.insurance-page {
    background: var(--white);
    color: var(--text);
}

.insurance-eyebrow {
    display: block;

    margin-bottom: 14px;

    color: var(--gold);

    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.14em;
}
/* HERO */

.insurance-hero {
    padding: 42px 0 78px;

    background:
        linear-gradient(
            135deg,
            rgba(3, 26, 48, 0.035),
            rgba(196, 148, 67, 0.07)
        );
}

.insurance-breadcrumb {
    display: flex;
    gap: 10px;

    margin-bottom: 42px;

    font-size: 14px;
}

.insurance-breadcrumb a {
    color: var(--navy);
    text-decoration: none;
}

.insurance-breadcrumb span {
    color: var(--text-muted);
}

.insurance-hero__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.45fr) minmax(300px, 0.75fr);
    gap: 64px;
    align-items: center;
}

.insurance-hero h1 {
    max-width: 820px;

    margin: 0 0 26px;

    color: var(--navy-deep);

    font-family: Georgia, "Times New Roman", serif;

    font-size: clamp(40px, 5vw, 62px);
    font-weight: 600;
    line-height: 1.04;
    letter-spacing: -0.035em;
}

.insurance-hero__lead {
    margin: 0;

    font-size: 18px;
    line-height: 1.72;
}

.insurance-hero__lead span {
    display: block;
}

.insurance-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;

    margin-top: 34px;
}

.insurance-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    box-sizing: border-box;

    min-height: 48px;
    padding: 12px 22px;

    border: 1px solid transparent;

    text-decoration: none;
    font-weight: 700;

    transition:
        transform var(--transition),
        background var(--transition),
        border-color var(--transition);
}

.insurance-button:hover {
    transform: translateY(-1px);
}

.insurance-button--primary {
    background: var(--navy);
    color: var(--white);
}

.insurance-button--secondary {
    border-color: var(--navy);
    color: var(--navy);
}

.insurance-summary {
    padding: 34px;

    background:
        linear-gradient(
            145deg,
            var(--navy-deep),
            var(--navy-light)
        );

    color: var(--white);

    box-shadow: var(--shadow);
}

.insurance-summary > span {
    display: block;

    margin-bottom: 15px;

    color: var(--gold-light);

    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.14em;
}

.insurance-summary h2 {
    margin: 0 0 18px;

    color: var(--white);

    font-family: Georgia, "Times New Roman", serif;

    font-size: 28px;
    line-height: 1.18;
}

.insurance-summary p {
    margin: 0;

    color: rgba(255, 255, 255, 0.85);

    line-height: 1.7;
}


/* INTRO HEADINGS */

.insurance-section-intro,
.insurance-catalog__intro {
    max-width: 840px;

    margin-bottom: 36px;
}

.insurance-section-intro h2,
.insurance-catalog__intro h2,
.insurance-cta h2 {
    margin: 0 0 15px;

    color: var(--navy-deep);

    font-family: Georgia, "Times New Roman", serif;

    font-size: clamp(32px, 4vw, 45px);
    font-weight: 600;
    line-height: 1.1;
}

.insurance-section-intro p,
.insurance-catalog__intro p {
    margin: 0;

    font-size: 17px;
    line-height: 1.7;
}


/* PRIVAT / GEWERBE CHOICE */

.insurance-audience {
    padding: 76px 0;
}

.insurance-audience__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

.insurance-audience-card {
    min-width: 0;
    min-height: 290px;

    display: flex;
    flex-direction: column;

    padding: 30px 32px;

    border: 1px solid var(--border);

    background:
        linear-gradient(
            120deg,
            rgba(196, 148, 67, 0.065),
            var(--white) 55%
        );

    color: var(--navy-deep);
    text-decoration: none;

    transition:
        transform var(--transition),
        border-color var(--transition),
        box-shadow var(--transition);
}

.insurance-audience-card:hover,
.insurance-audience-card:focus-visible {
    transform: translateY(-2px);

    border-color: rgba(196, 148, 67, 0.65);

    box-shadow: var(--shadow);
}
.insurance-audience-card h3 {
    margin: 0 0 10px;

    color: var(--navy-deep);

    font-family: Georgia, "Times New Roman", serif;

    font-size: clamp(28px, 2.5vw, 36px);
    line-height: 1.1;
}

.insurance-audience-card > p {
    margin: 0;

    line-height: 1.6;
}

.insurance-audience-card__topics {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 18px;

    margin-top: 22px;
}

.insurance-audience-card__topics a {
    position: relative;

    display: inline-flex;
    align-items: center;

    min-width: 0;
    padding-left: 12px;

    color: var(--navy);
    text-decoration: none;

    font-size: 13px;
    font-weight: 700;
    line-height: 1.4;

    transition: color var(--transition);
}

.insurance-audience-card__topics a::before {
    content: "";

    position: absolute;

    left: 0;
    top: 50%;

    width: 5px;
    height: 5px;

    border-radius: 50%;

    background: var(--gold);

    transform: translateY(-50%);
}

.insurance-audience-card__topics a:hover,
.insurance-audience-card__topics a:focus-visible {
    color: var(--gold);
    text-decoration: none;
}

.insurance-audience-card__action {
    display: flex;
    align-items: center;
    justify-content: space-between;

    margin-top: auto;
    padding-top: 20px;

    border-top: 1px solid rgba(8, 42, 74, 0.11);

    color: var(--navy-deep);
    text-decoration: none;

    font-weight: 800;
}

.insurance-audience-card__action span {
    color: var(--gold);

    font-size: 20px;
}

.insurance-audience-card__action:link,
.insurance-audience-card__action:visited,
.insurance-audience-card__action:hover,
.insurance-audience-card__action:focus,
.insurance-audience-card__action:focus-visible,
.insurance-audience-card__action:active {
    color: var(--navy-deep);
    text-decoration: none;
}

.insurance-audience-card__action:hover span,
.insurance-audience-card__action:focus-visible span {
    color: var(--gold);
    text-decoration: none;
}


/* CATALOG */

.insurance-catalog {
    padding: 78px 0;
}

.insurance-catalog--business {
    background: rgba(8, 42, 74, 0.035);
}

.insurance-category {
    margin-bottom: 24px;
    padding: 30px 32px;

    border: 1px solid var(--border);

    background: var(--white);

    scroll-margin-top: 110px;
}

.insurance-category__header {
    display: flex;
    align-items: flex-start;
    gap: 20px;

    margin-bottom: 26px;
    padding-bottom: 23px;

    border-bottom: 1px solid rgba(8, 42, 74, 0.09);
}

.insurance-category__icon {
    flex: 0 0 56px;

    width: 56px;
    height: 56px;

    display: grid;
    place-items: center;

    border-radius: 50%;

    background:
        radial-gradient(
            circle at 35% 25%,
            var(--navy-light),
            var(--navy-deep) 75%
        );
}

.insurance-category__icon svg {
    width: 27px;
    height: 27px;

    fill: none;

    stroke: var(--gold-light);
    stroke-width: 1.7;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.insurance-category__header h3 {
    margin: 0 0 7px;

    color: var(--navy);

    font-family: Georgia, "Times New Roman", serif;

    font-size: 29px;
    font-weight: 600;
    line-height: 1.15;
}

.insurance-category__header p {
    margin: 0;

    color: var(--text-muted);

    line-height: 1.6;
}


/* PRODUCTS IN ROWS */

.insurance-products {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 12px;
}

.insurance-product {
    min-width: 0;
    min-height: 96px;

    padding: 16px 18px;

    border: 1px solid rgba(8, 42, 74, 0.11);

    background:
        linear-gradient(
            135deg,
            rgba(196, 148, 67, 0.035),
            rgba(255, 255, 255, 0.98)
        );

    transition:
        transform var(--transition),
        border-color var(--transition),
        box-shadow var(--transition);
}

.insurance-product:hover {
    transform: translateY(-1px);

    border-color: rgba(196, 148, 67, 0.50);

    box-shadow:
        0 7px 18px rgba(3, 26, 48, 0.05);
}

.insurance-product h4 {
    margin: 0 0 6px;

    color: var(--navy-deep);

    font-size: 15px;
    line-height: 1.35;
}

.insurance-product p {
    margin: 0;

    color: var(--text-muted);

    font-size: 13px;
    line-height: 1.5;
}


/* PROCESS */

.insurance-process {
    padding: 78px 0;
}

.insurance-process__grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
}

.insurance-process__grid article {
    padding-top: 22px;

    border-top: 2px solid var(--gold);
}

.insurance-process__grid article > span {
    display: block;

    margin-bottom: 13px;

    color: var(--gold);

    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.12em;
}

.insurance-process__grid h3 {
    margin: 0 0 10px;

    color: var(--navy);

    font-family: Georgia, "Times New Roman", serif;

    font-size: 22px;
}

.insurance-process__grid p {
    margin: 0;

    line-height: 1.65;
}

.insurance-note {
    margin-top: 42px;
    padding: 25px 28px;

    border-left: 3px solid var(--gold);

    background: rgba(196, 148, 67, 0.08);
}

.insurance-note h3 {
    margin: 0 0 8px;

    color: var(--navy);

    font-family: Georgia, "Times New Roman", serif;
    font-size: 22px;
}

.insurance-note p {
    margin: 0;

    line-height: 1.7;
}


/* CTA */
.insurance-cta {
    padding: 72px 0;
}

.insurance-cta__inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;

    gap: 48px;
    align-items: center;

    padding: 38px 40px;

    border: 1px solid var(--border);

    background:
        linear-gradient(
            120deg,
            rgba(196, 148, 67, 0.075),
            var(--white) 58%
        );
}

.insurance-cta p {
    margin: 0;

    color: var(--text-muted);

    line-height: 1.7;
}


/* RESPONSIVE */


/* =========================================================
   TABLET — up to 980px
   ========================================================= */

@media (max-width: 980px) {

    .insurance-hero {
        padding: 38px 0 68px;
    }

    .insurance-hero__grid,
    .insurance-cta__inner {
        grid-template-columns: 1fr;
    }

    .insurance-hero__grid {
        gap: 36px;
    }

    .insurance-summary {
        width: 100%;
        max-width: none;
    }

    /*
     * Privat / Gewerbe stay side by side on tablets.
     */

    .insurance-audience__grid {
        gap: 18px;
    }

    .insurance-audience-card {
        padding: 27px 26px;
    }

    .insurance-products {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .insurance-process__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 22px;
    }
}


/* =========================================================
   MOBILE — up to 760px
   ========================================================= */

@media (max-width: 760px) {

    /* HERO */

    .insurance-hero {
        padding: 30px 0 52px;
    }

    .insurance-breadcrumb {
        flex-wrap: wrap;
        gap: 7px;

        margin-bottom: 27px;

        font-size: 13px;
    }

    .insurance-hero__grid {
        gap: 27px;
    }

    .insurance-hero h1 {
        max-width: none;

        margin-bottom: 19px;

        font-size: clamp(38px, 9vw, 50px);
        line-height: 1.07;
        letter-spacing: -0.025em;

        overflow-wrap: normal;
        word-break: normal;
        hyphens: none;
        -webkit-hyphens: none;
    }

    .insurance-hero__lead {
        font-size: 16.5px;
        line-height: 1.65;
    }

    .insurance-hero__lead span {
        display: inline;
    }

    .insurance-hero__lead span::after {
        content: " ";
    }

    .insurance-actions {
        flex-direction: column;
        gap: 10px;

        margin-top: 26px;
    }

    .insurance-button {
        width: 100%;
        min-height: 48px;

        padding: 12px 18px;
    }

    .insurance-summary {
        padding: 25px 22px;
    }

    .insurance-summary > span {
        margin-bottom: 12px;

        font-size: 11px;
        line-height: 1.45;
    }

    .insurance-summary h2 {
        margin-bottom: 14px;

        font-size: 24px;
        line-height: 1.2;
    }


    /* SECTION SPACING */

    .insurance-audience,
    .insurance-catalog {
        padding: 56px 0;
    }

    .insurance-process {
        padding: 56px 0 28px;
    }

    .insurance-cta {
        padding: 28px 0 56px;
    }

    .insurance-cta__inner {
        gap: 24px;

        padding: 28px 24px;
    }

    .insurance-cta__inner > * {
        min-width: 0;
    }

    .insurance-cta h2 {
        font-size: 32px;
        line-height: 1.08;
    }

    .insurance-cta p {
        font-size: 16px;
        line-height: 1.65;
    }


    /* PRIVAT / GEWERBE */

    .insurance-audience__grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .insurance-audience-card {
        min-height: 0;

        padding: 25px 22px;
    }

    .insurance-audience-card h3 {
        margin-bottom: 9px;

        font-size: 30px;
        line-height: 1.1;
    }

    .insurance-audience-card > p {
        font-size: 15px;
        line-height: 1.6;
    }

    .insurance-audience-card__topics {
        display: grid;
        grid-template-columns:
            repeat(auto-fit, minmax(180px, 1fr));
        gap: 7px 16px;

        margin-top: 19px;
    }

    .insurance-audience-card__topics a {
        min-height: 28px;

        font-size: 13px;
    }

    .insurance-audience-card__action {
        margin-top: 22px;
        padding-top: 17px;

        font-size: 14px;
    }


    /* INSURANCE CATEGORY */

    .insurance-category {
        margin-bottom: 16px;

        padding: 22px 20px;

        scroll-margin-top: 90px;
    }

    .insurance-category__header {
        gap: 14px;

        margin-bottom: 20px;
        padding-bottom: 18px;
    }

    .insurance-category__header > div:last-child {
        min-width: 0;
    }

    .insurance-category__icon {
        flex: 0 0 46px;

        width: 46px;
        height: 46px;
    }

    .insurance-category__icon svg {
        width: 22px;
        height: 22px;
    }

    .insurance-category__header h3 {
        margin-bottom: 6px;

        font-size: 23px;
        line-height: 1.17;

        overflow-wrap: anywhere;
        hyphens: auto;
        -webkit-hyphens: auto;
    }

    .insurance-category__header p {
        font-size: 14px;
        line-height: 1.55;
    }


    /* PRODUCTS */

    .insurance-products {
        grid-template-columns: 1fr;
        gap: 9px;
    }

    .insurance-product {
        min-height: 0;

        padding: 15px 16px;
    }

    .insurance-product h4 {
        margin-bottom: 5px;

        font-size: 15px;
        line-height: 1.35;

        overflow-wrap: anywhere;
        hyphens: auto;
        -webkit-hyphens: auto;
    }

    .insurance-product p {
        font-size: 13px;
        line-height: 1.5;
    }


    /* NOTE */

    .insurance-note {
        margin-top: 26px;

        padding: 20px 18px;
    }

    .insurance-note h3 {
        font-size: 20px;
    }

    .insurance-note p {
        font-size: 14px;
        line-height: 1.6;
    }


    /* PROCESS */

    .insurance-process__grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .insurance-process__grid article {
        padding-top: 18px;
    }


    /*
     * Touch screens:
     * avoid desktop hover jumps.
     */

    .insurance-product:hover,
    .insurance-audience-card:hover {
        transform: none;
    }
}


/* =========================================================
   SMALL MOBILE — up to 420px
   ========================================================= */

@media (max-width: 420px) {

    .insurance-hero {
        padding: 26px 0 46px;
    }

    .insurance-breadcrumb {
        margin-bottom: 23px;
    }

    .insurance-hero h1 {
        font-size: 33px;
        line-height: 1.08;
    }

    .insurance-hero__lead {
        font-size: 16px;
    }

    .insurance-summary {
        padding: 22px 18px;
    }

    .insurance-summary h2 {
        font-size: 22px;
    }


    .insurance-audience,
    .insurance-catalog {
        padding: 50px 0;
    }

    .insurance-process {
        padding: 50px 0 24px;
    }

    .insurance-cta {
        padding: 24px 0 48px;
    }

    .insurance-cta__inner {
        gap: 22px;

        padding: 24px 18px;
    }

    .insurance-cta h2 {
        font-size: 29px;
        line-height: 1.08;
    }


    .insurance-audience-card {
        padding: 22px 18px;
    }

    .insurance-audience-card h3 {
        font-size: 27px;
    }

    .insurance-audience-card__topics {
        grid-template-columns: 1fr;
        gap: 4px;
    }

    .insurance-audience-card__topics a {
        min-height: 27px;
    }


    /*
     * Keep icon + heading horizontal.
     * This is more compact than stacking the icon above.
     */

    .insurance-category {
        padding: 19px 17px;
    }

    .insurance-category__header {
        gap: 11px;
    }

    .insurance-category__icon {
        flex: 0 0 42px;

        width: 42px;
        height: 42px;
    }

    .insurance-category__icon svg {
        width: 20px;
        height: 20px;
    }

    .insurance-category__header h3 {
        font-size: 21px;
    }

    .insurance-category__header p {
        font-size: 13.5px;
    }


    .insurance-product {
        padding: 14px 15px;
    }

    .insurance-note {
        padding: 18px 16px;
    }
}