/*FONTS:START*/@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: italic;
  font-weight: 500;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-italic-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: italic;
  font-weight: 500;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-italic-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 800;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin-ext.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 800;
  font-display: swap;
  src: url(/assets/fonts/plus-jakarta-sans-normal-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/*FONTS:END*/
/*OPT:START*/h3.as-h4{font-size:18.5px;line-height:1.06}h2.as-h3{font-size:23px;line-height:1.15;margin:0}h2.as-h5{margin:0;line-height:inherit;letter-spacing:.05em}footer .brand-sub{color:#788e87}.cal-facade{min-width:280px;height:720px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;border:1.5px dashed var(--line);border-radius:16px;background:#fff;text-align:center;padding:24px}.cal-facade p{margin:0;color:var(--muted);font-size:14px;max-width:420px}.cal-facade button{font:inherit;font-weight:700;font-size:16px;padding:14px 26px;border-radius:12px;border:0;cursor:pointer;background:var(--gold-600);color:#fff}.cal-facade button:focus-visible{outline:3px solid var(--navy);outline-offset:3px}/*OPT:END*/
:root{
      --ink:#10241f; --navy:#005E52; --navy-700:#013f38; --navy-900:#00332d;
      --gold:#EB5B25; --gold-600:#cb4b19; --gold-100:#fbe1d5;
      --green:#178a6d; --green-tint:#e6f4ef;
      --sand:#f2f5f2; --paper:#ffffff; --line:#e4e9e5; --line-2:#eaefe9;
      --muted:#566661; --muted-2:#6a7671; --blue-tint:#e6f2ec;
    }
    *{box-sizing:border-box}
    body{margin:0;background:var(--paper);color:var(--ink);
      font-family:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
      font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
    /* hyphens:auto trennt lange Komposita ("Berufsunfaehigkeitsversicherung"),
       aber nur wenn der Platz nicht reicht — auf breiten Schirmen aendert sich
       nichts. overflow-wrap faengt ab, was sich nicht trennen laesst. */
    h1,h2,h3,h4,h2.as-h3,h3.as-h4{font-family:"Plus Jakarta Sans",system-ui,-apple-system,sans-serif;margin:0;letter-spacing:-.02em;line-height:1.06;font-weight:800;
      hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
    p{margin:0}
    a{color:var(--navy);text-decoration:none}
    a:hover{color:var(--gold-600)}
    img{max-width:100%;display:block}
    .wrap{max-width:1180px;margin:0 auto;padding:0 28px}

    /* Kopfbild der Ratgeber-Artikel: gleiche Breite wie die Textspalte (820px),
       12:5 statt 16:9 — sonst draengt es sich vor den Text. */
    .rtg-bild{max-width:820px;margin:30px auto 34px;padding:0}
    .rtg-bild img{display:block;width:100%;height:auto;aspect-ratio:12/5;object-fit:cover;
      border-radius:18px;background:var(--paper)}
    /* Steht das Kopfbild als letztes im Kopfbereich, kommt der Abstand nach
       unten aus dem Innenabstand der Section — sonst addieren sich beide. */
    .rtg-bild:last-child{margin-bottom:0}
    @media(max-width:760px){.rtg-bild{margin:22px auto 26px}.rtg-bild img{border-radius:14px}}
    .kicker{font-size:12.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-600)}
    .lead{font-size:19px;color:var(--muted);line-height:1.65}
    .eyebrow-line{display:inline-flex;align-items:center;gap:12px}
    .eyebrow-line::before{content:"";width:26px;height:2px;background:var(--gold)}

    /* buttons */
    .btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:16px;
      padding:15px 26px;border-radius:9px;cursor:pointer;transition:.18s ease;border:1.5px solid transparent;white-space:nowrap}
    .btn svg{width:18px;height:18px}
    .btn-gold{background:var(--gold);color:#231a06;border-color:var(--gold)}
    .btn-gold:hover{background:var(--gold-600);border-color:var(--gold-600);color:#fff;transform:translateY(-1px)}
    .btn-outline{background:transparent;color:var(--ink);border-color:#d7cfbe}
    .btn-outline:hover{border-color:var(--navy);color:var(--navy)}
    .btn-light{background:#fff;color:var(--navy);border-color:#fff}
    .btn-light:hover{background:var(--gold);border-color:var(--gold);color:#231a06;transform:translateY(-1px)}

    /* header */
    .topbar{background:var(--navy-900);color:#cfe0db;font-size:13.5px}
    .topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;height:42px}
    .topbar a{color:#cfe0db}.topbar a:hover{color:#fff}
    .topbar .tb-r{display:flex;gap:22px;align-items:center}
    .topbar .tb-item{display:inline-flex;gap:8px;align-items:center}
    .tb-social{display:flex;gap:14px;align-items:center;padding-left:16px;margin-left:2px;border-left:1px solid rgba(255,255,255,.16)}
    .tb-social a{display:grid;place-items:center;color:#cfe0db}
    .tb-social a:hover{color:#f47a4f}
    .tb-social svg{width:16px;height:16px}
    header.nav{position:sticky;top:0;z-index:60;background:rgba(247,249,247,.72);-webkit-backdrop-filter:saturate(170%) blur(18px);backdrop-filter:saturate(170%) blur(18px);border-bottom:1px solid rgba(255,255,255,.5);box-shadow:0 1px 0 var(--line)}
    header.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;height:88px}
    .brand{display:flex;flex-direction:column;align-items:flex-start;gap:6px}
    .logo{height:30px;width:auto;flex:none;display:flex;align-items:center}
    .logo svg{height:100%;width:auto;display:block}
    .brand-name{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:16px;letter-spacing:-.01em;color:var(--ink);line-height:1;white-space:nowrap}
    .brand-dot{color:#c2ccc7;font-weight:400}
    .brand-sub{font-size:13.5px;font-weight:500;letter-spacing:0;text-transform:none;color:var(--muted);white-space:nowrap}
    nav.main{display:flex;align-items:center;gap:6px}
    nav.main .lnk{font-weight:600;font-size:15.5px;color:var(--ink);padding:10px 15px;border-radius:8px;display:inline-flex;align-items:center;gap:6px;white-space:nowrap}
    nav.main .lnk:hover{color:var(--navy);background:var(--sand)}
    nav.main .lnk.active{color:var(--navy)}
    nav.main .lnk.active::after{content:"";display:block}
    .havd{position:relative}
    .havd .menu{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(8px);
      background:rgba(255,255,255,.82);-webkit-backdrop-filter:blur(18px) saturate(170%);backdrop-filter:blur(18px) saturate(170%);border:1px solid rgba(255,255,255,.6);border-radius:16px;box-shadow:0 24px 50px -18px rgba(0,50,45,.35), inset 0 1px 0 rgba(255,255,255,.7);
      padding:12px;min-width:320px;opacity:0;visibility:hidden;transition:.2s ease;z-index:70}
    .havd:hover .menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
    .menu a{display:flex;gap:12px;align-items:flex-start;padding:11px 14px;border-radius:10px;color:var(--ink);border-left:2px solid transparent}
    .menu a:hover{border-left-color:var(--gold)}
    .menu a:hover{background:var(--sand)}
    .menu a .mt{display:block;font-weight:600;font-size:15px;line-height:1.3}
    .menu a .md{display:block;margin-top:3px;font-size:12.5px;line-height:1.35;color:var(--muted-2)}
    .chev{width:15px;height:15px;transition:transform .2s}
    .havd:hover .chev{transform:rotate(180deg)}
    /* mobile nav */
    .navtoggle{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);align-items:center;justify-content:center;cursor:pointer;flex:none;padding:0}
    .navtoggle svg{width:24px;height:24px}
    .mnav{display:none;flex-direction:column;padding:10px 20px 22px;background:rgba(247,249,247,.9);-webkit-backdrop-filter:blur(18px) saturate(170%);backdrop-filter:blur(18px) saturate(170%);border-top:1px solid rgba(255,255,255,.5);gap:2px}
    .mnav a{padding:12px;font-weight:600;font-size:16px;color:var(--ink);border-radius:9px}
    .mnav a:active,.mnav a:hover{background:var(--sand)}
    .mnav .mlabel{font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted-2);padding:14px 12px 4px}
    .mnav .msub{display:block;padding-left:24px;font-weight:500;color:var(--muted)}
    .mnav .mdrop{border:0}
    .mnav .mdrop summary{list-style:none;cursor:pointer;padding:12px;font-weight:600;font-size:16px;color:var(--ink);border-radius:9px;display:flex;align-items:center;justify-content:space-between;gap:10px}
    .mnav .mdrop summary::-webkit-details-marker{display:none}
    .mnav .mdrop summary:hover{background:rgba(0,94,82,.06)}
    .mnav .mdrop .mchev{width:20px;height:20px;color:var(--muted-2);transition:transform .2s ease;flex:none}
    .mnav .mdrop[open] .mchev{transform:rotate(180deg)}
    .mnav-social{display:flex;gap:10px;padding:16px 12px 4px}
    .mnav-social a{width:44px;height:44px;padding:0;display:grid;place-items:center;background:var(--sand);border-radius:10px;color:var(--navy)}
    .mnav-social svg{width:20px;height:20px}
    body.mnav-open .mnav{display:flex}

    /* generic */
    section{position:relative}
    .band-sand{background:var(--sand)}
    .band-navy{background:var(--navy-900);color:#eaf0f9}
    .sec-pad{padding:104px 0}
    .sec-head{max-width:760px}
    .sec-head h1,.sec-head h2{font-size:clamp(30px,3.4vw,44px);margin:14px 0 0}
    .grid{display:grid;gap:22px}

    /* hero */
    .hero{background:
      radial-gradient(120% 90% at 88% -10%, #eaf4ef 0%, rgba(234,244,239,0) 55%),
      linear-gradient(180deg,#f3f6f3 0%, #eaf1ec 100%)}
    .hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding:74px 28px 84px}
    .hero h1{font-size:clamp(38px,5vw,66px);font-weight:800;color:var(--ink)}
    .hero h1 em{font-style:normal;color:var(--navy);position:relative}
    .hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:.06em;height:.14em;background:var(--gold-100);z-index:-1}
    .hero .lead{margin-top:22px;max-width:520px}
    .hero-cta{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap}
    .hero-meta{display:flex;gap:26px;margin-top:30px;flex-wrap:wrap}
    .hero-meta .hm{display:flex;gap:10px;align-items:center;font-size:14.5px;color:var(--muted);font-weight:500}
    .hero-meta .hm svg{width:19px;height:19px;color:var(--green);flex:none}

    /* portrait */
    .portrait-stage{position:relative}
    .portrait{position:relative;aspect-ratio:4/5;border-radius:22px;overflow:hidden;
      background:linear-gradient(160deg,#e3efe9 0%,#d6e6de 45%,#e9efe6 100%);
      border:1px solid #d3e0d8;box-shadow:0 40px 80px -40px rgba(0,50,45,.4)}
    .portrait .ph-in{position:absolute;inset:16px;border:1.5px dashed #b6c8bf;border-radius:16px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;color:#7f8f88;text-align:center;padding:20px}
    .portrait .ph-in svg{width:88px;height:88px;opacity:.9}
    .portrait .ph-tag{font-size:13px;font-weight:600;letter-spacing:.03em;color:#6f7e77}
    .portrait .ph-chip{position:absolute;top:16px;left:16px;background:rgba(16,36,31,.72);color:#fff;font-size:11.5px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;padding:6px 11px;border-radius:999px;backdrop-filter:blur(4px)}
    .badge-float{position:absolute;left:-22px;bottom:34px;background:rgba(255,255,255,.72);-webkit-backdrop-filter:blur(16px) saturate(170%);backdrop-filter:blur(16px) saturate(170%);border:1px solid rgba(255,255,255,.65);border-radius:16px;
      box-shadow:0 26px 50px -24px rgba(0,50,45,.4), inset 0 1px 0 rgba(255,255,255,.7);padding:13px 17px;display:flex;gap:13px;align-items:center;max-width:305px}
    .badge-float .ihklogo{height:32px;width:auto;border-radius:4px;flex:none}
    .badge-float .bq{width:3px;align-self:stretch;background:var(--gold);border-radius:2px;flex:none}
    .badge-float .bcreds{display:flex;flex-direction:column;gap:3px}
    .badge-float .bcreds div{font-size:12.5px;font-weight:600;color:var(--ink);line-height:1.3;letter-spacing:-.005em;white-space:nowrap}
    .badge-tr{position:absolute;right:-14px;top:26px;background:rgba(255,255,255,.72);-webkit-backdrop-filter:blur(16px) saturate(170%);backdrop-filter:blur(16px) saturate(170%);border:1px solid rgba(255,255,255,.65);border-radius:14px;
      box-shadow:0 20px 40px -22px rgba(0,50,45,.35), inset 0 1px 0 rgba(255,255,255,.7);padding:11px 15px}
    .badge-tr .rt{display:flex;gap:3px;color:var(--gold)}
    .badge-tr .rt svg{width:16px;height:16px}
    .badge-tr .rl{font-size:12px;color:var(--muted);margin-top:5px;font-weight:600}

    /* trust stats */
    .stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff;
      box-shadow:0 30px 60px -45px rgba(15,44,82,.4)}
    .stat{padding:30px 26px;border-right:1px solid var(--line)}
    .stat:last-child{border-right:none}
    .stat .sv{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:34px;color:var(--navy);line-height:1;display:flex;align-items:center;gap:8px}
    .stat .sv .stars{display:flex;gap:2px;color:var(--gold)}
    .stat .sv .stars svg{width:19px;height:19px}
    .stat .sl{font-weight:700;font-size:14px;margin-top:12px;letter-spacing:.02em}
    .stat .ss{font-size:13px;color:var(--muted-2);margin-top:3px}
    .stat.partner .sv{font-size:26px;color:var(--gold-600)}

    /* about */
    .about{display:grid;grid-template-columns:.82fr 1.18fr;gap:56px;align-items:center}
    .about .pf{aspect-ratio:1/1;border-radius:20px;background:linear-gradient(160deg,#e3efe9,#e6ede7);border:1px solid #d3e0d8;
      display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;color:#7f8f88}
    .about .pf svg{width:76px;height:76px}
    .about .pf .ph-tag{font-size:12.5px;font-weight:600;color:#6f7e77}
    .quals{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px 30px;margin-top:22px}
    .qual{display:inline-flex;gap:11px;align-items:center;background:none;border:0;border-radius:0;padding:0;font-size:15px;font-weight:600;color:var(--ink)}
    .qual svg{width:18px;height:18px;color:var(--green);flex:none}
    .sig{margin-top:26px;font-family:"Plus Jakarta Sans",sans-serif;font-size:26px;color:var(--navy);font-weight:700;letter-spacing:-.01em}

    /* services */
    .feat{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
    .fcard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:0;position:relative;overflow:hidden;transition:.22s ease}
    .fcard .fcard-b{padding:32px}
    .fcard::before{content:"";position:absolute;top:0;left:0;width:44px;height:3px;background:var(--gold);border-radius:0 0 3px 0;opacity:.9}
    .fcard .card-media::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(9,38,32,.22),rgba(9,38,32,0) 42%);pointer-events:none}
    /* zentrierte Eyebrow-Zeilen (Unterseiten): linken Strich weg -> symmetrisch */
    .eyebrow-line[style*="center"]::before{display:none}
    .fcard:hover{transform:translateY(-4px);box-shadow:0 34px 60px -40px rgba(15,44,82,.5);border-color:#dcd4c3}
    .fcard h3,
    .fcard h2.as-h3{font-size:23px;line-height:1.15}
    .fcard p{color:var(--muted);margin-top:12px;font-size:16px}
    .fbul{list-style:none;padding:0;margin:20px 0 24px;display:flex;flex-direction:column;gap:11px}
    .fbul li{display:flex;gap:11px;align-items:flex-start;font-size:15px;color:var(--ink)}
    .fbul li svg{width:19px;height:19px;color:var(--green);flex:none;margin-top:2px}
    .flink{display:inline-flex;gap:9px;align-items:center;font-weight:700;font-size:15.5px;color:var(--navy)}
    .flink svg{width:17px;height:17px;transition:transform .18s}
    .fcard:hover .flink svg{transform:translateX(4px)}

    .svc-grid{grid-template-columns:repeat(3,1fr);margin-top:40px}
    .svc{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:.2s ease;display:flex;flex-direction:column}
    .svc:hover{transform:translateY(-3px);box-shadow:0 28px 50px -38px rgba(0,50,45,.4);border-color:#d3ddd6}
    .svc .svc-b{padding:22px 22px 26px}
    .svc h4,
    .svc h3.as-h4{font-size:18.5px}
    .svc p{color:var(--muted);font-size:14.5px;margin-top:9px}
    .svc .stag{display:inline-block;margin-top:14px;font-size:12.5px;font-weight:700;color:var(--gold-600)}
    /* image cards */
    .card-media{aspect-ratio:16/10;overflow:hidden;position:relative;background:var(--blue-tint)}
    .card-media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .55s ease}
    .svc:hover .card-media img,.fcard:hover .card-media img,.zcard:hover .card-media img{transform:scale(1.05)}
    .card-ic{position:absolute;left:16px;bottom:16px;width:40px;height:40px;border-radius:999px;
      background:rgba(0,51,45,.48);backdrop-filter:blur(7px) saturate(140%);-webkit-backdrop-filter:blur(7px) saturate(140%);
      border:1px solid rgba(255,255,255,.42);color:#fff;display:grid;place-items:center}
    .card-ic svg{width:19px;height:19px}
    /* tier band */
    .tierband-card{display:grid;grid-template-columns:1.05fr .95fr;align-items:stretch;border:1px solid var(--line);border-radius:24px;overflow:hidden;background:#fff;box-shadow:0 34px 70px -45px rgba(0,50,45,.45)}
    .tierband-card .tb-media{position:relative;min-height:360px}
    .tierband-card .tb-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
    .tierband-card .tb-content{padding:52px}
    .tierband-card .tb-content h2{font-size:clamp(26px,2.8vw,36px);margin:14px 0 0}

    /* zusatz on navy */
    .band-navy .kicker{color:#f47a4f}
    .band-navy h2{color:#fff}
    .band-navy .lead{color:#b9c6db}
    .zgrid{grid-template-columns:repeat(4,1fr);margin-top:44px}
    .zcard{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:16px;overflow:hidden;padding:0;transition:.2s ease}
    .zcard:hover{background:rgba(255,255,255,.07);transform:translateY(-3px)}
    .zcard .zcard-b{padding:26px 26px 30px}
    .zcard h4,
    .zcard h3.as-h4{font-size:19px;color:#fff}
    .zcard p{color:#b9c6db;font-size:14.5px;margin-top:10px}

    /* reviews */
    .rev-head{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;flex-wrap:wrap}
    .rev-score{display:flex;align-items:center;gap:18px}
    .rev-score .big{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:56px;color:var(--navy);line-height:.9}
    .rev-score .rt{display:flex;gap:3px;color:var(--gold);justify-content:center}
    .rev-score .rt svg{width:20px;height:20px}
    .rev-cards{grid-template-columns:repeat(3,1fr);margin-top:40px}
    .rcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px}
    .rcard .rt{display:flex;gap:3px;color:var(--gold);margin-bottom:14px}
    .rcard .rt svg{width:17px;height:17px}
    .rcard .rq{font-size:15.5px;color:var(--ink);line-height:1.55}
    .rcard .rmeta{display:flex;gap:12px;align-items:center;margin-top:20px}
    .rcard .rav{width:40px;height:40px;border-radius:999px;background:var(--blue-tint);color:var(--navy);display:grid;place-items:center;font-weight:700;flex:none}
    .rcard .rn{font-weight:700;font-size:14.5px}
    .rcard .rd{font-size:12.5px;color:var(--muted-2)}
    .ph-note{font-size:12px;color:var(--muted-2);font-style:italic;margin-top:14px}

    /* ablauf */
    .steps{display:grid;grid-template-columns:repeat(4,1fr);margin-top:46px;border-top:1px solid #d8e0da}
    .step{padding:26px 26px 0 0;border-right:1px solid #d8e0da}
    .step + .step{padding-left:26px}
    .step:last-child{border-right:none;padding-right:0}
    .stepn{font-weight:800;font-size:14px;letter-spacing:.16em;color:var(--gold-600)}
    .step h4,
    .step h3.as-h4{font-size:19px;margin:13px 0 0}
    .step p{color:var(--muted);font-size:15px;margin-top:9px}
    .steps-note{display:flex;flex-direction:column;gap:11px;align-items:center;text-align:center;margin:36px auto 0;padding:18px 22px;background:#fff;border:1px solid var(--line);border-radius:12px;max-width:760px;font-size:15px;color:var(--muted);line-height:1.6}
    .steps-note svg{width:19px;height:19px;color:var(--green);flex:none;margin-top:3px}

    /* contact */
    .contact{background:
      radial-gradient(90% 120% at 100% 0%, rgba(235,91,37,.16) 0%, rgba(235,91,37,0) 50%),
      linear-gradient(180deg,var(--navy-700),var(--navy-900))}
    .contact .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
    .contact h2{font-size:clamp(30px,3.6vw,46px);color:#fff}
    .contact .lead{color:#c3cfe2;margin-top:18px}
    .cinfo{display:flex;flex-direction:column;gap:16px;margin-top:34px}
    .cinfo a,.cinfo div{display:flex;gap:14px;align-items:center;color:#eaf0f9;font-size:16px;font-weight:500}
    .cinfo .ci{width:44px;height:44px;border-radius:11px;background:rgba(255,255,255,.08);color:#7ad3bb;display:grid;place-items:center;flex:none}
    .cinfo .ci svg{width:20px;height:20px}
    .ccard{background:#fff;border-radius:20px;padding:34px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
    .ccard h3,
    .ccard h2.as-h3{font-size:22px}
    .ccard p{color:var(--muted);margin-top:8px;font-size:15px}
    .fld{margin-top:16px}
    .fld label{font-size:13px;font-weight:600;color:var(--ink)}
    .fld .inp{margin-top:6px;height:48px;border:1px solid var(--line);border-radius:10px;background:var(--sand);display:flex;align-items:center;padding:0 15px;color:var(--muted-2);font-size:15px}
    .fld .inp.area{height:84px;align-items:flex-start;padding-top:13px}
    .ccard .btn{width:100%;justify-content:center;margin-top:20px}

    /* footer */
    footer{background:var(--ink);color:#a4b4ad;font-size:14.5px}
    footer .wrap{padding:66px 28px 30px}
    .fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
    footer .brand-name{color:#fff}
    footer h5,
    footer h2.as-h5{font-family:"Plus Jakarta Sans",sans-serif;color:#fff;font-size:14px;letter-spacing:.05em;text-transform:uppercase;margin:0 0 16px;font-weight:700}
    footer .fl{display:flex;flex-direction:column;gap:10px}
    footer a{color:#a4b4ad}footer a:hover{color:#f47a4f}
    footer .fabout{max-width:300px;margin-top:16px;color:#899a93;line-height:1.6}
    .fsocial{display:flex;gap:11px;margin-top:20px}
    .fsocial a{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.06);display:grid;place-items:center;color:#c3cec9;transition:.18s}
    .fsocial a:hover{color:#fff;background:#EB5B25}
    .fsocial svg{width:19px;height:19px}
    .fcred{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:22px}
    .fcred span{font-size:12.5px;color:#899a93;display:inline-flex;gap:7px;align-items:center}
    .fcred svg{width:14px;height:14px;color:var(--green)}
    .flegal{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);font-size:12.5px;line-height:1.75;color:#7d8b84;max-width:920px}
    .flegal a{color:#9fb0a9;text-decoration:underline}
    .fbot{margin-top:18px;padding-top:0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:#899a93}
    .fbot .fb-links{display:flex;gap:22px}

    /* reveal + hero entrance */
    @media (prefers-reduced-motion: no-preference){
      .rise{transform:translateY(16px);animation:rise .8s cubic-bezier(.2,.7,.2,1) forwards}
      .rise.d1{animation-delay:.06s}.rise.d2{animation-delay:.14s}.rise.d3{animation-delay:.22s}.rise.d4{animation-delay:.32s}.rise.d5{animation-delay:.42s}
      @keyframes rise{to{transform:none}}
      /* Scroll-Einblendung per IntersectionObserver (funktioniert auch in Safari/iOS) */
      .js-anim .reveal{opacity:0;transform:translateY(22px);
        transition:opacity .7s cubic-bezier(.2,.7,.2,1), transform .7s cubic-bezier(.2,.7,.2,1)}
      .js-anim .reveal.in{opacity:1;transform:none}
    }

    @media (max-width:960px){
      .hero .wrap{grid-template-columns:1fr;gap:40px;padding:52px 28px 64px}
      .portrait-stage{max-width:440px}
      .stats{grid-template-columns:repeat(2,1fr)}
      .stat:nth-child(2){border-right:none}.stat:nth-child(1),.stat:nth-child(2){border-bottom:1px solid var(--line)}
      .about{grid-template-columns:1fr;gap:34px}
      .feat{grid-template-columns:1fr}
      .svc-grid,.zgrid,.rev-cards{grid-template-columns:1fr 1fr}
      .offer-grid{grid-template-columns:repeat(2,1fr)}
      .contact .wrap{grid-template-columns:1fr}
      .tierband-card{grid-template-columns:1fr}
      .tierband-card .tb-media{min-height:240px}
      .tierband-card .tb-content{padding:36px}
      .fgrid{grid-template-columns:1fr 1fr}
      .steps{grid-template-columns:1fr}
      .step{border-right:none;border-bottom:1px solid #d8e0da;padding:22px 0}
      .step + .step{padding-left:0}
      .step:last-child{border-bottom:none}
      nav.main,.topbar{display:none}
      .navtoggle{display:inline-flex}
      .sec-pad{padding:76px 0}
    }
    @media (max-width:620px){
      .svc-grid,.zgrid,.rev-cards,.fgrid,.stats,.vgrid,.pain-grid,.offer-grid{grid-template-columns:1fr}
      .stat{border-right:none;border-bottom:1px solid var(--line)}
      .badge-float{left:12px}
      header.nav .btn-gold{display:none}
      .wrap{padding:0 20px}
    }

    /* Vorteile */
    .vgrid{grid-template-columns:repeat(3,1fr);margin-top:46px}
    .vcard{text-align:center;padding:6px 10px}
    .vcard .vic{width:66px;height:66px;border-radius:18px;margin:0 auto 20px;display:grid;place-items:center;
      background:rgba(23,138,109,.10);color:var(--navy);border:1px solid rgba(23,138,109,.16)}
    .vcard .vic svg{width:31px;height:31px}
    /* Fotokachel statt Icon: die Bilder sind randlose Quadrate -> weisser Rand,
       Rundung und Schatten kommen aus dem CSS, damit nichts abgeschnitten wird. */
    .vcard .vic-foto{width:104px;height:104px;border-radius:26px;background:#fff;
      border:none;padding:5px;margin:0 auto 18px;display:block;
      box-shadow:0 10px 22px -12px rgba(11,31,45,.45)}
    .vcard .vic-foto img{width:100%;height:100%;display:block;object-fit:cover;border-radius:21px}
    @media(max-width:900px){ .vcard .vic-foto{width:92px;height:92px;border-radius:23px} }
    .vcard h3,
    .vcard h2.as-h3{font-size:20px}
    .vcard p{color:var(--muted);margin-top:11px;font-size:15px}
    /* Beitragsanpassung-Callout */
    .bap{margin-top:40px;display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap;
      background:linear-gradient(120deg,var(--navy),var(--navy-900));color:#fff;border-radius:20px;padding:34px 40px;
      box-shadow:0 30px 60px -40px rgba(0,50,45,.5)}
    .bap .bap-t{flex:1 1 420px}
    .bap .bap-k{font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#f47a4f}
    .bap h3,
    .bap h2.as-h3{color:#fff;font-size:23px;margin-top:8px}
    .bap p{color:#c3d3cf;margin-top:9px;font-size:15.5px;max-width:660px}
    .bap .btn{flex:none}
    .pkv-note{display:flex;gap:14px;align-items:flex-start;background:var(--sand);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin-top:26px}
    .pkv-note svg{width:24px;height:24px;color:var(--green);flex:none;margin-top:1px}
    .pkv-note p{font-size:15px;color:var(--muted);line-height:1.55}
    .pkv-note strong{color:var(--ink);font-weight:700}
    /* Logos */
    .glogo{height:18px;width:auto;vertical-align:-4px;margin-right:7px}

    /* ── Premium: Zugänglichkeit, Fokus, Smooth-Scroll ── */
    html{scroll-behavior:smooth}
    @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
    a:focus-visible,button:focus-visible,summary:focus-visible,.btn:focus-visible{outline:2px solid var(--gold-600);outline-offset:3px;border-radius:6px}
    .skip{position:absolute;left:14px;top:-64px;z-index:300;background:var(--navy);color:#fff;padding:11px 18px;border-radius:10px;font-weight:600;text-decoration:none;transition:top .2s}
    .skip:focus{top:14px;color:#fff}
    /* Problem / Ausgangslage */
    .pain-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:44px}
    .pain{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 26px;transition:transform .2s,box-shadow .2s}
    .pain:hover{transform:translateY(-2px);box-shadow:0 24px 44px -34px rgba(0,50,45,.4)}
    .pain .px{width:44px;height:44px;border-radius:12px;flex:none;display:grid;place-items:center;background:rgba(235,91,37,.10);color:var(--gold-600)}
    .pain .px svg{width:23px;height:23px}
    .pain h4,
    .pain h3.as-h4{font-size:17.5px}
    .pain p{color:var(--muted);font-size:14.5px;margin-top:6px;line-height:1.6}
    /* FAQ (natives Akkordeon) */
    .faq{max-width:820px;margin:44px auto 0;display:flex;flex-direction:column;gap:12px}
    .faq details{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:border-color .2s,box-shadow .2s}
    .faq details[open]{border-color:#d3ddd6;box-shadow:0 22px 46px -34px rgba(0,50,45,.4)}
    .faq summary{list-style:none;cursor:pointer;padding:20px 24px;display:flex;justify-content:space-between;align-items:center;gap:16px;font-weight:600;font-size:16.5px;color:var(--ink)}
    .faq summary::-webkit-details-marker{display:none}
    .faq summary .fq-ic{width:28px;height:28px;flex:none;border-radius:50%;background:var(--sand);color:var(--navy);display:grid;place-items:center;transition:transform .25s,background .2s,color .2s}
    .faq summary .fq-ic svg{width:16px;height:16px}
    .faq details[open] summary .fq-ic{transform:rotate(45deg);background:var(--gold);color:#231a06}
    .faq .fq-a{padding:2px 24px 22px;color:var(--muted);font-size:15px;line-height:1.68}

    /* -- Mehrseitig: Seiten-Routing -- */
    .page[hidden]{display:none}
    .subbar{background:var(--sand);border-bottom:1px solid var(--line)}
    .subbar .wrap{padding:15px 28px}
    .backlink{display:inline-flex;gap:8px;align-items:center;font-weight:600;font-size:14.5px;color:var(--navy)}
    .backlink svg{width:17px;height:17px}
    .offer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:44px}
    .offer{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px 24px;transition:transform .2s,box-shadow .2s;overflow:hidden}
    .offer:hover{transform:translateY(-4px);box-shadow:0 30px 56px -40px rgba(0,50,45,.5);border-color:#d3ddd6}
    .offer-ic{width:52px;height:52px;border-radius:13px;background:var(--navy);color:#fff;display:grid;place-items:center;margin:0 auto 18px}
    .offer-ic svg{width:26px;height:26px}
    /* Bild-Banner quer ueber die Kachel (bleedet bis an die Kachelraender) */
    .offer-img{margin:-28px -24px 18px;aspect-ratio:16/10;overflow:hidden;background:var(--blue-tint)}
    .offer-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease}
    .offer:hover .offer-img img{transform:scale(1.04)}
    .portrait img{width:100%;height:100%;object-fit:cover;display:block}
    .about .pf{overflow:hidden}
    .about .pf img{width:100%;height:100%;object-fit:cover;display:block}
    .offer h3,
    .offer h2.as-h3{font-size:19px;line-height:1.2;text-align:center}
    .offer-list{list-style:none;padding:0;margin:14px 0 22px;display:flex;flex-direction:column;gap:9px;flex-grow:1}
    .offer-list li{position:relative;padding-left:20px;font-size:14.5px;color:var(--muted);line-height:1.4}
    .offer-list li::before{content:"";position:absolute;left:2px;top:8px;width:6px;height:6px;border-radius:50%;background:var(--green)}
    .offer-cta{display:flex;flex-direction:column;gap:9px;margin-top:auto}
    .btn-sm{padding:11px 18px;font-size:14.5px;justify-content:center}

    /* -- Finale: Bild-Ausschnitt, Slider, Formular, Wellen -- */
    img[alt="Hund und Katze zu Hause"],img[alt="Tierkrankenversicherung"]{object-position:20% center}
    .rev-score .rev-meta{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--muted);margin-top:8px;font-weight:600;justify-content:center}
    .glogo{height:18px;width:auto;display:inline-block;vertical-align:middle}
    .rev-link{display:inline-flex;gap:7px;align-items:center;font-weight:700;font-size:14px;color:var(--gold-600);margin-top:12px}
    .rev-score{flex-direction:column;align-items:center;gap:10px;text-align:center}
    .rev-marquee{margin-top:44px;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
    .rev-track{display:flex;gap:20px;width:max-content;animation:revscroll 60s linear infinite}
    .rev-marquee:hover .rev-track{animation-play-state:paused}
    @keyframes revscroll{from{transform:translateX(-50%)}to{transform:translateX(0)}}
    .rev-marquee .rcard{width:340px;flex:none;margin:0}
    .fld label{display:block;margin-bottom:6px}
    .finput{width:100%;height:48px;border:1px solid var(--line);border-radius:10px;background:var(--sand);padding:0 15px;font-size:15px;color:var(--ink);font-family:inherit;transition:border-color .15s,box-shadow .15s}
    .finput.area{height:104px;padding:12px 15px;resize:vertical}
    .finput::placeholder{color:var(--muted-2)}
    .finput:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,94,82,.12)}
    .finput.invalid{border-color:#d64528;box-shadow:0 0 0 3px rgba(214,69,40,.12)}
    .fhint{font-size:12px;color:var(--muted-2);margin-top:12px;line-height:1.5}
    .fok{margin-top:14px;padding:12px 15px;background:var(--green-tint);color:#0a5c46;border-radius:10px;font-size:14px;font-weight:600}
    .contact .wrap{position:relative;z-index:1}
    /* Formular-Zusaetze (getrennte Felder, Consent, Calendly) */
    .hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0;overflow:hidden}
    .req{color:var(--gold-600);font-weight:700}
    .opt{font-weight:500;color:var(--muted-2);font-size:12px}
    .consent{display:flex;gap:10px;align-items:flex-start;margin-top:18px;cursor:pointer;font-size:13px;color:var(--muted);line-height:1.5}
    .consent input{margin-top:2px;width:18px;height:18px;flex:none;accent-color:var(--navy);cursor:pointer}
    .consent a{color:var(--navy);text-decoration:underline}
    .calbox{margin-top:30px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:12px;box-shadow:0 40px 80px -50px rgba(0,0,0,.45)}
    .calbox .calendly-inline-widget{width:100%;min-width:280px;border-radius:12px;overflow:hidden}
    .cal-fallback{text-align:center;font-size:13px;color:var(--muted-2);margin:12px 0 4px}
    .cal-fallback a{color:var(--navy);font-weight:600}
    /* Fix Mobile: diese drei Grids stehen in der CSS NACH den Media-Queries und ueberschrieben sie -> hier mit denselben Breakpoints nachgezogen (verhindert horizontalen Ueberlauf) */
    @media (max-width:960px){ .offer-grid{grid-template-columns:repeat(2,1fr)} }
    @media (max-width:620px){
      /* minmax(0,1fr) verhindert, dass lange Inhalte (z. B. Buttons) die Spalte breiter als den Bildschirm machen */
      .offer-grid,.vgrid,.pain-grid,.tierband-card{grid-template-columns:minmax(0,1fr)}
      /* lange Buttons duerfen auf dem Handy umbrechen statt ueberzulaufen */
      .btn{white-space:normal}
    }
    /* Sicherheitsnetz gegen seitliches Verschieben der Seite (clip statt hidden -> bricht position:sticky nicht) */
    html,body{overflow-x:clip}
    /* fellguard-Verweis als echter Link */
    a.stag{text-decoration:none;cursor:pointer}
    a.stag:hover{text-decoration:underline}
    .cwaves{position:absolute;left:0;right:0;bottom:0;height:200px;z-index:0;pointer-events:none;overflow:hidden}
    .cwaves svg{position:absolute;bottom:0;left:0;width:200%;height:100%;will-change:transform}
    .cw1{animation:cwmove 48s linear infinite}
    .cw2{animation:cwmove 72s linear infinite reverse}
    .cw3{animation:cwmove 60s linear infinite}
    @keyframes cwmove{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
    @media (prefers-reduced-motion:reduce){.cw1,.cw2,.cw3,.rev-track{animation:none}}

    /* legal overlays (Impressum / Datenschutz) */
    .legal{position:fixed;inset:0;z-index:200;display:none;overflow-y:auto;padding:5vh 18px;
      background:rgba(16,36,31,.55);-webkit-backdrop-filter:blur(3px);backdrop-filter:blur(3px)}
    .legal:target{display:block}
    .legal-bg{position:fixed;inset:0;cursor:pointer}
    .legal-card{position:relative;z-index:1;max-width:820px;margin:0 auto;background:#fff;border-radius:18px;
      padding:44px clamp(22px,5vw,56px);box-shadow:0 50px 100px -30px rgba(0,0,0,.55)}
    .legal-x{position:absolute;top:16px;right:18px;width:38px;height:38px;border-radius:10px;background:var(--sand);
      color:var(--ink);display:grid;place-items:center;font-size:20px;line-height:1;text-decoration:none}
    .legal-x:hover{background:var(--gold);color:#231a06}
    .legal-card h1,.legal-card h2{font-size:clamp(26px,4vw,32px)}
    .legal-sub{font-size:12.5px;color:var(--muted-2);margin-top:4px;text-transform:uppercase;letter-spacing:.08em;font-weight:600}
    .legal-card h3,
    .legal-card h2.as-h3{font-size:17px;color:var(--navy);margin:26px 0 4px}
    .legal-card p{font-size:14.5px;color:var(--muted);line-height:1.7;margin-top:8px}
    .legal-card strong{color:var(--ink)}
    .legal-card a{color:var(--navy);text-decoration:underline}
    .legal-note{margin-top:26px;padding:14px 18px;background:var(--sand);border-radius:10px;font-size:13px;color:var(--muted);border:1px solid var(--line)}
  
.skip{position:absolute;left:12px;top:-64px;z-index:2000;background:var(--navy-900);color:#fff;font-weight:700;font-size:15px;padding:12px 18px;border-radius:0 0 10px 10px;text-decoration:none;transition:top .18s ease}
.skip:focus{top:0}
.skip:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
#main{scroll-margin-top:90px}
@media (prefers-reduced-motion:reduce){.skip{transition:none}}