/* Extracted from betriebliche-altersvorsorge.php. Edit here, not in PHP. */

/* ============================================================
   BETRIEBLICHE-ALTERSVORSORGE.PHP, Page-specific styles (prefix: bav-)
   ============================================================ */

/* Hero */
.bav-hero {
    background: #1e3a5f;
    padding: 5rem 0 4rem;
    position: relative;
    overflow: hidden;
}
.bav-hero::before {
    content: '';
    position: absolute;
    top: -80px;
    right: -80px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(37,99,235,0.15) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.bav-hero::after {
    content: '';
    position: absolute;
    bottom: -40px;
    left: -40px;
    width: 240px;
    height: 240px;
    background: radial-gradient(circle, rgba(16,185,129,0.08) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.bav-hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3.5rem;
    align-items: center;
    position: relative;
    z-index: 1;
}
.bav-hero-content h1 {
    font-size: clamp(2rem, 4.5vw, 3.1rem);
    font-weight: 800;
    color: #fff;
    line-height: 1.22;
    margin-bottom: 1.2rem;
}
.bav-hero-content h1 span {
    color: #93c5fd;
}
.bav-hero-subtitle {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.82);
    line-height: 1.75;
    margin-bottom: 1.8rem;
}
.bav-trust-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
    margin-bottom: 2rem;
}
.bav-chip {
    background: transparent;
    border: 1.5px solid rgba(255,255,255,0.35);
    color: #e0f2fe;
    font-size: 0.8rem;
    font-weight: 600;
    padding: 0.35rem 0.85rem;
    border-radius: 50px;
    white-space: nowrap;
}
.bav-cta-group {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    align-items: center;
}
.bav-btn-outline-white {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    border: 2px solid rgba(255,255,255,0.6);
    color: #fff;
    font-weight: 700;
    font-size: 1rem;
    padding: 0.9rem 2rem;
    border-radius: 50px;
    text-decoration: none;
    transition: background 0.2s, border-color 0.2s;
    cursor: pointer;
    background: transparent;
}
.bav-btn-outline-white:hover {
    background: rgba(255,255,255,0.12);
    border-color: rgba(255,255,255,0.8);
    color: #fff;
}
.bav-btn-phone {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: #6ee7b7;
    font-weight: 600;
    font-size: 1rem;
    text-decoration: none;
    padding: 0.9rem 1.5rem;
    border: 2px solid rgba(110,231,183,0.5);
    border-radius: 50px;
    transition: background 0.2s, color 0.2s;
}
.bav-btn-phone:hover {
    background: rgba(16,185,129,0.2);
    color: #fff;
    border-color: #6ee7b7;
}

/* SVG Visual */
.bav-hero-visual {
    display: flex;
    justify-content: center;
    align-items: center;
}

/* Stats Bar */
.bav-stats {
    background: rgba(18,36,61,1);
    border-top: 1px solid rgba(255,255,255,0.07);
    padding: 2.5rem 0;
}
.bav-stats-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    text-align: center;
}
.bav-stat-item {
    color: #fff;
    padding: 0.5rem;
}
.bav-stat-value {
    font-size: 1.5rem;
    font-weight: 800;
    display: block;
    margin-bottom: 0.3rem;
    color: #93c5fd;
}
.bav-stat-label {
    font-size: 0.83rem;
    color: rgba(255,255,255,0.7);
    line-height: 1.4;
}

/* Info + Risk Section */
.bav-info-section {
    background: #f8fafc;
    padding: 5rem 0;
}
.bav-info-section .section-title {
    font-size: 2rem;
    font-weight: 800;
    color: #1f2937;
    text-align: center;
    margin-bottom: 0.75rem;
}
.bav-info-section .section-subtitle {
    color: #4b5563;
    text-align: center;
    font-size: 1rem;
    margin-bottom: 3rem;
    max-width: 680px;
    margin-left: auto;
    margin-right: auto;
}
.bav-info-grid {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
}
.bav-info-text h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 0.6rem;
    margin-top: 1.5rem;
}
.bav-info-text h3:first-child {
    margin-top: 0;
}
.bav-info-text p {
    color: #4b5563;
    font-size: 0.95rem;
    line-height: 1.8;
}
.bav-risk-cards {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.bav-risk-card {
    background: #fff;
    border-radius: 12px;
    padding: 1.3rem 1.4rem;
    border-left: 4px solid #ef4444;
    box-shadow: 0 2px 12px rgba(239,68,68,0.08);
}
.bav-risk-card-icon {
    font-size: 1.3rem;
    margin-bottom: 0.4rem;
    display: block;
}
.bav-risk-card-title {
    font-size: 0.93rem;
    font-weight: 700;
    color: #7f1d1d;
    margin-bottom: 0.3rem;
}
.bav-risk-card-desc {
    font-size: 0.85rem;
    color: #6b7280;
    line-height: 1.6;
}

/* Durchführungswege */
.bav-ways-section {
    background: #eff6ff;
    padding: 5rem 0;
}
.bav-ways-section .section-title {
    font-size: 2rem;
    font-weight: 800;
    color: #1f2937;
    text-align: center;
    margin-bottom: 0.75rem;
}
.bav-ways-section .section-subtitle {
    color: #4b5563;
    text-align: center;
    font-size: 1rem;
    margin-bottom: 3rem;
    max-width: 680px;
    margin-left: auto;
    margin-right: auto;
}
.bav-ways-grid {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.3rem;
}
.bav-way-card {
    background: #fff;
    border-radius: 14px;
    padding: 1.7rem 1.4rem;
    border: 1.5px solid #dbeafe;
    transition: box-shadow 0.2s, transform 0.2s;
    position: relative;
}
.bav-way-card:hover {
    box-shadow: 0 6px 24px rgba(37,99,235,0.1);
    transform: translateY(-3px);
}
.bav-way-card.recommended::before {
    content: 'Für KMU empfohlen';
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: #2563eb;
    color: #fff;
    font-size: 0.7rem;
    font-weight: 700;
    padding: 0.2rem 0.8rem;
    border-radius: 50px;
    white-space: nowrap;
}
.bav-way-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    background: linear-gradient(135deg, #2563eb, #1e40af);
    color: #fff;
    font-size: 0.9rem;
    font-weight: 800;
    border-radius: 50%;
    margin-bottom: 1rem;
}
.bav-way-name {
    font-size: 1rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 0.5rem;
}
.bav-way-desc {
    font-size: 0.87rem;
    color: #4b5563;
    line-height: 1.65;
}
.bav-way-note {
    margin-top: 0.75rem;
    font-size: 0.82rem;
    color: #2563eb;
    font-weight: 600;
}
.bav-way-card.not-recommended .bav-way-note {
    color: #ef4444;
}

/* What Lohnklar does (Navy) */
.bav-service-section {
    background: #1e3a5f;
    padding: 5rem 0;
}
.bav-service-section .section-title {
    color: #fff;
    text-align: center;
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 0.75rem;
}
.bav-service-section .section-subtitle {
    color: #93c5fd;
    text-align: center;
    font-size: 1rem;
    margin-bottom: 3rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}
.bav-service-grid {
    max-width: 1000px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.2rem;
}
.bav-service-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    background: rgba(255,255,255,0.05);
    border-radius: 12px;
    padding: 1.3rem 1.4rem;
    border: 1px solid rgba(255,255,255,0.1);
}
.bav-service-check {
    flex-shrink: 0;
    width: 26px;
    height: 26px;
    background: linear-gradient(135deg, #10b981, #059669);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 1px;
}
.bav-service-check svg {
    width: 14px;
    height: 14px;
}
.bav-service-text strong {
    display: block;
    color: #fff;
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 0.25rem;
}
.bav-service-text span {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.65);
    line-height: 1.55;
}

/* Process */
.bav-process-section {
    background: #f8fafc;
    padding: 5rem 0;
}
.bav-process-section .section-title {
    font-size: 2rem;
    font-weight: 800;
    color: #1f2937;
    text-align: center;
    margin-bottom: 0.75rem;
}
.bav-process-section .section-subtitle {
    color: #4b5563;
    text-align: center;
    font-size: 1rem;
    margin-bottom: 3rem;
}
.bav-process-steps {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    position: relative;
}
.bav-process-step {
    background: #fff;
    border-radius: 14px;
    padding: 2rem 1.5rem;
    text-align: center;
    border: 1.5px solid #e5e7eb;
    position: relative;
}
.bav-step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, #2563eb, #1e40af);
    color: #fff;
    font-size: 1.3rem;
    font-weight: 800;
    border-radius: 50%;
    margin: 0 auto 1rem;
}
.bav-step-title {
    font-size: 1rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 0.6rem;
}
.bav-step-desc {
    font-size: 0.88rem;
    color: #4b5563;
    line-height: 1.6;
}

/* FAQ */
.bav-faq-section {
    background: #fff;
    padding: 5rem 0;
}
.bav-faq-section .section-title {
    font-size: 2rem;
    font-weight: 800;
    color: #1f2937;
    text-align: center;
    margin-bottom: 0.75rem;
}
.bav-faq-section .section-subtitle {
    color: #4b5563;
    text-align: center;
    font-size: 1rem;
    margin-bottom: 3rem;
}
.bav-faq-grid {
    max-width: 860px;
    margin: 0 auto;
    padding: 0 2rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.bav-faq-item {
    background: #f8fafc;
    border-radius: 12px;
    border: 1.5px solid #e5e7eb;
    overflow: hidden;
}
.bav-faq-question {
    padding: 1.2rem 1.5rem;
    font-weight: 700;
    color: #1f2937;
    font-size: 0.98rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    transition: background 0.2s;
    user-select: none;
}
.bav-faq-question:hover {
    background: #eff6ff;
}
.bav-faq-question.active {
    color: #1e40af;
    background: #eff6ff;
}
.bav-faq-arrow {
    font-size: 1.1rem;
    transition: transform 0.3s;
    flex-shrink: 0;
    color: #2563eb;
}
.bav-faq-question.active .bav-faq-arrow {
    transform: rotate(180deg);
}
.bav-faq-answer {
    display: none;
    padding: 0 1.5rem 1.3rem;
    color: #4b5563;
    font-size: 0.93rem;
    line-height: 1.8;
    border-top: 1px solid #dbeafe;
    background: #fff;
}

/* CTA Final */
.bav-cta-section {
    background: linear-gradient(135deg, #1e3a5f, #2563eb);
    padding: 5rem 0;
    text-align: center;
}
.bav-cta-section h2 {
    font-size: clamp(1.6rem, 3.5vw, 2.4rem);
    font-weight: 800;
    color: #fff;
    margin-bottom: 1rem;
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
}
.bav-cta-section p {
    color: rgba(255,255,255,0.88);
    font-size: 1.05rem;
    margin-bottom: 2.5rem;
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
}
.bav-cta-buttons {
    display: flex;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
}
.bav-cta-btn-white {
    background: #fff;
    color: #1e40af;
    font-weight: 700;
    font-size: 1rem;
    padding: 0.95rem 2.2rem;
    border-radius: 50px;
    text-decoration: none;
    transition: transform 0.2s, box-shadow 0.2s;
    box-shadow: 0 4px 15px rgba(0,0,0,0.2);
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}
.bav-cta-btn-white:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0,0,0,0.25);
    color: #1e40af;
}
.bav-cta-btn-outline {
    border: 2px solid rgba(255,255,255,0.65);
    color: #fff;
    font-weight: 600;
    font-size: 1rem;
    padding: 0.95rem 2rem;
    border-radius: 50px;
    text-decoration: none;
    transition: background 0.2s;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}
.bav-cta-btn-outline:hover {
    background: rgba(255,255,255,0.12);
    color: #fff;
}

/* Internal Links */
.bav-internal-links {
    background: #f8fafc;
    padding: 4rem 0;
    border-top: 1px solid #e5e7eb;
}
.bav-internal-links-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}
.bav-internal-links h3 {
    font-size: 1.2rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 1.5rem;
    text-align: center;
}
.bav-link-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
}
.bav-link-card {
    background: #fff;
    border-radius: 12px;
    padding: 1.3rem 1.2rem;
    text-decoration: none;
    border: 1.5px solid #e5e7eb;
    transition: border-color 0.2s, box-shadow 0.2s;
    display: block;
}
.bav-link-card:hover {
    border-color: #2563eb;
    box-shadow: 0 4px 15px rgba(37,99,235,0.1);
}
.bav-link-card-icon {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
    display: block;
}
.bav-link-card-title {
    font-size: 0.92rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 0.25rem;
}
.bav-link-card-desc {
    font-size: 0.82rem;
    color: #6b7280;
    line-height: 1.5;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
    .bav-hero-container {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }
    .bav-hero-visual {
        order: -1;
    }
    .bav-hero-visual svg {
        width: 100%;
        height: auto;
    }
    .bav-stats-container {
        grid-template-columns: repeat(2, 1fr);
    }
    .bav-info-grid {
        grid-template-columns: 1fr;
    }
    .bav-ways-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .bav-ways-grid .bav-way-card:last-child:nth-child(2n+1) {
        grid-column: 1 / -1;
        max-width: 360px;
        margin-left: auto;
        margin-right: auto;
    }
    .bav-service-grid {
        grid-template-columns: 1fr;
    }
    .bav-process-steps {
        grid-template-columns: repeat(2, 1fr);
    }
    .bav-link-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (max-width: 768px) {
    .bav-ways-grid {
        grid-template-columns: 1fr;
    }
    .bav-process-steps {
        grid-template-columns: 1fr;
    }
    .bav-cta-group {
        flex-direction: column;
        align-items: flex-start;
    }
}
@media (max-width: 480px) {
    .bav-stats-container {
        grid-template-columns: 1fr 1fr;
    }
    .bav-link-grid {
        grid-template-columns: 1fr;
    }
    .bav-trust-chips {
        gap: 0.4rem;
    }
}