/* Lato lokal (statt Google Fonts) */
@font-face{font-family:'Lato';font-style:normal;font-weight:400;font-display:swap;src:url(assets/fonts/lato-400-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF}
@font-face{font-family:'Lato';font-style:normal;font-weight:400;font-display:swap;src:url(assets/fonts/lato-400-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'Lato';font-style:normal;font-weight:700;font-display:swap;src:url(assets/fonts/lato-700-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF}
@font-face{font-family:'Lato';font-style:normal;font-weight:700;font-display:swap;src:url(assets/fonts/lato-700-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
/* Koll Finanzoptimierung, Variante A */
:root{
  --primary:#001948;
  --primary-mid:#0e3a8a;
  --primary-light:#e6ebf5;
  --primary-dark:#000f2e;
  --text:#333;
  --grey:#efefef;
  --grey-dark:#d9d9d9;
  --white:#fff;
  --footer:#000f2e;
  --max:1100px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Lato',Arial,Helvetica,sans-serif;font-size:17px;line-height:1.6;color:var(--text);background:var(--white)}
img,svg{max-width:100%;display:block}
a{color:var(--primary)}
a:hover{color:var(--primary-dark)}
h1,h2,h3,h4{color:var(--primary);line-height:1.25;margin:0 0 .6em;font-weight:700}
h1{font-size:2.2rem}
h2{font-size:1.9rem}
h3{font-size:1.3rem}
h4{font-size:1.1rem}
p{margin:0 0 1em}
ul{padding-left:1.3em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.center{text-align:center}
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.7em 1.4em;border:2px solid var(--white);color:var(--white);text-decoration:none;font-weight:700;border-radius:3px;transition:background .2s,color .2s}
.btn:hover{background:var(--white);color:var(--primary)}
.btn svg{width:18px;height:18px;fill:currentColor}
.btn-primary{background:var(--primary);border-color:var(--primary);color:var(--white)}
.btn-primary:hover{background:var(--primary-dark);border-color:var(--primary-dark);color:var(--white)}
.btn-outline-primary{border-color:var(--primary);color:var(--primary)}
.btn-outline-primary:hover{background:var(--primary);color:var(--white)}
.muted{color:#666;font-size:.95em}

/* Header */
.site-header{background:var(--white);box-shadow:0 2px 8px rgba(0,0,0,.08);position:sticky;top:0;z-index:100}
.site-header .container{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}
.brand{text-decoration:none;color:var(--primary);font-weight:700;font-size:1.25rem;line-height:1.1;display:flex;align-items:center;gap:10px}
.brand img{width:auto;height:40px;flex:none}
.brand small{display:block;font-weight:400;font-size:.7rem;color:#666;letter-spacing:.05em;text-transform:uppercase}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:26px;height:3px;background:var(--primary);margin:5px 0;border-radius:2px}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
.main-nav li{position:relative}
.main-nav a{display:block;padding:10px 12px;color:var(--text);text-decoration:none;font-weight:700;font-size:.95rem;border-bottom:3px solid transparent}
.main-nav a:hover,.main-nav li.active>a{color:var(--primary);border-bottom-color:var(--primary)}
.main-nav .has-sub>a::after{content:"";display:inline-block;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-left:8px;position:relative;top:-3px}
.main-nav .sub{display:none;position:absolute;top:100%;left:0;background:var(--white);min-width:240px;box-shadow:0 6px 18px rgba(0,0,0,.15);flex-direction:column;gap:0;padding:6px 0;border-top:3px solid var(--primary)}
.main-nav .sub a{padding:9px 18px;font-weight:400;border-bottom:0}
.main-nav .sub a:hover{background:var(--grey)}
.main-nav .has-sub:hover .sub,.main-nav .has-sub:focus-within .sub,.main-nav .has-sub.open .sub{display:flex}
.main-nav .nav-cta a{background:var(--primary);color:var(--white);border-radius:3px;margin-left:10px;padding:10px 18px;border-bottom:0}
.main-nav .nav-cta a:hover,.main-nav .nav-cta.active>a{background:var(--primary-dark);color:var(--white);border-bottom:0}

/* Hero (home) */
.hero{position:relative;color:var(--white);text-align:center;padding:110px 20px 170px;background:linear-gradient(135deg,#000f2e 0%,#001948 45%,#0e3a8a 100%)}
.hero::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(115deg,rgba(255,255,255,.035) 0 2px,transparent 2px 60px);pointer-events:none}
.hero>*{position:relative}
.hero .company{font-size:1.15rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:.8em;opacity:.9}
.hero h1{color:var(--white);font-size:2.6rem;max-width:900px;margin:0 auto .5em}
.hero .claim{font-size:1.2rem;opacity:.95;margin-bottom:1.8em}
.hero .actions{display:flex;justify-content:center;gap:16px;flex-wrap:wrap}

/* Welcome card */
.welcome{margin-top:-120px;position:relative;z-index:2}
.card{background:var(--white);box-shadow:0 8px 30px rgba(0,0,0,.15);padding:40px}
.welcome h2{text-align:center}
.owners{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:20px}
.owner{display:grid;grid-template-columns:150px 1fr;gap:24px;align-items:start}
.portrait{width:150px;height:180px;display:block;object-fit:cover;object-position:center top;border-radius:3px;flex-shrink:0;filter:grayscale(1)}
.owner h3{margin-bottom:.1em}
.owner .role{color:#666;margin-bottom:.6em}
.owner ul{margin:0;padding-left:1.1em;font-size:.93rem}
.contact-line{text-align:center;margin-top:36px;padding-top:24px;border-top:1px solid var(--grey);display:flex;justify-content:center;gap:28px;flex-wrap:wrap}
.contact-line span,.contact-line a{display:inline-flex;align-items:center;gap:8px}
.contact-line svg{width:18px;height:18px;fill:var(--primary)}

/* Sections */
.section{padding:70px 0}
.section-grey{background:var(--grey)}
.section-primary{background:var(--primary);color:var(--white)}
.section-primary h2,.section-primary h3{color:var(--white)}
.section h2.title{text-align:center;margin-bottom:1.6em}
.section .intro{text-align:center;max-width:780px;margin:-1.2em auto 2.4em}

/* Tiles */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.tile{background:var(--white);border:1px solid var(--grey-dark);border-top:5px solid var(--primary);padding:34px 30px;display:flex;flex-direction:column;text-decoration:none;color:var(--text);transition:transform .2s,box-shadow .2s}
.tile:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(0,0,0,.12);color:var(--text)}
.tile svg{width:52px;height:52px;fill:none;stroke:var(--primary);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;margin-bottom:18px}
.tile h3{margin-bottom:.5em}
.tile p{flex:1}
.tile .more{color:var(--primary);font-weight:700}
.tile .more::after{content:" \203A"}
.tiles-small{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:20px}
.tile-small{background:var(--grey);padding:22px 20px;text-decoration:none;color:var(--primary);font-weight:700;text-align:center;border-radius:3px;transition:background .2s}
.tile-small:hover{background:var(--grey-dark)}
.subtitle{text-align:center;font-size:1.3rem;margin:50px 0 0}

/* Steps */
.steps{list-style:none;counter-reset:step;padding:0;margin:30px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px 40px;max-width:900px;margin-left:auto;margin-right:auto}
.steps li{counter-increment:step;display:flex;gap:16px;align-items:center;font-size:1.05rem}
.steps li::before{content:counter(step);flex:none;width:44px;height:44px;border-radius:50%;border:2px solid var(--white);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.1rem}

/* Services */
.services{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.service{background:var(--white);padding:34px 20px;text-align:center;text-decoration:none;color:var(--text);border-radius:3px;transition:transform .2s,box-shadow .2s}
.service:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(0,0,0,.1);color:var(--text)}
.service svg{width:56px;height:56px;margin:0 auto 16px;fill:none;stroke:var(--primary);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.service h3{font-size:1.1rem;margin:0}

/* Contact columns */
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;text-align:center}
.cols3 svg{width:54px;height:54px;margin:0 auto 14px;fill:none;stroke:#666;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.cols3 h3{margin-bottom:.4em}
.cols3 p{margin:0}
.map{margin-top:50px;height:340px;background:repeating-linear-gradient(0deg,#e6e6e6 0 1px,transparent 1px 40px),repeating-linear-gradient(90deg,#e6e6e6 0 1px,transparent 1px 40px),#f5f3ee;border:1px solid var(--grey-dark);display:flex;align-items:center;justify-content:center}
.map div{background:var(--white);padding:18px 28px;box-shadow:0 4px 14px rgba(0,0,0,.12);text-align:center;max-width:420px}
.cta{text-align:center;padding:60px 20px}
.cta p{font-size:1.35rem;color:var(--primary);font-weight:700;margin-bottom:1.2em}

/* Sub page hero */
.page-hero{background:linear-gradient(135deg,#000f2e 0%,#001948 55%,#0e3a8a 100%);color:var(--white);padding:54px 20px}
.page-hero h1{color:var(--white);margin:0;font-size:2.2rem}
.page-hero p{margin:.4em 0 0;opacity:.9}
.content{padding:60px 0}
.content h2{font-size:1.5rem;margin-top:1.6em}
.content h2:first-child{margin-top:0}
.content ul.check{list-style:none;padding:0}
.content ul.check li{padding:8px 0 8px 32px;position:relative;border-bottom:1px solid var(--grey)}
.content ul.check li::before{content:"";position:absolute;left:4px;top:15px;width:8px;height:14px;border-right:3px solid var(--primary);border-bottom:3px solid var(--primary);transform:rotate(45deg)}
.two-col{display:grid;grid-template-columns:2fr 1fr;gap:50px}
.aside{background:var(--grey);padding:28px;align-self:start;border-radius:3px}
.aside h3{margin-top:0}
.aside .btn{width:100%;justify-content:center;margin-top:8px}
.aside .btn-primary{margin-top:14px}
.crosslinks{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:30px}
.crosslinks a{display:block;padding:22px;background:var(--grey);text-decoration:none;color:var(--text);border-left:5px solid var(--primary)}
.crosslinks a strong{display:block;color:var(--primary);margin-bottom:4px}
.crosslinks a:hover{background:var(--grey-dark)}
.downloads{list-style:none;padding:0;margin:0}
.downloads li{border:1px solid var(--grey-dark);border-radius:3px;margin-bottom:10px}
.downloads a{display:grid;grid-template-columns:40px 1fr auto;gap:14px;align-items:center;padding:14px 18px;text-decoration:none;color:var(--text)}
.downloads a:hover{background:var(--grey)}
.downloads svg{width:32px;height:32px;fill:none;stroke:var(--primary);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.downloads strong{display:block;color:var(--primary)}
.downloads small{color:#666}
.downloads .tag{font-size:.8rem;background:var(--grey);padding:4px 10px;border-radius:12px;color:#666;white-space:nowrap}
.boxes{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;margin:20px 0}
.box{background:var(--grey);padding:26px;border-radius:3px}
.box h3{margin-top:0}
.box ul{margin:0;padding-left:1.2em}
.faq{border-left:5px solid var(--primary);background:var(--grey);padding:22px 26px;margin-bottom:18px}
.faq .q{font-weight:700;color:var(--primary);margin-bottom:.5em}
.faq .a{margin:0}
.fines{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.fine{border:1px solid var(--grey-dark);padding:26px;border-radius:3px}
.fine .amount{font-size:2rem;font-weight:700;color:var(--primary);margin-bottom:.3em}
.fine p{margin:0}
.videos{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:22px}
.video{background:#1f2a33;aspect-ratio:16/9;color:var(--white);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:16px;border-radius:3px;font-weight:700}
.video svg{width:46px;height:46px;fill:var(--white);margin-bottom:10px;opacity:.9}
.video small{font-weight:400;opacity:.7;margin-top:4px}
.calc-list{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}
.calc-list a{display:block;padding:14px 18px;background:var(--grey);text-decoration:none;color:var(--primary);font-weight:700;border-radius:3px}
.calc-list a:hover{background:var(--grey-dark)}
.steps-list{list-style:none;padding:0;counter-reset:s}
.steps-list>li{counter-increment:s;position:relative;padding:0 0 26px 62px;border-left:2px solid var(--grey-dark);margin-left:22px}
.steps-list>li::before{content:counter(s);position:absolute;left:-23px;top:-2px;width:44px;height:44px;border-radius:50%;background:var(--primary);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:700}
.steps-list>li:last-child{padding-bottom:0}
.steps-list h3{margin:6px 0 .4em}
.quali{list-style:none;padding:0}
.quali li{border-bottom:1px solid var(--grey)}
.quali a,.quali .quali-item{display:block;padding:12px 0;text-decoration:none;color:var(--text)}
.quali a:hover strong{text-decoration:underline}
.quali strong{color:var(--primary);display:block}
.quali small{color:#666}

/* Forms */
.forms{display:grid;grid-template-columns:1fr 1fr;gap:40px}
form fieldset{border:0;padding:0;margin:0}
.field{margin-bottom:14px}
.field label{display:block;font-weight:700;font-size:.92rem;margin-bottom:4px}
.field input,.field select,.field textarea{width:100%;padding:10px 12px;border:1px solid #bbb;border-radius:3px;font:inherit;color:var(--text)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--primary);border-color:var(--primary)}
.field textarea{min-height:120px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field.check{display:flex;gap:10px;align-items:flex-start}
.field.check input{width:auto;margin-top:5px}
.field.check label{font-weight:400}
.form-card{background:var(--grey);padding:30px;border-radius:3px}
.form-card h2{margin-top:0}
.req{color:#666;font-size:.85rem}

/* Footer */
.site-footer{background:var(--footer);color:#ccc;padding:40px 20px;text-align:center;font-size:.92rem}
.site-footer a{color:var(--white);text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer .legal{margin-bottom:14px}
.site-footer .legal span{margin:0 8px;opacity:.5}
.site-footer p{margin:0}

/* Responsive */
@media (max-width:1000px){
  .tiles,.services{grid-template-columns:repeat(2,1fr)}
  .tiles-small{grid-template-columns:repeat(2,1fr)}
  .two-col{grid-template-columns:1fr}
  .forms{grid-template-columns:1fr}
}
@media (max-width:860px){
  .nav-toggle{display:block}
  .main-nav{position:absolute;top:100%;left:0;right:0;background:var(--white);box-shadow:0 8px 16px rgba(0,0,0,.12);display:none}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch;padding:8px 0}
  .main-nav a{padding:12px 20px;border-bottom:0;border-left:3px solid transparent}
  .main-nav a:hover,.main-nav li.active>a{border-bottom:0;border-left-color:var(--primary)}
  .main-nav .sub{position:static;display:none;box-shadow:none;border-top:0;background:var(--grey);padding:0}
  .main-nav .has-sub.open .sub{display:flex}
  .main-nav .has-sub:hover .sub{display:none}
  .main-nav .has-sub.open:hover .sub{display:flex}
  .main-nav .sub a{padding-left:36px}
  .main-nav .nav-cta a{margin:8px 20px}
  .hero{padding:70px 20px 150px}
  .hero h1{font-size:1.9rem}
  .owners{grid-template-columns:1fr}
  .card{padding:28px 22px}
  .cols3{grid-template-columns:1fr}
  .crosslinks,.fines{grid-template-columns:1fr}
  .section{padding:50px 0}
}
@media (max-width:560px){
  .tiles,.services,.tiles-small{grid-template-columns:1fr}
  .owner{grid-template-columns:1fr}
  .portrait{width:120px;height:140px}
  .field-row{grid-template-columns:1fr}
  h1{font-size:1.7rem}
  h2{font-size:1.5rem}
  .page-hero h1{font-size:1.7rem}
}

[id]{scroll-margin-top:90px}

/* Ergaenzungen: Formular, Videos, Karte */
.hp{position:absolute;left:-9999px;top:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{margin:0 0 14px}
.form-fallback{margin:14px 0 0;background:var(--primary-light);border-left:3px solid var(--primary);padding:10px 14px;font-size:.95rem}
a.video{text-decoration:none;color:var(--white)}
a.video:hover{box-shadow:0 6px 18px rgba(0,0,0,.08)}
a.map{display:flex;text-decoration:none;color:inherit}
a.map:hover strong{text-decoration:underline}
.yt{max-width:640px}
.yt button.video{width:100%;border:0;cursor:pointer;font:inherit;text-align:center}
.yt iframe{width:100%;aspect-ratio:16/9;border:0;border-radius:4px;display:block}
.quali a,.quali .quali-item{display:grid;grid-template-columns:1fr auto;column-gap:14px;align-items:center}
.quali strong,.quali small{grid-column:1}
.quali .tag{grid-column:2;grid-row:1/span 2;font-size:.8rem;background:var(--grey);padding:4px 10px;border-radius:12px;color:#666;white-space:nowrap}

/* vmpk: ein Inhaber, Siegel, 4 Kacheln, Hinweis */
.owners-single{grid-template-columns:2fr 1fr;align-items:center}
.owner .portrait{height:200px}
.seal{text-align:center}
.seal img{max-width:300px;width:100%;height:auto}
.tiles-4{grid-template-columns:repeat(2,1fr)}

@media (max-width:860px){.owners-single{grid-template-columns:1fr}.tiles-4{grid-template-columns:1fr}}