/* ==========================================================================
   Konto im Ausland - gemeinsames Stylesheet fuer alle Seiten.
   Farben und Abstaende ausschliesslich ueber die Tokens in :root aendern.
   ========================================================================== */

:root{
  --bg:#ffffff;
  --bg-soft:#f7f7f5;
  --bg-tint:#f2f4f7;
  --ink:#10161f;
  --navy:#00274d;
  --navy-2:#003a70;
  --mute:#5b6470;
  --line:#e4e6e9;
  --line-dark:rgba(255,255,255,.14);
  --gold:#a8853b;
  --gold-soft:#c7a968;
  --error:#a3282d;
  --max:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{
  background:var(--bg);color:var(--ink);
  font-family:"Inter","Helvetica Neue",system-ui,sans-serif;
  font-size:16.5px;line-height:1.7;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,.serif{font-family:"Newsreader",Georgia,serif;font-weight:500;line-height:1.15;letter-spacing:-.005em;color:var(--navy)}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px}
.eyebrow{
  font-size:11.5px;letter-spacing:.24em;text-transform:uppercase;
  color:var(--gold);font-weight:600;
}

/* Sichtbarer Fokus fuer Tastaturbedienung */
a:focus-visible,button:focus-visible,summary:focus-visible,
input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:2px solid var(--gold);outline-offset:3px;
}
.skip-link{
  position:absolute;left:-9999px;top:0;z-index:100;
  background:var(--navy);color:#fff;padding:14px 22px;font-size:14px;font-weight:600;
}
.skip-link:focus{left:0}
.visually-hidden{
  position:absolute;width:1px;height:1px;overflow:hidden;
  clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;
}

/* ---------- NAV ---------- */
nav{
  position:fixed;top:0;left:0;right:0;z-index:50;
  background:rgba(255,255,255,.92);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
}
.nav-in{max-width:var(--max);margin:0 auto;padding:20px 32px;display:flex;align-items:center;justify-content:space-between}
.logo{display:flex;align-items:center;gap:13px}
.logo-mark{
  width:36px;height:36px;background:var(--navy);color:#fff;
  display:grid;place-items:center;font-size:12px;font-weight:600;letter-spacing:.1em;
}
.logo-text{font-family:"Newsreader",serif;font-size:20px;color:var(--navy);letter-spacing:.01em}
.nav-links{display:flex;gap:36px;font-size:14px;color:var(--mute);font-weight:500}
.nav-links a{padding-bottom:3px;border-bottom:1px solid transparent;transition:all .2s}
.nav-links a:hover{color:var(--navy);border-color:var(--gold)}
.nav-cta{
  font-size:13.5px;font-weight:600;letter-spacing:.03em;
  background:var(--navy);color:#fff;padding:12px 26px;transition:background .2s;
}
.nav-cta:hover{background:var(--navy-2)}
@media(max-width:880px){.nav-links{display:none}}

/* ---------- HERO ---------- */
header{padding:180px 0 0;background:var(--bg)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:72px;align-items:center;padding-bottom:110px}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:64px}}
h1{font-size:clamp(42px,5.2vw,66px);margin:26px 0 26px;font-weight:400}
h1 em{font-style:italic;font-weight:500}
.hero-sub{font-size:19px;color:var(--mute);max-width:540px;margin-bottom:42px;line-height:1.75}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.btn{display:inline-block;padding:17px 36px;font-weight:600;font-size:15px;letter-spacing:.02em;transition:all .2s}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn-line{color:var(--navy);border-bottom:1px solid var(--gold);padding:6px 2px;font-size:15px}
.btn-line:hover{color:var(--gold)}
.hero-facts{
  margin-top:54px;padding-top:30px;border-top:1px solid var(--line);
  display:flex;gap:44px;flex-wrap:wrap;
}
.hf b{display:block;font-family:"Newsreader",serif;font-size:22px;color:var(--navy);font-weight:500}
.hf span{font-size:13px;color:var(--mute);letter-spacing:.04em}

/* Kartenmotiv - reines CSS, kein Bild */
.card-stage{perspective:1500px;display:grid;place-items:center;padding:20px 0}
.cc{
  width:min(430px,88vw);aspect-ratio:1.586;border-radius:16px;position:relative;
  background:linear-gradient(140deg,#15181d 0%,#23272e 40%,#101318 70%,#1c2026 100%);
  box-shadow:0 50px 100px rgba(16,22,31,.28),0 12px 30px rgba(16,22,31,.18),inset 0 1px 0 rgba(255,255,255,.09);
  transform:rotateX(9deg) rotateY(-13deg) rotate(2.5deg);
  transition:transform .5s ease;
}
.card-stage:hover .cc{transform:rotateX(3deg) rotateY(-5deg) rotate(1deg)}
.cc::before{
  content:"";position:absolute;inset:0;border-radius:16px;
  background:linear-gradient(105deg,transparent 32%,rgba(255,255,255,.06) 46%,transparent 58%);
}
.cc-chip{
  position:absolute;top:27%;left:8.5%;width:52px;height:40px;border-radius:7px;
  background:linear-gradient(135deg,#d9c084,#a4874e);box-shadow:inset 0 0 0 1px rgba(0,0,0,.25);
}
.cc-chip::after{content:"";position:absolute;inset:8px 6px;border:1px solid rgba(0,0,0,.28);border-radius:3px}
.cc-brand{position:absolute;top:9%;left:8.5%;font-size:10.5px;letter-spacing:.32em;color:var(--gold-soft);font-weight:600}
.cc-globe{
  position:absolute;top:9%;right:8%;width:56px;height:56px;border-radius:50%;
  border:1px solid rgba(199,169,104,.55);
  background:linear-gradient(transparent 48%,rgba(199,169,104,.4) 49%,rgba(199,169,104,.4) 51%,transparent 52%);
}
.cc-globe::before,.cc-globe::after{
  content:"";position:absolute;top:0;bottom:0;left:50%;width:60%;
  transform:translateX(-50%);border-radius:50%;border:1px solid rgba(199,169,104,.4);
}
.cc-globe::after{width:26%}
.cc-num{position:absolute;bottom:27%;left:8.5%;font-family:"Courier New",monospace;font-size:19px;letter-spacing:.14em;color:#c8cdd4}
.cc-name{position:absolute;bottom:12%;left:8.5%;font-size:10.5px;letter-spacing:.26em;color:#8f97a2;text-transform:uppercase}
.cc-tag{position:absolute;bottom:-48px;left:50%;transform:translateX(-50%);font-size:11.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--mute);white-space:nowrap}

/* ---------- SEKTIONEN ---------- */
section{padding:110px 0}
.sec-head{max-width:660px;margin-bottom:70px}
h2{font-size:clamp(32px,3.6vw,46px);margin:20px 0 18px;font-weight:400}
.sec-head p{color:var(--mute);font-size:17px}

/* Maerkte */
.soft{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.markets{display:grid;grid-template-columns:1fr 1fr;gap:32px}
@media(max-width:880px){.markets{grid-template-columns:1fr}}
.market{background:#fff;border:1px solid var(--line);padding:54px 48px}
.market .m-label{font-size:11.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--mute);margin-bottom:14px}
.market h3{font-size:31px;margin-bottom:8px;font-weight:500}
.market .sub{color:var(--mute);font-size:15px;margin-bottom:34px}
.market ul{list-style:none}
.market li{padding:15px 0;border-top:1px solid var(--line);display:flex;gap:16px;align-items:baseline;font-size:15.5px}
.market li::before{content:"";width:6px;height:6px;background:var(--gold);flex-shrink:0;transform:translateY(-2px) rotate(45deg)}
.market .m-img{margin:-54px -48px 34px;height:210px;overflow:hidden;position:relative}
.market .m-img img{width:100%;height:100%;object-fit:cover;filter:saturate(.82) contrast(1.02)}
.market .m-img::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,39,77,.18),transparent 55%)}
.m-flag{position:absolute;top:16px;left:20px;z-index:2;font-size:12px;letter-spacing:.18em;color:#fff;background:rgba(0,39,77,.72);padding:7px 14px;backdrop-filter:blur(6px)}

/* Band als dunkler Kontrast */
.band{background:var(--navy);color:#fff;text-align:center;padding:110px 0}
.band .eyebrow{color:var(--gold-soft)}
.band h2{color:#fff;max-width:780px;margin:20px auto 22px}
.band h2 em{color:var(--gold-soft);font-style:italic}
.band p{color:rgba(255,255,255,.72);max-width:640px;margin:0 auto 40px;font-size:17px}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold-soft)}

/* Banken-Strip */
.banks{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;padding:38px 0}
.banks-in{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.banks-label{font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--mute);font-weight:600}
.banks-list{display:flex;gap:34px;flex-wrap:wrap;font-family:"Newsreader",serif;font-size:19px;color:var(--navy)}
.banks-list span{opacity:.75}
.banks-note{width:100%;font-size:11px;color:#8a919c;margin-top:6px}

/* Vorteile */
.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
@media(max-width:880px){.benefits{grid-template-columns:1fr}}
.benefit{background:#fff;border:1px solid var(--line)}
.benefit .b-img{height:220px;overflow:hidden;position:relative}
.benefit .b-img img{width:100%;height:100%;object-fit:cover;filter:saturate(.85);transition:transform .6s ease}
.benefit:hover .b-img img{transform:scale(1.04)}
.benefit .b-body{padding:32px 34px 38px}
.benefit h3{font-size:23px;font-weight:500;margin-bottom:12px}
.benefit p{font-size:14.5px;color:var(--mute)}

/* Staedte-Mosaik */
.cities{display:grid;grid-template-columns:repeat(4,1fr);gap:2px}
@media(max-width:880px){.cities{grid-template-columns:repeat(2,1fr)}}
.city{position:relative;height:340px;overflow:hidden}
@media(max-width:880px){.city{height:240px}}
.city img{width:100%;height:100%;object-fit:cover;filter:saturate(.8) contrast(1.03);transition:transform .7s ease}
.city:hover img{transform:scale(1.05)}
.city::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 45%,rgba(6,15,26,.62))}
.city figcaption{
  position:absolute;bottom:22px;left:24px;right:24px;z-index:2;color:#fff;
  font-family:"Newsreader",serif;font-size:21px;
}
.city figcaption small{display:block;font-family:"Inter",sans-serif;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.75);margin-top:4px}

/* Prozess */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-left:1px solid var(--line)}
@media(max-width:960px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{border-right:1px solid var(--line);padding:8px 36px 8px 32px}
.step .n{font-family:"Newsreader",serif;font-size:17px;color:var(--gold);letter-spacing:.1em;margin-bottom:20px}
.step h3{font-size:20px;font-weight:500;margin-bottom:12px}
.step p{font-size:14.5px;color:var(--mute)}

/* Grundsaetze */
.principles{display:grid;grid-template-columns:repeat(3,1fr);gap:56px}
@media(max-width:880px){.principles{grid-template-columns:1fr;gap:44px}}
.pr h3{font-size:22px;font-weight:500;margin-bottom:14px}
.pr h3::before{content:"";display:block;width:38px;height:2px;background:var(--gold);margin-bottom:20px}
.pr p{font-size:15px;color:var(--mute)}

/* FAQ */
details{border-top:1px solid var(--line)}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{
  cursor:pointer;list-style:none;padding:28px 0;
  font-family:"Newsreader",serif;font-size:20px;color:var(--navy);
  display:flex;justify-content:space-between;gap:20px;
}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold);font-size:26px;font-weight:300;flex-shrink:0;font-family:"Inter",sans-serif}
details[open] summary::after{content:"\2013"}
details p{padding:0 0 28px;color:var(--mute);max-width:780px;font-size:15.5px}

/* ---------- KONTAKT ---------- */
.contact{background:var(--bg-soft);border-top:1px solid var(--line)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}
@media(max-width:880px){.contact-grid{grid-template-columns:1fr;gap:56px}}
.field{margin-bottom:24px}
label{display:block;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--mute);margin-bottom:10px;font-weight:600}
input,select,textarea{
  width:100%;background:#fff;border:1px solid var(--line);
  color:var(--ink);padding:15px 16px;font-size:15px;font-family:inherit;
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold)}
textarea{min-height:135px;resize:vertical}
.contact-side p{color:var(--mute);margin-bottom:34px;font-size:16px}
.contact-line{padding:20px 0;border-top:1px solid var(--line);display:flex;justify-content:space-between;font-size:15px}
.contact-line b{font-weight:600;color:var(--navy)}
.contact-line span{color:var(--mute)}

/* Einwilligung */
.consent{display:flex;gap:13px;align-items:flex-start;margin-bottom:26px}
.consent input{width:18px;height:18px;flex-shrink:0;margin-top:3px;accent-color:var(--navy)}
.consent label{
  text-transform:none;letter-spacing:normal;font-size:13.5px;
  font-weight:400;color:var(--mute);margin:0;line-height:1.6;
}
.consent label a{border-bottom:1px solid var(--gold);color:var(--navy)}

/* Honeypot - fuer Menschen unsichtbar, fuer Bots ausfuellbar */
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Fehlerausgabe des Formulars */
.form-error{
  background:#fdf3f3;border-left:3px solid var(--error);
  padding:18px 22px;margin-bottom:28px;font-size:14.5px;color:var(--error);
}
.form-error ul{list-style:none;margin-top:8px}
.form-error li{padding:3px 0}
.field-invalid input,.field-invalid select,.field-invalid textarea{border-color:var(--error)}

/* ---------- RECHTSSEITEN ---------- */
.legal{padding:190px 0 90px;max-width:820px}
.legal h1{font-size:clamp(34px,4vw,48px);margin:18px 0 40px}
.legal h2{font-size:24px;margin:52px 0 16px}
.legal h3{font-size:18px;margin:32px 0 10px;font-weight:600;font-family:"Inter",sans-serif;color:var(--ink)}
.legal p{margin-bottom:16px;color:var(--mute);font-size:15.5px}
.legal ul{margin:0 0 20px 22px;color:var(--mute);font-size:15.5px}
.legal li{margin-bottom:8px}
.legal a{border-bottom:1px solid var(--gold);color:var(--navy)}
.legal address{font-style:normal;color:var(--mute);margin-bottom:20px}
.legal .todo{
  background:#fff8e8;border-left:3px solid var(--gold);
  padding:14px 18px;margin-bottom:18px;font-size:14px;color:#7a5f22;
}

/* Danke-Seite */
.thanks{padding:200px 0 130px;text-align:center;max-width:640px;margin:0 auto}
.thanks h1{font-size:clamp(34px,4.4vw,52px);margin:22px 0 20px}
.thanks p{color:var(--mute);font-size:17px;margin-bottom:38px}

/* ---------- FOOTER ---------- */
footer{padding:60px 0 48px;font-size:13.5px;color:var(--mute);background:#fff;border-top:1px solid var(--line)}
.foot-grid{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;margin-bottom:40px}
.foot-domains{display:flex;gap:24px;flex-wrap:wrap}
.foot-domains a:hover{color:var(--gold)}
.foot-legal{display:flex;gap:28px}
.foot-legal a:hover{color:var(--navy)}
.disclaimer{border-top:1px solid var(--line);padding-top:28px;font-size:12.5px;line-height:1.75;color:#8a919c;max-width:920px}