/* ============================================================
   YouFinance — Geldanlagespezialist Wiesbaden
   Design system · Brand-Blau #1474C5 + Navy + Weiß
   ============================================================ */

:root{
  --blue:#1474C5;
  --blue-600:#1066b3;
  --blue-700:#0d5596;
  --blue-50:#e9f2fb;
  --blue-100:#d6e8f7;
  --ink:#0a1c2e;        /* deep navy — headings & dark sections */
  --ink-2:#11283d;
  --ink-3:#1c3852;
  --slate:#384a5b;      /* body text on light — contrast ≥8:1 on white */
  --muted:#566a7b;      /* labels / small text — ≥5.5:1 on white */
  --line:#e1e9f1;
  --line-2:#d2dEea;
  --bg:#ffffff;
  --bg-soft:#f4f8fc;
  --bg-soft-2:#eaf2fa;
  --green:#15814f;      /* yield / positive — darker for contrast on white */
  --green-bright:#5fd6a3;/* on dark only */
  --green-50:#e7f5ee;
  --on-dark:#c5d6e5;    /* body text on navy */
  --on-dark-soft:#a8bed1;/* secondary on navy — ≥7:1 */
  --on-dark-faint:#88a2b8;
  --white:#ffffff;
  --radius:16px;
  --radius-lg:18px;
  --radius-sm:12px;
  --shadow-sm:0 1px 2px rgba(10,28,46,.05),0 4px 14px -6px rgba(10,28,46,.10);
  --shadow:0 18px 40px -20px rgba(10,28,46,.28);
  --shadow-lg:0 40px 80px -34px rgba(7,22,38,.55);
  --maxw:1160px;
  --ease:cubic-bezier(.22,.61,.36,1);   /* ease-out-quint-ish */
  --header-h:72px;
  /* z-scale */
  --z-sticky:50;
  --z-menu:60;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{
  font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--slate);
  background:var(--bg);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
[id]{scroll-margin-top:calc(var(--header-h) + 18px)}
html{scroll-behavior:smooth}

h1,h2,h3,h4{color:var(--ink);line-height:1.12;letter-spacing:-.02em;font-weight:700;text-wrap:balance}
.display{font-family:"Fraunces","Inter",Georgia,serif;font-weight:600;letter-spacing:-.02em;line-height:1.06}
h1{font-size:clamp(2.25rem,4.8vw,3.75rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.7rem)}
h3{font-size:clamp(1.2rem,2vw,1.45rem)}
p{margin:0 0 1rem;text-wrap:pretty}
strong{color:var(--ink-2);font-weight:600}
em{font-style:italic}

/* ---------- layout ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:clamp(60px,8.5vw,116px) 0}
.section--soft{background:var(--bg-soft)}
.section--ink{background:
   radial-gradient(120% 150% at 82% -20%,#17446b 0%,#0c2236 48%,var(--ink) 100%);
  color:var(--on-dark)}
.section--ink h1,.section--ink h2,.section--ink h3{color:#fff}
.center{text-align:center}
.lead{font-size:clamp(1.05rem,1.5vw,1.25rem);color:var(--slate);max-width:64ch;line-height:1.62}
.center .lead{margin-left:auto;margin-right:auto}
.section--ink .lead{color:var(--on-dark-soft)}

.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,5vw,56px)}

.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;
  color:var(--blue);margin-bottom:18px;
}
.eyebrow::before{content:"";width:22px;height:1.5px;background:var(--blue);display:inline-block;border-radius:2px}
.section--ink .eyebrow{color:#79b8ee}
.section--ink .eyebrow::before{background:#79b8ee}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-weight:600;font-size:1rem;line-height:1;
  padding:15px 25px;border-radius:999px;border:1px solid transparent;
  cursor:pointer;transition:transform .35s var(--ease),box-shadow .35s var(--ease),background .2s;
  white-space:nowrap;
}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 12px 26px -12px rgba(20,116,197,.75)}
.btn-primary:hover{background:var(--blue-600);transform:translateY(-2px);box-shadow:0 18px 34px -12px rgba(20,116,197,.85)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue);transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.btn-lg{padding:17px 31px;font-size:1.05rem}
.btn svg{width:18px;height:18px}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:var(--z-sticky);
  background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:var(--header-h)}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.3rem;letter-spacing:-.02em;color:var(--ink)}
.brand b{color:var(--blue);font-weight:800}
.brand .dot{width:9px;height:9px;border-radius:50%;background:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-links a{font-size:.95rem;font-weight:500;color:var(--ink-3);transition:color .2s}
.nav-links a:hover{color:var(--blue)}
.nav-cta{display:flex;align-items:center;gap:16px}
.nav-phone{font-weight:600;color:var(--ink);font-size:.93rem;display:flex;align-items:center;gap:7px}
.nav-phone svg{width:16px;height:16px;color:var(--blue)}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.burger span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.3s}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;color:var(--on-dark);
  background:radial-gradient(95% 130% at 86% -25%,#18456b 0%,#0c2336 52%,var(--ink) 100%);
  padding:clamp(64px,10vw,128px) 0 clamp(58px,8vw,112px)}
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:
   radial-gradient(42% 52% at 10% 112%,rgba(20,116,197,.32),transparent 70%),
   radial-gradient(34% 44% at 98% 18%,rgba(21,129,79,.16),transparent 72%)}
.hero .wrap{position:relative;z-index:2}
.hero h1{color:#fff;max-width:20ch}
.hero .lead{color:var(--on-dark-soft);margin-top:22px;max-width:56ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}
.hero-trust{display:flex;align-items:center;gap:16px;margin-top:40px;flex-wrap:wrap;color:var(--on-dark-soft);font-size:.92rem}
.hero-trust .stars{color:#f4b740;letter-spacing:2px;font-size:1rem}
.hero-trust .sep{color:var(--on-dark-faint)}
.hero-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:clamp(36px,5vw,56px);align-items:center}

/* hero side stat card */
.stat-card{
  background:linear-gradient(180deg,rgba(255,255,255,.08),rgba(255,255,255,.04));
  border:1px solid rgba(255,255,255,.16);
  border-radius:20px;padding:28px 30px;backdrop-filter:blur(8px);box-shadow:var(--shadow-lg)}
.stat-card h4{color:#fff;font-size:1.02rem;margin-bottom:16px;font-weight:600}
.stat-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.stat-row:last-child{border-bottom:0}
.stat-row .k{color:var(--on-dark-soft);font-size:.92rem}
.stat-row .v{font-family:"Fraunces",serif;font-size:1.6rem;color:#fff;font-weight:600;white-space:nowrap}
.stat-row .v.green{color:var(--green-bright)}

/* ---------- chips ---------- */
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}
.chip{display:inline-flex;align-items:center;gap:8px;padding:9px 15px;border-radius:999px;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);font-size:.86rem;color:var(--on-dark)}
.chip svg{width:14px;height:14px;color:var(--green-bright)}

/* ---------- grid ---------- */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

/* ---------- generic card ---------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card .ico{width:50px;height:50px;border-radius:13px;display:grid;place-items:center;
  background:var(--blue-50);color:var(--blue);margin-bottom:20px}
.card .ico svg{width:24px;height:24px}
.card h3{margin-bottom:10px}
.card p{margin:0;font-size:.98rem;color:var(--slate)}

/* ---------- product split cards ---------- */
.product-card{position:relative;overflow:hidden;border-radius:var(--radius-lg);border:1px solid var(--line);
  background:#fff;box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.product-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.product-card .top{padding:32px 32px 0}
.product-card .tag{font-size:.76rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}
.product-card h3{font-size:1.5rem;margin:12px 0 12px}
.product-card p{color:var(--slate);font-size:1rem}
.product-card .metric{display:flex;align-items:baseline;gap:11px;margin:22px 0 0}
.product-card .metric .big{font-family:"Fraunces",serif;font-size:2.3rem;color:var(--green);font-weight:600;line-height:1}
.product-card .metric .lbl{font-size:.88rem;color:var(--muted)}
.product-card .foot{padding:22px 32px 30px;margin-top:18px;border-top:1px solid var(--line);
  display:flex;align-items:center;justify-content:space-between;gap:16px}
.product-card .foot .foot-lbl{color:var(--muted);font-size:.9rem}
.product-card .foot .arrow{color:var(--blue);font-weight:600;display:inline-flex;align-items:center;gap:8px;white-space:nowrap;transition:gap .25s var(--ease)}
.product-card .foot:hover .arrow{gap:12px}
.product-card .strip{height:5px;background:linear-gradient(90deg,var(--blue),#5aa6e6)}
.product-card.green .strip{background:linear-gradient(90deg,var(--green),#37b985)}
.product-card.green .top .tag{color:var(--green)}

/* ---------- calc cards (Beispielrechnung) ---------- */
.calc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px;box-shadow:var(--shadow-sm)}
.calc-card.wide{max-width:760px;margin:0 auto}
.calc-tag{display:inline-flex;align-items:center;gap:8px;font-size:.74rem;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;color:var(--muted);background:var(--bg-soft);border:1px solid var(--line);
  padding:6px 12px;border-radius:999px;margin-bottom:18px}
.calc-card.green .calc-tag{color:var(--green);background:var(--green-50);border-color:#cdeadd}
.calc-line{font-size:1.05rem;color:var(--ink-3);margin:0 0 8px}
.calc-result{display:flex;flex-direction:column;gap:2px;margin:14px 0 16px}
.calc-num{font-family:"Fraunces",serif;font-size:clamp(2rem,4vw,2.7rem);font-weight:600;color:var(--ink);line-height:1}
.calc-num.green{color:var(--green)}
.calc-lbl{font-size:.92rem;color:var(--muted)}
.calc-foot{font-size:.95rem;color:var(--slate);margin:0;line-height:1.6}
.calc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:6px 0 20px;
  padding:22px;background:var(--bg-soft);border-radius:var(--radius-sm)}
.calc-grid > div{display:flex;flex-direction:column;gap:5px}
.calc-k{font-size:.82rem;color:var(--muted)}
.calc-v{font-family:"Fraunces",serif;font-size:1.5rem;font-weight:600;color:var(--ink);line-height:1}
.calc-v.green{color:var(--green)}

/* ---------- list checks ---------- */
.checks{display:grid;gap:15px;margin:0}
.checks li{display:flex;gap:13px;align-items:flex-start;font-size:1.02rem;color:var(--ink-3);line-height:1.55}
.checks li svg{flex:none;width:23px;height:23px;color:var(--green);margin-top:1px}
.section--ink .checks li{color:var(--on-dark)}
.section--ink .checks li strong{color:#fff}
.section--ink .checks li svg{color:var(--green-bright)}

/* ---------- "niemals" cards ---------- */
.never-card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;box-shadow:var(--shadow-sm)}
.never-card .x{width:42px;height:42px;border-radius:12px;background:#fcebee;color:#c43350;display:grid;place-items:center;margin-bottom:16px}
.never-card .x svg{width:22px;height:22px}
.never-card h3{font-size:1.15rem;margin-bottom:8px;line-height:1.25}
.never-card p{font-size:.95rem;margin:0;color:var(--slate)}

/* ---------- numbered process ---------- */
.steps{display:grid;gap:20px}
.step{display:grid;grid-template-columns:60px 1fr;gap:22px;align-items:start;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;box-shadow:var(--shadow-sm)}
.section--soft .step{background:#fff}
.step .n{font-family:"Fraunces",serif;font-size:1.4rem;font-weight:600;color:#fff;
  background:linear-gradient(135deg,var(--blue),var(--blue-700));
  width:54px;height:54px;border-radius:15px;display:grid;place-items:center}
.step h3{margin-bottom:6px}
.step p{margin:0;font-size:.97rem;color:var(--slate)}

/* ---------- risk reversal ---------- */
.risk{display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:start;
  background:linear-gradient(180deg,var(--blue-50),#fff);
  border:1px solid var(--blue-100);border-radius:var(--radius-lg);
  padding:clamp(28px,4vw,42px);box-shadow:var(--shadow-sm)}
.risk-ico{width:56px;height:56px;border-radius:15px;background:var(--blue);color:#fff;display:grid;place-items:center;flex:none}
.risk-ico svg{width:28px;height:28px}
.risk h3{margin-bottom:10px}
.risk p{margin:0;color:var(--slate);font-size:1rem;max-width:70ch}

/* ---------- founders ---------- */
.founder{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-sm)}
.founder .who{display:flex;align-items:center;gap:16px;margin-bottom:20px}
.founder .ava{width:58px;height:58px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--ink));
  color:#fff;display:grid;place-items:center;font-weight:700;font-size:1.15rem;font-family:"Fraunces",serif}
.founder .who b{display:block;color:var(--ink);font-size:1.08rem}
.founder .who span{font-size:.88rem;color:var(--muted)}
.founder .quote{font-size:1.02rem;color:var(--ink-3);font-style:italic;line-height:1.7}

/* ---------- requirements band ---------- */
.req{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;box-shadow:var(--shadow-sm)}
.req .item{padding:34px 30px;border-right:1px solid var(--line)}
.req .item:last-child{border-right:0}
.req .item .big{font-family:"Fraunces",serif;font-size:2.1rem;color:var(--blue);font-weight:600;line-height:1}
.req .item p{margin:12px 0 0;font-size:.96rem;color:var(--slate)}

/* ---------- stat band ---------- */
.statband{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;text-align:center}
.statband .s .big{font-family:"Fraunces",serif;font-size:clamp(2.2rem,4.5vw,3.2rem);color:#fff;font-weight:600;line-height:1}
.statband .s .lbl{color:var(--on-dark-soft);margin-top:10px;font-size:.96rem}

/* ---------- FAQ ---------- */
.faq{display:grid;gap:14px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow-sm);transition:border-color .25s}
.section--soft .faq details{background:#fff}
.faq details[open]{border-color:var(--blue-100)}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:22px 26px;font-weight:600;color:var(--ink);font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq-plus{position:relative;flex:none;width:20px;height:20px}
.faq-plus::before,.faq-plus::after{content:"";position:absolute;background:var(--blue);border-radius:2px;transition:transform .3s var(--ease),opacity .3s}
.faq-plus::before{top:9px;left:0;width:20px;height:2px}
.faq-plus::after{left:9px;top:0;width:2px;height:20px}
.faq details[open] .faq-plus::after{transform:rotate(90deg);opacity:0}
.faq-a{padding:0 26px 24px}
.faq-a p{margin:0;color:var(--slate);font-size:.98rem;line-height:1.65;max-width:68ch}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;border-radius:24px;text-align:center;color:var(--on-dark);
  padding:clamp(40px,6vw,72px);
  background:radial-gradient(120% 170% at 50% -40%,#1a4c76 0%,#0d2538 55%,var(--ink) 100%)}
.cta-band::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(42% 60% at 82% 120%,rgba(20,116,197,.42),transparent 70%)}
.cta-band h2{color:#fff;position:relative;max-width:22ch;margin:0 auto}
.cta-band p{position:relative;color:var(--on-dark-soft);max-width:56ch;margin:18px auto 0}
.cta-band .hero-cta{justify-content:center;position:relative;margin-top:30px}
.cta-note{margin-top:18px;font-size:.85rem;color:var(--on-dark-faint);position:relative}

/* ---------- contact / form ---------- */
.contact-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:clamp(32px,5vw,48px);align-items:start}
.contact-info .line{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px}
.contact-info .line .ico{width:44px;height:44px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;flex:none}
.contact-info .line .ico svg{width:20px;height:20px}
.contact-info .line b{display:block;color:var(--ink)}
.contact-info .line span{color:var(--slate);font-size:.95rem}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.85rem;font-weight:600;color:var(--ink-3);margin-bottom:7px}
.field input,.field select,.field textarea{
  width:100%;padding:13px 15px;border:1px solid var(--line-2);border-radius:11px;font:inherit;font-size:.96rem;
  color:var(--ink);background:var(--bg-soft);transition:border .2s,box-shadow .2s,background .2s}
.field input::placeholder{color:var(--muted)}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50);background:#fff}
.check-line{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--slate);margin-bottom:14px}
.check-line input{margin-top:3px;accent-color:var(--blue);width:16px;height:16px;flex:none}
.check-line a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.form .secure{display:flex;gap:18px;flex-wrap:wrap;margin-top:14px;font-size:.84rem;color:var(--muted)}
.form .secure span{display:flex;align-items:center;gap:6px}
.form-note{font-size:.78rem;color:var(--muted);margin:14px 0 0}

/* ---------- footer ---------- */
.site-footer{background:var(--ink);color:var(--on-dark-soft);padding:64px 0 32px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
.site-footer .brand{color:#fff;margin-bottom:16px}
.site-footer > .wrap > .foot-grid p{font-size:.92rem;color:var(--on-dark-soft);max-width:36ch}
.foot-col h5{color:#fff;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.foot-col a{display:block;color:var(--on-dark-soft);font-size:.94rem;padding:5px 0;transition:color .2s}
.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.85rem;color:var(--on-dark-faint)}
.disclaimer{margin-top:24px;font-size:.78rem;color:var(--on-dark-faint);line-height:1.65;max-width:100%}

/* ---------- legal pages ---------- */
.legal{max-width:820px;margin:0 auto;padding:clamp(44px,6vw,84px) 24px}
.legal h1{margin-bottom:8px}
.legal .updated{color:var(--muted);font-size:.9rem;margin-bottom:40px}
.legal h2{font-size:1.45rem;margin:42px 0 14px}
.legal h3{font-size:1.12rem;margin:28px 0 10px}
.legal p,.legal li{font-size:.97rem;color:var(--slate);line-height:1.75}
.legal ul{list-style:disc;padding-left:22px;margin:0 0 16px}
.legal li{margin-bottom:6px}
.legal a{color:var(--blue);word-break:break-word;text-underline-offset:2px}
.legal a:hover{text-decoration:underline}
.legal .box{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin:18px 0}
.legal strong{color:var(--ink)}
.uppercase-block{background:var(--bg-soft);border:1px solid var(--line);padding:20px 22px;border-radius:var(--radius-sm);font-size:.9rem}
.uppercase-block p{font-size:.85rem}

/* ---------- reveal animation (progressive enhancement) ---------- */
.js .reveal{opacity:0;transform:translateY(20px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .js .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  *{animation-duration:.001ms!important;transition-duration:.001ms!important}
}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .stat-card{max-width:480px}
  .split{grid-template-columns:1fr;gap:32px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .contact-grid{grid-template-columns:1fr;gap:32px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
  .calc-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:760px){
  .nav-links,.nav-phone{display:none}
  .burger{display:flex}
  .nav-links.open{display:flex;position:absolute;top:var(--header-h);left:0;right:0;flex-direction:column;
    background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;gap:16px;box-shadow:var(--shadow);z-index:var(--z-menu)}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .req{grid-template-columns:1fr}
  .req .item{border-right:0;border-bottom:1px solid var(--line)}
  .req .item:last-child{border-bottom:0}
  .statband{grid-template-columns:1fr;gap:30px}
  .step{grid-template-columns:46px 1fr;gap:16px;padding:22px}
  .step .n{width:44px;height:44px;font-size:1.2rem}
  .risk{grid-template-columns:1fr;gap:18px}
  .foot-grid{grid-template-columns:1fr}
  .form .row{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr 1fr}
  .product-card .foot{flex-direction:column;align-items:flex-start;gap:10px}
  body{font-size:16px}
}
@media (max-width:380px){
  .calc-grid{grid-template-columns:1fr}
}