/* ══════════════════════════════════════════════════════════
   MeineSchutz.com — Global Stylesheet
   Swiss Insurance Comparison Platform
   ══════════════════════════════════════════════════════════ */
:root {
  --clr-primary: #003366;
  --clr-primary-light: #004d99;
  --clr-accent: #00a86b;
  --clr-accent-hover: #008f5a;
  --clr-bg: #ffffff;
  --clr-bg-alt: #f5f7fa;
  --clr-bg-dark: #0a1628;
  --clr-text: #1a1a2e;
  --clr-text-light: #5a6275;
  --clr-border: #e2e6ed;
  --clr-gold: #f5a623;
  --clr-red: #e74c3c;
  --clr-badge-bg: #eaf7f0;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 2px 12px rgba(0,0,0,.06);
  --shadow-lg: 0 8px 32px rgba(0,0,0,.10);
  --max-w: 1200px;
  --header-h: 72px;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font); overflow-x: hidden; color: var(--clr-text); background: var(--clr-bg); line-height: 1.6; font-size: 16px; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--clr-primary); text-decoration: none; transition: color .2s; }
a:hover { color: var(--clr-accent); }
ul, ol { list-style: none; }
input, select, textarea, button { font-family: inherit; font-size: inherit; }

/* ── Container ── */
.container { width: 100%; max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 32px; border-radius: var(--radius-sm); font-weight: 600; font-size: 16px; border: none; cursor: pointer; transition: all .2s; text-decoration: none; }
.btn-primary { background: var(--clr-accent); color: #fff; }
.btn-primary:hover { background: var(--clr-accent-hover); color: #fff; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(0,168,107,.3); }
.btn-outline { background: transparent; color: var(--clr-primary); border: 2px solid var(--clr-primary); }
.btn-outline:hover { background: var(--clr-primary); color: #fff; }
.btn-white { background: #fff; color: var(--clr-primary); }
.btn-white:hover { background: #f0f0f0; color: var(--clr-primary); }
.btn-sm { padding: 10px 20px; font-size: 14px; }
.btn-lg { padding: 18px 40px; font-size: 18px; }

/* ── Header ── */
.site-header { position: sticky; top: 0; z-index: 100; background: #fff; border-bottom: 1px solid var(--clr-border); height: var(--header-h); }
.site-header .container { display: flex; align-items: center; height: 100%; overflow: hidden; }
.site-logo { font-size: 22px; font-weight: 800; color: var(--clr-primary); display: flex; align-items: center; gap: 8px; }
.site-logo span { color: var(--clr-accent); }
.nav-main { display: flex; align-items: center; gap: 6px; margin-left: 24px; flex-wrap: nowrap; }
.nav-main a { font-size: 13px; font-weight: 500; color: var(--clr-text); padding: 4px 6px; border-bottom: 2px solid transparent; transition: all .2s; white-space: nowrap; }
.nav-main a:hover, .nav-main a.active { color: var(--clr-primary); border-bottom-color: var(--clr-accent); }
.header-right { margin-left: auto; display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.header-phone { font-weight: 600; font-size: 13px; color: var(--clr-primary); display: flex; align-items: center; gap: 6px; white-space: nowrap; }
.header__phone { font-weight: 600; font-size: 15px; color: var(--clr-primary); display: flex; align-items: center; gap: 6px; white-space: nowrap; text-decoration: none; }
.header-phone svg { width: 18px; height: 18px; }
.lang-switch { display: flex; gap: 4px; }
.lang-switch button { background: none; border: 1px solid var(--clr-border); padding: 4px 10px; border-radius: 4px; font-size: 13px; font-weight: 600; cursor: pointer; color: var(--clr-text-light); transition: all .2s; }
.lang-switch button.active, .lang-switch button:hover { background: var(--clr-primary); color: #fff; border-color: var(--clr-primary); }
.mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.mobile-toggle svg { width: 28px; height: 28px; color: var(--clr-primary); }

/* ── Hero ── */
.hero { padding: 80px 0 60px; background: linear-gradient(135deg, #f0f4f8 0%, #e8f4f0 100%); }
.hero h1 { font-size: 48px; font-weight: 800; line-height: 1.15; color: var(--clr-primary); max-width: 700px; }
.hero p { font-size: 20px; color: var(--clr-text-light); max-width: 600px; margin-top: 16px; line-height: 1.5; }
.hero-actions { display: flex; gap: 16px; margin-top: 32px; flex-wrap: wrap; }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.hero-img { border-radius: var(--radius); overflow: hidden; }

/* ── Trust Bar ── */
.trust-bar { padding: 32px 0; background: #fff; border-bottom: 1px solid var(--clr-border); }
.trust-items { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 600; color: var(--clr-text); }
.trust-item svg { width: 24px; height: 24px; color: var(--clr-accent); flex-shrink: 0; }

/* ── Sections ── */
.section { padding: 80px 0; }
.section-alt { background: var(--clr-bg-alt); }
.section-dark { background: var(--clr-bg-dark); color: #fff; }
.section-title { font-size: 36px; font-weight: 800; color: var(--clr-primary); text-align: center; margin-bottom: 16px; }
.section-dark .section-title { color: #fff; }
.section-subtitle { font-size: 18px; color: var(--clr-text-light); text-align: center; max-width: 640px; margin: 0 auto 48px; }
.section-dark .section-subtitle { color: rgba(255,255,255,.7); }

/* ── Cards ── */
.card { background: #fff; border-radius: var(--radius); border: 1px solid var(--clr-border); padding: 32px; transition: all .2s; }
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.card-icon { width: 56px; height: 56px; border-radius: 12px; background: var(--clr-bg-alt); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.card-icon svg { width: 28px; height: 28px; color: var(--clr-accent); }
.card h3 { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.card p { color: var(--clr-text-light); font-size: 15px; }

/* ── Grid layouts ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; }

/* ── Logo Carousel ── */
.logo-grid { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 32px; padding: 24px 0; }
.logo-grid img { height: 44px; width: auto; object-fit: contain; filter: grayscale(40%); opacity: .75; transition: all .3s; }
.logo-grid img:hover { filter: grayscale(0); opacity: 1; }

/* ── Steps ── */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; counter-reset: step; }
.step { text-align: center; padding: 32px 24px; position: relative; }
.step::before { counter-increment: step; content: counter(step); display: flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 50%; background: var(--clr-accent); color: #fff; font-weight: 800; font-size: 20px; margin: 0 auto 16px; }
.step h3 { font-size: 18px; font-weight: 700; margin-bottom: 8px; }
.step p { color: var(--clr-text-light); font-size: 15px; }

/* ── Testimonials ── */
.testimonials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--clr-border); }
.testimonial-stars { color: var(--clr-gold); font-size: 18px; margin-bottom: 12px; }
.testimonial p { font-size: 15px; color: var(--clr-text); line-height: 1.6; margin-bottom: 16px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--clr-bg-alt); display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--clr-primary); font-size: 16px; }
.testimonial-name { font-weight: 600; font-size: 14px; }
.testimonial-loc { font-size: 13px; color: var(--clr-text-light); }

/* ── Comparison Table ── */
.cmp-table { width: 100%; border-collapse: separate; border-spacing: 0; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--clr-border); }
.cmp-table th, .cmp-table td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--clr-border); font-size: 15px; }
.cmp-table thead th { background: var(--clr-primary); color: #fff; font-weight: 600; }
.cmp-table tbody tr:last-child td { border-bottom: none; }
.cmp-table tbody tr:hover { background: #f8fafb; }
.cmp-table .logo-cell { display: flex; align-items: center; gap: 12px; }
.cmp-table .logo-cell img { height: 28px; width: auto; }
.cmp-badge { display: inline-block; padding: 4px 12px; border-radius: 20px; font-size: 12px; font-weight: 700; }
.cmp-badge-top { background: var(--clr-badge-bg); color: var(--clr-accent); }
.cmp-badge-gold { background: #fff8e6; color: #d4900a; }
.cmp-row-highlight { background: #f0faf5 !important; border-left: 3px solid var(--clr-accent); }
.cmp-stars { color: var(--clr-gold); letter-spacing: 2px; }
.cmp-price { font-weight: 700; font-size: 18px; color: var(--clr-primary); }

/* ── Forms ── */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; color: var(--clr-text); }
.form-input, .form-select { width: 100%; padding: 14px 16px; border: 1px solid var(--clr-border); border-radius: var(--radius-sm); font-size: 15px; color: var(--clr-text); background: #fff; transition: border-color .2s; }
.form-input:focus, .form-select:focus { outline: none; border-color: var(--clr-accent); box-shadow: 0 0 0 3px rgba(0,168,107,.12); }
.form-input::placeholder { color: #b0b8c4; }
.form-hint { font-size: 13px; color: var(--clr-text-light); margin-top: 4px; }
.form-error { color: var(--clr-red); font-size: 13px; margin-top: 4px; display: none; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ── FAQ Accordion ── */
.faq-item { border: 1px solid var(--clr-border); border-radius: var(--radius-sm); margin-bottom: 8px; overflow: hidden; }
.faq-q { display: flex; align-items: center; justify-content: space-between; padding: 18px 20px; font-weight: 600; font-size: 16px; cursor: pointer; background: #fff; transition: background .2s; }
.faq-q:hover { background: var(--clr-bg-alt); }
.faq-q svg { width: 20px; height: 20px; transition: transform .3s; flex-shrink: 0; }
.faq-item.open .faq-q svg { transform: rotate(180deg); }
.faq-a { padding: 0 20px; max-height: 0; overflow: hidden; transition: all .3s ease; }
.faq-item.open .faq-a { padding: 0 20px 18px; max-height: 500px; }
.faq-a p { color: var(--clr-text-light); font-size: 15px; line-height: 1.6; }

/* ── Footer ── */
.site-footer { background: var(--clr-bg-dark); color: rgba(255,255,255,.8); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand { font-size: 22px; font-weight: 800; color: #fff; margin-bottom: 12px; }
.footer-brand span { color: var(--clr-accent); }
.footer-desc { font-size: 14px; line-height: 1.6; margin-bottom: 16px; }
.footer-finma { display: inline-flex; align-items: center; gap: 8px; padding: 8px 16px; background: rgba(255,255,255,.08); border-radius: 6px; font-size: 13px; font-weight: 600; color: var(--clr-accent); }
.footer-col h4 { font-size: 15px; font-weight: 700; color: #fff; margin-bottom: 16px; }
.footer-col a { display: block; font-size: 14px; color: rgba(255,255,255,.65); margin-bottom: 10px; transition: color .2s; }
.footer-col a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,.5); }
.footer-logos { display: flex; align-items: center; gap: 16px; }
.footer-logos img { height: 24px; filter: brightness(0) invert(1); opacity: .4; }

/* ── Cookie Banner ── */
.cookie-banner { position: fixed; bottom: 0; left: 0; right: 0; background: var(--clr-bg-dark); color: #fff; padding: 20px; z-index: 200; display: none; border-top: 1px solid rgba(255,255,255,.1); }
.cookie-banner.show { display: block; }
.cookie-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.cookie-inner p { flex: 1; font-size: 14px; color: rgba(255,255,255,.8); min-width: 280px; }
.cookie-inner a { color: var(--clr-accent); }
.cookie-btns { display: flex; gap: 12px; }

/* ── Page Header (inner pages) ── */
.page-header { padding: 48px 0; background: linear-gradient(135deg, #f0f4f8 0%, #e8f4f0 100%); border-bottom: 1px solid var(--clr-border); }
.page-header h1 { font-size: 36px; font-weight: 800; color: var(--clr-primary); }
.page-header p { font-size: 18px; color: var(--clr-text-light); margin-top: 8px; max-width: 640px; }
.breadcrumb { display: flex; gap: 8px; font-size: 14px; color: var(--clr-text-light); margin-bottom: 12px; }
.breadcrumb a { color: var(--clr-text-light); }
.breadcrumb a:hover { color: var(--clr-primary); }

/* ── Category Cards ── */
.cat-card { display: flex; flex-direction: column; align-items: flex-start; padding: 32px; border-radius: var(--radius); background: #fff; border: 1px solid var(--clr-border); transition: all .3s; }
.cat-card:hover { border-color: var(--clr-accent); box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.cat-card h3 { font-size: 20px; margin: 12px 0 8px; }
.cat-card p { color: var(--clr-text-light); font-size: 14px; flex: 1; margin-bottom: 16px; }

/* ── Result Card ── */
.result-card { border: 2px solid var(--clr-border); border-radius: var(--radius); padding: 24px; display: flex; align-items: center; gap: 24px; margin-bottom: 16px; background: #fff; transition: all .2s; }
.result-card:hover { border-color: var(--clr-accent); }
.result-card.recommended { border-color: var(--clr-accent); background: #f0faf5; }
.result-card .rank { font-size: 28px; font-weight: 800; color: var(--clr-primary); min-width: 40px; text-align: center; }
.result-card .rc-logo { width: 100px; height: 50px; object-fit: contain; }
.result-card .rc-info { flex: 1; }
.result-card .rc-name { font-size: 18px; font-weight: 700; }
.result-card .rc-detail { font-size: 14px; color: var(--clr-text-light); margin-top: 4px; }
.result-card .rc-rating { display: flex; align-items: center; gap: 8px; margin-top: 6px; }
.result-card .rc-price { text-align: right; }
.result-card .rc-price .price { font-size: 24px; font-weight: 800; color: var(--clr-primary); }
.result-card .rc-price .per { font-size: 13px; color: var(--clr-text-light); }

/* ── Blog / Ratgeber ── */
.article-card { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--clr-border); background: #fff; transition: all .2s; }
.article-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.article-card .ac-img { height: 180px; background: var(--clr-bg-alt); display: flex; align-items: center; justify-content: center; font-size: 48px; }
.article-card .ac-body { padding: 24px; }
.article-card .ac-tag { font-size: 12px; font-weight: 700; color: var(--clr-accent); text-transform: uppercase; margin-bottom: 8px; }
.article-card h3 { font-size: 18px; margin-bottom: 8px; }
.article-card p { font-size: 14px; color: var(--clr-text-light); line-height: 1.5; }

/* ── Legal Pages ── */
.legal-content { max-width: 800px; margin: 0 auto; padding: 48px 24px; }
.legal-content h2 { font-size: 24px; font-weight: 700; margin: 32px 0 12px; color: var(--clr-primary); }
.legal-content h3 { font-size: 18px; font-weight: 600; margin: 24px 0 8px; }
.legal-content p { color: var(--clr-text-light); line-height: 1.7; margin-bottom: 12px; }
.legal-content ul { padding-left: 24px; margin-bottom: 12px; }
.legal-content ul li { color: var(--clr-text-light); line-height: 1.7; margin-bottom: 6px; list-style: disc; }
.legal-content a { color: var(--clr-accent); }

/* ── PDF Viewer ── */
.pdf-viewer { width: 100%; height: 600px; border: 1px solid var(--clr-border); border-radius: var(--radius); }

/* ── Responsive ── */
@media (max-width: 1500px) {
  .nav-main { display: none; }
  .mobile-toggle { display: block; }
  .nav-main.open { display: flex; flex-direction: column; position: absolute; top: var(--header-h); left: 0; right: 0; background: #fff; padding: 16px 24px; border-bottom: 1px solid var(--clr-border); box-shadow: var(--shadow); gap: 8px; z-index: 101; }
  .nav-main.open a { font-size: 15px; padding: 10px 0; }
  .header-phone span { display: none; }
  .header-phone svg { width: 22px; height: 22px; }
}
@media (max-width: 1024px) {
  .hero h1 { font-size: 36px; }
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .grid-3, .steps, .testimonials { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  :root { --header-h: 60px; }
  .nav-main { display: none; }
  .mobile-toggle { display: block; }
  .nav-main.open { display: flex; flex-direction: column; position: absolute; top: var(--header-h); left: 0; right: 0; background: #fff; padding: 16px 24px; border-bottom: 1px solid var(--clr-border); box-shadow: var(--shadow); gap: 12px; }
  .hero { padding: 48px 0 40px; }
  .hero h1 { font-size: 28px; }
  .hero p { font-size: 16px; }
  .section { padding: 48px 0; }
  .section-title { font-size: 26px; }
  .grid-2, .grid-3, .grid-4, .grid-5, .steps, .testimonials { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .result-card { flex-direction: column; text-align: center; }
  .result-card .rc-price { text-align: center; margin-top: 12px; }
  .cookie-inner { flex-direction: column; }
  .page-header h1 { font-size: 28px; }
  .header-phone { display: none; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 24px; }
  .btn-lg { padding: 14px 28px; font-size: 16px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
}