@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--navy:#12263b;--ink:#183047;--muted:#617284;--blue:#276c9c;--teal:#168b87;--pale:#f3f7fa;--line:#dce6ed;--white:#fff;--gold:#cda766}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 'DM Sans',Arial,sans-serif;color:var(--ink);background:#fff}h1,h2,h3,h4{font-family:Manrope,Arial,sans-serif;line-height:1.24;color:var(--navy)}h1{font-size:clamp(2.3rem,5vw,4.2rem);letter-spacing:-.05em;margin:15px 0 20px}h2{font-size:clamp(1.8rem,3vw,2.65rem);letter-spacing:-.035em;margin:12px 0 18px}h3{font-size:1.22rem}p{margin:0 0 18px}a{text-decoration:none;color:inherit}button,input,select,textarea{font:inherit}button{cursor:pointer}.wrap{width:min(1160px,calc(100% - 42px));margin:auto}.top{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);box-shadow:0 2px 18px #10253a12}.nav{min-height:78px;display:flex;align-items:center;gap:28px;justify-content:space-between}.logo{display:flex;align-items:center;gap:11px;font-family:Manrope;font-weight:800;letter-spacing:-.055em;font-size:22px;white-space:nowrap}.logo-mark{height:39px;width:39px;display:grid;place-items:center;border:2px solid var(--teal);border-radius:10px;color:var(--teal);font-weight:800;font-size:15px;letter-spacing:-.08em}.logo small{display:block;font-size:9px;letter-spacing:.22em;color:var(--muted);line-height:1.1}.links{display:flex;align-items:center;gap:17px;font-size:13px;font-weight:700}.links>a:not(.btn):hover,.foot a:hover{color:var(--teal)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:9px;padding:14px 22px;font-weight:700;background:var(--teal);color:white;line-height:1.25;transition:.2s}.btn:hover{background:#0d706e;transform:translateY(-1px)}.btn.alt{background:white;color:var(--navy);border:1px solid var(--line)}.btn.dark{background:var(--navy)}.btn.small{padding:12px 16px;font-size:13px}.hamb{display:none;border:1px solid var(--line);border-radius:8px;padding:8px 13px;background:white}.hero{background:linear-gradient(118deg,#112a43 0%,#1c4760 62%,#1e6b73 100%);color:white;padding:100px 0 90px;overflow:hidden;position:relative}.hero:after{content:'';position:absolute;width:480px;height:480px;border:1px solid #ffffff23;border-radius:50%;right:-120px;top:-80px;box-shadow:0 0 0 70px #ffffff08,0 0 0 140px #ffffff06}.hero .wrap{position:relative;z-index:1}.hero h1,.hero h2{color:white;max-width:830px}.hero p{font-size:18px;max-width:690px;color:#d9e8f0}.eyebrow{text-transform:uppercase;letter-spacing:.19em;font-size:11px;font-weight:800;color:var(--teal)}.hero .eyebrow{color:#90e1d7}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0}.hero .btn.alt{background:transparent;color:white;border-color:#ffffff75}.hero-points{display:flex;flex-wrap:wrap;gap:22px;color:#d7e6ed;font-size:13px;margin-top:28px}.section{padding:82px 0}.section.soft{background:var(--pale)}.section.slim{padding:55px 0}.lead{font-size:18px;color:var(--muted);max-width:800px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{background:white;border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:0 12px 35px #17345108}.card h3{margin:12px 0}.card p{color:var(--muted)}.icon{width:44px;height:44px;border-radius:11px;background:#e7f5f3;display:grid;place-items:center;color:var(--teal);font-weight:800;font-size:22px}.text-link{font-weight:800;color:var(--teal)}.tag{display:inline-block;background:#e7f5f3;color:#176f6d;font-weight:800;font-size:11px;letter-spacing:.07em;border-radius:20px;padding:5px 11px}.split{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.visual{min-height:340px;border-radius:20px;background:linear-gradient(140deg,#c7e6e3,#dce9f2 55%,#8eb3c5);display:flex;align-items:end;padding:32px;position:relative;overflow:hidden}.visual:before{content:'';position:absolute;inset:12% 18% 0;background:linear-gradient(135deg,#ffffffa0,#ffffff22);clip-path:polygon(50% 0,100% 38%,100% 100%,0 100%,0 38%);border:2px solid #ffffff99}.visual .floating{position:relative;background:white;padding:21px;border-radius:12px;box-shadow:0 12px 35px #14344b24;max-width:290px}.checklist{list-style:none;padding:0}.checklist li{padding:9px 0 9px 30px;position:relative}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--teal);font-weight:800}.steps{counter-reset:steps}.step-num{color:var(--teal);font:800 34px Manrope}.calc{display:grid;grid-template-columns:1.03fr .97fr;gap:0;border-radius:20px;overflow:hidden;border:1px solid var(--line);background:white;box-shadow:0 22px 60px #12263b0b}.calc-input{padding:38px}.calc-output{background:var(--navy);color:white;padding:38px}.calc-output h3{color:white}.calc-output .muted{color:#c2d2dc}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.field{display:flex;flex-direction:column;gap:6px;margin-bottom:15px}.field label{font-size:13px;font-weight:800;color:var(--navy)}.field input,.field select,.field textarea{border:1px solid #cbd9e3;border-radius:9px;padding:12px 13px;min-height:47px;width:100%;background:white;color:var(--ink)}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid #81ccc4;outline-offset:1px}.result-big{font:800 clamp(32px,4vw,49px) Manrope;letter-spacing:-.04em;color:white;margin:4px 0 25px}.result-row{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #ffffff24;padding:12px 0;font-size:14px}.result-row strong{white-space:nowrap}.notice{background:#eaf4f7;border-left:4px solid var(--teal);padding:15px 18px;border-radius:8px;font-size:13px;color:#385369;margin-top:22px}.calc-output .notice{background:#ffffff14;color:#d9e8f0;border-color:#72d4ca}.faq details{background:white;border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:18px 22px}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq details p{margin:14px 0 0;color:var(--muted)}.cta{background:linear-gradient(110deg,#15344f,#206c73);padding:60px;border-radius:22px;color:white}.cta h2{color:white}.cta p{color:#d9e8f0}.foot{background:#102438;color:#d1dfe8;padding:58px 0 25px}.foot h4{color:white}.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:32px}.foot a{display:block;margin:9px 0;font-size:13px}.foot .logo{color:white}.foot .logo small{color:#bed0d9}.fine{font-size:12px;color:#a9bfca;border-top:1px solid #ffffff20;padding-top:18px;margin-top:40px}.form-shell{max-width:890px;margin:auto;background:white;border:1px solid var(--line);border-radius:18px;padding:35px;box-shadow:0 15px 50px #18304710}.progress{display:flex;gap:8px;margin:15px 0 30px}.progress span{height:7px;background:#e2eaf0;flex:1;border-radius:9px}.progress span.on{background:var(--teal)}.form-step{display:none}.form-step.active{display:block}.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:25px}.form-actions button{min-width:120px}.form-help{color:var(--muted);font-size:13px}.hidden{display:none!important}.summary{background:var(--pale);border-radius:12px;padding:20px;margin:15px 0}.summary div{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding:8px 0}.summary strong{word-break:break-word;text-align:right}.form-message{padding:15px;border-radius:10px;background:#e6f6ed;color:#176343;margin-top:15px}.error{background:#fff1ee;color:#a83223}.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.choice-grid .card:hover{border-color:var(--teal)}.cookie{position:fixed;bottom:20px;left:20px;right:20px;z-index:90;max-width:900px;margin:auto;background:white;border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:0 15px 60px #0c25384a;display:flex;gap:20px;align-items:center;justify-content:space-between}.cookie p{font-size:13px;margin:5px 0}.cookie .actions{display:flex;gap:8px;flex-shrink:0}.mini{font-size:12px;color:var(--muted)}@media(max-width:1080px){.hamb{display:block}.links{display:none;position:absolute;top:77px;left:0;right:0;background:white;flex-direction:column;align-items:stretch;padding:22px;box-shadow:0 12px 25px #12263b22}.links.open{display:flex}.links a{padding:8px}.grid.four{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.hero{padding:68px 0}.section{padding:58px 0}.grid,.grid.two,.grid.four,.split,.calc,.foot-grid,.choice-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.calc-input,.calc-output,.form-shell{padding:23px}.cta{padding:30px}.cookie{flex-direction:column;align-items:stretch}.cookie .actions{flex-wrap:wrap}.visual{min-height:250px}.hero-points{gap:10px}.nav{min-height:72px}}

/* FCS Finanz – visuelle Demo 2 */
.hero{position:relative;overflow:hidden}.hero>.wrap{position:relative;z-index:1}.hero.with-visual>.wrap{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(280px,.9fr);column-gap:38px;align-items:center}.hero.with-visual .hero-art{grid-column:2;grid-row:1 / span 5;width:100%;max-width:560px;justify-self:end;filter:drop-shadow(0 22px 32px rgba(0,0,0,.14))}.hero.with-visual .eyebrow,.hero.with-visual h1,.hero.with-visual p,.hero.with-visual .hero-actions,.hero.with-visual .hero-points{grid-column:1}.hero.with-visual h1{margin-top:12px}.hero.with-visual .hero-points{display:flex;flex-wrap:wrap;gap:12px}.page-visual{max-width:1100px;margin:0 auto;padding:28px 20px 10px}.page-visual img{width:100%;max-height:260px;object-fit:contain}.fcs-wa-button{position:fixed;right:22px;bottom:24px;width:64px;height:64px;border:0;border-radius:50%;background:#25d366;color:white;box-shadow:0 8px 25px #0004;cursor:pointer;z-index:9999;display:grid;place-items:center}.fcs-wa-button svg{width:34px;height:34px;fill:white}.fcs-wa-panel{position:fixed;right:22px;bottom:101px;width:min(345px,calc(100vw - 44px));background:#fff;color:#20384c;box-shadow:0 12px 40px #0004;border-radius:15px;overflow:hidden;z-index:9999;display:none}.fcs-wa-panel.open{display:block}.fcs-wa-head{background:#0c6944;color:white;padding:18px 20px;font-weight:700}.fcs-wa-body{padding:20px}.fcs-wa-body p{line-height:1.55;margin:0 0 14px}.fcs-wa-action{width:100%;padding:14px;border:0;border-radius:8px;background:#25d366;color:#063c27;font-weight:700;cursor:pointer}.fcs-wa-note{font-size:12px;color:#667;margin-top:12px!important}@media(max-width:800px){.hero.with-visual>.wrap{display:flex;flex-direction:column;align-items:stretch}.hero.with-visual .hero-art{max-width:430px;margin:25px auto 0;order:5}.fcs-wa-button{width:58px;height:58px;right:15px;bottom:16px}.fcs-wa-panel{right:15px;bottom:84px}}

/* FCS Finanz V3 – navy / gold / white design, editorial photo layouts */
:root{--navy:#0d2e57;--ink:#183557;--muted:#58697b;--blue:#225b9a;--teal:#bc8c31;--pale:#f4f6f8;--line:#e0e5eb;--gold:#d4a33c}
body{background:#fff;color:var(--ink)}h1,h2,h3,h4{color:var(--navy)}.top{box-shadow:0 2px 15px #102a4510;border-bottom:1px solid #e7ebf0}.logo-mark{border-color:var(--gold)!important;color:var(--navy)!important}.eyebrow{color:#a87924!important}.btn:not(.alt),.fcs-wa-action:not(.alt){background:linear-gradient(135deg,#e7ba5d,#c58b26)!important;color:#172e49!important;border-color:#c58b26!important;font-weight:800}.btn.alt{border-color:#a8b9cb!important}.btn:hover{filter:brightness(.97)}
.hero.with-visual{background:linear-gradient(105deg,#f4f7fa 0%,#fff 53%,#e7eef6 100%);padding-top:42px;padding-bottom:48px}.hero.with-visual>.wrap{min-height:450px;grid-template-columns:minmax(0,1.05fr) minmax(340px,.95fr);gap:42px}.hero.with-visual .hero-art{width:100%;height:410px;max-width:none;object-fit:cover;object-position:center;border-radius:12px;filter:none;box-shadow:0 22px 46px #0c2e5624}.hero.with-visual h1{font-size:clamp(2.3rem,4vw,3.8rem);line-height:1.12}.hero-points{font-size:.9rem}.section{padding-top:58px!important;padding-bottom:58px!important}.section:nth-of-type(even){background:#f5f7f9}.card{border-color:#e1e6ec!important;box-shadow:0 12px 28px #12365a0a}.icon{color:#b88427!important}.service-photo{display:block;width:calc(100% + 42px);height:155px;object-fit:cover;margin:-21px -21px 22px;border-radius:12px 12px 0 0}.section-overview .grid .card{overflow:hidden}.hero-index{background:linear-gradient(115deg,#eaf0f7,#fff)!important}.hero-privatkredit{background:linear-gradient(115deg,#f9f9f8,#eef4fa)!important}.hero-immobilienfinanzierung{background:linear-gradient(115deg,#eff4f9,#fff)!important}.hero-gewerbefinanzierung{background:linear-gradient(115deg,#0d2e57,#174778)!important}.hero-gewerbefinanzierung h1,.hero-gewerbefinanzierung p,.hero-gewerbefinanzierung .hero-points{color:white!important}.hero-gewerbefinanzierung .eyebrow{color:#f0c86d!important}.hero-gewerbefinanzierung .btn.alt{color:white!important}.hero-ueber-uns{background:linear-gradient(115deg,#f8f8f6,#e9f0f6)!important}.hero-gewerbefinanzierung .hero-art{border:3px solid #ffffff44}.section-property .card{border-top:3px solid #d4a33c}.section-business .card{border-left:3px solid #d4a33c}.calculator,.calc-box,.rechner,.calc{border-color:#d9e0e9!important}input:focus,select:focus,textarea:focus{outline-color:#c79635!important}.fcs-wa-head{background:#0d2e57}.fcs-wa-button{background:#25d366}.fcs-wa-action{background:#25d366!important;color:#093d29!important}
@media(max-width:850px){.hero.with-visual>.wrap{display:flex;min-height:0}.hero.with-visual .hero-art{height:265px;width:100%;max-width:100%}.hero.with-visual{padding:26px 0}.hero.with-visual h1{font-size:clamp(2rem,8vw,3rem)}.section{padding-top:42px!important;padding-bottom:42px!important}}

/* V4: contrast-first, legible split hero and restrained navy/gold palette */
:root{--navy:#0c2c57;--ink:#102e53;--muted:#465d75;--blue:#2364a4;--teal:#2467a6;--pale:#f3f5f8;--line:#d7e0ea;--gold:#d7a43b}
body{font-family:Arial,'Helvetica Neue',sans-serif;font-size:16px;color:#102e53}
h1,h2,h3,h4{font-family:Arial,'Helvetica Neue',sans-serif;letter-spacing:-.025em}
.hero.with-visual,.hero-index,.hero-privatkredit,.hero-immobilienfinanzierung,.hero-ueber-uns{background:#f5f7fa!important;color:#102e53!important}
.hero.with-visual .eyebrow{color:#986814!important}
.hero.with-visual h1,.hero.with-visual h2{color:#0c2c57!important;text-shadow:none!important}
.hero.with-visual p,.hero.with-visual .hero-points{color:#263d58!important;text-shadow:none!important;font-weight:500}
.hero.with-visual .hero-art{width:100%;max-width:530px;height:370px;object-fit:cover;border-radius:18px;box-shadow:0 16px 38px #102d5029;image-rendering:auto}
.hero.with-visual .hero-points span{background:#fff;border:1px solid #dce4ee;padding:7px 11px;border-radius:30px}
.hero.with-visual .btn.alt{color:#0c2c57!important;border-color:#b9c9da;background:white!important}
.hero-gewerbefinanzierung{background:#0c2c57!important}
.hero-gewerbefinanzierung h1,.hero-gewerbefinanzierung h2,.hero-gewerbefinanzierung p,.hero-gewerbefinanzierung .hero-points{color:#fff!important}
.hero-gewerbefinanzierung .hero-points span{background:#183e70;border-color:#527296;color:white}
.hero-gewerbefinanzierung .eyebrow{color:#e5bd68!important}
.hero-gewerbefinanzierung .btn.alt{color:#fff!important;background:transparent!important}
.btn{background:#d7a43b!important;color:#0a2545!important;border-radius:8px;font-weight:800}
.btn:hover{background:#e6b956!important}
.btn.alt{background:white!important;color:#0c2c57!important;border:1px solid #aabed2}
.btn.dark{background:#0c2c57!important;color:white!important}
.logo-mark{border-color:#d7a43b;color:#0c2c57}
.icon,.tag{background:#fdf3df!important;color:#986814!important}
.calc-output{background:#0c2c57}.result-big{color:#fff}
.calc-output .notice{color:#fff}.card p,.lead{color:#465d75}
.eyebrow,.text-link{color:#a4751b}
.cta{background:#0c2c57}
@media(max-width:850px){.hero.with-visual .hero-art{height:auto;aspect-ratio:4/3;max-width:100%}.hero.with-visual{padding:35px 0}.hero.with-visual p{font-size:17px}}

/* V4.1: Keep all three financing highlights on one line on desktop. */
@media (min-width: 851px) {
  .hero.with-visual .hero-points {
    grid-column: 1 / -1 !important;
    grid-row: 6 !important;
    display: flex !important;
    flex-wrap: nowrap !important;
    align-items: center;
    justify-content: flex-start;
    gap: 12px !important;
    width: 100%;
    margin-top: 2px;
  }
  .hero.with-visual .hero-points span {
    white-space: nowrap;
    flex: 0 0 auto;
  }
}
@media (max-width: 850px) {
  .hero.with-visual .hero-points {
    display: flex !important;
    flex-wrap: wrap !important;
    gap: 8px !important;
  }
  .hero.with-visual .hero-points span {white-space: nowrap;}
}


/* FCS Finanz V9 – layout and contrast correction */
:root{--navy:#0b2c56;--ink:#122d4c;--muted:#3c526a;--gold:#d3a23c}
body{color:#122d4c;background:#fff}
.hero.with-visual{padding:42px 0 30px!important}
.hero.with-visual>.wrap{display:grid!important;grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important;gap:18px 40px!important;align-items:center;min-height:0!important}
.hero.with-visual .eyebrow{grid-column:1;grid-row:1}
.hero.with-visual h1{grid-column:1;grid-row:2;margin:0!important;line-height:1.13;font-size:clamp(2.1rem,3.7vw,3.5rem)}
.hero.with-visual p{grid-column:1;grid-row:3;margin:0!important;color:#304760!important;line-height:1.65}
.hero.with-visual .hero-actions{grid-column:1;grid-row:4;display:flex;flex-wrap:wrap;gap:12px;margin:12px 0 0}
.hero.with-visual .hero-art{grid-column:2!important;grid-row:1 / 5!important;display:block;width:100%!important;max-width:none!important;height:360px!important;object-fit:cover!important;object-position:center 40%;border-radius:15px;box-shadow:0 12px 28px #132d4c1c}
.hero.with-visual .hero-points{grid-column:1 / -1!important;grid-row:5!important;display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:12px!important;width:100%;margin-top:16px}
.hero.with-visual .hero-points span{display:flex;align-items:center;justify-content:center;text-align:center;white-space:nowrap!important;min-width:0;padding:12px 8px!important;font-size:clamp(11px,1.03vw,14px);font-weight:700;background:#eef3f8!important;color:#123458!important;border:1px solid #dce5ee!important;border-radius:9px!important}
.hero-gewerbefinanzierung{background:#f4f7fa!important}
.hero-gewerbefinanzierung h1,.hero-gewerbefinanzierung h2,.hero-gewerbefinanzierung p{color:#0b2c56!important}
.hero-gewerbefinanzierung .eyebrow{color:#94691c!important}
.hero-gewerbefinanzierung .btn.alt{color:#0b2c56!important;background:white!important}
.section{padding:46px 0!important}
.section.slim{padding:30px 0!important}
.section h2{margin:6px 0 12px!important;line-height:1.22}
.section .lead{margin-bottom:24px!important;color:#3e536b!important}
.section .grid{gap:20px}
.section .card{min-width:0}
#leistungen .grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch;gap:22px}
#leistungen .card{display:flex;flex-direction:column;overflow:hidden;min-width:0;padding:20px!important}
#leistungen .service-photo{display:block;flex:none;width:calc(100% + 40px)!important;height:205px!important;aspect-ratio:3/2!important;object-fit:cover!important;object-position:center 42%;margin:-20px -20px 18px!important;border-radius:12px 12px 0 0!important}
#leistungen .card h3{min-height:2.5em;margin:10px 0 5px}
#leistungen .card p{flex:1;color:#42566b!important}
#leistungen .card .text-link{margin-top:auto;font-weight:800}
.calc-output{background:#eaf0f6!important;color:#112f51!important}
.calc-output h3,.calc-output p,.calc-output span,.calc-output strong,.calc-output .notice,.calc-output .result-big{color:#102e52!important}
.calc-output .notice{border-left:3px solid #d3a23c;padding-left:12px;background:#fff;border-radius:3px}
.cta{background:#0c2e57!important;color:#fff!important}
.cta h2,.cta p{color:#fff!important}
.card p,.lead,.notice{color:#40556d}
@media(max-width:850px){
.hero.with-visual>.wrap{display:flex!important;flex-direction:column!important;align-items:stretch!important;gap:14px!important}
.hero.with-visual .hero-art{order:4;width:100%!important;height:auto!important;aspect-ratio:3/2!important;max-width:none!important}
.hero.with-visual .hero-points{order:5;grid-template-columns:1fr!important;margin-top:4px}
.hero.with-visual .hero-points span{font-size:14px;white-space:normal!important}
#leistungen .grid{grid-template-columns:1fr}
#leistungen .service-photo{height:210px!important}
.section{padding:34px 0!important}
}
@media(min-width:851px) and (max-width:1050px){.hero.with-visual .hero-points span{font-size:11px;letter-spacing:-.02em}}
@media print{.top{position:static!important}.section{break-inside:auto}.hero.with-visual .hero-points{grid-template-columns:repeat(3,minmax(0,1fr))!important} .hero.with-visual .hero-points span{font-size:10px}}