:root{
  --bg:#f5f5f7;
  --surface:#ffffff;
  --text:#1f2430;
  --muted:#68707f;
  --line:#d9dde5;

  /* West Finanz logo palette */
  --primary:#133b86;      /* deep logo blue */
  --primary-2:#1e57a8;    /* bright logo blue */
  --accent:#c6902d;       /* gold */
  --accent-2:#d9a847;     /* warm gold */
  --signal:#b91f24;       /* logo red */
  --signal-2:#89161b;     /* dark red */
  --dark:#101317;
  --silver:#8d9096;

  --success:#0b6b4f;
  --shadow:0 18px 40px rgba(19,59,134,.12);
  --radius:20px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,Arial,Helvetica,sans-serif;
  color:var(--text);
  background:
    linear-gradient(180deg, #f7f7f8 0%, #f1f3f7 100%);
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(var(--max),calc(100% - 2rem));margin:auto}
.topbar{
  background:linear-gradient(90deg,var(--dark) 0%, var(--primary) 58%, var(--signal-2) 100%);
  color:#fff;
  font-size:.95rem;
}
.topbar-inner{
  display:flex;justify-content:space-between;gap:1rem;align-items:center;
  padding:.6rem 0;flex-wrap:wrap;
}
.header{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);
  backdrop-filter:blur(10px);border-bottom:1px solid rgba(201,144,45,.18);
  box-shadow:0 8px 24px rgba(16,19,23,.05);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1rem 0;
}
.brand{display:flex;align-items:center;gap:.85rem;font-weight:800;color:var(--primary)}
.brand-mark{
  width:81px;height:98px;border-radius:28px;display:grid;place-items:center;
  background:
    linear-gradient(135deg,var(--primary) 0%, var(--primary-2) 52%, var(--accent) 100%);
  color:#fff;
  box-shadow:var(--shadow);font-size:1.1rem;font-weight:800;
  border:1px solid rgba(255,255,255,.45);
}
.brand small{display:block;color:var(--muted);font-weight:700;font-size:.76rem;letter-spacing:.04em}
.nav{display:flex;gap:1.1rem;align-items:center}
.nav a{font-weight:700;color:#243245;position:relative}
.nav a:hover,.nav a.active{color:var(--primary)}
.nav a.active::after,
.nav a:hover::after{
  content:"";position:absolute;left:0;right:0;bottom:-8px;height:3px;border-radius:99px;
  background:linear-gradient(90deg,var(--accent),var(--signal));
}
.btn,.btn-outline{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.95rem 1.25rem;border-radius:999px;font-weight:800;transition:.22s ease;
}
.btn{
  background:linear-gradient(135deg,var(--primary) 0%, var(--primary-2) 65%, var(--accent) 100%);
  color:#fff;box-shadow:0 14px 28px rgba(19,59,134,.22)
}
.btn:hover{transform:translateY(-1px)}
.btn-outline{
  border:1px solid rgba(19,59,134,.14);background:#fff;color:var(--primary)
}
.btn-outline:hover{
  border-color:rgba(198,144,45,.4);
  box-shadow:0 10px 20px rgba(19,59,134,.06);
}
.menu-toggle{
  display:none;border:1px solid var(--line);background:#fff;border-radius:12px;
  padding:.7rem .85rem;font-weight:700;color:var(--primary)
}
.hero{
  position:relative;overflow:hidden;padding:5rem 0 4rem;
  background:
    radial-gradient(circle at top right, rgba(198,144,45,.22), transparent 22%),
    radial-gradient(circle at left 18%, rgba(185,31,36,.10), transparent 24%),
    linear-gradient(180deg,#fafbfd 0%, #eff3f9 100%);
}
.hero-grid{
  display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:center;
}
.eyebrow{
  display:inline-block;background:rgba(19,59,134,.08);color:var(--primary);
  padding:.45rem .8rem;border-radius:999px;font-size:.88rem;font-weight:800;
  border:1px solid rgba(198,144,45,.18);
}
.hero h1{
  font-size:clamp(2.1rem,4.3vw,4.2rem);line-height:1.06;margin:.9rem 0 1rem;
  color:#14253f;
}
.hero p{font-size:1.08rem;color:#4b5563;max-width:60ch}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.6rem}
.hero-card{
  background:var(--surface);border:1px solid rgba(198,144,45,.18);border-radius:28px;
  box-shadow:0 22px 44px rgba(19,59,134,.12);padding:1.25rem;position:relative;overflow:hidden;
}
.hero-card::before{
  content:"";position:absolute;inset:auto -30px -40px auto;width:180px;height:180px;
  background:radial-gradient(circle, rgba(198,144,45,.22), transparent 60%);
}
.kpi{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:1.25rem}
.kpi .item{
  background:#fff;border:1px solid rgba(19,59,134,.10);border-radius:18px;padding:1rem;
  box-shadow:0 8px 18px rgba(16,19,23,.04)
}
.kpi strong{display:block;font-size:1.35rem;color:var(--primary)}
.section{padding:4rem 0}
.section-title{max-width:760px;margin:0 auto 2rem;text-align:center}
.section-title h2{font-size:clamp(1.7rem,3vw,2.7rem);line-height:1.15;margin:.3rem 0 .8rem;color:#162743}
.section-title p{color:var(--muted);margin:0}
.grid-3,.grid-4,.grid-2{display:grid;gap:1.35rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{
  background:linear-gradient(180deg,#ffffff 0%, #fbfcff 100%);
  border:1px solid rgba(19,59,134,.08);border-radius:var(--radius);
  padding:1.4rem;box-shadow:0 10px 28px rgba(19,59,134,.05)
}
.card h3{margin:.4rem 0 .5rem;font-size:1.18rem;color:#162743}
.card p{margin:0;color:var(--muted)}
.icon{
  width:52px;height:52px;border-radius:16px;display:grid;place-items:center;
  background:linear-gradient(135deg,rgba(19,59,134,.12),rgba(30,87,168,.18),rgba(198,144,45,.18));
  color:var(--primary);font-weight:900;border:1px solid rgba(198,144,45,.20)
}
.split{
  display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:center
}
.visual{
  min-height:360px;border-radius:30px;border:1px solid rgba(255,255,255,.08);
  box-shadow:0 24px 46px rgba(19,59,134,.18);
  background:
    linear-gradient(145deg, rgba(16,19,23,.96) 0%, rgba(19,59,134,.96) 46%, rgba(30,87,168,.92) 78%, rgba(185,31,36,.88) 100%);
  position:relative;overflow:hidden;color:#fff;padding:2rem
}
.visual::before{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(120deg, transparent 0%, transparent 58%, rgba(255,255,255,.04) 58%, rgba(255,255,255,.04) 61%, transparent 61%);
  pointer-events:none;
}
.visual::after{
  content:"";position:absolute;right:-40px;bottom:-50px;width:260px;height:260px;border-radius:50%;
  background:radial-gradient(circle, rgba(217,168,71,.34), transparent 62%);
}
.visual .glass{
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);
  border-radius:22px;padding:1rem 1.1rem;margin-top:1rem;backdrop-filter:blur(6px)
}
.checks{display:grid;gap:.8rem}
.check{display:flex;gap:.7rem;align-items:flex-start}
.check b{color:var(--primary)}
.cta{
  padding:3.4rem 0;
}
.cta-box{
  background:linear-gradient(135deg,var(--dark) 0%, var(--primary) 42%, var(--primary-2) 72%, var(--signal) 100%);
  color:#fff;border-radius:30px;padding:2rem;display:grid;grid-template-columns:1.2fr .8fr;gap:1rem;align-items:center;
  box-shadow:0 24px 46px rgba(19,59,134,.18)
}
.cta-box p{color:rgba(255,255,255,.86)}
.form-card{
  background:#fff;border:1px solid rgba(19,59,134,.10);border-radius:28px;padding:1.5rem;
  box-shadow:0 18px 40px rgba(19,59,134,.08)
}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
label{display:block;font-weight:700;margin:0 0 .38rem}
input,select,textarea{
  width:100%;padding:1rem 1rem;border:1px solid #d9dee8;border-radius:14px;background:#fff;color:var(--text);
  outline:none;font:inherit
}
textarea{min-height:140px;resize:vertical}
input:focus,select:focus,textarea:focus{
  border-color:var(--primary);
  box-shadow:0 0 0 4px rgba(19,59,134,.08)
}
.helper{font-size:.94rem;color:var(--muted)}
.badge-note{
  display:inline-block;border:1px solid rgba(217,168,71,.55);color:#7b5d00;background:rgba(217,168,71,.12);
  padding:.45rem .75rem;border-radius:999px;font-weight:800;font-size:.88rem
}
.faq-item{
  background:#fff;border:1px solid rgba(19,59,134,.08);border-radius:18px;padding:1rem 1.1rem
}
.faq-item summary{cursor:pointer;font-weight:800;color:var(--primary)}
.faq-item p{color:var(--muted)}
.notice{
  border-left:4px solid var(--accent);padding:1rem 1rem 1rem 1.1rem;background:#fff9ef;border-radius:12px;
  color:#5b4b1d
}
.footer{
  background:linear-gradient(145deg,#0d131b 0%, #10284b 45%, #133b86 75%, #b91f24 100%);
  color:#dbe4f3;padding:3rem 0 1.5rem;margin-top:2rem
}
.footer-grid{display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:1.5rem}
.footer h4{margin:.2rem 0 1rem;color:#fff}
.footer a{color:#eef4ff}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.14);margin-top:1.4rem;padding-top:1rem;font-size:.95rem;color:#dfe7f8
}
.page-hero{
  padding:3.4rem 0 2.2rem;
  background:
    radial-gradient(circle at top right, rgba(198,144,45,.16), transparent 20%),
    linear-gradient(180deg,#fafbfd 0%, #eff3f9 100%)
}
.page-hero h1{margin:.4rem 0 0;font-size:clamp(2rem,3vw,3rem);color:#162743}
.breadcrumb{color:var(--muted);font-size:.94rem}
.list-clean{padding-left:1.1rem}
.list-clean li{margin:.35rem 0}
.status-box{
  max-width:800px;margin:0 auto;text-align:center;background:#fff;border:1px solid rgba(19,59,134,.08);
  border-radius:28px;padding:2rem;box-shadow:0 18px 40px rgba(19,59,134,.08)
}
.center{text-align:center}
.mt-0{margin-top:0}
.mt-1{margin-top:.6rem}
.mt-2{margin-top:1rem}
.mt-3{margin-top:1.5rem}
.mb-0{margin-bottom:0}
.small{font-size:.95rem;color:var(--muted)}
.hide{display:none}

@media (max-width: 980px){
  .hero-grid,.split,.cta-box,.footer-grid,.grid-4,.grid-3,.grid-2{grid-template-columns:1fr}
  .nav{
    display:none;position:absolute;top:100%;left:1rem;right:1rem;background:#fff;border:1px solid rgba(19,59,134,.10);
    border-radius:18px;padding:1rem;box-shadow:0 22px 42px rgba(19,59,134,.14);flex-direction:column;align-items:flex-start
  }
  .nav.open{display:flex}
  .menu-toggle{display:inline-flex}
  .form-grid{grid-template-columns:1fr}
}

/* Hero backgrounds for all page header sections */
.hero,
.page-hero{
  position:relative;
  overflow:hidden;
}
.hero::before,
.page-hero::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    linear-gradient(rgba(11,18,31,.58), rgba(11,18,31,.58)),
    url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1600&q=80') center/cover no-repeat;
  z-index:0;
}
.hero > .container,
.page-hero > .container{
  position:relative;
  z-index:1;
}
.page-hero{
  color:#fff !important;
}
.page-hero h1,
.page-hero .breadcrumb,
.page-hero .small,
.page-hero p{
  color:#fff !important;
}
.hero{
  color:#fff;
}
.hero h1,
.hero p{
  color:#fff !important;
}

/* Topbar kontakt icons */
.topbar-kontakt{
  display:flex;
  gap:1rem;
  flex-wrap:wrap;
  align-items:center;
}
.topbar-kontakt span{
  display:inline-flex;
  align-items:center;
  gap:.45rem;
}
.topbar-icon{
  display:inline-grid;
  place-items:center;
  width:22px;
  height:22px;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  font-size:.78rem;
  line-height:1;
}
@media (max-width: 980px){
  .topbar-inner{
    justify-content:center;
    text-align:center;
  }
  .topbar-kontakt{
    justify-content:center;
  }
}