/* ============================================================
   hausratversicherung.one — UI 2026 (Design Refresh)
   Wird NACH style.css geladen. Tokens zentral, Komponenten global.
   Navy #102348 · Royal #2463EB · Hellblau #EFF6FF · Text #475569 · Erfolg #059669
   ============================================================ */
:root{
  --navy:#102348; --royal:#2463EB; --royal-dark:#1b4fc4; --sky:#EFF6FF; --sky-2:#DBEAFE;
  --ink:#475569; --ok:#059669; --line:#E2E8F0;
  --blue:#2463EB; --blue-dark:#1b4fc4; --primary:#2463EB;
  --r:14px; --r-lg:20px;
  --sh:0 1px 2px rgba(16,35,72,.06),0 8px 24px rgba(16,35,72,.08);
  --focus:0 0 0 3px #fff,0 0 0 5px #2463EB;
}
body{color:var(--ink);font-size:17px;line-height:1.6}
h1,h2,h3,h4{color:var(--navy);letter-spacing:-.015em}
:focus-visible{outline:none;box-shadow:var(--focus);border-radius:8px}
.container{max-width:1200px}

/* ---------- Buttons ---------- */
.btn{min-height:48px;padding:.7rem 1.4rem;border-radius:12px;font-weight:600;font-size:1rem;display:inline-flex;align-items:center;justify-content:center;gap:.5rem}
.btn-sm{min-height:44px;padding:.55rem 1.1rem;font-size:.95rem}
.btn-primary{background:var(--royal);border-color:var(--royal);color:#fff}
.btn-primary:hover{background:var(--royal-dark);border-color:var(--royal-dark);color:#fff}
.btn-ghost{color:var(--royal);border-color:#BFD3FB;background:#fff}
.btn-ghost:hover{background:var(--sky);color:var(--royal-dark)}

/* ---------- Header ---------- */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:60}
.site-header.scrolled{box-shadow:0 6px 20px rgba(16,35,72,.08)}
.header-inner{max-width:1200px;min-height:76px;display:flex;align-items:center;gap:2rem;padding:0 1.25rem;margin:0 auto}
.site-logo{display:flex;align-items:center;gap:.55rem;color:var(--navy)}
.site-logo .logo-text{font-size:1.28rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.site-logo .logo-text em{font-style:normal;color:var(--royal)}
.nav-desktop{display:flex;align-items:center;gap:.25rem;margin-left:.5rem}
.nav-desktop .nav-link{color:var(--navy);font-weight:600;font-size:.97rem;padding:.6rem .85rem;border-radius:10px;display:inline-flex;align-items:center;gap:.35rem;background:none;border:0;cursor:pointer;min-height:44px}
.nav-desktop .nav-link:hover,.nav-desktop .nav-link.active{background:var(--sky);color:var(--royal)}
.nav-dropdown{position:relative}
.nav-dropdown-panel{display:none;position:absolute;left:50%;top:calc(100% + 10px);transform:translateX(-30%);width:min(860px,92vw);background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:0 24px 60px rgba(16,35,72,.16);padding:1.5rem;grid-template-columns:repeat(4,1fr);gap:1.25rem 1.5rem}
.nav-dropdown--open .nav-dropdown-panel{display:grid}
.mega-col h5{font-size:.74rem;text-transform:uppercase;letter-spacing:.08em;color:var(--royal);font-weight:700;margin-bottom:.5rem}
.mega-col a{display:block;padding:.4rem 0;color:var(--navy);font-weight:500;font-size:.95rem}
.mega-col a:hover{color:var(--royal)}
.mega-all{grid-column:1/-1;border-top:1px solid var(--line);padding-top:1rem;font-weight:600;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.header-search-btn{margin-left:auto;width:44px;height:44px;border-radius:12px;border:0;background:none;color:var(--navy);display:grid;place-items:center;cursor:pointer}
.header-search-btn:hover{background:var(--sky)}
.header-cta-wrap{display:block}
.burger{width:44px;height:44px}
@media(max-width:960px){.nav-desktop,.header-cta-wrap{display:none}.header-inner{min-height:64px;gap:.25rem}.header-search-btn{margin-left:auto}.site-logo{min-width:0}.site-logo .logo-text{font-size:1.05rem;white-space:nowrap}.burger{flex:none;margin-left:0}}
@media(max-width:360px){.site-logo .logo-text{font-size:.95rem}}

/* Drawer */
.drawer{background:#fff}
.drawer-acc{border-bottom:1px solid var(--line)}
.drawer-acc>summary{list-style:none;display:flex;justify-content:space-between;align-items:center;min-height:52px;padding:0 1.25rem;font-weight:700;color:var(--navy);cursor:pointer}
.drawer-acc>summary::-webkit-details-marker{display:none}
.drawer-acc[open]>summary{color:var(--royal)}
.drawer-acc a{display:block;padding:.7rem 1.25rem .7rem 2rem;color:var(--ink);min-height:44px}
.drawer-top-link{display:flex;align-items:center;min-height:52px;padding:0 1.25rem;font-weight:700;color:var(--navy);border-bottom:1px solid var(--line)}

/* ---------- Layout helpers ---------- */
.hx-wrap{max-width:1200px;margin:0 auto;padding:0 1.25rem}
.hx-sec{padding:4.5rem 0}
.hx-sec--sky{background:var(--sky)}
.hx-eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--ink)}
.hx-h2{font-size:clamp(1.65rem,3vw,2.1rem);line-height:1.2;margin:.3rem 0 .75rem}
.hx-lead{font-size:1.06rem;max-width:56ch}
.hx-more{font-weight:600;display:inline-flex;gap:.4rem;align-items:center}
@media(max-width:700px){.hx-sec{padding:3rem 0}}

/* ---------- Hero ---------- */
.hx-hero{position:relative;background:linear-gradient(100deg,#fff 0%,#fff 38%,rgba(255,255,255,.0) 62%),var(--hero-img) right center/cover no-repeat;border-bottom:1px solid var(--line)}
.hx-hero-in{max-width:1200px;margin:0 auto;padding:3.5rem 1.25rem 3rem;display:grid;grid-template-columns:minmax(0,600px) 1fr;gap:2rem;min-height:560px;align-items:start}
.hx-hero h1{font-size:clamp(2.1rem,4.6vw,3.4rem);line-height:1.08;font-weight:800;margin:.5rem 0 1rem}
.hx-hero h1 span{color:var(--royal)}
.hx-hero h1 small{display:block;font-size:.55em;font-weight:700;margin-top:.35rem}
.hx-hero p.hx-sub{font-size:1.1rem;max-width:52ch;margin-bottom:1.5rem}
.hx-form{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh);padding:1.25rem;max-width:600px}
.hx-tabs{display:flex;gap:.25rem;margin-bottom:1rem;border-bottom:1px solid var(--line)}
.hx-tab{padding:.65rem 1rem;font-weight:600;color:var(--ink);border:0;background:none;border-bottom:3px solid transparent;cursor:pointer;min-height:44px;font-size:.95rem}
.hx-tab[aria-selected=true]{color:var(--royal);border-bottom-color:var(--royal)}
.hx-fields{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:1rem;margin-bottom:1rem}
.hx-field label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:.3rem}
.hx-input{position:relative}
.hx-input input,.hx-input select{width:100%;min-height:48px;border:1px solid #CBD5E1;border-radius:12px;padding:0 3rem 0 .95rem;font:inherit;color:var(--navy);background:#fff}
.hx-input input:focus,.hx-input select:focus{border-color:var(--royal);outline:none;box-shadow:0 0 0 3px rgba(36,99,235,.2)}
.hx-input .u{position:absolute;right:.9rem;top:50%;transform:translateY(-50%);color:var(--ink);pointer-events:none;font-size:.9rem}
.hx-input[aria-invalid=true] input,.hx-input input[aria-invalid=true]{border-color:#DC2626}
.hx-err{color:#B91C1C;font-size:.82rem;margin-top:.25rem;min-height:1em}
.hx-form .btn{width:100%}
.hx-checks{display:flex;gap:1.1rem;flex-wrap:wrap;margin-top:.85rem;font-size:.86rem;color:var(--navy)}
.hx-checks span::before{content:"✓";color:var(--ok);font-weight:800;margin-right:.35rem}
.hx-hero-note{margin-top:.9rem;font-size:.9rem}
.hx-badges{position:absolute;right:1.25rem;bottom:2rem;display:grid;gap:.7rem;width:240px}
.hx-badge{background:#fff;border-radius:14px;box-shadow:var(--sh);padding:.8rem 1rem;display:flex;gap:.7rem;align-items:center;font-size:.85rem;line-height:1.3}
.hx-badge strong{display:block;color:var(--navy)}
.hx-badge svg{flex:none}
@media(max-width:960px){
  .hx-hero{background:linear-gradient(180deg,#fff 0,#fff 55%,rgba(255,255,255,.85) 100%),var(--hero-img) center/cover}
  .hx-hero-in{grid-template-columns:1fr;min-height:0;padding:2rem 1.25rem}
  .hx-badges{position:static;grid-template-columns:1fr;width:auto;max-width:600px;margin:0 1.25rem 2rem}
  .hx-hero{padding-bottom:0}
}
@media(max-width:520px){.hx-fields{grid-template-columns:1fr}.hx-tab{padding:.65rem .6rem;font-size:.88rem}}

/* ---------- Trust-Zeile ---------- */
.hx-trust{border-bottom:1px solid var(--line);background:#fff}
.hx-trust-in{max-width:1200px;margin:0 auto;padding:1.4rem 1.25rem;display:grid;grid-template-columns:repeat(5,1fr);gap:1.25rem}
.hx-trust-i{display:flex;gap:.8rem;align-items:flex-start;font-size:.88rem;line-height:1.35}
.hx-trust-i strong{display:block;color:var(--navy);font-size:.95rem}
.hx-ico{flex:none;width:44px;height:44px;border-radius:50%;background:var(--sky);display:grid;place-items:center;color:var(--royal)}
.hx-trust-i a{font-weight:600}
@media(max-width:960px){.hx-trust-in{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.hx-trust-in{grid-template-columns:1fr}}

/* ---------- 3 Schritte ---------- */
.hx-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin-top:2rem;counter-reset:s}
.hx-step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;position:relative}
.hx-step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--royal);color:#fff;font-weight:700;margin-bottom:.8rem}
.hx-step h3{font-size:1.1rem;margin-bottom:.35rem}
@media(max-width:800px){.hx-steps{grid-template-columns:1fr}}

/* ---------- Leistungen ---------- */
.hx-split{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.5fr);gap:3rem;align-items:start}
.hx-cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.hx-feat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.1rem;display:block;color:inherit;transition:box-shadow .15s,transform .15s}
a.hx-feat:hover{box-shadow:var(--sh);transform:translateY(-2px);color:inherit}
.hx-feat svg{margin-bottom:.6rem}
.hx-feat strong{display:block;color:var(--navy);font-size:1rem;margin-bottom:.2rem}
.hx-feat span{font-size:.88rem;line-height:1.45;display:block}
.hx-tag{display:inline-block;margin-top:.5rem;font-size:.72rem;font-weight:700;color:var(--royal);background:var(--sky);border-radius:999px;padding:.15rem .55rem}
@media(max-width:960px){.hx-split{grid-template-columns:1fr;gap:1.5rem}.hx-cards3{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.hx-cards3{grid-template-columns:1fr}}

/* ---------- Vergleichsvorschau ---------- */
.hx-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff;margin-top:1.5rem}
.hx-table{width:100%;border-collapse:collapse;min-width:720px;font-size:.93rem}
.hx-table th{background:var(--sky);color:var(--navy);text-align:left;padding:.8rem 1rem;font-weight:700;white-space:nowrap}
.hx-table td{padding:.8rem 1rem;border-top:1px solid var(--line)}
.hx-ill{display:inline-block;background:#FEF3C7;color:#92400E;font-size:.75rem;font-weight:700;border-radius:999px;padding:.2rem .65rem;margin-left:.5rem;vertical-align:middle}
.hx-note{font-size:.85rem;margin-top:.8rem}

/* ---------- Rechner ---------- */
.hx-calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:stretch}
.hx-calc>*{min-width:0}
.hx-input input,.hx-input select{min-width:0}
.hx-calc-img{position:relative;background:linear-gradient(180deg,#DCEBFF 0%,#F3F8FF 100%);min-height:380px;display:grid;place-items:center;padding:1.5rem}
.hx-calc-img svg{width:100%;max-width:520px;height:auto}
.hx-calc-body{background:var(--sky);padding:3rem clamp(1.25rem,4vw,3.5rem)}
.hx-calc-card{background:#fff;border-radius:var(--r);padding:1rem;margin-top:1.25rem;box-shadow:var(--sh)}
.hx-result{margin-top:1rem;padding:1rem 1.2rem;border-radius:12px;background:#fff;border:1px dashed #93B4F5;color:var(--navy)}
.hx-result b{font-size:1.5rem;color:var(--royal)}
@media(max-width:900px){.hx-calc{grid-template-columns:minmax(0,1fr)}.hx-calc-img{min-height:260px}}

/* ---------- Ratgeber-Karten ---------- */
.hx-head{display:flex;justify-content:space-between;align-items:flex-end;gap:1rem;flex-wrap:wrap;margin-bottom:1.5rem}
.hx-cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}
.hx-art{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;color:inherit;transition:box-shadow .15s,transform .15s}
.hx-art:hover{box-shadow:var(--sh);transform:translateY(-2px);color:inherit}
.hx-art-img{position:relative;aspect-ratio:16/10;background:var(--sky)}
.hx-art-img img{width:100%;height:100%;object-fit:cover}
.hx-art-cat{position:absolute;left:.7rem;top:.7rem;background:var(--navy);color:#fff;font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;font-weight:700;border-radius:6px;padding:.25rem .55rem}
.hx-art-b{padding:1rem 1.1rem 1.15rem;display:flex;flex-direction:column;gap:.4rem;flex:1}
.hx-art-b h3{font-size:1.02rem;line-height:1.3}
.hx-art-b p{font-size:.88rem;line-height:1.45}
.hx-art-meta{margin-top:auto;font-size:.78rem;color:#64748B}
@media(max-width:1000px){.hx-cards4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.hx-cards4{grid-template-columns:1fr}}

/* ---------- FAQ ---------- */
.hx-faq{display:grid;grid-template-columns:1fr 1fr;gap:0 1.5rem}
.hx-faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.75rem}
.hx-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(--navy)}
.hx-faq summary::-webkit-details-marker{display:none}
.hx-faq summary::after{content:"";flex:none;width:9px;height:9px;border-right:2px solid var(--royal);border-bottom:2px solid var(--royal);transform:rotate(45deg);transition:transform .15s}
.hx-faq details[open] summary::after{transform:rotate(-135deg)}
.hx-faq .a{padding:0 1.1rem 1rem;font-size:.95rem}
@media(max-width:800px){.hx-faq{grid-template-columns:1fr}}

/* ---------- Abschluss-CTA ---------- */
.hx-cta{background:var(--navy);color:#CBD5E1;border-radius:var(--r-lg);padding:2.5rem clamp(1.25rem,4vw,3rem);display:flex;justify-content:space-between;gap:1.5rem;align-items:center;flex-wrap:wrap}
.hx-cta h2{color:#fff;font-size:clamp(1.4rem,2.6vw,1.9rem)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#CBD5E1;border-top:0;margin-top:0}
.site-footer a{color:#CBD5E1}
.site-footer a:hover{color:#fff}
.site-footer .footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:2rem;padding-top:3.2rem;padding-bottom:2.2rem}
.site-footer h4{color:#fff;font-size:.95rem;margin-bottom:.8rem}
.site-footer ul{list-style:none}
.site-footer li{margin:.15rem 0}
.site-footer li a{display:inline-block;padding:.3rem 0;font-size:.92rem;min-height:32px}
.footer-tagline{font-size:.9rem;margin-top:.8rem;max-width:30ch}
.site-footer .logo-text{color:#fff}
.site-footer .logo-text em{color:#7FA6FF}
.footer-socket{border-top:1px solid rgba(255,255,255,.12);padding:1.1rem 0;font-size:.85rem}
.footer-socket .socket-inner{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.footer-socket .container{max-width:1200px}
.footer-disclosure{border-top:1px solid rgba(255,255,255,.12);padding:1rem 0;font-size:.82rem;color:#94A3B8}
@media(max-width:960px){.site-footer .footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}}
@media(max-width:520px){.site-footer .footer-grid{grid-template-columns:1fr}}

/* ---------- Template-weit: Artikel, Kategorien, Vergleich, Rechner ---------- */
.breadcrumb{font-size:.88rem}
.vergleich-hero,.rechner-hero,.archive-hero--v2{background:linear-gradient(135deg,#0d1b3d 0%,#102348 55%,#183a7a 100%)!important}
.vh-badge{background:rgba(255,255,255,.12)!important;color:#DBEAFE!important}
.vh-trust-pill{background:rgba(255,255,255,.1)!important;color:#fff!important;border:1px solid rgba(255,255,255,.25)!important}
.vh-stats{display:none!important}
.provider-strip{display:none!important}
.widget-card,.calc-box,.tarif-card,.post-card,.article-card,.card{border-radius:var(--r)!important;border-color:var(--line)!important}
.widget-card{box-shadow:var(--sh)}
.post-content,.article-body,.entry-content{font-size:1.06rem;line-height:1.72;color:#334155}
.post-content h2,.article-body h2,.entry-content h2{margin-top:2.2rem}
.post-content a,.article-body a,.entry-content a{color:var(--royal);text-decoration:underline;text-underline-offset:2px}
.post-content table,.article-body table,.entry-content table{display:block;overflow-x:auto;max-width:100%}
input,select,textarea{font-size:16px}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

.hx-prefill{background:var(--sky);border:1px solid var(--sky-2);border-radius:12px;padding:.9rem 1.1rem;margin:1rem 0;color:var(--navy);font-size:.95rem}
.hx-prefill span{display:block;color:var(--ink);margin-top:.2rem}

.hx-calc-fig{position:relative;max-width:520px;width:100%}
.hx-calc-fig img{width:100%;height:auto;border-radius:var(--r-lg)}
.hx-chip{position:absolute;background:#fff;color:var(--navy);font-weight:700;font-size:.8rem;border-radius:999px;padding:.35rem .8rem;box-shadow:var(--sh);border:1px solid var(--sky-2)}

.btn{white-space:normal;text-align:center;max-width:100%}

.mobile-cta-bar{display:none!important}
.drawer:not(.open){box-shadow:none}
@media(max-width:340px){.site-logo .logo-text{font-size:.82rem}.site-logo svg{width:24px;height:24px}.header-inner{padding:0 12px}}