@charset "UTF-8";

:root{
  --bg:#0a1630;
  --text:#edf3ff;
  --muted:#acc2ec;
  --accent-strong:#b7d4ff;
  --line:rgba(183,205,245,.14);
  --line-strong:rgba(183,205,245,.28);
  --shadow:0 20px 50px rgba(0,0,0,.28);
  --container:1200px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  min-height:100vh;
  font-family:Inter,Segoe UI,Arial,sans-serif;
  color:var(--text);
  background:linear-gradient(180deg, #081327 0%, var(--bg) 100%);
}
a{color:var(--accent-strong);text-decoration:none}
.container{width:min(calc(100% - 32px), var(--container));margin:0 auto}

.site-header{
  position:sticky;
  top:0;
  z-index:30;
  backdrop-filter:blur(14px);
  background:rgba(8,19,39,.78);
  border-bottom:1px solid var(--line);
}
.navbar{
  min-height:64px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  padding:12px 0;
}
.brand-title{font-weight:800;letter-spacing:.02em;font-size:1.08rem}
.nav-links{display:flex;align-items:center;gap:12px;flex-wrap:wrap;justify-content:flex-end}
.nav-select-ghost{
  display:inline-flex;
  align-items:center;
  gap:10px;
  min-height:44px;
  padding:8px 14px;
  border-radius:999px;
  border:1px solid var(--line-strong);
  background:rgba(255,255,255,.03);
  transition:transform .18s ease, border-color .18s ease, background .18s ease, box-shadow .18s ease;
}
.nav-select-ghost-wide{min-width:min(100%, 380px)}
.nav-select-ghost-wide .nav-category-select{min-width:180px}
.nav-select-ghost:hover{transform:translateY(-1px);border-color:rgba(183,212,255,.48);box-shadow:var(--shadow)}
.nav-select-ghost:focus-within{
  transform:translateY(-1px);
  border-color:rgba(183,212,255,.62);
  box-shadow:0 0 0 4px rgba(183,212,255,.14), var(--shadow)
}
.nav-select-label{font-size:.82rem;font-weight:700;color:var(--muted);letter-spacing:.04em;text-transform:uppercase}
.nav-category-select{
  min-height:28px;
  border:none;
  background:transparent;
  color:var(--accent-strong);
  font:inherit;
  font-weight:700;
  padding:0 18px 0 0;
  border-radius:0;
  appearance:none;
  cursor:pointer;
}
.nav-category-select:focus{outline:none}
.nav-category-select option{color:#0a1630}
.lang-switch{display:flex;gap:8px;align-items:center}
.lang-link{font-size:.92rem;opacity:.8}
.lang-link.active{opacity:1;text-decoration:underline}
.nav-link-ghost,.button{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  min-height:44px;
  padding:10px 16px;
  border-radius:999px;
  border:1px solid var(--line-strong);
  transition:transform .18s ease, border-color .18s ease, background .18s ease, box-shadow .18s ease;
}
.nav-link-ghost{color:var(--accent-strong);background:rgba(255,255,255,.03)}
.nav-link-ghost:hover,.button:hover{transform:translateY(-1px);border-color:rgba(183,212,255,.48);box-shadow:var(--shadow)}
.nav-link-ghost:focus-visible,.button:focus-visible,.button-secondary:focus-visible{
  outline:none;
  transform:translateY(-1px);
  border-color:rgba(183,212,255,.62);
  box-shadow:0 0 0 4px rgba(183,212,255,.14), var(--shadow)
}
.button{
  color:#fff;
  background:linear-gradient(180deg, rgba(127,181,255,.18), rgba(127,181,255,.08));
  box-shadow:inset 0 1px 0 rgba(255,255,255,.08);
}
.button-large{
  min-height:62px;
  padding:18px 28px;
  font-size:1.16rem;
  font-weight:800;
  letter-spacing:.01em;
}
.button-wide{width:min(100%, 620px)}

.hero{
  position:relative;
  overflow:hidden;
}
.hero-minimal,
.hero-shell-minimal{
  min-height:calc(100vh - 65px);
}
.hero-shell-minimal{
  position:relative;
  z-index:3;
  display:grid;
  align-items:center;
  padding:56px 0;
}
.hero-content-minimal{
  width:100%;
  max-width:none;
  min-height:calc(100vh - 177px);
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  text-align:center;
  gap:28px;
}
.hero-content-minimal h1{
  margin:0;
  max-width:12ch;
  font-size:clamp(2.35rem, 5vw, 4.5rem);
  line-height:1.03;
  text-wrap:balance;
  text-shadow:0 10px 40px rgba(0,0,0,.45);
}

.hero-media-grid{
  position:absolute;
  inset:0;
  z-index:1;
  display:grid;
  grid-template-columns:1.25fr .95fr 1.1fr;
  grid-template-rows:1fr 1fr;
  gap:14px;
  padding:14px;
  pointer-events:none;
}
.hero-tile{
  min-height:0;
  background-size:cover;
  background-position:center;
  border-radius:26px;
  border:1px solid rgba(183,205,245,.12);
  box-shadow:0 16px 38px rgba(0,0,0,.26);
  filter:saturate(.92) brightness(.72);
}
.hero-tile-1{grid-column:1;grid-row:1 / span 2}
.hero-tile-2{grid-column:2;grid-row:1}
.hero-tile-3{grid-column:3;grid-row:1}
.hero-tile-4{grid-column:2;grid-row:2}
.hero-tile-5{grid-column:3;grid-row:2}
.hero-tile-fallback{
  grid-column:1 / -1;
  grid-row:1 / -1;
  background:
    radial-gradient(circle at top left, rgba(76,132,214,.22), transparent 30%),
    radial-gradient(circle at bottom right, rgba(127,181,255,.16), transparent 26%),
    linear-gradient(180deg, rgba(16,35,71,.92), rgba(8,19,39,.96));
}
.hero-overlay{
  position:absolute;
  inset:0;
  z-index:2;
  pointer-events:none;
  background:
    linear-gradient(180deg, rgba(8,19,39,.38), rgba(8,19,39,.58)),
    radial-gradient(circle at center, rgba(8,19,39,.12), rgba(8,19,39,.62) 78%),
    linear-gradient(90deg, rgba(8,19,39,.66), rgba(8,19,39,.18), rgba(8,19,39,.66));
}

@media (max-width: 900px){
  .hero-media-grid{
    grid-template-columns:1fr 1fr;
    grid-template-rows:1.15fr 1fr 1fr;
  }
  .hero-tile-1{grid-column:1 / -1;grid-row:1}
  .hero-tile-2{grid-column:1;grid-row:2}
  .hero-tile-3{grid-column:2;grid-row:2}
  .hero-tile-4{grid-column:1;grid-row:3}
  .hero-tile-5{grid-column:2;grid-row:3}
}

@media (max-width: 720px){
  .navbar{align-items:flex-start;flex-direction:column}
  .nav-links{width:100%;justify-content:flex-start}
  .hero-minimal,
  .hero-shell-minimal,
  .hero-content-minimal{
    min-height:calc(100vh - 133px);
  }
  .hero-media-grid{
    grid-template-columns:1fr;
    grid-template-rows:repeat(5, 1fr);
    gap:10px;
    padding:10px;
  }
  .hero-tile-1,.hero-tile-2,.hero-tile-3,.hero-tile-4,.hero-tile-5{
    grid-column:1;
  }
  .hero-tile-1{grid-row:1}
  .hero-tile-2{grid-row:2}
  .hero-tile-3{grid-row:3}
  .hero-tile-4{grid-row:4}
  .hero-tile-5{grid-row:5}
  .hero-content-minimal{gap:22px}
  .hero-content-minimal h1{max-width:10ch}
  .button-wide{width:100%}
}

.section{padding:40px 0 56px}
.section-title{margin:0 0 24px;font-size:clamp(2rem, 4vw, 3rem);line-height:1.05}
.site-footer{padding:24px 0 36px;border-top:1px solid var(--line)}
.footer-row{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;color:var(--muted)}
.card{border:1px solid var(--line);border-radius:28px;background:rgba(255,255,255,.035);box-shadow:var(--shadow)}
.card-inner{padding:28px}
.page-hero{margin-bottom:24px}
.page-hero-card{overflow:hidden}
.page-hero-inner{display:grid;grid-template-columns:minmax(0, 1fr) auto;gap:22px;align-items:center}
.page-hero-copy{display:grid;gap:12px}
.page-eyebrow{font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.page-title{margin:0}
.page-copy{margin:0;max-width:72ch;color:var(--muted);line-height:1.7}
.page-hero-actions{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:12px}
.tool-section{display:grid;gap:18px}
.tool-section + .tool-section{margin-top:30px}
.section-copy-block{display:grid;gap:8px}
.tool-section-title{margin:0;font-size:1.45rem}
.tool-card-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(260px, 1fr));gap:18px}
.tool-link-card{
  display:block;
  color:var(--text);
  text-decoration:none;
  transition:transform .18s ease, border-color .18s ease, background .18s ease, box-shadow .18s ease
}
.tool-link-card:hover{
  transform:translateY(-3px);
  border-color:rgba(183,212,255,.48);
  box-shadow:var(--shadow)
}
.tool-link-card-inner{height:100%;display:flex;flex-direction:column;gap:14px}
.tool-pill{
  display:inline-flex;
  align-self:flex-start;
  padding:7px 12px;
  border-radius:999px;
  border:1px solid var(--line);
  background:rgba(255,255,255,.05);
  color:var(--muted);
  font-size:.82rem;
  font-weight:700
}
.tool-card-title{margin:0;font-size:1.2rem}
.tool-card-copy{margin:0;color:var(--muted);line-height:1.6;flex:1}
.tool-link-cta{align-self:flex-start}
.source-note{color:var(--muted);font-weight:600}
.category-copy{margin:0 0 18px;color:var(--muted);max-width:72ch}
.category-panel{display:none}
.category-panel.active{display:block}
.form-grid{display:grid;grid-template-columns:repeat(2, minmax(0, 1fr));gap:16px}
.form-field{display:grid;gap:8px}
.form-field label{color:var(--muted);font-weight:600}
.form-field input,
.form-field select{
  width:100%;min-height:48px;padding:12px 14px;border-radius:16px;border:1px solid var(--line-strong);
  background:rgba(255,255,255,.04);color:var(--text)
}
.form-field select{appearance:none}
.form-field input:focus,
.form-field select:focus{outline:none;border-color:rgba(183,212,255,.58);box-shadow:0 0 0 4px rgba(183,212,255,.12)}
.result-grid{margin-top:24px;display:grid;grid-template-columns:minmax(260px, 320px) minmax(0, 1fr);gap:18px;align-items:stretch}
.consumption-result-grid{align-items:start}
.metric-list{display:grid;gap:14px}
.metric{padding:16px 18px;border-radius:20px;background:rgba(255,255,255,.04);border:1px solid var(--line)}
.metric .label{color:var(--muted);font-size:.92rem}
.metric .value{margin-top:6px;font-weight:800;font-size:1.2rem}
.chart-card{padding:18px;border-radius:22px;background:rgba(255,255,255,.03);border:1px solid var(--line)}
.chart-card canvas{width:100%;height:auto;display:block}
.panel-copy{margin:8px 0 0;color:var(--muted);max-width:70ch;line-height:1.6}
.market-card{margin-bottom:22px}
.price-pill-row{margin-top:18px;display:flex;flex-wrap:wrap;gap:14px}
.price-pill{min-width:180px;padding:16px 18px;border-radius:20px;border:1px solid var(--line);background:rgba(255,255,255,.04);display:grid;gap:6px}
.price-pill span{color:var(--muted);font-size:.92rem}
.price-pill strong{font-size:1.08rem}
.summary-card{display:grid;gap:16px;align-content:start}
.summary-copy{margin:0;line-height:1.6}
.summary-meta{display:grid;gap:12px}
.summary-line{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;padding-top:12px;border-top:1px solid var(--line)}
.summary-line:first-child{padding-top:0;border-top:none}
.summary-line span{color:var(--muted);font-size:.92rem}
.summary-line strong{text-align:right;font-size:.95rem}
.mini-title{margin:0 0 12px;font-size:1rem;color:var(--text)}
.tab-shell{display:grid;gap:18px}
.tab-bar{display:flex;flex-wrap:wrap;gap:12px}
.button-secondary{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:10px 16px;
  border-radius:999px;border:1px solid var(--line-strong);background:rgba(255,255,255,.03);color:var(--accent-strong);
  transition:transform .18s ease, border-color .18s ease, background .18s ease, box-shadow .18s ease
}
.button-secondary:hover{transform:translateY(-1px);border-color:rgba(183,212,255,.48);box-shadow:var(--shadow)}
.tab-button:hover{transform:translateY(-1px)}
.tab-button{position:relative;cursor:pointer}
.tab-button.active,.tab-button[aria-selected="true"]{
  background:linear-gradient(180deg, rgba(127,181,255,.24), rgba(127,181,255,.12));
  border-color:rgba(183,212,255,.58);color:#fff;box-shadow:var(--shadow)
}
.tab-button:not(.active):hover,.tab-button[aria-selected="false"]:hover{
  background:rgba(255,255,255,.06);
  border-color:rgba(183,212,255,.48);
}
.tab-button.active::after,.tab-button[aria-selected="true"]::after{
  content:attr(data-active-label);position:absolute;top:-8px;right:14px;padding:2px 8px;border-radius:999px;background:#d9e8ff;
  color:#0a1630;font-size:.72rem;font-weight:700
}
.tab-panel{display:none}
.tab-panel.active{display:block}
.table-wrap{margin-top:24px;overflow:auto;border:1px solid var(--line);border-radius:22px;background:rgba(255,255,255,.03)}
.table-wrap-compact{margin-top:18px}
table{width:100%;min-width:720px;border-collapse:collapse}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}
th{color:var(--muted);font-size:.92rem;font-weight:700}
tbody tr:last-child td{border-bottom:none}
#loan-summary-table tbody tr.is-current{background:rgba(127,181,255,.12)}
#loan-summary-table tbody tr{transition:opacity .18s ease, background .18s ease}
#bauspar-summary-table tbody tr.is-current{background:rgba(127,181,255,.12)}
#bauspar-summary-table tbody tr{transition:opacity .18s ease, background .18s ease}
.compare-chart-grid{margin-top:24px;display:grid;grid-template-columns:repeat(2, minmax(0, 1fr));gap:18px}
.compare-summary-grid{margin-top:24px;display:grid;grid-template-columns:repeat(2, minmax(0, 1fr));gap:18px}
.compare-summary-card{background:rgba(255,255,255,.02)}
.detail-foldout{
  margin-top:24px;
  border:1px solid var(--line);
  border-radius:22px;
  background:rgba(255,255,255,.03);
  overflow:hidden
}
.detail-foldout summary{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  padding:18px 20px;
  cursor:pointer;
  font-weight:700
}
.detail-foldout summary::-webkit-details-marker{display:none}
.detail-foldout summary::after{content:'+';color:var(--muted);font-size:1.2rem}
.detail-foldout[open] summary::after{content:'-'}
.detail-foldout-body{padding:0 20px 20px;display:grid;gap:18px}
.detail-grid{display:grid;grid-template-columns:repeat(2, minmax(0, 1fr));gap:14px}
.detail-note{margin:0;color:var(--muted);line-height:1.6}
@media (max-width: 900px){
  .page-hero-inner{grid-template-columns:1fr}
  .page-hero-actions{justify-content:flex-start}
  .result-grid{grid-template-columns:1fr}
}
@media (max-width: 720px){
  .form-grid{grid-template-columns:1fr}
  .card-inner{padding:20px}
  table{min-width:640px}
  .compare-chart-grid,.compare-summary-grid{grid-template-columns:1fr}
  .nav-select-ghost{width:100%;justify-content:space-between}
  .nav-select-ghost-wide{min-width:0}
  .nav-select-ghost-wide .nav-category-select{min-width:0;max-width:100%}
  .tool-card-grid,.detail-grid{grid-template-columns:1fr}
  .summary-line{flex-direction:column}
}