/* Versicherungen-klar – Dachmarke des Netzwerks (BU-klar, AV-klar, Haftpflicht-klar)
   Gleiche Designfamilie wie bu-klar.de, Dach in Navy #1A2756 mit rotem Akzent #D93B20. */
:root{
  /* Farben der Dachmarke: Navy für Logo, Namen, Text; Rot nur als Akzent (Knöpfe, kurze Linien) */
  --bg:#F0F2F8; --surface:#FFFFFF; --tint:#E4E8F3; --baby:#CDD4E8; --line:#D9DDEA;
  --ink:#1A2756; --ink2:#52597A; --ink3:#5F6684;
  --navy:#1A2756; --btn:#D93B20; --btn-h:#B8301A; --rot:#D93B20;
  --bu:#2F5BEA; --alters:#1E8E5A; --haft:#C4623A;
  --r:20px; --shadow:0 18px 50px -22px rgba(26,39,86,.30);
  --head:'Red Hat Text',system-ui,-apple-system,'Segoe UI',sans-serif;
  --body:'Bitter',Georgia,serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.65 var(--body);overflow-x:hidden}
h1,h2,h3,h4{font-family:var(--head);font-weight:700;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
a{color:var(--navy);text-decoration-color:var(--rot);text-underline-offset:3px}
a:hover{color:var(--rot)}
img,svg{max-width:100%}
.wrap{width:min(1180px,100% - 32px);margin-inline:auto}
.ico{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:8px 12px;border-radius:8px}

/* Kopf */
header{position:sticky;top:0;z-index:20;background:rgba(246,249,254,.88);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:72px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font:700 21px/1 var(--head);letter-spacing:-.02em;white-space:nowrap}
.logo:hover{color:var(--ink)}
.lmark{width:32px;height:32px;flex:none}
.lk{color:inherit}
.menu{display:flex;gap:28px;font:500 15.5px/1 var(--head)}
.menu a{color:var(--ink2);text-decoration:none}
.menu a:hover{color:var(--navy)}
.menu a{position:relative}
.menu a:hover::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;border-radius:2px;background:var(--rot)}
.btn{display:inline-flex;align-items:center;gap:8px;font:700 15.5px/1 var(--head);text-decoration:none;border-radius:12px;padding:15px 22px;border:1.5px solid transparent;transition:background .2s,transform .2s,box-shadow .2s}
.btn-p{background:var(--btn);color:#fff;box-shadow:0 10px 24px -12px rgba(217,59,32,.7)}
.btn-p:hover{background:var(--btn-h);color:#fff;transform:translateY(-1px)}
.btn-g{background:var(--surface);color:var(--ink);border-color:var(--line)}
.btn-g:hover{border-color:var(--navy);color:var(--navy)}
.btn-sm{padding:11px 16px;font-size:14.5px}

/* Hero */
.hero{position:relative;overflow:hidden;padding:72px 0 88px}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;filter:blur(10px);z-index:0;pointer-events:none}
.hero::before{width:620px;height:620px;right:-160px;top:-180px;background:radial-gradient(closest-side,#D3DAEE,transparent)}
.hero::after{width:460px;height:460px;left:-200px;bottom:-240px;background:radial-gradient(closest-side,#F6DAD3,transparent)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.kicker{display:inline-flex;align-items:center;gap:8px;background:var(--surface);border:1px solid var(--line);color:var(--navy);font:700 14px/1 var(--head);padding:9px 14px;border-radius:999px;margin-bottom:22px}
.kicker .ico{width:16px;height:16px}
.hero h1{font-size:clamp(38px,5.6vw,64px);margin-bottom:22px}
.klar{position:relative;color:var(--navy);white-space:nowrap}
.klar svg{position:absolute;left:-2%;bottom:-.16em;width:104%;height:.32em;overflow:visible}
.klar path{fill:none;stroke:var(--rot);stroke-width:7;stroke-linecap:round;stroke-dasharray:260;stroke-dashoffset:0;animation:zieh 1.1s .5s ease-out both}
@keyframes zieh{from{stroke-dashoffset:260}to{stroke-dashoffset:0}}
.lead{font-size:clamp(17px,1.6vw,19.5px);color:var(--ink2);max-width:36em;margin:0 0 30px}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px}

.hero-art{position:relative;aspect-ratio:1/1;max-width:460px;width:100%;justify-self:center}
.hero-art .big{position:absolute;inset:14% 14% 10% 10%;filter:drop-shadow(0 30px 40px rgba(18,33,63,.25))}
.big .haken{stroke-dasharray:40;stroke-dashoffset:0;animation:haken .8s .4s ease-out both}
@keyframes haken{from{stroke-dashoffset:40}to{stroke-dashoffset:0}}
.bubble{position:absolute;display:flex;align-items:center;gap:10px;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:11px 15px 11px 11px;box-shadow:var(--shadow);font:700 15px/1.15 var(--head);color:var(--ink);text-decoration:none;animation:schweb 6s ease-in-out infinite}
.bubble small{display:block;font:500 12.5px/1.2 var(--head);color:var(--ink3);margin-top:3px}
.bubble svg{width:30px;height:30px;flex:none}
.b1{left:-4%;top:6%}
.b2{right:-6%;top:38%;animation-delay:-2s}
.b3{left:2%;bottom:4%;animation-delay:-4s}
@keyframes schweb{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}

/* Abschnitte */
section{scroll-margin-top:84px}
.sec{padding:84px 0}
.sec-alt{background:var(--surface);border-block:1px solid var(--line)}
.sec-head{max-width:720px;margin-bottom:40px}
.sec-head h2{font-size:clamp(28px,3.4vw,40px)}
.sec-head p{color:var(--ink2);margin:0}
.eyebrow{display:flex;align-items:center;gap:10px;font:700 13px/1 var(--head);letter-spacing:.08em;text-transform:uppercase;color:var(--ink2);margin-bottom:14px}
.eyebrow::before{content:"";width:22px;height:3px;border-radius:2px;background:var(--rot)}

/* Seiten-Karten */
.marken{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.marke{--c:var(--bu);position:relative;display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px 26px 26px;overflow:hidden;transition:transform .25s,box-shadow .25s,border-color .25s}
.marke::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:var(--c)}
.marke.alters{--c:var(--alters)}
.marke.haft{--c:var(--haft)}
a.marke{text-decoration:none;color:inherit}
a.marke:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:color-mix(in srgb,var(--c) 40%,var(--line))}
.marke-kopf{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.marke-kopf svg{width:42px;height:42px;flex:none}
.marke-name{font:700 22px/1.1 var(--head);letter-spacing:-.02em}
.marke-name span{color:var(--c)}
.marke-dom{font:500 13.5px/1.2 var(--head);color:var(--ink3);margin-top:4px;word-break:break-all}
.marke h3{font-size:18px;margin:0 0 8px}
.marke p{margin:0 0 18px;color:var(--ink2);font-size:16px}
.marke ul{list-style:none;margin:0 0 22px;padding:0;display:grid;gap:8px;font:500 15px/1.4 var(--head);color:var(--ink2)}
.marke li{display:flex;gap:9px}
.marke li .ico{width:18px;height:18px;color:var(--c);margin-top:1px}
.status{margin-top:auto;display:inline-flex;align-items:center;gap:8px;font:700 14.5px/1 var(--head);color:var(--c)}
.status.wartet{color:var(--ink3)}
.punkt{width:9px;height:9px;border-radius:50%;background:currentColor;box-shadow:0 0 0 4px color-mix(in srgb,currentColor 18%,transparent)}

/* Arbeitsweise */
.drei{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.kachel{background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.kachel .ic{width:48px;height:48px;border-radius:14px;background:var(--tint);color:var(--navy);display:grid;place-items:center;margin-bottom:16px}
.kachel .ic .ico{width:24px;height:24px}
.kachel h3{font-size:19px}
.kachel p{margin:0;color:var(--ink2);font-size:16px}

/* Bewertungen */
.bew{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.bew-karte{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.bew-karte h3{display:flex;align-items:center;gap:10px;font-size:20px}
.bew-karte h3 .ico{color:var(--navy);width:22px;height:22px}
.bew-karte p{margin:0 0 12px;color:var(--ink2);font-size:16px}
.bew-karte p:last-child{margin:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.chip{display:inline-flex;align-items:center;gap:7px;border:1px solid var(--line);background:var(--bg);border-radius:999px;padding:7px 12px;font:600 14px/1 var(--head);color:var(--ink2)}
.chip i{width:9px;height:9px;border-radius:50%;background:var(--c,var(--bu))}

/* Wer steht dahinter */
.person{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:start}
.person p{color:var(--ink2)}
.hinweis{background:var(--tint);border:1px solid var(--baby);border-radius:var(--r);padding:24px 26px;font-size:15.5px;color:var(--ink2)}
.hinweis b{display:flex;align-items:center;gap:8px;font-family:var(--head);color:var(--ink);margin-bottom:8px}
.hinweis b .ico{color:var(--navy)}
.hinweis p{margin:0 0 10px}
.hinweis p:last-child{margin:0}

/* Kontakt */
.kontakt{background:linear-gradient(135deg,#1A2756,#26377A);color:#fff;border-radius:28px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:28px;position:relative;overflow:hidden}
.kontakt::after{content:"";position:absolute;right:-90px;top:-90px;width:300px;height:300px;border-radius:50%;border:44px solid rgba(255,255,255,.07)}
.kontakt h2{font-size:clamp(26px,3vw,36px);color:#fff;margin-bottom:10px}
.kontakt p{margin:0;color:rgba(255,255,255,.85);max-width:34em}
.kontakt .btn{background:var(--btn);color:#fff;position:relative;z-index:1;box-shadow:0 10px 24px -12px rgba(0,0,0,.5)}
.kontakt .btn:hover{background:var(--btn-h);color:#fff}

/* Rechtstexte */
.p-hero{padding:56px 0 36px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--tint),var(--bg))}
.p-hero h1{font-size:clamp(32px,4.4vw,48px)}
.p-hero .lead{margin:0}
.crumbs{font:500 14px/1 var(--head);color:var(--ink3);margin-bottom:22px;display:flex;gap:8px}
.crumbs a{color:var(--ink2);text-decoration:none}
.text{max-width:780px;padding:48px 0 80px}
.text h2{font-size:24px;margin-top:40px}
.text h2:first-child{margin-top:0}
.text p,.text li{color:var(--ink2)}
.text ul{padding-left:1.2em}
.text .stand{font:500 14px/1 var(--head);color:var(--ink3);margin-top:14px}

/* Fuß */
footer{border-top:1px solid var(--line);padding:40px 0 34px;background:var(--surface)}
.fuss{display:flex;justify-content:space-between;align-items:flex-start;gap:28px;flex-wrap:wrap}
.fuss p{margin:10px 0 0;color:var(--ink3);font-size:15px;max-width:30em}
.fuss-links{display:flex;flex-wrap:wrap;gap:8px 22px;font:500 15px/1.4 var(--head)}
.fuss-links a{color:var(--ink2);text-decoration:none}
.fuss-links a:hover{color:var(--navy)}
.fuss-unten{margin-top:26px;padding-top:18px;border-top:1px solid var(--line);display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font:500 13.5px/1.4 var(--head);color:var(--ink3)}

/* Einblenden beim Scrollen: Ruhezustand ist sichtbar, nur mit JS wird animiert */
.js .rein{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.js .rein.da{opacity:1;transform:none}

@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:20px}
  .hero-art{max-width:400px}
  .marken,.drei{grid-template-columns:1fr}
  .bew,.person{grid-template-columns:1fr}
  .kontakt{flex-direction:column;align-items:flex-start;padding:36px 28px}
}
@media (max-width:720px){
  .menu{display:none}
  .nav{height:64px}
  .logo{font-size:18px}
  .lmark{width:28px;height:28px}
  .hero{padding:44px 0 56px}
  .sec{padding:60px 0}
  .bubble{font-size:13.5px;padding:9px 12px 9px 9px}
  .bubble svg{width:24px;height:24px}
  .b1{left:0}.b2{right:0}.b3{left:2%}
}
@media (max-width:380px){
  .nav-cta{display:none}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .js .rein{opacity:1;transform:none}
}