/* financial-consultant.ch – Farben und Schriften hier zentral anpassen */
:root {
  --ink: #13241c;
  --text: #33443b;
  --muted: #5f6f66;
  --green: #1d5a3f;
  --green-dark: #123b29;
  --green-soft: #e6efe9;
  --accent: #c0632a;
  --accent-dark: #9c4c1c;
  --bg: #f7f5f0;
  --surface: #ffffff;
  --line: #dfe3dc;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(19, 36, 28, .06), 0 8px 24px rgba(19, 36, 28, .07);
  --serif: Charter, "Bitstream Charter", "Sitka Text", Cambria, Georgia, serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font: 17px/1.65 var(--sans);
  color: var(--text);
  background: var(--bg);
}
img, svg { max-width: 100%; display: block; }
a { color: var(--green); text-underline-offset: 3px; }
a:hover { color: var(--accent-dark); }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); line-height: 1.2; margin: 0 0 .6em; font-weight: 600; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
ul { padding-left: 1.2em; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; border-radius: 6px; z-index: 100; }
.skip:focus { left: 8px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 245, 240, .92);
  backdrop-filter: saturate(1.4) blur(10px);
  -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s, box-shadow .2s;
}
.site-header.scrolled { border-color: var(--line); box-shadow: 0 2px 12px rgba(19, 36, 28, .06); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand-mark { width: 44px; height: 44px; flex: none; }
.brand-text b { color: var(--accent); font-weight: inherit; }
.brand-text { font-family: var(--serif); font-size: 1.2rem; font-weight: 600; line-height: 1.1; }
.brand-text small { display: block; font-family: var(--sans); font-size: .72rem; font-weight: 500; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { text-decoration: none; color: var(--ink); font-size: .95rem; font-weight: 500; padding: 8px 12px; border-radius: 8px; }
.nav a:hover { background: var(--green-soft); color: var(--green-dark); }
.nav .btn { margin-left: 8px; }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green); color: #fff !important; text-decoration: none;
  font: 600 1rem/1 var(--sans); padding: 14px 22px; border-radius: 999px; border: 2px solid var(--green);
  cursor: pointer; transition: background .15s, border-color .15s, transform .15s;
}
.btn:hover { background: var(--green-dark); border-color: var(--green-dark); transform: translateY(-1px); }
.btn-sm { padding: 10px 16px; font-size: .92rem; }
.btn-outline { background: transparent; color: var(--green) !important; }
.btn-outline:hover { background: var(--green-soft); }
.btn-accent { background: var(--accent); border-color: var(--accent); }
.btn-accent:hover { background: var(--accent-dark); border-color: var(--accent-dark); }
.btn svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Hero ---------- */
.hero { padding: 72px 0 40px; position: relative; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; right: -180px; top: -140px; width: 620px; height: 620px; border-radius: 50%;
  background: radial-gradient(closest-side, rgba(29, 90, 63, .14), rgba(29, 90, 63, 0));
  pointer-events: none;
}
.kicker { display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-dark); margin-bottom: 14px; }
.hero h1 { max-width: 15ch; }
.hero .lead { font-size: 1.2rem; max-width: 60ch; color: var(--text); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.audiences { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 56px; }
.audience {
  display: flex; flex-direction: column; gap: 6px; text-decoration: none; color: var(--text);
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow);
  transition: transform .2s, border-color .2s;
}
.audience:hover { transform: translateY(-3px); border-color: var(--green); color: var(--text); }
.audience .eyebrow { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.audience h3 { margin: 0; }
.audience p { margin: 4px 0 0; font-size: .96rem; }
.audience .more { margin-top: auto; padding-top: 12px; font-weight: 600; color: var(--green); }
.icon { width: 44px; height: 44px; border-radius: 12px; background: var(--green-soft); display: grid; place-items: center; margin-bottom: 8px; }
.icon svg { width: 24px; height: 24px; fill: none; stroke: var(--green); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Sektionen ---------- */
.section { padding: 88px 0; }
.section-alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-dark { background: var(--green-dark); color: #d9e6de; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark .kicker { color: #f0b58c; }
.section-head { max-width: 760px; margin-bottom: 44px; }
.section-head .lead { font-size: 1.12rem; }
.split { display: grid; grid-template-columns: 1.05fr 1fr; gap: 56px; align-items: start; }

.check-list { list-style: none; padding: 0; margin: 0 0 1em; }
.check-list li { position: relative; padding-left: 32px; margin-bottom: 10px; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .32em; width: 20px; height: 20px; border-radius: 50%;
  background: var(--green-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231d5a3f' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/13px no-repeat;
}
.section-dark .check-list li::before { background-color: rgba(255, 255, 255, .12); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23f0b58c' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E"); }

.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.section-alt .card { background: var(--bg); box-shadow: none; }
.card h3 { margin-bottom: .4em; }
.card p:last-child, .card ul:last-child { margin-bottom: 0; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.service h3 { font-size: 1.15rem; }
.service p { font-size: .97rem; }
.note {
  border-left: 3px solid var(--accent); background: #fbf3ec; padding: 14px 18px; border-radius: 0 10px 10px 0;
  font-size: .93rem; color: var(--text); margin-top: 28px;
}
.quote { font-family: var(--serif); font-size: 1.35rem; line-height: 1.45; color: var(--ink); border-left: 3px solid var(--green); padding-left: 20px; margin: 28px 0; }

/* ---------- Rolle des Financial Consultant ---------- */
.role { display: grid; grid-template-columns: 1fr auto 1fr; gap: 28px; align-items: center; margin-top: 12px; }
.role-col h3 { font-size: 1.05rem; font-family: var(--sans); text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; margin: 0; }
.chips li { background: var(--surface); border: 1px solid var(--line); border-radius: 999px; padding: 6px 14px; font-size: .92rem; }
.section-alt .chips li { background: var(--bg); }
.role-hub {
  width: 210px; height: 210px; border-radius: 50%; background: var(--green); color: #fff; display: grid; place-items: center; text-align: center;
  padding: 24px; box-shadow: 0 0 0 10px var(--green-soft), 0 0 0 11px var(--line);
}
.role-hub strong { font-family: var(--serif); font-size: 1.25rem; display: block; line-height: 1.2; }
.role-hub span { font-size: .85rem; opacity: .85; }
.seg { display: inline-flex; background: var(--green-soft); border-radius: 999px; padding: 4px; margin-bottom: 14px; }
.seg button { border: 0; background: none; font: 600 .88rem var(--sans); color: var(--green-dark); padding: 7px 14px; border-radius: 999px; cursor: pointer; }
.seg button[aria-pressed="true"] { background: var(--surface); box-shadow: 0 1px 3px rgba(0, 0, 0, .12); }
[hidden] { display: none !important; }

.principle {
  display: flex; gap: 18px; align-items: flex-start; margin-top: 48px;
  background: var(--bg); border: 1px solid var(--line); border-left: 4px solid var(--green); border-radius: var(--radius); padding: 24px 26px;
}
.principle .icon { flex: none; margin: 0; }
.principle h3 { margin-bottom: .35em; }
.principle p { margin: 0; }
@media (max-width: 600px) { .principle { flex-direction: column; gap: 10px; padding: 20px; } }

/* ---------- 7-Punkte-Modell ---------- */
.model { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .9fr); gap: 48px; align-items: center; }
.wheel { position: relative; aspect-ratio: 1; max-width: 520px; width: 100%; margin: 0 auto; }
.wheel svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.wheel .ring { fill: none; stroke: rgba(255, 255, 255, .22); stroke-width: .35; }
.wheel .spoke { stroke: rgba(255, 255, 255, .16); stroke-width: .3; transition: stroke .2s; }
.wheel .spoke.on { stroke: #f0b58c; stroke-width: .6; }
.wheel-center {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%); width: 30%; aspect-ratio: 1; border-radius: 50%;
  background: #fff; color: var(--green-dark); display: grid; place-items: center; text-align: center;
  font: 600 clamp(.78rem, 1.9vw, 1.05rem)/1.2 var(--serif); padding: 8px; box-shadow: 0 0 0 8px rgba(255, 255, 255, .1);
}
.wheel-node {
  position: absolute; transform: translate(-50%, -50%); width: 24%; min-height: 15%;
  display: grid; place-items: center; text-align: center; padding: 6px;
  background: rgba(255, 255, 255, .08); color: #fff; border: 1px solid rgba(255, 255, 255, .28); border-radius: 14px;
  font: 600 clamp(.7rem, 1.6vw, .95rem)/1.2 var(--sans); cursor: pointer; hyphens: manual;
  transition: background .2s, border-color .2s, transform .2s;
}
.wheel-node:hover { background: rgba(255, 255, 255, .16); }
.wheel-node[aria-pressed="true"] { background: var(--accent); border-color: var(--accent); transform: translate(-50%, -50%) scale(1.06); }
.model-detail { min-height: 220px; }
.model-detail h3 { font-size: 1.6rem; }
.model-detail p { font-size: 1.05rem; }
.model-hint { font-size: .9rem; opacity: .75; }

/* ---------- Planungsprozess ---------- */
.process { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; counter-reset: step; position: relative; }
.process li { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 18px; position: relative; }
.process li::before {
  counter-increment: step; content: counter(step);
  display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%;
  background: var(--green); color: #fff; font: 700 1rem var(--sans); margin-bottom: 12px;
}
.process li:not(:last-child)::after {
  content: ""; position: absolute; right: -12px; top: 38px; width: 10px; height: 10px;
  border-top: 2px solid var(--green); border-right: 2px solid var(--green); transform: rotate(45deg); z-index: 1;
}
.process h3 { font-size: 1.1rem; margin-bottom: .3em; }
.process p { font-size: .93rem; margin: 0; }
.loop { display: flex; align-items: center; gap: 12px; margin-top: 18px; color: var(--muted); font-size: .95rem; }
.loop svg { width: 28px; height: 28px; flex: none; fill: none; stroke: var(--accent); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Team ---------- */
.person { display: flex; gap: 18px; align-items: flex-start; }
.avatar { width: 64px; height: 64px; flex: none; border-radius: 50%; background: var(--green); color: #fff; display: grid; place-items: center; font: 600 1.3rem var(--serif); }
.person h3 { margin-bottom: .2em; }
.person ul { list-style: none; padding: 0; margin: 0; font-size: .95rem; color: var(--muted); }

/* ---------- Links ---------- */
.link-groups { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.link-groups ul { list-style: none; padding: 0; margin: 0; }
.link-groups li { border-top: 1px solid var(--line); }
.link-groups a { display: flex; justify-content: space-between; gap: 10px; padding: 10px 0; text-decoration: none; color: var(--ink); font-size: .96rem; }
.link-groups a::after { content: "↗"; color: var(--muted); }
.link-groups a:hover { color: var(--green); }

/* ---------- Kontakt ---------- */
.contact { display: grid; grid-template-columns: .8fr 1.2fr; gap: 48px; align-items: start; }
.contact address { font-style: normal; line-height: 1.8; }
.contact-lines { list-style: none; padding: 0; margin: 20px 0 0; }
.contact-lines li { display: flex; gap: 12px; align-items: center; margin-bottom: 10px; }
.contact-lines svg { width: 20px; height: 20px; flex: none; fill: none; stroke: #f0b58c; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.section-dark a { color: #fff; }
.section-dark a:hover { color: #f0b58c; }
.section-dark .form a { color: var(--green); }
.section-dark .form a:hover { color: var(--accent-dark); }
.offer { margin-top: 32px; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .16); border-radius: var(--radius); padding: 22px; }
.offer h3 { font-size: 1.15rem; }
.offer p { font-size: .95rem; margin: 0; }

.form { background: var(--surface); color: var(--text); border-radius: var(--radius); padding: 32px; box-shadow: 0 20px 50px rgba(0, 0, 0, .25); }
.form h3 { margin-bottom: 18px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: .88rem; font-weight: 600; color: var(--ink); }
.field label .opt { font-weight: 400; color: var(--muted); }
.field input, .field select, .field textarea {
  font: inherit; font-size: 1rem; color: var(--ink); background: var(--bg); border: 1px solid #cdd3cb; border-radius: 10px; padding: 11px 13px; width: 100%;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(29, 90, 63, .18); background: #fff; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; grid-column: 1 / -1; }
.consent input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--green); flex: none; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 16px; margin-top: 20px; }
.form-foot small { color: var(--muted); }
.form-status { margin-top: 16px; padding: 12px 16px; border-radius: 10px; font-size: .95rem; }
.form-status.ok { background: var(--green-soft); color: var(--green-dark); }
.form-status.err { background: #fbe9e3; color: #8a2f12; }
.btn[disabled] { opacity: .6; cursor: progress; transform: none; }

/* ---------- Footer ---------- */
.site-footer { background: #0c2a1d; color: #a9bcb1; font-size: .9rem; padding: 36px 0; }
.footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px 32px; align-items: center; }
.site-footer p { margin: 0; }
.site-footer nav { display: flex; flex-wrap: wrap; gap: 6px 20px; }
.site-footer a { color: #d9e6de; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.gwg { flex-basis: 100%; font-size: .82rem; color: #839a8d; border-top: 1px solid rgba(255, 255, 255, .1); padding-top: 16px; }

/* ---------- Unterseiten (Impressum) ---------- */
.page { padding: 64px 0 88px; }
.page .wrap { max-width: 820px; }
.page h2 { font-size: 1.5rem; margin-top: 1.8em; }
.page h3 { font-size: 1.1rem; margin-top: 1.4em; font-family: var(--sans); }

/* ---------- Einblenden ---------- */
.js .reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js .reveal { opacity: 1; transform: none; transition: none; }
  * { transition: none !important; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .nav-toggle { display: block; }
  .nav {
    position: absolute; left: 0; right: 0; top: 72px; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--bg); border-bottom: 1px solid var(--line); padding: 8px 16px 18px; box-shadow: 0 12px 24px rgba(0, 0, 0, .08);
    display: none;
  }
  .nav.open { display: flex; }
  .nav a { padding: 13px 10px; font-size: 1.05rem; }
  .nav .btn { margin: 10px 0 0; justify-content: center; }
}
@media (max-width: 1020px) {
  .process { grid-template-columns: 1fr 1fr; }
  .process li::after { display: none; }
  .role { grid-template-columns: 1fr; justify-items: start; }
  .role-hub { width: 170px; height: 170px; justify-self: center; }
}
@media (max-width: 900px) {
  .audiences, .grid-3, .link-groups { grid-template-columns: 1fr; }
  .split, .model, .contact { grid-template-columns: 1fr; gap: 32px; }
  .section { padding: 64px 0; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .hero { padding: 44px 0 24px; }
  .grid-2, .form-grid, .process { grid-template-columns: 1fr; }
  .form { padding: 22px 18px; }
  .wheel-node { width: 27%; border-radius: 10px; padding: 4px; }
}
@media (max-width: 420px) {
  .brand-text small { display: none; }
}