/* ============================================================
   auslandskonto.site – Zentrale Stylesheet-Datei
   Einbindung: <link rel="stylesheet" href="/style.css">
   ============================================================ */

:root {
  --navy:      #1a2740;
  --gold:      #b8963e;
  --gold-light:#d4af6a;
  --cream:     #ede9e1;
  --text:      #1e1e1e;
  --muted:     #4a4a4a;
  --border:    #ddd8cf;
  --white:     #f5f1ea;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 17px; scroll-behavior: smooth; }
body {
  font-family: 'Source Serif 4', Georgia, serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.75;
}

/* ── HEADER ── */
header {
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
  padding: 0 1.5rem;
}
.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 0;
}
.logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--white);
  text-decoration: none;
  letter-spacing: 0.02em;
}
.logo span { color: var(--gold); }
nav { display: flex; gap: 1.8rem; }
nav a {
  font-family: 'Source Serif 4', serif;
  font-size: 0.88rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: color 0.2s;
}
nav a:hover { color: var(--gold-light); }

/* ── HERO ── */
.hero {
  background: var(--navy);
  padding: 4rem 1.5rem 5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 60px;
  background: var(--cream);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.hero-kicker {
  font-family: 'Source Serif 4', serif;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.2rem;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 5vw, 3rem);
  font-weight: 700;
  color: #ffffff;
  line-height: 1.2;
  max-width: 780px;
  margin: 0 auto 1.4rem;
}
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.80);
  max-width: 580px;
  margin: 0 auto;
}
.hero-cta {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Source Serif 4', serif;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.85rem 2.2rem;
  text-decoration: none;
  border-radius: 2px;
  margin-top: 1rem;
  transition: background 0.2s, transform 0.15s;
}
.hero-cta:hover { background: var(--gold-light); transform: translateY(-2px); }

/* ── ARTIKEL / SEITEN-INHALT ── */
.artikel {
  max-width: 780px;
  margin: 3.5rem auto 0;
  padding: 0 1.5rem;
}
.artikel p, .inhalt p {
  font-size: 1.05rem;
  margin-bottom: 1.3rem;
  color: var(--text);
}
.artikel strong, .inhalt strong { color: var(--navy); }
.artikel em { color: var(--muted); font-style: italic; }

.artikel h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--navy);
  margin: 3rem 0 1.2rem;
  line-height: 1.25;
}
.artikel h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--navy);
  margin: 2rem 0 0.8rem;
}

/* ── SECTION LABEL & TITLE ── */
.section-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  border-left: 3px solid var(--gold);
  padding-left: 0.8rem;
  margin-bottom: 1.2rem;
  display: block;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 2rem;
}

/* ── FACT BOX ── */
.fact-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 5px solid var(--navy);
  padding: 1.6rem 2rem;
  margin: 2rem 0;
}
.fact-box .fact-title {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.9rem;
}
.fact-box p {
  font-size: 0.97rem;
  margin-bottom: 0.7rem;
  color: var(--text);
}
.fact-box p:last-child { margin-bottom: 0; }

/* ── HIGHLIGHT (gold) ── */
.highlight {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 5px solid var(--gold);
  padding: 1.6rem 2rem;
  margin: 2rem 0;
}
.highlight p {
  font-size: 1.05rem;
  font-style: italic;
  color: var(--navy);
  margin-bottom: 0;
}

/* ── CARDS (Themen-Übersicht) ── */
.cards {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 1.5rem;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  padding: 1.8rem;
  text-decoration: none;
  color: var(--text);
  display: block;
  transition: transform 0.2s, box-shadow 0.2s;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(26,39,64,0.12);
}
.card-num {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.7rem;
}
.card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.18rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.35;
  margin-bottom: 0.7rem;
}
.card p {
  font-size: 0.93rem;
  color: var(--muted);
  line-height: 1.65;
}
.card-link {
  display: inline-block;
  margin-top: 1.1rem;
  font-size: 0.83rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s;
}
.card:hover .card-link { border-color: var(--gold); }

/* ── SCHRITT-FÜR-SCHRITT ── */
.schritte { margin: 2rem 0; }
.schritt {
  display: flex;
  gap: 1.5rem;
  padding: 1.5rem 0;
  border-top: 1px solid var(--border);
  align-items: flex-start;
}
.schritt:last-child { border-bottom: 1px solid var(--border); }
.schritt-num {
  flex-shrink: 0;
  width: 2.4rem;
  height: 2.4rem;
  background: var(--navy);
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.15rem;
}
.schritt-text h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
.schritt-text p {
  font-size: 0.97rem;
  color: var(--text);
  margin-bottom: 0;
}

/* ── VERGLEICH ── */
.vergleich {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  margin: 2rem 0;
}
.vergleich-item {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 1.4rem 1.6rem;
}
.vergleich-item .v-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}
.vergleich-item h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.vergleich-item p {
  font-size: 0.9rem;
  color: var(--muted);
  margin-bottom: 0;
}

/* ── VORTEIL BLOCKS (Artikel 02) ── */
.vorteil-block {
  margin: 3rem 0 0;
  border-top: 1px solid var(--border);
  padding-top: 2.5rem;
}
.vorteil-block:last-of-type {
  border-bottom: 1px solid var(--border);
  padding-bottom: 2.5rem;
}
.vorteil-header {
  display: flex;
  align-items: flex-start;
  gap: 1.4rem;
  margin-bottom: 1.3rem;
}
.vorteil-zahl {
  flex-shrink: 0;
  font-family: 'Playfair Display', serif;
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-top: -0.3rem;
}
.vorteil-header h2 {
  margin: 0;
  font-family: 'Playfair Display', serif;
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.25;
}
.vorteil-block p {
  font-size: 1.02rem;
  margin-bottom: 1.2rem;
  color: var(--text);
}
.vorteil-block strong { color: var(--navy); }

/* ── TRUST BANNER ── */
.trust { max-width: 1100px; margin: 4rem auto 0; padding: 0 1.5rem; }
.trust-inner {
  background: var(--navy);
  padding: 2.5rem;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 2rem;
  text-align: center;
}
.trust-item h3 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 0.4rem;
}
.trust-item p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.80);
  line-height: 1.5;
}

/* ── FAZIT (dunkler Abschlussblock) ── */
.fazit {
  background: var(--navy);
  padding: 2.5rem;
  margin: 3.5rem 0 0;
}
.fazit p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.88);
  margin-bottom: 1rem;
}
.fazit p:last-child { margin-bottom: 0; }
.fazit strong { color: var(--gold); }

/* ── HUMAN INVEST CTA ── */
.hi-cta {
  max-width: 780px;
  margin: 3rem auto 4rem;
  padding: 0 1.5rem;
}
.hi-cta-inner {
  border: 1px solid var(--border);
  border-left: 5px solid var(--gold);
  background: var(--white);
  padding: 2rem 2.2rem;
}
.hi-cta-inner p {
  font-size: 1rem;
  margin-bottom: 0.8rem;
  color: var(--text);
}
.hi-cta-inner p:last-child { margin-bottom: 0; }
.hi-cta-inner a {
  color: var(--gold);
  font-weight: 600;
  text-decoration: none;
  border-bottom: 1px solid var(--gold-light);
}
.hi-cta-inner a:hover { color: var(--navy); border-color: var(--navy); }

/* ── KONTAKT BOX (Impressum) ── */
.kontakt-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  padding: 2rem 2.2rem;
  margin-bottom: 2.5rem;
  text-align: center;
}
.kontakt-btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Source Serif 4', serif;
  font-weight: 700;
  font-size: 0.92rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.8rem 2rem;
  text-decoration: none;
  border-radius: 2px;
  margin-top: 0.5rem;
  transition: background 0.2s, transform 0.15s;
}
.kontakt-btn:hover { background: var(--gold-light); transform: translateY(-2px); }

/* ── ADRESSEN (Impressum) ── */
.adressen {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  margin-bottom: 3rem;
}
.adresse-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--navy);
  padding: 1.5rem 1.7rem;
}
.adresse-card .standort {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}
.adresse-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.8rem;
}
.adresse-card address {
  font-style: normal;
  font-size: 0.93rem;
  color: var(--text);
  line-height: 1.7;
}
.adresse-card .web {
  display: inline-block;
  margin-top: 0.8rem;
  font-size: 0.85rem;
  color: var(--gold);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s;
}
.adresse-card .web:hover { border-color: var(--gold); }

/* ── HINWEIS BOX ── */
.hinweis {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 5px solid var(--navy);
  padding: 1.6rem 2rem;
  margin-bottom: 3rem;
}
.hinweis p {
  font-size: 0.97rem;
  margin-bottom: 0.8rem;
  color: var(--text);
}
.hinweis p:last-child { margin-bottom: 0; }

/* ── ARTIKEL NAVIGATION ── */
.artikel-nav {
  max-width: 780px;
  margin: 3rem auto;
  padding: 0 1.5rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.artikel-nav a {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s;
}
.artikel-nav a:hover { border-color: var(--gold); }

/* ── DIVIDER ── */
.divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 3rem 0;
}

/* ── INHALT (allgemeine Seiten) ── */
.inhalt {
  max-width: 780px;
  margin: 3.5rem auto 0;
  padding: 0 1.5rem;
}

/* ── FOOTER ── */
footer {
  background: var(--navy);
  border-top: 3px solid var(--gold);
  padding: 2.5rem 1.5rem;
  margin-top: 4rem;
}
.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}
footer p { font-size: 0.83rem; color: rgba(255,255,255,0.65); }
footer a {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  margin-left: 1.5rem;
}
footer a:hover { color: var(--gold-light); }

/* ── RESPONSIVE ── */
@media (max-width: 700px) {
  nav { display: none; }
  .hero h1 { font-size: 1.8rem; }
  .hero-sub { font-size: 1rem; }
  .artikel p, .vorteil-block p, .inhalt p { margin-bottom: 1rem; line-height: 1.7; }
  .artikel h2 { font-size: 1.35rem; margin: 2.2rem 0 1rem; }
  .vorteil-header h2 { font-size: 1.25rem; }
  .vorteil-zahl { font-size: 2.2rem; }
  .vorteil-block { padding-top: 1.8rem; }
  .vorteil-header { gap: 1rem; margin-bottom: 1rem; }
  .trust-inner { grid-template-columns: 1fr; }
  .vergleich { grid-template-columns: 1fr; }
  .adressen { grid-template-columns: 1fr; }
  .fact-box, .highlight, .hinweis { padding: 1.2rem 1.3rem; }
  .schritt { gap: 1rem; padding: 1.2rem 0; }
  .schritt-num { width: 2rem; height: 2rem; font-size: 0.9rem; }
  .fazit { padding: 2rem 1.5rem; }
  .kontakt-box { padding: 1.5rem; }
  .hi-cta-inner { padding: 1.5rem; }
}