:root{--navy:#091827;--navy2:#102a42;--blue:#183c5a;--red:#b22435;--red2:#d03748;--ink:#14202b;--muted:#5e6a74;--line:#dfe5e9;--paper:#f5f7f8;--white:#fff;--shadow:0 24px 60px rgba(9,24,39,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:white;line-height:1.6}a{color:inherit}button,input,textarea{font:inherit}.skip{position:absolute;left:-999px;top:1rem;background:white;padding:.7rem 1rem;z-index:99}.skip:focus{left:1rem}.site-header{height:82px;padding:0 clamp(1.25rem,5vw,5.5rem);display:flex;justify-content:space-between;align-items:center;background:rgba(255,255,255,.96);position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(223,229,233,.7);backdrop-filter:blur(14px)}.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;line-height:1.05}.brand-mark{width:42px;height:42px;border-radius:5px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;letter-spacing:-.06em;border-bottom:4px solid var(--red)}.brand strong,.brand small{display:block}.brand strong{font-size:1.02rem}.brand small{font-size:.74rem;color:var(--muted);letter-spacing:.11em;text-transform:uppercase;margin-top:.25rem}.site-header nav{display:flex;align-items:center;gap:1.7rem}.site-header nav a{text-decoration:none;font-weight:650;font-size:.92rem}.site-header nav>a:not(.nav-cta):hover{color:var(--red)}.nav-cta{border-left:1px solid var(--line);padding-left:1.7rem;color:var(--red)}
.hero{min-height:690px;position:relative;display:flex;align-items:center;overflow:hidden;background:var(--navy)}.hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,19,31,.98) 0%,rgba(6,19,31,.88) 36%,rgba(6,19,31,.18) 68%,rgba(6,19,31,.05) 100%)}.hero-content{position:relative;z-index:2;width:min(680px,92%);margin-left:clamp(1.25rem,8vw,9rem);padding:5rem 0;color:white}.eyebrow{margin:0 0 1rem;color:#ffccd2;text-transform:uppercase;letter-spacing:.15em;font-size:.78rem;font-weight:800}.eyebrow.dark{color:var(--red)}h1,h2,h3{font-family:Georgia,"Times New 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clamp(1.25rem,8vw,9rem)}.intro{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(2rem,6vw,7rem);align-items:end}.intro h2{margin-bottom:0}.intro>p{font-size:1.1rem;color:var(--muted);margin:0 0 .6rem}.modules{background:var(--paper)}.section-head{max-width:760px;margin-bottom:3rem}.card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.module-card{position:relative;padding:2.1rem 1.6rem 1.8rem;background:white;min-height:360px;display:flex;flex-direction:column}.module-card.featured{background:var(--navy);color:white}.module-card.featured p{color:#cbd5dc}.card-number{position:absolute;right:1.25rem;top:1rem;font-size:.72rem;color:#9aa6af;font-weight:800}.icon{width:52px;height:52px;border:1px solid var(--line);display:grid;place-items:center;color:var(--red);font-size:1.5rem;margin-bottom:2rem}.module-card p{color:var(--muted);font-size:.94rem;flex:1}.text-link{border:0;background:transparent;padding:0;color:var(--red);font-weight:800;text-align:left;cursor:pointer}.text-link:hover span{display:inline-block;transform:translateX(4px)}.disclaimer{font-size:.78rem;color:#77838c;margin:1.6rem 0 0;max-width:900px}.why{background:white}.why-panel{background:var(--navy);color:white;padding:clamp(2rem,5vw,5rem);display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,8vw,8rem);box-shadow:var(--shadow)}.why-panel>div p:last-child{color:#bdcbd5;max-width:520px}.why ol{list-style:none;padding:0;margin:0}.why li{display:flex;gap:1rem;padding:1.2rem 0;border-bottom:1px solid rgba(255,255,255,.15)}.why li:last-child{border:0}.why li>span{width:34px;height:34px;border-radius:50%;background:var(--red);display:grid;place-items:center;font-weight:800;flex:none}.why strong,.why small{display:block}.why small{color:#bdcbd5;margin-top:.2rem}.advisor{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(3rem,8vw,8rem);align-items:center}.advisor-copy>p:not(.eyebrow){color:var(--muted);font-size:1.08rem;max-width:650px}.contact-lines{border-top:1px solid var(--line);margin-top:2rem;padding-top:1.5rem;display:flex;gap:2.5rem;flex-wrap:wrap}.contact-lines a{text-decoration:none;font-weight:750}.contact-lines span{display:block;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-size:.7rem;margin-bottom:.25rem}.advisor blockquote{margin:0;background:var(--paper);padding:3rem;font-family:Georgia,serif;font-size:1.8rem;line-height:1.4;border-top:4px solid var(--red)}.advisor cite{display:block;font:700 .82rem Inter,sans-serif;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin-top:1.5rem}.contact{background:var(--navy);color:white;display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(3rem,8vw,8rem)}.contact-intro>p:not(.eyebrow){color:#bdcbd5}.availability a{color:white;font-weight:800}.contact form{background:white;color:var(--ink);padding:clamp(1.5rem,4vw,3rem);box-shadow:var(--shadow)}fieldset{border:0;padding:0;margin:0 0 1.3rem}legend,.contact label{font-size:.87rem;font-weight:750}.checks{display:grid;grid-template-columns:1fr 1fr;gap:.6rem;margin-top:.7rem}.checks label{border:1px solid var(--line);padding:.7rem;cursor:pointer}.checks input,.consent input{accent-color:var(--red)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.contact form>label:not(.consent){display:block;margin-bottom:1rem}.contact label span{font-weight:400;color:var(--muted)}input:not([type=checkbox]),textarea{width:100%;border:1px solid #cbd3d9;border-radius:2px;padding:.75rem;margin-top:.35rem;background:#fbfcfc}input:focus,textarea:focus{outline:2px solid rgba(178,36,53,.22);border-color:var(--red)}textarea{resize:vertical}.consent{display:flex;gap:.6rem;align-items:flex-start;font-weight:400!important;color:var(--muted)}.consent input{margin-top:.3rem}.submit{width:100%;margin-top:1.2rem;border:0}.form-status{min-height:1.4em;font-size:.85rem;margin-bottom:0;color:var(--muted)}footer{padding:2.5rem clamp(1.25rem,8vw,9rem);display:grid;grid-template-columns:1fr 1fr auto;align-items:center;gap:2rem;background:#06131f;color:#b8c5ce;font-size:.82rem}.footer-brand{color:white}.footer-brand .brand-mark{background:white;color:var(--navy)}footer p{margin:0}footer>div:last-child{display:flex;gap:1rem}footer a:hover{color:white}.mobile-call{display:none}
@media(max-width:1000px){.card-grid{grid-template-columns:1fr 1fr}.intro,.advisor,.contact,.why-panel{grid-template-columns:1fr}.module-card{min-height:320px}footer{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}}
@media(max-width:700px){body{padding-bottom:62px}.site-header{height:68px}.site-header nav>a:not(.nav-cta){display:none}.nav-cta{padding-left:0;border:0;font-size:.82rem!important}.brand-mark{width:36px;height:36px}.hero{min-height:670px;align-items:flex-end}.hero>img{object-position:66% center}.hero-shade{background:linear-gradient(180deg,rgba(6,19,31,.08),rgba(6,19,31,.72) 40%,rgba(6,19,31,.98) 73%)}.hero-content{margin:0;padding:12rem 1.25rem 2.5rem;width:100%}h1{font-size:2.8rem}.hero-copy{font-size:1rem}.hero-actions .button{width:100%}.intro{align-items:start}.card-grid{grid-template-columns:1fr}.module-card{min-height:auto}.why-panel{margin-left:-1.25rem;margin-right:-1.25rem}.advisor blockquote{font-size:1.45rem}.field-row,.checks{grid-template-columns:1fr}.contact form{margin-left:-.25rem;margin-right:-.25rem}footer{grid-template-columns:1fr;padding-bottom:2rem}.footer-brand{grid-column:auto}.mobile-call{display:flex;position:fixed;z-index:30;bottom:0;left:0;right:0;height:62px;background:var(--red);color:white;text-decoration:none;font-weight:850;align-items:center;justify-content:center;box-shadow:0 -8px 30px rgba(0,0,0,.16)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}
.scope-note{display:grid;grid-template-columns:auto 1fr;gap:1.4rem;align-items:center;padding:1.15rem clamp(1.25rem,8vw,9rem);background:#eef2f4;border-bottom:1px solid var(--line);font-size:.86rem;color:var(--muted)}.scope-note strong{color:var(--navy);white-space:nowrap}
@media(max-width:700px){.scope-note{grid-template-columns:1fr;gap:.25rem;padding:1rem 1.25rem}.scope-note strong{white-space:normal}}
.arag-mark{width:auto;min-width:68px;padding:0 .65rem;background:#d71920;border-bottom:0;border-radius:0;font-size:.87rem;letter-spacing:.08em}.protected-contact{font-weight:750}.protected-contact>span{display:block;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-size:.7rem;margin-bottom:.25rem}.trap{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.spam-note{font-size:.76rem;color:var(--muted);text-align:center;margin:.65rem 0 0}.form-status[data-state="error"]{color:#a41324;font-weight:700}.form-status[data-state="ok"]{color:#17643d;font-weight:700}.card-grid{grid-template-columns:repeat(3,1fr)}.business-card{grid-column:2/3}@media(max-width:1000px){.card-grid{grid-template-columns:1fr 1fr}.business-card{grid-column:auto}}@media(max-width:700px){.arag-mark{min-width:58px;font-size:.75rem}.brand strong{font-size:.9rem}.brand small{font-size:.62rem}.card-grid{grid-template-columns:1fr}.business-card{grid-column:auto}}

.arag-mark,.footer-brand .arag-mark{background:transparent;color:inherit;border:0;letter-spacing:.02em;font-weight:850}.module-card.featured .text-link{color:#ffb6c0}.consent{display:block}.consent input{margin-right:.5rem}@media(max-width:700px){.site-header .nav-cta{display:none}}

.business-card{grid-column:auto}.category-detail{display:block;margin-top:.4rem;font-size:.875rem;font-weight:400;color:var(--muted)}.checks{grid-template-columns:1fr}.module-card h3{overflow-wrap:anywhere}

.advisor-portrait{margin:0;max-width:460px;width:100%;justify-self:center;background:#091827;box-shadow:var(--shadow);border-bottom:4px solid var(--red)}.advisor-portrait img{display:block;width:100%;height:auto;aspect-ratio:1/1.08;object-fit:cover;object-position:center bottom}.advisor-portrait figcaption{padding:1.5rem 1.75rem;color:#fff}.advisor-portrait strong{display:block;font-family:Georgia,serif;font-size:1.75rem;line-height:1.2}.advisor-portrait span{display:block;color:#cbd5dc;margin:.35rem 0 1rem;font-size:1rem}.advisor-portrait a{font-size:1rem;font-weight:750;text-underline-offset:4px}@media(max-width:700px){.advisor-portrait{max-width:380px}}
.advisor-cta{margin-top:1rem}.advisor-portrait figcaption a{color:#fff}

.button-whatsapp{background:#187442;color:#fff;border-color:#187442}.button-whatsapp:hover{background:#125b33}.brand strong{font-size:.95rem}@media(max-width:700px){.brand strong{font-size:.82rem}.button-whatsapp{width:100%}}
.module-card .coverage-intro{flex:0 0 auto}.coverage-list{margin:0 0 1.8rem;padding-left:1.3rem;flex:1;font-size:1.125rem;font-weight:650;line-height:1.55;overflow-wrap:break-word}.coverage-list li{padding-left:.2rem;margin:.6rem 0}.coverage-list li::marker{color:var(--red)}.rental-protection{margin:0 0 1.8rem;padding:1rem;border-left:3px solid var(--red);background:var(--paper)}.rental-protection strong{display:block;font-size:1.125rem;margin-bottom:.35rem}.rental-protection span{display:block;font-size:1rem;line-height:1.6;color:var(--muted)}
.modules .section-head{max-width:none}.modules .section-head h2{font-size:clamp(2rem,3.5vw,3.5rem)}.card-grid{align-items:stretch;grid-auto-rows:1fr}.module-card{min-width:0;padding-inline:1.25rem}.module-card h3{font-size:1.4rem;letter-spacing:-.025em;white-space:nowrap;overflow-wrap:normal;line-height:1.25}.module-card>p,.module-card .coverage-list{flex:0 0 auto}.module-card>.interest{margin-top:auto;min-height:3rem;display:flex;align-items:center;justify-content:space-between;gap:.5rem;font-size:.95rem}.module-card .coverage-list,.module-card .rental-protection{margin-bottom:1.5rem}@media(min-width:701px){.modules .section-head h2{white-space:nowrap}}@media(min-width:1001px) and (max-width:1150px){.module-card h3{font-size:1.25rem}}

/* Rechtstexte und Bestätigungsseite */
.legal-body,.thanks-body{background:var(--paper)}
.subpage-header{position:static}
.subpage-header nav a{color:var(--red)}
.legal-page,.thanks-page{width:min(1040px,calc(100% - 2.5rem));margin:3rem auto 5rem;background:#fff;box-shadow:var(--shadow)}
.legal-hero{padding:clamp(2.2rem,6vw,4.5rem);background:var(--navy);color:#fff;border-bottom:4px solid var(--red)}
.legal-hero h1{font-size:clamp(2.5rem,5vw,4.4rem);margin-bottom:.8rem}
.legal-hero p{margin:0;color:#cbd5dc;font-size:1.05rem;max-width:760px}
.legal-content{padding:clamp(2rem,6vw,4.5rem)}
.legal-content section+section{border-top:1px solid var(--line);margin-top:2.2rem;padding-top:2.2rem}
.legal-content h2{font-size:clamp(1.55rem,3vw,2.15rem);margin-bottom:.9rem;letter-spacing:-.02em}
.legal-content h3{font-size:1.18rem;margin:1.6rem 0 .45rem;font-family:Inter,ui-sans-serif,sans-serif}
.legal-content p,.legal-content li{color:#42515d}
.legal-content ul{padding-left:1.35rem}
.legal-content a{color:var(--red);text-underline-offset:3px}
.legal-meta{font-size:.88rem;color:var(--muted)!important;margin-top:2rem}
.thanks-page{min-height:calc(100vh - 190px);display:grid;place-items:center;padding:clamp(1.25rem,5vw,4rem);background:var(--navy)}
.thanks-card{width:min(700px,100%);background:#fff;padding:clamp(2rem,6vw,4.5rem);border-top:5px solid var(--red);box-shadow:var(--shadow);text-align:center}
.thanks-check{width:72px;height:72px;border-radius:50%;display:grid;place-items:center;margin:0 auto 1.6rem;background:#e8f5ee;color:#17643d;font-size:2rem;font-weight:900}
.thanks-card h1{font-size:clamp(2.2rem,5vw,3.8rem);margin-bottom:1rem}
.thanks-card>p{color:var(--muted);font-size:1.05rem}
.thanks-actions{display:flex;justify-content:center;gap:.8rem;flex-wrap:wrap;margin:2rem 0}
.thanks-actions .button:not(.button-primary){border-color:var(--line);background:#fff}
.thanks-note{border-top:1px solid var(--line);padding-top:1.4rem;font-size:.86rem!important}
@media(max-width:700px){.legal-page,.thanks-page{width:100%;margin:0;box-shadow:none}.legal-body,.thanks-body{padding-bottom:0}.legal-content{padding:1.5rem 1.25rem 3rem}.subpage-header nav{display:none}.thanks-page{min-height:calc(100vh - 68px)}.thanks-actions .button{width:100%}}

/* Einheitliches, mobiles Layout für die Conversion-Seite */
html{scroll-padding-top:84px}
body{background:var(--paper);overflow-x:hidden}
.site-header{height:74px;padding:0 clamp(1rem,5vw,5.5rem);background:#fff;box-shadow:0 1px 0 rgba(9,24,39,.08)}
.site-header nav{gap:1.15rem}
.site-header nav a{font-size:.88rem}
.site-header .nav-cta{min-height:42px;padding:.6rem 1rem}
.mobile-hero{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(260px,.85fr);gap:clamp(2rem,7vw,7rem);align-items:end;padding:clamp(3.5rem,8vw,7rem) clamp(1.25rem,8vw,9rem) clamp(2rem,5vw,4rem);background:linear-gradient(135deg,#06131f 0%,#102a42 70%,#183c5a 100%);color:#fff}
.mobile-hero-inner{max-width:760px}
.mobile-hero .eyebrow{margin-bottom:1rem;color:#ffb6c0}
.mobile-hero h1{font-size:clamp(2.7rem,6vw,5.1rem);max-width:780px;margin-bottom:1rem}
.hero-lede{max-width:610px;margin:0;color:#d8e1e7;font-size:clamp(1rem,1.8vw,1.2rem);line-height:1.65}
.hero-actions{margin:1.8rem 0 1rem}
.hero-actions .button{min-height:52px}
.hero-micro{margin:0;color:#bdcbd5;font-size:.9rem}
.hero-micro span{color:#ffb6c0;font-weight:900}
.advisor-mini{display:flex;align-items:center;gap:1rem;max-width:390px;padding:1rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);border-radius:10px}
.advisor-mini img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:center top;flex:none;border:2px solid rgba(255,255,255,.55)}
.advisor-mini strong,.advisor-mini span,.advisor-mini a{display:block}
.advisor-mini strong{font-size:1rem;line-height:1.3}
.advisor-mini span{margin:.25rem 0 .45rem;color:#cbd5dc;font-size:.85rem}
.advisor-mini a{color:#fff;font-weight:800;font-size:.9rem;text-underline-offset:3px}
.section-pad{padding:clamp(3.4rem,7vw,6rem) clamp(1.25rem,8vw,9rem)}
.intro-compact{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:1rem 4rem;align-items:start;background:#fff}
.intro-compact h2,.modules h2,.process h2,.case-examples h2,.online-section h2{font-size:clamp(2rem,4vw,3.25rem);margin-bottom:.8rem}
.intro-compact>p{margin:.2rem 0 0;font-size:1rem;color:var(--muted);line-height:1.7}
.proof-points{grid-column:1/-1;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:2.2rem;padding-top:1.4rem;border-top:1px solid var(--line)}
.proof-points>div{display:grid;grid-template-columns:auto 1fr;column-gap:.7rem;align-items:start}
.proof-points span{grid-row:span 2;color:var(--red);font-size:.75rem;font-weight:900;letter-spacing:.12em}
.proof-points strong,.proof-points small{display:block}
.proof-points strong{font-size:.95rem}
.proof-points small{margin-top:.2rem;color:var(--muted);font-size:.85rem}
.modules{background:var(--paper)}
.modules .section-head,.case-examples .section-head,.process .section-head{max-width:800px;margin-bottom:2rem}
.section-lead{font-size:1rem;line-height:1.7}
.life-area-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;background:transparent}
.life-area-card,.life-area-card:first-child{min-height:320px;padding:1.5rem;background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:10px;box-shadow:none}
.life-area-card:first-child{box-shadow:none}
.life-area-card:hover,.life-area-card:first-child:hover{border-color:#b8c4cb;box-shadow:0 14px 36px rgba(9,24,39,.08)}
.life-area-number,.life-area-card:first-child .life-area-number{margin-bottom:1.75rem;color:var(--red)}
.life-area-card p,.life-area-card:first-child p{margin-bottom:1.25rem;color:var(--muted);font-size:.98rem}
.life-area-card h3{font-size:1.45rem;letter-spacing:-.02em;margin-bottom:.7rem;line-height:1.2}
.life-highlights{gap:.4rem;margin:.05rem 0 1.25rem}
.life-highlights li{padding:.4rem .55rem;background:#fff3f4;border:1px solid #f0c4c9;color:var(--ink);font-size:.82rem}
.life-area-action,.life-area-card:first-child .life-area-action{min-height:48px;border-color:var(--line);color:var(--red);font-size:.9rem}
.disclaimer{font-size:.78rem;line-height:1.55;margin-top:1.25rem}
.process{background:#fff}
.process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;list-style:none;padding:0;margin:0}
.process-grid li{display:flex;gap:.8rem;padding:1.3rem;background:var(--paper);border:1px solid var(--line);border-radius:10px}
.process-grid li>span{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;flex:none;background:var(--red);color:#fff;font-weight:850}
.process-grid strong{display:block;font-size:1rem}
.process-grid p{margin:.25rem 0 0;color:var(--muted);font-size:.9rem;line-height:1.5}
.case-examples{background:var(--paper)}
.case-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;background:transparent;border:0}
.case-card{min-height:210px;padding:1.4rem;background:#fff;border:1px solid var(--line);border-radius:10px}
.case-area{margin-bottom:1.2rem;font-size:.7rem}
.case-card h3{font-size:1.25rem;line-height:1.25;margin-bottom:.65rem}
.case-card p{font-size:.95rem;line-height:1.55}
.case-footer{margin-top:1rem;padding:1.2rem 1.35rem;border-radius:10px}
.online-section{background:#fff}
.online-section-card{display:flex;align-items:center;justify-content:space-between;gap:2rem;padding:clamp(1.5rem,4vw,2.5rem);border:1px solid var(--line);border-radius:10px;background:var(--paper)}
.online-section-card h2{margin-bottom:.55rem}
.online-section-card p:not(.eyebrow){max-width:690px;margin:0;color:var(--muted);line-height:1.65}
.online-section-card .eyebrow{margin-bottom:.7rem}
.direct-online-button{flex:none;min-height:50px;border-radius:4px}
.contact{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(2rem,6vw,6rem);background:var(--navy)}
.contact-intro h2{font-size:clamp(2rem,4vw,3.4rem);margin-bottom:.9rem}
.contact-intro>p:not(.eyebrow){max-width:520px;color:#cbd5dc;line-height:1.7}
.contact-quick{display:flex;align-items:center;gap:1rem;flex-wrap:wrap;margin:1.5rem 0 1rem}
.contact-quick .button{min-height:48px}
.quick-phone{color:#fff;text-decoration:none;font-weight:800}
.quick-phone span{display:block;color:#bdcbd5;font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;font-weight:700;margin-bottom:.2rem}
.form-hint{font-size:.85rem!important;color:#bdcbd5!important}
.form-hint span{color:#ffb6c0;font-weight:900;margin-right:.25rem}
.scope-note-inline{max-width:520px;margin:.7rem 0 0!important;color:#9fb0bc!important;font-size:.76rem!important;line-height:1.5!important}
.contact form{border-radius:10px;padding:clamp(1.35rem,4vw,2.5rem)}
.contact form .button{min-height:52px}
footer{padding:2rem clamp(1.25rem,8vw,9rem);font-size:.8rem}
@media(max-width:1100px){.life-area-grid,.case-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){
  html{scroll-padding-top:72px}
  body{padding-bottom:64px}
  .site-header{height:66px;padding:0 1rem}
  .site-header nav{gap:0}
  .site-header nav>a:not(.nav-cta){display:none}
  .site-header .nav-cta{display:inline-flex;min-height:40px;padding:.55rem .7rem;font-size:.8rem!important}
  .brand{gap:.5rem}
  .brand strong{font-size:.78rem}
  .brand small{font-size:.58rem;letter-spacing:.08em}
  .arag-mark{min-width:54px;font-size:.72rem}
  .mobile-hero{display:block;padding:3.1rem 1.25rem 1.25rem}
  .mobile-hero h1{font-size:2.62rem;letter-spacing:-.04em}
  .hero-lede{font-size:1rem}
  .hero-actions{display:grid;gap:.65rem;margin-top:1.45rem}
  .hero-actions .button{width:100%}
  .hero-micro{font-size:.82rem}
  .advisor-mini{margin-top:2.1rem;max-width:none}
  .section-pad{padding:3.35rem 1.25rem}
  .intro-compact{display:block}
  .intro-compact>p{margin-top:.4rem}
  .proof-points{display:grid;grid-template-columns:1fr;gap:.9rem;margin-top:1.7rem;padding-top:1.1rem}
  .proof-points>div{min-height:30px}
  .modules .section-head,.case-examples .section-head,.process .section-head{margin-bottom:1.5rem}
  .intro-compact h2,.modules h2,.process h2,.case-examples h2,.online-section h2{font-size:2rem}
  .life-area-grid,.case-grid,.process-grid{grid-template-columns:1fr;gap:.75rem}
  .life-area-card,.life-area-card:first-child{min-height:0;padding:1.3rem;border-radius:9px}
  .life-area-number{margin-bottom:1rem}
  .life-area-card h3{font-size:1.55rem}
  .life-area-card p{font-size:.98rem}
  .life-area-action{margin-top:.1rem}
  .process-grid li{padding:1.1rem}
  .case-card{min-height:0;padding:1.3rem}
  .case-footer{align-items:stretch;flex-direction:column;gap:1rem;padding:1.2rem 1.25rem}
  .case-footer .button{width:100%}
  .online-section-card{display:block;padding:1.35rem;border-radius:9px}
  .online-section-card .button{width:100%;margin-top:1.2rem}
  .contact{display:block}
  .contact-intro{margin-bottom:1.65rem}
  .contact-quick{display:grid;grid-template-columns:1fr;gap:.8rem}
  .contact-quick .button{width:100%}
  .quick-phone{display:block;padding:.15rem 0}
  .contact form{padding:1.2rem;border-radius:9px}
  .field-row{grid-template-columns:1fr}
  .contact form .submit{font-size:.98rem}
  footer{grid-template-columns:1fr;padding:1.8rem 1.25rem 2.5rem;gap:1.1rem}
  footer>div:last-child{flex-wrap:wrap;gap:.8rem}
}

/* Kompakter Privat-Rechtsschutz-Block für die mobile Ansicht */
.private-coverage-card{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:1.5rem 3rem;align-items:center;padding:clamp(1.4rem,4vw,2.5rem);background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 14px 36px rgba(9,24,39,.06)}
.private-coverage-copy h2{font-size:clamp(2rem,4vw,3.25rem);margin-bottom:.6rem}
.private-coverage-copy p:not(.eyebrow){margin:0;color:var(--muted);line-height:1.6}
.private-coverage-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.65rem;list-style:none;padding:0;margin:0}
.private-coverage-list li{display:flex;align-items:center;gap:.65rem;min-height:48px;padding:.65rem .7rem;background:var(--paper);border:1px solid var(--line);font-weight:750;font-size:.95rem}
.private-coverage-list li span{color:var(--red);font-size:.7rem;font-weight:900;letter-spacing:.1em}
.private-coverage-cta{grid-column:2;justify-self:start;min-height:46px}
@media(max-width:700px){
  .private-coverage-card{display:block;padding:1.35rem;border-radius:9px}
  .private-coverage-copy h2{font-size:2rem}
  .private-coverage-list{grid-template-columns:1fr;gap:.5rem;margin:1.2rem 0}
  .private-coverage-list li{min-height:44px;font-size:.95rem}
  .private-coverage-cta{display:flex;width:100%}
}

/* Einwilligung für Google Ads */
.cookie-settings{border:0;background:transparent;color:inherit;text-decoration:underline;padding:0;cursor:pointer;font:inherit}.cookie-settings:hover{color:#fff}.cookie-banner{position:fixed;z-index:1000;left:clamp(1rem,3vw,2rem);right:clamp(1rem,3vw,2rem);bottom:clamp(1rem,3vw,2rem);max-width:880px;margin:auto;padding:1.25rem 1.4rem;background:#fff;color:var(--ink);border-top:4px solid var(--red);box-shadow:0 18px 70px rgba(0,0,0,.3);display:grid;grid-template-columns:1fr auto;gap:1.5rem;align-items:center}.cookie-banner[hidden]{display:none}.cookie-copy strong{font-family:Georgia,"Times New Roman",serif;font-size:1.35rem}.cookie-copy p{margin:.35rem 0 0;color:var(--muted);font-size:.9rem;line-height:1.5}.cookie-copy a{color:var(--red)}.cookie-actions{display:flex;gap:.65rem}.cookie-actions button{min-height:46px;padding:.65rem 1rem;border-radius:3px;font-weight:800;cursor:pointer}.cookie-decline{background:#fff;color:var(--ink);border:1px solid #aeb9c1}.cookie-accept{background:var(--red);color:#fff;border:1px solid var(--red)}.cookie-actions button:focus-visible,.cookie-settings:focus-visible{outline:3px solid rgba(178,36,53,.35);outline-offset:3px}@media(max-width:700px){.cookie-banner{bottom:74px;grid-template-columns:1fr;gap:1rem;padding:1.1rem}.cookie-actions{display:grid;grid-template-columns:1fr 1fr}.cookie-actions button{width:100%}footer>div:last-child{flex-wrap:wrap}}

/* Formular als primaeres Conversion-Ziel */
.site-header .nav-cta{border-left:0;padding:.65rem 1rem;color:#fff;background:var(--red);border-radius:3px}.site-header .nav-cta:hover{background:var(--red2);color:#fff}.contact{scroll-margin-top:80px}@media(max-width:700px){.section-pad{padding:3.5rem 1.25rem}.contact{scroll-margin-top:68px}.mobile-call{font-size:1rem;letter-spacing:.01em}}

/* Neu gestaltete Produktauswahl */
.protection-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.25rem;background:transparent;border:0}.protection-grid .module-card{min-height:430px;border:1px solid var(--line);padding:clamp(1.6rem,3vw,2.5rem)}.protection-grid .private-card{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:var(--shadow)}.protection-grid .private-card .icon{border-color:rgba(255,255,255,.24);color:#ffb6c0}.protection-grid .private-card p,.protection-grid .private-card .card-number{color:#cbd5dc}.protection-grid .private-card .coverage-list li::marker,.protection-grid .private-card .text-link{color:#ffb6c0}.protection-grid .landlord-card{box-shadow:0 14px 36px rgba(9,24,39,.08)}.protection-grid .module-card h3{font-size:clamp(1.65rem,2.6vw,2.2rem)}.protection-grid .module-card>.interest{padding-top:1rem;border-top:1px solid rgba(127,142,153,.25)}@media(max-width:700px){.protection-grid{grid-template-columns:1fr}.protection-grid .module-card{min-height:auto}.modules .section-head h2{white-space:normal}}
.direct-online{margin-top:2rem;padding:1.25rem 1.4rem;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:1.5rem}.direct-online strong,.direct-online span{display:block}.direct-online span{margin-top:.2rem;color:var(--muted);font-size:.9rem}.direct-online-button{background:#fff;border-color:var(--red);color:var(--red);white-space:nowrap}.direct-online-button:hover{background:var(--red);color:#fff}@media(max-width:700px){.direct-online{align-items:stretch;flex-direction:column}.direct-online-button{width:100%}}

/* Fokussierte Privatrechtsschutz-Darstellung */
.single-protection{grid-template-columns:1fr}.single-protection .private-card{min-height:auto}.single-protection .coverage-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.25rem 2rem;margin:1rem 0 2rem}.single-protection .coverage-list li{padding:.85rem 1rem;margin:0;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}@media(max-width:700px){.single-protection .coverage-list{grid-template-columns:1fr;gap:.5rem}.single-protection .coverage-list li{padding:.7rem .85rem}}

/* Lebensbereiche: klare Auswahl vor dem Beratungsformular */
.section-lead{max-width:760px;margin:.4rem 0 0;color:var(--muted);font-size:1.08rem}
.life-area-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.25rem}
.life-area-card{position:relative;min-height:300px;padding:clamp(1.5rem,3vw,2.35rem);background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.life-area-card:first-child{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:var(--shadow)}
.life-area-number{font-size:.78rem;font-weight:850;letter-spacing:.14em;color:var(--red);margin-bottom:2.5rem}
.life-area-card:first-child .life-area-number{color:#ffb6c0}
.life-area-card h3{font-size:clamp(1.7rem,2.6vw,2.25rem);margin-bottom:.9rem;white-space:normal}
.life-area-card p{margin:0 0 1.8rem;color:var(--muted);font-size:1rem;line-height:1.65}
.life-area-card:first-child p{color:#cbd5dc}
.life-area-action{margin-top:auto;padding:1rem 0 0;border:0;border-top:1px solid var(--line);background:transparent;color:var(--red);font-weight:850;text-align:left;display:flex;justify-content:space-between;align-items:center;gap:1rem;cursor:pointer}
.life-area-card:first-child .life-area-action{border-color:rgba(255,255,255,.18);color:#ffb6c0}
.life-area-card:hover{transform:translateY(-3px);border-color:#c4cdd3;box-shadow:0 18px 45px rgba(9,24,39,.1)}
.life-area-card:first-child:hover{border-color:var(--navy)}
.life-area-action:hover span{transform:translateX(4px)}
.life-area-action span{transition:transform .2s ease}
.life-highlights{display:flex;flex-wrap:wrap;gap:.55rem;list-style:none;padding:0;margin:.15rem 0 1.65rem}
.life-highlights li{padding:.5rem .7rem;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);color:#fff;font-weight:800;font-size:.92rem}
@media(max-width:700px){.life-area-grid{grid-template-columns:1fr;gap:.75rem}.life-area-card{min-height:auto;padding:1.4rem}.life-area-number{margin-bottom:1.4rem}.life-area-card h3{font-size:1.75rem}.life-area-card p{font-size:1rem;margin-bottom:1.35rem}.life-area-action{min-height:48px}}

/* Fallbeispiele */
.case-examples{background:#fff}
.case-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.case-card{padding:clamp(1.5rem,3vw,2.35rem);background:#fff;min-height:265px}
.case-area{display:block;margin-bottom:2.1rem;color:var(--red);font-size:.75rem;font-weight:850;letter-spacing:.13em;text-transform:uppercase}
.case-card h3{font-size:clamp(1.45rem,2.3vw,1.95rem);line-height:1.2;margin-bottom:1rem}
.case-card p{margin:0;color:var(--muted);font-size:1rem}
.case-footer{margin-top:1.25rem;padding:1.4rem 1.5rem;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:2rem}
.case-footer p{margin:0;max-width:720px;color:#cbd5dc}
.case-footer strong{color:#fff}
.case-footer .button{flex:none}
@media(max-width:700px){.case-grid{grid-template-columns:1fr}.case-card{min-height:auto;padding:1.4rem}.case-area{margin-bottom:1.25rem}.case-footer{align-items:stretch;flex-direction:column}.case-footer .button{width:100%}}

/* Kurzvideo als Vertrauens- und Conversion-Element */
.video-section{display:grid;grid-template-columns:minmax(280px,420px) minmax(0,1fr);gap:clamp(2.5rem,7vw,7rem);align-items:center;background:var(--paper)}.video-frame{position:relative;width:100%;max-width:390px;justify-self:center;aspect-ratio:9/16;background:var(--navy);box-shadow:0 26px 70px rgba(9,24,39,.2);overflow:hidden;border-bottom:5px solid var(--red)}.video-frame video{display:block;width:100%;height:100%;object-fit:cover;background:var(--navy)}.video-copy{max-width:650px}.video-copy>p:not(.eyebrow){font-size:1.08rem;color:var(--muted)}.video-copy ul{padding:0;margin:1.6rem 0 2rem;list-style:none}.video-copy li{position:relative;padding:.75rem 0 .75rem 2rem;border-bottom:1px solid var(--line);font-weight:700}.video-copy li::before{content:"✓";position:absolute;left:0;color:var(--red);font-weight:900}@media(max-width:850px){.video-section{grid-template-columns:1fr}.video-frame{max-width:340px}.video-copy{text-align:left}}@media(max-width:700px){.video-section{padding-top:3rem}.video-frame{max-width:320px}.video-copy .button{width:100%}}