/* ============================================
   Finanzwissen Schweiz – Shared Stylesheet
   Futuristic Dark Fintech Theme
   ============================================ */

:root {
  --bg: #0A0E1A;
  --bg-alt: #0F1424;
  --surface: rgba(21, 27, 46, 0.6);
  --surface-solid: #151B2E;
  --border: rgba(255, 255, 255, 0.08);
  --primary: #3D9CFF;
  --primary-dark: #2570C7;
  --secondary: #2DE8B0;
  --warn: #FFB020;
  --text: #F5F7FA;
  --text-muted: #9AA4B8;
  --radius: 20px;
  --radius-sm: 12px;
  --max-width: 1200px;

  /* Einheitlicher Abstands-Massstab: Absätze/Grafik-Blöcke innerhalb
     einer Seite verwenden immer eine dieser Stufen, nie eigene Werte. */
  --space-sm: 16px;
  --space-md: 24px;
  --space-lg: 32px;
  --space-xl: 44px;

  /* Themenfarben: pro Nav-Thema eine eigene Akzentfarbe, zur
     Unterscheidung auf der jeweiligen Hero-Sektion und, wo passend,
     auf den Rechner-Karten wiederverwendet. */
  --topic-lohn: #3D9CFF;
  --topic-versicherungen: #22B8CF;
  --topic-steuern: #F0C555;
  --topic-investieren: #2DE8B0;
  --topic-checklisten: #A78BFA;
  --topic-mythen: #FF6B81;

  /* Einheitliche Breite für alle Hervorhebungs-/Statistik-Boxen
     (.highlight-box, .hero-stat-card, .eyecatcher-invest). */
  --box-max-width: 860px;
}

* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  background: var(--bg);
  color: var(--text);
  font-family: "Poppins", -apple-system, BlinkMacSystemFont, sans-serif;
  line-height: 1.6;
  font-size: 16px;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

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

ul { list-style: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* ---------- Header / Navigation ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10, 14, 26, 0.75);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  padding-top: env(safe-area-inset-top);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: 0.02em;
}

.logo-icon {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  object-fit: contain;
}

.nav-links {
  display: none;
  align-items: center;
  gap: 8px;
}

.nav-links a {
  padding: 10px 16px;
  border-radius: 999px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: color 0.2s, background 0.2s;
  min-height: 44px;
  display: flex;
  align-items: center;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--text);
  background: rgba(255, 255, 255, 0.06);
}

.nav-dropdown { position: relative; }

/* Kein Lücke zwischen Trigger und Panel: top:100% statt top:calc(100% + Xpx),
   sonst verliert die Maus beim Runterfahren den :hover und das Menü
   schliesst sich, bevor man es erreicht. Der optische Abstand kommt
   stattdessen über padding-top auf einem inneren Wrapper. */
.nav-dropdown-panel {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  padding-top: 8px;
  transition: opacity 0.12s ease;
}

.nav-dropdown-panel-inner {
  min-width: 260px;
  text-align: center;
  background: var(--surface-solid);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 8px;
  box-shadow: 0 20px 40px rgba(0,0,0,0.4);
}

.nav-dropdown:hover .nav-dropdown-panel,
.nav-dropdown:focus-within .nav-dropdown-panel,
.nav-dropdown.open .nav-dropdown-panel {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.nav-dropdown-panel a {
  display: block;
  text-align: center;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 0.9rem;
}

/* ---------- Untermenü "Investieren" (Flyout im Wissen-Dropdown) ---------- */

.nav-sub {
  position: relative;
}

.nav-sub > a {
  display: block;
  text-align: center;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 0.9rem;
  color: var(--text-muted);
}

.nav-sub > a:hover { color: var(--text); background: rgba(255, 255, 255, 0.06); }

/* Kein Lücke links vom Flyout aus demselben Grund wie beim Hauptmenü:
   left:100% (statt +margin) verhindert, dass die Maus beim Rüberfahren
   den Hover verliert. Der optische Abstand kommt über padding-left. */
.nav-sub-panel {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  position: absolute;
  top: -8px;
  left: 100%;
  padding-left: 8px;
  transition: opacity 0.12s ease;
}

.nav-sub-panel-inner {
  min-width: 200px;
  text-align: center;
  background: var(--surface-solid);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 8px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.4);
}

.nav-sub:hover .nav-sub-panel,
.nav-sub:focus-within .nav-sub-panel,
.nav-sub.open .nav-sub-panel {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.nav-sub-panel a {
  display: block;
  text-align: center;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 0.88rem;
}

.mobile-menu a.mobile-sub-link {
  padding-left: 22px;
  font-size: 1rem;
  color: var(--text-muted);
}

.nav-cta {
  display: none;
}

.burger {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  align-items: center;
  cursor: pointer;
  background: none;
  border: none;
}

.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s;
}

.burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  position: fixed;
  inset: 0;
  background: var(--bg);
  z-index: 99;
  display: none;
  flex-direction: column;
  padding: 100px 24px 40px;
  overflow-y: auto;
}

.mobile-menu.open { display: flex; }

.mobile-menu a {
  font-size: 1.15rem;
  font-weight: 500;
  padding: 16px 4px;
  border-bottom: 1px solid var(--border);
  min-height: 44px;
  display: flex;
  align-items: center;
}

.mobile-menu .mobile-group-label {
  color: var(--text-muted);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 24px 4px 6px;
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 12px 28px;
  border-radius: 999px;
  font-family: inherit;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: none;
  transition: transform 0.2s, box-shadow 0.2s, background 0.2s, border-color 0.2s;
  text-align: center;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: #06101F;
  box-shadow: 0 8px 24px rgba(61, 156, 255, 0.25);
}

.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(61, 156, 255, 0.35); }

.btn-outline {
  background: transparent;
  color: var(--text);
  border: 1px solid var(--border);
}

.btn-outline:hover { border-color: var(--primary); color: var(--primary); }

/* ---------- Hero ---------- */

.hero {
  position: relative;
  padding: 56px 0;
  text-align: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: -20%;
  z-index: -1;
  background:
    radial-gradient(circle at 20% 20%, rgba(61,156,255,0.25), transparent 45%),
    radial-gradient(circle at 80% 30%, rgba(45,232,176,0.18), transparent 45%),
    radial-gradient(circle at 50% 90%, rgba(61,156,255,0.12), transparent 50%);
  filter: blur(40px);
  animation: drift 18s ease-in-out infinite alternate;
}

@keyframes drift {
  0% { transform: translate(0,0) scale(1); }
  100% { transform: translate(-2%, 2%) scale(1.05); }
}

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--secondary);
  background: rgba(45, 232, 176, 0.1);
  border: 1px solid rgba(45, 232, 176, 0.25);
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.hero h1 {
  font-size: clamp(2rem, 7vw, 3.6rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.01em;
  max-width: 850px;
  margin: 0 auto 20px;
}

.hero h1 .gradient-text {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero p.lead {
  max-width: 620px;
  margin: 0 auto 32px;
  color: var(--text-muted);
  font-size: clamp(1rem, 2.5vw, 1.15rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
  margin-bottom: 44px;
}

/* Fact rotator */

.fact-box {
  max-width: 680px;
  margin: 0 auto;
  min-height: 92px;
  background: var(--surface);
  border: 1px solid var(--border);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-radius: var(--radius);
  padding: 22px 26px;
  display: flex;
  align-items: center;
  gap: 14px;
  text-align: left;
}

.fact-box .fact-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: #06101F;
}

#fact-text {
  font-size: 0.98rem;
  color: var(--text);
  transition: opacity 0.4s ease;
}

/* ---------- Hero banner image (full-bleed) ---------- */

.hero-banner {
  position: relative;
  width: 100%;
  overflow: hidden;
  margin-top: 0;
  background: var(--bg-alt);
}

.hero-banner-fade-top {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 58%;
  pointer-events: none;
  background: linear-gradient(180deg, rgba(10,14,26,0.82) 0%, rgba(10,14,26,0.42) 50%, rgba(10,14,26,0) 100%);
}

.hero-banner-text {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  padding: 44px 24px 0;
  text-align: center;
  z-index: 2;
}

.hero-banner-text h1 {
  text-shadow: 0 6px 28px rgba(0,0,0,0.6);
}

.hero-banner-text p.lead {
  text-shadow: 0 2px 14px rgba(0,0,0,0.65);
}

@media (min-width: 768px) {
  .hero-banner-text { padding-top: 56px; }
}

.hero-banner picture,
.hero-banner img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-banner img {
  aspect-ratio: 1536 / 2752;
}

.hero-banner-fade {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    linear-gradient(180deg, rgba(10,14,26,0) 55%, var(--bg) 100%),
    linear-gradient(180deg, rgba(10,14,26,0.15) 0%, rgba(10,14,26,0) 30%);
}

@media (min-width: 768px) {
  .hero-banner img {
    aspect-ratio: 3168 / 1344;
  }
}

/* ---------- Hero title block (headline + lead + CTA) ---------- */

.hero-title-block {
  background: linear-gradient(180deg, var(--bg) 0%, #15284b 100%);
}

@media (min-width: 768px) {
  .hero-title-block {
    background: linear-gradient(180deg, var(--bg) 0%, #091130 100%);
  }
}

.hero-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
  margin-top: 0;
}

/* ---------- Glasige Hintergrundkarte hinter Titel & Lead-Text ---------- */

.hero-glass-card {
  position: relative;
  max-width: 780px;
  margin: 0 auto;
  padding: 48px 32px 40px;
  border-radius: calc(var(--radius) + 8px);
  background: linear-gradient(150deg,
    rgba(61, 156, 255, 0.16) 0%,
    rgba(255, 255, 255, 0.05) 45%,
    rgba(45, 232, 176, 0.14) 100%);
  border: 1px solid rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(22px) saturate(140%);
  -webkit-backdrop-filter: blur(22px) saturate(140%);
  box-shadow:
    0 8px 40px rgba(0, 0, 0, 0.25),
    inset 0 1px 0 rgba(255, 255, 255, 0.18);
}


@media (max-width: 640px) {
  .hero-glass-card {
    padding: 36px 22px 30px;
  }
}

/* ---------- Hero banner (full-bleed supporting image) ---------- */

.hero-banner-clean {
  padding: 0;
}

.hero-banner-clean-img {
  position: relative;
  width: 100%;
  overflow: hidden;
}

.hero-banner-clean-img picture,
.hero-banner-clean-img img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-banner-clean-img img {
  aspect-ratio: 1536 / 2752;
}

.hero-banner-clean-img::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(180deg,
    var(--bg) 0%,
    rgba(10, 14, 26, 0) 16%,
    rgba(10, 14, 26, 0) 68%,
    var(--bg) 100%);
}

@media (min-width: 768px) {
  .hero-banner-clean-img img {
    aspect-ratio: 3168 / 1344;
  }
}

/* ---------- Full-bleed in-page section banner (e.g. Aktie vs. ETF) ---------- */

.section-banner {
  padding: 0;
  margin: 48px 0;
  position: relative;
}

.section-banner-img {
  position: relative;
  width: 100%;
  overflow: hidden;
  aspect-ratio: 2400 / 1792;
}

.section-banner-img img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.section-banner-img::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(
    180deg,
    var(--bg) 0%,
    rgba(10, 14, 26, 0) 14%,
    rgba(10, 14, 26, 0) 86%,
    var(--bg) 100%
  );
}

@media (min-width: 768px) {
  .section-banner-img {
    aspect-ratio: 2400 / 1200;
  }
}

/* ---------- Small contained comparison illustration (e.g. Aktie vs. ETF) ---------- */

.compare-img-wrap {
  max-width: 520px;
  margin: 28px auto;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
}

.compare-img-wrap img {
  display: block;
  width: 100%;
  height: auto;
}

@media (min-width: 768px) {
  .compare-img-wrap {
    max-width: 620px;
  }
}

/* ---------- Hero stat + chart grid ---------- */

.hero-stat-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-top: 48px;
  text-align: center;
}

.hero-stat-card {
  background: var(--surface);
  border: 1px solid var(--border);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-radius: var(--radius);
  padding: 28px;
  max-width: var(--box-max-width);
  margin: 0 auto;
}

.hero-stat-card h2 {
  font-size: clamp(1.25rem, 4vw, 1.55rem);
  font-weight: 700;
  margin: 14px 0 12px;
  line-height: 1.3;
}

.hero-stat-card p {
  color: var(--text-muted);
  font-size: 0.92rem;
  margin-bottom: 0;
}

.stat-row {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin: 24px 0 16px;
  padding: 20px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: var(--radius-sm);
}

.stat-block { min-width: 140px; }

.stat-value {
  font-size: clamp(1.4rem, 5vw, 1.9rem);
  font-weight: 700;
  letter-spacing: -0.01em;
}

.stat-label {
  color: var(--text-muted);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 4px;
}

.stat-arrow {
  font-size: 1.4rem;
  color: var(--primary);
  flex-shrink: 0;
}

.stat-footnote {
  color: var(--text-muted);
  font-size: 0.82rem;
  margin-top: 14px !important;
}

.stat-details {
  margin-top: 14px;
  border-top: 1px solid var(--border);
  padding-top: 12px;
}

.stat-details summary {
  cursor: pointer;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
  min-height: 44px;
  display: flex;
  align-items: center;
}

.stat-details p {
  font-size: 0.8rem;
  margin-top: 8px;
}

.hero-chart-card {
  display: flex;
  flex-direction: column;
}

.hero-chart-card .chart-frame {
  flex: 1;
  min-height: 300px;
}

@media (min-width: 1024px) {
  .hero-stat-grid {
    grid-template-columns: 1.05fr 0.95fr;
    align-items: stretch;
  }
}

/* ---------- Page hero (subpages) ---------- */

.page-hero {
  padding: var(--space-xl) 0 var(--space-lg);
  text-align: center;
}

.page-hero h1 {
  font-size: clamp(1.8rem, 6vw, 2.8rem);
  font-weight: 700;
  margin-bottom: 14px;
}

.page-hero p {
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto;
}

.breadcrumb {
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-bottom: 18px;
}

.breadcrumb a:hover { color: var(--primary); }

/* ---------- Themenfarben pro Hero (zur Unterscheidung der Themen) ---------- */

.page-hero.topic-lohn::before,
.page-hero.topic-versicherungen::before,
.page-hero.topic-steuern::before,
.page-hero.topic-investieren::before,
.page-hero.topic-checklisten::before,
.page-hero.topic-mythen::before {
  content: "";
  display: block;
  width: 64px;
  height: 4px;
  margin: 0 auto 20px;
  border-radius: 4px;
}

.page-hero.topic-lohn::before { background: var(--topic-lohn); }
.page-hero.topic-versicherungen::before { background: var(--topic-versicherungen); }
.page-hero.topic-steuern::before { background: var(--topic-steuern); }
.page-hero.topic-investieren::before { background: var(--topic-investieren); }
.page-hero.topic-checklisten::before { background: var(--topic-checklisten); }
.page-hero.topic-mythen::before { background: var(--topic-mythen); }

/* ---------- Quicklinks grid (home) ---------- */

.section-label {
  text-align: center;
  color: var(--text-muted);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 10px;
}

.section-title {
  text-align: center;
  font-size: clamp(1.5rem, 4vw, 2.2rem);
  font-weight: 700;
  margin-bottom: 40px;
}

.grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 20px;
}

.grid > .card {
  flex: 0 1 100%;
  width: 100%;
}

.card {
  position: relative;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.09), rgba(255, 255, 255, 0) 55%), rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(22px) saturate(160%);
  -webkit-backdrop-filter: blur(22px) saturate(160%);
  border-radius: var(--radius);
  padding: 28px;
  transition: transform 0.3s ease, border-color 0.3s ease, background 0.3s ease, box-shadow 0.3s ease;
  cursor: pointer;
  display: block;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.08), 0 8px 24px rgba(0, 0, 0, 0.2);
}

.card:hover {
  transform: translateY(-6px) scale(1.02);
  border-color: rgba(61, 156, 255, 0.55);
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0) 55%), rgba(255, 255, 255, 0.08);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.12), 0 20px 50px rgba(61, 156, 255, 0.3);
  z-index: 50;
}

.card .card-num {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: 0.05em;
  margin-bottom: 10px;
}

.card h3 {
  font-size: 1.15rem;
  font-weight: 600;
  margin-bottom: 8px;
}

.card p {
  color: var(--text-muted);
  font-size: 0.92rem;
}

.card.card-title-only {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 84px;
  text-align: center;
  padding: 24px 20px;
}

.card.card-title-only.card-icon-block {
  flex-direction: column;
  gap: 6px;
  min-height: 140px;
}

.card .card-icon-emoji {
  font-size: 2rem;
  line-height: 1;
}

.card.card-title-only h3 {
  width: 100%;
  margin: 0;
  line-height: 1.3;
}

/* ---------- Checklisten: Icon-Karten, öffnen die PDF direkt ---------- */

.checklist-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
  text-decoration: none;
  color: var(--text);
}

.checklist-card .card-icon-emoji {
  font-size: 2rem;
  margin-bottom: 4px;
}

.checklist-card h3 {
  margin: 0;
}

.checklist-card p {
  margin: 4px 0 10px;
}

.checklist-open {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--primary);
}

.card-hover-desc {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  right: 0;
  z-index: 20;
  display: block;
  background: var(--surface-solid);
  border: 1px solid rgba(61, 156, 255, 0.35);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  font-size: 0.85rem;
  font-weight: 400;
  line-height: 1.55;
  color: var(--text-muted);
  text-align: left;
  opacity: 0;
  transform: translateY(-6px);
  pointer-events: none;
  transition: opacity 0.22s ease, transform 0.22s ease;
  box-shadow: 0 24px 48px rgba(0, 0, 0, 0.5);
}

@media (hover: hover) and (pointer: fine) {
  .card:hover .card-hover-desc,
  .card:focus-visible .card-hover-desc {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ---------- Content sections ---------- */

.content-section {
  padding: var(--space-lg) 0;
  border-top: 1px solid var(--border);
}

.content-section:first-of-type { border-top: none; }

.content-section h2 {
  font-size: clamp(1.4rem, 4vw, 1.9rem);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}

.content-section h3 {
  font-size: 1.15rem;
  font-weight: 600;
  margin: var(--space-md) 0 10px;
  color: var(--primary);
}

.content-section p {
  color: var(--text-muted);
  margin-bottom: var(--space-sm);
  max-width: 760px;
}

.content-section ul.bullets {
  margin: 12px 0 20px;
  max-width: 760px;
}

.content-section ul.bullets li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 12px;
  color: var(--text-muted);
}

.content-section ul.bullets li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
}

.content-section ul.bullets strong { color: var(--text); }

.info-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin: 24px 0;
}

.info-card.warn {
  border-color: rgba(255, 176, 32, 0.35);
  background: rgba(255, 176, 32, 0.06);
}

.info-card.good {
  border-color: rgba(45, 232, 176, 0.35);
  background: rgba(45, 232, 176, 0.06);
}

.info-card h4 {
  font-size: 1rem;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.takeaways {
  background: linear-gradient(135deg, rgba(61,156,255,0.08), rgba(45,232,176,0.08));
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  margin-top: 40px;
}

.takeaways h3 {
  margin: 0 0 16px;
  color: var(--text);
}

.takeaways ol {
  padding-left: 20px;
  color: var(--text-muted);
}

.takeaways li { margin-bottom: 8px; }

/* Comparison table */

.compare-wrap { overflow-x: auto; margin: 20px 0; }

table.compare {
  width: 100%;
  border-collapse: collapse;
  min-width: 480px;
}

table.compare th, table.compare td {
  text-align: center;
  padding: 14px 16px;
  border-bottom: 1px solid var(--border);
  font-size: 0.92rem;
}

table.compare th {
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.05em;
}

table.compare td.tag-good { color: var(--secondary); font-weight: 600; }
table.compare td.tag-warn { color: var(--warn); font-weight: 600; }

/* ---------- Charts (Investieren page) ---------- */

.chart-block {
  margin-bottom: 32px;
}

.chart-frame {
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  background: var(--surface-solid);
  min-height: 220px;
}

.chart-caption {
  color: var(--text-muted);
  font-size: 0.82rem;
  margin-top: 10px;
}

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

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--surface);
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 18px 20px;
  background: none;
  border: none;
  color: var(--text);
  font-family: inherit;
  font-weight: 600;
  font-size: 0.98rem;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  min-height: 44px;
}

.faq-question .chevron {
  flex-shrink: 0;
  transition: transform 0.25s;
  color: var(--primary);
}

.faq-item.open .chevron { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 20px;
  color: var(--text-muted);
  font-size: 0.92rem;
}

.faq-item.open .faq-answer {
  max-height: 400px;
  padding: 0 20px 20px;
}

/* Anonymous board */

.board-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 32px;
}

.board-form textarea {
  width: 100%;
  min-height: 90px;
  background: var(--surface-solid);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text);
  font-family: inherit;
  font-size: 1rem;
  padding: 14px 16px;
  resize: vertical;
}

.board-form textarea:focus, .faq-question:focus, input:focus {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

.board-note {
  font-size: 0.82rem;
  color: var(--text-muted);
}

.board-list { display: flex; flex-direction: column; gap: 12px; }

.board-post {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  font-size: 0.92rem;
}

.board-post .board-meta {
  color: var(--text-muted);
  font-size: 0.75rem;
  margin-bottom: 6px;
}

.board-empty {
  color: var(--text-muted);
  font-size: 0.9rem;
  text-align: center;
  padding: 20px;
}

/* ---------- Footer ---------- */

.site-footer {
  padding: 48px 0 calc(32px + env(safe-area-inset-bottom));
  border-top: 1px solid var(--border);
  text-align: center;
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-top: 60px;
}

.site-footer p { margin-bottom: 8px; }

.footer-links {
  display: flex;
  gap: 18px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 14px;
}

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

/* ---------- Hero text emphasis panel ---------- */

.hero-banner-text-panel {
  display: inline-block;
  max-width: 780px;
  margin: 0 auto;
  padding: 22px 24px 26px;
  background: rgba(8, 11, 20, 0.58);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
}

@media (min-width: 768px) {
  .hero-banner-text-panel {
    padding: 30px 40px 34px;
  }
}

/* ---------- Download cards (Checklisten) ---------- */

.download-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 16px;
}

.download-card .download-title {
  font-size: 1.05rem;
  font-weight: 600;
  margin-bottom: 6px;
}

.download-card .download-desc {
  color: var(--text-muted);
  font-size: 0.9rem;
  max-width: 480px;
}

.download-card .btn {
  flex-shrink: 0;
}

/* ---------- Calculator cards (Rechner) ---------- */

.rechner-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  align-items: start;
}

@media (min-width: 860px) {
  .rechner-grid { grid-template-columns: 1fr 1fr; }
}

.calc-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 0;
  min-width: 0;
}

.calc-card h2 {
  margin-top: 0 !important;
  font-size: 1.25rem !important;
}

.calc-card h3 {
  margin-top: 0 !important;
  color: var(--text) !important;
  font-size: 1.2rem !important;
}

.calc-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 16px;
  margin: 18px 0;
}

.calc-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.calc-field label {
  color: var(--text-muted);
  font-size: 0.82rem;
}

.calc-field input,
.calc-field select {
  min-height: 48px;
  background: var(--surface-solid);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text);
  font-family: inherit;
  font-size: 1rem;
  padding: 0 16px;
}

.calc-field select {
  appearance: none;
  -webkit-appearance: none;
  background-image: linear-gradient(45deg, transparent 50%, var(--text-muted) 50%), linear-gradient(135deg, var(--text-muted) 50%, transparent 50%);
  background-position: calc(100% - 22px) center, calc(100% - 16px) center;
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
  padding-right: 40px;
}

.calc-result {
  margin-top: 18px;
  padding: 20px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: var(--radius-sm);
}

.calc-result .stat-row { margin: 0 0 8px; }

/* Themenfarben auf den Rechner-Karten, zur Unterscheidung */
.calc-card.topic-accent-investieren { border-top: 3px solid var(--topic-investieren); }
.calc-card.topic-accent-lohn { border-top: 3px solid var(--topic-lohn); }
.calc-card.topic-accent-steuern { border-top: 3px solid var(--topic-steuern); }

.calc-monthly-note {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(240, 197, 85, 0.1);
  border: 1px solid rgba(240, 197, 85, 0.3);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  margin: 16px 0;
  font-size: 0.9rem;
  color: var(--text);
}

.calc-monthly-note .cmn-icon { font-size: 1.1rem; }

/* ---------- Steuer-Rechner: Kanton-Niveaustufen-Balken ---------- */

.tax-tier-bar {
  position: relative;
  display: flex;
  border-radius: var(--radius-sm);
  overflow: hidden;
  margin: 20px 0 28px;
  height: 40px;
}

.tax-tier-seg {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--text);
  letter-spacing: 0.02em;
}

.tax-tier-seg.tier-tief { background: rgba(45, 232, 176, 0.35); }
.tax-tier-seg.tier-mittel { background: rgba(61, 156, 255, 0.35); }
.tax-tier-seg.tier-hoch { background: rgba(255, 176, 32, 0.35); }
.tax-tier-seg.tier-sehrhoch { background: rgba(255, 90, 90, 0.35); }

.tax-tier-marker {
  position: absolute;
  top: -20px;
  left: 12.5%;
  transform: translateX(-50%);
  color: var(--text);
  font-size: 0.9rem;
  transition: left 0.25s ease;
}

/* ---------- Kreisdiagramme (Rechner + Budgetplaner) ---------- */

.pie-wrap {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 18px;
}

.pie-chart {
  --pie-size: 168px;
  width: var(--pie-size);
  height: var(--pie-size);
  min-width: var(--pie-size);
  border-radius: 50%;
  background: conic-gradient(var(--border) 0 100%);
  position: relative;
  transition: background 0.4s ease;
}

.pie-chart::after {
  content: "";
  position: absolute;
  inset: 22%;
  border-radius: 50%;
  background: var(--surface-solid);
  box-shadow: inset 0 0 0 1px var(--border);
}

.pie-center-label {
  position: absolute;
  inset: 22%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  z-index: 1;
  padding: 4px;
}

.pie-center-label .pie-center-value {
  font-weight: 700;
  font-size: 1rem;
  color: var(--text);
  line-height: 1.15;
}

.pie-center-label .pie-center-note {
  font-size: 0.68rem;
  color: var(--text-muted);
  margin-top: 2px;
}

.pie-legend {
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-width: 180px;
}

.pie-legend-row {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
}

.pie-legend-row .dot {
  width: 11px;
  height: 11px;
  border-radius: 50%;
  flex-shrink: 0;
}

.pie-legend-row .pie-legend-label {
  color: var(--text-muted);
  flex: 1;
}

.pie-legend-row .pie-legend-value {
  color: var(--text);
  font-weight: 600;
  white-space: nowrap;
}

/* ---------- Lernpfad / progress ---------- */

.progress-wrap {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin: 24px 0 36px;
}

.progress-bar-track {
  width: 100%;
  height: 14px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
  overflow: hidden;
  border: 1px solid var(--border);
}

.progress-bar-fill {
  height: 100%;
  width: 0%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: 999px;
  transition: width 0.35s ease;
}

.progress-label {
  display: block;
  margin-top: 10px;
  color: var(--text-muted);
  font-size: 0.88rem;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  margin-bottom: 12px;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}

.checklist-item:hover {
  border-color: rgba(61, 156, 255, 0.35);
}

.checklist-item.done {
  border-color: rgba(45, 232, 176, 0.4);
  background: rgba(45, 232, 176, 0.06);
}

.checklist-item input[type="checkbox"] {
  width: 22px;
  height: 22px;
  min-width: 22px;
  margin-top: 2px;
  accent-color: var(--primary);
  cursor: pointer;
}

.checklist-item .checklist-body {
  flex: 1;
}

.checklist-item .checklist-title {
  font-weight: 600;
  margin-bottom: 4px;
}

.checklist-item .checklist-desc {
  color: var(--text-muted);
  font-size: 0.88rem;
}

.checklist-item .btn {
  flex-shrink: 0;
  padding: 8px 18px;
  min-height: 40px;
  font-size: 0.85rem;
}

/* ---------- Myth cards ---------- */

.myth-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 16px;
}

.myth-card .myth {
  color: var(--warn);
  font-weight: 600;
  margin-bottom: 10px;
}

.myth-card .reality {
  color: var(--secondary);
  font-weight: 600;
  margin-bottom: 8px;
}

.myth-card p.explain {
  color: var(--text-muted);
  font-size: 0.92rem;
  margin-bottom: 0;
}

/* ---------- Breakpoints ---------- */

@media (min-width: 768px) {
  .grid > .card { flex-basis: calc((100% - 20px) / 2); width: calc((100% - 20px) / 2); }
  table.compare { min-width: 0; }
}

@media (min-width: 1024px) {
  .nav-links { display: flex; }
  .nav-cta { display: inline-flex; }
  .burger { display: none; }
  .grid > .card { flex-basis: calc((100% - 40px) / 3); width: calc((100% - 40px) / 3); }
  .chart-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
}

/* ============================================
   Reusable: scroll-reveal animation
   ============================================ */

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ============================================
   Reusable: Pop-Card + zentrisches Popup-Modal
   ============================================ */

.pop-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
  margin: 28px 0;
}

.pop-grid > .pop-card { flex: 0 1 100%; width: 100%; }

.pop-card {
  position: relative;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0) 55%), rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 22px 20px;
  cursor: pointer;
  transition: transform 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
  text-align: left;
}

.pop-card:hover, .pop-card:focus-visible {
  transform: translateY(-4px);
  border-color: rgba(61, 156, 255, 0.5);
  box-shadow: 0 16px 36px rgba(61, 156, 255, 0.22);
}

.pop-card .pop-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 14px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  box-shadow: 0 8px 20px rgba(61, 156, 255, 0.3);
}

.pop-card h4 {
  font-size: 1.02rem;
  margin-bottom: 6px;
}

.pop-card .pop-card-teaser {
  color: var(--text-muted);
  font-size: 0.86rem;
  margin: 0;
}

.pop-card .pop-tap-hint {
  display: inline-block;
  margin-top: 12px;
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--primary);
  letter-spacing: 0.02em;
}

.pop-badge {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 10px;
}

.pop-badge.oblig {
  color: var(--warn);
  background: rgba(255, 176, 32, 0.12);
  border: 1px solid rgba(255, 176, 32, 0.35);
}

.pop-badge.freiwillig {
  color: var(--secondary);
  background: rgba(45, 232, 176, 0.12);
  border: 1px solid rgba(45, 232, 176, 0.35);
}

.pop-card-content { display: none; }

.pop-overlay {
  position: fixed;
  inset: 0;
  z-index: 300;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  background: rgba(5, 8, 16, 0.72);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease;
}

.pop-overlay.open {
  opacity: 1;
  pointer-events: auto;
}

.pop-modal {
  position: relative;
  width: 100%;
  max-width: 520px;
  max-height: 82vh;
  overflow-y: auto;
  background: var(--surface-solid);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  transform: scale(0.86);
  opacity: 0;
  transition: transform 0.32s cubic-bezier(0.2, 0.9, 0.3, 1.1), opacity 0.28s ease;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.55);
}

.pop-overlay.open .pop-modal {
  transform: scale(1);
  opacity: 1;
}

.pop-modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.06);
  color: var(--text);
  font-size: 1.1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}

.pop-modal-close:hover { background: rgba(255, 255, 255, 0.14); }

.pop-modal h3 {
  font-size: 1.25rem;
  margin: 6px 46px 14px 0;
}

.pop-modal-body p {
  color: var(--text-muted);
  margin-bottom: 12px;
  max-width: none;
}

.pop-modal-body strong { color: var(--text); }

.pop-modal-body .glossary-term {
  display: block;
  margin: 14px 0 4px;
  font-weight: 600;
  color: var(--primary);
}

/* Pop-grid column counts */
@media (min-width: 600px) {
  .pop-grid > .pop-card { flex-basis: calc((100% - 16px) / 2); width: calc((100% - 16px) / 2); }
}

@media (min-width: 900px) {
  .pop-grid.cols-3 > .pop-card { flex-basis: calc((100% - 32px) / 3); width: calc((100% - 32px) / 3); }
  .pop-grid.cols-4 > .pop-card { flex-basis: calc((100% - 48px) / 4); width: calc((100% - 48px) / 4); }
}

/* ============================================
   3-Säulen Illustration (Lohn & Abzüge)
   ============================================ */

/* ---------- Lohnausweis-Feldvorschau (oben unter dem Titel) ---------- */

.lohn-formel {
  display: flex;
  flex-wrap: nowrap;
  align-items: center;
  gap: 8px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  justify-content: flex-start;
  margin: var(--space-md) 0 8px;
  padding-bottom: 4px;
}

@media (min-width: 720px) {
  .lohn-formel { justify-content: center; }
}

.lf-item {
  flex: 0 0 auto;
  white-space: nowrap;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 10px 16px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
}

.lf-item.lf-result {
  border-color: rgba(45, 232, 176, 0.4);
  background: rgba(45, 232, 176, 0.08);
  color: var(--secondary);
}

.lf-op {
  flex: 0 0 auto;
  color: var(--text-muted);
  font-size: 1rem;
}

.lf-footnote {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin: 6px 0 0;
}

/* ---------- Tempel-Darstellung der drei Säulen ---------- */

.temple-wrap {
  max-width: 620px;
  margin: var(--space-lg) auto 0;
  /* Das Dach-Dreieck (.temple-roof::before) ragt bis zu 46px über den
     Dach-Balken hinaus. Ohne Reserve ragt es aus der Box heraus und
     überschneidet den Absatz-Text darüber. Padding-top reserviert den
     Platz INNERHALB der Box, damit das Dreieck nie über den Text ragt. */
  padding-top: 50px;
}

.temple-roof {
  position: relative;
  height: 34px;
  margin: 0 auto;
  width: 92%;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.22), rgba(255, 255, 255, 0.06));
  border: 1px solid var(--border);
  border-radius: 4px;
}

.temple-roof::before {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 100%;
  transform: translateX(-50%);
  width: 0;
  height: 0;
  border-left: 130px solid transparent;
  border-right: 130px solid transparent;
  border-bottom: 46px solid rgba(255, 255, 255, 0.14);
  filter: drop-shadow(0 -1px 0 var(--border));
}

.pillars-stage {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 20px;
  flex-wrap: nowrap;
  margin: 0;
  /* Abstand zum Dach darüber, damit die Nummern-Kreise (1/2/3) das Dach
     nie berühren oder überschneiden. */
  padding: 22px 0 0;
}

/* Alle drei Säulen bleiben auch auf kleinen Screens in einer Reihe. */
@media (max-width: 420px) {
  .pillars-stage { gap: 8px; }
  .pillar-card { width: 96px; }
  .pillar-num { width: 28px; height: 28px; font-size: 0.82rem; margin-bottom: 8px; }
  .pillar-capital, .pillar-base { width: 64px; height: 11px; }
  .pillar-shaft { width: 40px; }
  .pillar-card[data-h="1"] .pillar-shaft,
  .pillar-card[data-h="2"] .pillar-shaft,
  .pillar-card[data-h="3"] .pillar-shaft { height: 96px; }
  .pillar-label { font-size: 0.78rem; margin-top: 10px; }
  .pillar-label .pillar-badge { font-size: 0.6rem; }
  .pillar-main-tag { font-size: 0.58rem; }
}

.temple-base {
  width: 100%;
  margin: 22px auto 0;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.temple-base-step {
  height: 10px;
  border-radius: 2px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.16), rgba(255, 255, 255, 0.03));
  border: 1px solid var(--border);
  margin-top: 4px;
}

.temple-base-step.step-1 { width: 96%; }
.temple-base-step.step-2 { width: 88%; }
.temple-base-step.step-3 { width: 78%; }

.pillar-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  background: none;
  border: none;
  cursor: pointer;
  width: 130px;
  padding: 0;
}

.pillar-num {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 12px;
  box-shadow: 0 8px 20px rgba(61, 156, 255, 0.3);
}

.pillar-visual {
  display: flex;
  flex-direction: column;
  align-items: center;
  transition: transform 0.25s ease, filter 0.25s ease;
}

.pillar-card:hover .pillar-visual,
.pillar-card:focus-visible .pillar-visual {
  transform: translateY(-8px);
  filter: drop-shadow(0 14px 26px rgba(61, 156, 255, 0.4));
}

.pillar-capital, .pillar-base {
  width: 84px;
  height: 14px;
  border-radius: 3px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.28), rgba(255, 255, 255, 0.08));
  border: 1px solid var(--border);
}

.pillar-shaft {
  width: 54px;
  border-left: 1px solid var(--border);
  border-right: 1px solid var(--border);
  background:
    repeating-linear-gradient(90deg, rgba(255, 255, 255, 0.1) 0 5px, rgba(255, 255, 255, 0.02) 5px 11px),
    linear-gradient(180deg, rgba(61, 156, 255, 0.28), rgba(45, 232, 176, 0.12));
}

.pillar-card[data-h="1"] .pillar-shaft,
.pillar-card[data-h="2"] .pillar-shaft,
.pillar-card[data-h="3"] .pillar-shaft { height: 130px; }

.pillar-label {
  margin-top: 14px;
  font-weight: 600;
  font-size: 0.92rem;
  text-align: center;
}

.pillar-label .pillar-badge {
  display: block;
  margin-top: 4px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.pillar-card[data-h="1"] .pillar-label .pillar-badge,
.pillar-card[data-h="2"] .pillar-label .pillar-badge { color: var(--warn); }
.pillar-card[data-h="3"] .pillar-label .pillar-badge { color: var(--secondary); }

/* Die AHV (1. Säule) steht in der Mitte, gleiche Grösse wie die anderen
   Säulen. Die Wichtigkeit wird rein über die goldene Farbe kommuniziert,
   kein zusätzlicher Text-Tag. */
.pillar-card.pillar-main .pillar-num {
  background: linear-gradient(135deg, #F0C555, #C9922B);
  box-shadow: 0 0 0 4px rgba(240, 197, 85, 0.22), 0 10px 26px rgba(240, 197, 85, 0.4);
}

.pillar-card.pillar-main .pillar-capital,
.pillar-card.pillar-main .pillar-base {
  background: linear-gradient(180deg, rgba(240, 197, 85, 0.55), rgba(240, 197, 85, 0.15));
  border-color: rgba(240, 197, 85, 0.4);
}

.pillar-card.pillar-main .pillar-shaft {
  background:
    repeating-linear-gradient(90deg, rgba(255, 255, 255, 0.12) 0 5px, rgba(255, 255, 255, 0.02) 5px 11px),
    linear-gradient(180deg, rgba(240, 197, 85, 0.5), rgba(240, 197, 85, 0.12));
  border-color: rgba(240, 197, 85, 0.4);
  box-shadow: 0 0 24px rgba(240, 197, 85, 0.28);
}

.pillar-card.pillar-main .pillar-label .pillar-badge { color: #F0C555; }

/* ---------- "Side Quest"-Box (Eselsbrücke, dezent unten) ---------- */

.side-quest {
  margin: var(--space-lg) auto 0;
  max-width: 560px;
  border: 1px dashed rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  opacity: 0.85;
}

.side-quest-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  margin-bottom: 10px;
}

.side-quest .eselsbruecke-row {
  margin: 0;
}

.side-quest .esel-card {
  background: transparent;
}

.eselsbruecke-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin: 24px 0;
  justify-content: center;
}

.esel-card {
  flex: 1 1 240px;
  max-width: 320px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  text-align: center;
}

.esel-card .esel-word {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text);
}

.esel-card .esel-mnemonic {
  color: var(--primary);
  font-weight: 600;
  margin-top: 4px;
}

.esel-card .esel-sub {
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-top: 6px;
}

/* ============================================
   Highlight boxes (Investieren: Aktie / ETF / Krypto)
   ============================================ */

.highlight-box {
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 28px;
  margin: 32px auto;
  background: var(--surface);
  max-width: var(--box-max-width);
}

.highlight-box.aktie {
  border-color: rgba(255, 90, 90, 0.3);
  background: linear-gradient(160deg, rgba(255, 90, 90, 0.08), rgba(21, 27, 46, 0.4));
}

.highlight-box.etf {
  border-color: rgba(45, 232, 176, 0.35);
  background: linear-gradient(160deg, rgba(45, 232, 176, 0.1), rgba(21, 27, 46, 0.4));
}

.highlight-box.krypto {
  border-color: rgba(255, 176, 32, 0.35);
  background: linear-gradient(160deg, rgba(255, 176, 32, 0.1), rgba(21, 27, 46, 0.4));
}

.highlight-box .highlight-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 14px;
}

.highlight-box.aktie .highlight-tag { color: #FF7A7A; background: rgba(255, 90, 90, 0.14); }
.highlight-box.etf .highlight-tag { color: var(--secondary); background: rgba(45, 232, 176, 0.14); }
.highlight-box.krypto .highlight-tag { color: var(--warn); background: rgba(255, 176, 32, 0.16); }

.highlight-box h3 {
  font-size: 1.3rem;
  margin-bottom: 12px;
  color: var(--text);
}

.highlight-box p { color: var(--text-muted); }

.highlight-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  align-items: center;
  margin-top: 16px;
}

@media (min-width: 900px) {
  .highlight-grid { grid-template-columns: 1.1fr 0.9fr; }
}

/* ---------- Investieren: freiwillig & immer Zugriff (2 eigene Boxen) ---------- */

.invest-frame-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin: var(--space-lg) 0 0;
}

@media (max-width: 620px) {
  .invest-frame-grid { grid-template-columns: 1fr; }
}

.invest-frame-box {
  margin: 0;
  padding: 22px 26px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, rgba(45, 232, 176, 0.09), rgba(61, 156, 255, 0.06));
  border: 1px solid rgba(45, 232, 176, 0.25);
  text-align: center;
}

.invest-frame-item {
  flex: 1 1 220px;
}

.invest-frame-item .ifi-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--secondary);
  margin-bottom: 6px;
}

.invest-frame-item p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.92rem;
}

/* ---------- PRO / KONTRA Listen ---------- */

.pro-kontra-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 18px 0 30px;
}

@media (min-width: 700px) {
  .pro-kontra-grid { grid-template-columns: 1fr 1fr; }
}

.pro-kontra-card {
  border-radius: var(--radius-sm);
  padding: 20px 22px;
  border: 1px solid var(--border);
}

.pro-kontra-card.pro {
  background: rgba(45, 232, 176, 0.06);
  border-color: rgba(45, 232, 176, 0.3);
}

.pro-kontra-card.kontra {
  background: rgba(255, 90, 90, 0.05);
  border-color: rgba(255, 90, 90, 0.25);
}

.pro-kontra-card h4 {
  margin: 0 0 12px;
  font-size: 0.95rem;
}

.pro-kontra-card.pro h4 { color: var(--secondary); }
.pro-kontra-card.kontra h4 { color: #FF7A7A; }

.pro-kontra-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.pro-kontra-card li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 10px;
  font-size: 0.88rem;
  color: var(--text-muted);
}

.pro-kontra-card.pro li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--secondary);
  font-weight: 700;
}

.pro-kontra-card.kontra li::before {
  content: "✕";
  position: absolute;
  left: 0;
  color: #FF7A7A;
  font-weight: 700;
}

/* ---------- Ausgabe vs. Investment ---------- */

.spend-invest-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 18px 0 30px;
}

@media (min-width: 700px) {
  .spend-invest-grid { grid-template-columns: 1fr 1fr; }
}

.spend-invest-card {
  border-radius: var(--radius-sm);
  padding: 22px 24px;
  border: 1px solid var(--border);
  background: var(--surface);
}

.spend-invest-card .si-icon { font-size: 1.6rem; }

.spend-invest-card h4 {
  margin: 10px 0 8px;
  font-size: 1.02rem;
}

.spend-invest-card.expense h4 { color: var(--warn); }
.spend-invest-card.investment h4 { color: var(--secondary); }

.spend-invest-card p {
  margin: 0 0 8px;
  color: var(--text-muted);
  font-size: 0.9rem;
}

.spend-invest-card .si-examples {
  font-size: 0.82rem;
  color: var(--text-muted);
  opacity: 0.85;
}

/* ---------- Homepage-Eyecatcher: Investieren seit 1993 ---------- */

.eyecatcher-invest {
  margin: 0 auto;
  max-width: var(--box-max-width);
  border-radius: calc(var(--radius) + 6px);
  padding: 32px 30px 26px;
  background: linear-gradient(150deg, rgba(45, 232, 176, 0.1), rgba(61, 156, 255, 0.08));
  border: 1px solid rgba(45, 232, 176, 0.28);
  display: grid;
  grid-template-columns: 1fr;
  gap: 22px;
  align-items: center;
}

@media (min-width: 860px) {
  .eyecatcher-invest { grid-template-columns: 1fr 1fr; padding: 36px 40px; }
}

.eyecatcher-invest .ec-tag {
  display: inline-block;
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--secondary);
  background: rgba(45, 232, 176, 0.12);
  border: 1px solid rgba(45, 232, 176, 0.3);
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}

.eyecatcher-invest h2 {
  margin: 0 0 10px;
  font-size: clamp(1.3rem, 3vw, 1.7rem);
}

.eyecatcher-invest h2.ec-headline {
  font-size: clamp(1.05rem, 4.4vw, 1.7rem);
  white-space: nowrap;
}

@media (max-width: 420px) {
  .eyecatcher-invest h2.ec-headline { white-space: normal; }
}

.eyecatcher-invest p {
  color: var(--text-muted);
  font-size: 0.94rem;
  margin: 0 0 16px;
}

.eyecatcher-invest .stat-row { margin-bottom: 6px; }

.eyecatcher-chart {
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--border);
  padding: 14px 16px 8px;
}

.eyecatcher-chart svg { width: 100%; height: auto; display: block; }

.eyecatcher-chart .ec-chart-caption {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 6px;
}

/* ============================================
   Steuerprogression bar chart
   ============================================ */

.progression-chart {
  display: flex;
  align-items: flex-end;
  gap: 10px;
  margin: 24px 0;
  padding: 20px 16px 0;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  min-height: 200px;
}

.progression-bar-wrap {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.progression-bar-track {
  height: 140px;
  width: 100%;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.progression-bar {
  width: 100%;
  max-width: 46px;
  border-radius: 6px 6px 0 0;
  background: linear-gradient(180deg, var(--secondary), var(--primary));
}

.progression-bar-label {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-align: center;
  padding-bottom: 10px;
}

.progression-bar-pct {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text);
}

/* ============================================
   Glossary chips (Versicherungen)
   ============================================ */

.glossary-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 20px 0;
}

/* ============================================
   Budget tool (budget.html)
   ============================================ */

.budget-tool {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 20px;
  margin: 24px 0;
}

.budget-tool h3 {
  font-size: 1.05rem;
  margin-bottom: 4px;
  color: var(--text);
}

.budget-tool .budget-hint {
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-bottom: 16px;
}

.budget-income-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}

.budget-income-row label { font-weight: 600; font-size: 0.9rem; }

.budget-income-row input,
.budget-row input {
  min-height: 44px;
  min-width: 0;
  background: var(--surface-solid);
  border: 1px solid var(--border);
  border-radius: 8px;
  color: var(--text);
  font-family: inherit;
  font-size: 0.92rem;
  padding: 0 12px;
  box-sizing: border-box;
}

.budget-income-row input {
  flex: 1 1 140px;
  min-width: 0;
  max-width: 220px;
}

.budget-cols-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0 24px;
}

@media (min-width: 700px) {
  .budget-cols-2 { grid-template-columns: 1fr 1fr; }
}

.budget-cat {
  margin-bottom: 22px;
  min-width: 0;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  border-left: 4px solid var(--border);
}

.budget-cat[data-cat="fix"] {
  background: rgba(61, 156, 255, 0.06);
  border-left-color: var(--primary);
}

.budget-cat[data-cat="var"] {
  background: rgba(255, 176, 32, 0.06);
  border-left-color: var(--warn);
}

.budget-cat[data-cat="save"] {
  background: rgba(45, 232, 176, 0.06);
  border-left-color: var(--secondary);
}

.budget-pdf-row {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--border);
}

.budget-pdf-hint {
  font-size: 0.82rem;
  color: var(--text-muted);
}

.budget-cat-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
}

.budget-cat-head h4 { font-size: 0.95rem; }

.budget-cat-total {
  font-weight: 700;
  color: var(--text);
}

.budget-row {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-bottom: 8px;
}

.budget-row input[type="text"] { flex: 1.4 1 0; min-width: 0; }
.budget-row input[type="number"] { flex: 1 1 0; min-width: 0; max-width: 110px; }

@media (max-width: 480px) {
  .budget-row { flex-wrap: wrap; }
  .budget-row input[type="text"] { flex: 1 1 100%; }
  .budget-row input[type="number"] { flex: 1 1 auto; max-width: none; }
}

.budget-row-remove {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.05);
  color: var(--text-muted);
  cursor: pointer;
}

.budget-row-remove:hover { color: var(--warn); border-color: rgba(255,176,32,0.4); }

.budget-add-row {
  background: none;
  border: 1px dashed var(--border);
  border-radius: 8px;
  padding: 8px 14px;
  color: var(--primary);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  min-height: 40px;
}

.budget-add-row:hover { border-color: var(--primary); }

.budget-summary {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}

.budget-bar-track {
  width: 100%;
  height: 14px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
  overflow: hidden;
  display: flex;
  margin: 10px 0 14px;
}

.budget-bar-seg { height: 100%; }
.budget-bar-seg.fix { background: var(--primary); }
.budget-bar-seg.var { background: var(--warn); }
.budget-bar-seg.save { background: var(--secondary); }
.budget-bar-seg.over { background: #FF5A5A; }

.budget-legend {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.budget-legend-row {
  display: flex;
  align-items: center;
  gap: 8px;
}

.budget-legend-row .bl-label { flex: 1 1 auto; color: var(--text); font-weight: 600; }
.budget-legend-row .bl-amount { color: var(--text-muted); }
.budget-legend-row .bl-pct { min-width: 42px; text-align: right; font-weight: 700; color: var(--text); }

.budget-legend span.dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

.budget-legend .dot.fix { background: var(--primary); }
.budget-legend .dot.var { background: var(--warn); }
.budget-legend .dot.save { background: var(--secondary); }
.budget-legend .dot.over { background: #FF5A5A; }
.budget-legend .dot.rest { background: var(--border); }
#budget-legend-rest { display: none; }
#budget-legend-rest.visible { display: flex; }

.budget-verdict {
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.9rem;
}

.budget-verdict.ok { background: rgba(45,232,176,0.1); border: 1px solid rgba(45,232,176,0.35); color: var(--secondary); }
.budget-verdict.warn { background: rgba(255,176,32,0.1); border: 1px solid rgba(255,176,32,0.35); color: var(--warn); }
.budget-verdict.bad { background: rgba(255,90,90,0.1); border: 1px solid rgba(255,90,90,0.35); color: #FF7A7A; }