/* ============================================================
   lebensversicherung.one — UI 2026 (Premium Refresh)
   Wird NACH style.css geladen. Token-Override färbt das Template um.
   Navy #0B2545 · Grün #0F7B5B · Mint #E8F5EF · Cream #FAF7F2
   ============================================================ */
:root{
  --primary:#0B2545; --accent:#0F7B5B; --accent-h:#0B6248;
  --bg:#FAF7F2; --text:#1B2B3A; --muted:#566879; --border:#E1E6E4;
  --mint:#E8F5EF; --cream:#FAF7F2; --err:#B42318;
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sh:0 1px 2px rgba(11,37,69,.06),0 10px 28px rgba(11,37,69,.09);
  --focus:0 0 0 3px #fff,0 0 0 5px #0F7B5B;
}
body{color:var(--text)}
:focus-visible{outline:none;box-shadow:var(--focus);border-radius:8px}
.btn{min-height:48px;justify-content:center;white-space:normal;text-align:center}
.btn-primary:hover{box-shadow:0 4px 16px rgba(15,123,91,.3)}
.lv-nav a.active{background:var(--mint)}
.lv-header{height:auto}
.lv-header-inner{height:76px}
.lh-serif,.lh-h2,.lh-hero h1{font-family:var(--serif);font-weight:600;letter-spacing:-.01em}

/* Utility-Bar */
.lh-util{background:var(--primary);color:#C9D8E2;font-size:.82rem}
.lh-util-in{max-width:var(--wrap);margin:0 auto;padding:.45rem 24px;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.lh-util a{color:#C9D8E2;margin-left:1.25rem}
.lh-util a:hover{color:#fff}

/* Nav-Dropdowns */
.lv-nav{gap:.1rem}
.lh-dd{position:relative}
.lh-dd>button{padding:7px 12px;border-radius:8px;font-size:15px;font-weight:500;color:var(--text);background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:.35rem;min-height:44px;font-family:inherit}
.lh-dd>button:hover{background:var(--mint);color:var(--primary)}
.lh-dd-panel{display:none;position:absolute;left:0;top:calc(100% + 6px);min-width:260px;background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:0 24px 60px rgba(11,37,69,.16);padding:.8rem;z-index:150}
.lh-dd.open .lh-dd-panel{display:block}
.lv-nav .lh-dd-panel a{display:block;padding:.55rem .6rem;border-radius:8px;font-size:15px}
.lv-nav .lh-dd-panel a:hover{background:var(--mint)}
.lv-nav a{min-height:44px;display:inline-flex;align-items:center}
@media(max-width:1000px){.lv-nav{display:none}.lv-burger{display:flex}.lh-util a.hm{display:none}}

/* Mobile-Panel Akkordeon */
.lh-acc{border-bottom:1px solid var(--border)}
.lh-acc>summary{list-style:none;display:flex;justify-content:space-between;align-items:center;min-height:52px;padding:0 20px;font-weight:700;color:var(--primary);cursor:pointer}
.lh-acc>summary::-webkit-details-marker{display:none}
.lh-acc>summary::after{content:"+";font-size:1.3rem;color:var(--accent)}
.lh-acc[open]>summary::after{content:"–"}
.lh-acc a{display:block;padding:.7rem 20px .7rem 32px;color:var(--muted);min-height:44px}
.lh-top{display:flex;align-items:center;min-height:52px;padding:0 20px;font-weight:700;color:var(--primary);border-bottom:1px solid var(--border)}
.lv-mob-panel:not(.open){box-shadow:none}

/* ---------- Layout ---------- */
.lh-wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.lh-sec{padding:4.5rem 0}
.lh-sec--cream{background:var(--cream)}
.lh-sec--mint{background:var(--mint)}
.lh-eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--accent)}
.lh-h2{font-size:clamp(1.8rem,3.4vw,2.6rem);line-height:1.15;margin:.35rem 0 .8rem;color:var(--primary)}
.lh-lead{font-size:1.06rem;max-width:58ch;color:var(--muted)}
.lh-more{font-weight:600;display:inline-flex;gap:.4rem}
.lh-head{display:flex;justify-content:space-between;align-items:flex-end;gap:1rem;flex-wrap:wrap;margin-bottom:1.6rem}
.lh-note{font-size:.84rem;color:var(--muted);margin-top:.8rem;line-height:1.5}
.lh-ill{display:inline-block;background:#FEF3C7;color:#92400E;font-size:.7rem;font-weight:700;border-radius:999px;padding:.12rem .5rem;margin-left:.3rem;vertical-align:middle;font-family:var(--font)}
@media(max-width:700px){.lh-sec{padding:3rem 0}}

/* ---------- Hero ---------- */
.lh-hero{position:relative;background:var(--cream);overflow:hidden}
.lh-hero-in{max-width:var(--wrap);margin:0 auto;padding:3.5rem 24px;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:2.5rem;align-items:center}
.lh-hero h1{font-size:clamp(2.3rem,5.2vw,3.9rem);line-height:1.06;margin:.6rem 0 .9rem;color:var(--primary)}
.lh-sub{font-size:1.2rem;font-weight:600;color:var(--primary);margin-bottom:.6rem}
.lh-txt{max-width:50ch;margin-bottom:1.5rem;color:var(--muted)}
.lh-form{background:#fff;border:1px solid var(--border);border-radius:20px;box-shadow:var(--sh);padding:1.25rem;max-width:640px}
.lh-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.9rem;margin-bottom:1rem}
.lh-field label{display:block;font-size:.82rem;font-weight:600;color:var(--primary);margin-bottom:.3rem}
.lh-field input,.lh-field select{width:100%;min-height:48px;border:1px solid #BFCCD3;border-radius:12px;padding:0 .8rem;font:inherit;font-size:16px;color:var(--primary);background:#fff;min-width:0}
.lh-field input:focus,.lh-field select:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px rgba(15,123,91,.2)}
.lh-field [aria-invalid=true]{border-color:var(--err)}
.lh-err{color:var(--err);font-size:.8rem;min-height:1em;margin-top:.2rem}
.lh-form .btn{width:100%}
.lh-checks{display:flex;gap:1rem;flex-wrap:wrap;margin-top:.8rem;font-size:.85rem;color:var(--primary)}
.lh-checks span::before{content:"✓";color:var(--accent);font-weight:800;margin-right:.35rem}
.lh-photo img{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;border-radius:28px;box-shadow:var(--sh)}
@media(max-width:960px){.lh-hero-in{grid-template-columns:1fr;padding-top:2rem}.lh-photo{order:-1}.lh-photo img{aspect-ratio:16/10}}
@media(max-width:600px){.lh-fields{grid-template-columns:1fr}}

/* ---------- Anbieterleiste ---------- */
.lh-prov{background:#fff;border-bottom:1px solid var(--border)}
.lh-prov-in{max-width:var(--wrap);margin:0 auto;padding:1.1rem 24px;display:flex;align-items:center;gap:.7rem 1.4rem;flex-wrap:wrap}
.lh-prov strong{font-size:.85rem;color:var(--primary)}
.lh-prov .p{font-weight:700;color:var(--muted)}

/* ---------- Karten ---------- */
.lh-split{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.7fr);gap:3rem;align-items:start}
.lh-cards4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1.1rem}
.lh-card{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;display:flex;flex-direction:column;color:inherit;transition:box-shadow .18s,transform .18s}
a.lh-card:hover{box-shadow:var(--sh);transform:translateY(-2px);color:inherit}
.lh-card img{width:100%;aspect-ratio:4/3;object-fit:cover;background:var(--mint)}
.lh-card-b{padding:1rem 1.1rem 1.2rem;display:flex;flex-direction:column;gap:.35rem}
.lh-card-b h3{font-size:1.05rem;color:var(--primary);line-height:1.3}
.lh-card-b p{font-size:.9rem;line-height:1.5;color:var(--muted)}
.lh-card-b .go{margin-top:.3rem;font-weight:600;color:var(--accent)}
.lh-meta{font-size:.78rem;color:var(--muted);margin-top:auto}
.lh-cat{position:absolute;left:.7rem;top:.7rem;background:#fff;color:var(--primary);font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;font-weight:700;border-radius:6px;padding:.25rem .55rem}
.lh-imgw{position:relative}
@media(max-width:1000px){.lh-split{grid-template-columns:1fr;gap:1.5rem}.lh-cards4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.lh-cards4{grid-template-columns:1fr}}

/* ---------- Dark Story ---------- */
.lh-dark{background:var(--primary);color:#C9D8E2}
.lh-dark .lh-h2{color:#fff}
.lh-dark .lh-eyebrow{color:#7FD6B5}
.lh-dark p{color:#C9D8E2}
.lh-story{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.2fr);gap:3rem;align-items:center}
.lh-facts{display:grid;gap:1rem}
.lh-fact{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:1.1rem 1.3rem}
.lh-fact strong{display:block;color:#fff;font-size:1.05rem;margin-bottom:.2rem}
.lh-dark .btn-white{background:#fff;color:var(--primary)}
.lh-dark .lh-note{color:#9FB4C2}
@media(max-width:900px){.lh-story{grid-template-columns:1fr;gap:1.5rem}}

/* ---------- Tabelle ---------- */
.lh-tw{overflow-x:auto;border:1px solid var(--border);border-radius:16px;background:#fff;margin-top:1.4rem}
.lh-table{width:100%;border-collapse:collapse;min-width:820px;font-size:.93rem}
.lh-table th{background:var(--mint);color:var(--primary);text-align:left;padding:.8rem 1rem;white-space:nowrap}
.lh-table td{padding:.8rem 1rem;border-top:1px solid var(--border)}
.lh-scrollhint{display:none;font-size:.8rem;color:var(--muted);margin-top:.5rem}
@media(max-width:900px){.lh-scrollhint{display:block}}

/* ---------- Methodik ---------- */
.lh-method{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.1rem;margin-top:1.4rem}
.lh-method div{background:#fff;border:1px solid var(--border);border-radius:16px;padding:1.2rem}
.lh-method h3{font-size:1.05rem;margin-bottom:.3rem;color:var(--primary)}
@media(max-width:800px){.lh-method{grid-template-columns:1fr}}

/* ---------- Rechner ---------- */
.lh-calc{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);border-radius:24px;overflow:hidden;background:#fff;border:1px solid var(--border);box-shadow:var(--sh)}
.lh-calc>img{width:100%;height:100%;object-fit:cover;min-height:300px}
.lh-calc-b{padding:2rem clamp(1.25rem,3vw,2.5rem)}
.lh-calc-b .lh-fields{margin-top:1rem}
.lh-result{margin-top:1rem;background:var(--mint);border-radius:14px;padding:1rem 1.2rem;color:var(--primary)}
.lh-result b{font-size:1.5rem;color:var(--accent)}
@media(max-width:860px){.lh-calc{grid-template-columns:1fr}.lh-calc>img{height:240px}}

/* ---------- Schritte ---------- */
.lh-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.2rem;counter-reset:s;margin-top:1.6rem}
.lh-step{background:#fff;border:1px solid var(--border);border-radius:16px;padding:1.3rem 1.4rem}
.lh-step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--accent);color:#fff;font-weight:700;margin-bottom:.7rem}
.lh-step h3{font-size:1.08rem;margin-bottom:.3rem;color:var(--primary)}
@media(max-width:800px){.lh-steps{grid-template-columns:1fr}}

/* ---------- FAQ ---------- */
.lh-faqgrid{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:3rem}
.lh-faq details{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:.7rem}
.lh-faq summary{list-style:none;cursor:pointer;min-height:52px;padding:.9rem 1.1rem;display:flex;justify-content:space-between;gap:1rem;align-items:center;font-weight:600;color:var(--primary)}
.lh-faq summary::-webkit-details-marker{display:none}
.lh-faq summary::after{content:"";flex:none;width:9px;height:9px;border-right:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:rotate(45deg);transition:transform .15s}
.lh-faq details[open] summary::after{transform:rotate(-135deg)}
.lh-faq .a{padding:0 1.1rem 1rem;font-size:.95rem;line-height:1.6}
@media(max-width:860px){.lh-faqgrid{grid-template-columns:1fr;gap:1rem}}

/* ---------- CTA ---------- */
.lh-cta{background:var(--accent);color:#E3F5EE}
.lh-cta-in{max-width:var(--wrap);margin:0 auto;padding:3.2rem 24px;display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap}
.lh-cta h2{color:#fff;font-family:var(--serif);font-weight:600;font-size:clamp(1.7rem,3vw,2.4rem)}
.lh-cta .btn{background:#fff;color:var(--accent-h)}

/* ---------- Footer ---------- */
.lv-footer{background:var(--primary);margin-top:0}
.footer-grid{grid-template-columns:1.5fr 1fr 1fr 1fr 1fr}
.lv-footer h4{color:#fff}
.lv-footer li a{display:inline-block;padding:.3rem 0;min-height:32px}
.lh-disclosure{border-top:1px solid rgba(255,255,255,.12);padding-top:1rem;font-size:.82rem;color:#9FB4C2;margin-bottom:1rem}
@media(max-width:960px){.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}

/* ---------- Template-weit ---------- */
.lv-hero{background:linear-gradient(135deg,#071A33 0%,#0B2545 55%,#0F5A47 100%)!important}
.lv-section-gray{background:var(--cream)}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

.lv-section-blue{background:linear-gradient(135deg,#071A33 0%,#0B2545 55%,#0F5A47 100%)!important}
.calc-result{background:linear-gradient(135deg,#0B2545,#0F5A47)}
.lv-stat{background:linear-gradient(135deg,#E8F5EF,#D3EDE2)}
.gsw-btn{min-width:44px;min-height:44px}
.lv-header-inner .gsw-btn{margin-left:auto}
@media(min-width:1001px){.lv-header-inner .gsw-btn{margin-left:0;order:3}}

@media(max-width:1000px){.lv-header-inner{gap:6px}.lv-logo{font-size:17px;min-width:0;white-space:nowrap}.lv-logo svg{width:26px;height:26px}.lv-wrap{padding:0 16px}}
@media(max-width:400px){.lv-logo{font-size:15.5px}}
@media(max-width:340px){.lv-logo{font-size:13.5px;gap:6px}.lv-logo svg{width:22px;height:22px}}

a[href^="#abschnitt"]{display:inline-block;max-width:100%;white-space:normal;overflow-wrap:anywhere}
.lv-toc,.lv-toc li{min-width:0;max-width:100%}

h1,h2,h3{overflow-wrap:anywhere;hyphens:auto}
@media(max-width:600px){.lv-single-main h1{font-size:clamp(24px,7vw,34px)!important}}