/* ============================================
   IK Finanzservices – Design System
   Colors: Navy #1B2A4A, Gold #C5A55A
   ============================================ */

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

:root {
  --navy: #1B2A4A;
  --navy-light: #2A3F6A;
  --gold: #C5A55A;
  --gold-light: #D4BA7A;
  --gold-bg: #FAF6EE;
  --white: #FFFFFF;
  --bg-light: #F5F7FA;
  --text-dark: #2D3436;
  --text-muted: #636E72;
  --border: #E0E4E8;
  --shadow: 0 2px 20px rgba(27, 42, 74, 0.08);
  --shadow-hover: 0 8px 30px rgba(27, 42, 74, 0.15);
  --radius: 8px;
  --transition: 0.3s ease;
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* --- Typography --- */
h1, h2, h3, h4 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}

h1 { font-size: 2.8rem; margin-bottom: 1rem; }
h2 { font-size: 2rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.35rem; margin-bottom: 0.5rem; }
h4 { font-size: 1.1rem; margin-bottom: 0.5rem; }

p { margin-bottom: 1rem; }

.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--text-muted); }

/* --- Buttons --- */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  text-align: center;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.btn-primary:hover {
  background: var(--navy-light);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
}

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

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-gold {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}

.btn-gold:hover {
  background: var(--gold-light);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
}

/* --- Navigation --- */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: var(--white);
  box-shadow: 0 1px 10px rgba(0,0,0,0.06);
  transition: all var(--transition);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.navbar-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
}

.navbar-logo:hover { color: var(--navy); }

.navbar-logo .logo-icon {
  width: 70px;
  height: 70px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.navbar-logo .logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.navbar-logo .logo-text .brand-name {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
}

.navbar-logo .logo-text .brand-sub {
  font-size: 0.7rem;
  font-weight: 400;
  color: var(--text-muted);
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-dark);
  position: relative;
  padding: 4px 0;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-links a:hover { color: var(--navy); }
.nav-links a.active { color: var(--navy); font-weight: 600; }

.nav-links .btn {
  padding: 10px 24px;
  font-size: 0.9rem;
  color: var(--white) !important;
}

.nav-links .btn::after {
  display: none;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  margin: 6px 0;
  transition: all var(--transition);
}

/* --- Hero Section --- */
.hero {
  padding: 160px 0 100px;
  background: linear-gradient(135deg, var(--white) 0%, var(--bg-light) 100%);
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(197, 165, 90, 0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.hero .container {
  display: flex;
  align-items: center;
  gap: 60px;
}

.hero-content {
  flex: 1;
  position: relative;
  z-index: 1;
}

.hero-overline {
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.hero h1 {
  font-size: 3rem;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero h1 .highlight {
  color: var(--gold);
  position: relative;
}

.hero p {
  font-size: 1.15rem;
  color: var(--text-muted);
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-visual {
  flex: 0 0 420px;
  position: relative;
  z-index: 1;
}

.hero-card {
  background: var(--white);
  border-radius: 16px;
  padding: 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}

.hero-card .card-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
}

.hero-card .card-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-bg);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}

.hero-card .card-title {
  font-weight: 600;
  color: var(--navy);
}

.hero-card .card-subtitle {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.stat-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}

.stat-row:last-child { border-bottom: none; }

.stat-label {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.stat-value {
  font-weight: 700;
  color: var(--navy);
  font-size: 1.1rem;
}

.stat-value.positive { color: #27ae60; }

/* --- Section Styles --- */
.section {
  padding: 100px 0;
}

.section-alt {
  background: var(--bg-light);
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 60px;
}

.section-header .overline {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-header p {
  color: var(--text-muted);
  font-size: 1.05rem;
}

/* --- Service Cards --- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  border: 1px solid var(--border);
  transition: all var(--transition);
  position: relative;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-color: var(--gold);
}

.service-icon {
  width: 52px;
  height: 52px;
  background: var(--gold-bg);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
}

.service-card h3 {
  margin-bottom: 12px;
}

.service-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 0;
}

/* --- Gründerbonus Banner --- */
.gruenderbonus {
  background: var(--navy);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}

.gruenderbonus::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(197, 165, 90, 0.15) 0%, transparent 70%);
  border-radius: 50%;
}

.gruenderbonus .container {
  display: flex;
  align-items: center;
  gap: 60px;
  position: relative;
  z-index: 1;
}

.gruenderbonus-content {
  flex: 1;
}

.gruenderbonus .overline {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.gruenderbonus h2 {
  color: var(--white);
  font-size: 2.2rem;
  margin-bottom: 16px;
}

.gruenderbonus p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  max-width: 500px;
}

.gruenderbonus-card {
  flex: 0 0 360px;
  background: rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 36px;
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(10px);
}

.gruenderbonus-card .price-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 4px;
}

.gruenderbonus-card .price-old {
  font-size: 1.3rem;
  color: rgba(255,255,255,0.4);
  text-decoration: line-through;
  margin-bottom: 4px;
}

.gruenderbonus-card .price-new {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 4px;
}

.gruenderbonus-card .price-unit {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 20px;
}

.gruenderbonus-card .badge-spots {
  display: inline-block;
  background: rgba(197, 165, 90, 0.2);
  color: var(--gold);
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 20px;
}

.gruenderbonus-card .btn {
  width: 100%;
}

/* --- Trust / Qualifications --- */
.trust-items {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  text-align: center;
}

.trust-item {
  padding: 32px 20px;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.trust-icon {
  width: 56px;
  height: 56px;
  background: var(--gold-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--gold);
}

.trust-item h4 {
  margin-bottom: 8px;
}

.trust-item p {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 0;
}

/* --- CTA Section --- */
.cta-section {
  padding: 80px 0;
  text-align: center;
}

.cta-section h2 {
  margin-bottom: 16px;
}

.cta-section p {
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 500px;
  margin: 0 auto 32px;
}

/* --- Footer --- */
.footer {
  background: var(--navy);
  padding: 60px 0 30px;
  color: rgba(255,255,255,0.7);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand .logo-text {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}

.footer-brand p {
  font-size: 0.9rem;
  max-width: 280px;
  color: rgba(255,255,255,0.6);
}

.footer h4 {
  color: var(--white);
  font-size: 0.9rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.footer-links {
  list-style: none;
}

.footer-links li { margin-bottom: 10px; }

.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  transition: color var(--transition);
}

.footer-links a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.4);
}

.footer-bottom a {
  color: rgba(255,255,255,0.4);
}

.footer-bottom a:hover { color: var(--gold); }

/* --- Responsive --- */
@media (max-width: 992px) {
  h1 { font-size: 2.2rem; }
  .hero h1 { font-size: 2.4rem; }
  
  .hero .container {
    flex-direction: column;
    text-align: center;
  }
  
  .hero p { margin: 0 auto 32px; }
  .hero-buttons { justify-content: center; }
  .hero-visual { flex: none; width: 100%; max-width: 400px; }
  
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-items { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  
  .gruenderbonus .container {
    flex-direction: column;
    text-align: center;
  }
  .gruenderbonus p { margin: 0 auto; }
  .gruenderbonus-card { flex: none; width: 100%; max-width: 360px; }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 16px;
    box-shadow: var(--shadow);
  }
  
  .nav-links.active { display: flex; }
  .nav-toggle { display: block; }
  
  .hero { padding: 120px 0 60px; }
  .section { padding: 60px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .trust-items { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  
  .footer-bottom {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
}

/* --- Page-specific: Leistungen --- */
.service-detail {
  display: flex;
  gap: 40px;
  align-items: flex-start;
  padding: 40px 0;
  border-bottom: 1px solid var(--border);
}

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

.service-detail-icon {
  flex: 0 0 72px;
  width: 72px;
  height: 72px;
  background: var(--gold-bg);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}

.service-detail-content { flex: 1; }
.service-detail-content h3 { margin-bottom: 12px; }
.service-detail-content p { color: var(--text-muted); }

.service-detail-content ul {
  list-style: none;
  margin-top: 12px;
}

.service-detail-content ul li {
  padding: 6px 0 6px 24px;
  position: relative;
  color: var(--text-muted);
  font-size: 0.95rem;
}

.service-detail-content ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* --- Page-specific: Preise --- */
.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.pricing-card {
  background: var(--white);
  border-radius: 16px;
  padding: 36px;
  border: 2px solid var(--border);
  text-align: center;
  transition: all var(--transition);
  position: relative;
}

.pricing-card.featured {
  border-color: var(--gold);
  transform: scale(1.03);
}

.pricing-card.featured::before {
  content: 'Beliebt';
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--white);
  padding: 4px 20px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
}

.pricing-card:hover {
  box-shadow: var(--shadow-hover);
}

.pricing-card h3 {
  margin-bottom: 8px;
}

.pricing-card .pricing-target {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.pricing-card .price-old {
  font-size: 1.2rem;
  color: var(--text-muted);
  text-decoration: line-through;
}

.pricing-card .price {
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.pricing-card .price-unit {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.pricing-card .savings {
  display: inline-block;
  background: #E8F5E9;
  color: #2E7D32;
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 24px;
}

.pricing-features {
  list-style: none;
  text-align: left;
  margin-bottom: 28px;
}

.pricing-features li {
  padding: 8px 0 8px 28px;
  position: relative;
  font-size: 0.95rem;
  color: var(--text-dark);
  border-bottom: 1px solid var(--border);
}

.pricing-features li:last-child { border-bottom: none; }

.pricing-features li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.pricing-features li.excluded {
  color: var(--text-muted);
  opacity: 0.5;
}

.pricing-features li.excluded::before {
  content: '—';
  color: var(--text-muted);
}

.pricing-card .btn { width: 100%; }

@media (max-width: 992px) {
  .pricing-grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .pricing-card.featured { transform: none; }
}

/* --- Page-specific: Kontakt --- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.contact-form { display: flex; flex-direction: column; gap: 20px; }

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
  color: var(--navy);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1rem;
  transition: border-color var(--transition);
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(197, 165, 90, 0.15);
}

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

.contact-info-card {
  background: var(--bg-light);
  border-radius: 16px;
  padding: 36px;
}

.contact-info-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}

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

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-bg);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; }
  .service-detail { flex-direction: column; }
}

/* --- Page-specific: Über mich --- */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}

.about-image {
  background: var(--bg-light);
  border-radius: 16px;
  padding: 40px;
  text-align: center;
  border: 1px solid var(--border);
}

.about-placeholder {
  width: 200px;
  height: 200px;
  background: var(--gold-bg);
  border-radius: 50%;
  margin: 0 auto 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold);
}

.timeline {
  margin-top: 40px;
}

.timeline-item {
  display: flex;
  gap: 20px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}

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

.timeline-year {
  flex: 0 0 80px;
  font-weight: 700;
  color: var(--gold);
  font-size: 1rem;
}

.timeline-content h4 { margin-bottom: 4px; }
.timeline-content p { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 0; }

@media (max-width: 768px) {
  .about-grid { grid-template-columns: 1fr; }
}

/* --- Legal Pages --- */
.legal-content {
  max-width: 780px;
  margin: 0 auto;
  padding: 140px 24px 80px;
}

.legal-content h1 {
  margin-bottom: 32px;
}

.legal-content h2 {
  font-size: 1.3rem;
  margin-top: 32px;
  margin-bottom: 12px;
}

.legal-content p,
.legal-content li {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.8;
}

.legal-content ul {
  padding-left: 24px;
  margin-bottom: 16px;
}