@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Manrope:wght@400;500;600;700;800&display=swap');:root{--ink:#14212b;--deep:#111c25;--gold:#d4ab63;--muted:#6c7780;--line:#e4e7e8;--bg:#f4f5f3}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:DM Sans,Arial,sans-serif;color:var(--ink);background:#fff}a{text-decoration:none;color:inherit}button,input,select{font:inherit}button{cursor:pointer}.wrap{max-width:1240px;margin:auto;padding-left:28px;padding-right:28px}.topline{background:#0a141c;color:#c8d0d4;font-size:11px;font-weight:700;letter-spacing:1px}.topflex{display:flex;justify-content:space-between;align-items:center;min-height:33px}.dot{color:var(--gold);margin:0 8px}.header{position:sticky;top:0;z-index:100;background:white;box-shadow:0 1px 10px #00000011}.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{display:flex;align-items:center;gap:12px;color:#162633}.brandmark{background:#cfa85e;color:#13222e;width:49px;height:49px;display:grid;place-items:center;font:900 32px Manrope;position:relative}.brandline{position:absolute;bottom:8px;right:5px;width:16px;height:3px;background:#14212b}.brand strong{display:block;font:800 27px Manrope;letter-spacing:3px;line-height:1}.brand small{display:block;font:800 9px Manrope;letter-spacing:4.1px;margin-top:6px}
.brand-image{display:flex;align-items:center;min-width:0}
.brandlogo{display:block;height:52px;width:auto;max-width:100%;background:#0f1c26;padding:8px 14px;border-radius:4px;box-shadow:0 8px 18px rgba(0,0,0,.08)}
.footlogo img{display:block;height:58px;width:auto;max-width:100%;background:#0f1c26;padding:10px 14px;border-radius:4px}
@media(max-width:740px){.brandlogo{height:44px;padding:6px 11px}.footlogo img{height:50px}}
.desktop{display:flex;gap:31px;align-items:center}.desktop a{font-size:14px;font-weight:700}.desktop a:hover,.centerlink a:hover{color:#b8883d}.btn{display:inline-flex;align-items:center;justify-content:center;gap:21px;border:0;min-height:54px;padding:0 24px;font-weight:800;font-size:13px;transition:transform .2s,background .2s;white-space:nowrap}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--gold);color:#152330}.btn-primary:hover{background:#e4be78}.btn-primary span{font-size:19px}.btn-outline-white{border:1px solid #ffffff75;color:white;background:#ffffff0d}.btn-white{background:#fff;color:var(--ink)}.btn-dark{background:var(--ink);color:#fff}.menubtn{display:none;background:none;border:0;font-size:27px}.mobilemenu{display:none}.hero{min-height:652px;background:#14222a;position:relative;overflow:hidden;color:white}.heroimage{position:absolute;inset:0;background:url('https://www.isufi-gerueste.ch/wp-content/uploads/2024/08/Isufi-Gerueste-AG-Top-Geruestbau-1024x768.jpeg') center 47%/cover no-repeat;opacity:.68}.herofade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,19,28,.98) 0%,rgba(9,19,28,.89) 35%,rgba(9,19,28,.27) 80%),linear-gradient(0deg,#0b151c9e,transparent 50%)}.herocontent{position:relative;padding-top:90px;padding-bottom:106px}.hero-kicker,.eyebrow{font-size:11px;letter-spacing:2px;color:#af843e;font-weight:800}.hero-kicker{color:#dfbb7b}.pulsedot{display:inline-block;height:8px;width:8px;border-radius:50%;background:#dfb56a;margin-right:9px;box-shadow:0 0 0 6px #d7ac6430}.hero h1,.subhero h1{font-family:Manrope,Arial,sans-serif;font-size:clamp(46px,5.25vw,78px);line-height:1.08;letter-spacing:-3.5px;font-weight:800;margin:22px 0}.hero h1 em,.subhero h1 em,h2 em{font-style:normal;color:var(--gold)}.herocontent>p,.subhero p{max-width:590px;font-size:17px;color:#d3d8da;line-height:1.8}.heroactions{display:flex;flex-wrap:wrap;gap:11px;margin-top:28px}.heroproof{display:flex;flex-wrap:wrap;gap:26px;font-size:12px;color:#e7e9e9;margin-top:34px}.heroindex{position:absolute;bottom:24px;right:40px;color:#d1d5d5;font-size:10px;letter-spacing:2px}.quickwrap{position:relative;margin-top:-46px;z-index:3}.quickform{background:#fff;box-shadow:0 20px 65px #14212b21;padding:25px 30px 19px;border:1px solid #e7e7e7}.qtitle{font-size:11px;letter-spacing:1.6px;font-weight:800;margin-bottom:16px}.qtitle span{color:var(--gold);font-size:18px}.qfields{display:grid;grid-template-columns:1fr 1.2fr 1fr auto;gap:12px;align-items:end}.qfields label{display:flex;flex-direction:column;font-size:11px;font-weight:800;gap:9px;color:#637079}.qfields input,.qfields select{height:51px;padding:0 13px;width:100%;border:1px solid #dcdfe1;background:white;color:#17232b;outline-color:var(--gold);border-radius:0;font-size:14px}.qfields button{height:51px}.quickform>p{font-size:11px;color:#8a9398;margin:11px 0 0}.section{padding:105px 0}.section.shaded{background:#f4f5f3}.sectionhead{display:flex;justify-content:space-between;align-items:end;gap:50px;margin-bottom:38px}.sectionhead>p{max-width:345px;color:#657078;line-height:1.8;margin:0 0 7px}.section h2,.statement h2,.lastcta h2{font:800 clamp(33px,3.4vw,52px)/1.17 Manrope,Arial;letter-spacing:-2px;margin:15px 0 0}.audiencegrid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.audience{min-height:365px;padding:32px 35px;display:flex;flex-direction:column;justify-content:space-between;transition:transform .3s;background:#d6dadb;position:relative;overflow:hidden}.audience:hover{transform:translateY(-5px)}.audience:before{content:'';position:absolute;inset:0;background:linear-gradient(0deg,#0b1722ee,#0b17228c);z-index:0}.audience.private{background:url('audience-privatkunden.jpg') center center/cover no-repeat}.audience.business{background:url('audience-geschaeftskunden.jpg') center center/cover no-repeat}.audience>*{position:relative;color:white}.audience .number{font-size:11px;color:#e9c27c;letter-spacing:2px;font-weight:800}.audience h3{font:800 33px/1.2 Manrope;letter-spacing:-1px;margin:0 0 12px}.audience p{max-width:370px;color:#d7dadb;font-size:14px;line-height:1.6}.biglink{display:flex;justify-content:space-between;border-top:1px solid #ffffff5c;padding-top:17px;margin-top:23px;font-weight:800;font-size:13px}.biglink b{font-size:22px;color:var(--gold)}.services{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.servicecard{min-height:210px;background:white;border:1px solid #e7e8e6;padding:27px;display:flex;flex-direction:column;align-items:flex-start;justify-content:space-between;transition:background .2s}.servicecard:hover{background:#f9f1e3}.iconbox{font-size:32px;color:#bc9451}.servtitle{font:800 18px Manrope}.arrowlink{color:#7e8488;font-size:12px;font-weight:700}.statement{background:#1c2b34;color:white;padding:63px 0}.statementinner{display:flex;justify-content:space-between;align-items:center;gap:30px}.eyebrow.light{color:#ddb877}.statement h2{font-size:clamp(30px,3vw,48px)}.references{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.refcard{border:1px solid #e4e7e8;background:#fff}.refcard img{width:100%;height:236px;object-fit:cover;display:block}.refcard>div{padding:23px}.refcard small{font-size:10px;letter-spacing:1.4px;color:#9a7c49;font-weight:800}.refcard h3{font:800 20px Manrope;margin:12px 0 17px}.refcard a{font-size:12px;color:#53616a;font-weight:800}.centerlink{text-align:center;padding-top:28px;font-size:13px;font-weight:800}.searchline{background:white;border:1px solid #ddd;display:flex;align-items:center;padding:0 21px;gap:17px;height:63px;margin-bottom:20px}.searchline>span:first-child{font-size:28px}.searchline input{border:0;outline:none;flex:1;min-width:0;font-size:14px}.searchline>span:last-child{font-size:11px;color:#7f898d;white-space:nowrap}.kantongrid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}.kantongrid a{background:white;border:1px solid #e3e6e6;display:flex;justify-content:space-between;padding:17px 17px;font-size:13px;font-weight:800}.kantongrid a:hover{border-color:#d3aa63;background:#fffaf3}.kantongrid a span{font-size:11px;color:#9da5a9}.kantongrid a[hidden]{display:none}.tiny{font-size:11px;color:#8d9498;line-height:1.6}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.steps>div{border-top:2px solid #d4ab63;padding-top:20px}.steps b{font:800 35px Manrope;color:#c5a46b}.steps h3{font:800 20px Manrope}.steps p{color:#6a747c;line-height:1.7}.lastcta{background:#d4ab63;padding:77px 0}.endflex{display:flex;gap:40px;justify-content:space-between;align-items:center}.lastcta h2{color:#162630}.lastcta h2 em{color:#fff}.lastcta p{max-width:565px;line-height:1.8}.endbuttons{display:flex;flex-direction:column;gap:10px;align-items:stretch}.endbuttons .btn{min-width:235px}.lastcta .btn-outline-white{border-color:#18242c;color:#17232c}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:40px;padding-top:65px;padding-bottom:55px}footer{background:#111d26;color:#d7dddd}footer p{line-height:1.8;font-size:12px;max-width:280px;color:#9eaaaf}footer a{display:block;font-size:12px;color:#abb6bb;margin-top:13px}footer b{font-size:12px;color:white}.footlogo{font:800 26px Manrope;letter-spacing:3px;color:white}.footlogo small{font-size:10px;letter-spacing:2px;display:block;color:#d4ab63}.copyright{border-top:1px solid #ffffff1c;padding-top:22px;padding-bottom:28px;display:flex;justify-content:space-between;color:#879399;font-size:11px}.copyright a{display:inline}.fixedcta{display:none}.subhero{background:linear-gradient(115deg,#0d1b25,#273b46);color:white;padding:92px 0 104px}.subhero.small{padding:72px 0 79px}.subhero h1{font-size:clamp(42px,4.7vw,67px)}.subhero p{max-width:740px}.subhero .btn{margin-top:5px}.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:75px;align-items:center}.two-col p{line-height:1.9;color:#65717a;font-size:15px}.checklist{background:#f2f4f4;padding:30px}.checklist div{padding:19px;border-bottom:1px solid #dce0e1;font-weight:800}.checklist div:last-child{border:0}.info-panel{background:#f3f5f4;padding:35px}.info-panel h3{margin-top:0;font:800 23px Manrope}.info-panel p{border-bottom:1px solid #dde1e2;padding-bottom:15px;color:#58656f;line-height:1.5}.info-panel>a:not(.btn){font-weight:800;color:#b08b4d}.faqs{max-width:810px;margin-top:35px}.faqs details{border-bottom:1px solid #dce0e1;padding:20px 0}.faqs summary{cursor:pointer;font-weight:800}.faqs p{line-height:1.7;color:#607078}.duobutton{display:flex;gap:14px;margin-top:25px}.formhero{padding:60px 0}.form-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.form-layout>div>p{line-height:1.8;color:#6c757b}.formbox{box-shadow:0 15px 45px #11111116;background:#fff}.formtop{background:#162630;color:white;display:flex;justify-content:space-between;gap:10px;padding:20px}.formtop span{font-size:10px;letter-spacing:1px;color:#d4ab63}.formbox iframe{display:block;border:0}.formbottom{font-size:11px;color:#7f898d;padding:16px}.requestcontext{padding:14px;background:#fcf5e6;font-size:12px;line-height:1.7}.legal{max-width:900px}.legal p{line-height:1.8}.legal a{color:#9d7942}@media(max-width:1020px){.desktop{gap:16px}.desktop a{font-size:12px}.services{grid-template-columns:repeat(2,1fr)}.qfields{grid-template-columns:repeat(2,1fr)}.kantongrid{grid-template-columns:repeat(3,1fr)}.footgrid{gap:25px}}@media(max-width:740px){.wrap{padding-left:20px;padding-right:20px}.topline{display:none}.nav{min-height:73px}.brand strong{font-size:23px}.headcta,.desktop{display:none}.menubtn{display:block}.mobilemenu.open{display:flex}.mobilemenu{flex-direction:column;padding:15px 20px 25px;border-top:1px solid #eee;gap:0}.mobilemenu a{padding:13px 4px;border-bottom:1px solid #eee;font-weight:800}.hero{min-height:610px}.heroimage{background-position:center}.herofade{background:linear-gradient(90deg,#0b1621ed,#0b1621a3)}.herocontent{padding-top:65px;padding-bottom:94px}.hero h1,.subhero h1{letter-spacing:-2px}.hero h1{font-size:clamp(43px,9vw,65px)}.hero p{font-size:15px}.heroactions .btn{width:100%}.heroproof{gap:8px 16px;font-size:10px}.heroindex{display:none}.quickwrap{margin-top:-34px}.quickform{padding:20px}.qfields{grid-template-columns:1fr}.qfields label{gap:6px}.section{padding:67px 0}.sectionhead{display:block}.sectionhead>p{margin-top:19px}.section h2{font-size:35px;letter-spacing:-1.5px}.audiencegrid,.references,.steps,.two-col,.form-layout{grid-template-columns:1fr}.audience{min-height:330px;padding:27px}.services{grid-template-columns:repeat(2,1fr)}.servicecard{min-height:150px;padding:18px}.servtitle{font-size:15px}.iconbox{font-size:23px}.statementinner,.endflex{display:block}.statement .btn{margin-top:25px}.kantongrid{grid-template-columns:repeat(2,1fr)}.kantongrid a{font-size:12px;padding:14px 10px}.searchline{padding:0 12px}.searchline input{font-size:12px}.footgrid{grid-template-columns:1fr 1fr}.footgrid>div:first-child{grid-column:span 2}.copyright{display:block;line-height:2.5}.copyright span{display:block}.fixedcta{position:fixed;bottom:0;left:0;right:0;z-index:99;display:grid;grid-template-columns:1fr 1fr;box-shadow:0 -5px 20px #0004;background:#fff;padding:7px;gap:7px}.fixedcta a{background:#172731;color:white;padding:13px;text-align:center;font-weight:800;font-size:14px}.fixedcta a:last-child{background:var(--gold);color:#1a2730}footer{padding-bottom:64px}.endbuttons{margin-top:22px}.subhero{padding:62px 0}.two-col{gap:30px}.form-layout{gap:30px}}@media(max-width:420px){.services,.kantongrid{grid-template-columns:1fr 1fr}.servicecard{padding:14px}.servtitle{font-size:13px}.footgrid{grid-template-columns:1fr 1fr;gap:28px 16px}.brandmark{width:41px;height:41px}}
/* Formular: volle Breite und automatische Hoehe durch Jotform Embed Handler */
.formbox{min-width:0;overflow:visible}.form-layout>div{min-width:0}.formbox iframe{width:100%;max-width:100%;border:0;overflow:hidden}@media(max-width:740px){.formtop{flex-wrap:wrap}.form-layout{gap:28px}}

/* ISUFI BLUE BRANDING - v1.3 */
:root{--ink:#073a82;--deep:#063779;--gold:#d4ab63;--muted:#657995;--line:#e0e8f5;--bg:#f1f6ff}
.topline{background:#003d94;color:#fff}
.header{border-bottom:3px solid #0053b5}
.nav{min-height:86px}
.brandlogo{background:#00499f;border-radius:3px}
.hero{background:#063b86}
.herofade{background:linear-gradient(90deg,rgba(0,43,111,.98),rgba(0,65,154,.87) 43%,rgba(0,58,141,.18) 100%),linear-gradient(0deg,rgba(1,35,84,.55),transparent)}
.subhero{background:linear-gradient(115deg,#002e71,#0053b7 80%)}
.subhero h1 em,.hero h1 em{color:#edc982}
.statement{background:linear-gradient(110deg,#003e95,#0060c9)}
.lastcta{background:linear-gradient(110deg,#00459f,#0064d6);color:white}
.lastcta h2,.lastcta p{color:white}
.lastcta h2 em{color:#ffde9b}
footer{background:#062454}
.btn-primary{background:#dfb668;color:#082d65;box-shadow:0 6px 15px #002b6d20}
.btn-primary:hover{background:#f0ca7f}
.btn-dark{background:#004ba5}
.btn-outline-blue{color:#0053aa;border:2px solid #0053aa;background:white}
.btn-outline-blue:hover{background:#e6f0ff}
.servicecard:hover{background:#eff6ff;border-color:#86b8f4}
.servicecard{border-color:#dce8f6}
.section.shaded{background:#eff5ff}
.section h2,.statement h2,.lastcta h2{letter-spacing:-1.7px}
.section h2 em{color:#0860bb}
.eyebrow{color:#0056b9}
.refcard{border-color:#d5e4f7}
.kantongrid a:hover{background:#eff6ff;border-color:#0063c9}
.audience .number{color:#ffd38e}
.audience:before{background:linear-gradient(0deg,#002c70eb,#00438a70)}
.quickform{border-top:5px solid #0060bc}
.formtop{background:#004da8}
.fixedcta a{background:#00489e}
.footlogo img{background:#003979}
.teamgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.teamcard{overflow:hidden;background:#fff;border:1px solid #d8e5f7;box-shadow:0 10px 26px #062f6510;transition:transform .22s ease,box-shadow .22s ease}
.teamcard:hover{transform:translateY(-4px);box-shadow:0 16px 35px #003c831f}
.teamphoto{width:100%;aspect-ratio:1.12;overflow:hidden;background:#e8eef7}
.teamphoto img{width:100%;height:100%;display:block;object-fit:cover;object-position:top center;transition:transform .3s}
.teamcard:hover .teamphoto img{transform:scale(1.03)}
.teamcopy{border-top:4px solid #065cbd;padding:20px 22px 23px}
.teamrole{display:block;font-size:11px;font-weight:800;letter-spacing:1.3px;text-transform:uppercase;color:#4d78ac}
.teamcopy h3{font:800 24px Manrope,Arial,sans-serif;color:#083c82;margin:9px 0 0}
.teamcta{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
@media(max-width:800px){.teamgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:520px){.teamgrid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.teamcopy{padding:14px}.teamcopy h3{font-size:17px}.teamrole{font-size:9px;letter-spacing:.4px}.teamcta .btn{width:100%}.hero .herofade{background:linear-gradient(90deg,#002b72f2,#003c89af)}}

/* Version 1.4: ISUFI Markenblau, einheitlich auf allen Seiten */
:root{--ink:#0a3675;--deep:#0050b6;--gold:#d4ab63;--muted:#61738d;--line:#dbe6f5;--bg:#f4f8ff}
.topline{background:#0047a5}
.header{border-bottom:3px solid #0050b6}
.brandlogo{background:#004aa9}
.hero{background:#0047a5}
.herofade{background:linear-gradient(90deg,rgba(0,42,100,.97) 0%,rgba(0,68,164,.83) 44%,rgba(0,73,173,.22) 100%),linear-gradient(0deg,rgba(0,44,100,.3),transparent 60%)}
.subhero{background:linear-gradient(115deg,#003c8e 0%,#0050b6 63%,#0064cf 100%)}
.statement{background:linear-gradient(110deg,#003e94,#005bbb)}
.lastcta{background:linear-gradient(110deg,#0049a7,#005fc5)}
footer{background:#072b5e}
.formtop{background:#0050b6}
.fixedcta a{background:#0050b6}
.btn-dark{background:#0050b6}
.btn-outline-blue{color:#0050b6;border-color:#0050b6}
.btn-outline-blue:hover{background:#eef5ff}
.section h2 em,.eyebrow{color:#0050b6}
.section.shaded{background:#f1f6ff}
.quickform{border-top-color:#0050b6}
.servicecard:hover,.kantongrid a:hover{border-color:#0050b6;background:#f2f7ff}
.teamcopy{border-top-color:#0050b6}
.teamcopy h3{color:#06438e}
.teamrole{color:#0050b6}
@media(max-width:520px){.hero .herofade{background:linear-gradient(90deg,rgba(0,46,115,.96),rgba(0,66,153,.83))}}

/* v1.5 regional and service SEO content */
.seo-prose{max-width:1184px}.seo-prose h2{max-width:850px;margin:14px 0 23px;font:800 clamp(28px,3.2vw,45px)/1.2 Manrope,Arial,sans-serif;color:var(--ink);letter-spacing:-1.5px}.seo-prose h3{font:800 clamp(19px,2vw,24px)/1.3 Manrope,Arial,sans-serif;color:var(--ink);margin:28px 0 12px}.seo-prose p,.seo-prose li{color:#405571;line-height:1.87;font-size:15px}.seo-prose p{max-width:980px;margin:0 0 17px}.seo-columns{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(280px,.8fr);gap:58px;align-items:start}.seo-panel{background:#fff;border:1px solid #d7e5f7;border-left:4px solid #075db6;padding:27px;box-shadow:0 10px 30px #003e8010}.seo-panel h3{margin-top:0}.seo-buttons{display:flex;flex-direction:column;gap:12px;margin-top:22px}.seo-buttons a,.seo-action a{display:flex;align-items:center;justify-content:center;min-height:48px;background:#0759b6;color:#fff;font-weight:800;text-align:center;padding:12px 20px;font-size:13px}.seo-buttons a:first-child,.seo-action a:first-child{background:#d9ae62;color:#10346a}.seo-links{display:flex;flex-wrap:wrap;gap:9px;margin:23px 0 28px}.seo-links a{display:inline-flex;border:1px solid #adc7e7;padding:10px 15px;color:#0754ae;background:#fff;font-size:13px;font-weight:800}.seo-links a:hover{border-color:#0754ae;background:#edf5ff}.seo-topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px;margin:24px 0}.seo-topic-grid article{padding:25px;background:#fff;border:1px solid #dbe8f6}.seo-topic-grid h3{margin-top:0}.seo-steps{padding-left:24px;margin:20px 0 25px}.seo-steps li{margin-bottom:10px}.seo-action{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.seo-action a{min-width:220px}@media(max-width:740px){.seo-columns,.seo-topic-grid{grid-template-columns:1fr;gap:20px}.seo-panel{padding:22px}.seo-prose h2{letter-spacing:-.8px}.seo-action a{width:100%}}

/* Premium Referenzen v1.7 */
.premium-references{background:linear-gradient(180deg,#f7faff 0%,#eef4ff 100%)}
.premiumref-head{align-items:flex-end}
.refproof{display:flex;flex-wrap:wrap;gap:10px;margin:-8px 0 22px}
.refproof span{display:inline-flex;align-items:center;min-height:40px;padding:0 16px;border:1px solid #cfe0f8;background:#fff;border-radius:999px;font-size:12px;font-weight:800;color:#114487;box-shadow:0 6px 16px rgba(8,53,120,.06)}
.refshowcase{display:grid;grid-template-columns:1.15fr .85fr;gap:22px;align-items:stretch}
.refstack{display:grid;grid-template-rows:1fr 1fr;gap:22px}
.ref-feature-card,.ref-small-card{background:#fff;border:1px solid #d9e6f7;box-shadow:0 18px 40px rgba(8,46,97,.08);overflow:hidden;transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease}
.ref-feature-card:hover,.ref-small-card:hover{transform:translateY(-6px);box-shadow:0 22px 48px rgba(8,46,97,.14);border-color:#9fc0ef}
.refimage{display:block;position:relative;overflow:hidden;background:#dfeaf8}
.refimage::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(2,33,86,0) 0%,rgba(7,50,117,.1) 100%);pointer-events:none}
.refimage img{width:100%;height:100%;display:block;object-fit:cover;transition:transform .45s ease}
.ref-feature-card:hover .refimage img,.ref-small-card:hover .refimage img{transform:scale(1.04)}
.refimage-large{height:620px}
.ref-small-card .refimage{height:255px}
.refcontent{padding:26px 28px 28px}
.refcontent.small{padding:22px 24px 24px}
.reflabel{display:inline-block;font-size:11px;line-height:1.4;letter-spacing:1.8px;font-weight:800;color:#b38336;text-transform:uppercase;margin-bottom:14px}
.refcontent h3{font:800 clamp(28px,2.5vw,42px)/1.12 Manrope,Arial,sans-serif;letter-spacing:-1.6px;color:#083d86;margin:0 0 14px}
.refcontent.small h3{font-size:29px}
.refcontent p{margin:0;color:#5a6f89;line-height:1.8;font-size:15px;max-width:92%}
.refcta{display:inline-flex;align-items:center;gap:10px;margin-top:18px;font-weight:800;color:#0c4ca8;font-size:13px}
.premiumref-bottom{margin-top:24px;padding:26px 28px;background:#0a3b86;color:#fff;display:flex;justify-content:space-between;align-items:center;gap:28px;box-shadow:0 18px 35px rgba(4,41,99,.18)}
.premiumref-bottom b{display:block;font:800 24px/1.2 Manrope,Arial,sans-serif;margin-bottom:8px}
.premiumref-bottom p{margin:0;max-width:720px;line-height:1.8;color:#d8e5fb;font-size:14px}
.premiumref-actions{display:flex;flex-wrap:wrap;gap:10px}
.premiumref-actions .btn{min-width:220px}
@media(max-width:1050px){.refshowcase{grid-template-columns:1fr}.refstack{grid-template-columns:1fr 1fr;grid-template-rows:none}.refimage-large{height:540px}.ref-small-card .refimage{height:235px}.premiumref-bottom{display:block}.premiumref-actions{margin-top:18px}}
@media(max-width:740px){.refproof{margin:8px 0 18px}.refproof span{width:100%;justify-content:center}.refstack{grid-template-columns:1fr}.refimage-large{height:380px}.ref-small-card .refimage{height:220px}.refcontent,.refcontent.small{padding:18px 18px 20px}.refcontent h3{font-size:30px}.refcontent.small h3{font-size:24px}.refcontent p{max-width:none;font-size:14px}.premiumref-bottom{margin-top:18px;padding:20px}.premiumref-bottom b{font-size:21px}.premiumref-actions .btn{width:100%}}

/* v1.12: Groessere Menueschrift, ohne sonstige Designaenderungen */
@media (min-width: 741px){
  .desktop{gap:clamp(12px,1.65vw,25px)}
  .desktop a{font-size:17px;line-height:1.35;font-weight:800;white-space:nowrap}
  .nav{gap:14px}
}
@media (min-width:741px) and (max-width:1100px){
  .desktop{gap:12px}
  .desktop a{font-size:15px}
  .headcta{padding:0 15px;font-size:12px}
}
@media (max-width:740px){
  .mobilemenu a{font-size:18px;line-height:1.45}
}

.audience.private{background-image:url('audience-privatkunden.jpg')!important}.audience.business{background-image:url('audience-geschaeftskunden.jpg')!important}

/* Premium Ratgeber | v1.13 */
.guide-hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#052658 0%,#064da8 65%,#1168c2 100%);color:#fff;padding:92px 0 100px}
.guide-hero:before{content:"";position:absolute;right:-130px;top:-250px;width:680px;height:680px;border:1px solid #ffffff26;border-radius:50%;box-shadow:0 0 0 100px #ffffff09,0 0 0 210px #ffffff06;pointer-events:none}
.guide-hero .wrap{position:relative}.guide-eyebrow{font-size:12px;letter-spacing:2.4px;text-transform:uppercase;color:#e5bd73;font-weight:800}
.guide-hero h1{font:800 clamp(42px,5vw,72px)/1.1 Manrope,Arial,sans-serif;letter-spacing:-2.8px;margin:18px 0 23px;max-width:890px}
.guide-hero h1 em{font-style:normal;color:#edca86}.guide-hero p{max-width:720px;font-size:17px;color:#e0ebfa;line-height:1.8}
.guide-actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:29px}.guide-hero .guide-breadcrumb{font-size:12px;color:#d5e4fa;margin-bottom:21px}.guide-hero .guide-breadcrumb a{text-decoration:underline;text-underline-offset:3px}
.guide-intro{max-width:880px;margin:0 auto 45px;text-align:center}.guide-intro p{line-height:1.85;color:#5a6e84}
.guide-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.guide-tile{display:flex;flex-direction:column;gap:13px;min-height:288px;padding:27px;background:#fff;border:1px solid #dbe6f3;border-top:4px solid #0960bd;box-shadow:0 16px 34px #073b8010;transition:transform .2s ease,box-shadow .2s ease}
.guide-tile:hover{transform:translateY(-5px);box-shadow:0 22px 44px #073b8025}.guide-number{font:800 12px Manrope;color:#bc8f48;letter-spacing:2px}
.guide-tile h3{font:800 22px/1.24 Manrope,Arial,sans-serif;color:#073c82;letter-spacing:-.65px;margin:0}.guide-tile p{color:#60738a;font-size:13px;line-height:1.75;margin:0;flex:1}.guide-tile .guide-arrow{display:flex;justify-content:space-between;align-items:center;color:#064fa8;font-weight:800;font-size:13px;padding-top:13px;border-top:1px solid #e6edf6}
.guide-main{background:#f5f8fc}.guide-qa-wrap{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:42px;align-items:start}.guide-qa-list{min-width:0}.guide-question{background:#fff;border:1px solid #dce6f4;margin:0 0 13px;box-shadow:0 9px 24px #0b3d8010}.guide-question summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;padding:22px 25px;font-weight:800;color:#073a7f;font-size:17px;line-height:1.5}.guide-question summary::-webkit-details-marker{display:none}.guide-question summary:after{content:'+';font-size:24px;color:#b58843;flex:0 0 auto}.guide-question[open] summary:after{content:'−'}.guide-question p{margin:0;padding:0 25px 25px;color:#546a81;line-height:1.85;font-size:15px}.guide-sidebar{position:sticky;top:130px;background:#073e8b;color:#fff;padding:27px;box-shadow:0 18px 35px #073e8b24}.guide-sidebar h3{font:800 23px/1.25 Manrope;margin:8px 0 13px}.guide-sidebar p{font-size:13px;line-height:1.75;color:#e2edff}.guide-sidebar a{display:block;text-align:center;margin-top:12px;padding:15px 12px;background:#dfb76f;color:#102d5b;font-weight:800;font-size:13px}.guide-sidebar a.phone{background:transparent;border:1px solid #ffffff80;color:#fff}.guide-side-note{font-size:10px;letter-spacing:2px;color:#efca82;font-weight:800}
.guide-topic-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.guide-topic-links a{padding:12px 16px;border:1px solid #bfd4ec;background:#fff;color:#0b4d98;font-size:13px;font-weight:800}.guide-featured{padding:72px 0;background:#eaf2fd}.guide-featured .sectionhead{margin-bottom:27px}.guide-cta-band{padding:43px;background:linear-gradient(110deg,#073774,#0662be);color:#fff;display:flex;gap:35px;align-items:center;justify-content:space-between}.guide-cta-band h3{font:800 30px Manrope;margin:0 0 10px}.guide-cta-band p{color:#d9e8ff;margin:0;max-width:680px;line-height:1.7}.guide-cta-band .btn{flex:0 0 auto}
@media(max-width:1030px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-qa-wrap{grid-template-columns:minmax(0,1fr) 230px;gap:20px}.guide-cta-band{display:block}.guide-cta-band .btn{margin-top:18px}}
@media(max-width:740px){.guide-hero{padding:60px 0 70px}.guide-hero h1{letter-spacing:-1.7px}.guide-actions .btn{width:100%}.guide-grid{grid-template-columns:1fr}.guide-tile{min-height:210px}.guide-qa-wrap{grid-template-columns:1fr}.guide-sidebar{position:static}.guide-question summary{padding:18px;font-size:15px}.guide-question p{padding:0 18px 19px;font-size:14px}.guide-cta-band{padding:26px}.guide-cta-band h3{font-size:24px}}