:root{
  --allianz:#003781;
  --allianz-d:#002a63;
  --accent:#0f766e;
  --ink:#172033;
  --muted:#5f6b7a;
  --line:#d9e1ec;
  --bg:#f6f8fb;
  --ok:#1e7d34;
  --err:#b42318;
  --radius:10px;
  --content:760px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--allianz)}
.container{width:100%;max-width:920px;margin:0 auto;padding:0 20px}

/* header */
.header{background:#fff;border-bottom:1px solid var(--line);padding:14px 0;position:sticky;top:0;z-index:20}
.header .container{display:flex;align-items:center;justify-content:space-between;gap:10px}
.brand{line-height:1.2}
.brand-logo{height:20px;width:auto;display:block}
.brand small{display:block;color:var(--muted);font-weight:400;font-size:11.5px;margin-top:4px}
.langswitch{position:relative;flex:0 0 auto}
.langswitch summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:5px;font-size:14px;font-weight:700;color:var(--ink);padding:6px 10px;border-radius:8px}
.langswitch summary::-webkit-details-marker{display:none}
.langswitch summary::after{content:"\25BE";font-size:11px;color:var(--muted)}
.langswitch[open] summary{background:var(--bg)}
.lang-menu{position:absolute;right:0;top:calc(100% + 4px);background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 8px 24px rgba(23,32,51,.12);padding:4px;min-width:60px;z-index:30}
.lang-menu a{display:block;padding:8px 14px;text-decoration:none;font-weight:700;font-size:14px;color:var(--ink);border-radius:6px;text-align:center}
.lang-menu a:hover{background:var(--bg)}

/* hero */
.hero{background:linear-gradient(180deg,#eef4fb 0%,#fff 100%);padding:48px 0 40px;text-align:center}
.hero h1{color:var(--allianz);font-size:30px;line-height:1.15;margin:0 auto 14px;max-width:640px}
.hero p.lead{font-size:16px;color:#263142;margin:0 auto;max-width:560px}
.hero-actions{display:grid;gap:10px;margin:24px auto 0;max-width:440px}
.hero-note{margin:16px 0 0;font-size:13px;color:var(--muted)}
.button{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;padding:13px 22px;min-height:48px;text-decoration:none;font-size:15px;font-weight:700;width:100%}
.button.primary{background:var(--allianz);color:#fff;box-shadow:0 6px 16px rgba(0,55,129,.22)}
.button.primary:hover{background:var(--allianz-d)}
.button.secondary{background:#fff;color:var(--allianz);border:1px solid var(--line)}

/* thank-you arrival mode (?src=meta or ?thanks=1) */
.hero-thanks{display:none}
html.mode-thanks .hero-thanks{display:block}
html.mode-thanks .hero-default{display:none}
html.mode-thanks .form-section{display:none}

/* sections — uniform rhythm, alternating bands */
.section{padding:44px 0}
.section.alt{background:var(--bg)}
.section-title{color:var(--allianz);font-size:25px;line-height:1.2;margin:0 0 8px;text-align:center}
.section-sub{color:var(--muted);font-size:14.5px;margin:0 auto 26px;max-width:560px;text-align:center}

/* steps */
.steps{display:grid;gap:14px;max-width:var(--content);margin:0 auto}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:grid;grid-template-columns:38px 1fr;gap:14px;align-items:start;box-shadow:0 2px 10px rgba(23,32,51,.05)}
.step .n{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--allianz);color:#fff;align-items:center;justify-content:center;font-size:15px;font-weight:700}
.step h3{margin:4px 0 6px;font-size:16px;color:var(--ink)}
.step p{margin:0;font-size:14px;color:#42506a}

/* about / agency */
.about{display:grid;gap:16px;max-width:var(--content);margin:0 auto}
.about p{margin:0;font-size:15px;color:#263142}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;font-size:14.5px;line-height:1.8}
.note{font-size:12.5px;color:var(--muted)}

/* topics */
.topic-groups{display:grid;gap:22px;max-width:var(--content);margin:0 auto}
.topic-group h3{margin:0 0 10px;font-size:15px;color:var(--allianz)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.chips li{background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:7px 13px;font-size:13px;color:#334155}
.section.alt .chips li{background:#fff}

/* data / privacy summary */
.data-list{display:grid;gap:10px;margin:0 auto;padding:0;list-style:none;max-width:var(--content)}
.data-list li{background:#fff;border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:8px;padding:13px 15px;font-size:14px;color:#334155}

/* faq */
.faq details{border:1px solid var(--line);border-radius:8px;background:#fff;margin:0 auto 10px;max-width:var(--content)}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:700;font-size:14.5px;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--allianz);font-weight:700;flex:0 0 auto}
.faq details[open] summary::after{content:"\2013"}
.faq details p{margin:0;padding:0 16px 14px;font-size:14px;color:#42506a}

/* form */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:0 8px 28px rgba(23,32,51,.08);max-width:820px;margin:0 auto}
.form-title{margin:0 0 16px;color:var(--allianz);font-size:24px;line-height:1.2;text-align:center}
.form-grid{display:grid;grid-template-columns:1fr;gap:12px}
.form-grid .full{grid-column:1 / -1}
label{display:block;font-size:13px;font-weight:700;margin:0 0 5px;color:#283447}
input,select{width:100%;min-height:48px;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font-size:16px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:3px solid #cfe0f7;border-color:var(--allianz)}
.consent{grid-column:1 / -1;background:#f9fafb;border:1px solid var(--line);border-radius:8px;padding:13px}
.consent label{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:flex-start;font-weight:400;font-size:13.2px;line-height:1.45}
.consent input[type=checkbox]{width:20px;height:20px;margin:1px 0 0;accent-color:var(--allianz)}
.scope-title{display:inline;font-weight:700;color:#283447}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.cf-turnstile{max-width:100%;overflow:hidden}
.btn{background:var(--allianz);color:#fff;border:0;border-radius:8px;padding:14px 18px;font-size:16px;font-weight:700;cursor:pointer;width:100%;min-height:52px}
.btn:hover{background:var(--allianz-d)}
.btn[disabled]{opacity:.62;cursor:not-allowed}
.fine{font-size:12px;color:var(--muted);margin:12px 0 0}
.msg{display:none;border-radius:8px;padding:14px;margin-top:14px;font-size:14.5px}
.msg.ok{display:block;background:#eaf7ee;color:var(--ok);border:1px solid #bce3c6}
.msg.err{display:block;background:#fdecea;color:var(--err);border:1px solid #f5c6c0}

/* footer */
.footer{background:var(--allianz-d);color:#b9c6dd;font-size:12.5px;padding:26px 0;margin-top:44px;text-align:center;line-height:1.9}
.footer strong{color:#fff}
.footer a{color:#dbe4f3}
.section.alt + main + .footer,.section + .footer{margin-top:44px}

/* consent banner (CMP) */
.cmp{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 -2px 16px rgba(0,0,0,.08);padding:12px 0;z-index:50;display:none}
.cmp.show{display:block}
.cmp .container{display:grid;gap:10px}
.cmp p{margin:0;font-size:12.5px;color:#333}
.cmp .btns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.cmp button{border-radius:8px;padding:10px 12px;font-size:13px;font-weight:700;cursor:pointer;border:1px solid var(--allianz);min-height:42px}
.cmp .accept{background:var(--allianz);color:#fff}
.cmp .decline{background:#fff;color:var(--allianz)}

/* legal pages (datenschutz / impressum) */
.legal-page{padding-top:28px;padding-bottom:20px}
.legal-card{max-width:860px;margin:0 auto}
.legal-card h1{color:var(--allianz);font-size:30px;line-height:1.15;margin:8px 0 12px;text-align:left}
.legal-card h2{color:var(--allianz);font-size:20px;line-height:1.25;margin:24px 0 8px}
.legal-card p,.legal-card li{font-size:14.5px;color:#283447}
.legal-card ol,.legal-card ul{padding-left:20px}
.legal-meta{color:var(--muted)}
.badge{display:inline-flex;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:700;line-height:1}
.badge.warn{background:#fdecea;color:#b42318}

@media(min-width:520px){
  .hero-actions{grid-template-columns:1fr 1fr}
  .cmp .btns{max-width:320px}
}

@media(min-width:760px){
  .brand-logo{height:24px}
  .brand small{font-size:12.5px}
  .hero{padding:72px 0 60px}
  .hero h1{font-size:40px}
  .hero p.lead{font-size:17.5px}
  .hero-actions{display:flex;justify-content:center;max-width:none}
  .button{width:auto;min-width:200px}
  .section{padding:56px 0}
  .section-title{font-size:29px}
  .section-sub{margin-bottom:32px}
  .steps{grid-template-columns:repeat(3,1fr);max-width:860px}
  .step{grid-template-columns:1fr;justify-items:start;gap:10px;padding:22px}
  .topic-groups{grid-template-columns:1fr 1fr;max-width:860px}
  .card{padding:32px 36px}
  .form-title{font-size:26px}
  .form-grid{grid-template-columns:1fr 1fr;gap:14px}
  .cmp .container{display:flex;gap:14px;align-items:center;flex-wrap:wrap;justify-content:space-between}
  .cmp p{font-size:13.5px;flex:1 1 320px}
  .cmp .btns{display:flex;gap:8px;max-width:none}
  .cmp button{font-size:14px;padding:10px 16px}
}

@media(min-width:1040px){
  .hero h1{font-size:44px}
}