:root {
  --allianz-blue: #003781;
  --allianz-blue-dark: #002456;
  --allianz-light: #eef3fb;
  --text: #1c2733;
  --hint: #64748b;
  --error: #b91c1c;
  --radius: 14px;
}

* { box-sizing: border-box; }

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

.wrap { max-width: 640px; margin: 0 auto; padding: 0 20px; }

.topbar {
  background: var(--allianz-blue);
  color: #fff;
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
}
.brand { text-decoration: none; color: inherit; display: flex; align-items: center; }
.brand-allianz { font-weight: 800; font-size: 20px; letter-spacing: -0.02em; }
.brand-sep { opacity: 0.5; margin: 0 8px; }
.brand-agentur { font-size: 14px; opacity: 0.9; }
.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;
}
.tel-link:hover { background: rgba(255,255,255,0.1); }

@media (max-width: 480px) {
  .contact-links { gap: 6px; }
  .tel-link { padding: 7px 10px; font-size: 13px; }
}

.funnel-wrap { padding: 32px 20px 60px; }

.hero { text-align: center; margin-bottom: 20px; }
.hero h1 { font-size: 26px; margin: 0 0 8px; color: var(--allianz-blue-dark); }
.hero p { color: var(--hint); margin: 0; }

.card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: 0 4px 24px rgba(0,55,129,0.08);
  padding: 28px 24px;
}

.progress {
  height: 6px;
  background: #e2e8f0;
  border-radius: 999px;
  margin-bottom: 24px;
  overflow: hidden;
}
.progress-bar {
  height: 100%;
  background: var(--allianz-blue);
  width: 33%;
  transition: width 0.3s ease;
}

.step { display: none; }
.step.active { display: block; animation: fadeIn 0.25s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.step h2 { margin: 0 0 18px; font-size: 20px; color: var(--allianz-blue-dark); }

.back-link {
  background: none;
  border: none;
  color: var(--hint);
  font-size: 14px;
  cursor: pointer;
  padding: 0 0 12px;
}
.back-link:hover { color: var(--allianz-blue); }

.product-grid, .option-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.product-card, .option-card {
  border: 2px solid #e2e8f0;
  background: #fff;
  border-radius: 12px;
  padding: 16px 12px;
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  transition: border-color 0.15s, transform 0.1s;
}
.option-card { display: block; text-align: left; font-weight: 500; }
.product-card:hover, .option-card:hover { border-color: var(--allianz-blue); }
.product-card:active, .option-card:active { transform: scale(0.98); }
.product-card.selected, .option-card.selected {
  border-color: var(--allianz-blue);
  background: var(--allianz-light);
}
.product-icon { font-size: 26px; }

#skipDetail { margin-top: 16px; }

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.field { margin-bottom: 14px; }
.field label { display: block; font-size: 13px; font-weight: 600; margin-bottom: 6px; color: var(--hint); }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid #cbd5e1;
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--allianz-blue);
  box-shadow: 0 0 0 3px rgba(0,55,129,0.12);
}

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  color: var(--hint);
  margin: 18px 0;
  cursor: pointer;
}
.consent input { margin-top: 3px; }

.hp-field { position: absolute; left: -9999px; top: -9999px; }

.btn {
  display: block;
  width: 100%;
  padding: 14px;
  border-radius: 10px;
  font-size: 16px;
  font-weight: 700;
  border: none;
  cursor: pointer;
  text-align: center;
}
.btn-primary { background: var(--allianz-blue); color: #fff; }
.btn-primary:hover { background: var(--allianz-blue-dark); }
.btn-secondary { background: none; color: var(--hint); font-weight: 500; }

.hint { color: var(--hint); }
.hint.small { font-size: 12px; text-align: center; margin-top: 12px; }

.alert {
  border-radius: 10px;
  padding: 14px 16px;
  margin-bottom: 16px;
  font-size: 14px;
}
.alert-error { background: #fef2f2; color: var(--error); border: 1px solid #fecaca; }
.alert ul { margin: 0; padding-left: 18px; }

.thankyou { text-align: center; }
.thankyou-icon { font-size: 44px; margin-bottom: 10px; }
.thankyou h1 { color: var(--allianz-blue-dark); font-size: 24px; margin: 0 0 12px; }

.site-footer {
  text-align: center;
  font-size: 13px;
  color: var(--hint);
  padding: 20px 20px 40px;
}
.site-footer a { color: var(--allianz-blue); }

@media (max-width: 480px) {
  .product-grid, .option-grid, .field-row { grid-template-columns: 1fr; }
  .hero h1 { font-size: 22px; }
}