/* ApoKredit Homepage */
@font-face{font-family:Garet;font-weight:400;font-style:normal;font-display:swap;src:url(../fonts/Garet-Regular.woff2) format("woff2")}
@font-face{font-family:Garet;font-weight:500;font-style:normal;font-display:swap;src:url(../fonts/Garet-Medium.woff2) format("woff2")}
@font-face{font-family:Garet;font-weight:700;font-style:normal;font-display:swap;src:url(../fonts/Garet-Bold.woff2) format("woff2")}
@font-face{font-family:Garet;font-weight:800;font-style:normal;font-display:swap;src:url(../fonts/Garet-ExtraBold.woff2) format("woff2")}

:root{
  --turquoise:#24A89D; --petrol:#07383E; --mint:#E7F5F2; --white:#fff; --slate:#567073;
  --line:#CFE3DF; --radius:24px; --radius-card:20px; --gutter:48px; --header:92px;
  --font:Garet,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header) + 16px)}
body{margin:0;font-family:var(--font);font-weight:400;font-size:17.5px;line-height:1.6;color:var(--petrol);background:var(--white);-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto}
h1,h2,h3{margin:0;color:var(--petrol);line-height:1.12}
h1{font-weight:700;font-size:clamp(34px,min(3.6vw,7svh),54px);line-height:1.1;letter-spacing:-.01em}
h2{font-weight:700;font-size:clamp(28px,3.2vw,42px);letter-spacing:-.005em}
h3{font-weight:700;font-size:clamp(21px,2vw,26px);line-height:1.2}
p{margin:0 0 1em}
a{color:inherit}
ul,ol{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--turquoise);outline-offset:3px;border-radius:4px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-60px;background:var(--petrol);color:#fff;padding:10px 16px;border-radius:8px;z-index:100}
.skip:focus{top:12px}
.wrap{max-width:calc(1320px + 2 * var(--gutter));margin:0 auto;padding:0 var(--gutter)}
.wrap.narrow{max-width:calc(860px + 2 * var(--gutter))}
.center{text-align:center}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:46px;padding:11px 22px;border-radius:8px;border:1.5px solid var(--petrol);font:500 16.5px/1.2 var(--font);text-decoration:none;cursor:pointer;transition:background-color .2s,color .2s,transform .2s}
.btn-primary{background:var(--petrol);color:#fff}
.btn-primary:hover{background:#0b4a52}
.btn-primary:hover .arr{transform:translateX(3px)}
.btn-secondary{background:transparent;color:var(--petrol)}
.arr{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s;flex:none}
.link{font-weight:500;text-decoration:underline;text-decoration-color:var(--turquoise);text-decoration-thickness:2px;text-underline-offset:5px;padding:12px 4px}
.link:hover{text-decoration-color:var(--petrol)}
.cta-group{margin-top:clamp(18px,3.4svh,32px);display:flex;flex-direction:column;align-items:flex-start}
.cta-group .small{margin:10px 0 0}
.actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px 24px;margin-top:28px}
.actions.center{justify-content:center;margin-top:48px}
.small{font-size:15px;color:var(--slate);margin:14px 0 0}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);height:var(--header)}
.header-inner{height:100%;padding-bottom:6px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:block;flex:none}
.logo-full{width:260px;height:auto}
.logo-icon{display:none}
.menu-btn{display:none}
.nav{display:flex;align-items:center;gap:36px}
.nav ul{display:flex;gap:6px}
.nav li a{display:block;padding:10px 16px;border-radius:8px;text-decoration:none;font-weight:500;transition:background-color .2s}
.nav li a:hover{background:var(--mint)}
.nav-cta{margin-left:8px}

/* Hero & split */
.hero{--hero-pad:clamp(16px,3svh,40px);background:var(--mint);padding:var(--hero-pad) 0;min-height:min(calc(100vh - var(--header)),1000px);min-height:min(calc(100svh - var(--header)),1000px);display:flex}
.hero .wrap{width:100%;display:flex}
.split{display:grid;grid-template-columns:1fr 1fr;background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.split-text{padding:clamp(24px,5svh,64px) clamp(32px,4.5vw,64px);display:flex;flex-direction:column;justify-content:center}
.split-media{position:relative;min-height:420px}
.split-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.img-hero{object-position:42% 55%}
.img-heil{object-position:55% 35%}
.split-hero{grid-template-columns:.95fr 1.05fr;flex:1;width:100%}
.split-hero .split-media{order:-1}
.lead{font-size:clamp(17px,1.4vw,19px);margin:clamp(14px,2.6svh,24px) 0 0;max-width:34em}
.checks{margin:clamp(14px,2.6svh,22px) 0 0;display:grid;gap:8px}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:"";position:absolute;left:0;top:.45em;width:16px;height:9px;border-left:2.5px solid var(--turquoise);border-bottom:2.5px solid var(--turquoise);transform:rotate(-45deg) scale(.9)}

/* Sections */
.section{padding:clamp(56px,7vw,104px) 0}
.section-head{margin-bottom:clamp(32px,4vw,48px)}
.section-head p{margin:12px 0 0;color:var(--slate);font-size:19px}
.section-head.center{text-align:center}
#heilberufe{padding-top:clamp(40px,5vw,72px)}
.split-reverse{background:var(--mint);border-color:transparent}
.split-reverse .split-media{order:2}
.split-reverse .split-text{order:1}
.split-reverse h2{margin-bottom:24px}
.strong{font-weight:700}

/* Tabs */
.section-tabs{background:#fff;padding-top:clamp(40px,5vw,72px)}
.tabs{display:grid;grid-template-columns:300px 1fr;gap:0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.tablist{display:flex;flex-direction:column;border-right:1px solid var(--line)}
.tablist [role=tab]{text-align:left;background:#fff;border:0;border-bottom:1px solid var(--line);padding:26px 28px;font:500 19px/1.3 var(--font);color:var(--slate);cursor:pointer;min-height:64px;transition:background-color .2s,color .2s}
.tablist [role=tab]:last-child{border-bottom:0}
.tablist [role=tab]:hover{color:var(--petrol)}
.tablist [role=tab][aria-selected=true]{background:var(--mint);color:var(--petrol);font-weight:700;box-shadow:inset 4px 0 0 var(--turquoise)}
.tablist [role=tab]:focus-visible{outline-offset:-3px}
.tabpanel{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);min-height:460px}
.tp-media{position:relative;min-height:320px}
.tp-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.img-eigen{object-position:50% 40%}
.img-anschluss{object-position:22% 50%}
.img-kapital{object-position:68% 50%}
.tp-text{padding:clamp(28px,3.4vw,48px);display:flex;flex-direction:column;justify-content:center;align-items:flex-start}
.tp-text h3{margin-bottom:16px}
.tp-text .btn{margin-top:8px}
.js .tabpanel[hidden]{display:none}
html:not(.js) .tablist{display:none}
html:not(.js) .tabs{display:block}
html:not(.js) .tabpanel{border-top:1px solid var(--line)}
.tabpanel:focus-visible{outline-offset:-4px}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{border:1px solid var(--line);border-radius:var(--radius-card);padding:36px 32px 32px;background:#fff;transition:border-color .2s,background-color .2s}
.card:hover{border-color:var(--turquoise);background:#fbfefd}
.ico{width:48px;height:48px;fill:none;stroke:var(--turquoise);stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;margin-bottom:24px}
.card h3{margin-bottom:12px}
.card p{margin:0;color:var(--slate)}

/* Steps */
.steps-band{background:var(--mint);padding:clamp(64px,8vw,112px) 0}
.steps-band h2{text-align:center;margin-bottom:clamp(40px,5vw,72px)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;counter-reset:s;position:relative}
.steps::before{content:"";position:absolute;left:8%;right:8%;top:28px;border-top:2px dashed var(--turquoise);opacity:.6}
.steps li{position:relative;text-align:center;padding:0 8px}
.steps .num{display:flex;align-items:center;justify-content:center;width:58px;height:58px;margin:0 auto 24px;border-radius:50%;background:var(--turquoise);color:var(--petrol);font-weight:800;font-size:20px;position:relative}
.steps h3{margin-bottom:10px}
.steps p{color:var(--petrol);margin:0 auto;max-width:21em}

/* FAQ */
.faq h2{margin-bottom:32px;text-align:center}
.acc details{border-bottom:1px solid var(--line)}
.acc details:first-child{border-top:1px solid var(--line)}
.acc summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:22px 4px;font-weight:700;font-size:19px;min-height:64px}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"";flex:none;width:11px;height:11px;border-right:2.5px solid var(--turquoise);border-bottom:2.5px solid var(--turquoise);transform:rotate(45deg);transition:transform .2s;margin-right:6px}
.acc details[open] summary::after{transform:rotate(-135deg)}
.acc details p{margin:0;padding:0 40px 24px 4px;color:var(--slate)}

/* Contact */
.contact{background:var(--mint);padding:clamp(48px,6vw,96px) 0}
.contact-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:24px;align-items:stretch}
.person{background:var(--petrol);color:#fff;border-radius:var(--radius);overflow:hidden;display:grid;grid-template-columns:1fr 1fr}
.person-photo{position:relative;min-height:100%}
.person-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:56% 18%}
.person-text{padding:clamp(24px,3vw,44px) clamp(22px,2.2vw,32px);display:flex;flex-direction:column;justify-content:space-between;gap:32px}
.person h2{color:#fff;font-size:clamp(22px,1.65vw,28px)}
.person .name{font-weight:700;font-size:26px;line-height:1.15;margin:0 0 4px}
.person .role{color:#9BDBD3;font-weight:500;margin:0 0 18px}
.person .small{color:#C5E3DF;margin-top:18px}
.form-card{background:#fff;border-radius:var(--radius);padding:clamp(28px,3.6vw,48px);border:1px solid var(--line)}
.form-card h3{font-size:clamp(24px,2.4vw,30px)}
.form-sub{color:var(--slate);margin:10px 0 24px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:500;font-size:15.5px;margin-bottom:6px}
.req{color:var(--petrol)} .opt{color:var(--slate);font-weight:400}
.field input,.field select,.field textarea{width:100%;min-height:48px;padding:11px 14px;border:1.5px solid #9DB7B3;border-radius:8px;background:#fff;font:400 17px/1.4 var(--font);color:var(--petrol);transition:border-color .2s}
.field textarea{resize:vertical;min-height:90px}
.field input:hover,.field select:hover,.field textarea:hover{border-color:var(--petrol)}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(36,168,157,.45);outline-offset:0;border-color:var(--petrol)}
.field.invalid input{border-color:#B3261E}
.err{color:#B3261E;font-size:15px;margin:6px 0 0;font-weight:500}
.err::before{content:"! ";font-weight:800}
.hp{position:absolute;left:-9999px}
.form-status{margin:18px 0 0;padding:12px 16px;border-radius:8px;background:#FCEBEA;color:#7A1812;font-weight:500;font-size:15.5px}
.form-status.ok{background:var(--mint);color:var(--petrol)}
.form-card .btn{width:100%}
.privacy{margin-top:14px}
.privacy a{color:var(--petrol)}

/* Footer */
.site-footer{padding:56px 0 40px;font-size:15.5px;color:var(--slate)}
.site-footer p{margin:0 0 6px}
.legal-nav ul{display:flex;flex-wrap:wrap;gap:4px 24px;margin-bottom:18px}
.legal-nav a{color:var(--petrol);text-decoration:none;font-weight:500;padding:8px 0;display:inline-block}
.legal-nav a:hover{text-decoration:underline;text-decoration-color:var(--turquoise);text-underline-offset:5px}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid var(--line)}
.foot-top img{width:220px;height:auto}
.foot-top ul{display:flex;flex-wrap:wrap;gap:6px 28px}
.foot-top a{color:var(--petrol);text-decoration:none;font-weight:500;padding:8px 0;display:inline-block}
.foot-top a:hover{text-decoration:underline;text-decoration-color:var(--turquoise);text-underline-offset:5px}

/* Responsive */
@media (max-width:1200px){
  :root{--gutter:28px}
}
@media (max-width:1120px){
  :root{--header:80px}
  .logo-full{width:220px}
  .menu-btn{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border:1.5px solid var(--petrol);background:#fff;border-radius:8px;cursor:pointer;padding:0}
  .bars,.bars::before,.bars::after{display:block;width:22px;height:2px;background:var(--petrol);border-radius:2px;position:relative;transition:transform .2s,background-color .2s}
  .bars::before,.bars::after{content:"";position:absolute;left:0}
  .bars::before{top:-7px}.bars::after{top:7px}
  .menu-btn[aria-expanded=true] .bars{background:transparent}
  .menu-btn[aria-expanded=true] .bars::before{transform:translateY(7px) rotate(45deg)}
  .menu-btn[aria-expanded=true] .bars::after{transform:translateY(-7px) rotate(-45deg)}
  .js .nav{display:none;position:absolute;top:var(--header);left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:12px;padding:12px var(--gutter) 24px;box-shadow:0 12px 24px rgba(7,56,62,.08)}
  .js .nav.open{display:flex}
  .nav ul{flex-direction:column}
  .nav li a{padding:14px 8px;font-size:18px}
  .nav-cta{margin:8px 0 0}
  html:not(.js) .nav{gap:12px}
  html:not(.js) .nav ul{gap:0}
  html:not(.js) .header-inner{flex-wrap:wrap;height:auto;padding-top:10px;padding-bottom:10px}
  .contact-grid{grid-template-columns:1fr}
  .person-photo{min-height:520px}
  .tabs{display:block;border:0;border-radius:0;overflow:visible}
  .tablist{flex-direction:row;flex-wrap:wrap;gap:8px;border:0;margin-bottom:16px}
  .tablist [role=tab]{border:1.5px solid var(--line);border-radius:8px;padding:12px 16px;font-size:16.5px;min-height:46px;text-align:center}
  .tablist [role=tab]:last-child{border-bottom:1.5px solid var(--line)}
  .tablist [role=tab][aria-selected=true]{border-color:var(--turquoise);box-shadow:none}
  .tabpanel{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;min-height:0}
  .tabpanel{grid-template-columns:1fr 1fr}
  .tp-media{min-height:0}
}
@media (max-width:820px){
  :root{--gutter:20px}
  .tabpanel{grid-template-columns:1fr}
  .tp-media{aspect-ratio:16/10}
  body{font-size:17px}
  .split,.split-hero{grid-template-columns:1fr}
  .split-hero .split-media{order:2}
  .split-reverse .split-media{order:2}
  .split-media{min-height:0;aspect-ratio:4/3}
  .hero{min-height:0;padding:20px 0}
  .cards{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr;gap:36px}
  .steps::before{display:none}
  .person{grid-template-columns:1fr}
  .person-photo{min-height:0;aspect-ratio:4/4.6}
  .person-text{gap:24px}
  .acc details p{padding-right:4px}
}
@media (min-width:560px) and (max-width:820px){
  .person-photo{aspect-ratio:16/10}
  .person-photo img{object-position:56% 12%}
}
@media (max-width:420px){
  h1{font-size:34px}
  .actions .btn,.tp-text .btn{width:100%}
}
@media (max-width:359px){
  .logo-full{display:none}
  .logo-icon{display:block}
  .actions .btn{width:100%}
  .tp-text .btn{width:100%}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition-duration:.01ms!important}
}

/* Rechtstexte */
.legal-head{background:var(--mint);padding:clamp(32px,5vw,56px) 0 clamp(28px,4vw,44px)}
.legal-head h1{font-size:clamp(34px,4vw,48px)}
.back{display:inline-block;margin-bottom:16px;padding:8px 0;font-weight:500;text-decoration:none;color:var(--slate)}
.back:hover{color:var(--petrol);text-decoration:underline;text-decoration-color:var(--turquoise);text-underline-offset:5px}
.legal .wrap.narrow{max-width:calc(820px + 2 * var(--gutter))}
.legal-body{padding:clamp(32px,4vw,56px) 0 24px;overflow-wrap:anywhere}
.legal-body h2{font-size:clamp(24px,2.6vw,32px);margin:0 0 14px}
.legal-body h3{font-size:clamp(20px,2vw,24px);margin:2.2em 0 .6em}
.legal-body h4{font-size:18px;margin:1.8em 0 .5em}
.legal-body>h2:not(:first-child){margin-top:2.4em}
.legal-body p{margin:0 0 1em}
.legal-body ul{margin:0 0 1.2em;padding-left:1.3em;list-style:disc}
.legal-body li{margin-bottom:.4em;padding-left:.2em}
.legal-body li::marker{color:var(--turquoise)}
.legal-body a{color:var(--petrol);text-decoration:underline;text-decoration-color:var(--turquoise);text-decoration-thickness:2px;text-underline-offset:4px}
.legal-body a:hover{text-decoration-color:var(--petrol)}
.legal-cta{padding:8px 0 clamp(48px,6vw,80px);margin:0}
.review-note{margin:28px 0 0;padding:14px 16px;border-radius:8px;border:1.5px solid #E0B400;background:#FFF6CC;font-size:15.5px}
.pruefen{background:#FFE680;padding:1px 5px;border-radius:4px;font-weight:500;font-size:.92em}
.legal-nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--turquoise);text-underline-offset:5px}