/* Factoring Preisvergleich – Onepager v2.0
   Keine externen Fonts: System-Schriften. Optional eigene WOFF2 in /fonts ablegen und hier per @font-face einbinden. */
:root{
  --tq:#376C79;--tq-dark:#2A5560;--tq-tint:#EAF1F3;
  --ink:#1B2A2D;--muted:#4E5F63;--line:#DCE4E6;
  --gray:#F4F6F7;--white:#FFFFFF;
  --radius:12px;--header-h:68px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px);-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.6;color:var(--ink);background:var(--white);padding-top:var(--header-h)}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{line-height:1.2;margin:0;text-wrap:balance}
p{margin:0;text-wrap:pretty}
ul,dl,dd{margin:0;padding:0}
ul{list-style:none}
a{color:var(--tq-dark)}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid #E0A526;outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:12px;top:-60px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:200}
.skip:focus{top:12px;color:#fff}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
.wrap--narrow{max-width:860px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 22px;border-radius:999px;font-weight:600;font-size:1rem;text-decoration:none;white-space:nowrap;transition:background .15s,color .15s}
.btn--primary{background:var(--tq);color:#fff}
.btn--primary:hover{background:var(--tq-dark);color:#fff}
.btn--white{background:#fff;color:var(--tq-dark)}
.btn--white:hover{background:var(--tq-tint);color:var(--ink)}
.btn--lg{min-height:54px;padding:0 28px;font-size:1.0625rem}

/* Header */
.header{position:fixed;inset:0 0 auto 0;height:var(--header-h);background:rgba(255,255,255,.97);border-bottom:1px solid transparent;z-index:100;transition:border-color .2s,box-shadow .2s}
.header.is-scrolled{border-color:var(--line);box-shadow:0 2px 12px rgba(27,42,45,.06)}
.header__inner{height:100%;display:flex;align-items:center;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:700;margin-right:auto}
.brand__icon{width:42px;height:42px}
.brand__logo{display:none;height:46px;width:auto}
.hotline{display:flex;align-items:center;gap:6px;font-weight:700;color:var(--tq-dark);text-decoration:none;white-space:nowrap}
.hotline svg{width:18px;height:18px}
.header__cta{display:none}
.menu-toggle{display:flex;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;padding:10px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer}
.menu-toggle span{display:block;height:2px;background:var(--ink);border-radius:2px}
.nav{position:fixed;top:var(--header-h);left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 20px 20px;display:none}
.nav.is-open{display:block}
.nav ul{display:flex;flex-direction:column}
.nav a:not(.btn){display:block;padding:12px 0;color:var(--ink);text-decoration:none;font-weight:500;border-bottom:1px solid var(--line)}
.nav a:not(.btn):hover{color:var(--tq-dark)}
.nav__cta-mobile{margin-top:16px;width:100%}
@media (min-width:640px){.brand__icon{display:none}.brand__logo{display:block}}
@media (min-width:1080px) and (max-width:1239px){.brand__logo{height:38px}.nav ul{gap:18px!important}}
@media (min-width:1080px){
  :root{--header-h:76px}
  .menu-toggle,.nav__cta-mobile{display:none}
  .nav{position:static;display:block;padding:0;border:0;background:none}
  .nav ul{flex-direction:row;gap:26px}
  .nav a:not(.btn){padding:6px 0;border:0;font-size:.97rem}
  .header__cta{display:inline-flex}
  .brand{margin-right:12px}
  .nav{margin-right:auto}
}

/* Hero */
.hero{background:linear-gradient(180deg,var(--tq-tint),#fff 85%);padding:40px 0 56px}
.hero__inner{display:grid;gap:36px;align-items:center}
.eyebrow{font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--tq-dark);margin-bottom:12px}
.hero h1{font-size:clamp(2.2rem,6vw,3.6rem);letter-spacing:-.02em;margin-bottom:18px}
.lead{font-size:1.15rem;color:var(--muted);max-width:36em}
.actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px 28px;margin-top:28px}
.phone-link{display:flex;flex-direction:column;text-decoration:none;color:var(--ink)}
.phone-link__label{font-size:.85rem;color:var(--muted)}
.phone-link__number{font-size:1.45rem;font-weight:700;color:var(--tq-dark)}
.phone-link:hover .phone-link__number{color:var(--ink)}
.hero__media{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:0 20px 40px -24px rgba(27,42,45,.35)}
@media (min-width:900px){
  .hero{padding:72px 0 88px}
  .hero__inner{grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:56px}
}

/* Vertrauensleiste */
.trust{background:var(--tq);color:#fff;padding:28px 0}
.trust__list{display:grid;gap:18px;text-align:center}
.trust strong{display:block;font-size:1.6rem;line-height:1.2}
.trust span{font-size:.98rem}
@media (min-width:720px){.trust__list{grid-template-columns:repeat(3,minmax(0,1fr))}.trust li+li{border-left:1px solid rgba(255,255,255,.35)}}

/* Sections */
.section{padding:64px 0}
.section--gray{background:var(--gray)}
.section__head{max-width:760px;margin-bottom:36px}
.section__head h2{font-size:clamp(1.7rem,4vw,2.4rem);letter-spacing:-.01em;margin-bottom:14px}
.section__head p:not(.eyebrow){color:var(--muted)}
@media (min-width:900px){.section{padding:96px 0}}

/* Stärken */
.cards{display:grid;gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card__icon{display:flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:50%;background:var(--tq);color:#fff;margin-bottom:18px}
.card__icon svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:1.2rem;margin-bottom:10px}
.card p{color:var(--muted)}
@media (min-width:640px){.cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:980px){.cards{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}}

/* Branchenwähler */
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px}
.chip{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--ink);text-decoration:none;font-weight:500;font-size:.97rem;cursor:pointer}
.chip:hover{border-color:var(--tq);color:var(--tq-dark)}
.chip[aria-selected="true"]{background:var(--tq);border-color:var(--tq);color:#fff}
.panels{display:grid;gap:24px}
.panel{display:grid;gap:28px;align-items:center;background:#fff;border-radius:var(--radius);padding:24px;border:1px solid var(--line)}
.panel[hidden]{display:none}
.panel h3{font-size:clamp(1.35rem,3vw,1.75rem);margin-bottom:14px}
.panel__text p{color:var(--muted);margin-bottom:14px}
.panel__text .btn{margin-top:8px}
.panel__img{border-radius:10px}
@media (min-width:900px){.panel{grid-template-columns:minmax(0,1fr) minmax(0,1fr);padding:40px;gap:48px}}

/* Sonderfälle */
.features{display:grid;gap:28px}
.feature{display:grid;gap:24px;align-items:center;background:var(--gray);border-radius:var(--radius);overflow:hidden}
.feature img{width:100%;height:100%;object-fit:cover;aspect-ratio:3/2}
.hero__media img{width:100%;aspect-ratio:3/2;object-fit:cover}
.feature__text{padding:0 24px 28px}
.feature h3{font-size:clamp(1.3rem,3vw,1.6rem);margin-bottom:12px}
.feature p{color:var(--muted);margin-bottom:16px}
.checks{display:grid;gap:10px}
.checks li{position:relative;padding-left:28px}
.checks li::before{content:"";position:absolute;left:0;top:.45em;width:16px;height:9px;border-left:2.5px solid var(--tq);border-bottom:2.5px solid var(--tq);transform:rotate(-45deg) translateY(-2px)}
@media (min-width:900px){
  .feature{grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:40px}
  .feature__text{padding:36px 40px 36px 0}
  .feature--rev img{order:2}
  .feature--rev .feature__text{padding:36px 0 36px 40px}
}

/* Varianten */
.variants{display:grid;gap:16px}
.variant{background:#fff;border-radius:var(--radius);padding:24px;border-top:4px solid var(--tq)}
.variant dt{font-weight:700;font-size:1.1rem;margin-bottom:8px}
.variant dd{color:var(--muted)}
@media (min-width:640px){.variants{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:1080px){.variants{grid-template-columns:repeat(4,minmax(0,1fr))}}

/* FAQ */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;cursor:pointer}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font-size:1.1rem;font-weight:600}
.faq summary::after{content:"";flex:none;width:12px;height:12px;border-right:2.5px solid var(--tq);border-bottom:2.5px solid var(--tq);transform:rotate(45deg);margin-right:6px;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq summary:hover h3{color:var(--tq-dark)}
.faq details p{padding:0 0 22px;color:var(--muted);max-width:44em}

/* Abschluss-Band */
.cta-band{background:var(--tq);color:#fff;padding:56px 0}
.cta-band__inner{display:grid;gap:28px;align-items:center}
.cta-band h2{font-size:clamp(1.6rem,4vw,2.2rem);margin-bottom:10px}
.cta-band__actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px 28px}
.cta-band__phone{font-size:clamp(1.9rem,5vw,2.6rem);font-weight:800;color:#fff;text-decoration:none;letter-spacing:.01em;white-space:nowrap}
.cta-band__phone:hover{color:#fff;text-decoration:underline}
@media (min-width:980px){.cta-band__inner{grid-template-columns:minmax(0,1fr) auto}}

/* Footer */
.footer{background:var(--ink);color:#C9D3D5;padding:28px 0;font-size:.95rem}
.footer__inner{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 24px}
.footer ul{display:flex;flex-wrap:wrap;gap:8px 24px}
.footer a{color:#C9D3D5;text-decoration:none}
.footer a:hover{color:#fff;text-decoration:underline}