/* style.css - Finale, erweiterte Version */
@import url('https://fonts.googleapis.com/css2?family=Roboto:wght@300;400;700&display=swap');

:root {
    --primary-color: #0056b3; /* Dunkelblau für Vertrauen (Bankenfarbe) */
    --secondary-color: #28a745; /* Grün für Erfolg/CTA */
    --accent-color: #ff9900; /* Orange für Akzente/Buttons */
    --text-color: #333;
    --light-bg: #f8f9fa;
    --white: #fff;
    --shadow: 0 4px 12px rgba(0,0,0,0.08);
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

body {
    font-family: 'Roboto', sans-serif;
    line-height: 1.6;
    color: var(--text-color);
    background-color: var(--white);
}

.container {
    width: 90%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 40px 0;
}

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

h1, h2, h3 {
    color: var(--primary-color);
    margin-bottom: 15px;
    line-height: 1.2;
}

h2 {
    font-size: 2.2em;
    margin-bottom: 40px;
}

/* Header */
header {
    background-color: var(--white);
    box-shadow: 0 2px 4px rgba(0,0,0,0.05);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 0;
}

.logo {
    font-size: 1.8em;
    font-weight: 700;
    color: var(--primary-color);
    text-decoration: none;
}

.header-cta {
    padding: 10px 20px;
    font-size: 1em;
}

/* CTA Button */
.cta-button {
    display: inline-block;
    background-color: var(--accent-color);
    color: var(--white);
    padding: 15px 30px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 700;
    font-size: 1.1em;
    transition: background-color 0.3s, transform 0.2s;
    border: none;
    cursor: pointer;
}

.cta-button:hover {
    background-color: #e68a00;
    transform: translateY(-2px);
}

/* Hero Section */
.hero {
    background: var(--light-bg);
    padding: 60px 0;
}

.hero-content {
    display: flex;
    align-items: center;
    gap: 40px;
    text-align: left;
}

.hero-text {
    flex: 1;
}

.hero-text h1 {
    font-size: 2.8em;
    color: var(--text-color);
    margin-bottom: 15px;
}

.hero-text p {
    font-size: 1.3em;
    margin-bottom: 30px;
    color: #555;
}

.hero-image {
    flex: 1;
    max-width: 500px;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: var(--shadow);
}

.hero-image img {
    width: 100%;
    height: auto;
    display: block;
}

.hero-cta-main {
    background-color: var(--secondary-color);
}

.hero-cta-main:hover {
    background-color: #1e7e34;
}

/* Short Benefits Grid */
.short-benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-bottom: 30px;
    font-size: 0.95em;
}

.short-benefit-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px;
    background-color: var(--white);
    border-left: 3px solid var(--secondary-color);
    box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.icon-small {
    color: var(--secondary-color);
    font-size: 1.2em;
}

/* Main Value Prop */
.main-value-prop {
    padding: 40px 0;
    background-color: var(--primary-color);
    color: var(--white);
}

.main-value-prop h2 {
    color: var(--white);
}

.tagline {
    display: block;
    font-size: 1.1em;
    font-weight: 300;
    margin-bottom: 10px;
}

.trust-icons-grid {
    display: flex;
    justify-content: center;
    gap: 30px;
    margin-top: 30px;
    flex-wrap: wrap;
}

.trust-icon-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.1em;
    font-weight: 700;
}

.trust-icon-item i {
    color: var(--accent-color);
    font-size: 1.5em;
}

/* Calculator Section */
.calculator-section {
    padding: 60px 0;
    background-color: var(--light-bg);
}

.calculator-box {
    background-color: var(--white);
    padding: 40px;
    border-radius: 10px;
    box-shadow: var(--shadow);
    display: flex;
    gap: 40px;
    align-items: center;
}

.calculator-text {
    flex: 1;
}

.calculator-form {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group label {
    font-weight: 700;
    margin-bottom: 5px;
    color: var(--primary-color);
}

.form-group input, .form-group select {
    padding: 10px;
    border: 1px solid #ccc;
    border-radius: 5px;
    font-size: 1em;
}

.form-group small {
    font-size: 0.85em;
    color: #666;
    margin-top: 5px;
}

/* Credit Types Section */
.credit-types-section {
    padding: 60px 0;
}

.credit-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

.credit-type-item {
    text-align: center;
    padding: 20px;
    border: 1px solid #eee;
    border-radius: 8px;
    transition: box-shadow 0.3s;
}

.credit-type-item:hover {
    box-shadow: var(--shadow);
}

.icon-large {
    font-size: 2.5em;
    color: var(--accent-color);
    margin-bottom: 15px;
}

/* Guarantee Section (New) */
.guarantee-section {
    padding: 60px 0;
    background-color: var(--white);
}

.guarantee-content {
    display: flex;
    align-items: center;
    gap: 40px;
}

.guarantee-image {
    flex: 1;
    max-width: 500px;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: var(--shadow);
}

.guarantee-image img {
    width: 100%;
    height: auto;
    display: block;
}

.guarantee-text {
    flex: 1;
}

.guarantee-text h2 {
    color: var(--secondary-color);
}

.guarantee-text ul {
    list-style: none;
    padding-left: 0;
    margin: 20px 0 30px;
}

.guarantee-text ul li {
    font-size: 1.1em;
    margin-bottom: 10px;
    display: flex;
    align-items: center;
}

.guarantee-text ul li i {
    color: var(--primary-color);
    margin-right: 10px;
}

/* Detailed Benefits Section */
.detailed-benefits-section {
    background-color: var(--light-bg);
    padding: 60px 0;
}

.detailed-benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

.detailed-benefit-item {
    display: flex;
    gap: 20px;
    background-color: var(--white);
    padding: 25px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.icon-medium {
    font-size: 2em;
    color: var(--primary-color);
    flex-shrink: 0;
}

.detailed-benefit-item h3 {
    margin-top: 0;
    font-size: 1.2em;
}

/* Testimonials Section (New) */
.testimonials-section {
    padding: 60px 0;
    background-color: var(--primary-color);
    color: var(--white);
}

.testimonials-section h2 {
    color: var(--white);
}

.testimonials-grid {
    display: flex;
    gap: 40px;
    margin-top: 40px;
    flex-wrap: wrap;
    justify-content: center;
}

.testimonial-item {
    background-color: var(--white);
    color: var(--text-color);
    padding: 30px;
    border-radius: 10px;
    box-shadow: var(--shadow);
    max-width: 45%;
    position: relative;
}

.testimonial-bubble {
    font-style: italic;
    margin-bottom: 20px;
}

.testimonial-bubble i {
    color: var(--accent-color);
    font-size: 1.5em;
    margin-right: 10px;
}

.testimonial-author {
    display: flex;
    align-items: center;
    margin-top: 20px;
    padding-top: 15px;
    border-top: 1px solid #eee;
}

.testimonial-author img {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    object-fit: cover;
    margin-right: 15px;
    border: 3px solid var(--secondary-color);
}

/* Expertise Stats Section */
.expertise-stats-section {
    padding: 60px 0;
    background-color: #3A4D63; /* Dunklerer Ton für Kontrast */
    color: var(--white);
}

.expertise-stats-section h2 {
    color: var(--white);
}

.stats-grid {
    display: flex;
    justify-content: space-around;
    flex-wrap: wrap;
    margin-top: 40px;
}

.stat-item {
    text-align: center;
    padding: 20px;
}

.stat-value {
    display: block;
    font-size: 3em;
    font-weight: 700;
    color: var(--accent-color);
    line-height: 1;
}

.stat-label {
    display: block;
    font-size: 1.1em;
    margin-top: 5px;
}

/* How It Works Section */
.how-it-works-section {
    padding: 60px 0;
}

.sub-text {
    font-size: 1.1em;
    color: #666;
    margin-bottom: 40px;
}

.how-it-works-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
    position: relative;
}

.step-item {
    text-align: center;
    padding: 30px 20px;
    background-color: var(--light-bg);
    border-radius: 8px;
    position: relative;
}

.step-number {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    width: 50px;
    height: 50px;
    background-color: var(--secondary-color);
    color: var(--white);
    border-radius: 50%;
    font-size: 1.5em;
    font-weight: 700;
    margin-bottom: 15px;
    box-shadow: 0 0 0 5px var(--white), 0 0 0 7px var(--secondary-color);
}

/* FAQ Section (Accordion) */
.faq-section {
    padding: 60px 0;
    background-color: var(--light-bg);
}

.faq-list {
    max-width: 800px;
    margin: 40px auto 0;
}

.faq-item {
    margin-bottom: 10px;
    border: 1px solid #ddd;
    border-radius: 5px;
    overflow: hidden;
}

.faq-toggle {
    display: none;
}

.faq-question {
    display: block;
    background-color: var(--white);
    padding: 15px 20px;
    cursor: pointer;
    font-weight: 700;
    color: var(--primary-color);
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: background-color 0.3s;
}

.faq-question:hover {
    background-color: #f1f1f1;
}

.faq-question i {
    transition: transform 0.3s;
}

.faq-toggle:checked + .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease-out;
    background-color: var(--white);
}

.faq-toggle:checked ~ .faq-answer {
    max-height: 500px; /* Muss groß genug sein, um den Inhalt zu halten */
    transition: max-height 0.5s ease-in;
}

.faq-answer p {
    padding: 15px 20px;
    border-top: 1px solid #eee;
    margin: 0;
}

/* Footer CTA */
.footer-cta-section {
    background-color: var(--secondary-color);
    color: var(--white);
    padding: 60px 0;
}

.footer-cta-section h2 {
    color: var(--white);
    font-size: 2.5em;
}

.footer-cta-section p {
    font-size: 1.2em;
    margin-bottom: 30px;
}

.footer-cta-section .cta-button {
    background-color: var(--accent-color);
}

.footer-cta-section .cta-button:hover {
    background-color: #e68a00;
}

/* Footer */
footer {
    background-color: #333;
    color: var(--light-bg);
    text-align: center;
    padding: 20px 0;
    font-size: 0.9em;
}

footer a {
    color: var(--accent-color);
    text-decoration: none;
}

/* Responsive Design */
@media (max-width: 992px) {
    .hero-content, .guarantee-content {
        flex-direction: column;
        text-align: center;
    }

    .hero-text, .guarantee-text {
        order: 2;
    }

    .hero-image, .guarantee-image {
        order: 1;
        margin-bottom: 30px;
    }

    .calculator-box {
        flex-direction: column;
    }

    .calculator-text, .calculator-form {
        flex: none;
        width: 100%;
    }

    .short-benefits-grid {
        grid-template-columns: 1fr;
    }

    .stats-grid {
        gap: 20px;
    }

    .testimonials-grid {
        flex-direction: column;
        gap: 20px;
    }

    .testimonial-item {
        max-width: 100%;
    }
}

@media (max-width: 768px) {
    h1 {
        font-size: 2em;
    }
    h2 {
        font-size: 1.8em;
    }
    .container {
        padding: 20px 0;
    }
    .trust-icons-grid {
        flex-direction: column;
        gap: 15px;
    }
    .detailed-benefits-grid {
        grid-template-columns: 1fr;
    }
    .stat-value {
        font-size: 2.5em;
    }
}


/* === FinBot Refresh (light, mobile-first) === */
.hero { background: linear-gradient(135deg, #f7fbff 0%, #eef6ff 50%, #ffffff 100%); }
.hero-badge { background: rgba(0,86,179,0.08); color: #003a80; }
.highlight { color: #0056b3; }
.hero-image img { border-radius: 22px; box-shadow: 0 20px 60px rgba(0,0,0,0.12); }

.benefit-ill{
  width: 56px;
  height: 56px;
  border-radius: 14px;
  object-fit: cover;
  flex: 0 0 auto;
  box-shadow: 0 10px 24px rgba(0,0,0,0.10);
  margin-right: 14px;
}

.detailed-benefit-item{
  align-items: center;
  gap: 0.75rem;
}

.testimonials-section{
  background-image: url('images/testimonial_bg.png');
  background-size: cover;
  background-position: center;
}

@media (max-width: 768px){
  .hero-content{ grid-template-columns: 1fr !important; }
  .hero-image{ margin-top: 1.5rem; }
  .header-content{ flex-wrap: wrap; gap: 10px; }
  .header-right{ width: 100%; justify-content: space-between; }
}