/**
 * Umschulden24.de - Hauptstylesheet
 * Edles Design in Dunkelblau mit Gold-Akzenten
 */

/* =========================================
   CSS Variables / Design Tokens
   ========================================= */
:root {
    /* Hauptfarben - Edles Dunkelblau */
    --color-primary: #0f2744;
    --color-primary-light: #1a3a5c;
    --color-primary-dark: #091a2e;
    
    /* Akzentfarbe - Gold/Bronze */
    --color-accent: #c9a227;
    --color-accent-light: #dbb84a;
    --color-accent-dark: #a68620;
    
    /* Erfolg/CTA Grün */
    --color-success: #2d8a4e;
    --color-success-light: #3da863;
    --color-success-dark: #236b3c;
    
    /* Neutrale Farben */
    --color-white: #ffffff;
    --color-gray-50: #f8fafc;
    --color-gray-100: #f1f5f9;
    --color-gray-200: #e2e8f0;
    --color-gray-300: #cbd5e1;
    --color-gray-400: #94a3b8;
    --color-gray-500: #64748b;
    --color-gray-600: #475569;
    --color-gray-700: #334155;
    --color-gray-800: #1e293b;
    --color-gray-900: #0f172a;
    
    /* Warnung und Fehler */
    --color-warning: #d97706;
    --color-error: #dc2626;
    --color-info: #0284c7;
    
    /* Typografie */
    --font-heading: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-body: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    
    /* Schriftgrößen */
    --text-xs: 0.75rem;
    --text-sm: 0.875rem;
    --text-base: 1rem;
    --text-lg: 1.125rem;
    --text-xl: 1.25rem;
    --text-2xl: 1.5rem;
    --text-3xl: 1.875rem;
    --text-4xl: 2.25rem;
    --text-5xl: 3rem;
    
    /* Abstände */
    --spacing-xs: 0.25rem;
    --spacing-sm: 0.5rem;
    --spacing-md: 1rem;
    --spacing-lg: 1.5rem;
    --spacing-xl: 2rem;
    --spacing-2xl: 3rem;
    --spacing-3xl: 4rem;
    
    /* Border Radius */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-full: 9999px;
    
    /* Schatten */
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.07), 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1), 0 4px 6px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px rgba(0, 0, 0, 0.1), 0 10px 10px rgba(0, 0, 0, 0.04);
    
    /* Übergänge */
    --transition-fast: 150ms ease;
    --transition-base: 250ms ease;
    --transition-slow: 350ms ease;
    
    /* Container */
    --container-max: 1200px;
    --container-narrow: 800px;
}

/* =========================================
   Reset & Basis
   ========================================= */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-body);
    font-size: var(--text-base);
    line-height: 1.6;
    color: var(--color-gray-800);
    background-color: var(--color-white);
}

img, picture, video, canvas, svg {
    display: block;
    max-width: 100%;
    height: auto;
}

input, button, textarea, select {
    font: inherit;
}

a {
    color: var(--color-primary);
    text-decoration: none;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--color-accent);
}

/* Links im Fließtext klar erkennbar (Lighthouse A11y) */
.content-main a,
.info-box__text a,
.faq-accordion__answer a,
.internal-links a {
    color: var(--color-primary);
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-underline-offset: 3px;
}

.content-main a:hover,
.info-box__text a:hover,
.faq-accordion__answer a:hover,
.internal-links a:hover {
    color: var(--color-primary-dark);
}



h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.2;
    color: var(--color-primary);
}

h1 { font-size: var(--text-4xl); margin-bottom: var(--spacing-lg); }
h2 { font-size: var(--text-3xl); margin-bottom: var(--spacing-md); }
h3 { font-size: var(--text-2xl); margin-bottom: var(--spacing-md); }
h4 { font-size: var(--text-xl); margin-bottom: var(--spacing-sm); }

p { margin-bottom: var(--spacing-md); }

ul, ol {
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-xl);
}

li { margin-bottom: var(--spacing-xs); }

/* Skip Link */
.skip-link {
    position: absolute;
    top: -100px;
    left: var(--spacing-md);
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--spacing-sm) var(--spacing-md);
    border-radius: var(--radius-md);
    z-index: 10000;
    transition: top var(--transition-fast);
}

.skip-link:focus {
    top: var(--spacing-md);
    color: var(--color-white);
}

/* Container */
.container {
    width: 100%;
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

.container--narrow {
    max-width: var(--container-narrow);
}

/* =========================================
   Header
   ========================================= */
.header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--color-white);
    box-shadow: var(--shadow-md);
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--spacing-md) 0;
    gap: var(--spacing-lg);
}

.header__logo img {
    height: 45px;
    width: auto;
}

.header__nav {
    display: none;
    align-items: center;
    gap: var(--spacing-lg);
}

.header__nav-link {
    font-family: var(--font-heading);
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gray-700);
    padding: var(--spacing-sm) 0;
    border-bottom: 2px solid transparent;
    transition: all var(--transition-fast);
}

.header__nav-link:hover,
.header__nav-link--active {
    color: var(--color-primary);
    border-bottom-color: var(--color-accent);
}

.header__hotline {
    display: none;
    flex-direction: column;
    align-items: flex-end;
    text-decoration: none;
}

.header__hotline-main {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: var(--text-lg);
    color: var(--color-primary);
}

.header__hotline-main svg {
    color: var(--color-accent);
}

.header__hotline-powered {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
}

.header__mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--color-primary);
}

/* Mobile Navigation */
.mobile-nav {
    position: fixed;
    top: 77px;
    left: 0;
    right: 0;
    background: var(--color-white);
    box-shadow: var(--shadow-lg);
    padding: var(--spacing-md);
    transform: translateY(-100%);
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition-base);
    z-index: 999;
    max-height: calc(100vh - 77px);
    overflow-y: auto;
}

.mobile-nav--open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
}

.mobile-nav__link {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-md);
    color: var(--color-gray-700);
    font-weight: 600;
    border-radius: var(--radius-md);
    transition: background var(--transition-fast);
}

.mobile-nav__link:hover {
    background: var(--color-gray-100);
    color: var(--color-primary);
}

.mobile-nav__link--sub {
    font-weight: 400;
    padding-left: var(--spacing-xl);
    font-size: var(--text-sm);
}

.mobile-nav__link--phone {
    background: var(--color-primary);
    color: var(--color-white);
    margin-top: var(--spacing-md);
}

.mobile-nav__link--phone:hover {
    background: var(--color-primary-light);
    color: var(--color-white);
}

.mobile-nav__divider {
    border: none;
    border-top: 1px solid var(--color-gray-200);
    margin: var(--spacing-sm) 0;
}

/* =========================================
   Hero Section
   ========================================= */
.hero {
    position: relative;
    /* Fix: manche Browser behandeln pseudo-elemente (selten) so, dass Klicks "hängen" bleiben.
       isolation + negativer z-index zwingt den Background-Layer zuverlässig nach hinten. */
    isolation: isolate;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    padding: var(--spacing-3xl) 0;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('../images/hero-bg.svg') center center / cover no-repeat;
    opacity: 0.1;
    z-index: -1;
    pointer-events: none;

}

.hero__inner {
    position: relative;
    z-index: 1;
    display: grid;
    gap: var(--spacing-2xl);
}

/* Ensure hero content is above the overlay */
.hero > .container {
    position: relative;
    z-index: 1;
}

.hero__content {
    text-align: center;
}

.hero__badge {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-xs);
    background: rgba(201, 162, 39, 0.2);
    border: 1px solid var(--color-accent);
    color: var(--color-accent-light);
    padding: var(--spacing-xs) var(--spacing-md);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: 600;
    margin-bottom: var(--spacing-md);
}

.hero__title {
    color: var(--color-white);
    font-size: var(--text-3xl);
    margin-bottom: var(--spacing-md);
}

.hero__title span {
    color: var(--color-accent);
}

.hero__subtitle {
    font-size: var(--text-lg);
    color: rgba(255, 255, 255, 0.85);
    max-width: 600px;
    margin: 0 auto var(--spacing-xl);
}

/* Hero Form */
.hero-form {
    background: var(--color-white);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-xl);
}

.hero-form__row {
    display: grid;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.hero-form__field {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xs);
}

.hero-form__label {
    font-family: var(--font-heading);
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gray-700);
}

.hero-form__input-wrap {
    position: relative;
}

.hero-form__select {
    width: 100%;
    padding: var(--spacing-md);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    color: var(--color-gray-800);
    background: var(--color-white);
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.hero-form__select:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.2);
}

.hero-form__submit {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-md) var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: var(--text-lg);
    font-weight: 700;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.hero-form__submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(45, 138, 78, 0.3);
}

.hero-form__usps {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--spacing-md);
    margin-top: var(--spacing-lg);
    padding-top: var(--spacing-lg);
    border-top: 1px solid var(--color-gray-200);
}

.hero-form__usp {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-size: var(--text-sm);
    color: var(--color-gray-600);
}

.hero-form__usp svg {
    color: var(--color-success);
    flex-shrink: 0;
}

/* =========================================
   Sections
   ========================================= */
.section {
    padding: var(--spacing-3xl) 0;
}

.section--gray {
    background: var(--color-gray-50);
}

.section--primary {
    background: var(--color-primary);
    color: var(--color-white);
}

.section__header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto var(--spacing-2xl);
}

.section__title {
    margin-bottom: var(--spacing-md);
}

.section--primary .section__title {
    color: var(--color-white);
}

.section__subtitle {
    font-size: var(--text-lg);
    color: var(--color-gray-600);
}

.section--primary .section__subtitle {
    color: rgba(255, 255, 255, 0.8);
}

/* Content Layout */
.content-layout {
    display: grid;
    gap: var(--spacing-2xl);
}

.content-main {
    min-width: 0;
}

.content-main h2 {
    margin-top: var(--spacing-2xl);
}

.content-main h2:first-child {
    margin-top: 0;
}

.content-main h3 {
    margin-top: var(--spacing-xl);
}

/* =========================================
   Breadcrumbs
   ========================================= */
.breadcrumbs {
    padding: var(--spacing-md) 0;
    background: var(--color-gray-50);
    border-bottom: 1px solid var(--color-gray-200);
}

.breadcrumbs__list {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: var(--spacing-xs);
    list-style: none;
    padding: 0;
    margin: 0;
    font-size: var(--text-sm);
}

.breadcrumbs__item {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    margin: 0;
}

.breadcrumbs__item:not(:last-child)::after {
    content: '/';
    color: var(--color-gray-400);
    margin-left: var(--spacing-xs);
}

.breadcrumbs__link {
    color: var(--color-gray-600);
}

.breadcrumbs__link:hover {
    color: var(--color-primary);
}

.breadcrumbs__current {
    color: var(--color-primary);
    font-weight: 600;
}

/* =========================================
   USP Cards
   ========================================= */
.usp-cards {
    display: grid;
    gap: var(--spacing-lg);
}

.usp-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-gray-100);
    transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.usp-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.usp-card__icon {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-md);
}

.usp-card__icon svg {
    width: 28px;
    height: 28px;
    color: var(--color-accent);
}

.usp-card__title {
    font-size: var(--text-xl);
    margin-bottom: var(--spacing-sm);
}

.usp-card__text {
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-md);
}

.usp-card__points {
    list-style: none;
    padding: 0;
    margin: 0;
}

.usp-card__points li {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-xs) 0;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
}

.usp-card__points li::before {
    content: '';
    width: 6px;
    height: 6px;
    background: var(--color-accent);
    border-radius: 50%;
    flex-shrink: 0;
}

/* =========================================
   Bubble Points
   ========================================= */
.bubble-points {
    list-style: none;
    padding: 0;
    margin: var(--spacing-lg) 0;
    display: grid;
    gap: var(--spacing-sm);
}

.bubble-points__item {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    padding: var(--spacing-sm);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
    margin: 0;
}

.bubble-points__icon {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--color-success);
    border-radius: 50%;
}

.bubble-points__icon svg {
    width: 14px;
    height: 14px;
    color: var(--color-white);
}

.bubble-points__text {
    flex: 1;
    color: var(--color-gray-700);
}

/* =========================================
   CTA Buttons
   ========================================= */
.cta-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-md) var(--spacing-xl);
    font-family: var(--font-heading);
    font-size: var(--text-base);
    font-weight: 700;
    border-radius: var(--radius-md);
    text-decoration: none;
    transition: all var(--transition-fast);
    cursor: pointer;
    border: none;
}

.cta-button--primary {
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
}

.cta-button--primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(45, 138, 78, 0.3);
    color: var(--color-white);
}

.cta-button--secondary {
    background: var(--color-primary);
    color: var(--color-white);
}

.cta-button--secondary:hover {
    background: var(--color-primary-light);
    color: var(--color-white);
}

.cta-button--outline {
    background: transparent;
    border: 2px solid var(--color-primary);
    color: var(--color-primary);
}

.cta-button--outline:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

/* =========================================
   HowTo Section
   ========================================= */
.howto-section {
    padding: var(--spacing-2xl) 0;
}

.howto-section__title {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.howto-steps {
    display: grid;
    gap: var(--spacing-lg);
    max-width: 800px;
    margin: 0 auto;
}

.howto-step {
    display: flex;
    gap: var(--spacing-lg);
    align-items: flex-start;
}

.howto-step__number {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    font-weight: 700;
    border-radius: 50%;
}

.howto-step__content {
    flex: 1;
    padding-top: var(--spacing-xs);
}

.howto-step__title {
    font-size: var(--text-lg);
    margin-bottom: var(--spacing-xs);
}

.howto-step__text {
    color: var(--color-gray-600);
    margin: 0;
}

/* =========================================
   FAQ Section
   ========================================= */
.faq-section {
    padding: var(--spacing-2xl) 0;
}

.faq-section__title {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.faq-accordion {
    max-width: 800px;
    margin: 0 auto;
}

.faq-accordion__item {
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-sm);
    overflow: hidden;
}

.faq-accordion__trigger {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--spacing-md);
    padding: var(--spacing-md) var(--spacing-lg);
    background: var(--color-white);
    border: none;
    cursor: pointer;
    text-align: left;
    transition: background var(--transition-fast);
}

.faq-accordion__trigger:hover {
    background: var(--color-gray-50);
}

.faq-accordion__question {
    font-family: var(--font-heading);
    font-size: var(--text-base);
    font-weight: 600;
    color: var(--color-primary);
}

.faq-accordion__icon {
    flex-shrink: 0;
    transition: transform var(--transition-base);
}

.faq-accordion__icon svg {
    color: var(--color-gray-500);
}

.faq-accordion__trigger[aria-expanded="true"] .faq-accordion__icon {
    transform: rotate(180deg);
}

.faq-accordion__content {
    display: none;
    padding: 0 var(--spacing-lg) var(--spacing-lg);
}

.faq-accordion__content.active {
    display: block;
}

.faq-accordion__answer {
    color: var(--color-gray-600);
}

.faq-accordion__answer p:last-child {
    margin-bottom: 0;
}

/* =========================================
   Info Box
   ========================================= */
.info-box {
    display: flex;
    gap: var(--spacing-md);
    padding: var(--spacing-lg);
    border-radius: var(--radius-lg);
    margin: var(--spacing-lg) 0;
}

.info-box--info {
    background: rgba(2, 132, 199, 0.1);
    border: 1px solid rgba(2, 132, 199, 0.3);
}

.info-box--tip {
    background: rgba(45, 138, 78, 0.1);
    border: 1px solid rgba(45, 138, 78, 0.3);
}

.info-box--warning {
    background: rgba(217, 119, 6, 0.1);
    border: 1px solid rgba(217, 119, 6, 0.3);
}

.info-box__icon {
    flex-shrink: 0;
}

.info-box--info .info-box__icon svg { color: var(--color-info); }
.info-box--tip .info-box__icon svg { color: var(--color-success); }
.info-box--warning .info-box__icon svg { color: var(--color-warning); }

.info-box__content {
    flex: 1;
}

.info-box__title {
    display: block;
    font-family: var(--font-heading);
    margin-bottom: var(--spacing-xs);
}

.info-box__text {
    margin: 0;
    color: var(--color-gray-700);
}

/* =========================================
   Partner Frame
   ========================================= */
.partner-frame {
    margin: var(--spacing-2xl) 0;
}

.partner-frame__disclosure {
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    text-align: center;
    padding: var(--spacing-md);
    background: var(--color-gray-50);
    border-radius: var(--radius-md) var(--radius-md) 0 0;
    border: 1px solid var(--color-gray-200);
    border-bottom: none;
}

.partner-frame__container {
    border: 1px solid var(--color-gray-200);
    border-radius: 0 0 var(--radius-md) var(--radius-md);
    overflow: hidden;
    width: 100%;
}

/* Partner-Widgets (z.B. Tarifcheck): erzwungen volle Breite */
#tcpp-iframe-kredit {
    width: 100% !important;
    max-width: 100% !important;
    display: block;
}

#tcpp-iframe-kredit iframe,
.partner-frame__container iframe {
    width: 100% !important;
    max-width: 100% !important;
    display: block;
}

.partner-frame__iframe {
    display: block;
    width: 100%;
    min-height: 600px;
}

/* Smava iframe: Desktop 3800px, Mobile 5000px */
.partner-frame__iframe--smava {
    min-height: 3800px;
}

@media (max-width: 768px) {
    .partner-frame__iframe--smava {
        min-height: 5000px;
    }
}

/* Partner Frame Header (Anzeige + powered by) */
.partner-frame__header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-100);
    border: 1px solid var(--color-gray-200);
    border-bottom: none;
    border-radius: var(--radius-md) var(--radius-md) 0 0;
    font-size: var(--text-sm);
}

.partner-frame__label-ad {
    color: var(--color-gray-600);
    font-weight: 600;
    text-transform: uppercase;
    font-size: 0.7rem;
    letter-spacing: 0.05em;
}

.partner-frame__label-powered {
    color: var(--color-gray-500);
    font-size: var(--text-sm);
}

.partner-frame__wrapper {
    position: relative;
    border: 1px solid var(--color-gray-200);
    border-radius: 0 0 var(--radius-md) var(--radius-md);
    overflow: hidden;
}

/* Consent Overlay (innerhalb des Frame-Bereichs) */
.consent-overlay {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 450px;
    background: linear-gradient(135deg, var(--color-gray-50) 0%, var(--color-white) 100%);
    padding: var(--spacing-xl);
}

.consent-overlay__content {
    text-align: center;
    padding: var(--spacing-2xl);
    max-width: 520px;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.consent-overlay__content h3 {
    margin-bottom: var(--spacing-sm);
    color: var(--color-gray-900);
    font-size: 1.4rem;
}

.consent-overlay__logo {
    display: block;
    margin: 0 auto var(--spacing-md);
    max-width: 160px;
    height: auto;
}

.consent-overlay__text {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    line-height: 1.6;
    margin-bottom: var(--spacing-lg);
}

.consent-overlay__links {
    display: flex;
    justify-content: center;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
    padding-bottom: var(--spacing-lg);
    border-bottom: 1px solid var(--color-gray-200);
}

.consent-overlay__links a {
    font-size: var(--text-sm);
    color: var(--color-primary);
    text-decoration: none;
    transition: color var(--transition-fast);
}

.consent-overlay__links a:hover {
    color: var(--color-primary-dark);
    text-decoration: underline;
}

.consent-overlay__buttons {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
}

.consent-overlay__btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: var(--spacing-md) var(--spacing-xl);
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1rem;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
    text-decoration: none;
}

.consent-overlay__btn--primary {
    background: var(--color-success);
    color: var(--color-white);
}

.consent-overlay__btn--primary:hover {
    background: var(--color-success-dark);
    transform: translateY(-1px);
}

.consent-overlay__btn--secondary {
    background: transparent;
    color: var(--color-primary);
    border: 2px solid var(--color-primary);
}

.consent-overlay__btn--secondary:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

/* Provisionshinweis unter dem Frame */
.partner-frame__disclosure {
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-top: none;
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    text-align: center;
    border-radius: 0 0 var(--radius-md) var(--radius-md);
}

/* =========================================
   Sidebar
   ========================================= */
.sidebar {
    position: sticky;
    top: 100px;
}

.sidebar__section {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    margin-bottom: var(--spacing-lg);
}

.sidebar__title {
    font-size: var(--text-base);
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: var(--spacing-md);
    padding-bottom: var(--spacing-sm);
    border-bottom: 2px solid var(--color-accent);
}

.sidebar__nav {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xs);
}

.sidebar__link {
    display: block;
    padding: var(--spacing-sm) var(--spacing-md);
    color: var(--color-gray-700);
    font-size: var(--text-sm);
    border-radius: var(--radius-sm);
    transition: all var(--transition-fast);
}

.sidebar__link:hover,
.sidebar__link--active {
    background: var(--color-gray-100);
    color: var(--color-primary);
}

.sidebar__link--active {
    font-weight: 600;
    border-left: 3px solid var(--color-accent);
}

.sidebar__cta {
    margin-top: var(--spacing-lg);
}

.sidebar__cta .cta-button {
    width: 100%;
}

/* =========================================
   Footer
   ========================================= */
.footer {
    background: var(--color-primary);
    color: var(--color-white);
    padding-top: var(--spacing-3xl);
}

.footer__credits {
    padding-bottom: var(--spacing-2xl);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    margin-bottom: var(--spacing-2xl);
}

.footer__section-title {
    font-family: var(--font-heading);
    font-size: var(--text-lg);
    font-weight: 700;
    color: var(--color-accent);
    margin-bottom: var(--spacing-md);
    text-align: center;
}

.footer__credits-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--spacing-sm);
}

.footer__credit-link {
    display: inline-block;
    padding: var(--spacing-xs) var(--spacing-md);
    background: rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.8);
    font-size: var(--text-sm);
    border-radius: var(--radius-full);
    transition: all var(--transition-fast);
}

.footer__credit-link:hover {
    background: var(--color-accent);
    color: var(--color-primary);
}

.footer__main {
    display: grid;
    gap: var(--spacing-2xl);
    padding-bottom: var(--spacing-2xl);
}

.footer__col-title {
    font-family: var(--font-heading);
    font-size: var(--text-base);
    font-weight: 700;
    color: var(--color-accent);
    margin-bottom: var(--spacing-md);
}

.footer__col-title--mt {
    margin-top: var(--spacing-xl);
}

.footer__list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer__list li {
    margin-bottom: var(--spacing-sm);
}

.footer__list a {
    color: rgba(255, 255, 255, 0.75);
    font-size: var(--text-sm);
    transition: color var(--transition-fast);
}

.footer__list a:hover {
    color: var(--color-white);
}

.footer__partner {
    margin-bottom: var(--spacing-lg);
}

.footer__partner img {
    margin-bottom: var(--spacing-sm);
    filter: brightness(0) invert(1);
    opacity: 0.8;
}

.footer__partner-text {
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.6);
    margin: 0;
}

.footer__hotline {
    margin-top: var(--spacing-md);
}

.footer__phone {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-sm);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: var(--text-lg);
    font-weight: 700;
}

.footer__phone:hover {
    color: var(--color-accent);
}

.footer__phone svg {
    color: var(--color-accent);
}

.footer__hours {
    display: block;
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.6);
    margin-top: var(--spacing-xs);
}

.footer__bottom {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-md);
    padding: var(--spacing-lg) 0;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__copyright {
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.6);
}

.footer__legal {
    display: flex;
    gap: var(--spacing-md);
    font-size: var(--text-sm);
}

.footer__legal a {
    color: rgba(255, 255, 255, 0.6);
}

.footer__legal a:hover {
    color: var(--color-white);
}

.footer__divider {
    color: rgba(255, 255, 255, 0.3);
}

.footer__disclosure {
    padding: var(--spacing-lg);
    background: rgba(0, 0, 0, 0.2);
    text-align: center;
}

.footer__disclosure p {
    font-size: var(--text-xs);
    color: rgba(255, 255, 255, 0.5);
    margin: 0;
    max-width: 800px;
    margin: 0 auto;
}

/* =========================================
   Cookie Banner
   ========================================= */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--color-white);
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.15);
    z-index: 9999;
    transform: translateY(100%);
    transition: transform var(--transition-base);
}

.cookie-banner--visible {
    transform: translateY(0);
}

.cookie-banner__content {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: var(--spacing-lg);
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.cookie-banner__text strong {
    display: block;
    font-family: var(--font-heading);
    margin-bottom: var(--spacing-xs);
}

.cookie-banner__text p {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin: 0;
}

.cookie-banner__text a {
    color: var(--color-primary);
    text-decoration: underline;
}

.cookie-banner__actions {
    display: flex;
    gap: var(--spacing-md);
}

.cookie-banner__btn {
    padding: var(--spacing-sm) var(--spacing-lg);
    font-family: var(--font-heading);
    font-weight: 600;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.cookie-banner__btn--accept {
    background: var(--color-primary);
    color: var(--color-white);
}

.cookie-banner__btn--accept:hover {
    background: var(--color-primary-light);
}

.cookie-banner__btn--settings {
    background: var(--color-gray-200);
    color: var(--color-gray-700);
}

.cookie-banner__btn--settings:hover {
    background: var(--color-gray-300);
}

/* Cookie Modal */
.cookie-modal {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 10000;
    display: none;
    align-items: center;
    justify-content: center;
}

.cookie-modal--visible {
    display: flex;
}

.cookie-modal__overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.5);
}

.cookie-modal__content {
    position: relative;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    max-width: 500px;
    width: 90%;
    max-height: 90vh;
    overflow-y: auto;
}

.cookie-modal__content h3 {
    margin-bottom: var(--spacing-lg);
}

.cookie-modal__options {
    margin-bottom: var(--spacing-xl);
}

.cookie-modal__option {
    padding: var(--spacing-md) 0;
    border-bottom: 1px solid var(--color-gray-200);
}

.cookie-modal__option:last-child {
    border-bottom: none;
}

.cookie-modal__label {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-weight: 600;
    cursor: pointer;
}

.cookie-modal__label input {
    width: 18px;
    height: 18px;
    accent-color: var(--color-primary);
}

.cookie-modal__option p {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin: var(--spacing-sm) 0 0 26px;
}

.cookie-modal__actions {
    display: flex;
    gap: var(--spacing-md);
}

.cookie-modal__btn {
    flex: 1;
    padding: var(--spacing-md);
    font-family: var(--font-heading);
    font-weight: 600;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.cookie-modal__btn--save {
    background: var(--color-gray-200);
    color: var(--color-gray-700);
}

.cookie-modal__btn--all {
    background: var(--color-primary);
    color: var(--color-white);
}

/* =========================================
   Summen Grid
   ========================================= */
.summen-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(120px, 1fr));
    gap: var(--spacing-sm);
}

.summen-grid__item {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: var(--spacing-md);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    font-family: var(--font-heading);
    font-weight: 600;
    color: var(--color-gray-700);
    transition: all var(--transition-fast);
}

.summen-grid__item:hover {
    background: var(--color-primary);
    border-color: var(--color-primary);
    color: var(--color-white);
}

/* =========================================
   Tables
   ========================================= */
.table-responsive {
    overflow-x: auto;
    margin: var(--spacing-lg) 0;
}

table {
    width: 100%;
    border-collapse: collapse;
    font-size: var(--text-sm);
}

th, td {
    padding: var(--spacing-md);
    text-align: left;
    border-bottom: 1px solid var(--color-gray-200);
}

th {
    background: var(--color-gray-100);
    font-family: var(--font-heading);
    font-weight: 600;
    color: var(--color-primary);
}

tr:hover {
    background: var(--color-gray-50);
}

/* =========================================
   Media Queries
   ========================================= */
@media (min-width: 640px) {
    .hero-form__row {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .cookie-banner__content {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
    }
    
    .footer__main {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 768px) {
    h1 { font-size: var(--text-5xl); }
    h2 { font-size: var(--text-4xl); }
    
    .hero__title {
        font-size: var(--text-4xl);
    }
    
    .usp-cards {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .footer__main {
        grid-template-columns: repeat(4, 1fr);
    }
    
    .footer__bottom {
        flex-direction: row;
        justify-content: space-between;
    }
}

@media (min-width: 1024px) {
    .header__nav {
        display: flex;
    }
    
    .header__hotline {
        display: flex;
    }
    
    .header__mobile-toggle {
        display: none;
    }
    
    .hero__inner {
        grid-template-columns: 1fr 1fr;
        align-items: center;
    }
    
    .hero__content {
        text-align: left;
    }
    
    .hero__subtitle {
        margin-left: 0;
    }
    
    .hero__title {
        font-size: var(--text-5xl);
    }
    
    .content-layout {
        grid-template-columns: 1fr 300px;
    }
}

@media (min-width: 1280px) {
    .container {
        padding: 0 var(--spacing-xl);
    }
}

/* ===================================
   AMOUNT GRID
   =================================== */

.amount-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
    gap: var(--spacing-md);
    margin: var(--spacing-lg) 0;
}

.amount-grid__item {
    display: block;
    padding: var(--spacing-md);
    background: var(--color-gray-100);
    border-radius: var(--border-radius);
    text-align: center;
    color: var(--color-primary);
    font-weight: 600;
    text-decoration: none;
    transition: all 0.2s ease;
}

.amount-grid__item:hover {
    background: var(--color-primary);
    color: var(--color-white);
    transform: translateY(-2px);
}

/* ===================================
   INTERNAL LINKS
   =================================== */

.internal-links {
    margin: var(--spacing-xl) 0;
    padding: var(--spacing-lg);
    background: var(--color-gray-100);
    border-radius: var(--border-radius);
}

.internal-links__title {
    font-size: var(--font-size-lg);
    font-weight: 600;
    margin-bottom: var(--spacing-md);
    color: var(--color-primary);
}

.internal-links__list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
    gap: var(--spacing-sm);
}

.internal-links__list li {
    margin: 0;
}

.internal-links__list a {
    display: block;
    padding: var(--spacing-sm) 0;
    color: var(--color-text);
    text-decoration: none;
    border-bottom: 1px solid var(--color-gray-200);
    transition: color 0.2s ease;
}

.internal-links__list a:hover {
    color: var(--color-secondary);
}

.internal-links__list a::before {
    content: '→ ';
    color: var(--color-secondary);
}

/* =========================================
   Partner CTA Box (Affiliate Link)
   ========================================= */
.partner-cta-box {
    background: linear-gradient(135deg, var(--color-white) 0%, var(--color-gray-50) 100%);
    border: 2px solid var(--color-primary);
    border-radius: var(--radius-xl);
    padding: 2rem;
    max-width: 600px;
    margin: 0 auto;
    box-shadow: var(--shadow-xl);
}

.partner-cta-box__header {
    text-align: center;
    margin-bottom: 1.5rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--color-gray-200);
}

.partner-cta-box__logo {
    height: 40px;
    width: auto;
}

.partner-cta-box__content {
    text-align: center;
}

.partner-cta-box__title {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 1rem;
}

.partner-cta-box__amount,
.partner-cta-box__term {
    font-size: 1.125rem;
    color: var(--color-gray-700);
    margin-bottom: 0.5rem;
}

.partner-cta-box__amount strong,
.partner-cta-box__term strong {
    color: var(--color-primary);
}

.partner-cta-box__benefits {
    list-style: none;
    padding: 0;
    margin: 1.5rem 0;
    text-align: left;
    max-width: 320px;
    margin-left: auto;
    margin-right: auto;
}

.partner-cta-box__benefits li {
    padding: 0.5rem 0;
    padding-left: 1.75rem;
    position: relative;
    color: var(--color-gray-700);
    border-bottom: 1px solid var(--color-gray-100);
}

.partner-cta-box__benefits li:last-child {
    border-bottom: none;
}

.partner-cta-box__benefits li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--color-success);
    font-weight: 700;
}

.partner-cta-box__btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.125rem;
    font-weight: 600;
    padding: 1rem 2rem;
    border-radius: var(--radius-lg);
    text-decoration: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 14px rgba(45, 138, 78, 0.4);
    margin-top: 1rem;
}

.partner-cta-box__btn:hover {
    background: linear-gradient(135deg, var(--color-success-light) 0%, var(--color-success) 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(45, 138, 78, 0.5);
}

.partner-cta-box__btn svg {
    transition: transform 0.3s ease;
}

.partner-cta-box__btn:hover svg {
    transform: translateX(4px);
}

.partner-cta-box__note {
    font-size: 0.75rem;
    color: var(--color-gray-500);
    margin-top: 1rem;
}

/* Responsive Consent Overlay */
@media (max-width: 600px) {
    .consent-overlay {
        padding: var(--spacing-md);
        min-height: 380px;
    }
    
    .consent-overlay__content {
        padding: var(--spacing-lg);
    }
    
    .consent-overlay__content h3 {
        font-size: 1.2rem;
    }
    
    .consent-overlay__links {
        flex-wrap: wrap;
        gap: var(--spacing-md);
    }
    
    .consent-overlay__buttons {
        gap: var(--spacing-md);
    }
    
    .consent-overlay__btn {
        padding: var(--spacing-sm) var(--spacing-lg);
        font-size: 0.95rem;
    }
    
    .partner-frame__header {
        flex-direction: column;
        gap: var(--spacing-xs);
        text-align: center;
    }
}

/* Mobile: Frames so breit wie möglich */
@media (max-width: 768px) {
    .partner-frame {
        margin-left: calc(-1 * var(--spacing-md));
        margin-right: calc(-1 * var(--spacing-md));
        width: calc(100% + 2 * var(--spacing-md));
    }
    
    .partner-frame__header {
        border-radius: 0;
    }
    
    .partner-frame__wrapper {
        border-radius: 0;
        border-left: none;
        border-right: none;
    }
    
    .partner-frame__disclosure {
        border-radius: 0;
        border-left: none;
        border-right: none;
    }
    
    .partner-frame__iframe {
        width: 100% !important;
        max-width: 100% !important;
    }
    
    /* Tarifcheck Widget Container */
    #tcpp-iframe-kredit,
    #tcpp-iframe-kredit iframe {
        width: 100% !important;
        max-width: 100% !important;
    }
}

/* Print Styles */
@media print {
    .header,
    .footer,
    .cookie-banner,
    .sidebar,
    .partner-frame,
    .cta-button {
        display: none !important;
    }
    
    body {
        font-size: 12pt;
        line-height: 1.5;
    }
    
    h1, h2, h3 {
        page-break-after: avoid;
    }
}


/* A11Y: bessere Link-Kontraste */
.internal-links__list a{color:var(--color-secondary);text-decoration:underline;text-underline-offset:2px}
.internal-links__list a:hover{color:var(--color-primary)}
.faq-accordion__answer a{color:var(--color-secondary);text-decoration:underline;text-underline-offset:2px}
.faq-accordion__answer a:hover{color:var(--color-primary)}

/* =========================================
   Calculator Box - Ersparnis-Rechner
   ========================================= */
.calculator-box {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    max-width: 900px;
    margin: 0 auto;
}

.calculator-box__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
}

@media (max-width: 768px) {
    .calculator-box__grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }
}

.calculator-box__section {
    padding: var(--spacing-lg);
    background: var(--color-gray-50);
    border-radius: var(--radius-lg);
}

.calculator-box__title {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--color-primary);
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-sm);
    border-bottom: 2px solid var(--color-primary-light);
}

.calculator-box__field {
    margin-bottom: var(--spacing-md);
}

.calculator-box__field label {
    display: block;
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
    margin-bottom: var(--spacing-xs);
}

.calculator-box__input-wrap {
    display: flex;
    align-items: center;
    background: var(--color-white);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.calculator-box__input-wrap:focus-within {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26, 54, 93, 0.1);
}

.calculator-box__input-wrap input,
.calculator-box__input-wrap select {
    flex: 1;
    padding: var(--spacing-sm) var(--spacing-md);
    border: none;
    font-size: 1rem;
    background: transparent;
    min-width: 0;
}

.calculator-box__input-wrap input:focus,
.calculator-box__input-wrap select:focus {
    outline: none;
}

.calculator-box__unit {
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-100);
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    font-weight: 600;
    white-space: nowrap;
}

.calculator-box__hint {
    display: block;
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    margin-top: var(--spacing-xs);
}

.calculator-box__btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    width: 100%;
    padding: var(--spacing-md) var(--spacing-lg);
    margin-top: var(--spacing-lg);
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.calculator-box__btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(16, 185, 129, 0.3);
}

/* Ergebnis-Bereich */
.calculator-box__result {
    margin-top: var(--spacing-xl);
    padding-top: var(--spacing-xl);
    border-top: 2px solid var(--color-gray-200);
}

.calculator-box__result-title {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-primary);
    text-align: center;
    margin-bottom: var(--spacing-lg);
}

.calculator-box__result-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-md);
}

@media (max-width: 768px) {
    .calculator-box__result-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .calculator-box__result-grid {
        grid-template-columns: 1fr;
    }
}

.calculator-box__result-card {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    padding: var(--spacing-md);
    text-align: center;
}

.calculator-box__result-card--highlight {
    background: linear-gradient(135deg, var(--color-success-light) 0%, #d1fae5 100%);
    border-color: var(--color-success);
    grid-column: 1 / -1;
}

.calculator-box__result-card--highlight .calculator-box__result-value {
    font-size: 1.75rem;
    color: var(--color-success-dark);
}

.calculator-box__result-card--negative {
    background: linear-gradient(135deg, #fef2f2 0%, #fee2e2 100%);
    border-color: #ef4444;
}

.calculator-box__result-card--negative .calculator-box__result-value {
    color: #dc2626;
}

.calculator-box__result-label {
    display: block;
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-xs);
}

.calculator-box__result-value {
    display: block;
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-gray-900);
}

/* Disclaimer */
.calculator-box__disclaimer {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-lg);
    padding: var(--spacing-md);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
}

.calculator-box__disclaimer svg {
    flex-shrink: 0;
    color: var(--color-gray-500);
    margin-top: 2px;
}

.calculator-box__disclaimer p {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    line-height: 1.5;
    margin: 0;
}

/* CTA im Rechner */
.calculator-box__cta {
    text-align: center;
    margin-top: var(--spacing-xl);
}

.calculator-box__cta .cta-button {
    display: inline-flex;
}

.calculator-box__cta-hint {
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    margin-top: var(--spacing-sm);
}

/* =========================================
   Savings Calculator (Ersparnis-Rechner)
   ========================================= */
.savings-calculator {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.08);
    max-width: 900px;
    margin: 0 auto;
}

.savings-calculator__form {
    margin-bottom: var(--spacing-lg);
}

.savings-calculator__row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-lg);
}

.savings-calculator__row--single {
    grid-template-columns: 1fr;
}

@media (max-width: 768px) {
    .savings-calculator__row {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
}

.savings-calculator__field {
    display: flex;
    flex-direction: column;
}

.savings-calculator__field--wide {
    max-width: 600px;
    margin: 0 auto;
    width: 100%;
}

.savings-calculator__field label {
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
    margin-bottom: var(--spacing-xs);
}

.savings-calculator__field small {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    margin-top: var(--spacing-xs);
}

.savings-calculator__input-wrap {
    display: flex;
    align-items: center;
    background: var(--color-white);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color var(--transition-fast);
}

.savings-calculator__input-wrap:focus-within {
    border-color: var(--color-primary);
}

.savings-calculator__input-wrap input[type="number"] {
    flex: 1;
    padding: var(--spacing-sm) var(--spacing-md);
    border: none;
    font-size: 1.1rem;
    font-weight: 600;
    background: transparent;
    min-width: 0;
}

.savings-calculator__input-wrap input:focus {
    outline: none;
}

.savings-calculator__unit {
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-100);
    color: var(--color-gray-600);
    font-weight: 600;
    white-space: nowrap;
}

.savings-calculator__slider-wrap {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
}

.savings-calculator__slider {
    flex: 1;
    height: 8px;
    border-radius: 4px;
    background: var(--color-gray-200);
    outline: none;
    cursor: pointer;
    -webkit-appearance: none;
}

.savings-calculator__slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}

.savings-calculator__slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    border: none;
}

.savings-calculator__rate-display {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-primary);
    min-width: 70px;
    text-align: right;
}

.savings-calculator__btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    width: 100%;
    max-width: 400px;
    margin: var(--spacing-lg) auto 0;
    padding: var(--spacing-md) var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-lg);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.savings-calculator__btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(16, 185, 129, 0.35);
}

/* Ergebnis */
.savings-calculator__result {
    padding-top: var(--spacing-xl);
    border-top: 2px solid var(--color-gray-200);
}

.savings-calculator__result h3 {
    font-family: var(--font-heading);
    font-size: 1.35rem;
    color: var(--color-primary);
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.savings-calculator__comparison {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
}

@media (max-width: 768px) {
    .savings-calculator__comparison {
        flex-direction: column;
    }
    
    .savings-calculator__arrow {
        transform: rotate(90deg);
    }
}

.savings-calculator__box {
    flex: 1;
    max-width: 300px;
    padding: var(--spacing-lg);
    border-radius: var(--radius-lg);
    border: 2px solid var(--color-gray-200);
}

.savings-calculator__box--old {
    background: var(--color-gray-50);
}

.savings-calculator__box--new {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
    border-color: var(--color-success);
}

.savings-calculator__box-label {
    display: block;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gray-600);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--spacing-md);
    padding-bottom: var(--spacing-sm);
    border-bottom: 1px solid var(--color-gray-200);
}

.savings-calculator__box--new .savings-calculator__box-label {
    color: var(--color-success-dark);
    border-color: var(--color-success);
}

.savings-calculator__box-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-xs) 0;
}

.savings-calculator__box-row span {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
}

.savings-calculator__box-row strong {
    font-family: var(--font-heading);
    font-size: 1rem;
    color: var(--color-gray-900);
}

.savings-calculator__arrow {
    color: var(--color-success);
    flex-shrink: 0;
}

.savings-calculator__savings {
    display: flex;
    justify-content: center;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

@media (max-width: 480px) {
    .savings-calculator__savings {
        flex-direction: column;
        align-items: center;
        gap: var(--spacing-md);
    }
}

.savings-calculator__savings-item {
    text-align: center;
    padding: var(--spacing-md) var(--spacing-xl);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
}

.savings-calculator__savings-item span {
    display: block;
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-xs);
}

.savings-calculator__savings-item strong {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    color: var(--color-gray-900);
}

.savings-calculator__savings-item--highlight {
    background: linear-gradient(135deg, var(--color-success-light) 0%, #a7f3d0 100%);
}

.savings-calculator__savings-item--highlight strong {
    font-size: 2rem;
    color: var(--color-success-dark);
}

.savings-calculator__disclaimer {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    padding: var(--spacing-md);
    background: #fffbeb;
    border: 1px solid #fcd34d;
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-xl);
}

.savings-calculator__disclaimer svg {
    flex-shrink: 0;
    color: #b45309;
    margin-top: 2px;
}

.savings-calculator__disclaimer p {
    font-size: var(--text-sm);
    color: #92400e;
    line-height: 1.5;
    margin: 0;
}

.savings-calculator__cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    max-width: 500px;
    margin: 0 auto;
    padding: var(--spacing-md) var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: var(--radius-lg);
    transition: all var(--transition-fast);
}

.savings-calculator__cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(26, 54, 93, 0.3);
    color: var(--color-white);
}

.savings-calculator__cta-note {
    text-align: center;
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    margin-top: var(--spacing-sm);
}

/* =========================================
   Multi-Calculator (Erweiterter Rechner)
   ========================================= */
.multi-calculator {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.08);
    max-width: 900px;
    margin: 0 auto;
}

.multi-calculator__section {
    padding: var(--spacing-xl);
    border-bottom: 1px solid var(--color-gray-200);
}

.multi-calculator__section:last-child {
    border-bottom: none;
}

.multi-calculator__section-title {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-lg);
}

.multi-calculator__section-number {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    background: var(--color-primary);
    color: var(--color-white);
    font-size: var(--text-sm);
    font-weight: 700;
    border-radius: 50%;
}

/* Debt Cards */
.multi-calculator__debts {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.debt-card {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.debt-card__header {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-100);
    border-bottom: 1px solid var(--color-gray-200);
}

.debt-card__type {
    flex: 1;
    padding: var(--spacing-xs) var(--spacing-sm);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-sm);
    font-size: var(--text-sm);
    font-weight: 600;
    background: var(--color-white);
    cursor: pointer;
}

.debt-card__remove {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    background: none;
    border: none;
    color: var(--color-gray-500);
    cursor: pointer;
    border-radius: var(--radius-sm);
    transition: all var(--transition-fast);
}

.debt-card__remove:hover {
    background: #fee2e2;
    color: #dc2626;
}

.debt-card__fields {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-md);
    padding: var(--spacing-md);
}

@media (max-width: 768px) {
    .debt-card__fields {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .debt-card__fields {
        grid-template-columns: 1fr;
    }
}

.debt-card__field {
    display: flex;
    flex-direction: column;
}

.debt-card__field--wide {
    grid-column: span 2;
}

@media (max-width: 480px) {
    .debt-card__field--wide {
        grid-column: span 1;
    }
}

.debt-card__field label {
    font-size: var(--text-xs);
    font-weight: 600;
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-xs);
}

.debt-card__input-wrap {
    display: flex;
    align-items: center;
    background: var(--color-white);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-sm);
    overflow: hidden;
}

.debt-card__input-wrap:focus-within {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 2px rgba(26, 54, 93, 0.1);
}

.debt-card__input-wrap input {
    flex: 1;
    padding: var(--spacing-xs) var(--spacing-sm);
    border: none;
    font-size: 0.95rem;
    font-weight: 600;
    min-width: 0;
}

.debt-card__input-wrap input:focus {
    outline: none;
}

.debt-card__input-wrap span {
    padding: var(--spacing-xs) var(--spacing-sm);
    background: var(--color-gray-100);
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    font-weight: 600;
}

.debt-card__summary {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-100);
    border-top: 1px solid var(--color-gray-200);
    font-size: var(--text-sm);
    color: var(--color-gray-600);
}

.debt-card__summary strong {
    color: var(--color-gray-900);
}

/* Add Button */
.multi-calculator__add-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    width: 100%;
    padding: var(--spacing-md);
    background: var(--color-white);
    border: 2px dashed var(--color-gray-300);
    border-radius: var(--radius-md);
    color: var(--color-gray-600);
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition-fast);
}

.multi-calculator__add-btn:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
    background: var(--color-primary-light);
}

/* Totals */
.multi-calculator__total {
    margin-top: var(--spacing-lg);
    padding: var(--spacing-md);
    background: linear-gradient(135deg, var(--color-primary-light) 0%, #e2e8f0 100%);
    border-radius: var(--radius-md);
}

.multi-calculator__total-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-xs) 0;
}

.multi-calculator__total-row span {
    color: var(--color-gray-700);
}

.multi-calculator__total-row strong {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    color: var(--color-primary);
}

/* Options */
.multi-calculator__options {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-lg);
}

@media (max-width: 768px) {
    .multi-calculator__options {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }
}

.multi-calculator__option label {
    display: block;
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--color-gray-700);
    margin-bottom: var(--spacing-xs);
}

.multi-calculator__option small {
    display: block;
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    margin-top: var(--spacing-xs);
}

.multi-calculator__select {
    width: 100%;
    padding: var(--spacing-sm) var(--spacing-md);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    font-size: 1rem;
    font-weight: 600;
    background: var(--color-white);
    cursor: pointer;
}

.multi-calculator__select:focus {
    outline: none;
    border-color: var(--color-primary);
}

.multi-calculator__slider-wrap {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
}

.multi-calculator__slider {
    flex: 1;
    height: 8px;
    border-radius: 4px;
    background: var(--color-gray-200);
    outline: none;
    cursor: pointer;
    -webkit-appearance: none;
}

.multi-calculator__slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}

.multi-calculator__slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    border: none;
}

.multi-calculator__rate-display {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-primary);
    min-width: 70px;
    text-align: right;
}

/* Calculate Button */
.multi-calculator__calc-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    width: 100%;
    max-width: 400px;
    margin: 0 auto;
    padding: var(--spacing-md) var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-lg);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.multi-calculator__calc-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(16, 185, 129, 0.35);
}

/* Result Section */
.multi-calculator__result {
    background: var(--color-gray-50);
}

/* Result Breakdown */
.result-breakdown {
    margin-bottom: var(--spacing-xl);
}

.result-breakdown h4 {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gray-600);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--spacing-sm);
}

.result-breakdown__list {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xs);
}

.result-breakdown__item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-sm);
}

.result-breakdown__name {
    font-weight: 600;
    color: var(--color-gray-900);
}

.result-breakdown__detail {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
}

/* Result Comparison */
.result-comparison {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
}

@media (max-width: 768px) {
    .result-comparison {
        flex-direction: column;
    }
    
    .result-comparison__arrow {
        transform: rotate(90deg);
    }
}

.result-comparison__box {
    flex: 1;
    max-width: 320px;
    padding: var(--spacing-lg);
    border-radius: var(--radius-lg);
    border: 2px solid var(--color-gray-200);
    background: var(--color-white);
}

.result-comparison__box--old {
    background: var(--color-gray-50);
}

.result-comparison__box--new {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
    border-color: var(--color-success);
}

.result-comparison__box h4 {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gray-600);
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: var(--spacing-md);
    padding-bottom: var(--spacing-sm);
    border-bottom: 1px solid var(--color-gray-200);
}

.result-comparison__box--new h4 {
    color: var(--color-success-dark);
    border-color: var(--color-success);
}

.result-comparison__row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-xs) 0;
}

.result-comparison__row span {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
}

.result-comparison__row strong {
    font-family: var(--font-heading);
    color: var(--color-gray-900);
}

.result-comparison__arrow {
    color: var(--color-success);
    flex-shrink: 0;
}

/* Result Savings */
.result-savings {
    display: flex;
    justify-content: center;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

@media (max-width: 480px) {
    .result-savings {
        flex-direction: column;
        align-items: center;
        gap: var(--spacing-md);
    }
}

.result-savings__item {
    text-align: center;
    padding: var(--spacing-md) var(--spacing-xl);
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
}

.result-savings__item--main {
    background: linear-gradient(135deg, var(--color-success-light) 0%, #a7f3d0 100%);
    border-color: var(--color-success);
}

.result-savings__label {
    display: block;
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-xs);
}

.result-savings__item strong {
    display: block;
    font-family: var(--font-heading);
    font-size: 1.5rem;
    color: var(--color-gray-900);
}

.result-savings__item--main strong {
    font-size: 2rem;
    color: var(--color-success-dark);
}

/* Result Notes */
.result-notes {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-xl);
}

.result-notes__item {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
}

.result-notes__item--info {
    background: #eff6ff;
    border: 1px solid #93c5fd;
}

.result-notes__item--info svg {
    color: #2563eb;
    flex-shrink: 0;
    margin-top: 2px;
}

.result-notes__item--info p {
    font-size: var(--text-sm);
    color: #1e40af;
    margin: 0;
}

.result-notes__item--warning {
    background: #fffbeb;
    border: 1px solid #fcd34d;
}

.result-notes__item--warning svg {
    color: #b45309;
    flex-shrink: 0;
    margin-top: 2px;
}

.result-notes__item--warning p {
    font-size: var(--text-sm);
    color: #92400e;
    margin: 0;
}

/* Result CTA */
.result-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    max-width: 500px;
    margin: 0 auto;
    padding: var(--spacing-md) var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: var(--radius-lg);
    transition: all var(--transition-fast);
}

.result-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(26, 54, 93, 0.3);
    color: var(--color-white);
}

.result-cta-note {
    text-align: center;
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    margin-top: var(--spacing-sm);
}

/* =========================================
   Umschuldungsrechner (Neues Layout)
   ========================================= */
.calc-container {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.08);
    max-width: 1000px;
    margin: 0 auto;
}

.calc-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
}

@media (max-width: 768px) {
    .calc-row {
        grid-template-columns: 1fr;
    }
}

.calc-col {
    padding: var(--spacing-xl);
}

.calc-col--left {
    background: var(--color-white);
    border-right: 1px solid var(--color-gray-200);
}

@media (max-width: 768px) {
    .calc-col--left {
        border-right: none;
        border-bottom: 1px solid var(--color-gray-200);
    }
}

.calc-col--right {
    background: var(--color-gray-50);
}

.calc-col__title {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-sm);
    border-bottom: 2px solid var(--color-primary);
}

/* Debt Cards */
.calc-debts {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.calc-debt {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    overflow: hidden;
}

.calc-debt__header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-gray-100);
    border-bottom: 1px solid var(--color-gray-200);
}

.calc-debt__label {
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--color-gray-800);
}

.calc-debt__remove {
    background: none;
    border: none;
    color: var(--color-gray-500);
    font-size: 1.25rem;
    cursor: pointer;
    padding: 0 var(--spacing-xs);
    line-height: 1;
}

.calc-debt__remove:hover {
    color: #dc2626;
}

.calc-debt__fields {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-sm);
    padding: var(--spacing-md);
}

.calc-debt__fields--4col {
    grid-template-columns: repeat(4, 1fr);
}

.calc-field--wide {
    grid-column: span 1;
}

@media (max-width: 700px) {
    .calc-debt__fields,
    .calc-debt__fields--4col {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .calc-field--wide {
        grid-column: span 2;
    }
}

@media (max-width: 400px) {
    .calc-debt__fields,
    .calc-debt__fields--4col {
        grid-template-columns: 1fr;
    }
    
    .calc-field--wide {
        grid-column: span 1;
    }
}

/* Fields */
.calc-field {
    display: flex;
    flex-direction: column;
}

.calc-field label {
    font-size: var(--text-xs);
    font-weight: 600;
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-xs);
}

.calc-field small {
    font-size: 0.7rem;
    color: var(--color-gray-500);
    margin-top: 2px;
}

.calc-field__input {
    display: flex;
    align-items: center;
    background: var(--color-white);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-sm);
    overflow: hidden;
}

.calc-field__input:focus-within {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 2px rgba(26, 54, 93, 0.1);
}

.calc-field__input input,
.calc-field__input select {
    flex: 1;
    padding: var(--spacing-xs) var(--spacing-sm);
    border: none;
    font-size: 0.95rem;
    font-weight: 600;
    min-width: 0;
    background: transparent;
}

.calc-field__input select {
    font-size: 0.85rem;
    font-weight: 500;
    cursor: pointer;
}

.calc-field__input input:focus,
.calc-field__input select:focus {
    outline: none;
}

.calc-field__input span {
    padding: var(--spacing-xs) var(--spacing-sm);
    background: var(--color-gray-100);
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    font-weight: 500;
    white-space: nowrap;
}

.calc-field__input--readonly {
    background: var(--color-gray-100);
}

.calc-field__input--readonly span:first-child {
    flex: 1;
    text-align: right;
    font-weight: 700;
    background: transparent;
    color: var(--color-gray-900);
}

.calc-field__input--calculated {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
    border-color: #6ee7b7;
}

.calc-field__input--calculated span:first-child {
    flex: 1;
    text-align: right;
    font-weight: 700;
    font-size: 1rem;
    background: transparent;
    color: #059669;
}

/* Add Buttons */
.calc-add-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-lg);
}

.calc-add-btn {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    padding: var(--spacing-xs) var(--spacing-sm);
    background: var(--color-white);
    border: 1px dashed var(--color-gray-300);
    border-radius: var(--radius-sm);
    color: var(--color-gray-600);
    font-size: var(--text-xs);
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition-fast);
}

.calc-add-btn:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
    background: var(--color-primary-light);
}

/* Info Box für Dispo/Kreditkarte */
.calc-info {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    padding: var(--spacing-sm) var(--spacing-md);
    background: #eff6ff;
    border: 1px solid #bfdbfe;
    border-radius: var(--radius-sm);
    margin-bottom: var(--spacing-md);
}

.calc-info svg {
    flex-shrink: 0;
    color: #3b82f6;
    margin-top: 2px;
}

.calc-info span {
    font-size: var(--text-xs);
    color: #1e40af;
    line-height: 1.4;
}

/* Summary Boxes */
.calc-summary {
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
    margin-top: var(--spacing-md);
}

.calc-summary--old {
    background: #f8fafc;
    border: 1px solid var(--color-gray-200);
}

.calc-summary--new {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
    border: 1px solid #6ee7b7;
}

.calc-summary__row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-xs) 0;
}

.calc-summary__row span {
    color: var(--color-gray-700);
    font-size: var(--text-sm);
}

.calc-summary__row strong {
    font-family: var(--font-heading);
    font-size: 1rem;
    color: var(--color-gray-900);
}

.calc-summary__row--highlight {
    margin-top: var(--spacing-xs);
    padding-top: var(--spacing-sm);
    border-top: 1px solid var(--color-gray-300);
}

.calc-summary__row--highlight strong {
    font-size: 1.15rem;
}

.calc-summary--new .calc-summary__row--highlight strong {
    color: #059669;
}

/* New Loan Section */
.calc-new {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

/* Result */
.calc-result {
    padding: var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    text-align: center;
}

.calc-result__box {
    display: inline-block;
    padding: var(--spacing-md) var(--spacing-xl);
    background: var(--color-white);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-sm);
}

.calc-result__box--positive {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
}

.calc-result__box--negative {
    background: linear-gradient(135deg, #fef2f2 0%, #fecaca 100%);
}

.calc-result__label {
    display: block;
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-xs);
}

.calc-result__value {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 700;
    color: #16a34a;
}

.calc-result__box--negative .calc-result__value {
    color: #dc2626;
}

.calc-result__details {
    color: rgba(255, 255, 255, 0.9);
    font-size: var(--text-sm);
}

/* Disclaimer */
.calc-disclaimer {
    padding: var(--spacing-md) var(--spacing-xl);
    background: #fffbeb;
    border-top: 1px solid #fcd34d;
}

.calc-disclaimer p {
    font-size: var(--text-xs);
    color: #92400e;
    margin: 0;
    text-align: center;
}

/* CTA */
.calc-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    max-width: 500px;
    margin: var(--spacing-lg) auto 0;
    padding: var(--spacing-md) var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-success-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.05rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: var(--radius-lg);
    transition: all var(--transition-fast);
}

.calc-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(16, 185, 129, 0.35);
    color: var(--color-white);
}