/* ---------- Design Tokens ---------- */
:root {
  --allianz-blue: #003781;
  --allianz-blue-dark: #002a63;
  --allianz-blue-light: #1c5fb0;
  --allianz-blue-50: #e8eef7;
  --accent: #009fe3;
  --text: #1a1a1a;
  --text-muted: #4a5668;
  --muted-bg: #f5f6f8;
  --border: #dce1ea;
  --white: #ffffff;
  --critical: #c4382d;
  --shadow-sm: 0 2px 6px rgba(0, 55, 129, 0.06);
  --shadow-md: 0 8px 24px rgba(0, 55, 129, 0.10);
  --shadow-lg: 0 18px 40px rgba(0, 55, 129, 0.12);
  --radius: 12px;
  --radius-lg: 18px;
  --container: 1180px;
  --container-narrow: 860px;
  --transition: 180ms ease;
}

/* ---------- Reset / Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Source Sans 3", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: var(--allianz-blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--allianz-blue-dark); text-decoration: underline; }
h1, h2, h3 { font-weight: 700; line-height: 1.2; color: var(--allianz-blue); margin: 0 0 0.6em; }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 900; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -0.005em; }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
ul { padding: 0; margin: 0; list-style: none; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: var(--container-narrow); }
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: -9999px; top: 8px;
  background: var(--allianz-blue); color: #fff;
  padding: 10px 16px; border-radius: 8px; z-index: 1000;
}
.skip-link:focus { left: 8px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 26px; border-radius: 999px;
  font-weight: 700; font-size: 1rem;
  border: 2px solid transparent;
  cursor: pointer; text-decoration: none;
  transition: transform var(--transition), background var(--transition), color var(--transition), border-color var(--transition), box-shadow var(--transition);
  white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary {
  background: var(--allianz-blue); color: #fff;
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover { background: var(--allianz-blue-dark); color: #fff; box-shadow: var(--shadow-md); }
.btn-outline {
  background: transparent; color: var(--allianz-blue);
  border-color: var(--allianz-blue);
}
.btn-outline:hover { background: var(--allianz-blue); color: #fff; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 72px; gap: 20px;
}
.brand { display: flex; align-items: center; gap: 12px; color: var(--text); }
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  background: linear-gradient(135deg, var(--allianz-blue), var(--allianz-blue-light));
  position: relative; flex: none;
  box-shadow: var(--shadow-sm);
}
.brand-mark::after {
  content: ""; position: absolute; inset: 8px;
  border-radius: 4px;
  background: repeating-linear-gradient(
    90deg,
    #fff 0 3px,
    transparent 3px 6px
  );
  opacity: 0.85;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-text strong { font-size: 1.05rem; color: var(--allianz-blue); }
.brand-sub { font-size: 0.78rem; color: var(--text-muted); }

.main-nav ul {
  display: flex; gap: 8px; align-items: center;
}
.main-nav a {
  padding: 10px 14px; border-radius: 8px;
  color: var(--text); font-weight: 600;
  font-size: 0.95rem;
}
.main-nav a:hover { background: var(--allianz-blue-50); color: var(--allianz-blue); text-decoration: none; }
.main-nav .nav-cta {
  background: var(--allianz-blue); color: #fff;
  padding: 10px 18px; border-radius: 999px;
}
.main-nav .nav-cta:hover { background: var(--allianz-blue-dark); color: #fff; }

.nav-toggle {
  display: none;
  background: transparent; border: 0; padding: 10px;
  cursor: pointer;
}
.burger, .burger::before, .burger::after {
  display: block; width: 24px; height: 2px;
  background: var(--allianz-blue); border-radius: 2px;
  transition: transform var(--transition);
}
.burger { position: relative; }
.burger::before, .burger::after { content: ""; position: absolute; left: 0; }
.burger::before { top: -7px; }
.burger::after { top: 7px; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1200px 600px at 90% -10%, rgba(0,159,227,0.18), transparent 60%),
    radial-gradient(900px 500px at -10% 110%, rgba(28,95,176,0.18), transparent 60%),
    linear-gradient(180deg, #f4f7fc, #ffffff 60%);
  padding: 80px 0 100px;
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(to right, rgba(0,55,129,0.04) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(0,55,129,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse at center, #000 20%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.25fr 0.85fr;
  gap: 64px;
  align-items: center;
}
.eyebrow {
  display: inline-block;
  font-size: 0.82rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--allianz-blue-light);
  background: var(--allianz-blue-50);
  padding: 6px 12px; border-radius: 999px;
  margin-bottom: 20px;
}
.hero-accent {
  display: block; color: var(--accent);
  margin-top: 6px;
}
.lede { font-size: 1.15rem; color: var(--text-muted); max-width: 56ch; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin: 28px 0 36px; }
.hero-trust {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 18px; max-width: 560px;
  border-top: 1px solid var(--border);
  padding-top: 24px;
}
.hero-trust li { display: flex; flex-direction: column; }
.hero-trust strong { color: var(--allianz-blue); font-size: 1.25rem; font-weight: 800; }
.hero-trust span { color: var(--text-muted); font-size: 0.9rem; }

.hero-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border-top: 4px solid var(--allianz-blue);
}
.hero-card h2 { font-size: 1.35rem; margin-bottom: 10px; }
.hero-card p { color: var(--text-muted); }
.checklist {
  display: flex; flex-direction: column; gap: 8px;
  margin: 18px 0 22px;
}
.checklist li {
  position: relative; padding-left: 28px;
  color: var(--text);
}
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 7px;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--allianz-blue-50) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23003781' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>") center/12px no-repeat;
}
.checklist.light li { color: #fff; }
.checklist.light li::before {
  background: rgba(255,255,255,0.2) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>") center/12px no-repeat;
}

/* ---------- Sections ---------- */
.section { padding: 90px 0; }
.section-muted { background: var(--muted-bg); }
.section-dark {
  background: linear-gradient(180deg, var(--allianz-blue) 0%, var(--allianz-blue-dark) 100%);
  color: #fff;
}
.section-dark h2, .section-dark h3 { color: #fff; }
.section-eyebrow {
  display: inline-block; font-size: 0.82rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--allianz-blue-light);
  margin-bottom: 12px;
}
.section-eyebrow.light { color: #9ec4f2; }
.section-lede { font-size: 1.1rem; color: var(--text-muted); max-width: 70ch; margin-bottom: 40px; }
.section-lede.light { color: rgba(255,255,255,0.85); }

/* ---------- Card Grids ---------- */
.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--allianz-blue-50);
}
.card-icon {
  font-size: 1.6rem; width: 48px; height: 48px;
  border-radius: 12px; background: var(--allianz-blue-50);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}

.grid-2 {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.panel {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px;
  border-left: 4px solid var(--allianz-blue);
  box-shadow: var(--shadow-sm);
}
.panel h3 { color: var(--allianz-blue); }

/* ---------- Timeline ---------- */
.timeline {
  counter-reset: step;
  display: flex; flex-direction: column;
  gap: 24px; position: relative;
}
.timeline::before {
  content: ""; position: absolute;
  left: 23px; top: 12px; bottom: 12px;
  width: 2px; background: var(--border);
}
.timeline li {
  position: relative; padding-left: 68px;
  background: #fff; border-radius: var(--radius);
  padding: 22px 24px 22px 68px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}
.timeline .t-step {
  position: absolute; left: 10px; top: 20px;
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--allianz-blue); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; box-shadow: 0 0 0 6px var(--muted-bg);
}
.timeline .t-critical { border-color: var(--critical); background: #fff5f4; }
.timeline .t-critical .t-step { background: var(--critical); }
.timeline h3 { margin-bottom: 6px; }

/* ---------- Diagnose-Grid (dunkle Sektion) ---------- */
.diag-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 60px;
}
.diag {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 22px;
  backdrop-filter: blur(4px);
}
.diag h3 { font-size: 1.05rem; margin-bottom: 8px; color: #cfe1fb; }
.diag p { color: rgba(255,255,255,0.85); margin: 0; }

.sub-title { color: #fff !important; margin: 20px 0 20px; font-size: 1.3rem; }
.chip-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.chip {
  background: #fff; color: var(--text);
  border-radius: var(--radius); padding: 16px 18px;
  font-size: 0.95rem; line-height: 1.4;
}
.chip strong {
  display: inline-block;
  background: var(--allianz-blue); color: #fff;
  padding: 2px 8px; border-radius: 6px;
  margin-right: 8px; font-size: 0.85rem;
  font-family: "Source Sans 3", monospace;
}
.chip span { color: var(--text-muted); font-size: 0.85rem; }

/* ---------- Schritte ---------- */
.steps {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 24px; counter-reset: stepCounter;
  margin-bottom: 40px;
}
.steps li {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); padding: 28px;
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}
.steps li:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.steps-num {
  display: inline-block;
  font-size: 2.4rem; font-weight: 900;
  color: var(--allianz-blue-50);
  line-height: 1;
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}

.result-box {
  background: linear-gradient(135deg, var(--allianz-blue), var(--allianz-blue-light));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 40px; align-items: center;
}
.result-box h3 { color: #fff; margin-bottom: 16px; font-size: 1.4rem; }
.result-box .btn-primary {
  background: #fff; color: var(--allianz-blue);
}
.result-box .btn-primary:hover { background: #f0f4fb; color: var(--allianz-blue-dark); }

/* ---------- KPI ---------- */
.kpi-row {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 18px; margin-top: 32px;
}
.kpi {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px;
  text-align: center;
}
.kpi strong {
  display: block; font-size: 1.8rem; font-weight: 800;
  color: var(--allianz-blue); line-height: 1;
  margin-bottom: 6px;
}
.kpi span { color: var(--text-muted); font-size: 0.95rem; }

/* ---------- FAQ ---------- */
.faq-item {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); margin-bottom: 12px;
  overflow: hidden;
}
.faq-item summary {
  padding: 18px 22px; cursor: pointer;
  font-weight: 700; color: var(--allianz-blue);
  list-style: none; position: relative;
  padding-right: 56px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 22px; top: 50%;
  transform: translateY(-50%);
  font-size: 1.4rem; font-weight: 400;
  color: var(--allianz-blue);
  transition: transform var(--transition);
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p { padding: 0 22px 20px; color: var(--text-muted); margin: 0; }

/* ---------- Contact ---------- */
.section-contact {
  background: linear-gradient(180deg, #f4f7fc 0%, #ffffff 100%);
}
.contact-grid {
  display: grid; grid-template-columns: 0.9fr 1.1fr;
  gap: 48px; align-items: start;
}
.contact-intro h2 { color: var(--allianz-blue); }
.section-contact .section-eyebrow.light { color: var(--allianz-blue-light); }
.contact-meta { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
.contact-meta li { color: var(--text-muted); }
.contact-meta a { color: var(--allianz-blue); font-weight: 600; }

.contact-form {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.contact-form .row {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.field { display: flex; flex-direction: column; margin-bottom: 18px; }
.field label {
  font-weight: 600; color: var(--text); font-size: 0.95rem;
  margin-bottom: 6px;
}
.field input[type=text],
.field input[type=email],
.field input[type=tel],
.field select,
.field textarea {
  font: inherit;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  background: #fff;
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: 0;
  border-color: var(--allianz-blue);
  box-shadow: 0 0 0 4px rgba(0, 55, 129, 0.12);
}
.field input:invalid:not(:placeholder-shown),
.field textarea:invalid:not(:placeholder-shown) {
  border-color: #e5a5a0;
}
textarea { resize: vertical; min-height: 120px; }

.field.checkbox {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 12px;
}
.field.checkbox input { margin-top: 4px; transform: scale(1.1); accent-color: var(--allianz-blue); }
.field.checkbox label { font-weight: 400; color: var(--text-muted); }

.hp-field {
  position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden;
}

/* Dropzone */
.dropzone {
  position: relative;
  border: 2px dashed var(--border);
  border-radius: 12px;
  padding: 28px 20px;
  text-align: center;
  background: #fafbfd;
  cursor: pointer;
  transition: border-color var(--transition), background var(--transition);
}
.dropzone:hover,
.dropzone:focus-visible,
.dropzone.is-drag {
  border-color: var(--allianz-blue);
  background: var(--allianz-blue-50);
  outline: none;
}
.dropzone input[type=file] {
  position: absolute; inset: 0; opacity: 0; cursor: pointer;
}
.dropzone-text strong { display: block; color: var(--allianz-blue); margin-bottom: 6px; }
.dropzone-text span { display: block; font-size: 0.85rem; color: var(--text-muted); }

.file-list {
  display: flex; flex-direction: column; gap: 8px;
  margin-top: 12px;
}
.file-list li {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--allianz-blue-50);
  border-radius: 8px; padding: 10px 14px;
  font-size: 0.9rem;
  gap: 12px;
}
.file-list .name { flex: 1; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.file-list .size { color: var(--text-muted); font-size: 0.8rem; }
.file-list button {
  background: transparent; border: 0; cursor: pointer;
  color: var(--critical); font-weight: 700;
  font-size: 1.1rem; line-height: 1;
  padding: 2px 6px; border-radius: 4px;
}
.file-list button:hover { background: rgba(196,56,45,0.1); }
.file-list .error { color: var(--critical); font-size: 0.8rem; font-weight: 600; }

.form-status { margin-top: 14px; font-weight: 600; }
.form-status.success { color: #0d7a3d; }
.form-status.error { color: var(--critical); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--allianz-blue-dark);
  color: #cfe1fb;
  padding: 40px 0;
  font-size: 0.92rem;
}
.footer-inner {
  display: flex; justify-content: space-between;
  flex-wrap: wrap; gap: 24px; align-items: center;
}
.site-footer strong { color: #fff; }
.site-footer a { color: #cfe1fb; margin-right: 18px; }
.site-footer a:hover { color: #fff; }
.footer-copy { color: rgba(255,255,255,0.6); font-size: 0.85rem; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero { padding: 56px 0 72px; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .cards-3, .diag-grid, .chip-grid, .kpi-row { grid-template-columns: repeat(2, 1fr); }
  .grid-2, .steps { grid-template-columns: 1fr; }
  .result-box { grid-template-columns: 1fr; padding: 28px; }
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }

  .nav-toggle { display: inline-flex; }
  .main-nav ul {
    position: absolute; top: 72px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--border);
    flex-direction: column; gap: 0; padding: 10px 24px 20px;
    box-shadow: var(--shadow-md);
    transform: translateY(-110%);
    transition: transform var(--transition);
    visibility: hidden;
  }
  .main-nav[data-open="true"] ul {
    transform: translateY(0); visibility: visible;
  }
  .main-nav li { width: 100%; }
  .main-nav a { display: block; padding: 14px 12px; }
  .main-nav .nav-cta { text-align: center; margin-top: 8px; }
}
@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .hero-trust { grid-template-columns: repeat(2, 1fr); }
  .cards-3, .diag-grid, .chip-grid, .kpi-row { grid-template-columns: 1fr; }
  .contact-form { padding: 24px; }
  .contact-form .row { grid-template-columns: 1fr; }
  .timeline::before { left: 19px; }
  .timeline li { padding-left: 58px; }
  .timeline .t-step { left: 4px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}