/* =============================================================
   PH Financial Services AG – Premium Stylesheet
   Farben: Dunkelblau #0D1F3C, Gold #B8962E, Hellgrau #F5F5F5, 
           Grau #6B7280, Weiss #FFFFFF, Dunkel #1A1A2E
   ============================================================= */

/* ---------- CSS Custom Properties ---------- */
:root {
  --navy:       #0D1F3C;
  --navy-light: #1B3057;
  --gold:       #B8962E;
  --gold-light: #D4AE4E;
  --white:      #FFFFFF;
  --off-white:  #F8F7F4;
  --light-gray: #F0EFEb;
  --gray:       #6B7280;
  --dark-gray:  #374151;
  --text:       #1F2937;
  --border:     #E5E7EB;
  --shadow-sm:  0 2px 8px rgba(13,31,60,0.08);
  --shadow-md:  0 8px 32px rgba(13,31,60,0.12);
  --shadow-lg:  0 20px 60px rgba(13,31,60,0.16);
  --radius:     4px;
  --radius-lg:  8px;
  --transition: all 0.3s ease;
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans:  'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  color: var(--navy);
  line-height: 1.25;
  font-weight: 600;
}

h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.6rem); }
h4 { font-size: 1.15rem; }

p {
  color: var(--dark-gray);
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: 1rem;
}

.lead {
  font-size: 1.125rem;
  color: var(--dark-gray);
  line-height: 1.8;
  font-weight: 400;
}

.small-text {
  font-size: 0.875rem;
  color: var(--gray);
}

/* ---------- Layout Utilities ---------- */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 2rem;
}

.container--narrow {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 2rem;
}

.section {
  padding: 96px 0;
}

.section--alt {
  background: var(--off-white);
}

.section--dark {
  background: var(--navy);
  color: var(--white);
}

.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4,
.section--dark p {
  color: var(--white);
}

.section__header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 64px;
}

.section__header p {
  color: var(--gray);
  margin-top: 1rem;
}

.section--dark .section__header p {
  color: rgba(255,255,255,0.72);
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2.5rem;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.gap-3 { gap: 1.5rem; }
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-4 { margin-bottom: 2rem; }

/* ---------- Separator / Divider ---------- */
.gold-line {
  width: 48px;
  height: 2px;
  background: var(--gold);
  margin: 1.25rem auto;
}

.gold-line--left {
  margin-left: 0;
}

/* ---------- Label / Eyebrow ---------- */
.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.75rem;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 2rem;
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  border-radius: var(--radius);
  transition: var(--transition);
  font-family: var(--font-sans);
}

.btn--primary {
  background: var(--gold);
  color: var(--white);
  border: 1px solid var(--gold);
}

.btn--primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(184,150,46,0.3);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.5);
}

.btn--outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn--outline-dark {
  background: transparent;
  color: var(--navy);
  border: 1px solid var(--navy);
}

.btn--outline-dark:hover {
  background: var(--navy);
  color: var(--white);
}

.btn--ghost {
  padding: 0;
  color: var(--gold);
  font-weight: 500;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: var(--transition);
}

.btn--ghost:hover { gap: 0.7rem; }

/* ---------- Header / Navigation ---------- */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 10000;
  background: rgba(13, 31, 60, 0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(184,150,46,0.15);
  transition: var(--transition);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo__mark {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
}

.logo__mark span {
  color: var(--gold);
}

.logo__sub {
  font-size: 0.62rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  font-weight: 400;
}

.nav__list {
  display: flex;
  align-items: center;
  gap: 2.25rem;
}

.nav__link {
  font-size: 0.85rem;
  font-weight: 400;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.78);
  transition: var(--transition);
  position: relative;
  padding-bottom: 2px;
  white-space: nowrap;
}

.nav__link::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.3s ease;
}

.nav__link:hover,
.nav__link.active {
  color: var(--white);
}

.nav__link:hover::after,
.nav__link.active::after {
  width: 100%;
}

.nav__cta {
  margin-left: 1rem;
  padding: 0.6rem 1.4rem;
  font-size: 0.8rem;
  white-space: nowrap;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--white);
  transition: var(--transition);
  transform-origin: center;
}

.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(4px, 4px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(4px, -4px); }

/* ---------- Hero Section ---------- */
.hero {
  position: relative;
  min-height: 55vh;
  display: flex;
  align-items: center;
  background: var(--navy);
  overflow: hidden;
  padding: 80px 0 60px;
}

.hero__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 70% 50%, rgba(184,150,46,0.07) 0%, transparent 60%),
    radial-gradient(ellipse at 20% 80%, rgba(27,48,87,0.8) 0%, transparent 50%),
    linear-gradient(135deg, #0D1F3C 0%, #1B3057 50%, #0D1F3C 100%);
}

.hero__grid-overlay {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(184,150,46,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(184,150,46,0.04) 1px, transparent 1px);
  background-size: 64px 64px;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 760px;
}

.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.75rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 1.5rem;
}

.hero__eyebrow::before {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  line-height: 1.18;
  margin-bottom: 1.5rem;
  font-weight: 600;
}

.hero h1 em {
  font-style: italic;
  color: var(--gold-light);
}

.hero__subtitle {
  color: rgba(255,255,255,0.72);
  font-size: 1.1rem;
  line-height: 1.75;
  margin-bottom: 2.5rem;
  max-width: 580px;
}

.hero__cta-group {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 4rem;
}

.hero__disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.38);
  letter-spacing: 0.04em;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  max-width: 580px;
}

.hero__stats {
  display: flex;
  gap: 3rem;
  flex-wrap: wrap;
}

.hero__stat-value {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.hero__stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-top: 4px;
}

/* ---------- Trust Bar ---------- */
.trust-bar {
  background: var(--navy-light);
  border-top: 1px solid rgba(184,150,46,0.2);
  border-bottom: 1px solid rgba(184,150,46,0.2);
  padding: 1.25rem 0;
}

.trust-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
}

.trust-bar__item .icon {
  width: 18px;
  height: 18px;
  color: var(--gold);
  flex-shrink: 0;
}

/* ---------- Cards ---------- */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  transition: var(--transition);
}

.card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.card__icon {
  width: 48px;
  height: 48px;
  background: rgba(184,150,46,0.08);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  color: var(--gold);
}

.card__icon svg {
  width: 24px;
  height: 24px;
}

.card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

.card p {
  font-size: 0.92rem;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 0;
}

/* Dark cards */
.card--dark {
  background: var(--navy-light);
  border-color: rgba(184,150,46,0.15);
}

.card--dark h3,
.card--dark h4 {
  color: var(--white);
}

.card--dark p {
  color: rgba(255,255,255,0.62);
}

.card--dark:hover {
  border-color: var(--gold);
  background: rgba(27,48,87,0.9);
}

/* ---------- Services Section ---------- */
.service-item {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 5rem;
  align-items: center;
  padding: 4rem 0;
  border-bottom: 1px solid var(--border);
}

.service-item:last-child { border-bottom: none; }

.service-item.reverse { direction: rtl; }
.service-item.reverse > * { direction: ltr; }

.service-item__number {
  font-family: var(--font-serif);
  font-size: 5rem;
  font-weight: 700;
  color: rgba(184,150,46,0.12);
  line-height: 1;
  margin-bottom: -1rem;
}

.service-item__body h3 {
  font-size: 1.5rem;
  margin-bottom: 1rem;
}

.service-item__body p {
  color: var(--gray);
  margin-bottom: 1.25rem;
}

/* ---------- Process Steps ---------- */
.process-steps {
  counter-reset: step;
  position: relative;
}

.process-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 2rem;
  margin-bottom: 3rem;
  position: relative;
}

.process-step__number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--gold);
  flex-shrink: 0;
  background: var(--white);
  position: relative;
  z-index: 2;
}

.process-step__connector {
  position: absolute;
  top: 56px;
  left: 27px;
  width: 1px;
  height: calc(100% + 1.5rem);
  background: linear-gradient(to bottom, var(--gold), transparent);
  opacity: 0.25;
}

.process-step:last-child .process-step__connector {
  display: none;
}

.process-step__body {
  padding-top: 0.75rem;
}

.process-step__body h4 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
  color: var(--navy);
}

.process-step__body p {
  color: var(--gray);
  font-size: 0.95rem;
  margin-bottom: 0;
}

/* ---------- Quote / Testimonial ---------- */
.quote-block {
  border-left: 3px solid var(--gold);
  padding: 1.5rem 2rem;
  background: rgba(184,150,46,0.04);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.quote-block p {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  font-style: italic;
  margin-bottom: 0;
}

/* ---------- FAQ ---------- */
.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:first-child {
  border-top: 1px solid var(--border);
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--navy);
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.faq-question:hover { color: var(--gold); }

.faq-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--gold);
  transition: transform 0.3s ease;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
}

.faq-answer.open {
  max-height: 600px;
  padding-bottom: 1.5rem;
}

.faq-answer p {
  font-size: 0.95rem;
  color: var(--gray);
  line-height: 1.8;
  margin-bottom: 0;
}

/* ---------- Contact Form ---------- */
.contact-form .form-group {
  margin-bottom: 1.5rem;
}

.contact-form label {
  display: block;
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 0.875rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color 0.2s ease;
  outline: none;
  appearance: none;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,150,46,0.1);
}

.contact-form textarea {
  resize: vertical;
  min-height: 140px;
}

.contact-form .form-consent {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.83rem;
  color: var(--gray);
  line-height: 1.5;
}

/* Native Checkbox verstecken */
.contact-form .form-consent input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
  pointer-events: none;
}

/* Custom Checkbox Box */
.contact-form .form-consent label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
  user-select: none;
  width: 100%;
}

.contact-form .form-consent label .check-box {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  min-width: 22px;
  border: 2px solid #B8962E;
  border-radius: 4px;
  background: #fff;
  margin-top: 1px;
  transition: background 0.18s, border-color 0.18s, box-shadow 0.18s;
  box-shadow: 0 0 0 0 rgba(184,150,46,0);
}

.contact-form .form-consent label .check-box svg {
  display: none;
  width: 13px;
  height: 13px;
  stroke: #fff;
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
  fill: none;
}

/* Checked State */
.contact-form .form-consent input[type="checkbox"]:checked + label .check-box {
  background: #B8962E;
  border-color: #B8962E;
  box-shadow: 0 0 0 3px rgba(184,150,46,0.18);
}

.contact-form .form-consent input[type="checkbox"]:checked + label .check-box svg {
  display: block;
}

/* Focus State */
.contact-form .form-consent input[type="checkbox"]:focus-visible + label .check-box {
  box-shadow: 0 0 0 3px rgba(184,150,46,0.35);
}

/* Hover */
.contact-form .form-consent label:hover .check-box {
  border-color: #D4AE4E;
  box-shadow: 0 0 0 3px rgba(184,150,46,0.12);
}

.form-disclaimer {
  background: rgba(13,31,60,0.04);
  border: 1px solid var(--border);
  border-left: 3px solid var(--gold);
  padding: 1rem 1.25rem;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-top: 1.5rem;
  font-size: 0.8rem;
  color: var(--gray);
  line-height: 1.6;
}

/* ---------- Info Boxes / Disclaimer ---------- */
.disclaimer-box {
  background: rgba(13,31,60,0.04);
  border: 1px solid rgba(13,31,60,0.12);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
}

.disclaimer-box--warning {
  background: rgba(184,150,46,0.06);
  border-color: rgba(184,150,46,0.3);
}

.disclaimer-box--important {
  background: rgba(13,31,60,0.06);
  border-color: var(--navy);
  border-left: 4px solid var(--navy);
}

.disclaimer-box h4 {
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.disclaimer-box p {
  font-size: 0.875rem;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 0;
}

/* ---------- Compliance Ribbon ---------- */
.compliance-ribbon {
  background: var(--navy);
  padding: 0.75rem 0;
  text-align: center;
}

.compliance-ribbon p {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.06em;
  margin-bottom: 0;
}

.compliance-ribbon a {
  color: rgba(184,150,46,0.8);
  text-decoration: underline;
}

/* ---------- Footer (new slim design) ---------- */
.site-footer {
  background: transparent;
  padding-top: 0;
}

/* --- Regulatory Trust Bar --- */
.reg-trust-bar {
  background: #f5f6f8;
  border-top: 1px solid #dde1e8;
  padding: 2.5rem 0 2rem;
}

.reg-trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  align-items: start;
}

.reg-trust-bar__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 1.25rem 2rem;
  gap: 0.9rem;
  position: relative;
}

.reg-trust-bar__item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 15%;
  height: 70%;
  width: 1px;
  background: #dde1e8;
}

.reg-trust-bar__logo {
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.reg-trust-bar__logo svg {
  height: 56px;
  width: auto;
  max-width: 200px;
}

.reg-trust-bar__logo-img {
  height: 52px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
  display: block;
}

.reg-trust-bar__text {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.reg-trust-bar__text strong {
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 700;
  color: #1a2e4a;
  letter-spacing: 0.01em;
}

.reg-trust-bar__text span {
  font-size: 0.75rem;
  color: #6b7a8d;
  line-height: 1.55;
  max-width: 240px;
  margin: 0 auto;
}

.reg-trust-bar__text a {
  color: #2a5298;
  text-decoration: underline;
}

/* --- Copyright bar --- */
.site-footer__bottom {
  background: #1a2e4a;
  padding: 0.9rem 0;
}

.site-footer__bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.site-footer__copy {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 400;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 0;
}

.site-footer__links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.site-footer__links a {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: color 0.2s ease;
}

.site-footer__links a:hover {
  color: rgba(255,255,255,0.85);
}

/* Legacy footer classes (kept for backward compat, hidden) */
.footer__grid, .footer__bottom, .footer__disclaimer,
.footer__brand, .footer__heading, .footer__links,
.footer__contact-item, .footer__copyright, .footer__legal-links {
  display: none;
}

/* Responsive: reg-trust-bar */
@media (max-width: 680px) {
  .reg-trust-bar__grid {
    grid-template-columns: 1fr;
  }
  .reg-trust-bar__item:not(:last-child)::after {
    display: none;
  }
  .reg-trust-bar__item:not(:last-child) {
    border-bottom: 1px solid #dde1e8;
    padding-bottom: 1.5rem;
    margin-bottom: 0.5rem;
  }
}

/* ---------- Testimonial Slider ---------- */
.testimonial-section {
  overflow: hidden;
}

/* ============================================================
   TESTIMONIAL SLIDER v2  (ts2-*)
   Slide direction: right → left (next) / left → right (prev)
============================================================ */

.ts2-section {
  background: linear-gradient(160deg, #f7f9fc 0%, #edf1f7 100%);
  padding: 96px 0 80px;
  overflow: hidden;
}

.ts2-header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.ts2-title {
  font-family: var(--font-serif);
  font-size: clamp(1.7rem, 3.2vw, 2.4rem);
  color: var(--navy);
  margin-bottom: 0;
  line-height: 1.2;
}

.ts2-subtitle {
  color: var(--gray);
  font-size: 0.95rem;
  margin-top: 0.75rem;
  margin-bottom: 0;
}

/* ── Slider shell ── */
.ts2-slider {
  position: relative;
  max-width: 820px;
  margin: 0 auto;
  padding: 0 3.5rem;   /* space for arrow buttons */
}

/* ── Track (clipping window) ── */
.ts2-track-wrap {
  overflow: hidden;
  position: relative;
  /* height set dynamically by JS */
}

.ts2-track {
  display: flex;          /* overridden by JS, but safe default */
  position: relative;
  width: 100%;
}

/* ── Individual slide ── */
.ts2-slide {
  display: flex;
  align-items: stretch;
  justify-content: center;
  flex-shrink: 0;
  box-sizing: border-box;
  padding: 4px;           /* prevent box-shadow clipping at edges */
}

/* ── Card ── */
.ts2-card {
  width: 100%;
  background: #ffffff;
  border-radius: 20px;
  padding: 3rem 3.25rem 2.5rem;
  box-shadow: 0 8px 40px rgba(13, 31, 60, 0.09), 0 2px 8px rgba(13,31,60,0.05);
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  position: relative;
  overflow: hidden;
}

/* decorative gold accent top-left */
.ts2-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 5px;
  height: 100%;
  background: linear-gradient(180deg, var(--gold) 0%, rgba(184,150,46,0.2) 100%);
  border-radius: 20px 0 0 20px;
}

/* large decorative quote mark */
.ts2-card::after {
  content: '\201C';
  position: absolute;
  top: -0.4rem;
  right: 2.5rem;
  font-family: var(--font-serif);
  font-size: 8rem;
  line-height: 1;
  color: rgba(13, 31, 60, 0.04);
  pointer-events: none;
  user-select: none;
}

/* ── Stars ── */
.ts2-stars {
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 0.15em;
  line-height: 1;
}

/* ── Quote text ── */
.ts2-quote {
  font-family: var(--font-serif);
  font-size: clamp(1rem, 2vw, 1.18rem);
  font-style: italic;
  color: var(--navy);
  line-height: 1.8;
  margin: 0;
  padding: 0;
  flex: 1;
}

/* ── Author row ── */
.ts2-author {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(13,31,60,0.07);
}

.ts2-author-info {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}

.ts2-author-info strong {
  font-family: var(--font-sans);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
}

.ts2-author-info span {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  color: var(--gray);
}

/* ── Avatar circle with initials ── */
.ts2-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: #fff;
  flex-shrink: 0;
  box-shadow: 0 2px 10px rgba(0,0,0,0.15);
}

.ts2-avatar--1 { background: linear-gradient(135deg, #0D1F3C, #1B3057); }
.ts2-avatar--2 { background: linear-gradient(135deg, #1B3057, #2d4f87); }
.ts2-avatar--3 { background: linear-gradient(135deg, #B8962E, #d4ac3a); }
.ts2-avatar--4 { background: linear-gradient(135deg, #0D1F3C, #2d4f87); }
.ts2-avatar--5 { background: linear-gradient(135deg, #B8962E, #0D1F3C); }

/* ── Arrow buttons ── */
.ts2-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1.5px solid rgba(13,31,60,0.15);
  background: #ffffff;
  box-shadow: 0 2px 12px rgba(13,31,60,0.1);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
  color: var(--navy);
}

.ts2-btn svg {
  width: 18px;
  height: 18px;
  stroke: currentColor;
}

.ts2-btn:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: #ffffff;
  box-shadow: 0 4px 20px rgba(13,31,60,0.25);
  transform: translateY(-50%) scale(1.08);
}

.ts2-btn--prev { left: 0; }
.ts2-btn--next { right: 0; }

/* ── Progress dots ── */
.ts2-dots {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0.55rem;
  margin-top: 2.25rem;
}

.ts2-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  border: none;
  background: #c4cdd9;
  cursor: pointer;
  padding: 0;
  transition: background 0.25s ease, transform 0.25s ease, width 0.25s ease;
}

.ts2-dot.active {
  background: var(--navy);
  transform: scale(1.3);
  width: 24px;
  border-radius: 4px;
}

/* ── Legal note ── */
.ts2-legal {
  text-align: center;
  font-size: 0.68rem;
  color: #9aa5b4;
  margin-top: 2.5rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.6;
}

/* ── Responsive ── */
@media (max-width: 640px) {
  .ts2-slider    { padding: 0 2.5rem; }
  .ts2-card      { padding: 2rem 1.75rem 1.75rem; }
  .ts2-btn       { width: 36px; height: 36px; }
  .ts2-track-wrap { min-height: 380px; }
  .ts2-card::after { font-size: 5rem; }
}

@media (max-width: 400px) {
  .ts2-slider  { padding: 0 2rem; }
  .ts2-card    { padding: 1.75rem 1.25rem 1.5rem; }
}

/* ============================================================
   AUSZEICHNUNGEN SECTION
============================================================ */

.awards-section {
  background: var(--white);
  padding: 96px 0 88px;
}

.awards-title {
  font-family: var(--font-serif);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  color: var(--navy);
  margin-bottom: 0;
}

/* 3-column grid, wraps to 2 then 1 */
.awards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

/* ── Single award card ── */
.award-card {
  background: #ffffff;
  border: 1px solid rgba(13,31,60,0.08);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(13,31,60,0.07);
  display: flex;
  flex-direction: column;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.award-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 40px rgba(13,31,60,0.13);
}

/* ── Image container ── */
.award-card__img-wrap {
  background: #f7f9fc;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem 1.5rem;
  min-height: 180px;
  border-bottom: 1px solid rgba(13,31,60,0.06);
}

.award-card__img {
  max-height: 160px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  display: block;
}

.award-card__img--wide {
  max-height: 100px;
}

.award-card__img--round {
  max-height: 120px;
  border-radius: 50%;
}

/* ── Text body ── */
.award-card__body {
  padding: 1.5rem 1.5rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  flex: 1;
}

.award-card__title {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
  line-height: 1.3;
}

.award-card__desc {
  font-family: var(--font-sans);
  font-size: 0.83rem;
  color: var(--gray);
  line-height: 1.7;
  margin: 0;
  flex: 1;
}

.award-card__badge {
  display: inline-block;
  margin-top: 0.5rem;
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(184,150,46,0.08);
  border: 1px solid rgba(184,150,46,0.25);
  border-radius: 20px;
  padding: 0.3rem 0.8rem;
  width: fit-content;
}

/* ── Responsive ── */
@media (max-width: 960px) {
  .awards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 580px) {
  .awards-grid {
    grid-template-columns: 1fr;
  }
  .awards-section {
    padding: 64px 0 56px;
  }
}

/* ============================================================
   CAPITAL AWARD POPUP
============================================================ */

/* ── Overlay / Backdrop ── */
.capital-overlay {
  position: fixed;
  inset: 0;
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  background: rgba(8, 18, 38, 0.55);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.4s ease, visibility 0.4s ease;
}

.capital-overlay--visible {
  opacity: 1;
  visibility: visible;
}

/* ── Popup card ── */
.capital-popup {
  position: relative;
  background: #ffffff;
  border-radius: 16px;
  box-shadow: 0 24px 80px rgba(8, 18, 38, 0.35);
  max-width: 400px;
  width: 100%;
  overflow: hidden;
  transform: scale(0.88) translateY(20px);
  transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
  text-align: center;
  padding-bottom: 1.5rem;
}

.capital-overlay--visible .capital-popup {
  transform: scale(1) translateY(0);
}

/* ── Dark navy top banner ── */
.capital-popup__top {
  background: linear-gradient(135deg, #0D1F3C 0%, #1B3057 50%, #0D1F3C 100%);
  padding: 1.25rem 2rem 1rem;
  text-align: center;
}

.capital-popup__tagline {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.85);
  margin: 0 0 0.3rem;
}

.capital-popup__award-title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0;
  line-height: 1.25;
  text-shadow: 0 1px 3px rgba(0,0,0,0.2);
}

/* ── Seal image ── */
.capital-popup__img {
  display: block;
  width: 75%;
  max-width: 280px;
  height: auto;
  object-fit: contain;
  margin: 1.25rem auto 0;
  border-radius: 4px;
}

/* ── Close button ── */
.capital-popup__close {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  z-index: 10;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: none;
  background: rgba(255,255,255,0.25);
  backdrop-filter: blur(4px);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  transition: background 0.2s ease, transform 0.2s ease;
  padding: 0;
}

.capital-popup__close svg {
  width: 16px;
  height: 16px;
  stroke: currentColor;
}

.capital-popup__close:hover {
  background: rgba(255,255,255,0.45);
  transform: rotate(90deg);
}

/* ── Responsive ── */
@media (max-width: 480px) {
  .capital-popup {
    max-width: 320px;
    border-radius: 12px;
  }
  .capital-popup__award-title { font-size: 1.1rem; }
}

/* ---------- Cookie Banner ---------- */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: #0A1628;
  border-top: 1px solid rgba(184,150,46,0.3);
  padding: 1.25rem 2rem;
  transform: translateY(100%);
  transition: transform 0.4s ease;
  box-shadow: 0 -8px 32px rgba(0,0,0,0.3);
}

.cookie-banner.visible {
  transform: translateY(0);
}

.cookie-banner__inner {
  max-width: 1180px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.cookie-banner p {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
  margin-bottom: 0;
  flex: 1;
  min-width: 260px;
}

.cookie-banner a {
  color: var(--gold);
  text-decoration: underline;
}

.cookie-banner__actions {
  display: flex;
  gap: 0.75rem;
  flex-shrink: 0;
}

/* ---------- Page Hero (inner pages) ---------- */
.page-hero {
  background: var(--navy);
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 80% 50%, rgba(184,150,46,0.06) 0%, transparent 60%),
    linear-gradient(135deg, #0D1F3C 0%, #1B3057 100%);
}

.page-hero__content {
  position: relative;
  z-index: 2;
  max-width: 680px;
}

.page-hero h1 {
  color: var(--white);
  margin: 0.75rem 0 1.25rem;
}

.page-hero p {
  color: rgba(255,255,255,0.65);
  font-size: 1.05rem;
  line-height: 1.75;
  margin-bottom: 0;
}

/* ---------- Breadcrumb ---------- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.38);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  position: relative;
  z-index: 2;
}

.breadcrumb a { color: rgba(184,150,46,0.7); transition: color 0.2s; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.25); }

/* ---------- Timeline (Über uns) ---------- */
.timeline {
  position: relative;
  padding-left: 2rem;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  bottom: 0;
  width: 1px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  opacity: 0.3;
}

.timeline-item {
  position: relative;
  padding-left: 2rem;
  padding-bottom: 2.5rem;
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: -2rem;
  top: 8px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

.timeline-item__year {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.3rem;
}

.timeline-item h4 { font-size: 1rem; margin-bottom: 0.4rem; }
.timeline-item p { font-size: 0.9rem; color: var(--gray); margin-bottom: 0; }

/* ---------- Value Pillars ---------- */
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.pillar {
  padding: 2.5rem 2rem;
  border-right: 1px solid var(--border);
  transition: var(--transition);
}

.pillar:last-child { border-right: none; }

.pillar:hover {
  background: rgba(184,150,46,0.04);
}

.pillar__number {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  font-weight: 700;
  color: rgba(184,150,46,0.18);
  line-height: 1;
  margin-bottom: 1.25rem;
}

.pillar h4 { margin-bottom: 0.6rem; }
.pillar p { font-size: 0.9rem; color: var(--gray); margin-bottom: 0; }

/* ---------- Regulatory Alert Box ---------- */
.reg-alert {
  background: linear-gradient(135deg, rgba(13,31,60,0.06) 0%, rgba(184,150,46,0.06) 100%);
  border: 1px solid rgba(184,150,46,0.25);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
}

.reg-alert__icon {
  width: 40px;
  height: 40px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
}

.reg-alert__icon svg { width: 20px; height: 20px; }

.reg-alert h4 {
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.reg-alert p {
  font-size: 0.875rem;
  color: var(--gray);
  margin-bottom: 0;
  line-height: 1.7;
}

/* ---------- Team Member ---------- */
.team-card {
  text-align: center;
}

/* ── Team Card mit Foto – horizontal Layout ── */
.team-card--photo {
  display: flex;
  align-items: flex-start;
  gap: 2rem;
  text-align: left;
  background: var(--white);
  border: 1px solid rgba(184,150,46,0.15);
  border-radius: var(--radius-lg);
  padding: 2rem 2.25rem;
  box-shadow: 0 4px 24px rgba(13,31,60,0.07);
  max-width: 680px !important;
}

.team-card--photo .team-card__photo-wrap {
  position: relative;
  flex-shrink: 0;
}

.team-card--photo .team-card__photo {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  border: 3px solid rgba(184,150,46,0.35);
  display: block;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}

.team-card--photo .team-card__initials {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--white);
  border: 2px solid var(--white);
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  letter-spacing: 0.03em;
}

.team-card--photo .team-card__info {
  flex: 1;
  min-width: 0;
}

.team-card--photo h4 {
  font-size: 1.25rem;
  margin-bottom: 0.25rem;
  color: var(--navy);
}

.team-card--photo .role {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.85rem;
}

.team-card--photo .gold-line--left {
  margin-bottom: 0.85rem;
}

.team-card--photo p {
  font-size: 0.9rem;
  color: var(--gray);
  line-height: 1.75;
  margin: 0;
}

@media (max-width: 600px) {
  .team-card--photo {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 1.5rem 1.25rem;
    gap: 1.25rem;
  }
  .team-card--photo .team-card__photo { width: 120px; height: 120px; }
  .team-card--compact .team-card__photo { width: 110px; height: 110px; }
  .team-card--photo h4 { font-size: 1.1rem; }
}

/* Original Avatar (Initialen only) */
.team-card__avatar {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  border: 2px solid rgba(184,150,46,0.3);
  font-family: var(--font-serif);
  font-size: 1.6rem;
  color: var(--gold);
  font-weight: 700;
}

.team-card h4 { font-size: 1rem; margin-bottom: 0.2rem; }
.team-card .role { font-size: 0.82rem; color: var(--gold); font-weight: 500; letter-spacing: 0.06em; }
.team-card p { font-size: 0.88rem; color: var(--gray); margin-top: 0.75rem; margin-bottom: 0; }

/* ── Team Leadership Pyramide ── */
.team-leadership-top {
  display: flex;
  justify-content: center;
  margin-bottom: 0;
}

.team-leadership-top .team-card--photo {
  max-width: 580px;
  width: 100%;
}

/* Verbindungslinien */
.team-connector {
  display: flex;
  flex-direction: column;
  align-items: center;
  height: 48px;
  margin: 0 auto;
  pointer-events: none;
}

.team-connector__line {
  width: 2px;
  height: 20px;
  background: rgba(184,150,46,0.35);
}

.team-connector__fork {
  display: flex;
  width: 50%;
  position: relative;
  height: 28px;
  border-top: 2px solid rgba(184,150,46,0.35);
}

.team-connector__branch--left,
.team-connector__branch--right {
  position: absolute;
  bottom: 0;
  width: 2px;
  height: 28px;
  background: rgba(184,150,46,0.35);
}

.team-connector__branch--left  { left: 0; }
.team-connector__branch--right { right: 0; }

@media (max-width: 900px) {
  .team-connector { display: none; }
}

/* ── Team Section Grids ── */
.team-grid {
  display: grid;
  gap: 1.75rem;
  margin-bottom: 0;
}

.team-grid--leadership {
  grid-template-columns: repeat(2, 1fr);
}

.team-grid--full {
  grid-template-columns: 1fr;
}

.team-grid--3col {
  grid-template-columns: repeat(3, 1fr);
}

.team-grid--2col {
  grid-template-columns: repeat(2, 1fr);
}

.team-section-title {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  font-weight: 600;
  margin: 2.5rem 0 1.25rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--border);
  letter-spacing: 0.01em;
}

/* Kompakte Card für 3-Spalten Grid */
.team-card--compact {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  background: var(--white);
  border: 1px solid rgba(184,150,46,0.12);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem 1.5rem;
  box-shadow: 0 2px 16px rgba(13,31,60,0.06);
  transition: box-shadow 0.2s, transform 0.2s;
}

.team-card--compact:hover {
  box-shadow: 0 6px 28px rgba(13,31,60,0.11);
  transform: translateY(-2px);
}

.team-card--compact .team-card__photo-wrap {
  position: relative;
  margin-bottom: 1rem;
}

.team-card--compact .team-card__photo {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  border: 3px solid rgba(184,150,46,0.35);
  display: block;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}

.team-card--compact .team-card__initials {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 0.65rem;
  font-weight: 700;
  color: var(--white);
  border: 2px solid var(--white);
  box-shadow: 0 1px 6px rgba(0,0,0,0.15);
}

.team-card--compact .team-card__info {
  width: 100%;
}

.team-card--compact h4 {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.2rem;
}

.team-card--compact .role {
  font-size: 0.72rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.65rem;
}

.team-card--compact .gold-line--left {
  margin: 0 auto 0.65rem;
}

.team-card--compact p {
  font-size: 0.83rem;
  color: var(--gray);
  line-height: 1.7;
  margin: 0;
  text-align: left;
}

/* Responsive Team Grid */
@media (max-width: 900px) {
  .team-grid--leadership { grid-template-columns: 1fr; }
  .team-grid--3col { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 600px) {
  .team-grid--2col { grid-template-columns: 1fr; }
  .team-grid--3col { grid-template-columns: 1fr; }
  .team-card--compact { padding: 1.5rem 1.25rem; }
  .team-card--compact .team-card__photo { width: 110px; height: 110px; }
}

/* ---------- Scrolled state / animations ---------- */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- Utility: Hide on mobile ---------- */
.hide-mobile { display: block; }

/* ---------- Regulatorik-Band ---------- */
/* ============================================================
   DARK FOOTER – PH Financial Services AG
   Basiert auf dem professionellen 3-Spalten-Footer-Design
============================================================ */

.ph-footer {
  background: var(--navy);
  border-top: 2px solid rgba(184,150,46,0.35);
  padding: 0;
}

/* ── Oberer Bereich: 3 Spalten ── */
.ph-footer__top {
  padding: 56px 0 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.ph-footer__grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 0.9fr;
  gap: 3.5rem;
  align-items: start;
}

/* Linke Spalte – Branding & Kontakt */
.ph-footer__brand {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.ph-footer__logo {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  margin-bottom: 1.4rem;
}

.ph-footer__logo-main {
  font-family: var(--font-serif);
  font-size: 1.45rem;
  font-weight: 600;
  line-height: 1.15;
  color: var(--white);
  letter-spacing: 0.01em;
}

.ph-footer__logo-main .ph-gold {
  color: var(--gold);
  font-weight: 700;
}

.ph-footer__logo-sub {
  font-family: var(--font-sans);
  font-size: 0.63rem;
  font-weight: 400;
  color: rgba(255,255,255,0.38);
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.ph-footer__contact {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  margin-bottom: 1.5rem;
}

.ph-footer__contact a {
  font-size: 0.83rem;
  color: rgba(184,150,46,0.85);
  font-family: var(--font-sans);
  transition: color 0.2s ease;
  font-weight: 400;
}

.ph-footer__contact a:hover {
  color: var(--gold-light);
}

.ph-footer__address {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.55);
  font-family: var(--font-sans);
  line-height: 1.7;
  font-weight: 300;
}

/* Mittlere & rechte Spalte – Navigation */
.ph-footer__nav-heading {
  font-family: var(--font-sans);
  font-size: 0.65rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 1.4rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid rgba(184,150,46,0.3);
}

.ph-footer__nav-list {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.ph-footer__nav-list a {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.5);
  font-family: var(--font-sans);
  font-weight: 400;
  transition: color 0.2s ease, padding-left 0.2s ease;
  display: inline-block;
}

.ph-footer__nav-list a:hover {
  color: var(--gold-light);
  padding-left: 4px;
}

/* ── Trust-Bar: Logos ── */
.ph-footer__trust {
  padding: 28px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.ph-footer__trust-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.ph-footer__trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.55rem;
}

.ph-footer__trust-logo {
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  filter: brightness(0) invert(1) opacity(0.55);
  transition: filter 0.25s ease;
}

.ph-footer__trust-logo:hover {
  filter: brightness(0) invert(1) opacity(0.85);
}

.ph-footer__trust-logo img {
  height: 40px;
  width: auto;
  max-width: 130px;
  object-fit: contain;
  display: block;
}

.ph-footer__trust-label {
  font-size: 0.63rem;
  color: rgba(255,255,255,0.3);
  font-family: var(--font-sans);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  text-align: center;
}

/* Trennlinie zwischen Trust und Disclaimer */
.ph-footer__sep {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.06);
  margin: 0;
}

/* ── Disclaimer-Block ── */
.ph-footer__disclaimer {
  padding: 28px 0 22px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.ph-footer__disclaimer-title {
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 600;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.6rem;
}

.ph-footer__disclaimer-text {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.25);
  font-family: var(--font-sans);
  line-height: 1.65;
  font-weight: 300;
}

/* ── Copyright-Balken ── */
.ph-footer__bottom {
  padding: 16px 0;
}

.ph-footer__bottom-inner {
  display: flex;
  align-items: center;
  justify-content: center;
}

.ph-footer__copy {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  color: rgba(255,255,255,0.25);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 400;
  text-align: center;
}

/* ── Responsive ── */
@media (max-width: 900px) {
  .ph-footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
  .ph-footer__brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 600px) {
  .ph-footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .ph-footer__trust-grid {
    gap: 2rem;
  }
  .ph-footer__top {
    padding: 40px 0 36px;
  }
}

/* Legacy reg-band (nur noch in index.html, wird ebenfalls ersetzt) */
.reg-band {
  display: none;
}
.reg-band__inner,
.reg-band__item,
.reg-band__logo,
.reg-band__text,
.reg-band__divider,
.reg-band__footer-row,
.reg-band__copyright,
.reg-band__links {
  display: none;
}

/* ==============================================================
   RESPONSIVE / MOBILE – PH Financial Services AG
   Breakpoints:
     1024px  Tablet Landscape
      768px  Tablet Portrait
      480px  Mobile
      380px  Small Mobile
============================================================== */

/* ---------- Print ---------- */
@media print {
  .site-header, .ph-footer, .cookie-banner, .hero__cta-group { display: none; }
  .hero { min-height: auto; padding: 2rem 0; }
}

/* ============================================================
   1024px – Tablet Landscape
============================================================== */
@media (max-width: 1024px) {

  /* Layout Grids */
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .service-item { grid-template-columns: 1fr; gap: 2.5rem; }
  .service-item.reverse { direction: ltr; }
  .pillar-grid { grid-template-columns: 1fr; }
  .pillar { border-right: none; border-bottom: 1px solid var(--border); }
  .pillar:last-child { border-bottom: none; }

  /* Partnerbanken */
  #partner .fade-in[style*="grid-template-columns: repeat(5"] {
    grid-template-columns: repeat(3, 1fr) !important;
  }

  /* Footer */
  .ph-footer__grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
  .ph-footer__brand { grid-column: 1 / -1; }

  /* Page Hero */
  .page-hero { padding: 120px 0 60px; }

  /* Section spacing */
  .section { padding: 80px 0; }
  .ts2-section { padding: 80px 0 64px; }
  .awards-section { padding: 80px 0 72px; }
}

/* ============================================================
   768px – Tablet Portrait
============================================================== */
@media (max-width: 768px) {

  /* ── Base ── */
  html { font-size: 15px; }
  .section { padding: 60px 0; }
  .container { padding: 0 1.25rem; }
  .container--narrow { padding: 0 1.25rem; }
  .section__header { margin-bottom: 40px; }

  /* ── Grids ── */
  .grid-2,
  .grid-3,
  .grid-4 { grid-template-columns: 1fr; }

  /* ── Navigation ── */
  .nav__list { display: none; }
  .hamburger { display: flex; }
  .nav__cta { display: none; }
  .hide-mobile { display: none; }

  /* ── Mobiles Menü – kompakt, alle Items auf einen Blick ── */
  .nav__list.open {
    display: flex !important;
    flex-direction: column !important;
    position: fixed !important;
    top: 76px !important;            /* exakt unter dem Header (76px hoch) */
    left: 0 !important;
    right: 0 !important;
    bottom: auto !important;
    height: auto !important;
    max-height: calc(100vh - 76px) !important;
    overflow-y: auto !important;
    background: rgba(10,22,46,0.99) !important;
    padding: 0.25rem 0 0.75rem !important;
    gap: 0 !important;
    align-items: stretch !important;
    z-index: 9999 !important;
    border-top: 2px solid rgba(184,150,46,0.5) !important;
    border-bottom: 1px solid rgba(184,150,46,0.2) !important;
    box-shadow: 0 12px 40px rgba(0,0,0,0.5) !important;
  }

  .nav__list.open li {
    display: block !important;
    border-bottom: 1px solid rgba(255,255,255,0.06) !important;
    margin: 0 !important;
    padding: 0 !important;
  }

  .nav__list.open li:last-child {
    border-bottom: none !important;
  }

  .nav__list.open .nav__link {
    display: block !important;
    font-size: 0.82rem !important;
    font-family: var(--font-sans) !important;
    color: rgba(255,255,255,0.82) !important;
    padding: 0.7rem 1.25rem !important;
    letter-spacing: 0.08em !important;
    text-transform: uppercase !important;
    font-weight: 500 !important;
    width: 100% !important;
    transition: color 0.15s, background 0.15s !important;
  }

  .nav__list.open .nav__link:hover,
  .nav__list.open .nav__link.active {
    color: #D4AE4E !important;
    background: rgba(184,150,46,0.08) !important;
  }

  .nav__list.open .nav__cta {
    display: flex !important;
    margin: 0.5rem 1.25rem 0 !important;
    width: calc(100% - 2.5rem) !important;
    justify-content: center !important;
    padding: 0.65rem 1rem !important;
    font-size: 0.8rem !important;
    white-space: nowrap !important;
    border-radius: 4px !important;
  }

  /* ── Hero ── */
  .hero {
    min-height: auto;
    padding: 100px 0 50px;
    align-items: flex-start;
  }

  .hero h1 { font-size: clamp(1.9rem, 6vw, 2.6rem); }
  .hero__subtitle { font-size: 1rem; }
  .hero__cta-group {
    flex-direction: column;
    gap: 0.75rem;
    margin-bottom: 2.5rem;
  }
  .hero__cta-group .btn { width: 100%; justify-content: center; text-align: center; }
  .hero__stats { gap: 1.5rem; flex-wrap: wrap; }
  .hero__stat-value { font-size: 1.75rem; }

  /* ── Trust Bar ── */
  .trust-bar__inner { gap: 1.25rem; flex-direction: column; align-items: flex-start; }

  /* ── Page Hero (inner pages) ── */
  .page-hero { padding: 110px 0 48px; }
  .page-hero h1 { font-size: clamp(1.7rem, 5vw, 2.4rem); }

  /* ── Cards ── */
  .card { padding: 1.75rem 1.5rem; }

  /* ── Service Items ── */
  .service-item { grid-template-columns: 1fr; gap: 2rem; padding: 2.5rem 0; }
  .service-item.reverse { direction: ltr; }

  /* ── Process Steps ── */
  .process-step { grid-template-columns: 56px 1fr; gap: 1rem; }

  /* ── Disclaimer box ── */
  .disclaimer-box { padding: 1.5rem 1.25rem; }
  .reg-alert { flex-direction: column; gap: 1rem; padding: 1.5rem; }

  /* ── Pillar grid ── */
  .pillar-grid { grid-template-columns: 1fr; }
  .pillar { border-right: none; border-bottom: 1px solid var(--border); }
  .pillar:last-child { border-bottom: none; }

  /* ── Festgeld Section ── */
  #festgeld > .container > div {
    grid-template-columns: 1fr !important;
    gap: 2.5rem !important;
  }
  #festgeld > .container > div > div:last-child {
    position: static !important;
  }

  /* ── Partner Banken ── */
  #partner .fade-in[style*="grid-template-columns: repeat(5"] {
    grid-template-columns: repeat(2, 1fr) !important;
  }

  /* ── Testimonial Slider ── */
  .ts2-section { padding: 60px 0 50px; }
  .ts2-slider { padding: 0 2.75rem; }
  .ts2-card { padding: 2rem 1.75rem 1.75rem; }
  .ts2-card::after { font-size: 5rem; }
  .ts2-btn { width: 36px; height: 36px; }
  .ts2-header { margin-bottom: 2rem; }

  /* ── Awards ── */
  .awards-section { padding: 60px 0 52px; }
  .awards-grid { grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }

  /* ── Footer ── */
  .ph-footer__top { padding: 40px 0 36px; }
  .ph-footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .ph-footer__brand { grid-column: auto; }
  .ph-footer__trust-grid { gap: 2rem; }
  .ph-footer__disclaimer { padding: 20px 0 18px; }
  .ph-footer__bottom-inner { flex-direction: column; align-items: center; gap: 0.5rem; }

  /* ── Cookie Banner ── */
  .cookie-banner { padding: 1rem 1.25rem; }
  .cookie-banner__inner { flex-direction: column; gap: 1rem; }
  .cookie-banner p { min-width: unset; }
  .cookie-banner__actions { width: 100%; flex-direction: column; gap: 0.5rem; }
  .cookie-banner__actions .btn {
    width: 100%;
    text-align: center;
    justify-content: center;
  }

  /* ── Rechtliches – Legal Layout ── */
  .legal-layout { flex-direction: column !important; }
  .legal-nav { position: static !important; width: 100% !important; }

  /* ── Kontakt / Rückruf Form ── */
  .contact-form .form-row {
    grid-template-columns: 1fr !important;
  }
}

/* ============================================================
   480px – Mobile
============================================================== */
@media (max-width: 480px) {

  /* ── Base ── */
  html { font-size: 14.5px; }
  .section { padding: 48px 0; }
  .container { padding: 0 1rem; }
  .container--narrow { padding: 0 1rem; }

  /* ── Typography ── */
  h1 { font-size: clamp(1.75rem, 7vw, 2.2rem); }
  h2 { font-size: clamp(1.4rem, 5.5vw, 1.9rem); }
  h3 { font-size: clamp(1.1rem, 4vw, 1.4rem); }
  .lead { font-size: 1rem; }

  /* ── Hero ── */
  .hero { padding: 96px 0 44px; }
  .hero h1 { font-size: clamp(1.75rem, 7vw, 2.2rem); }
  .hero__subtitle { font-size: 0.95rem; margin-bottom: 1.75rem; }
  .hero__stat-value { font-size: 1.5rem; }
  .hero__eyebrow { font-size: 0.68rem; }
  .hero__cta-group { margin-bottom: 2rem; }

  /* ── Header ── */
  .header__inner { height: 64px; }
  .logo__mark { font-size: 1.15rem; }
  .logo__sub { display: none; }
  /* Menü-Top an die kleinere Header-Höhe anpassen */
  .nav__list.open { top: 64px !important; max-height: calc(100vh - 64px) !important; }

  /* ── Page Hero ── */
  .page-hero { padding: 96px 0 40px; }

  /* ── Section Header ── */
  .section__header { margin-bottom: 32px; }

  /* ── Cards ── */
  .card { padding: 1.5rem 1.25rem; }
  .card h3 { font-size: 1.1rem; }

  /* ── Awards ── */
  .awards-grid { grid-template-columns: 1fr; }
  .award-card__img-wrap { min-height: 140px; }

  /* ── Testimonial ── */
  .ts2-section { padding: 48px 0 40px; }
  .ts2-slider { padding: 0 2rem; }
  .ts2-card { padding: 1.75rem 1.25rem 1.5rem; }
  .ts2-quote { font-size: 1rem; }
  .ts2-track-wrap { min-height: 340px; }

  /* ── Disclaimer/Reg boxes ── */
  .disclaimer-box { padding: 1.25rem 1rem; }
  .reg-alert { padding: 1.25rem 1rem; }

  /* ── Process Steps ── */
  .process-step { grid-template-columns: 48px 1fr; gap: 0.75rem; margin-bottom: 2rem; }
  .process-step__number { width: 44px; height: 44px; font-size: 0.95rem; }

  /* ── Partnerbanken ── */
  #partner .fade-in[style*="grid-template-columns: repeat(5"] {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 1rem !important;
  }

  /* ── Footer ── */
  .ph-footer__logo-main { font-size: 1.25rem; }
  .ph-footer__logo-sub { font-size: 0.58rem; }
  .ph-footer__nav-heading { font-size: 0.6rem; }
  .ph-footer__nav-list a { font-size: 0.82rem; }
  .ph-footer__trust-grid { gap: 1.5rem; flex-direction: column; align-items: center; }
  .ph-footer__trust-logo img { height: 34px; }
  .ph-footer__disclaimer-text { font-size: 0.68rem; }
  .ph-footer__copy { font-size: 0.62rem; letter-spacing: 0.04em; }

  /* ── Buttons ── */
  .btn { padding: 0.8rem 1.5rem; font-size: 0.88rem; }

  /* ── Breadcrumb ── */
  .breadcrumb { font-size: 0.7rem; }

  /* ── Form ── */
  .contact-form input,
  .contact-form select,
  .contact-form textarea { font-size: 0.9rem; padding: 0.75rem 0.875rem; }

  /* ── Cookie Banner ── */
  .cookie-banner p { font-size: 0.78rem; }
}

/* ============================================================
   380px – Small Mobile
============================================================== */
@media (max-width: 380px) {

  .container { padding: 0 0.875rem; }
  html { font-size: 14px; }

  .hero h1 { font-size: 1.65rem; }
  .hero__subtitle { font-size: 0.9rem; }

  .ts2-slider { padding: 0 1.75rem; }
  .ts2-card { padding: 1.5rem 1rem 1.25rem; border-radius: 14px; }
  .ts2-btn { width: 32px; height: 32px; }

  .awards-grid { grid-template-columns: 1fr; }

  .ph-footer__contact a { font-size: 0.78rem; }
  .ph-footer__address { font-size: 0.78rem; }

  .btn { padding: 0.75rem 1.25rem; font-size: 0.85rem; }
}

/* ============================================================
   MOBILE SPEZIFISCHE FIXES
============================================================== */

/* Verhindere horizontales Scrolling – NUR auf body, NICHT html
   (overflow-x auf html bricht position:fixed → Menü unsichtbar) */
@media (max-width: 768px) {
  body {
    overflow-x: hidden;
  }

  /* Bilder immer responsiv */
  img { max-width: 100%; height: auto; }

  /* Tabellen scrollbar */
  table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }

  /* Trophäen-Grid auf Mobile: einspaltig */
  .awards-trophies-grid { grid-template-columns: 1fr !important; }

  /* Touch-Targets (min. 44px) */
  .btn { min-height: 44px; }
  .hamburger { min-width: 44px; min-height: 44px; justify-content: center; align-items: center; }
  .faq-question { min-height: 44px; }

  /* Bilder responsiv */
  img { max-width: 100%; }

  /* Sticky Sidebar in Rechtliches deaktivieren */
  [style*="position: sticky"],
  [style*="position:sticky"] {
    position: static !important;
  }

  /* Buttons */
  .btn {
    white-space: normal;
    word-break: break-word;
  }
  .nav__cta {
    white-space: nowrap;
  }
}