:root {
  --ink: #171412;
  --muted: #6c635b;
  --paper: #fbfaf7;
  --soft: #f0ece5;
  --line: #ded7cc;
  --accent: #8f633f;
  --accent-dark: #68442d;
  --green: #2f5d50;
  --white: #fff;
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }

img { max-width: 100%; display: block; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 56px);
  background: rgba(251, 250, 247, .92);
  border-bottom: 1px solid rgba(222, 215, 204, .85);
  backdrop-filter: blur(14px);
}

.brand img {
  width: 112px;
  height: auto;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: clamp(12px, 2vw, 28px);
  font-size: 15px;
}

.main-nav a {
  color: #2b2520;
  font-weight: 600;
}

.main-nav .nav-cta {
  padding: 10px 16px;
  color: var(--white);
  background: var(--accent-dark);
  border-radius: 6px;
}

.nav-toggle {
  display: none;
  border: 1px solid var(--line);
  background: transparent;
  border-radius: 6px;
  padding: 9px 12px;
  font: inherit;
}

.hero {
  position: relative;
  min-height: 88vh;
  display: grid;
  align-items: end;
  padding: 120px clamp(20px, 7vw, 96px) 74px;
  color: var(--white);
  overflow: hidden;
}

.hero-media,
.hero-shade {
  position: absolute;
  inset: 0;
}

.hero-media {
  background-image: url("https://cdn.prod.website-files.com/678d751c120990d697e6f61d/678d7bf75f15dea8b4c978d2_Richard_Sch%C3%B6n_Versicherungen_Makler_HeroBanner-min.jpg");
  background-size: cover;
  background-position: 58% top;
  transform: scale(1.02);
}

.hero-shade {
  background: linear-gradient(90deg, rgba(13, 11, 9, .82), rgba(13, 11, 9, .42) 50%, rgba(13, 11, 9, .1));
}

.hero-content {
  position: relative;
  max-width: 760px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero .eyebrow { color: #d7b28c; }

h1, h2, h3, p {
  margin-top: 0;
}

h1 {
  margin-bottom: 16px;
  font-size: clamp(56px, 10vw, 128px);
  line-height: .92;
  letter-spacing: 0;
}

h2 {
  font-size: clamp(32px, 5vw, 64px);
  line-height: 1.04;
  letter-spacing: 0;
}

h3 {
  font-size: 24px;
  line-height: 1.18;
}

.hero-lead {
  max-width: 620px;
  color: #f2eae0;
  font-size: clamp(19px, 2.4vw, 28px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 13px 19px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 800;
  cursor: pointer;
}

.button.primary {
  color: var(--white);
  background: var(--accent);
}

.button.primary:hover,
.main-nav .nav-cta:hover {
  background: var(--accent-dark);
}

.button.ghost {
  color: var(--white);
  border-color: rgba(255,255,255,.55);
  background: rgba(255,255,255,.12);
}

.button.whatsapp {
  gap: 9px;
  background: rgba(37, 211, 102, .16);
  border-color: rgba(37, 211, 102, .72);
}

.button.whatsapp svg {
  width: 22px;
  height: 22px;
  flex: 0 0 auto;
  fill: #25d366;
}

.section {
  padding: clamp(64px, 10vw, 124px) clamp(20px, 7vw, 96px);
}

.section-head {
  max-width: 920px;
  margin-bottom: 38px;
}

.intro-grid,
.split,
.contact-section {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, .86fr);
  gap: clamp(32px, 7vw, 86px);
  align-items: start;
}

.intro-grid p {
  font-size: 19px;
  color: #3d362f;
}

.note {
  padding: 18px 20px;
  border-left: 4px solid var(--accent);
  background: var(--soft);
  font-weight: 800;
}

.service-list {
  border-top: 1px solid var(--line);
}

details {
  border-bottom: 1px solid var(--line);
  padding: 22px 0;
}

summary {
  list-style: none;
  cursor: pointer;
  font-size: 24px;
  font-weight: 800;
}

summary::-webkit-details-marker { display: none; }

details p {
  margin: 14px 0 0;
  color: var(--muted);
}

.band {
  background: #e9e4dc;
}

.cards {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  min-width: 0;
}

.card {
  min-width: 0;
  min-height: 260px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  transition: transform .2s ease, box-shadow .2s ease;
  overflow-wrap: anywhere;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 44px rgba(45, 37, 29, .12);
}

.card span {
  color: var(--green);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.card p {
  color: var(--muted);
}

.blog-teaser-section {
  background: var(--paper);
}

.blog-teaser-grid,
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.blog-card {
  min-width: 0;
  display: grid;
  gap: 14px;
  align-content: start;
  min-height: 235px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  overflow-wrap: anywhere;
}

.blog-card:hover {
  border-color: rgba(143, 99, 63, .55);
  box-shadow: 0 16px 38px rgba(45, 37, 29, .1);
}

.blog-card span,
.article-meta {
  color: var(--green);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.blog-card p {
  color: var(--muted);
}

.text-link {
  display: inline-flex;
  margin-top: 24px;
  color: var(--accent-dark);
  font-weight: 900;
  border-bottom: 2px solid currentColor;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  border-top: 1px solid var(--line);
}

.timeline div {
  padding: 28px 22px 10px 0;
  border-right: 1px solid var(--line);
}

.timeline div:last-child { border-right: 0; }

.timeline strong {
  display: block;
  margin-bottom: 10px;
  font-size: 21px;
}

.portrait {
  width: 100%;
  aspect-ratio: 1.2 / 1;
  object-fit: cover;
  border-radius: 8px;
}

.contact-section {
  background: #1f1a16;
  color: var(--white);
}

.contact-section .eyebrow {
  color: #d7b28c;
}

.contact-copy p {
  color: #e6ddd3;
  font-size: 18px;
}

.contact-facts {
  display: grid;
  gap: 8px;
  margin-top: 24px;
}

.contact-facts a {
  color: #f3d1ad;
  font-weight: 800;
}

.contact-form {
  display: grid;
  gap: 16px;
  padding: 28px;
  color: var(--ink);
  background: var(--paper);
  border-radius: 8px;
}

label {
  display: grid;
  gap: 7px;
  font-weight: 800;
}

input,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 13px 14px;
  font: inherit;
  color: var(--ink);
  background: var(--white);
}

textarea {
  min-height: 130px;
  resize: vertical;
}

.checkbox {
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 10px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 600;
}

.checkbox input {
  width: auto;
  margin-top: 5px;
}

.footer {
  display: grid;
  grid-template-columns: 1.2fr .7fr .9fr;
  gap: 34px;
  padding: 52px clamp(20px, 7vw, 96px);
  background: var(--paper);
  border-top: 1px solid var(--line);
}

.footer img {
  width: 150px;
  margin-bottom: 16px;
}

.footer h2 {
  margin-bottom: 12px;
  font-size: 18px;
}

.footer a {
  display: block;
  margin: 8px 0;
  color: var(--accent-dark);
  font-weight: 800;
}

.subpage-hero {
  padding: 90px clamp(20px, 7vw, 96px) 56px;
  background: #1f1a16;
  color: var(--white);
}

.subpage-hero h1 {
  max-width: 920px;
  font-size: clamp(42px, 7vw, 84px);
}

.subpage-hero p {
  max-width: 760px;
  color: #eadfd3;
  font-size: 21px;
}

.content-page {
  max-width: 1120px;
  margin: 0 auto;
  padding: 70px 20px;
  overflow-wrap: anywhere;
}

.content-page h2 {
  margin-top: 42px;
  font-size: clamp(28px, 4vw, 46px);
}

.article-page {
  max-width: 900px;
}

.article-page h1 {
  margin-bottom: 20px;
  font-size: clamp(42px, 7vw, 82px);
}

.article-page .lead {
  color: #3d362f;
  font-size: 21px;
}

.article-page .cta-box {
  margin-top: 48px;
  padding: 28px;
  border-radius: 8px;
  background: var(--soft);
}

.legal-page h1 {
  font-size: clamp(42px, 7vw, 82px);
}

.legal-page h2 {
  font-size: clamp(24px, 3vw, 34px);
}

.legal-page h3 {
  margin-top: 28px;
}

.content-page li {
  margin: 10px 0;
}

@media (max-width: 980px) {
  .nav-toggle { display: inline-flex; }
  .main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 10px 20px 20px;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
  }

  .main-nav.open { display: flex; }
  .main-nav a { padding: 12px 0; }
  .main-nav .nav-cta { text-align: center; padding: 12px 16px; }
  .intro-grid,
  .split,
  .contact-section,
  .footer {
    grid-template-columns: 1fr;
  }

  .cards,
  .blog-teaser-grid,
  .blog-grid,
  .timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 620px) {
  .hero {
    min-height: 84vh;
    padding-top: 96px;
  }

  .brand img { width: 92px; }
  .hero-media {
    background-position: 63% top;
  }

  .cards,
  .blog-teaser-grid,
  .blog-grid,
  .timeline {
    grid-template-columns: 1fr;
  }

  .timeline div {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .contact-form {
    padding: 20px;
  }
}