:root{
  --blau:#2f5597;
  --blau-dunkel:#1f3a6b;
  --blau-hell:#e9f0fb;
  --akzent:#6f8fd0;
  --text:#1d2433;
  --grau:#5b6475;
  --linie:#dde3ee;
  --weiss:#ffffff;
  --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
section[id],main[id]{scroll-margin-top:84px}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--weiss);line-height:1.6;font-size:17px}
a{color:var(--blau)}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* Kopf */
header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.95);backdrop-filter:blur(6px);border-bottom:1px solid var(--linie)}
.kopf{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.marke{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--blau-dunkel);font-weight:700;font-size:1.15rem;letter-spacing:.2px}
.marke img{width:46px;height:auto}
nav ul{display:flex;gap:26px;list-style:none}
nav a{text-decoration:none;color:var(--text);font-weight:500;font-size:.98rem}
nav a:hover{color:var(--blau)}
.btn{display:inline-block;background:var(--blau);color:#fff;text-decoration:none;padding:12px 22px;border-radius:999px;font-weight:600;transition:background .2s}
.btn:hover{background:var(--blau-dunkel)}
.btn.hell{background:#fff;color:var(--blau-dunkel)}
.btn.hell:hover{background:var(--blau-hell)}
.btn.rand{background:transparent;color:var(--blau);border:2px solid var(--blau)}
.btn.rand:hover{background:var(--blau-hell)}
.kopf .btn{padding:9px 18px;font-size:.95rem}

/* Hero */
.hero{background:linear-gradient(160deg,var(--blau-hell) 0%,#fff 70%);padding:80px 0 70px}
.hero .wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;font-size:.85rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--blau);margin-bottom:14px}
.hero h1{font-size:clamp(2rem,4.4vw,3.1rem);line-height:1.15;color:var(--blau-dunkel);margin-bottom:20px}
.hero p.lead{font-size:1.15rem;color:var(--grau);max-width:560px;margin-bottom:16px}
.hero p.gebiet{font-size:.95rem;color:var(--grau);max-width:560px;margin-bottom:30px;padding-left:12px;border-left:3px solid var(--akzent)}
.hero .aktionen{display:flex;gap:14px;flex-wrap:wrap}
.hero-logo{justify-self:center;max-width:340px;filter:drop-shadow(0 18px 30px rgba(47,85,151,.18))}
.fakten{display:flex;gap:34px;margin-top:40px;flex-wrap:wrap}
.fakten div{font-size:.95rem;color:var(--grau)}
.fakten strong{display:block;font-size:1.6rem;color:var(--blau-dunkel)}

/* Abschnitte */
section{padding:80px 0}
.titel{max-width:680px;margin-bottom:44px}
.titel h2{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--blau-dunkel);margin-bottom:12px;line-height:1.2}
.titel p{color:var(--grau);font-size:1.07rem}
.grau{background:#f6f8fc}

/* Leistungen */
.karten{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.karte{background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:26px}
.karte .icon{width:46px;height:46px;border-radius:12px;background:var(--blau-hell);display:grid;place-items:center;margin-bottom:16px}
.karte .icon svg{width:24px;height:24px;stroke:var(--blau);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.karte h3{font-size:1.1rem;margin-bottom:8px;color:var(--blau-dunkel)}
.karte p{color:var(--grau);font-size:.97rem}
.weitere{margin-top:30px;display:flex;flex-wrap:wrap;gap:10px}
.weitere span{background:#fff;border:1px solid var(--linie);border-radius:999px;padding:7px 15px;font-size:.92rem;color:var(--text)}

/* Express */
.express{background:var(--blau-dunkel);color:#fff;border-radius:22px;padding:44px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}
.express h2{font-size:clamp(1.4rem,2.6vw,1.9rem);margin-bottom:10px}
.express p{opacity:.88;max-width:620px}

/* Bildband */
.band{position:relative;padding:0;min-height:400px;display:flex;align-items:flex-end;overflow:hidden;background:#1f3a6b}
.band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%}
.band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,28,48,.78) 0%,rgba(18,28,48,.45) 45%,rgba(18,28,48,0) 75%)}
.band-text{position:relative;z-index:1;color:#fff;padding-top:60px;padding-bottom:44px;width:100%}
.band-titel{font-size:clamp(1.6rem,3.2vw,2.3rem);font-weight:700;margin-bottom:8px}
.band-text p:not(.band-titel){max-width:520px;opacity:.92;font-size:1.05rem}

/* Ablauf */
.schritte{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.schritt{position:relative;padding:26px 22px;background:#fff;border-radius:var(--radius);border:1px solid var(--linie)}
.schritt::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--blau);color:#fff;font-weight:700;margin-bottom:14px}
.schritt h3{font-size:1.05rem;margin-bottom:6px;color:var(--blau-dunkel)}
.schritt p{font-size:.95rem;color:var(--grau)}

/* Vorteile */
.zwei{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.liste{list-style:none;display:grid;gap:14px}
.liste li{display:flex;gap:12px;align-items:flex-start}
.liste li::before{content:"";flex:0 0 22px;height:22px;margin-top:3px;border-radius:50%;background:var(--blau-hell) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232f5597' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/14px no-repeat}
.zitat{background:var(--blau-hell);border-radius:var(--radius);padding:34px;font-size:1.2rem;color:var(--blau-dunkel);font-weight:600;line-height:1.45}
.zitat small{display:block;margin-top:14px;font-size:.95rem;font-weight:400;color:var(--grau)}

/* Downloads */
.downloads{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.dl{display:flex;gap:18px;background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:26px}
.dl .icon{flex:0 0 46px;width:46px;height:46px;border-radius:12px;background:var(--blau-hell);display:grid;place-items:center}
.dl .icon svg{width:24px;height:24px;stroke:var(--blau);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.dl h3{font-size:1.1rem;color:var(--blau-dunkel);margin-bottom:6px}
.dl p{color:var(--grau);font-size:.97rem;margin-bottom:16px}
.dl .btn{padding:10px 18px;font-size:.95rem}
.dl-info{display:block;margin-top:8px;font-size:.85rem;color:var(--grau)}

/* Kontakt */
.kontakt{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.kbox{background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:30px}
.kbox h3{color:var(--blau-dunkel);margin-bottom:14px}
.kzeile{display:flex;gap:12px;align-items:center;padding:10px 0;border-bottom:1px solid var(--linie)}
.kzeile:last-child{border-bottom:0}
.kzeile span{color:var(--grau);min-width:80px;font-size:.93rem}
.kzeile a,.kzeile b{font-weight:600;text-decoration:none}

/* Fuss */
footer{background:#121c30;color:#c4cbe0;padding:40px 0;font-size:.93rem}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:#fff;text-decoration:none;margin-left:20px}
footer a:first-child{margin-left:0}

/* Rechtstexte */
.recht{padding:60px 0 80px}
.recht .wrap{max-width:820px}
.recht h1{color:var(--blau-dunkel);margin-bottom:28px;font-size:2rem}
.recht h2{color:var(--blau-dunkel);font-size:1.2rem;margin:30px 0 10px}
.recht p,.recht li{margin-bottom:10px}
.recht ul{padding-left:22px}
.recht .abgesetzt{background:var(--blau-hell);border-left:4px solid var(--blau);padding:14px 18px;border-radius:8px}
.hinweis{background:#fff6dd;border:1px solid #f0d98a;padding:10px 14px;border-radius:8px;font-size:.93rem}

/* Mobil */
@media (max-width:900px){
  nav ul{display:none}
  .hero .wrap,.zwei,.kontakt,.express,.downloads{grid-template-columns:1fr}
  .hero-logo{max-width:220px;order:-1}
  .karten{grid-template-columns:1fr 1fr}
  .schritte{grid-template-columns:1fr 1fr}
  section{padding:60px 0}
  .hero{padding:50px 0}
  .band{min-height:280px}
  .band::after{background:linear-gradient(0deg,rgba(18,28,48,.82) 0%,rgba(18,28,48,.35) 60%,rgba(18,28,48,.1) 100%)}
}
@media (max-width:560px){
  .karten,.schritte{grid-template-columns:1fr}
  .marke span{font-size:1rem}
  .kopf .btn{padding:8px 14px;font-size:.9rem}
  .kopf .btn .lang{display:none}
  .marke img{width:38px}
  .express{padding:30px}
  footer a{margin-left:0;margin-right:18px}
}