/* ============ Finanz-Roadmap – Design Tokens ============ */
:root{
  color-scheme:light;
  --bg:#f3f5f8; --surface:#ffffff; --surface-2:#eef2f6; --surface-3:#e4e9f0;
  --ink:#0f172a; --ink-2:#475569; --muted:#8a94a6; --line:#e2e7ee; --grid:#e8ecf2;
  --brand:#0b3a5c; --brand-2:#134b74; --brand-soft:#e6eef6;
  --accent:#0f9d75; --accent-2:#0b7d5d; --accent-soft:#e1f5ee;
  --gold:#c98500; --gold-soft:#fdf3d8;
  --danger:#d03b3b; --danger-soft:#fbe5e5;
  --info:#2a78d6; --info-soft:#e3eefb;
  --s1:#2a78d6; --s2:#eb6834; --s3:#1baf7a; --s4:#eda100; --s5:#e87ba4; --s6:#4a3aa7;
  --radius:16px; --radius-s:10px;
  --shadow:0 1px 2px rgba(15,23,42,.04),0 10px 30px -14px rgba(15,23,42,.18);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
[data-theme="dark"]{
  color-scheme:dark;
  --bg:#0d1117; --surface:#161b23; --surface-2:#1d2430; --surface-3:#273040;
  --ink:#f1f5f9; --ink-2:#b6c0cf; --muted:#7c8799; --line:#293242; --grid:#232b39;
  --brand:#1c5d8c; --brand-2:#2a78d6; --brand-soft:#15263a;
  --accent:#22b98a; --accent-2:#3ccf9f; --accent-soft:#11302a;
  --gold:#e5ad2a; --gold-soft:#3a2f10;
  --danger:#e66767; --danger-soft:#3b1d1d;
  --info:#3987e5; --info-soft:#172a44;
  --s1:#3987e5; --s2:#d95926; --s3:#199e70; --s4:#c98500; --s5:#d55181; --s6:#9085e9;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px -14px rgba(0,0,0,.6);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-size:15.5px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--brand-2);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,3.6vw,2.8rem);font-weight:800}
h2{font-size:clamp(1.35rem,2.4vw,1.75rem);font-weight:750}
h3{font-size:1.1rem;font-weight:700}
p{margin:0 0 1em}
small,.small{font-size:.86rem;color:var(--ink-2)}
.muted{color:var(--muted)}
strong{font-weight:650}
code{background:var(--surface-2);padding:.1em .4em;border-radius:6px;font-size:.9em}
hr{border:0;border-top:1px solid var(--line);margin:2rem 0}
button{font-family:inherit}

.container{max-width:1160px;margin:0 auto;padding:0 clamp(16px,3vw,32px)}
.narrow{max-width:820px}

/* ============ Header ============ */
.site-header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--surface) 86%,transparent);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.site-header .container{display:flex;align-items:center;gap:1rem;height:64px}
.logo{display:flex;align-items:center;gap:.6rem;font-weight:800;color:var(--ink);letter-spacing:-.02em;white-space:nowrap}
.logo:hover{text-decoration:none}
.logo .mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--brand),var(--accent));display:grid;place-items:center;color:#fff;font-size:1rem}
.phase-nav{display:flex;gap:.15rem;margin-left:auto;overflow-x:auto;scrollbar-width:none}
.phase-nav::-webkit-scrollbar{display:none}
.phase-nav a{display:flex;align-items:center;gap:.4rem;padding:.45rem .7rem;border-radius:999px;color:var(--ink-2);font-size:.86rem;font-weight:600;white-space:nowrap}
.phase-nav a:hover{background:var(--surface-2);text-decoration:none;color:var(--ink)}
.phase-nav a.active{background:var(--brand);color:#fff}
.phase-nav a .n{display:inline-grid;place-items:center;width:20px;height:20px;border-radius:50%;background:var(--surface-3);font-size:.72rem;color:var(--ink)}
.phase-nav a.active .n{background:rgba(255,255,255,.22);color:#fff}
.icon-btn{border:1px solid var(--line);background:var(--surface);color:var(--ink);width:38px;height:38px;border-radius:10px;cursor:pointer;display:grid;place-items:center;font-size:1rem;flex:none}
.icon-btn:hover{background:var(--surface-2)}
.menu-btn{display:none}
@media (max-width:900px){
  .phase-nav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--surface);border-bottom:1px solid var(--line);flex-direction:column;padding:.6rem;gap:.2rem}
  .phase-nav.open{display:flex}
  .menu-btn{display:grid;margin-left:auto}
}

/* ============ Hero / sections ============ */
.hero{padding:clamp(2rem,6vw,4.5rem) 0 2rem}
.hero .eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-2);margin-bottom:.8rem}
.hero .lead{font-size:1.15rem;color:var(--ink-2);max-width:700px}
.phase-hero{display:grid;grid-template-columns:1.3fr 1fr;gap:2rem;align-items:center}
@media (max-width:820px){.phase-hero{grid-template-columns:1fr}}
.phase-badge{display:inline-flex;align-items:center;gap:.6rem;background:var(--surface);border:1px solid var(--line);padding:.4rem .8rem .4rem .5rem;border-radius:999px;font-weight:700;font-size:.9rem;margin-bottom:1rem}
.phase-badge .n{width:26px;height:26px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-size:.8rem}
.section{padding:2.2rem 0}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:1rem;margin-bottom:1.2rem;flex-wrap:wrap}
.section-head p{margin:0;color:var(--ink-2);max-width:640px}

/* ============ Cards / grid ============ */
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow)}
.card.flat{box-shadow:none}
.card h3{margin-top:0}
.grid{display:grid;gap:1.1rem}
.grid.c2{grid-template-columns:repeat(2,1fr)}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c4{grid-template-columns:repeat(4,1fr)}
@media (max-width:1000px){.grid.c4{grid-template-columns:repeat(2,1fr)}.grid.c3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid.c2,.grid.c3,.grid.c4{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:340px 1fr;gap:1.4rem;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* ============ Stat tiles ============ */
.stat{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-s);padding:1rem 1.1rem}
.stat .label{font-size:.82rem;color:var(--ink-2);margin-bottom:.25rem}
.stat .value{font-size:1.55rem;font-weight:750;letter-spacing:-.02em}
.stat .value.small{font-size:1.2rem}
.stat .delta{font-size:.82rem;color:var(--muted);margin-top:.15rem}
.stat.good .value{color:var(--accent-2)}
.stat.bad .value{color:var(--danger)}
.hero-number{font-size:clamp(2.2rem,5vw,3.2rem);font-weight:800;letter-spacing:-.03em;line-height:1}

/* ============ Callouts ============ */
.callout{border-radius:var(--radius-s);padding:1rem 1.1rem 1rem 3.1rem;position:relative;border:1px solid var(--line);background:var(--surface);margin:1rem 0}
.callout::before{position:absolute;left:1rem;top:.95rem;font-size:1.25rem}
.callout .ttl{font-weight:750;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:.25rem}
.callout p:last-child{margin-bottom:0}
.callout.stolperstein{background:var(--danger-soft);border-color:color-mix(in srgb,var(--danger) 30%,transparent)}
.callout.stolperstein::before{content:"⚠️"}
.callout.stolperstein .ttl{color:var(--danger)}
.callout.bonus{background:var(--gold-soft);border-color:color-mix(in srgb,var(--gold) 40%,transparent)}
.callout.bonus::before{content:"⭐"}
.callout.bonus .ttl{color:var(--gold)}
.callout.wissen{background:var(--info-soft);border-color:color-mix(in srgb,var(--info) 30%,transparent)}
.callout.wissen::before{content:"💡"}
.callout.wissen .ttl{color:var(--info)}
.callout.tipp{background:var(--accent-soft);border-color:color-mix(in srgb,var(--accent) 35%,transparent)}
.callout.tipp::before{content:"✅"}
.callout.tipp .ttl{color:var(--accent-2)}

/* ============ Widgets / controls ============ */
.widget{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.widget-head{padding:1.1rem 1.4rem;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:.8rem;flex-wrap:wrap}
.widget-head h3{margin:0;font-size:1.05rem}
.widget-head .tag{margin-left:auto}
.widget-body{padding:1.3rem 1.4rem}
.controls{display:grid;gap:.9rem}
.controls.c2{grid-template-columns:1fr 1fr}
@media (max-width:640px){.controls.c2{grid-template-columns:1fr}}
.ctl label{display:flex;justify-content:space-between;align-items:baseline;font-size:.86rem;font-weight:600;color:var(--ink-2);margin-bottom:.3rem;gap:.5rem}
.ctl label output{font-weight:750;color:var(--ink);font-variant-numeric:tabular-nums}
.ctl input[type=range]{width:100%;accent-color:var(--accent);margin:0;height:28px}
.ctl input[type=number],.ctl select,.ctl input[type=text]{width:100%;padding:.55rem .7rem;border:1px solid var(--line);border-radius:8px;background:var(--surface-2);color:var(--ink);font:inherit;font-size:.95rem}
.ctl .hint{font-size:.78rem;color:var(--muted);margin-top:.2rem}
.seg{display:inline-flex;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface-2)}
.seg button{border:0;background:transparent;padding:.5rem .9rem;font-weight:600;font-size:.86rem;color:var(--ink-2);cursor:pointer}
.seg button.active{background:var(--brand);color:#fff}
.toggle{display:flex;align-items:center;gap:.6rem;font-size:.9rem;font-weight:600;cursor:pointer;padding:.5rem .6rem;border-radius:8px;border:1px solid var(--line);background:var(--surface-2)}
.toggle input{accent-color:var(--accent);width:18px;height:18px;margin:0}
.results{display:grid;gap:.8rem;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));margin-top:1.1rem}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.65rem 1.1rem;border-radius:10px;border:1px solid var(--line);background:var(--surface);color:var(--ink);font-weight:650;font-size:.92rem;cursor:pointer}
.btn:hover{background:var(--surface-2);text-decoration:none}
.btn.primary{background:var(--brand);border-color:var(--brand);color:#fff}
.btn.primary:hover{background:var(--brand-2)}
.btn.accent{background:var(--accent);border-color:var(--accent);color:#fff}
.btn.sm{padding:.4rem .75rem;font-size:.82rem}
.tag{display:inline-flex;align-items:center;gap:.3rem;padding:.2rem .6rem;border-radius:999px;font-size:.74rem;font-weight:700;letter-spacing:.03em;background:var(--surface-2);color:var(--ink-2)}
.tag.accent{background:var(--accent-soft);color:var(--accent-2)}
.tag.gold{background:var(--gold-soft);color:var(--gold)}
.tag.danger{background:var(--danger-soft);color:var(--danger)}
.tag.info{background:var(--info-soft);color:var(--info)}

/* meter */
.meter{height:10px;border-radius:999px;background:color-mix(in srgb,var(--accent) 18%,var(--surface-2));overflow:hidden}
.meter > i{display:block;height:100%;background:var(--accent);border-radius:999px;transition:width .35s ease}
.meter.gold{background:color-mix(in srgb,var(--gold) 20%,var(--surface-2))}.meter.gold>i{background:var(--gold)}
.meter.danger{background:color-mix(in srgb,var(--danger) 20%,var(--surface-2))}.meter.danger>i{background:var(--danger)}

/* ============ Tables ============ */
.table{width:100%;border-collapse:collapse;font-size:.9rem}
.table th,.table td{padding:.55rem .7rem;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.table th{font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:700}
.table td.num,.table th.num{text-align:right;font-variant-numeric:tabular-nums}
.table tr.total td{font-weight:750;border-top:2px solid var(--line)}
.table-wrap{overflow-x:auto}

/* ============ Charts ============ */
.chart{position:relative;width:100%}
.chart svg{display:block;width:100%;height:auto;overflow:visible}
.chart .grid{stroke:var(--grid);stroke-width:1}
.chart .axis{stroke:var(--line);stroke-width:1}
.chart .tick{fill:var(--muted);font-size:11px;font-family:var(--font);font-variant-numeric:tabular-nums}
.chart .endlabel{fill:var(--ink-2);font-size:11.5px;font-weight:650;font-family:var(--font)}
.chart .line{fill:none;stroke-width:2;stroke-linejoin:round;stroke-linecap:round}
.chart .dot{stroke:var(--surface);stroke-width:2}
.chart .crosshair{stroke:var(--muted);stroke-width:1;stroke-dasharray:3 3}
.chart .bar{transition:opacity .15s}
.chart .bar:hover{opacity:.85}
.chart .barlabel{fill:var(--ink-2);font-size:11.5px;font-weight:650;font-family:var(--font)}
.chart .marker-line{stroke:var(--gold);stroke-width:1.5;stroke-dasharray:5 4}
.chart .marker-text{fill:var(--ink-2);font-size:11px;font-weight:650;font-family:var(--font)}
.legend{display:flex;flex-wrap:wrap;gap:.4rem 1.1rem;font-size:.82rem;color:var(--ink-2);margin-bottom:.6rem}
.legend span{display:inline-flex;align-items:center;gap:.4rem}
.legend i{width:12px;height:12px;border-radius:3px;display:inline-block}
.chart-tools{display:flex;justify-content:flex-end;margin-top:.4rem}
.chart-tools button{background:none;border:0;color:var(--muted);font-size:.78rem;cursor:pointer;padding:.2rem .4rem;font-family:inherit}
.chart-tools button:hover{color:var(--ink)}
.fr-tip{position:fixed;z-index:1000;pointer-events:none;background:var(--ink);color:var(--bg);padding:.55rem .75rem;border-radius:8px;font-size:.82rem;line-height:1.45;box-shadow:0 8px 24px rgba(0,0,0,.25);max-width:280px;display:none}
.fr-tip b{display:block;margin-bottom:.2rem}
.fr-tip i{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:.4rem;vertical-align:middle}
.fr-tip strong{font-variant-numeric:tabular-nums}

/* ============ Roadmap ============ */
.roadmap-wrap{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1rem;overflow:hidden}
.roadmap-wrap svg{width:100%;height:auto;display:block;font-family:var(--font)}
.rm-road{fill:none;stroke:var(--surface-3);stroke-width:18;stroke-linecap:round}
.rm-center{fill:none;stroke:var(--surface);stroke-width:2;stroke-dasharray:10 12;stroke-linecap:round}
.rm-progress{fill:none;stroke:var(--accent);stroke-width:18;stroke-linecap:round;opacity:.9}
.rm-station{cursor:pointer}
.rm-station circle.body{fill:var(--surface);stroke:var(--brand);stroke-width:3;transition:transform .2s}
.rm-station:hover circle.body{stroke:var(--accent)}
.rm-station circle.ring-bg{fill:none;stroke:var(--surface-3);stroke-width:4}
.rm-station circle.ring{fill:none;stroke:var(--accent);stroke-width:4;stroke-linecap:round;transform:rotate(-90deg);transform-origin:center;transform-box:fill-box}
.rm-station text.icon{font-size:22px;text-anchor:middle;dominant-baseline:central}
.rm-station text.lbl{font-size:14px;font-weight:750;fill:var(--ink);text-anchor:middle}
.rm-station text.sub{font-size:11.5px;fill:var(--muted);text-anchor:middle}
.rm-marker{cursor:pointer}
.rm-marker circle{stroke:var(--surface);stroke-width:2.5}
.rm-marker.stolperstein circle{fill:var(--danger)}
.rm-marker.bonus circle{fill:var(--gold)}
.rm-marker.wissen circle{fill:var(--info)}
.rm-marker text{font-size:13px;text-anchor:middle;dominant-baseline:central;fill:#fff;font-weight:800}
.rm-marker:hover circle{filter:brightness(1.1)}
.rm-flag{font-size:12px;fill:var(--muted);font-weight:650}
.legend-row{display:flex;gap:1.2rem;flex-wrap:wrap;font-size:.84rem;color:var(--ink-2);padding:.7rem .4rem 0}
.legend-row span{display:inline-flex;align-items:center;gap:.4rem}
.legend-row i{width:14px;height:14px;border-radius:50%;display:inline-block}

/* phase cards */
.phase-card{display:flex;flex-direction:column;gap:.6rem;position:relative;overflow:hidden}
.phase-card .top{display:flex;align-items:center;gap:.7rem}
.phase-card .num{width:38px;height:38px;border-radius:12px;background:var(--brand-soft);color:var(--brand-2);display:grid;place-items:center;font-weight:800;flex:none}
.phase-card .icon{font-size:1.5rem;margin-left:auto}
.phase-card ul{margin:0;padding-left:1.1rem;color:var(--ink-2);font-size:.9rem}
.phase-card .foot{display:flex;align-items:center;justify-content:space-between;margin-top:auto;padding-top:.6rem;font-size:.82rem;color:var(--muted)}
.phase-card:hover{border-color:var(--accent)}

/* ============ Checklist ============ */
.checklist{display:grid;gap:.4rem}
.checklist label{display:flex;gap:.7rem;align-items:flex-start;padding:.6rem .8rem;border:1px solid var(--line);border-radius:10px;background:var(--surface-2);cursor:pointer;font-size:.93rem}
.checklist label:hover{border-color:var(--accent)}
.checklist input{accent-color:var(--accent);width:18px;height:18px;margin-top:.15rem;flex:none}
.checklist label.done{opacity:.72;text-decoration:line-through}
.check-progress{display:flex;align-items:center;gap:.8rem;margin-bottom:.8rem;font-size:.86rem;color:var(--ink-2)}
.check-progress .meter{flex:1}

/* ============ Quiz ============ */
.quiz .q{font-weight:700;font-size:1.05rem;margin-bottom:.9rem}
.quiz .opts{display:grid;gap:.5rem}
.quiz .opts button{text-align:left;padding:.7rem .9rem;border-radius:10px;border:1px solid var(--line);background:var(--surface-2);color:var(--ink);cursor:pointer;font-size:.93rem}
.quiz .opts button:hover:not(:disabled){border-color:var(--brand-2)}
.quiz .opts button.correct{background:var(--accent-soft);border-color:var(--accent);font-weight:650}
.quiz .opts button.wrong{background:var(--danger-soft);border-color:var(--danger)}
.quiz .why{margin-top:.9rem;padding:.8rem .9rem;border-radius:10px;background:var(--info-soft);font-size:.9rem}
.quiz .meta{display:flex;justify-content:space-between;align-items:center;font-size:.82rem;color:var(--muted);margin-bottom:.6rem}
.quiz .foot{display:flex;justify-content:flex-end;margin-top:.9rem}
.quiz .score{text-align:center;padding:1rem 0}

/* ============ Misc ============ */
.steps{counter-reset:s;display:grid;gap:.8rem}
.steps > div{position:relative;padding-left:2.6rem}
.steps > div::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.85rem}
.pill-list{display:flex;flex-wrap:wrap;gap:.4rem}
.kv{display:grid;grid-template-columns:1fr auto;gap:.35rem 1rem;font-size:.92rem}
.kv dt{color:var(--ink-2)}.kv dd{margin:0;font-weight:650;text-align:right;font-variant-numeric:tabular-nums}
.kv .total{border-top:1px solid var(--line);padding-top:.35rem;font-weight:800}
.prev-next{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:2.5rem 0 1rem}
.prev-next a{display:block;padding:1rem 1.2rem;border:1px solid var(--line);border-radius:var(--radius-s);background:var(--surface);color:var(--ink)}
.prev-next a:hover{border-color:var(--accent);text-decoration:none}
.prev-next a small{display:block;color:var(--muted);margin-bottom:.2rem}
.prev-next a.next{text-align:right}
@media (max-width:640px){.prev-next{grid-template-columns:1fr}}
.site-footer{border-top:1px solid var(--line);padding:2rem 0 3rem;color:var(--muted);font-size:.82rem;margin-top:2rem}
.site-footer .container{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.disclaimer{font-size:.8rem;color:var(--muted);border-left:3px solid var(--line);padding-left:.8rem;margin-top:1.5rem}
.fact-carousel{display:flex;gap:.8rem;align-items:center}
.fact-carousel .fact{flex:1;min-height:3.4em}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.badge-row{display:flex;gap:.5rem;flex-wrap:wrap;margin:.6rem 0 0}
.diff{display:inline-block;padding:.1rem .5rem;border-radius:6px;font-size:.78rem;font-weight:700}
.diff.up{background:var(--accent-soft);color:var(--accent-2)}
.diff.down{background:var(--danger-soft);color:var(--danger)}
.tile-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.8rem}
.filterbar{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:1.2rem;align-items:center}
.filterbar input[type=search]{padding:.55rem .8rem;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--ink);font:inherit;min-width:220px}
.chip{padding:.35rem .8rem;border-radius:999px;border:1px solid var(--line);background:var(--surface);cursor:pointer;font-size:.84rem;font-weight:600;color:var(--ink-2)}
.chip.active{background:var(--brand);border-color:var(--brand);color:#fff}
.glossar dt{font-weight:750;margin-top:1rem}
.glossar dd{margin:.2rem 0 0;color:var(--ink-2)}
.severity{display:inline-flex;gap:2px}
.severity i{width:8px;height:8px;border-radius:2px;background:var(--surface-3)}
.severity i.on{background:var(--danger)}
.severity.gold i.on{background:var(--gold)}
.timeline{display:grid;gap:0}
.timeline > div{display:grid;grid-template-columns:110px 1fr;gap:1rem;padding:.7rem 0;border-bottom:1px solid var(--line)}
.timeline .t{font-weight:750;color:var(--brand-2);font-variant-numeric:tabular-nums}