:root {
  --allianz-blue: #003781;
  --allianz-blue-dark: #002456;
  --allianz-accent: #4fd1ff;
  --allianz-light: #eef3fb;
  --text: #1c2733;
  --hint: #64748b;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  line-height: 1.5;
  overflow-x: hidden;
}

.wrap { max-width: 1000px; margin: 0 auto; padding: 0 20px; }

.topbar { background: var(--allianz-blue); position: relative; z-index: 20; }
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
}
.logo { height: 42px; width: auto; display: block; }

.contact-links { display: flex; gap: 8px; }
.tel-link {
  color: #fff;
  text-decoration: none;
  font-size: 14px;
  border: 1px solid rgba(255,255,255,0.4);
  padding: 8px 14px;
  border-radius: 999px;
  white-space: nowrap;
  transition: background 0.15s, transform 0.15s;
}
.tel-link:hover { background: rgba(255,255,255,0.15); transform: translateY(-1px); }

/* Hero */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--allianz-blue) 0%, var(--allianz-blue-dark) 100%);
  color: #fff;
  text-align: center;
  padding: 88px 20px 96px;
  overflow: hidden;
}
.hero-fx { position: absolute; inset: 0; z-index: 0; }
.hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 44px;
}
.hero-text { max-width: 560px; }

.eyebrow {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 6px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 20px;
  letter-spacing: 0.02em;
}

.hero h1 { font-size: 40px; margin: 0 0 16px; line-height: 1.15; }
.hero h1 .accent { color: var(--allianz-accent); }
.hero p { font-size: 18px; opacity: 0.92; margin: 0 auto 32px; max-width: 560px; }

.trust-pills {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}
.pill {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
}

/* Hero-Illustration */
.hero-illustration {
  position: relative;
  width: 220px;
  height: 220px;
  flex-shrink: 0;
}
.hero-shield-ring {
  position: relative;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, rgba(255,255,255,0.2), rgba(255,255,255,0.03) 62%);
  border: 1px solid rgba(255,255,255,0.28);
  display: flex;
  align-items: center;
  justify-content: center;
  animation: floatSlow 5s ease-in-out infinite;
}
.hero-shield-ring::before,
.hero-shield-ring::after {
  content: "";
  position: absolute;
  inset: -14px;
  border-radius: 50%;
  border: 2px dashed rgba(79,209,255,0.55);
  animation: spin 10s linear infinite;
}
.hero-shield-ring::after {
  inset: 6px;
  border-color: rgba(255,255,255,0.3);
  animation-duration: 16s;
  animation-direction: reverse;
}
.hero-motifs { position: relative; width: 108px; height: 108px; }
.hero-motif {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transform: scale(0.8) rotate(-8deg);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.hero-motif.active { opacity: 1; transform: scale(1) rotate(0deg); }
.hero-motif svg {
  width: 100%;
  height: 100%;
  color: var(--allianz-accent);
  filter: drop-shadow(0 0 18px rgba(79,209,255,0.5));
}

@keyframes spin {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}
.floating-badge {
  position: absolute;
  width: 52px;
  height: 52px;
  background: #fff;
  color: var(--allianz-blue);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 24px rgba(0,0,0,0.25);
  animation: floatSlow 4.4s ease-in-out infinite;
}
.floating-badge svg { width: 26px; height: 26px; }
.badge-a { top: -6px; right: -6px; animation-delay: 0.3s; }
.badge-b { bottom: -2px; left: -12px; animation-delay: 0.9s; }

@keyframes floatSlow {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* Hero Entrance ("Flash") */
.hero-text .eyebrow,
.hero-text h1,
.hero-text p,
.hero-text .btn-glow,
.hero-text .trust-pills {
  animation: heroIn 0.7s ease both;
}
.hero-text .eyebrow { animation-delay: 0.05s; }
.hero-text h1 { animation-delay: 0.15s; }
.hero-text p { animation-delay: 0.28s; }
.hero-text .btn-glow { animation-delay: 0.4s; }
.hero-text .trust-pills { animation-delay: 0.52s; }
.hero-illustration { animation: heroInScale 0.8s ease 0.3s both; }

@keyframes heroIn {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: none; }
}
@keyframes heroInScale {
  from { opacity: 0; transform: scale(0.82); }
  to { opacity: 1; transform: none; }
}

@media (min-width: 900px) {
  .hero-inner { flex-direction: row; justify-content: space-between; text-align: left; }
  .hero-text { text-align: left; }
  .hero p { margin-left: 0; }
  .trust-pills { justify-content: flex-start; }
}

.btn {
  display: inline-block;
  padding: 16px 32px;
  border-radius: 10px;
  font-size: 17px;
  font-weight: 700;
  text-decoration: none;
  text-align: center;
  transition: transform 0.15s, box-shadow 0.2s;
}
.btn-primary { background: #fff; color: var(--allianz-blue); }
.btn-primary:hover { background: var(--allianz-light); }

.btn-glow {
  background: #fff;
  color: var(--allianz-blue-dark);
  box-shadow: 0 0 0 0 rgba(79,209,255,0.55);
  animation: pulseGlow 2.4s ease-in-out infinite;
}
.btn-glow:hover { transform: translateY(-2px) scale(1.03); }

@keyframes pulseGlow {
  0%   { box-shadow: 0 0 0 0 rgba(79,209,255,0.45); }
  70%  { box-shadow: 0 0 0 14px rgba(79,209,255,0); }
  100% { box-shadow: 0 0 0 0 rgba(79,209,255,0); }
}

/* Scroll reveal */
.reveal, .reveal-item {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.in-view, .reveal-item.in-view { opacity: 1; transform: none; }
.leistungen-grid .reveal-item:nth-child(1) { transition-delay: 0.02s; }
.leistungen-grid .reveal-item:nth-child(2) { transition-delay: 0.08s; }
.leistungen-grid .reveal-item:nth-child(3) { transition-delay: 0.14s; }
.leistungen-grid .reveal-item:nth-child(4) { transition-delay: 0.2s; }
.leistungen-grid .reveal-item:nth-child(5) { transition-delay: 0.26s; }
.leistungen-grid .reveal-item:nth-child(6) { transition-delay: 0.32s; }
.vorteile-grid .reveal-item:nth-child(1) { transition-delay: 0.02s; }
.vorteile-grid .reveal-item:nth-child(2) { transition-delay: 0.12s; }
.vorteile-grid .reveal-item:nth-child(3) { transition-delay: 0.22s; }

.section { padding: 64px 20px; }
.section h2 {
  text-align: center;
  font-size: 28px;
  color: var(--allianz-blue-dark);
  margin: 0 0 36px;
}
.section-alt { background: var(--allianz-light); }

.leistungen-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.leistung-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  border: 2px solid #e2e8f0;
  border-radius: 16px;
  padding: 30px 16px;
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
  text-align: center;
  transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s;
}
.leistung-card:hover {
  border-color: var(--allianz-blue);
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(0,55,129,0.14);
}
.leistung-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--allianz-light);
  color: var(--allianz-blue);
  transition: transform 0.25s;
}
.leistung-icon svg { width: 27px; height: 27px; }
.leistung-card:hover .leistung-icon { transform: scale(1.12) rotate(-4deg); }

/* Spartipps */
.tipps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.tipp-card {
  background: var(--allianz-light);
  border-radius: 14px;
  padding: 24px 18px;
  text-align: center;
  transition: transform 0.2s, box-shadow 0.2s;
}
.tipp-card:hover { transform: translateY(-3px); box-shadow: 0 10px 22px rgba(0,55,129,0.1); }
.tipp-icon { display: flex; justify-content: center; color: var(--allianz-blue); margin-bottom: 10px; }
.tipp-card h3 { margin: 0 0 6px; font-size: 15px; color: var(--allianz-blue-dark); }
.tipp-card p { margin: 0; font-size: 13px; color: var(--hint); }
.tipps-hint { text-align: center; margin: 26px 0 0; color: var(--hint); font-size: 14px; }
.tipps-hint a { color: var(--allianz-blue); font-weight: 700; text-decoration: none; }

/* Steps */
.steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 18px;
  flex-wrap: wrap;
}
.step-card {
  flex: 1 1 200px;
  max-width: 240px;
  text-align: center;
  background: var(--allianz-light);
  border-radius: 16px;
  padding: 28px 18px;
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--allianz-blue);
  color: #fff;
  font-weight: 800;
  margin-bottom: 12px;
}
.step-card h3 { margin: 0 0 6px; font-size: 16px; color: var(--allianz-blue-dark); }
.step-card p { margin: 0; font-size: 13px; color: var(--hint); }
.step-arrow { font-size: 22px; color: var(--allianz-blue); opacity: 0.5; }
@media (max-width: 720px) { .step-arrow { transform: rotate(90deg); } }

.vorteile-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.vorteil { text-align: center; transition: transform 0.2s; }
.vorteil:hover { transform: translateY(-3px); }
.vorteil-icon {
  width: 60px;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
  border-radius: 50%;
  background: #fff;
  color: var(--allianz-blue);
  box-shadow: 0 6px 16px rgba(0,55,129,0.1);
}
.vorteil-icon svg { width: 28px; height: 28px; }
.vorteil h3 { margin: 0 0 8px; color: var(--allianz-blue-dark); font-size: 17px; }
.vorteil p { color: var(--hint); font-size: 14px; margin: 0; }

.kontakt-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 32px;
  align-items: start;
}
.kontakt a { color: var(--allianz-blue); }
.map-link { display: inline-block; margin-top: 10px; font-weight: 600; text-decoration: none; }
.kontakt-cta {
  background: var(--allianz-light);
  border-radius: 16px;
  padding: 32px 28px;
  text-align: center;
}
.kontakt-cta p { margin: 0 0 18px; font-weight: 600; color: var(--allianz-blue-dark); }

.site-footer {
  background: var(--allianz-blue-dark);
  color: #cbd5e1;
  padding: 24px 20px;
  text-align: center;
  font-size: 13px;
}
.site-footer a { color: #fff; }
.site-footer p { margin: 4px 0; }
.social-links {
  display: flex;
  justify-content: center;
  gap: 14px;
  margin-bottom: 16px;
}
.social-links a {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  transition: background 0.15s, transform 0.15s;
}
.social-links a:hover { background: rgba(255,255,255,0.2); transform: translateY(-2px); }
.social-links svg { width: 18px; height: 18px; }

/* Floating WhatsApp button */
.wa-float {
  position: fixed;
  right: 20px;
  bottom: 20px;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #25d366;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  text-decoration: none;
  box-shadow: 0 6px 20px rgba(0,0,0,0.25);
  z-index: 50;
}
.wa-ping {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: #25d366;
  animation: waPing 2.2s ease-out infinite;
  z-index: -1;
}
@keyframes waPing {
  0%   { transform: scale(1); opacity: 0.55; }
  100% { transform: scale(1.9); opacity: 0; }
}

/* Ratgeber-Unterseiten (Produkt-Content) */
.breadcrumb { font-size: 13px; color: var(--hint); margin: 18px 0 0; }
.breadcrumb a { color: var(--hint); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.ratgeber-hero { padding: 28px 20px 8px; }
.ratgeber-hero h1 { font-size: 32px; margin: 10px 0 14px; color: var(--allianz-blue-dark); line-height: 1.2; }
.ratgeber-hero .lead { font-size: 17px; color: var(--hint); max-width: 680px; margin: 0 0 8px; }
.ratgeber { max-width: 720px; }
.ratgeber h2 { font-size: 22px; color: var(--allianz-blue-dark); margin: 0 0 14px; }
.ratgeber p { font-size: 15px; line-height: 1.7; margin: 0 0 16px; }
.ratgeber ul { margin: 0 0 16px; padding-left: 20px; }
.ratgeber li { font-size: 15px; line-height: 1.7; margin-bottom: 6px; }
.ratgeber-cta {
  background: var(--allianz-light);
  border-radius: 16px;
  padding: 28px;
  text-align: center;
  margin: 8px 0 40px;
}
.ratgeber-cta p { font-weight: 600; color: var(--allianz-blue-dark); margin: 0 0 16px; }
.faq-item { border-bottom: 1px solid #e2e8f0; padding: 18px 0; }
.faq-item:last-child { border-bottom: none; }
.faq-item h3 { font-size: 16px; color: var(--allianz-blue-dark); margin: 0 0 8px; }
.faq-item p { font-size: 14px; color: var(--text); margin: 0; line-height: 1.6; }
.related-links { display: flex; flex-wrap: wrap; gap: 10px; margin: 0 0 40px; }
.related-links a {
  font-size: 13px;
  color: var(--allianz-blue);
  text-decoration: none;
  border: 1px solid #cbd5e1;
  padding: 8px 14px;
  border-radius: 999px;
}
.related-links a:hover { background: var(--allianz-light); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn-glow { animation: none; }
  .wa-ping { animation: none; }
  .reveal, .reveal-item { opacity: 1; transform: none; transition: none; }
  .hero-text .eyebrow, .hero-text h1, .hero-text p, .hero-text .btn-glow, .hero-text .trust-pills,
  .hero-illustration, .hero-shield-ring, .floating-badge {
    animation: none; opacity: 1; transform: none;
  }
  .hero-shield-ring::before, .hero-shield-ring::after { animation: none; }
}

@media (max-width: 720px) {
  .leistungen-grid { grid-template-columns: repeat(2, 1fr); }
  .vorteile-grid { grid-template-columns: 1fr; }
  .tipps-grid { grid-template-columns: repeat(2, 1fr); }
  .kontakt-grid { grid-template-columns: 1fr; }
  .steps { flex-direction: column; }
  .hero h1 { font-size: 28px; }
  .hero { padding: 64px 20px 76px; }
  .hero-illustration, .hero-shield-ring { width: 180px; height: 180px; }
  .hero-motifs { width: 88px; height: 88px; }
  .logo { height: 34px; }
  .wa-float { width: 50px; height: 50px; font-size: 22px; right: 14px; bottom: 14px; }
}