/* Bankerstattung.de – Website-Stylesheet (Design angelehnt an Legalano, eigenständig) */
@font-face {
  font-family: "Inter";
  font-style: normal;
  font-weight: 500 800;
  font-display: swap;
  src: url("/assets/fonts/inter-latin.woff2") format("woff2");
}
@font-face {
  font-family: "Nunito Sans";
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url("/assets/fonts/nunito-sans-latin.woff2") format("woff2");
}

:root {
  --brand: #004aad;
  --brand-mid: #004aad;
  --button: #004aad;
  --button-hover: #003a88;
  --brand-dark: #0c2d57;
  --brand-light: #e9f1fd;
  --accent-light: #eef5ff;
  --ink: #101828;
  --muted: #344054;
  --muted-light: #526075;
  --border: #e2e7f0;
  --bg-soft: #eef1f8;
  --bg-softer: #f6f8fc;
  --white: #fff;
  --success: #0f8a5f;
  --warn-bg: #fff7e8;
  --warn: #8a4b00;
  --font-body: "Nunito Sans", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
  --font-display: "Inter", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --shadow: 0 1px 2px rgba(16, 24, 40, .04), 0 12px 32px -14px rgba(16, 24, 40, .18);
  --wrap: 1160px;
  --gutter: clamp(16px, 4vw, 32px);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 88px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--muted);
  background: var(--white);
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand-mid); text-underline-offset: 3px; }
a:hover { color: var(--button-hover); }
h1, h2, h4 { text-wrap: balance; }
h3 { text-wrap: pretty; }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--brand-dark); line-height: 1.18; letter-spacing: -.02em; margin: 0 0 .6em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.25rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 650; }
p { margin: 0 0 1em; text-wrap: pretty; }
.lead, .hero-sub, .cta-banner p, .post-card p, .todo li, .check-list li, .ruling .takeaway, .faq summary, .section-head p, .news-banner p, .footer-brand p, .footer-bottom p, .tldr li, .aside-card li { text-wrap: balance; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
strong { color: var(--ink); }
:focus-visible { outline: 3px solid #7aa7f0; outline-offset: 2px; border-radius: 4px; }
.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 100; background: var(--white); padding: 8px 14px; border-radius: 8px; }
.skip-link:focus { left: 8px; }
.wrap { width: min(100% - 2 * var(--gutter), var(--wrap)); margin-inline: auto; }
.wrap--narrow { width: min(100% - 2 * var(--gutter), var(--wrap)); margin-inline: auto; }
.measure { max-width: 820px; }
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section--soft { background: var(--bg-soft); }
.section--softer { background: var(--bg-softer); }
.section-head { max-width: 720px; margin-bottom: clamp(28px, 4vw, 44px); }
.section-head--center { margin-inline: auto; text-align: center; }
.eyebrow { display: inline-block; font-family: var(--font-display); font-size: .92rem; font-weight: 600; color: var(--brand); margin-bottom: 8px; }
.lead { font-size: 1.15rem; color: var(--muted-light); }
.muted { color: var(--muted-light); }
.small { font-size: .9rem; }

/* Buttons */
.btn {
  white-space: nowrap;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 50px; padding: 12px 26px; border-radius: 10px; border: 1px solid transparent;
  font-family: var(--font-body); font-size: 1rem; font-weight: 700; text-decoration: none; cursor: pointer;
  transition: background .18s ease, transform .18s ease, box-shadow .18s ease;
}
.btn--primary { background: var(--button); color: #fff; box-shadow: none; }
.btn--primary:hover { background: var(--button-hover); color: #fff; transform: translateY(-1px); }
.btn--light { background: #fff; color: var(--brand-dark); }
.btn--light:hover { color: var(--brand); transform: translateY(-1px); }
.btn--ghost { background: transparent; color: var(--brand-mid); border-color: #c8d7f1; }
.btn--ghost:hover { background: var(--accent-light); }
.btn svg { width: 18px; height: 18px; flex: none; }
.text-link { font-weight: 700; text-decoration: none; }
.text-link:hover { text-decoration: underline; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); backdrop-filter: saturate(1.6) blur(8px); border-bottom: 1px solid var(--border); }
.site-header .wrap { display: flex; align-items: center; gap: 24px; min-height: 70px; }
.brand { display: inline-flex; flex: none; }
.brand img { height: 28px; width: auto; }
.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav a { padding: 8px 10px; border-radius: 8px; color: var(--ink); font-size: .95rem; font-weight: 600; text-decoration: none; white-space: nowrap; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--brand); background: var(--accent-light); }
.header-cta { margin-left: 8px; min-height: 44px; padding: 10px 18px; font-size: .95rem; }
.menu-toggle { display: none; margin-left: auto; width: 44px; height: 44px; border: 1px solid var(--border); border-radius: 10px; background: #fff; color: var(--ink); cursor: pointer; }
.menu-toggle svg { width: 22px; height: 22px; margin: auto; }
@media (max-width: 1120px) {
  .menu-toggle { display: grid; place-items: center; }
  .site-header .header-cta { display: none; }
  .nav { display: none; position: absolute; inset: 70px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0; padding: 8px var(--gutter) 18px; background: #fff; border-bottom: 1px solid var(--border); box-shadow: 0 18px 30px -20px rgba(16, 24, 40, .35); }
  .nav.is-open { display: flex; }
  .nav a { padding: 13px 4px; border-bottom: 1px solid var(--border); border-radius: 0; font-size: 1.02rem; }
  .nav a:hover { background: none; }
  .nav .nav-cta { display: flex; margin-top: 14px; border: 0; color: #fff; justify-content: center; border-radius: 10px; }
}
@media (min-width: 1121px) { .nav .nav-cta { display: none; } }

/* Hero */
.hero { background: var(--bg-soft); border-bottom: 1px solid var(--border); padding: clamp(40px, 7vw, 84px) 0; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: clamp(28px, 5vw, 64px); align-items: stretch; }
.hero-copy { display: flex; flex-direction: column; justify-content: center; }
.hero-copy > :last-child { margin-bottom: 0; }
.hero h1 { color: var(--ink); font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-bottom: 18px; }
.hero h1 span { color: inherit; }
.hero-sub { font-size: 1.15rem; color: var(--muted-light); max-width: 560px; }
.check-list { list-style: none; padding: 0; margin: 22px 0 30px; display: grid; gap: 12px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; color: var(--muted); font-size: 1.05rem; }
.check-list li::before {
  content: ""; flex: none; width: 22px; height: 22px; margin-top: 2px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='m7 12.4 3.2 3.2L17 8.8' stroke='%23004aad' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 18px no-repeat;
}
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 22px; }
.hero-note { display: flex; align-items: center; gap: 8px; font-size: .9rem; color: var(--muted-light); }
.hero-note svg { width: 16px; height: 16px; }
.hero-media { position: relative; min-height: 100%; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 30%; border-radius: var(--radius-lg); }
.hero-badge { position: absolute; padding: 10px 14px; border-radius: 10px; background: #fff; border: 1px solid var(--border); font-size: .88rem; font-weight: 700; color: var(--brand-dark); line-height: 1.3; }
.hero-badge small { display: block; font-weight: 600; color: var(--muted-light); }
.hero-badge--top { top: 16px; left: 16px; }
.hero-badge--bottom { right: 16px; bottom: 16px; }

.hero-badge .ico svg { width: 18px; height: 18px; }
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-media img { height: auto; aspect-ratio: 4 / 3; object-position: 50% 25%; }
  .hero-badge { font-size: .8rem; padding: 8px 11px; }
  .hero-badge--top { top: 12px; left: 12px; }
  .hero-badge--bottom { right: 12px; bottom: 12px; }
}

/* Answer box (GEO) */
.answer-box { padding: clamp(22px, 3vw, 32px); border: 1px solid var(--border); border-left: 4px solid var(--brand-dark); border-radius: var(--radius-md); background: #fff; }


.answer-box h2 { font-size: 1.3rem; margin-bottom: 8px; }
.answer-box p:last-child { margin-bottom: 0; }


.news-banner { display: grid; gap: 6px; padding: 22px 26px; border: 1px solid var(--border); border-left: 4px solid var(--brand-dark); border-radius: var(--radius-md); background: #fff; color: var(--muted); }
.news-banner .label { font-size: .88rem; font-weight: 600; color: var(--muted-light); }
.news-banner h2 { font-size: 1.2rem; margin: 0; }
.news-banner p { margin: 0; }
.news-banner a { font-weight: 700; color: var(--brand); }



/* Cards */
.card-grid { display: grid; gap: 20px; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card-grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card-grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 980px) { .card-grid, .card-grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .card-grid, .card-grid--2, .card-grid--4 { grid-template-columns: 1fr; } }
.card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 26px 24px; box-shadow: 0 1px 2px rgba(16, 24, 40, .04); }
.card h3 { margin-bottom: 8px; }
.card p:last-child { margin-bottom: 0; }
.card .ico { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--brand-light); color: var(--brand); margin-bottom: 16px; }
.card .ico svg { width: 24px; height: 24px; }

.card-foot { margin-top: auto; padding-top: 14px; display: flex; flex-direction: column; align-items: flex-start; gap: 10px; }



.card-link { display: inline-block; font-weight: 700; text-decoration: none; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; counter-reset: step; }
@media (max-width: 980px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .steps { grid-template-columns: 1fr; } }
.step { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px 22px 24px; text-align: center; }
.step .ico { width: 58px; height: 58px; margin: 0 auto 14px; border-radius: 50%; display: grid; place-items: center; background: var(--brand-light); color: var(--brand); }
.step .ico svg { width: 26px; height: 26px; }

.step-num { display: block; font-family: var(--font-display); font-size: .8rem; font-weight: 700; letter-spacing: .02em; color: var(--muted-light); margin-bottom: 6px; }
.step h3 { font-size: 1.08rem; }
.step { display: flex; flex-direction: column; }
.step p { font-size: .96rem; margin: 0; }
.center-actions .hero-note { justify-content: center; text-align: center; flex-wrap: wrap; }
.link-row { display: flex; flex-wrap: wrap; gap: 10px 28px; margin-top: 26px; }
.center-actions { display: flex; flex-direction: column; align-items: center; gap: 10px; margin-top: 34px; text-align: center; }

/* Split */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 64px); align-items: stretch; }
.split > * > :last-child { margin-bottom: 0; }
.split-media { position: relative; min-height: 320px; }
.split-media img { position: absolute; inset: 0; width: 100%; height: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow); object-fit: cover; }
@media (max-width: 880px) { .split { grid-template-columns: 1fr; } .split-media { min-height: 0; } .split-media img { position: static; height: auto; aspect-ratio: 3 / 2; } .split--reverse-mobile .split-media { order: -1; } }
.feature-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; border-top: 1px solid var(--border); }
.feature-list li { padding: 16px 0; border-bottom: 1px solid var(--border); }


.feature-list h3 { font-size: 1.04rem; margin-bottom: 4px; }
.feature-list p { margin: 0; font-size: .98rem; }

/* Checklist box */
.todo { counter-reset: todo; list-style: none; padding: 0; margin: 0; display: grid; gap: 0; border-top: 1px solid var(--border); }
.todo li { counter-increment: todo; position: relative; padding: 14px 0 14px 46px; border-bottom: 1px solid var(--border); }
.todo li::before { content: counter(todo); position: absolute; left: 0; top: 14px; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; border: 1.5px solid var(--brand-dark); color: var(--brand-dark); font-family: var(--font-display); font-weight: 700; font-size: .85rem; }
.todo strong { display: block; margin-bottom: 1px; }

/* Ruling cards */
.ruling-list { display: grid; gap: 18px; }
.ruling { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px clamp(20px, 3vw, 30px); }
.ruling-meta { display: flex; flex-wrap: wrap; gap: 8px 14px; align-items: center; margin-bottom: 8px; font-size: .9rem; color: var(--muted-light); }
.ruling-court { font-family: var(--font-display); font-weight: 700; color: var(--brand-dark); }
.verdict { padding: 3px 10px; border-radius: 999px; font-size: .78rem; font-weight: 800; }
.verdict--pro { background: #e6f6ef; color: var(--success); }
.verdict--mixed { background: var(--warn-bg); color: var(--warn); }
.verdict--contra { background: #fdecec; color: #a12727; }
.ruling h3 { margin-bottom: 8px; }
.ruling .takeaway { margin: 14px 0 0; padding: 12px 14px; border-radius: 10px; background: var(--bg-softer); font-size: .97rem; }
.ruling .source { margin: 12px 0 0; font-size: .86rem; color: var(--muted-light); }

/* FAQ */
.faq { border: 1px solid var(--border); border-radius: var(--radius-lg); background: #fff; overflow: hidden; }
.faq details { border-bottom: 1px solid var(--border); }
.faq details:last-child { border-bottom: 0; }
.faq summary { display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 18px 22px; cursor: pointer; list-style: none; font-family: var(--font-display); font-weight: 600; color: var(--brand-dark); font-size: 1.02rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; flex: none; width: 20px; height: 20px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M12 5v14M5 12h14' stroke='%231a64d6' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center / 20px no-repeat; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .faq-body { padding: 0 22px 20px; }
.faq .faq-body p:last-child { margin-bottom: 0; }

/* CTA banner */
.cta-banner { border-radius: var(--radius-lg); padding: clamp(36px, 6vw, 60px) clamp(22px, 5vw, 56px); text-align: center; color: #d6e2f5; background: var(--brand-dark); }
.cta-banner h2 { color: #fff; }
.cta-banner p { max-width: 620px; margin: 0 auto 24px; }

/* Blog */
.post-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
@media (max-width: 980px) { .post-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .post-grid { grid-template-columns: 1fr; } }
.post-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; text-decoration: none; color: inherit; transition: transform .18s, box-shadow .18s; }
.post-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); color: inherit; }
.post-card img { aspect-ratio: 3 / 2; object-fit: cover; width: 100%; }
.post-card .body { padding: 20px 22px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.post-card h3 { font-size: 1.12rem; margin: 0; }
.post-card p { margin: 0; font-size: .96rem; }
.post-card .meta { font-size: .84rem; color: var(--muted-light); margin-top: auto; padding-top: 6px; }

/* Article */
.page-hero { background: var(--bg-soft); border-bottom: 1px solid var(--border); padding: clamp(34px, 6vw, 64px) 0 clamp(30px, 5vw, 52px); }
.page-hero h1 { font-size: clamp(1.9rem, 4vw, 2.9rem); margin-bottom: 14px; }
.breadcrumbs { font-size: .88rem; color: var(--muted-light); margin-bottom: 14px; }
.breadcrumbs ol { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumbs li:not(:last-child)::after { content: "›"; margin-left: 6px; color: #9aa6b8; }
.breadcrumbs a { color: var(--muted-light); text-decoration: none; }
.breadcrumbs a:hover { color: var(--brand); }
.article-meta { display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: .9rem; color: var(--muted-light); }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: clamp(28px, 5vw, 56px); align-items: start; }
@media (max-width: 980px) { .article-layout { grid-template-columns: 1fr; } }
.prose { font-size: 1.07rem; min-width: 0; }
.prose h2 { font-size: clamp(1.4rem, 2.5vw, 1.8rem); margin-top: 1.9em; }
.prose h3 { margin-top: 1.5em; }
.prose img { border-radius: var(--radius-lg); margin: 4px 0 26px; width: 100%; aspect-ratio: 3 / 2; object-fit: cover; }
.prose li { margin-bottom: .45em; }
.prose blockquote { margin: 1.5em 0; padding: 14px 20px; border-left: 4px solid var(--brand-mid); background: var(--bg-softer); border-radius: 0 10px 10px 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.2em 0 1.6em; font-size: .96rem; display: block; overflow-x: auto; }
.prose th, .prose td { padding: 10px 12px; border: 1px solid var(--border); text-align: left; vertical-align: top; }
.prose th { background: var(--bg-softer); color: var(--ink); font-family: var(--font-display); font-weight: 600; }
.tldr { padding: 20px 22px; border-radius: var(--radius-md); background: var(--accent-light); border: 1px solid #cddcf6; margin-bottom: 28px; }
.tldr h2 { font-size: 1.1rem; margin: 0 0 10px; }
.tldr ul { margin: 0; }
.toc { padding: 18px 20px; border: 1px solid var(--border); border-radius: var(--radius-md); background: #fff; margin-bottom: 28px; font-size: .97rem; }
.toc strong { display: block; margin-bottom: 8px; font-family: var(--font-display); color: var(--brand-dark); }
.toc ol { margin: 0; }
.article-layout > aside { position: sticky; top: 96px; }
.aside-card { padding: 24px 22px; border-radius: var(--radius-lg); background: var(--brand-dark); color: #dbe6f8; }
.aside-card h2 { color: #fff; font-size: 1.25rem; }
.aside-card ul { padding-left: 1.1em; font-size: .95rem; }
.aside-card .btn { width: 100%; }
.aside-card + .aside-links { margin-top: 18px; }
.aside-links { padding: 18px 20px; border: 1px solid var(--border); border-radius: var(--radius-md); font-size: .95rem; }
.aside-links strong { display: block; margin-bottom: 6px; }
.aside-links ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.note { padding: 14px 16px; border-radius: 10px; background: var(--warn-bg); color: #5b3a00; font-size: .95rem; }
.sources { font-size: .92rem; }
.sources li { overflow-wrap: anywhere; }
.author-box { display: flex; gap: 16px; align-items: flex-start; margin-top: 36px; padding: 20px; border-radius: var(--radius-md); background: var(--bg-softer); border: 1px solid var(--border); font-size: .95rem; }
.author-box img { width: 54px; height: 54px; border-radius: 50%; background: #fff; padding: 8px; border: 1px solid var(--border); flex: none; }

/* Legal pages */
.legal h2 { font-size: 1.3rem; margin-top: 1.8em; }
.legal address { font-style: normal; }

/* Footer */
.site-footer { background: #0b1f3d; color: #b8c6dc; padding: 56px 0 28px; font-size: .95rem; }
.site-footer a { color: #dbe5f5; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 32px; }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-grid h2 { font-size: .95rem; color: #fff; margin-bottom: 12px; letter-spacing: 0; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-brand img { height: 32px; width: auto; margin-bottom: 14px; }
.footer-bottom { margin-top: 40px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .85rem; color: #93a3bd; }
.footer-bottom p { margin: 0 0 6px; }

/* Mobile sticky CTA */
.sticky-cta { position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 60; display: none; }
.sticky-cta .btn { width: 100%; box-shadow: 0 12px 30px -10px rgba(12, 45, 87, .55); }
@media (max-width: 760px) {
  .sticky-cta { display: block; transform: translateY(140%); transition: transform .25s ease; }
  .sticky-cta.is-visible { transform: none; }
  body.has-sticky-cta { padding-bottom: 76px; }
}

/* Reveal */
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translate3d(0, 26px, 0); transition: opacity .7s cubic-bezier(.22, 1, .36, 1), transform .7s cubic-bezier(.22, 1, .36, 1); }
  .reveal.is-visible { opacity: 1; transform: none; }
}
.no-js .reveal { opacity: 1; transform: none; }

.notfound { text-align: center; padding: 100px 0; }

/* Kein doppelter Leerraum, wenn das Abschluss-Banner auf einen weißen Abschnitt folgt */
.section:not(.section--soft):not(.section--softer) + .section--cta,
article + .section--cta { padding-top: 0; }

/* Banken-Übersicht */
.bank-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 980px) { .bank-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (max-width: 680px) { .bank-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 680px) { .bank-link { padding: 12px 14px; } .bank-link span { display: none; } }
@media (max-width: 330px) { .bank-grid { grid-template-columns: 1fr; } }
.bank-link { display: flex; flex-direction: column; gap: 2px; padding: 14px 16px; border: 1px solid var(--border); border-radius: var(--radius-sm); background: #fff; text-decoration: none; color: var(--muted); transition: border-color .15s; }
.bank-link strong { font-family: var(--font-display); color: var(--brand-dark); font-weight: 600; }
.bank-link span { font-size: .88rem; color: var(--muted-light); }
.bank-link:hover { border-color: var(--brand); color: var(--muted); }
.news-banner + * { margin-top: 0; }

/* Karten: mehr Text pro Zeile */
.card { padding: 22px 22px; }
.card p { font-size: 1rem; line-height: 1.6; }
.step p { font-size: .96rem; margin: 0; text-wrap: balance; }
.nav { gap: 0; }
.site-header .wrap { gap: 18px; }

.center-actions .hero-note { display: block; }
.center-actions .hero-note svg { display: inline-block; vertical-align: -3px; margin-right: 6px; }

/* Transparenz-Bausteine */
.panel { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(22px, 3vw, 32px); }
.panel h2 { font-size: clamp(1.4rem, 2.4vw, 1.75rem); }
.panel > :last-child { margin-bottom: 0; }
.plain-list { list-style: none; padding: 0; margin: 0 0 1em; display: grid; gap: 10px; }
.plain-list li { position: relative; padding-left: 26px; }
.plain-list li::before { content: ""; position: absolute; left: 0; top: .5em; width: 14px; height: 8px; border-left: 2px solid var(--brand-dark); border-bottom: 2px solid var(--brand-dark); transform: rotate(-45deg); }
.card .plain-list { margin: 0; }
.cost-example, .facts { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(22px, 3vw, 32px); }
.cost-example table { width: 100%; border-collapse: collapse; margin: 6px 0 18px; font-size: 1rem; }
.cost-example th, .cost-example td { padding: 12px 0; border-bottom: 1px solid var(--border); text-align: left; font-weight: 400; color: var(--muted); }
.cost-example td { padding-left: 16px; text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; color: var(--ink); }
.cost-example tr.total th, .cost-example tr.total td { font-weight: 700; color: var(--ink); border-bottom: 2px solid var(--brand-dark); }
.cost-example .small { margin-top: auto; margin-bottom: 0; }
.facts dl { display: grid; gap: 18px; margin: 8px 0 20px; }
.facts dl > div { display: grid; grid-template-columns: 72px 1fr; gap: 14px; align-items: baseline; padding-bottom: 16px; border-bottom: 1px solid var(--border); }
.facts dt { font-family: var(--font-display); font-size: 2.2rem; font-weight: 700; color: var(--brand-dark); line-height: 1; }
.facts dd { margin: 0; }
.facts .small { margin-top: auto; margin-bottom: 0; }
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius-lg); background: #fff; }
.timeline-table { width: 100%; border-collapse: collapse; font-size: 1rem; }
.timeline-table th, .timeline-table td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--border); vertical-align: top; }
.timeline-table thead th { font-family: var(--font-display); font-weight: 600; color: var(--ink); background: var(--bg-softer); }
.timeline-table tr:last-child td { border-bottom: 0; }
.timeline-table td:first-child { font-weight: 700; color: var(--ink); }
@media (max-width: 640px) {
  .timeline-table thead { display: none; }
  .timeline-table tr { display: grid; padding: 12px 16px; border-bottom: 1px solid var(--border); }
  .timeline-table tr:last-child { border-bottom: 0; }
  .timeline-table td { padding: 2px 0; border: 0; }
}
.template-box { margin-top: 18px; border: 1px solid var(--border); border-radius: var(--radius-md); padding: 14px 18px; background: var(--bg-softer); }
.template-box summary { cursor: pointer; font-weight: 700; color: var(--brand-dark); }
.template-box p { margin: 12px 0 0; }
.panel .todo { margin-bottom: 0; }

/* Urteils-Steckbrief */
.prose table.case-facts { display: table; width: 100%; margin: 0 0 24px; }
.prose table.case-facts th { width: 34%; font-family: var(--font-body); font-weight: 600; color: var(--muted-light); background: var(--bg-softer); }

/* Briefvorlagen */
.letter { margin: 18px 0 28px; border: 1px solid var(--border); border-radius: var(--radius-md); background: #fff; overflow: hidden; }
.letter figcaption { padding: 10px 18px; background: var(--bg-softer); border-bottom: 1px solid var(--border); font-family: var(--font-display); font-weight: 600; color: var(--brand-dark); font-size: .95rem; }
.letter-body { padding: 18px 20px; font-size: 1rem; }
.letter-body p:last-child { margin-bottom: 0; }

/* Hervorgehobener neuester Beitrag */
@media (min-width: 981px) {
  .post-card--featured { grid-column: 1 / -1; display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); }
  .post-card--featured img { height: 100%; aspect-ratio: auto; }
  .post-card--featured .body { padding: 28px 30px; justify-content: center; }
  .post-card--featured h2 { font-size: 1.5rem !important; }
}