*{box-sizing:border-box;margin:0;padding:0}:root{--navy:#1D3A52;--navy-dark:#142838;--navy-mid:#2E5170;--gold:#C8902A;--gold-light:#E8B860;--gold-pale:#F7EDD6;--gold-ultra:#FDF6E8;--white:#FFFFFF;--cream:#FAFAF8;--border:#E8E0D0;--mid:#6B7A8B;--charcoal:#1D3A52}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:'Nunito',sans-serif;background:var(--cream);color:var(--navy);line-height:1.7;overflow-x:hidden}nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgb(250 250 248 / .95);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:90px;transition:box-shadow .3s}nav.scrolled{box-shadow:0 2px 24px rgb(29 58 82 / .1)}.nav-logo img{height:52px;width:auto}.nav-tagline{font-size:.72rem;color:var(--gold);font-weight:600;letter-spacing:.04em;margin-top:-.2rem}.nav-links{display:flex;gap:2rem;list-style:none}.nav-links a{font-size:.85rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--mid);text-decoration:none;transition:color .2s}.nav-links a:hover{color:var(--gold)}.nav-cta{background:var(--gold)!important;color:white!important;padding:.55rem 1.4rem;border-radius:40px;transition:background .2s!important}.nav-cta:hover{background:var(--gold-light)!important;color:white!important}.hamburger{display:none;cursor:pointer;flex-direction:column;gap:5px}.hamburger span{width:24px;height:2px;background:var(--navy);border-radius:2px}.hero{min-height:100vh;background:linear-gradient(155deg,var(--white) 0%,var(--gold-ultra) 60%,#f0e8d4 100%);display:flex;align-items:center;padding:120px 5% 80px;position:relative;overflow:hidden}.hero::before{content:'';position:absolute;width:700px;height:700px;border-radius:50%;border:70px solid rgb(200 144 42 / .08);right:-180px;top:-120px}.hero::after{content:'';position:absolute;width:420px;height:420px;border-radius:50%;border:50px solid rgb(29 58 82 / .06);right:80px;bottom:-100px}.hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;width:100%;overflow:hidden}.hero-tag{display:inline-flex;align-items:center;gap:.5rem;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);background:var(--gold-pale);padding:.4rem 1rem;border-radius:40px;margin-bottom:1.5rem;border:1px solid rgb(200 144 42 / .2)}.hero h1{font-family:'Playfair Display',serif;font-size:clamp(2.6rem, 4.5vw, 3.8rem);font-weight:700;line-height:1.15;color:var(--navy);margin-bottom:1.5rem}.hero h1 em{font-style:italic;color:var(--gold)}.hero-tagline{font-size:1rem;color:var(--gold);font-weight:700;margin-bottom:.6rem;letter-spacing:.02em}.hero-desc{font-size:1.05rem;color:var(--mid);font-weight:400;max-width:480px;margin-bottom:2.5rem}.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;align-items:center}.btn-primary{background:var(--gold);color:#fff;padding:.9rem 2.2rem;border-radius:50px;text-decoration:none;font-size:.9rem;font-weight:700;letter-spacing:.03em;transition:all .25s;box-shadow:0 4px 20px rgb(200 144 42 / .35);display:inline-block}.btn-primary:hover{background:#b07a20;box-shadow:0 6px 28px rgb(200 144 42 / .45);transform:translateY(-1px)}.btn-secondary{color:var(--navy);text-decoration:none;font-size:.9rem;font-weight:600;padding:.9rem 1.8rem;border:2px solid var(--border);border-radius:50px;transition:all .25s;display:inline-block}.btn-secondary:hover{border-color:var(--gold);color:var(--gold)}.hero-price-badge{margin-top:2.5rem;display:inline-flex;align-items:center;gap:1rem;background:#fff;border:1.5px solid var(--border);border-radius:16px;padding:1rem 1.4rem;box-shadow:0 4px 20px rgb(29 58 82 / .08)}.hero-price-badge .amount{font-family:'Playfair Display',serif;font-size:2.6rem;font-weight:700;color:var(--gold);line-height:1}.hero-price-badge .amount sup{font-size:1.2rem}.hero-price-badge .label{font-size:.78rem;color:var(--mid);line-height:1.5}.hero-price-badge .label strong{display:block;color:var(--navy);font-weight:700;font-size:.85rem}.hero-visual{position:relative;z-index:1;overflow:hidden;isolation:isolate}.hero-card{background:#fff;border-radius:24px;overflow:hidden;box-shadow:0 20px 60px rgb(29 58 82 / .12);border:1px solid var(--border);transform:translateZ(0);will-change:transform;isolation:isolate;contain:paint}.hero-card-img{width:100%;height:260px;background:linear-gradient(135deg,var(--gold-pale) 0%,var(--gold-ultra) 50%,#efe3c8 100%);display:flex;align-items:center;justify-content:center;font-size:5rem;animation:float 4s ease-in-out infinite}@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}.hero-card-body{padding:1.8rem}.hero-card-body h3{font-family:'Playfair Display',serif;font-size:1.35rem;font-weight:700;margin-bottom:.5rem;color:var(--navy)}.hero-card-body p{font-size:.88rem;color:var(--mid);margin-bottom:1.2rem}.checks{display:flex;flex-direction:column;gap:.5rem}.check-item{display:flex;align-items:center;gap:.7rem;font-size:.85rem;color:var(--navy);font-weight:600}.trust-bar{background:var(--navy);color:#fff;padding:1.3rem 5%;display:flex;justify-content:center;align-items:center;gap:3rem;flex-wrap:wrap}.trust-item{display:flex;align-items:center;gap:.6rem;font-size:.82rem;font-weight:600;letter-spacing:.03em}.trust-item .icon{font-size:1.1rem}section{padding:100px 5%}.section-inner{max-width:1200px;margin:0 auto}.section-label{font-size:.75rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.8rem}.section-title{font-family:'Playfair Display',serif;font-size:clamp(2rem, 3.5vw, 2.8rem);font-weight:700;line-height:1.2;color:var(--navy);margin-bottom:1rem}.section-title em{font-style:italic;color:var(--gold)}.section-sub{font-size:1rem;color:var(--mid);max-width:560px;font-weight:400;margin-bottom:3.5rem}.why{background:#fff}.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}.why-card{background:var(--cream);border-radius:20px;padding:2.2rem;border:1.5px solid var(--border);transition:transform .3s,box-shadow .3s,border-color .3s;position:relative;overflow:hidden}.why-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgb(29 58 82 / .1);border-color:var(--gold-light)}.why-card::after{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));opacity:0;transition:opacity .3s}.why-card:hover::after{opacity:1}.why-icon{font-size:2rem;margin-bottom:1.2rem;display:block}.why-card h3{font-family:'Playfair Display',serif;font-size:1.25rem;font-weight:700;margin-bottom:.6rem;color:var(--navy)}.why-card p{font-size:.9rem;color:var(--mid)}.leistungen{background:var(--gold-ultra)}.leistungen-inner{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}.leistungen-bg{background:#fff;border-radius:24px;padding:2.5rem;border:1.5px solid var(--border);box-shadow:0 8px 30px rgb(29 58 82 / .07)}.leistungen-bg h3{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;margin-bottom:1.5rem;color:var(--navy)}.leistung-row{display:flex;align-items:flex-start;gap:.8rem;padding:.8rem 0;border-bottom:1px solid var(--border)}.leistung-row:last-child{border-bottom:none}.leistung-check{width:22px;height:22px;flex-shrink:0;background:var(--gold);border-radius:50%;color:#fff;display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:800;margin-top:2px}.leistung-text{font-size:.9rem;color:var(--navy);font-weight:500}.info-box{background:#fff;border-radius:16px;padding:1.5rem;border:1.5px solid var(--border);margin-top:1.5rem}.info-box h4{font-weight:700;font-size:.9rem;margin-bottom:.8rem;color:var(--navy);display:flex;align-items:center;gap:.5rem}.info-box ul{list-style:none;font-size:.85rem;color:var(--mid)}.info-box ul li{padding:.25rem 0}.info-box ul .tariff{background:#fff}.tariff-card{max-width:780px;margin:0 auto;background:var(--cream);border-radius:28px;border:1.5px solid var(--border);overflow:hidden;box-shadow:0 8px 40px rgb(29 58 82 / .08)}.tariff-header{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);color:#fff;padding:2.5rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1.5rem}.tariff-header h3{font-family:'Playfair Display',serif;font-size:1.7rem;font-weight:700}.tariff-header p{opacity:.7;font-size:.88rem;margin-top:.4rem}.tariff-price{text-align:right}.tariff-price .big{font-family:'Playfair Display',serif;font-size:3.5rem;font-weight:700;line-height:1;color:var(--gold-light)}.tariff-price .big sup{font-size:1.5rem}.tariff-price .small{font-size:.8rem;opacity:.7}.tariff-body{padding:2.5rem}.tariff-rows{border-radius:12px;overflow:hidden;border:1.5px solid var(--border)}.tariff-row{display:flex;justify-content:space-between;align-items:center;padding:1rem 1.4rem;background:#fff;font-size:.9rem;border-bottom:1px solid var(--border)}.tariff-row:last-child{border-bottom:none}.tariff-row:nth-child(odd){background:var(--gold-ultra)}.tariff-row .key{color:var(--mid);font-size:.85rem}.tariff-row .val{font-weight:700;color:var(--navy)}.tariff-cta{margin-top:2rem;display:flex;flex-direction:column;align-items:center;gap:.8rem}.tariff-cta .btn-primary{width:100%;text-align:center;font-size:1rem;padding:1.1rem}.tariff-cta .note{font-size:.78rem;color:var(--mid)}.process{background:var(--gold-ultra)}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;position:relative}.steps::before{content:'';position:absolute;top:36px;left:10%;right:10%;height:2px;background:linear-gradient(90deg,var(--gold-pale),var(--gold-light),var(--gold-pale))}.step{text-align:center;position:relative;z-index:1}.step-num{width:72px;height:72px;border-radius:50%;background:#fff;border:2.5px solid var(--gold-light);display:flex;align-items:center;justify-content:center;margin:0 auto 1.2rem;font-family:'Playfair Display',serif;font-size:1.8rem;font-weight:700;color:var(--gold);box-shadow:0 4px 20px rgb(200 144 42 / .15)}.step h4{font-family:'Playfair Display',serif;font-size:1.1rem;font-weight:700;margin-bottom:.4rem;color:var(--navy)}.step p{font-size:.82rem;color:var(--mid)}.risiko-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}.risiko-card{background:var(--gold-ultra);border-radius:16px;padding:1.4rem;border:1.5px solid var(--border);text-align:center;font-size:.88rem;color:var(--mid);transition:border-color .25s,transform .25s}.risiko-card:hover{border-color:var(--gold-light);transform:translateY(-2px)}.risiko-card .emoji{font-size:1.8rem;margin-bottom:.6rem;display:block}.risiko-card strong{display:block;color:var(--navy);font-weight:700;margin-bottom:.2rem}.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}.faq-item{background:#fff;border-radius:16px;padding:1.6rem;border:1.5px solid var(--border);cursor:pointer;transition:border-color .2s}.faq-item:hover{border-color:var(--gold-light)}.faq-item.open{border-color:var(--gold)}.faq-q{font-weight:700;font-size:.92rem;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:1rem}.faq-q::after{content:'+';font-size:1.5rem;color:var(--gold);flex-shrink:0;transition:transform .3s}.faq-item.open .faq-q::after{transform:rotate(45deg)}.faq-a{font-size:.85rem;color:var(--mid);margin-top:1rem;line-height:1.7;display:none}.faq-item.open .faq-a{display:block}.cta-banner{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);color:#fff;padding:80px 5%;text-align:center;position:relative;overflow:hidden}.cta-banner::before{content:'';position:absolute;width:500px;height:500px;border-radius:50%;border:60px solid rgb(200 144 42 / .1);right:-100px;top:-150px}.cta-balloon{font-size:3rem;margin-bottom:1.5rem;display:block;animation:float 3s ease-in-out infinite}.cta-banner h2{font-family:'Playfair Display',serif;font-size:clamp(2rem, 4vw, 3rem);font-weight:700;margin-bottom:1rem;position:relative;z-index:1}.cta-banner h2 em{font-style:italic;color:var(--gold-light)}.cta-banner p{color:rgb(255 255 255 / .65);margin-bottom:.5rem;position:relative;z-index:1}.cta-tagline-banner{font-size:1.1rem;font-weight:700;color:var(--gold-light);margin-bottom:2.5rem;position:relative;z-index:1}.cta-banner .btn-primary{background:var(--gold);color:#fff;font-size:1rem;padding:1.1rem 2.8rem;position:relative;z-index:1}.cta-banner .btn-primary:hover{background:var(--gold-light)}footer{background:var(--navy-dark);color:rgb(255 255 255 / .45);padding:3rem 5%;font-size:.82rem}.footer-inner{max-width:1200px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}.footer-logo img{height:44px;width:auto;filter:brightness(0) invert(1) opacity(.7)}.footer-links{display:flex;gap:1.5rem;flex-wrap:wrap}.footer-links a{color:rgb(255 255 255 / .35);text-decoration:none;transition:color .2s}.footer-links a:hover{color:var(--gold-light)}.fade-in{opacity:1;transform:translateY(0);transition:opacity .7s ease,transform .7s ease}.fade-in.visible{opacity:1;transform:translateY(0)}@media (max-width:900px){.nav-links{display:none}.hamburger{display:flex}.hero-inner{grid-template-columns:1fr}.hero-visual{display:none}.why-grid{grid-template-columns:1fr}.leistungen-inner{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}.steps::before{display:none}.faq-grid{grid-template-columns:1fr}.risiko-grid{grid-template-columns:1fr 1fr}}@media (max-width:560px){.steps{grid-template-columns:1fr}.risiko-grid{grid-template-columns:1fr}.trust-bar{gap:1.2rem}.tariff-header{flex-direction:column}.tariff-price{text-align:left}}.price-calculator{max-width:780px;margin:0 auto 3rem;background:#fff;border-radius:28px;border:1.5px solid var(--border);overflow:hidden;box-shadow:0 8px 40px rgb(29 58 82 / .08)}.calc-header{background:linear-gradient(135deg,var(--gold),#b07a20);color:#fff;padding:2rem 2.5rem;text-align:center}.calc-header h3{font-family:'Playfair Display',serif;font-size:1.6rem;font-weight:700;margin-bottom:.4rem}.calc-header p{opacity:.85;font-size:.95rem}.calc-body{padding:2.5rem}.calc-slider-wrap{margin-bottom:2rem}.calc-slider{width:100%;height:8px;-webkit-appearance:none;appearance:none;background:var(--gold-pale);border-radius:4px;outline:none;cursor:pointer}.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:28px;height:28px;border-radius:50%;background:var(--gold);box-shadow:0 2px 10px rgb(200 144 42 / .4);cursor:pointer;transition:transform .15s}.calc-slider::-webkit-slider-thumb:hover{transform:scale(1.15)}.calc-slider-labels{display:flex;justify-content:space-between;font-size:.75rem;color:var(--mid);margin-top:.5rem}.calc-result{display:flex;align-items:center;justify-content:center;gap:2rem;flex-wrap:wrap;background:var(--gold-ultra);border-radius:20px;padding:1.8rem 2rem;margin-bottom:1.8rem;border:1.5px solid var(--gold-pale)}.calc-result-left,.calc-result-right{text-align:center}.calc-label{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--mid);margin-bottom:.4rem}.calc-cost{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;color:var(--navy)}.calc-premium{font-family:'Playfair Display',serif;font-size:3rem;font-weight:700;color:var(--gold);line-height:1}.calc-note{font-size:.75rem;color:var(--mid);margin-top:.3rem}.calc-arrow{font-size:1.8rem;color:var(--gold-light)}.calc-cta{width:100%;text-align:center;font-size:1rem;padding:1.1rem;display:block}.price-table-wrap{max-width:780px;margin:0 auto}.price-table-title{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;color:var(--navy);margin-bottom:1.2rem;text-align:center}.price-table{border-radius:20px;overflow:hidden;border:1.5px solid var(--border);box-shadow:0 4px 20px rgb(29 58 82 / .06)}.pt-head{display:flex;justify-content:space-between;padding:1rem 1.6rem;background:var(--navy);color:#fff;font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}.pt-row{display:flex;justify-content:space-between;align-items:center;padding:.85rem 1.6rem;background:#fff;border-bottom:1px solid var(--border);transition:background .2s}.pt-row:nth-child(odd){background:var(--gold-ultra)}.pt-row:hover{background:var(--gold-pale)}.pt-row.active{background:var(--gold)!important}.pt-row.active .pt-cost,.pt-row.active .pt-premium{color:white!important}.pt-cost{font-size:.9rem;color:var(--mid)}.pt-premium{font-weight:800;font-size:1rem;color:var(--navy)}.pt-row.active .pt-premium{font-size:1.1rem}.pt-note{padding:.9rem 1.6rem;background:var(--navy-dark);color:rgb(255 255 255 / .55);font-size:.78rem;text-align:center}.nav-logo-link img,.nav-logo img{height:70px!important;width:auto!important;display:block}nav{height:90px;display:flex;align-items:center}.hcp-wrap{width:100%;height:240px;overflow:hidden;display:block}.hcp-wrap img{width:100%;height:100%;object-fit:cover;object-position:center 18%;display:block}.hero-card{animation:hpFloat 5s ease-in-out infinite}@keyframes hpFloat{0%,100%{transform:translateY(0) rotate(0deg)}33%{transform:translateY(-10px) rotate(.25deg)}66%{transform:translateY(-5px) rotate(-.18deg)}}.check-item-hp{display:flex;align-items:center;gap:.65rem;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:.45rem}.faq-price-item{grid-column:1/-1;background:var(--gold-ultra)!important;border-color:var(--gold-pale)!important}.faq-price-item .faq-q{color:var(--gold);font-size:.95rem}.faq-price-item.open{border-color:var(--gold)!important}.faq-pt{margin-top:1rem;border-radius:14px;overflow:hidden;border:1.5px solid var(--border)}.faq-pt-head{display:grid;grid-template-columns:1fr auto;padding:.7rem 1.4rem;background:var(--navy);color:#fff;font-size:.74rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.faq-pt-r{display:grid;grid-template-columns:1fr auto;padding:.65rem 1.4rem;border-bottom:1px solid var(--border);font-size:.9rem}.faq-pt-r:nth-child(even){background:var(--gold-ultra)}.faq-pt-r:nth-child(odd){background:#fff}.faq-pt-r span:first-child{color:var(--mid)}.faq-pt-r span:last-child{font-weight:800;color:var(--navy)}.faq-pt-note{padding:.75rem 1.4rem;background:var(--navy-dark);color:rgb(255 255 255 / .5);font-size:.76rem;text-align:center}.stn-g{display:grid;grid-template-columns:repeat(4,1fr);position:relative;margin-bottom:3rem}.stn-g::before{content:'';position:absolute;top:40px;left:12.5%;right:12.5%;height:2px;background:linear-gradient(90deg,var(--gold-pale),var(--gold-light),var(--gold-pale))}.stn-s{display:flex;flex-direction:column;align-items:center;text-align:center;padding:0 1rem;position:relative;z-index:1}.stn-n{width:80px;height:90px;border-radius:50%;background:#fff;border:3px solid var(--gold);display:flex;align-items:center;justify-content:center;margin-bottom:1rem;font-family:"Playfair Display",serif;font-size:1.8rem;font-weight:700;color:var(--gold);box-shadow:0 4px 20px rgb(200 144 42 / .2);flex-shrink:0}.stn-s h4{font-family:"Playfair Display",serif;font-size:1rem;font-weight:700;margin-bottom:.4rem}.stn-s p{font-size:.8rem;color:var(--mid);line-height:1.5}.scn-g{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}.scn-c{border-radius:20px;padding:1.8rem;border:1.5px solid var(--border);background:var(--gold-ultra)}.scn-h{display:flex;align-items:center;gap:.8rem;margin-bottom:1.2rem}.scn-i{width:44px;height:44px;border-radius:12px;background:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0}.scn-c h4{font-family:"Playfair Display",serif;font-size:1.05rem;font-weight:700}.scn-c ul{list-style:none;font-size:.85rem;color:var(--mid)}.scn-c ul li{padding:.3rem 0;border-bottom:1px solid rgb(200 144 42 / .15);display:flex;align-items:flex-start;gap:.5rem}.scn-c ul li:last-child{border-bottom:none}.scn-c ul .scn-w{background:#FFFBF0;border-color:#E8D080}.scn-w h4{color:#8B5500}.scn-d{background:linear-gradient(135deg,var(--navy),#2E5170);border:none}.scn-d h4{color:#fff}@media(max-width:700px){.stn-g{grid-template-columns:1fr 1fr}.stn-g::before{display:none}.scn-g{grid-template-columns:1fr}}.hp-ov{position:fixed;inset:0;background:rgb(14 28 42 / .75);z-index:9999;display:none;align-items:center;justify-content:center;padding:1rem;backdrop-filter:blur(6px)}.hp-ov.open{display:flex!important;align-items:center;justify-content:center}.hp-modal{background:#fff!important;border-radius:22px;width:100%;max-width:660px;max-height:92vh;overflow:hidden;display:flex!important;flex-direction:column;box-shadow:0 30px 100px rgb(0 0 0 / .3);position:relative;z-index:10000}.hp-mhead{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;padding:1.5rem 2rem;display:flex;align-items:flex-start;justify-content:space-between;flex-shrink:0}.hp-prog{padding:1rem 2rem .6rem;background:var(--cream);border-bottom:1px solid var(--border);flex-shrink:0}.hplbl{font-size:.6rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--mid)}.hplbl.cur{color:var(--gold)}.hplbl.done{color:var(--navy)}.hp-body{padding:1.6rem 2rem;overflow-y:auto;flex:1}.hpt{font-size:1rem;font-weight:700;margin-bottom:.2rem}.hpd{font-size:.8rem;color:var(--mid);margin-bottom:1.2rem}.hf{margin-bottom:.95rem}.hf label{display:block;font-size:.76rem;font-weight:700;margin-bottom:.28rem}.hf label span{color:var(--gold)}.hf input,.hf select,.hf textarea{width:100%;padding:.62rem .9rem;border:1.5px solid var(--border);border-radius:9px;font-size:.88rem;font-family:inherit;color:var(--navy);background:#fff;outline:none;transition:border-color .2s}.hf input:focus,.hf select:focus,.hf textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgb(200 144 42 / .1)}.hf input.err,.hf select.err,.hf textarea.err{border-color:#C0392B}.hf textarea{resize:vertical;min-height:78px}.hfe{color:#C0392B;font-size:.7rem;margin-top:.2rem;display:none}.hf.bad .hfe{display:block}.hf2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.hp-info{background:var(--gold-ultra);border:1.5px solid var(--gold-pale);border-radius:9px;padding:.8rem 1rem;font-size:.78rem;color:var(--mid);margin-bottom:1rem;line-height:1.6}.hp-info strong{color:var(--navy)}.hf-rcol{display:flex;flex-direction:column;gap:.38rem;margin-top:.28rem}.hf-rrow{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin-top:.28rem}.hfr{display:flex;align-items:center;gap:.5rem;font-size:.84rem;cursor:pointer;padding:.42rem .7rem;border-radius:8px;border:1.5px solid var(--border);transition:all .2s}.hfr:hover{border-color:var(--gold-light);background:var(--gold-ultra)}.hfr input{accent-color:var(--gold);width:14px;height:14px;flex-shrink:0}.hfr.on{border-color:var(--gold);background:var(--gold-pale)}.hf-sumh{font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin:1rem 0 .4rem}.hf-srow{display:flex;justify-content:space-between;padding:.38rem 0;border-bottom:1px solid var(--border);font-size:.82rem}.hf-srow:last-child{border-bottom:none}.hf-sk{color:var(--mid)}.hf-sv{font-weight:600;text-align:right;max-width:58%}.hpm-ok{display:none;text-align:center;padding:1rem 0}.hpm-ok.on{display:block}.hp-foot{padding:1rem 2rem;border-top:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;background:var(--cream);flex-shrink:0}.hp-btnb{background:none;border:1.5px solid var(--border);color:var(--mid);padding:.62rem 1.4rem;border-radius:50px;font-size:.84rem;font-weight:700;cursor:pointer}.hp-btnb:disabled{opacity:.3;cursor:not-allowed}.hp-btnb:not(:disabled):hover{border-color:var(--navy);color:var(--navy)}.hp-btnn{background:var(--gold);color:#fff;border:none;padding:.62rem 1.8rem;border-radius:50px;font-size:.84rem;font-weight:700;cursor:pointer;box-shadow:0 3px 12px rgb(200 144 42 / .3);display:flex;align-items:center;gap:.4rem}.hp-btnn:hover{background:#b07a20}.hp-btnn.sub{background:var(--navy)}.hp-btnn.loading .hpbtxt{display:none}.hp-btnn.loading .hp-spin{display:block}.hp-spin{width:15px;height:15px;border:2px solid rgb(255 255 255 / .3);border-top-color:#fff;border-radius:50%;animation:hpSpin .6s linear infinite;display:none}@keyframes hpSpin{to{transform:rotate(360deg)}}@media(max-width:560px){.hf2{grid-template-columns:1fr}.hf-rrow{grid-template-columns:1fr}.hp-body{padding:1.2rem}.hp-mhead,.hp-foot{padding:1.1rem 1.2rem}}nav .nav-logo img,nav img[alt="HappyProtect"]{height:80px!important;width:auto!important;display:block!important}.tariff-two-col{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}@media(max-width:900px){.tariff-two-col{grid-template-columns:1fr}}.price-calculator,.tariff-card{height:100%;display:flex;flex-direction:column}.calc-body{flex:1}.tariff-body{flex:1}.unified-tariff-card{background:#fff;border-radius:22px;border:1.5px solid var(--border);box-shadow:0 8px 40px rgb(29 58 82 / .1);overflow:hidden;max-width:920px;margin:0 auto}.utc-head{background:linear-gradient(135deg,#142838 0%,#1D3A52 100%);padding:1.6rem 2.2rem;display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap}.utc-head-left h3{font-family:'Playfair Display',serif;font-size:1.35rem;font-weight:700;color:#fff;margin:0 0 .25rem}.utc-head-left p{font-size:.83rem;color:rgb(255 255 255 / .55);margin:0}.utc-badge{font-size:.7rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:#E8B860;background:rgb(200 144 42 / .18);padding:.28rem .75rem;border-radius:40px;display:inline-block;margin-bottom:.5rem}.utc-price{color:#fff;line-height:1.2}.utc-price strong{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;color:#E8B860}.utc-price span{font-size:.78rem;color:rgb(255 255 255 / .45);margin-left:.25rem}.utc-body{display:grid!important;grid-template-columns:1fr 1px 1fr!important;align-items:start;padding:1.8rem 2.2rem;gap:0}.utc-calc{padding-right:2rem}.utc-divider{background:var(--border);align-self:stretch;margin:0 2rem;min-height:200px}.utc-rows{display:flex;flex-direction:column}.utc-row{display:flex;justify-content:space-between;align-items:center;padding:.6rem .8rem;font-size:.87rem;border-radius:8px;margin-bottom:3px}.utc-row:nth-child(odd){background:var(--gold-ultra)}.utc-row:nth-child(even){background:#fff}.utc-row span:first-child{color:var(--mid)}.utc-row span:last-child{font-weight:700;color:var(--navy)}.utc-result{display:flex;align-items:center;justify-content:space-around;gap:1rem;background:var(--gold-ultra);border:1.5px solid var(--gold-pale);border-radius:14px;padding:1.1rem 1.3rem;margin-top:1.2rem}.utc-result-side{text-align:center}.utc-rlabel{font-size:.65rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--mid);margin-bottom:.2rem}.utc-rcost{font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:700;color:var(--navy)}.utc-rpremium{font-family:'Playfair Display',serif;font-size:2.2rem;font-weight:700;color:var(--gold);line-height:1}.utc-rnote{font-size:.68rem;color:var(--mid);margin-top:.12rem}.utc-arrow{font-size:1.3rem;color:var(--gold-light);flex-shrink:0}.utc-footer{border-top:1.5px solid var(--border);background:var(--cream);padding:1.4rem 2.2rem}.utc-hint{text-align:center;font-size:.74rem;color:var(--mid);margin-top:.55rem}@media(max-width:760px){.utc-body{grid-template-columns:1fr!important}.utc-divider{height:1px;min-height:0;margin:1.2rem 0}.utc-calc{padding-right:0}.utc-head{flex-direction:column;text-align:center}}.hcp-placeholder{background:linear-gradient(135deg,var(--navy-dark),var(--navy));display:flex!important;align-items:center;justify-content:center}.hcp-ph-inner{text-align:center;padding:1rem}.hp-stn-grid{display:grid;grid-template-columns:repeat(4,1fr);position:relative;margin-bottom:3rem;gap:1.5rem}.hp-scn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}.hp-utc-body{display:grid;grid-template-columns:1fr 1.5px 1fr;align-items:start;padding:1.8rem 2.2rem}.hp-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;align-items:start}.hp-hf2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.hp-utc-divider{display:block;background:#E8E0D0;width:1.5px;min-height:200px;margin:0 2rem;align-self:stretch}@media (max-width:900px){.hp-stn-grid{grid-template-columns:1fr 1fr!important}.hp-scn-grid{grid-template-columns:1fr!important}.hp-utc-body{grid-template-columns:1fr!important;padding:1.2rem!important}.hp-faq-grid{grid-template-columns:1fr!important}.hp-utc-divider{display:none!important}}@media (max-width:600px){.hp-stn-grid{grid-template-columns:1fr!important}.hp-hf2{grid-template-columns:1fr!important}}