/* ═══════════════════════════════════════════════════════════════════════════
   loyergaranti.lu — Stylesheet
   Farben aus dem Logo: Navy des Schilds, Rot des Dachs, Blau der Endung .lu
   ═══════════════════════════════════════════════════════════════════════════ */

:root{
  --ink:#0B1730;
  --navy:#122C56;
  --red:#B60606;
  --red-dark:#8E0404;
  --blue:#0843A0;
  --wash:#EAEEF6;
  --paper:#F6F7FA;
  --white:#FFFFFF;
  --mid:#5A6480;
  --line:#DBE1EC;
  --ok:#136B4A;

  --wrap:1160px;
  --sec:clamp(3.5rem,8vw,6rem);
  --r:5px;

  --disp:'Archivo','Helvetica Neue',Arial,sans-serif;
  --body:'Manrope','Helvetica Neue',Arial,sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,monospace;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;min-width:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;overflow-x:clip}
[id]{scroll-margin-top:86px}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}
}
body{font-family:var(--body);font-size:1rem;line-height:1.65;color:var(--ink);
  background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
:focus-visible{outline:2px solid var(--red);outline-offset:3px;border-radius:2px}
h1,h2,h3,h4,p,li,dd,label,summary{overflow-wrap:break-word}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;
  padding-inline:max(clamp(1rem,4vw,2rem), env(safe-area-inset-left), env(safe-area-inset-right))}
.skip{position:absolute;left:-9999px}
.skip:focus{left:1rem;top:1rem;z-index:200;background:var(--ink);color:#fff;padding:.7rem 1rem;border-radius:var(--r)}

/* ─── Typografie ────────────────────────────────────────────────────────── */
h1,h2,h3,h4{font-family:var(--disp);font-weight:700;line-height:1.1;letter-spacing:-.02em}
h1{font-size:clamp(2.3rem,5.6vw,4.1rem);letter-spacing:-.032em}
h2{font-size:clamp(1.7rem,3.6vw,2.5rem)}
h3{font-size:clamp(1.1rem,1.8vw,1.3rem);line-height:1.25}
.lede{font-size:clamp(1rem,1.4vw,1.13rem);color:var(--mid);max-width:62ch}
.eyebrow{font-family:var(--mono);font-size:.7rem;font-weight:500;letter-spacing:.17em;
  text-transform:uppercase;color:var(--red);display:block;margin-bottom:.9rem}

/* ─── Kopfleiste ────────────────────────────────────────────────────────── */
.top{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:1.3rem;min-height:72px}
.brand{display:flex;align-items:center;gap:.62rem;text-decoration:none;line-height:0;flex:0 0 auto}
.brand-mark{width:36px;height:auto;max-width:36px;display:block;flex:0 0 auto}
.brand-word{width:206px;height:auto;max-width:100%;display:block}
@media(max-width:1060px){.brand-word{width:180px}}
@media(max-width:470px){.brand-word{display:none}.brand-mark{width:32px;max-width:32px}}
.nav{display:flex;align-items:center;gap:1.5rem;margin-left:auto}
.nav a{font-size:.87rem;font-weight:600;text-decoration:none;color:var(--ink);padding:.3rem 0;
  border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current]{border-bottom-color:var(--red)}
.lang{display:flex;gap:.2rem;margin-left:.4rem}
.lang a{font-family:var(--mono);font-size:.68rem;letter-spacing:.08em;text-decoration:none;
  color:var(--mid);padding:.32rem .45rem;border:1px solid var(--line);border-radius:3px;line-height:1;
  border-bottom-width:1px}
.lang a.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:3px;
  padding:.55rem .75rem;font-family:var(--mono);font-size:.7rem;letter-spacing:.12em;
  text-transform:uppercase;cursor:pointer;color:var(--ink)}
@media(max-width:1020px){
  .burger{display:block}
  .nav{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;
    gap:0;padding:.4rem 0 1rem;border-bottom:1px solid var(--line);
    box-shadow:0 18px 40px rgba(11,23,48,.12);display:none;margin-left:0}
  .nav.open{display:flex}
  .nav a{padding:.9rem clamp(1rem,4vw,2rem);border-bottom:1px solid var(--line)}
  .nav a:hover,.nav a[aria-current]{border-bottom-color:var(--line);background:var(--wash)}
  .lang{margin:.9rem clamp(1rem,4vw,2rem) 0}
}

/* ─── Schaltflächen ─────────────────────────────────────────────────────── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--body);
  font-size:.92rem;font-weight:700;text-decoration:none;padding:.95rem 1.6rem;border-radius:var(--r);
  border:2px solid transparent;cursor:pointer;transition:background .18s,border-color .18s,color .18s;
  line-height:1.2;text-align:center}
.btn--pri{background:var(--red);color:#fff}
.btn--pri:hover{background:var(--red-dark)}
.btn--nav{background:var(--navy);color:#fff}
.btn--nav:hover{background:var(--ink)}
.btn--gho{border-color:var(--line);color:var(--ink);background:#fff}
.btn--gho:hover{border-color:var(--ink)}
.btn--light{background:#fff;color:var(--navy)}
.btn--light:hover{background:var(--wash)}
.btn--wide{width:100%}
@media(max-width:480px){
  .hero-actions,.band .row,.check-foot{width:100%}
  .hero-actions .btn,.band .row .btn,.check-foot .btn{flex:1 1 100%;width:100%}
}

/* ─── Hero ──────────────────────────────────────────────────────────────── */
.hero{padding:clamp(2.4rem,6vw,4.2rem) 0 var(--sec)}
.hero .wrap{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(1.6rem,4vw,3.2rem);align-items:center}
.hero h1{max-width:13ch}
.hero-claim{font-family:var(--disp);font-weight:700;font-size:clamp(1.15rem,2.4vw,1.7rem);
  line-height:1.2;letter-spacing:-.02em;color:var(--red);margin:1rem 0 1.2rem;
  padding-left:1rem;border-left:5px solid var(--red);max-width:24ch}
.hero .lede{margin-bottom:1.8rem}
.hero-actions{display:flex;gap:.7rem;flex-wrap:wrap}
.shot{border-radius:6px;overflow:hidden;box-shadow:0 22px 50px rgba(11,23,48,.16)}
.shot img{width:100%;aspect-ratio:4/3;object-fit:cover}
@media(max-width:920px){.hero .wrap{grid-template-columns:1fr}.shot{order:-1}
  .hero h1{max-width:none}.hero-claim{max-width:none}}

/* ─── Aufnahme-Check ────────────────────────────────────────────────────── */
.check{margin-top:clamp(1.8rem,4vw,2.6rem);background:#fff;border:1px solid var(--line);
  border-radius:6px;overflow:hidden;box-shadow:0 14px 34px rgba(11,23,48,.07)}
.check-head{padding:1.2rem 1.4rem;border-bottom:1px solid var(--line)}
.check-head h2{font-size:1.2rem}
.check-head p{font-size:.87rem;color:var(--mid);margin-top:.35rem;max-width:66ch}
.check-body{padding:1.3rem 1.4rem;display:grid;grid-template-columns:repeat(2,1fr);gap:.9rem}
@media(max-width:640px){.check-body{grid-template-columns:1fr}}
.check-out{border-top:1px solid var(--line);background:var(--wash);padding:1.3rem 1.4rem;display:none}
.check-out.on{display:block}
.sums{display:flex;gap:1.6rem;flex-wrap:wrap;margin-bottom:1rem}
.sums div{min-width:9rem}
.sums dt{font-family:var(--mono);font-size:.63rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--mid);margin-bottom:.25rem}
.sums dd{font-family:var(--disp);font-weight:700;font-size:1.35rem;line-height:1.1}
.tests{display:grid;gap:.5rem;margin-bottom:1rem}
.test{display:flex;align-items:flex-start;gap:.6rem;font-size:.92rem;font-weight:600}
.test svg{width:18px;height:18px;flex:0 0 auto;margin-top:.17rem}
.test--ok{color:var(--ok)} .test--no{color:var(--red)} .test--warn{color:#8A5B00}
.verdict{font-size:.93rem;line-height:1.6;color:var(--ink);background:#fff;border:1px solid var(--line);
  border-left:5px solid var(--navy);border-radius:var(--r);padding:.9rem 1.05rem;margin-bottom:1rem}
.check-foot{display:flex;gap:.8rem;align-items:center;flex-wrap:wrap}
.check-note{font-size:.77rem;color:var(--mid);margin-top:.8rem}

/* ─── Abschnitte ────────────────────────────────────────────────────────── */
.sec{padding:var(--sec) 0}
.sec--tint{background:#fff;border-block:1px solid var(--line)}
.sec--deep{background:var(--navy);color:#fff}
.sec--deep h2,.sec--deep h3{color:#fff}
.sec-head{max-width:64ch;margin-bottom:clamp(2rem,4vw,3rem)}
.sec-head h2{margin-bottom:.8rem}

.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.trust div{background:#fff;padding:1.6rem 1.4rem}
.trust h3{font-size:1.02rem;margin-bottom:.45rem}
.trust p{font-size:.88rem;color:var(--mid)}
@media(max-width:820px){.trust{grid-template-columns:1fr}}

/* Hinweis auf den Versicherer */
.partner{display:flex;align-items:center;gap:clamp(1.1rem,3vw,2.2rem);flex-wrap:wrap}
.partner > img{width:142px;height:auto;max-width:142px;flex:0 0 auto}
.partner-label{display:block;font-family:var(--mono);font-size:.65rem;letter-spacing:.15em;
  text-transform:uppercase;color:var(--mid);margin-bottom:.3rem}
.partner p{font-size:.93rem;color:var(--ink);max-width:60ch}
@media(max-width:560px){.partner > img{width:124px;max-width:124px}.partner p{font-size:.88rem}}

.foot-ins{display:flex;align-items:center;gap:.8rem;margin-top:1.2rem;
  padding-top:1rem;border-top:1px solid var(--line);max-width:54ch}
.foot-ins span{font-family:var(--mono);font-size:.63rem;letter-spacing:.15em;
  text-transform:uppercase;color:var(--mid)}
.foot-ins img{width:112px;height:auto;max-width:112px}

.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:1.1rem}
@media(max-width:760px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.7rem 1.5rem;
  display:flex;flex-direction:column;gap:.6rem}
.card .ico{width:30px;height:30px;color:var(--red);margin-bottom:.4rem}
.card p{font-size:.92rem;color:var(--mid)}

/* Zeitleiste */
.steps{display:grid;gap:0;counter-reset:s}
.step{display:grid;grid-template-columns:7.5rem 1fr;gap:1.2rem;padding:1.4rem 0;
  border-top:1px solid rgba(255,255,255,.2)}
.step:last-child{border-bottom:1px solid rgba(255,255,255,.2)}
.step-d{font-family:var(--mono);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;
  color:#F0A0A0;padding-top:.2rem}
.step h3{font-size:1.05rem;margin-bottom:.3rem}
.step p{font-size:.9rem;color:rgba(255,255,255,.8)}
@media(max-width:620px){.step{grid-template-columns:1fr;gap:.4rem}}
.warn{margin-top:1.6rem;padding:1rem 1.15rem;border-radius:var(--r);
  background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.22);
  font-size:.9rem;color:#fff}

/* Voraussetzungen */
.reqs{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
@media(max-width:900px){.reqs{grid-template-columns:1fr}}
.req{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.6rem 1.4rem}
.req h3{margin-bottom:.9rem;padding-bottom:.6rem;border-bottom:2px solid var(--red)}
.req ul{list-style:none;display:grid;gap:.65rem}
.req li{position:relative;padding-left:1.5rem;font-size:.9rem;color:var(--mid)}
.req li::before{content:"";position:absolute;left:0;top:.55em;width:8px;height:8px;
  border:2px solid var(--red);border-radius:50%}
.excl{margin-top:1.4rem;padding:1.1rem 1.25rem;background:var(--wash);border-radius:var(--r);
  border-left:5px solid var(--navy)}
.excl h3{font-size:.95rem;margin-bottom:.35rem}
.excl p{font-size:.89rem;color:var(--mid)}

/* FAQ */
.faq{max-width:840px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:1.1rem 2rem 1.1rem 0;position:relative;
  font-family:var(--disp);font-weight:700;font-size:1rem;letter-spacing:-.01em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:.2rem;top:50%;transform:translateY(-50%);
  font-family:var(--mono);color:var(--red);font-size:1.2rem}
.faq details[open] summary::after{content:"–"}
.faq p{padding:0 2rem 1.2rem 0;color:var(--mid);font-size:.93rem;max-width:72ch}
@media(max-width:560px){.faq p{padding-right:0}.faq summary{padding-right:1.8rem}}

/* Aufforderungsband */
.band{background:var(--red);color:#fff;border-radius:var(--r);padding:clamp(2rem,5vw,3.2rem);
  display:grid;grid-template-columns:1fr auto;gap:1.6rem;align-items:center}
@media(max-width:780px){.band{grid-template-columns:1fr}}
.band h2{color:#fff;margin-bottom:.5rem}
.band p{color:rgba(255,255,255,.88)}
.band .row{display:flex;gap:.7rem;flex-wrap:wrap}

/* ─── Inhaltsseiten ─────────────────────────────────────────────────────── */
.page{padding:clamp(2.2rem,5vw,3.4rem) 0 var(--sec)}
.crumb{font-family:var(--mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--mid);margin-bottom:1.1rem}
.crumb a{color:var(--mid);text-decoration:none}
.crumb a:hover{color:var(--red)}
.prose{max-width:72ch}
.prose h2{margin:2.4rem 0 .9rem;font-size:clamp(1.25rem,2.2vw,1.6rem)}
.prose h3{margin:1.6rem 0 .5rem}
.prose p{margin-bottom:1rem;color:var(--mid)}
.prose ul{margin:0 0 1.2rem;list-style:none}
.prose li{position:relative;padding-left:1.5rem;margin-bottom:.5rem;color:var(--mid)}
.prose li::before{content:"";position:absolute;left:0;top:.62em;width:7px;height:7px;
  border:2px solid var(--red);border-radius:50%}
.prose strong{color:var(--ink)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.4rem,4vw,3rem)}
@media(max-width:840px){.split{grid-template-columns:1fr}}

/* ─── Formular ──────────────────────────────────────────────────────────── */
.form{background:#fff;border:1px solid var(--line);border-radius:6px;padding:clamp(1.2rem,3vw,2.2rem)}
.fset{border:0;margin:0 0 2rem}
.fset:last-of-type{margin-bottom:1.2rem}
.fset legend{font-family:var(--mono);font-size:.69rem;font-weight:500;letter-spacing:.16em;
  text-transform:uppercase;color:var(--red);padding-bottom:.55rem;margin-bottom:1.15rem;
  border-bottom:2px solid var(--red);width:100%}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:.95rem}
@media(max-width:660px){.fgrid{grid-template-columns:1fr}}
.fld{display:flex;flex-direction:column;gap:.35rem}
.fld--full{grid-column:1/-1}
.fld label,.flabel{font-size:.85rem;font-weight:600}
.req-star{color:var(--red)}
.hint{font-size:.77rem;color:var(--mid);line-height:1.45}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=number],
select,textarea{width:100%;font-family:var(--body);font-size:.93rem;color:var(--ink);background:#fff;
  border:1px solid var(--line);border-radius:var(--r);padding:.75rem .8rem}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(18,44,86,.13)}
textarea{min-height:120px;resize:vertical}
input[type=file]{width:100%;font-size:.83rem;padding:.75rem;border:1px dashed var(--line);
  border-radius:var(--r);background:var(--paper)}
@supports(-webkit-touch-callout:none){input,select,textarea{font-size:16px}}
.readonly{background:var(--wash);font-weight:700}

.chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chip{flex:1 1 auto;min-width:150px}
@media(max-width:400px){.chip{min-width:100%}}
.chip input{position:absolute;opacity:0;width:0;height:0}
.chip span{display:block;text-align:center;font-size:.87rem;padding:.7rem .7rem;border:1px solid var(--line);
  border-radius:var(--r);background:#fff;cursor:pointer;transition:.15s}
.chip input:checked + span{border-color:var(--red);background:#FDF1F1;color:var(--red-dark);font-weight:700}
.chip input:focus-visible + span{outline:2px solid var(--red);outline-offset:2px}

.covers{display:grid;grid-template-columns:repeat(2,1fr);gap:.6rem}
@media(max-width:660px){.covers{grid-template-columns:1fr}}
.cover input{position:absolute;opacity:0;width:0;height:0}
.cover span{display:block;font-size:.9rem;font-weight:600;padding:.85rem .95rem;border:1px solid var(--line);
  border-radius:var(--r);background:#fff;cursor:pointer;transition:.15s;height:100%}
.cover input:checked + span{border-color:var(--red);background:#FDF1F1}
.cover small{display:block;font-weight:400;font-size:.77rem;color:var(--mid);margin-top:.25rem}

.consent{display:flex;gap:.7rem;align-items:flex-start;font-size:.82rem;color:var(--mid);
  line-height:1.5;margin-top:1.3rem}
.consent input{width:19px;height:19px;flex:0 0 auto;margin-top:.15rem;accent-color:var(--red)}
.cap{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap;margin-top:1.1rem}
.cap input{width:100px}
.after{text-align:center;font-size:.82rem;color:var(--mid);margin-top:.8rem}
.alert{padding:.95rem 1.1rem;border-radius:var(--r);font-size:.88rem;margin-bottom:1.3rem;
  background:#FDF1F1;border:1px solid #EFB9B9;color:#8A1010}
.done{background:#fff;border:1px solid var(--line);border-radius:6px;padding:clamp(2.2rem,6vw,3.6rem);
  text-align:center;max-width:660px;margin-inline:auto}
.done .tick{width:54px;height:54px;color:var(--ok);margin:0 auto 1.1rem}
.done p{color:var(--mid);margin:.8rem auto 1.8rem;max-width:48ch}
.only{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--mono);font-size:.68rem;
  letter-spacing:.14em;text-transform:uppercase;color:var(--red);background:#FDF1F1;
  border:1px solid #EFC4C4;border-radius:99px;padding:.4rem .85rem;margin-bottom:1rem}

/* ─── Fußzeile ──────────────────────────────────────────────────────────── */
.foot{background:#fff;border-top:1px solid var(--line);color:var(--mid);
  padding:clamp(2.6rem,6vw,4rem) 0 2rem;font-size:.87rem}
.foot a{color:var(--mid);text-decoration:none}
.foot a:hover{color:var(--red)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:2rem}
@media(max-width:1020px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.foot-grid{grid-template-columns:1fr}}
.foot h4{font-family:var(--mono);font-size:.67rem;font-weight:500;letter-spacing:.16em;
  text-transform:uppercase;color:var(--red);margin-bottom:.9rem}
.foot ul{list-style:none;display:grid;gap:.5rem}
.foot-brand{display:inline-flex;align-items:center;gap:.7rem;margin-bottom:1.1rem;text-decoration:none}
.foot-mark{flex:0 0 auto;width:42px;height:auto;max-width:42px}
.foot-word{width:230px;height:auto;max-width:100%}
@media(max-width:600px){.foot-word{width:200px}.foot-mark{width:38px;max-width:38px}}
.foot-note{font-size:.79rem;line-height:1.6;color:var(--mid);max-width:54ch}
.foot-base{margin-top:2.4rem;padding-top:1.3rem;border-top:1px solid var(--line);
  display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.77rem;color:var(--mid)}

/* ─── kleine Schirme und Beruehrungsbedienung ───────────────────────────── */
@media(max-width:560px){
  :root{--sec:clamp(2.6rem,9vw,3.4rem)}
  .check-body,.check-out,.check-head{padding-inline:1.05rem}
  .form{padding:1.15rem}
  .band{padding:1.6rem 1.3rem}
  .done{padding:2rem 1.2rem}
  .trust div,.req,.card{padding:1.3rem 1.15rem}
}
/* Zwischengroesse */
@media(max-width:760px){
  .sec-head{margin-bottom:1.8rem}
  .fset{margin-bottom:1.6rem}
  .prose section{padding-bottom:1.4rem!important}
}

/* sehr schmale Geraete */
@media(max-width:380px){
  .lang a{padding:.3rem .36rem;font-size:.63rem}
  .btn{padding:.85rem 1.1rem;font-size:.87rem}
  .cap{gap:.5rem}
  .cap input{width:80px}
  .faq summary{font-size:.93rem;padding-right:1.7rem}
  .sums{gap:1rem}
  .sums dd{font-size:1.2rem}
  .verdict{font-size:.88rem;padding:.8rem .9rem}
  .foot-brand{gap:.6rem}
}

@media(pointer:coarse){
  .btn,.nav a,.lang a,.faq summary{min-height:44px}
  .btn{display:inline-flex;align-items:center;justify-content:center}
  .nav a{display:flex;align-items:center}
  .chip span,.cover span{min-height:46px;display:flex;align-items:center;justify-content:center}
  .cover span{flex-direction:column;align-items:flex-start;justify-content:center}
}
@media(max-height:460px) and (orientation:landscape){
  .top{position:static}
  [id]{scroll-margin-top:12px}
}
@media(min-width:1500px){:root{--wrap:1240px}}
@media print{.top,.foot,.band,.hero-actions{display:none}body{background:#fff}}