/* MUTUO GRUPPE.DE — Professional mutuo.ch-style design system v8.1 */

:root {
  --mu-blue: #0061ff;
  --mu-blue-deep: #0052d9;
  --mu-blue-nav: #0056e0;
  --mu-blue-soft: #e8f1ff;
  --mu-blue-hero: #eaf2ff;
  --mu-gold: #f8b333;
  --mu-gold-btn: #f5a623;
  --mu-navy: #0b2c5f;
  --mu-text: #1f2a37;
  --mu-text-soft: #5b6b7c;
  --mu-white: #ffffff;
  --mu-border: #d7e3f4;
  --mu-font: "Roboto", Arial, Helvetica, sans-serif;
  --mu-max: 1140px;
  --mu-shadow: 0 12px 32px rgba(0, 40, 120, 0.10);
  --mu-radius: 12px;
  --mu-section-y: 56px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--mu-font);
  color: var(--mu-text);
  background: #fff;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--mu-blue); text-decoration: none; }
ul { list-style: none; }
button, input, select, textarea { font: inherit; }
main { min-height: 45vh; overflow-x: hidden; }

.container {
  width: 100%;
  max-width: var(--mu-max);
  margin: 0 auto;
  padding: 0 16px;
}

/* Top languages */
.top-lang-bar {
  background: var(--mu-blue);
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.top-lang-inner {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 2px;
  min-height: 34px;
}
.top-lang-bar a {
  color: #fff;
  font-size: 13px;
  font-weight: 500;
  padding: 8px 10px;
  opacity: .92;
}
.top-lang-bar a:hover,
.top-lang-bar a.is-active { opacity: 1; text-decoration: underline; }
.lang-more { position: relative; }
.lang-more-menu {
  display: none;
  position: absolute;
  right: 0;
  top: 100%;
  background: #fff;
  min-width: 140px;
  box-shadow: var(--mu-shadow);
  border-radius: 4px;
  z-index: 80;
  overflow: hidden;
}
.lang-more:hover .lang-more-menu,
.lang-more:focus-within .lang-more-menu { display: block; }
.lang-more-menu a {
  display: block;
  color: var(--mu-navy) !important;
  padding: 10px 14px;
  opacity: 1 !important;
  text-decoration: none !important;
}
.lang-more-menu a:hover { background: var(--mu-blue-soft); }

/* Header */
.site-header { background: var(--mu-blue); color: #fff; }
.header-main {
  display: grid;
  grid-template-columns: 220px 1fr auto;
  gap: 18px;
  align-items: center;
  min-height: 96px;
  padding: 12px 0;
}
.brand-link { color: #fff !important; text-decoration: none !important; }
.brand-logo { height: 42px; width: auto; }
.brand-name {
  font-size: 38px;
  font-weight: 900;
  letter-spacing: -.03em;
  line-height: 1;
  color: #fff;
}
.brand-name span { color: var(--mu-gold); }
.brand-tag {
  margin-top: 4px;
  font-size: 12px;
  font-weight: 600;
  opacity: .95;
}
.header-center { text-align: center; }
.header-consult-label {
  color: var(--mu-gold);
  font-weight: 700;
  font-size: 15px;
  margin-bottom: 2px;
}
.header-phone {
  color: #fff !important;
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 800;
  letter-spacing: .01em;
  line-height: 1.05;
  white-space: nowrap;
}
.header-meta { display: flex; align-items: stretch; }
.header-meta-box {
  padding: 0 18px;
  border-left: 1px solid rgba(255,255,255,.22);
  min-width: 150px;
}
.header-meta-box:first-child { border-left: 0; padding-left: 0; }
.header-meta-label {
  color: var(--mu-gold);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: 4px;
}
.header-meta-text {
  font-size: 13px;
  font-weight: 600;
  line-height: 1.35;
  color: #fff;
}

/* Nav */
.main-nav {
  background: var(--mu-blue-nav);
  border-top: 1px solid rgba(255,255,255,.12);
  position: relative;
  z-index: 40;
}
.main-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  min-height: 50px;
}
.nav-toggle {
  display: none;
  background: transparent;
  border: 0;
  color: #fff;
  font-weight: 700;
  font-size: 15px;
  padding: 12px 0;
  cursor: pointer;
}
.nav-links {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  display: block;
  color: #fff !important;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 15px 12px;
  white-space: nowrap;
}
.nav-links > li > a:hover,
.nav-links > li > a.is-active { background: rgba(255,255,255,.1); }
.nav-dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 250px;
  background: #fff;
  box-shadow: var(--mu-shadow);
  z-index: 50;
  border-radius: 0 0 8px 8px;
  overflow: hidden;
}
.has-dd:hover > .nav-dropdown,
.has-dd:focus-within > .nav-dropdown,
.has-dd.open > .nav-dropdown { display: block; }
.nav-dropdown a {
  display: block;
  padding: 12px 16px;
  color: var(--mu-navy) !important;
  font-size: 14px;
  font-weight: 600;
  border-bottom: 1px solid #eef3fa;
}
.nav-dropdown a:hover { background: var(--mu-blue-soft); color: var(--mu-blue) !important; }
.nav-right { display: flex; align-items: center; gap: 8px; }
.social-link {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff !important;
  border: 1px solid rgba(255,255,255,.35);
}
.nav-contact-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #fff !important;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 10px 14px;
  border-left: 1px solid rgba(255,255,255,.18);
  margin-left: 6px;
}
.nav-contact-btn .icon { display: inline-flex; }

/* Hero mutuo.ch composition */
.hero-calc {
  background: linear-gradient(180deg, #eaf2ff 0%, #f7faff 55%, #ffffff 100%);
  padding: 18px 0 10px;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.15fr 0.95fr;
  gap: 10px;
  align-items: end;
}
.hero-man {
  position: relative;
  min-height: 460px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}
.hero-man img {
  width: min(100%, 460px);
  max-height: 500px;
  object-fit: contain;
  object-position: bottom center;
  filter: drop-shadow(0 18px 30px rgba(0,40,120,.16));
}
.hero-currency-badge {
  position: absolute;
  left: 4%;
  bottom: 14%;
  font-size: clamp(72px, 9vw, 118px);
  font-weight: 900;
  color: #f2c14e;
  text-shadow: 0 8px 0 rgba(180,120,0,.16), 0 14px 30px rgba(0,0,0,.12);
  letter-spacing: -.05em;
  line-height: .9;
  pointer-events: none;
  user-select: none;
  z-index: 2;
}
.hero-form {
  text-align: center;
  padding: 18px 8px 28px;
}
.hero-kicker {
  color: var(--mu-navy);
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 4px;
}
.hero-form h1 {
  color: var(--mu-blue);
  font-size: clamp(34px, 4vw, 48px);
  line-height: 1.05;
  font-weight: 800;
  margin-bottom: 8px;
}
.hero-sub {
  color: var(--mu-blue);
  font-size: 22px;
  font-weight: 600;
  margin-bottom: 18px;
}
.amount-box {
  position: relative;
  max-width: 420px;
  margin: 0 auto 14px;
}
.amount-box input {
  width: 100%;
  height: 64px;
  border: 2px solid #7eb0ff;
  border-radius: 4px;
  background: #fff;
  text-align: center;
  font-size: 34px;
  font-weight: 700;
  color: var(--mu-blue);
  outline: none;
  padding: 0 64px 0 16px;
}
.amount-box input:focus {
  border-color: var(--mu-blue);
  box-shadow: 0 0 0 4px rgba(0,97,255,.12);
}
.amount-suffix {
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--mu-blue);
  font-size: 28px;
  font-weight: 700;
}
.btn-orange {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  max-width: 420px;
  height: 58px;
  border: 0;
  border-radius: 4px;
  background: linear-gradient(180deg, #ffb84a 0%, #f5a623 100%);
  color: #fff !important;
  font-size: 22px;
  font-weight: 800;
  cursor: pointer;
  box-shadow: 0 8px 18px rgba(245,166,35,.28);
  transition: .2s ease;
  text-decoration: none !important;
}
.btn-orange:hover {
  background: linear-gradient(180deg, #ffc15d 0%, #e09410 100%);
  transform: translateY(-1px);
}
.hero-note {
  margin-top: 12px;
  color: var(--mu-navy);
  font-size: 14px;
  font-weight: 600;
  line-height: 1.45;
}
.press-wrap { margin-top: 18px; }
.press-title {
  color: var(--mu-navy);
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 8px;
}
.press-logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.press-logos img {
  height: 22px;
  width: auto;
  object-fit: contain;
  opacity: .92;
}
.rating-line {
  margin-top: 12px;
  color: var(--mu-navy);
  font-weight: 700;
  font-size: 14px;
  display: flex;
  gap: 8px;
  justify-content: center;
  align-items: center;
}
.stars { color: #f5b400; letter-spacing: 1px; }

.hero-benefits { padding: 28px 8px 34px; }
.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: var(--mu-blue);
  font-size: 18px;
  font-weight: 700;
  line-height: 1.35;
  margin-bottom: 16px;
}
.benefit-item .check {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid #2f80ed;
  color: #2f80ed;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 900;
  flex-shrink: 0;
  margin-top: 1px;
}
.badge-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 18px;
}
.trust-badge {
  width: 92px;
  text-align: center;
  color: var(--mu-blue);
  font-size: 12px;
  font-weight: 700;
}
.trust-badge img {
  width: 72px;
  height: 72px;
  object-fit: contain;
  margin: 0 auto 6px;
}

/* Sections */
.section { padding: 56px 0; }
.section-alt { background: #f7faff; }
.section-title {
  text-align: center;
  color: var(--mu-blue);
  font-size: clamp(26px, 3vw, 36px);
  font-weight: 800;
  margin-bottom: 10px;
}
.section-sub {
  text-align: center;
  color: var(--mu-text-soft);
  margin-bottom: 34px;
  font-size: 17px;
}
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.card {
  background: #fff;
  border: 1px solid var(--mu-border);
  border-radius: 12px;
  padding: 22px;
  box-shadow: 0 6px 18px rgba(10, 40, 100, 0.05);
}
.card h3, .card h4 { color: var(--mu-navy); margin-bottom: 8px; }
.card p { color: var(--mu-text-soft); font-size: 15px; }
.offer-card { text-align: center; transition: .2s ease; }
.offer-card:hover { transform: translateY(-4px); box-shadow: var(--mu-shadow); }
.offer-card img {
  width: 100%;
  height: 140px;
  object-fit: cover;
  border-radius: 8px;
  margin-bottom: 12px;
}
.offer-amount { font-size: 28px; font-weight: 800; color: var(--mu-navy); }
.offer-rate {
  display: inline-block;
  margin: 8px 0 14px;
  background: var(--mu-blue-soft);
  color: var(--mu-blue);
  font-weight: 800;
  border-radius: 999px;
  padding: 4px 12px;
  font-size: 14px;
}
.btn-blue {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--mu-blue);
  color: #fff !important;
  font-weight: 700;
  border-radius: 4px;
  padding: 12px 18px;
  border: 0;
  cursor: pointer;
}
.btn-blue:hover { background: var(--mu-blue-deep); }
.btn-full { width: 100%; }
.step { text-align: center; padding: 10px; }
.step-num {
  width: 52px; height: 52px; margin: 0 auto 12px;
  border-radius: 50%;
  background: var(--mu-blue);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 20px;
  box-shadow: 0 8px 18px rgba(0,97,255,.25);
}
.profile-card a { font-weight: 700; }
.page-hero, .mu-page-hero {
  background: linear-gradient(180deg, #eaf2ff 0%, #ffffff 100%);
  padding: 36px 0 28px;
  border-bottom: 1px solid #e5eefc;
}
.page-hero h1, .mu-page-hero h1 {
  color: var(--mu-blue);
  font-size: clamp(28px, 3.4vw, 40px);
  font-weight: 800;
  margin-bottom: 8px;
}
.page-hero p, .mu-page-hero p { color: var(--mu-text-soft); max-width: 720px; }
.breadcrumb, .mu-breadcrumb {
  color: #6b7c93;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 10px;
}
.cta-band, .mu-cta-banner {
  background: linear-gradient(90deg, #0052d9, #0061ff 55%, #2b7bff);
  color: #fff;
  text-align: center;
  padding: 48px 16px;
}
.cta-band h2, .mu-cta-banner h2 { color: #fff; font-size: 32px; margin-bottom: 10px; }
.cta-band p, .mu-cta-banner p { color: rgba(255,255,255,.9); margin-bottom: 18px; }
.faq-item, .mu-faq-item {
  border: 1px solid var(--mu-border);
  border-radius: 8px;
  background: #fff;
  margin-bottom: 10px;
  overflow: hidden;
}
.faq-item summary, .mu-faq-question {
  cursor: pointer;
  padding: 16px 18px;
  font-weight: 700;
  color: var(--mu-navy);
  list-style: none;
}
.faq-item summary::-webkit-details-marker,
.mu-faq-question::-webkit-details-marker { display: none; }
.faq-item .faq-a, .mu-faq-answer {
  padding: 0 18px 16px;
  color: var(--mu-text-soft);
}
.legal-note, .mu-legal-text {
  font-size: 12px;
  color: #7a8799;
  padding: 18px 0 28px;
  line-height: 1.5;
}

/* Compatibility with existing page classes */
.mu-form-group { margin-bottom: 14px; }
.mu-form-label { display:block; font-weight:700; margin-bottom:6px; color:var(--mu-navy); font-size:14px; }
.mu-form-input, .mu-form-select {
  width:100%; padding:12px 14px; border:1px solid #cfdced; border-radius:6px; background:#fff;
}
.mu-form-input:focus, .mu-form-select:focus {
  outline:none; border-color:var(--mu-blue); box-shadow:0 0 0 3px rgba(0,97,255,.12);
}
.mu-card, .mu-card-elevated, .mu-offer-card, .mu-profile-card, .mu-step {
  background:#fff; border:1px solid var(--mu-border); border-radius:12px; padding:20px;
}
.mu-btn, .mu-btn-primary, .mu-btn-blue, .mu-btn-dark, .mu-btn-outline, .mu-btn-outline-dark {
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:12px 20px; border-radius:4px; font-weight:700; border:0; cursor:pointer; text-decoration:none !important;
}
.mu-btn-primary { background:linear-gradient(180deg,#ffb84a,#f5a623); color:#fff !important; }
.mu-btn-blue, .mu-btn-dark { background:var(--mu-blue); color:#fff !important; }
.mu-btn-outline-dark { border:1px solid var(--mu-navy); color:var(--mu-navy)!important; background:#fff; }
.mu-btn-outline { border:1px solid #fff; color:#fff!important; background:transparent; }
.mu-btn-full { width:100%; }
.mu-btn-lg { padding:14px 24px; font-size:18px; }
.mu-btn-sm { padding:8px 14px; font-size:13px; }
.mu-section, .mu-section-alt, .mu-section-soft { padding:56px 0; }
.mu-section-alt, .mu-section-soft { background:#f7faff; }
.mu-container { width:100%; max-width:var(--mu-max); margin:0 auto; padding:0 16px; }
.mu-container-narrow { max-width:820px; margin:0 auto; padding:0 16px; }
.mu-grid-2 { display:grid; grid-template-columns:1fr 1fr; gap:24px; }
.mu-grid-3 { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.mu-grid-4 { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.mu-section-title { text-align:center; color:var(--mu-blue); font-size:clamp(26px,3vw,36px); font-weight:800; margin-bottom:10px; }
.mu-section-subtitle { text-align:center; color:var(--mu-text-soft); margin-bottom:34px; }
.mu-check { color:var(--mu-blue); font-weight:900; }
.mu-feature-list li { display:flex; gap:10px; align-items:flex-start; padding:8px 0; font-weight:600; color:var(--mu-navy); }
.mu-article { line-height:1.75; color:var(--mu-text-soft); }
.mu-article h2 { color:var(--mu-navy); margin:24px 0 10px; }
.mu-badge { display:inline-block; background:rgba(248,179,51,.18); color:#c47d00; font-weight:800; font-size:12px; padding:6px 12px; border-radius:999px; margin-bottom:10px; text-transform:uppercase; }
.mu-text-muted { color:var(--mu-text-soft); }
.mu-offer-amount { font-size:28px; font-weight:800; color:var(--mu-navy); }
.mu-offer-rate { color:var(--mu-blue); font-weight:800; }
.mu-step-number { width:52px; height:52px; border-radius:50%; background:var(--mu-blue); color:#fff; display:flex; align-items:center; justify-content:center; margin:0 auto 12px; font-weight:800; }
.mu-profile-icon { width:42px; height:42px; border-radius:10px; background:var(--mu-blue-soft); color:var(--mu-blue); display:flex; align-items:center; justify-content:center; font-weight:800; margin-bottom:10px; }
.mu-calc-title { font-weight:800; color:var(--mu-navy); margin-bottom:10px; }
.mu-calc-amount { font-size:32px; font-weight:800; color:var(--mu-blue); }
.mu-range { width:100%; margin:10px 0 16px; }
.mu-duration-options { display:flex; gap:8px; flex-wrap:wrap; margin-bottom:14px; }
.mu-duration-option { border:1px solid var(--mu-border); border-radius:999px; padding:8px 12px; font-weight:700; cursor:pointer; }
.mu-duration-option.active { background:var(--mu-blue); color:#fff; border-color:var(--mu-blue); }
.mu-calc-result { background:#f4f8ff; border-radius:8px; padding:14px; text-align:center; margin-bottom:12px; }
.mu-calc-result-amount { font-size:28px; font-weight:800; color:var(--mu-navy); }
.mu-calc-result-rate { color:var(--mu-blue); font-weight:700; font-size:14px; }
.mu-stat-big { font-size:56px; font-weight:900; color:var(--mu-gold); }
.mu-trust-badges { display:flex; gap:10px; flex-wrap:wrap; justify-content:center; margin-bottom:16px; }
.mu-trust-badge { background:var(--mu-blue-soft); color:var(--mu-blue); border-radius:999px; padding:8px 12px; font-weight:700; font-size:13px; }
.mu-content-shell { margin-top: -8px; }
.mu-stack { display:flex; flex-direction:column; gap:14px; }
.mu-video-wrapper, .mu-explainer-video-wrapper, .mu-about-video-wrapper, .mu-video-card-square {
  position:relative; width:100%; aspect-ratio:16/9; background:#000; border-radius:12px; overflow:hidden; box-shadow:var(--mu-shadow);
}
.mu-video-card-square { aspect-ratio:1/1; }
.mu-video-wrapper iframe, .mu-explainer-video-wrapper iframe, .mu-about-video-wrapper iframe, .mu-video-card-square iframe,
.mu-video-wrapper video, .mu-explainer-video-wrapper video, .mu-about-video-wrapper video, .mu-video-card-square video {
  position:absolute; inset:0; width:100%; height:100%; border:0;
}
.mu-testimonial-video-grid { display:grid; grid-template-columns:1fr 1fr; gap:28px; align-items:center; }
.mu-quote-box { background:var(--mu-blue); color:#fff; border-radius:18px; padding:28px; }
.mu-quote-text { color:#fff !important; font-size:18px; font-weight:600; }
.mu-quote-icon { font-size:42px; line-height:1; opacity:.8; }
.mu-quote-arrow { width:0; height:0; border-left:14px solid transparent; border-right:14px solid transparent; border-top:14px solid var(--mu-blue); margin-left:28px; }
.mu-customer-selector { display:flex; gap:12px; align-items:center; margin-top:14px; flex-wrap:wrap; }
.mu-customer-avatar { width:42px; height:42px; border-radius:50%; object-fit:cover; border:2px solid #fff; box-shadow:0 2px 8px rgba(0,0,0,.12); margin-left:-6px; }
.mu-customer-avatar:first-child { margin-left:0; }
.mu-customer-name { font-weight:800; color:var(--mu-navy); }
.mu-accent-line { width:48px; height:4px; background:var(--mu-gold); display:inline-block; border-radius:3px; margin-bottom:10px; }
.mu-blog-card { background:#fff; border:1px solid var(--mu-border); border-radius:10px; overflow:hidden; }
.mu-blog-card-img { height:170px; background:var(--mu-blue-soft); overflow:hidden; }
.mu-blog-card-img img { width:100%; height:100%; object-fit:cover; }
.mu-blog-card-body { padding:16px; }
.mu-stars { color:#f5b400; }
.mu-hero { background:linear-gradient(180deg,#eaf2ff,#fff); padding:40px 0; }
.mu-reveal { opacity:1; transform:none; }
.mu-mobile-cta { display:none; }

/* Footer */
.site-footer {
  background: #0b2c5f;
  color: #c9d7ea;
  border-top: 4px solid var(--mu-gold);
  padding: 48px 0 20px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 24px;
}
.site-footer h4 { color: #fff; margin-bottom: 14px; font-size: 15px; }
.site-footer a { color: #c9d7ea; }
.site-footer a:hover { color: var(--mu-gold); }
.site-footer li { margin-bottom: 8px; }
.footer-brand {
  font-size: 28px;
  font-weight: 900;
  color: #fff;
  margin-bottom: 10px;
}
.footer-brand span { color: var(--mu-gold); }
.footer-lead { color:#fff; font-weight:700; margin-bottom:10px; }
.footer-text { font-size:14px; line-height:1.6; }
.footer-phone { color:#f8b333 !important; font-size:18px; font-weight:800; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 28px;
  padding-top: 16px;
  text-align: center;
  font-size: 12px;
  color: #8ea0b8;
}

/* Responsive */
@media (max-width: 1100px) {
  .header-main { grid-template-columns: 1fr auto; }
  .header-center { grid-column: 1 / -1; order: 3; text-align: left; }
  .hero-grid { grid-template-columns: 1fr 1fr; }
  .hero-man { grid-column: 1 / -1; min-height: 320px; order: -1; }
  .grid-4, .mu-grid-4, .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .header-main { grid-template-columns: 1fr; gap: 10px; }
  .header-meta { justify-content: flex-start; flex-wrap: wrap; }
  .header-meta-box { border-left: 0; padding: 0 16px 0 0; }
  .header-phone { font-size: 28px; }
  .nav-toggle { display: inline-flex; }
  .nav-links {
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: stretch;
    background: #0052d9;
    position: absolute;
    left: 0; right: 0;
    top: 100%;
    z-index: 60;
    max-height: 70vh;
    overflow: auto;
  }
  .nav-links.open { display: flex; }
  .nav-right { display: none; }
  .nav-dropdown { position: static; box-shadow: none; }
  .hero-grid, .grid-2, .grid-3, .grid-4,
  .mu-grid-2, .mu-grid-3, .mu-grid-4,
  .mu-testimonial-video-grid, .footer-grid { grid-template-columns: 1fr; }
  .hero-man { min-height: 280px; }
  .hero-currency-badge { font-size: 84px; left: 2%; bottom: 10%; }
  .benefit-item { font-size: 16px; }
  .mu-mobile-cta {
    display: block;
    position: fixed;
    left: 10px; right: 10px; bottom: 10px;
    z-index: 100;
    background: rgba(11,44,95,0.95);
    border-radius: 10px;
    padding: 8px;
  }
  .mu-mobile-cta .btn-orange { max-width: none; height: 48px; font-size: 18px; }
  body { padding-bottom: 72px; }
}


/* Reviews block (mutuo.ch structure) */
.reviews-block { background:#fff; }
.reviews-grid {
  display:grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 36px;
  align-items: start;
}
.review-panel {
  background:#f7faff;
  border:1px solid var(--mu-border);
  border-radius:16px;
  padding:22px;
}
.review-tabs-content { min-height: 140px; margin-bottom: 18px; }
.review-pane { display:none; color:var(--mu-text); font-size:17px; line-height:1.7; font-weight:500; }
.review-pane.is-active { display:block; }
.review-tabs {
  display:grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap:10px;
}
.review-tab {
  display:flex;
  align-items:center;
  gap:10px;
  text-align:left;
  background:#fff;
  border:1px solid var(--mu-border);
  border-radius:12px;
  padding:8px;
  cursor:pointer;
  transition:.2s ease;
}
.review-tab img {
  width:44px; height:44px; border-radius:50%; object-fit:cover; flex-shrink:0;
}
.review-tab span { font-size:13px; font-weight:700; color:var(--mu-navy); line-height:1.25; }
.review-tab small { color:var(--mu-text-soft); font-weight:600; }
.review-tab.is-active, .review-tab:hover {
  border-color: var(--mu-blue);
  box-shadow: 0 8px 18px rgba(0,97,255,.12);
}
.review-video {
  position:relative;
  width:100%;
  aspect-ratio:1/1;
  border-radius:18px;
  overflow:hidden;
  background:#000;
  box-shadow: var(--mu-shadow);
  border:4px solid #fff;
}
.review-video iframe { position:absolute; inset:0; width:100%; height:100%; border:0; }

.extended-video-block .extended-video-frame {
  position:relative;
  width:min(100%, 900px);
  margin: 0 auto;
  aspect-ratio: 16/9;
  border-radius: 18px;
  overflow:hidden;
  background:#000;
  box-shadow: var(--mu-shadow);
  border:4px solid #fff;
}
.extended-video-frame iframe { position:absolute; inset:0; width:100%; height:100%; border:0; }

/* Ensure euro badge never shows € leftovers */
.hero-currency-badge {
  font-family: Arial Black, Arial, sans-serif;
  color:#f2c14e !important;
}
.amount-suffix { font-family: Arial, sans-serif; }

@media (max-width: 992px) {
  .reviews-grid { grid-template-columns: 1fr; }
  .review-video { max-width: 420px; margin: 0 auto; }
  .review-tabs { grid-template-columns: repeat(2, minmax(0,1fr)); }
}


/* === Full homepage sections v9 === */
.section-compact { padding: 14px 0; }
.legal-strip {
  background: #f3f7ff;
  border-top: 1px solid #e5eefc;
  border-bottom: 1px solid #e5eefc;
}
.legal-strip p {
  margin: 0;
  color: #5b6b7c;
  font-size: 13px;
  line-height: 1.5;
  text-align: center;
}
.lead {
  color: var(--mu-text-soft);
  font-size: 17px;
  margin-bottom: 16px;
  line-height: 1.7;
}
.media-rounded {
  width: 100%;
  border-radius: 16px;
  box-shadow: var(--mu-shadow);
  object-fit: cover;
}
.offer-cost {
  color: var(--mu-text-soft);
  font-size: 14px;
  margin: 4px 0 8px;
}
.partners-block { background: #fff; }
.partners-row {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  opacity: .9;
}
.partners-row img { height: 28px; width: auto; object-fit: contain; }

.section-head-row {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 16px;
  flex-wrap: wrap;
}
.text-link {
  color: var(--mu-blue);
  font-weight: 700;
  font-size: 14px;
}
.blog-card { padding: 0; overflow: hidden; transition: .2s ease; }
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--mu-shadow); }
.blog-card a { color: inherit; display:block; }
.blog-card-img { height: 160px; overflow: hidden; background: #e8f1ff; }
.blog-card-img img { width:100%; height:100%; object-fit: cover; }
.blog-card-body { padding: 16px 18px 18px; }
.blog-card-body h3 {
  color: var(--mu-navy);
  font-size: 17px;
  line-height: 1.35;
  margin-bottom: 10px;
  font-weight: 800;
}

.contacts-block { background: #fff; }
.contact-list { display: grid; gap: 14px; margin-top: 8px; }
.contact-item {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 10px;
  padding: 12px 0;
  border-bottom: 1px dashed var(--mu-border);
}
.contact-item strong { color: var(--mu-navy); }
.contact-item a { font-weight: 700; }

.profile-link { display:block; height:100%; text-decoration:none !important; }
.profile-link:hover { border-color:#9fc0ff; }

.steps-rich { align-items: stretch; }
.step-card {
  background:#fff;
  border:1px solid var(--mu-border);
  border-radius: 14px;
  padding: 22px 16px;
  text-align:center;
  box-shadow: 0 6px 18px rgba(10,40,100,.05);
}
.step-card img {
  width: 54px;
  height: 54px;
  object-fit: contain;
  margin: 0 auto 10px;
}
.step-card .step-num {
  width: 36px; height: 36px; margin: 0 auto 10px;
  border-radius: 50%;
  background: var(--mu-blue);
  color:#fff;
  display:flex; align-items:center; justify-content:center;
  font-weight: 800;
}
.step-card h4 { margin-bottom: 8px; color: var(--mu-navy); }
.step-card p { color: var(--mu-text-soft); font-size: 14px; margin:0; }

.example-card {
  max-width: 760px;
  margin: 0 auto;
  text-align: left;
}
.example-card h3 { color: var(--mu-blue); margin-bottom: 10px; }
.example-card ul { margin: 12px 0 16px; padding-left: 18px; color: var(--mu-text-soft); }
.example-card li { margin: 6px 0; list-style: disc; }
.small-note { font-size: 13px; color:#7a8799; margin-bottom: 16px; }

/* Hide any residual currency badge element if present */
.hero-currency-badge { display: none !important; }

/* Hero man without overlaid fake € */
.hero-man { min-height: 420px; }
.hero-man img {
  width: min(100%, 520px);
  max-height: 500px;
  object-fit: contain;
}

@media (max-width: 900px) {
  .contact-item { grid-template-columns: 1fr; gap: 4px; }
  .partners-row { gap: 18px; }
  .blog-card-img { height: 180px; }
}


/* Radical € fix: euro badge overlay, never baked into photo */
.hero-man { position: relative; min-height: 420px; }
.hero-man > img:first-child {
  width: min(100%, 520px);
  max-height: 500px;
  object-fit: contain;
  object-position: bottom center;
  margin: 0 auto;
}
.hero-euro-badge {
  position: absolute !important;
  left: 6% !important;
  bottom: 12% !important;
  width: clamp(110px, 18vw, 170px) !important;
  height: auto !important;
  max-width: 40% !important;
  pointer-events: none !important;
  z-index: 5 !important;
  filter: drop-shadow(0 10px 18px rgba(0,0,0,.18));
}
.hero-currency-badge { display:none !important; }


/* ═══════════════════════════════════════════
   MUTUO.DE SIMULATOR — mutuo.ch structure, EUR
   ═══════════════════════════════════════════ */
.mu-sim {
  --sim-blue: #0061ff;
  --sim-navy: #0b2c5f;
  --sim-orange: #f5a623;
  --sim-bg: #ffffff;
  --sim-soft: #f4f8ff;
  --sim-border: #d7e3f4;
  background: var(--sim-bg);
  border: 1px solid var(--sim-border);
  border-radius: 18px;
  box-shadow: 0 14px 40px rgba(10,40,100,.08);
  padding: 22px;
}
.mu-sim-full { padding: 28px; }
.mu-sim-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.85fr;
  gap: 28px;
  align-items: start;
}
.mu-sim-compact .mu-sim-grid { grid-template-columns: 1fr; }
.mu-sim-head { margin-bottom: 18px; }
.mu-sim-title {
  color: var(--sim-blue);
  font-size: clamp(1.5rem, 2.4vw, 2rem);
  font-weight: 800;
  margin: 0 0 6px;
}
.mu-sim-sub { color: #5b6b7c; margin: 0; }
.mu-sim-field { margin-bottom: 18px; }
.mu-sim-label {
  display: block;
  font-size: 14px;
  font-weight: 700;
  color: #5b6b7c;
  margin-bottom: 8px;
}
.mu-sim-amount-row {
  display: grid;
  grid-template-columns: 48px 1fr 48px;
  gap: 10px;
  align-items: center;
}
.mu-sim-step {
  width: 48px; height: 48px;
  border-radius: 12px;
  border: 1px solid var(--sim-border);
  background: #fff;
  color: var(--sim-blue);
  font-size: 24px;
  font-weight: 700;
  cursor: pointer;
  line-height: 1;
}
.mu-sim-step:hover { background: var(--sim-soft); border-color: #9fc0ff; }
.mu-sim-amount-box {
  position: relative;
  display: flex;
  align-items: center;
}
.mu-sim-amount-input {
  width: 100%;
  height: 56px;
  border: 2px solid #7eb0ff;
  border-radius: 10px;
  text-align: center;
  font-size: 28px;
  font-weight: 800;
  color: var(--sim-blue);
  padding: 0 48px 0 12px;
  outline: none;
  background: #fff;
}
.mu-sim-amount-input:focus {
  border-color: var(--sim-blue);
  box-shadow: 0 0 0 4px rgba(0,97,255,.12);
}
.mu-sim-currency {
  position: absolute;
  right: 14px;
  color: var(--sim-blue);
  font-weight: 800;
  font-size: 22px;
}
.mu-sim-minmax {
  display: flex;
  justify-content: space-between;
  color: #8494a7;
  font-size: 12px;
  font-weight: 600;
  margin: 8px 2px 6px;
}
.mu-sim-range {
  width: 100%;
  height: 8px;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(90deg, #0061ff, #4d94ff);
  border-radius: 999px;
  outline: none;
  cursor: pointer;
}
.mu-sim-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid #0061ff;
  box-shadow: 0 4px 12px rgba(0,97,255,.35);
  cursor: pointer;
}
.mu-sim-range::-moz-range-thumb {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid #0061ff;
  cursor: pointer;
}
.mu-sim-months {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.mu-sim-month {
  min-width: 52px;
  padding: 10px 12px;
  border-radius: 999px;
  border: 1.5px solid var(--sim-border);
  background: #fff;
  color: var(--sim-navy);
  font-weight: 700;
  cursor: pointer;
  transition: .15s ease;
}
.mu-sim-month:hover { border-color: #9fc0ff; }
.mu-sim-month.is-active {
  background: var(--sim-blue);
  border-color: var(--sim-blue);
  color: #fff;
  box-shadow: 0 8px 18px rgba(0,97,255,.22);
}
.mu-sim-result {
  background: linear-gradient(180deg, #f7faff 0%, #eef4ff 100%);
  border: 1px solid #d9e8ff;
  border-radius: 14px;
  text-align: center;
  padding: 16px;
  margin: 8px 0 16px;
}
.mu-sim-result-label {
  font-size: 13px;
  font-weight: 700;
  color: #5b6b7c;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.mu-sim-result-value {
  font-size: clamp(2rem, 4vw, 2.6rem);
  font-weight: 900;
  color: var(--sim-navy);
  letter-spacing: -.03em;
  line-height: 1.15;
}
.mu-sim-result-value small {
  font-size: 1rem;
  font-weight: 600;
  color: #8494a7;
}
.mu-sim-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 54px;
  border: 0;
  border-radius: 8px;
  background: linear-gradient(180deg, #ffb84a 0%, #f5a623 100%);
  color: #fff;
  font-size: 18px;
  font-weight: 800;
  cursor: pointer;
  box-shadow: 0 10px 22px rgba(245,166,35,.28);
}
.mu-sim-cta:hover { filter: brightness(1.03); transform: translateY(-1px); }
.mu-sim-disclaimer {
  margin-top: 14px;
  font-size: 13px;
  color: #5b6b7c;
  line-height: 1.55;
}
.mu-sim-disclaimer p { margin: 0 0 6px; }
.mu-sim-disclaimer a { color: var(--sim-blue); font-weight: 700; }
.mu-sim-side {
  background: var(--sim-soft);
  border: 1px solid #e5eefc;
  border-radius: 16px;
  padding: 22px 18px;
}
.mu-sim-benefits { list-style: none; margin: 0; padding: 0; }
.mu-sim-benefits li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 10px 0;
  border-bottom: 1px dashed #d7e3f4;
  color: var(--sim-navy);
  font-weight: 700;
  font-size: 15px;
}
.mu-sim-check {
  width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 2px solid #2f80ed; color: #2f80ed;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 900; flex-shrink: 0;
}
.mu-sim-badges {
  display: flex; gap: 10px; flex-wrap: wrap; margin-top: 16px;
}
.mu-sim-badge {
  width: 88px; text-align: center; color: var(--sim-blue);
  font-size: 12px; font-weight: 700;
}
.mu-sim-badge img { width: 64px; height: 64px; object-fit: contain; margin: 0 auto 4px; display:block; }

.mu-sim-page {
  background: linear-gradient(180deg, #eaf2ff 0%, #ffffff 40%);
  padding: 28px 0 56px;
}
.mu-sim-page-wrap { max-width: 1100px; margin: 0 auto; padding: 0 16px; }

@media (max-width: 900px) {
  .mu-sim-grid { grid-template-columns: 1fr; }
  .mu-sim-amount-input { font-size: 24px; height: 52px; }
  .mu-sim-month { min-width: 46px; padding: 9px 10px; }
}




/* Contacts block clean v14 */
.contacts-block { background:#fff; }
.contacts-head { margin-bottom: 18px; }
.contacts-lead {
  color:#5b6b7c;
  font-size:17px;
  margin: 8px 0 0;
}
.contacts-phone-banner {
  background: linear-gradient(135deg, #0061ff 0%, #0047c2 55%, #0b2c5f 120%);
  color:#fff;
  border-radius: 20px;
  padding: 28px 24px;
  text-align: center;
  box-shadow: 0 16px 40px rgba(0,97,255,.22);
  margin-bottom: 22px;
}
.contacts-phone-banner-label {
  color: #ffc400;
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.contacts-phone-banner-number {
  display:inline-block;
  color:#fff !important;
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 900;
  letter-spacing: -0.02em;
  text-decoration: none !important;
  line-height: 1.1;
  margin-bottom: 16px;
}
.contacts-phone-banner-number:hover { color:#ffc400 !important; }
.contacts-phone-banner-actions {
  display:flex;
  justify-content:center;
  gap:10px;
  flex-wrap:wrap;
}
.contacts-phone-banner-actions .btn-orange,
.contacts-phone-banner-actions .btn-blue {
  min-width: 150px;
  height: 46px;
  padding: 0 18px;
}
.contacts-phone-banner-actions .btn-blue {
  background: rgba(255,255,255,.12) !important;
  border: 1px solid rgba(255,255,255,.35);
  color:#fff !important;
}
.contacts-phone-banner-actions .btn-blue:hover {
  background:#fff !important;
  color:#0b2c5f !important;
}
.contacts-info-row {
  display:grid;
  grid-template-columns: repeat(5, minmax(0,1fr));
  gap: 12px;
  margin-bottom: 22px;
}
.contact-tile {
  background:#f4f8ff;
  border:1px solid #e5eefc;
  border-radius:16px;
  padding:18px 12px;
  text-align:center;
}
.contact-tile:hover {
  border-color:#b9d0f5;
  box-shadow: 0 10px 24px rgba(10,40,100,.08);
}
.contact-ico {
  width:48px; height:48px; margin:0 auto 10px;
  border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  background:#fff;
  border:1px solid #d7e3f4;
  font-size:20px;
}
.contact-tile-title {
  font-weight:800;
  color:#0b2c5f;
  margin-bottom:6px;
  font-size:14px;
}
.contact-tile-text {
  color:#5b6b7c;
  font-size:14px;
  line-height:1.45;
  font-weight:600;
}
.contact-tile-text a {
  color:#0061ff !important;
  font-weight:800;
  text-decoration:none !important;
}
.contact-tile-link {
  display:inline-block;
  margin-top:8px;
  color:#0061ff !important;
  font-weight:700;
  font-size:13px;
}
.contacts-copy-grid {
  display:grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 20px;
  align-items: stretch;
}
.contacts-copy-grid p {
  color:#5b6b7c;
  font-size:16px;
  line-height:1.7;
  margin:0 0 12px;
}
.contacts-side-card {
  background: linear-gradient(180deg,#f7faff,#eef4ff);
  border:1px solid #d9e8ff;
  border-radius:16px;
  padding:18px;
}
.contacts-side-title {
  font-weight:800;
  color:#0b2c5f;
  margin-bottom:12px;
  font-size:16px;
}
.contacts-full-btn {
  width:100%;
  max-width:none;
  height:48px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
}
@media (max-width: 1100px) {
  .contacts-info-row { grid-template-columns: repeat(3, minmax(0,1fr)); }
}
@media (max-width: 900px) {
  .contacts-copy-grid { grid-template-columns: 1fr; }
  .contacts-info-row { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .contacts-phone-banner-number { font-size: 2rem; }
}
@media (max-width: 520px) {
  .contacts-info-row { grid-template-columns: 1fr; }
}



/* ==== MOBILE FIX v15 — phone-first cleanup ==== */
.header-call-btn { display: none; }

html, body {
  max-width: 100%;
  overflow-x: hidden;
}
img, svg, video, iframe {
  max-width: 100%;
  height: auto;
}
.container,
.mu-container,
.mu-sim-page-wrap {
  padding-left: 16px;
  padding-right: 16px;
}

/* Top languages: compact on small screens */
@media (max-width: 900px) {
  .top-lang-bar { font-size: 12px; }
  .top-lang-inner {
    justify-content: flex-start;
    gap: 0;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    flex-wrap: nowrap;
    min-height: 36px;
  }
  .top-lang-bar a {
    padding: 8px 10px;
    white-space: nowrap;
    flex: 0 0 auto;
  }

  /* HEADER: 2-row compact, not giant blue wall */
  .site-header { position: relative; z-index: 50; }
  .header-main {
    display: grid !important;
    grid-template-columns: 1fr auto !important;
    grid-template-areas:
      "brand call"
      "phone phone" !important;
    gap: 8px 12px !important;
    min-height: auto !important;
    padding: 10px 0 12px !important;
    align-items: center !important;
  }
  .brand-link { grid-area: brand; }
  .brand-logo { height: 32px !important; width: auto !important; }
  .brand-name { font-size: 28px !important; }
  .brand-tag { display: none !important; }

  .header-center {
    grid-area: phone !important;
    text-align: left !important;
    order: initial !important;
    grid-column: auto !important;
  }
  .header-consult-label {
    font-size: 11px !important;
    margin-bottom: 0 !important;
  }
  .header-phone {
    font-size: 1.35rem !important;
    white-space: nowrap !important;
    letter-spacing: 0 !important;
  }

  .header-meta { display: none !important; } /* hide hours/address on phone */
  .header-call-btn {
    grid-area: call;
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: rgba(255,255,255,.14);
    border: 1px solid rgba(255,255,255,.28);
    color: #fff !important;
    text-decoration: none !important;
    font-size: 20px;
  }

  /* NAV */
  .main-nav { position: relative; z-index: 60; }
  .main-nav-inner {
    min-height: 48px;
    gap: 8px;
  }
  .nav-toggle {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 40px;
    border-radius: 10px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    color: #fff !important;
    font-size: 20px;
    padding: 0 !important;
  }
  .nav-right { display: none !important; }
  .nav-links {
    display: none;
    position: absolute;
    left: 0; right: 0;
    top: 100%;
    background: #0047c2;
    flex-direction: column;
    align-items: stretch;
    max-height: min(70vh, 520px);
    overflow-y: auto;
    box-shadow: 0 16px 30px rgba(0,0,0,.25);
    z-index: 80;
  }
  .nav-links.open { display: flex !important; }
  .nav-links > li > a {
    min-height: 48px;
    padding: 14px 18px !important;
    border-bottom: 1px solid rgba(255,255,255,.1);
    font-size: 14px !important;
    white-space: normal !important;
  }
  .nav-dropdown {
    position: static !important;
    box-shadow: none !important;
    background: rgba(0,0,0,.15) !important;
    border-radius: 0 !important;
  }
  .nav-dropdown a {
    color: #fff !important;
    padding-left: 28px !important;
    border-bottom-color: rgba(255,255,255,.08) !important;
  }

  /* HERO: stack cleanly */
  .hero-calc {
    padding: 18px 0 10px !important;
  }
  .hero-grid {
    display: flex !important;
    flex-direction: column !important;
    gap: 18px !important;
  }
  .hero-man {
    order: 0;
    min-height: 0 !important;
    max-width: 280px;
    margin: 0 auto;
    width: 100%;
  }
  .hero-man > img:first-child {
    width: 100% !important;
    max-height: 260px !important;
    object-fit: contain !important;
  }
  .hero-euro-badge {
    left: 4% !important;
    bottom: 8% !important;
    width: 88px !important;
  }
  .hero-form {
    order: 1;
    padding: 8px 0 10px !important;
    text-align: center;
  }
  .hero-form h1 {
    font-size: 1.8rem !important;
    line-height: 1.15 !important;
    margin-bottom: 8px !important;
  }
  .hero-kicker { font-size: 14px !important; }
  .hero-sub {
    font-size: 1.05rem !important;
    margin-bottom: 14px !important;
  }
  .amount-box { max-width: 100% !important; }
  .amount-box input {
    height: 56px !important;
    font-size: 1.6rem !important;
  }
  .amount-suffix { font-size: 1.3rem !important; }
  .btn-orange {
    max-width: 100% !important;
    height: 52px !important;
    font-size: 1.1rem !important;
  }
  .hero-note { font-size: 13px !important; }
  .press-logos {
    gap: 10px !important;
    justify-content: center;
  }
  .press-logos img { height: 16px !important; }
  .rating-line {
    flex-wrap: wrap;
    font-size: 13px !important;
    gap: 6px !important;
  }
  .hero-benefits {
    order: 2;
    padding: 8px 0 16px !important;
  }
  .benefit-item {
    font-size: 15px !important;
    margin-bottom: 10px !important;
    text-align: left;
  }
  .badge-row {
    justify-content: center;
    gap: 10px !important;
  }
  .trust-badge { width: 84px; }
  .trust-badge img { width: 58px; height: 58px; }

  /* generic grids */
  .grid-2, .grid-3, .grid-4,
  .mu-grid-2, .mu-grid-3, .mu-grid-4,
  .mu-testimonial-video-grid,
  .reviews-grid,
  .footer-grid,
  .contacts-copy-grid {
    grid-template-columns: 1fr !important;
  }
  .section, .mu-section, .mu-section-alt, .mu-section-soft {
    padding: 36px 0 !important;
  }
  .section-title, .mu-section-title {
    font-size: 1.45rem !important;
    line-height: 1.25 !important;
  }
  .section-sub, .mu-section-subtitle {
    font-size: 15px !important;
    margin-bottom: 20px !important;
  }

  /* simulator mobile */
  .mu-sim { padding: 16px !important; border-radius: 14px !important; }
  .mu-sim-grid { grid-template-columns: 1fr !important; gap: 16px !important; }
  .mu-sim-amount-row {
    grid-template-columns: 44px 1fr 44px !important;
    gap: 8px !important;
  }
  .mu-sim-step { width: 44px !important; height: 44px !important; }
  .mu-sim-amount-input {
    height: 50px !important;
    font-size: 1.35rem !important;
  }
  .mu-sim-months { gap: 6px !important; }
  .mu-sim-month {
    min-width: 44px !important;
    padding: 8px 8px !important;
    font-size: 13px !important;
  }
  .mu-sim-result-value { font-size: 2rem !important; }
  .mu-sim-cta { height: 50px !important; font-size: 16px !important; }
  .mu-sim-side { padding: 14px !important; }

  /* contacts */
  .contacts-phone-banner { padding: 20px 14px !important; border-radius: 16px !important; }
  .contacts-phone-banner-number { font-size: 1.55rem !important; }
  .contacts-phone-banner-actions { gap: 8px !important; }
  .contacts-phone-banner-actions .btn-orange,
  .contacts-phone-banner-actions .btn-blue {
    min-width: 0 !important;
    flex: 1 1 140px;
    height: 44px !important;
  }
  .contacts-info-row {
    grid-template-columns: 1fr 1fr !important;
    gap: 10px !important;
  }
  .contact-tile { padding: 14px 10px !important; }

  /* cards / offers / blog */
  .card, .mu-card, .offer-card, .blog-card, .step-card, .profile-card {
    padding: 16px !important;
  }
  .offer-amount { font-size: 1.5rem !important; }
  .blog-card-img { height: 160px !important; }

  /* reviews */
  .review-tabs { grid-template-columns: 1fr 1fr !important; }
  .review-video { max-width: 100% !important; aspect-ratio: 1/1; }
  .review-tab span { font-size: 12px !important; }

  /* footer */
  .site-footer { padding: 36px 0 20px !important; }
  .footer-brand { font-size: 22px !important; }

  /* sticky mobile CTA shouldn't cover content badly */
  .mu-mobile-cta {
    display: block !important;
    left: 10px; right: 10px; bottom: 10px;
    padding: 8px;
  }
  .mu-mobile-cta .btn-orange,
  .mu-mobile-cta a {
    width: 100%;
    height: 48px;
    font-size: 16px !important;
  }
  body { padding-bottom: 78px !important; }

  /* legal strip */
  .legal-strip p {
    font-size: 12px !important;
    text-align: left !important;
  }

  /* page hero */
  .mu-page-hero, .page-hero {
    padding: 24px 0 18px !important;
  }
  .mu-page-hero h1, .page-hero h1 {
    font-size: 1.6rem !important;
  }
}

@media (max-width: 520px) {
  .header-phone { font-size: 1.2rem !important; }
  .hero-form h1 { font-size: 1.55rem !important; }
  .contacts-info-row { grid-template-columns: 1fr !important; }
  .review-tabs { grid-template-columns: 1fr !important; }
  .press-wrap { margin-top: 12px !important; }
  .hero-man { max-width: 230px; }
  .hero-euro-badge { width: 72px !important; }
  .top-lang-bar a { padding: 8px 8px; font-size: 11px; }
}

/* Prevent desktop meta from reappearing wrongly between breakpoints */
@media (min-width: 901px) {
  .header-call-btn { display: none !important; }
}


/* Personalized simulator profile UI */
.mu-sim-profile-pill {
  display:inline-flex;
  align-items:center;
  gap:6px;
  background: rgba(0,97,255,.10);
  color:#0061ff;
  border:1px solid rgba(0,97,255,.18);
  border-radius:999px;
  padding:6px 12px;
  font-size:12px;
  font-weight:800;
  letter-spacing:.02em;
  margin-bottom:10px;
}
.mu-sim-blurb {
  color:#5b6b7c;
  font-size:14px;
  margin: 6px 0 0;
  line-height:1.55;
}
.mu-sim-result-note {
  margin-top:4px;
  font-size:12px;
  color:#8494a7;
  font-weight:600;
}
.mu-sim-side-title {
  font-weight:800;
  color:#0b2c5f;
  margin-bottom:10px;
}
.mu-sim-profile-festangestellte .mu-sim-profile-pill,
.mu-sim-profile-top .mu-sim-profile-pill { background:rgba(248,179,51,.16); color:#b45309; border-color:rgba(248,179,51,.35); }
.mu-sim-profile-abloesen .mu-sim-profile-pill { background:rgba(15,157,110,.12); color:#0f9d6e; border-color:rgba(15,157,110,.25); }
.mu-sim-profile-autokredit .mu-sim-profile-pill { background:rgba(0,97,255,.12); color:#0052d9; }
.mu-sim-profile-kleinkredit .mu-sim-profile-pill { background:rgba(124,58,237,.10); color:#6d28d9; border-color:rgba(124,58,237,.2); }


/* FAQ polish v17 */
.faq-item, .mu-faq-item {
  border: 1px solid #d7e3f4;
  border-radius: 14px;
  background: #fff;
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-item summary,
.mu-faq-question {
  cursor: pointer;
  list-style: none;
  padding: 16px 18px;
  font-weight: 800;
  color: #0b2c5f;
  position: relative;
  padding-right: 48px;
  line-height: 1.35;
}
.faq-item summary::-webkit-details-marker,
.mu-faq-question::-webkit-details-marker { display: none; }
.faq-item summary::after,
.mu-faq-question::after {
  content: '+';
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #e8f1ff;
  color: #0061ff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 700;
}
.faq-item[open] summary::after,
.mu-faq-item[open] .mu-faq-question::after {
  content: '−';
  background: #0061ff;
  color: #fff;
}
.faq-item .faq-a,
.mu-faq-answer {
  padding: 0 18px 16px;
  color: #5b6b7c;
  line-height: 1.7;
  font-size: 15px;
}
@media (max-width: 900px) {
  .faq-item summary,
  .mu-faq-question {
    font-size: 15px;
    padding: 14px 16px;
    padding-right: 46px;
  }
}


/* ==== FOOTER mutuo.ch structure — DE version v18 ==== */
.mu-footer-ch {
  background: #0a2f5c;
  color: #c9d7ea;
  border-top: 0;
  padding: 0;
}
.mu-footer-ch a { color: #d7e6f8; text-decoration: none; }
.mu-footer-ch a:hover { color: #ffc400; }

.footer-desktop { display: block; padding: 36px 0 28px; }
.footer-mobile { display: none; padding: 28px 16px 32px; text-align: center; }

.footer-top {
  display: grid;
  grid-template-columns: 180px 1.3fr 1fr auto;
  gap: 28px;
  align-items: start;
}
.footer-logo-text {
  display: inline-block;
  font-size: 34px;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.03em;
  line-height: 1;
}
.footer-logo-text span { color: #ffc400; }
.footer-logo-sub {
  display: block;
  margin-top: 4px;
  font-size: 13px;
  font-weight: 700;
  color: #9db4d0;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.footer-main-menu {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
}
.footer-main-menu > li > a,
.footer-parent {
  color: #fff;
  font-weight: 700;
  font-size: 14px;
}
.footer-sub-menu {
  list-style: none;
  margin: 8px 0 0;
  padding: 0;
  display: grid;
  gap: 4px;
}
.footer-sub-menu a {
  color: #b7c9e0;
  font-size: 13px;
  font-weight: 600;
}
.footer-legal-col {
  display: grid;
  gap: 8px;
  align-content: start;
}
.footer-link {
  color: #b7c9e0 !important;
  font-size: 13px;
  font-weight: 600;
  line-height: 1.35;
}
.footer-phone-col { text-align: right; }
.footer-phone {
  display: inline-block;
  color: #ffc400 !important;
  font-size: clamp(1.4rem, 2.4vw, 1.9rem);
  font-weight: 900;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.footer-badges {
  display: flex;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 28px;
  padding-top: 18px;
}
.footer-badge {
  width: 92px;
  text-align: center;
  color: #fff;
  font-size: 12px;
  font-weight: 700;
}
.footer-badge img {
  width: 72px;
  height: 72px;
  object-fit: contain;
  margin: 0 auto 6px;
  display: block;
  filter: drop-shadow(0 6px 14px rgba(0,0,0,.2));
}
.footer-warning {
  margin-top: 18px;
  text-align: center;
}
.footer-warning p {
  margin: 0;
  color: #8ea6c4;
  font-size: 12px;
  line-height: 1.55;
  max-width: 920px;
  margin-left: auto;
  margin-right: auto;
}

/* mobile footer block */
.footer-mobile-warning {
  color: #b7c9e0;
  font-size: 12px;
  line-height: 1.55;
  margin: 0 0 14px;
}
.footer-mobile-links {
  display: grid;
  gap: 8px;
  margin-bottom: 18px;
}
.footer-mobile-links a {
  color: #fff;
  font-weight: 700;
  font-size: 14px;
}
.footer-mobile-cert-title {
  color: #ffc400;
  font-weight: 800;
  margin: 8px 0 8px;
  text-transform: uppercase;
  letter-spacing: .04em;
  font-size: 13px;
}
.footer-mobile-cert {
  width: 88px;
  height: 88px;
  object-fit: contain;
  margin: 0 auto 10px;
  display: block;
}
.footer-mobile-cert-text {
  color: #c9d7ea;
  font-size: 13px;
  line-height: 1.5;
  margin: 0 0 16px;
}
.footer-mobile-logo {
  display: inline-block;
  margin-bottom: 16px;
  text-decoration: none !important;
}
.footer-mobile-badges {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}
.footer-secure-text {
  color: #8ea6c4;
  font-size: 12px;
  margin: 0 0 10px;
}
.footer-mobile-phone {
  display: inline-block;
  color: #ffc400 !important;
  font-size: 1.45rem;
  font-weight: 900;
  text-decoration: none !important;
}

@media (max-width: 1100px) {
  .footer-top {
    grid-template-columns: 1fr 1.2fr;
    gap: 22px;
  }
  .footer-phone-col { text-align: left; grid-column: 1 / -1; }
}
@media (max-width: 900px) {
  .footer-desktop { display: none; }
  .footer-mobile { display: block; }
  /* hide old generic footer styles interference */
  .site-footer.mu-footer-ch { padding-bottom: 12px; }
}

/* Keep old class hooks from previous CSS from breaking layout */
.mu-footer-ch .footer-grid { display: contents; }


/* hero euro person v19 */
.hero-euro-badge { display: none !important; }
.hero-man > img:first-child {
  width: min(100%, 420px);
  height: auto;
  object-fit: contain;
  filter: drop-shadow(0 18px 30px rgba(11,44,95,.18));
}
@media (max-width: 900px) {
  .hero-man > img:first-child { width: min(100%, 280px); }
}


/* header actions (call + menu) */
.header-actions {
  display: none;
  align-items: center;
  gap: 10px;
}
.header-menu-btn {
  display: none;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.28);
  color: #fff;
  cursor: pointer;
  padding: 0;
}
.header-menu-icon,
.header-menu-icon::before,
.header-menu-icon::after {
  display: block;
  width: 18px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  position: relative;
  transition: transform .2s ease, opacity .2s ease;
}
.header-menu-icon::before,
.header-menu-icon::after {
  content: "";
  position: absolute;
  left: 0;
}
.header-menu-icon::before { top: -6px; }
.header-menu-icon::after { top: 6px; }
.header-menu-btn.is-open .header-menu-icon { background: transparent; }
.header-menu-btn.is-open .header-menu-icon::before { top: 0; transform: rotate(45deg); }
.header-menu-btn.is-open .header-menu-icon::after { top: 0; transform: rotate(-45deg); }
.header-call-btn svg { display: block; }



/* ===== Steps + Blog authenticity v21 ===== */
.steps-rich { gap: 16px; }
.step-card {
  background: #fff;
  border: 1px solid #d9e6fb;
  border-radius: 18px;
  padding: 22px 18px 20px;
  text-align: center;
  box-shadow: 0 10px 28px rgba(11,44,95,.06);
  min-height: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.step-icon-wrap {
  position: relative;
  width: 88px;
  height: 88px;
  display: grid;
  place-items: center;
  margin-bottom: 14px;
}
.step-icon-wrap img {
  width: 72px;
  height: 72px;
  object-fit: contain;
}
.step-num {
  position: absolute;
  left: 50%;
  bottom: -4px;
  transform: translateX(-50%);
  width: 28px;
  height: 28px;
  border-radius: 999px;
  background: #0052d9;
  color: #fff;
  font-weight: 800;
  font-size: 14px;
  display: grid;
  place-items: center;
  box-shadow: 0 8px 18px rgba(0,82,217,.35);
}
.step-title {
  margin: 10px 0 8px;
  font-size: 1.05rem;
  color: #0b2c5f;
  line-height: 1.25;
}
.step-text {
  margin: 0;
  color: #5b6b82;
  font-size: .95rem;
  line-height: 1.45;
}

.blog-card a { color: inherit; text-decoration: none; display:block; height:100%; }
.blog-card {
  overflow: hidden;
  padding: 0;
  display: flex;
  flex-direction: column;
  min-height: 100%;
  transition: transform .18s ease, box-shadow .18s ease;
}
.blog-card:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(11,44,95,.12); }
.blog-card-img { aspect-ratio: 16/10; overflow: hidden; background: #e8f1ff; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; display:block; }
.blog-card-body { padding: 16px 16px 18px; }
.blog-card-body h3 {
  margin: 0 0 8px;
  font-size: 1.05rem;
  line-height: 1.3;
  color: #0b2c5f;
  text-transform: none;
  word-break: normal;
}
.blog-card-excerpt {
  margin: 0 0 10px;
  color: #5b6b82;
  font-size: .92rem;
  line-height: 1.4;
}

.blog-article-hero { padding-bottom: 8px; }
.blog-breadcrumb { color:#5b6b82; font-size:.92rem; }
.blog-breadcrumb a { color:#0052d9; text-decoration:none; }
.blog-tags { display:flex; flex-wrap:wrap; gap:8px; margin-top:14px; }
.blog-tag {
  background:#e8f1ff; color:#0b2c5f; border-radius:999px;
  padding:6px 12px; font-size:.82rem; font-weight:700;
}
.container.narrow { max-width: 860px; }
.blog-hero-figure {
  margin: 0 0 18px;
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 14px 34px rgba(11,44,95,.12);
}
.blog-hero-figure img { width:100%; height:auto; display:block; }
.blog-article-body h2 {
  margin: 22px 0 10px;
  color:#0b2c5f;
  font-size: 1.35rem;
}
.blog-article-body p {
  color:#334155;
  line-height: 1.7;
  margin: 0 0 12px;
  font-size: 1.02rem;
}
.blog-article-cta {
  margin: 28px 0 18px;
  padding: 22px;
  border-radius: 16px;
  background: linear-gradient(135deg,#f3f8ff,#e7f0ff);
  border: 1px solid #d9e6fb;
}
.blog-article-cta h2 { margin-top:0; }
@media (max-width: 900px) {
  .steps-rich { grid-template-columns: 1fr 1fr !important; }
  .step-card { padding: 18px 14px; }
}
@media (max-width: 560px) {
  .steps-rich { grid-template-columns: 1fr !important; }
}


/* YouTube facade */
.mu-yt-facade { min-height: 220px; }
.review-video, .extended-video-frame { min-height: 260px; }
.review-video iframe, .extended-video-frame iframe,
.review-video .mu-yt-facade, .extended-video-frame .mu-yt-facade {
  width: 100%;
  min-height: 260px;
  aspect-ratio: 16/9;
}
.mu-yt-play:hover { background: rgba(0,97,255,.9) !important; }


/* ===== Eligibility pages (DE mutuo.ch-like sections) v23 ===== */
.elig-hero .elig-lead { max-width: 760px; font-size: 1.08rem; line-height: 1.6; color: rgba(255,255,255,.92); }
.elig-badge {
  display: inline-block;
  background: rgba(248,179,51,.95);
  color: #0b2c5f;
  font-weight: 800;
  font-size: .78rem;
  padding: 6px 12px;
  border-radius: 999px;
  margin-bottom: 12px;
  letter-spacing: .02em;
}
.elig-hero-actions { display:flex; flex-wrap:wrap; gap:10px; margin-top:18px; }
.elig-hero-actions .btn-orange,
.elig-hero-actions .btn-blue { min-width: 190px; height: 48px; display:inline-flex; align-items:center; justify-content:center; }
.elig-btn-ghost { background: rgba(255,255,255,.12) !important; border:1px solid rgba(255,255,255,.3); }
.elig-benefit-card { padding: 22px 20px; height:100%; }
.elig-benefit-icon {
  width: 36px; height: 36px; border-radius: 10px;
  background: #e8f1ff; color: #0052d9; font-weight: 900;
  display:grid; place-items:center; margin-bottom: 12px;
}
.elig-benefit-card h3 { margin:0 0 8px; color:#0b2c5f; font-size:1.08rem; line-height:1.3; }
.elig-benefit-card p { margin:0; color:#5b6b82; line-height:1.55; }
.elig-split { gap: 28px; align-items: start; }
.elig-stat-card {
  background: linear-gradient(160deg,#0b2c5f,#0052d9);
  color:#fff; border:none; padding:26px 24px;
}
.elig-stat-num { font-size:2.6rem; font-weight:900; line-height:1.1; color:#ffc400; }
.elig-stat-label { color: rgba(255,255,255,.88); margin-top:4px; }
.elig-hr { border:none; border-top:1px solid rgba(255,255,255,.18); margin:16px 0; }
.elig-box { padding: 24px; height:100%; }
.elig-box h2 { color:#0b2c5f; margin:0 0 10px; font-size:1.35rem; }
.elig-box p { color:#5b6b82; line-height:1.6; }
.elig-list { margin: 12px 0 0; padding-left: 1.1rem; color:#334155; line-height:1.65; }
.elig-list li { margin: 6px 0; }
.elig-subh { margin: 16px 0 6px; color:#0b2c5f; font-size:1.02rem; }
.elig-note { margin-top:14px; font-size:.92rem; color:#64748b; }
.elig-contact-card { padding:24px; background:#f8fbff; border:1px solid #d9e6fb; }
.elig-contact-card h3 { margin:0 0 12px; color:#0b2c5f; }
.elig-contact-line { margin:0 0 12px; color:#334155; line-height:1.5; }
.elig-contact-line a { color:#0052d9; font-weight:700; text-decoration:none; }
.narrow-ish { max-width: 900px; }
.elig-prose { color:#334155; line-height:1.75; font-size:1.05rem; margin:0 0 14px; }
.elig-inline-cta { display:flex; flex-wrap:wrap; gap:14px; align-items:center; margin-top:18px; }
.elig-insurance { padding: 26px; }
.elig-insurance h2 { color:#0b2c5f; margin:0 0 10px; }
.elig-insurance p { color:#5b6b82; line-height:1.6; }
.elig-insurance-side {
  background: #0b2c5f; color:#fff; border-radius:16px; padding:22px;
}
.elig-insurance-side p { color:rgba(255,255,255,.9); }
.elig-pill {
  display:inline-block; background:#ffc400; color:#0b2c5f; font-weight:800;
  border-radius:999px; padding:5px 10px; font-size:.78rem; margin-bottom:12px;
}
.elig-faq { margin-top: 18px; }
.elig-faq-item {
  background:#fff; border:1px solid #d9e6fb; border-radius:12px;
  padding: 4px 14px; margin-bottom:10px;
}
.elig-faq-item summary {
  cursor:pointer; font-weight:700; color:#0b2c5f; padding:12px 0; list-style:none;
}
.elig-faq-item summary::-webkit-details-marker { display:none; }
.elig-faq-item .faq-a { color:#445; line-height:1.65; padding:0 0 14px; }
.elig-example { padding:24px; }
.elig-example h2 { color:#0b2c5f; margin:0 0 12px; }
.elig-legal { margin-top:14px; font-size:.88rem; color:#64748b; line-height:1.55; }
.elig-legal a { color:#0052d9; }
.elig-final-cta {
  background: linear-gradient(120deg,#0b2c5f 0%, #0052d9 55%, #0a3d91 100%);
  padding: 48px 0;
}
@media (max-width: 900px) {
  .elig-benefit-grid { grid-template-columns: 1fr !important; }
  .elig-split { grid-template-columns: 1fr !important; }
}


/* ===== HERO mutuo.ch fidelity v24 (DE @ 2,7%) ===== */
.hero-calc {
  background: linear-gradient(180deg, #e8f1ff 0%, #eef5ff 40%, #f7faff 70%, #ffffff 100%);
  padding: 12px 0 8px;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.2fr 0.9fr;
  gap: 8px 12px;
  align-items: end;
}
.hero-man {
  position: relative;
  min-height: 420px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  order: 0;
}
.hero-man img {
  width: min(100%, 440px);
  max-height: 480px;
  object-fit: contain;
  object-position: bottom center;
  filter: drop-shadow(0 16px 28px rgba(0,40,120,.15));
}
.hero-form {
  text-align: center;
  padding: 10px 6px 18px;
  position: relative;
  z-index: 2;
}
.hero-kicker {
  color: #0b2c5f;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.hero-form h1 {
  color: #0052d9;
  font-size: clamp(28px, 3.6vw, 44px);
  line-height: 1.08;
  font-weight: 800;
  margin: 0 0 8px;
  letter-spacing: -0.02em;
}
.hero-sub {
  color: #0052d9;
  font-size: clamp(16px, 2vw, 22px);
  font-weight: 600;
  margin-bottom: 16px;
  line-height: 1.25;
}

/* checks + promo row (desktop center) */
.hero-main-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 12px 16px;
  align-items: center;
  max-width: 520px;
  margin: 0 auto 16px;
  text-align: left;
}
.hero-checks { display: flex; flex-direction: column; gap: 10px; }
.hero-check-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: #0b2c5f;
  font-size: 17px;
  font-weight: 700;
  line-height: 1.3;
}
.hero-check-item .check,
.benefit-item .check {
  flex: 0 0 auto;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid #2f80ed;
  color: #2f80ed;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 900;
  margin-top: 1px;
}

/* PROMO BADGE 2,7% — mutuo.ch sticker */
.hero-promo {
  width: 118px;
  height: 118px;
  flex: 0 0 auto;
  filter: drop-shadow(0 10px 18px rgba(180,120,0,.28));
  transform: rotate(-8deg);
}
.hero-promo-inner {
  width: 100%;
  height: 100%;
  border-radius: 22px;
  background: linear-gradient(160deg, #ffd84a 0%, #ffc400 45%, #f0a800 100%);
  border: 3px solid #e8a200;
  box-shadow: inset 0 0 0 3px rgba(255,255,255,.35);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: #0b2c5f;
  line-height: 1;
  padding-top: 4px;
}
.hero-promo-label {
  font-size: 15px;
  font-weight: 800;
  letter-spacing: .02em;
}
.hero-promo-from {
  font-size: 14px;
  font-weight: 700;
  margin-top: 2px;
  opacity: .92;
}
.hero-promo-rate {
  font-size: 42px;
  font-weight: 900;
  letter-spacing: -0.03em;
  margin-top: 2px;
}
.hero-promo-rate small {
  font-size: 22px;
  font-weight: 900;
  margin-left: 1px;
}

.hero-amount-form { max-width: 420px; margin: 0 auto; }
.amount-box {
  position: relative;
  max-width: 420px;
  margin: 0 auto 12px;
}
.amount-box input {
  width: 100%;
  height: 62px;
  border: 2px solid #7eb0ff;
  border-radius: 4px;
  background: #fff;
  text-align: center;
  font-size: 32px;
  font-weight: 800;
  color: #0052d9;
  outline: none;
  padding: 0 56px 0 16px;
}
.amount-box input:focus {
  border-color: #0052d9;
  box-shadow: 0 0 0 4px rgba(0,97,255,.12);
}
.amount-suffix {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: #0052d9;
  font-size: 26px;
  font-weight: 800;
}
.hero-cta-btn {
  width: 100%;
  max-width: 420px;
  height: 54px !important;
  font-size: 20px !important;
  font-weight: 800 !important;
  border-radius: 4px !important;
  margin: 0 auto;
  display: flex !important;
  align-items: center;
  justify-content: center;
}

.press-wrap { margin-top: 18px; }
.press-title {
  color: #0b2c5f;
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 10px;
}
.press-logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 14px 18px;
  flex-wrap: wrap;
}
.press-logos img {
  height: 20px;
  width: auto;
  object-fit: contain;
  opacity: .9;
  filter: grayscale(0.15);
}
.rating-line {
  margin-top: 12px;
  color: #0b2c5f;
  font-weight: 700;
  font-size: 15px;
  display: flex;
  gap: 8px;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
}
.rating-line .stars {
  color: #f5b400;
  letter-spacing: 1px;
  font-size: 16px;
}

.hero-benefits-desktop { padding: 12px 4px 28px; }
.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: #0b2c5f;
  font-size: 16px;
  font-weight: 700;
  line-height: 1.35;
  margin-bottom: 14px;
}
.badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 8px;
}
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #fff;
  border: 1px solid #d9e6fb;
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 12px;
  font-weight: 700;
  color: #0b2c5f;
}
.trust-badge img { width: 16px; height: 16px; }

/* Hide duplicate notes under CTA (mutuo uses checks instead) */
.hero-form .hero-note { display: none !important; }

/* ===== MOBILE: mutuo.ch order ===== */
@media (max-width: 900px) {
  .hero-calc { padding: 8px 0 0; }
  .hero-grid {
    display: flex !important;
    flex-direction: column !important;
    gap: 0 !important;
    align-items: stretch !important;
  }
  /* Order like mutuo mobile: form first, image after social proof */
  .hero-form { order: 1; padding: 8px 0 10px; }
  .hero-man {
    order: 3;
    min-height: 0 !important;
    max-width: 280px;
    margin: 6px auto 0;
    width: 100%;
  }
  .hero-man img {
    width: 100% !important;
    max-height: 260px !important;
    object-fit: contain !important;
  }
  .hero-benefits-desktop { display: none !important; }

  .hero-kicker {
    font-size: 13px;
    letter-spacing: .06em;
    margin-bottom: 8px;
  }
  .hero-form h1 {
    font-size: 1.7rem !important;
    line-height: 1.12 !important;
    margin-bottom: 6px;
  }
  .hero-sub {
    font-size: 1.05rem !important;
    margin-bottom: 14px;
  }

  .hero-main-row {
    grid-template-columns: 1fr auto;
    max-width: 100%;
    margin: 0 0 14px;
    gap: 8px 10px;
    align-items: start;
  }
  .hero-check-item {
    font-size: 15px;
    font-weight: 700;
    color: #0b2c5f;
  }
  .hero-check-item .check {
    width: 22px; height: 22px; font-size: 12px;
    border-width: 2px;
  }
  .hero-promo {
    width: 96px;
    height: 96px;
    margin-top: 2px;
    transform: rotate(-10deg);
  }
  .hero-promo-label { font-size: 13px; }
  .hero-promo-from { font-size: 12px; }
  .hero-promo-rate { font-size: 34px; }
  .hero-promo-rate small { font-size: 18px; }

  .hero-amount-form { max-width: 100%; }
  .amount-box { max-width: 100%; margin-bottom: 10px; }
  .amount-box input {
    height: 56px;
    font-size: 28px;
    border-radius: 6px;
  }
  .amount-suffix { font-size: 22px; right: 14px; }
  .hero-cta-btn {
    height: 52px !important;
    font-size: 18px !important;
    border-radius: 6px !important;
    max-width: 100%;
  }

  .press-wrap { margin-top: 16px; margin-bottom: 4px; }
  .press-title { font-size: 13px; margin-bottom: 8px; }
  .press-logos { gap: 12px 14px; }
  .press-logos img { height: 18px; }
  .rating-line { font-size: 14px; margin-top: 10px; }

  /* Avoid double big orange CTA feel: keep sticky bar but quieter if hero CTA visible */
  .mu-mobile-cta {
    /* keep for conversion but ensure only one full-width in hero */
  }
}

@media (max-width: 520px) {
  .hero-form h1 { font-size: 1.55rem !important; }
  .hero-main-row { gap: 6px 8px; }
  .hero-promo { width: 88px; height: 88px; }
  .hero-promo-rate { font-size: 30px; }
  .hero-check-item { font-size: 14px; }
  .hero-man { max-width: 240px; }
}

@media (min-width: 901px) {
  /* On desktop, checks live in right column; compact checks+promo stay in center too like mutuo */
  .hero-main-row { max-width: 480px; }
}


/* sticky cta v24 — keep conversion bar but not twin of hero CTA */
@media (max-width: 900px) {
  .mu-mobile-cta {
    background: rgba(11,44,95,0.96) !important;
    border-radius: 12px !important;
    padding: 8px !important;
  }
  .mu-mobile-cta .btn-orange {
    height: 46px !important;
    font-size: 16px !important;
    border-radius: 8px !important;
  }
}


/* =========================================================
   GLOBAL VISUAL SYSTEM v26 — mutuo.ch similarity (DE)
   Applies to ALL pages: home, eligibility, blog, product
   ========================================================= */

html { scroll-behavior: smooth; }
body {
  font-family: var(--mu-font);
  color: var(--mu-text);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; }
a { color: var(--mu-blue); }
.container {
  width: 100%;
  max-width: var(--mu-max);
  margin: 0 auto;
  padding-left: 16px;
  padding-right: 16px;
}

/* Sections rhythm (mutuo-like spacing) */
.section,
.mu-section,
.blog-article-hero,
.elig-final-cta {
  padding-top: var(--mu-section-y);
  padding-bottom: var(--mu-section-y);
}
.section-compact { padding: 14px 0; }
.section-alt,
.mu-section-alt { background: #f7faff; }
.section-title,
.mu-section-title,
h2.section-title {
  text-align: center;
  color: var(--mu-blue);
  font-size: clamp(26px, 3vw, 36px);
  font-weight: 800;
  margin: 0 0 10px;
  letter-spacing: -0.02em;
  line-height: 1.15;
}
.section-sub,
.mu-section-sub {
  text-align: center;
  color: var(--mu-text-soft);
  margin: 0 auto 32px;
  font-size: 17px;
  line-height: 1.55;
  max-width: 720px;
}
.lead {
  color: var(--mu-text-soft);
  font-size: 17px;
  line-height: 1.7;
  margin: 0 0 16px;
}

/* Cards / grids */
.card,
.mu-card,
.blog-card,
.elig-box,
.elig-benefit-card,
.offer-card,
.step-card {
  background: #fff;
  border: 1px solid var(--mu-border);
  border-radius: var(--mu-radius);
  box-shadow: 0 6px 18px rgba(10, 40, 100, 0.05);
}
.card { padding: 22px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }

/* Buttons — same language everywhere */
.btn-orange,
.mu-btn-primary,
.mu-sim-cta,
a.btn-orange,
button.btn-orange {
  display: inline-flex !important;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 22px;
  border: 0;
  border-radius: 4px !important;
  background: linear-gradient(180deg, #ffb84a 0%, #f5a623 100%) !important;
  color: #fff !important;
  font-size: 18px;
  font-weight: 800;
  text-decoration: none !important;
  box-shadow: 0 8px 18px rgba(245,166,35,.28);
  transition: transform .15s ease, filter .15s ease, box-shadow .15s ease;
  cursor: pointer;
}
.btn-orange:hover,
.mu-btn-primary:hover,
.mu-sim-cta:hover {
  filter: brightness(1.03);
  transform: translateY(-1px);
  box-shadow: 0 10px 22px rgba(245,166,35,.34);
}
.btn-blue,
.mu-btn,
a.btn-blue {
  display: inline-flex !important;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 18px;
  border: 0;
  border-radius: 4px !important;
  background: var(--mu-blue) !important;
  color: #fff !important;
  font-weight: 700;
  text-decoration: none !important;
}
.btn-blue:hover { background: var(--mu-blue-deep) !important; }
.btn-full { width: 100%; }
.text-link {
  color: var(--mu-blue) !important;
  font-weight: 700;
  text-decoration: none;
}
.text-link:hover { text-decoration: underline; }

/* Feature checks */
.mu-feature-list,
.elig-list {
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
}
.mu-feature-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 0 0 10px;
  color: var(--mu-navy);
  font-weight: 600;
  line-height: 1.45;
}
.mu-check {
  flex: 0 0 auto;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid #2f80ed;
  color: #2f80ed;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 900;
  background: #fff;
  margin-top: 1px;
}

/* ===== INNER PAGE HERO (all non-home pages) ===== */
.mu-page-hero,
.page-hero,
.blog-article-hero,
.elig-hero.mu-page-hero {
  background: linear-gradient(180deg, #eaf2ff 0%, #f7faff 55%, #ffffff 100%) !important;
  padding: 34px 0 28px !important;
  border-bottom: 1px solid #e5eefc;
}
.mu-page-hero h1,
.page-hero h1,
.blog-article-hero h1,
.elig-hero h1 {
  color: var(--mu-blue) !important;
  font-size: clamp(28px, 3.5vw, 40px) !important;
  font-weight: 800 !important;
  line-height: 1.12 !important;
  letter-spacing: -0.02em;
  margin: 0 0 10px !important;
  text-align: left;
}
.mu-page-hero p,
.page-hero p,
.blog-article-hero .lead,
.elig-lead {
  color: var(--mu-text-soft) !important;
  font-size: 17px !important;
  line-height: 1.65 !important;
  max-width: 760px;
}
.mu-breadcrumb,
.blog-breadcrumb,
.breadcrumb {
  color: #6b7c93 !important;
  font-size: 13px !important;
  font-weight: 600 !important;
  margin-bottom: 12px !important;
}
.mu-breadcrumb a,
.blog-breadcrumb a { color: var(--mu-blue); text-decoration: none; }
.mu-breadcrumb a:hover,
.blog-breadcrumb a:hover { text-decoration: underline; }

/* Eligibility pages already have own styles — harmonize */
.elig-badge {
  display: inline-block;
  background: var(--mu-gold);
  color: var(--mu-navy);
  font-weight: 800;
  font-size: .78rem;
  padding: 6px 12px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.elig-hero {
  /* keep gradient from mu-page-hero */
}
.elig-hero .elig-lead { color: var(--mu-text-soft) !important; }
.elig-hero-actions { display:flex; flex-wrap:wrap; gap:12px; margin-top:18px; }
.elig-hero-actions .btn-orange,
.elig-hero-actions .btn-blue { min-width: 190px; }

/* Simulator shell on inner pages */
.mu-sim-page {
  background: #f7faff;
  padding: 28px 0 36px;
  border-bottom: 1px solid #e5eefc;
}
.mu-sim-page-wrap {
  max-width: var(--mu-max);
  margin: 0 auto;
  padding: 0 16px;
}
.mu-sim {
  border-radius: 16px !important;
  border: 1px solid var(--mu-border) !important;
  box-shadow: var(--mu-shadow) !important;
}

/* Blog cards / article */
.blog-card { overflow: hidden; padding: 0 !important; transition: transform .18s ease, box-shadow .18s ease; }
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--mu-shadow); }
.blog-card a { color: inherit; text-decoration: none; display:block; height:100%; }
.blog-card-body { padding: 16px 16px 18px; }
.blog-card-body h3 {
  margin: 0 0 8px;
  color: var(--mu-navy);
  font-size: 1.05rem;
  line-height: 1.3;
}
.blog-card-excerpt { color: var(--mu-text-soft); font-size: .92rem; line-height: 1.45; margin: 0 0 10px; }
.blog-article-body {
  border-radius: var(--mu-radius);
  border: 1px solid var(--mu-border);
  box-shadow: 0 6px 18px rgba(10,40,100,.05);
}
.blog-article-body h2 { color: var(--mu-navy); }
.blog-article-body p { color: #334155; line-height: 1.75; }
.container.narrow,
.narrow-ish { max-width: 900px; margin-left: auto; margin-right: auto; }

/* FAQ everywhere */
.faq-item,
.elig-faq-item,
details.faq-item {
  background: #fff;
  border: 1px solid var(--mu-border);
  border-radius: 12px;
  padding: 0 16px;
  margin: 0 0 10px;
}
.faq-item summary,
.elig-faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--mu-navy);
  padding: 14px 0;
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-a { color: var(--mu-text-soft); line-height: 1.65; padding: 0 0 14px; }

/* Offer cards */
.offer-card { text-align: center; padding: 0 0 16px; overflow: hidden; }
.offer-card img {
  width: 100%;
  height: 140px;
  object-fit: cover;
  border-bottom: 1px solid var(--mu-border);
}
.offer-amount {
  color: var(--mu-navy);
  font-size: 1.35rem;
  font-weight: 800;
  margin: 12px 0 4px;
}
.offer-rate {
  color: var(--mu-blue);
  font-weight: 800;
  margin-bottom: 12px;
}

/* Steps */
.step-card { padding: 22px 18px; text-align: center; height: 100%; }
.step-title { color: var(--mu-navy); font-size: 1.05rem; margin: 10px 0 8px; }
.step-text { color: var(--mu-text-soft); font-size: .95rem; line-height: 1.45; margin: 0; }

/* Trust / partners */
.partners-block .press-logos,
.press-logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 14px 18px;
  flex-wrap: wrap;
}
.press-logos img { height: 22px; width: auto; object-fit: contain; opacity: .92; }
.rating-line { color: var(--mu-navy); font-weight: 700; }
.rating-line .stars { color: #f5b400; }

/* Footer visual consistency */
.site-footer,
.footer,
footer.site-footer {
  background: #031b33;
  color: rgba(255,255,255,.88);
}
.site-footer a,
.footer a { color: rgba(255,255,255,.9); }
.footer-mobile-cert-title {
  color: var(--mu-gold);
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
}

/* Legal strip */
.legal-strip {
  background: #f3f7ff;
  border-top: 1px solid #e5eefc;
  border-bottom: 1px solid #e5eefc;
}
.legal-strip p {
  margin: 0;
  color: #5b6b7c;
  font-size: 13px;
  line-height: 1.5;
  text-align: center;
}

/* Contacts block polish */
.contacts-phone-banner {
  border-radius: 16px;
  background: linear-gradient(135deg, #0b2c5f, #0061ff);
  color: #fff;
  padding: 22px;
  text-align: center;
}
.contacts-phone-banner-number {
  color: #fff !important;
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 900;
  text-decoration: none !important;
}

/* Desktop header breathing (pro, not cramped) */
@media (min-width: 901px) {
  .header-main {
    min-height: 100px;
    padding: 14px 0;
    gap: 20px;
  }
  .brand-logo { height: 44px; }
  .header-consult-label { font-size: 15px; margin-bottom: 4px; }
  .header-phone {
    font-size: clamp(30px, 3.1vw, 40px);
    line-height: 1.05;
  }
  .main-nav-inner { min-height: 52px; }
  .nav-links > li > a {
    padding: 15px 12px;
    font-size: 14px;
    font-weight: 600;
  }
}

/* Responsive grids — all pages */
@media (max-width: 900px) {
  :root { --mu-section-y: 42px; }
  .grid-2,
  .grid-3,
  .grid-4,
  .mu-grid-2,
  .mu-grid-3,
  .mu-grid-4 {
    grid-template-columns: 1fr !important;
  }
  .section-title { font-size: 1.7rem !important; }
  .mu-page-hero,
  .blog-article-hero { padding: 28px 0 22px !important; }
  .mu-page-hero h1,
  .blog-article-hero h1 { font-size: 1.7rem !important; }
  .mu-sim-grid { grid-template-columns: 1fr !important; }
  .offer-card img { height: 160px; }
}

@media (max-width: 560px) {
  :root { --mu-section-y: 36px; }
  .btn-orange, .mu-sim-cta { font-size: 17px; min-height: 50px; }
  .card { padding: 18px; }
}

/* Utility: left-aligned titles when explicitly styled */
.section-title[style*="text-align:left"],
.section-title[style*="text-align: left"] { text-align: left !important; }

/* Remove accidental Swiss visual leftovers if any CHF badge remains */
.hero-currency-badge { display: none !important; }

/* Ensure eligibility final CTA full-bleed look */
.elig-final-cta {
  background: linear-gradient(120deg, #0b2c5f 0%, #0052d9 55%, #0a3d91 100%) !important;
}
.elig-final-cta .section-title { color: #fff !important; }

/* Blog index / article CTA band */
.mu-cta-banner,
.blog-article-cta {
  border-radius: 16px;
  background: linear-gradient(135deg, #f3f8ff, #e7f0ff);
  border: 1px solid var(--mu-border);
}

/* Form inputs consistency */
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  font-family: inherit;
  border: 1px solid var(--mu-border);
  border-radius: 8px;
}
input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--mu-blue);
  box-shadow: 0 0 0 3px rgba(0,97,255,.12);
}


/* ===== HERO MAN framing v27 ===== */
.hero-man {
  position: relative !important;
  display: flex !important;
  align-items: flex-end !important;
  justify-content: center !important;
  overflow: visible !important;
  min-height: 480px !important;
  height: 100%;
  padding: 0 !important;
  margin: 0 !important;
}
.hero-man img,
.hero-man > img:first-child {
  width: min(100%, 480px) !important;
  max-width: 480px !important;
  height: auto !important;
  max-height: 560px !important;
  object-fit: contain !important;
  object-position: center bottom !important;
  margin: 0 auto !important;
  display: block !important;
  filter: drop-shadow(0 18px 28px rgba(11,44,95,.16)) !important;
  transform: translateY(8px);
}

/* Desktop grid alignment: man sits on baseline with form */
@media (min-width: 901px) {
  .hero-grid {
    align-items: end !important;
    grid-template-columns: 0.95fr 1.2fr 0.9fr !important;
  }
  .hero-man {
    min-height: 500px !important;
    align-self: end;
  }
  .hero-man img,
  .hero-man > img:first-child {
    width: min(100%, 500px) !important;
    max-height: 580px !important;
    transform: translateY(12px) scale(1.04);
    transform-origin: center bottom;
  }
  .hero-form { padding-bottom: 28px !important; }
}

/* Tablet */
@media (max-width: 900px) {
  .hero-man {
    order: 3 !important;
    min-height: 0 !important;
    width: 100% !important;
    max-width: 320px !important;
    margin: 4px auto 0 !important;
    padding: 0 !important;
  }
  .hero-man img,
  .hero-man > img:first-child {
    width: 100% !important;
    max-width: 320px !important;
    max-height: 340px !important;
    object-position: center bottom !important;
    transform: translateY(0) scale(1.06) !important;
    transform-origin: center bottom !important;
  }
}

/* Phone */
@media (max-width: 520px) {
  .hero-man {
    max-width: 280px !important;
    margin-top: 2px !important;
  }
  .hero-man img,
  .hero-man > img:first-child {
    max-width: 280px !important;
    max-height: 300px !important;
    transform: translateY(0) scale(1.08) !important;
  }
}

/* Large phones */
@media (min-width: 521px) and (max-width: 900px) {
  .hero-man { max-width: 340px !important; }
  .hero-man img,
  .hero-man > img:first-child {
    max-width: 340px !important;
    max-height: 360px !important;
  }
}


/* =========================================================
   MOBILE HEADER v28 — exact mutuo.ch layout (DE)
   [ ☰ | LOGO .............. Kostenlose Beratung ]
   [                       +49 1521 4450795      ]
   ========================================================= */

/* Base: hamburger hidden on desktop, shown mobile */
.header-menu-btn {
  display: none;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  padding: 0;
  border: 0;
  border-radius: 4px;
  background: transparent;
  color: #fff;
  cursor: pointer;
  flex: 0 0 auto;
}
.header-menu-icon,
.header-menu-icon::before,
.header-menu-icon::after {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  border-radius: 1px;
  position: relative;
  transition: transform .2s ease, opacity .2s ease;
}
.header-menu-icon::before,
.header-menu-icon::after {
  content: "";
  position: absolute;
  left: 0;
}
.header-menu-icon::before { top: -7px; }
.header-menu-icon::after { top: 7px; }
.header-menu-btn.is-open .header-menu-icon { background: transparent; }
.header-menu-btn.is-open .header-menu-icon::before { top: 0; transform: rotate(45deg); }
.header-menu-btn.is-open .header-menu-icon::after { top: 0; transform: rotate(-45deg); }

/* Remove old call-btn dependency */
.header-call-btn { display: none !important; }
.header-actions { display: none !important; }

@media (max-width: 900px) {
  /* Lang bar thin like mutuo */
  .top-lang-bar {
    font-size: 12px;
    border-bottom: 1px solid rgba(255,255,255,.12);
  }
  .top-lang-inner {
    justify-content: flex-start;
    gap: 0;
    min-height: 32px;
    overflow-x: auto;
    flex-wrap: nowrap;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }
  .top-lang-inner::-webkit-scrollbar { display: none; }
  .top-lang-bar a {
    padding: 7px 10px;
    white-space: nowrap;
    flex: 0 0 auto;
    font-weight: 500;
  }

  .site-header {
    position: relative;
    z-index: 100;
    background: var(--mu-blue) !important;
  }

  /* ONE ROW like mutuo.ch */
  .header-main {
    display: flex !important;
    flex-direction: row !important;
    align-items: center !important;
    justify-content: space-between !important;
    gap: 10px !important;
    min-height: 64px !important;
    padding: 10px 0 !important;
    grid-template-columns: none !important;
    grid-template-areas: none !important;
  }

  .header-menu-btn {
    display: inline-flex !important;
    order: 1;
    width: 36px;
    height: 36px;
    margin-right: 2px;
  }

  .brand-link {
    order: 2;
    display: flex !important;
    align-items: center;
    min-width: 0;
    flex: 1 1 auto;
    max-width: 48%;
  }
  .brand-logo {
    height: 34px !important;
    width: auto !important;
    max-width: 100%;
    object-fit: contain;
    object-position: left center;
  }
  .brand-name { font-size: 26px !important; }
  .brand-tag { display: none !important; }

  /* Phone block RIGHT — text, not icon */
  .header-center,
  .header-phone-block {
    order: 3 !important;
    margin-left: auto !important;
    text-align: right !important;
    flex: 0 0 auto !important;
    max-width: 52%;
    padding: 0 !important;
    grid-area: auto !important;
  }
  .header-consult-label {
    display: block !important;
    color: var(--mu-gold) !important;
    font-size: 11px !important;
    font-weight: 700 !important;
    line-height: 1.15 !important;
    margin: 0 0 2px !important;
    opacity: 1 !important;
    white-space: nowrap;
  }
  .header-phone {
    display: block !important;
    color: #fff !important;
    font-size: 15px !important;
    font-weight: 800 !important;
    line-height: 1.15 !important;
    letter-spacing: 0 !important;
    white-space: nowrap !important;
    text-decoration: none !important;
  }

  .header-meta { display: none !important; }

  /* Hide secondary nav strip / old hamburger */
  .main-nav .nav-toggle { display: none !important; }
  .main-nav {
    position: relative;
    z-index: 99;
    min-height: 0 !important;
    border-top: 0 !important;
    background: transparent !important;
  }
  .main-nav-inner {
    min-height: 0 !important;
    padding: 0 !important;
  }
  .nav-right { display: none !important; }

  /* Dropdown menu full width under header */
  .nav-links {
    display: none;
    position: absolute;
    left: 0; right: 0;
    top: 0;
    background: #0052d9;
    flex-direction: column;
    align-items: stretch;
    max-height: min(78vh, 600px);
    overflow-y: auto;
    z-index: 120;
    box-shadow: 0 16px 30px rgba(0,0,0,.28);
    border-top: 1px solid rgba(255,255,255,.12);
    padding: 4px 0 10px;
  }
  .nav-links.open { display: flex !important; }
  .nav-links > li > a {
    min-height: 50px;
    padding: 14px 18px !important;
    border-bottom: 1px solid rgba(255,255,255,.1);
    font-size: 15px !important;
    font-weight: 600 !important;
    color: #fff !important;
    display: flex;
    align-items: center;
  }
  .nav-dropdown {
    position: static !important;
    background: rgba(0,0,0,.15) !important;
    box-shadow: none !important;
    border-radius: 0 !important;
  }
  .nav-dropdown a {
    color: #fff !important;
    padding: 12px 18px 12px 28px !important;
    min-height: 46px;
    display: flex;
    align-items: center;
  }
}

/* Small phones: keep one row, slightly tighter type */
@media (max-width: 380px) {
  .header-phone { font-size: 13px !important; }
  .header-consult-label { font-size: 10px !important; }
  .brand-logo { height: 30px !important; }
  .header-main { min-height: 58px !important; gap: 6px !important; }
}

/* Medium phones */
@media (min-width: 381px) and (max-width: 520px) {
  .header-phone { font-size: 14px !important; }
  .brand-logo { height: 32px !important; }
}

/* Large phones / small tablets */
@media (min-width: 521px) and (max-width: 900px) {
  .header-main { min-height: 70px !important; padding: 12px 0 !important; }
  .brand-logo { height: 38px !important; }
  .header-consult-label { font-size: 12px !important; }
  .header-phone { font-size: 17px !important; }
  .header-menu-btn { width: 40px; height: 40px; }
}

/* Desktop unchanged: no hamburger in header */
@media (min-width: 901px) {
  .header-menu-btn { display: none !important; }
  .header-main {
    display: grid !important;
    grid-template-columns: 220px 1fr auto !important;
    gap: 18px !important;
    align-items: center !important;
    min-height: 96px !important;
    padding: 12px 0 !important;
  }
  .brand-link { max-width: none !important; flex: none !important; }
  .header-center {
    text-align: center !important;
    margin-left: 0 !important;
    max-width: none !important;
  }
  .header-phone {
    font-size: clamp(28px, 3vw, 40px) !important;
    white-space: nowrap !important;
  }
  .header-consult-label {
    font-size: 15px !important;
    margin-bottom: 2px !important;
  }
}


/* social icons v29 — WhatsApp Instagram Facebook YouTube TikTok */
.nav-right {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: nowrap;
}
.social-link {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff !important;
  border: 1px solid rgba(255,255,255,.35);
  text-decoration: none !important;
  transition: background .15s ease, transform .15s ease;
  flex: 0 0 auto;
}
.social-link:hover {
  background: rgba(255,255,255,.14);
  transform: translateY(-1px);
}
.social-link svg { display:block; }
@media (max-width: 1100px) {
  .nav-right { gap: 6px; }
  .social-link { width: 30px; height: 30px; }
}
@media (max-width: 900px) {
  /* socials are desktop nav-right; mobile menu doesn't need them in header bar */
  .nav-right { display: none !important; }
}


/* ===== Eligibility mutuo.ch layout v30 (DE/EUR) ===== */
.elig-top {
  padding-bottom: 18px !important;
}
.elig-top-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.85fr;
  gap: 28px 36px;
  align-items: start;
}
.elig-kicker {
  color: var(--mu-navy);
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 4px;
}
.elig-brand-line {
  color: var(--mu-blue);
  font-size: clamp(28px, 3.4vw, 40px);
  font-weight: 900;
  letter-spacing: -0.02em;
  line-height: 1.05;
  margin-bottom: 8px;
}
.elig-top-copy h1 {
  margin-top: 0 !important;
  font-size: clamp(26px, 3vw, 36px) !important;
}
.elig-flex-label {
  color: var(--mu-navy);
  font-weight: 700;
  font-size: 1.05rem;
  margin: 0 0 8px;
}
.elig-top-side {
  display: flex;
  flex-direction: column;
  gap: 14px;
  align-items: stretch;
}
.elig-rate-card {
  background: linear-gradient(160deg, #ffd84a 0%, #ffc400 45%, #f0a800 100%);
  border: 3px solid #e8a200;
  border-radius: 22px;
  box-shadow: 0 12px 28px rgba(180,120,0,.22), inset 0 0 0 3px rgba(255,255,255,.28);
  color: #0b2c5f;
  text-align: center;
  padding: 18px 16px 16px;
  transform: rotate(-4deg);
  max-width: 180px;
  margin: 0 auto;
}
.elig-rate-promo {
  font-weight: 900;
  font-size: 14px;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.elig-rate-from { font-weight: 700; font-size: 14px; margin-top: 2px; }
.elig-rate-num {
  font-size: 48px;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.03em;
  margin-top: 2px;
}
.elig-rate-num span { font-size: 26px; }
.elig-rate-note {
  margin-top: 6px;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.25;
  opacity: .9;
}
.elig-side-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.elig-side-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: var(--mu-navy);
  font-weight: 700;
  font-size: 15px;
  line-height: 1.35;
}
.elig-mini-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.elig-mini-trust span {
  background: #fff;
  border: 1px solid var(--mu-border);
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 12px;
  font-weight: 700;
  color: var(--mu-navy);
}
.elig-hero .elig-lead {
  color: var(--mu-text-soft) !important;
  max-width: 640px;
}
.elig-btn-ghost {
  background: rgba(0,97,255,.08) !important;
  color: var(--mu-blue) !important;
  border: 1px solid rgba(0,97,255,.22);
}
@media (max-width: 900px) {
  .elig-top-grid { grid-template-columns: 1fr !important; gap: 18px; }
  .elig-rate-card { max-width: 150px; transform: rotate(-6deg); }
  .elig-rate-num { font-size: 40px; }
  .elig-top-side { align-items: center; }
  .elig-side-list { width: 100%; max-width: 420px; }
  .elig-hero-actions { width: 100%; }
  .elig-hero-actions .btn-orange,
  .elig-hero-actions .btn-blue { min-width: 0; flex: 1 1 160px; }
}


/* ===== Application form v31 ===== */
.mu-app-form-wrap { max-width: 820px; margin: 0 auto; }
.mu-app-form-card { padding: 28px 26px 24px !important; border-radius: 16px !important; }
.mu-app-trust {
  display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 14px;
}
.mu-app-trust span {
  background: #eef5ff; color: #0b2c5f; border: 1px solid #d7e3f4;
  border-radius: 999px; padding: 6px 10px; font-size: 12px; font-weight: 700;
}
.mu-app-title {
  margin: 0 0 6px; color: var(--mu-blue); font-size: 1.55rem; font-weight: 800;
}
.mu-app-sub { margin: 0 0 18px; color: var(--mu-text-soft); }
.mu-app-section {
  margin: 22px 0 12px; padding-top: 8px; border-top: 1px solid #e5eefc;
  color: var(--mu-navy); font-size: 1.05rem; font-weight: 800;
}
.mu-app-section:first-of-type { border-top: 0; margin-top: 8px; }
.mu-app-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.mu-app-grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
.mu-app-field { margin-bottom: 12px; }
.mu-app-field label {
  display: block; font-size: 13px; font-weight: 700; color: #0b2c5f; margin-bottom: 6px;
}
.mu-app-field input[type="text"],
.mu-app-field input[type="email"],
.mu-app-field input[type="tel"],
.mu-app-field input[type="number"],
.mu-app-field select,
.mu-app-field textarea {
  width: 100%;
  min-height: 48px;
  border: 1.5px solid #cfe0f7;
  border-radius: 10px;
  padding: 10px 12px;
  font: inherit;
  font-size: 15px;
  color: #0b2c5f;
  background: #fff;
}
.mu-app-field textarea { min-height: 96px; resize: vertical; }
.mu-app-field input:focus,
.mu-app-field select:focus,
.mu-app-field textarea:focus {
  outline: none;
  border-color: #0061ff;
  box-shadow: 0 0 0 3px rgba(0,97,255,.12);
}
.mu-app-input-suffix { position: relative; }
.mu-app-input-suffix input { padding-right: 42px; font-weight: 700; }
.mu-app-input-suffix span {
  position: absolute; right: 12px; top: 50%; transform: translateY(-50%);
  color: #0061ff; font-weight: 800;
}
.mu-app-months {
  display: flex; flex-wrap: wrap; gap: 8px;
}
.mu-app-month {
  position: relative;
  min-width: 56px; height: 44px;
  border: 1.5px solid #cfe0f7;
  border-radius: 10px;
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 800; color: #0b2c5f; cursor: pointer; background: #fff;
  user-select: none;
}
.mu-app-month input { position: absolute; opacity: 0; pointer-events: none; }
.mu-app-month.is-active,
.mu-app-month:has(input:checked) {
  background: #0061ff; color: #fff; border-color: #0061ff;
}
.mu-app-inline { display: flex; flex-wrap: wrap; gap: 8px; }
.mu-app-chip {
  border: 1.5px solid #cfe0f7; border-radius: 999px; padding: 8px 14px;
  font-weight: 700; color: #0b2c5f; cursor: pointer; background: #fff;
  display: inline-flex; align-items: center; gap: 6px;
}
.mu-app-chip input { accent-color: #0061ff; }
.mu-app-check {
  display: flex; gap: 10px; align-items: flex-start;
  margin: 16px 0 14px; color: #334155; font-size: 14px; line-height: 1.45;
}
.mu-app-check input { margin-top: 3px; accent-color: #0061ff; }
.mu-app-check a { color: #0061ff; font-weight: 700; }
.mu-app-submit {
  width: 100% !important; max-width: none !important; height: 54px !important;
  font-size: 18px !important; margin-top: 4px;
}
.mu-app-legal {
  margin: 12px 0 0; color: #6b7c93; font-size: 12px; line-height: 1.45; text-align: center;
}
.mu-app-msg {
  border-radius: 12px; padding: 12px 14px; margin-bottom: 14px; font-weight: 700; font-size: 14px;
}
.mu-app-msg.is-ok { background: #ecfdf5; color: #047857; border: 1px solid #86efac; }
.mu-app-msg.is-err { background: #fef2f2; color: #b91c1c; border: 1px solid #fca5a5; }
.mu-app-page-split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 24px;
  align-items: start;
}
@media (max-width: 900px) {
  .mu-app-grid-2, .mu-app-grid-3, .mu-app-page-split { grid-template-columns: 1fr !important; }
  .mu-app-form-card { padding: 20px 16px !important; }
}


/* contacts visual v33 */
.contacts-visual {
  margin: 18px 0 22px;
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 14px 34px rgba(11,44,95,.14);
  border: 1px solid #d7e3f4;
}
.contacts-visual img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  max-height: 360px;
}
.contacts-visual-link { display:block; }
.offer-card img {
  width: 100%;
  height: 150px;
  object-fit: cover;
}
@media (max-width: 900px) {
  .contacts-visual img { max-height: 220px; object-position: center right; }
  .offer-card img { height: 160px; }
}


/* ===== mutuo.ch-like eligibility enhancements v36 ===== */
.elig-save-banner{
  display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;
  margin:14px 0 10px;padding:12px 14px;border-radius:14px;
  background:linear-gradient(135deg,#fff7ed,#ffedd5);
  border:1px solid #fdba74;
}
.elig-save-upto{font-size:.85rem;font-weight:700;color:#9a3412;text-transform:uppercase;letter-spacing:.04em}
.elig-save-num{font-size:2rem;font-weight:800;color:#c2410c;line-height:1}
.elig-save-txt{font-size:.95rem;color:#9a3412;font-weight:600}
.elig-mini-trust-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:14px;color:#334155;font-size:.92rem;font-weight:600}
.elig-legal-inline{font-size:.86rem;color:#64748b;text-align:center;margin:0}
.elig-legal-inline a{color:#0b2c5f;font-weight:600}

.elig-savings-band{padding:28px 0;background:#0b2c5f}
.elig-savings-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.elig-savings-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:18px 16px;color:#fff}
.elig-savings-card.is-accent{background:linear-gradient(135deg,#f97316,#ea580c);border-color:transparent}
.elig-savings-label{font-size:.82rem;opacity:.9;margin-bottom:6px}
.elig-savings-value{font-size:1.8rem;font-weight:800;line-height:1.1}
.elig-savings-value-sm{font-size:1.05rem;font-weight:700}
.elig-savings-note{margin-top:6px;font-size:.85rem;opacity:.95}

.elig-stats-strip{padding:22px 0}
.elig-stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.elig-stat-card{background:#fff;border:1px solid #e2e8f0;border-radius:14px;padding:16px;text-align:center;box-shadow:0 6px 18px rgba(15,23,42,.04)}
.elig-stat-num{font-size:1.45rem;font-weight:800;color:#0b2c5f}
.elig-stat-label{font-size:.86rem;color:#64748b;margin-top:4px}

.elig-quote-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:18px}
.elig-quote-card,.elig-tip-card{padding:22px}
.elig-quote-name{font-weight:800;color:#0b2c5f;margin-bottom:8px}
.elig-quote-text{font-size:1.05rem;line-height:1.55;color:#334155;margin:0}
.elig-tip-label{display:inline-block;background:#0b2c5f;color:#fff;font-size:.78rem;font-weight:700;padding:4px 10px;border-radius:999px;margin-bottom:10px}

.elig-steps-section .section-title{margin-bottom:18px}
.elig-steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.elig-step-card{padding:18px;position:relative;overflow:hidden}
.elig-step-num{font-size:1.8rem;font-weight:900;color:#f97316;line-height:1;margin-bottom:10px}
.elig-step-card p{margin:0;color:#334155;font-size:.95rem;line-height:1.45}

.elig-increase-card{
  display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;
  padding:22px 24px;border:1px solid #e2e8f0;background:linear-gradient(135deg,#f8fafc,#eff6ff)
}

@media (max-width: 960px){
  .elig-savings-grid,.elig-stats-row,.elig-steps-grid{grid-template-columns:1fr 1fr}
  .elig-quote-grid{grid-template-columns:1fr}
}
@media (max-width: 640px){
  .elig-savings-grid,.elig-stats-row,.elig-steps-grid{grid-template-columns:1fr}
  .elig-save-num{font-size:1.6rem}
}


/* ===== FINAL DISPLAY LOCK v70 ===== */
.grid-4{
  display:grid !important;
  grid-template-columns:repeat(4,minmax(0,1fr)) !important;
  gap:20px !important;
}
.card.offer-card,
.offer-card{
  display:flex !important;
  flex-direction:column !important;
  padding:0 !important;
  overflow:hidden !important;
  border-radius:18px !important;
  border:1px solid #d5e2f4 !important;
  background:#fff !important;
  box-shadow:0 12px 30px rgba(15,23,42,.08) !important;
}
.offer-media{
  width:100% !important;
  aspect-ratio: 4 / 3 !important;
  overflow:hidden !important;
  background:#dbeafe !important;
  border:0 !important;
  margin:0 !important;
  padding:0 !important;
  position:relative !important;
}
.offer-media img,
.offer-card img{
  position:absolute !important;
  inset:0 !important;
  width:100% !important;
  height:100% !important;
  max-width:none !important;
  max-height:none !important;
  object-fit:cover !important;
  object-position:center center !important;
  border:0 !important;
  border-radius:0 !important;
  margin:0 !important;
  padding:0 !important;
  transform:none !important;
}
.offer-amount{
  position:static !important;
  margin:0 !important;
  padding:14px 16px 0 !important;
  font-size:1.5rem !important;
  font-weight:900 !important;
  color:#0b2c5f !important;
  display:block !important;
  text-align:center !important;
}
.offer-rate{
  align-self:center !important;
  background:#eef4ff !important;
  color:#1d4ed8 !important;
  border-radius:999px !important;
  padding:6px 12px !important;
  font-weight:800 !important;
  margin:0 12px 14px !important;
}
.offer-card .btn-blue,
.offer-card a.btn-full{
  margin:0 14px 16px !important;
  min-height:46px !important;
  border-radius:12px !important;
  font-weight:800 !important;
  display:inline-flex !important;
  align-items:center !important;
  justify-content:center !important;
}

.mu-consult-banner{
  display:grid !important;
  grid-template-columns:1.15fr .85fr !important;
  min-height:330px !important;
  border-radius:24px !important;
  overflow:hidden !important;
  background:#0b2c5f !important;
  box-shadow:0 18px 44px rgba(11,44,95,.16) !important;
  border:1px solid #d7e3f4 !important;
  margin:10px 0 26px !important;
}
.mu-consult-copy{
  background:linear-gradient(155deg,#092653 0%,#0c3f8c 52%,#0b57c7 100%) !important;
  color:#fff !important;
  padding:40px 36px 34px !important;
  display:flex !important;
  flex-direction:column !important;
  justify-content:center !important;
  gap:12px !important;
}
.mu-consult-kicker{
  font-size:clamp(1.7rem,2.7vw,2.35rem) !important;
  font-weight:900 !important;
  line-height:1.08 !important;
  color:#fff !important;
  margin:0 !important;
}
.mu-consult-phone{
  color:#ffc400 !important;
  font-size:clamp(1.5rem,2.4vw,2.1rem) !important;
  font-weight:900 !important;
  text-decoration:none !important;
  letter-spacing:.045em !important;
  white-space:nowrap !important;
  font-variant-numeric:tabular-nums !important;
  line-height:1.15 !important;
}
.mu-consult-meta{color:rgba(255,255,255,.9)!important;font-size:1rem!important;line-height:1.45!important}
.mu-consult-actions{display:flex!important;flex-direction:column!important;gap:10px!important;max-width:420px!important}
.mu-consult-main-btn{width:100%!important;min-height:50px!important;border-radius:12px!important;font-weight:800!important;justify-content:center!important}
.mu-consult-secondary{display:flex!important;gap:10px!important;flex-wrap:wrap!important}
.mu-consult-btn-light{background:#1d6bff!important;border:0!important;color:#fff!important;min-height:42px!important;border-radius:10px!important;font-weight:700!important;padding:0 16px!important;display:inline-flex!important;align-items:center!important;justify-content:center!important}
.mu-consult-visual{position:relative!important;min-height:330px!important;overflow:hidden!important;background:#0b2c5f!important}
.mu-consult-visual img{
  width:100%!important;height:100%!important;min-height:330px!important;
  object-fit:cover!important;object-position:68% center!important;
  display:block!important;border:0!important;
  transform:scale(1.06)!important;
}
.contacts-visual,.contacts-phone-banner{display:none!important}
img{max-width:100%;height:auto}
body{overflow-x:hidden}
@media (max-width:1100px){.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))!important}}
@media (max-width:900px){
  .mu-consult-banner{grid-template-columns:1fr!important}
  .mu-consult-visual{order:-1;min-height:230px!important}
  .mu-consult-visual img{min-height:230px!important}
  .mu-consult-copy{padding:26px 22px!important}
  .mu-consult-phone{font-size:1.4rem!important;letter-spacing:.02em!important}
}
@media (max-width:560px){
  .grid-4{grid-template-columns:1fr!important}
  .mu-consult-phone{white-space:normal!important;font-size:1.25rem!important}
}


/* ===== FOOTER CLEAN v74 ===== */
.site-footer.mu-footer-ch{
  background: linear-gradient(180deg, #0a2a56 0%, #081f40 100%) !important;
  color: #c9d7ea !important;
  border-top: 3px solid #f5b400 !important;
  padding: 0 !important;
  margin-top: 0 !important;
}
.site-footer.mu-footer-ch .footer-inner{
  padding: 36px 0 22px !important;
}
.site-footer.mu-footer-ch .footer-row{
  display: grid !important;
  grid-template-columns: 1.1fr 1.2fr .9fr !important;
  gap: 28px 32px !important;
  align-items: start !important;
}
.site-footer.mu-footer-ch .footer-logo-text{
  display: inline-block !important;
  font-size: 32px !important;
  font-weight: 900 !important;
  color: #fff !important;
  letter-spacing: -0.03em !important;
  line-height: 1 !important;
}
.site-footer.mu-footer-ch .footer-logo-text span{ color:#ffc400 !important; }
.site-footer.mu-footer-ch .footer-logo-sub{
  display:block !important;
  margin-top: 4px !important;
  font-size: 12px !important;
  font-weight: 700 !important;
  color: #9db4d0 !important;
  letter-spacing: .04em !important;
  text-transform: uppercase !important;
}
.site-footer.mu-footer-ch .footer-phone{
  display:inline-block !important;
  margin-top: 14px !important;
  color: #ffc400 !important;
  font-size: 1.15rem !important;
  font-weight: 900 !important;
  text-decoration: none !important;
  letter-spacing: .02em !important;
}
.site-footer.mu-footer-ch .footer-phone:hover{ color:#ffe08a !important; }
.site-footer.mu-footer-ch .footer-address{
  margin: 10px 0 0 !important;
  color: #9db4d0 !important;
  font-size: .9rem !important;
  line-height: 1.45 !important;
}
.site-footer.mu-footer-ch .footer-nav,
.site-footer.mu-footer-ch .footer-legal{
  display:flex !important;
  flex-direction: column !important;
  gap: 10px !important;
}
.site-footer.mu-footer-ch .footer-nav a{
  color:#fff !important;
  font-weight: 700 !important;
  font-size: .98rem !important;
  text-decoration:none !important;
}
.site-footer.mu-footer-ch .footer-legal a{
  color: rgba(255,255,255,.78) !important;
  font-weight: 600 !important;
  font-size: .9rem !important;
  text-decoration:none !important;
}
.site-footer.mu-footer-ch .footer-nav a:hover,
.site-footer.mu-footer-ch .footer-legal a:hover{
  color:#ffc400 !important;
}
.site-footer.mu-footer-ch .footer-trust{
  display:flex !important;
  flex-wrap:wrap !important;
  gap: 10px 18px !important;
  margin-top: 26px !important;
  padding-top: 18px !important;
  border-top: 1px solid rgba(255,255,255,.12) !important;
}
.site-footer.mu-footer-ch .footer-trust-item{
  display:inline-flex !important;
  align-items:center !important;
  gap:8px !important;
  color:#fff !important;
  font-weight:700 !important;
  font-size:.9rem !important;
}
.site-footer.mu-footer-ch .footer-dot{
  width:8px; height:8px; border-radius:50%;
  background:#ffc400; display:inline-block;
  box-shadow:0 0 0 3px rgba(255,196,0,.18);
}
.site-footer.mu-footer-ch .footer-legal-note{
  margin: 14px 0 0 !important;
  color: rgba(201,215,234,.75) !important;
  font-size: .8rem !important;
  line-height: 1.45 !important;
  max-width: 860px !important;
}

/* Hide legacy dual footers if any leftover markup cached */
.site-footer .footer-desktop,
.site-footer .footer-mobile,
.site-footer .footer-badges,
.site-footer .footer-warning,
.site-footer .footer-top,
.site-footer .footer-main-menu,
.site-footer .footer-sub-menu { display:none !important; }

/* Keep only new structure visible */
.site-footer .footer-inner,
.site-footer .footer-row,
.site-footer .footer-nav,
.site-footer .footer-legal,
.site-footer .footer-trust,
.site-footer .footer-legal-note { display:revert; }
.site-footer .footer-inner{ display:block !important; }
.site-footer .footer-row{ display:grid !important; }
.site-footer .footer-nav,
.site-footer .footer-legal{ display:flex !important; }
.site-footer .footer-trust{ display:flex !important; }
.site-footer .footer-legal-note{ display:block !important; }

@media (max-width: 900px){
  .site-footer.mu-footer-ch .footer-row{
    grid-template-columns: 1fr 1fr !important;
  }
  .site-footer.mu-footer-ch .footer-brand-block{ grid-column: 1 / -1; }
}
@media (max-width: 640px){
  .site-footer.mu-footer-ch .footer-inner{ padding: 28px 0 18px !important; }
  .site-footer.mu-footer-ch .footer-row{
    grid-template-columns: 1fr !important;
    gap: 20px !important;
  }
  .site-footer.mu-footer-ch .footer-nav{
    flex-direction: row !important;
    flex-wrap: wrap !important;
    gap: 10px 16px !important;
  }
  .site-footer.mu-footer-ch .footer-legal{
    flex-direction: row !important;
    flex-wrap: wrap !important;
    gap: 8px 14px !important;
  }
  .site-footer.mu-footer-ch .footer-phone{ font-size: 1.05rem !important; }
}

/* Mobile sticky CTA cleaner */
.mu-mobile-cta{
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 80;
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(8, 24, 48, .92);
  backdrop-filter: blur(8px);
  border-top: 1px solid rgba(255,255,255,.08);
  display: none;
}
.mu-mobile-cta .btn-orange{
  width: 100%;
  min-height: 48px;
  border-radius: 12px;
  font-weight: 800;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
@media (max-width: 720px){
  .mu-mobile-cta{ display:block; }
  body{ padding-bottom: 76px; }
}



/* ===== HOME CONTENT BLOCKS v80 ===== */
.home-split{
  display:grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 36px;
  align-items:center;
}
.home-split-copy p{
  color:#5b6b82;
  font-size:1.05rem;
  line-height:1.65;
  margin:0 0 14px;
}
.home-split-media img{
  width:100%;
  height:auto;
  display:block;
  border-radius:16px;
}
.home-refi-card{
  position:relative;
  background:linear-gradient(180deg,#f3f8ff 0%,#eaf2ff 100%);
  border-radius:20px;
  padding:18px;
  border:1px solid #d7e6fb;
}
.home-refi-card img{ border-radius:14px; }
.home-refi-bubble{
  position:absolute;
  left:18px; top:18px;
  max-width:220px;
  background:rgba(255,255,255,.94);
  color:#0b57c7;
  font-weight:800;
  font-size:.98rem;
  line-height:1.35;
  padding:12px 14px;
  border-radius:14px;
  box-shadow:0 10px 24px rgba(11,44,95,.10);
  z-index:2;
}
.btn-outline-orange{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:0 22px;
  border-radius:12px;
  border:2px solid #f59e0b;
  color:#e67e00;
  font-weight:800;
  text-decoration:none;
  background:#fff;
  margin-top:8px;
}
.btn-outline-orange:hover{ background:#fff7ed; color:#c2410c; }

.home-about-media{
  position:relative !important;
  border-radius:24px !important;
  overflow:hidden !important;
  box-shadow: 0 16px 50px rgba(11,44,95,0.16) !important;
  min-height: 400px !important;
}
.home-about-media img{
  border-radius:0 !important;
  max-height:none !important;
  height:100% !important;
  min-height:400px !important;
  object-fit:cover !important;
  object-position: center top !important;
  width:100% !important;
  display:block !important;
}
.home-about-callout{
  position:absolute !important;
  bottom:0 !important;
  left:0 !important;
  right:0 !important;
  top:auto !important;
  border-radius:0 0 24px 24px !important;
  background: linear-gradient(180deg, rgba(8,32,72,0.72) 0%, rgba(8,32,72,0.97) 100%) !important;
  padding: 22px 28px 26px !important;
  backdrop-filter: blur(6px) !important;
  -webkit-backdrop-filter: blur(6px) !important;
  border-top: 1px solid rgba(255,255,255,0.08) !important;
}
.home-about-q{
  color: rgba(255,255,255,0.8) !important;
  font-size: 0.85rem !important;
  font-weight: 700 !important;
  line-height: 1.3 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.08em !important;
}
.home-about-phone{
  display:block !important;
  margin-top:6px !important;
  color:#ffc400 !important;
  font-size: clamp(1.25rem, 2.2vw, 1.75rem) !important;
  font-weight:900 !important;
  text-decoration:none !important;
  letter-spacing:.03em !important;
  white-space: nowrap !important;
  line-height: 1.2 !important;
}
.home-about-phone:hover{ color:#ffe066 !important; }
.home-about-actions{ display:flex; flex-wrap:wrap; gap:10px; margin-top:10px; }

.home-personal-img{
  border-radius:16px;
  box-shadow:0 12px 30px rgba(15,23,42,.08);
}
.home-personal-cta{
  margin-top:10px;
  min-width:min(100%, 420px);
  gap:8px;
}

.home-video-wrap{
  max-width:860px;
  margin:0 auto 22px;
  border-radius:16px;
  overflow:hidden;
  box-shadow:0 16px 40px rgba(15,23,42,.12);
  background:#000;
}
.home-video-wrap .mu-video,
.home-video-wrap iframe{
  width:100%;
  aspect-ratio:16/9;
  border:0;
  display:block;
  min-height:280px;
}
.home-insurance-title{
  text-align:center;
  color:#0b57c7;
  font-size:clamp(1.25rem,2vw,1.7rem);
  font-weight:900;
  margin:10px 0 8px;
  line-height:1.25;
}
.home-insurance-text{
  text-align:center;
  color:#5b6b82;
  max-width:720px;
  margin:0 auto;
  line-height:1.6;
}

@media (max-width: 900px){
  .home-split,
  .home-split-about{ grid-template-columns:1fr !important; gap:22px; }
  .home-about-callout{ position:absolute !important; bottom:0 !important; top:auto !important; left:0 !important; right:0 !important; border-radius:0 0 18px 18px !important; }
  .home-refi-bubble{ max-width:70%; font-size:.92rem; }
  .home-personal-cta{ width:100%; }
}


/* ===== OFFER CARDS PREMIUM v80 ===== */
#angebote { background: linear-gradient(175deg, #f0f5ff 0%, #ffffff 60%) !important; }

.grid-4 {
  display: grid !important;
  grid-template-columns: repeat(4, minmax(0, 1fr)) !important;
  gap: 22px !important;
}

.card.offer-card,
.offer-card {
  display: flex !important;
  flex-direction: column !important;
  padding: 0 !important;
  overflow: hidden !important;
  border-radius: 22px !important;
  border: 1px solid rgba(29, 107, 255, 0.12) !important;
  background: #fff !important;
  box-shadow: 0 8px 32px rgba(15, 35, 90, 0.10) !important;
  transition: transform 0.28s cubic-bezier(.22,.61,.36,1), box-shadow 0.28s ease !important;
  position: relative !important;
}

.card.offer-card:hover,
.offer-card:hover {
  transform: translateY(-8px) scale(1.015) !important;
  box-shadow: 0 20px 52px rgba(15, 35, 90, 0.18) !important;
}

.offer-media {
  width: 100% !important;
  aspect-ratio: 4 / 3 !important;
  overflow: hidden !important;
  background: #dbeafe !important;
  border: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  position: relative !important;
}

/* Subtle bottom gradient for premium look */
.offer-media::after {
  content: '' !important;
  position: absolute !important;
  bottom: 0; left: 0; right: 0 !important;
  height: 40% !important;
  background: linear-gradient(to top, rgba(11,44,95,0.18) 0%, transparent 100%) !important;
  z-index: 1 !important;
  pointer-events: none !important;
}

.offer-media img,
.offer-card .offer-media img {
  position: absolute !important;
  inset: 0 !important;
  width: 100% !important;
  height: 100% !important;
  max-width: none !important;
  max-height: none !important;
  object-fit: cover !important;
  object-position: center center !important;
  border: 0 !important;
  border-radius: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  transform: none !important;
  transition: transform 0.5s ease !important;
}

.offer-card:hover .offer-media img {
  transform: scale(1.04) !important;
}

/* Amount in card body (static flow) */
.offer-card-body .offer-amount,
#angebote .offer-amount {
  position: static !important;
  top: auto !important;
  left: auto !important;
  z-index: auto !important;
  background: none !important;
  box-shadow: none !important;
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
  color: #0b2c5f !important;
  font-size: 1.65rem !important;
  font-weight: 900 !important;
  border-radius: 0 !important;
  padding: 0 !important;
  margin: 0 0 2px !important;
  letter-spacing: -0.03em !important;
  line-height: 1.1 !important;
  text-align: center !important;
  display: block !important;
}

.offer-card-body {
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  padding: 20px 16px 20px !important;
  gap: 12px !important;
  flex: 1 !important;
  text-align: center !important;
}

.offer-rate {
  align-self: center !important;
  background: linear-gradient(90deg, #eef4ff 0%, #dbeafe 100%) !important;
  color: #1d4ed8 !important;
  border-radius: 999px !important;
  padding: 6px 18px !important;
  font-weight: 800 !important;
  font-size: 0.9rem !important;
  margin: 0 !important;
  border: 1px solid rgba(29, 78, 216, 0.12) !important;
}

.offer-card .btn-blue,
.offer-card a.btn-full {
  width: 100% !important;
  margin: 4px 0 0 !important;
  min-height: 48px !important;
  border-radius: 12px !important;
  font-weight: 800 !important;
  font-size: 0.95rem !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  background: linear-gradient(90deg, #1d4ed8 0%, #1d6bff 100%) !important;
  transition: background 0.2s ease, transform 0.15s ease !important;
}

.offer-card .btn-blue:hover,
.offer-card a.btn-full:hover {
  background: linear-gradient(90deg, #1a3fc5 0%, #1259e0 100%) !important;
  transform: translateY(-2px) !important;
}

@media (max-width: 1100px) {
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
}
@media (max-width: 560px) {
  .grid-4 { grid-template-columns: 1fr !important; }
  #angebote .offer-amount { font-size: 1.35rem !important; }
}


/* ===== ABOUT/CONTACTS SECTION PREMIUM v80 ===== */
.home-about {
  background: linear-gradient(160deg, #f5f8ff 0%, #edf3ff 50%, #f9faff 100%) !important;
  position: relative !important;
}

.home-about::before {
  content: '' !important;
  position: absolute !important;
  top: 0; left: 0; right: 0 !important;
  height: 4px !important;
  background: linear-gradient(90deg, #1d4ed8, #1d6bff, #f5b400) !important;
}

.home-about .home-split-about {
  align-items: stretch !important;
  gap: 40px !important;
}

/* Image side */
.home-about-media {
  position: relative !important;
  border-radius: 24px !important;
  overflow: hidden !important;
  box-shadow: 0 20px 60px rgba(11, 44, 95, 0.18) !important;
  min-height: 420px !important;
}

.home-about-media img {
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  object-position: center top !important;
  border-radius: 24px !important;
  display: block !important;
}

/* Callout box floating over image */
.home-about-callout {
  position: absolute !important;
  bottom: 24px !important;
  left: 24px !important;
  right: 24px !important;
  background: linear-gradient(135deg, rgba(9, 38, 83, 0.97) 0%, rgba(12, 63, 140, 0.97) 100%) !important;
  border-radius: 18px !important;
  padding: 20px 24px !important;
  box-shadow: 0 8px 32px rgba(11, 44, 95, 0.28) !important;
  backdrop-filter: blur(8px) !important;
  -webkit-backdrop-filter: blur(8px) !important;
  border: 1px solid rgba(255,255,255,0.1) !important;
}

.home-about-q {
  color: rgba(255,255,255,0.85) !important;
  font-size: 0.9rem !important;
  font-weight: 600 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.08em !important;
  margin-bottom: 6px !important;
}

.home-about-phone {
  display: block !important;
  color: #ffc400 !important;
  font-size: clamp(1.3rem, 2.2vw, 1.8rem) !important;
  font-weight: 900 !important;
  text-decoration: none !important;
  letter-spacing: 0.03em !important;
  line-height: 1.2 !important;
  transition: color 0.2s !important;
}

.home-about-phone:hover {
  color: #ffe066 !important;
}

/* Text side */
.home-about .home-split-copy {
  display: flex !important;
  flex-direction: column !important;
  justify-content: center !important;
  gap: 20px !important;
  padding: 12px 0 !important;
}

.home-about .home-split-copy p {
  font-size: 1.05rem !important;
  line-height: 1.75 !important;
  color: #3a4a62 !important;
  margin: 0 !important;
}

.home-about .home-split-copy p:first-child {
  font-size: 1.1rem !important;
  color: #1e2d45 !important;
  font-weight: 500 !important;
}

.home-about-actions {
  display: flex !important;
  gap: 14px !important;
  flex-wrap: wrap !important;
  margin-top: 8px !important;
}

.home-about-actions .btn-orange {
  background: linear-gradient(90deg, #e68a00 0%, #ffc400 100%) !important;
  color: #0b2c5f !important;
  font-weight: 800 !important;
  border-radius: 12px !important;
  min-height: 50px !important;
  padding: 0 28px !important;
  font-size: 0.95rem !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  box-shadow: 0 6px 20px rgba(230,138,0,0.25) !important;
  transition: transform 0.2s ease, box-shadow 0.2s ease !important;
}

.home-about-actions .btn-orange:hover {
  transform: translateY(-2px) !important;
  box-shadow: 0 10px 28px rgba(230,138,0,0.35) !important;
}

.home-about-actions .btn-blue {
  background: linear-gradient(90deg, #1d4ed8 0%, #1d6bff 100%) !important;
  border-radius: 12px !important;
  min-height: 50px !important;
  padding: 0 24px !important;
  font-weight: 700 !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  transition: transform 0.2s ease !important;
}

.home-about-actions .btn-blue:hover {
  transform: translateY(-2px) !important;
}

/* Stats row inside about section */
.home-about-stats {
  display: flex !important;
  gap: 24px !important;
  flex-wrap: wrap !important;
  padding: 20px 24px !important;
  background: #fff !important;
  border-radius: 18px !important;
  border: 1px solid rgba(29, 107, 255, 0.1) !important;
  box-shadow: 0 4px 16px rgba(11, 44, 95, 0.06) !important;
}

.home-about-stat {
  display: flex !important;
  flex-direction: column !important;
  gap: 2px !important;
}

.home-about-stat-num {
  font-size: 1.5rem !important;
  font-weight: 900 !important;
  color: #1d4ed8 !important;
  line-height: 1 !important;
}

.home-about-stat-lbl {
  font-size: 0.82rem !important;
  color: #6b7a9a !important;
  font-weight: 600 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.06em !important;
}

@media (max-width: 900px) {
  .home-about-media { min-height: 300px !important; }
  .home-about-callout { bottom: 14px; left: 14px; right: 14px; padding: 14px 18px; }
  .home-about-actions { flex-direction: column; }
  .home-about-actions .btn-orange,
  .home-about-actions .btn-blue { width: 100% !important; }
}

/* ===== ULTRA-PREMIUM PRO CARDS (v90) ===== */
.section-offers {
  background: linear-gradient(180deg, #f8fafc 0%, #f1f5f9 100%) !important;
  padding: 70px 0 !important;
}

.pro-offers-grid {
  display: grid !important;
  grid-template-columns: repeat(4, minmax(0, 1fr)) !important;
  gap: 24px !important;
  margin-top: 36px !important;
}

.pro-card {
  background: #ffffff !important;
  border-radius: 20px !important;
  border: 1px solid #e2e8f0 !important;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.05) !important;
  display: flex !important;
  flex-direction: column !important;
  position: relative !important;
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s cubic-bezier(0.16, 1, 0.3, 1), border-color 0.3s ease !important;
  overflow: hidden !important;
}

.pro-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 20px 40px rgba(15, 23, 42, 0.12) !important;
  border-color: #cbd5e1 !important;
}

.pro-card.is-popular {
  border: 2px solid #2563eb !important;
  box-shadow: 0 14px 36px rgba(37, 99, 235, 0.15) !important;
}

.pro-card-badge {
  position: absolute !important;
  top: 14px !important;
  right: 14px !important;
  background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%) !important;
  color: #ffffff !important;
  font-size: 0.72rem !important;
  font-weight: 800 !important;
  padding: 4px 10px !important;
  border-radius: 999px !important;
  letter-spacing: 0.05em !important;
  text-transform: uppercase !important;
  z-index: 2 !important;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3) !important;
}

/* Header inside card */
.pro-card-header {
  padding: 24px 24px 20px !important;
  background: linear-gradient(180deg, #f8fafc 0%, #ffffff 100%) !important;
  border-bottom: 1px solid #f1f5f9 !important;
}

.pro-card-top-row {
  display: flex !important;
  align-items: center !important;
  gap: 10px !important;
  margin-bottom: 14px !important;
}

.pro-card-icon-box {
  width: 42px !important;
  height: 42px !important;
  border-radius: 12px !important;
  background: #eff6ff !important;
  color: #2563eb !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  flex-shrink: 0 !important;
}

.pro-card-icon-box svg {
  width: 22px !important;
  height: 22px !important;
}

.pro-card-cat {
  font-size: 0.82rem !important;
  font-weight: 700 !important;
  color: #64748b !important;
  text-transform: uppercase !important;
  letter-spacing: 0.04em !important;
}

.pro-card-amount {
  font-size: 1.85rem !important;
  font-weight: 900 !important;
  color: #0f172a !important;
  letter-spacing: -0.03em !important;
  line-height: 1.1 !important;
  margin-bottom: 6px !important;
}

.pro-card-sub {
  font-size: 0.85rem !important;
  color: #64748b !important;
  font-weight: 500 !important;
  line-height: 1.35 !important;
}

/* Body & Bullets */
.pro-card-body {
  padding: 20px 24px 24px !important;
  display: flex !important;
  flex-direction: column !important;
  flex: 1 !important;
}

.pro-card-bullets {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 0 24px 0 !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 12px !important;
}

.pro-card-bullets li {
  display: flex !important;
  align-items: flex-start !important;
  gap: 10px !important;
  font-size: 0.88rem !important;
  color: #334155 !important;
  font-weight: 500 !important;
  line-height: 1.4 !important;
  text-align: left !important;
}

.pro-check {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: 18px !important;
  height: 18px !important;
  border-radius: 50% !important;
  background: #dcfce7 !important;
  color: #16a34a !important;
  font-size: 0.72rem !important;
  font-weight: 900 !important;
  flex-shrink: 0 !important;
  margin-top: 1px !important;
}

/* Footer & Button */
.pro-card-footer {
  margin-top: auto !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 12px !important;
}

.pro-card-rate-pill {
  align-self: flex-start !important;
  background: #eff6ff !important;
  color: #1d4ed8 !important;
  font-size: 0.8rem !important;
  font-weight: 700 !important;
  padding: 4px 12px !important;
  border-radius: 999px !important;
  border: 1px solid #dbeafe !important;
}

.pro-card-btn {
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: 100% !important;
  padding: 12px 18px !important;
  background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%) !important;
  color: #ffffff !important;
  font-size: 0.92rem !important;
  font-weight: 700 !important;
  border-radius: 12px !important;
  text-decoration: none !important;
  transition: transform 0.2s ease, box-shadow 0.2s ease !important;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.2) !important;
  border: none !important;
}

.pro-card-btn:hover {
  transform: translateY(-2px) !important;
  box-shadow: 0 8px 18px rgba(37, 99, 235, 0.3) !important;
  color: #ffffff !important;
}

@media (max-width: 1100px) {
  .pro-offers-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }
}

@media (max-width: 600px) {
  .pro-offers-grid {
    grid-template-columns: 1fr !important;
  }
}


/* =========================================================
   MOBILE FULLSCREEN NAV — mutuo.ch format (blue panel)
   ========================================================= */
.mu-drawer {
  position: fixed;
  inset: 0;
  z-index: 100000;
  display: flex;
  flex-direction: column;
  background: #0263c2;
  background: linear-gradient(180deg, #0263c2 0%, #0157ad 100%);
  color: #fff;
  padding: 0;
  transform: translateX(-105%);
  transition: transform .28s cubic-bezier(.22,.61,.36,1);
  overflow: hidden;
  -webkit-overflow-scrolling: touch;
}
.mu-drawer.is-open {
  transform: translateX(0);
}
.mu-drawer[aria-hidden="true"] {
  pointer-events: none;
}
.mu-drawer[aria-hidden="false"],
.mu-drawer.is-open {
  pointer-events: auto;
}

.mu-drawer-topbar {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  padding: 18px 18px 8px;
  min-height: 64px;
}
.mu-drawer-close {
  width: 44px;
  height: 44px;
  border: 0;
  background: transparent;
  padding: 10px 8px;
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 6px;
  cursor: pointer;
}
.mu-drawer-ham-bar {
  display: block;
  width: 26px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .2s ease, opacity .2s ease;
}
/* When open, keep classic 3-bar look like reference (not X) */
.mu-drawer.is-open .mu-drawer-ham-bar { opacity: 1; }

.mu-drawer-nav {
  flex: 1 1 auto;
  overflow-y: auto;
  padding: 8px 0 24px;
}
.mu-drawer-list {
  list-style: none;
  margin: 0;
  padding: 0 0 12px;
}
.mu-drawer-item {
  margin: 0;
  border-bottom: 0;
}
.mu-drawer-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 16px 28px;
  color: #fff !important;
  text-decoration: none !important;
  font-size: 1.55rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1.25;
  background: transparent;
  border: 0;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
}
.mu-drawer-link:hover,
.mu-drawer-link:focus {
  background: rgba(255,255,255,.08);
  color: #fff !important;
  outline: none;
}
.mu-drawer-acc-arrow {
  font-size: 1.6rem;
  font-weight: 300;
  line-height: 1;
  transform: translateY(-1px);
  opacity: .95;
  transition: transform .2s ease;
}
.mu-drawer-accordion.is-open .mu-drawer-acc-arrow {
  transform: rotate(90deg);
}
.mu-drawer-acc-body {
  list-style: none;
  margin: 0;
  padding: 0 0 8px;
  display: none;
  background: rgba(0,0,0,.12);
}
.mu-drawer-accordion.is-open .mu-drawer-acc-body {
  display: block;
}
.mu-drawer-sub-link {
  display: block;
  padding: 12px 28px 12px 40px;
  color: rgba(255,255,255,.92) !important;
  text-decoration: none !important;
  font-size: 1.05rem;
  font-weight: 500;
  line-height: 1.35;
}
.mu-drawer-sub-link:hover {
  background: rgba(255,255,255,.08);
  color: #fff !important;
}

.mu-drawer-footer {
  flex: 0 0 auto;
  padding: 16px 22px calc(22px + env(safe-area-inset-bottom, 0px));
  border-top: 1px solid rgba(255,255,255,.14);
  background: rgba(0,0,0,.10);
}
.mu-drawer-phone-block {
  margin-bottom: 14px;
}
.mu-drawer-phone-label {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.75);
  margin-bottom: 4px;
}
.mu-drawer-phone {
  display: inline-block;
  color: #fff !important;
  text-decoration: none !important;
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.01em;
}
.mu-drawer-langs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.mu-drawer-lang-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 42px;
  height: 34px;
  padding: 0 12px;
  border-radius: 999px;
  border: 1.5px solid rgba(255,255,255,.45);
  color: #fff !important;
  text-decoration: none !important;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .04em;
  background: transparent;
}
.mu-drawer-lang-pill.is-active,
.mu-drawer-lang-pill:hover {
  background: #fff;
  color: #0263c2 !important;
  border-color: #fff;
}

.mu-drawer-backdrop {
  position: fixed;
  inset: 0;
  z-index: 99999;
  background: rgba(8, 20, 48, .45);
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s ease;
}
.mu-drawer-backdrop.is-open {
  opacity: 1;
  pointer-events: auto;
}

/* Lock page scroll when drawer open */
html.mu-nav-open,
html.mu-nav-open body {
  overflow: hidden !important;
  touch-action: none;
}

/* Ensure header hamburger visible on mobile, hidden desktop */
@media (max-width: 980px) {
  .header-menu-btn {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    z-index: 100001;
  }
  /* hide secondary hamburger inside main-nav bar on mobile */
  .main-nav .nav-toggle {
    display: none !important;
  }
  /* desktop-style collapsing nav-links should not fight the drawer */
  .nav-links {
    display: none !important;
  }
  .nav-links.open {
    display: none !important;
  }
}
@media (min-width: 981px) {
  .mu-drawer,
  .mu-drawer-backdrop,
  .header-menu-btn {
    display: none !important;
  }
}


/* =========================================================
   DRAWER HARD OVERRIDE v90 — prevent unstyled menu leak
   ========================================================= */
#mu-mobile-drawer.mu-drawer:not(.is-open),
.mu-drawer:not(.is-open) {
  display: none !important;
  visibility: hidden !important;
  pointer-events: none !important;
  transform: translateX(-110%) !important;
}
#mu-mobile-drawer.mu-drawer.is-open,
.mu-drawer.is-open {
  display: flex !important;
  visibility: visible !important;
  pointer-events: auto !important;
  position: fixed !important;
  inset: 0 !important;
  z-index: 100000 !important;
  flex-direction: column !important;
  background: #0263c2 !important;
  background: linear-gradient(180deg, #0263c2 0%, #0157ad 100%) !important;
  color: #fff !important;
  transform: translateX(0) !important;
  overflow: hidden !important;
}
.mu-drawer.is-open .mu-drawer-link,
.mu-drawer.is-open .mu-drawer-sub-link,
.mu-drawer.is-open .mu-drawer-phone,
.mu-drawer.is-open .mu-drawer-lang-pill {
  color: #fff !important;
  text-decoration: none !important;
}
.mu-drawer-backdrop:not(.is-open) { display: none !important; }
.mu-drawer-backdrop.is-open {
  display: block !important;
  position: fixed !important;
  inset: 0 !important;
  z-index: 99999 !important;
  background: rgba(8,20,48,.45) !important;
}
@media (max-width: 980px) {
  .nav-links,
  .nav-links.open,
  ul#mu-nav-links,
  ul#mu-nav-links.open {
    display: none !important;
    visibility: hidden !important;
    height: 0 !important;
    overflow: hidden !important;
    position: absolute !important;
    left: -9999px !important;
  }
  .main-nav .nav-toggle { display: none !important; }
  .header-menu-btn { display: inline-flex !important; }
}
@media (min-width: 981px) {
  #mu-mobile-drawer,
  #mu-mobile-drawer.is-open,
  .mu-drawer,
  .mu-drawer.is-open,
  .mu-drawer-backdrop,
  .mu-drawer-backdrop.is-open,
  .header-menu-btn {
    display: none !important;
    visibility: hidden !important;
    pointer-events: none !important;
  }
}


/* =========================================================
   MOBILE HEADER — one row: ☰ | logo | consultation + phone
   ========================================================= */
@media (max-width: 980px) {
  .site-header { overflow: hidden; }
  .site-header .container.header-main,
  .header-main {
    display: flex !important;
    flex-direction: row !important;
    flex-wrap: nowrap !important;
    align-items: center !important;
    justify-content: flex-start !important;
    gap: 8px !important;
    min-height: 64px !important;
    padding: 8px 0 !important;
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
    grid-template-columns: none !important;
    grid-template-areas: none !important;
  }
  .header-menu-btn {
    display: inline-flex !important;
    order: 1 !important;
    flex: 0 0 36px !important;
    width: 36px !important;
    height: 36px !important;
    margin: 0 !important;
    grid-area: auto !important;
  }
  .brand-link {
    order: 2 !important;
    flex: 0 1 auto !important;
    min-width: 0 !important;
    max-width: 42% !important;
    grid-area: auto !important;
  }
  .brand-logo {
    height: 30px !important;
    width: auto !important;
    max-width: 140px !important;
    object-fit: contain !important;
  }
  .header-center,
  .header-phone-block {
    order: 3 !important;
    margin-left: auto !important;
    flex: 1 1 auto !important;
    min-width: 0 !important;
    max-width: 54% !important;
    width: auto !important;
    text-align: right !important;
    padding: 0 !important;
    grid-area: auto !important;
    overflow: hidden !important;
  }
  .header-consult-label {
    display: block !important;
    width: 100% !important;
    text-align: right !important;
    white-space: nowrap !important;
    overflow: hidden !important;
    text-overflow: ellipsis !important;
    font-size: 10px !important;
    line-height: 1.15 !important;
    margin: 0 0 1px !important;
  }
  .header-phone {
    display: block !important;
    width: 100% !important;
    text-align: right !important;
    white-space: nowrap !important;
    overflow: hidden !important;
    text-overflow: ellipsis !important;
    font-size: clamp(12px, 3.6vw, 16px) !important;
    font-weight: 800 !important;
    letter-spacing: 0 !important;
    line-height: 1.15 !important;
  }
  .header-meta { display: none !important; }
}
@media (max-width: 380px) {
  .brand-logo { height: 26px !important; max-width: 110px !important; }
  .header-phone { font-size: 12px !important; }
  .header-consult-label { font-size: 9px !important; }
}
@media (min-width: 981px) {
  .header-center,
  .header-phone-block {
    text-align: center !important;
    max-width: none !important;
    margin-left: 0 !important;
  }
  .header-phone {
    white-space: nowrap !important;
    overflow: visible !important;
  }
}

/* =========================================================
   KEYBOARD STABILITY LOCK — keep page centered on mobile
   ========================================================= */
html {
  width: 100%;
  max-width: 100%;
  overflow-x: clip;
}
body {
  width: 100%;
  max-width: 100%;
  overflow-x: clip;
  position: relative;
  background: #fff;
}
*,
*::before,
*::after { box-sizing: border-box; }

.mu-hp {
  position: absolute !important;
  left: 0 !important;
  top: 0 !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  clip: rect(0 0 0 0) !important;
  clip-path: inset(50%) !important;
  white-space: nowrap !important;
  border: 0 !important;
  padding: 0 !important;
  margin: 0 !important;
}

.mu-app-form-wrap,
.mu-app-form-card,
.mu-app-form,
.section,
.container,
.mu-container {
  max-width: 100% !important;
  box-sizing: border-box;
}
.mu-app-form-wrap {
  width: 100%;
  margin-left: auto !important;
  margin-right: auto !important;
  padding-left: 0;
  padding-right: 0;
}
.mu-app-form-card {
  overflow: hidden;
}
.mu-app-form input,
.mu-app-form select,
.mu-app-form textarea {
  font-size: 16px !important; /* prevent iOS focus zoom */
  max-width: 100%;
}
.mu-app-months {
  display: flex !important;
  flex-wrap: wrap !important;
  gap: 8px !important;
  width: 100% !important;
  max-width: 100% !important;
  overflow: hidden !important;
}
.mu-app-month {
  flex: 1 1 calc(33.333% - 8px);
  min-width: 52px !important;
  max-width: 100% !important;
}

@media (max-width: 980px) {
  html, body {
    overflow-x: clip !important;
    overscroll-behavior-x: none;
  }
  .site-header,
  .top-lang-bar,
  main,
  .mu-app-form-wrap,
  .hero-calc,
  .section {
    max-width: 100vw;
    overflow-x: clip;
  }
  .container,
  .mu-container,
  .header-main {
    padding-left: max(12px, env(safe-area-inset-left)) !important;
    padding-right: max(12px, env(safe-area-inset-right)) !important;
    width: 100% !important;
    max-width: 100% !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }
}

/* When virtual keyboard is open (JS adds class) */
html.kb-open,
html.kb-open body {
  overflow-x: hidden !important;
  width: 100% !important;
  max-width: 100% !important;
}
html.kb-open body {
  position: relative;
  left: 0 !important;
  transform: none !important;
}

/* SHORT FORM COMPACT */
.mu-app-form-short .mu-app-field { margin-bottom: 10px; }
.mu-app-form-short .mu-app-title { font-size: 1.4rem; }
.mu-app-form-short .mu-app-sub { margin-bottom: 14px; }
.mu-app-form-card { padding: 22px 20px 18px !important; }
@media (max-width: 700px) {
  .mu-app-form-short .mu-app-grid-2 { grid-template-columns: 1fr !important; }
}

/* =========================================================
   MUTUO.CH FORM CLONE — Mutuo Gruppe.de (€)
   ========================================================= */
body:has(#kreditantrag-formular) .mu-page-hero { display: none; }
.mu-ch-form {
  max-width: 640px;
  margin: 8px auto 40px;
  padding: 12px 18px 28px;
  background: #fff;
  color: #333;
  font-family: Arial, Helvetica, sans-serif;
}
.mu-ch-safe {
  background: #f5b400;
  color: #fff;
  font-weight: 700;
  font-size: 15px;
  text-align: center;
  padding: 10px 18px;
  border-radius: 8px;
  margin: 0 0 22px;
  max-width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  line-height: 1.3;
}
.mu-ch-safe-i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: #e03e2d;
  color: #fff;
  font-size: 12px;
  font-weight: 800;
  flex: 0 0 auto;
}
.mu-ch-h1 {
  text-align: center;
  color: #1a57c5;
  font-size: 32px;
  font-weight: 800;
  margin: 4px 0 18px;
  padding-bottom: 12px;
  border-bottom: 2px dotted #c5d0dc;
}
.mu-ch-benefits {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 0 0 26px;
}
.mu-ch-ben {
  background: #e7f3ff;
  border-radius: 8px;
  padding: 14px 16px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: #1657b8;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.35;
  min-height: 0;
}
.mu-ch-check {
  color: #2f80ed;
  font-weight: 800;
  flex: 0 0 auto;
  font-size: 18px;
  line-height: 1.2;
}
.mu-ch-h2 {
  color: #0061ff;
  font-size: 22px;
  font-weight: 700;
  margin: 28px 0 16px;
}
.mu-ch-row {
  display: grid;
  gap: 16px 20px;
  margin-bottom: 14px;
}
.mu-ch-row-2 { grid-template-columns: 1fr 1fr; }
.mu-ch-row-3 { grid-template-columns: 1fr 1fr 1fr; }
.mu-ch-field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: #333;
  margin-bottom: 5px;
}
.mu-ch-field input[type="text"],
.mu-ch-field input[type="email"],
.mu-ch-field input[type="tel"],
.mu-ch-field input[type="number"],
.mu-ch-field select {
  width: 100%;
  height: 36px;
  border: 1px solid #c9c9c9;
  background: #fff;
  padding: 6px 8px;
  font-size: 14px;
  color: #222;
  border-radius: 2px;
  box-sizing: border-box;
}
.mu-ch-field input.mu-ch-green {
  background: #c8ee86;
  border-color: #9ed45f;
  font-weight: 600;
  height: 44px;
}
.mu-ch-field input:focus,
.mu-ch-field select:focus {
  outline: none;
  border-color: #0061ff;
  box-shadow: 0 0 0 2px rgba(0,97,255,.15);
}
.mu-ch-radios {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 16px;
  align-items: center;
  min-height: 36px;
}
.mu-ch-radio {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 14px;
  font-weight: 500;
  color: #333;
  cursor: pointer;
}
.mu-ch-radio input { accent-color: #0061ff; }
.mu-ch-birth {
  display: grid;
  grid-template-columns: 1fr 1fr 1.2fr;
  gap: 6px;
}
.mu-ch-legal {
  max-width: 640px;
  margin: 28px auto 0;
  text-align: center;
}
.mu-ch-terms {
  display: flex;
  gap: 10px;
  text-align: left;
  font-size: 14px;
  line-height: 1.45;
  color: #333;
  align-items: flex-start;
}
.mu-ch-terms input { margin-top: 4px; accent-color: #0061ff; flex: 0 0 auto; }
.mu-ch-free {
  margin: 14px 0 18px;
  color: #444;
  font-size: 14px;
}
.mu-ch-info {
  display: inline-flex;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: #2f80ed;
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  align-items: center;
  justify-content: center;
  margin-right: 4px;
}
.mu-ch-submit {
  display: inline-block;
  min-width: 220px;
  height: 46px;
  padding: 0 36px;
  background: #1d6bff;
  color: #fff !important;
  border: 0;
  border-radius: 4px;
  font-size: 18px;
  font-weight: 700;
  cursor: pointer;
}
.mu-ch-submit:hover { background: #1558d6; }
.mu-ch-submit:disabled { opacity: .7; cursor: wait; }

@media (max-width: 800px) {
  .mu-ch-row-2,
  .mu-ch-row-3 { grid-template-columns: 1fr !important; }
  .mu-ch-ben { min-height: 0; }
  .mu-ch-h1 { font-size: 26px; }
  .mu-ch-form { padding: 8px 12px 24px; }
  .mu-ch-safe { max-width: 100%; font-size: 14px; }
}

/* keep iOS from zooming */
.mu-ch-form input,
.mu-ch-form select { font-size: 16px !important; }

/* =========================================================
   MUTUO.CH HEADER CLONE — top langs + brand row + nav
   ========================================================= */
.top-lang-bar { display: none !important; }

.site-header.mu-ch-head {
  background: #0061ff !important;
  overflow: visible !important;
  width: 100% !important;
  max-width: 100vw !important;
  box-sizing: border-box !important;
}
.mu-ch-topbar {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  max-width: 1140px;
  margin: 0 auto;
  padding: 6px 16px 0;
}
.site-header.mu-ch-head .container.header-main,
.site-header.mu-ch-head .header-main {
  display: grid !important;
  grid-template-columns: 190px minmax(240px, 1fr) auto auto !important;
  grid-template-areas: "logo phone hours addr" !important;
  align-items: center !important;
  column-gap: 18px !important;
  min-height: 78px !important;
  padding: 6px 16px 10px !important;
  width: 100% !important;
  max-width: 1140px !important;
  margin: 0 auto !important;
  box-sizing: border-box !important;
}
.site-header.mu-ch-head .header-menu-btn { display: none !important; }
.site-header.mu-ch-head .brand-link {
  grid-area: logo !important;
  min-width: 0 !important;
  max-width: 190px !important;
  justify-self: start !important;
}
.site-header.mu-ch-head .brand-logo {
  height: 48px !important;
  width: auto !important;
  max-width: 188px !important;
  display: block;
}
.site-header.mu-ch-head .header-center,
.site-header.mu-ch-head .header-phone-block {
  grid-area: phone !important;
  margin: 0 !important;
  padding: 0 8px !important;
  text-align: center !important;
  min-width: 0 !important;
}
.site-header.mu-ch-head .header-consult-label {
  display: block !important;
  color: #ffb400 !important;
  font-size: 15px !important;
  font-weight: 800 !important;
  line-height: 1.15 !important;
  margin: 0 0 2px !important;
  text-align: center !important;
  white-space: nowrap !important;
}
.site-header.mu-ch-head .header-phone {
  display: block !important;
  color: #fff !important;
  font-size: 30px !important;
  font-weight: 800 !important;
  line-height: 1.05 !important;
  letter-spacing: 0 !important;
  white-space: nowrap !important;
  text-align: center !important;
  text-decoration: none !important;
}
.mu-ch-hours,
.mu-ch-addr {
  color: #fff;
  line-height: 1.25;
  font-size: 13px;
  font-weight: 600;
}
.mu-ch-hours { grid-area: hours; text-align: right; padding-right: 10px; border-right: 1px solid rgba(255,255,255,.28); }
.mu-ch-addr { grid-area: addr; text-align: left; padding-left: 4px; }
.mu-ch-hours strong,
.mu-ch-addr strong {
  display: block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .02em;
  margin-bottom: 2px;
}
.mu-ch-hours span,
.mu-ch-addr span { display: block; font-weight: 600; opacity: .95; }

.mu-ch-langs {
  display: flex !important;
  align-items: center;
  justify-content: flex-end;
  flex-wrap: nowrap;
  gap: 16px;
}
.mu-ch-langs > a,
.mu-ch-langs .lang-more-btn {
  display: inline-block;
  color: #fff !important;
  padding: 4px 2px;
  border: 0;
  font-size: 13px;
  font-weight: 700;
  text-decoration: none !important;
  white-space: nowrap;
  background: transparent;
}
.mu-ch-langs > a.is-active { text-decoration: underline !important; text-underline-offset: 4px; }
.mu-ch-langs .lang-more { position: relative; }
.mu-ch-langs .lang-more-menu {
  display: none;
  position: absolute;
  right: 0; top: calc(100% + 6px);
  background: #fff;
  min-width: 140px;
  border-radius: 4px;
  box-shadow: 0 8px 24px rgba(0,0,0,.18);
  z-index: 220;
  padding: 6px 0;
}
.mu-ch-langs .lang-more:hover .lang-more-menu,
.mu-ch-langs .lang-more:focus-within .lang-more-menu { display: block; }
.mu-ch-langs .lang-more-menu a {
  display: block;
  color: #0b2c5f !important;
  padding: 8px 14px;
  border: 0;
  font-weight: 600;
}
.mu-ch-langs .lang-more-menu a:hover { background: #eef4ff; }

.main-nav { overflow: visible; }
.main-nav-inner { overflow: visible; max-width: 1140px; }
.nav-right { display: flex; align-items: center; gap: 6px; }
.nav-contact-btn {
  display: inline-flex !important;
  align-items: center;
  gap: 7px;
  color: #fff !important;
  font-weight: 800;
  font-size: 13px;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 10px 14px 10px 16px;
  border-left: 1px solid rgba(255,255,255,.22);
  margin-left: 4px;
  white-space: nowrap;
}
.nav-contact-btn:hover { color: #ffe08a !important; }

.blog-card-img { height: 188px; overflow: hidden; background: #0b3ea8; }
.blog-card-img img { width:100%; height:100%; object-fit: cover; display:block; }
.blog-inline-figure {
  margin: 8px 0 20px;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 10px 24px rgba(11,44,95,.10);
}
.blog-inline-figure img { width:100%; height:auto; display:block; }

@media (max-width: 1100px) {
  .site-header.mu-ch-head .header-phone { font-size: 24px !important; }
  .mu-ch-hours, .mu-ch-addr { font-size: 12px; }
}

@media (max-width: 980px) {
  .mu-ch-topbar { display: none !important; }
  .site-header.mu-ch-head .header-main {
    display: flex !important;
    grid-template-columns: none !important;
    grid-template-areas: none !important;
    gap: 8px !important;
    min-height: 60px !important;
    padding: 8px 12px !important;
    max-width: 100% !important;
  }
  .site-header.mu-ch-head .header-menu-btn {
    display: inline-flex !important;
    order: 1 !important;
    width: 36px !important;
    height: 36px !important;
    flex: 0 0 36px !important;
  }
  .site-header.mu-ch-head .brand-link { order: 2 !important; max-width: 42% !important; }
  .site-header.mu-ch-head .brand-logo { height: 32px !important; max-width: 130px !important; }
  .site-header.mu-ch-head .header-center,
  .site-header.mu-ch-head .header-phone-block {
    order: 3 !important;
    margin-left: auto !important;
    text-align: right !important;
    max-width: 52% !important;
    padding: 0 !important;
  }
  .site-header.mu-ch-head .header-phone {
    font-size: 16px !important;
    text-align: right !important;
  }
  .site-header.mu-ch-head .header-consult-label {
    font-size: 11px !important;
    text-align: right !important;
  }
  .mu-ch-hours, .mu-ch-addr { display: none !important; }
  .nav-contact-btn { display: none !important; }
}

/* =========================================================
   MUTUO.CH CONTACT PAGE
   ========================================================= */
.mu-ct { padding: 22px 0 48px; background:#fff; }
.mu-ct-h1 {
  color:#0061ff; font-size:28px; font-weight:700;
  margin: 0 0 10px; text-align:center;
}
.mu-ct-lead { text-align:center; color:#555; margin: 0 0 22px; font-size:16px; }
.mu-ct-lead-mob { display:none; }
.mu-ct-grid {
  display:grid; grid-template-columns: 1fr 1fr; gap: 40px 48px;
  align-items:start; max-width: 980px; margin: 0 auto;
}
.mu-ct-cards { display:grid; grid-template-columns: 1fr 1fr; gap: 18px 16px; }
.mu-ct-item { display:flex; gap:10px; align-items:flex-start; font-size:14px; color:#222; line-height:1.35; }
.mu-ct-item strong { display:block; margin-bottom:2px; color:#111; }
.mu-ct-item a { color:#0061ff; font-weight:600; text-decoration:none; }
.mu-ct-ico {
  flex:0 0 40px; width:40px; height:40px; border:1px solid #d5d5d5; border-radius:50%;
  display:flex; align-items:center; justify-content:center; background:#fff;
}
.mu-ct-ico-wa { border-color:#25d366; }
.mu-ct-socials { display:flex; gap:10px; margin-top:18px; align-items:center; }
.mu-ct-socials a,
.mu-ct-soc {
  width:36px; height:36px; border-radius:50%; background:#8a8a8a; color:#fff !important;
  display:inline-flex; align-items:center; justify-content:center;
  text-decoration:none !important; line-height:0;
}
.mu-ct-soc svg { display:block; }
.mu-ct-soc:hover { background:#0061ff; }
.mu-ct-form label { display:block; font-weight:700; font-size:14px; margin:0 0 12px; color:#0061ff; }
.mu-ct-form input, .mu-ct-form textarea {
  display:block; width:100%; margin-top:4px; border:1px solid #c9c9c9;
  padding:8px 10px; font-size:16px; border-radius:2px; box-sizing:border-box; color:#222;
}
.mu-ct-captcha { background:#f3f3f3; padding:10px 12px; margin: 8px 0 14px; }
.mu-ct-captcha > span { display:block; font-weight:700; color:#0061ff; margin-bottom:6px; }
.mu-ct-cap-row { display:flex; align-items:center; gap:10px; }
.mu-ct-cap-row strong { background:#fff; border:1px solid #ccc; padding:6px 10px; min-width:64px; text-align:center; }
.mu-ct-cap-row input { width:90px !important; margin:0 !important; }
.mu-ct-form .mu-ch-submit { margin-top:6px; min-width:180px; }
@media (max-width: 800px) {
  .mu-ct-grid { grid-template-columns: 1fr; gap: 18px; }
  .mu-ct-cards { grid-template-columns: 1fr 1fr; }
  .mu-ct-h1 { font-size:22px; }
  .mu-ct-lead-desk { display:none; }
  .mu-ct-lead-mob { display:block; text-align:center; margin: 4px 0 16px; }
  .mu-ct-form .mu-ch-submit { display:block; margin: 10px auto 0; }
}


/* =========================================================
   MUTUO.CH HALF-PAGE DRAWER — left 50%, page stays visible
   ========================================================= */
@media (max-width: 980px) {
  #mu-mobile-drawer.mu-drawer,
  .mu-drawer {
    display: flex !important;
    visibility: visible !important;
    position: fixed !important;
    top: 0 !important;
    left: 0 !important;
    bottom: 0 !important;
    right: auto !important;
    width: 50vw !important;
    max-width: 320px !important;
    min-width: 230px !important;
    height: 100% !important;
    inset: auto !important;
    z-index: 100000 !important;
    flex-direction: column !important;
    background: #0061ff !important;
    color: #fff !important;
    padding: 0 !important;
    transform: translateX(-105%) !important;
    transition: transform .28s ease !important;
    box-shadow: 4px 0 24px rgba(0,0,0,.18);
    overflow: hidden !important;
  }
  #mu-mobile-drawer.mu-drawer.is-open,
  .mu-drawer.is-open {
    display: flex !important;
    visibility: visible !important;
    pointer-events: auto !important;
    transform: translateX(0) !important;
    inset: auto !important;
    top: 0 !important;
    left: 0 !important;
    bottom: 0 !important;
    width: 50vw !important;
    max-width: 320px !important;
  }
  .mu-drawer-topbar {
    min-height: 56px !important;
    padding: 12px 14px 6px !important;
  }
  .mu-drawer-nav {
    flex: 1 1 auto !important;
    overflow-y: auto !important;
    padding: 0 !important;
  }
  .mu-drawer-link {
    font-size: 17px !important;
    font-weight: 600 !important;
    padding: 13px 16px !important;
    border-bottom: 1px solid rgba(255,255,255,.18) !important;
    letter-spacing: 0 !important;
  }
  .mu-drawer-acc-arrow {
    font-size: 20px !important;
    font-weight: 300 !important;
  }
  .mu-drawer-sub-link {
    font-size: 15px !important;
    padding: 10px 16px 10px 26px !important;
  }
  .mu-drawer-footer {
    background: transparent !important;
    border-top: 0 !important;
    padding: 12px 14px 18px !important;
  }
  .mu-drawer-phone-block { display: none !important; }
  .mu-drawer-langs {
    display: flex !important;
    flex-wrap: wrap !important;
    gap: 8px 10px !important;
    justify-content: flex-start !important;
  }
  .mu-drawer-lang-pill {
    min-width: 36px !important;
    height: 28px !important;
    padding: 0 8px !important;
    border-radius: 999px !important;
    border: 1px solid rgba(255,255,255,.85) !important;
    font-size: 12px !important;
    font-weight: 700 !important;
    background: transparent !important;
    color: #fff !important;
  }
  .mu-drawer-lang-pill.is-active {
    background: #fff !important;
    color: #0061ff !important;
  }
  .mu-drawer-backdrop.is-open {
    display: block !important;
    background: rgba(0,0,0,.18) !important;
  }
}


/* =========================================================
   MOBILE HEADER v103 — mutuo.ch: ☰ logo | phone + Kontakt
   ========================================================= */
@media (max-width: 980px) {
  .site-header.mu-ch-head {
    position: relative !important;
    overflow: visible !important;
    min-height: 0 !important;
  }
  .site-header.mu-ch-head .container.header-main,
  .site-header.mu-ch-head .header-main {
    display: flex !important;
    flex-direction: row !important;
    flex-wrap: nowrap !important;
    align-items: center !important;
    justify-content: flex-start !important;
    gap: 8px !important;
    min-height: 64px !important;
    padding: 8px 10px !important;
    max-width: 100% !important;
    width: 100% !important;
    box-sizing: border-box !important;
    grid-template-columns: none !important;
    grid-template-areas: none !important;
    position: relative !important;
  }
  .site-header.mu-ch-head .header-menu-btn,
  .header-menu-btn {
    display: inline-flex !important;
    visibility: visible !important;
    pointer-events: auto !important;
    order: 1 !important;
    position: static !important;
    flex: 0 0 36px !important;
    width: 36px !important;
    height: 36px !important;
    margin: 0 !important;
    z-index: 5 !important;
  }
  .site-header.mu-ch-head .brand-link {
    order: 2 !important;
    position: static !important;
    flex: 0 1 auto !important;
    max-width: 38% !important;
    min-width: 0 !important;
    margin: 0 !important;
  }
  .site-header.mu-ch-head .brand-logo {
    height: 30px !important;
    max-width: 128px !important;
    width: auto !important;
  }
  .site-header.mu-ch-head .header-center,
  .site-header.mu-ch-head .header-phone-block {
    order: 3 !important;
    position: static !important;
    margin-left: auto !important;
    margin-right: 0 !important;
    top: auto !important;
    right: auto !important;
    left: auto !important;
    max-width: none !important;
    width: auto !important;
    text-align: right !important;
    overflow: visible !important;
    flex: 0 0 auto !important;
  }
  .site-header.mu-ch-head .header-phone {
    display: block !important;
    font-size: 15px !important;
    line-height: 1.15 !important;
    white-space: nowrap !important;
    overflow: visible !important;
    text-overflow: clip !important;
    text-align: right !important;
    max-width: none !important;
    width: auto !important;
  }
  .site-header.mu-ch-head .header-consult-label {
    display: block !important;
    font-size: 10px !important;
    line-height: 1.15 !important;
    margin: 0 0 4px !important;
    text-align: right !important;
    overflow: visible !important;
    white-space: nowrap !important;
  }
  .site-header.mu-ch-head .mu-ch-kontakt,
  .mu-ch-kontakt {
    display: inline-flex !important;
    visibility: visible !important;
    order: 4 !important;
    position: static !important;
    top: auto !important;
    right: auto !important;
    margin: 0 0 0 6px !important;
    padding: 5px 8px !important;
    font-size: 11px !important;
    gap: 4px !important;
    flex: 0 0 auto !important;
    z-index: 5 !important;
  }
  .mu-ch-langs { display: none !important; }
}

@media (max-width: 380px) {
  .site-header.mu-ch-head .header-phone { font-size: 13px !important; }
  .site-header.mu-ch-head .brand-logo { height: 26px !important; max-width: 100px !important; }
  .site-header.mu-ch-head .mu-ch-kontakt,
  .mu-ch-kontakt { padding: 4px 6px !important; font-size: 10px !important; }
}


/* HIDE HEADER CONTACT BUTTONS */
.mu-ch-kontakt,
.nav-contact-btn { display: none !important; }


/* ── Security overlays (cookie bar, screenshot shield) — layout of the site unchanged ── */
body{ -webkit-user-select:none; user-select:none; }
input, textarea, select, [contenteditable="true"]{ -webkit-user-select:text !important; user-select:text !important; }
#mu-cookie-gate{
  position:fixed;left:0;right:0;bottom:0;z-index:40;
  background:#0b2c5f;color:#fff;
  padding:10px 16px;
  box-shadow:0 -8px 30px rgba(0,0,0,.18);
  pointer-events:auto;
}
.mu-cg-card{
  width:100%;max-width:1100px;margin:0 auto;
  display:flex;flex-wrap:wrap;align-items:center;gap:12px 18px;
  background:transparent;color:#fff;padding:0;box-shadow:none;border-radius:0;
  font-family:inherit;
}
.mu-cg-card h2{margin:0;font-size:1rem;color:#fff;flex:0 0 auto;}
.mu-cg-card p{margin:0;line-height:1.45;font-size:.88rem;color:#e2e8f0;flex:1 1 240px;}
.mu-cg-more a{color:#fbbf24;font-weight:700;}
.mu-cg-btn{
  display:inline-block;width:auto;min-width:180px;border:0;border-radius:10px;
  background:#f59e0b;color:#111;font-weight:800;
  padding:11px 16px;cursor:pointer;font:inherit;flex:0 0 auto;
}
.mu-cg-btn:hover{filter:brightness(1.05);}
#mu-shot-mask{
  position:fixed;inset:0;z-index:30;pointer-events:none !important;
  background:#0b2c5f;
  opacity:0;
  visibility:hidden;
}
#mu-shot-mask.is-on{
  opacity:.92;
  visibility:visible;
  pointer-events:none !important;
}
#mu-shot-mask .mu-shot-inner{
  position:absolute;inset:0;
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:900;font-size:1.4rem;letter-spacing:.04em;
  background:#0b2c5f;
}
html.mu-shot-on, html.mu-shot-on body{
  background:#0b2c5f !important;
}
.mu-sec-captcha{margin:12px 0;}
.mu-sec-captcha-label{display:flex;flex-direction:column;gap:6px;font-size:.9rem;font-weight:700;}
.mu-sec-captcha-input{
  max-width:120px;padding:8px 10px;border:1px solid #d9e4f5;border-radius:10px;font:inherit;
}
.mu-hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important;}
#mu-livechat{position:fixed;right:16px;bottom:calc(18px + env(safe-area-inset-bottom,0px) + var(--mu-kb,0px));z-index:2147483000;font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;pointer-events:none;transition:bottom .12s ease;}
#mu-lc-fab,#mu-lc-box{pointer-events:auto;}
#mu-lc-fab{position:relative;width:58px;height:58px;border:0;border-radius:50%;background:#0b2c5f;color:#fff;cursor:pointer;box-shadow:0 10px 28px rgba(11,44,95,.35);display:inline-flex;align-items:center;justify-content:center;transition:transform .15s ease;}
#mu-lc-fab:hover{transform:translateY(-1px);}
#mu-lc-fab svg{display:block;}
#mu-lc-fab .mu-lc-ico-x{display:none;}
#mu-lc-fab.is-open .mu-lc-ico-chat{display:none;}
#mu-lc-fab.is-open .mu-lc-ico-x{display:block;}
#mu-lc-unread{position:absolute;top:-3px;right:-3px;min-width:18px;height:18px;padding:0 5px;border-radius:999px;background:#f59e0b;color:#0b2c5f;font-size:11px;font-weight:800;line-height:18px;}
#mu-lc-box{display:none;flex-direction:column;position:absolute;right:0;bottom:72px;width:min(360px,calc(100vw - 24px));background:#fff;color:#0f172a;border-radius:20px;border:1px solid #d7e3f4;box-shadow:0 24px 56px rgba(15,23,42,.22);overflow:hidden;max-height:min(560px,calc(100dvh - 96px - var(--mu-kb,0px)));}
#mu-lc-box.is-open{display:flex;}
.mu-lc-head{background:#0b2c5f;color:#fff;padding:14px 46px 14px 14px;display:flex;gap:10px;align-items:center;flex-shrink:0;}
.mu-lc-avatar{width:40px;height:40px;border-radius:50%;background:#f59e0b;color:#0b2c5f;font-weight:900;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.mu-lc-titles{min-width:0;}
.mu-lc-head strong{display:block;font-size:.98rem;font-weight:800;}
.mu-lc-head span{display:block;font-size:.75rem;opacity:.9;margin-top:2px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
.mu-lc-head span:before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:#34d399;margin-right:6px;vertical-align:middle;}
.mu-lc-head span.is-off:before{background:#f87171;}
#mu-lc-x{position:absolute;right:10px;top:10px;background:rgba(255,255,255,.12);border:0;color:#fff;width:32px;height:32px;border-radius:50%;font-size:20px;cursor:pointer;line-height:1;}
#mu-lc-msgs{padding:14px;overflow:auto;min-height:140px;flex:1;background:#f6f8fc;display:flex;flex-direction:column;gap:8px;}
.mu-lc-m{max-width:82%;padding:9px 12px;border-radius:16px;font-size:.9rem;line-height:1.4;}
.mu-lc-m em{display:block;font-style:normal;font-size:.65rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;opacity:.65;margin-bottom:3px;}
.mu-lc-m p{margin:0;white-space:pre-wrap;word-break:break-word;}
.mu-lc-me{align-self:flex-end;background:#1d6bff;color:#fff;border-bottom-right-radius:5px;}
.mu-lc-bot,.mu-lc-ag{align-self:flex-start;background:#fff;border:1px solid #e6eef8;border-bottom-left-radius:5px;}
.mu-lc-ag{border-color:#f3d48a;background:#fff8e8;}
.mu-lc-gate,.mu-lc-composer{display:none;flex-shrink:0;background:#fff;border-top:1px solid #e8eef6;}
.mu-lc-gate.is-show{display:block;padding:14px 14px 12px;}
.mu-lc-composer.is-show{display:flex;gap:8px;padding:10px;align-items:center;}
.mu-lc-gate p{margin:0 0 10px;color:#475569;font-size:.86rem;line-height:1.4;}
.mu-lc-gate label{display:block;font-size:.72rem;font-weight:800;color:#64748b;letter-spacing:.03em;text-transform:uppercase;margin-bottom:6px;}
.mu-lc-gate-row{display:flex;gap:8px;align-items:stretch;}
.mu-lc-gate input{display:block;width:100%;box-sizing:border-box;padding:12px 12px;border:1px solid #d5e2f4;border-radius:12px;font:inherit;margin:0;}
.mu-lc-gate #mu-lc-em-btn{flex-shrink:0;border:0;border-radius:12px;background:#cbd5e1;color:#475569;font-weight:800;padding:0 14px;cursor:not-allowed;min-width:108px;transition:background .15s,color .15s,transform .12s;}
.mu-lc-gate #mu-lc-em-btn.is-ready{background:#f59e0b;color:#111;cursor:pointer;}
.mu-lc-gate #mu-lc-em-btn.is-ready:hover{transform:translateY(-1px);}
.mu-lc-skip{display:block;width:100%;margin-top:8px;border:0;background:transparent;color:#64748b;font-size:.8rem;font-weight:700;cursor:pointer;padding:6px 0;text-decoration:underline;}
.mu-lc-gate button:disabled,.mu-lc-composer button:disabled{opacity:.55;cursor:not-allowed;}
.mu-lc-composer input{flex:1;min-width:0;padding:11px 12px;border:1px solid #d5e2f4;border-radius:14px;font:inherit;}
.mu-lc-composer button{border:0;border-radius:14px;background:#94a3b8;color:#fff;width:44px;height:44px;display:inline-flex;align-items:center;justify-content:center;cursor:not-allowed;flex-shrink:0;transition:background .15s,transform .12s;}
.mu-lc-composer button.is-ready{background:#0b2c5f;cursor:pointer;}
.mu-lc-composer button.is-ready:hover{transform:translateY(-1px);}
@media(max-width:640px){
  #mu-livechat{bottom:calc(12px + env(safe-area-inset-bottom,0px) + var(--mu-kb,0px));right:10px;left:10px;}
  #mu-lc-fab{float:right;}
  #mu-lc-box.is-open{right:0;left:0;width:auto;max-height:min(62dvh,calc(100dvh - 88px - var(--mu-kb,0px)));border-radius:18px;}
  #mu-livechat.is-kb #mu-lc-fab{display:none;}
  #mu-livechat.is-kb #mu-lc-box.is-open{
    position:fixed;left:0;right:0;bottom:var(--mu-kb,0px);width:auto;
    max-height:min(58dvh, calc(100dvh - var(--mu-kb,0px) - 8px));
    border-radius:16px 16px 0 0;z-index:2147483000;
  }
  .mu-lc-composer{padding-bottom:max(10px, env(safe-area-inset-bottom,0px));}
}
@media print {
  html, body, #mu-shot-mask, #mu-shot-mask.is-on { background:#0b2c5f !important; }
  body * { visibility: hidden !important; }
}