/* ══════════════════════════════════════════════════════════════
   NEUE HOMEPAGE-SEKTIONEN (Conversion-Flow)
══════════════════════════════════════════════════════════════ */

/* ── Trust Bar ───────────────────────────────────────────────── */
.trust-bar {
  background: #071f17;
  padding: 3.5rem var(--pad-x);
  position: relative;
  overflow: hidden;
}
.trust-bar::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 50%, rgba(26,100,97,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.trust-bar__inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
  align-items: center;
  text-align: center;
}
.trust-bar__stat { padding: 0 1rem; }
.trust-bar__number {
  display: block;
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 300;
  color: var(--color-cream);
  line-height: 1;
  letter-spacing: -0.02em;
}
.trust-bar__label {
  display: block;
  font-size: 0.78rem;
  font-weight: 400;
  color: rgba(243,237,226,0.50);
  margin-top: 0.6rem;
  line-height: 1.55;
}
.trust-bar__divider {
  width: 1px;
  height: 48px;
  background: rgba(243,237,226,0.12);
}

/* ── USP Grid ────────────────────────────────────────────────── */
.usp-section { background: #FAF8F4; }
.usp-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-top: 3rem;
}
.usp-card {
  background: var(--color-cream);
  border-radius: var(--radius);
  padding: 2rem 2rem 1.75rem;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform var(--transition), box-shadow var(--transition), border-left-color var(--transition);
  border-left: 3px solid transparent;
}
.usp-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-left-color: var(--color-petrol);
}
.usp-card__icon {
  width: 36px;
  height: 36px;
  color: var(--color-petrol);
  margin-bottom: 1rem;
  opacity: 0.85;
}
.usp-card__icon svg { width: 100%; height: 100%; }
.usp-card__title {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-forest);
  margin-bottom: 0.65rem;
  letter-spacing: -0.01em;
}
.usp-card__text {
  font-size: 0.9rem;
  color: rgba(15,61,46,0.68);
  line-height: 1.8;
}
.usp-card__link {
  display: inline-block;
  margin-top: 0.85rem;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--color-petrol);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: opacity var(--transition);
}
.usp-card__link:hover { opacity: 0.75; }

/* ── Kostenvergleich ─────────────────────────────────────────── */
.kosten-section { background: var(--color-cream); }
.kosten-compare {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: start;
  margin-top: 3rem;
}
.kosten-col {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.kosten-col__header { padding: 1.25rem 1.75rem; }
.kosten-col__badge {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  display: block;
}
.kosten-col--bank { background: #fff; }
.kosten-col--bank .kosten-col__header { background: rgba(180,50,50,0.06); }
.kosten-col__badge--bank { color: #8B2F2F; }
.kosten-col--cresano { background: #fff; }
.kosten-col--cresano .kosten-col__header { background: rgba(26,100,97,0.07); }
.kosten-col__badge--cresano { color: var(--color-petrol); }
.kosten-list { padding: 0.5rem 0; border-top: 1px solid rgba(15,61,46,0.08); }
.kosten-list__item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 1.75rem;
  font-size: 0.88rem;
  border-bottom: 1px solid rgba(15,61,46,0.05);
}
.kosten-list__label { color: rgba(15,61,46,0.65); }
.kosten-list__value { font-weight: 600; font-size: 0.9rem; }
.kosten-list__value--high { color: #8B2F2F; }
.kosten-list__value--low  { color: var(--color-petrol); }
.kosten-col__total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 1.75rem;
}
.kosten-col__total--high { background: rgba(180,50,50,0.08); }
.kosten-col__total--low  { background: rgba(26,100,97,0.09); }
.kosten-col__total-label { font-size: 0.8rem; font-weight: 500; color: rgba(15,61,46,0.65); }
.kosten-col__total-value { font-size: 1rem; font-weight: 700; }
.kosten-col__total--high .kosten-col__total-value { color: #8B2F2F; }
.kosten-col__total--low  .kosten-col__total-value { color: var(--color-petrol); }
.kosten-vs {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 1.5rem;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--color-warmgray);
  margin-top: 3.5rem;
}
.kosten-example {
  background: var(--color-forest);
  color: var(--color-cream);
  border-radius: var(--radius);
  padding: 1.5rem 2rem;
  margin-top: 1.5rem;
  text-align: center;
}
.kosten-example__text {
  font-size: 0.95rem;
  line-height: 1.8;
  color: rgba(243,237,226,0.85);
}
.kosten-example__text strong { color: var(--color-cream); font-weight: 600; }
.kosten-cta { text-align: center; margin-top: 2.5rem; }

/* ── Prozess ─────────────────────────────────────────────────── */
.prozess-section { background: #FAF8F4; }
.prozess-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  margin-top: 3.5rem;
  position: relative;
}
.prozess-grid::before {
  content: '';
  position: absolute;
  top: 20px;
  left: 12.5%;
  right: 12.5%;
  height: 1px;
  background: linear-gradient(90deg, var(--color-petrol), rgba(26,100,97,0.18));
  pointer-events: none;
}
.prozess-step {
  padding: 0 1.5rem 0 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.prozess-step--last { padding-right: 0; }
.prozess-step__number {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--color-cream);
  background: var(--color-petrol);
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  position: relative;
  z-index: 1;
  flex-shrink: 0;
}
.prozess-step__title {
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-forest);
  margin-bottom: 0.6rem;
  letter-spacing: -0.01em;
}
.prozess-step__text {
  font-size: 0.88rem;
  color: rgba(15,61,46,0.65);
  line-height: 1.8;
}

/* ── Evidenz / Philosophie (dunkel) ──────────────────────────── */
.evidenz-section { background: var(--color-forest); }
.evidenz-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: start;
}
.evidenz-body {
  font-size: 0.97rem;
  color: rgba(243,237,226,0.70);
  line-height: 1.9;
  margin-bottom: 1.25rem;
}
.evidenz-cards {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.evidenz-card {
  background: rgba(243,237,226,0.06);
  border-radius: var(--radius);
  padding: 1.5rem 1.75rem;
  border: 1px solid rgba(243,237,226,0.10);
  transition: background var(--transition), border-color var(--transition);
}
.evidenz-card:hover {
  background: rgba(243,237,226,0.10);
  border-color: rgba(26,100,97,0.45);
}
.evidenz-card__icon {
  width: 28px;
  height: 28px;
  color: var(--color-petrol);
  margin-bottom: 0.75rem;
}
.evidenz-card__icon svg { width: 100%; height: 100%; }
.evidenz-card__title {
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--color-cream);
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}
.evidenz-card__text {
  font-size: 0.87rem;
  color: rgba(243,237,226,0.60);
  line-height: 1.75;
}

/* ── Abschluss CTA ───────────────────────────────────────────── */
.abschluss-section {
  background: var(--color-cream);
  text-align: center;
}
.abschluss-inner { max-width: 640px; margin: 0 auto; }
.abschluss-title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 300;
  color: var(--color-forest);
  letter-spacing: -0.025em;
  margin-bottom: 1rem;
  line-height: 1.2;
}
.abschluss-sub {
  font-size: 1rem;
  color: rgba(15,61,46,0.65);
  line-height: 1.8;
  margin-bottom: 2.25rem;
}
.abschluss-btn { font-size: 1rem; padding: 1rem 2.5rem; }
.abschluss-trust {
  display: flex;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
  margin-top: 1.25rem;
  font-size: 0.82rem;
  color: rgba(15,61,46,0.50);
  font-weight: 500;
}

/* ── Footer – drei Spalten ───────────────────────────────────── */
.footer__cols--three {
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 3rem;
}
.footer__col { display: flex; flex-direction: column; gap: 0.6rem; }
.footer__col-title {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(243,237,226,0.35);
  margin-bottom: 0.4rem;
}
.footer__col nav { display: flex; flex-direction: column; gap: 0.5rem; }
.footer__col nav a,
.footer__address {
  font-size: 0.85rem;
  color: rgba(243,237,226,0.55);
  line-height: 1.7;
  transition: color var(--transition);
  font-style: normal;
}
.footer__col nav a:hover { color: var(--color-cream); }
.footer__address a { color: rgba(243,237,226,0.55); }
.footer__address a:hover { color: var(--color-cream); }

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 900px) {
  .trust-bar__inner {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
  .trust-bar__divider { display: none; }
  .usp-grid { grid-template-columns: 1fr; }
  .kosten-compare { grid-template-columns: 1fr; gap: 1rem; }
  .kosten-vs { padding: 0.5rem 0; margin-top: 0; }
  .prozess-grid { grid-template-columns: repeat(2, 1fr); gap: 2rem; }
  .prozess-grid::before { display: none; }
  .evidenz-inner { grid-template-columns: 1fr; gap: 3rem; }
  .footer__cols--three { grid-template-columns: 1fr 1fr !important; }
}
@media (max-width: 600px) {
  .trust-bar__inner { grid-template-columns: 1fr 1fr; }
  .prozess-grid { grid-template-columns: 1fr; }
  .abschluss-trust { flex-direction: column; gap: 0.5rem; align-items: center; }
  .footer__cols--three { grid-template-columns: 1fr !important; }
}

/* ── Kostenvergleich ESMA-Erweiterung ────────────────────────── */
.kosten-esma {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  margin-top: 3rem;
}
.kosten-esma__header {
  padding: 1.75rem 2rem 1.25rem;
  border-bottom: 1px solid rgba(15,61,46,0.08);
}
.kosten-esma__label {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-petrol);
  margin-bottom: 0.6rem;
}
.kosten-esma__source {
  font-size: 0.92rem;
  color: rgba(15,61,46,0.65);
  line-height: 1.7;
}
.kosten-esma__grid { padding: 0 2rem; }
.kosten-esma__row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  padding: 0.8rem 0;
  border-bottom: 1px solid rgba(15,61,46,0.06);
  font-size: 0.9rem;
  align-items: center;
}
.kosten-esma__row--head {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(15,61,46,0.45);
  padding-top: 1rem;
}
.kosten-esma__row--highlight { background: rgba(26,100,97,0.04); margin: 0 -2rem; padding-left: 2rem; padding-right: 2rem; }
.kosten-esma__val { font-weight: 700; color: var(--color-forest); white-space: nowrap; }
.kosten-esma__val--low { color: var(--color-petrol); }
.kosten-esma__footnote {
  font-size: 0.78rem;
  color: rgba(15,61,46,0.45);
  line-height: 1.7;
  padding: 1rem 2rem;
  font-style: italic;
}
.kosten-esma__infobox {
  background: rgba(15,61,46,0.04);
  border-left: 3px solid var(--color-petrol);
  margin: 0 2rem 1.5rem;
  padding: 1.25rem 1.5rem;
  border-radius: 0 8px 8px 0;
}
.kosten-esma__infobox p {
  font-size: 0.88rem;
  color: rgba(15,61,46,0.70);
  line-height: 1.8;
  margin-bottom: 0.6rem;
}
.kosten-esma__infobox p:last-child { margin-bottom: 0; }
.kosten-esma__infobox strong { color: var(--color-forest); font-weight: 600; }
.kosten-esma__bedeutung {
  background: rgba(26,100,97,0.07);
  padding: 1.5rem 2rem;
  border-top: 1px solid rgba(15,61,46,0.08);
}
.kosten-esma__bedeutung-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-petrol);
  margin-bottom: 0.6rem;
}
.kosten-esma__bedeutung p {
  font-size: 0.9rem;
  color: rgba(15,61,46,0.70);
  line-height: 1.8;
}
.kosten-eigene {
  background: var(--color-forest);
  border-radius: var(--radius);
  overflow: hidden;
  margin-top: 1.5rem;
  box-shadow: var(--shadow-card);
}
.kosten-eigene__label {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(243,237,226,0.50);
  padding: 1.5rem 2rem 1rem;
}
.kosten-eigene__table { padding-bottom: 0.5rem; }
.kosten-eigene__row {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 1.5rem;
  padding: 0.8rem 2rem;
  border-top: 1px solid rgba(243,237,226,0.08);
  font-size: 0.88rem;
  align-items: center;
}
.kosten-eigene__row--head {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(243,237,226,0.35);
  border-top: none;
  padding-bottom: 0.4rem;
}
.kosten-eigene__row span:first-child { color: rgba(243,237,226,0.65); }
.kosten-eigene__row span:last-child { color: var(--color-cream); font-size: 0.86rem; line-height: 1.65; }
.kosten-eigene__zero { color: var(--color-petrol) !important; font-weight: 700; font-size: 1rem !important; }
.kosten-eigene__note {
  display: block;
  font-size: 0.78rem;
  color: rgba(243,237,226,0.5);
  margin-top: 0.25rem;
  line-height: 1.55;
}
.kosten-example__eyebrow {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(243,237,226,0.60);
  margin-bottom: 1rem;
}
.kosten-example__disclaimer {
  font-size: 0.78rem;
  color: rgba(243,237,226,0.45);
  line-height: 1.8;
  margin-top: 1rem;
  font-style: italic;
}

@media (max-width: 600px) {
  .kosten-esma__row { grid-template-columns: 1fr; gap: 0.25rem; }
  .kosten-esma__row--head span:last-child { display: none; }
  .kosten-eigene__row { grid-template-columns: 1fr; gap: 0.25rem; }
  .kosten-eigene__row--head span:last-child { display: none; }
}