/* =========================================================
   Verspiereen Finance — Stylesheet
   Farbwelt: Navy (#14213D) + Gold (#C8A24B) + helle Flächen
   ========================================================= */
:root{
  --navy:#14213D;
  --navy-2:#1d2d52;
  --navy-3:#2a3c67;
  --gold:#C8A24B;
  --gold-2:#b8923d;
  --ink:#1a2235;
  --body:#41495a;
  --muted:#6b7488;
  --line:#e5e8ef;
  --bg:#ffffff;
  --bg-alt:#f5f7fb;
  --white:#fff;
  --radius:14px;
  --radius-sm:9px;
  --shadow:0 10px 30px rgba(20,33,61,.08);
  --shadow-lg:0 24px 60px rgba(20,33,61,.16);
  --maxw:1180px;
  --font:"Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Fraunces",Georgia,serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);color:var(--body);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
h1,h2,h3{color:var(--ink);line-height:1.18;font-weight:800;letter-spacing:-.02em}
h1{font-size:clamp(2rem,5vw,3.3rem)}
h2{font-size:clamp(1.6rem,3.4vw,2.4rem)}
h3{font-size:1.2rem}
p{margin:0 0 1rem}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.narrow{max-width:860px}
.center{text-align:center}
.mt{margin-top:1.4rem}
.muted{color:var(--muted);font-size:.95rem}
.skip-link{position:absolute;left:-999px;top:0;background:var(--gold);color:#fff;padding:10px 16px;z-index:999}
.skip-link:focus{left:10px;top:10px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-weight:700;font-size:.98rem;padding:.8rem 1.5rem;border-radius:999px;
  border:2px solid transparent;cursor:pointer;transition:.2s;white-space:nowrap}
.btn-lg{padding:1rem 1.9rem;font-size:1.05rem}
.btn-block{display:flex;width:100%}
.btn-primary{background:var(--gold);color:#17120a;border-color:var(--gold)}
.btn-primary:hover{background:var(--gold-2);border-color:var(--gold-2);transform:translateY(-2px)}
.btn-dark{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-dark:hover{background:var(--navy-2);transform:translateY(-2px)}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.35)}
.btn-ghost:hover{background:#fff;color:var(--navy)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--line);transition:.3s}
.site-header.scrolled{box-shadow:0 6px 24px rgba(20,33,61,.08)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:74px;gap:1rem}
.logo{display:flex;align-items:center;gap:.6rem;font-weight:800;font-size:1.18rem;color:var(--navy);letter-spacing:-.02em}
.logo-mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--navy-3));
  color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:1.3rem;font-weight:600}
.logo-text strong{color:var(--gold)}
.logo-light{color:#fff}.logo-light .logo-text strong{color:var(--gold)}

.main-nav{display:flex;align-items:center;gap:1.6rem}
.main-nav>a{font-weight:600;color:var(--ink);font-size:1rem;position:relative;padding:.2rem 0}
.main-nav>a:hover,.main-nav>a.active{color:var(--navy)}
.main-nav>a.active::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:3px;background:var(--gold);border-radius:3px}
.header-actions{display:flex;align-items:center;gap:1rem}
.lang-switch{display:flex;align-items:center;gap:.35rem;font-weight:700;font-size:.9rem}
.lang-switch a{color:var(--muted);padding:.15rem .3rem;border-radius:6px}
.lang-switch a.on{color:var(--navy);background:var(--bg-alt)}
.lang-switch .sep{color:var(--line)}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:6px;cursor:pointer}
.nav-toggle span{width:26px;height:2.5px;background:var(--navy);border-radius:3px;transition:.3s}
.nav-actions-mobile{display:none}

/* ---------- Hero slider ---------- */
.hero{position:relative}
.hero-slider{position:relative;height:clamp(480px,76vh,720px)}
.hero-slide{position:absolute;inset:0;background-size:cover;background-position:center;
  display:flex;align-items:center;opacity:0;visibility:hidden;transition:opacity .9s ease}
.hero-slide.is-active{opacity:1;visibility:visible}
.hero-content{max-width:680px;color:#fff;padding-top:2rem}
.hero-content h1{color:#fff;margin:.6rem 0 1rem}
.hero-lead{font-size:clamp(1.05rem,1.6vw,1.25rem);color:rgba(255,255,255,.9);margin-bottom:1.8rem}
.hero-buttons{display:flex;gap:.9rem;flex-wrap:wrap}
.eyebrow{display:inline-block;font-weight:700;font-size:.82rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold-2)}
.eyebrow-light{color:var(--gold)}
.hero-dots{position:absolute;bottom:22px;left:0;right:0;display:flex;justify-content:center;gap:.5rem;z-index:3}
.hero-dots button{width:11px;height:11px;border-radius:50%;border:0;background:rgba(255,255,255,.45);cursor:pointer;transition:.3s}
.hero-dots button.on{background:var(--gold);width:30px;border-radius:6px}

/* ---------- USP band ---------- */
.usp-band{background:var(--navy);color:#fff}
.usp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;padding:1.3rem 20px}
.usp{display:flex;align-items:center;gap:.7rem;font-weight:600;font-size:.98rem;justify-content:center}
.usp-ic{width:26px;height:26px;fill:var(--gold);flex:none}

/* ---------- Sections ---------- */
.section{padding:clamp(3.5rem,7vw,6rem) 0}
.section-alt{background:var(--bg-alt)}
.section-dark{background:var(--navy);color:#fff}
.section-head{max-width:760px;margin:0 auto 2.8rem;text-align:center}
.section-head h2{margin:.5rem 0 .6rem}
.section-head-light h2{color:#fff}
.section-sub{color:var(--muted);font-size:1.1rem}
.section-head-light .section-sub{color:rgba(255,255,255,.75)}

/* ---------- Rate highlight ---------- */
.rate-grid{display:grid;grid-template-columns:230px 1fr;gap:3rem;align-items:center}
.rate-badge-big{background:linear-gradient(135deg,var(--navy),var(--navy-3));color:#fff;border-radius:24px;
  padding:2.4rem 1rem;text-align:center;box-shadow:var(--shadow-lg)}
.rate-num{display:block;font-family:var(--serif);font-size:4.6rem;font-weight:600;color:var(--gold);line-height:1}
.rate-num small{font-size:2rem}
.rate-label{display:block;margin-top:.6rem;font-weight:600;font-size:.95rem;color:rgba(255,255,255,.85)}
.rate-copy h2{margin:.5rem 0 1.3rem}

/* ---------- Split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3.2rem;align-items:center}
.split-reverse .split-media{order:2}
.split-media img{border-radius:var(--radius);box-shadow:var(--shadow-lg);width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.split-body .lead{font-size:1.2rem;color:var(--ink);font-weight:600}
.check-list{list-style:none;margin:1.3rem 0 1.8rem}
.check-list li{position:relative;padding-left:2rem;margin-bottom:.7rem;font-weight:500;color:var(--ink)}
.check-list li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;
  background:var(--gold);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23fff'%3E%3Cpath d='M9 16.2l-3.5-3.5L4 14.2 9 19.2 20 8.2l-1.5-1.5z'/%3E%3C/svg%3E");
  background-size:16px;background-repeat:no-repeat;background-position:center}

/* ---------- Loan grid ---------- */
.loan-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:1.6rem}
.loan-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow);transition:.25s;display:flex;flex-direction:column}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.loan-media{height:150px;background-size:cover;background-position:center}
.loan-body{padding:1.3rem 1.4rem 1.5rem}
.loan-body h3{margin-bottom:.5rem}
.loan-body h3 a{color:var(--ink)}
.loan-body h3 a:hover{color:var(--gold-2)}
.loan-body p{font-size:.96rem;color:var(--muted);margin-bottom:1rem}
.loan-link{font-weight:700;color:var(--gold-2);font-size:.95rem}
.loan-link:hover{color:var(--navy)}

/* ---------- Simulator ---------- */
.sim-card{display:grid;grid-template-columns:1.2fr 1fr;gap:0;max-width:960px;margin:0 auto;
  background:#fff;border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg);color:var(--ink)}
.sim-controls{padding:2.2rem}
.sim-field{margin-bottom:1.7rem}
.sim-field>label{display:block;font-weight:700;color:var(--ink);margin-bottom:.5rem}
.sim-value{font-family:var(--serif);font-size:1.6rem;font-weight:600;color:var(--navy);margin-bottom:.4rem}
.sim-field select{width:100%;padding:.75rem .9rem;border:1.5px solid var(--line);border-radius:var(--radius-sm);font:inherit;color:var(--ink);background:#fff}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;
  background:var(--line);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;
  background:var(--gold);border:3px solid #fff;box-shadow:0 2px 8px rgba(20,33,61,.3);cursor:pointer}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--gold);border:3px solid #fff;cursor:pointer}
.sim-minmax{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted);margin-top:.4rem}
.sim-note{font-size:.8rem;color:var(--muted);margin-top:1.2rem}
.sim-result{background:linear-gradient(160deg,var(--navy),var(--navy-3));color:#fff;padding:2.2rem;display:flex;flex-direction:column}
.sim-monthly{text-align:center;padding-bottom:1.4rem;border-bottom:1px solid rgba(255,255,255,.15);margin-bottom:1.4rem}
.sim-monthly-label{display:block;font-size:.9rem;color:rgba(255,255,255,.75);margin-bottom:.3rem}
.sim-monthly-value{font-family:var(--serif);font-size:3rem;font-weight:600;color:var(--gold);line-height:1}
.sim-breakdown{display:flex;flex-direction:column;gap:.85rem;margin-bottom:1.6rem}
.sim-breakdown>div{display:flex;justify-content:space-between;align-items:center;font-size:.96rem}
.sim-breakdown dt{color:rgba(255,255,255,.75)}
.sim-breakdown dd{font-weight:700}
.sim-result .btn{margin-top:auto}

/* ---------- Steps / timeline ---------- */
.steps{display:flex;flex-direction:column;gap:1.3rem}
.step{display:flex;gap:1.1rem;align-items:flex-start}
.step-num{flex:none;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);
  display:grid;place-items:center;font-weight:800;font-size:1.1rem}
.step h3{margin-bottom:.2rem}
.step p{color:var(--muted);margin:0}
.timeline{position:relative;padding-left:2.5rem}
.timeline::before{content:"";position:absolute;left:21px;top:10px;bottom:10px;width:2px;background:var(--line)}
.timeline-item{position:relative;margin-bottom:2rem}
.timeline-num{position:absolute;left:-2.5rem;width:44px;height:44px;border-radius:50%;
  background:var(--gold);color:#17120a;display:grid;place-items:center;font-weight:800;z-index:1}
.timeline-body h3{margin-bottom:.3rem}
.timeline-body p{color:var(--muted);margin:0}

/* ---------- FAQ ---------- */
.faq{display:flex;flex-direction:column;gap:.8rem}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden}
.faq-item summary{list-style:none;cursor:pointer;padding:1.1rem 1.3rem;font-weight:700;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.5rem;color:var(--gold-2);font-weight:400;flex:none}
.faq-item[open] summary::after{content:"–"}
.faq-a{padding:0 1.3rem 1.2rem;color:var(--muted)}
.faq-a p{margin:0}

/* ---------- CTA band ---------- */
.cta-band{position:relative;background:var(--cta-img) center/cover no-repeat;color:#fff;text-align:center}
.cta-band::before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(20,33,61,.92),rgba(20,33,61,.92))}
.cta-inner{position:relative;padding:clamp(3.5rem,7vw,5.5rem) 20px;max-width:720px;margin:0 auto}
.cta-inner h2{color:#fff;margin-bottom:.8rem}
.cta-inner p{color:rgba(255,255,255,.85);font-size:1.1rem;margin-bottom:1.8rem}
.cta-buttons{display:flex;gap:.9rem;justify-content:center;flex-wrap:wrap}

/* ---------- Page hero ---------- */
.page-hero{background:var(--navy) center/cover no-repeat;color:#fff;padding:clamp(3rem,7vw,5rem) 0;text-align:center}
.page-hero-sm{padding:clamp(2.2rem,5vw,3.5rem) 0}
.page-hero h1{color:#fff;margin:.5rem 0}
.page-hero-sub{color:rgba(255,255,255,.82);font-size:1.1rem;max-width:620px;margin:0 auto}

/* ---------- Values ---------- */
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.value-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow)}
.value-card h3{color:var(--gold-2);margin-bottom:.5rem}

/* ---------- Loan detail ---------- */
.loan-detail{display:grid;grid-template-columns:1fr 1fr;gap:2.6rem;align-items:center;padding:2.5rem 0;border-bottom:1px solid var(--line);scroll-margin-top:90px}
.loan-detail.is-reverse .loan-detail-media{order:2}
.loan-detail-media img{border-radius:var(--radius);box-shadow:var(--shadow);aspect-ratio:3/2;object-fit:cover;width:100%}
.pill{display:inline-block;background:var(--bg-alt);color:var(--navy);font-weight:700;font-size:.8rem;
  padding:.3rem .8rem;border-radius:999px;margin-bottom:.7rem;border:1px solid var(--line)}
.loan-detail-body h2{margin-bottom:.6rem}

/* ---------- Forms ---------- */
.form{max-width:720px;margin:0 auto}
.card-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2.2rem;box-shadow:var(--shadow)}
.form-section-title{font-size:1.15rem;margin:1.8rem 0 1.1rem;padding-bottom:.6rem;border-bottom:2px solid var(--gold);color:var(--navy)}
.form-section-title:first-child{margin-top:0}
.field{margin-bottom:1.1rem}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.field-row.three{grid-template-columns:1fr 1fr 1fr}
.field label{display:block;font-weight:600;margin-bottom:.4rem;color:var(--ink);font-size:.95rem}
.field input,.field select,.field textarea{width:100%;padding:.8rem .95rem;border:1.5px solid var(--line);
  border-radius:var(--radius-sm);font:inherit;color:var(--ink);background:#fff;transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,162,75,.18)}
.req{color:#c0392b}
.radio-row{display:flex;gap:1.4rem;flex-wrap:wrap}
.radio{display:flex;align-items:center;gap:.5rem;font-weight:500;cursor:pointer}
.radio input{width:auto}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.9rem;color:var(--muted);margin:1.2rem 0 1.4rem}
.consent input{width:auto;margin-top:.25rem;flex:none}
.estimate-box{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;
  background:var(--bg-alt);border:1px dashed var(--gold);border-radius:var(--radius-sm);padding:1rem 1.2rem;margin:1.2rem 0}
.estimate-box strong{font-family:var(--serif);font-size:1.7rem;color:var(--navy)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:3rem;align-items:start}
.contact-list{list-style:none;margin:1rem 0 1.5rem;line-height:2}
.contact-form-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}

/* ---------- Alerts ---------- */
.alert{border-radius:var(--radius-sm);padding:1.1rem 1.3rem;margin-bottom:1.4rem;font-size:.98rem}
.alert-ok{background:#ecf8f0;border:1px solid #a9dcc0;color:#1d6b42}
.alert-ok h2,.alert-ok h3{color:#1d6b42;margin-bottom:.4rem}
.alert-err{background:#fdeceb;border:1px solid #f1b7b2;color:#a23228}
.alert.big{text-align:center;padding:2.5rem}

/* ---------- Misc ---------- */
.legal-note{font-size:.78rem;color:var(--muted);line-height:1.6;margin-top:2rem;padding-top:1.2rem;border-top:1px solid var(--line)}
.legal-page h1{margin-bottom:1.2rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:rgba(255,255,255,.72)}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2.4rem;padding:3.5rem 20px 2.5rem}
.footer-brand p{margin:1rem 0;font-size:.95rem;max-width:34ch}
.footer-contact{list-style:none;font-size:.92rem;line-height:1.9}
.footer-contact a{color:var(--gold)}
.footer-col h3{color:#fff;font-size:1rem;margin-bottom:1rem}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:.55rem}
.footer-col a{color:rgba(255,255,255,.72);font-size:.93rem}
.footer-col a:hover{color:var(--gold)}
.footer-lang{margin-top:1rem}
.footer-lang a{color:rgba(255,255,255,.6)}
.footer-lang a.on{color:var(--gold);background:transparent}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:1.3rem 0;font-size:.88rem;text-align:center}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .main-nav{position:fixed;inset:74px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;
    gap:0;padding:1rem 20px 1.6rem;border-bottom:1px solid var(--line);box-shadow:var(--shadow-lg);
    transform:translateY(-130%);transition:.35s;max-height:calc(100vh - 74px);overflow:auto}
  .main-nav.open{transform:translateY(0)}
  .main-nav>a{padding:.9rem 0;border-bottom:1px solid var(--line)}
  .main-nav>a.active::after{display:none}
  .nav-actions-mobile{display:block;margin-top:1.2rem}
  .nav-actions-mobile .lang-switch{justify-content:center;margin-top:1rem;gap:1rem}
  .header-actions .lang-switch,.header-actions .btn{display:none}
  .nav-toggle{display:flex}
  .nav-toggle.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .nav-toggle.open span:nth-child(2){opacity:0}
  .nav-toggle.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .split,.rate-grid,.sim-card,.contact-grid,.loan-detail,.loan-detail.is-reverse{grid-template-columns:1fr}
  .split-reverse .split-media,.loan-detail.is-reverse .loan-detail-media{order:0}
  .rate-grid{gap:1.8rem;text-align:center}
  .rate-badge-big{max-width:260px;margin:0 auto}
  .usp-grid{grid-template-columns:1fr;gap:.7rem;text-align:left}
  .usp{justify-content:flex-start}
  .values-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  body{font-size:16px}
  .field-row,.field-row.three{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hero-buttons .btn,.cta-buttons .btn{flex:1 1 auto}
  .card-form{padding:1.4rem}
}