/* ==========================================================================
   PhysioFinance – V4
   Basis: die vom Kunden bevorzugte Variante (grünes Kopffeld inkl. Navigation,
   weiße Grundfläche, Limette als Akzent, kompakte Karten).
   Eigenständiges Stylesheet – lädt NICHT styles.css.
   ========================================================================== */

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#ffffff;--soft:#f6f6f2;--soft-2:#f1f1ec;
  --forest:#0c2a18;--forest-2:#0e3020;
  --lime:#c4f04a;--lime-h:#b7e63a;
  --ink:#141613;--muted:#5b6a5f;
  --line:#e9eae3;--line-2:#f0f1ea;--white:#fff;
  --tint:#e9f3dc;--green-ink:#2f5d3a;
  /* Diese drei wurden bisher benutzt, aber nie im neuen System definiert –
     sie fielen daher wirkungslos aus (Vergleichsspalte ohne Tönung usw.). */
  --tint-2:#f1f7e6;--tint-line:#d7e7bd;--line-soft:#edeee7;
  --warn:#b8701c;--warn-bg:#fbf3e8;
  --font:'Inter',system-ui,sans-serif;
  --font-d:'Inter Tight','Inter',system-ui,sans-serif;
  --r:20px;--r-sm:8px;
}
html{scroll-behavior:smooth}
body{font-family:var(--font);background:var(--bg);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased;letter-spacing:-.011em;overflow-x:hidden}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
/* Sicherheitsnetz: Ein SVG ohne width/height fällt sonst auf 300x150 px
   zurück und sprengt das Layout. Klassenregeln überschreiben das hier. */
svg{display:block;width:1em;height:1em}
button{font:inherit;color:inherit;background:none;border:none;cursor:pointer}
:focus-visible{outline:2.5px solid var(--forest);outline-offset:2px;border-radius:4px}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--font-d);font-weight:600;letter-spacing:-.03em;line-height:1.05}
.eyebrow{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.11em;color:var(--muted)}
.center{text-align:center}

/* --- Buttons ------------------------------------------------------------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;padding:14px 22px;border-radius:var(--r-sm);cursor:pointer;border:1.5px solid transparent;transition:transform .16s,background .16s,box-shadow .16s,border-color .16s;white-space:nowrap}
.btn-lime{background:var(--lime);color:var(--forest)}
.btn-lime:hover{background:var(--lime-h);transform:translateY(-1px)}
.btn-white{background:var(--white);color:var(--ink);border-color:var(--white)}
.btn-white:hover{transform:translateY(-1px);box-shadow:0 8px 20px -8px rgba(0,0,0,.25)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.3)}
.btn-ghost:hover{border-color:#fff}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:var(--ink)}
.btn-line{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;border:1.5px solid var(--line);padding:9px 9px 9px 15px;border-radius:var(--r-sm);transition:border-color .16s,background .16s}
.btn-line:hover{border-color:var(--ink);background:var(--soft)}
.arrow{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:5px;background:var(--lime);color:var(--forest);flex-shrink:0}
.arrow svg{width:13px;height:13px}

/* --- Grünes Kopffeld (Navigation liegt darin) ---------------------------- */
.top{background:var(--forest);border-radius:0 0 24px 24px;position:relative;overflow:hidden}
.top::after{content:"";position:absolute;top:-140px;right:-100px;width:480px;height:480px;background:radial-gradient(circle,rgba(196,240,74,.12),transparent 66%);pointer-events:none}
.nav{position:sticky;top:0;z-index:60;padding:14px 24px}
.nav-bar{max-width:1180px;margin:0 auto;background:rgba(12,42,24,.5);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.1);border-radius:16px;display:flex;align-items:center;justify-content:space-between;padding:11px 14px 11px 18px;height:62px}
.brand{display:flex;align-items:center;gap:10px}
.brand .mark{width:30px;height:30px;flex-shrink:0}
.brand .word{font-family:var(--font-d);font-size:20px;font-weight:700;letter-spacing:-.04em;color:#fff;display:inline-flex;align-items:baseline}
.brand .word em{font-style:normal;color:rgba(255,255,255,.5);font-weight:500}
.nav-links{display:flex;gap:4px;align-items:center;list-style:none}
.nav-links a,.nav-links .trg{display:flex;align-items:center;gap:6px;font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:rgba(255,255,255,.85);padding:9px 13px;border-radius:8px;transition:background .14s,color .14s}
.nav-links a:hover,.nav-links .trg:hover{background:rgba(255,255,255,.08);color:#fff}
.nav-links li{position:relative}
.nav-links .trg svg{width:10px;height:10px;opacity:.6;transition:transform .18s}
.nav-links li:hover .trg svg{transform:rotate(180deg)}
.mega{position:absolute;top:calc(100% + 12px);left:-10px;width:480px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 24px 50px -30px rgba(12,42,24,.5);display:grid;grid-template-columns:1fr 1fr;gap:2px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .16s,transform .16s,visibility .16s}
.nav-links li:hover .mega,.mega:hover,.nav-links li:focus-within .mega{opacity:1;visibility:visible;transform:translateY(0)}
.mega::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.mega a{display:flex;align-items:flex-start;gap:10px;padding:11px;border-radius:10px;text-transform:none;letter-spacing:normal;font-weight:500;color:var(--ink)}
.mega a:hover{background:var(--soft);color:var(--ink)}
.mega .mi{width:30px;height:30px;border-radius:8px;background:var(--forest);color:var(--lime);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.mega .mi svg{width:15px;height:15px}
.mega .mt{display:block;font-size:13.5px;font-weight:650;letter-spacing:-.01em;line-height:1.3}
.mega .md{display:block;font-size:12px;color:var(--muted);line-height:1.4;margin-top:2px}
.nav-right{display:flex;align-items:center;gap:10px}
.nlogin{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:#fff;border:1.5px solid rgba(255,255,255,.25);padding:12px 18px;border-radius:var(--r-sm)}
.nlogin:hover{border-color:#fff}
.burger{display:none;padding:8px;color:#fff}
.burger svg{width:24px;height:24px}
.mnav{display:none;max-width:1180px;margin:8px auto 0;background:var(--forest-2);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:10px}
.mnav.open{display:block}
.mnav a{display:block;font-size:14px;font-weight:600;padding:12px;border-radius:8px;text-transform:uppercase;letter-spacing:.04em;color:#fff}
.mnav a:hover{background:rgba(255,255,255,.07)}
.mnav .mlabel{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.11em;color:rgba(255,255,255,.45);padding:12px 12px 4px}

/* --- Hero ---------------------------------------------------------------- */
.hero{padding:30px 0 54px;position:relative;z-index:1}
.crumb{font-size:13px;color:rgba(255,255,255,.5);margin-bottom:18px}
.crumb a{color:rgba(255,255,255,.5)}
.crumb a:hover{color:#fff}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:44px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--lime);background:rgba(196,240,74,.1);border:1px solid rgba(196,240,74,.22);padding:7px 13px;border-radius:100px;margin-bottom:20px}
.hero h1{font-size:clamp(38px,5vw,60px);letter-spacing:-.04em;color:#fff}
.hero h1 em{font-style:normal;color:var(--lime)}
.hero .sub{font-size:18px;color:rgba(255,255,255,.66);max-width:44ch;margin:20px 0 28px;line-height:1.55}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap}
.hero-metrics{display:flex;gap:28px;margin-top:32px;flex-wrap:wrap}
.hm .n{font-family:var(--font-d);font-size:24px;font-weight:600;color:#fff}
.hm .n b{color:var(--lime);font-weight:600}
.hm .l{font-size:12px;color:rgba(255,255,255,.5);margin-top:2px}

/* --- Handy-Mockup -------------------------------------------------------- */
.phone-wrap{display:flex;justify-content:center}
.phone{width:224px;background:#081b10;border:8px solid #05170d;border-radius:34px;padding:12px 11px;box-shadow:0 40px 70px -40px rgba(0,0,0,.7);position:relative}
.notch{width:88px;height:17px;background:#05170d;border-radius:0 0 12px 12px;margin:-12px auto 10px}
.pscreen{background:#123222;border-radius:16px;padding:12px}
.pscreen .ph{font-size:8px;font-weight:700;letter-spacing:.06em;color:rgba(255,255,255,.5);margin-bottom:9px}
.prec{background:#f4f2ea;border-radius:8px;padding:10px;margin-bottom:10px}
.prec .rt{font-size:8px;font-weight:700;color:#8a8f84;margin-bottom:6px}
.prec .rl{height:4px;background:#dedacf;border-radius:2px;margin-bottom:4px}
.prec .rl.s{width:55%}
.prec .rs{display:flex;justify-content:space-between;font-size:9px;font-weight:700;margin-top:6px;color:#555}
.kivor{background:#fff;border-radius:10px;padding:11px}
.kivor .kh{display:flex;justify-content:space-between;align-items:center;margin-bottom:7px}
.kivor .kh .t{font-size:10px;font-weight:700}
.kivor .kh .p{font-size:9px;font-weight:700;color:var(--green-ink);background:var(--tint);padding:2px 6px;border-radius:100px}
.kivor .kr{display:flex;justify-content:space-between;font-size:10px;color:#666;padding:2px 0}
.kivor .kr b{color:#111}
.kivor .kr .cat{font-size:9px;color:var(--green-ink);background:var(--tint);padding:1px 6px;border-radius:100px;font-weight:600}
.kivor .kd{margin-top:8px;background:var(--forest);color:#fff;border-radius:7px;padding:7px;text-align:center;font-size:10px;font-weight:600;display:flex;align-items:center;justify-content:center;gap:6px}
.kivor .kd svg{width:11px;height:11px;color:var(--lime)}

/* --- Sektionen ----------------------------------------------------------- */
.sec{padding:44px 0}
.sec-head{max-width:620px;margin-bottom:26px}
.sec-head .eyebrow{display:block;margin-bottom:12px}
.sec-head h2{font-size:clamp(26px,3vw,36px);margin-bottom:12px}
.sec-head p{font-size:16px;color:var(--muted);line-height:1.6}
.sec-head.mid{margin-left:auto;margin-right:auto;text-align:center}

/* --- Kompakter Stepper --------------------------------------------------- */
.band{padding:46px 0 10px}
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;border-top:1px solid var(--line);padding-top:26px}
.fstep{display:flex;gap:13px;align-items:flex-start}
.fstep .n{font-family:var(--font-d);font-size:13px;font-weight:700;color:var(--forest);background:var(--lime);width:28px;height:28px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.fstep h4{font-size:16px;margin-bottom:3px}
.fstep p{font-size:13px;color:var(--muted);line-height:1.5}

/* --- Checkliste als helle Karten ----------------------------------------- */
.checks{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.citem{display:flex;gap:12px;align-items:flex-start;background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:18px}
.citem .ck{width:24px;height:24px;border-radius:7px;background:#fff;color:var(--green-ink);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.citem .ck svg{width:13px;height:13px}
.citem b{font-family:var(--font-d);font-size:15.5px;font-weight:600;display:block;margin-bottom:2px}
.citem span{font-size:13px;color:var(--muted);line-height:1.5}

/* --- Weiche Inhaltsreihe (Text + kleines UI) ----------------------------- */
.kirow{display:grid;grid-template-columns:1fr 300px;gap:36px;align-items:center;background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:30px 32px}
.kirow.flip{grid-template-columns:300px 1fr}
.kirow .eyebrow{display:block;margin-bottom:10px}
.kirow h3{font-size:22px;margin-bottom:12px}
.kirow p{font-size:14.5px;color:var(--muted);line-height:1.6;margin-bottom:14px;max-width:52ch}
.kirow+.kirow{margin-top:14px}
.mini{list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.mini li{font-size:12.5px;font-weight:600;color:var(--green-ink);background:#fff;border:1px solid var(--line);padding:6px 12px;border-radius:100px}

/* --- Kleines Erkennungs-Panel -------------------------------------------- */
.erk{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.erk-h{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}
.erk-h .t{font-family:var(--font-d);font-weight:600;font-size:14px}
.erk-h .p{font-size:10px;font-weight:700;color:var(--green-ink);background:var(--tint);padding:3px 8px;border-radius:100px}
.erk-h .p.warn{color:var(--warn);background:var(--warn-bg)}
.erk-r{display:flex;justify-content:space-between;gap:10px;font-size:12.5px;padding:6px 0;color:#555;border-top:1px solid var(--line-2)}
.erk-r:first-of-type{border-top:none}
.erk-r b{color:var(--ink);font-weight:600}
.erk-r .cat{font-size:10px;color:var(--green-ink);background:var(--tint);padding:2px 8px;border-radius:100px;font-weight:600}
.erk-done{margin-top:10px;background:var(--forest);color:#fff;border-radius:8px;padding:9px;text-align:center;font-size:12px;font-weight:600;display:flex;align-items:center;justify-content:center;gap:7px}
.erk-done svg{width:13px;height:13px;color:var(--lime)}
.erk-note{font-size:11.5px;color:var(--muted);margin-top:8px;text-align:center}

/* --- Problem-Zeilen ------------------------------------------------------ */
.prob{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.pcard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}
.pcard .pi{width:28px;height:28px;border-radius:8px;background:var(--soft-2);color:var(--muted);display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.pcard .pi svg{width:15px;height:15px}
.pcard h4{font-size:16px;margin-bottom:5px}
.pcard p{font-size:13.5px;color:var(--muted);line-height:1.55}

/* --- Ablaufkette (Beleg → Buchung → Steuer) ------------------------------ */
.chain{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;align-items:stretch}
.clink{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:18px;position:relative}
.clink .cn{font-family:var(--font-d);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.clink h4{font-size:15.5px;margin-bottom:5px}
.clink p{font-size:13px;color:var(--muted);line-height:1.5}
.clink:not(:last-child)::after{content:"";position:absolute;right:-12px;top:50%;width:12px;height:1.5px;background:var(--line);z-index:1}

/* --- Sonderfälle --------------------------------------------------------- */
.cases{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.case{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px}
.case .q{font-family:var(--font-d);font-size:16px;font-weight:600;margin-bottom:6px;display:flex;gap:9px;align-items:flex-start}
.case .q .qm{color:var(--green-ink);flex-shrink:0}
.case p{font-size:13.5px;color:var(--muted);line-height:1.6}

/* --- Vertrauen ----------------------------------------------------------- */
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.tc{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:18px}
.tc .ti{width:24px;height:24px;border-radius:7px;background:var(--forest);color:var(--lime);display:flex;align-items:center;justify-content:center;margin-bottom:11px}
.tc .ti svg{width:13px;height:13px}
.tc h4{font-size:14.5px;margin-bottom:4px}
.tc p{font-size:12.5px;color:var(--muted);line-height:1.5}

/* --- FAQ ----------------------------------------------------------------- */
.faq{max-width:800px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{display:flex;align-items:center;justify-content:space-between;gap:18px;cursor:pointer;padding:18px 0;font-family:var(--font-d);font-size:17px;font-weight:600;letter-spacing:-.02em;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:10px;height:10px;flex-shrink:0;border-right:2.2px solid var(--muted);border-bottom:2.2px solid var(--muted);transform:rotate(45deg) translateY(-3px);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(225deg) translateY(-3px)}
.faq details[open] summary{color:var(--green-ink)}
.faq p{font-size:14.5px;color:var(--muted);line-height:1.65;padding:0 0 20px;max-width:70ch}

/* --- Weiter im Produkt --------------------------------------------------- */
.nextnav{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.nextnav a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;display:flex;flex-direction:column;gap:10px;transition:border-color .16s,transform .16s}
.nextnav a:hover{border-color:var(--ink);transform:translateY(-2px)}
.nextnav .ni{width:28px;height:28px;border-radius:8px;background:var(--tint);color:var(--green-ink);display:flex;align-items:center;justify-content:center}
.nextnav .ni svg{width:14px;height:14px}
.nextnav .nt{font-family:var(--font-d);font-size:15.5px;font-weight:600;letter-spacing:-.02em}
.nextnav .nd{font-size:12.5px;color:var(--muted);line-height:1.45}

/* --- Zitat --------------------------------------------------------------- */
.quote{background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:32px 34px}
.quote .qt{font-family:var(--font-d);font-size:clamp(19px,2.2vw,26px);font-weight:600;line-height:1.34;letter-spacing:-.02em;max-width:40ch}
.quote .qb{display:flex;align-items:center;gap:12px;margin-top:20px}
.quote .qa{width:40px;height:40px;border-radius:50%;background:var(--forest);color:var(--lime);display:flex;align-items:center;justify-content:center;font-family:var(--font-d);font-weight:700;font-size:14px}
.quote .qn{font-size:14px;font-weight:650}
.quote .qr{font-size:12.5px;color:var(--muted)}

/* --- CTA ----------------------------------------------------------------- */
.cta{padding:20px 0 64px}
.cta-card{background:var(--forest);border-radius:var(--r);padding:52px 44px;text-align:center;position:relative;overflow:hidden}
.cta-card::after{content:"";position:absolute;top:-140px;left:50%;transform:translateX(-50%);width:500px;height:400px;background:radial-gradient(circle,rgba(196,240,74,.12),transparent 66%)}
.cta-in{position:relative;z-index:1}
.cta-in .rate{font-size:13px;color:rgba(255,255,255,.7);margin-bottom:14px}
.cta-in .rate .s{color:var(--lime)}
.cta-card h2{font-size:clamp(26px,3vw,40px);color:#fff;margin-bottom:12px}
.cta-card p{color:rgba(255,255,255,.6);font-size:16px;max-width:44ch;margin:0 auto 26px}
.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* --- Footer -------------------------------------------------------------- */
.foot{background:var(--forest-2);color:#fff;padding:56px 0 30px;border-radius:var(--r) var(--r) 0 0}
.foot-top{display:grid;grid-template-columns:1.4fr 2.6fr;gap:40px;padding-bottom:38px}
.foot-word{font-family:var(--font-d);font-weight:700;font-size:52px;letter-spacing:-.05em;line-height:.9;margin-bottom:14px}
.foot-tag{font-size:14px;color:rgba(255,255,255,.55);max-width:28ch}
.foot-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.foot-col h5{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--lime);margin-bottom:14px}
.foot-col a{display:block;font-size:14px;color:rgba(255,255,255,.82);padding:5px 0}
.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14);padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:13px;color:rgba(255,255,255,.55)}
.foot-bottom .fl{display:flex;gap:18px;flex-wrap:wrap}

/* --- Responsive ---------------------------------------------------------- */
@media(max-width:900px){
  .nav-links,.nlogin,.nav-right .btn{display:none}
  .burger{display:block}
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .phone-wrap{order:-1}
  .flow{grid-template-columns:1fr;gap:20px}
  .checks,.prob,.cases,.trust,.nextnav{grid-template-columns:1fr}
  .kirow,.kirow.flip{grid-template-columns:1fr;gap:24px}
  .kirow.flip .erk{order:1}
  .chain{grid-template-columns:1fr}
  .clink:not(:last-child)::after{display:none}
  .cta-card{padding:38px 24px}
  .foot-top{grid-template-columns:1fr;gap:26px}
  .foot-cols{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .trust,.nextnav{grid-template-columns:1fr 1fr}
  .foot-cols{grid-template-columns:1fr}
  .hero-btns .btn{width:100%}
  .quote{padding:24px 20px}
}