text-wrap:balance}
.ueber-c .quote .gm{color:var(--ip-green)}
.ueber-c .body{max-width:660px;margin:0 auto;text-align:center}
.ueber-c .body p{font-size:16px;color:var(--ip-text-medium);line-height:1.75;margin-bottom:16px;text-wrap:pretty}
.ueber-c .chips{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:28px}

@media(max-width:880px){
  .werte-f .row .no,.werte-plain .row .no{width:52px;font-size:28px}
  .werte-plain .row{gap:16px;padding:18px 0}
  .ueber-a .grid2{grid-template-columns:1fr;gap:28px}
  .ueber-a .left{position:static}
}

/* ====================================================================
   NACHTRAG v23 — Mittelteil C verfeinert: Foto-Collage, große Stats,
   Headline-Picker für „Die Geschichte dahinter"
   ==================================================================== */
/* Werte: Collage statt Einzelfoto (Stil der Über-uns-Galerie, statisch) */
.werte-f .collage{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.werte-f .collage .ccol{display:flex;flex-direction:column;gap:12px}
.werte-f .collage img{width:100%;object-fit:cover;border-radius:var(--radius-lg);display:block}
.werte-f .collage .tall{aspect-ratio:3/4;height:auto}
.werte-f .collage .sq{aspect-ratio:1/1;height:auto}
/* Über C: große Kennzahlen statt Chips */
.big-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:40px 24px;max-width:860px;margin:44px auto 0}
.big-stats .st{display:flex;flex-direction:column;align-items:center;gap:6px;text-align:center}
.big-stats .num{font-size:38px;font-weight:600;color:var(--ip-charcoal);line-height:1;letter-spacing:-0.01em}
.big-stats .num em{font-style:normal;color:var(--ip-green)}
.big-stats .num em.star{margin-left:7px}
.big-stats .lbl{font-size:14px;color:var(--ip-text-light);text-wrap:balance}
@media(max-width:880px){
  .big-stats{grid-template-columns:1fr 1fr;gap:28px 16px;margin-top:32px}
  .big-stats .num{font-size:28px}
  .big-stats .lbl{font-size:12.5px}
  .werte-f .collage{gap:8px}
  .werte-f .collage .ccol{gap:8px}
}

/* ====================================================================
   NACHTRAG v24 — Kennzahlen-Darstellungen (4 Varianten)
   ==================================================================== */
/* S2: Editorial-Band mit Trennstrichen */
.big-stats.s2{display:grid;grid-template-columns:repeat(3,1fr);gap:0;max-width:920px;border-top:2px solid var(--ip-gray-200);border-bottom:2px solid var(--ip-gray-200);padding:28px 0}
.big-stats.s2 .st{gap:6px;padding:8px 16px}
.big-stats.s2 .st:nth-child(2),.big-stats.s2 .st:nth-child(5){border-left:1px solid var(--ip-gray-200);border-right:1px solid var(--ip-gray-200)}
.big-stats.s2 .st:nth-child(n+4){margin-top:20px}
/* S3: weiße Karten */
.big-stats.s3{gap:16px;max-width:920px}
.big-stats.s3 .st{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:26px 16px}
/* S4: grünes Band */
.big-stats-wrap.s4{background:var(--tint-invest);border-radius:var(--radius-xl);padding:40px 32px;max-width:960px;margin:44px auto 0}
.big-stats-wrap.s4 .big-stats{margin:0;max-width:none}
.big-stats-wrap.s4 .num{color:var(--ip-green-darker)}
.big-stats-wrap.s4 .num em{color:var(--ip-charcoal)}
@media(max-width:880px){
  .big-stats.s2{grid-template-columns:1fr 1fr;border-top-width:1.5px;border-bottom-width:1.5px;padding:18px 0}
  .big-stats.s2 .st{border:none!important;padding:10px 8px}
  .big-stats.s2 .st:nth-child(n+4){margin-top:0}
  .big-stats.s3{gap:10px}
  .big-stats-wrap.s4{padding:24px 16px}
}
.stats-slot > [data-sv][hidden]{display:none!important}

/* ============ Kapitalanlage-Check: Vollbild-Overlay (ImmoPlan „Zum Selbsttest") ============ */
/* Öffnungs-Animation „Soft-Zoom" (Adis-Wahl 2026-07-27): Quiz wächst sanft aus
   der Mitte; Schließen spielt rückwärts (hidden erst nach der Transition setzen). */
/* Selbsttest-Overlays der Startseite: zentral in partials/quiz-pop.js (injiziert
   eigenes CSS als .ip-quiz-pop). Die .quiz-pop-Basisregeln bleiben NUR für die
   historische Auswahl-Demo /demo-quiz-popup-animation-varianten erhalten. */
.quiz-pop{position:fixed;inset:0;z-index:1200;background:linear-gradient(160deg,#F6EEE4 0%,#fff 62%);opacity:0;transform:scale(0.94);transition:opacity 380ms var(--ease-out),transform 380ms var(--ease-out)}
.quiz-pop.show{opacity:1;transform:none}
.quiz-pop iframe{width:100%;height:100%;border:0;display:block}
html.quiz-pop-lock,html.quiz-pop-lock body{overflow:hidden}