/* Sachwertpartner Stefan Alt – swp24.de | eigenständiges Design, Schriften lokal (keine Google-Fonts) */
@font-face{font-family:"Cormorant Garamond";font-weight:400;font-style:normal;font-display:swap;src:url(fonts/cormorant-garamond-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Cormorant Garamond";font-weight:500;font-style:normal;font-display:swap;src:url(fonts/cormorant-garamond-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Cormorant Garamond";font-weight:600;font-style:normal;font-display:swap;src:url(fonts/cormorant-garamond-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Cormorant Garamond";font-weight:400;font-style:italic;font-display:swap;src:url(fonts/cormorant-garamond-latin-400-italic.woff2) format("woff2")}
@font-face{font-family:"Cormorant Garamond";font-weight:500;font-style:italic;font-display:swap;src:url(fonts/cormorant-garamond-latin-500-italic.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-weight:400;font-style:normal;font-display:swap;src:url(fonts/plus-jakarta-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-weight:500;font-style:normal;font-display:swap;src:url(fonts/plus-jakarta-sans-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-weight:600;font-style:normal;font-display:swap;src:url(fonts/plus-jakarta-sans-latin-600-normal.woff2) format("woff2")}

:root{
  --ink:#14161a;          /* Graphit */
  --ink-2:#1c1f24;
  --paper:#f5f2ec;        /* warmes Off-White */
  --paper-2:#ece7dd;
  --line:#d9d2c3;
  --gold:#c9a86a;         /* Champagner-Gold (auf Dunkel) */
  --gold-deep:#8a6a2c;    /* Gold auf hellem Grund, kontrastsicher */
  --text:#23262b;
  --muted:#5d6168;
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;
  --sans:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --maxw:1120px;
  --gutter:clamp(20px,5vw,48px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font:400 16px/1.7 var(--sans);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--ink);padding:8px 14px;z-index:100}
.skip:focus{left:8px}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter)}

/* ---------- Kopfzeile ---------- */
.top{position:fixed;inset:0 0 auto 0;z-index:50;background:rgba(20,22,26,.86);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid rgba(201,168,106,.18)}
.top .wrap{display:flex;align-items:center;gap:28px;height:68px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff;flex:none}
.brand .mark{width:38px;height:38px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;font:500 17px/1 var(--serif);color:var(--gold);letter-spacing:.04em}
.brand .name{font:500 15px/1.15 var(--sans);letter-spacing:.14em;text-transform:uppercase}
.brand .name small{display:block;font:400 10.5px/1.3 var(--sans);letter-spacing:.2em;color:rgba(255,255,255,.55);margin-top:3px}
.brand .wm{height:30px;width:auto;display:block}
.brand .wm + .name{font:500 10.5px/1.2 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.62);padding-left:14px;border-left:1px solid rgba(201,168,106,.4)}
.nav{display:flex;gap:22px;margin-left:auto;align-items:center}
.nav a{white-space:nowrap;font:500 11.5px/1 var(--sans);letter-spacing:.17em;text-transform:uppercase;text-decoration:none;color:rgba(255,255,255,.78);padding:6px 0;border-bottom:1px solid transparent;transition:color .2s,border-color .2s}
.nav a:hover{color:#fff;border-color:var(--gold)}
.btn{display:inline-block;font:600 11.5px/1 var(--sans);letter-spacing:.17em;text-transform:uppercase;text-decoration:none;padding:15px 24px;border-radius:2px;background:linear-gradient(135deg,#d8bb82,#b48f4d);color:#17140d;border:0;cursor:pointer;transition:transform .2s,box-shadow .2s}
.btn:hover{transform:translateY(-1px);box-shadow:0 8px 22px rgba(0,0,0,.28)}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}
.btn.ghost:hover{border-color:var(--gold);box-shadow:none}
.nav .btn{padding:12px 18px;color:#17140d;border-bottom:0}
.nav .btn:hover{color:#17140d}
.burger{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.35);color:#fff;border-radius:2px;padding:9px 12px;font:500 11px/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;cursor:pointer}

/* ---------- Hero ---------- */
.hero{position:relative;min-height:min(92vh,820px);display:flex;align-items:center;background-color:var(--ink);color:#fff;padding:120px 0 70px;overflow:hidden}
.hero::before{content:"";position:absolute;top:0;right:0;bottom:0;width:min(58%,860px);background:url(hero.jpg) right center/cover no-repeat;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 48%);mask-image:linear-gradient(90deg,transparent 0,#000 48%);opacity:.78}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(20,22,26,.30),rgba(20,22,26,.55));pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.eyebrow{font:500 11.5px/1.5 var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--gold);margin:0 0 22px}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.08;margin:0;letter-spacing:-.005em}
h1{font-size:clamp(46px,7.4vw,92px)}
h1 em,h2 em{font-style:italic;color:var(--gold);font-weight:400}
.hero p.lead{max-width:600px;font-size:clamp(16px,1.5vw,18px);color:rgba(255,255,255,.82);margin:28px 0 36px}
.hero .cta{display:flex;flex-wrap:wrap;gap:14px}
.hero-mark{position:absolute;right:var(--gutter);top:50%;transform:translateY(-50%);width:min(34vw,340px);opacity:.9}
.stats{position:relative;background:var(--ink-2);color:#fff;border-top:1px solid rgba(201,168,106,.25);border-bottom:1px solid rgba(201,168,106,.25)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.stat{padding:34px 20px;text-align:center;border-right:1px solid rgba(255,255,255,.08)}
.stat:last-child{border-right:0}
.stat b{display:block;font:500 clamp(34px,4vw,48px)/1 var(--serif);color:var(--gold)}
.stat span{display:block;margin-top:10px;font:500 10.5px/1.5 var(--sans);letter-spacing:.17em;text-transform:uppercase;color:rgba(255,255,255,.62)}

/* Laufband */
.ticker{background:var(--ink);color:rgba(255,255,255,.55);overflow:hidden;white-space:nowrap;border-bottom:1px solid rgba(201,168,106,.2)}
.ticker div{display:inline-block;padding:15px 0;animation:tick 38s linear infinite}
.ticker span{font:italic 400 22px/1 var(--serif);margin:0 26px}
.ticker i{color:var(--gold);font-style:normal;font-size:10px}
@keyframes tick{to{transform:translateX(-50%)}}

/* ---------- Abschnitte ---------- */
section{padding:clamp(70px,10vw,120px) 0}
.kicker{font:600 11px/1.5 var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--gold-deep);margin:0 0 18px}
h2{font-size:clamp(34px,4.6vw,56px);color:var(--ink)}
h2 em{color:var(--gold-deep)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px)}
.two p{margin:0 0 18px;color:var(--text)}
.intro{max-width:760px;margin-bottom:44px}
.intro p{color:var(--muted);font-size:17px}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border-top:1px solid var(--line)}
.card{padding:28px 30px 30px 0;border-bottom:1px solid var(--line)}
.card:nth-child(even){padding-left:30px;border-left:1px solid var(--line)}
.card h3{font-size:25px;margin-bottom:8px;color:var(--ink)}
.card p{margin:0;color:var(--muted);font-size:15px}
.usp{margin-top:56px;background:var(--ink);color:#fff;padding:clamp(28px,4vw,48px);border-left:3px solid var(--gold)}
.usp .big{font:500 clamp(24px,3vw,36px)/1.3 var(--serif);margin:0;color:#fff}
.usp .big em{font-style:italic;color:var(--gold)}
.usp sup{font:500 12px/1 var(--sans);color:rgba(255,255,255,.6)}
.note{font-size:12.5px;color:var(--muted);margin-top:26px}

.dark{background:var(--ink);color:#fff}
.dark h2{color:#fff}
.dark h2 em{color:var(--gold)}
.dark .kicker{color:var(--gold)}
.dark .intro p,.dark p{color:rgba(255,255,255,.78)}
.gap{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(30px,6vw,80px);align-items:center}
.gapbox{border:1px solid rgba(201,168,106,.4);padding:34px;background:rgba(255,255,255,.03)}
.gapbox .big{font:500 clamp(48px,6vw,72px)/1 var(--serif);color:var(--gold);margin:6px 0 20px}
.gapbox label,.calc label{display:block;font:500 12px/1.4 var(--sans);letter-spacing:.1em;text-transform:uppercase;margin:16px 0 6px;color:rgba(255,255,255,.7)}
.gapbox .row,.calc .row{display:flex;justify-content:space-between;font:500 14px/1 var(--sans)}
.gapbox .row b,.calc .row b{color:var(--gold);font-weight:600}
input[type=range]{width:100%;accent-color:var(--gold)}

.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:start}
.panel{background:#fff;border:1px solid var(--line);padding:32px}
.panel label{color:var(--muted)}
.panel .row b{color:var(--gold-deep)}
.res{display:grid;gap:0;margin-top:6px}
.res div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:15px 0;border-bottom:1px solid var(--line)}
.res div:last-child{border-bottom:0}
.res span{font-size:14px;color:var(--muted)}
.res strong{font:500 30px/1 var(--serif);color:var(--ink)}
.res .hl strong{color:var(--gold-deep);font-size:38px}
.bars{display:flex;align-items:flex-end;gap:14px;height:150px;margin:20px 0 6px;padding-bottom:0;border-bottom:1px solid var(--line)}
.bars div{flex:1;background:var(--paper-2);position:relative;transition:height .25s}
.bars div.me{background:linear-gradient(180deg,#d8bb82,#b48f4d)}
.bars div.in{background:#cfc7b6}
.bars small{position:absolute;bottom:-26px;left:0;right:0;text-align:center;font:500 10.5px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.legal-hint{font-size:12.5px;color:var(--muted);margin-top:34px;max-width:860px}

.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.pillar{background:var(--paper);padding:34px 30px}
.pillar small{display:block;font:600 11px/1 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:14px}
.pillar h3{font-size:27px;margin-bottom:10px;color:var(--ink)}
.pillar p{margin:0;color:var(--muted);font-size:15px}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s}
.step{padding:6px 28px 0 0;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);display:block;font:italic 400 54px/1 var(--serif);color:var(--gold);margin-bottom:12px}
.step h3{font-size:26px;color:#fff;margin-bottom:10px}
.step p{margin:0;font-size:15px;color:rgba(255,255,255,.72)}

.person{display:grid;grid-template-columns:380px 1fr;gap:clamp(30px,6vw,80px);align-items:center}
.portrait{background:linear-gradient(160deg,#23262b,#14161a);border:1px solid rgba(201,168,106,.5);display:grid;place-items:center;padding:clamp(22px,4vw,44px)}
.portrait img{width:100%;height:auto}
.person blockquote{margin:26px 0 0;padding-left:22px;border-left:2px solid var(--gold-deep);font:italic 400 27px/1.35 var(--serif);color:var(--ink)}
.person p{color:var(--text)}
.person .sig{margin-top:22px;font:600 12px/1.6 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}

.contact{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(30px,6vw,80px)}
form .f{margin-bottom:16px}
form label.l{display:block;font:500 12px/1.4 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.7);margin-bottom:6px}
form input[type=text],form input[type=email],form input[type=tel],form select,form textarea{width:100%;padding:13px 14px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.22);color:#fff;font:400 15px/1.4 var(--sans);border-radius:2px}
form select option{color:#111}
form textarea{min-height:110px;resize:vertical}
form .chk{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:rgba(255,255,255,.75)}
form .chk input{margin-top:4px;accent-color:var(--gold)}
form .chk a{color:var(--gold)}
.hp{position:absolute;left:-9999px}
.addr{border:1px solid rgba(201,168,106,.35);padding:30px;align-self:start}
.addr h3{font:600 11px/1 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin:0 0 8px}
.addr p{margin:0 0 22px;color:#fff}
.addr a{text-decoration:none;border-bottom:1px solid rgba(201,168,106,.5)}

footer{background:#0e0f12;color:rgba(255,255,255,.6);padding:60px 0 34px;font-size:13px}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:34px}
footer h4{font:600 11px/1 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin:0 0 16px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:9px}
footer a{text-decoration:none}
footer a:hover{color:#fff}
footer .small{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:12px;line-height:1.7;color:rgba(255,255,255,.5)}

/* Rechtstexte */
.page{padding:140px 0 80px;min-height:70vh}
.page h1{font-size:clamp(40px,5.5vw,64px);color:var(--ink);margin-bottom:34px}
.page h2{font-size:30px;margin:44px 0 12px}
.page h3{font:600 15px/1.4 var(--sans);letter-spacing:.02em;margin:22px 0 6px;color:var(--ink)}
.page p,.page li{max-width:820px;color:var(--text)}
.page ul{padding-left:20px}
.page .todo{background:#fff4c9;padding:1px 6px;border-radius:2px}

/* ---------- Mobil ---------- */
@media (max-width:1180px){.brand .wm + .name{display:none}}
@media (max-width:960px){
  .nav{position:absolute;left:0;right:0;top:68px;background:var(--ink);flex-direction:column;align-items:flex-start;gap:0;padding:8px var(--gutter) 22px;display:none;border-bottom:1px solid rgba(201,168,106,.25)}
  .nav.open{display:flex}
  .nav a{padding:14px 0;width:100%;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav .btn{margin-top:14px;text-align:center;width:100%}
  .burger{display:block}
  .hero-mark{display:none}
  .hero::before{width:100%;opacity:.32;-webkit-mask-image:none;mask-image:none;background-position:60% center}
  .stats .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stat{padding:26px 12px}
  .stat span{letter-spacing:.1em;overflow-wrap:anywhere}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.08)}
  .two,.gap,.calc-wrap,.contact,.person{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .card,.card:nth-child(even){padding:24px 0;border-left:0}
  .pillars{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr;gap:34px 0}
  .portrait{max-width:300px}
  footer .cols{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){
  .steps{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr}
  .panel{padding:22px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.ticker div{animation:none}}