/* MG Finanz – schlicht, hell, klar gegliedert (Apple-Stil) */
/* Schrift lokal gehostet (kein Abruf bei Google) */
@font-face{font-family:'Inter';font-style:normal;font-weight:400;font-display:swap;src:url(../schrift/inter-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-weight:400;font-display:swap;src:url(../schrift/inter-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'Inter';font-style:normal;font-weight:500;font-display:swap;src:url(../schrift/inter-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-weight:500;font-display:swap;src:url(../schrift/inter-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'Inter';font-style:normal;font-weight:600;font-display:swap;src:url(../schrift/inter-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-weight:600;font-display:swap;src:url(../schrift/inter-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
:root{
  --bg:#fff;--bg2:#f5f5f7;--ink:#1d1d1f;--muted:#6e6e73;--gray:#86868b;--line:#d2d2d7;
  --accent:#8a6a30;--accent-l:#c8a96a;
  --font:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text","Inter","Helvetica Neue",Arial,sans-serif;
  --r:24px;--r-s:16px;
  --ease:cubic-bezier(.16,1,.3,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:70px;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.47;letter-spacing:-.022em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
main{overflow-x:clip;padding-top:52px}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,p{margin:0}
h1,h2,h3{font-weight:600;letter-spacing:-.03em;line-height:1.07}
::selection{background:rgba(200,169,106,.35)}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:6px}
.skip{position:fixed;left:16px;top:-60px;z-index:300;background:var(--ink);color:#fff;padding:8px 14px;border-radius:980px;font-size:14px;transition:top .2s}
.skip:focus{top:10px}

.wrap{width:min(1080px,calc(100% - 44px));margin:0 auto}
.center{text-align:center}
.gray{color:var(--gray)}

/* Schrift */
.eyebrow{display:block;font-size:clamp(17px,1.5vw,19px);font-weight:600;letter-spacing:-.015em;color:var(--accent);margin-bottom:10px}
.headline{font-size:clamp(42px,7vw,80px);letter-spacing:-.035em;line-height:1.04}
.h2{font-size:clamp(32px,4.6vw,52px);line-height:1.08}
.h3{font-size:21px;letter-spacing:-.02em;line-height:1.2}
.sub{font-size:clamp(18px,1.9vw,22px);line-height:1.4;color:var(--muted);letter-spacing:-.016em;margin-top:18px}
.center .sub{max-width:680px;margin-left:auto;margin-right:auto}
.copy{color:var(--muted);font-size:16px;margin-top:8px}

/* Buttons und Links */
.ctas{display:flex;gap:28px;align-items:center;flex-wrap:wrap;margin-top:32px}
.center .ctas,.intro .ctas{justify-content:center}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 24px;border-radius:980px;background:var(--ink);color:#fff;font-size:17px;letter-spacing:-.022em;border:0;cursor:pointer;font-family:inherit;transition:background .25s,transform .25s var(--ease)}
.btn:hover{background:#000}
.btn:active{transform:scale(.97)}
.btn.white{background:#fff;color:var(--ink)}
.btn.white:hover{background:#e8e8ed}
.more{color:var(--accent);font-size:17px;white-space:nowrap}
.more::after{content:"\203A";display:inline-block;margin-left:6px;transition:transform .3s var(--ease)}
.more:hover{text-decoration:underline;text-underline-offset:3px}
.more:hover::after{transform:translateX(3px)}
.dark .more{color:var(--accent-l)}

/* Kopfzeile */
header{position:fixed;inset:0 0 auto;z-index:50;height:52px;background:rgba(255,255,255,.8);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid rgba(0,0,0,.08)}
nav{width:min(1080px,calc(100% - 44px));height:100%;margin:0 auto;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:10px;font-size:16px;font-weight:600;letter-spacing:-.02em}
.brand img{height:28px;width:auto}
.navlinks{display:flex;align-items:center;gap:34px;font-size:13px;letter-spacing:-.01em}
.navlinks a{color:rgba(0,0,0,.72);transition:color .2s}
.navlinks a:hover,.navlinks a.aktiv{color:#000}
.navlinks .pill{background:var(--ink);color:#fff;padding:6px 14px;border-radius:980px;font-size:12px}
.navlinks .pill:hover{background:#000;color:#fff}
.burger{display:none;width:40px;height:40px;margin-right:-10px;border:0;background:none;cursor:pointer;position:relative}
.burger span{position:absolute;left:12px;right:12px;height:1.5px;background:var(--ink);border-radius:2px;transition:transform .35s var(--ease)}
.burger span:nth-child(1){top:16px}.burger span:nth-child(2){top:23px}
body.menu-open .burger span:nth-child(1){transform:translateY(3.5px) rotate(45deg)}
body.menu-open .burger span:nth-child(2){transform:translateY(-3.5px) rotate(-45deg)}

/* Abschnitte: überall gleicher Aufbau (Kopf mittig, darunter Raster) */
section{padding:clamp(80px,10vw,130px) 0}
.bg2{background:var(--bg2)}
.dark{background:#000;color:#f5f5f7}
.dark .gray,.dark .copy,.dark .sub{color:#a1a1a6}
.head{margin:0 auto clamp(40px,5vw,60px);max-width:760px;text-align:center}
.foot-link{text-align:center;margin-top:clamp(36px,5vw,52px)}

/* Kopfbereich */
.intro{padding:clamp(64px,9vw,110px) 0 0;text-align:center}
.intro .sub{max-width:680px;margin-left:auto;margin-right:auto}
.crumbs{font-size:14px;color:var(--gray);margin-bottom:14px}
.crumbs a:hover{color:var(--ink)}
.stage{margin-top:clamp(44px,6vw,70px)}
.stage figure{margin:0;border-radius:var(--r);overflow:hidden;aspect-ratio:21/9;background:var(--bg2);will-change:transform}
.stage img{width:100%;height:100%;object-fit:cover}
.intro+section{padding-top:clamp(80px,10vw,130px)}

/* Aussage */
.statement{font-size:clamp(26px,3.6vw,42px);font-weight:600;letter-spacing:-.03em;line-height:1.18;max-width:860px;margin:0 auto;text-align:center}
.statement .w{color:#d2d2d7;transition:color .4s}
.statement .w.on{color:var(--ink)}
.statement .w.on.g{color:var(--accent)}

/* Karten-Raster: alle Bilder einer Reihe gleich groß */
.cards{display:grid;gap:20px;grid-template-columns:repeat(var(--cols,3),1fr)}
.cards.c2{--cols:2}.cards.c3{--cols:3}.cards.c4{--cols:4}
.card{display:flex;flex-direction:column;background:#fff;border-radius:var(--r);overflow:hidden;transition:transform .5s var(--ease),box-shadow .5s var(--ease)}
section:not(.bg2) .card{background:var(--bg2)}
a.card:hover{transform:translateY(-4px);box-shadow:0 22px 44px -26px rgba(0,0,0,.22)}
.card .ph{aspect-ratio:4/3;overflow:hidden;background:var(--bg2);flex:none}
.card .ph img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}
a.card:hover .ph img{transform:scale(1.04)}
.card .tx{padding:26px 28px 30px;display:flex;flex-direction:column;flex:1}
.card .num{font-size:13px;font-weight:600;color:var(--accent);margin-bottom:8px;letter-spacing:0}
.card .more{margin-top:auto;padding-top:18px}

/* Ablauf in vier Spalten */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step{background:#fff;border-radius:var(--r);padding:30px 28px 32px}
section:not(.bg2) .step{background:var(--bg2)}
.step .n{width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-size:15px;font-weight:600;margin-bottom:22px}

/* Bild-Text-Reihen */
.features{display:grid;gap:clamp(70px,9vw,110px)}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,6vw,80px);align-items:center}
.feature:nth-child(even) .ph{order:2}
.feature .ph{border-radius:var(--r);overflow:hidden;aspect-ratio:4/3;background:var(--bg2)}
.feature .ph img{width:100%;height:100%;object-fit:cover}
.feature .num{display:block;font-size:14px;font-weight:600;color:var(--accent);margin-bottom:10px}
.feature .sub{font-size:clamp(17px,1.5vw,19px)}
.feature .detail{margin-top:24px;padding-top:20px;border-top:1px solid var(--line)}
.feature .detail b{display:block;font-weight:600}
.feature .detail p{color:var(--muted);margin-top:4px}
.feature .more{display:inline-block;margin-top:22px}

/* Werte */
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:760px;margin:44px auto 0}
.values div{border-top:1px solid #424245;padding-top:16px;font-size:19px;font-weight:600;letter-spacing:-.02em;text-align:left}

/* Ablauf: Bild bleibt stehen */
.sticky-steps{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,7vw,100px);align-items:start}
.sticky-media{position:sticky;top:110px;aspect-ratio:4/5;border-radius:var(--r);overflow:hidden;background:var(--bg2)}
.sticky-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity .8s var(--ease)}
.sticky-media img.on{opacity:1}
.sticky-media .big{position:absolute;left:22px;bottom:22px;z-index:2;background:rgba(255,255,255,.82);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-radius:980px;padding:8px 16px;font-size:14px;font-weight:600}
.ssteps{padding:4vh 0 14vh}
.sstep{min-height:60vh;display:flex;flex-direction:column;justify-content:center;opacity:.28;transition:opacity .6s var(--ease)}
.sstep.on{opacity:1}
.sstep .num{font-size:14px;font-weight:600;color:var(--accent)}
.sstep .h2{margin-top:10px}
.sstep .sub{font-size:clamp(17px,1.5vw,20px)}
.sstep .mimg{display:none}

/* Kontakt */
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(40px,6vw,80px);align-items:start}
.checklist{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:18px}
.checklist li{display:grid;grid-template-columns:34px 1fr;gap:14px;align-items:center;font-size:17px}
.checklist li b{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-size:14px;font-weight:600}
form{display:grid;grid-template-columns:1fr 1fr;gap:18px;background:var(--bg2);border-radius:var(--r);padding:clamp(26px,4vw,40px)}
.field.full{grid-column:1/-1}
label{display:block;font-size:14px;font-weight:500;margin-bottom:7px;letter-spacing:-.01em}
input,textarea,select{width:100%;padding:14px 16px;background:#fff;border:1px solid var(--line);border-radius:12px;color:var(--ink);font:inherit;font-size:17px;letter-spacing:-.02em;transition:border-color .2s,box-shadow .2s;-webkit-appearance:none;appearance:none}
input:focus,textarea:focus,select:focus{outline:none;border-color:var(--accent-l);box-shadow:0 0 0 4px rgba(200,169,106,.22)}
textarea{min-height:150px;resize:vertical}
select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%236e6e73' stroke-width='1.6'/%3E%3C/svg%3E") right 16px center no-repeat;padding-right:40px;cursor:pointer}
.check{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;font-size:14px;font-weight:400;color:var(--muted);line-height:1.45;cursor:pointer}
.check input{width:20px;height:20px;padding:0;margin:1px 0 0;flex:none;cursor:pointer;-webkit-appearance:auto;appearance:auto;accent-color:var(--ink)}
.check a{color:var(--accent);text-decoration:underline;text-underline-offset:2px}
.submit{grid-column:1/-1;justify-self:start}
.form-note{grid-column:1/-1;font-size:14px;color:var(--accent);min-height:1em}

/* Abschluss */
.cta{text-align:center}
.cta .logo{width:clamp(110px,11vw,140px);height:auto;margin:0 auto 28px}

/* Fuß */
footer{border-top:1px solid var(--line);background:var(--bg2);color:var(--muted);font-size:12px;line-height:1.5;letter-spacing:-.01em;padding:44px 0 22px}
footer .inner{width:min(1080px,calc(100% - 44px));margin:0 auto}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:30px;padding-bottom:26px;border-bottom:1px solid var(--line)}
.foot-top .logo{height:72px;width:auto;margin-bottom:14px}
.foot-top p{max-width:320px}
.foot-top h4{margin:0 0 10px;font-size:12px;font-weight:600;color:var(--ink)}
.foot-top ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.foot-top a:hover,.foot-bottom a:hover{color:var(--ink);text-decoration:underline}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:16px}
.foot-bottom .links{display:flex;gap:18px}

/* Ruhige Bewegung */
.js .fade{opacity:0;transform:translateY(24px);transition:opacity 1.1s var(--ease),transform 1.1s var(--ease);transition-delay:var(--d,0s)}
.js .ready .fade{opacity:1;transform:none}
.js .reveal{opacity:0;transform:translateY(36px);transition:opacity 1s var(--ease),transform 1s var(--ease);transition-delay:var(--d,0s)}
.js .reveal.in{opacity:1;transform:none}

@media(max-width:1000px){
  .cards.c4,.steps{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:833px){
  .burger{display:block}
  .navlinks{position:fixed;inset:52px 0 0;height:calc(100dvh - 52px);background:#fff;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);flex-direction:column;align-items:flex-start;justify-content:flex-start;gap:6px;padding:28px 34px;font-size:28px;font-weight:600;letter-spacing:-.025em;opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s}
  .navlinks a{color:var(--ink);opacity:0;transform:translateY(-8px);transition:opacity .4s var(--ease),transform .4s var(--ease);padding:6px 0}
  .navlinks .pill{background:none;color:var(--ink);padding:6px 0;font-size:28px;border-radius:0}
  body.menu-open .navlinks{opacity:1;visibility:visible}
  body.menu-open .navlinks a{opacity:1;transform:none}
  body.menu-open .navlinks a:nth-child(2){transition-delay:.04s}
  body.menu-open .navlinks a:nth-child(3){transition-delay:.08s}
  body.menu-open .navlinks a:nth-child(4){transition-delay:.12s}
  body.menu-open{overflow:hidden}
  .cards.c3,.cards.c2{grid-template-columns:1fr}
  .feature,.sticky-steps,.contact-grid{grid-template-columns:1fr}
  .feature:nth-child(even) .ph{order:0}
  .sticky-media{display:none}
  .ssteps{padding:0}
  .sstep{min-height:0;opacity:1;padding-bottom:56px}
  .sstep .mimg{display:block;border-radius:var(--r-s);overflow:hidden;aspect-ratio:4/3;margin-bottom:22px}
  .sstep .mimg img{width:100%;height:100%;object-fit:cover}
  .stage figure{aspect-ratio:4/3}
  .foot-top{grid-template-columns:1fr 1fr}
  .foot-top>div:first-child{grid-column:1/-1}
}
@media(max-width:560px){
  .cards.c4,.steps{grid-template-columns:1fr}
  .values{grid-template-columns:1fr;max-width:260px}
  form{grid-template-columns:1fr}
  .ctas{gap:20px}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none!important;animation:none!important}
  .js .fade,.js .reveal{opacity:1;transform:none}
  .statement .w{color:var(--ink)}
  html{scroll-behavior:auto}
}
.headline .eyebrow{line-height:1.3;margin-bottom:12px}

/* Gründer */
.people{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.person{background:var(--bg2);border-radius:var(--r);padding:clamp(30px,4vw,44px)}
.person .mono{width:72px;height:72px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-size:22px;font-weight:600;letter-spacing:.02em;margin-bottom:26px}
.person .rolle{display:block;color:var(--accent);font-size:14px;font-weight:600;margin-top:4px}
.person .copy{margin-top:14px;font-size:17px}
.steps.drei{grid-template-columns:repeat(3,1fr)}
@media(max-width:833px){.people,.steps.drei{grid-template-columns:1fr}}

/* Telefon */
.telkarte{display:block;margin-top:30px;background:var(--bg2);border-radius:var(--r);padding:26px 28px;transition:transform .4s var(--ease)}
.telkarte:hover{transform:translateY(-3px)}
.telkarte span{display:block;color:var(--muted);font-size:15px}
.telkarte b{display:block;font-size:clamp(24px,2.6vw,30px);font-weight:600;letter-spacing:-.02em;margin:6px 0 10px;white-space:nowrap}
.telkarte .more{color:var(--accent)}

/* Impressum & Datenschutz */
.intro+section .recht{max-width:760px}
.recht h2{font-size:21px;letter-spacing:-.02em;line-height:1.25;margin:44px 0 12px}
.recht h2:first-child{margin-top:0}
.recht p,.recht li{color:var(--muted);font-size:16px;line-height:1.6;margin:0 0 12px;overflow-wrap:break-word}
.recht ul{margin:0 0 14px;padding-left:20px}
.recht b{color:var(--ink);font-weight:600}
.recht a{color:var(--accent);text-decoration:underline;text-underline-offset:2px}
.recht a:hover{color:var(--ink)}