/* Valtaris Finance — Farben und Typografie aus dem Logo abgeleitet */
@font-face{font-family:"Montserrat";src:url(montserrat.woff2) format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Inter";src:url(inter.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{
  --navy:#0f2645;        /* Wortmarke VALTARIS */
  --navy-tief:#0a1a31;
  --navy-2:#173a66;
  --stahl:#2c5d8f;       /* Glanz der mittleren Säule */
  --stahl-hell:#5b86b5;
  --silber:#a9b3c1;      /* seitliche Säulen */
  --silber-hell:#dfe4eb;
  --grau:#56667b;        /* FINANCE */
  --text:#13233b;
  --text-2:#55637a;
  --linie:#e4e8ee;
  --flaeche:#f5f7fa;
  --weiss:#fff;
  --r:16px;
  --schatten:0 1px 2px rgba(15,38,69,.04),0 12px 32px rgba(15,38,69,.07);
  --kopf:Montserrat,system-ui,sans-serif;
  --fliess:Inter,system-ui,-apple-system,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 17px/1.65 var(--fliess);color:var(--text);background:var(--weiss);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
:focus-visible{outline:2px solid var(--stahl);outline-offset:3px;border-radius:4px}
.w{max-width:1200px;margin:0 auto;padding:0 28px}
@media(max-width:600px){.w{padding:0 20px}}
h1,h2,h3{font-family:var(--kopf);color:var(--navy);letter-spacing:-.015em;margin:0}
h3{line-height:1.3}
.augenbraue{display:inline-flex;align-items:center;gap:12px;font:600 12.5px/1 var(--kopf);letter-spacing:.24em;text-transform:uppercase;color:var(--stahl)}
.augenbraue::before{content:"";width:26px;height:1.5px;background:currentColor;opacity:.7}

.entwurf{background:#7a1f1f;color:#fff;font:500 13px/1.4 var(--fliess);text-align:center;padding:8px 16px}

/* Kopf */
.kopf{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.86);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
.kopf.gescrollt{border-color:var(--linie);box-shadow:0 6px 24px rgba(15,38,69,.05)}
.kopf .w{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo img{height:44px;width:auto}
.nav{display:flex;align-items:center;gap:34px}
.nav a{text-decoration:none;font:500 15px/1 var(--fliess);color:var(--text-2);transition:color .2s}
.nav a:hover{color:var(--navy)}
@media(max-width:920px){.nav a:not(.knopf){display:none}.logo img{height:34px}}

.knopf{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 15px/1 var(--fliess);text-decoration:none;border:0;cursor:pointer;border-radius:10px;padding:15px 24px;transition:background .2s,color .2s,transform .2s,box-shadow .2s;white-space:nowrap}
.knopf.voll{background:var(--navy);color:#fff!important;box-shadow:0 8px 20px rgba(15,38,69,.18)}
.knopf.voll:hover{background:var(--navy-2);transform:translateY(-1px)}
.knopf.rand{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--silber)}
.knopf.rand:hover{box-shadow:inset 0 0 0 1.5px var(--navy)}
.knopf.klein{padding:12px 20px;font-size:14.5px}
.knopf svg{width:16px;height:16px;transition:transform .2s}
.knopf:hover svg{transform:translateX(3px)}

/* Hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff 0%,var(--flaeche) 100%)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(var(--linie) 1px,transparent 1px),linear-gradient(90deg,var(--linie) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 70% 80% at 75% 40%,#000 0%,transparent 70%);-webkit-mask-image:radial-gradient(ellipse 70% 80% at 75% 40%,#000 0%,transparent 70%);opacity:.55}
.hero .w{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:96px;padding-bottom:112px}
.hero h1{font-size:clamp(40px,5.4vw,68px);line-height:1.04;font-weight:800;margin:22px 0 24px}
.hero h1 span{color:var(--stahl)}
.hero .lead{font-size:clamp(17px,1.5vw,19.5px);color:var(--text-2);max-width:560px;margin:0 0 36px}
.aktionen{display:flex;gap:14px;flex-wrap:wrap}
.hero-marke{position:relative;justify-self:center;width:min(440px,100%);aspect-ratio:1}
.hero-marke .ring{position:absolute;inset:0;border-radius:50%}
.hero-marke .ring::after{content:"";position:absolute;inset:-22px;border-radius:50%;border:1px solid var(--linie)}
.hero-marke img{position:absolute;inset:0;width:100%;height:100%;border-radius:50%;filter:drop-shadow(0 30px 50px rgba(15,38,69,.16))}
.hero-marke .unter{position:absolute;left:0;right:0;bottom:17%;text-align:center;font:600 11.5px/1 var(--kopf);letter-spacing:.42em;color:var(--grau)}
.vertrauen{display:flex;gap:26px;flex-wrap:wrap;margin-top:40px;padding-top:28px;border-top:1px solid var(--linie);max-width:560px}
.vertrauen div{display:flex;align-items:center;gap:10px;font-size:14.5px;color:var(--text-2)}
.vertrauen svg{width:18px;height:18px;flex:none;stroke:var(--stahl);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:960px){.hero .w{grid-template-columns:1fr;padding-top:56px;padding-bottom:72px;gap:40px}.hero-marke{width:min(240px,64%)}.hero-marke .ring::after{inset:-14px}}
/* 3D-Skyline (01.11.2026) */
.hero-stadt{position:relative;justify-self:center;width:min(480px,100%);aspect-ratio:1;border-radius:50%;overflow:hidden;isolation:isolate;
  background:radial-gradient(120% 95% at 28% 12%,#2f5687 0%,#17345d 36%,#0c1c35 72%,#081427 100%);
  box-shadow:0 50px 90px -30px rgba(10,26,49,.55),0 0 0 1px rgba(15,38,69,.08);outline:1px solid var(--linie);outline-offset:22px}
.hero-stadt .kamera{position:absolute;inset:0;perspective:1000px;perspective-origin:50% 22%}
.hero-stadt .szene{position:absolute;left:50%;top:104%;width:0;height:0;transform-style:preserve-3d;
  transform:scale(var(--s,1)) rotateX(var(--rx,-13deg)) rotateY(var(--ry,-26deg))}
.hero-stadt .turm{position:absolute;transform-style:preserve-3d}
.hero-stadt .f{position:absolute;background-size:100% 100%;backface-visibility:hidden}
.hero-stadt .f.dach{background:linear-gradient(135deg,#3a5f8f,#1a3357)}
.hero-stadt .boden{position:absolute;width:900px;height:900px;left:-450px;top:-450px;transform:rotateX(90deg);
  background:radial-gradient(closest-side,rgba(255,196,120,.22),rgba(255,196,120,.06) 45%,transparent 70%)}
.hero-stadt .dunst{position:absolute;inset:0;pointer-events:none;background:linear-gradient(180deg,rgba(8,20,39,0) 55%,rgba(8,20,39,.55) 100%),
  radial-gradient(60% 40% at 50% 100%,rgba(255,190,110,.18),transparent 70%)}
.hero-stadt .logo-stapel{position:absolute;left:0;right:0;top:13%;display:grid;justify-items:center;gap:6px;z-index:2;pointer-events:none;
  filter:drop-shadow(0 6px 18px rgba(0,0,0,.45))}
.hero-stadt .lm{width:30%;height:auto}.hero-stadt .lw{width:50%;height:auto}
@media(max-width:960px){.hero-stadt{width:min(320px,82%);outline-offset:14px}}
@media (prefers-reduced-motion:reduce){.hero-stadt .szene{transform:scale(var(--s,1)) rotateX(-13deg) rotateY(-26deg)}}
.leistung{transform-style:preserve-3d;will-change:transform}

/* Kennzahlen */
.zahlen{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.zahlen::before{content:"";position:absolute;right:-180px;top:-220px;width:620px;height:620px;border-radius:50%;border:1px solid rgba(169,179,193,.16)}
.zahlen::after{content:"";position:absolute;right:-80px;top:-120px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(169,179,193,.12)}
.zahlen .w{position:relative;display:grid;grid-template-columns:repeat(3,1fr);padding-top:72px;padding-bottom:64px}
.zahl{padding:0 36px;border-left:1px solid rgba(255,255,255,.12)}
.zahl:first-child{padding-left:0;border-left:0}
.zahl b{display:block;font:800 clamp(44px,5vw,64px)/1 var(--kopf);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.zahl b small{font-size:.42em;font-weight:700;color:var(--silber);margin-left:6px;letter-spacing:0}
.zahl>span{display:block;margin-top:14px;color:#c3cddb;font-size:15.5px;max-width:260px}
.zahlen .fuss{grid-column:1/-1;margin-top:40px;font-size:12.5px;color:#8fa0b8}
@media(max-width:820px){.zahlen .w{grid-template-columns:1fr;gap:34px;padding-top:56px}.zahl{padding:0;border-left:0;border-top:1px solid rgba(255,255,255,.12);padding-top:28px}.zahl:first-child{border-top:0;padding-top:0}}

/* Abschnitte */
.abschnitt{padding:120px 0}
.abschnitt.grau{background:var(--flaeche)}
.kopfzeile{max-width:760px;margin-bottom:60px}
.kopfzeile h2,.zweier h2{font-size:clamp(30px,3.4vw,44px);line-height:1.12;font-weight:800;margin:18px 0 18px}
.kopfzeile p{font-size:18.5px;color:var(--text-2);margin:0}
@media(max-width:700px){.abschnitt{padding:84px 0}.kopfzeile{margin-bottom:40px}}

/* Leistungen */
.leistungen{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.leistung{background:#fff;border:1px solid var(--linie);border-radius:var(--r);padding:32px 28px;transition:transform .25s,box-shadow .25s,border-color .25s}
.leistung:hover{transform:translateY(-4px);box-shadow:var(--schatten);border-color:transparent}
.symbol{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(145deg,var(--navy-2),var(--navy));margin-bottom:24px}
.symbol svg{width:23px;height:23px;stroke:#fff;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.leistung h3{font-size:18.5px;font-weight:700;line-height:1.3;margin-bottom:10px}
.leistung p{margin:0;color:var(--text-2);font-size:15.5px}
@media(max-width:1060px){.leistungen{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.leistungen{grid-template-columns:1fr}}

/* Vorteile */
.zweier{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:start}
.zweier .text p{font-size:18px;color:var(--text-2)}
.klebt{position:sticky;top:120px}
.vorteile{list-style:none;margin:0;padding:0;counter-reset:v}
.vorteile li{display:grid;grid-template-columns:64px 1fr;gap:8px 20px;padding:34px 0;border-top:1px solid var(--linie)}
.vorteile li:last-child{border-bottom:1px solid var(--linie)}
.vorteile li::before{counter-increment:v;content:"0" counter(v);font:700 15px/1.9 var(--kopf);color:var(--stahl);letter-spacing:.1em;grid-row:span 2}
.vorteile h3{font-size:22px;font-weight:700}
.vorteile p{margin:0;color:var(--text-2)}
@media(max-width:960px){.zweier{grid-template-columns:1fr;gap:28px}.klebt{position:static}.vorteile li{grid-template-columns:48px 1fr}}

/* Ablauf */
.schritte{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;position:relative;list-style:none;margin:0;padding:0}
.schritte::before{content:"";position:absolute;left:24px;right:24px;top:24px;height:1.5px;background:linear-gradient(90deg,var(--stahl),var(--silber-hell))}
.schritt{position:relative}
.schritt .nr{position:relative;width:49px;height:49px;border-radius:50%;display:grid;place-items:center;background:#fff;border:1.5px solid var(--stahl);font:700 15px/1 var(--kopf);color:var(--navy);margin-bottom:26px}
.schritt h3{font-size:19px;font-weight:700;margin-bottom:10px}
.schritt p{margin:0;color:var(--text-2);font-size:15.5px}
@media(max-width:960px){.schritte{grid-template-columns:1fr;gap:0}.schritte::before{left:24px;right:auto;top:24px;bottom:24px;width:1.5px;height:auto;background:linear-gradient(180deg,var(--stahl),var(--silber-hell))}.schritt{display:grid;grid-template-columns:49px 1fr;gap:0 22px;padding-bottom:34px}.schritt .nr{grid-row:span 2;margin:0}}

/* Objektarten */
.objekte{display:flex;flex-wrap:wrap;gap:12px}
.objekte span{font:500 15px/1 var(--fliess);color:var(--navy);padding:13px 18px;border-radius:999px;background:#fff;box-shadow:inset 0 0 0 1px var(--linie)}
.zielgruppen{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px}
.zielgruppe{padding:30px 28px;border-radius:var(--r);background:#fff;box-shadow:inset 0 0 0 1px var(--linie)}
.zielgruppe h3{font-size:18.5px;font-weight:700;margin-bottom:8px}
.zielgruppe p{margin:0;color:var(--text-2);font-size:15.5px}
@media(max-width:860px){.zielgruppen{grid-template-columns:1fr}}

/* Partnerschaft */
.partnerschaft{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-tief) 100%);color:#fff;position:relative;overflow:hidden}
.partnerschaft .w{position:relative;display:grid;grid-template-columns:1fr auto;gap:60px;align-items:center;padding-top:110px;padding-bottom:110px}
.partnerschaft h2{color:#fff;font-size:clamp(30px,3.6vw,46px);line-height:1.12;font-weight:800;margin:18px 0 20px}
.partnerschaft p{color:#c3cddb;font-size:18.5px;max-width:640px;margin:0}
.partnerschaft .augenbraue{color:var(--silber)}
.partnerschaft img{width:230px;border-radius:50%;box-shadow:0 30px 60px rgba(0,0,0,.35),0 0 0 8px rgba(255,255,255,.05)}
@media(max-width:860px){.partnerschaft .w{grid-template-columns:1fr;padding-top:84px;padding-bottom:84px}.partnerschaft img{width:150px}}

/* Team */
.team{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,440px));gap:20px}
.person{display:flex;gap:20px;align-items:center;padding:26px;border-radius:var(--r);background:#fff;box-shadow:inset 0 0 0 1px var(--linie)}
.monogramm{flex:none;width:64px;height:64px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(145deg,var(--navy-2),var(--navy));color:#fff;font:700 20px/1 var(--kopf);letter-spacing:.04em}
.person b{display:block;font:700 17.5px/1.3 var(--kopf);color:var(--navy)}
.person span{display:block;color:var(--text-2);font-size:14.5px;margin-top:4px}

/* FAQ */
.faq{max-width:860px}
.faq details{border-top:1px solid var(--linie)}
.faq details:last-child{border-bottom:1px solid var(--linie)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:26px 0;font:600 18px/1.4 var(--kopf);color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:12px;height:12px;border-right:2px solid var(--stahl);border-bottom:2px solid var(--stahl);transform:rotate(45deg) translate(-3px,-3px);transition:transform .25s}
.faq details[open] summary::after{transform:rotate(225deg) translate(-3px,-3px)}
.faq details p{margin:0 0 26px;color:var(--text-2);max-width:720px}

/* Kontakt */
.kontakt .w{display:grid;grid-template-columns:.85fr 1.15fr;gap:72px;align-items:start}
.direkt{margin-top:34px;display:grid;gap:14px}
.direkt a{display:flex;gap:14px;align-items:center;text-decoration:none;color:var(--navy);font-weight:500}
.direkt a:hover{color:var(--stahl)}
.direkt svg{width:20px;height:20px;stroke:var(--stahl);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.formular{background:#fff;border-radius:20px;padding:40px;box-shadow:var(--schatten),inset 0 0 0 1px var(--linie);display:grid;grid-template-columns:1fr 1fr;gap:18px}
.formular label{display:grid;gap:7px;font:600 13.5px/1.2 var(--fliess);color:var(--navy)}
.formular .voll{grid-column:1/-1}
.formular input,.formular select,.formular textarea{font:400 16px/1.4 var(--fliess);color:var(--text);background:var(--flaeche);border:1px solid var(--linie);border-radius:10px;padding:13px 14px;transition:border-color .2s,background .2s,box-shadow .2s;width:100%}
.formular input:focus,.formular select:focus,.formular textarea:focus{outline:0;background:#fff;border-color:var(--stahl);box-shadow:0 0 0 4px rgba(44,93,143,.12)}
.formular textarea{min-height:120px;resize:vertical}
.formular .zustimmung{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;font:400 14px/1.5 var(--fliess);color:var(--text-2)}
.formular .zustimmung input{width:18px;height:18px;margin-top:2px;flex:none;accent-color:var(--navy)}
.formular .knopf{grid-column:1/-1;padding:17px}
.formular .klein{grid-column:1/-1;font-size:12.5px;color:var(--text-2);margin:0}
@media(max-width:960px){.kontakt .w{grid-template-columns:1fr;gap:40px}}
@media(max-width:600px){.formular{grid-template-columns:1fr;padding:26px 22px}}

/* Fuß */
.seitenfuss{background:var(--navy-tief);color:#93a3ba;font-size:14px}
.seitenfuss .w{padding-top:64px;padding-bottom:40px}
.fuss-oben{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.08)}
.fuss-oben img{height:38px;width:auto}
.fuss-oben nav{display:flex;gap:28px;flex-wrap:wrap}
.fuss-oben nav a{text-decoration:none;color:#c3cddb}
.fuss-oben nav a:hover{color:#fff}
.pflicht{margin:28px 0 0;font-size:12.5px;line-height:1.7;max-width:920px}
.copy{margin-top:22px;font-size:12.5px;color:#8a9bb3}

/* Rechtsseiten */
.recht{max-width:820px;margin:0 auto;padding:80px 28px 110px}
.recht h1{font-size:clamp(34px,4vw,46px);font-weight:800;margin-bottom:28px}
.recht h2{font-size:19px;font-weight:700;margin:40px 0 10px}
.recht p{color:var(--text-2);margin:0 0 12px}
.recht a{color:var(--stahl)}
.hinweis{background:#fbeeee;border:1px solid #ecc7c7;color:#7a1f1f!important;padding:14px 18px;border-radius:12px;font-size:15px}

/* Bewegung */
.rein{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.rein.da{opacity:1;transform:none}
.js-aus .rein{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.rein{opacity:1;transform:none;transition:none}*{animation:none!important}}
/* Wissensartikel (01.11.2026) */
.recht.artikel h1{font-size:clamp(28px,4.4vw,46px);line-height:1.12;margin:14px 0 22px;hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
.recht.artikel .lead{font-size:17.5px;line-height:1.6}
.recht.artikel h3{font-size:17px;margin:22px 0 6px}
.recht.artikel ol li,.recht.artikel ul li{margin:4px 0}