:root {
    --navy-950: #06101f;
    --navy-900: #0a1830;
    --navy-800: #122445;
    --navy-700: #1b335c;
    --red: #c8102e;
    --red-dark: #9d0d24;
    --gold: #c9a84c;
    --gold-soft: #e8d59a;
    --cream: #f6f3ee;
    --paper: #fffdf9;
    --ink: #122033;
    --muted: #5d6b7c;
    --line: rgba(201, 168, 76, .28);
    --shadow: 0 24px 60px rgba(6, 16, 31, .22);
    --radius: 18px;
    --font: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
    --serif: "Cormorant Garamond", Georgia, serif;
    --script: "Great Vibes", cursive;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 150px; overflow-x: clip; }
html, body { margin: 0; padding: 0; }
body {
    font-family: var(--font);
    color: var(--ink);
    background: var(--paper);
    font-size: 16px;
    font-weight: 400;
    line-height: 1.6;
    letter-spacing: 0;
    overflow-x: clip;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    -webkit-text-size-adjust: 100%;
    text-size-adjust: 100%;
}
img { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
a { color: inherit; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.eyebrow {
    margin: 0 0 10px;
    letter-spacing: .22em;
    text-transform: uppercase;
    font-size: 12px;
    font-weight: 600;
    color: var(--red);
}
.eyebrow.light { color: var(--gold-soft); }
h1, h2 { font-family: var(--serif); letter-spacing: -.02em; line-height: 1.08; margin: 0; }
h3 { font-family: var(--font); letter-spacing: -.01em; line-height: 1.25; margin: 0; font-weight: 600; }
h1 { font-size: clamp(42px, 6vw, 76px); font-weight: 600; }
h2 { font-size: clamp(34px, 4.4vw, 56px); font-weight: 600; }
.kicker {
    margin: 0 0 8px;
    color: var(--red);
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    font-size: 13px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.ico {
    display: inline-grid;
    place-items: center;
    width: 28px;
    height: 28px;
    border-radius: 8px;
    background: rgba(200, 16, 46, .1);
    color: var(--red);
    flex: 0 0 auto;
}
.ico svg { width: 16px; height: 16px; }
.ico-lg { width: 44px; height: 44px; border-radius: 12px; background: transparent; color: var(--red); }
.ico-lg svg { width: 22px; height: 22px; }
.ico-sm { width: 22px; height: 22px; border-radius: 6px; background: rgba(201,168,76,.2); color: var(--gold-soft); }
.ico-sm svg { width: 12px; height: 12px; }
.ico-xl { width: auto; height: auto; background: none; color: var(--navy-900); }
.ico-xl svg { width: 280px; height: 280px; }
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 0 22px;
    border: 0;
    border-radius: 8px;
    font-weight: 600;
    font-size: 14px;
    transition: .25s ease;
    text-decoration: none;
}
.btn-red { background: var(--red); color: #fff; box-shadow: 0 10px 24px rgba(200, 16, 46, .28); }
.btn-red:hover { background: var(--red-dark); transform: translateY(-1px); }
.btn-outline { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.45); }
.btn-outline:hover { background: #fff; color: var(--navy-900); }
.btn-gold {
    background: var(--gold);
    color: var(--navy-950);
    border: 0;
}
.btn-gold:hover { filter: brightness(1.08); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--navy-900); border: 1px solid var(--line); }
.btn-full { width: 100%; }
.reveal { opacity: 0; transform: translateY(28px); transition: .7s cubic-bezier(.2,.8,.2,1); }
.reveal.is-in { opacity: 1; transform: none; }

/* Header */
.site-header {
    position: sticky;
    top: 0;
    z-index: 30;
    background: #fff;
    border-bottom: 1px solid rgba(18, 32, 51, .08);
}
.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 28px;
    min-height: 88px;
}
.brand {
    display: flex;
    gap: 0;
    align-items: center;
    text-decoration: none;
    min-width: 0;
    flex: 1 1 auto;
}
.brand img {
    display: block;
    width: min(420px, 100%);
    height: auto;
    max-height: 72px;
    object-fit: contain;
    object-position: center;
    flex-shrink: 1;
}
.brand em { color: var(--red); font-style: italic; }
.main-nav {
    display: flex;
    align-items: center;
    gap: 22px;
    margin-left: auto;
}
.main-nav a {
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    color: var(--ink);
}
.main-nav a:hover { color: var(--red); }
.nav-toggle {
    display: none;
    width: 42px;
    height: 42px;
    border: 0;
    background: none;
    padding: 10px;
}
.nav-toggle span { display: block; height: 2px; background: var(--ink); margin: 6px 0; }

.btn-sm { min-height: 38px; padding: 0 14px; font-size: 13px; }

/* Hero */
.hero {
    position: relative;
    color: #fff;
    overflow: hidden;
    background: var(--navy-950);
}
.hero::before,
.hero::after {
    content: "";
    position: absolute;
    border: 1px solid rgba(201,168,76,.22);
    border-radius: 50%;
    pointer-events: none;
    z-index: 1;
}
.hero::before { width: 560px; height: 560px; left: -200px; top: -160px; }
.hero::after { width: 300px; height: 300px; left: 36px; top: -48px; }
.hero-bg {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(6,16,31,.92) 0%, rgba(6,16,31,.55) 46%, rgba(6,16,31,.28) 100%),
        linear-gradient(180deg, rgba(6,16,31,.08), rgba(6,16,31,.55)),
        url("../img/alps.jpg") center 28% / cover no-repeat;
}
.hero-grid {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: minmax(280px, .78fr) minmax(0, 1.22fr);
    gap: 28px;
    align-items: start;
    padding: 36px 0 48px;
}
.hero-copy {
    min-width: 0;
    max-width: 100%;
}
.hero-copy .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 14px;
    max-width: 100%;
}
.hero-copy h1 {
    font-size: clamp(38px, 4.8vw, 62px);
    margin-bottom: 12px;
}
.hero-copy h1 em { color: var(--gold-soft); font-style: italic; }
.lead { max-width: 480px; color: rgba(255,255,255,.9); font-size: 17px; line-height: 1.55; font-weight: 400; margin: 0; }
.hero-spots {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin: 22px 0 0;
    max-width: 500px;
}
.hero-spot {
    position: relative;
    display: block;
    height: 138px;
    border-radius: 16px;
    overflow: hidden;
    color: #fff;
    text-decoration: none;
    border: 1px solid rgba(201,168,76,.4);
    box-shadow: 0 14px 28px rgba(0,0,0,.28);
}
.hero-spot img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform .55s ease;
}
.hero-spot:hover img { transform: scale(1.08); }
.hero-spot::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.08) 0%, rgba(6,16,31,.78) 100%);
}
.hero-spot-mark {
    position: absolute;
    z-index: 1;
    top: 8px;
    left: 8px;
    width: 32px;
    height: 32px;
    border-radius: 10px;
    background: rgba(255,255,255,.94);
    border: 1px solid rgba(201,168,76,.55);
    display: grid;
    place-items: center;
    box-shadow: 0 8px 16px rgba(6,16,31,.28);
}
.hero-spot-mark .ico {
    width: 32px;
    height: 32px;
    background: transparent;
    color: var(--red);
}
.hero-spot-mark .ico svg { width: 16px; height: 16px; }
.hero-spot-copy {
    position: absolute;
    z-index: 1;
    left: 10px;
    right: 10px;
    bottom: 10px;
    display: grid;
    gap: 2px;
}
.hero-spot-copy b {
    font-family: var(--serif);
    font-size: 20px;
    font-weight: 600;
    color: var(--gold-soft);
    letter-spacing: -.02em;
    line-height: 1;
}
.hero-spot-copy i {
    font-style: normal;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: rgba(255,255,255,.86);
}
.hero-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.hero-rail {
    display: flex;
    gap: 12px;
    margin-top: 22px;
    max-width: 520px;
    overflow-x: auto;
    scrollbar-width: none;
    padding-bottom: 4px;
}
.hero-rail::-webkit-scrollbar { display: none; }
.hero-rail a {
    flex: 0 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    width: 64px;
    text-decoration: none;
    color: rgba(255,255,255,.78);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    text-align: center;
}
.hero-rail-photo {
    position: relative;
    width: 54px;
    height: 54px;
    border-radius: 50%;
    overflow: hidden;
    border: 1px solid rgba(201,168,76,.5);
    box-shadow: 0 10px 20px rgba(0,0,0,.28);
    transition: transform .25s ease, border-color .25s ease;
}
.hero-rail-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.hero-rail-photo .ico {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    background: rgba(6,16,31,.38);
    color: #fff;
    border-radius: 50%;
}
.hero-rail-photo .ico svg { width: 18px; height: 18px; }
.hero-rail a:hover { color: var(--gold-soft); }
.hero-rail a:hover .hero-rail-photo {
    border-color: var(--gold-soft);
    transform: translateY(-3px);
}
.hero-cluster {
    display: block;
    max-width: 440px;
    width: 100%;
    margin-left: auto;
}
#heroRegister, #packFormWrap { scroll-margin-top: 96px; }

.hero-form {
    overflow: hidden;
    padding: 0;
    background: #fffdf9;
    border: 1px solid rgba(201,168,76,.45);
    box-shadow: 0 28px 60px rgba(0,0,0,.38);
}
.hero-form-photo {
    position: relative;
    height: 128px;
    overflow: hidden;
}
.hero-form-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.hero-form-photo::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.15) 0%, rgba(6,16,31,.72) 100%);
}
.hero-form-photo .register-badge {
    position: absolute;
    z-index: 1;
    top: 14px;
    left: 16px;
    margin: 0;
}
.hero-form-kicker {
    position: absolute;
    z-index: 1;
    left: 16px;
    right: 16px;
    bottom: 14px;
    margin: 0;
    color: var(--gold-soft);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
}
.hero-form-body { padding: 20px 20px 18px; }
.hero-form h3 {
    font-size: 22px;
    font-family: var(--font);
    font-weight: 600;
    letter-spacing: -.02em;
    margin: 0 0 6px;
}
.hero-form .progress { margin-bottom: 14px; }
.hero-form form { display: grid; gap: 12px; }
.hero-form input,
.hero-form select { padding: 12px 13px; font-size: 16px; line-height: 1.4; font-weight: 500; }
.hero-form #heroStep1,
.hero-form #heroStep2 {
    display: grid;
    gap: 12px;
    align-content: start;
}
.hero-form #heroStep1[hidden],
.hero-form #heroStep2[hidden],
.hero-form .hero-thanks[hidden] {
    display: none !important;
}
.hero-form .hero-thanks {
    display: grid;
    place-content: center;
    text-align: center;
    min-height: 220px;
    padding: 12px 6px;
    gap: 8px;
}
.hero-form .hero-thanks h3 { font-size: 24px; margin: 0 0 6px; }
.hero-form .hero-thanks p {
    margin: 0;
    color: var(--muted);
    font-size: 15px;
    line-height: 1.5;
}
.hero-form .hero-thanks .form-done-icon {
    width: 52px;
    height: 52px;
    font-size: 24px;
    margin-bottom: 8px;
}

.register-card {
    background: #fff;
    color: var(--ink);
    border-radius: 20px;
    padding: 18px 18px 16px;
    box-shadow: 0 20px 40px rgba(6,16,31,.28);
    border: 1px solid rgba(201,168,76,.35);
    position: relative;
    z-index: 2;
}
.register-card.hero-form {
    padding: 0;
    overflow: hidden;
    background: #fffdf9;
}
.register-badge {
    display: inline-block;
    background: var(--red);
    color: #fff;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    padding: 4px 8px;
    border-radius: 999px;
    margin-bottom: 8px;
}
.register-card h3, .register-modal h3 { font-family: var(--font); font-size: 22px; font-weight: 600; margin: 0 0 6px; letter-spacing: -.01em; }
.register-step { margin: 0 0 8px; color: var(--muted); font-size: 13px; font-weight: 500; }
.progress {
    height: 4px;
    background: #efeae2;
    border-radius: 99px;
    overflow: hidden;
    margin-bottom: 14px;
}
.progress i { display: block; height: 100%; background: linear-gradient(90deg, var(--red), var(--gold)); }
.register-card .lead-form, .register-card form { display: grid; gap: 10px; }
.register-card label { display: grid; gap: 5px; font-size: 13px; font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--navy-800); }
.register-card input, .register-card select, .register-card textarea {
    width: 100%;
    border: 1px solid #e4e0d8;
    border-radius: 10px;
    padding: 10px 11px;
    background: #fbfaf7;
    color: var(--ink);
    text-transform: none;
    font-size: 16px;
    line-height: 1.4;
    font-weight: 500;
    letter-spacing: 0;
}
.pack-intro {
    margin: 0 0 8px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    color: var(--muted);
}
.pack-picks {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-bottom: 4px;
}
.pack-pick {
    display: block !important;
    gap: 0 !important;
    text-transform: none !important;
    letter-spacing: 0 !important;
    cursor: pointer;
}
.pack-pick input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
    width: 0;
    height: 0;
}
.pack-pick span {
    display: block;
    border: 1px solid #e4e0d8;
    border-radius: 12px;
    padding: 9px 10px;
    background: #fbfaf7;
    min-height: 58px;
}
.pack-pick:hover span { border-color: #d4cfc6; }
.pack-pick input:focus-visible + span { outline: 2px solid rgba(201,168,76,.7); }
.pack-pick input:checked + span {
    border-color: var(--red);
    background: #fff6f7;
    box-shadow: inset 0 0 0 1px var(--red);
}
.pack-pick strong {
    display: block;
    font-size: 13px;
    color: var(--navy-900);
    font-weight: 700;
}
.pack-pick b {
    display: block;
    margin-top: 2px;
    color: var(--red);
    font-size: 11px;
    font-weight: 700;
}
.check {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    text-transform: none;
    letter-spacing: 0;
    font-size: 14px;
    color: var(--ink);
    font-weight: 500;
}
.check input { width: auto; margin-top: 3px; }
.check a { color: var(--red); }
.btn-row { display: flex; gap: 10px; }
.form-msg { background: #fde8ec; color: var(--red); padding: 10px 12px; border-radius: 10px; font-size: 13px; margin-bottom: 10px; }
.form-done h3 { font-size: 28px; margin: 0 0 8px; }
.thanks-panel { width: min(440px, calc(100% - 28px)); text-align: center; }
.thanks-panel .form-done { padding: 12px 8px 4px; }
.form-done-icon {
    width: 56px; height: 56px; margin: 0 auto 12px;
    border-radius: 50%; background: #dcfce7; color: #15803d;
    display: grid; place-items: center; font-size: 28px; font-weight: 700;
}

/* Trust */
.trust {
    background: linear-gradient(180deg, #0c1b34, var(--navy-900));
    color: #fff;
    padding: 22px 0;
    position: relative;
    z-index: 2;
    box-shadow: 0 -20px 40px rgba(6,16,31,.18);
}
.trust-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.trust article {
    text-align: center;
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(201,168,76,.22);
    border-radius: 16px;
    padding: 16px 10px 14px;
}
.trust h3 { font-family: var(--font); font-size: 14px; }
.trust p { margin: 4px 0 0; color: rgba(255,255,255,.7); font-size: 13px; }
.trust-mark {
    width: 48px;
    height: 48px;
    margin: 0 auto 10px;
    border-radius: 14px;
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(201,168,76,.45);
    color: var(--gold-soft);
    display: grid;
    place-items: center;
}
.trust-mark .ico {
    width: 48px;
    height: 48px;
    background: transparent;
    color: var(--gold-soft);
}
.trust-mark .ico svg { width: 22px; height: 22px; }

/* Products */
.products {
    padding: 96px 0 56px;
    background:
        radial-gradient(900px 320px at 8% 0%, rgba(200,16,46,.07), transparent 58%),
        radial-gradient(700px 280px at 100% 18%, rgba(201,168,76,.12), transparent 52%),
        linear-gradient(180deg, #fff 0%, var(--cream) 42%, #fff 100%);
    position: relative;
    overflow: hidden;
}
.products::before,
.products::after {
    content: "";
    position: absolute;
    border: 1px solid rgba(201,168,76,.16);
    border-radius: 50%;
    pointer-events: none;
}
.products::before { width: 620px; height: 620px; right: -220px; top: 80px; }
.products::after { width: 400px; height: 400px; right: -90px; top: 190px; }
.products > .container { position: relative; z-index: 1; }
.section-head { max-width: 760px; margin-bottom: 28px; position: relative; }
.section-head p { color: var(--muted); }
.products .section-head::after {
    content: "";
    display: block;
    width: 72px;
    height: 2px;
    margin-top: 22px;
    background: linear-gradient(90deg, var(--red), var(--gold));
}
.script {
    font-family: var(--script);
    font-size: 34px;
    color: var(--red);
    position: absolute;
    right: -8%;
    top: 8px;
    transform: rotate(-6deg);
}
.product-index {
    display: flex;
    gap: 8px;
    overflow-x: auto;
    padding: 6px 2px 32px;
    margin: 0 0 8px;
    scrollbar-width: none;
}
.product-index::-webkit-scrollbar { display: none; }
.product-index a {
    flex: 0 0 auto;
    width: 92px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    color: var(--muted);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    text-align: center;
}
.product-index .ico {
    width: 58px;
    height: 58px;
    border-radius: 50%;
    background: #fff;
    color: var(--red);
    border: 1px solid var(--line);
    box-shadow: 0 12px 28px rgba(6,16,31,.1);
    transition: .25s ease;
}
.product-index .ico svg { width: 22px; height: 22px; }
.product-index a:hover { color: var(--navy-900); }
.product-index a:hover .ico {
    background: var(--navy-900);
    color: var(--gold-soft);
    border-color: var(--navy-900);
    transform: translateY(-3px);
}
.core-grid,
.market-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
}
.market-grid {
    grid-template-columns: repeat(12, 1fr);
    margin: 0;
}
.market-grid .mini-card { grid-column: span 3; }
.market-grid .mini-card:first-child { grid-column: span 6; }
.products-split {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 18px;
    margin: 48px 0 22px;
    padding-top: 28px;
    border-top: 1px solid rgba(201,168,76,.28);
}
.products-split h3 {
    font-size: clamp(26px, 3vw, 36px);
    color: var(--navy-900);
}
.product-card, .mini-card {
    background: #fff;
    border: 1px solid rgba(18,32,51,.06);
    border-radius: var(--radius);
    padding: 0;
    box-shadow: 0 18px 40px rgba(6, 16, 31, .1);
    display: flex;
    flex-direction: column;
    min-height: 100%;
    overflow: hidden;
    transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.product-card:hover, .mini-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 28px 56px rgba(6,16,31,.18);
    border-color: rgba(201,168,76,.5);
}
.product-visual {
    position: relative;
    height: 228px;
    margin: 0;
    overflow: hidden;
    background: linear-gradient(135deg, #0c1b34, #7a1022);
}
.mini-card .product-visual { height: 176px; }
.market-grid .mini-card:first-child .product-visual {
    height: auto;
    flex: 1;
    min-height: 240px;
}
.product-visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform .7s ease;
}
#prod-festgeld .product-visual img { object-position: 82% 50%; }
#prod-sparplaene .product-visual img { object-position: 8% 42%; }
#prod-etfs .product-visual img { object-position: 20% 30%; }
#prod-ipo .product-visual img { object-position: 30% 40%; }
.product-card:hover .product-visual img,
.mini-card:hover .product-visual img { transform: scale(1.07); }
.product-visual::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.12) 0%, rgba(6,16,31,.18) 38%, rgba(6,16,31,.78) 100%);
}
.product-mark {
    position: absolute;
    z-index: 1;
    left: 16px;
    top: 16px;
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: rgba(255,255,255,.94);
    color: var(--red);
    display: grid;
    place-items: center;
    border: 1px solid rgba(201,168,76,.55);
    box-shadow: 0 10px 22px rgba(6,16,31,.28);
    backdrop-filter: blur(10px);
}
.product-chip {
    position: absolute;
    z-index: 1;
    right: 14px;
    top: 16px;
    display: inline-flex;
    align-items: baseline;
    gap: 6px;
    background: rgba(8,18,34,.42);
    color: #fff;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .06em;
    padding: 8px 12px;
    border-radius: 999px;
    border: 1px solid rgba(255,255,255,.28);
    backdrop-filter: blur(14px);
    box-shadow: 0 10px 20px rgba(6,16,31,.25);
}
.product-chip b {
    font-family: var(--serif);
    font-size: 18px;
    font-weight: 600;
    color: var(--gold-soft);
    letter-spacing: 0;
}
.product-name {
    position: absolute;
    z-index: 1;
    left: 18px;
    right: 18px;
    bottom: 16px;
    margin: 0;
    color: #fff;
    font-family: var(--serif);
    font-size: clamp(22px, 2.2vw, 32px);
    font-weight: 600;
    letter-spacing: -.02em;
    line-height: 1.08;
    text-shadow: 0 12px 28px rgba(0,0,0,.45);
}
.mini-card .product-name { font-size: clamp(18px, 1.6vw, 24px); }
.product-body {
    padding: 18px 22px 22px;
    display: flex;
    flex-direction: column;
    flex: 1;
}
.product-card h3, .mini-card h3 {
    font-size: 22px;
    margin: 0 0 8px;
}
.rate { font-size: 15px; margin: 0 0 14px; color: var(--muted); }
.rate strong { font-size: 34px; color: var(--red); font-family: var(--serif); }
.product-card ul, .mini-card ul { list-style: none; padding: 0; margin: 0 0 16px; color: var(--muted); font-size: 14px; flex: 1; }
.product-card li, .mini-card li { padding: 6px 0 6px 18px; position: relative; }
.product-card li::before, .mini-card li::before { content: "★"; position: absolute; left: 0; color: var(--gold); font-size: 11px; top: 8px; }
.mini-icons { display: flex; flex-wrap: wrap; gap: 6px; margin: 0 0 12px; }
.mini-icons span {
    min-width: 36px; height: 28px; padding: 0 8px;
    display: inline-flex; align-items: center; justify-content: center; gap: 6px;
    border-radius: 999px;
    background: var(--navy-900);
    color: #fff;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .04em;
}
.mini-icons img { width: 16px; height: 16px; object-fit: contain; }
.mini-icons .has-img { background: #0c1b34; padding-left: 6px; }
.mini-note { margin: 0 0 10px; font-weight: 700; color: var(--navy-800); }

.btn-navy { background: var(--navy-900); color: #fff; }
.btn-navy:hover { background: var(--navy-800); transform: translateY(-1px); }
.ghost-link {
    display: inline-block;
    margin: 0 0 12px;
    color: var(--navy-800);
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid var(--gold);
}
.ghost-link:hover { color: var(--red); }

/* Rates jump */
.rates-jump {
    position: sticky;
    top: 85px;
    z-index: 25;
    background: rgba(6, 16, 31, .94);
    backdrop-filter: blur(18px);
    border-top: 1px solid rgba(201,168,76,.28);
    border-bottom: 1px solid rgba(201,168,76,.12);
    box-shadow: 0 12px 28px rgba(6,16,31,.22);
}
.rates-jump-inner {
    display: flex;
    gap: 8px;
    align-items: center;
    overflow-x: auto;
    min-height: 72px;
    padding: 10px 0;
    color: #fff;
    font-size: 12px;
    scrollbar-width: none;
}
.rates-jump-inner::-webkit-scrollbar { display: none; }
.rates-jump-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--gold-soft);
    letter-spacing: .16em;
    text-transform: uppercase;
    font-size: 10px;
    font-weight: 700;
    white-space: nowrap;
    margin-right: 6px;
}
.rates-jump-label .ico {
    width: 28px;
    height: 28px;
    background: rgba(201,168,76,.16);
    color: var(--gold-soft);
    border: 1px solid rgba(201,168,76,.35);
}
.rates-jump-label .ico svg { width: 14px; height: 14px; }
.rates-jump a {
    flex: 0 0 auto;
    text-decoration: none;
    white-space: nowrap;
    padding: 5px 14px 5px 5px;
    border-radius: 999px;
    color: rgba(255,255,255,.88);
    border: 1px solid rgba(201,168,76,.22);
    background: rgba(255,255,255,.04);
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
}
.rates-jump-photo {
    position: relative;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    overflow: hidden;
    flex: 0 0 auto;
    border: 1px solid rgba(201,168,76,.4);
}
.rates-jump-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.rates-jump-photo .ico {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    background: rgba(6,16,31,.38);
    color: #fff;
    border-radius: 50%;
}
.rates-jump-photo .ico svg { width: 14px; height: 14px; }
.rates-jump a:hover {
    border-color: rgba(201,168,76,.55);
    color: #fff;
    background: rgba(201,168,76,.12);
}
.rates-jump a.is-active {
    border-color: var(--red);
    color: #fff;
    background: var(--red);
    box-shadow: 0 8px 18px rgba(200,16,46,.28);
}
.rates-jump a.is-active .rates-jump-photo .ico {
    background: rgba(255,255,255,.2);
}

/* Dossiers / sheets */
.dossiers { background: var(--cream); padding: 20px 0 10px; }
.dossiers .section-head::after {
    content: "";
    display: block;
    width: 72px;
    height: 2px;
    margin-top: 22px;
    background: linear-gradient(90deg, var(--red), var(--gold));
}
.rates-index {
    display: flex;
    gap: 10px;
    overflow-x: auto;
    padding: 8px 2px 28px;
    scrollbar-width: none;
}
.rates-index::-webkit-scrollbar { display: none; }
.rates-index a {
    flex: 0 0 auto;
    width: 92px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    color: var(--muted);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    text-align: center;
}
.rates-index-photo {
    position: relative;
    width: 62px;
    height: 62px;
    border-radius: 50%;
    overflow: hidden;
    border: 1px solid var(--line);
    box-shadow: 0 12px 28px rgba(6,16,31,.12);
    transition: transform .25s ease, border-color .25s ease;
}
.rates-index-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.rates-index-photo .ico {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    background: rgba(6,16,31,.38);
    color: #fff;
    border-radius: 50%;
}
.rates-index-photo .ico svg { width: 20px; height: 20px; }
.rates-index a:hover { color: var(--navy-900); }
.rates-index a:hover .rates-index-photo {
    border-color: var(--gold);
    transform: translateY(-3px);
}
.sheet {
    padding: 64px 0;
    background: #fff;
    border-top: 1px solid rgba(18,32,51,.06);
    position: relative;
    overflow: hidden;
}
.sheet-visual { padding: 72px 0 64px; }
.sheet-bg {
    position: absolute;
    inset: 0 auto 0 42%;
    width: 58%;
    background: center / cover no-repeat;
    opacity: .22;
    pointer-events: none;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 28%, #000 78%, transparent);
    mask-image: linear-gradient(90deg, transparent, #000 28%, #000 78%, transparent);
}
.sheet-bg::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(255,253,249,.2), rgba(255,253,249,.55));
}
.sheet-mark {
    position: absolute;
    left: -40px;
    bottom: -50px;
    opacity: .05;
    pointer-events: none;
    transform: rotate(-12deg);
}
.sheet-layer { position: relative; z-index: 1; }
.sheet-show {
    display: grid;
    grid-template-columns: 1fr 280px;
    gap: 22px;
    align-items: stretch;
    margin-bottom: 22px;
}
.sheet-photo {
    margin: 0;
    position: relative;
    border-radius: 22px;
    overflow: hidden;
    min-height: 260px;
    box-shadow: 0 24px 50px rgba(6,16,31,.28);
    border: 1px solid rgba(201,168,76,.45);
}
.sheet-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    min-height: 260px;
    transform: scale(1.04);
    transition: transform .6s ease;
}
.sheet-photo:hover img { transform: scale(1.08); }
.sheet-photo::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.08) 0%, rgba(6,16,31,.62) 100%);
}
.sheet-photo .product-mark {
    top: 14px;
    left: 14px;
    bottom: auto;
}
.sheet-photo figcaption {
    position: absolute;
    z-index: 1;
    left: 18px;
    right: 18px;
    bottom: 16px;
    margin: 0;
    padding: 0;
    border-radius: 0;
    background: none;
    color: #fff;
    font-family: var(--serif);
    font-size: 22px;
    font-weight: 600;
    letter-spacing: -.02em;
    line-height: 1.15;
    text-shadow: 0 10px 24px rgba(0,0,0,.45);
    backdrop-filter: none;
}
.stat-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
    margin-bottom: 0;
}
.stat-row div {
    background: rgba(255,255,255,.92);
    border-radius: 16px;
    padding: 16px 18px;
    border: 1px solid rgba(201,168,76,.28);
    box-shadow: 0 10px 24px rgba(6,16,31,.06);
    backdrop-filter: blur(10px);
}
.stat-row .ico {
    width: 40px;
    height: 40px;
    margin-bottom: 10px;
    border-radius: 12px;
    background: #fff;
    border: 1px solid rgba(201,168,76,.5);
    color: var(--red);
}
.stat-row .ico svg { width: 18px; height: 18px; }
.stat-row b { display: block; font-family: var(--serif); font-size: 26px; color: var(--navy-900); }
.stat-row span { color: var(--muted); font-size: 12px; }
.sheet-alt { background: linear-gradient(180deg, #fbf8f2, #fff); }
.sheet-dark {
    background:
        radial-gradient(circle at 80% 0%, rgba(200,16,46,.18), transparent 36%),
        var(--navy-950);
    color: #fff;
}
.sheet-head {
    display: flex;
    justify-content: space-between;
    gap: 28px;
    align-items: end;
    margin-bottom: 28px;
}
.sheet-head p { color: var(--muted); max-width: 640px; }
.sheet-head.light p,
.sheet-head.light h3 { color: #fff; }
.sheet-head h3 { font-size: clamp(28px, 3vw, 42px); margin-bottom: 10px; }
.sheet-highlight {
    min-width: 200px;
    background: rgba(8,18,34,.9);
    color: #fff;
    border-radius: 16px;
    padding: 18px 20px;
    text-align: right;
    border: 1px solid rgba(201,168,76,.45);
    box-shadow: 0 18px 40px rgba(6,16,31,.28);
    backdrop-filter: blur(14px);
}
.sheet-highlight small { display: block; color: var(--gold-soft); letter-spacing: .08em; text-transform: uppercase; font-size: 10px; }
.sheet-highlight strong {
    display: block;
    font-family: var(--serif);
    font-size: 42px;
    line-height: 1;
    margin: 6px 0;
    color: var(--gold-soft);
}
.sheet-highlight span { color: rgba(255,255,255,.7); font-size: 13px; }
.sheet-scroll { overflow-x: auto; border-radius: 16px; box-shadow: var(--shadow); margin-bottom: 16px; }
.sheet-table { width: 100%; border-collapse: collapse; min-width: 720px; background: #fff; }
.sheet-table th {
    background: var(--navy-900);
    color: #fff;
    font-size: 12px;
    letter-spacing: .06em;
    text-transform: uppercase;
    font-weight: 600;
    padding: 14px 16px;
    text-align: left;
    white-space: nowrap;
}
.sheet-table td {
    padding: 14px 16px;
    border-bottom: 1px solid #efeae2;
    font-size: 14px;
    vertical-align: top;
}
.sheet-table td.is-bank { vertical-align: middle; }
.bank-cell {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    color: var(--navy-900);
}
.bank-logo {
    width: 72px;
    height: 36px;
    object-fit: contain;
    object-position: center;
    flex-shrink: 0;
    background: #fff;
    border: 1px solid #efeae2;
    border-radius: 8px;
    padding: 4px 6px;
}
.product-banks {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    margin: 0 0 12px;
}
.product-banks img {
    height: 28px;
    width: auto;
    max-width: 72px;
    object-fit: contain;
    background: #fff;
    border: 1px solid #efeae2;
    border-radius: 6px;
    padding: 4px 6px;
}
.bank-offers {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin: 8px 0 22px;
}
.bank-offer {
    background: #fff;
    border: 1px solid #efeae2;
    border-radius: 16px;
    padding: 18px 18px 16px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    box-shadow: 0 10px 28px rgba(18, 32, 51, .06);
}
.bank-offer-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
}
.bank-offer-top img {
    height: 34px;
    width: auto;
    max-width: 110px;
    object-fit: contain;
}
.bank-offer-land {
    font-size: 12px;
    font-weight: 600;
    color: var(--muted);
    white-space: nowrap;
}
.bank-offer h4 {
    margin: 0;
    font-size: 16px;
    line-height: 1.3;
    color: var(--navy-900);
}
.bank-offer-rate {
    margin: 0;
    font-family: var(--serif);
    font-size: 28px;
    font-weight: 700;
    color: var(--red);
    line-height: 1;
}
.bank-offer-rate span {
    font-family: var(--sans);
    font-size: 13px;
    font-weight: 500;
    color: var(--muted);
}
.bank-offer-note {
    margin: 0;
    font-size: 13px;
    line-height: 1.45;
    color: var(--muted);
    flex: 1;
}
.bank-offer-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}
.bank-tag {
    display: inline-flex;
    align-items: center;
    min-height: 28px;
    padding: 0 10px;
    border-radius: 999px;
    background: #f6f3ee;
    color: var(--navy-900);
    font-size: 12px;
    font-weight: 600;
}
.bank-tag.crypto {
    background: #fff4e5;
    color: #9a5b00;
}
.bank-offer .btn { margin-top: 4px; }
.sheet-table tbody tr:nth-child(even) { background: #fbf8f2; }
.sheet-table tbody tr:hover { background: #fff4f4; }
.sheet-table .is-rate {
    color: var(--red);
    font-family: var(--serif);
    font-size: 22px;
    font-weight: 700;
    white-space: nowrap;
}
.sheet-note { color: var(--muted); font-size: 13px; max-width: 900px; }
.risk {
    display: inline-block;
    padding: 4px 10px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
}
.risk-high { background: #fde8ec; color: var(--red); }
.risk-mid { background: #f4ead0; color: #8a6a12; }
.risk-low { background: #e7f6ee; color: #1b6b3a; }

.eurc-grid, .wandel-grid, .gold-grid {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 36px;
    align-items: center;
}
.eurc-panel, .wandel-card {
    background: var(--navy-900);
    color: #fff;
    border-radius: 22px;
    padding: 0;
    overflow: hidden;
    box-shadow: var(--shadow);
    border: 1px solid rgba(201,168,76,.35);
}
.eurc-visual, .krypto-visual {
    position: relative;
    height: 140px;
    overflow: hidden;
    background: #0c1b34;
}
.eurc-visual img, .krypto-visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.eurc-visual::after, .krypto-visual::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.12), rgba(6,16,31,.72));
}
.eurc-visual .product-mark { top: 12px; left: 12px; bottom: auto; }
.krypto-visual .product-mark { top: 12px; left: 12px; bottom: auto; }
.eurc-visual .product-name, .krypto-visual .product-name { font-size: 26px; }
.eurc-panel-body, .krypto-body, .wandel-card { padding: 24px 28px 28px; }
.wandel-card { padding: 28px; }
.eurc-mark {
    font-family: var(--serif);
    font-size: 56px;
    margin: 0;
    color: var(--gold-soft);
}
.eurc-min { color: rgba(255,255,255,.75); }
.term-ladder { list-style: none; padding: 0; margin: 18px 0 22px; }
.term-ladder li {
    display: flex;
    align-items: baseline;
    gap: 10px;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255,255,255,.08);
}
.term-ladder b {
    margin-left: auto;
    font-family: var(--serif);
    font-size: 28px;
    color: var(--gold-soft);
}
.spec-list { list-style: none; padding: 0; margin: 22px 0; }
.spec-list li {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    padding: 12px 0;
    border-bottom: 1px solid rgba(18,32,51,.08);
}
.spec-list span { color: var(--muted); }
.wandel-card h4 { font-size: 48px; margin: 8px 0; color: var(--gold-soft); }
.cta-split { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.krypto-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.krypto-card {
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(201,168,76,.28);
    border-radius: 20px;
    padding: 0;
    overflow: hidden;
}
.krypto-visual { height: 150px; }
.krypto-card:nth-child(2) .krypto-visual img { object-position: 70% 40%; filter: hue-rotate(18deg) saturate(.9); }
.krypto-card:nth-child(3) .krypto-visual img { object-position: 20% 80%; filter: hue-rotate(-12deg); }
.krypto-media {
    position: absolute;
    z-index: 1;
    top: 12px;
    left: 12px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    overflow: hidden;
    border: 1px solid rgba(201,168,76,.45);
    background: #0c1b34;
}
.krypto-media img { width: 100%; height: 100%; object-fit: cover; }
.krypto-visual .product-chip { top: 12px; right: 12px; }
.krypto-tick {
    display: inline-block;
    margin: 0 0 8px;
    padding: 4px 10px;
    border-radius: 999px;
    background: var(--red);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .12em;
}
.krypto-card h4 { font-size: 32px; margin-bottom: 6px; }
.krypto-card p { color: rgba(255,255,255,.7); margin: 0; }
.krypto-card ul { list-style: none; padding: 0; margin: 16px 0 20px; }
.krypto-card li {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,.08);
}
.krypto-card b { font-family: var(--serif); font-size: 22px; color: var(--gold-soft); }
.gold-price {
    background:
        linear-gradient(160deg, #1c1406, #3d2b0c 55%, #c9a84c);
    color: #fff;
    border-radius: 24px;
    padding: 32px;
    min-height: 280px;
    box-shadow: var(--shadow);
    border: 1px solid rgba(201,168,76,.4);
}
.gold-ico {
    width: 84px;
    height: 48px;
    object-fit: contain;
    margin-bottom: 14px;
    filter: drop-shadow(0 8px 16px rgba(0,0,0,.28));
}
.gold-label { margin: 18px 0 0; letter-spacing: .18em; text-transform: uppercase; font-size: 12px; color: var(--gold-soft); }
.gold-num {
    font-family: var(--serif);
    font-size: clamp(42px, 5vw, 64px);
    margin: 4px 0 10px;
    line-height: 1;
}
.gold-num span { font-size: 22px; color: var(--gold-soft); }
.check-list.dark li { color: var(--ink); }
.ki-disclaimer { color: rgba(255,255,255,.62); font-size: 13px; max-width: 540px; }

/* KI */
.sheet-dark .sheet-bg {
    opacity: .32;
    inset: 0;
    width: auto;
    left: 0;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 18%, #000 82%, transparent);
    mask-image: linear-gradient(90deg, transparent, #000 18%, #000 82%, transparent);
}
.sheet-dark .sheet-bg::after {
    background: linear-gradient(180deg, rgba(6,16,31,.35), rgba(6,16,31,.72));
}
.sheet-dark .sheet-mark { color: #fff; opacity: .08; }
.sheet-dark .stat-row div {
    background: rgba(255,255,255,.08);
    border-color: rgba(201,168,76,.28);
    color: #fff;
}
.sheet-dark .stat-row b { color: #fff; }
.sheet-dark .stat-row span { color: rgba(255,255,255,.7); }
.sheet-dark .sheet-photo .product-mark .ico,
.sheet-dark .krypto-visual .product-mark .ico,
.sheet-dark .eurc-visual .product-mark .ico {
    background: transparent;
    color: var(--red);
}
.sheet-dark .sheet-note { color: rgba(255,255,255,.68); }
.ki.sheet-visual {
    position: relative;
    overflow: hidden;
    padding: 72px 0;
    background: var(--navy-950);
    color: #fff;
}
.ki .sheet-bg {
    inset: 0;
    width: auto;
    left: 0;
    opacity: .28;
}
.ki .sheet-bg::after {
    background: linear-gradient(180deg, rgba(6,16,31,.45), rgba(6,16,31,.82));
}
.ki .sheet-mark { color: #fff; opacity: .08; }
.ki .stat-row div {
    background: rgba(255,255,255,.08);
    border-color: rgba(201,168,76,.28);
    color: #fff;
}
.ki .stat-row b { color: #fff; }
.ki .stat-row span { color: rgba(255,255,255,.7); }
.ki .ico { background: rgba(200,16,46,.28); color: var(--gold-soft); }
.ki-copy {
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(201,168,76,.28);
    border-radius: var(--radius);
    padding: 24px 22px;
}
.ki .ki-visual .ico {
    background: transparent;
    color: var(--red);
}
.ki-grid {
    margin-top: 8px;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    align-items: stretch;
}
.neural { width: min(280px, 100%); }
.ki-rate { font-size: 28px; }
.ki-rate strong { font-family: var(--serif); font-size: 52px; color: var(--gold-soft); }
.check-list { list-style: none; padding: 0; margin: 18px 0 0; }
.check-list li { padding: 8px 0 8px 28px; position: relative; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.ki-box {
    background: #fff;
    color: var(--ink);
    border-radius: var(--radius);
    padding: 0;
    box-shadow: 0 18px 40px rgba(6, 16, 31, .22);
    border: 1px solid rgba(201,168,76,.35);
    overflow: hidden;
    display: flex;
    flex-direction: column;
}
.ki-box.dark { background: var(--navy-800); color: #fff; }
.ki-visual {
    position: relative;
    height: 148px;
    overflow: hidden;
    background: #0c1b34;
}
.ki-visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform .5s ease;
}
.ki-box:hover .ki-visual img { transform: scale(1.06); }
.ki-visual::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.08), rgba(6,16,31,.72));
}
.ki-visual .product-mark { top: 12px; left: 12px; bottom: auto; }
.ki-visual .product-name { font-size: 22px; }
.ki-box-body { padding: 20px 22px 22px; flex: 1; display: flex; flex-direction: column; }
.ki-box h3 { font-size: 26px; margin-bottom: 10px; }
.ki-box-body .btn { margin-top: auto; }

/* Consult / form */
.consult {
    padding: 88px 0 100px;
    background:
        radial-gradient(800px 280px at 0% 0%, rgba(200,16,46,.07), transparent 55%),
        radial-gradient(700px 260px at 100% 10%, rgba(201,168,76,.12), transparent 50%),
        linear-gradient(180deg, #fff, var(--cream) 40%, #fff);
    position: relative;
    overflow: hidden;
}
.consult::before,
.consult::after {
    content: "";
    position: absolute;
    border: 1px solid rgba(201,168,76,.16);
    border-radius: 50%;
    pointer-events: none;
}
.consult::before { width: 480px; height: 480px; left: -180px; bottom: -160px; }
.consult::after { width: 280px; height: 280px; right: -80px; top: 40px; }
.consult > .container { position: relative; z-index: 1; }
.consult-copy .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.consult-copy h2 { font-size: clamp(32px, 4vw, 48px); margin-bottom: 16px; }
.consult-copy p { max-width: 460px; color: var(--muted); }
.consult-card {
    width: 100%;
    padding: 32px 34px 28px;
}
.consult-card textarea {
    width: 100%;
    border: 1px solid #e4e0d8;
    border-radius: 10px;
    padding: 12px 14px;
    background: #fbfaf7;
    min-height: 88px;
}
.consult-card select {
    width: 100%;
    border: 1px solid #e4e0d8;
    border-radius: 10px;
    padding: 12px 14px;
    background: #fbfaf7;
    color: var(--ink);
    font-size: 16px;
    line-height: 1.35;
}
.consult-grid {
    display: grid;
    grid-template-columns: minmax(280px, .78fr) minmax(0, 1.22fr);
    gap: 56px;
    align-items: start;
}
.consult-card .pack-picks {
    grid-template-columns: repeat(4, 1fr);
    gap: 12px;
    margin: 0 0 18px;
}
.consult-card .pack-pick span {
    position: relative;
    overflow: hidden;
    min-height: 108px;
    padding: 12px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    gap: 2px;
    background: #0c1b34;
    border: 1px solid rgba(201,168,76,.35);
    color: #fff;
}
.consult-card .pack-pick img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.consult-card .pack-pick span::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,16,31,.12) 0%, rgba(6,16,31,.78) 100%);
}
.consult-card .pack-pick .ico,
.consult-card .pack-pick strong,
.consult-card .pack-pick b {
    position: relative;
    z-index: 1;
}
.consult-card .pack-pick .ico {
    width: 28px;
    height: 28px;
    margin-bottom: 6px;
    background: rgba(255,255,255,.92);
    color: var(--red);
    border: 1px solid rgba(201,168,76,.5);
}
.consult-card .pack-pick .ico svg { width: 14px; height: 14px; }
.consult-card .pack-pick strong { font-size: 14px; color: #fff; }
.consult-card .pack-pick b { font-size: 12px; color: var(--gold-soft); }
.consult-card .pack-pick:hover span { border-color: var(--gold); }
.consult-card .pack-pick input:checked + span {
    border-color: var(--red);
    background: #0c1b34;
    box-shadow: inset 0 0 0 1px var(--red), 0 10px 22px rgba(200,16,46,.28);
}
.consult-card .form-row { margin-top: 6px; }
.perk-row { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 14px; }
.perk-row li {
    background: #fff;
    border-radius: 14px;
    padding: 14px 16px;
    border: 1px solid rgba(201,168,76,.28);
    box-shadow: 0 10px 24px rgba(6,16,31,.06);
    display: flex;
    align-items: center;
    gap: 14px;
}
.perk-mark {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: #fff;
    border: 1px solid rgba(201,168,76,.5);
    color: var(--red);
    display: grid;
    place-items: center;
    flex: 0 0 auto;
    box-shadow: 0 8px 16px rgba(6,16,31,.08);
}
.perk-mark .ico {
    width: 48px;
    height: 48px;
    background: transparent;
    color: var(--red);
}
.perk-mark .ico svg { width: 22px; height: 22px; }
.perk-row strong { display: block; }
.perk-row div span { color: var(--muted); font-size: 13px; }
.lead-form {
    background: #fff;
    border-radius: 22px;
    padding: 28px;
    box-shadow: var(--shadow);
    display: grid;
    gap: 12px;
    border: 1px solid rgba(201,168,76,.2);
}
.lead-form.compact { padding: 0; box-shadow: none; border: 0; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.lead-form label { display: grid; gap: 6px; font-size: 13px; font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--navy-800); }
.lead-form input, .lead-form select, .lead-form textarea {
    width: 100%;
    border: 1px solid #e4e0d8;
    border-radius: 10px;
    padding: 12px 12px;
    background: #fbfaf7;
    color: var(--ink);
    text-transform: none;
    font-size: 16px;
    line-height: 1.4;
    font-weight: 500;
    letter-spacing: 0;
}
.lead-form input:focus, .lead-form select:focus, .lead-form textarea:focus {
    outline: 2px solid rgba(201,168,76,.55);
    background: #fff;
}
.form-note, .form-status { margin: 0; font-size: 13px; color: var(--muted); }
.form-status.is-ok { color: #15803d; font-weight: 600; }
.form-status.is-err { color: var(--red); font-weight: 600; }
.form-status.is-wait {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--navy-900);
    font-weight: 600;
}
.save-spin {
    width: 16px;
    height: 16px;
    border: 2px solid rgba(200,16,46,.2);
    border-top-color: var(--red);
    border-right-color: var(--gold);
    border-radius: 50%;
    animation: save-spin .7s linear infinite;
    flex-shrink: 0;
}
.save-dots::after {
    content: "";
    display: inline-block;
    width: 1.2em;
    text-align: left;
    animation: save-dots 1.2s steps(4, end) infinite;
}
form.is-saving {
    position: relative;
    overflow: hidden;
    pointer-events: none;
    cursor: wait;
}
form.is-saving .btn[type="submit"] {
    gap: 10px;
}
.form-send {
    display: none;
    position: absolute;
    inset: 0;
    z-index: 6;
    align-items: center;
    justify-content: center;
    padding: 16px;
    background: rgba(255, 253, 249, .9);
    backdrop-filter: blur(5px);
    border-radius: 12px;
}
form.is-saving .form-send {
    display: flex;
}
.form-send-card {
    display: grid;
    justify-items: center;
    gap: 10px;
    text-align: center;
    min-width: min(240px, 100%);
}
.form-send-card p {
    margin: 0;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy-900);
}
.form-send-bar {
    width: min(220px, 72vw);
    height: 6px;
    overflow: hidden;
    background: #efeae2;
    border-radius: 99px;
}
.form-send-bar i {
    display: block;
    width: 38%;
    height: 100%;
    border-radius: 99px;
    background: linear-gradient(90deg, var(--red), var(--gold));
    animation: send-slide 1s ease-in-out infinite;
}
.btn .save-spin {
    width: 15px;
    height: 15px;
}
.btn-red .save-spin {
    border-color: rgba(255,255,255,.28);
    border-top-color: #fff;
    border-right-color: var(--gold-soft);
}
@keyframes save-spin { to { transform: rotate(360deg); } }
@keyframes save-dots {
    0% { content: ""; }
    25% { content: "."; }
    50% { content: ".."; }
    75% { content: "..."; }
    100% { content: ""; }
}
@keyframes send-slide {
    0% { transform: translateX(-120%); }
    100% { transform: translateX(280%); }
}
.form-error { color: var(--red); }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }

.cta-bar {
    position: relative;
    overflow: hidden;
    color: #fff;
    padding: 42px 0;
    background: var(--navy-900);
}
.cta-bg {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(6,16,31,.92), rgba(6,16,31,.72) 55%, rgba(6,16,31,.88)),
        url("../img/alps.jpg") center 40% / cover no-repeat;
}
.cta-row {
    position: relative;
    z-index: 1;
    display: flex;
    gap: 16px;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
}
.cta-pill {
    background: var(--red);
    color: #fff;
    border: 0;
    border-radius: 999px;
    min-height: 52px;
    padding: 0 22px;
    font-weight: 700;
    display: inline-flex;
    gap: 10px;
    align-items: center;
    text-decoration: none;
}
.cta-pill .ico {
    width: 28px;
    height: 28px;
    background: rgba(255,255,255,.16);
    color: #fff;
}
.cta-pill .ico svg { width: 14px; height: 14px; }
.cta-pill.ghost {
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(201,168,76,.45);
    backdrop-filter: blur(10px);
}
.cta-motto { margin: 0; font-family: var(--serif); font-size: 32px; line-height: 1.1; }
.cta-motto em { color: var(--gold-soft); }

.site-footer {
    position: relative;
    overflow: hidden;
    background: #040b16;
    color: rgba(255,255,255,.78);
    padding: 56px 0 28px;
    border-top: 1px solid rgba(201,168,76,.28);
}
.footer-bg {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(180deg, rgba(4,11,22,.72), rgba(4,11,22,.96)),
        url("../img/alps.jpg") center 30% / cover no-repeat;
    pointer-events: none;
}
.footer-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.3fr .8fr .9fr 1.1fr;
    gap: 40px 32px;
    padding-bottom: 36px;
    border-bottom: 1px solid rgba(201,168,76,.18);
}
.footer-brand p {
    margin: 14px 0 0;
    max-width: 280px;
    color: var(--gold-soft);
    font-family: var(--serif);
    font-size: 20px;
    line-height: 1.3;
}
.site-footer .brand { color: #fff; font-size: 22px; }
.site-footer .brand img {
    width: min(340px, 100%);
    height: auto;
    max-height: 64px;
}
.footer-col {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
}
.footer-col h3 {
    margin: 0 0 6px;
    font-family: var(--font);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--gold-soft);
}
.footer-col a {
    color: rgba(255,255,255,.82);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    line-height: 1.4;
}
.footer-col a:hover { color: #fff; }
.footer-legal a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.footer-legal a::before {
    content: "❯";
    color: var(--gold-soft);
    font-size: 11px;
}
.footer-contacts a {
    display: inline-flex;
    align-items: center;
    gap: 10px;
}
.footer-contacts .ico {
    width: 28px;
    height: 28px;
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(201,168,76,.28);
    color: var(--gold-soft);
}
.footer-contacts .ico svg { width: 13px; height: 13px; }
.footer-bottom {
    position: relative;
    z-index: 1;
    padding-top: 18px;
}
.disclaimer { margin: 0; font-size: 11px; line-height: 1.65; color: rgba(255,255,255,.48); }

/* Modal */
.modal[hidden] { display: none; }
.modal { position: fixed; inset: 0; z-index: 60; }
.modal-backdrop { position: absolute; inset: 0; background: rgba(6,16,31,.72); }
.modal-panel {
    position: relative;
    width: min(520px, calc(100% - 28px));
    margin: 4vh auto;
    background: #fff;
    border-radius: 22px;
    padding: 24px;
    max-height: 92vh;
    overflow: auto;
    box-shadow: var(--shadow);
}
.modal-close {
    position: absolute;
    right: 14px;
    top: 10px;
    border: 0;
    background: none;
    font-size: 28px;
    color: var(--muted);
}

.termin-panel { width: min(640px, calc(100% - 28px)); }
.cal {
    background: #f6f3ee;
    border-radius: 16px;
    padding: 14px;
    margin-bottom: 14px;
}
.cal-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px;
}
.cal-head strong {
    font-family: var(--serif);
    font-size: 20px;
    text-transform: capitalize;
}
.cal-head button {
    width: 36px;
    height: 36px;
    border: 1px solid #e4e0d8;
    background: #fff;
    border-radius: 10px;
    font-size: 20px;
    line-height: 1;
}
.cal-head button:hover { border-color: var(--red); color: var(--red); }
.cal-week, .cal-grid {
    display: grid;
    grid-template-columns: repeat(7, 1fr);
    gap: 6px;
}
.cal-week span {
    text-align: center;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: var(--muted);
    padding: 4px 0;
}
.cal-day {
    min-height: 40px;
    border: 0;
    background: #fff;
    border-radius: 10px;
    font-weight: 600;
    color: var(--navy-900);
}
.cal-day:hover:not(:disabled) { background: #fff6f7; color: var(--red); }
.cal-day.is-muted, .cal-day:disabled {
    background: transparent;
    color: #c5c1bb;
    cursor: not-allowed;
}
.cal-day.is-selected {
    background: var(--red);
    color: #fff;
}
.cal-day.is-today:not(.is-selected) { box-shadow: inset 0 0 0 1px var(--gold); }
.hour-picks {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 8px;
    margin-bottom: 8px;
}
.hour-pick {
    min-height: 40px;
    border: 1px solid #e4e0d8;
    background: #fbfaf7;
    border-radius: 10px;
    font-weight: 700;
    font-size: 13px;
}
.hour-pick:hover:not(:disabled) { border-color: var(--red); color: var(--red); }
.hour-pick.is-selected {
    background: var(--red);
    border-color: var(--red);
    color: #fff;
}
.hour-pick:disabled { opacity: .35; cursor: not-allowed; }

/* Admin */
.admin-body { background: var(--cream); min-height: 100vh; }
.admin-wrap { width: min(1100px, calc(100% - 32px)); margin: 60px auto; }
.admin-login {
    width: min(420px, 100%);
    margin: 12vh auto;
    background: #fff;
    padding: 32px;
    border-radius: 20px;
    box-shadow: var(--shadow);
    display: grid;
    gap: 12px;
}
.admin-login img {
    display: block;
    width: 100%;
    max-width: 320px;
    height: auto;
    margin: 0 auto 4px;
    object-fit: contain;
    background: #fff;
}
.admin-head { display: flex; justify-content: space-between; align-items: end; margin-bottom: 24px; }
.admin-table-wrap { overflow: auto; background: #fff; border-radius: 16px; box-shadow: var(--shadow); }
.admin-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.admin-table th, .admin-table td { padding: 12px 14px; border-bottom: 1px solid #eee; text-align: left; vertical-align: top; }
.admin-table th { background: var(--navy-900); color: #fff; font-weight: 600; }
.muted { color: var(--muted); }

@media (max-width: 1100px) {
    .core-grid, .trust-grid, .stat-row, .krypto-grid { grid-template-columns: repeat(2, 1fr); }
    .market-grid { grid-template-columns: repeat(2, 1fr); }
    .market-grid .mini-card,
    .market-grid .mini-card:first-child { grid-column: auto; }
    .market-grid .mini-card:first-child .product-visual {
        height: 176px;
        min-height: 0;
        flex: none;
    }
    .ki-grid, .eurc-grid, .wandel-grid, .gold-grid, .sheet-show { grid-template-columns: 1fr; }
    .sheet-photo { max-width: 420px; }
    .hero-grid, .hero-cluster { grid-template-columns: 1fr; }
    .consult-card .pack-picks { grid-template-columns: repeat(2, 1fr); }
    .script { position: static; transform: none; }
    .sheet-head { flex-direction: column; align-items: stretch; }
    .products-split { flex-direction: column; align-items: flex-start; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .bank-offers { grid-template-columns: 1fr; }
}
@media (max-width: 860px) {
    html { scroll-padding-top: 128px; }
    .container { width: min(1180px, calc(100% - 24px)); }
    .nav-toggle { display: block; }
    .main-nav {
        display: none;
        position: absolute;
        left: 0; right: 0; top: 100%;
        background: #fff;
        flex-direction: column;
        align-items: stretch;
        gap: 4px;
        padding: 12px 20px 20px;
        box-shadow: var(--shadow);
        margin: 0;
        z-index: 32;
    }
    .main-nav.is-open { display: flex; }
    .main-nav a, .main-nav .btn {
        width: 100%;
        justify-content: center;
        padding: 12px 14px;
        font-size: 16px;
        min-height: 48px;
    }
    .hero-grid, .consult-grid, .ki-grid, .hero-cluster { grid-template-columns: 1fr; }
    .hero-grid { padding: 24px 0 32px; gap: 20px; }
    .hero-copy { min-width: 0; }
    .hero-copy .eyebrow {
        letter-spacing: .1em;
        font-size: 11px;
        white-space: normal;
        line-height: 1.35;
    }
    .hero-copy h1 { font-size: clamp(30px, 9vw, 40px); line-height: 1.12; word-break: break-word; }
    .lead { font-size: 16px; max-width: none; }
    .hero-spots, .hero-rail { max-width: none; width: 100%; }
    .hero-spots {
        grid-template-columns: 1fr;
        gap: 8px;
        margin-top: 18px;
    }
    .hero-spot {
        height: 76px;
        display: grid;
        grid-template-columns: 92px 1fr;
        border-radius: 14px;
    }
    .hero-spot-mark { width: 28px; height: 28px; top: 8px; left: 8px; }
    .hero-spot-copy {
        position: relative;
        left: auto;
        right: auto;
        bottom: auto;
        padding: 12px 14px;
        align-content: center;
        z-index: 1;
    }
    .hero-spot-copy b { font-family: var(--font); font-size: 20px; }
    .hero-spot-copy i { font-size: 12px; letter-spacing: .06em; }
    .hero-spot::after {
        background: linear-gradient(90deg, rgba(6,16,31,.12) 0%, rgba(6,16,31,.82) 48%);
    }
    .hero-rail {
        justify-content: flex-start;
        gap: 10px;
        margin-top: 16px;
        padding-bottom: 2px;
        -webkit-overflow-scrolling: touch;
    }
    .hero-rail a { width: 58px; font-size: 11px; letter-spacing: .04em; }
    .hero-rail-photo { width: 48px; height: 48px; }
    .hero-actions .btn { min-height: 48px; }
    .hero-cluster { max-width: none; margin: 0; }
    .hero-form-photo { height: 110px; }
    .consult .register-card { max-width: none; margin-left: 0; }
    .hero { min-height: auto; }
    .hero-form .form-row,
    .form-row { grid-template-columns: 1fr; }
    .ico-xl svg { width: min(180px, 70vw); height: auto; }
    .hero::before, .hero::after,
    .products::before, .products::after,
    .consult::before, .consult::after { display: none; }
    .modal-panel, .termin-panel {
        width: calc(100% - 16px);
        margin: 10px auto;
        max-height: calc(100dvh - 20px);
        padding: 20px 16px 18px;
    }
}
@media (max-width: 640px) {
    html { scroll-padding-top: 118px; }
    .header-inner { min-height: 72px; gap: 12px; }
    .brand img { width: min(100%, 320px); height: auto; max-height: 52px; }
    .core-grid, .market-grid, .stat-row, .krypto-grid, .trust-grid { grid-template-columns: 1fr; }
    .trust article { padding: 16px 14px; text-align: left; }
    .trust h3 { font-size: 16px; }
    .trust p { font-size: 14px; }
    .product-visual, .mini-card .product-visual { height: 180px; }
    .hero-spots { grid-template-columns: 1fr; gap: 8px; }
    .hero-spot { height: 72px; border-radius: 12px; grid-template-columns: 80px 1fr; }
    .hero-spot-mark { width: 26px; height: 26px; top: 6px; left: 6px; }
    .hero-spot-copy { left: auto; right: auto; bottom: auto; padding: 10px 12px; }
    .hero-spot-copy b { font-size: 18px; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; }
    .cta-row { flex-direction: column; align-items: stretch; }
    .cta-pill { width: 100%; justify-content: center; }
    .cta-motto { font-size: 26px; }
    .hour-picks { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .rates-jump { top: 64px; }
    .rates-jump-inner { min-height: 58px; padding: 8px 0; }
    .rates-jump-label { display: none; }
    .rates-jump a { font-size: 13px; padding: 6px 12px 6px 6px; }
    .h2, h2 { font-size: clamp(28px, 8vw, 36px); }
    .register-card h3 { font-size: 20px; }
    .cal-day { min-height: 44px; }
    .btn { min-height: 48px; }
    input, select, textarea { font-size: 16px !important; }
}
@media (max-width: 420px) {
    .consult-card .pack-picks { grid-template-columns: 1fr; }
    .hero-copy h1 { font-size: 28px; }
    .hero-spot { height: 68px; grid-template-columns: 72px 1fr; }
}
@media (prefers-reduced-motion: reduce) {
    .reveal { animation: none; transition: none; }
    .reveal { opacity: 1; transform: none; }
}