:root { --gold: #8c7040; --ink: #1a1815; --muted: #81786a; --line: #e8e4db; --paper: #f5f3ee; }
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; background: var(--paper); color: var(--ink); font: 16px/1.5 "DM Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif; }
a { color: var(--gold); }
.top { display: flex; justify-content: space-between; align-items: center; padding: 14px 20px; background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 10; }
.brand { font-weight: 900; letter-spacing: 1px; text-decoration: none; color: var(--ink); }
.brand span { color: var(--gold); }
.top nav a { margin-left: 16px; text-decoration: none; color: var(--muted); font-size: 14px; }
main { max-width: 1040px; margin: 0 auto; padding: 24px 16px 60px; }
.hero { padding: 36px 0 20px; }
.hero h1 { font: 700 34px/1.15 "DM Serif Display", Georgia, serif; margin: 0 0 12px; }
.hero p { color: var(--muted); max-width: 720px; }
.cta { display: inline-block; background: var(--ink); color: #fff; text-decoration: none; padding: 12px 18px; border-radius: 8px; font-weight: 700; margin-top: 8px; }
.ghost { display: inline-block; background: transparent; color: #5e574b; border: 1px solid var(--line); padding: 10px 14px; border-radius: 8px; font-size: 14px; cursor: pointer; text-decoration: none; margin-left: 6px; }
h2 { font-size: 20px; margin: 28px 0 12px; }
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 12px; }
.tile { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px; text-align: left; cursor: pointer; font: inherit; color: inherit; min-height: 96px; }
.tile:hover { border-color: var(--gold); }
.tile b { display: block; font-size: 16px; margin-bottom: 4px; }
.tile small { color: var(--muted); font-size: 13px; }
.rechner { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px; margin-top: 16px; }
.rechner-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.rechner-head h2 { margin: 0; }
.hint { font-size: 13px; color: var(--muted); }
#rechner-frame iframe { width: 100%; border: 0; min-height: 900px; }
.beratung, .legal { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px 20px; margin-top: 24px; }
.legal { font-size: 13px; color: var(--muted); }
footer { text-align: center; color: var(--muted); font-size: 12px; padding: 20px; border-top: 1px solid var(--line); }
@media (max-width: 640px) { .top nav { display: none; } .hero h1 { font-size: 28px; } }