.animate-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}

.animate-on-scroll.delay-1 { transition-delay: 0.1s; }
.animate-on-scroll.delay-2 { transition-delay: 0.2s; }
.animate-on-scroll.delay-3 { transition-delay: 0.3s; }
.animate-on-scroll.delay-4 { transition-delay: 0.4s; }

.animate-on-scroll.is-visible {
  opacity: 1;
  transform: translateY(0);
}


.stats-section {
  background: var(--color-primary);
  padding-block: var(--space-16);
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23FFFFFF' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.stats-grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

.stats-grid .stat-item {
  border-right: 1px solid rgba(255, 255, 255, 0.10);
  padding: var(--space-8);
}

.stats-grid .stat-item:last-child { border-right: none; }

.stats-grid .stat-item__number { color: var(--color-white); }
.stats-grid .stat-item__label  { color: rgba(255, 255, 255, 0.60); }

@media (max-width: 768px) {
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .stats-grid .stat-item:nth-child(2) { border-right: none; }
  .stats-grid .stat-item:nth-child(1),
  .stats-grid .stat-item:nth-child(2) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.10);
  }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .stats-grid .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.10); }
}


.feature-card {
  padding: var(--space-8);
  border-radius: var(--radius-xl);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  transition: all var(--transition-normal);
}

.feature-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-xl);
  transform: translateY(-4px);
}

.feature-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: var(--space-5);
  box-shadow: 0 4px 16px rgba(11, 45, 89, 0.25);
}

.feature-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.feature-card__text {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: var(--leading-loose);
}


.process-section .process-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-8);
  max-width: 700px;
}

.process-connector {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-left: 26px;
  height: 40px;
}

.process-connector__line {
  width: 2px;
  flex: 1;
  background: linear-gradient(to bottom, var(--color-primary), var(--color-accent));
  border-radius: 2px;
}


.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

@media (max-width: 1024px) {
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .testimonials-grid { grid-template-columns: 1fr; }
}


.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
}

@media (max-width: 1024px) {
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .loans-grid { grid-template-columns: 1fr; }
}


.loan-detail-card {
  background: var(--color-white);
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  transition: all var(--transition-normal);
}

.loan-detail-card:hover {
  box-shadow: var(--shadow-xl);
  border-color: transparent;
}

.loan-detail-card__header {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  padding: var(--space-8);
  position: relative;
  overflow: hidden;
}

.loan-detail-card__header::after {
  content: '';
  position: absolute;
  bottom: -30px;
  right: -30px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
}

.loan-detail-card__icon {
  font-size: 2.5rem;
  margin-bottom: var(--space-3);
  display: block;
}

.loan-detail-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  color: var(--color-white);
  margin-bottom: var(--space-2);
}

.loan-detail-card__range {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.70);
}

.loan-detail-card__rate {
  position: absolute;
  top: var(--space-6);
  right: var(--space-6);
  background: var(--color-accent);
  color: var(--color-white);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-md);
  font-weight: var(--weight-bold);
  font-size: var(--text-sm);
}

.loan-detail-card__body {
  padding: var(--space-8);
}

.loan-detail-card__desc {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-6);
}

.loan-detail-card__features {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-bottom: var(--space-6);
}

.loan-feature {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-text);
}

.loan-feature__check {
  width: 20px;
  height: 20px;
  border-radius: var(--radius-full);
  background: rgba(26, 122, 74, 0.10);
  color: var(--color-success);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: var(--weight-bold);
  flex-shrink: 0;
}

.loan-detail-card__footer {
  padding: 0 var(--space-8) var(--space-8);
  display: flex;
  gap: var(--space-3);
}


.loan-calculator {
  background: var(--color-white);
  border-radius: var(--radius-2xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
}

.calc-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  margin-bottom: var(--space-6);
}

.calc-field__label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-3);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text);
}

.calc-field__value {
  font-family: var(--font-mono);
  font-weight: var(--weight-bold);
  color: var(--color-primary);
  font-size: var(--text-lg);
}

input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  border-radius: var(--radius-full);
  background: linear-gradient(
    to right,
    var(--color-primary) 0%,
    var(--color-primary) var(--range-fill, 50%),
    var(--color-border) var(--range-fill, 50%),
    var(--color-border) 100%
  );
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-white);
  box-shadow: 0 2px 8px rgba(11, 45, 89, 0.30);
  cursor: pointer;
  transition: box-shadow var(--transition-fast);
}

input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 4px 16px rgba(11, 45, 89, 0.40);
}


.calc-result {
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  display: none;
}

.calc-result__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
}

.calc-result__item {
  text-align: center;
  padding: var(--space-4);
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius-md);
}

.calc-result__label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.60);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-2);
  display: block;
}

.calc-result__value {
  font-family: var(--font-mono);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--color-white);
}

.calc-result__value.highlight {
  color: var(--color-accent);
  font-size: var(--text-3xl);
}

@media (max-width: 768px) {
  .calc-row { grid-template-columns: 1fr; }
  .calc-result__grid { grid-template-columns: 1fr; }
}


.immo-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-6);
}

.immo-feature {
  display: flex;
  gap: var(--space-4);
  padding: var(--space-5);
  background: var(--color-bg-section);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
}

.immo-feature__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--color-primary);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.immo-feature__title {
  font-weight: var(--weight-semi);
  color: var(--color-primary);
  margin-bottom: var(--space-1);
  font-size: var(--text-sm);
}

.immo-feature__text {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: var(--leading-normal);
}

@media (max-width: 640px) {
  .immo-features { grid-template-columns: 1fr; }
}


.team-card {
  text-align: center;
}

.team-card__photo {
  width: 140px;
  height: 140px;
  border-radius: var(--radius-full);
  object-fit: cover;
  margin: 0 auto var(--space-4);
  border: 4px solid var(--color-white);
  box-shadow: var(--shadow-lg);
  background: var(--color-bg-section);
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  color: var(--color-text-muted);
  max-width: 100%;
}

@media (max-width: 360px) {

  .team-card__photo {
    width: 112px;
    height: 112px;
  }
}

.team-card__name {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  color: var(--color-primary);
  margin-bottom: var(--space-1);
}

.team-card__role {
  font-size: var(--text-sm);
  color: var(--color-accent);
  font-weight: var(--weight-medium);
}


.value-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--space-4);
  padding: var(--space-8);
}

.value-item__icon {
  font-size: 3rem;
  display: block;
}

.value-item__title {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  color: var(--color-primary);
}

.value-item__text {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: var(--leading-loose);
  max-width: 280px;
}


.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: var(--space-16);
  align-items: start;
}

.contact-layout > * {
  min-width: 0;
}

.contact-info__item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
  padding: var(--space-5) 0;
  border-bottom: 1px solid var(--color-border);
  min-width: 0;
}

.contact-info__item > div {
  min-width: 0;
}

.contact-info__item:last-child { border-bottom: none; }

.contact-info__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: rgba(11, 45, 89, 0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  color: var(--color-primary);
}

.contact-info__label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: var(--weight-semi);
  margin-bottom: 4px;
}

.contact-info__value {
  font-weight: var(--weight-medium);
  color: var(--color-text);
}


.loan-form {
  background: var(--color-white);
  border-radius: var(--radius-2xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
}

.loan-form__section {
  margin-bottom: var(--space-8);
  padding-bottom: var(--space-8);
  border-bottom: 1px solid var(--color-border);
}

.loan-form__section:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.loan-form__section-title {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  color: var(--color-primary);
  margin-bottom: var(--space-6);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.loan-form__section-title .step-badge {
  width: 28px;
  height: 28px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  color: var(--color-white);
  font-size: var(--text-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: var(--weight-bold);
  flex-shrink: 0;
}

@media (max-width: 1024px) {
  .contact-layout { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .loan-form { padding: var(--space-6); }
}


.geburtsdatum-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr 1fr;
  gap: var(--space-3);
}

@media (max-width: 400px) {
  .geburtsdatum-grid {
    grid-template-columns: 1fr;
    gap: var(--space-2);
  }
}


.legal-content {
  max-width: 860px;
  margin-inline: auto;
  padding-block: var(--space-16);
}

.legal-content h2 {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  color: var(--color-primary);
  margin-top: var(--space-12);
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-3);
  border-bottom: 2px solid var(--color-bg-section);
}

.legal-content h3 {
  font-size: var(--text-xl);
  color: var(--color-primary);
  margin-top: var(--space-8);
  margin-bottom: var(--space-3);
}

.legal-content h4 {
  font-size: var(--text-lg);
  color: var(--color-text);
  margin-top: var(--space-6);
  margin-bottom: var(--space-2);
}

.legal-content p {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-4);
}

.legal-content ul {
  list-style: disc;
  padding-left: var(--space-6);
  margin-bottom: var(--space-4);
}

.legal-content ul li {
  font-size: var(--text-sm);
  color: var(--color-text-light);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-2);
}

.legal-content a {
  color: var(--color-primary-light);
  text-decoration: underline;
}

.legal-content a:hover {
  color: var(--color-primary);
}

.legal-info-box {
  background: var(--color-bg-section);
  border-left: 4px solid var(--color-primary);
  padding: var(--space-5) var(--space-6);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-block: var(--space-6);
}

.legal-info-box p {
  margin-bottom: 0;
  color: var(--color-text);
}


#backToTop {
  position: fixed;
  bottom: var(--space-8);

  left: var(--space-8);
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  color: var(--color-white);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  box-shadow: var(--shadow-lg);
  z-index: var(--z-dropdown);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  transition: all var(--transition-normal);
}

#backToTop.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

#backToTop:hover {
  background: var(--color-accent);
  transform: translateY(-3px);
  box-shadow: var(--shadow-xl);
}

@media (max-width: 640px) {
  #backToTop {
    bottom: var(--space-4);
    left: var(--space-4);
    width: 42px;
    height: 42px;
  }
}


.partners-bar {
  padding-block: var(--space-10);
  background: var(--color-white);
}

.partners-bar__title {
  text-align: center;
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-text-muted);
  font-weight: var(--weight-semi);
  margin-bottom: var(--space-8);
}

.partners-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-12);
  flex-wrap: wrap;
}

.partner-logo {
  font-family: var(--font-heading);
  font-size: var(--text-xl);
  font-weight: var(--weight-bold);
  color: var(--color-border);
  letter-spacing: -0.02em;
  transition: color var(--transition-normal);
}

.partner-logo:hover { color: var(--color-text-muted); }




html, body {
  overflow-x: hidden;
  max-width: 100%;
}


img {
  max-width: 100%;
  height: auto;
}


@media (max-width: 768px) {


  .container {
    padding-inline: var(--space-4);
  }


  .section-title {
    font-size: clamp(1.4rem, 5.5vw, 2rem);
  }

  .section-subtitle {
    font-size: var(--text-base);
  }


  .cta-section__actions .btn {
    width: 100%;
    text-align: center;
    justify-content: center;
  }


  .trust-bar__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-3);
    justify-items: start;
  }


  .loan-form {
    padding: var(--space-5) var(--space-4);
    border-radius: var(--radius-xl);
  }

  .loan-form__section-title {
    font-size: var(--text-base);
  }


  .contact-layout {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }


  .loan-detail-card__rate {
    position: static;
    display: inline-block;
    margin-bottom: var(--space-2);
  }


  .legal-content {
    padding-block: var(--space-8);
  }

  .legal-content h2 {
    font-size: var(--text-xl);
    margin-top: var(--space-8);
  }


  .footer-top {
    gap: var(--space-6);
    padding-bottom: var(--space-8);
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-3);
  }


  #backToTop {
    bottom: var(--space-4);
    right: var(--space-4);
    width: 40px;
    height: 40px;
    font-size: 1rem;
  }


  .admin-stats-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-3);
  }


  .section-header {
    margin-bottom: var(--space-10);
  }
}


@media (max-width: 400px) {
  :root {
    --space-8: 1.5rem;
    --space-10: 2rem;
  }

  .trust-bar__inner {
    grid-template-columns: 1fr;
  }

  .stats-grid {
    grid-template-columns: 1fr 1fr;
  }

  .stats-grid .stat-item {
    padding: var(--space-5) var(--space-3);
  }

  .admin-stats-grid {
    grid-template-columns: 1fr;
  }
}


@media (min-width: 768px) and (max-width: 1024px) {

  .container {
    padding-inline: var(--space-6);
  }

  .split-section {
    grid-template-columns: 1fr;
    gap: var(--space-10);
  }

  .split-section__img-wrap img {
    height: 340px;
  }

  .loans-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .team-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .immo-types {
    grid-template-columns: repeat(2, 1fr);
  }

  .loan-form {
    padding: var(--space-8);
  }
}