:root{
  --navy:#0b3e6b; --navy-2:#154671; --blau:#49b2e0; --hell:#7dc7e9; --hell-2:#e8f5fb;
  --text:#1c2733; --grau:#5b6875; --linie:#d9e3ea; --bg:#ffffff; --bg-2:#f5f8fa;
  --ok:#1f8a4c; --warn:#b25d00; --radius:12px;
  --schatten:0 6px 24px rgba(11,62,107,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.55;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}

/* Kopfzeile */
header.top{background:#fff;border-bottom:1px solid var(--linie);position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
header.top img{height:46px;width:auto}
nav a{margin-left:20px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px}
nav a.btn{margin-left:24px}
@media(max-width:820px){nav a:not(.btn){display:none}}

.btn{display:inline-block;white-space:nowrap;background:var(--navy);color:#fff!important;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:999px;border:0;cursor:pointer;font-size:16px}
.btn:hover{background:var(--navy-2)}
.btn.hell{background:var(--blau)}
.btn.hell:hover{background:#3aa3d2}
.btn.rand{background:#fff;color:var(--navy)!important;border:2px solid var(--navy)}

/* Kopfbereich */
.hero{background:linear-gradient(135deg,var(--hell-2),#fff 60%);padding:56px 0 48px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{font-size:40px;line-height:1.15;color:var(--navy);margin:0 0 18px}
.hero h1 span{color:var(--blau)}
.haken{list-style:none;padding:0;margin:0 0 26px}
.haken li{padding-left:34px;position:relative;margin:8px 0;font-weight:600}
.haken li:before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:var(--blau) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='white'/%3E%3C/svg%3E") center/16px no-repeat}
.hero-bild{border-radius:var(--radius);overflow:hidden;box-shadow:var(--schatten)}
.preise{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:22px}
.preis{background:#fff;border:2px solid var(--linie);border-radius:var(--radius);padding:16px 18px}
.preis.express{border-color:var(--blau)}
.preis .betrag{font-size:32px;font-weight:800;color:var(--navy)}
.preis .titel{font-weight:700}
.preis .frist{color:var(--grau);font-size:14px}
.klein{font-size:14px;color:var(--grau)}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero h1{font-size:31px}}

section{padding:64px 0}
section.grau{background:var(--bg-2)}
h2{font-size:30px;color:var(--navy);margin:0 0 10px}
.einleitung{color:var(--grau);max-width:720px;margin:0 0 34px}

/* Schritte */
.schritte{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.schritt{background:#fff;border-radius:var(--radius);box-shadow:var(--schatten);overflow:hidden}
.schritt img{aspect-ratio:3/2;object-fit:cover;width:100%}
.schritt .inhalt{padding:18px 20px 22px}
.schritt .nr{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:8px}
.schritt h3{margin:0 0 6px;color:var(--navy)}
@media(max-width:820px){.schritte{grid-template-columns:1fr}}

/* Wofür */
.anlaesse{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.anlass{border:1px solid var(--linie);border-radius:var(--radius);padding:22px;background:#fff}
.anlass h3{margin:0 0 6px;color:var(--navy)}
.zweispaltig{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center;margin-top:34px}
.zweispaltig img{border-radius:var(--radius);box-shadow:var(--schatten)}
@media(max-width:820px){.anlaesse,.zweispaltig{grid-template-columns:1fr}}

/* Fotoanleitung */
.querformat{display:flex;gap:22px;align-items:center;background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px 26px;margin-bottom:28px}
.querformat svg{flex:0 0 auto}
.querformat strong{font-size:20px;display:block}
.tipps{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 26px;padding:0;list-style:none}
.tipps li{background:#fff;border:1px solid var(--linie);border-radius:999px;padding:6px 14px;font-size:15px}
.fotoliste{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.fotoliste .foto{padding:12px}
.foto{background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:16px}
.foto img.muster{width:100%;aspect-ratio:3/2;object-fit:contain;background:#fff;border-radius:8px;margin-bottom:10px}
.foto h4{margin:0 0 4px;color:var(--navy);font-size:16px}
.foto p{margin:0;font-size:14px;color:var(--grau)}
@media(max-width:980px){.fotoliste{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.fotoliste{grid-template-columns:1fr}}

/* Formular */
form{background:#fff;border-radius:var(--radius);box-shadow:var(--schatten);padding:30px}
fieldset{border:0;padding:0;margin:0 0 30px}
legend{font-size:21px;font-weight:800;color:var(--navy);margin-bottom:14px}
.felder{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
.voll{grid-column:1/-1}
label{display:block;font-weight:600;font-size:15px;margin-bottom:4px}
label .opt{font-weight:400;color:var(--grau)}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=number],textarea{width:100%;padding:11px 12px;border:1px solid #b9c7d2;border-radius:8px;font:inherit}
textarea{min-height:100px}
input:focus,textarea:focus{outline:2px solid var(--blau);border-color:var(--blau)}
@media(max-width:700px){.felder{grid-template-columns:1fr}form{padding:20px}}
.pakete{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.paket{border:2px solid var(--linie);border-radius:var(--radius);padding:14px 16px;cursor:pointer;display:flex;gap:12px;align-items:flex-start}
.paket:has(input:checked){border-color:var(--navy);background:var(--hell-2)}
.paket input{margin-top:6px}
@media(max-width:600px){.pakete{grid-template-columns:1fr}}
.uploads{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.upload{border:1px dashed #9fb3c2;border-radius:var(--radius);padding:14px;background:var(--bg-2)}
.upload .kopf .nw{white-space:nowrap}
.upload.pflicht .kopf .nw:after{content:"\00a0*";color:#c0392b}
.upload .kopf{font-weight:700;color:var(--navy)}
.upload img.muster{width:100%;max-width:260px;aspect-ratio:3/2;object-fit:contain;background:#fff;border-radius:8px;margin-bottom:8px;border:1px solid var(--linie)}
.upload .hinweis{font-size:13px;color:var(--grau);margin:2px 0 8px}
.upload input[type=file]{width:100%;font-size:14px}
.vorschau-bilder{display:flex;gap:6px;flex-wrap:wrap;margin-top:8px}
.vorschau-bilder img{width:64px;height:48px;object-fit:cover;border-radius:6px;border:1px solid var(--linie)}
.upload.fehler{border-color:#c0392b;background:#fdf1f0}
@media(max-width:700px){.uploads{grid-template-columns:1fr}}
.upload img.muster{cursor:zoom-in}
@media(max-width:700px){
  .upload{display:grid;grid-template-columns:76px 1fr;column-gap:12px;align-items:start}
  .upload img.muster{grid-row:1/span 2;width:76px;max-width:none;margin:0;border-radius:6px}
  .upload .kopf,.upload .hinweis{grid-column:2}
  .upload .hinweis{margin-bottom:10px}
  .upload input[type=file],.upload .vorschau-bilder,.upload .hochformat{grid-column:1/-1}
}
.lightbox{position:fixed;inset:0;background:rgba(11,30,50,.85);display:none;align-items:center;justify-content:center;padding:16px;z-index:100}
.lightbox.offen{display:flex}
.lightbox img{width:100%;max-width:720px;border-radius:12px;background:#fff}
.lb-zu{position:absolute;top:12px;right:14px;width:44px;height:44px;border-radius:50%;border:0;background:#fff;color:var(--navy);font-size:28px;line-height:1;cursor:pointer}
.check{display:flex;gap:10px;align-items:flex-start;margin:10px 0;font-size:15px}
.check input{margin-top:4px;flex:0 0 auto;width:18px;height:18px}
.fehlertext{color:#c0392b;font-weight:600;display:none;margin-top:10px}
.bestaetigung{display:none;background:#fff;border-radius:var(--radius);box-shadow:var(--schatten);padding:30px;border-top:6px solid var(--ok)}
.bestaetigung h3{color:var(--ok);margin-top:0;font-size:24px}
.bank{background:var(--bg-2);border-radius:var(--radius);padding:16px 20px;margin:16px 0}
.bank div{display:flex;gap:10px;flex-wrap:wrap}
.bank b{min-width:150px;display:inline-block}

/* FAQ */
details{background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:14px 18px;margin-bottom:10px}
summary{font-weight:700;color:var(--navy);cursor:pointer}
details p{margin:10px 0 0}

/* Fuß */
footer{background:var(--navy);color:#dbe8f2;padding:40px 0 26px;font-size:15px}
footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}
footer a{color:#fff}
footer h4{color:#fff;margin:0 0 8px}
footer .unten{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.2);padding-top:14px;font-size:13px}
@media(max-width:700px){footer .wrap{grid-template-columns:1fr}}

/* Rechtsseiten */
.recht{max-width:820px;margin:0 auto;padding:40px 20px 70px}
.recht h1{color:var(--navy)}
.platzhalter{background:#fff3cd;border:1px solid #f0d58a;border-radius:8px;padding:12px 16px}

/* Steuerhinweis, Schritt-Tipp */
.preis .steuer{font-size:12px;color:var(--grau);margin-top:2px}
.schritt .tipp{font-size:14px;color:var(--navy);background:var(--hell-2);border-radius:8px;padding:8px 10px;margin:10px 0 0}

/* B2B-Seite für Sachverständige */
.b2b-nav{display:flex;align-items:center;gap:14px}
.b2b-nav a{margin-left:0}
.sprachen{display:inline-flex;border:1px solid var(--linie);border-radius:999px;overflow:hidden}
.sprachen a{padding:6px 10px;font-size:14px;text-decoration:none;color:var(--navy);font-weight:700;margin:0!important}
.sprachen a.aktiv{background:var(--navy);color:#fff}
@media(max-width:820px){.b2b-nav a.btn{display:none}.b2b-nav .sprachen a{display:inline-block!important}}
.b2b-hero .b2b-wrap{display:block;max-width:900px}
.b2b-intro{font-size:19px;color:var(--text);margin:0 0 24px}
.schritt.b2b .inhalt{padding:22px}
.schritt.b2b p{margin:0;font-size:17px}
.b2b-zwei{grid-template-columns:1fr 1fr;margin-top:18px}
@media(max-width:820px){.b2b-zwei{grid-template-columns:1fr}}
.kontaktblock{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px 28px;text-align:center}
.kontaktblock h2{color:#fff}
.kontaktblock .btn.gross{background:#fff;color:var(--navy)!important;font-size:26px;padding:16px 30px;margin:8px 0 14px}
.kontaktblock .mail,.kontaktblock .mail a{color:#dbe8f2}

.b2b-text{max-width:820px}
.b2b-text p{font-size:18px;line-height:1.65;margin:0 0 16px}
.b2b-hero .haken{margin-bottom:26px}
.kontaktblock .btn.gross{font-size:20px}
@media(max-width:600px){.kontaktblock{padding:28px 18px}.kontaktblock .btn.gross{white-space:normal;max-width:100%;font-size:18px;padding:14px 20px}}

.recht{overflow-wrap:anywhere}.recht h2{color:var(--navy);margin-top:28px;font-size:1.2rem}.recht ol,.recht ul{padding-left:22px}.recht li p{margin:.3em 0}.recht .stand{color:#667;margin-top:-8px}mark.offen{background:#fff3cd;padding:0 3px;border-radius:3px;font-size:.92em}
/* Sprachumschalter auf allen Seiten, auch am Handy sichtbar */
nav .sprachen{margin-left:20px;vertical-align:middle}
@media(max-width:820px){nav .sprachen a{display:inline-block!important}nav .sprachen{margin-left:0}header.top nav{display:flex;align-items:center;gap:10px}nav a.btn{margin-left:0}}
@media(max-width:420px){header.top img{height:36px}header.top .wrap{gap:8px}nav .sprachen a{padding:5px 8px;font-size:13px}nav a.btn{padding:9px 12px;font-size:14px}}
.vermerk{background:#e8f5fb;border:1px solid #b8dff2;border-radius:8px;padding:12px 16px;margin:0 0 12px}
/* Lange Knopftexte (v. a. Bulgarisch) am Handy umbrechen statt überlaufen */
@media(max-width:600px){.btn{white-space:normal;max-width:100%;text-align:center}}
@media(max-width:480px){header.top nav a.btn{display:none}}
.recht h1{overflow-wrap:break-word;hyphens:auto}
@media(max-width:480px){.recht h1{font-size:28px}}
/* Nachrichten-Knopf unten rechts und Dialog */
.nachricht-knopf{position:fixed;right:18px;bottom:18px;z-index:30;display:flex;align-items:center;gap:8px;background:var(--navy);color:#fff;border:0;cursor:pointer;font:inherit;font-weight:700;font-size:15px;padding:12px 18px 12px 14px;border-radius:999px;box-shadow:0 6px 18px rgba(0,0,0,.25)}
.nachricht-knopf:hover{filter:brightness(1.15)}
@media(max-width:600px){.nachricht-knopf span{display:none}.nachricht-knopf{padding:14px;right:14px;bottom:14px}}
.nachricht-dialog{display:none;position:fixed;inset:0;z-index:60;background:rgba(10,25,40,.55);align-items:center;justify-content:center;padding:16px}
.nachricht-dialog.offen{display:flex}
.nd-box{position:relative;background:#fff;border-radius:14px;padding:24px 22px 20px;width:100%;max-width:460px;max-height:92vh;overflow:auto;box-shadow:0 12px 40px rgba(0,0,0,.3)}
.nd-box h3{margin:0 30px 6px 0;color:var(--navy)}
.nd-box label{display:block;font-weight:600;margin:10px 0 4px}
.nd-box input[type=text],.nd-box input[type=email],.nd-box textarea{width:100%;box-sizing:border-box;padding:10px 12px;border:1px solid var(--linie);border-radius:8px;font:inherit}
.nd-box textarea{min-height:110px;resize:vertical}
.nd-box label.check{font-weight:400;display:flex;gap:8px;align-items:flex-start}
.nd-box .btn{margin-top:12px;width:100%}
.nd-zu{position:absolute;top:10px;right:12px;background:none;border:0;font-size:28px;line-height:1;cursor:pointer;color:var(--navy)}
.nd-falle{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.nd-danke{background:#e8f5ea;border:1px solid #9fd3a8;border-radius:8px;padding:12px 14px;margin-top:8px}
@media print{.nachricht-knopf,.nachricht-dialog{display:none!important}}

/* Schadenarten */
.schadenarten{margin:26px 0 30px}
.schadenarten h3{color:var(--navy);margin:0 0 10px}
.schadenarten ul{list-style:none;padding:0;margin:0 0 10px;display:flex;flex-wrap:wrap;gap:8px}
.schadenarten li{background:#fff;border:1px solid var(--linie);border-radius:999px;padding:7px 14px;font-weight:600;color:var(--navy);font-size:15px}

/* dezenter Link zur B2B-Seite im Kopf */
nav a.b2b-link{font-weight:500;color:#5b6875;font-size:14px;border-left:1px solid var(--linie);padding-left:16px}
nav a.b2b-link:hover{color:var(--navy)}

/* B2B-Seite: gleiche Kopfleiste wie Kundenseite, aktiver Reiter */
nav a.b2b-link.aktiv{color:var(--navy);font-weight:700}
.b2b-hero .hero-bild img{aspect-ratio:3/2;object-fit:cover}