/* Boncred – Landingpage Digitaler Kontocheck
   Mobile first. Mehrspaltigkeit entsteht über flex-wrap, nicht über Media Queries. */

@font-face {
  font-family: 'Plus Jakarta Sans';
  src: url('../fonts/PlusJakartaSans-wght.woff2') format('woff2');
  font-weight: 200 800;
  font-style: normal;
  font-display: swap;
}

:root {
  --blue: #009ED6;                 /* Logo-Blau: Akzent, Icons */
  --grad: linear-gradient(145deg, #0090D2 0%, #0062AD 100%);
  --grad-btn: linear-gradient(145deg, #0090D2 0%, #0068B4 100%);
  --link: #00719A;
  --link-hover: #00506E;
  --link-strong: #00607F;
  --icon: #0085BA;
  --tint: #E3F4FB;
  --tint-card: #DDF1FA;
  --ground: #F3F6F9;
  --grey-card: #E6ECF1;
  --text: #0E1B24;
  --muted: #44525C;
  --muted-strong: #33434E;
  --error: #B42318;
  --pad: clamp(20px, 5vw, 40px);
  --shadow: 0 2px 14px rgba(14, 27, 36, 0.05);
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  min-height: 100vh;
  font-family: 'Plus Jakarta Sans', 'Segoe UI', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  color: var(--text);
  background:
    radial-gradient(900px 460px at 88% -8%, #CFEBF8 0%, rgba(207, 235, 248, 0) 70%) no-repeat,
    var(--ground);
  -webkit-font-smoothing: antialiased;
  display: flex;
  flex-direction: column;
}

main { flex: 1 0 auto; }

h1, h2, h3, p, ul, ol { margin: 0; }
ul, ol { padding: 0; list-style: none; }

a { color: var(--link); }
a:hover { color: var(--link-hover); }

:focus-visible { outline: 3px solid var(--text); outline-offset: 3px; }

[hidden] { display: none !important; }

/* ---------- Layout ---------- */

.container { max-width: 1080px; margin: 0 auto; padding-inline: var(--pad); }
.container--narrow { max-width: 640px; }

.header { padding-top: 16px; }
.logo { display: block; height: clamp(40px, 4vw, 52px); width: auto; }

.section--s { padding-top: clamp(20px, 3vw, 32px); }
.section--m { padding-top: clamp(24px, 4.5vw, 52px); }
.section--l { padding-top: clamp(36px, 5vw, 60px); }
.page-end { padding-bottom: clamp(40px, 6vw, 72px); }

.row { display: flex; flex-wrap: wrap; align-items: stretch; gap: 16px 32px; }
.row--top { align-items: flex-start; }
.row--hero { align-items: center; gap: 28px 56px; }
.col { flex: 1 1 340px; min-width: 0; }
.col--wide { flex: 1.25 1 400px; }
.col--text { flex-basis: 360px; }

.stack { display: flex; flex-direction: column; gap: 12px; }
.stack--start { align-items: flex-start; gap: 14px; }
.stack--l { gap: 18px; }
.stack--xl { gap: 22px; }
.center { display: flex; justify-content: center; }
.push { margin-top: auto; }

/* ---------- Text ---------- */

.h1 { font-size: clamp(30px, 4.2vw, 48px); line-height: 1.12; font-weight: 800; letter-spacing: -0.025em; }
.h2 { font-size: clamp(23px, 2.6vw, 30px); line-height: 1.2; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 18px; }
.h2--card { font-size: clamp(20px, 2.2vw, 26px); line-height: 1.25; margin-bottom: 0; }
.h3 { font-size: 18px; line-height: 1.3; font-weight: 800; letter-spacing: -0.01em; margin-bottom: 4px; }
.card-title { font-size: 19px; line-height: 1.3; font-weight: 800; letter-spacing: -0.01em; min-width: 0; }
.lead { font-size: clamp(16px, 1.45vw, 18px); color: var(--muted); }
.h1 + .lead { margin-top: 10px; }
.text { font-size: 15px; color: var(--muted); }
.text strong { color: var(--text); font-weight: 800; }
.card--tint .text, .card--grey .text { color: var(--muted-strong); }
.overline { font-size: 12px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: var(--link); }

.chip {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 7px 14px 7px 9px; border-radius: 999px; background: #fff;
  font-size: 14px; font-weight: 700; color: var(--link-strong);
  box-shadow: 0 2px 10px rgba(14, 27, 36, 0.06);
}
.chip .icon { color: var(--blue); }

/* ---------- Icons ---------- */

.icon { flex: none; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.icon--bold { stroke-width: 2.6; }

.icon-circle {
  flex: none; width: 48px; height: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: var(--tint); color: var(--icon);
}
.icon-circle--sm { width: 44px; height: 44px; }
.icon-circle--xs { width: 40px; height: 40px; }
.icon-circle--white { background: #fff; }
.icon-circle--grey { background: #fff; color: var(--muted); }

.icon-tile {
  flex: none; width: 52px; height: 52px; border-radius: 17px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(145deg, #009ED6, #0079C6); color: #fff;
  box-shadow: 0 10px 18px -8px rgba(0, 125, 200, 0.7);
}

/* ---------- Kreditplanung (blaue Karte) ---------- */

.plan {
  position: relative; overflow: hidden;
  padding: 22px; border-radius: 30px;
  background: var(--grad); color: #fff;
  box-shadow: 0 22px 44px -18px rgba(0, 110, 180, 0.6);
}
.plan::before, .plan::after { content: ""; position: absolute; border-radius: 50%; }
.plan::before { width: 240px; height: 240px; top: -110px; right: -70px; background: rgba(255, 255, 255, 0.12); }
.plan::after { width: 150px; height: 150px; top: 46px; right: -62px; border: 26px solid rgba(255, 255, 255, 0.09); }

.plan__inner { position: relative; display: flex; flex-direction: column; gap: 16px; }
.plan__main { display: flex; flex-direction: column; gap: 14px; }
.plan__title { font-size: 14px; line-height: 1.55; font-weight: 700; letter-spacing: 0.02em; }
.plan__rate-label { display: block; font-size: 15px; font-weight: 600; }
.plan__rate { display: block; font-size: 50px; line-height: 1.05; font-weight: 800; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; white-space: nowrap; }
.plan__tiles { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }

.plan--hero { padding: 24px 22px 22px; }
.plan--hero .plan__inner { gap: 18px; }
.plan--hero .plan__rate { font-size: 62px; }

.plan--strip::before { top: -130px; left: 34%; right: auto; }
.plan--strip::after { display: none; }
.plan--strip .plan__inner { flex-direction: row; flex-wrap: wrap; align-items: center; gap: 16px 32px; }
.plan--strip .plan__main { flex: 1 1 250px; min-width: 0; }
.plan--strip .plan__tiles { flex: 1.2 1 290px; min-width: 0; }

.tile { display: flex; flex-direction: column; gap: 6px; padding: 14px; border-radius: 20px; background: #fff; color: var(--text); }
.tile .icon { color: var(--blue); stroke-width: 2; }
.tile__label { font-size: 13px; line-height: 1.35; color: var(--muted); }
.tile__value { font-size: 20px; line-height: 1.2; font-weight: 800; white-space: nowrap; font-variant-numeric: tabular-nums; }

/* ---------- Karten ---------- */

.card { padding: 18px; border-radius: 24px; background: #fff; box-shadow: var(--shadow); }
.card--note { border-radius: 22px; }
.card--lg { padding: clamp(20px, 3vw, 32px); border-radius: 30px; }
.card--tint { background: var(--tint-card); box-shadow: none; }
.card--grey { background: var(--grey-card); box-shadow: none; }
.card--status { padding: clamp(24px, 4vw, 40px); }

.media { display: flex; align-items: flex-start; gap: 16px; }
.media--center { align-items: center; gap: 14px; }
.media__body { min-width: 0; }

.grid-list { display: flex; flex-wrap: wrap; gap: 12px 16px; }
.grid-list > li { flex: 1 1 250px; min-width: 0; }
.grid-list--2 > li { flex-basis: 380px; }

.divider { height: 1px; margin: 12px 0; border: 0; background: #E6ECF0; }

.checklist { display: flex; flex-direction: column; gap: 12px; }
.checklist li { display: flex; align-items: flex-start; gap: 12px; font-weight: 600; }
.check { flex: none; width: 26px; height: 26px; border-radius: 50%; display: flex; align-items: center; justify-content: center; background: #0085C7; color: #fff; }
.check .icon { stroke-width: 3.4; }

/* ---------- Buttons und Links ---------- */

.btn {
  display: flex; align-items: center; width: 100%;
  border: 0; border-radius: 999px;
  font: inherit; font-weight: 800; text-decoration: none; cursor: pointer;
}
.btn--primary {
  min-height: 62px; padding: 8px 8px 8px 24px;
  justify-content: space-between; gap: 12px;
  background: var(--grad-btn); color: #fff;
  font-size: clamp(16px, 4.4vw, 19px); letter-spacing: -0.01em; text-align: left;
  box-shadow: 0 18px 30px -14px rgba(0, 110, 180, 0.75);
  transition: filter 0.15s ease, transform 0.15s ease;
}
.btn--primary:hover { color: #fff; filter: brightness(1.07); }
.btn--primary:active { transform: translateY(1px); }
.btn__arrow { flex: none; width: 46px; height: 46px; border-radius: 50%; display: flex; align-items: center; justify-content: center; background: #fff; color: #0079C6; }

.btn--secondary {
  min-height: 54px; padding: 10px 20px;
  justify-content: center; gap: 8px;
  background: #fff; color: var(--link-strong); font-size: 16px; text-align: center;
  box-shadow: 0 2px 10px rgba(14, 27, 36, 0.06);
}
.btn--secondary:hover { color: var(--link-hover); }
.btn--dark, .btn--dark:hover { color: var(--text); }
.btn[disabled] { opacity: 0.6; cursor: progress; }

.cta .btn { max-width: 400px; }

.back { display: inline-flex; align-items: center; gap: 8px; min-height: 48px; padding: 0 18px; font-size: 16px; font-weight: 800; text-decoration: none; }

/* ---------- IBAN-Feld ---------- */

.field__label { min-width: 0; font-size: 17px; line-height: 1.35; font-weight: 800; letter-spacing: -0.01em; }
.field__input {
  width: 100%; height: 62px; padding: 0 14px;
  border: 2px solid #C9D7E0; border-radius: 20px; background: #F7FAFC; color: var(--text);
  font: inherit; font-size: clamp(16px, 4.2vw, 20px); font-weight: 700; letter-spacing: 0.02em; font-variant-numeric: tabular-nums;
}
.field__input:focus { outline: none; border-color: #0085C7; box-shadow: 0 0 0 4px rgba(0, 158, 214, 0.2); }
.field__input[aria-invalid="true"] { border-color: var(--error); }
.field__hint { font-size: 14px; color: var(--muted); font-variant-numeric: tabular-nums; }
.field__error { font-size: 14px; font-weight: 700; color: var(--error); }

/* ---------- FAQ ---------- */

.faq { display: flex; flex-direction: column; gap: 10px; margin-top: 20px; }
.faq__item { border-radius: 22px; background: #fff; box-shadow: var(--shadow); }
.faq__item summary {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  min-height: 64px; padding: 14px 14px 14px 20px; border-radius: 22px;
  font-size: 17px; line-height: 1.35; font-weight: 800; letter-spacing: -0.01em;
  list-style: none; cursor: pointer;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__chevron { flex: none; width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; background: var(--tint); color: var(--icon); transition: transform 0.2s ease; }
.faq__item[open] .faq__chevron { transform: rotate(180deg); }
.faq__answer { display: flex; flex-direction: column; gap: 10px; max-width: 760px; padding: 0 20px 20px; font-size: 15px; color: var(--muted); }

/* ---------- Danke- und Fehlerseite ---------- */

.status { display: flex; flex-direction: column; align-items: center; gap: 14px; padding-top: 10px; text-align: center; }
.badge {
  width: 84px; height: 84px; margin-bottom: 12px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(145deg, #009ED6, #0068B4); color: #fff;
  box-shadow: 0 0 0 12px rgba(0, 158, 214, 0.14), 0 18px 30px -12px rgba(0, 110, 180, 0.75);
}
.badge--warn { background: #FFE9CC; color: #A84B00; box-shadow: 0 0 0 12px rgba(245, 158, 11, 0.14); }
.h1--error { font-size: clamp(27px, 3.8vw, 40px); line-height: 1.15; }
.status__lead { font-size: 18px; line-height: 1.4; font-weight: 700; }

.info-row { display: flex; align-items: flex-start; gap: 14px; padding: 16px; border-radius: 22px; background: var(--ground); font-size: 15px; color: var(--muted-strong); }
.info-row p { min-width: 0; }
.closing { text-align: center; font-size: 17px; font-weight: 800; color: var(--link-strong); }
.small { text-align: center; font-size: 14px; color: var(--muted); }

.contact { display: flex; flex-direction: column; gap: 12px; padding: clamp(12px, 3vw, 18px); border-radius: 24px; background: var(--ground); }
.contact__name { font-size: 19px; font-weight: 800; letter-spacing: -0.01em; }
.contact__link {
  display: flex; align-items: center; gap: 12px;
  min-height: 60px; padding: 10px 14px 10px 10px; border-radius: 18px;
  background: #fff; color: var(--text); text-decoration: none;
  box-shadow: 0 2px 10px rgba(14, 27, 36, 0.05);
}
.contact__link:hover { color: var(--text); }
.contact__text { display: flex; flex-direction: column; min-width: 0; }
.contact__kind { font-size: 13px; color: var(--muted); }
.contact__value { font-size: clamp(15px, 4vw, 16px); font-weight: 800; overflow-wrap: anywhere; font-variant-numeric: tabular-nums; }
.contact__link > .icon { margin-left: auto; color: var(--link); }

/* ---------- Fußzeile ---------- */

.footer { border-top: 1px solid #DDE5EA; padding-block: 8px 20px; }
.footer__nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 0 8px; }
.footer__nav a { display: inline-flex; align-items: center; min-height: 44px; padding: 0 10px; font-size: 14px; font-weight: 600; color: var(--muted); text-decoration: none; }
.footer__nav a:hover { color: var(--text); text-decoration: underline; }

/* Nur auf schmalen Bildschirmen sichtbar (zusätzlicher Button auf der Startseite) */
@media (min-width: 720px) {
  .only-mobile { display: none !important; }
}

/* ==========================================================
   Variante 2 – auf Abschluss optimierter Aufbau
   ========================================================== */

/* Kopfbereich.
   Handy: eine Spalte in der Reihenfolge Text, Kreditplanung, Erklärung, Start, Hinweis.
   Desktop: links Text und Erklärung, rechts Kreditplanung, Start und Hinweis. */
.hero2 { display: flex; flex-direction: column; gap: 14px; }
.hero2__col { display: contents; }
.hero2__text { order: 1; }
.hero2__plan { order: 2; min-width: 0; }
.hero2__why { order: 3; }
.hero2__start { order: 4; min-width: 0; }
.hero2__note { order: 5; margin-top: 0; }
@media (min-width: 860px) {
  .hero2 { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(0, 1fr); gap: 24px 48px; align-items: start; padding-top: clamp(24px, 4.5vw, 52px); }
  .hero2__col { display: flex; flex-direction: column; gap: 20px; min-width: 0; }
  .hero2__text { padding-block: 8px 6px; }
}

.why { display: flex; flex-direction: column; gap: 12px; }
.why__list { display: flex; flex-direction: column; gap: 14px; margin-top: 6px; }
.why__list .media { gap: 14px; }
.why__list .h3 { margin-bottom: 2px; }
.icon-tile--sm { width: 44px; height: 44px; border-radius: 14px; }

/* Handy: Kreditplanung kompakter, damit der Start-Button früher ins Bild kommt */
@media (max-width: 719px) {
  .hero2 .stack--start { gap: 10px; }
  .hero2 .plan--hero { padding: 18px; }
  .hero2 .plan--hero .plan__inner { gap: 12px; }
  .hero2 .plan--hero .plan__main { gap: 8px; }
  .hero2 .plan--hero .plan__rate { font-size: 50px; }
  .hero2 .tile { padding: 10px 14px; gap: 0; border-radius: 16px; }
  .hero2 .tile .icon { display: none; }
  .hero2 .start, .hero2 .why { padding: 16px; }
  .hero2 .start { gap: 12px; }
}
.plan__note { margin-top: 10px; font-size: 13px; line-height: 1.45; color: var(--muted); }

.start { display: flex; flex-direction: column; gap: 14px; scroll-margin-top: 16px; }
.start .field__label { font-size: 16px; }

.trust { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: 13px; font-weight: 700; color: var(--muted-strong); }
.trust li { display: inline-flex; align-items: center; gap: 6px; }
.trust .icon { color: #0085C7; }

/* Ablauf als kompakte Liste in einer Karte */
.steps2 { display: flex; flex-wrap: wrap; gap: 16px 28px; }
.step2 { flex: 1 1 240px; min-width: 0; display: flex; align-items: flex-start; gap: 14px; }
.step2__num { flex: none; width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; background: #0079C6; color: #fff; font-size: 16px; font-weight: 800; }

.faq--flush { margin-top: 0; }
.more { display: flex; justify-content: center; margin-top: 8px; }

/* Abschlussband */
.band { display: flex; flex-wrap: wrap; align-items: center; gap: 18px 32px; padding: clamp(22px, 4vw, 36px); border-radius: 30px; background: var(--grad); color: #fff; box-shadow: 0 22px 44px -18px rgba(0, 110, 180, 0.6); }
.band__text { flex: 1 1 300px; min-width: 0; }
.band__title { font-size: clamp(22px, 2.6vw, 30px); line-height: 1.2; font-weight: 800; letter-spacing: -0.02em; }
.band__lead { margin-top: 6px; font-size: 16px; font-weight: 600; }
.btn--light { flex: 1 1 280px; max-width: 400px; min-height: 62px; padding: 8px 8px 8px 24px; justify-content: space-between; gap: 12px; background: #fff; color: #005F96; font-size: clamp(16px, 4.4vw, 19px); letter-spacing: -0.01em; text-align: left; }
.btn--light .btn__arrow { background: #0079C6; color: #fff; }

/* Feste Leiste am unteren Rand, nur auf dem Handy */
.sticky {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 10;
  display: flex; align-items: center; gap: 12px;
  padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, 0.94); border-top: 1px solid #DDE5EA;
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  box-shadow: 0 -8px 24px rgba(14, 27, 36, 0.08);
  transform: translateY(110%); visibility: hidden;
  transition: transform 0.25s ease, visibility 0.25s;
}
.sticky.is-visible { transform: none; visibility: visible; }
.sticky__info { display: flex; flex-direction: column; flex: none; line-height: 1.2; }
.sticky__label { font-size: 10.5px; white-space: nowrap; font-weight: 600; color: var(--muted); }
.sticky__rate { font-size: 22px; font-weight: 800; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.sticky__btn { flex: 1 1 auto; width: auto; min-height: 52px; padding: 6px 6px 6px 16px; font-size: 15px; white-space: nowrap; }
.sticky__btn .btn__arrow { width: 40px; height: 40px; }
@media (max-width: 719px) {
  .has-sticky { padding-bottom: 84px; }
}
@media (min-width: 720px) {
  .sticky { display: none; }
}

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