:root{
  /* extracted from reference page (dominant blues + light gray) */
  --bg: #ffffff;
  --bg-soft: #f6f7fb;
  --panel: #ffffff;
  --text: #000000;
  --muted: rgba(0,0,0,.70);
  --border: rgba(0,0,0,.12);
  --brand: #1a3691;      /* SIGNAL IDUNA blue */
  --brand-dark: #132768; /* darker blue */
  --accent: #49d8d7;     /* small accent found */
  --focus:#1a3691;
  --radius: 18px;
  --shadow: 0 18px 55px rgba(0,0,0,.12);
  --container: 1120px;
  --space-1: 8px;
  --space-2: 12px;
  --space-3: 16px;
  --space-4: 22px;
  --space-5: 30px;
  --space-6: 44px;

  /* Button tokens (match SI cmp-button) */
  --button-color: #fff;
  --button-background-color: #1a3691;
  --button-active-background-color: #132768;
  --button-outline-color: #1a3691;
  --button-outline-background: #ffffff;
  --button-outline-hover-background: rgba(227,235,250,.9); /* light blue */
}

*{ box-sizing:border-box; }
html,body{ height:100%; }

body{
  margin:0;
  font-family: "SI Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, ui-sans-serif, system-ui, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
}

/* Modern baseline */
p{ margin: 0; }
strong{ font-weight: 800; }

a{ color: inherit; }
a:focus-visible, button:focus-visible{
  outline: 2px solid var(--focus);
  outline-offset: 3px;
  border-radius: 12px;
}

.skip-link{
  position:absolute; left:-999px; top:auto; width:1px; height:1px; overflow:hidden;
}
.skip-link:focus{
  left: 16px; top: 12px; width:auto; height:auto; padding: 10px 12px;
  background: rgba(255,255,255,.10);
  border: 1px solid var(--border);
  border-radius: 12px;
  z-index: 9999;
}

.container{
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 18px;
}

/* Content helpers */
.content-subtitle{
  margin: 16px 0 10px;
  font-size: 18px;
  letter-spacing: -0.01em;
  color: rgba(0,0,0,.92);
}

/* Header / Navigation */
header{
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(10px);
  background: rgba(255,255,255,.92);
  border-bottom: 1px solid var(--border);
}
.topbar{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 14px;
  padding: 14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap: 12px;
  text-decoration:none;
  min-width: 0;
}
.brand-mark{
  width: 40px; height: 40px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--brand), var(--brand-dark));
  box-shadow: 0 10px 30px rgba(26,54,145,.18);
  display:flex; align-items:center; justify-content:center;
  font-weight: 800;
  letter-spacing: .5px;
  color: #fff;
}
.header-badge{
  width: 40px;
  height: 40px;
  border-radius: 999px;
  overflow: hidden;
  border: 2px solid rgba(26,54,145,.18);
  box-shadow: 0 10px 30px rgba(26,54,145,.14);
  background: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
}
.header-badge img{
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.brand-text{
  display:flex;
  flex-direction:column;
  gap: 2px;
  min-width: 0;
}
.brand-text strong{
  font-size: 14px;
  line-height: 1.2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.brand-text span{
  font-size: 12px;
  color: var(--muted);
  line-height: 1.2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.nav-links{
  display:flex;
  align-items:center;
  gap: 18px;
  list-style:none;
  padding:0;
  margin:0;
}
.nav-links a{
  text-decoration:none;
  color: #000000;
  font-weight: 600;
  font-size: 14px;
  padding: 10px 12px;
  border-radius: 12px;
}
.nav-links a:hover{
  background: rgba(227,235,250,.9);
  color: #000000;
}
.nav-cta{
  text-decoration:none;
  font-weight: 800;
  font-size: 14px;
  padding: 10px 14px;
  border-radius: 4px;
  background: rgba(26,54,145,.10);
  border: 1px solid rgba(26,54,145,.28);
  box-shadow: 0 12px 30px rgba(26,54,145,.12);
  white-space: nowrap;
}
.nav-cta:hover{
  background: rgba(26,54,145,.16);
}

.mobile-toggle{
  display:none;
  align-items:center;
  justify-content:center;
  width: 44px;
  height: 44px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: rgba(26,54,145,.06);
  cursor:pointer;
  padding:0;
  flex: 0 0 auto;
}
.mobile-toggle span{
  display:block;
  width: 20px;
  height: 2px;
  background: rgba(0,0,0,.86);
  border-radius: 999px;
  position: relative;
  transition: transform .18s ease, opacity .18s ease;
}
.mobile-toggle span::before,
.mobile-toggle span::after{
  content:"";
  position:absolute;
  left:0;
  width: 20px;
  height: 2px;
  background: rgba(0,0,0,.86);
  border-radius: 999px;
  transition: transform .18s ease;
}
.mobile-toggle span::before{ transform: translateY(-6px); }
.mobile-toggle span::after{ transform: translateY(6px); }
.mobile-toggle[aria-expanded="true"] span{ opacity: 0; }
.mobile-toggle[aria-expanded="true"] span::before{ transform: rotate(45deg); }
.mobile-toggle[aria-expanded="true"] span::after{ transform: rotate(-45deg); }

.mobile-overlay{
  display:none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.55);
  z-index: 60;
}
.mobile-menu{
  position: fixed;
  top: 0;
  right: -100%;
  height: 100%;
  width: min(360px, 92vw);
  background: rgba(255,255,255,.98);
  border-left: 1px solid var(--border);
  backdrop-filter: blur(12px);
  z-index: 70;
  transition: right .22s ease;
  padding: 18px;
  display:flex;
  flex-direction:column;
  gap: 14px;
}
.mobile-menu.active{ right: 0; }
.mobile-menu .mobile-head{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}
.mobile-menu ul{
  list-style:none;
  padding: 0;
  margin: 0;
  display:flex;
  flex-direction:column;
  gap: 8px;
}
.mobile-menu a{
  display:block;
  text-decoration:none;
  font-weight: 700;
  padding: 12px 12px;
  border-radius: 14px;
  background: rgba(26,54,145,.06);
  border: 1px solid rgba(26,54,145,.14);
}
.mobile-menu a:hover{
  background: rgba(26,54,145,.10);
}

/* Hero */
.hero{
  padding: var(--space-6) 0 calc(var(--space-6) - 10px);
  background:
    radial-gradient(900px 520px at 18% 18%, rgba(73,216,215,.22), transparent 58%),
    radial-gradient(850px 480px at 78% 22%, rgba(255,255,255,.14), transparent 60%),
    linear-gradient(180deg, var(--brand), var(--brand-dark));
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 26px;
  align-items: stretch;
}
.hero-card{
  border-radius: var(--radius);
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.22);
  box-shadow: var(--shadow);
  padding: 38px;
  position: relative;
  overflow:hidden;
  height: 100%;
}
.hero-card--single{
  max-width: 780px;
}
.hero-card::before{
  content:"";
  position:absolute;
  inset: -120px -100px auto auto;
  width: 380px;
  height: 380px;
  background: radial-gradient(circle at 30% 30%, rgba(73,216,215,.30), transparent 60%);
  filter: blur(2px);
  pointer-events:none;
  transform: rotate(10deg);
}
h1{
  margin: 0 0 16px;
  font-size: clamp(30px, 4vw, 54px);
  letter-spacing: -0.02em;
  line-height: 1.05;
  color: #fff;
}
.h1-long{
  font-size: clamp(26px, 3.2vw, 44px);
}
.h1-long .h1-br{ display: none; }
.hero-card p{
  margin: 0 0 24px;
  color: rgba(255,255,255,.92);
  font-size: 17px;
  line-height: 1.65;
  max-width: 60ch;
}
.hero .benefits li{
  color: rgba(255,255,255,.92);
}
.hero .benefits li::before{
  color: rgba(255,255,255,.92);
}
.hero-actions{
  display:flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 22px;
}
.hero-media{
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.22);
  background: rgba(255,255,255,.08);
  box-shadow: var(--shadow);
  height: 100%;
}
.hero-media img{
  display:block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap: 10px;
  padding: 11px 16px;
  border-radius: 4px;
  text-decoration:none;
  font-weight: 600;
  font-size: 16px;
  line-height: 24px;
  border: 1px solid var(--button-background-color);
  background: var(--button-background-color);
  white-space: nowrap;
  color: var(--button-color);
  transition: color 0.15s cubic-bezier(0.54, 0.03, 0.36, 0.9),
              border 0.15s cubic-bezier(0.54, 0.03, 0.36, 0.9),
              background 0.15s cubic-bezier(0.54, 0.03, 0.36, 0.9),
              background-color 0.15s cubic-bezier(0.54, 0.03, 0.36, 0.9);
}
.btn:visited{ color: var(--button-color); }
.btn:hover:visited{ color: var(--button-color); }
.btn span[aria-hidden="true"]{ font-weight: 900; }
.btn:focus-visible{
  outline: 2px solid #ffffff;
  outline-offset: 3px;
}
.btn--small{
  padding: 11px 16px;
  border-radius: 4px;
  font-weight: 600;
}
.btn--primary{
  background: var(--button-background-color);
  color: var(--button-color);
  border-color: var(--button-background-color);
  box-shadow: none;
}
.btn:hover{
  background: var(--button-active-background-color);
  border-color: var(--button-active-background-color);
  color: var(--button-color);
}
.btn:active{
  background: var(--button-active-background-color);
  border-color: var(--button-active-background-color);
  color: var(--button-color);
}

/* Outline button (Header / secondary): white, blue border & type; hover light-blue */
.btn--outline{
  background: var(--button-outline-background);
  border-color: var(--button-outline-color);
  color: var(--button-outline-color);
}
.btn--outline:visited{ color: var(--button-outline-color); }
.btn--outline:hover:visited{ color: var(--button-outline-color); }
.btn--outline:hover{
  background: var(--button-outline-hover-background);
  border-color: var(--button-outline-color);
  color: var(--button-outline-color);
}
.btn--outline:active{
  background: var(--button-outline-hover-background);
  border-color: var(--button-outline-color);
  color: var(--button-outline-color);
}
/* Cards */
.section{
  padding: var(--space-5) 0 var(--space-6);
  background: var(--bg);
}
.section--rechner{
  padding: var(--space-5) 0 calc(var(--space-6) + 8px);
}
.section h2{
  margin: 0 0 10px;
  font-size: clamp(20px, 2.2vw, 32px);
  letter-spacing: -0.01em;
  color: var(--brand);
}
.section p.lead{
  margin: 0 0 22px;
  color: rgba(0,0,0,.72);
  line-height: 1.7;
  max-width: 75ch;
}

/* Calculator sections (rechner-first) */
.calc-list{
  display: grid;
  gap: 12px;
}
.calc{
  border-radius: var(--radius);
  background: #ffffff;
  border: 1px solid rgba(0,0,0,.10);
  box-shadow: 0 14px 40px rgba(0,0,0,.08);
  padding: 20px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 16px;
  align-items: start;
  position: relative;
}
.calc-stretch{
  position: absolute;
  inset: 0;
  border-radius: inherit;
  z-index: 1;
}
.calc-meta{ position: relative; z-index: 2; }
.calc-actions{ position: relative; z-index: 3; }
.calc:hover{
  border-color: rgba(26,54,145,.18);
  box-shadow: 0 18px 55px rgba(0,0,0,.10);
}
.calc:focus-within{
  outline: 2px solid rgba(26,54,145,.30);
  outline-offset: 2px;
}
.calc h3{
  margin: 0 0 8px;
  font-size: 18px;
  letter-spacing: -0.01em;
  color: rgba(0,0,0,.92);
}
.calc p{
  margin: 0;
  color: rgba(0,0,0,.72);
  line-height: 1.7;
  font-size: 14px;
}
.benefits{
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}
.benefits li{
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: rgba(0,0,0,.72);
  line-height: 1.6;
  font-size: 14px;
}
.benefits li::before{
  content: "•";
  color: var(--brand);
  font-weight: 900;
  line-height: 1.2;
  margin-top: 2px;
}
.calc-actions{
  display: grid;
  gap: 10px;
  justify-items: end;
  text-align: right;
  min-width: 180px;
  padding-top: 2px;
}
.calc-label{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 12px;
  color: var(--brand);
  background: rgba(26,54,145,.10);
  border: 1px solid rgba(26,54,145,.22);
  padding: 8px 10px;
  border-radius: 999px;
  width: fit-content;
  justify-self: end;
}
.cards{
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}
.cards--single{
  grid-template-columns: minmax(0, 1fr);
}
.cards--rechner{
  gap: 16px;
}
.card{
  border-radius: var(--radius);
  background: #ffffff;
  border: 1px solid rgba(0,0,0,.10);
  box-shadow: 0 14px 40px rgba(0,0,0,.10);
  overflow:hidden;
  display:flex;
  flex-direction:column;
  min-height: 220px;
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.card:hover{
  transform: translateY(-2px);
  box-shadow: 0 18px 55px rgba(0,0,0,.14);
  border-color: rgba(26,54,145,.22);
}
.card-top{
  padding: 18px 18px 10px;
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap: 12px;
}
.badge{
  display:inline-flex;
  align-items:center;
  gap: 8px;
  font-size: 12px;
  font-weight: 800;
  color: var(--brand);
  background: rgba(26,54,145,.10);
  border: 1px solid rgba(26,54,145,.22);
  padding: 8px 10px;
  border-radius: 999px;
  white-space: nowrap;
}
.card h3{
  margin: 0 0 8px;
  font-size: 18px;
  letter-spacing: -0.01em;
}
.card p{
  margin: 0;
  color: rgba(0,0,0,.72);
  line-height: 1.7;
  font-size: 14px;
}
.card-body{
  padding: 0 18px 16px;
  flex: 1 1 auto;
}
.card-actions{
  padding: 14px 18px 18px;
  border-top: 1px solid rgba(0,0,0,.08);
  display:flex;
  gap: 10px;
  align-items:center;
  justify-content:space-between;
}
.card-actions a{
  text-decoration:none;
  font-weight: 900;
}
.link-out{
  display:inline-flex;
  align-items:center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 14px;
  background: rgba(26,54,145,.06);
  border: 1px solid rgba(26,54,145,.18);
  color: var(--brand);
  font-weight: 900;
}
.link-out:hover{ background: rgba(255,255,255,.10); }
.hint{
  color: rgba(0,0,0,.55);
  font-size: 12px;
}

/* Footer */
footer{
  margin-top: 20px;
  padding: 28px 0 40px;
  background: var(--bg-soft);
  border-top: 1px solid rgba(0,0,0,.08);
}

/* Back to top */
.back-to-top{
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 80;
  width: 44px;
  height: 44px;
  border-radius: 4px;
  border: 1px solid rgba(26,54,145,.22);
  background: #ffffff;
  color: var(--brand);
  font-weight: 900;
  cursor: pointer;
  box-shadow: 0 12px 30px rgba(0,0,0,.12);
}
.back-to-top:hover{
  background: rgba(227,235,250,.9);
}
.back-to-top:active{
  background: rgba(227,235,250,.9);
}
.footer-min{
  display: grid;
  gap: 12px;
  align-items: start;
}
.footer-shell{
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 18px;
  align-items: start;
}
.footer-brand{
  min-width: 0;
  border-radius: var(--radius);
  background: #ffffff;
  border: 1px solid rgba(0,0,0,.10);
  padding: 18px;
}
.footer-brandline{
  display: grid;
  gap: 2px;
  margin: 0 0 10px;
}
.footer-brandline strong{
  font-size: 15px;
  letter-spacing: -0.01em;
}
.footer-brandline span{
  font-size: 13px;
  color: rgba(0,0,0,.70);
  line-height: 1.4;
}
.footer-meta{
  display: grid;
  gap: 8px;
  color: rgba(0,0,0,.60);
  font-size: 12px;
  line-height: 1.5;
}
.footer-panels{
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  align-items: start;
  min-width: 0;
}
.footer-panel{
  border-radius: var(--radius);
  background: #ffffff;
  border: 1px solid rgba(0,0,0,.10);
  padding: 18px;
  min-width: 0;
}
.footer-panel h2{
  font-size: 14px;
  margin: 0 0 12px;
  letter-spacing: -0.01em;
}
.footer-paneltext{
  display: grid;
  gap: 6px;
  color: rgba(0,0,0,.72);
  font-size: 13px;
  line-height: 1.55;
}
.footer-paneltext a{
  color: var(--brand);
  text-decoration: none;
  font-weight: 900;
}
.footer-paneltext a:hover{ text-decoration: underline; }
.footer-paneltext__spacer{ height: 6px; }
.footer-kv{
  display: grid;
  gap: 10px;
}
.footer-kv__row{
  display: grid;
  grid-template-columns: 110px 1fr;
  gap: 10px;
  align-items: start;
}
.footer-kv__key{
  font-weight: 900;
  color: rgba(0,0,0,.86);
  font-size: 13px;
}
.footer-kv__val{
  color: rgba(0,0,0,.72);
  font-size: 13px;
  line-height: 1.55;
  word-break: break-word;
}
.footer-kv__val a{ color: var(--brand); text-decoration: none; font-weight: 900; }
.footer-kv__val a:hover{ text-decoration: underline; }
.footer-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  align-items:start;
}
.footer-card{
  border-radius: var(--radius);
  background: #ffffff;
  border: 1px solid rgba(0,0,0,.10);
  padding: 18px;
}
.footer-card h2{
  font-size: 16px;
  margin: 0 0 10px;
  letter-spacing: -0.01em;
}
.footer-card p, .footer-card li{
  color: rgba(0,0,0,.70);
  line-height: 1.7;
  font-size: 13px;
  margin: 0;
}
.footer-card ul{ padding-left: 18px; margin: 0; }
.footer-links{
  display:flex;
  flex-wrap:wrap;
  gap: 10px;
  margin-top: 0;
  justify-content: flex-start;
}
.footer-links a{
  display:inline-flex;
  align-items:center;
  gap: 8px;
  padding: 10px 12px;
  border-radius: 4px;
  text-decoration:none;
  background: rgba(26,54,145,.06);
  border: 1px solid rgba(26,54,145,.16);
  color: var(--brand);
  font-weight: 800;
  font-size: 13px;
}
.footer-links a:hover{ background: rgba(255,255,255,.10); }

.footer-cta{
  margin-top: 14px;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.footer-sep{
  border: 0;
  height: 1px;
  background: rgba(0,0,0,.10);
  margin: 18px 0 10px;
}
.footer-legal{
  display: block;
  text-align: center;
  color: rgba(0,0,0,.70);
  font-size: 13px;
  line-height: 1.4;
}
.footer-legal a{
  color: #000;
  text-decoration: none;
  font-weight: 400;
}
.footer-legal a:hover{ text-decoration: underline; }

/* Responsive */
@media (max-width: 1024px){
  .nav-links{ display:none; }
  .mobile-toggle{ display:flex; }
  .hero-grid{ grid-template-columns: 1fr; }
  .calc{ grid-template-columns: 1fr; }
  .h1-long .h1-br{ display: inline; }
  .footer-shell{
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .footer-panels{
    grid-template-columns: 1fr;
  }
  .footer-kv__row{
    grid-template-columns: 1fr;
    gap: 4px;
  }
  .calc-actions{
    justify-items: start;
    text-align: left;
    min-width: 0;
  }
}
@media (prefers-reduced-motion: reduce){
  *{ scroll-behavior: auto !important; transition: none !important; }
}