:root{
  --bg:#F4F6FA;
  --bg-2:#E9EDF5;
  --panel:#FFFFFF;
  --navy:#0F2A4A;
  --navy-2:#1D4373;
  --ink:#101A28;
  --ink-2:#5B6A7D;
  --line:#DDE3EC;
  --line-2:#C6D0DE;
  --teal:#0E7C86;
  --teal-soft:#E0F2F3;
  --amber:#B26A00;
  --maxw:1180px;
  --ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:"Source Sans 3",system-ui,sans-serif;font-size:17.5px;line-height:1.62;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:2px solid var(--teal);outline-offset:3px;border-radius:3px}
.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:24px}
.mono{font-family:"IBM Plex Mono",ui-monospace,monospace;font-variant-numeric:tabular-nums}

h1,h2,h3{margin:0;font-family:"Plus Jakarta Sans","Source Sans 3",sans-serif;font-weight:700;
  letter-spacing:-.03em;line-height:1.1;color:var(--navy)}
h1{font-size:clamp(2.4rem,6vw,4.3rem);font-weight:800;letter-spacing:-.038em}
h2{font-size:clamp(1.8rem,3.6vw,2.8rem)}
h3{font-size:1.06rem;letter-spacing:-.018em;line-height:1.34}
p{margin:0}
.lead{font-size:clamp(1.04rem,1.5vw,1.2rem);color:var(--ink-2);max-width:62ch}
.eyebrow{font-family:"IBM Plex Mono",monospace;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;
  color:var(--teal);display:inline-flex;align-items:center;gap:9px}
.eyebrow::before{content:"";width:20px;height:2px;background:var(--teal);border-radius:2px}

.nav{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--bg) 88%,transparent);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;gap:26px;height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:"Plus Jakarta Sans",sans-serif;
  font-weight:800;font-size:1.08rem;letter-spacing:-.03em;color:var(--navy)}
.brand-mark{width:25px;height:25px;flex:none}
.nav-links{display:flex;gap:24px;margin-left:auto;font-size:.92rem}
.nav-links a{color:var(--ink-2);text-decoration:none}
.nav-links a:hover{color:var(--navy)}
@media(max-width:900px){.nav-links{display:none}}

.btn{display:inline-flex;align-items:center;gap:9px;padding:13px 22px;border-radius:8px;font-weight:600;
  font-size:.95rem;text-decoration:none;border:1px solid transparent;transition:all .18s var(--ease);
  font-family:"Plus Jakarta Sans",sans-serif}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-ghost{border-color:var(--line-2);color:var(--navy);background:var(--panel)}
.btn-ghost:hover{border-color:var(--navy);}
.btn-sm{padding:9px 16px;font-size:.86rem;border-radius:7px}

section{padding-block:clamp(70px,8.5vw,116px)}
.sec-head{max-width:64ch;display:flex;flex-direction:column;gap:16px;margin-bottom:clamp(38px,4.6vw,58px)}

.hero{padding-top:clamp(50px,6vw,82px);padding-bottom:clamp(44px,5vw,68px)}
.hero-grid{display:grid;gap:clamp(46px,5vw,70px);align-items:center;justify-items:center}
@media(min-width:1020px){.hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);justify-items:stretch}}
.hero-copy{display:flex;flex-direction:column;gap:23px;align-items:flex-start}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.hero-note{font-size:.85rem;color:var(--ink-2)}

/* Telefon + Push */
.stage{position:relative;display:flex;justify-content:center;padding-top:22px}
.phone{width:min(320px,84vw);border-radius:40px;padding:10px;background:var(--navy);
  box-shadow:0 40px 80px -46px rgba(15,42,74,.6),0 0 0 1px rgba(15,42,74,.12)}
.phone-in{background:var(--bg);border-radius:31px;overflow:hidden;position:relative}
.notch{position:absolute;top:8px;left:50%;transform:translateX(-50%);width:84px;height:19px;border-radius:11px;
  background:var(--navy);z-index:3}
.screen{padding:42px 17px 16px;display:flex;flex-direction:column;gap:12px}
.screen-h{display:flex;justify-content:space-between;align-items:baseline}
.screen-h b{font-family:"Plus Jakarta Sans",sans-serif;font-size:1.02rem;color:var(--navy);font-weight:800}
.screen-h span{font-family:"IBM Plex Mono",monospace;font-size:.63rem;color:var(--ink-2);letter-spacing:.1em}
.card{background:var(--panel);border:1px solid var(--line);border-radius:15px;padding:14px 15px}
.kpi{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.kpi .card b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-size:1.35rem;color:var(--navy);
  font-weight:800;letter-spacing:-.035em;font-variant-numeric:tabular-nums}
.kpi .card span{font-size:.72rem;color:var(--ink-2)}
.todo-h{font-family:"IBM Plex Mono",monospace;font-size:.6rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--ink-2);margin-bottom:9px}
.todo{display:flex;gap:10px;align-items:flex-start;padding:9px 0;border-top:1px solid var(--line)}
.todo:first-of-type{border-top:0;padding-top:0}
.todo i{font-style:normal;width:7px;height:7px;border-radius:50%;margin-top:7px;flex:none}
.todo b{display:block;font-size:.82rem;font-weight:600;color:var(--ink)}
.todo span{font-size:.72rem;color:var(--ink-2)}
.tabbar{display:flex;justify-content:space-between;padding:11px 14px 13px;background:var(--panel);
  border-top:1px solid var(--line);margin:6px -17px -16px}
.tabbar div{display:flex;flex-direction:column;align-items:center;gap:4px;font-size:.58rem;color:var(--ink-2);
  font-family:"IBM Plex Mono",monospace;letter-spacing:.05em}
.tabbar div.on{color:var(--teal)}
.tabbar svg{width:17px;height:17px}
.push{position:absolute;top:0;left:50%;transform:translateX(-46%);width:min(310px,80vw);z-index:5;
  background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border:1px solid var(--line);border-radius:14px;
  padding:11px 13px;box-shadow:0 20px 40px -20px rgba(15,42,74,.45);
  display:flex;gap:10px;align-items:flex-start;animation:drop .7s var(--ease) .5s both}
@keyframes drop{from{opacity:0;transform:translate(-46%,-22px)}to{opacity:1;transform:translate(-46%,0)}}
.push .badge{width:26px;height:26px;border-radius:7px;background:var(--navy);flex:none;display:grid;place-items:center}
.push b{display:block;font-size:.8rem;font-weight:700;color:var(--ink);font-family:"Plus Jakarta Sans",sans-serif}
.push p{font-size:.75rem;color:var(--ink-2);line-height:1.45}
.push em{font-style:normal;font-family:"IBM Plex Mono",monospace;font-size:.6rem;color:var(--ink-2);
  letter-spacing:.1em;margin-left:auto;white-space:nowrap}

.strip{border-block:1px solid var(--line);background:var(--bg-2)}
.strip-in{display:grid;grid-template-columns:repeat(2,1fr)}
@media(min-width:820px){.strip-in{grid-template-columns:repeat(4,1fr)}}
.stat{padding:26px 24px;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:4px}
.stat:last-child{border-right:0}
@media(max-width:819px){.stat:nth-child(2n){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid var(--line)}}
.stat b{font-family:"Plus Jakarta Sans",sans-serif;font-size:1.4rem;font-weight:800;color:var(--navy);letter-spacing:-.03em}
.stat span{font-size:.85rem;color:var(--ink-2)}

/* Stepper: die Schadenmeldung ist eine echte Abfolge */
.stepper{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:10px;overflow:hidden}
@media(min-width:760px){.stepper{grid-template-columns:repeat(4,1fr)}}
.stp{background:var(--panel);padding:24px 22px 26px;display:flex;flex-direction:column;gap:9px;position:relative}
.stp .n{font-family:"IBM Plex Mono",monospace;font-size:.68rem;letter-spacing:.18em;color:var(--teal)}
.stp p{font-size:.9rem;color:var(--ink-2)}
.stp::after{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--teal);opacity:.18}
.stp:first-child::after{opacity:1}
.stp:nth-child(2)::after{opacity:.7}
.stp:nth-child(3)::after{opacity:.45}

.grid{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:10px;overflow:hidden}
@media(min-width:680px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.grid{grid-template-columns:repeat(3,1fr)}}
.cell{background:var(--panel);padding:clamp(24px,2.5vw,30px);display:flex;flex-direction:column;gap:10px}
.cell p{font-size:.93rem;color:var(--ink-2)}
.cell .ico{color:var(--teal);width:22px;height:22px;margin-bottom:4px}

.split{display:grid;gap:clamp(34px,4.6vw,60px);align-items:center}
@media(min-width:960px){.split{grid-template-columns:1fr 1fr}}

.topics{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:10px;background:var(--panel);overflow:hidden}
.topic{display:flex;align-items:center;gap:14px;padding:15px 18px;border-bottom:1px solid var(--line)}
.topic:last-child{border-bottom:0}
.topic code{font-family:"IBM Plex Mono",monospace;font-size:.72rem;color:var(--teal);background:var(--teal-soft);
  border-radius:5px;padding:3px 8px}
.topic b{font-size:.93rem;font-weight:600}
.topic span{margin-left:auto;font-size:.8rem;color:var(--ink-2)}
.sw{width:34px;height:20px;border-radius:999px;background:var(--teal);position:relative;flex:none;margin-left:auto}
.sw::after{content:"";position:absolute;top:2px;right:2px;width:16px;height:16px;border-radius:50%;background:#fff}
.sw.off{background:var(--line-2)}
.sw.off::after{right:auto;left:2px}

.faq{border-top:1px solid var(--line);max-width:900px}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;padding:21px 0;display:flex;gap:16px;align-items:baseline;
  font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1.04rem;letter-spacing:-.02em;color:var(--navy)}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";margin-left:auto;color:var(--teal);font-family:"IBM Plex Mono",monospace;
  font-size:1.2rem;transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding:0 0 21px;color:var(--ink-2);max-width:74ch;font-size:.96rem}

.cta{background:var(--navy);color:#E6EDF6;border-radius:14px;padding:clamp(38px,5vw,72px);
  display:flex;flex-direction:column;gap:20px;align-items:flex-start}
.cta h2{color:#fff}.cta .lead{color:#A9BDD4}
.cta .eyebrow{color:#6FD6DE}.cta .eyebrow::before{background:#6FD6DE}
.cta .btn-primary{background:#fff;color:var(--navy)}
.cta .btn-primary:hover{background:#E6EDF6}
.cta .btn-ghost{background:transparent;border-color:rgba(230,237,246,.3);color:#E6EDF6}
.cta .btn-ghost:hover{background:rgba(230,237,246,.1)}

footer{border-top:1px solid var(--line);padding-block:42px;font-size:.86rem;color:var(--ink-2)}
.foot-in{display:flex;flex-wrap:wrap;gap:16px 30px;align-items:center}
footer a{color:var(--ink-2);text-decoration:none}
footer a:hover{color:var(--navy)}
.foot-in .sep{margin-left:auto}

@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}}