/* --- Design System & CSS Variables --- */
:root {
    /* Color Palette */
    --slate-50: #f8fafc;
    --slate-100: #f1f5f9;
    --slate-200: #e2e8f0;
    --slate-300: #cbd5e1;
    --slate-400: #94a3b8;
    --slate-500: #64748b;
    --slate-600: #475569;
    --slate-700: #334155;
    --slate-800: #1e293b;
    --slate-900: #0f172a;
    
    --emerald-50: #ecfdf5;
    --emerald-100: #d1fae5;
    --emerald-500: #10b981;
    --emerald-600: #059669;
    --emerald-700: #047857;
    
    --error-red: #ef4444;
    --error-red-bg: #fef2f2;
    --white: #ffffff;
    
    /* Typography - DSGVO-friendly System Fonts */
    --font-heading: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    --font-body: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    
    /* Transitions */
    --transition-fast: all 0.15s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-normal: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
    
    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
    --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.05), 0 2px 4px -1px rgba(15, 23, 42, 0.03);
    --shadow-lg: 0 10px 25px -5px rgba(15, 23, 42, 0.08), 0 8px 10px -6px rgba(15, 23, 42, 0.05);
    --shadow-xl: 0 20px 40px -10px rgba(15, 23, 42, 0.12);
    --shadow-emerald: 0 10px 20px -5px rgba(16, 185, 129, 0.2);
    --shadow-premium: 0 30px 60px -15px rgba(15, 23, 42, 0.15);
    
    /* Borders */
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 30px;
    --radius-full: 9999px;
}

/* --- Base & Reset --- */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    background-color: var(--white);
    color: var(--slate-800);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
}

/* --- Layout Utilities --- */
.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

.section {
    padding: 100px 0;
}

.text-center {
    text-align: center;
}

.hidden {
    display: none !important;
}

/* --- Typography Styles --- */
h1, h2, h3, h4 {
    font-family: var(--font-heading);
    color: var(--slate-900);
    font-weight: 700;
    line-height: 1.25;
}

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    transition: var(--transition-normal);
    cursor: pointer;
    border: none;
    gap: 8px;
    white-space: nowrap;
}

.btn-large {
    padding: 16px 36px;
    font-size: 1.05rem;
}

.btn-full {
    width: 100%;
}

.btn-primary {
    background-color: var(--emerald-500);
    color: var(--white);
    box-shadow: var(--shadow-emerald);
}

.btn-primary:hover {
    background-color: var(--emerald-600);
    transform: translateY(-2px);
    box-shadow: 0 12px 24px -4px rgba(16, 185, 129, 0.3);
}

.btn-primary:active {
    transform: translateY(0);
}

.btn-secondary {
    background-color: var(--slate-800);
    color: var(--white);
}

.btn-secondary:hover {
    background-color: var(--slate-900);
    transform: translateY(-2px);
}

.btn-outline {
    background-color: transparent;
    color: var(--slate-800);
    border: 2px solid var(--slate-200);
}

.btn-outline:hover {
    border-color: var(--emerald-500);
    color: var(--emerald-600);
    background-color: var(--emerald-50);
}

.btn-text {
    background: transparent;
    color: var(--slate-800);
    padding: 12px 16px;
}

.btn-text svg {
    transition: var(--transition-normal);
}

.btn-text:hover {
    color: var(--emerald-600);
}

.btn-text:hover svg {
    transform: translateX(4px);
}

/* --- Sticky Navbar --- */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    background-color: rgba(255, 255, 255, 0.8);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid rgba(241, 245, 249, 0.8);
    transition: var(--transition-normal);
}

.navbar.scrolled {
    background-color: rgba(255, 255, 255, 0.95);
    box-shadow: var(--shadow-md);
    padding: 12px 0;
}

.navbar-container {
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: var(--transition-normal);
}

.navbar.scrolled .navbar-container {
    height: 64px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--slate-900);
}

.logo svg {
    transition: var(--transition-normal);
}

.logo:hover svg {
    transform: scale(1.05);
}

.logo-text {
    font-family: var(--font-heading);
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: -0.5px;
}

.logo-text span {
    color: var(--emerald-500);
    font-weight: 500;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--slate-600);
    transition: var(--transition-fast);
    position: relative;
    padding: 8px 0;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--emerald-500);
    transition: var(--transition-fast);
}

.nav-link:hover {
    color: var(--slate-900);
}

.nav-link:hover::after {
    width: 100%;
}

.nav-btn-mobile {
    display: none;
}

.menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 24px;
    height: 18px;
    background: transparent;
    border: none;
    cursor: pointer;
    z-index: 1100;
}

.menu-toggle span {
    display: block;
    width: 100%;
    height: 2px;
    background-color: var(--slate-800);
    border-radius: var(--radius-full);
    transition: var(--transition-normal);
}

/* --- Hero Section --- */
.hero-section {
    padding-top: 180px;
    padding-bottom: 120px;
    background: radial-gradient(circle at 80% 20%, rgba(240, 253, 244, 0.6) 0%, rgba(255, 255, 255, 0) 60%),
                radial-gradient(circle at 10% 80%, rgba(241, 245, 249, 0.4) 0%, rgba(255, 255, 255, 0) 50%);
}

.hero-container {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 64px;
    align-items: center;
}

.badge {
    display: inline-flex;
    align-items: center;
    padding: 6px 14px;
    background-color: var(--emerald-50);
    color: var(--emerald-700);
    font-size: 0.85rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    margin-bottom: 24px;
    border: 1px solid var(--emerald-100);
}

.hero-title {
    font-size: 3.5rem;
    line-height: 1.15;
    letter-spacing: -1.5px;
    margin-bottom: 24px;
}

.hero-subtitle {
    font-size: 1.125rem;
    color: var(--slate-600);
    margin-bottom: 40px;
    max-width: 580px;
}

.hero-actions {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 48px;
}

.hero-trust-elements {
    display: flex;
    gap: 24px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--slate-600);
}

.trust-icon {
    width: 18px;
    height: 18px;
    color: var(--emerald-500);
}

/* Floating Animation & Visual Styling */
.hero-visual {
    position: relative;
}

.image-wrapper {
    position: relative;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-premium);
    overflow: visible;
}

.hero-image {
    width: 100%;
    border-radius: var(--radius-lg);
    object-fit: cover;
    aspect-ratio: 1 / 1;
}

.image-overlay-card {
    position: absolute;
    bottom: 30px;
    left: -30px;
    background-color: var(--white);
    padding: 20px 24px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-xl);
    display: flex;
    align-items: center;
    gap: 16px;
    border: 1px solid var(--slate-100);
    animation: bounce 4s infinite ease-in-out;
}

.overlay-card-icon {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-full);
    background-color: var(--emerald-50);
    color: var(--emerald-600);
    display: flex;
    align-items: center;
    justify-content: center;
}

.overlay-card-title {
    font-size: 0.8rem;
    color: var(--slate-500);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.overlay-card-value {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--slate-900);
}

.animate-float {
    animation: float 6s infinite ease-in-out;
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

@keyframes bounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-6px); }
}

/* --- Section Headers --- */
.section-header {
    max-width: 650px;
    margin: 0 auto 60px;
}

.section-tagline {
    display: inline-block;
    font-family: var(--font-heading);
    color: var(--emerald-500);
    font-size: 0.9rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-bottom: 12px;
}

.section-title {
    font-size: 2.25rem;
    letter-spacing: -0.5px;
    margin-bottom: 16px;
}

.section-description {
    color: var(--slate-600);
    font-size: 1.05rem;
}

/* --- Loan Category Selector --- */
.categories-section {
    background-color: var(--slate-50);
}

.categories-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.category-card {
    background-color: var(--white);
    border: 1px solid var(--slate-100);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    transition: var(--transition-normal);
    display: flex;
    flex-direction: column;
    height: 100%;
}

.category-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl), var(--shadow-emerald);
    border-color: rgba(16, 185, 129, 0.2);
}

.card-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-md);
    background-color: var(--slate-50);
    color: var(--slate-700);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    transition: var(--transition-normal);
}

.category-card:hover .card-icon {
    background-color: var(--emerald-500);
    color: var(--white);
    transform: scale(1.05);
}

.card-title {
    font-size: 1.4rem;
    margin-bottom: 12px;
}

.card-subtitle {
    color: var(--slate-500);
    font-size: 0.95rem;
    margin-bottom: 28px;
    min-height: 48px;
}

.card-features {
    list-style: none;
    margin-bottom: 40px;
    flex-grow: 1;
}

.card-features li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 0.95rem;
    color: var(--slate-700);
}

.feature-check {
    width: 16px;
    height: 16px;
    color: var(--emerald-500);
    margin-top: 4px;
    flex-shrink: 0;
}

.card-btn {
    margin-top: auto;
}

/* --- Why Us Section --- */
.why-us-section {
    background-color: var(--white);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.benefit-card {
    text-align: left;
    padding: 16px 8px;
}

.benefit-icon-wrapper {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    background-color: var(--slate-50);
    color: var(--emerald-600);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    border: 1px solid var(--slate-100);
    transition: var(--transition-normal);
}

.benefit-card:hover .benefit-icon-wrapper {
    background-color: var(--emerald-50);
    transform: scale(1.05);
}

.benefit-icon {
    width: 28px;
    height: 28px;
}

.benefit-title {
    font-size: 1.3rem;
    margin-bottom: 12px;
}

.benefit-text {
    color: var(--slate-600);
    font-size: 0.95rem;
    line-height: 1.6;
}

/* --- Process Section --- */
.process-section {
    background-color: var(--slate-900);
    color: var(--white);
}

.process-section .section-title {
    color: var(--white);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    position: relative;
    margin-top: 80px;
}

.process-steps::after {
    content: '';
    position: absolute;
    top: 36px;
    left: 15%;
    right: 15%;
    height: 2px;
    background: linear-gradient(90deg, var(--emerald-500) 0%, rgba(255,255,255,0.1) 100%);
    z-index: 1;
}

.process-step {
    text-align: center;
    position: relative;
    z-index: 2;
}

.step-number {
    width: 72px;
    height: 72px;
    border-radius: var(--radius-full);
    background-color: var(--slate-800);
    color: var(--emerald-500);
    font-family: var(--font-heading);
    font-size: 1.75rem;
    font-weight: 800;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    border: 2px solid var(--emerald-500);
    box-shadow: 0 0 20px rgba(16, 185, 129, 0.2);
    transition: var(--transition-normal);
}

.process-step:hover .step-number {
    background-color: var(--emerald-500);
    color: var(--white);
    transform: scale(1.05);
}

.step-title {
    color: var(--white);
    font-size: 1.25rem;
    margin-bottom: 12px;
}

.step-desc {
    color: var(--slate-400);
    font-size: 0.95rem;
    max-width: 280px;
    margin: 0 auto;
}

/* --- Lead Form Section --- */
.form-section {
    background-color: var(--slate-50);
}

.form-container-box {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--slate-100);
    overflow: hidden;
    padding: 0;
}

.form-grid {
    display: grid;
    grid-template-columns: 0.95fr 1.05fr;
}

.form-info-side {
    background-color: var(--slate-900);
    color: var(--white);
    padding: 60px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.form-info-side .form-section-title {
    color: var(--white);
    font-size: 2.25rem;
    margin-bottom: 20px;
}

.form-section-subtitle {
    color: var(--slate-400);
    font-size: 1.05rem;
    margin-bottom: 48px;
}

.form-trust-points {
    display: flex;
    flex-direction: column;
    gap: 32px;
}

.form-trust-point {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.point-icon {
    width: 28px;
    height: 28px;
    border-radius: var(--radius-full);
    background-color: rgba(16, 185, 129, 0.15);
    color: var(--emerald-500);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}

.form-trust-point strong {
    display: block;
    font-size: 1rem;
    margin-bottom: 4px;
}

.form-trust-point p {
    color: var(--slate-400);
    font-size: 0.9rem;
}

.form-card {
    padding: 60px;
    background-color: var(--white);
    position: relative;
}

/* --- Form Fields & Elements --- */
.form-group {
    margin-bottom: 28px;
}

.form-label {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--slate-700);
    margin-bottom: 8px;
}

.label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 8px;
}

.amount-display {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--emerald-600);
}

/* Interactive Category Pills */
.category-pills {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
}

.pill-btn {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 16px;
    border: 1px solid var(--slate-200);
    border-radius: var(--radius-md);
    background-color: var(--white);
    color: var(--slate-600);
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-normal);
    gap: 8px;
}

.pill-btn svg {
    color: var(--slate-400);
    transition: var(--transition-normal);
}

.pill-btn:hover {
    border-color: var(--slate-400);
    color: var(--slate-800);
}

.pill-btn.active {
    border-color: var(--emerald-500);
    background-color: var(--emerald-50);
    color: var(--emerald-700);
}

.pill-btn.active svg {
    color: var(--emerald-600);
}

/* Input Fields */
.form-control {
    width: 100%;
    padding: 14px 18px;
    border: 1px solid var(--slate-200);
    border-radius: var(--radius-md);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--slate-900);
    background-color: var(--white);
    transition: var(--transition-fast);
}

.form-control::placeholder {
    color: var(--slate-400);
}

.form-control:focus {
    outline: none;
    border-color: var(--emerald-500);
    box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15);
}

/* Amount field styling */
.amount-input-wrapper {
    position: relative;
}

.amount-text-input {
    padding-left: 36px;
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--slate-900);
}

.currency-symbol {
    position: absolute;
    left: 18px;
    top: 50%;
    transform: translateY(-50%);
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--slate-400);
    pointer-events: none;
}

/* Slider styling */
.form-range {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: var(--radius-full);
    background: var(--slate-100);
    outline: none;
    margin-top: 16px;
}

.form-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--emerald-500);
    cursor: pointer;
    border: 2px solid var(--white);
    box-shadow: var(--shadow-sm);
    transition: var(--transition-fast);
}

.form-range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    background: var(--emerald-600);
}

.slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.8rem;
    color: var(--slate-400);
    margin-top: 8px;
}

/* Form Validation Alert Styles */
.form-control.invalid {
    border-color: var(--error-red);
    background-color: var(--error-red-bg);
}

.form-control.invalid:focus {
    box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.15);
}

.error-msg {
    display: none;
    font-size: 0.8rem;
    color: var(--error-red);
    margin-top: 6px;
}

/* Custom DSGVO Checkbox */
.checkbox-group {
    margin-bottom: 24px;
}

.checkbox-container {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.825rem;
    color: var(--slate-600);
    cursor: pointer;
    line-height: 1.4;
    user-select: none;
}

.checkbox-container input[type="checkbox"] {
    margin-top: 3px;
    width: 16px;
    height: 16px;
    accent-color: var(--emerald-500);
    cursor: pointer;
    flex-shrink: 0;
}

.checkbox-container input[type="checkbox"].invalid {
    outline: 2px solid var(--error-red);
    outline-offset: 2px;
}

.checkbox-text a {
    color: var(--emerald-600);
    text-decoration: underline;
    font-weight: 500;
}

.checkbox-text a:hover {
    color: var(--emerald-700);
}

/* If checkbox is invalid, show its error message */
.checkbox-group:has(#dsgvoConsent.invalid) .error-msg {
    display: block;
}

.privacy-note {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    margin-top: 16px;
    font-size: 0.75rem;
    color: var(--slate-400);
    line-height: 1.4;
}

.privacy-note svg {
    margin-top: 1px;
    flex-shrink: 0;
}

/* Loader Spinner */
.submit-btn {
    position: relative;
    height: 52px;
}

.spinner {
    animation: rotate 2s linear infinite;
    width: 24px;
    height: 24px;
}

.spinner .path {
    stroke: var(--white);
    stroke-linecap: round;
    animation: dash 1.5s ease-in-out infinite;
}

@keyframes rotate {
    100% { transform: rotate(360deg); }
}

@keyframes dash {
    0% { stroke-dasharray: 1, 150; stroke-dashoffset: 0; }
    50% { stroke-dasharray: 90, 150; stroke-dashoffset: -35; }
    100% { stroke-dasharray: 90, 150; stroke-dashoffset: -124; }
}

/* --- Form Success Card --- */
.success-card {
    text-align: center;
    padding: 20px 0;
    animation: fadeIn 0.4s ease-out forwards;
}

.success-icon-wrapper {
    width: 72px;
    height: 72px;
    border-radius: var(--radius-full);
    background-color: var(--emerald-50);
    color: var(--emerald-500);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
}

.success-icon {
    width: 36px;
    height: 36px;
}

.success-title {
    font-size: 1.75rem;
    margin-bottom: 12px;
}

.success-subtitle {
    color: var(--slate-600);
    font-size: 0.95rem;
    margin-bottom: 40px;
}

.success-steps {
    text-align: left;
    background-color: var(--slate-50);
    border-radius: var(--radius-md);
    padding: 28px;
    margin-bottom: 32px;
    border: 1px solid var(--slate-100);
}

.success-steps h4 {
    font-size: 1rem;
    margin-bottom: 20px;
    color: var(--slate-900);
}

.success-steps ul {
    list-style: none;
}

.success-steps li {
    display: flex;
    gap: 16px;
    margin-bottom: 20px;
}

.success-steps li:last-child {
    margin-bottom: 0;
}

.success-steps .num {
    width: 24px;
    height: 24px;
    border-radius: var(--radius-full);
    background-color: var(--emerald-500);
    color: var(--white);
    font-size: 0.8rem;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}

.success-steps li strong {
    display: block;
    font-size: 0.95rem;
    margin-bottom: 4px;
    color: var(--slate-800);
}

.success-steps li p {
    font-size: 0.85rem;
    color: var(--slate-500);
}

@keyframes fadeIn {
    from { opacity: 0; transform: scale(0.95); }
    to { opacity: 1; transform: scale(1); }
}

/* --- Footer --- */
.footer {
    background-color: var(--slate-900);
    color: var(--slate-400);
    padding: 80px 0 32px;
    border-top: 1px solid var(--slate-800);
}

.footer-container {
    display: grid;
    grid-template-columns: 1.25fr 0.75fr;
    gap: 64px;
    margin-bottom: 60px;
}

.footer-info .logo {
    color: var(--white);
    margin-bottom: 20px;
}

.footer-tagline {
    font-size: 1rem;
    color: var(--white);
    font-weight: 500;
    margin-bottom: 16px;
}

.footer-disclaimer {
    font-size: 0.8rem;
    line-height: 1.6;
    max-width: 500px;
}

.footer-links {
    display: flex;
    gap: 60px;
}

.footer-links-group {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.footer-links-group h4 {
    color: var(--white);
    font-size: 0.9rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.footer-links-group a {
    font-size: 0.9rem;
    transition: var(--transition-fast);
}

.footer-links-group a:hover {
    color: var(--white);
}

.footer-bottom {
    border-top: 1px solid var(--slate-800);
    padding-top: 32px;
    font-size: 0.8rem;
}

/* --- Modals for Legal Notice (Impressum/Datenschutz) --- */
.modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 2000;
    background-color: rgba(15, 23, 42, 0.6);
    backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.modal.active {
    opacity: 1;
    pointer-events: auto;
}

.modal-content {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    max-width: 650px;
    width: 90%;
    max-height: 80vh;
    overflow-y: auto;
    position: relative;
    padding: 40px;
    box-shadow: var(--shadow-premium);
    transform: scale(0.9);
    transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.modal.active .modal-content {
    transform: scale(1);
}

.modal-close {
    position: absolute;
    top: 24px;
    right: 24px;
    background: transparent;
    border: none;
    font-size: 2rem;
    line-height: 1;
    color: var(--slate-400);
    cursor: pointer;
    transition: var(--transition-fast);
}

.modal-close:hover {
    color: var(--slate-900);
}

.modal h2 {
    font-size: 2rem;
    margin-bottom: 24px;
    border-bottom: 1px solid var(--slate-100);
    padding-bottom: 16px;
}

.modal-body h3 {
    font-size: 1.15rem;
    margin: 20px 0 10px;
}

.modal-body p {
    font-size: 0.95rem;
    color: var(--slate-600);
    margin-bottom: 16px;
}

/* --- Mobile Responsiveness --- */
@media (max-width: 1024px) {
    .hero-container {
        grid-template-columns: 1fr;
        gap: 48px;
        text-align: center;
    }
    
    .hero-content {
        display: flex;
        flex-direction: column;
        align-items: center;
    }
    
    .hero-title {
        font-size: 3rem;
    }
    
    .hero-actions {
        justify-content: center;
    }
    
    .hero-visual {
        max-width: 500px;
        margin: 0 auto;
    }
    
    .categories-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .form-grid {
        grid-template-columns: 1fr;
    }
    
    .form-info-side {
        padding: 48px;
    }
    
    .form-card {
        padding: 48px;
    }
    
    .footer-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .footer-links {
        justify-content: space-between;
    }
}

@media (max-width: 768px) {
    .section {
        padding: 60px 0;
    }
    
    .hero-section {
        padding-top: 140px;
        padding-bottom: 60px;
    }
    
    .hero-title {
        font-size: 2.25rem;
        letter-spacing: -0.75px;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .hero-actions {
        flex-direction: column;
        width: 100%;
    }
    
    .hero-actions .btn {
        width: 100%;
    }
    
    .categories-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .process-steps {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    
    .process-steps::after {
        display: none;
    }
    
    /* Responsive Navigation Menu */
    .menu-toggle {
        display: flex;
    }
    
    .nav-menu {
        position: fixed;
        top: 80px;
        left: 0;
        width: 100%;
        height: calc(100vh - 80px);
        background-color: var(--white);
        flex-direction: column;
        padding: 40px 24px;
        gap: 24px;
        transform: translateY(-100%);
        opacity: 0;
        pointer-events: none;
        transition: var(--transition-normal);
        z-index: 999;
        box-shadow: var(--shadow-lg);
    }
    
    .navbar.scrolled .nav-menu {
        top: 64px;
        height: calc(100vh - 64px);
    }
    
    .nav-menu.active {
        transform: translateY(0);
        opacity: 1;
        pointer-events: auto;
    }
    
    .nav-link {
        font-size: 1.25rem;
        width: 100%;
        text-align: center;
    }
    
    .nav-btn-mobile {
        display: flex;
        width: 100%;
        margin-top: 20px;
    }
    
    .nav-btn {
        display: none;
    }
    
    /* Menu active states for toggle button */
    .menu-toggle.active span:nth-child(1) {
        transform: translateY(8px) rotate(45deg);
    }
    
    .menu-toggle.active span:nth-child(2) {
        opacity: 0;
    }
    
    .menu-toggle.active span:nth-child(3) {
        transform: translateY(-8px) rotate(-45deg);
    }
    
    /* Form modifications */
    .category-pills {
        grid-template-columns: 1fr;
    }
    
    .form-info-side {
        padding: 32px 24px;
    }
    
    .form-info-side .form-section-title {
        font-size: 1.75rem;
    }
    
    .form-card {
        padding: 32px 24px;
    }
    
    .footer-links {
        flex-direction: column;
        gap: 32px;
    }
}

/* ==========================================
   7. Card Image Panel & Layout Overrides
   ========================================== */
.card-image-panel {
    width: 100%;
    height: 220px;
    overflow: hidden;
    position: relative;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.card-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition-slow);
}

.category-card:hover .card-img {
    transform: scale(1.06);
}

.category-card {
    padding: 0 !important; /* Remove card padding for edge-to-edge image layout */
    overflow: hidden;
}

.card-details {
    padding: 32px;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.card-title-row {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 16px;
}

.card-title-row .card-icon {
    margin-bottom: 0 !important;
    width: 44px !important;
    height: 44px !important;
    border-radius: var(--radius-md);
    flex-shrink: 0;
}

.card-title-row .card-title {
    font-size: 1.25rem;
    margin-bottom: 0;
}

/* ==========================================
   8. Dynamic Form Fields & Form Rows
   ========================================== */
.dynamic-fields-wrapper {
    position: relative;
    margin-bottom: 0px;
}

.dynamic-field-section {
    display: none;
    opacity: 0;
    transform: translateY(15px);
    transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1), transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.dynamic-field-section.active {
    display: block;
    opacity: 1;
    transform: translateY(0);
}

.form-row {
    display: flex;
    gap: 16px;
    margin-bottom: 0;
}

.form-row .form-group.half {
    width: 50%;
}

.amount-input-wrapper.small .amount-text-input {
    font-size: 1rem;
    font-weight: 600;
    padding-left: 28px;
    padding-top: 10px;
    padding-bottom: 10px;
}

.amount-input-wrapper.small .currency-symbol.small {
    font-size: 1rem;
    left: 14px;
}

@media (max-width: 580px) {
    .form-row {
        flex-direction: column;
        gap: 0;
    }
    .form-row .form-group.half {
        width: 100%;
    }
}

/* ==========================================
   9. FAQ / Q&A Accordion Section
   ========================================== */
.faq-section {
    background-color: var(--white);
    border-top: 1px solid var(--slate-100);
}

.faq-accordion {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.faq-item {
    border: 1px solid var(--slate-200);
    border-radius: var(--radius-md);
    overflow: hidden;
    background-color: var(--white);
    transition: var(--transition-normal);
}

.faq-item:hover {
    border-color: var(--emerald-500);
    box-shadow: var(--shadow-sm);
}

.faq-trigger {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px;
    background: transparent;
    border: none;
    text-align: left;
    font-family: var(--font-heading);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--slate-900);
    cursor: pointer;
    gap: 20px;
    outline: none;
}

.faq-chevron {
    width: 20px;
    height: 20px;
    color: var(--slate-400);
    transition: var(--transition-normal);
    flex-shrink: 0;
}

.faq-item.active {
    border-color: var(--emerald-500);
    box-shadow: var(--shadow-md);
}

.faq-item.active .faq-chevron {
    transform: rotate(180deg);
    color: var(--emerald-500);
}

.faq-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-answer {
    padding: 0 24px 24px;
    font-size: 0.925rem;
    color: var(--slate-600);
    line-height: 1.6;
}