:root{
  --navy:#0f2235;
  --navy-2:#17324d;
  --sand:#f5f0e8;
  --paper:#fbf8f3;
  --white:#ffffff;
  --gold:#b68a42;
  --gold-2:#d0ad69;
  --ink:#182635;
  --muted:#667585;
  --line:#e6ddd1;
  --shadow:0 18px 44px rgba(15,34,53,.10);
  --shadow-soft:0 10px 24px rgba(15,34,53,.08);
  --radius:26px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Manrope',Arial,sans-serif;color:var(--ink);background:linear-gradient(180deg,#f7f3ee 0%,#fff 26%,#fbf8f3 100%);line-height:1.55}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,calc(100% - 32px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 12px;border-radius:8px;z-index:999}
.site-header{position:sticky;top:0;z-index:40;backdrop-filter:blur(14px);background:rgba(251,248,243,.82);border-bottom:1px solid rgba(182,138,66,.10)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.brand{display:flex;align-items:center;gap:14px;min-width:0}.brand img{width:54px;height:54px;object-fit:contain}.brand strong{display:block;font-size:1rem}.brand span{display:block;font-size:.83rem;color:var(--muted)}
.nav-links{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.nav-links>a{font-weight:600;color:#243548;font-size:.96rem}.nav-links>a:hover{color:var(--gold)}
.menu-toggle{display:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 20px;border-radius:999px;font-weight:700;transition:.25s ease;box-shadow:var(--shadow-soft)}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#fff}
.btn-secondary{background:#fff;border:1px solid var(--line);color:var(--navy)}
.btn-gold{background:linear-gradient(135deg,var(--gold),#c79f55);color:#fff}
.btn-cta{background:var(--navy);color:#fff}
.btn-ghostlight{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.16);color:#fff}
.btn-nav{padding:11px 16px;background:var(--navy);color:#fff;box-shadow:none}
.hero-section{padding:56px 0 24px;background:
  radial-gradient(circle at top left, rgba(182,138,66,.20), transparent 28%),
  linear-gradient(135deg,#f8f2e8 0%,#f6f5f2 42%,#ece4d7 100%)}
.hero-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:32px;align-items:center}
.eyebrow{display:inline-block;padding:8px 12px;border-radius:999px;background:rgba(182,138,66,.12);color:var(--gold);font-size:.82rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.gold{color:#e9c98a;background:rgba(233,201,138,.14)}
h1,h2{font-family:'Playfair Display',serif;line-height:1.1;margin:14px 0 14px} h1{font-size:clamp(2.4rem,5vw,4.7rem)} h2{font-size:clamp(2rem,4vw,3rem)} h3{margin:0 0 10px;font-size:1.28rem}
h1 span{display:block;color:var(--navy)}
.lead{font-size:1.11rem;color:#314050;max-width:62ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 26px}
.hero-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.hero-facts div{padding:18px;background:rgba(255,255,255,.66);border:1px solid rgba(182,138,66,.18);border-radius:22px;box-shadow:var(--shadow-soft)}
.hero-facts strong{display:block;color:var(--navy);margin-bottom:4px}.hero-facts span{font-size:.92rem;color:var(--muted)}
.hero-card{padding:22px;background:linear-gradient(180deg,#fff,#f7f2ea);border:1px solid rgba(182,138,66,.22);border-radius:32px;box-shadow:var(--shadow)}
.hero-card-top{display:grid;grid-template-columns:140px 1fr;gap:20px;align-items:center}.hero-portrait{width:140px;height:172px;object-fit:cover;border-radius:28px}.small-label{font-size:.76rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:800;margin-bottom:8px}
.hero-card p{margin:0;color:var(--muted)}
.hero-card-contact{display:grid;gap:10px;margin:20px 0 18px;padding-top:18px;border-top:1px solid var(--line)}.hero-card-contact a{font-weight:700;color:var(--navy)}
.partner-row{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;border-top:1px solid var(--line)}.partner-row span{font-size:.88rem;color:var(--muted)}.partner-row img{height:36px;width:auto}
.section-head{margin-bottom:28px}.section-head.center{text-align:center;max-width:840px;margin:0 auto 28px}.section-head p{color:var(--muted);font-size:1.03rem}
.services-spotlight{padding:44px 0 32px}
.spotlight-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr;gap:20px}
.spotlight-card{position:relative;padding:28px;border-radius:32px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft)}
.spotlight-card.featured{background:linear-gradient(160deg,#102b45 0%,#183957 55%,#224a6a 100%);color:#fff;transform:translateY(-18px);box-shadow:0 22px 50px rgba(15,34,53,.18)}
.spotlight-card.dark-card{background:linear-gradient(135deg,#172d43,#233d57);color:#fff}
.card-badge{display:inline-block;font-size:.76rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:8px 12px;border-radius:999px;background:rgba(182,138,66,.14);color:var(--gold);margin-bottom:14px}
.featured .card-badge,.dark-card .card-badge{background:rgba(255,255,255,.12);color:#f4d08c}
.spotlight-card p{color:inherit;opacity:.92}.spotlight-card ul{padding-left:18px;margin:16px 0 20px}.spotlight-card li{margin:7px 0}
.focus-section{padding:34px 0 24px}
.focus-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.focus-card{padding:24px;background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow-soft)}.focus-card h3{color:var(--navy)}.focus-card p{margin:0;color:var(--muted)}
.split-band{padding:56px 0;background:linear-gradient(135deg,#0f2235,#17324d);color:#fff;margin-top:16px}.split-band-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:26px;align-items:start}.split-band p{color:rgba(255,255,255,.82)}
.steps-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.steps-grid article{padding:20px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.08);border-radius:22px;backdrop-filter:blur(4px)}.steps-grid span{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-2));font-weight:800;margin-bottom:12px}
.betreuerwechsel-section{padding:54px 0}.betreuer-box{display:grid;grid-template-columns:1.15fr .85fr;gap:18px;margin-bottom:22px}.betreuer-copy,.betreuer-side-note{padding:26px;border-radius:28px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft)}.betreuer-side-note{background:linear-gradient(135deg,#f7f1e6,#fff)}.betreuer-side-note strong{display:block;color:var(--navy);margin-bottom:8px}
.logo-marquee{position:relative;overflow:hidden;border-radius:28px;border:1px solid var(--line);background:linear-gradient(135deg,#fff,#f7f3ed);padding:20px 0;box-shadow:var(--shadow-soft)}.logo-marquee:before,.logo-marquee:after{content:'';position:absolute;top:0;bottom:0;width:100px;z-index:2;pointer-events:none}.logo-marquee:before{left:0;background:linear-gradient(90deg,#f8f5ef,rgba(248,245,239,0))}.logo-marquee:after{right:0;background:linear-gradient(270deg,#f8f5ef,rgba(248,245,239,0))}
.logo-track{display:flex;gap:16px;width:max-content;animation:scrollLogos 34s linear infinite;padding:0 16px}.logo-marquee:hover .logo-track{animation-play-state:paused}.insurer-card{flex:0 0 auto;width:220px;height:86px;display:grid;place-items:center;background:#fff;border-radius:24px;padding:10px;border:1px solid rgba(15,34,53,.06);box-shadow:0 10px 18px rgba(15,34,53,.06)}.insurer-card img{width:100%;height:100%;object-fit:contain}
@keyframes scrollLogos{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.contact-section{padding:18px 0 66px}.contact-grid{display:grid;grid-template-columns:1fr 420px;gap:22px}.contact-copy,.contact-panel{padding:30px;background:#fff;border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow-soft)}.contact-points{display:grid;gap:10px;margin-top:20px}.contact-points a{font-weight:700;color:var(--navy)}.contact-points span{color:var(--muted)}.contact-panel .full{width:100%;margin-top:10px}
.site-footer{padding:22px 0 36px;border-top:1px solid rgba(15,34,53,.08)}.footer-grid{display:flex;justify-content:space-between;gap:18px;align-items:flex-start}.footer-links{display:flex;gap:18px;flex-wrap:wrap}.footer-links a{color:var(--navy);font-weight:700}
.floating-wa{position:fixed;right:18px;bottom:18px;z-index:35;background:#1f7b55;color:#fff;padding:14px 18px;border-radius:999px;box-shadow:0 16px 30px rgba(31,123,85,.30);font-weight:800}
@media (max-width:1100px){.hero-grid,.split-band-grid,.contact-grid,.betreuer-box{grid-template-columns:1fr}.spotlight-grid{grid-template-columns:1fr}.spotlight-card.featured{transform:none}.focus-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:860px){.menu-toggle{display:inline-flex;border:1px solid var(--line);background:#fff;padding:10px 14px;border-radius:999px;color:var(--navy);font-weight:700}.nav-links{position:absolute;left:16px;right:16px;top:78px;display:none;flex-direction:column;align-items:stretch;padding:18px;background:rgba(255,255,255,.98);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow)}.nav-links.open{display:flex}.nav-links>a{padding:8px 0}.hero-card-top{grid-template-columns:1fr}.hero-portrait{width:100%;height:320px}.hero-facts{grid-template-columns:1fr}.steps-grid,.focus-grid{grid-template-columns:1fr}.footer-grid{flex-direction:column}.brand span{display:none}}
@media (max-width:680px){.container{width:min(100% - 20px,1180px)}.hero-section{padding-top:34px}.hero-cta{flex-direction:column}.btn{width:100%}.logo-marquee{overflow-x:auto;padding:12px}.logo-track{animation:none;padding:0}.logo-marquee:before,.logo-marquee:after{display:none}.insurer-card{width:180px;height:72px}.floating-wa{left:12px;right:12px;bottom:12px;text-align:center}}