/* kellner. Absicherung & Vermögen – Stylesheet (self-hosted, keine externen Ressourcen) */
@font-face{font-family:Montserrat;font-weight:400;font-style:normal;font-display:swap;src:url(../fonts/montserrat-400.woff2) format("woff2")}
@font-face{font-family:Montserrat;font-weight:500;font-style:normal;font-display:swap;src:url(../fonts/montserrat-500.woff2) format("woff2")}
@font-face{font-family:Montserrat;font-weight:600;font-style:normal;font-display:swap;src:url(../fonts/montserrat-600.woff2) format("woff2")}
@font-face{font-family:Montserrat;font-weight:700;font-style:normal;font-display:swap;src:url(../fonts/montserrat-700.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-weight:600;font-style:normal;font-display:swap;src:url(../fonts/source-serif-4-600.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-weight:700;font-style:normal;font-display:swap;src:url(../fonts/source-serif-4-700.woff2) format("woff2")}

:root{
  --navy:#28374c;--delft:#5b7f95;--delft-text:#4a6c82;--grey:#b0bfc4;--dune:#c4bbae;--wolf:#dbd4cc;--paper:#f7f5f2;
  --ink2:#46566b;--on-dark:#e6eaee;--on-dark2:#d6dde4;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:Montserrat,"Segoe UI",Arial,sans-serif;
  --maxw:1140px;--gutter:24px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--navy);line-height:1.65;font-weight:400;background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
h1,h2,h3{font-family:var(--serif);font-weight:700;line-height:1.15;margin:0}
p{margin:0 0 1em}
a{color:inherit;text-decoration:none}
:focus-visible{outline:3px solid var(--navy);outline-offset:3px;border-radius:4px}
.dark :focus-visible,.hero :focus-visible,footer :focus-visible,.page-head :focus-visible{outline-color:var(--dune)}
.skip{position:absolute;left:12px;top:-60px;background:var(--navy);color:#fff;padding:12px 18px;border-radius:8px;z-index:100;font-weight:600}
.skip:focus{top:12px;outline:3px solid var(--dune)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Header */
header.site{position:sticky;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--wolf);z-index:50}
.bar{max-width:var(--maxw);margin:auto;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px var(--gutter)}
.logo{display:block;flex:none}
.logo img{height:58px;width:auto;display:block}
nav.main{display:flex;align-items:center}
nav.main a{margin-left:28px;font-weight:500;font-size:15px;padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover{color:var(--delft-text);border-bottom-color:var(--dune)}
nav.main a[aria-current="page"]{border-bottom-color:var(--navy)}
nav.main a.cta{background:var(--navy);color:#fff;padding:11px 20px;border-radius:999px;border-bottom:0}
nav.main a.cta:hover{background:#1d2a3b;color:#fff}

/* Buttons */
.btn{display:inline-block;padding:15px 28px;border-radius:999px;font-weight:600;font-size:15px;line-height:1.3;margin:0 12px 12px 0;text-align:center;border:1.5px solid transparent;transition:background .2s,color .2s,border-color .2s}
.b1{background:var(--dune);color:var(--navy)}.b1:hover{background:#d4ccc0}
.b2{border-color:rgba(255,255,255,.7);color:#fff}.b2:hover{background:rgba(255,255,255,.12)}
.b3{background:var(--navy);color:#fff}.b3:hover{background:#1d2a3b}
.b4{border-color:var(--navy);color:var(--navy)}.b4:hover{background:rgba(40,55,76,.08)}
.btns{display:flex;flex-wrap:wrap}

/* Hero */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero-media{position:relative;aspect-ratio:7/6;max-height:520px}
.hero-media img,.hero-media picture{display:block;width:100%;height:100%}
.hero-media img{object-fit:cover;object-position:60% 22%}
.hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(40,55,76,0) 55%,var(--navy) 100%),linear-gradient(90deg,var(--navy) 0,rgba(40,55,76,0) 16%,rgba(40,55,76,0) 84%,var(--navy) 100%),linear-gradient(180deg,rgba(40,55,76,.9) 0,rgba(40,55,76,0) 14%)}
.hero-copy{position:relative;padding:8px var(--gutter) 56px}
.hero-copy .in{max-width:var(--maxw);margin:auto}
.eyebrow{letter-spacing:.18em;text-transform:uppercase;font-size:12px;color:var(--dune);font-weight:600;margin:0 0 16px}
.hero h1{font-size:clamp(36px,9.5vw,56px);margin-bottom:18px}
.hero .sub{font-size:19px;font-weight:600;color:#fff;margin:0 0 14px;max-width:520px;line-height:1.45}
.hero .intro{font-size:17px;color:var(--on-dark);max-width:500px;margin:0 0 30px}
@media(min-width:901px){
  .hero{min-height:620px;display:flex;align-items:center}
  .hero-media{position:absolute;inset:0;aspect-ratio:auto;max-height:none}
  .hero-media img{object-position:78% 14%}
  .hero-media:after{background:linear-gradient(90deg,rgba(40,55,76,.92) 0%,rgba(40,55,76,.78) 34%,rgba(40,55,76,0) 62%)}
  .hero-copy{width:100%;padding:84px var(--gutter)}
}

/* Strip */
.strip{background:var(--wolf);padding:20px var(--gutter)}
.strip .in{max-width:var(--maxw);margin:auto;display:flex;gap:14px 36px;justify-content:space-between;flex-wrap:wrap;font-weight:600;font-size:15px;list-style:none;padding:0}
.strip li:before{content:"";display:inline-block;width:10px;height:9px;margin-right:10px;background:var(--delft);clip-path:polygon(50% 0,100% 100%,0 100%)}

/* Sections */
section{padding:64px var(--gutter)}
.wrap{max-width:var(--maxw);margin:auto}
h2{font-size:clamp(28px,5vw,38px);margin-bottom:12px}
.lead{font-size:18px;max-width:680px;margin:0 0 40px;color:var(--ink2)}
.dark{background:var(--navy);color:#fff}.dark .lead{color:var(--on-dark2)}
.band{background:var(--paper)}
.eyebrow.dk{color:var(--delft-text)}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{display:block;background:var(--paper);border-radius:18px;padding:30px 26px;transition:transform .2s,box-shadow .2s}
a.card:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(40,55,76,.12)}
.card .n{font-family:var(--serif);font-size:15px;color:var(--delft-text);font-weight:700}
.card h3{font-size:24px;margin:10px 0}
.card p{margin:0;font-size:15px;color:var(--ink2)}
.card .more{display:inline-block;margin-top:14px;font-size:14px;font-weight:600;color:var(--navy)}
.card .more:after{content:" →"}
.vals{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.vals div{border-top:2px solid var(--dune);padding-top:18px}
.vals h3{font-size:22px;color:#fff;margin-bottom:6px}
.vals p{margin:0;font-size:15px;color:var(--on-dark2)}

/* B2B + Simplr panels */
.panel{display:flex;align-items:center;justify-content:space-between;gap:30px;border-radius:22px;padding:40px 44px}
.panel h2{font-size:clamp(26px,4vw,32px)}
.panel p{margin:6px 0 0}
.panel .btn{margin:0;flex:none}
.panel.b2b{background:var(--navy);color:#fff}
.panel.b2b p{color:var(--on-dark2);max-width:560px}
.panel.simplr{background:var(--grey)}
.panel.simplr p{color:var(--navy)}
.stack>*+*{margin-top:28px}

/* Page head (Unterseiten) */
.page-head{background:var(--navy);color:#fff;padding:64px var(--gutter) 56px}
.page-head h1{font-size:clamp(34px,7vw,52px);margin-bottom:14px}
.page-head .lead{color:var(--on-dark2);margin:0}
.page-head.short{padding:48px var(--gutter) 40px}

/* About */
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.pic{position:relative;isolation:isolate}
.pic img{width:100%;border-radius:20px;display:block;box-shadow:0 24px 60px rgba(40,55,76,.25)}
.pic:after{content:"";position:absolute;inset:auto -14px -14px auto;width:62%;height:62%;border:2px solid var(--dune);border-radius:20px;z-index:-1}
.about p{color:var(--ink2);font-size:17px}
.lic{margin-top:24px;padding:20px 22px;background:var(--paper);border-left:4px solid var(--delft);border-radius:8px;font-size:14px;color:var(--navy)}
.lic b{display:block;margin-bottom:6px}
.lic ul{margin:0;padding:0;list-style:none}
.lic li+li{margin-top:4px}

/* Leistungen */
.service{padding:38px 0;border-top:1px solid var(--wolf);display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;scroll-margin-top:90px}
.service:first-child{border-top:0;padding-top:0}
.service .n{font-family:var(--serif);font-size:15px;color:var(--delft-text);font-weight:700}
.service h2{font-size:clamp(28px,4vw,34px);margin:6px 0 0}
.service .who{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.service .who div{background:var(--paper);border-radius:16px;padding:22px 22px 8px}
.service .who h3{font-family:var(--sans);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--delft-text);font-weight:600;margin-bottom:8px}
.service .who p{font-size:15px;color:var(--ink2)}

/* Kontakt */
.ways{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:44px}
.way{background:var(--paper);border-radius:18px;padding:30px 26px;display:flex;flex-direction:column;align-items:flex-start;scroll-margin-top:90px}
.way h2{font-size:24px;margin-bottom:8px}
.way p{font-size:15px;color:var(--ink2);flex:1}
.way .btn{margin:6px 0 0}
.way .alt{display:block;margin-top:14px;font-size:15px;font-weight:600}
.way .alt:hover,.ci a:hover{text-decoration:underline}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:56px}
.ci p{margin:0 0 14px;font-size:17px}
.ci b{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--delft-text);font-weight:600}
.ci a{font-weight:500}
address{font-style:normal}

/* CTA-Band */
.cta-band{background:var(--wolf);padding:56px var(--gutter)}
.cta-band .in{max-width:var(--maxw);margin:auto;display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta-band h2{font-size:clamp(26px,4vw,34px);margin-bottom:6px}
.cta-band p{margin:0;font-size:17px}
.cta-band .btns{flex:none}
.cta-band .btn{margin:0 0 0 12px}

/* Prosa (Rechtstexte) */
.prose{max-width:780px;margin:auto}
.prose h2{font-size:clamp(24px,3.4vw,30px);margin:48px 0 14px;scroll-margin-top:90px}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--sans);font-size:17px;font-weight:600;margin:28px 0 8px}
.prose p,.prose li{font-size:16px;color:#2f3e52}
.prose ul{padding-left:1.2em;margin:0 0 1em}
.prose li{margin-bottom:.4em}
.prose a{text-decoration:underline;text-decoration-color:var(--delft);text-underline-offset:3px;overflow-wrap:anywhere}
.prose a:hover{color:var(--delft-text)}
.prose .meta{font-size:14px;color:var(--ink2)}
.prose .toc{background:var(--paper);border-radius:14px;padding:18px 22px;margin:0 0 36px;font-size:15px}
.prose .toc ol{margin:6px 0 0;padding-left:1.3em}
.prose .toc a{text-decoration:none}
.prose .toc a:hover{text-decoration:underline}
.ph{background:#fff3c4;color:#4a3b00;padding:1px 6px;border-radius:4px;font-weight:600;border:1px dashed #b38f00}
.erst address,.erst p.addr{background:var(--paper);border-radius:10px;padding:14px 18px;font-size:15px;color:#2f3e52;margin:0 0 1.2em;font-style:normal}
.erst .intro-box{border-left:4px solid var(--delft);background:var(--paper);padding:14px 18px;border-radius:8px}

/* 404 */
.nf{text-align:center;padding:96px var(--gutter)}
.nf .big{font-family:var(--serif);font-size:96px;font-weight:700;line-height:1;color:var(--dune);margin-bottom:10px}
.nf .btns{justify-content:center}

/* Footer */
footer.site{background:var(--navy);color:#cbd3dc;padding:54px var(--gutter) 30px;font-size:14px}
footer.site .wrap{display:grid;grid-template-columns:1.1fr 1.5fr .8fr .9fr;gap:40px}
footer.site img{height:92px;width:auto;margin-bottom:14px;display:block}
footer.site h2{font-family:var(--sans);color:#fff;margin:0 0 10px;font-size:14px;letter-spacing:.08em;text-transform:uppercase;font-weight:600}
footer.site p{margin:0 0 .6em;color:#cbd3dc}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin-bottom:6px}
footer.site a{text-decoration:underline;text-decoration-color:rgba(255,255,255,.35);text-underline-offset:3px}
footer.site a:hover{color:#fff;text-decoration-color:#fff}
footer.site .copy{max-width:var(--maxw);margin:30px auto 0;border-top:1px solid rgba(255,255,255,.18);padding-top:18px;font-size:12px;color:#b4c0cc}

/* Responsive */
@media(max-width:1020px){footer.site .wrap{grid-template-columns:1fr 1fr}.cards,.vals{grid-template-columns:1fr 1fr}.service{grid-template-columns:1fr;gap:20px}}
@media(max-width:900px){
  section{padding:52px var(--gutter)}
  .about,.contact,footer.site .wrap{grid-template-columns:1fr}
  .about{gap:44px}
  .pic:after{display:none}
  .ways{grid-template-columns:1fr}
  .panel,.cta-band .in{flex-direction:column;align-items:flex-start}
  .cta-band .btns{flex-wrap:wrap}.cta-band .btn{margin:0 12px 12px 0}
  header.site{position:static}
  .bar{flex-wrap:wrap;padding-bottom:6px}
  .logo img{height:46px}
  nav.main{order:3;width:100%;justify-content:space-between;border-top:1px solid var(--wolf);margin-top:6px;padding-top:2px}
  nav.main a{margin:0;font-size:14px;padding:10px 0}
  nav.main{flex-wrap:wrap;column-gap:16px}
  nav.main a.nav-home{display:none}
  nav.main a.cta{display:none}
  .bar .cta-m{display:inline-block}
}
@media(min-width:901px){.bar .cta-m{display:none}}
.bar .cta-m{background:var(--navy);color:#fff;padding:10px 16px;border-radius:999px;font-weight:600;font-size:13px;line-height:1.25;text-align:center}
@media(max-width:560px){
  .cards,.vals,.service .who{grid-template-columns:1fr}
  .panel{padding:30px 24px}
  .btn{display:block;width:100%;margin-right:0}
  .btns{display:block}
  .bar .cta-m{padding:8px 12px;font-size:12px}
  .strip .in{flex-direction:column}
  .nf .big{font-size:72px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}a.card:hover{transform:none}}
@media print{header.site,.cta-band,.skip{display:none}body{color:#000}.hero,.dark,.page-head,footer.site{background:#fff!important;color:#000!important}}
.about h1{font-size:clamp(34px,6vw,48px);margin-bottom:18px}
.info{display:grid;grid-template-columns:repeat(2,1fr);gap:0 56px}
.vals.three{grid-template-columns:repeat(3,1fr)}
.vals.three h3{font-size:clamp(20px,2.4vw,24px);margin:0}
.panel.b2b .eyebrow{margin-bottom:10px}
.contact .box{background:var(--paper);border-radius:18px;padding:30px 28px}
.contact .box p{font-size:15px;color:var(--ink2)}
@media(max-width:900px){.info{grid-template-columns:1fr}.vals.three{grid-template-columns:1fr}.hero-copy .in{max-width:none}}
.ci>div,.ci>p{margin:0 0 14px;font-size:17px}
.info.ci>div>p{margin:0 0 14px}.info.ci>div>div{margin:0 0 14px}
.info.ci div{font-size:17px}
.prose-head{max-width:780px}
.contact .box .h3s{font-size:24px;margin-bottom:8px}
.contact .box .plain{font-size:15px;text-decoration:underline;text-underline-offset:3px}
h1,h2,h3{overflow-wrap:break-word;hyphens:auto}
.page-head.short h1{font-size:clamp(28px,6.5vw,46px)}
.prose{overflow-wrap:break-word;hyphens:auto}
@media(max-width:560px){.eyebrow{font-size:11px;letter-spacing:.12em}}
.dark h2{margin-bottom:36px}
.erst .intro-box{margin-bottom:12px}.erst .intro-box p{margin:0}
.prose .toc{margin-top:36px}
.nf .big{color:#7d7364}
.cta-band{padding:56px var(--gutter)}
.way .alt{padding:10px 0;margin-top:4px}
.cta-band .big{font-family:var(--serif);font-weight:700;color:var(--navy);font-size:clamp(26px,4vw,34px);line-height:1.2;margin:0;max-width:24ch}
/* Downloads */
.dl-list{display:grid;gap:28px}
.dl{display:grid;grid-template-columns:240px 1fr;gap:44px;align-items:start;background:var(--paper);border-radius:22px;padding:40px}
.dl .thumb img{display:block;width:100%;height:auto;border:1px solid var(--wolf);border-radius:3px;box-shadow:0 8px 26px rgba(40,55,76,.16);background:#fff}
.dl h2{font-size:clamp(24px,3.4vw,32px);margin:6px 0 10px}
.dl .body>p{max-width:560px}
.dl .steps{list-style:none;counter-reset:s;margin:20px 0 26px;padding:0;display:grid;gap:10px;max-width:560px}
.dl .steps li{counter-increment:s;position:relative;padding-left:44px;font-weight:500;line-height:1.45;min-height:30px;display:flex;align-items:center}
.dl .steps li:before{content:counter(s);position:absolute;left:0;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--serif);font-weight:700;font-size:15px;display:flex;align-items:center;justify-content:center}
.dl .note{margin:6px 0 0;font-size:14px;color:var(--ink2)}
.fine-more{margin:28px 0 0;color:var(--ink2)}
.fine-more a{text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--delft)}
@media(max-width:900px){.dl{grid-template-columns:1fr;gap:28px;padding:28px 22px}.dl .thumb{max-width:200px}}
.dl .eyebrow{color:var(--delft-text)}