/* ============================================================
   RATGEBER-FUNNEL — Landingpages im Ratgeber-Look (Teal/Gold)
   Baut auf style.css-Tokens auf (Plus Jakarta Sans, --teal, --gold).
   Struktur: Utility-Leiste, Header (Brand + Telefon), Hero mit
   sticky Formular (4 Schritte), Ablauf, Bild-Sektion, CTA, Footer.
   Mobile-first, kein externes JS noetig (funnel.js).
   ============================================================ */

/* ---------- Utility-Leiste (amtlich wirkender Hinweis) ---------- */
.futil{background:var(--teal-deep);color:#cfe4e7;font-size:12.5px}
.futil-inner{max-width:1120px;margin:0 auto;padding:7px 22px;display:flex;align-items:center;justify-content:space-between;gap:14px}
.futil .l{display:flex;align-items:center;gap:8px;font-weight:600;letter-spacing:.2px}
.futil .r{color:#eaf3f4;font-weight:600;white-space:nowrap}
.futil svg{width:13px;height:13px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:640px){.futil .l .long{display:none}}

/* ---------- Header ---------- */
.fhead{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.fhead-inner{max-width:1120px;margin:0 auto;padding:12px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.fbrand{display:flex;align-items:center;gap:11px;text-decoration:none}
.fbrand .mark{width:38px;height:38px;border-radius:10px;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:19px;font-weight:800;flex:none;text-decoration:none}
.fbrand .nm{line-height:1.15}
.fbrand .nm b{display:block;font-size:16px;font-weight:800;letter-spacing:-.2px;color:var(--ink)}
.fbrand .nm small{display:block;font-size:11px;color:var(--muted);font-weight:700;letter-spacing:.3px;text-transform:uppercase}
.fphone{display:flex;align-items:center;gap:10px;text-decoration:none}
.fphone .ic{width:40px;height:40px;border-radius:50%;background:var(--gold-soft);color:var(--gold-ink);display:flex;align-items:center;justify-content:center;flex:none}
.fphone .t{line-height:1.2;text-align:right}
.fphone .t small{display:block;font-size:11px;color:var(--muted);font-weight:600}
.fphone .t b{font-size:16px;font-weight:800;color:var(--ink);letter-spacing:.2px}
.fphone svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:560px){.fphone .t{display:none}}

/* ---------- Hero ---------- */
.fhero{background:radial-gradient(1100px 360px at 80% -10%, rgba(13,110,122,.08), transparent 60%),linear-gradient(180deg,#f0f7f7,var(--bg) 100%);border-bottom:1px solid var(--line)}
.fhero-grid{max-width:1120px;margin:0 auto;padding:36px 22px 46px;display:grid;gap:34px;align-items:start}
@media(min-width:920px){.fhero-grid{grid-template-columns:1.06fr .94fr;gap:44px;padding:52px 22px 60px}}
.fhero .hero-img{margin:22px 0 0;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md)}
.fhero .hero-img img{width:100%;height:auto;display:block}
.fhero .hero-img figcaption{font-size:12.5px;color:var(--muted);padding:10px 14px;background:#fff;line-height:1.45}
.feyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.7px;text-transform:uppercase;color:var(--teal-ink);background:var(--teal-soft);padding:7px 13px;border-radius:999px;margin-bottom:16px}
.fhero h1{font-size:clamp(30px,3.6vw,42px);line-height:1.14;letter-spacing:-.02em;font-weight:800;color:var(--ink);margin-bottom:16px;text-wrap:balance}
.fhero h1 em{font-style:normal;color:var(--teal);text-decoration:underline;text-decoration-color:var(--gold-border);text-decoration-thickness:3px;text-underline-offset:5px}
.flede{font-size:17.5px;color:var(--ink-soft);max-width:54ch;margin-bottom:22px}

/* Förder-Faktenband */
.ffund{display:flex;align-items:stretch;background:var(--gold-soft);border:1px solid var(--gold-border);border-radius:var(--radius);overflow:hidden;max-width:560px;margin-bottom:22px}
.ffund .amt{flex:none;padding:15px 20px;display:flex;flex-direction:column;justify-content:center;border-right:1px solid var(--gold-border)}
.ffund .amt .k{font-size:11px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;color:var(--gold-ink);opacity:.9}
.ffund .amt .v{font-size:28px;font-weight:800;color:var(--gold-ink);letter-spacing:-.5px;line-height:1.05}
.ffund .d{padding:13px 18px;font-size:13.5px;color:#6f5a22;line-height:1.42;font-weight:600;display:flex;align-items:center}
.ffund .d b{font-weight:800}
@media(max-width:430px){.ffund{flex-direction:column}.ffund .amt{border-right:none;border-bottom:1px solid var(--gold-border);flex-direction:row;gap:10px;align-items:baseline}}

/* Faktenliste */
.ffacts{list-style:none;display:grid;gap:10px;max-width:560px}
.ffacts li{display:flex;align-items:flex-start;gap:11px;font-size:15px;color:var(--ink-soft)}
.ffacts li .ck{width:22px;height:22px;border-radius:50%;background:var(--teal-soft);color:var(--teal);display:flex;align-items:center;justify-content:center;flex:none;margin-top:1px;font-size:12px;font-weight:800}
.ffacts li b{color:var(--ink);font-weight:700}

/* ============================================================
   FORMULAR (identisch auf allen Seiten - bewusst FIXE Farben,
   damit das Formular ueberall gleich aussieht und kontrastsicher ist)
   ============================================================ */
.fcard{background:#ffffff;border:1px solid #e2eaec;border-radius:20px;box-shadow:0 1px 2px rgba(16,36,44,.05),0 24px 48px -18px rgba(16,36,44,.16);overflow:hidden}
.fcard-head{padding:20px 24px 0;display:flex;align-items:center;justify-content:space-between;gap:12px}
.fcard-head .ttl{font-size:17px;font-weight:800;color:#14232b;letter-spacing:-.01em;display:flex;align-items:center;gap:9px}
.fcard-head .ttl::before{content:"";width:10px;height:10px;border-radius:3px;background:#0d6e7a;flex:none}
.fcard-head .free{font-size:11.5px;font-weight:700;color:#5e7180;background:#eef3f5;padding:6px 12px;border-radius:999px;white-space:nowrap;letter-spacing:.02em}
.fcard-body{padding:18px 24px 26px}
.fprog{margin-bottom:20px}
.fprog .meta{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:9px}
.fprog .meta .st{font-size:11.5px;font-weight:800;color:#0d6e7a;letter-spacing:.06em;text-transform:uppercase}
.fprog .meta .pct{font-size:12px;color:#5e7180;font-weight:600}
.fbar{height:6px;background:#e6edef;border-radius:999px;overflow:hidden}
.fbar > i{display:block;height:100%;width:0;background:#0d6e7a;border-radius:999px;transition:width .35s cubic-bezier(.4,0,.2,1)}
.fq{font-size:18.5px;line-height:1.35;font-weight:800;color:#14232b;letter-spacing:-.01em;margin-bottom:6px}
.fq-sub{font-size:13.5px;color:#5e7180;line-height:1.55;margin-bottom:18px}
.fopts{display:grid;gap:10px}
.fopt{display:flex;align-items:center;gap:14px;width:100%;text-align:left;background:#ffffff;border:1.5px solid #dde6e9;border-radius:14px;padding:15px 16px;font-family:inherit;font-size:15.5px;font-weight:600;color:#14232b;cursor:pointer;transition:border-color .15s,background .15s,box-shadow .15s;line-height:1.35}
.fopt:hover{border-color:#0d6e7a;background:#f4f9fa}
.fopt:focus-visible{outline:2px solid #0d6e7a;outline-offset:2px}
.fopt:active{transform:scale(.995)}
.fopt.selected{border-color:#0d6e7a;background:#eef6f7;box-shadow:0 0 0 3px rgba(13,110,122,.08)}
.fopt .mk{width:28px;height:28px;border-radius:9px;background:#eef3f5;color:#3c4f5b;display:flex;align-items:center;justify-content:center;font-size:12.5px;font-weight:800;flex:none;transition:.15s}
.fopt.selected .mk{background:#0d6e7a;color:#fff}
.fopt .label{flex:1}
.fq-block{margin-bottom:6px}
.ffield{margin-bottom:16px}
.ffield label{display:block;font-size:13px;font-weight:700;color:#3c4f5b;margin-bottom:6px}
.ffield label .opt-tag{color:#5e7180;font-weight:500}
.ffield input{width:100%;font-size:16px;padding:13px 15px;border:1.5px solid #dde6e9;border-radius:12px;background:#fbfdfd;font-family:inherit;color:#14232b;transition:border-color .15s,box-shadow .15s,background .15s}
.ffield input::placeholder{color:#93a4ab}
.ffield input:focus{outline:none;border-color:#0d6e7a;background:#fff;box-shadow:0 0 0 3px rgba(13,110,122,.12)}
.frow2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:430px){.frow2{grid-template-columns:1fr}}
.fconsent{display:flex;gap:11px;align-items:flex-start;margin:2px 0 18px;font-size:12.5px;color:#5e7180;line-height:1.55}
.fconsent input{margin-top:2px;width:19px;height:19px;flex:none;accent-color:#0d6e7a}
.fconsent a{color:#0d6e7a;text-underline-offset:2px}
.fhp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.f-error{margin:0 0 14px;padding:12px 14px;border:1px solid #e8b4b4;border-radius:12px;background:#fdf1f1;color:#8b2020;font-size:13.5px;line-height:1.5;font-weight:600}
.fbtn{width:100%;border:none;border-radius:13px;cursor:pointer;font-family:inherit;font-size:16px;font-weight:800;padding:16px;color:#ffffff;background:#0d6e7a;letter-spacing:.01em;transition:background .15s,transform .08s,box-shadow .15s;display:inline-flex;align-items:center;justify-content:center;gap:9px;box-shadow:0 10px 24px -10px rgba(13,110,122,.45)}
.fbtn:hover{background:#0a565f}
.fbtn:active{transform:scale(.99)}
.fbtn:disabled{background:#c3d2d5;color:#f4f8f9;box-shadow:none;cursor:not-allowed}
.fbtn-back{background:none;border:none;color:#5e7180;font-size:14px;font-weight:700;cursor:pointer;padding:14px 2px 0;font-family:inherit;display:inline-flex;align-items:center;gap:6px}
.fbtn-back:hover{color:#14232b}
.fsecure{text-align:center;margin:13px 0 0;font-size:11.5px;color:#7a8c94;display:flex;align-items:center;justify-content:center;gap:6px;font-weight:500}
.fstep{display:block}
.hidden{display:none!important}
.fdone{text-align:center;padding:14px 4px 6px}
.fdone .check{width:66px;height:66px;border-radius:50%;background:#e6f2f3;color:#0d6e7a;font-size:30px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 18px}
.fdone h2{font-size:24px;color:#14232b;letter-spacing:-.01em;margin-bottom:8px}
.fdone p{color:#5e7180;font-size:15px}
.fdone p b{color:#14232b}
.fdone .done-caller{display:flex;gap:14px;text-align:left;background:#f4f8f9;border:1px solid #e2eaec;border-radius:14px;padding:16px;margin:20px 0 10px;align-items:center}
.fdone .done-caller img{width:56px;height:56px;border-radius:50%;object-fit:cover;flex:none}
.fdone .dc-name{font-weight:800;font-size:14.5px;color:#14232b}
.fdone .dc-text{font-size:13px;color:#5e7180;line-height:1.55;margin-top:2px}
.fdone .ref{display:block;font-size:12px;color:#7a8c94;margin-top:12px}


/* ---------- Sektionen ---------- */
.fsection{padding:clamp(40px,6vw,64px) 0}
.fsection.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.fcontainer{max-width:1120px;margin:0 auto;padding:0 22px}
.fsec-eyebrow{font-size:12px;font-weight:800;letter-spacing:.7px;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.fsec-title{font-size:clamp(24px,3vw,32px);font-weight:800;letter-spacing:-.02em;margin-bottom:10px;text-wrap:balance}
.fsec-sub{color:var(--muted);max-width:64ch;margin-bottom:26px}

.fsteps{display:grid;gap:14px}
@media(min-width:760px){.fsteps{grid-template-columns:repeat(3,1fr)}}
.fstp{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;position:relative}
.fstp .num{width:34px;height:34px;border-radius:50%;background:var(--teal);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.fstp h3{font-size:16px;margin-bottom:6px}
.fstp p{font-size:13.5px;color:var(--ink-soft);line-height:1.55}

/* Vorher/Nachher */
.fvn{display:grid;gap:18px}
@media(min-width:760px){.fvn{grid-template-columns:1fr 1fr}}
.fvn figure,.fvn .fig{position:relative;margin:0;display:block}
.fvn img{width:100%;height:auto;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);display:block}
.fvn .tag{position:absolute;top:12px;left:12px;font-size:12px;font-weight:800;padding:5px 13px;border-radius:999px;color:#fff;letter-spacing:.3px}
.fvn .tag.b{background:#b3362c}
.fvn .tag.n{background:#2e7d4f}
.fvn figcaption{font-size:12.5px;color:var(--muted);padding:9px 4px 0;line-height:1.45}

/* 2-Spalten Panels */
.fgrid2{display:grid;gap:16px}
@media(min-width:820px){.fgrid2{grid-template-columns:1fr 1fr}}
.fpanel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.fpanel h3{font-size:16.5px;margin-bottom:12px;display:flex;align-items:center;gap:9px}
.fpanel h3 svg{width:19px;height:19px;stroke:var(--teal);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}
.fpanel ul{list-style:none;display:grid;gap:10px}
.fpanel li{display:flex;gap:10px;font-size:14px;color:var(--ink-soft);align-items:flex-start}
.fpanel li .ck{width:20px;height:20px;border-radius:50%;background:var(--teal-soft);color:var(--teal);display:flex;align-items:center;justify-content:center;flex:none;margin-top:1px}
.fpanel li .ck svg{width:11px;height:11px;stroke:currentColor;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.fpanel li b{color:var(--ink)}

/* ---------- CTA-Sektion ---------- */
.fcta{background:linear-gradient(150deg,var(--teal-deep),var(--teal));color:#fff;text-align:center}
.fcta .fcontainer{padding-top:clamp(40px,6vw,60px);padding-bottom:clamp(40px,6vw,60px)}
.fcta h2{color:#fff;font-size:clamp(24px,3vw,32px);letter-spacing:-.02em;margin-bottom:12px}
.fcta p{color:#dcecee;max-width:58ch;margin:0 auto 22px}
.factions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.factions a{display:inline-flex;align-items:center;gap:9px;font-weight:800;padding:14px 26px;border-radius:999px;text-decoration:none;font-size:15.5px}
.factions .b1{background:var(--gold);color:#fff}
.factions .b1:hover{background:#c9a24e}
.factions .b2{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.25)}
.factions .b2:hover{background:rgba(255,255,255,.22)}
.factions svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}

/* ---------- Sticky CTA mobil ---------- */
.fsticky{position:fixed;left:0;right:0;bottom:0;display:flex;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);border-top:1px solid var(--line);backdrop-filter:blur(8px);z-index:50;box-shadow:0 -6px 24px rgba(16,36,44,.08)}
.fsticky a,.fsticky button{flex:1;display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:800;padding:13px;border-radius:999px;font-size:15px;text-decoration:none;border:none;cursor:pointer;font-family:inherit}
.fsticky .s-call{background:var(--teal-soft);color:var(--teal-ink)}
.fsticky .s-go{background:var(--gold);color:#fff}
.fsticky svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
body{padding-bottom:0}
@media(min-width:821px){.fsticky{display:none}}

.hidden{display:none!important}

/* ---------- Icon-Kacheln (Quiz, Winner-Muster) ---------- */
.ftiles{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin-bottom:4px}
.ftile{flex-direction:column;align-items:center;justify-content:center;text-align:center;gap:9px;padding:18px 10px 16px;min-height:112px}
.ftile-ico{width:50px;height:50px;border-radius:14px;background:#eef6f7;color:#0d6e7a;display:flex;align-items:center;justify-content:center;flex:none;transition:.15s}
.ftile-ico svg{width:25px;height:25px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.fopt:hover .ftile-ico{background:#0d6e7a;color:#fff}
.fopt.selected .ftile-ico{background:#0d6e7a;color:#fff}
.ftile .label{flex:none;font-size:14.5px;font-weight:700;line-height:1.3}
.ftile.wide{grid-column:1/-1;min-height:0;flex-direction:row;justify-content:flex-start;text-align:left;gap:13px;padding:14px 16px}
.ftile.wide .ftile-ico{width:40px;height:40px;border-radius:11px}
.ftile.wide .ftile-ico svg{width:20px;height:20px}
@media(max-width:400px){.ftiles{gap:9px}.ftile{min-height:100px;padding:14px 8px 12px}.ftile .label{font-size:13.5px}}

/* ---------- Berechnungs-Screen ---------- */
.fcalc{text-align:center;padding:12px 2px 6px}
.fcalc .spin{width:54px;height:54px;border-radius:50%;margin:0 auto 18px;border:5px solid #e6f0f1;border-top-color:#0d6e7a;animation:fspin .9s linear infinite}
@keyframes fspin{to{transform:rotate(360deg)}}
.fcalc .fq{font-size:18px;margin-bottom:16px}
.fcalc-lines{list-style:none;display:grid;gap:10px;max-width:290px;margin:0 auto;text-align:left}
.fcalc-lines li{display:flex;align-items:center;gap:10px;font-size:14px;color:#3c4f5b;font-weight:600;opacity:0;transform:translateY(6px);transition:opacity .35s,transform .35s}
.fcalc-lines li.on{opacity:1;transform:none}
.fcalc-lines li .ck{width:21px;height:21px;border-radius:50%;background:#e6f2f3;color:#0d6e7a;display:flex;align-items:center;justify-content:center;flex:none;font-size:12px;font-weight:800}
@media(prefers-reduced-motion:reduce){.fcalc .spin{animation:none}}

/* ---------- Glueckwunsch-Screen ---------- */
.fcong{text-align:center;padding:10px 2px 6px}
.fcong .check{width:62px;height:62px;border-radius:50%;background:#e6f2f3;color:#0d6e7a;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.fcong .check svg{width:30px;height:30px;stroke:currentColor;fill:none;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.fcong h2{font-size:22px;color:#14232b;letter-spacing:-.01em;margin-bottom:9px}
.fcong p{color:#3c4f5b;font-size:14.5px;line-height:1.55;margin-bottom:8px}
.fcong p b{color:#14232b}
.fcong .fbtn{margin-top:12px}
.fcong .fine{margin-top:12px;font-size:11.5px;color:#7a8c94;font-weight:500}