/* =====================================================================
   Baufinanzierungszentrum Schuster — gemeinsames Stylesheet (Unterseiten)
   Verwendet von ratgeber.html, allen Ratgeber-Artikeln und Regional-Seiten.
   Designsystem identisch zur Startseite (index.html).
   ===================================================================== */

:root {
  --ink-900: #0a1f33;
  --ink-700: #18486f;
  --ink-500: #2c5f8a;
  --ink-300: #5b7a96;
  --ink-100: #b9ccdc;

  --paper:   #f9f4e9;
  --ivory:   #f3ede1;
  --ivory-soft: #f9f4e9;
  --white:   #ffffff;

  --gold-500: #c89c4b;
  --gold-400: #d6b273;
  --gold-300: #e4c994;
  --gold-100: #f5ead2;
  --rule:     #e6ddc9;

  --text:     #1a2733;
  --muted:    #5f7180;
  --border:   #e3e8ed;
  --border-soft: #eef2f5;

  --success: #2e7d4f;
  --success-soft: #e8f3ec;
  --amber: #b8862a;
  --amber-soft: #fbf2dd;
  --whatsapp: #25D366;

  --shadow-xl: 0 30px 60px -20px rgba(10, 31, 51, 0.25);
  --shadow-lg: 0 18px 40px -16px rgba(10, 31, 51, 0.18);
  --shadow-md: 0 10px 24px -12px rgba(10, 31, 51, 0.12);
  --shadow-sm: 0 4px 12px -4px rgba(10, 31, 51, 0.08);

  --radius-xl: 28px;
  --radius-lg: 18px;
  --radius-md: 14px;
  --radius-sm: 8px;

  --max: 1200px;
  --content: 720px;

  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter Tight", system-ui, -apple-system, "Segoe UI", sans-serif;
  background: var(--paper);
  color: var(--text);
  line-height: 1.6;
  padding-bottom: 96px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
@media (min-width: 760px) { body { padding-bottom: 0; } }

h1, h2, h3, h4 {
  font-family: "Fraunces", Georgia, "Times New Roman", serif;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--ink-900);
  margin: 0;
}
h1 { font-size: clamp(32px, 4.6vw, 50px); line-height: 1.07; }
h2 { font-size: clamp(26px, 3.2vw, 36px); line-height: 1.15; }
h3 { font-size: clamp(19px, 2vw, 23px); line-height: 1.2; }

p { margin: 0; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
}

/* ============ TOPBAR ============ */
.topbar {
  background: var(--ink-900);
  color: #d5dee6;
  font-size: 13px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  padding: 10px 0;
}
.topbar .dot {
  display: inline-block;
  width: 4px; height: 4px;
  background: var(--gold-400);
  border-radius: 50%;
  margin: 0 8px;
  vertical-align: middle;
}

/* ============ HEADER ============ */
header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(250, 251, 252, 0.92);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid var(--border-soft);
}
.nav-wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding: 14px 0;
}
.brand { display: flex; align-items: center; gap: 14px; min-width: 0; }
.brand img {
  height: 96px;
  width: auto;
  filter: drop-shadow(0 4px 10px rgba(10,31,51,0.10));
}
.brand-mark {
  width: 60px; height: 60px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--ink-700) 0%, var(--ink-900) 100%);
  color: var(--gold-300);
  display: flex; align-items: center; justify-content: center;
  font-family: "Fraunces", serif;
  font-size: 26px;
  letter-spacing: -0.02em;
  box-shadow: var(--shadow-md);
  flex-shrink: 0;
}
.brand-text strong {
  display: block;
  font-family: "Fraunces", serif;
  font-weight: 500;
  color: var(--ink-900);
  font-size: 19px;
  line-height: 1.1;
}
.brand-text span {
  display: block;
  color: var(--muted);
  font-size: 12.5px;
  margin-top: 3px;
  font-weight: 500;
  letter-spacing: 0.02em;
}
nav.main { display: flex; align-items: center; gap: 26px; }
.nav-links { display: flex; gap: 22px; align-items: center; }
.nav-links a {
  font-weight: 500;
  font-size: 14.5px;
  color: var(--ink-900);
  position: relative;
  padding: 6px 0;
  transition: color 0.2s var(--ease);
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 50%; bottom: 0;
  width: 0; height: 1.5px;
  background: var(--gold-500);
  transition: width 0.25s var(--ease), left 0.25s var(--ease);
}
.nav-links a:hover::after,
.nav-links a:focus-visible::after,
.nav-links a.current::after { width: 100%; left: 0; }
.nav-links a.current { color: var(--gold-500); }

.hamburger {
  display: none;
  background: none;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  width: 44px; height: 44px;
  cursor: pointer;
  padding: 0;
  align-items: center; justify-content: center;
}
.hamburger svg { width: 22px; height: 22px; stroke: var(--ink-900); }

.mobile-sheet {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10,31,51,0.6);
  backdrop-filter: blur(8px);
  z-index: 1001;
  padding: 80px 24px 24px;
  overflow-y: auto;
}
.mobile-sheet.open { display: block; }
.mobile-sheet-inner {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 28px;
  max-width: 480px;
  margin: 0 auto;
  box-shadow: var(--shadow-xl);
}
.mobile-sheet a {
  display: block;
  padding: 13px 0;
  font-size: 17px;
  font-weight: 500;
  color: var(--ink-900);
  border-bottom: 1px solid var(--border-soft);
}
.mobile-sheet a:last-of-type { border: none; }
.mobile-sheet .btn { width: 100%; margin-top: 14px; }
.mobile-close {
  position: absolute;
  top: 24px; right: 24px;
  width: 44px; height: 44px;
  background: var(--white);
  border: none;
  border-radius: 50%;
  font-size: 22px;
  cursor: pointer;
  box-shadow: var(--shadow-md);
}

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: none;
  border-radius: 999px;
  padding: 14px 24px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), background 0.2s var(--ease);
  min-height: 48px;
  white-space: nowrap;
}
.btn:active { transform: scale(0.97); }
.btn:focus-visible { outline: 2px solid var(--gold-500); outline-offset: 3px; }
.btn-primary {
  background: linear-gradient(180deg, var(--gold-300) 0%, var(--gold-500) 100%);
  color: #1a1208;
  box-shadow: 0 8px 20px -6px rgba(200, 156, 75, 0.45), inset 0 1px 0 rgba(255,255,255,0.4);
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 12px 28px -8px rgba(200, 156, 75, 0.55), inset 0 1px 0 rgba(255,255,255,0.4); }
.btn-secondary {
  background: var(--ink-900);
  color: var(--white);
  box-shadow: 0 6px 16px -6px rgba(10,31,51,0.4);
}
.btn-secondary:hover { background: var(--ink-700); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink-900); border: 1px solid var(--border); }
.btn-ghost:hover { background: var(--border-soft); }
.btn-whatsapp {
  background: var(--whatsapp);
  color: var(--white);
  box-shadow: 0 6px 16px -6px rgba(37, 211, 102, 0.5);
}
.btn-whatsapp:hover { background: #1fb858; transform: translateY(-1px); }
.btn-light { background: #fff; color: var(--ink-900); }
.btn-light:hover { background: var(--ivory-soft); transform: translateY(-1px); }

/* ============ PAGE-HERO ============ */
.page-hero {
  position: relative;
  background:
    radial-gradient(ellipse at top right, rgba(228, 201, 148, 0.12), transparent 55%),
    linear-gradient(165deg, var(--ink-900) 0%, var(--ink-700) 100%);
  color: var(--white);
  padding: 52px 0 62px;
}
.breadcrumb {
  font-size: 13px;
  color: var(--ink-100);
  margin-bottom: 18px;
}
.breadcrumb a { color: var(--ink-100); transition: color 0.2s var(--ease); }
.breadcrumb a:hover { color: var(--gold-300); }
.breadcrumb span { margin: 0 7px; opacity: 0.6; }
.page-hero .eyebrow { color: var(--gold-300); }
.page-hero .eyebrow::before { background: var(--gold-300); }
.page-hero h1 { color: var(--white); max-width: 880px; margin-bottom: 16px; }
.page-hero h1 em { font-style: italic; font-weight: 400; color: var(--gold-300); }
.page-hero-sub {
  font-size: 18px;
  color: #e7f0f7;
  max-width: 720px;
  line-height: 1.6;
}
.page-hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.article-meta {
  margin-top: 22px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
  font-size: 13px;
  color: var(--ink-100);
}
.article-meta span { display: inline-flex; align-items: center; gap: 6px; }
.article-meta svg { width: 14px; height: 14px; stroke: var(--gold-300); fill: none; stroke-width: 2; }

/* ============ SECTIONS ============ */
.section { padding: 64px 0; }
.section-tight { padding: 44px 0; }
.section-ivory { background: var(--ivory); }
.section-head { max-width: 780px; margin-bottom: 32px; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold-500);
  font-weight: 600;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  margin-bottom: 12px;
}
.eyebrow::before { content: ""; width: 28px; height: 1px; background: var(--gold-500); }
.section-head h2 { margin-bottom: 14px; }
.section-head p { color: var(--muted); font-size: 17px; max-width: var(--content); line-height: 1.6; }

/* ============ ARTICLE / PROSE ============ */
.article-body { max-width: var(--content); margin: 0 auto; }
.prose > * + * { margin-top: 18px; }
.prose .lead {
  font-size: 19px;
  line-height: 1.65;
  color: var(--ink-700);
}
.prose h2 {
  margin-top: 44px;
  padding-top: 4px;
  font-size: clamp(24px, 3vw, 31px);
}
.prose h2:first-child, .prose h2:first-of-type { margin-top: 0; }
.prose h3 { margin-top: 30px; font-size: 21px; }
.prose p { color: var(--text); font-size: 16.5px; line-height: 1.72; }
.prose a {
  color: var(--ink-700);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: var(--gold-400);
  text-underline-offset: 3px;
}
.prose a:hover { color: var(--gold-500); }
.prose strong { color: var(--ink-900); font-weight: 700; }
.prose ul, .prose ol { margin: 18px 0; padding-left: 22px; color: var(--text); }
.prose li { margin-bottom: 9px; font-size: 16.5px; line-height: 1.65; }
.prose li::marker { color: var(--gold-500); }
.prose blockquote {
  margin: 24px 0;
  padding: 4px 0 4px 22px;
  border-left: 3px solid var(--gold-500);
  color: var(--ink-700);
  font-style: italic;
  font-size: 17px;
}

/* Checkliste mit Häkchen */
.checklist { list-style: none; margin: 20px 0; padding: 0; }
.checklist li {
  position: relative;
  padding-left: 34px;
  margin-bottom: 12px;
  font-size: 16px;
  line-height: 1.6;
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0; top: 1px;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--success-soft);
  border: 1px solid #b7e2c3;
}
.checklist li::after {
  content: "";
  position: absolute;
  left: 7px; top: 7px;
  width: 9px; height: 5px;
  border-left: 2px solid var(--success);
  border-bottom: 2px solid var(--success);
  transform: rotate(-45deg);
}

/* Hinweis-/Info-Box */
.callout {
  background: var(--ivory-soft);
  border: 1px solid var(--rule);
  border-left: 4px solid var(--gold-500);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  margin: 26px 0;
}
.callout strong { color: var(--ink-900); }
.callout p { font-size: 15px; color: var(--ink-700); line-height: 1.65; }
.callout .callout-title {
  display: block;
  font-weight: 700;
  color: var(--ink-900);
  margin-bottom: 6px;
  font-size: 15px;
}

/* Tabellen */
.table-wrap { overflow-x: auto; margin: 24px 0; }
table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
th, td { padding: 13px 16px; text-align: left; border-bottom: 1px solid var(--border-soft); }
th { background: var(--ivory-soft); color: var(--ink-900); font-weight: 700; font-size: 13.5px; }
td { color: var(--text); }
tr:last-child td { border-bottom: none; }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; }

/* ============ CARDS ============ */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); font-size: 15px; line-height: 1.6; }
.card-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--ivory-soft) 0%, var(--ivory) 100%);
  border: 1px solid var(--rule);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card-icon svg { width: 24px; height: 24px; stroke: var(--gold-500); fill: none; stroke-width: 1.5; }

/* Ratgeber-Karten (Hub + verwandte Artikel) */
.ratgeber-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.ratgeber-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 26px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.ratgeber-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--rule); }
.ratgeber-card:focus-visible { outline: 2px solid var(--gold-500); outline-offset: 3px; }
.ratgeber-tag {
  align-self: flex-start;
  padding: 5px 11px;
  border-radius: 999px;
  background: var(--ivory-soft);
  border: 1px solid var(--rule);
  color: var(--gold-500);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 14px;
}
.ratgeber-card h3 { font-size: 21px; margin-bottom: 8px; }
.ratgeber-card p { color: var(--muted); font-size: 14.5px; line-height: 1.6; margin: 0 0 18px; }
.ratgeber-more {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--ink-700);
  font-weight: 600;
  font-size: 14px;
}
.ratgeber-more svg { width: 16px; height: 16px; stroke: var(--gold-500); fill: none; stroke-width: 2; transition: transform 0.25s var(--ease); }
.ratgeber-card:hover .ratgeber-more svg { transform: translateX(4px); }

/* Faktenkacheln (Regional-Seiten) */
.fact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.fact {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.fact-value {
  font-family: "Fraunces", serif;
  font-size: 32px;
  font-weight: 600;
  color: var(--ink-900);
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.fact-label { color: var(--muted); font-size: 14px; margin-top: 6px; }

/* ============ FAQ-AKKORDEON ============ */
.faq-list { display: grid; gap: 14px; max-width: 860px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: 16px;
  background: #fff;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.faq-item.open { box-shadow: var(--shadow-md); border-color: var(--rule); }
.faq-trigger {
  width: 100%;
  background: none;
  border: none;
  padding: 19px 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: inherit;
  text-align: left;
  gap: 16px;
}
.faq-trigger h3 {
  font-family: "Fraunces", serif;
  font-size: 18px;
  font-weight: 500;
  color: var(--ink-900);
  margin: 0;
}
.faq-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1px solid var(--rule);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: transform 0.3s var(--ease), background 0.2s var(--ease);
}
.faq-icon svg { width: 12px; height: 12px; stroke: var(--gold-500); stroke-width: 2; fill: none; }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--ivory-soft); }
.faq-content { max-height: 0; overflow: hidden; transition: max-height 0.35s var(--ease); }
.faq-content-inner { padding: 0 22px 18px; color: var(--muted); font-size: 15px; line-height: 1.65; }

/* ============ CTA-BOX ============ */
.cta-box {
  background:
    radial-gradient(ellipse at top right, rgba(228,201,148,0.12), transparent 55%),
    linear-gradient(165deg, var(--ink-900) 0%, var(--ink-700) 100%);
  color: #fff;
  border-radius: var(--radius-xl);
  padding: 38px;
  box-shadow: var(--shadow-lg);
}
.cta-box h2, .cta-box h3 { color: #fff; margin-bottom: 10px; }
.cta-box p { color: #e7f0f7; font-size: 16px; line-height: 1.6; max-width: 620px; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }

/* ============ FOOTER ============ */
.site-footer {
  background: var(--ink-900);
  color: #dbe7ef;
  padding: 48px 16px 26px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
  max-width: var(--max);
  margin: 0 auto 32px;
}
.site-footer h4 {
  color: #fff;
  font-family: "Fraunces", serif;
  font-size: 17px;
  margin-bottom: 14px;
}
.site-footer p { font-size: 14px; color: #aebecb; line-height: 1.65; }
.footer-links { display: grid; gap: 9px; }
.footer-links a { font-size: 14px; color: #cdd9e3; transition: color 0.2s var(--ease); }
.footer-links a:hover { color: var(--gold-300); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 22px;
  text-align: center;
  font-size: 13px;
  color: #8ea0af;
  max-width: var(--max);
  margin: 0 auto;
}

/* ============ STICKY-BAR (mobil) ============ */
.sticky-bar {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 9998;
  background: rgba(10,31,51,0.97);
  backdrop-filter: blur(8px);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 12px 16px;
}
.sticky-inner {
  max-width: 1180px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
}
.sticky-text { color: #fff; font-weight: 600; font-size: 15px; }
.sticky-actions { display: flex; gap: 10px; }
.sticky-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 48px; min-height: 48px;
  padding: 0 16px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 14px;
  border: none;
  cursor: pointer;
  font-family: inherit;
}
.sticky-btn.gold { background: var(--gold-500); color: #1a1208; }
.sticky-btn.green { background: var(--whatsapp); color: #fff; }
.sticky-btn.white { background: #fff; color: var(--ink-900); }
.sticky-btn.icon-only { padding: 0; }
.sticky-btn svg { width: 20px; height: 20px; }
@media (min-width: 760px) { .sticky-bar { display: none; } }

/* ============ REVEAL ============ */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.in { opacity: 1; transform: translateY(0); }
.stagger-1 { transition-delay: 0.05s; }
.stagger-2 { transition-delay: 0.15s; }
.stagger-3 { transition-delay: 0.25s; }
.stagger-4 { transition-delay: 0.35s; }

/* ============ RESPONSIVE ============ */
@media (max-width: 1050px) {
  .grid-3, .grid-2, .ratgeber-grid, .fact-grid, .footer-grid { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .hamburger { display: inline-flex; }
}
@media (max-width: 760px) {
  /* Topbar ausblenden, Header verschlanken (Logo enthält den Namen bereits) */
  .topbar { display: none; }
  .nav-wrap { padding: 10px 0; }
  .brand img { height: 60px; }
  .brand-text { display: none; }
  nav.main > .btn-primary { display: none; }
  .section { padding: 48px 0; }
  .page-hero { padding: 36px 0 44px; }
  .page-hero h1 { font-size: 30px; }
  .cta-box { padding: 26px; }
  .sticky-inner { flex-direction: column; align-items: stretch; }
  .sticky-actions { width: 100%; }
  .sticky-btn { flex: 1 1 auto; }
  .prose p, .prose li { font-size: 16px; }
}
@media (min-width: 760px) and (max-width: 1050px) {
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .ratgeber-grid { grid-template-columns: 1fr 1fr; }
  .fact-grid { grid-template-columns: 1fr 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}