/* ===== VERSICHERUNGSRATGEBER — DESIGN SYSTEM ===== */
/* Mobile First | WCAG AA | Core Web Vitals optimiert */
/* Fonts: lokal eingebunden, kein externer CDN-Aufruf  */

@font-face {
  font-family: 'Playfair Display';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../fonts/playfair-display-700.woff2') format('woff2');
}
@font-face {
  font-family: 'Playfair Display';
  font-style: normal;
  font-weight: 800;
  font-display: swap;
  src: url('../fonts/playfair-display-800.woff2') format('woff2');
}
@font-face {
  font-family: 'Source Serif 4';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../fonts/source-serif-4-400.woff2') format('woff2');
}
@font-face {
  font-family: 'Source Serif 4';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../fonts/source-serif-4-600.woff2') format('woff2');
}
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../fonts/dm-sans-400.woff2') format('woff2');
}
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../fonts/dm-sans-500.woff2') format('woff2');
}
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../fonts/dm-sans-700.woff2') format('woff2');
}

:root {
  --primary: #1a3a5c;
  --primary-light: #2356a0;
  --accent: #e8960a;
  --accent-light: #f5b731;
  --success: #1d8348;
  --danger: #c0392b;
  --neutral-50: #f8f9fa;
  --neutral-100: #eef0f3;
  --neutral-200: #dee1e6;
  --neutral-500: #6b7280;
  --neutral-700: #374151;
  --neutral-900: #111827;
  --white: #ffffff;
  --text: #1e293b;
  --text-light: #64748b;
  --border: #d1d5db;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg: 0 8px 32px rgba(0,0,0,0.12);
  --radius: 8px;
  --radius-lg: 14px;
  --font-head: 'Playfair Display', 'Georgia', serif;
  --font-body: 'Source Serif 4', 'Georgia', serif;
  --font-ui: 'DM Sans', 'Helvetica Neue', sans-serif;
  --max-w: 860px;
  --max-w-wide: 1200px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-body); color: var(--text); background: var(--neutral-50); line-height: 1.75; min-height: 100vh; display: flex; flex-direction: column; }

h1, h2, h3, h4 { font-family: var(--font-head); color: var(--primary); line-height: 1.25; }
h1 { font-size: clamp(1.7rem, 4vw, 2.4rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.3rem, 3vw, 1.8rem); margin: 2.5rem 0 1rem; border-bottom: 2px solid var(--neutral-200); padding-bottom: 0.5rem; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.3rem); margin: 1.8rem 0 0.6rem; color: var(--primary-light); }
p { margin-bottom: 1.1rem; }
strong { color: var(--primary); }
a { color: var(--primary-light); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--accent); }

.site-header { background: var(--primary); color: var(--white); box-shadow: var(--shadow-md); position: sticky; top: 0; z-index: 100; }
.header-inner { max-width: var(--max-w-wide); margin: 0 auto; padding: 0 1.2rem; display: flex; align-items: center; justify-content: space-between; height: 60px; }
.site-logo { font-family: var(--font-head); font-size: 1.3rem; font-weight: 700; color: var(--white); text-decoration: none; display: flex; align-items: center; gap: 0.5rem; }
.site-logo span { color: var(--accent-light); }
.site-nav { display: flex; gap: 0.2rem; flex-wrap: wrap; }
.site-nav a { font-family: var(--font-ui); font-size: 0.82rem; font-weight: 500; color: rgba(255,255,255,0.85); text-decoration: none; padding: 0.35rem 0.65rem; border-radius: var(--radius); transition: background 0.15s, color 0.15s; white-space: nowrap; }
.site-nav a:hover { background: rgba(255,255,255,0.15); color: var(--white); }
.site-nav a.active { background: var(--accent); color: var(--white); }
.menu-toggle { display: none; background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer; padding: 0.3rem; }

.breadcrumb { background: var(--white); border-bottom: 1px solid var(--border); }
.breadcrumb-inner { max-width: var(--max-w-wide); margin: 0 auto; padding: 0.5rem 1.2rem; font-family: var(--font-ui); font-size: 0.8rem; color: var(--text-light); }
.breadcrumb a { color: var(--text-light); text-decoration: none; }
.breadcrumb a:hover { color: var(--primary-light); }
.breadcrumb span { margin: 0 0.3rem; }

.hero { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 60%, #1a5276 100%); color: var(--white); padding: 3.5rem 1.2rem 2.5rem; text-align: center; }
.hero h1 { color: var(--white); font-size: clamp(1.9rem, 5vw, 3rem); margin-bottom: 1rem; }
.hero .subtitle { font-family: var(--font-ui); font-size: 1.1rem; color: rgba(255,255,255,0.85); max-width: 600px; margin: 0 auto 2rem; }
.hero-badge { display: inline-block; background: var(--accent); color: var(--white); font-family: var(--font-ui); font-size: 0.78rem; font-weight: 700; padding: 0.25rem 0.8rem; border-radius: 99px; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 1rem; }

.main-wrapper { max-width: var(--max-w-wide); margin: 0 auto; padding: 2rem 1.2rem; flex: 1; width: 100%; }
.article-layout { display: grid; grid-template-columns: 1fr 300px; gap: 2rem; align-items: start; }
.article-content { background: var(--white); border-radius: var(--radius-lg); padding: clamp(1.5rem, 4vw, 2.5rem); box-shadow: var(--shadow-sm); border: 1px solid var(--neutral-200); }
.article-meta { font-family: var(--font-ui); font-size: 0.8rem; color: var(--text-light); margin-bottom: 1.5rem; display: flex; align-items: center; gap: 0.8rem; flex-wrap: wrap; }
.tag { background: var(--neutral-100); color: var(--primary); padding: 0.2rem 0.6rem; border-radius: 4px; font-weight: 600; font-size: 0.75rem; }

.snippet-box { background: linear-gradient(135deg, #eef4ff 0%, #e8f5e9 100%); border-left: 4px solid var(--primary-light); border-radius: 0 var(--radius) var(--radius) 0; padding: 1.2rem 1.4rem; margin: 1.5rem 0; position: relative; }
.snippet-box::before { content: "Kurzantwort"; font-family: var(--font-ui); font-size: 0.72rem; font-weight: 700; color: var(--primary-light); text-transform: uppercase; letter-spacing: 0.06em; display: block; margin-bottom: 0.5rem; }
.snippet-box p { margin: 0; font-size: 1.02rem; font-weight: 500; color: var(--text); line-height: 1.6; }

.praxis-box { background: #fff8e6; border: 1px solid #f5c842; border-radius: var(--radius); padding: 1.2rem 1.4rem; margin: 1.5rem 0; }
.praxis-box .praxis-label { font-family: var(--font-ui); font-size: 0.72rem; font-weight: 700; color: #8a6200; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.4rem; }

.table-wrap { overflow-x: auto; margin: 1.5rem 0; border-radius: var(--radius); border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; font-family: var(--font-ui); font-size: 0.88rem; }
thead { background: var(--primary); color: var(--white); }
thead th { padding: 0.75rem 1rem; text-align: left; font-weight: 600; }
tbody tr:nth-child(even) { background: var(--neutral-50); }
tbody td { padding: 0.65rem 1rem; border-bottom: 1px solid var(--neutral-200); vertical-align: top; }
tbody tr:last-child td { border-bottom: none; }
.check { color: var(--success); font-weight: bold; }
.cross { color: var(--danger); font-weight: bold; }

ul.check-list, ol.step-list { padding-left: 0; list-style: none; margin: 1rem 0 1.5rem; }
ul.check-list li { padding: 0.4rem 0 0.4rem 1.8rem; position: relative; border-bottom: 1px solid var(--neutral-100); }
ul.check-list li::before { content: "\2713"; color: var(--success); font-weight: 700; position: absolute; left: 0; }
ol.step-list { counter-reset: steps; }
ol.step-list li { counter-increment: steps; padding: 0.5rem 0 0.5rem 2.2rem; position: relative; }
ol.step-list li::before { content: counter(steps); background: var(--primary); color: var(--white); font-family: var(--font-ui); font-size: 0.75rem; font-weight: 700; width: 1.5rem; height: 1.5rem; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; position: absolute; left: 0; top: 0.5rem; }

.info-box { background: #e8f4fd; border-left: 4px solid #2980b9; border-radius: 0 var(--radius) var(--radius) 0; padding: 1rem 1.2rem; margin: 1.2rem 0; font-size: 0.94rem; }
.warn-box { background: #fef9e7; border-left: 4px solid var(--accent); border-radius: 0 var(--radius) var(--radius) 0; padding: 1rem 1.2rem; margin: 1.2rem 0; font-size: 0.94rem; }

.cta-block { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%); color: var(--white); border-radius: var(--radius-lg); padding: 1.8rem 2rem; margin: 2rem 0; text-align: center; }
.cta-block h3 { color: var(--white); margin: 0 0 0.6rem; font-size: 1.15rem; }
.cta-block p { color: rgba(255,255,255,0.87); margin: 0 0 1.2rem; font-size: 0.94rem; }
.cta-btn { display: inline-block; background: var(--accent); color: var(--white) !important; font-family: var(--font-ui); font-size: 1rem; font-weight: 700; text-decoration: none !important; padding: 0.85rem 2rem; border-radius: 99px; transition: background 0.2s, transform 0.1s; box-shadow: 0 4px 14px rgba(0,0,0,0.2); }
.cta-btn:hover { background: var(--accent-light); transform: translateY(-1px); }
.cta-note { font-family: var(--font-ui); font-size: 0.75rem; color: rgba(255,255,255,0.65); margin-top: 0.6rem; }

.faq-section { margin-top: 2rem; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 0.75rem; overflow: hidden; }
.faq-question { background: var(--neutral-50); padding: 1rem 1.2rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-family: var(--font-ui); font-weight: 600; font-size: 0.95rem; color: var(--primary); user-select: none; }
.faq-question:hover { background: var(--neutral-100); }
.faq-icon { font-size: 1.1rem; transition: transform 0.2s; flex-shrink: 0; }
.faq-answer { padding: 0 1.2rem; max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s; font-size: 0.93rem; }
.faq-item.open .faq-answer { max-height: 500px; padding: 0.8rem 1.2rem 1rem; }
.faq-item.open .faq-icon { transform: rotate(45deg); }

.sidebar { position: sticky; top: 80px; }
.sidebar-widget { background: var(--white); border: 1px solid var(--neutral-200); border-radius: var(--radius-lg); padding: 1.4rem; margin-bottom: 1.2rem; box-shadow: var(--shadow-sm); }
.sidebar-widget h4 { font-family: var(--font-ui); font-size: 0.8rem; font-weight: 700; color: var(--text-light); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 0.8rem; padding-bottom: 0.5rem; border-bottom: 1px solid var(--neutral-200); }
.sidebar-links { list-style: none; }
.sidebar-links li { padding: 0.3rem 0; border-bottom: 1px solid var(--neutral-100); }
.sidebar-links li:last-child { border-bottom: none; }
.sidebar-links a { font-family: var(--font-ui); font-size: 0.84rem; color: var(--primary-light); text-decoration: none; }
.sidebar-links a:hover { color: var(--accent); text-decoration: underline; }
.sidebar-cta-btn { display: block; background: var(--accent); color: var(--white) !important; font-family: var(--font-ui); font-weight: 700; font-size: 0.9rem; text-decoration: none !important; text-align: center; padding: 0.8rem 1rem; border-radius: var(--radius); margin-top: 0.5rem; transition: background 0.2s; }
.sidebar-cta-btn:hover { background: var(--accent-light); }

.section-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1.2rem; margin-top: 1.5rem; }
.category-card { background: var(--white); border: 1px solid var(--neutral-200); border-radius: var(--radius-lg); padding: 1.5rem; text-decoration: none; color: var(--text); transition: box-shadow 0.2s, transform 0.15s, border-color 0.2s; display: block; box-shadow: var(--shadow-sm); }
.category-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: var(--primary-light); text-decoration: none; color: var(--text); }
.category-card .card-icon { font-size: 2.2rem; margin-bottom: 0.8rem; display: block; }
.category-card h3 { font-family: var(--font-ui); font-size: 1rem; font-weight: 700; margin: 0 0 0.4rem; color: var(--primary); }
.category-card p { font-family: var(--font-ui); font-size: 0.82rem; color: var(--text-light); margin: 0; line-height: 1.45; }
.card-count { font-family: var(--font-ui); font-size: 0.72rem; font-weight: 600; color: var(--accent); margin-top: 0.6rem; }

.topic-section { margin-bottom: 3rem; }
.topic-section h2 { color: var(--primary); }
.article-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 0.8rem; margin-top: 1rem; }
.article-card { background: var(--white); border: 1px solid var(--neutral-200); border-radius: var(--radius); padding: 1rem 1.1rem; text-decoration: none; color: var(--text); transition: box-shadow 0.2s, border-color 0.2s; display: flex; flex-direction: column; gap: 0.3rem; }
.article-card:hover { box-shadow: var(--shadow-md); border-color: var(--primary-light); text-decoration: none; color: var(--text); }
.article-card .article-keyword { font-family: var(--font-ui); font-size: 0.9rem; font-weight: 600; color: var(--primary); line-height: 1.35; }
.article-card .article-desc { font-family: var(--font-ui); font-size: 0.78rem; color: var(--text-light); line-height: 1.4; }

.trust-bar { background: var(--primary); color: var(--white); padding: 0.7rem 1.2rem; text-align: center; font-family: var(--font-ui); font-size: 0.78rem; }
.trust-bar-inner { display: flex; justify-content: center; gap: 2rem; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 0.3rem; opacity: 0.9; }

footer { background: var(--neutral-900); color: rgba(255,255,255,0.7); padding: 2.5rem 1.2rem 1.5rem; margin-top: auto; }
.footer-inner { max-width: var(--max-w-wide); margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 2rem; margin-bottom: 2rem; }
.footer-col h5 { font-family: var(--font-ui); font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.07em; color: var(--white); margin-bottom: 0.8rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.35rem; }
.footer-col ul a { font-family: var(--font-ui); font-size: 0.82rem; color: rgba(255,255,255,0.65); text-decoration: none; }
.footer-col ul a:hover { color: var(--accent-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.2rem; font-family: var(--font-ui); font-size: 0.78rem; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 0.5rem; }
.footer-bottom a { color: rgba(255,255,255,0.5); text-decoration: none; }
.footer-bottom a:hover { color: var(--accent-light); }
.disclaimer { background: rgba(255,255,255,0.05); border-radius: var(--radius); padding: 1rem; margin-bottom: 1.5rem; font-family: var(--font-ui); font-size: 0.75rem; line-height: 1.5; color: rgba(255,255,255,0.55); }

.author-box { background: var(--neutral-50); border: 1px solid var(--neutral-200); border-radius: var(--radius); padding: 1rem 1.2rem; margin-top: 2rem; display: flex; gap: 1rem; align-items: flex-start; font-family: var(--font-ui); font-size: 0.83rem; color: var(--text-light); }
.author-avatar { width: 48px; height: 48px; border-radius: 50%; background: var(--primary); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; flex-shrink: 0; }
.author-name { font-weight: 700; color: var(--text); font-size: 0.9rem; }

@media (max-width: 768px) {
  .article-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .site-nav { display: none; }
  .site-nav.open { display: flex; flex-direction: column; position: absolute; top: 60px; left: 0; right: 0; background: var(--primary); padding: 1rem; z-index: 99; }
  .menu-toggle { display: block; }
  .trust-bar-inner { gap: 1rem; }
}
@media (max-width: 480px) {
  h1 { font-size: 1.55rem; }
  .article-content { padding: 1.2rem; }
  .cta-block { padding: 1.2rem; }
  .section-grid { grid-template-columns: 1fr; }
}
@media print { .site-header, .sidebar, footer, .cta-block, .cta-btn { display: none; } .article-content { box-shadow: none; border: none; } }