/* Finanz2Go — mobile-first static design system */
:root {
  --navy-950:#07111f;
  --navy-900:#0b1728;
  --navy-800:#13233a;
  --blue-600:#2d63f6;
  --blue-500:#4f7cff;
  --cyan-400:#74dcf6;
  --mint-300:#a7f3d0;
  --mint-100:#e7fbf2;
  --warm-50:#f7f8f5;
  --white:#ffffff;
  --ink:#101828;
  --muted:#586477;
  --line:#dfe4ea;
  --surface:#eef2f7;
  --success:#0f8b62;
  --warning:#b45309;
  --radius-sm:12px;
  --radius:20px;
  --radius-lg:32px;
  --shadow:0 20px 55px rgba(7,17,31,.12);
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--warm-50);color:var(--ink);font-family:Arial,"Helvetica Neue",sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button,input,textarea{font:inherit}
button{cursor:pointer}
:focus-visible{outline:3px solid var(--cyan-400);outline-offset:3px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.narrow{width:min(calc(100% - 32px),820px);margin-inline:auto}
.section{padding:72px 0}
.section-dark{background:var(--navy-950);color:var(--white)}
.section-blue{background:var(--blue-600);color:var(--white)}
.section-mint{background:var(--mint-100)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;margin:0 0 18px;color:var(--blue-600);font-size:.75rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.eyebrow::before{content:"";width:24px;height:2px;background:currentColor}
.section-dark .eyebrow,.hero .eyebrow{color:var(--cyan-400)}
h1,h2,h3{margin:0;color:inherit;letter-spacing:-.035em;text-wrap:balance}
h1{font-size:clamp(2.5rem,11vw,5.8rem);line-height:.98;font-weight:800}
h2{font-size:clamp(2rem,8vw,3.8rem);line-height:1.03;font-weight:800}
h3{font-size:1.25rem;line-height:1.2}
p{margin:0 0 18px}
.lead{font-size:clamp(1.05rem,3.8vw,1.35rem);line-height:1.55;color:var(--muted);max-width:680px}
.section-dark .lead,.hero .lead{color:#c7d2e2}
.small{font-size:.875rem;color:var(--muted)}
.kicker{color:var(--blue-600);font-weight:800}
.btn-row{display:flex;flex-direction:column;gap:12px;margin-top:30px}
.btn{min-height:50px;display:inline-flex;justify-content:center;align-items:center;gap:10px;border:1px solid transparent;border-radius:999px;padding:12px 22px;font-weight:800;transition:transform .2s ease,background .2s ease,border-color .2s ease}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--blue-500);color:white;box-shadow:0 12px 30px rgba(79,124,255,.3)}
.btn-primary:hover{background:#6991ff}
.btn-light{background:white;color:var(--navy-950)}
.btn-outline{border-color:#b5c0cf;background:transparent;color:inherit}
.btn-outline:hover{border-color:var(--blue-500)}
.btn-text{padding-inline:0;border-radius:0;min-height:auto;color:var(--blue-600)}
.arrow{font-size:1.15em;transition:transform .2s ease}.btn:hover .arrow{transform:translateX(4px)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(7,17,31,.96);border-bottom:1px solid rgba(255,255,255,.08);backdrop-filter:blur(12px)}
.navbar{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:inline-flex;align-items:center;height:54px}
.brand img{width:104px;height:52px;object-fit:contain}
.nav-toggle{width:48px;height:48px;border:1px solid rgba(255,255,255,.18);border-radius:50%;background:transparent;color:white;display:grid;place-items:center}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{display:block;width:20px;height:2px;background:currentColor;position:relative;transition:.2s}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0}.nav-toggle span::before{top:-6px}.nav-toggle span::after{top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}.nav-toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}.nav-toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}
.main-nav{display:none;position:absolute;left:0;right:0;top:76px;background:var(--navy-950);padding:16px 16px 28px;border-bottom:1px solid rgba(255,255,255,.1)}
.main-nav.open{display:block}
.main-nav a{display:flex;align-items:center;min-height:52px;color:#dbe5f3;font-weight:700;border-bottom:1px solid rgba(255,255,255,.08)}
.main-nav a.active{color:var(--cyan-400)}
.main-nav .nav-cta{margin-top:14px;justify-content:center;background:white;color:var(--navy-950);border:0;border-radius:999px}
.hero{position:relative;overflow:hidden;background:var(--navy-950);color:white;padding:72px 0 76px}
.hero::before{content:"";position:absolute;inset:-20% -60% auto auto;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(79,124,255,.28),transparent 68%);pointer-events:none}
.hero-grid{display:grid;gap:46px;align-items:center;position:relative}
.hero h1 span{color:var(--cyan-400)}
.hero-copy{max-width:720px}
.trust-inline{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:24px;color:#aab8cc;font-size:.85rem;font-weight:700}
.trust-inline span{display:flex;align-items:center;gap:7px}.trust-inline i{width:7px;height:7px;border-radius:50%;background:var(--mint-300)}
.hero-visual{position:relative;min-height:340px;display:grid;place-items:center}
.orbit{position:relative;width:min(82vw,360px);aspect-ratio:1;border:1px solid rgba(255,255,255,.12);border-radius:50%;display:grid;place-items:center;animation:float 6s ease-in-out infinite}
.orbit::before,.orbit::after{content:"";position:absolute;border:1px solid rgba(116,220,246,.17);border-radius:50%;inset:12%}.orbit::after{inset:27%}
.goal-core{width:128px;height:128px;border-radius:50%;background:linear-gradient(145deg,var(--blue-500),#2852d2);display:grid;place-items:center;text-align:center;box-shadow:0 0 70px rgba(79,124,255,.35);z-index:2}
.goal-core strong{font-size:2rem;line-height:1}.goal-core small{font-size:.72rem;color:#dce7ff;text-transform:uppercase;letter-spacing:.1em}
.orbit-chip{position:absolute;padding:9px 12px;border:1px solid rgba(255,255,255,.13);background:rgba(19,35,58,.88);border-radius:999px;font-size:.72rem;font-weight:800;color:#eaf0f8;box-shadow:0 10px 20px rgba(0,0,0,.16)}
.orbit-chip:nth-child(2){top:5%;left:5%;animation:drift 5s ease-in-out infinite}.orbit-chip:nth-child(3){right:0;top:38%;animation:drift 5.8s ease-in-out .8s infinite}.orbit-chip:nth-child(4){bottom:6%;left:5%;animation:drift 6.2s ease-in-out .4s infinite}
.sparkline{position:absolute;inset:auto 4% 18% 4%;height:90px;opacity:.55}.sparkline path{fill:none;stroke:var(--cyan-400);stroke-width:3;stroke-linecap:round;stroke-dasharray:260;stroke-dashoffset:260;animation:draw 2.6s ease forwards .5s}
@keyframes draw{to{stroke-dashoffset:0}}@keyframes float{50%{transform:translateY(-8px)}}@keyframes drift{50%{transform:translateY(-7px)}}
.trustbar{background:white;border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0}
.trust-item{padding:24px 10px;text-align:center;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-item:nth-child(2n){border-right:0}.trust-item strong{display:block;font-size:1.35rem;letter-spacing:-.03em}.trust-item span{font-size:.76rem;color:var(--muted)}
.section-head{display:grid;gap:18px;margin-bottom:36px}.section-head p{margin:0}
.service-stack{display:grid;gap:18px}
.service-card{position:relative;display:grid;gap:24px;background:white;border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;overflow:hidden;transition:transform .25s ease,box-shadow .25s ease}
.service-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.service-card::after{content:"";position:absolute;width:130px;height:130px;border-radius:50%;right:-50px;top:-55px;background:var(--mint-100)}
.service-index{font-size:.74rem;font-weight:800;color:var(--blue-600);letter-spacing:.12em}
.service-card h3{font-size:1.7rem}.service-card p{color:var(--muted);margin:0}.service-links{display:flex;flex-wrap:wrap;gap:8px}.pill-link{font-size:.75rem;border:1px solid var(--line);border-radius:999px;padding:6px 10px;background:var(--warm-50)}
.media-split{display:grid;gap:34px;align-items:center}.media-frame{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);background:var(--navy-800)}.media-frame img{width:100%;min-height:280px;object-fit:cover}.media-note{position:absolute;left:14px;bottom:14px;background:rgba(7,17,31,.86);color:white;font-size:.68rem;padding:7px 10px;border-radius:999px}
.check-list{display:grid;gap:14px;margin:24px 0;padding:0;list-style:none}.check-list li{display:grid;grid-template-columns:24px 1fr;gap:10px}.check-list li::before{content:"✓";width:22px;height:22px;border-radius:50%;display:grid;place-items:center;background:var(--mint-100);color:var(--success);font-weight:900;font-size:.78rem}
.process-grid{display:grid;gap:14px;counter-reset:steps}.process-step{background:var(--navy-800);border:1px solid rgba(255,255,255,.09);border-radius:var(--radius);padding:24px}.process-step::before{counter-increment:steps;content:"0" counter(steps);display:block;margin-bottom:30px;color:var(--cyan-400);font-size:.76rem;font-weight:800;letter-spacing:.14em}.process-step p{color:#bac6d7;margin:10px 0 0}
.widget-shell{margin-top:24px;border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:20px;background:rgba(255,255,255,.035)}
.review-grid{display:grid;gap:16px}.review-card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:24px}.review-stars{color:#f4a424;letter-spacing:.08em;margin-bottom:12px}.review-card blockquote{margin:0 0 20px;font-size:1rem;color:#313c4f}.review-person{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding-top:16px}.review-person strong{display:block}.review-person span{font-size:.78rem;color:var(--muted)}
.team-grid{display:grid;gap:18px}.team-card{display:grid;grid-template-columns:96px 1fr;gap:18px;align-items:center;background:white;border:1px solid var(--line);border-radius:var(--radius);padding:18px}.team-card img{width:96px;height:110px;border-radius:14px;object-fit:cover;object-position:top}.team-card p{margin:6px 0 0;font-size:.85rem;color:var(--muted)}
.faq-list{border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line)}.faq-question{width:100%;background:none;border:0;text-align:left;padding:20px 38px 20px 0;font-weight:800;position:relative}.faq-question::after{content:"+";position:absolute;right:4px;font-size:1.4rem;top:15px;color:var(--blue-600)}.faq-question[aria-expanded="true"]::after{content:"−"}.faq-answer{display:none;padding:0 0 20px;color:var(--muted)}.faq-answer.open{display:block}
.page-hero{background:var(--navy-950);color:white;padding:58px 0 64px}.page-hero .lead{margin-top:22px;color:#c1ccdc}.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;color:#9eacc0;font-size:.78rem;margin-bottom:28px}.breadcrumbs a:hover{color:white}
.product-nav{display:grid;gap:10px;margin-top:30px}.product-nav a{display:flex;justify-content:space-between;align-items:center;background:white;border:1px solid var(--line);border-radius:14px;padding:14px;font-weight:800}.product-nav a:hover{border-color:var(--blue-500)}
.article-layout{display:grid;gap:40px}.article-body h2{font-size:2rem;margin:48px 0 18px}.article-body h3{margin:30px 0 12px}.article-body p,.article-body li{color:#3e4b5e}.article-body ul{padding-left:22px}.article-aside{align-self:start;background:var(--navy-950);color:white;padding:24px;border-radius:var(--radius);position:relative}.article-aside p{color:#bdc9d9}.fact-grid{display:grid;gap:14px;margin:26px 0}.fact-card{border:1px solid var(--line);border-radius:var(--radius-sm);padding:18px;background:white}.fact-card strong{display:block;margin-bottom:6px}.fact-card p{margin:0;font-size:.9rem}
.notice{padding:16px 18px;border-radius:var(--radius-sm);background:#fff8e6;border:1px solid #f5d486;color:#6d4a08;font-size:.9rem}.source-list{font-size:.82rem;background:var(--surface);border-radius:var(--radius-sm);padding:18px}.source-list li{margin-bottom:8px;word-break:break-word}
.contact-grid{display:grid;gap:18px}.contact-card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:24px}.contact-card a{color:var(--blue-600);font-weight:800}.contact-actions{display:grid;gap:12px;margin-top:20px}.legal-text h2{font-size:1.5rem;margin:32px 0 10px}.legal-text p,.legal-text li{color:#3f4b5e}.legal-banner{background:#fff8e6;border-bottom:1px solid #f2d082;color:#6a4700;font-size:.78rem;padding:8px 16px;text-align:center}
.author-panel{display:grid;gap:24px;align-items:center;background:white;border:1px solid var(--line);border-radius:var(--radius-lg);padding:24px;margin-bottom:36px}.author-panel img{width:112px;height:132px;object-fit:cover;object-position:top;border-radius:16px}.author-panel p{color:var(--muted);margin:8px 0 0}.author-mini{display:flex;align-items:center;gap:12px;margin:20px 0}.author-mini img{width:52px;height:52px;object-fit:cover;object-position:top;border-radius:50%;border:3px solid white;box-shadow:0 8px 20px rgba(7,17,31,.15)}.author-mini strong{display:block}.author-mini span{font-size:.78rem;color:var(--muted)}.research-grid{display:grid;gap:18px}.research-card{display:grid;gap:20px;background:white;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:transform .25s ease,box-shadow .25s ease}.research-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.research-meta{display:flex;flex-wrap:wrap;gap:8px}.research-meta span{font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;padding:6px 9px;border-radius:999px;background:var(--surface);color:#46546a}.research-card h2{font-size:1.55rem}.research-card p{color:var(--muted);margin:0}.download-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.download-icon{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;background:var(--mint-100);color:var(--success);font-weight:900}.research-visual{min-height:380px;display:grid;place-items:center;position:relative}.book-scene{width:230px;height:300px;perspective:1000px;position:relative}.book-3d{position:absolute;inset:10px 25px 10px 15px;transform-style:preserve-3d;transform:rotateY(-24deg) rotateX(5deg);transition:transform .45s ease;filter:drop-shadow(24px 24px 25px rgba(7,17,31,.24))}.book-scene:hover .book-3d{transform:rotateY(-14deg) rotateX(2deg) translateY(-7px)}.book-cover{position:absolute;inset:0;background:linear-gradient(145deg,#173d9b,#071a49 68%);color:white;border-radius:4px 12px 12px 4px;padding:26px 20px;display:flex;flex-direction:column;justify-content:space-between;border-left:5px solid #74dcf6;backface-visibility:hidden}.book-cover::after{content:"";position:absolute;right:-18px;top:8px;bottom:8px;width:18px;background:linear-gradient(90deg,#d8dde8,#fff);transform-origin:left;transform:rotateY(90deg);border-radius:0 4px 4px 0}.book-cover small{text-transform:uppercase;letter-spacing:.14em;color:#9ae6ff;font-weight:800}.book-cover strong{font-size:1.45rem;line-height:1.08;letter-spacing:-.03em}.book-cover span{font-size:.78rem;color:#d7e3ff}.book-small{width:120px;height:158px;perspective:700px;margin:4px auto 8px}.book-small .book-3d{inset:4px 14px 4px 8px;filter:drop-shadow(12px 12px 14px rgba(7,17,31,.18))}.book-small .book-cover{padding:14px 10px;border-left-width:3px}.book-small .book-cover strong{font-size:.85rem}.book-small .book-cover small,.book-small .book-cover span{font-size:.54rem}.book-teal .book-cover{background:linear-gradient(145deg,#087d78,#063a42 70%);border-left-color:#a7f3d0}.book-purple .book-cover{background:linear-gradient(145deg,#6547bc,#24164f 70%);border-left-color:#d5c8ff}.book-slate .book-cover{background:linear-gradient(145deg,#42566d,#101c2c 70%);border-left-color:#a5bad0}.product-hero-image{width:min(100%,560px);margin:0 auto 34px;border-radius:var(--radius-lg);overflow:hidden;background:var(--navy-800);box-shadow:var(--shadow)}.product-hero-image img{width:100%;aspect-ratio:3/2;object-fit:cover}.product-hero-image figcaption{padding:9px 14px;background:var(--navy-950);color:#bfcadd;font-size:.7rem}.seo-content{margin-top:52px}.seo-content h2{scroll-margin-top:100px}.seo-content a{color:var(--blue-600);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}.seo-content blockquote{margin:24px 0;padding:18px 20px;border-left:4px solid var(--blue-500);background:var(--surface)}.seo-content table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.9rem}.seo-content th,.seo-content td{text-align:left;vertical-align:top;padding:12px;border:1px solid var(--line)}.seo-content th{background:var(--surface)}.certificate-gallery{display:grid;gap:20px;margin:28px 0}.certificate-gallery img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow);background:white}.ihk-badges{display:grid;gap:14px;margin:28px 0}.ihk-badge{padding:20px;border:1px solid var(--line);border-radius:var(--radius);background:white}.ihk-badge strong{display:block;font-size:1.25rem;margin-bottom:6px}
.cta-band{position:relative;overflow:hidden;background:var(--blue-600);color:white;border-radius:var(--radius-lg);padding:34px 26px}.cta-band::after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;right:-120px;top:-120px;border:40px solid rgba(255,255,255,.08)}.cta-band h2{font-size:2.15rem;max-width:700px}.cta-band p{color:#dce6ff;max-width:640px;margin-top:14px}
.site-footer{background:var(--navy-950);color:#c3cede;padding:56px 0 24px}.footer-grid{display:grid;gap:34px}.footer-brand img{width:125px;height:auto}.footer-brand p{font-size:.9rem;max-width:360px;margin-top:18px}.footer-nav{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.footer-nav h3{color:white;font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:12px}.footer-nav a{display:block;font-size:.86rem;margin:9px 0}.footer-nav a:hover{color:var(--cyan-400)}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:38px;padding-top:22px;font-size:.74rem;color:#91a0b5;display:grid;gap:8px}
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}.reveal.visible{opacity:1;transform:none}
@media(min-width:640px){.btn-row{flex-direction:row}.trust-grid{grid-template-columns:repeat(4,1fr)}.trust-item{border-bottom:0}.trust-item:nth-child(2n){border-right:1px solid var(--line)}.trust-item:last-child{border-right:0}.review-grid,.team-grid,.fact-grid{grid-template-columns:repeat(2,1fr)}.contact-actions{grid-template-columns:1fr 1fr}.product-nav{grid-template-columns:1fr 1fr}.author-panel{grid-template-columns:112px 1fr}.certificate-gallery,.ihk-badges{grid-template-columns:repeat(2,1fr)}}
@media(min-width:860px){.section{padding:104px 0}.hero{padding:94px 0 100px}.hero-grid{grid-template-columns:1.15fr .85fr}.nav-toggle{display:none}.main-nav{display:flex;position:static;align-items:center;gap:22px;background:none;padding:0;border:0}.main-nav a{min-height:auto;border:0;font-size:.88rem}.main-nav .nav-cta{margin:0;padding:10px 16px}.brand img{width:118px}.section-head{grid-template-columns:1fr .8fr;align-items:end}.service-stack{grid-template-columns:repeat(3,1fr)}.service-card{padding:30px;min-height:390px;align-content:space-between}.media-split{grid-template-columns:1fr 1fr}.process-grid{grid-template-columns:repeat(4,1fr)}.review-grid{grid-template-columns:repeat(3,1fr)}.team-grid{grid-template-columns:repeat(2,1fr)}.research-grid{grid-template-columns:repeat(2,1fr)}.page-hero{padding:80px 0}.article-layout{grid-template-columns:minmax(0,1fr) 320px}.article-aside{position:sticky;top:105px}.footer-grid{grid-template-columns:.7fr 2.3fr}.footer-nav{grid-template-columns:repeat(5,1fr)}.footer-bottom{grid-template-columns:1fr auto}.cta-band{padding:56px}}
@media(min-width:1100px){.review-grid{grid-template-columns:repeat(3,1fr)}.hero-visual{min-height:460px}.orbit{width:410px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}.reveal{opacity:1;transform:none}}