/* ============================================================================
   CODE FINANCE, Bausteine der Unterseiten
   Gilt fuer pkv-oder-gkv.html und servicepakete.html. Enthaelt Hero, Goldband,
   Kurzantwort, Vergleichstabelle, Karten, FAQ, Kontaktformular und die
   Sonderbausteine beider Seiten. Ergaenzt stil.css, ersetzt es nicht.

   Frueher hiess diese Datei pkv-oder-gkv.css. Umbenannt am 16.09.2026, als die
   zweite Unterseite dazukam und dieselben Bausteine brauchte.
   ============================================================================ */
/* ==== CODE FINANCE CI (aus codefinance.de ausgelesen) ====
   Font: Montserrat | Headings: #27252A, weight 600 | Body: #000, 18px/1.8
   Gold: #BF9B30 | Ivory: #F7F3EA | Blau-Ton: #EEF1F6 | Buttons: 5px Radius, weight 800 */
:root{
  --gold:#BF9B30;
  --gold-dark:#A8871F;
  --gold-tint:#F7F1DF;
  --ink:#27252A;
  --body:#000000;
  --muted:#4F4C55;
  --ivory:#F7F3EA;
  --bluetint:#EEF1F6;
  --line:#E8E4DA;
  --white:#FFFFFF;
  --ok:#2E7D52;
  --no:#B3452F;
  --shadow:0 2px 24px rgba(39,37,42,.09);
  --font:"Montserrat",Helvetica,Arial,Lucida,sans-serif;
}
body{font-family:var(--font);color:var(--body);background:var(--white);font-size:1.0625rem;line-height:1.75;font-weight:400;-webkit-font-smoothing:antialiased}
.container{width:90%;max-width:1400px;margin:0 auto}
.narrow{max-width:860px}

h1,h2,h3{color:var(--ink);font-weight:600;line-height:1.22}
h1{font-size:clamp(1.9rem,4.2vw,3.1rem)}
h2{font-size:clamp(1.5rem,3vw,2.5rem);margin-bottom:.55em}
h3{font-size:1.15rem;margin-bottom:.4em}
p{margin-bottom:1em}
section{padding:84px 0}
.kicker{display:block;color:var(--gold);font-weight:600;font-size:1rem;margin-bottom:10px}
.lead{color:var(--muted);max-width:46em}
.direct-answer{background:var(--gold-tint);border-left:4px solid var(--gold);padding:18px 22px;margin:0 0 1.8em;font-size:1rem;border-radius:0 6px 6px 0}
.direct-answer strong{color:var(--ink)}
.src{font-size:.83rem;color:var(--muted)}



/* Buttons exakt wie Hauptseite: 5px Radius, weight 800, Gold */
.btn{display:inline-block;background:var(--gold);color:#fff;text-decoration:none;font-weight:800;font-size:1rem;padding:12px 26px;min-height:44px;border-radius:5px;border:2px solid var(--gold);cursor:pointer;font-family:var(--font);transition:background .2s,color .2s}
.btn:hover{background:var(--gold-dark);border-color:var(--gold-dark)}
.btn.ghost{background:var(--white);color:var(--gold);border:2px solid var(--gold)}
.btn.ghost:hover{background:var(--gold);color:#fff}
.btn.small{padding:9px 18px;font-size:14px}

/* Gold-Band wie Hauptseite */
.goldband{background:var(--gold);color:#fff;padding:18px 0;text-align:center;font-weight:600;font-size:1rem}
.goldband .container{display:flex;flex-wrap:wrap;gap:8px 14px;justify-content:center;align-items:center}
.goldband a.btn{background:#fff;color:var(--gold);border-color:#fff;margin-left:10px}
.goldband a.btn:hover{background:var(--ivory)}

/* Hero wie Hauptseite: Text links, Foto rechts, weicher Verlauf */
.hero{background:linear-gradient(90deg,var(--white) 45%,var(--ivory) 100%);padding:76px 0}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero p.sub{font-size:1.08rem;color:var(--muted);max-width:36em;margin:20px 0 28px}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:14px}
.hero .imgwrap{position:relative}
.hero .imgwrap img{display:block;width:100%;aspect-ratio:16/9;object-fit:cover;box-shadow:var(--shadow)}
.hero .video-chip{position:absolute;left:18px;bottom:18px;background:rgba(255,255,255,.95);box-shadow:var(--shadow);padding:12px 16px;display:flex;gap:12px;align-items:center;font-size:.85rem;font-weight:600;color:var(--ink);max-width:85%;border:none;cursor:pointer;font-family:var(--font);text-align:left;transition:background .2s}
.hero .video-chip:hover{background:#fff}
.hero .video-chip:hover .play{background:var(--gold-dark)}
.hero .video-chip .play{flex:none;width:40px;height:40px;border-radius:50%;background:var(--gold);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.9rem;transition:background .2s}

/* Video-Lightbox */
.video-modal{position:fixed;inset:0;z-index:200;background:rgba(27,40,48,.9);display:none;align-items:center;justify-content:center;padding:24px}
.video-modal.open{display:flex}
.video-modal video{max-height:88vh;max-width:min(92vw,420px);width:100%;box-shadow:0 20px 60px rgba(0,0,0,.5);background:#000}
.video-modal .close{position:absolute;top:18px;right:22px;background:none;border:none;color:#fff;font-size:2.2rem;line-height:1;cursor:pointer;font-family:var(--font);padding:6px 12px}
.video-modal .close:hover{color:var(--gold)}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr}.hero .imgwrap img{aspect-ratio:16/9}}

/* Kurzantwort */
.quickbox{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--gold);box-shadow:var(--shadow);padding:38px 42px;margin-top:-46px;position:relative;z-index:5}
.quickbox h2{font-size:1.4rem}
.quickbox ul{list-style:none;margin-top:14px;display:grid;gap:13px}
.quickbox li{padding-left:32px;position:relative;font-size:.98rem}
.quickbox li::before{content:"✓";position:absolute;left:0;top:0;color:var(--gold);font-weight:800;font-size:1.05rem}

/* Irrtümer */
.myths{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:36px;align-items:start}
@media(max-width:760px){.myths{grid-template-columns:1fr}}
.myth{background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow)}
.myth>button{all:unset;display:flex;justify-content:space-between;align-items:center;gap:14px;width:100%;padding:22px 24px;cursor:pointer;font-weight:600;font-size:1rem;color:var(--ink);font-family:var(--font);box-sizing:border-box}
.myth>button .tag{font-size:.68rem;font-weight:800;letter-spacing:.08em;color:var(--no);border:1.5px solid currentColor;border-radius:4px;padding:3px 9px;white-space:nowrap;text-transform:uppercase}
.myth>button .chev{transition:transform .25s;color:var(--gold);font-size:.85rem}
.myth.open>button .chev{transform:rotate(180deg)}
.myth .body{max-height:0;overflow:hidden;transition:max-height .3s ease;padding:0 24px;color:var(--muted);font-size:.94rem}
.myth.open .body{padding-bottom:22px}

/* Tabelle */
.table-wrap{overflow-x:auto;border:1px solid var(--line);background:var(--white);box-shadow:var(--shadow)}
table.compare{width:100%;border-collapse:collapse;min-width:640px;font-size:.93rem}
table.compare caption{caption-side:bottom;padding:14px 16px;font-size:.8rem;color:var(--muted);text-align:left}
table.compare th,table.compare td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.compare thead th{background:var(--ink);color:#fff;font-size:.9rem}
table.compare thead th:last-child{background:var(--gold)}
table.compare tbody th{font-weight:600;color:var(--ink);width:26%}
table.compare tbody tr:nth-child(even){background:var(--ivory)}
td .yes{color:var(--ok);font-weight:800}
td .no{color:var(--no);font-weight:800}

/* Karten */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:38px}
@media(max-width:1000px){.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.cards{grid-template-columns:1fr}}
.card{background:var(--white);box-shadow:var(--shadow);padding:30px 26px;display:flex;flex-direction:column;gap:10px}
.card .icon{color:var(--gold);height:34px}
.card .icon svg{height:34px;width:34px}
.card p{font-size:.91rem;color:var(--muted);margin:0}
.card .verdict{margin-top:auto;font-size:.85rem;font-weight:600;color:var(--ink);border-top:1px dashed var(--line);padding-top:12px}

/* Foto-Hintergrund-Sektionen wie Hauptseite */
.photo-bg{background-image:linear-gradient(90deg,rgba(247,243,234,.96) 30%,rgba(247,243,234,.82) 100%),url("../img/codefinance-karlsruhe-buero-team-hintergrund.webp");background-size:cover;background-position:center right}
.photo-bg2{background-image:linear-gradient(90deg,rgba(247,243,234,.97) 35%,rgba(238,241,246,.85) 100%),url("../img/codefinance-karlsruhe-beratung-hintergrund.webp");background-size:cover;background-position:center right}

/* Kosten */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:36px 0 8px}
/* Vier Kacheln stehen als 2 mal 2 ruhiger als 3 plus 1 */
.stats.vier{grid-template-columns:repeat(2,1fr)}
@media(max-width:760px){.stats.vier{grid-template-columns:1fr}}
@media(max-width:820px){.stats{grid-template-columns:1fr}}
.stat{background:var(--white);box-shadow:var(--shadow);border-top:4px solid var(--gold);padding:28px}
.stat .num{font-size:2.3rem;font-weight:700;color:var(--gold);display:block;margin-bottom:8px;line-height:1.1}
.stat p{font-size:.92rem;margin:0;color:var(--ink)}
.stat small{color:var(--muted);display:block;font-size:.78rem;margin-top:10px}

/* Orientierungs-Check */
.checker{background:var(--white);box-shadow:var(--shadow);border:1px solid var(--line);padding:38px;margin-top:46px}
.checker h3{font-size:1.35rem}
.checker .fields{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:22px 0}
@media(max-width:800px){.checker .fields{grid-template-columns:1fr}}
.checker label{font-size:.82rem;font-weight:600;color:var(--ink);display:block;margin-bottom:6px}
.checker select,.checker input{width:100%;padding:12px 14px;border-radius:5px;border:1.5px solid var(--line);background:#fff;color:var(--ink);font-size:.95rem;font-family:var(--font)}
.checker select:focus,.checker input:focus{outline:2px solid var(--gold);outline-offset:1px}
.check-result{display:none;margin-top:24px;background:var(--gold-tint);padding:24px;border-left:4px solid var(--gold)}
.check-result.visible{display:block}
.check-result .row{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.93rem;flex-wrap:wrap}
.check-result .row strong{color:var(--ink);text-align:right}
.check-result .note{font-size:.78rem;color:var(--muted);margin-top:14px}

/* Alltag */
.daily{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px}
@media(max-width:900px){.daily{grid-template-columns:1fr}}
.daily .card h3{font-size:1.02rem}
.daily .vs{display:grid;gap:8px;font-size:.87rem;margin-top:6px}
.daily .vs div{padding:11px 13px}
.daily .vs .g{background:var(--bluetint)}
.daily .vs .p{background:var(--gold-tint)}
.daily .vs b{display:block;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}

/* Beispiele */
.cases{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:36px}
@media(max-width:800px){.cases{grid-template-columns:1fr}}
.case{background:var(--white);box-shadow:var(--shadow);padding:30px}
.case .who{display:flex;align-items:center;gap:14px;margin-bottom:12px}
.case .who .icon{flex:none;width:46px;height:46px;border-radius:50%;background:var(--gold);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.05rem}
.case .who h3{margin:0;font-size:1.02rem}
.case .who small{color:var(--muted);line-height:1.4;display:block}
.case ul{list-style:none;font-size:.9rem;color:var(--muted);display:grid;gap:7px;margin:10px 0 16px}
.case ul li{padding-left:20px;position:relative}
.case ul li::before{content:"•";position:absolute;left:0;color:var(--gold);font-weight:800}
.case .takeaway{font-size:.88rem;background:var(--gold-tint);padding:13px 15px;margin:0}

/* Risiken */
.risks{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:32px}
@media(max-width:760px){.risks{grid-template-columns:1fr}}
.risk{background:var(--white);box-shadow:var(--shadow);border-left:4px solid var(--gold);padding:24px 26px}
.risk h3{font-size:1rem;margin-bottom:6px}
.risk p{font-size:.91rem;color:var(--muted);margin:0}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px;counter-reset:step}
@media(max-width:800px){.steps{grid-template-columns:1fr}}
.step{background:var(--white);box-shadow:var(--shadow);padding:30px;position:relative}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);font-size:1.9rem;font-weight:800;color:var(--gold);display:block;margin-bottom:8px}
.step p{font-size:.91rem;color:var(--muted);margin:0}

/* Beratung Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr}}
.split img{display:block;width:100%;aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow)}
.advisor{display:flex;gap:18px;align-items:flex-start;background:var(--white);box-shadow:var(--shadow);border-left:4px solid var(--gold);padding:22px 24px;margin-top:26px}
.advisor img{width:76px;height:76px;border-radius:50%;object-fit:cover;object-position:top;flex:none;box-shadow:none;aspect-ratio:auto}
.advisor p{margin:0 0 6px;font-size:.92rem;color:var(--muted)}
.advisor p:last-child{margin-bottom:0}
.advisor strong{color:var(--ink);display:block;font-size:1.02rem}
.advisor .cred{font-size:.8rem}
.advisor .cred a{color:var(--gold-dark)}
/* FAQ */
.faq-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;align-items:start;margin-top:8px}
.faq-col{display:flex;flex-direction:column;gap:14px}
@media(max-width:820px){.faq-grid{grid-template-columns:1fr}}
.faq-item{background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow)}
.faq-item summary{list-style:none;cursor:pointer;padding:19px 22px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:14px;align-items:center;font-size:.98rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.4rem;color:var(--gold);transition:transform .2s;flex:none;font-weight:600}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .a{padding:0 22px 20px;color:var(--muted);font-size:.94rem}

/* Kontakt */
.contact{background:linear-gradient(90deg,var(--bluetint) 0%,var(--ivory) 100%)}
.contact .grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
@media(max-width:900px){.contact .grid{grid-template-columns:1fr}}
.contact ul.points{list-style:none;display:grid;gap:14px;margin-top:22px}
.contact ul.points li{padding-left:30px;position:relative;font-size:.96rem}
.contact ul.points li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
form.lead-form{background:var(--white);padding:38px;box-shadow:var(--shadow)}
form.lead-form h3{font-size:1.3rem}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.f-row{grid-template-columns:1fr}}
.f-group{margin-top:16px}
.f-group label{display:block;font-size:.84rem;font-weight:600;margin-bottom:6px;color:var(--ink)}
.f-group label .req{color:var(--no)}
.f-group input,.f-group select,.f-group textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:5px;font-size:.95rem;font-family:var(--font);background:#fff;color:var(--ink)}
.f-group input:focus,.f-group select:focus,.f-group textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.f-group .err{display:none;color:var(--no);font-size:.8rem;margin-top:5px}
.f-group.invalid .err{display:block}
.f-group.invalid input,.f-group.invalid select{border-color:var(--no)}
.consent{display:flex;gap:12px;align-items:flex-start;margin-top:18px;font-size:.8rem;color:var(--muted)}
.consent input{width:18px;height:18px;margin-top:2px;flex:none;accent-color:var(--gold)}
form.lead-form .btn{width:100%;margin-top:22px}
.form-success{display:none;text-align:center;padding:40px 10px}
.form-success .big{font-size:2.6rem;color:var(--gold)}
.form-success h3{margin:10px 0 6px}
.form-note{font-size:.78rem;color:var(--muted);margin-top:14px;text-align:center}

/* Sticky Mobile CTA */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:70;background:var(--gold);padding:10px 16px calc(10px + env(safe-area-inset-bottom));display:none;align-items:center;justify-content:space-between;gap:12px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-cta span{color:#fff;font-size:.78rem;line-height:1.35;font-weight:600}
.sticky-cta a.btn{background:#fff;color:var(--gold);border-color:#fff}
@media(max-width:760px){.sticky-cta{display:flex}body{padding-bottom:74px}.bf-knopf{bottom:84px!important}}


/* Diagramme */
.chart-card{background:var(--white);box-shadow:var(--shadow);border:1px solid var(--line);padding:30px;margin-top:30px}
.chart-card h3{font-size:1.05rem;margin-bottom:4px}
.chart-card svg{width:100%;height:auto;display:block;margin-top:10px}
.chart-card svg text{font-family:var(--font)}
.chart-note{font-size:.78rem;color:var(--muted);margin:12px 0 0}

/* Split mit Bild */
.split-sm{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;margin-top:44px}
@media(max-width:900px){.split-sm{grid-template-columns:1fr}}
.split-sm img{display:block;width:100%;aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow)}

/* Entscheidungsbaum */
.tree{margin-top:40px}
.tree .root{background:var(--ink);color:#fff;padding:15px 24px;text-align:center;font-weight:600;max-width:440px;margin:0 auto}
.tree .down{width:2px;height:26px;background:var(--gold);margin:0 auto}
.tree .branches{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:860px){.tree .branches{grid-template-columns:1fr}}
.tree .branch{background:var(--white);box-shadow:var(--shadow);border-top:4px solid var(--gold);padding:24px;text-align:center;display:flex;flex-direction:column;gap:12px}
.tree .branch h3{font-size:1rem;margin:0}
.tree .q{font-size:.85rem;color:var(--muted);margin:0}
.tree .res{font-weight:700;font-size:.85rem;padding:10px 12px;margin:0}
.tree .res.pkv{background:var(--gold-tint);color:var(--gold-dark)}
.tree .res.gkv{background:var(--bluetint);color:var(--ink)}
.tree .res small{display:block;font-weight:400;color:var(--muted)}

.center{text-align:center}
.mt{margin-top:36px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* FAQ-Fragen sind echte Ueberschriften. Optisch aendert sich nichts, aber
   Google und Screenreader sehen die Gliederung. */
.faq-item summary h3.faq-frage{font:inherit;color:inherit;letter-spacing:inherit;margin:0;display:inline;font-weight:600}

/* Kein waagerechtes Scrollen auf schmalen Bildschirmen.
   Raster-Elemente bekommen min-width:0, sonst wachsen sie auf die
   Mindestbreite ihres Inhalts und schieben die ganze Seite auf. */
.hero .grid > *,.contact .grid > *,.split > *,.split-sm > *,.checker .fields > *{min-width:0}
.checker select,.checker input,.f-group input,.f-group select,.f-group textarea{max-width:100%}
@media(max-width:620px){
  form.lead-form{padding:26px 20px}
  .checker{padding:24px 20px}
  .quickbox{padding:28px 22px}
  .myth > button{padding:18px 18px}
  .case,.step,.stat,.chart-card{padding:24px 20px}
}

/* ===== Beitragsentwicklung: Liniendiagramm ==============================
   Zwei Reihen, auf 100 im Basisjahr indexiert. Ein Wertebereich, keine zwei
   Achsen: nur so sind GKV und PKV ueberhaupt vergleichbar. Farben geprueft
   auf Farbfehlsichtigkeit und Kontrast. */
.verlauf{background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow);padding:32px 34px;margin-top:38px;position:relative}
.verlauf h3{font-size:1.2rem;margin-bottom:4px}
.verlauf .unterzeile{font-size:.9rem;color:var(--muted);margin:0 0 20px}
.verlauf .legende{display:flex;flex-wrap:wrap;gap:10px 26px;margin-bottom:14px}
.verlauf .legende span{display:inline-flex;align-items:center;gap:9px;font-size:.92rem;font-weight:600;color:var(--ink)}
.verlauf .legende i{width:22px;height:3px;border-radius:2px;display:block}
.verlauf figure{margin:0}
.verlauf svg{width:100%;height:auto;display:block;overflow:visible}
.verlauf svg text{font-family:var(--font);fill:var(--muted);font-size:13px}
.verlauf svg text.endwert{font-weight:700;font-size:14px}
.verlauf .raster{stroke:#EDEAE3;stroke-width:1}
.verlauf .achse{stroke:#D9D4C9;stroke-width:1}
.verlauf .linie{fill:none;stroke-width:2.5;stroke-linejoin:round;stroke-linecap:round}
.verlauf .punkt{stroke:var(--white);stroke-width:2}
.verlauf .fangstreifen{fill:transparent;cursor:crosshair}
.verlauf .fadenkreuz{stroke:var(--ink);stroke-width:1;stroke-dasharray:3 3;opacity:0;pointer-events:none}
.verlauf .tooltip{
  position:absolute;pointer-events:none;opacity:0;transition:opacity .12s ease;
  background:var(--ink);color:#fff;padding:10px 13px;font-size:.85rem;line-height:1.5;
  border-radius:4px;box-shadow:0 8px 24px rgba(39,37,42,.28);white-space:nowrap;z-index:6;
}
.verlauf .tooltip b{display:block;margin-bottom:4px;font-size:.9rem}
.verlauf .tooltip i{width:10px;height:3px;border-radius:2px;display:inline-block;margin-right:7px;vertical-align:middle}
.verlauf .quelle{font-size:.8rem;color:var(--muted);margin:16px 0 0}
.verlauf details{margin-top:16px}
.verlauf details summary{cursor:pointer;font-size:.88rem;font-weight:600;color:var(--gold-dark)}
.verlauf table{width:100%;border-collapse:collapse;margin-top:12px;font-size:.88rem}
.verlauf table th,.verlauf table td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right}
.verlauf table th:first-child,.verlauf table td:first-child{text-align:left}
.verlauf table thead th{color:var(--ink);font-weight:700}
/* Ohne diese Zeile gewinnt die Regel darunter gegen das hidden-Attribut,
   und das Band bliebe sichtbar, obwohl die Werte belegt sind. */
.verlauf .beispielband[hidden]{display:none}
.verlauf .beispielband{
  display:inline-block;background:#FFF3B0;color:#6B5200;font-weight:700;font-size:.8rem;
  padding:6px 12px;margin-bottom:14px;letter-spacing:.02em;
}
@media(max-width:620px){
  .verlauf{padding:24px 20px}
  .verlauf svg text{font-size:15px}
}

/* ============================================================================
   16 Servicepakete, nur auf servicepakete.html
   ============================================================================ */

/* Drei Preiskarten nebeneinander. Die mittlere ist hervorgehoben, weil sie
   fuer die meisten Haushalte die passende ist. */
.pakete{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px;align-items:start}
.paket{
  background:var(--white);box-shadow:var(--shadow);border-top:4px solid var(--line);
  padding:32px 28px;display:flex;flex-direction:column;gap:6px;position:relative;
}
.paket.hervor{border-top-color:var(--gold);box-shadow:0 10px 40px rgba(191,155,48,.22)}
.paket .stufe{font-size:1.45rem;font-weight:700;color:var(--ink);letter-spacing:-.01em}
.paket .einordnung{font-size:.88rem;color:var(--muted);margin-bottom:14px}
.paket .preis{font-size:2rem;font-weight:700;color:var(--gold-dark);line-height:1.1}
.paket .preis small{display:block;font-size:.82rem;font-weight:500;color:var(--muted);margin-top:6px;line-height:1.5}
.paket ul{display:grid;gap:9px;margin:20px 0 24px;font-size:.92rem}
.paket ul li{padding-left:26px;position:relative;line-height:1.55}
.paket ul li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
.paket ul li.aus{color:var(--muted)}
.paket ul li.aus::before{content:"–";color:var(--muted)}
.paket .btn{margin-top:auto;width:100%}
.paket .fahne{
  position:absolute;top:-13px;right:22px;background:var(--gold);color:#fff;
  font-size:.68rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;
  padding:5px 12px;border-radius:3px;
}
.paket .knappheit{font-size:.78rem;color:var(--muted);margin-top:12px;text-align:center}

/* Vier Spalten in der grossen Leistungstabelle */
table.compare.vier tbody th{width:20%}
table.compare.vier thead th:nth-child(2){background:var(--ink)}
table.compare.vier thead th:nth-child(3){background:#3A3740}
table.compare.vier thead th:last-child{background:var(--gold)}
table.compare .enthalten{color:var(--ok);font-weight:700}
table.compare .fehlt{color:var(--muted)}

/* Erklaerkasten zur Verguetung */
.geldfluss{
  background:var(--ivory);border-left:4px solid var(--gold);
  padding:28px 30px;margin-top:30px;display:grid;gap:16px;
}
.geldfluss h3{margin:0}
.geldfluss p{margin:0;font-size:.96rem}
.geldfluss .zwei{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.geldfluss .zwei > div{background:var(--white);padding:20px 22px;box-shadow:var(--shadow)}
.geldfluss .zwei h4{margin-bottom:6px;color:var(--gold-dark)}

@media (max-width:1024px){
  .pakete{grid-template-columns:1fr;max-width:560px;margin-left:auto;margin-right:auto}
  .geldfluss .zwei{grid-template-columns:1fr}
}

/* ---------------------------------------------------------------------------
   Alltagsszenen: was der Unterschied zwischen den Paketen praktisch bedeutet.
   Bild oben, darunter drei kurze Zeilen, eine je Stufe.
   --------------------------------------------------------------------------- */
.szenen{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:38px}
.szene{background:var(--white);box-shadow:var(--shadow);display:flex;flex-direction:column;overflow:hidden}
.szene img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.szene .text{padding:24px 26px 26px;display:flex;flex-direction:column;gap:14px;flex:1}
.szene h3{margin:0;font-size:1.06rem}
.szene .stufen{display:grid;gap:9px;margin-top:2px}
.szene .stufe-zeile{display:grid;grid-template-columns:74px 1fr;gap:12px;align-items:baseline;font-size:.9rem;line-height:1.5}
.szene .stufe-zeile b{
  font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;
  color:var(--muted);padding-top:2px;
}
.szene .stufe-zeile.premium b{color:var(--gold-dark)}
.szene .stufe-zeile.premium span{color:var(--ink);font-weight:600}

/* Die grosse Leistungstabelle liegt eingeklappt darunter */
.tabelle-auf{margin-top:34px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.tabelle-auf > summary{
  list-style:none;cursor:pointer;padding:20px 2px;font-weight:700;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:1rem;
}
.tabelle-auf > summary::-webkit-details-marker{display:none}
.tabelle-auf > summary::after{content:"+";font-size:1.6rem;color:var(--gold);font-weight:600;line-height:1;transition:transform .2s}
.tabelle-auf[open] > summary::after{transform:rotate(45deg)}
.tabelle-auf > summary:hover{color:var(--gold-dark)}
.tabelle-auf > summary:focus-visible{outline:3px solid var(--gold);outline-offset:-3px}
.tabelle-auf .inhalt{padding-bottom:26px}

/* Monatswert unter dem Jahrespreis */
.paket .monatlich{
  align-self:flex-start;margin-top:10px;padding:4px 11px;border-radius:100px;
  background:var(--gold-tint);color:var(--gold-dark);
  font-size:.78rem;font-weight:700;letter-spacing:.01em;
}

@media (max-width:1024px){
  .szenen{grid-template-columns:1fr;max-width:560px;margin-left:auto;margin-right:auto}
}