/* FGP 100 Eu — Shared Styles */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue-50: #eff6ff;
  --blue-100: #dbeafe;
  --blue-200: #bfdbfe;
  --blue-400: #60a5fa;
  --blue-500: #3b82f6;
  --blue-600: #2563eb;
  --blue-700: #1d4ed8;
  --blue-800: #1e40af;
  --blue-900: #1e3a8a;
  --emerald-50: #ecfdf5;
  --emerald-100: #d1fae5;
  --emerald-400: #34d399;
  --emerald-500: #10b981;
  --emerald-600: #059669;
  --emerald-700: #047857;
  --amber-50: #fffbeb;
  --amber-100: #fef3c7;
  --amber-500: #f59e0b;
  --amber-600: #d97706;
  --red-400: #f87171;
  --red-500: #ef4444;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;
  --gray-950: #030712;
  --teal-50: #f0fdfa;
  --teal-600: #0d9488;
  --green-50: #f0fdf4;
  --green-400: #4ade80;
  --orange-50: #fff7ed;
  --orange-400: #fb923c;
  --orange-600: #ea580c;
  --cyan-50: #ecfeff;
  --cyan-600: #0891b2;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.5;
  color: var(--gray-900);
  background: #fff;
}

a { color: inherit; text-decoration: none; }
button { cursor: pointer; border: none; background: none; font: inherit; }
input, textarea, select { font: inherit; }

/* Layout */
.container { max-width: 1280px; margin: 0 auto; padding: 0 1rem; }
@media (min-width: 640px) { .container { padding: 0 1.5rem; } }
@media (min-width: 1024px) { .container { padding: 0 2rem; } }

/* Header */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 50;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(4px);
  border-bottom: 1px solid transparent;
  transition: all 0.3s;
  padding: 1rem 0;
}
.site-header.scrolled {
  background: #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  padding: 0.75rem 0;
  border-bottom-color: var(--gray-200);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.logo-btn { display: flex; align-items: center; gap: 0.5rem; }
.logo-icon {
  width: 36px; height: 36px; background: var(--blue-600); border-radius: 8px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  transition: background 0.2s;
}
.logo-btn:hover .logo-icon { background: var(--blue-700); }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-name { font-weight: 800; color: var(--gray-900); font-size: 1.1rem; letter-spacing: -0.5px; }
.logo-tld { font-size: 0.75rem; color: var(--blue-600); font-weight: 600; letter-spacing: 0.05em; }

.nav-desktop { display: none; align-items: center; gap: 0.25rem; }
@media (min-width: 1024px) { .nav-desktop { display: flex; } }

.nav-link {
  padding: 0.5rem 1rem; border-radius: 8px;
  font-size: 0.875rem; font-weight: 500; color: var(--gray-600);
  transition: all 0.15s;
}
.nav-link:hover { color: var(--gray-900); background: var(--gray-50); }
.nav-link.active { color: var(--blue-600); background: var(--blue-50); }

.dropdown-wrap { position: relative; }
.dropdown-menu {
  display: none; position: absolute; top: 100%; left: 0; margin-top: 4px;
  background: #fff; border-radius: 12px; box-shadow: 0 8px 30px rgba(0,0,0,0.12);
  border: 1px solid var(--gray-100); padding: 0.25rem; min-width: 200px; z-index: 100;
}
.dropdown-wrap:hover .dropdown-menu { display: block; }
.dropdown-item {
  display: block; width: 100%; text-align: left;
  padding: 0.625rem 1rem; font-size: 0.875rem; color: var(--gray-700);
  border-radius: 8px; transition: all 0.15s;
}
.dropdown-item:hover { background: var(--blue-50); color: var(--blue-600); }

.header-cta { display: none; align-items: center; gap: 0.75rem; }
@media (min-width: 1024px) { .header-cta { display: flex; } }
.btn-ghost { padding: 0.625rem 1rem; border-radius: 8px; font-size: 0.875rem; font-weight: 500; color: var(--gray-600); transition: all 0.15s; }
.btn-ghost:hover { color: var(--gray-900); background: var(--gray-50); }
.btn-primary { padding: 0.625rem 1.25rem; border-radius: 8px; font-size: 0.875rem; font-weight: 600; background: var(--blue-600); color: #fff; transition: all 0.15s; box-shadow: 0 1px 3px rgba(37,99,235,0.3); }
.btn-primary:hover { background: var(--blue-700); }

.hamburger { display: flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 8px; color: var(--gray-600); transition: background 0.15s; }
.hamburger:hover { background: var(--gray-100); }
@media (min-width: 1024px) { .hamburger { display: none; } }

.mobile-menu {
  display: none; border-top: 1px solid var(--gray-100); margin-top: 0.75rem; padding-top: 0.75rem;
}
.mobile-menu.open { display: block; }
.mobile-nav { display: flex; flex-direction: column; gap: 0.25rem; }
.mobile-nav-link {
  display: block; width: 100%; text-align: left;
  padding: 0.75rem 1rem; border-radius: 8px; font-size: 0.875rem; font-weight: 500;
  color: var(--gray-700); transition: all 0.15s;
}
.mobile-nav-link:hover, .mobile-nav-link.active { background: var(--blue-50); color: var(--blue-600); }
.mobile-nav-link.indented { padding-left: 2rem; }
.mobile-btn-outline { margin-top: 0.5rem; border: 1.5px solid var(--blue-600); color: var(--blue-600); padding: 0.75rem 1rem; border-radius: 8px; font-size: 0.875rem; font-weight: 600; text-align: center; display: block; transition: all 0.15s; }
.mobile-btn-outline:hover { background: var(--blue-50); }
.mobile-btn-primary { margin-top: 0.25rem; background: var(--blue-600); color: #fff; padding: 0.75rem 1rem; border-radius: 8px; font-size: 0.875rem; font-weight: 600; text-align: center; display: block; transition: all 0.15s; }
.mobile-btn-primary:hover { background: var(--blue-700); }

/* Footer */
.site-footer { background: var(--gray-900); color: var(--gray-300); }
.footer-alert { border-bottom: 1px solid rgba(255,255,255,0.08); padding: 2rem 0; }
.footer-alert-inner { display: flex; flex-direction: column; gap: 1.25rem; }
@media (min-width: 640px) { .footer-alert-inner { flex-direction: row; align-items: center; justify-content: space-between; } }
.footer-alert-title { font-weight: 700; color: #fff; margin-bottom: 0.25rem; }
.footer-alert-sub { font-size: 0.875rem; color: var(--gray-400); }
.footer-email-row { display: flex; gap: 0.5rem; }
.footer-email-input {
  flex: 1; min-width: 0; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 10px; padding: 0.625rem 1rem; font-size: 0.875rem; color: #fff;
  outline: none; transition: border 0.15s;
}
.footer-email-input::placeholder { color: var(--gray-500); }
.footer-email-input:focus { border-color: var(--blue-500); }
.footer-alert-btn {
  background: var(--blue-600); color: #fff; padding: 0.625rem 1rem;
  border-radius: 10px; font-size: 0.875rem; font-weight: 600; transition: background 0.15s;
  white-space: nowrap;
}
.footer-alert-btn:hover { background: var(--blue-500); }

.footer-grid { padding: 3.5rem 0; display: grid; grid-template-columns: 1fr; gap: 2.5rem; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; } }

.footer-brand-desc { font-size: 0.875rem; line-height: 1.6; color: var(--gray-400); margin: 1rem 0 1.25rem; }
.footer-badge { display: flex; align-items: center; gap: 0.5rem; font-size: 0.75rem; color: var(--gray-400); margin-bottom: 0.5rem; }
.footer-pulse { width: 8px; height: 8px; border-radius: 50%; background: #4ade80; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.7;transform:scale(1.1)} }

.footer-col-title { font-weight: 700; color: #fff; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 1rem; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 0.625rem; }
.footer-link { font-size: 0.875rem; color: var(--gray-400); transition: color 0.15s; display: flex; align-items: center; gap: 0; }
.footer-link:hover { color: #fff; }
.footer-contact-item { display: flex; align-items: flex-start; gap: 0.5rem; font-size: 0.875rem; color: var(--gray-400); transition: color 0.15s; margin-bottom: 0.625rem; }
.footer-contact-item:hover { color: #fff; }
.footer-contact-icon { width: 16px; height: 16px; color: var(--gray-600); flex-shrink: 0; margin-top: 2px; }

.footer-bottom { border-top: 1px solid rgba(255,255,255,0.07); padding: 2rem 0; display: flex; flex-direction: column; gap: 1rem; }
@media (min-width: 768px) { .footer-bottom { flex-direction: row; align-items: flex-start; justify-content: space-between; } }
.footer-copy { font-size: 0.75rem; color: var(--gray-500); }
.footer-disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.25); max-width: 600px; line-height: 1.5; }
@media (min-width: 768px) { .footer-disclaimer { text-align: right; } }

/* Page wrapper */
.page-wrap { min-height: 100vh; display: flex; flex-direction: column; }
.main-content { flex: 1; padding-top: 65px; }

/* Section / card utilities */
.section { padding: 4rem 0; }
.section-sm { padding: 2rem 0; }
.card { background: #fff; border-radius: 16px; border: 1px solid var(--gray-200); box-shadow: 0 1px 4px rgba(0,0,0,0.04); padding: 2rem; }
.card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.08); }

/* Chips / badges */
.badge { display: inline-flex; align-items: center; font-size: 0.7rem; font-weight: 600; padding: 0.2rem 0.5rem; border-radius: 999px; }
.badge-blue { background: var(--blue-50); color: var(--blue-600); }
.badge-green { background: var(--emerald-50); color: var(--emerald-600); }
.badge-amber { background: var(--amber-50); color: var(--amber-600); }
.badge-gray { background: var(--gray-100); color: var(--gray-600); }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 0.5rem; border-radius: 10px; font-weight: 600; font-size: 0.875rem; padding: 0.75rem 1.5rem; transition: all 0.15s; cursor: pointer; }
.btn-lg { padding: 0.875rem 2rem; font-size: 1rem; }
.btn-sm { padding: 0.5rem 1rem; font-size: 0.8rem; }
.btn-blue { background: var(--blue-600); color: #fff; border: none; }
.btn-blue:hover { background: var(--blue-500); }
.btn-white-outline { background: rgba(255,255,255,0.1); color: #fff; border: 1px solid rgba(255,255,255,0.1); }
.btn-white-outline:hover { background: rgba(255,255,255,0.2); }
.btn-outline-blue { background: #fff; color: var(--blue-600); border: 1.5px solid var(--blue-600); }
.btn-outline-blue:hover { background: var(--blue-50); }

/* Form elements */
.input {
  width: 100%; padding: 0.625rem 1rem; background: var(--gray-50);
  border: 1px solid var(--gray-200); border-radius: 8px; font-size: 0.875rem;
  outline: none; transition: all 0.15s; color: var(--gray-900);
}
.input:focus { border-color: var(--blue-400); background: #fff; }
.input-search { padding-left: 2.5rem; }

/* Range slider */
input[type=range] { accent-color: var(--blue-600); width: 100%; }

/* Toggle */
.toggle { width: 36px; height: 20px; border-radius: 10px; cursor: pointer; transition: background 0.2s; position: relative; flex-shrink: 0; }
.toggle.on { background: var(--blue-600); }
.toggle.off { background: var(--gray-200); }
.toggle-thumb { position: absolute; top: 2px; width: 16px; height: 16px; background: #fff; border-radius: 50%; box-shadow: 0 1px 3px rgba(0,0,0,0.2); transition: transform 0.2s; }
.toggle.on .toggle-thumb { transform: translateX(18px); }
.toggle.off .toggle-thumb { transform: translateX(2px); }

/* Table */
.table { width: 100%; font-size: 0.875rem; border-collapse: collapse; }
.table th { text-align: left; padding: 0.75rem 1.25rem; font-size: 0.7rem; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.05em; background: var(--gray-50); }
.table th.right { text-align: right; }
.table th.center { text-align: center; }
.table td { padding: 0.875rem 1.25rem; border-top: 1px solid var(--gray-100); }
.table td.right { text-align: right; }
.table td.center { text-align: center; }
.table tr:hover td { background: var(--gray-50); }

/* Accordion */
.accordion-item { border: 1px solid var(--gray-200); border-radius: 12px; overflow: hidden; margin-bottom: 0.75rem; }
.accordion-btn {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 1rem 1.25rem; text-align: left; gap: 1rem; transition: background 0.15s;
}
.accordion-btn:hover { background: var(--gray-50); }
.accordion-title { font-weight: 600; color: var(--gray-900); flex: 1; }
.accordion-icon { flex-shrink: 0; transition: transform 0.2s; color: var(--gray-400); }
.accordion-icon.open { transform: rotate(180deg); }
.accordion-body { display: none; padding: 1rem 1.25rem 1.25rem; border-top: 1px solid var(--gray-100); color: var(--gray-600); font-size: 0.875rem; line-height: 1.7; }
.accordion-body.open { display: block; }

/* Tabs */
.tabs { display: flex; gap: 0.25rem; background: var(--gray-100); padding: 0.25rem; border-radius: 12px; width: fit-content; }
.tab { padding: 0.5rem 1.25rem; border-radius: 8px; font-size: 0.875rem; font-weight: 600; color: var(--gray-500); transition: all 0.15s; cursor: pointer; }
.tab.active { background: #fff; color: var(--gray-900); box-shadow: 0 1px 3px rgba(0,0,0,0.1); }

/* Breadcrumb */
.breadcrumb { display: flex; align-items: center; gap: 0.5rem; font-size: 0.875rem; color: var(--gray-400); margin-bottom: 1rem; }
.breadcrumb a { transition: color 0.15s; }
.breadcrumb a:hover { color: var(--gray-300); }
.breadcrumb-sep { color: var(--gray-600); }

/* Filter pill */
.filter-pill {
  padding: 0.4rem 0.875rem; border-radius: 8px; font-size: 0.875rem; font-weight: 500;
  border: 1px solid var(--gray-200); background: #fff; color: var(--gray-600);
  transition: all 0.15s; cursor: pointer;
}
.filter-pill:hover { border-color: var(--blue-300); color: var(--blue-600); }
.filter-pill.active { background: var(--blue-600); color: #fff; border-color: var(--blue-600); box-shadow: 0 1px 3px rgba(37,99,235,0.3); }

/* Offer card */
.offer-card {
  background: #fff; border: 1px solid var(--gray-200); border-radius: 12px;
  padding: 1.25rem; display: flex; flex-direction: column; gap: 1rem;
  transition: all 0.15s;
}
@media (min-width: 640px) { .offer-card { flex-direction: row; align-items: center; } }
.offer-card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.08); }
.offer-card.top { border-color: var(--blue-200); box-shadow: 0 0 0 1px var(--blue-100); }
.offer-rank { width: 40px; height: 40px; border-radius: 8px; background: var(--gray-100); display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--gray-700); font-size: 0.875rem; flex-shrink: 0; }
.offer-logo { width: 40px; height: 40px; border-radius: 8px; background: var(--blue-600); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.75rem; color: #fff; flex-shrink: 0; }
.offer-info { flex: 1; min-width: 0; }
.offer-bank { font-weight: 700; color: var(--gray-900); }
.offer-sub { font-size: 0.75rem; color: var(--gray-400); margin-top: 2px; }
.offer-stats { display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.offer-rate { font-size: 1.5rem; font-weight: 800; color: var(--blue-600); }
.offer-rate-label { font-size: 0.75rem; color: var(--gray-400); }
.offer-stat-val { font-size: 0.9rem; font-weight: 700; color: var(--gray-900); }
.offer-stat-netto { font-size: 0.9rem; font-weight: 700; color: var(--emerald-600); }
.offer-stat-label { font-size: 0.75rem; color: var(--gray-400); }

/* Modals */
.modal-overlay { position: fixed; inset: 0; background: rgba(0,0,0,0.5); z-index: 200; display: flex; align-items: center; justify-content: center; padding: 1rem; }
.modal-box { background: #fff; border-radius: 20px; max-width: 480px; width: 100%; overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,0.2); }
.modal-header { background: linear-gradient(135deg, #1d4ed8, #1e3a8a); padding: 1.5rem; color: #fff; }
.modal-body { padding: 1.5rem; }

/* Stat boxes */
.stat-box { background: var(--gray-50); border-radius: 12px; padding: 0.75rem; text-align: center; }
.stat-box-label { font-size: 0.7rem; color: var(--gray-400); }
.stat-box-val { font-weight: 700; color: var(--gray-900); font-size: 0.875rem; margin-top: 2px; }

/* Dark section */
.dark-section { background: var(--gray-950); color: #fff; }
.dark-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 16px; padding: 1.5rem; }

/* SVG icon helpers */
.icon { width: 20px; height: 20px; flex-shrink: 0; }
.icon-sm { width: 16px; height: 16px; }
.icon-lg { width: 24px; height: 24px; }

/* Utility */
.text-blue { color: var(--blue-600); }
.text-green { color: var(--emerald-600); }
.text-red { color: var(--red-500); }
.text-amber { color: var(--amber-600); }
.text-gray { color: var(--gray-500); }
.text-muted { color: var(--gray-400); }
.font-bold { font-weight: 700; }
.font-semibold { font-weight: 600; }
.text-sm { font-size: 0.875rem; }
.text-xs { font-size: 0.75rem; }
.text-lg { font-size: 1.125rem; }
.text-xl { font-size: 1.25rem; }
.text-2xl { font-size: 1.5rem; }
.text-3xl { font-size: 1.875rem; }
.text-4xl { font-size: 2.25rem; }
.hidden { display: none; }
.flex { display: flex; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 639px) { .grid-2 { grid-template-columns: 1fr; } }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
@media (max-width: 767px) { .grid-3 { grid-template-columns: 1fr; } }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
@media (max-width: 767px) { .grid-4 { grid-template-columns: 1fr 1fr; } }
.gap-4 { gap: 1rem; }
.gap-6 { gap: 1.5rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1rem; }
.mt-6 { margin-top: 1.5rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-6 { margin-bottom: 1.5rem; }
.mb-8 { margin-bottom: 2rem; }
.p-4 { padding: 1rem; }
.p-6 { padding: 1.5rem; }
.rounded { border-radius: 8px; }
.rounded-xl { border-radius: 12px; }
.rounded-2xl { border-radius: 16px; }
.bg-blue-50 { background: var(--blue-50); }
.bg-gray-50 { background: var(--gray-50); }
.overflow-x-auto { overflow-x: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border-width: 0; }

/* Responsive helpers */
@media (max-width: 1023px) { .hide-mobile { display: none; } }
@media (min-width: 1024px) { .show-mobile { display: none; } }

/* Page layout */
.page-top { padding-top: 65px; min-height: 100vh; background: var(--gray-50); }
.page-header { background: #fff; border-bottom: 1px solid var(--gray-200); }
.page-header .container { padding-top: 2.5rem; padding-bottom: 2.5rem; }
.page-header-inner { display: flex; align-items: center; gap: .75rem; }
.page-header-icon { width: 40px; height: 40px; border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.page-title { font-size: 1.875rem; font-weight: 800; color: var(--gray-900); }
.page-subtitle { font-size: .875rem; color: var(--gray-500); margin-top: .25rem; }

/* Sidebar sticky */
.hidden-mobile { display: none; }
@media (min-width: 1024px) { .hidden-mobile { display: block; } }
.sidebar-sticky { width: 240px; flex-shrink: 0; position: sticky; top: 80px; }
.sidebar-toc { background: #fff; border-radius: 16px; border: 1px solid var(--gray-200); box-shadow: 0 1px 4px rgba(0,0,0,.04); overflow: hidden; }
.sidebar-toc-header { padding: .875rem 1.25rem; border-bottom: 1px solid var(--gray-100); background: var(--gray-50); font-size: .7rem; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: .06em; }
.sidebar-toc-nav { padding: .5rem; }
.toc-btn { width: 100%; text-align: left; padding: .625rem .75rem; border-radius: 8px; font-size: .8125rem; color: var(--gray-600); transition: all .15s; display: flex; align-items: center; gap: .625rem; }
.toc-btn:hover { background: var(--gray-50); color: var(--gray-900); }
.toc-btn.active { background: var(--blue-50); color: var(--blue-700); font-weight: 600; }
.toc-num { font-size: .7rem; font-weight: 700; width: 20px; color: var(--gray-300); }
.toc-num.active { color: var(--blue-500); }

/* Content stack */
.content-stack { display: flex; flex-direction: column; gap: 1.5rem; }

/* Section number */
.section-num { font-size: 2.5rem; font-weight: 900; color: #dbeafe; line-height: 1; flex-shrink: 0; }
.section-title { font-size: 1.5rem; font-weight: 700; color: var(--gray-900); }

/* Feature cards */
.feature-card { border-radius: 12px; padding: 1.25rem; }
.feature-card-blue { background: var(--blue-50); }
.feature-card-green { background: var(--emerald-50); }
.feature-card-amber { background: var(--amber-50); }
.feature-icon { width: 36px; height: 36px; border-radius: 10px; display: flex; align-items: center; justify-content: center; margin-bottom: .75rem; }
.feature-icon-blue { background: #dbeafe; color: var(--blue-600); }
.feature-icon-green { background: #d1fae5; color: var(--emerald-600); }
.feature-icon-amber { background: #fef3c7; color: var(--amber-600); }
.feature-title { font-weight: 700; color: var(--gray-900); margin-bottom: .25rem; font-size: .9375rem; }
.feature-desc { font-size: .8125rem; color: var(--gray-600); line-height: 1.5; }

/* Steps */
.steps-row { display: flex; flex-wrap: wrap; gap: 1rem; }
.step-item { flex: 1; min-width: 120px; }
.step-circle { width: 32px; height: 32px; background: var(--blue-600); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .875rem; margin-bottom: .5rem; }
.step-title { font-weight: 600; color: var(--gray-900); font-size: .875rem; }
.step-desc { font-size: .75rem; color: var(--gray-500); margin-top: .25rem; }
.step-arrow { align-self: center; color: var(--gray-300); font-size: 1.25rem; display: none; }
@media (min-width: 640px) { .step-arrow { display: block; } }

/* Pros/Cons */
.pros-cons-list { display: flex; flex-direction: column; gap: .75rem; }
.pro-item, .con-item { display: flex; gap: .75rem; align-items: flex-start; }
.pro-title { font-size: .875rem; font-weight: 600; color: var(--gray-800); }
.pro-desc { font-size: .75rem; color: var(--gray-500); margin-top: .25rem; }

/* Checklist */
.checklist-item { display: flex; gap: .75rem; padding: 1rem; background: var(--gray-50); border-radius: 12px; align-items: flex-start; }
.checklist-title { font-size: .875rem; font-weight: 600; color: var(--gray-800); display: flex; align-items: center; gap: .375rem; flex-wrap: wrap; }
.checklist-desc { font-size: .75rem; color: var(--gray-500); margin-top: .25rem; }

/* Tranche bars */
.tranche-row { display: flex; align-items: center; gap: .75rem; }
.tranche-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; }
.bar-track { background: var(--gray-200); border-radius: 99px; height: 6px; }
.bar-fill { height: 6px; border-radius: 99px; }

/* Info boxes */
.info-box { border-radius: 12px; padding: 1rem; font-size: .875rem; line-height: 1.6; }
.info-box-blue { background: var(--blue-50); border: 1px solid var(--blue-100); color: #1e40af; }
.info-box-amber { background: var(--amber-50); border: 1px solid var(--amber-100); color: #92400e; }
.info-box-green { background: var(--emerald-50); border: 1px solid var(--emerald-100); color: #065f46; }

/* CTA dark */
.cta-dark { background: var(--gray-950); color: #fff; border-radius: 20px; padding: 2rem; }
.cta-dark-inner { display: flex; flex-wrap: wrap; align-items: center; gap: 1.5rem; justify-content: space-between; }
.cta-dark-title { font-size: 1.25rem; font-weight: 700; margin-bottom: .5rem; }
.cta-dark-desc { color: #d1d5db; font-size: .875rem; line-height: 1.6; }

/* Data table */
.table-wrap { overflow-x: auto; }
.data-table { width: 100%; font-size: .875rem; border-collapse: collapse; }
.data-table th { text-align: left; padding: .75rem 1.25rem; font-size: .7rem; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: .05em; background: var(--gray-50); border-bottom: 1px solid var(--gray-100); white-space: nowrap; }
.data-table td { padding: .875rem 1.25rem; border-top: 1px solid var(--gray-100); color: var(--gray-700); }
.data-table tr:hover td { background: var(--gray-50); }

/* Body text */
.body-text { font-size: .9375rem; color: var(--gray-600); line-height: 1.7; }

/* Gray box */
.bg-gray-box { background: var(--gray-50); }

/* Form */
.form-label { display: block; font-size: .7rem; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: .05em; margin-bottom: .375rem; }
.form-input { width: 100%; padding: .625rem 1rem; background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: 8px; font-size: .875rem; outline: none; transition: all .15s; color: var(--gray-900); }
.form-input:focus { border-color: var(--blue-400); background: #fff; }

/* Stats hero grid (2 cols on mobile, 4 on lg) */
.stats-hero-grid { grid-template-columns: 1fr 1fr; }
@media (min-width: 640px) { .stats-hero-grid { grid-template-columns: repeat(4, 1fr); } }

/* ============================================================
   Popup / Modal
   ============================================================ */
/* =============================================
   WIZARD POPUP
   ============================================= */
@keyframes popup-fade-in { from{opacity:0} to{opacity:1} }
@keyframes popup-slide-up { from{transform:translateY(24px);opacity:0} to{transform:translateY(0);opacity:1} }
@keyframes step-in-right { from{transform:translateX(32px);opacity:0} to{transform:translateX(0);opacity:1} }
@keyframes step-in-left { from{transform:translateX(-32px);opacity:0} to{transform:translateX(0);opacity:1} }
@keyframes spin { to { transform: rotate(360deg); } }

.popup-overlay {
  position: fixed; inset: 0; z-index: 1000;
  background: rgba(0,0,0,.6);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  display: flex; align-items: center; justify-content: center;
  padding: 1rem;
  animation: popup-fade-in .2s ease;
}

.popup-box {
  background: #fff;
  border-radius: 20px;
  width: 100%; max-width: 580px;
  max-height: 92vh;
  overflow: hidden;
  display: flex; flex-direction: column;
  box-shadow: 0 32px 80px rgba(0,0,0,.28);
  position: relative;
  animation: popup-slide-up .28s cubic-bezier(.16,1,.3,1);
}

/* Header */
.popup-header {
  background: linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 60%, #2563eb 100%);
  padding: 1.25rem 1.5rem;
  display: flex; align-items: center; gap: .875rem;
  flex-shrink: 0;
}
.popup-header-logo {
  width: 40px; height: 40px; background: rgba(255,255,255,.15);
  border-radius: 12px; display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.popup-header-text { flex: 1; min-width: 0; }
.popup-title { font-size: 1rem; font-weight: 800; color: #fff; }
.popup-subtitle { font-size: .75rem; color: rgba(255,255,255,.65); margin-top: .125rem; }

.popup-close {
  width: 30px; height: 30px; border-radius: 8px;
  background: rgba(255,255,255,.12); color: #fff;
  display: flex; align-items: center; justify-content: center;
  transition: background .15s; flex-shrink: 0;
}
.popup-close:hover { background: rgba(255,255,255,.22); }

/* Progress bar */
.popup-progress {
  background: rgba(0,0,0,.12);
  height: 3px;
  flex-shrink: 0;
}
.popup-progress-fill {
  height: 100%;
  background: #60a5fa;
  transition: width .35s cubic-bezier(.4,0,.2,1);
}

/* Step indicator strip */
.popup-steps-strip {
  display: flex; align-items: center; justify-content: center;
  gap: .25rem; padding: .875rem 1.5rem .625rem;
  flex-shrink: 0; background: #fff;
  border-bottom: 1px solid var(--gray-100);
  overflow-x: auto;
}
.popup-step-dot {
  width: 28px; height: 28px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .6875rem; font-weight: 700;
  transition: all .2s; flex-shrink: 0;
  background: var(--gray-100); color: var(--gray-400);
  border: 2px solid transparent;
}
.popup-step-dot.done {
  background: var(--blue-50); color: var(--blue-600); border-color: var(--blue-200);
}
.popup-step-dot.active {
  background: var(--blue-600); color: #fff; border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(37,99,235,.2);
}
.popup-step-connector {
  flex: 1; max-width: 20px; height: 2px; border-radius: 1px;
  background: var(--gray-200); flex-shrink: 0;
}
.popup-step-connector.done { background: var(--blue-300); }

/* Scrollable content */
.popup-scroll {
  flex: 1; overflow-y: auto; padding: 1.5rem;
}

/* Step panels */
.popup-step { display: none; }
.popup-step.active {
  display: block;
  animation: step-in-right .22s cubic-bezier(.16,1,.3,1);
}
.popup-step.reverse {
  animation: step-in-left .22s cubic-bezier(.16,1,.3,1);
}

.popup-step-title {
  font-size: 1.25rem; font-weight: 800; color: var(--gray-900);
  margin-bottom: .375rem;
}
.popup-step-sub {
  font-size: .875rem; color: var(--gray-500); line-height: 1.5;
  margin-bottom: 1.5rem;
}

/* Form elements */
.popup-field { margin-bottom: 1rem; }
.popup-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
.popup-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: .5rem; }
@media (max-width: 480px) {
  .popup-row-2 { grid-template-columns: 1fr; }
  .popup-row-3 { grid-template-columns: 1fr 1fr 1fr; }
}

.popup-label {
  display: block; font-size: .6875rem; font-weight: 700;
  color: var(--gray-500); text-transform: uppercase; letter-spacing: .06em;
  margin-bottom: .375rem;
}
.popup-input {
  width: 100%; padding: .6875rem 1rem;
  background: var(--gray-50); border: 1.5px solid var(--gray-200);
  border-radius: 10px; font-size: .875rem; color: var(--gray-900);
  outline: none; transition: border-color .15s, box-shadow .15s, background .15s;
  -webkit-appearance: none; appearance: none; font-family: inherit;
}
.popup-input:focus {
  border-color: var(--blue-500); background: #fff;
  box-shadow: 0 0 0 3px rgba(37,99,235,.1);
}
.popup-input::placeholder { color: var(--gray-400); }
.popup-input option { color: var(--gray-900); }
textarea.popup-input { resize: none; min-height: 80px; }
.popup-input-hint {
  font-size: .75rem; color: var(--gray-400); margin-top: .375rem;
  display: flex; align-items: center; gap: .25rem;
}

/* Radio cards */
.popup-radio-group { display: flex; flex-direction: column; gap: .5rem; }
.popup-radio-card {
  display: flex; align-items: center; gap: .75rem;
  padding: .75rem 1rem; border-radius: 12px;
  border: 1.5px solid var(--gray-200); cursor: pointer;
  transition: border-color .15s, background .15s;
  background: var(--gray-50);
}
.popup-radio-card:hover { border-color: var(--blue-300); background: var(--blue-50); }
.popup-radio-card input[type=radio] { accent-color: var(--blue-600); width: 16px; height: 16px; flex-shrink: 0; }
.popup-radio-card input[type=radio]:checked ~ .popup-radio-label { color: var(--blue-700); font-weight: 600; }
.popup-radio-card:has(input:checked) { border-color: var(--blue-400); background: var(--blue-50); }
.popup-radio-label { font-size: .875rem; color: var(--gray-700); }
.popup-radio-sub { font-size: .75rem; color: var(--gray-400); margin-top: .125rem; }

/* Gender pills */
.popup-gender-row { display: flex; gap: .5rem; flex-wrap: wrap; }
.popup-gender-pill {
  padding: .5rem 1.125rem; border-radius: 99px;
  border: 1.5px solid var(--gray-200); font-size: .875rem; font-weight: 500;
  color: var(--gray-700); cursor: pointer; transition: all .15s;
  background: var(--gray-50);
}
.popup-gender-pill:hover { border-color: var(--blue-300); color: var(--blue-700); background: var(--blue-50); }
.popup-gender-pill.selected { border-color: var(--blue-600); color: var(--blue-700); background: var(--blue-50); font-weight: 700; }

/* Password strength */
.pw-rules { display: flex; flex-direction: column; gap: .25rem; margin-top: .5rem; }
.pw-rule {
  display: flex; align-items: center; gap: .375rem;
  font-size: .75rem; color: var(--gray-400); transition: color .15s;
}
.pw-rule.ok { color: var(--emerald-600); }
.pw-rule-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gray-300); flex-shrink: 0; transition: background .15s;
}
.pw-rule.ok .pw-rule-dot { background: var(--emerald-500); }

/* Checkbox */
.popup-check-row {
  display: flex; align-items: flex-start; gap: .625rem;
  padding: .875rem 1rem; border-radius: 12px;
  border: 1.5px solid var(--gray-200); background: var(--gray-50);
  margin-bottom: .75rem; cursor: pointer;
  transition: border-color .15s;
}
.popup-check-row:hover { border-color: var(--blue-200); }
.popup-check-row input[type=checkbox] { accent-color: var(--blue-600); width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }
.popup-check-text { font-size: .8125rem; color: var(--gray-600); line-height: 1.55; }
.popup-check-text a { color: var(--blue-600); text-decoration: underline; }

/* SMS / OTP code input */
@keyframes otp-shake {
  0%,100%{transform:translateX(0)}
  20%{transform:translateX(-6px)}
  40%{transform:translateX(6px)}
  60%{transform:translateX(-4px)}
  80%{transform:translateX(4px)}
}
.sms-input-row { display: flex; gap: .5rem; justify-content: center; margin: 1.25rem 0; }
.sms-digit {
  width: 46px; height: 56px; border-radius: 12px;
  border: 2px solid var(--gray-200); background: var(--gray-50);
  font-size: 1.5rem; font-weight: 800; color: var(--gray-900);
  text-align: center; outline: none; transition: all .15s;
}
.sms-digit:focus { border-color: var(--blue-500); background: #fff; box-shadow: 0 0 0 3px rgba(37,99,235,.1); }

/* Summary sidebar */
.popup-summary {
  background: var(--gray-50); border-radius: 12px;
  border: 1px solid var(--gray-100);
  padding: 1rem; margin-bottom: 1.25rem;
}
.popup-summary-title {
  font-size: .6875rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; color: var(--gray-400); margin-bottom: .75rem;
}
.popup-summary-row {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: .8125rem; padding: .25rem 0;
  border-bottom: 1px solid var(--gray-100);
}
.popup-summary-row:last-child { border-bottom: none; }
.popup-summary-key { color: var(--gray-500); }
.popup-summary-val { color: var(--gray-800); font-weight: 600; text-align: right; max-width: 55%; }

/* Navigation footer */
.popup-nav {
  display: flex; gap: .625rem; align-items: center;
  padding: 1rem 1.5rem;
  border-top: 1px solid var(--gray-100);
  background: #fff; flex-shrink: 0;
}
.popup-btn-back {
  padding: .75rem 1.25rem; border-radius: 10px;
  border: 1.5px solid var(--gray-200); color: var(--gray-700);
  font-size: .875rem; font-weight: 600; cursor: pointer;
  transition: background .15s, border-color .15s;
  background: #fff; flex-shrink: 0;
}
.popup-btn-back:hover { background: var(--gray-50); border-color: var(--gray-300); }
.popup-btn-next {
  flex: 1; padding: .75rem 1.5rem; border-radius: 10px;
  background: var(--blue-600); color: #fff;
  font-size: .9375rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center; gap: .5rem;
  transition: background .15s, transform .1s, box-shadow .15s;
  box-shadow: 0 4px 14px rgba(37,99,235,.3);
  cursor: pointer; border: none;
}
.popup-btn-next:hover:not(:disabled) { background: var(--blue-700); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(37,99,235,.4); }
.popup-btn-next:active:not(:disabled) { transform: translateY(0); }
.popup-btn-next:disabled { opacity: .6; cursor: not-allowed; transform: none; box-shadow: none; }

.popup-spinner { animation: spin .8s linear infinite; }

/* Trust row */
.popup-trust-row {
  display: flex; flex-wrap: wrap; gap: .375rem .75rem;
  margin-bottom: 1.25rem; padding-bottom: 1.125rem;
  border-bottom: 1px solid var(--gray-100);
}
.popup-trust-item {
  display: flex; align-items: center; gap: .3rem;
  font-size: .72rem; font-weight: 500; color: var(--gray-500);
}

/* Start screen */
.popup-start {
  text-align: center; padding: 1rem 1.5rem 1.5rem;
}
.popup-start-steps {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: .75rem;
  margin: 1.5rem 0;
}
.popup-start-step {
  background: var(--gray-50); border: 1px solid var(--gray-100);
  border-radius: 14px; padding: 1rem .875rem; text-align: center;
}
.popup-start-step-icon {
  width: 40px; height: 40px; border-radius: 12px;
  background: var(--blue-50); display: flex; align-items: center;
  justify-content: center; margin: 0 auto .625rem;
}
.popup-start-step-label { font-size: .8125rem; font-weight: 600; color: var(--gray-700); }
.popup-start-step-sub { font-size: .7rem; color: var(--gray-400); margin-top: .25rem; }

/* Welcome / success screen */
.popup-welcome {
  padding: 2.25rem 1.5rem;
  display: flex; flex-direction: column; align-items: center; text-align: center;
}
.popup-welcome-badge {
  width: 80px; height: 80px; border-radius: 50%;
  background: #ecfdf5; display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
  box-shadow: 0 0 0 8px rgba(16,185,129,.08);
}
.popup-welcome-title { font-size: 1.5rem; font-weight: 900; color: var(--gray-900); margin-bottom: .5rem; }
.popup-welcome-sub { font-size: .9375rem; color: var(--gray-500); line-height: 1.65; max-width: 360px; margin-bottom: 1.5rem; }
.popup-welcome-list { width: 100%; max-width: 340px; display: flex; flex-direction: column; gap: .5rem; margin-bottom: 2rem; }
.popup-welcome-item {
  display: flex; align-items: center; gap: .625rem;
  background: var(--gray-50); border-radius: 10px;
  padding: .75rem 1rem; font-size: .875rem; color: var(--gray-700);
  border: 1px solid var(--gray-100);
}

/* Docs list */
.popup-doc-list { display: flex; flex-direction: column; gap: .375rem; margin-bottom: 1.25rem; }
.popup-doc-item {
  display: flex; align-items: center; gap: .625rem;
  padding: .625rem .875rem; border-radius: 10px;
  background: var(--blue-50); border: 1px solid var(--blue-100);
  font-size: .8125rem; color: var(--blue-700); font-weight: 500;
  cursor: pointer; transition: background .15s;
}
.popup-doc-item:hover { background: var(--blue-100); }

/* Aktionen promo card */
.popup-promo-card {
  border-radius: 14px; padding: 1rem 1.125rem;
  margin-bottom: .75rem; border: 1.5px solid var(--gray-200);
}
.popup-promo-tag { font-size: .65rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--gray-400); margin-bottom: .25rem; }
.popup-promo-title { font-size: 1.125rem; font-weight: 900; color: var(--gray-900); margin-bottom: .25rem; }
.popup-promo-desc { font-size: .8rem; color: var(--gray-500); line-height: 1.55; }

/* Photo upload drop zone */
.wiz-photo-drop {
  border: 2px dashed var(--gray-300); border-radius: 14px;
  padding: 1.25rem; cursor: pointer; text-align: center;
  background: var(--gray-50); transition: border-color .15s, background .15s;
  position: relative; overflow: hidden;
}
.wiz-photo-drop:hover { border-color: var(--blue-400); background: var(--blue-50); }
.wiz-photo-drop.has-photo { border-style: solid; border-color: var(--blue-300); background: #fff; }
.wiz-photo-drop--selfie { min-height: 120px; }

.wiz-photo-placeholder {
  display: flex; flex-direction: column; align-items: center; gap: .375rem;
  color: var(--gray-500); font-size: .875rem; font-weight: 500;
  pointer-events: none;
}
.wiz-photo-hint { font-size: .75rem; color: var(--gray-400); font-weight: 400; }

.wiz-photo-preview {
  position: relative;
}
.wiz-photo-preview img {
  width: 100%; max-height: 180px; object-fit: contain;
  border-radius: 8px; display: block;
}
.wiz-photo-remove {
  position: absolute; top: .375rem; right: .375rem;
  width: 26px; height: 26px; border-radius: 50%;
  background: rgba(0,0,0,.55); color: #fff;
  display: flex; align-items: center; justify-content: center;
  transition: background .15s; z-index: 2;
}
.wiz-photo-remove:hover { background: rgba(220,38,38,.8); }

/* Old compat aliases */
.popup-submit {
  width: 100%; padding: .875rem 1.5rem;
  background: var(--blue-600); color: #fff;
  border-radius: 12px; font-weight: 700; font-size: 1rem;
  display: flex; align-items: center; justify-content: center; gap: .625rem;
  transition: background .15s, transform .1s, box-shadow .15s;
  box-shadow: 0 4px 12px rgba(37,99,235,.35);
  cursor: pointer; border: none;
}
.popup-submit:hover:not(:disabled) { background: var(--blue-700); transform: translateY(-1px); }
.popup-submit:disabled { opacity: .75; cursor: not-allowed; }
.popup-success {
  padding: 2.5rem 1.75rem;
  display: flex; flex-direction: column; align-items: center; text-align: center;
}
.popup-success-icon {
  width: 72px; height: 72px; background: #ecfdf5; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem;
}
.popup-success-title { font-size: 1.25rem; font-weight: 800; color: var(--gray-900); margin-bottom: .5rem; }
.popup-success-desc { font-size: .9rem; color: var(--gray-500); line-height: 1.6; max-width: 340px; }

/* Offer "Zum Angebot" button style inside cards */
.btn-offer {
  display: inline-flex; align-items: center; gap: .375rem;
  padding: .5rem 1rem; border-radius: 8px;
  background: var(--blue-600); color: #fff;
  font-size: .8125rem; font-weight: 600;
  transition: background .15s; cursor: pointer; border: none;
  white-space: nowrap;
}
.btn-offer:hover { background: var(--blue-700); }
.btn-offer-outline {
  background: #fff; color: var(--blue-600);
  border: 1.5px solid var(--blue-200);
}
.btn-offer-outline:hover { background: var(--blue-50); border-color: var(--blue-400); }