/* ═══════════════════════════════════════════════════════════════════
   STARTSEITE VERDICHTET — 23.09.2026 (nur index.html, fr.html, en.html)
   Neue Abschnitte #problem, #system, #plattform und die Anpassungen am
   Hero und an #angebot (zwei Wege). Eigene Datei, damit styles.css und
   die acht Seiten, die sie laden, unangetastet bleiben.
   ═══════════════════════════════════════════════════════════════════ */

/* Hero: zwei Knöpfe nebeneinander, das Erstgespräch als Zeile darunter */
#hero .hero-btns{display:flex;flex-direction:row;flex-wrap:wrap;gap:12px 14px;align-items:center}
#hero .hero-btns .btn-cta{width:auto;min-width:0;padding:16px 24px;font-size:15.5px}
#hero .hero-btns .hero-termin{flex-basis:100%}
#hero .hero-h{font-size:clamp(34px,4.1vw,58px);line-height:1.08}
#hero .hero-sub{max-width:560px}

/* Das Problem */
#problem{padding:80px 5% 56px;background:#fff}
.hp-mitte{max-width:820px;margin:0 auto;text-align:center}
.hp-mitte .sub-sec{margin-left:auto;margin-right:auto}
.hp-fett{font-weight:700;color:var(--navy,#1d3a65)}

/* Das System: vier Kacheln, Stil wie die Angebots-Kacheln */
#system{background:var(--bg); padding:var(--section-y) 5%;}
#system .ang-head{text-align:center; max-width:720px; margin:0 auto 44px;}
#system .ang-head .eyebrow{color:var(--gold-d); justify-content:center;}
#system .ang-head .h-sec{color:var(--navy);}
#system .ang-head .h-sec em{color:var(--gold-d);}
#system .ang-head .sub-sec{color:var(--txt-m); margin-top:14px;}
#system .tiles{display:grid; grid-template-columns:repeat(3,1fr); gap:24px; max-width:1100px; margin:0 auto;}
#system .tile{display:flex; flex-direction:column; background:var(--white); border:1px solid var(--grey); border-radius:16px; padding:34px 30px; text-decoration:none; transition:transform .25s, box-shadow .25s, border-color .25s;}
#system .tile:hover{transform:translateY(-4px); box-shadow:0 16px 40px rgba(29,58,101,0.10); border-color:var(--gold);}
#system .tile-num{font-family:'DM Serif Display',serif; font-size:40px; color:rgba(29,58,101,0.16); line-height:1; margin-bottom:14px;}
#system .tile-eyebrow{display:inline-block; align-self:flex-start; font-size:11px; font-weight:700; letter-spacing:0.12em; text-transform:uppercase; color:var(--gold-d); background:rgba(176,158,128,0.14); border-radius:20px; padding:5px 11px; margin-bottom:10px;}
#system .tile h3{font-family:'DM Serif Display',serif; font-size:23px; color:var(--navy); margin-bottom:10px;}
#system .tile p{font-size:13.5px; line-height:1.7; color:var(--txt-m); font-weight:300; flex:1; margin-bottom:20px;}
#system .tile-link{font-size:13px; font-weight:600; color:var(--navy);}
#system .tile:hover .tile-link{color:var(--gold-d);}
#system .ang-zitat{max-width:760px; margin:40px auto 0;}
#system .quote-card{background:var(--white); border:1px solid var(--grey); border-left:3px solid var(--gold); border-radius:0 14px 14px 0; padding:34px 36px 30px 40px; position:relative;}
#system .quote-mark{font-family:'DM Serif Display',serif; font-size:64px; line-height:0.6; color:rgba(176,158,128,0.22); position:absolute; top:18px; left:16px; pointer-events:none;}
#system .quote-text{font-family:'DM Serif Display',serif; font-size:22px; line-height:1.5; color:var(--navy); font-style:italic; margin:0 0 18px; position:relative; z-index:1;}
#system .quote-author{display:flex; align-items:center; gap:14px;}
#system .qa-photo{width:64px; height:64px; border-radius:50%; object-fit:cover; border:2px solid rgba(176,158,128,0.4); flex-shrink:0;}
#system .quote-card .qa-name{font-size:16px; font-weight:600; color:var(--navy-d) !important;}
#system .quote-card .qa-role, #system .quote-card .qa-role span{font-size:13px; color:var(--txt-m) !important; margin-top:2px;}
#system .ang-cta{text-align:center; margin-top:28px;}
#system{padding:24px 5% 72px;background:#fff}
#system .tiles.hp-vier{grid-template-columns:repeat(4,1fr)}
#system .dl-more-wrap{margin-top:28px;text-align:center}
@media(max-width:1100px){#system .tiles.hp-vier{grid-template-columns:1fr 1fr}}
@media(max-width:600px){#system .tiles.hp-vier{grid-template-columns:1fr}}

/* Die Plattform */
#plattform{background:linear-gradient(135deg,var(--navy-d,#0f1f38),var(--navy,#1D3A65));color:#fff;padding:84px 5%;position:relative;overflow:hidden}
#plattform::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(to right,transparent,rgba(176,158,128,.3) 30%,rgba(176,158,128,.3) 70%,transparent)}
#plattform::after{content:'';position:absolute;right:-10%;top:-30%;width:55%;height:160%;background:radial-gradient(closest-side,rgba(176,158,128,.16),transparent 70%);pointer-events:none}
#plattform .container{position:relative;z-index:1}
.hp-plat{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center;max-width:1180px;margin:0 auto}
.hp-plat-btn{margin-top:26px}
.hp-fakten{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.hp-fakten li{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:16px 18px;display:grid;grid-template-columns:84px 1fr;gap:12px;align-items:center;font-size:15px;line-height:1.45}
.hp-fakten b{font-size:32px;font-weight:800;color:var(--gold,#b5934a);font-variant-numeric:tabular-nums;white-space:nowrap}
@media(max-width:900px){.hp-plat{grid-template-columns:1fr}}

/* Zwei Wege */
#angebot .tiles{grid-template-columns:1fr 1fr;max-width:900px;margin-left:auto;margin-right:auto}
@media(max-width:900px){#angebot .tiles{grid-template-columns:1fr}}

/* 24.09.2026, Nicolas vor dem Termin: Bewertungs-Karussell weg, das Zitat-Band unten bleibt und trägt den Knopf rechts */
#reviews{display:none}
.pb-band{position:relative}
.pb-band .pb-btn{position:absolute;right:5%;top:50%;transform:translateY(-50%);white-space:nowrap}
@media(min-width:901px){.pb-band{padding-right:calc(5% + 250px)!important;padding-left:calc(5% + 250px)!important}}
@media(max-width:900px){.pb-band .pb-btn{position:static;transform:none;margin-top:16px}}
/* Fragen-Band im Finanzcockpit, unter dem Kopf */
#tools #fragen{border-radius:18px;margin:0 0 26px;padding:28px 28px 32px}

/* Hintere Ebene: Privat- und Firmen-Abschnitt zu, bis sie gerufen werden (Kachel, Menü, Anker) */
#leistungen.hp-zu,#firmen.hp-zu{display:none}
/* Knopf im Zitat-Band wie der braune Hero-Knopf */
.pb-band .pb-btn{padding:14px 22px;font-size:15px}