/* ============================================================
   JÖRG VERMÖGENSVERWALTUNG AG — Premium Stylesheet
   Farben: Dunkelblau #0d1f3c | Gold #c9a84c | Weiß #ffffff | Anthrazit #2d2d2d
   ============================================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400;1,500&family=Montserrat:wght@300;400;500;600;700&display=swap');

/* --- CSS Custom Properties --- */
:root {
  --navy:      #0d1f3c;
  --navy-deep: #081428;
  --navy-mid:  #152a4e;
  --gold:      #c9a84c;
  --gold-light:#e8cc80;
  --gold-dark: #a07830;
  --white:     #ffffff;
  --off-white: #f7f5f0;
  --anthrazit: #2d2d2d;
  --grey-light:#e8e6e0;
  --grey-mid:  #9a9590;
  --text-dark: #1a1a1a;
  --text-mid:  #4a4a4a;
  --shadow-lg: 0 20px 60px rgba(13,31,60,0.18);
  --shadow-md: 0 8px 30px rgba(13,31,60,0.12);
  --shadow-sm: 0 4px 15px rgba(13,31,60,0.08);
  --radius:    2px;
  --transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

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

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

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.7;
}

img { display: block; max-width: 100%; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* --- Typography --- */
.serif { font-family: 'Cormorant Garamond', serif; }

h1, h2, h3 { font-family: 'Cormorant Garamond', serif; line-height: 1.15; }
h1 { font-size: clamp(2.8rem, 6vw, 5rem); font-weight: 500; letter-spacing: -0.01em; }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 400; }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.8rem); font-weight: 500; }
p  { font-size: 0.95rem; color: var(--text-mid); line-height: 1.8; }

.section-label {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.section-title { margin-bottom: 1.2rem; }
.section-subtitle { max-width: 600px; margin-bottom: 2.5rem; color: var(--text-mid); }

/* --- Gold Divider --- */
.gold-line {
  width: 60px; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin: 1.2rem 0 2rem;
  border: none;
}
.gold-line.centered { margin-left: auto; margin-right: auto; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2.2rem;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  border-radius: var(--radius);
  white-space: nowrap;
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  box-shadow: 0 4px 20px rgba(201,168,76,0.35);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(201,168,76,0.5);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  transform: translateY(-2px);
}

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

/* ============================================================
   NAVIGATION
   ============================================================ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 1.1rem 0;
  background: transparent;
  transition: background 0.4s ease, box-shadow 0.4s ease, padding 0.4s ease;
}

#navbar.scrolled {
  background: rgba(8, 20, 40, 0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  padding: 0.8rem 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.3);
}

.nav-container {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

/* Logo */
.nav-logo { display: flex; flex-direction: column; gap: 0.05rem; }
.nav-logo .logo-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.04em;
  line-height: 1.1;
}
.nav-logo .logo-sub {
  font-size: 0.58rem;
  font-weight: 500;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
}

/* Nav Links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: nowrap;
}
.nav-links a {
  font-size: 0.73rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.82);
  position: relative;
  transition: color 0.3s;
  white-space: nowrap;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after { transform: scaleX(1); }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown > a { display: flex; align-items: center; gap: 0.3rem; }
.nav-dropdown > a i { font-size: 0.65rem; transition: transform 0.3s; }
.nav-dropdown:hover > a i { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 1.2rem);
  left: 50%;
  transform: translateX(-50%);
  background: var(--navy-deep);
  border: 1px solid rgba(201,168,76,0.2);
  border-top: 2px solid var(--gold);
  min-width: 220px;
  padding: 0.5rem 0;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-50%) translateY(10px);
  transition: all 0.3s ease;
  box-shadow: var(--shadow-lg);
}
.nav-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 0.65rem 1.4rem;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.78);
  transition: all 0.25s;
}
.dropdown-menu a:hover {
  background: rgba(201,168,76,0.08);
  color: var(--gold);
  padding-left: 1.8rem;
}
.dropdown-menu a::after { display: none; }

/* Nav CTA */
.nav-cta { display: flex; align-items: center; gap: 1rem; }
.nav-cta .btn { white-space: nowrap; text-align: center; justify-content: center; }
.nav-phone {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  white-space: nowrap;
}

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 0.3rem;
}
.nav-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  transition: var(--transition);
  transform-origin: center;
}
.nav-hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.nav-mobile {
  display: none;
  position: fixed;
  top: 0; right: 0; bottom: 0;
  width: 320px;
  background: var(--navy-deep);
  z-index: 999;
  padding: 5rem 2rem 2rem;
  flex-direction: column;
  gap: 0.3rem;
  transform: translateX(100%);
  transition: transform 0.4s cubic-bezier(0.77,0,0.175,1);
  overflow-y: auto;
  border-left: 1px solid rgba(201,168,76,0.15);
}
.nav-mobile.open { transform: translateX(0); }
.nav-mobile a {
  display: block;
  padding: 0.85rem 0;
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.82);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: color 0.3s;
}
.nav-mobile a:hover { color: var(--gold); }
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 998;
}
.nav-overlay.active { display: block; }

/* ============================================================
   HERO SECTION
   ============================================================ */
#hero {
  position: relative;
  height: 100vh;
  min-height: 700px;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/hero-building.jpg');
  background-size: cover;
  background-position: center 30%;
  transform: scale(1.05);
  transition: transform 8s ease-out;
}
.hero-bg.loaded { transform: scale(1); }

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(8,20,40,0.72) 0%,
    rgba(13,31,60,0.55) 50%,
    rgba(8,20,40,0.38) 100%
  );
}

.hero-overlay-bottom {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 200px;
  background: linear-gradient(to top, rgba(8,20,40,0.6), transparent);
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 2rem;
  /* Fester Abstand = Navbar-Hoehe (~68px) + Puffer */
  padding-top: 185px;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  margin-bottom: 0.6rem;
  opacity: 0;
  animation: fadeInUp 0.8s 0.3s forwards;
}
.hero-tag span {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
}
.hero-tag::before, .hero-tag::after {
  content: '';
  display: block;
  width: 30px;
  height: 1px;
  background: var(--gold);
  opacity: 0.6;
}

.hero-title {
  /* Eigene font-size: vw-Wert klein genug damit Titel bei jedem Zoom passt */
  font-size: clamp(2rem, 3.2vw, 4rem);
  line-height: 1.12;
  color: var(--white);
  margin-bottom: 0.4rem;
  opacity: 0;
  animation: fadeInUp 0.9s 0.5s forwards;
  text-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.hero-title em {
  font-style: italic;
  color: var(--gold-light);
  display: block;
}

.hero-subtitle {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1rem, 2vw, 1.18rem);
  font-weight: 300;
  color: rgba(255,255,255,0.78);
  max-width: 560px;
  margin: 1.5rem 0 2.5rem;
  line-height: 1.75;
  letter-spacing: 0.03em;
  opacity: 0;
  animation: fadeInUp 0.9s 0.7s forwards;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  opacity: 0;
  animation: fadeInUp 0.9s 0.9s forwards;
}

.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 3rem;
  margin-top: 5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  opacity: 0;
  animation: fadeInUp 0.9s 1.1s forwards;
}
.hero-stat .number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.4rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.3rem;
}
.hero-stat .number span { color: var(--gold); }
.hero-stat .label {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
}

/* Scroll indicator */
.hero-scroll {
  position: absolute;
  bottom: 2.5rem;
  right: 3rem;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  opacity: 0;
  animation: fadeIn 1s 1.5s forwards;
}
.hero-scroll span {
  font-size: 0.6rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  writing-mode: vertical-rl;
}
.scroll-line {
  width: 1px;
  height: 50px;
  background: linear-gradient(to bottom, rgba(201,168,76,0.8), transparent);
  animation: scrollLine 2s ease-in-out infinite;
}
@keyframes scrollLine {
  0%, 100% { opacity: 1; transform: scaleY(1); transform-origin: top; }
  50% { opacity: 0.4; }
}

/* ============================================================
   ANNOUNCEMENT BAR
   ============================================================ */
#announcement {
  background: var(--navy-deep);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  padding: 0.75rem 0;
}
.announcement-inner {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
}
.announcement-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.73rem;
  font-weight: 500;
  color: rgba(255,255,255,0.7);
  letter-spacing: 0.05em;
}
.announcement-item i { color: var(--gold); font-size: 0.75rem; }
.announcement-item strong { color: var(--gold); }
.ann-divider { width: 1px; height: 16px; background: rgba(255,255,255,0.15); }

/* ============================================================
   SECTION LAYOUT
   ============================================================ */
.container {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 2rem;
}

section { padding: 7rem 0; }
section.tight { padding: 5rem 0; }
section.wide { padding: 9rem 0; }

.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-gold  { color: var(--gold) !important; }

/* ============================================================
   ÜBER UNS
   ============================================================ */
#about { background: var(--white); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.about-images {
  position: relative;
}
.about-img-main {
  width: 100%;
  height: 520px;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}
/* Award Siegel */
.about-award {
  position: absolute;
  top: 1.2rem;
  right: 1.2rem;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.award-seal {
  width: 88px;
  height: 88px;
  background: linear-gradient(145deg, #d4a843, #e8cc80, #c9941a, #e0b84a);
  clip-path: polygon(
    50% 0%, 61% 3%, 70% 8%, 79% 5%, 85% 12%,
    93% 12%, 96% 20%, 100% 25%, 99% 34%, 100% 42%,
    96% 50%, 100% 58%, 99% 66%, 100% 75%, 96% 80%,
    93% 88%, 85% 88%, 79% 95%, 70% 92%, 61% 97%,
    50% 100%, 39% 97%, 30% 92%, 21% 95%, 15% 88%,
    7% 88%, 4% 80%, 0% 75%, 1% 66%, 0% 58%,
    4% 50%, 0% 42%, 1% 34%, 0% 25%, 4% 20%,
    7% 12%, 15% 12%, 21% 5%, 30% 8%, 39% 3%
  );
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 14px 8px;
  box-shadow: 0 4px 16px rgba(180,130,20,0.45);
  transition: transform 0.3s ease;
  cursor: default;
}
.award-seal:hover { transform: scale(1.07); }

.award-brand {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.52rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  color: #1a1200;
  text-transform: uppercase;
  display: block;
  margin-bottom: 2px;
}
.award-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.42rem;
  font-weight: 700;
  color: #1a1200;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  line-height: 1.3;
  display: block;
}
.award-rank {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: #1a1200;
  line-height: 1;
  display: block;
  margin: 1px 0;
}
.award-divider-line {
  display: block;
  width: 28px;
  height: 1px;
  background: rgba(26,18,0,0.4);
  margin: 3px auto;
}
.award-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.36rem;
  font-weight: 500;
  color: rgba(26,18,0,0.75);
  text-align: center;
  line-height: 1.4;
  display: block;
  letter-spacing: 0.04em;
}

/* Responsive Award */
@media (max-width: 900px) {
  .about-award { top: 0.8rem; right: 0.8rem; gap: 6px; }
  .award-seal { width: 76px; height: 76px; }
  .award-rank { font-size: 1.3rem; }
}
@media (max-width: 640px) {
  .about-award { top: 0.6rem; right: 0.6rem; gap: 5px; }
  .award-seal { width: 66px; height: 66px; padding: 10px 6px; }
  .award-brand { font-size: 0.44rem; }
  .award-title { font-size: 0.36rem; }
  .award-rank { font-size: 1.1rem; }
  .award-sub { font-size: 0.3rem; }
}

.about-img-badge {
  position: absolute;
  bottom: -2rem;
  right: -2rem;
  background: var(--navy);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  text-align: center;
  border: 1px solid rgba(201,168,76,0.2);
}

/* Private Banking Test Siegel */
.about-pb-badge {
  position: absolute;
  bottom: -2rem;
  left: -2rem;
  width: 130px;
  box-shadow: var(--shadow-lg);
  border: 2px solid rgba(201,168,76,0.35);
  overflow: hidden;
  transition: transform 0.3s ease;
}
.about-pb-badge:hover { transform: scale(1.05); }
.about-pb-img {
  width: 100%;
  height: auto;
  display: block;
}
/* Fallback */
.about-pb-fallback {
  background: #0d1f3c;
  padding: 0.8rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}
.pb-top {
  font-size: 0.42rem;
  color: rgba(255,255,255,0.6);
  display: block;
  line-height: 1.3;
}
.pb-title {
  font-size: 0.6rem;
  font-weight: 800;
  color: var(--gold);
  display: block;
  line-height: 1.3;
  letter-spacing: 0.04em;
}
.pb-sub {
  font-size: 0.55rem;
  color: var(--white);
  display: block;
  line-height: 1.4;
}
.pb-name {
  font-size: 0.52rem;
  font-weight: 700;
  color: var(--white);
  display: block;
  line-height: 1.4;
  margin-top: 0.2rem;
}

/* Responsive */
@media (max-width: 900px) {
  .about-pb-badge { width: 110px; left: -1rem; bottom: -1rem; }
}
@media (max-width: 640px) {
  .about-pb-badge { width: 90px; left: 0.5rem; bottom: -0.5rem; }
}
.about-img-badge .badge-year {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  display: block;
}
.about-img-badge .badge-text {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-top: 0.3rem;
  display: block;
}

.about-content { padding-right: 1rem; }

/* ---- About Buttons + Siegel (responsive) ---- */
.about-cta-block {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1.2rem;
  margin-top: 2.5rem;
}

.about-btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

.about-siegel-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: flex-start;
}

.about-siegel-img {
  height: 205px;
  width: auto;
  display: block;
  border: 1px solid rgba(201,168,76,0.3);
  box-shadow: 0 4px 16px rgba(13,31,60,0.12);
  transition: transform 0.3s ease;
  flex-shrink: 0;
  object-fit: contain;
}
.about-siegel-img--noborder {
  border: none !important;
  box-shadow: none !important;
}
.about-values {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  margin-top: 2.5rem;
}
.about-value {
  display: flex;
  align-items: flex-start;
  gap: 0.8rem;
}
.about-value i {
  color: var(--gold);
  font-size: 1rem;
  margin-top: 0.15rem;
  flex-shrink: 0;
}
.about-value p {
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--text-dark);
  line-height: 1.4;
  margin: 0;
}

/* ============================================================
   LEISTUNGEN
   ============================================================ */
#services {
  background: var(--off-white);
}

.services-intro { text-align: center; margin-bottom: 4rem; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.service-card {
  background: var(--white);
  padding: 2.5rem 2rem;
  border: 1px solid var(--grey-light);
  position: relative;
  transition: var(--transition);
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform 0.4s ease;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.3);
}
.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(13,31,60,0.06), rgba(201,168,76,0.08));
  border: 1px solid rgba(201,168,76,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  font-size: 1.3rem;
  color: var(--navy);
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: var(--navy);
  color: var(--gold);
}
.service-card h3 {
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 0.8rem;
}
.service-card p { font-size: 0.85rem; margin: 0; }
.service-card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-top: 1.2rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  transition: gap 0.3s;
}
.service-card:hover .card-link { gap: 0.7rem; }

/* ============================================================
   TAGESGELD / FESTGELD SPOTLIGHT
   ============================================================ */
#deposits {
  background: var(--navy-deep);
  position: relative;
  overflow: hidden;
}
#deposits::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
  pointer-events: none;
}
#deposits::after {
  content: '';
  position: absolute;
  bottom: -150px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.deposits-header { text-align: center; margin-bottom: 4rem; }
.deposits-header h2 { color: var(--white); }

.deposit-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  padding: 0.35rem 1rem;
  margin-bottom: 1.2rem;
}

.deposits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-bottom: 3rem;
}

.deposit-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.15);
  padding: 2.5rem 2rem;
  text-align: center;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.deposit-card.featured {
  background: rgba(201,168,76,0.08);
  border-color: rgba(201,168,76,0.4);
}
.deposit-card.featured::before {
  content: 'Empfohlen';
  position: absolute;
  top: 1rem; right: 1rem;
  background: var(--gold);
  color: var(--navy-deep);
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  padding: 0.25rem 0.7rem;
}
.deposit-card:hover {
  transform: translateY(-5px);
  border-color: rgba(201,168,76,0.5);
  background: rgba(201,168,76,0.06);
}
.deposit-card .rate {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3.5rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.2rem;
}
.deposit-card .rate-label {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1.2rem;
}
.deposit-card h3 { color: var(--white); font-size: 1.25rem; margin-bottom: 1rem; }
.deposit-card ul { text-align: left; }
.deposit-card ul li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.45rem 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.65);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.deposit-card ul li:last-child { border: none; }
.deposit-card ul li i { color: var(--gold); font-size: 0.7rem; flex-shrink: 0; }
.deposit-card .card-cta {
  margin-top: 1.8rem;
  width: 100%;
  justify-content: center;
  padding: 0.75rem;
}

.deposits-features {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1rem;
  padding-top: 3rem;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.dep-feature {
  text-align: center;
  padding: 1.2rem;
}
.dep-feature i {
  font-size: 1.5rem;
  color: var(--gold);
  margin-bottom: 0.8rem;
  display: block;
}
.dep-feature span {
  font-size: 0.72rem;
  font-weight: 500;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.05em;
  display: block;
  line-height: 1.4;
}

/* ============================================================
   VERTRAUENS-BILDER SECTION
   ============================================================ */
#trust-visuals {
  padding: 0;
  overflow: hidden;
}
.trust-gallery {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  grid-template-rows: 300px 300px;
  gap: 4px;
}
.trust-img {
  overflow: hidden;
  position: relative;
}
.trust-img.tall { grid-row: span 2; }
.trust-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}
.trust-img:hover img { transform: scale(1.04); }
.trust-img-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(8,20,40,0.5), transparent 40%);
  opacity: 0;
  transition: opacity 0.4s;
}
.trust-img:hover .trust-img-overlay { opacity: 1; }

/* ============================================================
   WARUM WIR
   ============================================================ */
#why-us {
  background: var(--white);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}
.why-content { order: 2; }
.why-image { order: 1; }
.why-image img {
  width: 100%;
  height: 580px;
  object-fit: cover;
  box-shadow: var(--shadow-lg);
}

.advantages-list { margin-top: 2.5rem; }
.advantage-item {
  display: flex;
  gap: 1.5rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--grey-light);
  transition: var(--transition);
}
.advantage-item:last-child { border: none; }
.advantage-item:hover { padding-left: 0.5rem; }

.adv-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.2rem;
  font-weight: 300;
  color: var(--gold);
  opacity: 0.6;
  line-height: 1;
  flex-shrink: 0;
  width: 40px;
}
.adv-text h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
  letter-spacing: 0.04em;
}
.adv-text p { font-size: 0.82rem; margin: 0; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
#testimonials {
  background: var(--off-white);
}
.testimonials-header { text-align: center; margin-bottom: 4rem; }

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

.testimonial-card {
  background: var(--white);
  padding: 2.5rem;
  border: 1px solid var(--grey-light);
  position: relative;
  transition: var(--transition);
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.testimonial-card::before {
  content: '\201C';
  font-family: 'Cormorant Garamond', serif;
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.25;
  position: absolute;
  top: 0.5rem;
  left: 1.5rem;
  line-height: 1;
}

.testimonial-stars {
  display: flex;
  gap: 0.2rem;
  margin-bottom: 1.2rem;
}
.testimonial-stars i { color: var(--gold); font-size: 0.75rem; }

.testimonial-text {
  font-size: 0.88rem;
  font-style: italic;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 1.8rem;
}
.testimonial-author { display: flex; align-items: center; gap: 1rem; }
.author-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold);
}
.author-initials {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--navy);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  color: var(--gold);
  font-weight: 600;
  flex-shrink: 0;
}
.author-info .name {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
}
.author-info .role {
  font-size: 0.72rem;
  color: var(--grey-mid);
  margin-top: 0.1rem;
}

/* ============================================================
   ZAHLEN & FAKTEN
   ============================================================ */
#stats {
  background: var(--navy);
  padding: 5rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-item { padding: 1rem; }
.stat-item .stat-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3.5rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  display: block;
}
.stat-item .stat-label {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  display: block;
  margin-top: 0.6rem;
}
.stat-divider {
  width: 1px;
  background: rgba(255,255,255,0.1);
  margin: 0 auto;
}

/* ============================================================
   KONTAKT
   ============================================================ */
#contact {
  background: var(--white);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 5rem;
  align-items: start;
}

.contact-info h2 { margin-bottom: 1rem; }
.contact-details { margin-top: 2.5rem; }
.contact-item {
  display: flex;
  gap: 1.2rem;
  margin-bottom: 1.8rem;
  align-items: flex-start;
}
.contact-icon {
  width: 44px; height: 44px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-icon i { color: var(--gold); font-size: 0.95rem; }
.contact-item .info-label {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.2rem;
}
.contact-item .info-value {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.5;
}

/* Map */
.contact-map {
  margin-top: 2.5rem;
  height: 250px;
  overflow: hidden;
  border: 1px solid var(--grey-light);
}
.contact-map iframe {
  width: 100%;
  height: 100%;
  border: none;
}

/* Contact Form */
.contact-form-wrapper {
  background: var(--off-white);
  padding: 3rem;
  border: 1px solid var(--grey-light);
}
.form-header {
  margin-bottom: 2rem;
}
.form-header h3 { color: var(--navy); margin-bottom: 0.5rem; }
.form-header p { font-size: 0.83rem; margin: 0; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { margin-bottom: 1.2rem; }
.form-group label {
  display: block;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  color: var(--text-dark);
  transition: border-color 0.3s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  margin-bottom: 1.5rem;
}
.form-consent input[type="checkbox"] {
  width: auto;
  margin-top: 0.15rem;
  flex-shrink: 0;
  accent-color: var(--gold);
}
.form-consent label {
  font-size: 0.75rem;
  color: var(--text-mid);
  text-transform: none;
  letter-spacing: 0;
  font-weight: 400;
  cursor: pointer;
}
.form-consent label a { color: var(--gold); text-decoration: underline; }

.form-submit { width: 100%; justify-content: center; }
.form-success {
  display: none;
  text-align: center;
  padding: 2rem;
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.3);
}
.form-success i { color: var(--gold); font-size: 2.5rem; margin-bottom: 1rem; display: block; }
.form-success h4 { color: var(--navy); margin-bottom: 0.5rem; }

/* ============================================================
   FINMA BANNER
   ============================================================ */
#finma-banner {
  background: var(--off-white);
  border-top: 1px solid var(--grey-light);
  border-bottom: 1px solid var(--grey-light);
  padding: 2.5rem 0;
}
.finma-inner {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 3rem;
}
.finma-item {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  font-size: 0.78rem;
  color: var(--text-mid);
  font-weight: 500;
}
.finma-item i { color: var(--navy); font-size: 1.2rem; }
.finma-divider { width: 1px; height: 30px; background: var(--grey-light); }

/* ============================================================
   FOOTER
   ============================================================ */
footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.6);
}

.footer-top {
  padding: 5rem 0 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
}

.footer-brand .logo-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--white);
  display: block;
  margin-bottom: 0.2rem;
}
.footer-brand .logo-sub {
  font-size: 0.6rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 1.2rem;
}
.footer-brand p { font-size: 0.82rem; max-width: 280px; line-height: 1.75; color: rgba(255,255,255,0.5); }
.footer-social {
  display: flex;
  gap: 0.7rem;
  margin-top: 1.5rem;
}
.social-link {
  width: 36px; height: 36px;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.55);
  font-size: 0.85rem;
  transition: var(--transition);
}
.social-link:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy-deep);
}

.footer-col h5 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.2rem;
}
.footer-col ul { display: flex; flex-direction: column; gap: 0.6rem; }
.footer-col ul a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  transition: color 0.3s;
}
.footer-col ul a:hover { color: var(--white); }

.footer-bottom {
  padding: 1.8rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-bottom p { font-size: 0.75rem; margin: 0; color: rgba(255,255,255,0.7); }
.footer-bottom-links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.footer-bottom-links a {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.7);
  transition: color 0.3s;
}
.footer-bottom-links a:hover { color: var(--white); }
.footer-ch {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.7);
}


/* ============================================================
   MODAL (Impressum / Datenschutz)
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.7);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}
.modal-overlay.active { display: flex; }
.modal-box {
  background: var(--white);
  max-width: 680px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
  padding: 3rem;
  position: relative;
  box-shadow: var(--shadow-lg);
}
.modal-close {
  position: absolute;
  top: 1.2rem; right: 1.5rem;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-mid);
  transition: color 0.3s;
}
.modal-close:hover { color: var(--navy); }
.modal-box h2 { color: var(--navy); margin-bottom: 1.5rem; font-size: 2rem; }
.modal-box h3 { color: var(--navy); margin: 1.5rem 0 0.5rem; font-size: 1.1rem; font-family: 'Montserrat', sans-serif; font-weight: 600; }
.modal-box p, .modal-box li { font-size: 0.84rem; color: var(--text-mid); margin-bottom: 0.7rem; line-height: 1.7; }
.modal-box ul { padding-left: 1.2rem; list-style: disc; }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* Gold shimmer on hover */
.gold-shimmer {
  position: relative;
  overflow: hidden;
}
.gold-shimmer::after {
  content: '';
  position: absolute;
  top: -50%; left: -75%;
  width: 50%; height: 200%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.15), transparent);
  transform: skewX(-20deg);
  transition: left 0.6s ease;
}
.gold-shimmer:hover::after { left: 125%; }

/* ============================================================
   ZUSÄTZLICHE PREMIUM-DETAILS
   ============================================================ */

/* Focused Form Group */
.form-group.focused label { color: var(--gold); }

/* Error Border */
.error-border {
  border-color: #c0392b !important;
  box-shadow: 0 0 0 3px rgba(192, 57, 43, 0.1) !important;
}

/* Selection Farbe */
::selection {
  background: rgba(201,168,76,0.25);
  color: var(--navy);
}

/* Scrollbar Styling */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--gold-dark); }

/* Gold-Akzent für section-label */
.section-label::before {
  content: '';
  display: inline-block;
  width: 20px;
  height: 1px;
  background: var(--gold);
  vertical-align: middle;
  margin-right: 0.6rem;
  opacity: 0.7;
}

/* Hover-Effekt auf Footer-Links */
.footer-col ul a { position: relative; display: inline-block; }
.footer-col ul a::before {
  content: '→ ';
  opacity: 0;
  transition: opacity 0.3s;
  color: var(--gold);
  font-size: 0.7rem;
}
.footer-col ul a:hover::before { opacity: 1; }

/* Announcement-Bar Gold Akzent */
.announcement-item i { animation: pulse-gold 3s ease-in-out infinite; }
@keyframes pulse-gold {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.6; }
}

/* Shine-Effekt auf Deposit Cards (featured) */
.deposit-card.featured {
  position: relative;
  overflow: hidden;
}
.deposit-card.featured::after {
  content: '';
  position: absolute;
  top: -50%; left: -60%;
  width: 40%; height: 200%;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,0.07), transparent);
  transform: skewX(-20deg);
  animation: card-shine 4s ease-in-out infinite;
}
@keyframes card-shine {
  0%   { left: -60%; }
  50%  { left: 120%; }
  100% { left: 120%; }
}

/* Stat items: Gold-Linie oben */
.stat-item {
  position: relative;
  padding-top: 1.5rem;
}
.stat-item::before {
  content: '';
  position: absolute;
  top: 0; left: 50%;
  transform: translateX(-50%);
  width: 30px; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

/* Advantage Item Icon */
.advantage-item { cursor: default; }
.adv-number { transition: opacity 0.3s, color 0.3s; }
.advantage-item:hover .adv-number { opacity: 1; color: var(--gold); }
.advantage-item:hover .adv-text h4 { color: var(--gold-dark); }

/* Section transition shapes */
#deposits {
  clip-path: none;
}

/* Map border gold on hover */
.contact-map:hover {
  border-color: rgba(201,168,76,0.4);
  transition: border-color 0.3s;
}

/* Logo hover */
.nav-logo:hover .logo-name { color: var(--gold-light); transition: color 0.3s; }

/* Cookie Banner */
#cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy-deep);
  border-top: 1px solid rgba(201,168,76,0.25);
  padding: 1.2rem 2rem;
  z-index: 1500;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  transform: translateY(100%);
  transition: transform 0.5s ease;
}
#cookie-banner.show { transform: translateY(0); }
#cookie-banner p { font-size: 0.78rem; color: rgba(255,255,255,0.65); margin: 0; max-width: 700px; }
#cookie-banner p a { color: var(--gold); text-decoration: underline; }
.cookie-actions { display: flex; gap: 0.8rem; }

/* ============================================================
   SIEGEL LIGHTBOX
   ============================================================ */
.siegel-clickable {
  cursor: pointer;
}

#siegel-lightbox {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 4000;
  align-items: center;
  justify-content: center;
}
#siegel-lightbox.active {
  display: flex;
  animation: fadeIn 0.25s ease forwards;
}

#siegel-lightbox-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(8, 20, 40, 0.88);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  cursor: zoom-out;
}

#siegel-lightbox-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.2rem;
  padding: 2rem;
  animation: popupSlideUp 0.35s cubic-bezier(0.25,0.46,0.45,0.94) forwards;
}

#siegel-lightbox-img {
  width: auto;
  height: auto;
  max-width: 90vw;
  max-height: 85vh;
  object-fit: contain;
  border-radius: 4px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.55);
  display: block;
}

#siegel-lightbox-caption {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.65);
  text-align: center;
  max-width: 480px;
  margin: 0;
  letter-spacing: 0.04em;
  line-height: 1.6;
}

#siegel-lightbox-close {
  position: absolute;
  top: -0.5rem;
  right: -0.5rem;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold);
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, transform 0.25s;
  z-index: 2;
}
#siegel-lightbox-close:hover {
  background: var(--gold);
  color: var(--navy-deep);
  transform: rotate(90deg);
}

@media (max-width: 640px) {
  #siegel-lightbox-img { max-width: 92vw; }
  #siegel-lightbox-inner { padding: 1.2rem; gap: 0.8rem; }
}

/* ============================================================
   BACK TO TOP
   ============================================================ */
#back-to-top {
  position: fixed;
  bottom: 2rem; right: 2rem;
  width: 44px; height: 44px;
  background: var(--navy);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 900;
  font-size: 0.9rem;
}
#back-to-top.visible { opacity: 1; transform: translateY(0); }
#back-to-top:hover { background: var(--gold); color: var(--navy-deep); }

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

/* Overlay */
#award-popup-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 3000;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  background: rgba(8, 20, 40, 0.6);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
#award-popup-overlay.active {
  display: flex;
  animation: popupFadeIn 0.45s ease forwards;
}
@keyframes popupFadeIn  { from { opacity: 0; } to { opacity: 1; } }
@keyframes popupFadeOut { from { opacity: 1; } to { opacity: 0; } }
@keyframes popupSlideUp {
  from { opacity: 0; transform: translateY(35px) scale(0.96); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}

/* Popup Box */
#award-popup-box {
  background: #ffffff;
  max-width: 400px;
  width: 100%;
  padding: 2.8rem 2.4rem 2rem;
  position: relative;
  box-shadow: 0 30px 80px rgba(8,20,40,0.4), 0 0 0 1px rgba(168,204,224,0.3);
  text-align: center;
  animation: popupSlideUp 0.5s cubic-bezier(0.25,0.46,0.45,0.94) forwards;
  border-top: 3px solid #4a8faa;
}

/* Close Button */
#award-popup-close {
  position: absolute;
  top: 0.9rem; right: 1.1rem;
  background: none;
  border: none;
  font-size: 1.2rem;
  color: #aaa;
  cursor: pointer;
  transition: color 0.2s, transform 0.25s;
  padding: 0.2rem;
  line-height: 1;
}
#award-popup-close:hover { color: var(--navy); transform: rotate(90deg); }

/* Siegel Wrapper */
.popup-seal-wrapper {
  display: flex;
  justify-content: center;
  margin-bottom: 1.6rem;
}

/* Award Bild */
.popup-award-img {
  width: 300px;
  height: auto;
  display: block;
  object-fit: contain;
}

/* SVG Fallback */
.popup-svg-seal {
  width: 280px;
  height: 280px;
  filter: drop-shadow(0 4px 16px rgba(74,143,170,0.18));
}

@media (max-width: 480px) {
  .popup-award-img { width: 240px; }
  .popup-svg-seal  { width: 220px; height: 220px; }
}

/* Footer Text */
.popup-footer-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin-bottom: 1.4rem;
}
.popup-footer-text strong { color: var(--navy); }

.popup-cta {
  width: 100%;
  justify-content: center;
  font-size: 0.72rem;
}

/* Responsive */
@media (max-width: 480px) {
  #award-popup-box { padding: 2.2rem 1.4rem 1.8rem; }
  .popup-seal { width: 200px; height: 200px; }
  .popup-seal-inner { width: 178px; height: 178px; }
  .popup-bilanz-logo { font-size: 1.2rem; }
  .popup-ribbon-title { font-size: 0.6rem; }
  .popup-ribbon-sieger { font-size: 0.52rem; }
}

@media (max-width: 1100px) {

  /* Nav */
  .nav-container { gap: 1rem; }
  .nav-links { gap: 1.2rem; }
  .nav-links a { font-size: 0.67rem; letter-spacing: 0.08em; }
  .nav-phone { display: none; }

  /* Hero */
  h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); }
  .hero-stats { gap: 2rem; }
  .hero-stat .number { font-size: 2rem; }

  /* Sections */
  section { padding: 5.5rem 0; }
  .container { padding: 0 1.5rem; }

  /* About */
  .about-grid { gap: 3.5rem; }
  .about-img-main { height: 420px; }
  .about-siegel-img { height: 180px; }

  /* Services */
  .services-grid { grid-template-columns: repeat(2, 1fr); gap: 1.2rem; }

  /* Deposits */
  .deposits-grid { grid-template-columns: 1fr 1fr; gap: 1.2rem; }
  .deposit-card:last-child { grid-column: span 2; max-width: 100%; margin: 0; }
  .deposits-features { grid-template-columns: repeat(3, 1fr); }

  /* Stats */
  .stats-grid { gap: 1.5rem; }
  .stat-item .stat-number { font-size: 2.8rem; }

  /* Why Us */
  .why-image img { height: 460px; }

  /* Testimonials */
  .testimonials-slider { gap: 1.2rem; }

  /* Contact */
  .contact-grid { gap: 3rem; }
  .contact-form-wrapper { padding: 2.5rem; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
  .footer-brand { grid-column: span 2; }

  /* Trust Gallery */
  .trust-gallery { grid-template-rows: 250px 250px; }
}

/* ============================================================
   RESPONSIVE — TABLET KLEIN (max 900px)
   ============================================================ */
@media (max-width: 900px) {

  /* Nav – Hamburger */
  .nav-links, .nav-phone, .nav-cta .btn { display: none; }
  .nav-hamburger { display: flex; }
  .nav-mobile { display: flex; }
  .nav-container { padding: 0 1.2rem; }

  /* Typografie */
  h1 { font-size: clamp(2.2rem, 6vw, 3.2rem); }
  h2 { font-size: clamp(1.7rem, 4vw, 2.4rem); }

  /* Sections */
  section { padding: 4.5rem 0; }
  .container { padding: 0 1.2rem; }

  /* Hero */
  #hero { min-height: 600px; }
  .hero-bg { background-position: 60% 30%; }
  .hero-content { padding-top: 80px; }
  .hero-subtitle { font-size: 0.95rem; margin: 1.2rem 0 2rem; }
  .hero-stats {
    gap: 1.5rem;
    padding-top: 2rem;
    margin-top: 3rem;
    flex-wrap: wrap;
  }
  .hero-stat .number { font-size: 1.8rem; }
  .hero-stat .label { font-size: 0.62rem; }
  .hero-scroll { display: none; }

  /* Announcement */
  .announcement-inner { gap: 0.8rem; flex-wrap: wrap; justify-content: center; }
  .announcement-item { font-size: 0.68rem; }
  .ann-divider { display: none; }

  /* About */
  .about-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .about-images { max-width: 560px; margin: 0 auto; }
  .about-img-main { height: 360px; }
  .about-img-badge { right: 0; bottom: -1.5rem; }
  .about-content { padding-right: 0; }
  .about-values { grid-template-columns: 1fr 1fr; gap: 1rem; }
  .about-siegel-img { height: 160px; }
  .about-cta-block { align-items: flex-start; }

  /* Services */
  .services-grid { grid-template-columns: repeat(2, 1fr); gap: 1rem; }
  .service-card { padding: 2rem 1.5rem; }

  /* Deposits */
  .deposits-grid { grid-template-columns: 1fr; max-width: 100%; margin: 0 0 2rem; }
  .deposit-card:last-child { grid-column: span 1; max-width: 100%; }
  .deposits-features { grid-template-columns: repeat(3, 1fr); gap: 0.8rem; }
  .dep-feature { padding: 0.8rem; }

  /* Stats */
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .stat-item .stat-number { font-size: 2.6rem; }

  /* Trust Gallery */
  .trust-gallery {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: 200px 200px 200px;
  }
  .trust-img.tall { grid-row: span 1; }

  /* Why Us */
  .why-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .why-content { order: 1; }
  .why-image { order: 2; }
  .why-image img { height: 320px; width: 100%; }

  /* Testimonials */
  .testimonials-slider { grid-template-columns: 1fr 1fr; gap: 1rem; }
  .testimonial-card { padding: 2rem 1.5rem; }

  /* Contact */
  .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-map { height: 220px; }
  .contact-form-wrapper { padding: 2rem; }

  /* FINMA */
  .finma-inner { flex-wrap: wrap; gap: 1.2rem; justify-content: center; }
  .finma-divider { display: none; }
  .finma-item { font-size: 0.72rem; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand { grid-column: span 2; }
  .footer-top { padding: 3.5rem 0 2.5rem; }

  /* Cookie */
  #cookie-banner { flex-direction: column; align-items: flex-start; }
}

/* ============================================================
   RESPONSIVE — HANDY GROSS (max 640px)
   ============================================================ */
@media (max-width: 640px) {

  /* Typografie */
  h1 { font-size: clamp(1.9rem, 8vw, 2.6rem); }
  h2 { font-size: clamp(1.5rem, 6vw, 2rem); }
  h3 { font-size: 1.2rem; }
  p  { font-size: 0.88rem; }

  /* Nav */
  .nav-logo .logo-name { font-size: 1.1rem; }
  .nav-logo .logo-sub  { font-size: 0.52rem; letter-spacing: 0.15em; }
  #navbar { padding: 1rem 0; }
  #navbar.scrolled { padding: 0.75rem 0; }

  /* Hero */
  #hero { min-height: 100svh; }
  .hero-bg { background-position: 45% 15%; }
  .hero-content { padding: 90px 1.2rem 0; }
  .hero-tag span { font-size: 0.6rem; letter-spacing: 0.2em; }
  .hero-subtitle { font-size: 0.88rem; max-width: 100%; }
  .hero-buttons { flex-direction: column; gap: 0.8rem; }
  .hero-buttons .btn { width: 100%; justify-content: center; }
  .hero-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.2rem;
    margin-top: 2.5rem;
    padding-top: 1.8rem;
  }
  .hero-stat .number { font-size: 1.7rem; }
  .hero-stat .label  { font-size: 0.6rem; }

  /* Announcement */
  .announcement-inner { flex-direction: column; gap: 0.4rem; padding: 0 1rem; }
  .announcement-item  { font-size: 0.65rem; gap: 0.4rem; }

  /* Sections */
  section { padding: 3.5rem 0; }
  .container { padding: 0 1rem; }
  .section-label { font-size: 0.62rem; }

  /* About */
  .about-grid { gap: 2rem; }
  .about-images { max-width: 100%; }
  .about-img-main { height: 260px; }
  .about-img-badge {
    right: 0.5rem;
    bottom: -1rem;
    padding: 1.2rem 1rem;
  }
  .about-img-badge .badge-year { font-size: 2rem; }
  .about-values { grid-template-columns: 1fr; gap: 0.8rem; }
  .about-content { padding-right: 0; }
  .about-cta-block { align-items: stretch; }
  .about-btn-row { flex-direction: column; gap: 0.8rem; }
  .about-btn-row .btn { width: 100%; justify-content: center; }
  .about-siegel-row { justify-content: center; gap: 0.8rem; }
  .about-siegel-img {
    height: 170px;
    flex: 1 1 calc(33% - 0.6rem);
    max-width: calc(33% - 0.6rem);
    width: 100%;
    object-fit: contain;
    border: none !important;
    box-shadow: none !important;
  }

  /* Services */
  .services-grid { grid-template-columns: 1fr; gap: 0.9rem; }
  .service-card { padding: 1.8rem 1.4rem; }
  .service-icon { width: 48px; height: 48px; font-size: 1.1rem; }

  /* Deposits */
  .deposits-grid { grid-template-columns: 1fr; max-width: 100%; gap: 1rem; }
  .deposit-card:last-child { grid-column: span 1; max-width: 100%; }
  .deposit-card { padding: 2rem 1.5rem; }
  .deposit-card .rate { font-size: 2.8rem; }
  .deposits-features { grid-template-columns: repeat(2, 1fr); gap: 0.6rem; }
  .dep-feature i { font-size: 1.2rem; }
  .dep-feature span { font-size: 0.65rem; }
  #deposits { padding: 3.5rem 0; }

  /* Stats */
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
  .stat-item .stat-number { font-size: 2.2rem; }
  .stat-item .stat-label  { font-size: 0.62rem; letter-spacing: 0.12em; }
  #stats { padding: 3.5rem 0; }

  /* Trust Gallery */
  .trust-gallery {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: 160px 160px 160px;
  }

  /* Why Us */
  .why-grid { gap: 2rem; }
  .why-image img { height: 240px; }
  .advantage-item { gap: 1rem; padding: 1.2rem 0; }
  .adv-number { font-size: 1.8rem; width: 30px; }
  .adv-text h4 { font-size: 0.82rem; }
  .adv-text p  { font-size: 0.78rem; }

  /* Testimonials */
  .testimonials-slider { grid-template-columns: 1fr; gap: 1rem; }
  .testimonial-card { padding: 1.8rem 1.4rem; }
  .testimonial-text { font-size: 0.82rem; }

  /* Contact */
  .contact-grid { gap: 2rem; }
  .contact-form-wrapper { padding: 1.5rem 1.2rem; }
  .contact-item { gap: 0.9rem; }
  .contact-icon { width: 38px; height: 38px; }
  .form-row { grid-template-columns: 1fr; }
  .contact-map { height: 200px; }

  /* FINMA */
  .finma-inner { flex-direction: column; gap: 0.8rem; text-align: center; }
  .finma-item { font-size: 0.7rem; justify-content: center; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-brand { grid-column: span 1; }
  .footer-brand p { font-size: 0.78rem; }
  .footer-top { padding: 3rem 0 2rem; }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 0.8rem;
    padding: 1.5rem 0;
  }
  .footer-bottom-links { justify-content: center; gap: 1rem; }
  .footer-ch { justify-content: center; }

  /* Modals */
  .modal-overlay { padding: 1rem; }
  .modal-box { padding: 2rem 1.2rem; max-height: 90vh; }
  .modal-box h2 { font-size: 1.5rem; }

  /* Cookie */
  #cookie-banner { padding: 1rem 1.2rem; }
  #cookie-banner p { font-size: 0.72rem; }
  .cookie-actions { width: 100%; justify-content: space-between; }

  /* Back to top */
  #back-to-top { bottom: 1.2rem; right: 1.2rem; width: 38px; height: 38px; }
}

/* ============================================================
   RESPONSIVE — HANDY KLEIN (max 400px)
   ============================================================ */
@media (max-width: 400px) {

  /* Typografie */
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.35rem; }

  /* Hero */
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 1rem; }
  .hero-stat .number { font-size: 1.5rem; }
  .hero-buttons .btn { font-size: 0.7rem; padding: 0.75rem 1.2rem; }

  /* Stats */
  .stat-item .stat-number { font-size: 1.9rem; }

  /* About Siegel */
  .about-siegel-img { height: 140px; border: none !important; box-shadow: none !important; flex: 1 1 calc(33% - 0.6rem); max-width: calc(33% - 0.6rem); }

  /* Deposits */
  .deposit-card .rate { font-size: 2.4rem; }
  .deposits-features { grid-template-columns: repeat(2, 1fr); }

  /* Trust Gallery */
  .trust-gallery {
    grid-template-columns: 1fr;
    grid-template-rows: repeat(5, 180px);
  }

  /* Nav */
  .nav-logo .logo-name { font-size: 1rem; }
  .nav-logo .logo-sub  { display: none; }

  /* Footer */
  .footer-col h5 { font-size: 0.62rem; }
  .footer-col ul a { font-size: 0.75rem; }
}