/* Financial Literacy Classes – Farbwelt & Schrift nach TauRes-CI */
@font-face{font-family:"Palanquin";font-weight:400;font-style:normal;font-display:swap;src:url("fonts/palanquin-latin-400-normal.woff2") format("woff2")}
@font-face{font-family:"Palanquin";font-weight:500;font-style:normal;font-display:swap;src:url("fonts/palanquin-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Palanquin";font-weight:600;font-style:normal;font-display:swap;src:url("fonts/palanquin-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Palanquin";font-weight:700;font-style:normal;font-display:swap;src:url("fonts/palanquin-latin-700-normal.woff2") format("woff2")}

:root{
  --navy:#003572;
  --navy-deep:#00284f;
  --blue:#4C719C;
  --blue-2:#99AEC6;
  --blue-3:#B2C2D4;
  --blue-4:#CCD6DF;
  --gold:#DDAE36;
  --gold-dark:#b88a17;
  --grey:#757575;
  --light:#EEEEEE;
  --paper:#F6F8FB;
  --ink:#16243a;
  --radius:14px;
  --max:1180px;
  --shadow:0 10px 30px -12px rgba(0,40,79,.25);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:"Palanquin",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:18px;line-height:1.6;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;color:var(--navy);font-weight:700}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem);letter-spacing:-.01em}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.section--paper{background:var(--paper)}
.section--navy{background:var(--navy);color:#fff}
.section--navy h2,.section--navy h3{color:#fff}

/* Eyebrow mit Goldstrich wie in der Präsentation */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:.85rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:14px}
.eyebrow::before{content:"";width:28px;height:3px;background:var(--gold);border-radius:2px}
.section--navy .eyebrow{color:var(--gold)}
.titlebar{border-left:5px solid var(--gold);padding-left:20px}
.lead{font-size:1.2rem;color:#3b4a60;max-width:720px}
.section--navy .lead{color:var(--blue-4)}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 26px;border-radius:999px;font:inherit;font-weight:700;font-size:1rem;text-decoration:none;cursor:pointer;border:2px solid transparent;transition:transform .15s ease,background .15s ease,color .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn--gold{background:var(--gold);color:var(--navy-deep)}
.btn--gold:hover{background:#e8bd4b}
.btn--ghost{border-color:currentColor;color:var(--navy);background:transparent}
.btn--ghost-light{border-color:rgba(255,255,255,.7);color:#fff}
.btn--ghost-light:hover{background:rgba(255,255,255,.1)}
.btn:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* Header */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid #e6ebf2}
.header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--navy)}
.brand__mark{width:38px;height:38px;border-radius:10px;background:var(--navy);display:grid;place-items:center;color:var(--gold);font-weight:700;font-size:1rem;letter-spacing:.02em}
.brand__text{font-weight:700;line-height:1.05;font-size:1.02rem;letter-spacing:.04em;text-transform:uppercase}
.brand__text small{display:block;font-weight:500;font-size:.72rem;letter-spacing:.06em;color:var(--grey);text-transform:none}
.nav{display:flex;align-items:center;gap:28px}
.nav a{text-decoration:none;font-weight:600;font-size:.98rem;color:var(--ink)}
.nav a:hover{color:var(--navy)}
.nav .btn{padding:10px 20px;color:var(--navy-deep)}
.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}

/* Hero */
.hero{position:relative;color:#fff;min-height:min(88vh,760px);display:flex;align-items:flex-end;overflow:hidden;background:var(--navy-deep)}
.hero__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:30% 40%}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,40,79,.92) 0%,rgba(0,40,79,.72) 42%,rgba(0,40,79,.1) 75%),linear-gradient(0deg,rgba(0,40,79,.55),transparent 45%)}
.hero .wrap{position:relative;z-index:1;padding-top:120px;padding-bottom:88px;width:100%}
.hero__content{max-width:640px;border-left:5px solid var(--gold);padding-left:28px}
.hero h1{color:#fff;margin-bottom:.35em}
.hero h1 span{color:var(--gold)}
.hero p{font-size:1.22rem;color:#e3eaf3;max-width:560px}
.hero__ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.hero__badges{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:34px;font-size:.95rem;color:#cdd8e6;list-style:none;padding:0}
.hero__badges li{display:flex;align-items:center;gap:8px}
.hero__badges svg{color:var(--gold);flex:none}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:48px}
.stat{padding:32px 30px;border-radius:var(--radius);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
.stat__num{font-size:clamp(2.6rem,5vw,3.6rem);font-weight:700;line-height:1;color:var(--gold);margin-bottom:14px}
.stat p{margin:0;color:#dbe4ef}
.source-note{margin-top:22px;font-size:.8rem;color:var(--blue-2)}

/* Problem */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.problem-flow{display:grid;gap:16px;margin-top:28px}
.pcard{padding:22px 24px;border-radius:var(--radius);background:#fff;border:1px solid #e3e9f1;box-shadow:var(--shadow)}
.pcard h3{margin-bottom:.3em}
.pcard p{margin:0;color:#4a5870}
.pcard--result{background:var(--navy);border-color:var(--navy)}
.pcard--result h3{color:var(--gold)}
.pcard--result p{color:var(--blue-4)}
.arrow{display:flex;align-items:center;gap:10px;color:var(--grey);font-style:italic;font-size:.95rem;padding-left:24px}
.arrow svg{color:var(--gold)}
.photo-frame{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.photo-frame::after{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:var(--gold)}
.photo-frame img{width:100%;height:100%;object-fit:cover}
.quote-school{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:28px}
.quote-school div{padding:20px;border-radius:var(--radius);font-weight:700;color:var(--navy);line-height:1.3}
.quote-school div:first-child{background:var(--light)}
.quote-school div:last-child{background:#fbf3dd;color:var(--gold-dark)}

/* Konzept */
.concept{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.checklist{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:14px}
.checklist li{display:flex;gap:14px;align-items:flex-start}
.checklist .ic{flex:none;width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-top:2px}
.goal{margin-top:30px;padding:26px 28px;border-radius:var(--radius);background:var(--navy);color:#fff}
.goal strong{color:var(--gold)}
.gallery{display:grid;grid-template-columns:1.1fr 1fr;grid-template-rows:1fr 1fr;gap:12px;padding:12px;border-radius:22px;background:var(--gold)}
.gallery img{width:100%;height:100%;object-fit:cover;border-radius:12px}
.gallery img:first-child{grid-row:span 2}
.testimonial{margin-top:20px;padding:26px 28px;border-radius:var(--radius);background:#fbf3dd;position:relative}
.testimonial blockquote{margin:0 0 10px;font-style:italic;font-size:1.05rem;color:var(--navy-deep)}
.testimonial cite{font-style:normal;font-size:.9rem;color:var(--gold-dark);font-weight:600}

/* Benefits */
.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
.benefit{padding:30px 28px;border-radius:var(--radius);background:#fff;border:1px solid #e3e9f1;transition:box-shadow .2s ease,transform .2s ease}
.benefit:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.benefit .ic{width:52px;height:52px;border-radius:14px;background:var(--blue-4);color:var(--navy);display:grid;place-items:center;margin-bottom:18px}
.benefit p{margin:0;color:#4a5870}

/* Themen */
.topics-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:44px}
.topic{border-radius:var(--radius);background:#fff;border:1px solid #e3e9f1;overflow:hidden}
.topic summary{list-style:none;cursor:pointer;padding:24px 26px;display:flex;gap:18px;align-items:center}
.topic summary::-webkit-details-marker{display:none}
.topic .num{flex:none;width:46px;height:46px;border-radius:12px;background:var(--navy);color:var(--gold);font-weight:700;display:grid;place-items:center;font-size:1.05rem}
.topic h3{margin:0;font-size:1.15rem}
.topic .chev{margin-left:auto;color:var(--blue);transition:transform .2s ease;flex:none}
.topic[open] .chev{transform:rotate(180deg)}
.topic ul{margin:0;padding:0 26px 24px 90px;color:#3b4a60}
.topic li{margin-bottom:6px}
.more-topics{display:grid;grid-template-columns:1.2fr 1fr;gap:24px;margin-top:24px}
.panel{padding:30px;border-radius:var(--radius)}
.panel--navy{background:var(--navy);color:#fff}
.panel--navy h3{color:#fff}
.panel--light{background:#fff;border:1px solid #e3e9f1}
.panel ul{margin:0;padding-left:20px}
.panel li{margin-bottom:6px}
.panel--navy li::marker{color:var(--gold)}
.panel .note{margin-top:16px;font-weight:700;color:var(--gold)}
.panel--light .note{color:var(--gold-dark)}
.tag{display:inline-block;padding:3px 10px;border-radius:999px;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--gold);color:var(--navy-deep);margin-bottom:12px}
.columns-2{columns:2;column-gap:32px}
.columns-2 li{break-inside:avoid}

/* Ablauf */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:48px;counter-reset:step}
.step{position:relative;padding:28px 24px;border-radius:var(--radius);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14)}
.step::before{counter-increment:step;content:"0" counter(step);display:block;font-size:2.2rem;font-weight:700;color:var(--gold);line-height:1;margin-bottom:14px}
.step p{margin:0;color:#dbe4ef;font-size:.98rem}

/* Partner */
.partner{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:center}
.partner__logo{width:200px;margin-bottom:22px}
.pillars{display:grid;gap:18px;margin-top:10px}
.pillar{display:flex;gap:18px;align-items:flex-start;padding:22px 24px;border-radius:var(--radius);background:#fff;border:1px solid #e3e9f1}
.pillar .ic{flex:none;width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center}
.pillar:nth-child(3) .ic{background:var(--gold);color:var(--navy-deep)}
.pillar h3{margin:0 0 4px;font-size:1.1rem}
.pillar p{margin:0;color:#4a5870;font-size:.98rem}
.compass{border-radius:50%;width:min(420px,100%);height:auto;aspect-ratio:1;object-fit:cover;margin:0 auto;box-shadow:0 0 0 10px #fff,0 0 0 12px var(--blue-4),var(--shadow)}

/* Zitat */
.bigquote{text-align:center;max-width:860px;margin:0 auto}
.bigquote .mark{font-size:5rem;line-height:.6;color:var(--gold);font-weight:700;display:block;margin-bottom:12px}
.bigquote blockquote{margin:0;font-size:clamp(1.3rem,2.4vw,1.75rem);line-height:1.45;color:#fff}
.bigquote cite{display:block;margin-top:18px;color:var(--gold);font-style:normal;font-weight:600}

/* FAQ */
.faq{max-width:860px;margin:44px auto 0;display:grid;gap:12px}
.faq details{border-radius:12px;background:#fff;border:1px solid #e3e9f1}
.faq summary{cursor:pointer;list-style:none;padding:20px 24px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-dark);font-size:1.4rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 24px 20px;margin:0;color:#3b4a60}

/* Kontakt */
.contact{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.contact-card{background:#fff;color:var(--ink);border-radius:20px;padding:36px;box-shadow:0 30px 60px -20px rgba(0,0,0,.4)}
.contact-card h3{margin-bottom:.4em;color:var(--navy)}
.contact-card ul{padding-left:20px;margin:0 0 24px;color:#3b4a60}
.contact-card .btn{width:100%;justify-content:center}
.contact-card .small{font-size:.85rem;color:var(--grey);margin:14px 0 0;text-align:center}

/* Footer */
.footer{background:var(--navy-deep);color:var(--blue-3);padding:48px 0 36px;font-size:.95rem}
.footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px}
.footer a{color:#fff;text-decoration:none;margin-left:22px}
.footer a:hover{color:var(--gold)}
.footer__partner{display:flex;align-items:center;gap:14px}
.footer__partner img{width:110px}

/* Rechtsseiten */
.legal{max-width:820px;margin:0 auto;padding:72px 24px 96px}
.legal h1{font-size:2.4rem}
.legal h2{font-size:1.4rem;margin-top:1.8em}
.legal .todo{background:#fbf3dd;border-left:4px solid var(--gold);padding:14px 18px;border-radius:8px;margin:18px 0}

/* Reveal-Animation */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.is-visible{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* Responsive */
@media (max-width:980px){
  .split,.concept,.partner,.contact{grid-template-columns:1fr;gap:40px}
  .benefits{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .more-topics{grid-template-columns:1fr}
  .split .photo-frame{max-height:420px}
  .partner__visual{order:-1}
}
@media (max-width:820px){
  .menu-toggle{display:block}
  .nav{position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid #e6ebf2;padding:8px 24px 20px;display:none}
  .nav.open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid #eef2f7}
  .nav .btn{margin-top:14px;justify-content:center;border-bottom:0}
}
@media (max-width:680px){
  body{font-size:17px}
  .section{padding:68px 0}
  .stats,.benefits,.steps,.topics-grid{grid-template-columns:1fr}
  .quote-school{grid-template-columns:1fr}
  .hero{min-height:auto}
  .hero::after{background:linear-gradient(0deg,rgba(0,40,79,.95) 30%,rgba(0,40,79,.55) 100%)}
  .hero .wrap{padding-top:200px;padding-bottom:56px}
  .hero__content{padding-left:20px}
  .topic ul{padding:0 22px 22px 40px}
  .brand__text small{display:none}
  .brand__text{font-size:.9rem}
  .columns-2{columns:1}
  .gallery{grid-template-columns:1fr 1fr;grid-template-rows:auto auto}
  .gallery img:first-child{grid-row:auto;grid-column:span 2;max-height:260px}
  .footer a{margin:0 18px 0 0}
  .contact-card{padding:28px 22px}
}