:root {
  --ink: #123f37;
  --ink-deep: #0c2a25;
  --mint: #e1f1eb;
  --mist: #f5f9f7;
  --paper: #ffffff;
  --coral: #df6249;
  --coral-deep: #bc452f;
  --line: #cbded7;
  --muted: #557069;
  --shadow: 0 18px 45px rgba(12, 42, 37, 0.12);
  --wrap: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: "Figtree", sans-serif; font-size: 16px; line-height: 1.55; }
a { color: inherit; }
button, input, select { font: inherit; }
button { cursor: pointer; }
.wrap { width: min(calc(100% - 48px), var(--wrap)); margin: 0 auto; }
.skip-link { position: fixed; left: 1rem; top: -5rem; z-index: 100; padding: 0.6rem 0.8rem; background: var(--coral); color: #fff; font-weight: 700; }
.skip-link:focus { top: 1rem; }

.service-bar { background: var(--ink-deep); color: #d8ebe5; font-size: 0.82rem; }
.service-bar__inner { min-height: 36px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.service-bar__links { display: flex; gap: 1.2rem; }
.service-bar a { display: inline-flex; align-items: center; gap: 0.35rem; color: #fff; text-decoration: none; }
.service-bar svg { width: 13px; height: 13px; }

.site-header { position: sticky; top: 0; z-index: 30; background: rgba(255, 255, 255, 0.96); border-bottom: 1px solid #edf3f0; backdrop-filter: blur(12px); }
.header__inner { min-height: 74px; display: flex; align-items: center; justify-content: space-between; }
.brand { display: inline-flex; align-items: center; gap: 0.7rem; text-decoration: none; color: var(--ink); }
.brand__mark { display: grid; width: 33px; height: 33px; place-items: center; background: var(--coral); color: #fff; font-family: "Fraunces", serif; font-size: 1.2rem; font-weight: 700; transform: rotate(-7deg); }
.brand__text { display: grid; line-height: 1.06; letter-spacing: 0; }
.brand__text strong { font-size: 0.96rem; }
.brand__text small { color: var(--muted); font-size: 0.7rem; margin-top: 0.2rem; }
.main-nav { display: flex; align-items: center; gap: 1.9rem; font-size: 0.9rem; font-weight: 600; }
.main-nav a { text-decoration: none; }
.main-nav a:not(.nav-call):hover { color: var(--coral-deep); }
.nav-call { padding: 0.56rem 0.9rem; border: 1px solid var(--ink); }
.menu-toggle { display: none; border: 0; background: transparent; color: var(--ink); }

.hero { position: relative; min-height: 650px; display: grid; align-items: stretch; overflow: hidden; background: var(--ink); }
.hero__image { position: absolute; inset: 0; background: url("https://www.versicherungcheck-frankfurt.de/assets/img/img_1.jpg") center/cover no-repeat; filter: saturate(0.7) contrast(1.08); }
.hero__veil { position: absolute; inset: 0; background: rgba(10, 42, 36, 0.76); }
.hero__content { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.2fr) 340px; align-items: center; gap: 5rem; padding-top: 5.6rem; padding-bottom: 5.6rem; color: #fff; }
.eyebrow { display: flex; align-items: center; gap: 0.55rem; margin: 0 0 1.1rem; color: var(--coral-deep); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.eyebrow span { width: 24px; height: 2px; background: currentColor; }
.eyebrow--light { color: #cce9de; }
.hero h1, h2, h3 { letter-spacing: 0; }
.hero h1 { max-width: 780px; margin: 0; font-family: "Fraunces", Georgia, serif; font-size: clamp(3rem, 6vw, 5.8rem); font-weight: 600; line-height: 0.98; }
.hero h1 em { color: #b8ead9; font-style: italic; }
.hero__lead { max-width: 650px; margin: 1.65rem 0 0; color: #e2efea; font-size: 1.15rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 2rem; }
.button { display: inline-flex; min-height: 46px; align-items: center; justify-content: center; gap: 0.55rem; padding: 0.73rem 1rem; border: 1px solid transparent; text-decoration: none; font-weight: 700; transition: background 160ms ease, border-color 160ms ease, color 160ms ease, transform 160ms ease; }
.button:hover { transform: translateY(-2px); }
.button svg { width: 18px; height: 18px; }
.button--coral { background: var(--coral); color: #fff; }
.button--coral:hover { background: var(--coral-deep); }
.button--outline-light { border-color: rgba(255,255,255,0.7); color: #fff; }
.button--outline-light:hover { background: #fff; color: var(--ink); }
.button--dark { background: var(--ink); color: #fff; }
.button--dark:hover { background: var(--ink-deep); }
.button--soft { background: var(--mint); color: var(--ink); }
.button--soft:hover { background: #cbe8dd; }
.button--full { width: 100%; }
.hero__note { display: flex; align-items: center; gap: 0.45rem; margin: 1.25rem 0 0; color: #cfe4dd; font-size: 0.82rem; }
.hero__note svg { width: 16px; height: 16px; }
.hero__fact-sheet { align-self: end; padding: 1.4rem; background: #f8fbf9; color: var(--ink); box-shadow: var(--shadow); border-top: 4px solid var(--coral); }
.fact-sheet__topline { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.25rem; color: var(--muted); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; }
.dkv-logo { display: inline-flex; align-items: center; height: 23px; padding: 0 0.35rem; background: #fff; color: #004b93; font-family: Arial, sans-serif; font-size: 1.1rem; font-weight: 800; letter-spacing: -0.06em; border: 1px solid #c7d8e7; }
.dkv-logo--large { height: 30px; padding: 0 0.45rem; font-size: 1.4rem; }
.fact-sheet__item { display: flex; gap: 1rem; padding: 0.9rem 0; border-top: 1px solid var(--line); }
.fact-sheet__number { color: var(--coral); font-family: "Fraunces", serif; font-size: 1.45rem; font-weight: 700; }
.fact-sheet__item strong, .fact-sheet__item small { display: block; }
.fact-sheet__item small { color: var(--muted); font-size: 0.88rem; }
.hero__fact-sheet p { margin: 1rem 0; color: var(--muted); font-size: 0.88rem; }
.hero__fact-sheet a, .text-link { display: inline-flex; align-items: center; gap: 0.35rem; color: var(--ink); font-weight: 700; text-decoration: none; }
.hero__fact-sheet a:hover, .text-link:hover { color: var(--coral-deep); }
.hero__fact-sheet svg, .text-link svg { width: 16px; height: 16px; }

.trust-strip { background: var(--mint); }
.trust-strip__grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-strip__grid > div { display: flex; align-items: center; gap: 0.8rem; min-height: 112px; padding: 1.25rem 1.6rem; border-right: 1px solid #bddbd0; }
.trust-strip__grid > div:first-child { padding-left: 0; }
.trust-strip__grid > div:last-child { border-right: 0; }
.trust-strip svg { width: 24px; height: 24px; color: var(--coral-deep); }
.trust-strip strong, .trust-strip span span { display: block; }
.trust-strip strong { font-size: 0.95rem; }
.trust-strip span span { color: var(--muted); font-size: 0.79rem; }

.section { padding: 7rem 0; }
.intro { background: #fff; }
.intro__grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, 0.7fr); gap: 8rem; }
h2 { margin: 0; font-family: "Fraunces", Georgia, serif; font-size: clamp(2.1rem, 3.6vw, 3.5rem); font-weight: 600; line-height: 1.06; }
.intro h2 { max-width: 680px; }
.intro__body { color: var(--muted); padding-top: 0.3rem; }
.intro__body p { margin: 0 0 1.25rem; }
.text-link { margin-top: 0.6rem; }

.tariff-section { background: var(--mist); }
.section-heading { max-width: 790px; }
.tariff-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)) minmax(230px, 0.64fr); gap: 1.2rem; margin-top: 2.6rem; align-items: stretch; }
.tariff-card { display: flex; flex-direction: column; padding: 1.6rem; background: #fff; border: 1px solid var(--line); }
.tariff-card--featured { border-top: 5px solid var(--coral); box-shadow: 0 14px 38px rgba(18, 63, 55, 0.08); }
.tariff-card__head { display: flex; align-items: center; justify-content: space-between; gap: 0.5rem; }
.tariff-card__tag { color: var(--muted); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; }
.tariff-card h3 { max-width: 340px; margin: 1.5rem 0 0; font-family: "Fraunces", Georgia, serif; font-size: clamp(1.6rem, 2.35vw, 2.25rem); line-height: 1.08; }
.tariff-card__summary { min-height: 3rem; margin: 0.55rem 0 1.3rem; color: var(--muted); }
.tariff-price { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 0.6rem; margin: -0.2rem 0 1.3rem; padding: 0.75rem 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.tariff-price strong { color: var(--coral-deep); font-family: "Fraunces", Georgia, serif; font-size: 1.8rem; line-height: 1; }
.tariff-price strong small { font-family: "Figtree", sans-serif; font-size: 0.7rem; font-weight: 700; }
.tariff-price span { color: var(--muted); font-size: 0.71rem; font-weight: 600; }
.tariff-card ul { display: grid; gap: 0.8rem; margin: 0 0 1.5rem; padding: 0; list-style: none; font-size: 0.9rem; }
.tariff-card li { display: flex; gap: 0.55rem; align-items: flex-start; }
.tariff-card li svg { flex: 0 0 auto; width: 17px; height: 17px; color: #208363; stroke-width: 2.5; }
.tariff-card li svg[data-lucide="x"] { color: var(--coral-deep); }
.tariff-card .button { margin-top: auto; }
.tariff-side-note { display: flex; flex-direction: column; padding: 1.55rem; background: var(--ink); color: #fff; }
.tariff-side-note > svg { width: 30px; height: 30px; color: #98dbc3; }
.tariff-side-note h3 { margin: 1.4rem 0 0; font-family: "Fraunces", Georgia, serif; font-size: 1.6rem; line-height: 1.1; }
.tariff-side-note p { color: #c9e1d8; font-size: 0.9rem; }
.tariff-side-note .text-link { margin-top: auto; color: #fff; }
.legal-line { margin: 1.25rem 0 0; color: var(--muted); font-size: 0.75rem; }
.price-explainer { display: flex; gap: 0.65rem; max-width: 850px; margin-top: 1.15rem; padding: 0.8rem 0.95rem; border-left: 3px solid var(--coral); background: #fcefe9; color: #6a382c; }
.price-explainer svg { flex: 0 0 auto; width: 18px; height: 18px; margin-top: 0.18rem; }
.price-explainer p { margin: 0; font-size: 0.79rem; line-height: 1.5; }

.calculator-section { background: var(--ink); color: #fff; }
.calculator-section__heading { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2rem; }
.calculator-section__heading h2 { max-width: 670px; }
.calculator-section__heading > p { max-width: 295px; margin: 0; color: #cce5dc; font-size: 0.92rem; }
.calculator-shell { background: #fff; color: var(--ink); box-shadow: var(--shadow); }
.calculator-shell__bar { min-height: 72px; display: flex; align-items: center; gap: 2rem; padding: 0.8rem 1rem; border-bottom: 1px solid var(--line); }
.calculator-tabs { display: flex; align-self: stretch; gap: 0.3rem; }
.calculator-tab { position: relative; padding: 0.35rem 0.85rem; border: 0; background: transparent; color: var(--muted); font-size: 0.9rem; font-weight: 700; text-align: left; }
.calculator-tab small { display: block; font-size: 0.7rem; font-weight: 500; }
.calculator-tab.is-active { color: var(--ink); }
.calculator-tab.is-active::after { position: absolute; right: 0.85rem; bottom: -0.8rem; left: 0.85rem; height: 3px; background: var(--coral); content: ""; }
.calculator-external { display: inline-flex; align-items: center; gap: 0.35rem; margin-left: auto; color: var(--muted); font-size: 0.8rem; text-decoration: none; }
.calculator-external svg { width: 15px; height: 15px; }
.calculator-panel { background: #fff; }
.calculator-panel iframe { display: block; width: 100%; height: 870px; border: 0; background: #fff; }
.calculator-footnote { margin: 1rem 0 0; color: #c9e1d8; font-size: 0.78rem; }

.know-section { background: #fff; }
.knowledge-grid { display: grid; grid-template-columns: 0.75fr 1fr; gap: 7rem; }
.knowledge-title > p:last-child { max-width: 410px; color: var(--muted); }
.knowledge-list { display: grid; }
.knowledge-list article { display: grid; grid-template-columns: 58px 1fr; gap: 1rem; padding: 1.25rem 0; border-top: 1px solid var(--line); }
.knowledge-list article:last-child { border-bottom: 1px solid var(--line); }
.knowledge-list article > span { color: var(--coral-deep); font-family: "Fraunces", Georgia, serif; font-size: 1.7rem; font-weight: 700; }
.knowledge-list h3 { margin: 0; font-family: "Figtree", sans-serif; font-size: 1.07rem; }
.knowledge-list p { margin: 0.45rem 0 0; color: var(--muted); font-size: 0.93rem; }

.advice-section { background: var(--ink-deep); color: #fff; }
.advice-grid { display: grid; grid-template-columns: 1fr minmax(350px, 0.72fr); gap: 7rem; align-items: center; }
.advice-copy h2 { max-width: 650px; }
.advice-copy > p:not(.eyebrow) { max-width: 625px; color: #c8ded6; font-size: 1.05rem; }
.advice-contacts { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.1rem; }
.advice-contacts a { display: flex; align-items: center; gap: 0.75rem; padding: 0.8rem 1rem; border: 1px solid #46736a; color: #fff; text-decoration: none; }
.advice-contacts a:hover { border-color: #a3d9c6; background: #143f37; }
.advice-contacts svg { width: 20px; height: 20px; color: #a3d9c6; }
.advice-contacts small, .advice-contacts strong { display: block; line-height: 1.25; }
.advice-contacts small { color: #bcd5cc; font-size: 0.72rem; }
.advice-contacts strong { font-size: 0.94rem; }
.callback-form { padding: 1.65rem; background: #fff; color: var(--ink); }
.form-heading { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.25rem; font-family: "Fraunces", Georgia, serif; font-size: 1.2rem; font-weight: 700; line-height: 1.1; }
.form-heading__number { display: grid; width: 48px; height: 48px; place-items: center; background: var(--mint); color: var(--ink); font-family: "Figtree", sans-serif; font-size: 0.78rem; }
.form-heading small { color: var(--muted); font-family: "Figtree", sans-serif; font-size: 0.72rem; font-weight: 500; }
.callback-form > label:not(.check-label) { display: block; margin: 0.9rem 0 0.35rem; font-size: 0.8rem; font-weight: 700; }
.callback-form input[type="text"], .callback-form input[type="tel"], .callback-form select { width: 100%; height: 43px; padding: 0 0.7rem; border: 1px solid #aec6be; border-radius: 0; background: #fbfdfc; color: var(--ink); outline: 0; }
.callback-form input:focus, .callback-form select:focus { border-color: var(--coral); box-shadow: 0 0 0 3px rgba(223, 98, 73, 0.15); }
.check-label { display: flex; gap: 0.55rem; margin: 1rem 0; color: var(--muted); font-size: 0.73rem; line-height: 1.35; }
.check-label input { margin: 0.2rem 0 0; accent-color: var(--coral); }
.check-label a { color: var(--ink); }
.form-note { margin: 0.8rem 0 0; color: var(--muted); font-size: 0.72rem; text-align: center; }
.form-note a { color: var(--ink); }

.faq-section { background: var(--mist); }
.faq-grid { display: grid; grid-template-columns: 0.6fr 1fr; gap: 7rem; }
.faq-grid > div:first-child > p:last-child { max-width: 360px; color: var(--muted); }
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 1.1rem 0; color: var(--ink); font-weight: 700; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary svg { width: 18px; height: 18px; color: var(--coral-deep); transition: transform 160ms ease; }
.faq-list details[open] summary svg { transform: rotate(45deg); }
.faq-list p { max-width: 670px; margin: -0.1rem 2rem 1.2rem 0; color: var(--muted); font-size: 0.9rem; }

.site-footer { padding: 4rem 0 1rem; background: #f1f7f4; }
.footer-grid { display: grid; grid-template-columns: 1.2fr repeat(3, 0.8fr); gap: 2rem; }
.brand--footer { margin-bottom: 1rem; }
.footer-grid h2 { margin: 0 0 0.8rem; font-family: "Figtree", sans-serif; font-size: 0.9rem; }
.footer-grid p, .footer-grid a { display: block; margin: 0.25rem 0; color: var(--muted); font-size: 0.8rem; text-decoration: none; }
.footer-grid a:hover { color: var(--coral-deep); }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; margin-top: 2.3rem; padding-top: 1rem; border-top: 1px solid var(--line); color: var(--muted); font-size: 0.7rem; }

.mobile-action-bar { display: none; }

@media (max-width: 980px) {
  .hero__content { grid-template-columns: 1fr 280px; gap: 2rem; }
  .hero h1 { font-size: clamp(3rem, 6.2vw, 4.6rem); }
  .tariff-cards { grid-template-columns: repeat(2, 1fr); }
  .tariff-side-note { grid-column: 1 / -1; }
  .tariff-side-note p { max-width: 650px; }
  .intro__grid, .knowledge-grid, .advice-grid, .faq-grid { gap: 3.5rem; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  body { padding-bottom: 68px; }
  .wrap { width: min(calc(100% - 34px), var(--wrap)); }
  .service-bar__inner { min-height: 34px; justify-content: center; }
  .service-bar__inner > span, .service-bar__links a:last-child { display: none; }
  .site-header { top: 0; }
  .header__inner { min-height: 65px; }
  .menu-toggle { display: grid; width: 40px; height: 40px; place-items: center; }
  .menu-toggle svg { width: 22px; height: 22px; }
  .main-nav { position: absolute; top: 65px; right: 0; left: 0; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 0.5rem 1.1rem 1rem; background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 12px 22px rgba(12, 42, 37, 0.09); }
  .main-nav.is-open { display: flex; }
  .main-nav a { padding: 0.75rem 0; }
  .nav-call { margin-top: 0.3rem; padding: 0.7rem 0.8rem !important; text-align: center; }
  .hero { min-height: auto; }
  .hero__image { background-position: 60% center; }
  .hero__veil { background: rgba(10, 42, 36, 0.81); }
  .hero__content { display: block; padding-top: 4.4rem; padding-bottom: 2rem; }
  .hero h1 { font-size: clamp(2.8rem, 13vw, 4.2rem); }
  .hero__lead { font-size: 1rem; }
  .hero__actions { display: grid; grid-template-columns: 1fr; }
  .hero__fact-sheet { margin-top: 2.6rem; }
  .trust-strip__grid { grid-template-columns: 1fr; }
  .trust-strip__grid > div, .trust-strip__grid > div:first-child { min-height: auto; padding: 0.9rem 0; border-right: 0; border-bottom: 1px solid #bddbd0; }
  .trust-strip__grid > div:last-child { border-bottom: 0; }
  .section { padding: 4.5rem 0; }
  .intro__grid, .knowledge-grid, .advice-grid, .faq-grid { grid-template-columns: 1fr; gap: 1.7rem; }
  .intro__body { padding-top: 0; }
  .tariff-cards { grid-template-columns: 1fr; }
  .tariff-side-note { grid-column: auto; min-height: 270px; }
  .calculator-section__heading { display: block; }
  .calculator-section__heading > p { max-width: 100%; margin-top: 1rem; }
  .calculator-shell__bar { flex-wrap: wrap; gap: 0.7rem; padding: 0.85rem; }
  .calculator-tabs { order: 3; width: 100%; }
  .calculator-tab { flex: 1; padding: 0.3rem 0.45rem; }
  .calculator-tab.is-active::after { right: 0.45rem; bottom: -0.85rem; left: 0.45rem; }
  .calculator-external { margin-left: auto; }
  .calculator-external span { display: none; }
  .calculator-panel iframe { height: 820px; }
  .knowledge-list article { grid-template-columns: 44px 1fr; }
  .advice-contacts { display: grid; grid-template-columns: 1fr; }
  .callback-form { padding: 1.2rem; }
  .faq-list p { margin-right: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem 1rem; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-bottom { display: block; margin-top: 2rem; }
  .footer-bottom span { display: block; margin-top: 0.3rem; }
  .mobile-action-bar { position: fixed; z-index: 50; right: 0; bottom: 0; left: 0; display: grid; grid-template-columns: repeat(3, 1fr); height: 68px; background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -6px 18px rgba(12, 42, 37, 0.08); }
  .mobile-action-bar a { display: grid; place-content: center; justify-items: center; gap: 0.16rem; color: var(--ink); font-size: 0.69rem; font-weight: 700; text-decoration: none; }
  .mobile-action-bar a:nth-child(2) { background: var(--coral); color: #fff; }
  .mobile-action-bar svg { width: 19px; height: 19px; }
}

@media (max-width: 390px) {
  .brand__text strong { font-size: 0.86rem; }
  .hero h1 { font-size: 2.7rem; }
  .calculator-tab { font-size: 0.8rem; }
  .calculator-tab small { font-size: 0.64rem; }
}