:root{
  /* Designsystem "Goldene Stunde": Honig + Graubraun + Creme */
  --bg:#FDFAF1;          /* warmes Creme (Seitenhintergrund) */
  --surface:#FFFFFF;     /* Panels/Karten – reinweiß, hebt sich vom Creme ab */
  --ink:#42382B;         /* warmes Graubraun */
  --ink-soft:#867862;
  --line:#EDE3CB;
  --accent:#E9A23B;      /* Honig */
  --accent-dark:#C5821C;
  --accent-soft:#FAEDCD;
  --accent-ink:#3A2E1C;  /* Text auf Akzent-Flächen (Buttons) */
  --gold:#B98A2E;
  --green:#3E8E5A;
  --green-soft:#E5F0E7;
  --red:#C96A4A;
  --hint-bg:#F6EEDB;     /* Hintergrund der Hinweis-Boxen (White-Label-fähig) */
  --verdict-bg:#2B2723;  /* Hintergrund des Fazits auf der Auswertungsseite (warmes Anthrazit) */
  --radius:18px;
  --shadow:0 12px 40px rgba(120,90,40,.10);
  --shadow-sm:0 4px 16px rgba(120,90,40,.07);
  /* Schriften (White-Label-fähig: per Instanz überschreibbar) */
  --font-head:'Lora',Georgia,serif;
  --font-body:'Nunito Sans',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  background:var(--bg);color:var(--ink);
  line-height:1.55;-webkit-font-smoothing:antialiased;
}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.hidden{display:none!important}
em{font-style:normal;color:var(--accent)}
h1,h2,h3{font-family:var(--font-head);font-weight:600;line-height:1.12;color:var(--ink)}
a{color:var(--accent-dark)}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.4em;
  font:inherit;font-weight:700;border:none;border-radius:13px;
  padding:.8em 1.6em;cursor:pointer;transition:.18s;text-decoration:none;
}
.btn-lg{padding:1em 2.1em;font-size:1.05rem}
.btn-primary{background:var(--accent);color:var(--accent-ink);box-shadow:0 8px 20px rgba(197,130,28,.3)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(197,130,28,.38)}
.btn-ghost{background:transparent;color:var(--ink-soft);border:1.5px solid var(--line)}
.btn-ghost:hover:not(:disabled){border-color:var(--accent);color:var(--accent-dark)}
.btn:disabled{opacity:.5;cursor:not-allowed}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(253,250,241,.88);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{font-family:var(--font-body);font-weight:700;font-size:1.12rem;letter-spacing:-.01em;color:var(--ink);text-decoration:none;display:inline-flex;align-items:center}
.brand-accent{color:inherit}
.brand-icon{width:1.55em;height:1.55em;flex:none;margin-right:.45em;border-radius:.34em}
.nav-link{font-weight:600;text-decoration:none;font-size:.95rem}

/* Hero */
.hero{text-align:center;padding:72px 24px 40px}
.badge{display:inline-block;background:var(--green-soft);color:var(--green);font-weight:600;font-size:.85rem;padding:.45em 1em;border-radius:999px;margin-bottom:26px}
.hero-title{font-size:clamp(2.3rem,5.5vw,4rem);letter-spacing:-.02em;margin-bottom:20px}
.hero-sub{max-width:620px;margin:0 auto 32px;font-size:1.15rem;color:var(--ink-soft)}
.trust-row{list-style:none;display:flex;flex-wrap:wrap;gap:10px 22px;justify-content:center;margin-top:30px;color:var(--ink-soft);font-size:.92rem}

/* Features */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:30px 24px 20px}
.feature-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}
.fc-icon{font-size:1.8rem;margin-bottom:12px}
.feature-card h3{font-size:1.2rem;margin-bottom:8px}
.feature-card p{color:var(--ink-soft);font-size:.96rem}

/* Plans */
.plans{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;padding:36px 24px 80px}
.plan{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-sm);position:relative}
.plan-pro{background:linear-gradient(160deg,var(--surface),var(--hint-bg));border-color:var(--accent-soft)}
.pro-tag{position:absolute;top:22px;right:22px;background:var(--gold);color:#fff;font-size:.78rem;font-weight:600;padding:.3em .8em;border-radius:999px}
.plan h3{font-size:1.5rem}
.plan-price{font-size:1.05rem;color:var(--accent-dark);font-weight:600;margin:.2em 0 18px}
.plan ul{list-style:none;margin-bottom:24px}
.plan li{padding:7px 0;border-bottom:1px solid var(--line);color:var(--ink-soft)}

/* Wizard */
.wizard{min-height:100vh;padding:48px 0 90px}
.wiz-head{margin-bottom:30px}
.wiz-progress{height:8px;background:var(--line);border-radius:999px;overflow:hidden}
.wiz-progress-bar{height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--accent));transition:width .4s}
.wiz-step-label{margin-top:10px;font-size:.88rem;color:var(--ink-soft);font-weight:500}
.wiz-body{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:40px;box-shadow:var(--shadow);min-height:340px}
.wiz-title{font-size:1.7rem;margin-bottom:8px}
.wiz-intro{color:var(--ink-soft);margin-bottom:28px;max-width:640px}
.wiz-nav{display:flex;justify-content:space-between;margin-top:26px}

/* Fields */
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
.field>span{font-weight:600;font-size:.95rem}
.field input,.field select{
  font:inherit;padding:.75em .9em;border:1.5px solid var(--line);border-radius:12px;
  background:var(--bg);color:var(--ink);transition:.15s;width:100%;
}
.field input:focus,.field select:focus{outline:none;border-color:var(--accent);background:var(--surface)}
.input-suffix{position:relative}
.input-suffix input{padding-right:2.6em}
.input-suffix .suffix{position:absolute;right:.9em;top:50%;transform:translateY(-50%);color:var(--ink-soft);font-size:.9rem;pointer-events:none}
.field-hint{font-size:.85rem;color:var(--ink-soft);background:var(--hint-bg);border-left:3px solid var(--gold);border-radius:8px;padding:9px 12px;margin-top:2px}
.link-btn{background:none;border:none;color:var(--accent-dark);font:inherit;font-weight:600;cursor:pointer;text-decoration:underline;padding:0;font-size:.88rem;align-self:flex-start}
.readonly input{background:var(--bg);color:var(--ink-soft);cursor:not-allowed}
.field.disabled{opacity:.5}
.field.disabled input{cursor:not-allowed}
.checkbox-field{flex-direction:row;flex-wrap:wrap;align-items:center;gap:12px;background:var(--accent-soft);padding:14px 16px;border-radius:12px;cursor:pointer}
.checkbox-field input{width:20px;height:20px;accent-color:var(--accent);flex-shrink:0;margin:0}
.checkbox-field>span{font-weight:600}
.checkbox-field .field-hint{flex-basis:100%}

/* Mini-Rechner Grenzsteuer */
.subcalc{grid-column:1/-1;background:var(--bg);border:1px dashed var(--line);border-radius:12px;padding:18px;margin-top:6px}
.subcalc .field-grid{gap:14px}
.subcalc-result{margin-top:12px;font-weight:600;color:var(--green)}

/* Calculating */
.calculating{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:24px}
.calc-card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);padding:48px;max-width:520px;width:100%;text-align:center}
.calc-card h2{font-size:1.6rem;margin-bottom:26px}
.calc-bar{height:10px;background:var(--line);border-radius:999px;overflow:hidden;margin-bottom:26px}
.calc-bar-fill{height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--accent));transition:width .25s linear}
.calc-steps{list-style:none;text-align:left;display:flex;flex-direction:column;gap:12px}
.calc-steps li{display:flex;align-items:center;gap:12px;color:var(--ink-soft);opacity:.4;transition:.3s}
.calc-steps li.active{opacity:1;color:var(--ink)}
.calc-steps li .tick{width:22px;height:22px;border-radius:50%;border:2px solid var(--line);display:inline-flex;align-items:center;justify-content:center;font-size:.8rem;flex-shrink:0}
.calc-steps li.active .tick{background:var(--green);border-color:var(--green);color:#fff}

/* Gate */
.gate{min-height:100vh;padding:60px 0}
.gate-wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.gate-preview{position:relative;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);max-height:560px}
.pdf-mock{background:#fff;padding:36px;font-size:.8rem}
.pdf-fade{position:absolute;left:0;right:0;bottom:0;height:55%;background:linear-gradient(180deg,transparent,rgba(255,255,255,.97))}
.gate-form h2{font-size:1.9rem;margin-bottom:12px}
.gate-form p{color:var(--ink-soft);margin-bottom:24px}
.checkbox{display:flex;gap:12px;align-items:flex-start;font-size:.9rem;color:var(--ink-soft);margin:18px 0}
.checkbox input{margin-top:3px;width:18px;height:18px;accent-color:var(--accent);flex-shrink:0}
.gate-hint{font-size:.82rem;color:var(--ink-soft);margin-top:12px}

/* PDF mock content */
.pdf-mock h4{font-family:var(--font-head);font-size:1.3rem;margin-bottom:4px}
.pdf-mock .pdf-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid #EFE6D2}
.pdf-mock .pdf-kpi{display:flex;justify-content:space-between;background:var(--accent-soft);padding:10px 12px;border-radius:8px;margin:4px 0;font-weight:600}

/* §7b-Check */
.afa-check{border-radius:12px;padding:14px 16px;font-size:.92rem;line-height:1.5;margin-top:6px}
.afa-check:empty{display:none}
.afa-check strong{display:block;margin-bottom:3px;font-size:.98rem}
.afa-check.pos{background:var(--green-soft);color:#34603C;border:1px solid #C2DCC6}
.afa-check.neg{background:#FBE8E3;color:#9c4530;border:1px solid #eccabf}
.afa-check.info{background:var(--hint-bg);color:var(--ink-soft);border:1px solid var(--line);border-left:3px solid var(--gold)}
/* Tilgung/Wunschrate-Umschalter */
.rate-toggle-wrap{display:flex;flex-direction:column;gap:8px}
.rate-toggle-label{font-weight:600;font-size:.92rem}
.rate-toggle{align-self:flex-start}
.rate-toggle .seg{padding:.5em 1.2em}
.rate-info{border-radius:12px;padding:13px 16px;font-size:.9rem;line-height:1.5;margin-top:10px;background:var(--bg);border:1px solid var(--line);color:var(--ink-soft)}
.rate-info:empty{display:none}
.rate-info b{color:var(--ink)}
.rate-info.pos{background:var(--green-soft);border-color:#C2DCC6;color:#34603C}
.rate-info.pos b{color:#29512F}
.rate-info.neg{background:#FBE8E3;border-color:#eccabf;color:#9c4530}
.rate-info.neg b{color:#7d3322}
/* Pflichtfeld / Fehler */
.field.required>span::after{content:" *";color:var(--accent)}
.field input.invalid{border-color:var(--red);background:#FBE8E3}
.wiz-error{color:var(--red);font-weight:600;font-size:.9rem;margin-top:16px}
/* Modal */
.modal{position:fixed;inset:0;z-index:200;background:rgba(58,50,43,.45);display:flex;align-items:center;justify-content:center;padding:24px}
.modal-card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);max-width:480px;width:100%;padding:32px}
.modal-card h3{font-size:1.4rem;margin-bottom:12px}
.modal-card>div p{color:var(--ink-soft);margin-bottom:14px}
.pauschal-list{list-style:none;margin-bottom:6px}
.pauschal-list li{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--line)}
.pauschal-list li b{color:var(--ink)}
.modal-buttons{display:flex;gap:10px;justify-content:flex-end;margin-top:22px;flex-wrap:wrap}
.modal-close{position:absolute;top:14px;right:16px;background:none;border:none;font-size:1.6rem;line-height:1;color:var(--ink-soft);cursor:pointer;padding:4px 8px;border-radius:8px}
.modal-close:hover{color:var(--accent-dark);background:var(--accent-soft)}

/* Header-Auth */
.nav-right{display:flex;align-items:center;gap:18px}
.nav-cta{padding:.55em 1.3em;font-size:.92rem}
.brand{cursor:pointer}
.nav-auth .nav-link{background:none;border:none;font:inherit;font-weight:600;color:var(--accent-dark);cursor:pointer}
.nav-profile{display:inline-flex;align-items:center;gap:8px;background:var(--accent-soft)!important;color:var(--accent-dark)!important;padding:.45em .9em!important;border-radius:999px}
.nav-profile:hover{background:#F4E3BD!important}
.nav-avatar{font-size:.95rem}
.nav-email{max-width:160px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;font-size:.88rem}
.btn-icon{font-size:.95em}
.btn-danger{background:var(--red);color:#fff}
.btn-danger:hover{background:#a8482f;transform:translateY(-1px)}

/* Auth-Modal */
.auth-card{position:relative;max-width:430px}
.auth-tabs{display:flex;gap:6px;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:4px;margin-bottom:18px}
.auth-tab{flex:1;border:none;background:none;font:inherit;font-weight:600;color:var(--ink-soft);padding:.55em 1em;border-radius:999px;cursor:pointer;transition:.15s}
.auth-tab.active{background:var(--accent);color:#fff}
.auth-lead{color:var(--ink-soft);font-size:.92rem;margin-bottom:16px}
#authForm{display:flex;flex-direction:column;gap:14px}
#authForm .btn{margin-top:4px}
.auth-error{color:var(--red);font-weight:600;font-size:.9rem}
.auth-demo{margin-top:18px;font-size:.8rem;line-height:1.5;color:var(--ink-soft);background:var(--bg);border:1px dashed var(--line);border-radius:12px;padding:12px 14px}

/* Toast */
.toast{position:fixed;left:50%;bottom:32px;transform:translateX(-50%) translateY(20px);z-index:300;background:var(--ink);color:#fff;font-weight:600;font-size:.95rem;padding:14px 22px;border-radius:999px;box-shadow:var(--shadow);opacity:0;transition:opacity .3s,transform .3s;max-width:90vw}
.toast.visible{opacity:1;transform:translateX(-50%) translateY(0)}
.toast.pos{background:var(--green)}
.toast.neg{background:var(--red)}

/* Profil */
.profile{padding:40px 0 80px}
.profile-email{color:var(--ink-soft);font-size:.95rem;margin-top:4px}
.eval-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:18px;margin-bottom:34px}
.eval-empty{color:var(--ink-soft);background:var(--surface);border:1px dashed var(--line);border-radius:var(--radius);padding:26px;grid-column:1/-1}
.eval-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);overflow:hidden;display:flex;flex-direction:column;transition:.15s}
.eval-card:hover{border-color:var(--accent);box-shadow:var(--shadow)}
.eval-main{padding:20px 22px;cursor:pointer;flex:1}
.eval-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:14px}
.eval-head h3{font-size:1.2rem;line-height:1.3}
.eval-date{font-size:.8rem;color:var(--ink-soft);white-space:nowrap}
.eval-kpis{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px}
.eval-kpi{display:flex;flex-direction:column}
.ek-val{font-family:var(--font-head);font-size:1.15rem;font-weight:600;color:var(--accent-dark)}
.ek-lbl{font-size:.78rem;color:var(--ink-soft)}
.eval-open-hint{display:inline-block;margin-top:14px;font-size:.85rem;font-weight:600;color:var(--accent-dark)}
.eval-actions{display:flex;gap:16px;padding:12px 22px;border-top:1px solid var(--line);background:var(--bg)}
.link-btn.danger{color:var(--red)}
.account-card .account-body{padding:4px 28px 28px}
.account-body h4{font-size:1.05rem;margin-bottom:14px}
.account-form{display:flex;flex-direction:column;gap:12px;max-width:420px}
.account-form .btn{align-self:flex-start;margin-top:4px}
.account-sep{border:none;border-top:1px solid var(--line);margin:26px 0 20px}
.account-warn{color:var(--ink-soft);font-size:.9rem;margin-bottom:14px;max-width:520px}

/* Lead-Gate (Blur-Overlay auf der Ergebnisseite) */
#gatedWrap{position:relative}
/* Gate: oben scharf lesbar, weicher Übergang in die Unschärfe, darunter das Formular.
   Die Unschärfe liegt als eigene backdrop-filter-Ebene über dem (scharfen) Inhalt und
   wird per Masken-Verlauf von oben (transparent = scharf) nach unten (deckend = unscharf) eingeblendet. */
#gatedZone.locked{pointer-events:none;user-select:none;max-height:900px;overflow:hidden}
.gate-blur{position:absolute;inset:0;pointer-events:none;z-index:1;
  -webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);
  -webkit-mask-image:linear-gradient(to bottom,transparent 0,transparent 230px,#000 360px);
          mask-image:linear-gradient(to bottom,transparent 0,transparent 230px,#000 360px)}
.gate-blur.hidden{display:none}
.lead-overlay{position:absolute;inset:0;z-index:2;display:flex;align-items:flex-start;justify-content:center;padding:300px 16px 36px;
  background:linear-gradient(to bottom,transparent 0,transparent 240px,rgba(253,250,241,.5) 360px,var(--bg) 500px)}
@media (max-width:560px){
  .gate-blur{-webkit-mask-image:linear-gradient(to bottom,transparent 0,transparent 150px,#000 260px);mask-image:linear-gradient(to bottom,transparent 0,transparent 150px,#000 260px)}
  .lead-overlay{padding-top:210px;background:linear-gradient(to bottom,transparent 0,transparent 160px,rgba(253,250,241,.5) 270px,var(--bg) 400px)}
}
.lead-overlay.hidden{display:none}
.lead-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);max-width:480px;width:100%;padding:30px;position:sticky;top:32px}
.lead-card h3{font-size:1.5rem;margin-bottom:4px}
.lead-sub{color:var(--ink-soft);margin-bottom:16px}
.lead-benefits{list-style:none;margin:0 0 20px;display:flex;flex-direction:column;gap:11px}
.lead-benefits li{display:flex;gap:10px;align-items:flex-start;font-size:.93rem;line-height:1.45}
.lead-benefits li span{flex-shrink:0}
#leadForm{display:flex;flex-direction:column;gap:13px}
.lead-hint{font-size:.85rem;color:var(--ink-soft);text-align:center;margin-top:2px}
.lead-hint .link-btn{font-size:.85rem}

/* Szenario-Banner */
.scenario-banner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;background:linear-gradient(160deg,var(--surface),var(--hint-bg));border:1px solid var(--accent-soft);border-radius:var(--radius);padding:18px 24px;box-shadow:var(--shadow-sm);margin-bottom:24px}
.scenario-banner-label strong{display:block;font-family:var(--font-head);font-size:1.15rem}
.scenario-banner-label span{font-size:.88rem;color:var(--ink-soft)}
/* Results */
.results{padding:50px 0 90px}
.results-head{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;margin-bottom:28px}
.results-head h2{font-size:2rem}
.results-actions{display:flex;gap:10px}
#kpiSections{column-count:2;column-gap:20px;margin-bottom:6px}
.kpi-group{break-inside:avoid;display:inline-block;width:100%;margin:0 0 20px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;box-shadow:var(--shadow-sm)}
.kpi-group-title{font-size:1.02rem;color:var(--ink);font-weight:600;margin-bottom:6px;padding-bottom:10px;border-bottom:1px solid var(--line)}
.kpi-rows{display:flex;flex-direction:column}
.kpi-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:10px 0;border-bottom:1px solid var(--line)}
.kpi-row:last-child{border-bottom:none;padding-bottom:0}
.kpi-row-label{font-size:.9rem;color:var(--ink-soft);line-height:1.45}
.kpi-row-val{font-family:var(--font-head);font-size:1.2rem;font-weight:600;white-space:nowrap}
.kpi-row.pos .kpi-row-val{color:var(--green)}
.kpi-row.neg .kpi-row-val{color:var(--red)}
.kpi-badge{display:inline-block;font-size:.64rem;font-weight:700;letter-spacing:.02em;text-transform:uppercase;padding:.2em .6em;border-radius:999px;margin-left:8px;vertical-align:middle}
.kpi-badge.pos{background:var(--green);color:#fff}
.kpi-badge.neg{background:var(--red);color:#fff}
/* Hinweis-Karten */
#resultHints{display:flex;flex-direction:column;gap:12px;margin-bottom:30px}
.hint-card{display:flex;gap:14px;align-items:flex-start;border-radius:14px;padding:16px 18px;border:1px solid var(--line)}
.hint-card .hint-icon{font-size:1.1rem;width:30px;height:30px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;font-weight:700}
.hint-card strong{display:block;margin-bottom:3px}
.hint-card p{font-size:.92rem;color:var(--ink-soft);line-height:1.55}
.hint-card.pos{background:var(--green-soft);border-color:#C2DCC6}
.hint-card.pos .hint-icon{background:var(--green);color:#fff}
.hint-card.neg{background:#FBE8E3;border-color:#eccabf}
.hint-card.neg .hint-icon{background:var(--red);color:#fff}
.hint-card.info{background:var(--hint-bg);border-color:var(--line)}
.hint-card.info .hint-icon{background:var(--gold);color:#fff}
.chart-card,.table-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);margin-bottom:24px}
.chart-card h3,.table-card h3{font-size:1.3rem;margin-bottom:18px}
.chart-head{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;margin-bottom:18px}
.chart-head h3{margin:0}
.segmented{display:inline-flex;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:4px;gap:2px}
.segmented .seg{display:flex;flex-direction:column;align-items:center;border:none;background:none;font:inherit;font-weight:600;color:var(--ink-soft);padding:.45em 1.1em;border-radius:999px;cursor:pointer;transition:.15s;line-height:1.1}
.segmented .seg small{font-weight:500;font-size:.7rem;opacity:.8}
.segmented .seg.active{background:var(--accent);color:#fff}
/* ETF */
.etf-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);margin-bottom:24px}
.etf-head{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:14px;margin-bottom:6px}
.etf-head h3{font-size:1.3rem;margin:0}
.etf-rate{display:flex;flex-direction:column;gap:6px;font-size:.85rem;font-weight:600;color:var(--ink-soft)}
.etf-rate .input-suffix input{width:120px;padding:.5em .9em;border:1.5px solid var(--line);border-radius:10px;background:var(--bg);font:inherit}
.etf-desc{color:var(--ink-soft);margin-bottom:18px;font-size:.95rem}
.etf-compare{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.etf-card .etf-card{padding:0}
.etf-compare .etf-card{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:none;margin:0}
.etf-year{font-weight:600;margin-bottom:10px}
.etf-line{display:flex;justify-content:space-between;padding:5px 0;color:var(--ink-soft);font-size:.95rem}
.etf-line b{color:var(--ink)}
.etf-diff{margin-top:10px;font-weight:600;font-size:.95rem}
.etf-diff.pos{color:var(--green)}
.etf-diff.neg{color:var(--red)}
.liability{background:var(--hint-bg);border:1px solid var(--line);border-radius:14px;padding:18px 20px;font-size:.85rem;color:var(--ink-soft);line-height:1.6}
.liability strong{color:var(--ink)}

/* Section titles */
.section-title{font-size:1.5rem;margin:38px 0 6px}
.section-intro{color:var(--ink-soft);margin-bottom:18px;font-size:.95rem}

/* Verdict-Hero */
.verdict-card{background:var(--verdict-bg);background:linear-gradient(150deg,var(--verdict-bg),color-mix(in srgb,var(--verdict-bg) 80%,#fff));color:#fff;border-radius:var(--radius);padding:30px 32px;box-shadow:var(--shadow);margin-bottom:10px}
.verdict-lead{font-size:1.15rem;line-height:1.5;margin-bottom:22px;color:#F2E8D5}
.verdict-lead strong{color:#fff}
.verdict-nums{display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:18px}
.vn{display:flex;flex-direction:column;gap:4px;border-left:2px solid rgba(255,255,255,.18);padding-left:16px}
.vn-val{font-family:var(--font-head);font-size:1.7rem;font-weight:600}
.vn-lbl{font-size:.82rem;color:#CDB98F}
.verdict-note{margin-top:20px;padding-top:16px;border-top:1px solid rgba(255,255,255,.14);font-size:.9rem;line-height:1.55;color:#CDB98F}
.verdict-note strong{color:#F2E8D5}
.verdict-head{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.verdict-head-lbl{font-size:.9rem;font-weight:600;color:#CDB98F}
.verdict-card .segmented{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2)}
.verdict-card .segmented .seg{color:#EADFC2}
.verdict-card .segmented .seg.active{background:#fff;color:var(--verdict-bg)}
.verdict-cashflow{margin-top:18px;font-size:.95rem;line-height:1.55;color:#F2E8D5}
.verdict-cashflow strong{color:#fff}

/* Investor overview */
.investor-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.investor-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column}
.ic-val{font-family:var(--font-head);font-size:1.7rem;font-weight:600;color:var(--accent-dark)}
.ic-label{font-weight:600;margin:4px 0 8px}
.ic-desc{font-size:.85rem;color:var(--ink-soft);line-height:1.5}
.tip.tip-warn{background:var(--gold);color:#fff;font-style:normal;font-size:.78rem}
.ic-val .tip-warn{vertical-align:middle;margin-left:4px}

/* Tooltip */
.tip{display:inline-flex;align-items:center;justify-content:center;width:16px;height:16px;border-radius:50%;background:var(--line);color:var(--ink-soft);font-size:.7rem;font-weight:700;font-style:italic;cursor:help;position:relative;vertical-align:middle}
.tip::after{content:attr(data-tip);position:absolute;bottom:130%;left:50%;transform:translateX(-50%);background:var(--ink);color:#fff;font-size:.78rem;font-weight:400;font-style:normal;line-height:1.45;width:240px;max-width:60vw;padding:10px 12px;border-radius:10px;opacity:0;pointer-events:none;transition:.15s;z-index:30;box-shadow:var(--shadow)}
.tip:hover::after,.tip:focus::after{opacity:1}

/* Cashflow breakdown */
.cashflow-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);margin-bottom:24px}
.cf-head{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;margin-bottom:18px}
.cf-intro{color:var(--ink-soft);font-size:.95rem;max-width:520px}
.cf-buffer-chart{margin-top:14px}
.cf-buffer-chart svg{width:100%;height:auto;display:block}
.cf-buffer-legend{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:12px;font-size:.82rem;color:var(--ink-soft)}
.cf-buffer-legend .dot{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:middle}
.cf-buffer-legend .vmark{display:inline-block;width:3px;height:13px;margin-right:6px;vertical-align:-2px;border-radius:1px}
.cf-buffer-explain{margin-top:14px;font-size:.92rem;line-height:1.6;color:var(--ink-soft)}
.cf-buffer-explain strong{color:var(--ink)}
.cf-year select{font:inherit;padding:.4em .7em;border:1.5px solid var(--line);border-radius:10px;background:var(--bg)}
.cf-row{display:flex;align-items:center;gap:14px;margin-top:8px}
.cf-rowlabel{width:120px;flex-shrink:0;font-size:.9rem;color:var(--ink-soft);display:flex;flex-direction:column}
.cf-rowlabel b{color:var(--ink);font-size:1.05rem}
.cf-bar{flex:1;display:flex;height:30px;border-radius:8px;overflow:hidden;background:var(--bg)}
.cf-seg{height:100%}
.cf-legend{display:flex;flex-wrap:wrap;gap:6px 18px;margin:6px 0 4px 134px;font-size:.82rem;color:var(--ink-soft)}
.cf-legend .dot{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px;vertical-align:middle}
.cf-net{margin-top:16px;padding:12px 16px;border-radius:12px;font-size:1.05rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
.cf-net.pos{background:var(--green-soft);color:#34603C}
.cf-net.neg{background:#FBE8E3;color:var(--red)}
.cf-net-monthly{font-size:.9rem;opacity:.8;white-space:nowrap}
.cf-note{font-size:.83rem;color:var(--ink-soft);margin-top:12px}

/* Details (collapsible) */
.details-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);margin-bottom:24px;padding:0}
.details-card summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:22px 28px;font-family:var(--font-head);font-size:1.3rem;font-weight:600}
.details-card summary::-webkit-details-marker{display:none}
.details-card .chev{transition:.2s;color:var(--ink-soft)}
.details-card[open] .chev{transform:rotate(180deg)}
.details-card .table-scroll{padding:0 28px 24px}
.details-card.table-card h3{display:none}
.annahmen-intro{padding:0 28px;color:var(--ink-soft);margin:-6px 0 14px}
#annahmenForm{padding:0 28px}
#btnRecalc{margin:4px 28px 26px}
.annahmen-group{margin-bottom:18px}
.annahmen-group h4{font-size:1rem;color:var(--ink-soft);margin-bottom:10px;padding-bottom:5px;border-bottom:1px solid var(--line)}
.annahmen-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.afield{display:flex;flex-direction:column;gap:5px;font-size:.88rem}
.afield>span{font-weight:600}
.afield input,.afield select{font:inherit;padding:.55em .7em;border:1.5px solid var(--line);border-radius:10px;background:var(--bg);width:100%}
.afield.acheck{flex-direction:row;align-items:center;gap:8px}
.afield.acheck input{width:18px;height:18px;accent-color:var(--accent)}

@media(max-width:760px){
  .investor-grid{grid-template-columns:1fr 1fr}
  .verdict-nums{grid-template-columns:1fr}
  .annahmen-grid{grid-template-columns:1fr 1fr}
  .cf-rowlabel{width:90px}
  .cf-legend{margin-left:104px}
}
#chart svg{width:100%;height:auto;display:block}
.chart-legend{display:flex;gap:22px;flex-wrap:wrap;margin-top:14px;font-size:.9rem;color:var(--ink-soft)}
.chart-legend .dot{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:middle}
.table-scroll{overflow-x:auto}
table{border-collapse:collapse;width:100%;font-size:.85rem;white-space:nowrap}
th,td{padding:9px 12px;text-align:right;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left;position:sticky;left:0;background:var(--surface)}
thead th{font-weight:600;color:var(--ink-soft);border-bottom:2px solid var(--line)}
tbody tr:hover td{background:var(--bg)}
.disclaimer{font-size:.82rem;color:var(--ink-soft);margin-top:8px}

/* Footer */
.site-footer{border-top:1px solid var(--line);padding:24px 0;background:var(--surface)}
.site-footer .wrap{display:flex;justify-content:space-between;color:var(--ink-soft);font-size:.9rem}
.footer-links{display:flex;gap:18px}

@media(max-width:760px){
  .features,.plans,.gate-wrap,.field-grid{grid-template-columns:1fr}
  #kpiSections{column-count:1}
  .wiz-body{padding:26px}
  .hero{padding:48px 20px 30px}
  .nav{height:56px}
  .brand{font-size:1rem}
  .nav-link{font-size:.85rem}
  .results-head h2{font-size:1.6rem}
}

/* Print */
@media print{
  body{background:#fff}
  .site-header,.site-footer,.results-actions,.disclaimer,#btnRestart{display:none!important}
  .chart-card,.table-card,.kpi{box-shadow:none;break-inside:avoid}
}