/* InsuranceTime — Website-Styles (Richtung C: "Freundlich & Persönlich")
   Reines CSS, kein Framework/Build-Schritt. Custom Properties tragen das Farbsystem
   für Light/Dark. Hell ist bewusst der feste Standard (Rogers Wunsch) — die Seite
   folgt NICHT automatisch dem System-Dark-Mode; Dunkel gibt es nur über den
   manuellen Umschalter im Header ([data-theme="dark"]). */

:root {
  /* Palette limited to the logo's actual colours: black, white, its turquoise
     (#44ffe4) and its grey (#999999) — --teal below is a darkened, legible
     version of that exact turquoise hue, needed because the raw neon tone
     fails contrast on white; --teal-bright stays the exact logo value for
     decorative/dark-background use (ring mark, badges, dark-mode accent). */
  --ink: #000000;
  --ink-soft: #4a4a4a;
  --ink-faint: #5c5c5c;
  --paper: #ffffff;
  --surface: #ffffff;
  --surface-raised: #ffffff;
  --line: #e0e0e0;
  --teal: #037e6b;
  --teal-bright: #44ffe4;
  --teal-tint: #eaf5ef;
  --black-mark: #000000;
  --grey-mark: #999999;
  --shadow: 0 24px 48px -28px rgba(0, 0, 0, 0.16);
  --focus: #037e6b;

  /* Tinted "chip" surfaces used for trust cards, process steps etc. — mapped
     onto the logo's own two non-black/white colours instead of invented
     hues: sand/mint are a turquoise tint, sky is a grey tint (echoing the
     ring mark's own turquoise/grey segments). Names kept as-is so the HTML
     markup (class="sand|sky|mint") didn't need touching. */
  --sand: #e6fbf7;      --sand-strong: #b8f3e8; --sand-ink: #037e6b;
  --sky:  #f2f2f2;      --sky-strong:  #dedede; --sky-ink:  #4a4a4a;
  --mint: #e6fbf7;      --mint-strong: #b8f3e8; --mint-ink: #037e6b;

  padding-top: env(safe-area-inset-top, 0px);
  padding-bottom: env(safe-area-inset-bottom, 0px);
}

/* Kein @media(prefers-color-scheme:dark) mehr — Hell ist der feste Standard,
   unabhängig vom System/Browser. Dunkel gibt es ausschliesslich über den
   manuellen Umschalter unten ([data-theme="dark"]). */
:root[data-theme="dark"] {
  --ink: #ffffff;
  --ink-soft: #b3b3b3;
  --ink-faint: #999999;
  --paper: #000000;
  --surface: #121212;
  --surface-raised: #1a1a1a;
  --line: rgba(255, 255, 255, 0.14);
  --teal: #44ffe4;
  --teal-bright: #44ffe4;
  --teal-tint: rgba(68, 255, 228, 0.08);
  --black-mark: #ffffff;
  --grey-mark: #999999;
  --shadow: 0 24px 48px -24px rgba(0, 0, 0, 0.6);
  --focus: #44ffe4;

  --sand: #08211c;      --sand-strong: #0f3830; --sand-ink: #44ffe4;
  --sky:  #1a1a1a;      --sky-strong:  #262626; --sky-ink:  #cfcfcf;
  --mint: #08211c;      --mint-strong: #0f3830; --mint-ink: #44ffe4;
}

* { box-sizing: border-box; }
html, body { margin: 0; }
html { -webkit-text-size-adjust: 100%; }
body {
  background: var(--paper);
  color: var(--ink);
  font-family: "Open Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
[hidden] { display: none !important; }

a { color: inherit; }
h1, h2, h3 { text-wrap: balance; margin: 0; }

.skip-link {
  position: absolute;
  left: 12px;
  top: -60px;
  background: var(--ink);
  color: var(--paper);
  padding: 10px 16px;
  border-radius: 8px;
  z-index: 100;
  text-decoration: none;
  transition: top .15s ease;
}
.skip-link:focus { top: 12px; }

.wrap {
  max-width: 1180px;
  margin-inline: auto;
  padding-inline: 16px;
}
@media (min-width: 640px) {
  .wrap { padding-inline: 24px; }
}

.eyebrow {
  font-family: "Open Sans", sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
}

.display, h1.quote {
  font-family: "Poppins", system-ui, sans-serif;
  font-weight: 700;
  letter-spacing: 0.001em;
}

/* ---------- Ring mark (from the logo) ---------- */
.ring-mark { display: block; }

/* ---------- Brand mark: swap logo colour so it always reads clearly ---------- */
.brand { display: inline-flex; align-items: center; }
.brand img { height: 34px; width: auto; }
.brand .logo-light { display: none; }
.brand .logo-dark { display: block; }

/* Inverted surfaces need the opposite logo (none, by default, in this palette —
   header and footer both sit on the normal page surface; kept for any future use) */
.surface-inverted .logo-dark { display: none; }
.surface-inverted .logo-light { display: block; }

:root[data-theme="dark"] .brand:not(.surface-inverted) .logo-dark { display: none; }
:root[data-theme="dark"] .brand:not(.surface-inverted) .logo-light { display: block; }
:root[data-theme="dark"] .surface-inverted .logo-dark { display: block; }
:root[data-theme="dark"] .surface-inverted .logo-light { display: none; }

/* ---------- Header ---------- */
/* Solid, near-opaque surface behind the header (not the page's mint/sand bands
   that can sit right underneath it) — this is what keeps the logo reliably
   legible regardless of which section is scrolled under the sticky bar. */
header.site {
  position: sticky;
  top: env(safe-area-inset-top, 0px);
  z-index: 40;
  background: color-mix(in srgb, var(--surface) 92%, transparent);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-block: 12px;
  min-height: 44px;
}
nav.links {
  display: flex;
  align-items: center;
  gap: 28px;
  font-size: 0.92rem;
  font-weight: 500;
}
nav.links a { text-decoration: none; color: var(--ink-soft); transition: color .15s ease; }
nav.links a:hover, nav.links a:focus-visible { color: var(--ink); }
nav.links a[aria-current="page"] { color: var(--ink); font-weight: 600; }

.header-actions { display: flex; align-items: center; gap: 10px; }

.icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: var(--surface);
  color: var(--ink);
  cursor: pointer;
  padding: 0;
  flex: none;
}
.icon-btn:hover { border-color: var(--teal); }
.icon-btn svg { width: 19px; height: 19px; }
.theme-toggle .icon-moon { display: none; }
:root[data-theme="dark"] .theme-toggle .icon-sun { display: none; }
:root[data-theme="dark"] .theme-toggle .icon-moon { display: block; }
:root[data-theme="light"] .theme-toggle .icon-sun { display: block; }
:root[data-theme="light"] .theme-toggle .icon-moon { display: none; }

.menu-toggle { display: none; }
.menu-toggle .icon-close { display: none; }
.menu-toggle[aria-expanded="true"] .icon-burger { display: none; }
.menu-toggle[aria-expanded="true"] .icon-close { display: block; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: "Open Sans", sans-serif;
  font-weight: 600;
  font-size: 0.92rem;
  min-height: 44px;
  padding: 11px 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary { background: var(--ink); color: var(--paper); }
.btn-primary:hover { background: var(--teal); color: var(--paper); }
.btn-ghost { border-color: var(--line); color: var(--ink); }
.btn-ghost:hover { border-color: var(--teal); }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }
.nav-cta { display: flex; }

/* Mobile nav dropdown */
.mobile-nav {
  display: none;
  border-top: 1px solid var(--line);
  background: var(--surface);
}
.mobile-nav.is-open { display: block; }
.mobile-nav .wrap { padding-block: 12px; display: flex; flex-direction: column; }
.mobile-nav a:not(.btn) {
  padding: 12px 4px;
  text-decoration: none;
  color: var(--ink-soft);
  border-bottom: 1px solid var(--line);
  font-size: 1rem;
  min-height: 44px;
  display: flex;
  align-items: center;
}
.mobile-nav a:not(.btn):hover { color: var(--ink); }
.mobile-nav .btn { width: 100%; margin-top: 8px; }

/* ---------- Hero: mint band, circular portrait, quote headline ---------- */
.hero { background: var(--paper); border-bottom: 1px solid var(--line); }
.hero .wrap {
  padding-block: 56px;
  display: flex;
  gap: 56px;
  align-items: center;
}
.hero-figure { flex: none; position: relative; width: 240px; height: 240px; }
.hero-figure .ring { position: absolute; inset: -10px; border-radius: 50%; border: 3px solid var(--teal); opacity: 0.35; }
.hero-portrait {
  width: 240px;
  height: 240px;
  border-radius: 50%;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.hero-portrait img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; }
.hero-badge {
  position: absolute;
  right: -6px;
  bottom: 6px;
  background: var(--ink);
  color: var(--paper);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 7px 13px;
  border-radius: 999px;
  white-space: nowrap;
}
.hero-copy { flex: 1; min-width: 0; }
.hero-copy .eyebrow { display: block; margin-bottom: 14px; }
h1.quote {
  margin: 0;
  font-style: normal;
  font-weight: 700;
  font-size: clamp(1.7rem, 3.4vw, 2.6rem);
  line-height: 1.2;
  color: var(--ink);
  max-width: 20ch;
}
.hero-copy p.lede {
  max-width: 50ch;
  margin-top: 18px;
  font-size: 1.04rem;
  color: var(--ink-soft);
}
.hero-actions { display: flex; gap: 14px; margin-top: 28px; flex-wrap: wrap; }

/* ---------- Tint cards (trust strip, process steps) ---------- */
.tint-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.tint-card { border-radius: 20px; padding: 24px; }
.tint-card .icon-circle {
  width: 36px; height: 36px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.tint-card h3 { font-size: 1rem; font-weight: 600; color: var(--ink); }
.tint-card p { margin: 6px 0 0; font-size: 0.92rem; line-height: 1.5; }
.tint-card.sand { background: var(--sand); }
.tint-card.sand .icon-circle { background: var(--sand-strong); }
.tint-card.sand .icon-circle svg { stroke: var(--sand-ink); }
.tint-card.sand p { color: color-mix(in srgb, var(--sand-ink) 65%, var(--ink-soft)); }
.tint-card.sky { background: var(--sky); }
.tint-card.sky .icon-circle { background: var(--sky-strong); }
.tint-card.sky .icon-circle svg { stroke: var(--sky-ink); }
.tint-card.sky p { color: color-mix(in srgb, var(--sky-ink) 65%, var(--ink-soft)); }
.tint-card.mint { background: var(--mint); }
.tint-card.mint .icon-circle { background: var(--mint-strong); }
.tint-card.mint .icon-circle svg { stroke: var(--mint-ink); }
.tint-card.mint p { color: color-mix(in srgb, var(--mint-ink) 65%, var(--ink-soft)); }

.proof { padding-block: 64px; }
.proof .section-head { margin-bottom: 32px; }

/* ---------- Section scaffolding ---------- */
section { padding-block: 88px; }
.section-head { max-width: 640px; margin-bottom: 48px; }
.section-head .eyebrow { display: block; margin-bottom: 12px; }
.section-head h2 { font-size: clamp(1.9rem, 3.4vw, 2.5rem); font-weight: 600; }
.section-head p { color: var(--ink-soft); margin-top: 14px; font-size: 1.02rem; }

/* ---------- Why independent ---------- */
.why { background: var(--surface); border-block: 1px solid var(--line); }
.why .wrap { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: start; }
.why-copy h2 { font-size: clamp(1.6rem,3vw,2.2rem); font-weight: 600; text-transform: none; }
.why-copy p { color: var(--ink-soft); margin-top: 16px; max-width: 46ch; }
.why-copy p + p { margin-top: 12px; }

.compare {
  border: 1px solid var(--line);
  border-radius: 20px;
  overflow: hidden;
  background: var(--paper);
}
.compare-row { display: grid; grid-template-columns: 1fr 1fr; }
.compare-row + .compare-row { border-top: 1px solid var(--line); }
.compare-head .compare-cell {
  font-family: "Open Sans", sans-serif;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  padding: 16px 20px;
}
.compare-cell { padding: 18px 20px; font-size: 0.94rem; }
.compare-cell + .compare-cell { border-left: 1px solid var(--line); }
.compare-row.compare-head { background: var(--sky); }
.compare-row.compare-head .compare-cell:first-child { color: var(--ink-faint); }
.compare-row.compare-head .compare-cell:last-child { color: var(--sky-ink); }
.compare-row:not(.compare-head) .compare-cell:first-child { color: var(--ink-faint); }
.compare-row:not(.compare-head) .compare-cell:last-child { color: var(--ink); font-weight: 500; }

/* ---------- Services ---------- */
.services { background: var(--paper); }
.service-tracks { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.track-title {
  display: flex;
  align-items: baseline;
  gap: 10px;
  font-family: "Poppins", system-ui, sans-serif;
  font-weight: 700;
  font-style: normal;
  font-size: 1.4rem;
  padding-bottom: 14px;
  border-bottom: 2px solid var(--ink);
  margin-bottom: 20px;
}
.track-title .ring-mark { width: 20px; height: 20px; }
ul.service-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; }
ul.service-list li { display: flex; gap: 14px; padding: 16px 0; border-top: 1px solid var(--line); font-size: 0.98rem; }
ul.service-list li:first-child { border-top: none; }
ul.service-list strong { display: block; font-weight: 600; }
ul.service-list span.note { display: block; color: var(--ink-soft); font-size: 0.88rem; margin-top: 3px; }
ul.service-list .mark { color: var(--teal); font-family: "Open Sans", sans-serif; font-weight: 700; font-size: 0.85rem; margin-top: 2px; }

/* ---------- Process ---------- */
.process { background: var(--surface); border-block: 1px solid var(--line); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.process-step { padding: 26px 22px; border-radius: 18px; }
.process-step .num { font-family: "Poppins", system-ui, sans-serif; font-weight: 700; font-style: normal; font-size: 2.3rem; line-height: 1; }
.process-step h3 { font-size: 1.02rem; margin-top: 12px; font-weight: 600; color: var(--ink); }
.process-step p { font-size: 0.88rem; margin-top: 8px; line-height: 1.5; }
.process-step.sand { background: var(--sand); } .process-step.sand .num { color: var(--sand-ink); } .process-step.sand p { color: color-mix(in srgb, var(--sand-ink) 60%, var(--ink-soft)); }
.process-step.sky { background: var(--sky); } .process-step.sky .num { color: var(--sky-ink); } .process-step.sky p { color: color-mix(in srgb, var(--sky-ink) 60%, var(--ink-soft)); }
.process-step.mint { background: var(--mint); } .process-step.mint .num { color: var(--mint-ink); } .process-step.mint p { color: color-mix(in srgb, var(--mint-ink) 60%, var(--ink-soft)); }

/* ---------- About / trust ---------- */
.about { background: var(--paper); border-top: 1px solid var(--line); }
.about .wrap { max-width: 760px; }
.about-copy h2 { font-size: clamp(1.6rem,3vw,2.2rem); font-weight: 600; }
.about-copy p.intro { margin-top: 16px; color: var(--ink-soft); font-size: 1.04rem; max-width: 60ch; }
.about-divider { height: 1px; background: var(--line); margin: 30px 0; }
.parent-co {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 20px 22px;
}
.parent-co p { margin: 0; font-size: 0.92rem; color: var(--ink-soft); }
.parent-co strong { color: var(--ink); }

/* ---------- Contact — same white/black as the rest of the page, no inverted
   band; turquoise stays only as an accent (eyebrow, focus, link/button hover),
   exactly like everywhere else on the site. ---------- */
.contact { background: var(--paper); color: var(--ink); border-top: 1px solid var(--line); }
.contact .wrap { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: start; }
.contact h2 { font-size: clamp(1.9rem, 3.6vw, 2.6rem); font-weight: 700; color: var(--ink); }
.contact p.lede { color: var(--ink-soft); margin-top: 16px; max-width: 42ch; }
.contact .hero-actions { margin-top: 30px; }

.contact-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 30px;
}
.contact-card dl { margin: 0; display: flex; flex-direction: column; gap: 18px; }
.contact-card dt {
  font-family: "Open Sans", sans-serif;
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-faint);
}
.contact-card dd { margin: 4px 0 0; font-size: 1rem; }
.contact-card a { text-decoration: none; }
.contact-card a:hover { color: var(--teal); }

/* ---------- Beratungsstandort (BERNINA Creative Center): Foto + Adresse/Route + Karte ---------- */
.location-card {
  grid-column: 1 / -1;
  margin-top: 24px;
  border: 1px solid var(--line);
  border-radius: 20px;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
}
.location-photo { min-height: 220px; }
.location-photo img { width: 100%; height: 100%; object-fit: cover; }
.location-info { padding: 26px 28px; display: flex; flex-direction: column; }
.location-info h3 { font-size: 1.2rem; font-weight: 600; margin-top: 6px; }
.location-address { margin-top: 10px; font-size: 0.98rem; }
.location-note { margin-top: 10px; font-size: 0.86rem; color: var(--ink-soft); }
.location-route { margin-top: 18px; align-self: flex-start; }
.location-map { min-height: 220px; }
.location-map iframe { display: block; }

@media (max-width: 860px) {
  .location-card { grid-template-columns: 1fr; }
  .location-photo, .location-map { min-height: 200px; }
}

footer.site {
  background: var(--paper);
  color: var(--ink-soft);
  border-top: 1px solid var(--line);
  font-size: 0.84rem;
}
footer.site .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  padding-block: 24px;
  flex-wrap: wrap;
}
footer.site .brand img { height: 24px; }
footer.site .foot-links { display: flex; gap: 20px; flex-wrap: wrap; }
footer.site .foot-links a { text-decoration: none; color: inherit; }
footer.site .foot-links a:hover { color: var(--teal); }
footer.site .foot-meta { width: 100%; text-align: left; opacity: 0.9; }

/* ---------- Legal pages (Impressum / Datenschutz) ---------- */
.legal { padding-block: 64px 96px; }
.legal .wrap { max-width: 760px; }
.legal-wide .wrap { max-width: 960px; }
.legal h1 { font-size: clamp(2rem, 4vw, 2.7rem); font-weight: 600; }
.legal .eyebrow { display: block; margin-bottom: 14px; }
.legal h2 {
  font-size: 1.1rem;
  margin-top: 44px;
  margin-bottom: 12px;
  font-family: "Open Sans", sans-serif;
  font-weight: 700;
}
.legal p, .legal li { color: var(--ink-soft); font-size: 0.98rem; }
.legal p { margin: 10px 0; }
.legal ul { padding-left: 1.2em; }
.legal a { color: var(--teal); text-decoration: underline; }
.legal .updated { margin-top: 48px; font-size: 0.84rem; color: var(--ink-faint); }
.placeholder {
  background: color-mix(in srgb, #ff9a3d 18%, transparent);
  border: 1px solid color-mix(in srgb, #ff9a3d 45%, transparent);
  border-radius: 6px;
  padding: 1px 7px;
  font-weight: 600;
  color: var(--ink);
}

/* ---------- Dokumente (Downloads) ---------- */
.doc-list { display: flex; flex-direction: column; gap: 14px; margin-top: 32px; }
.doc-card {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 20px 22px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--surface);
}
.doc-icon {
  flex: none;
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: var(--sand);
  display: flex;
  align-items: center;
  justify-content: center;
}
.doc-icon svg { width: 22px; height: 22px; stroke: var(--sand-ink); }
.doc-info { flex: 1; min-width: 0; }
.doc-info h3 { font-size: 1.02rem; font-weight: 600; color: var(--ink); }
.doc-info p { margin: 4px 0 0; font-size: 0.9rem; color: var(--ink-soft); }
.doc-meta { margin-top: 6px; font-size: 0.8rem; color: var(--ink-faint); }
.doc-card .btn { flex: none; }
.doc-status { color: var(--ink-soft); font-size: 0.95rem; padding: 8px 0; }
@media (max-width: 640px) {
  .doc-card { flex-direction: column; align-items: flex-start; }
  .doc-card .btn { width: 100%; text-align: center; }
}

/* ---------- Terminbuchung (Calendly) ---------- */
.calendly-wrap {
  margin-top: 32px;
  border: 1px solid var(--line);
  border-radius: 20px;
  overflow: hidden;
  background: var(--surface);
}
.calendly-inline-widget { min-width: 320px; height: 780px; }
@media (max-width: 640px) {
  .calendly-inline-widget { height: 900px; }
}

@media (max-width: 860px) {
  nav.links { display: none; }
  .menu-toggle { display: inline-flex; }
  .nav-cta { display: none; }
  .hero .wrap { flex-direction: column; text-align: center; padding-block: 40px; gap: 28px; }
  .hero-copy .eyebrow { display: block; }
  h1.quote { max-width: none; }
  .hero-actions { justify-content: center; }
  .tint-cards { grid-template-columns: 1fr; }
  .why .wrap { grid-template-columns: 1fr; }
  .service-tracks { grid-template-columns: 1fr; gap: 48px; }
  .process-grid { grid-template-columns: 1fr 1fr; }
  .contact .wrap { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  section { padding-block: 56px; }
  .hero-figure, .hero-portrait { width: 180px; height: 180px; }
  .process-grid { grid-template-columns: 1fr; }
  .compare-row { grid-template-columns: 1fr; }
  .compare-cell + .compare-cell { border-left: none; border-top: 1px solid var(--line); }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
}