/* Experte PKV – Light, modern, 2026-ready UI (no external dependencies) */
:root{
  --bg: #f7f8fb;
  --surface: rgba(255,255,255,.82);
  --surface-solid:#ffffff;
  --text: #0c1222;
  --muted:#4b5565;
  --line: rgba(15,23,42,.12);
  --brand:#2b6cff;
  --brand-2:#00b3a6;
  --brand-3:#7c3aed;
  --shadow: 0 18px 45px rgba(2, 6, 23, .10);
  --shadow-sm: 0 10px 26px rgba(2, 6, 23, .08);
  --radius: 18px;
  --radius-lg: 26px;
  --max: 1160px;
  --focus: 0 0 0 4px rgba(43,108,255,.20);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Noto Sans", "Liberation Sans", sans-serif;
  background:
    radial-gradient(1200px 620px at 12% 10%, rgba(43,108,255,.16), transparent 52%),
    radial-gradient(900px 520px at 90% 22%, rgba(0,179,166,.14), transparent 50%),
    radial-gradient(900px 520px at 60% 98%, rgba(124,58,237,.10), transparent 55%),
    var(--bg);
  color:var(--text);
  line-height:1.65;
  text-rendering:optimizeLegibility;
  -webkit-font-smoothing:antialiased;
}

a{color:var(--text); text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%; height:auto; display:block}
small{color:var(--muted)}
code{font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace; font-size:.95em}

.container{max-width:var(--max); margin:0 auto; padding:0 18px}
.skip-link{position:absolute; left:-999px; top:auto; width:1px; height:1px; overflow:hidden}
.skip-link:focus{left:18px; top:14px; width:auto; height:auto; padding:10px 12px; background:var(--surface-solid); border:1px solid var(--line); border-radius:12px; box-shadow:var(--shadow-sm); z-index:9999; outline:none}

.topbar{
  position:sticky; top:0; z-index:50;
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  background: rgba(247,248,251,.74);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 0;
  gap:12px;
}
.brand{
  display:flex; align-items:center; gap:12px;
  min-width: 220px;
}
.brandmark{
  width:40px; height:40px; border-radius:14px;
  background: conic-gradient(from 220deg, var(--brand), var(--brand-2), var(--brand-3), var(--brand));
  box-shadow: var(--shadow-sm);
}
.brand strong{font-size:1.05rem; letter-spacing:.2px}
.brand span{display:block; font-size:.82rem; color:var(--muted); margin-top:-2px}

.navlinks{display:flex; align-items:center; gap:14px; flex-wrap:wrap}
.navlinks a{padding:10px 10px; border-radius:12px}
.navlinks a:focus{outline:none; box-shadow:var(--focus)}
.navlinks a.active{background:rgba(43,108,255,.08); border:1px solid rgba(43,108,255,.18)}
.navcta{display:flex; gap:10px; align-items:center}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  gap:10px; padding:12px 14px;
  border-radius:14px; border:1px solid var(--line);
  background:var(--surface);
  box-shadow:var(--shadow-sm);
  font-weight:650; letter-spacing:.1px;
  transition: transform .16s ease, box-shadow .16s ease, background .16s ease;
}
.btn:hover{transform:translateY(-1px); text-decoration:none}
.btn:active{transform:translateY(0px)}
.btn.primary{
  border:1px solid rgba(43,108,255,.30);
  background: linear-gradient(135deg, rgba(43,108,255,.95), rgba(0,179,166,.88));
  color:white;
}
.btn.primary:hover{box-shadow: 0 18px 45px rgba(43,108,255,.20)}
.btn.ghost{background:transparent}
.btn:focus{outline:none; box-shadow:var(--focus)}

.menuBtn{display:none}
@media (max-width: 980px){
  .menuBtn{display:inline-flex}
  .navlinks{display:none}
  .navlinks.open{
    display:flex;
    width:100%;
    padding:10px 0 2px;
  }
  .nav{flex-wrap:wrap}
}

.hero{
  padding:54px 0 10px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.12fr .88fr;
  gap:22px;
  align-items:stretch;
}
@media (max-width: 980px){
  .hero{padding:34px 0 6px}
  .hero-grid{grid-template-columns:1fr}
}
.card{
  border-radius: var(--radius-lg);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  overflow:hidden;
}
.card.pad{padding:22px}
.kicker{
  display:inline-flex; gap:10px; align-items:center;
  padding:8px 12px; border-radius:999px;
  border:1px solid rgba(43,108,255,.22);
  background: rgba(255,255,255,.58);
  color:#0b1b45;
  font-weight:650;
}
.h1{font-size: clamp(2.05rem, 2.7vw, 3.05rem); line-height:1.12; margin:14px 0 12px; letter-spacing:-.5px}
.sub{font-size:1.08rem; color:var(--muted); margin:0 0 18px}
.hero-actions{display:flex; gap:12px; flex-wrap:wrap; margin-top:16px}
.badges{display:flex; gap:10px; flex-wrap:wrap; margin-top:18px}
.badge{
  display:inline-flex; align-items:center; gap:10px;
  padding:10px 12px; border-radius:14px;
  border:1px solid var(--line);
  background: rgba(255,255,255,.55);
  color:var(--muted);
  font-weight:600;
}

.media{
  position:relative;
  height:100%;
  min-height: 320px;
  display:flex; flex-direction:column;
}
.media img{
  width:100%;
  height:100%;
  object-fit:cover;
  aspect-ratio: 4/3;
}
.media .overlay{
  position:absolute; inset:0;
  background: linear-gradient(180deg, rgba(12,18,34,.0), rgba(12,18,34,.46));
}
.media .caption{
  position:absolute; left:18px; right:18px; bottom:18px;
  color:white;
}
.media .caption strong{display:block; font-size:1.05rem}
.media .caption span{display:block; opacity:.92}

.section{padding:30px 0}
.section h2{font-size: clamp(1.45rem, 1.9vw, 2.05rem); margin:0 0 10px; letter-spacing:-.2px}
.section p{margin:10px 0}
.grid3{display:grid; grid-template-columns: repeat(3, 1fr); gap:14px}
.grid2{display:grid; grid-template-columns: repeat(2, 1fr); gap:14px}
@media (max-width: 980px){ .grid3{grid-template-columns:1fr} .grid2{grid-template-columns:1fr} }

.feature{
  border-radius: var(--radius);
  background: rgba(255,255,255,.62);
  border:1px solid var(--line);
  padding:18px;
  box-shadow: var(--shadow-sm);
}
.icon{
  width:36px; height:36px; border-radius:14px;
  display:grid; place-items:center;
  background: rgba(43,108,255,.10);
  border:1px solid rgba(43,108,255,.16);
  margin-bottom:10px;
}
.feature h3{margin:0 0 6px; font-size:1.05rem}
.feature p{margin:0; color:var(--muted)}

.tableWrap{
  overflow:auto;
  border-radius: var(--radius-lg);
  border:1px solid var(--line);
  background: rgba(255,255,255,.66);
  box-shadow: var(--shadow-sm);
}
table{
  width:100%;
  border-collapse:collapse;
  min-width: 860px;
}
th, td{padding:14px 14px; border-bottom:1px solid var(--line); vertical-align:top}
th{
  text-align:left;
  font-size:.92rem;
  color:#0b1b45;
  background: rgba(43,108,255,.06);
  position:sticky; top:0;
}
tr:hover td{background: rgba(0,0,0,.015)}
td strong{display:block}
td span{color:var(--muted); display:block}

@media (max-width: 980px){
  .tableWrap{display:none}
  .tableCards{display:grid; gap:12px}
  .tcard{
    border-radius: var(--radius);
    border:1px solid var(--line);
    background: rgba(255,255,255,.62);
    box-shadow: var(--shadow-sm);
    padding:16px;
  }
  .tcard .row{display:flex; justify-content:space-between; gap:12px; padding:8px 0; border-bottom:1px dashed rgba(15,23,42,.14)}
  .tcard .row:last-child{border-bottom:none}
  .tcard .k{color:var(--muted); font-weight:650}
  .tcard .v{font-weight:650}
}

.note{
  border-left: 4px solid rgba(43,108,255,.55);
  padding:14px 16px;
  background: rgba(255,255,255,.58);
  border-radius: 14px;
  border:1px solid var(--line);
  box-shadow: var(--shadow-sm);
  color:var(--muted);
}

.steps{counter-reset: s}
.step{
  position:relative;
  padding-left:56px;
}
.step:before{
  counter-increment:s;
  content: counter(s);
  position:absolute; left:0; top:0;
  width:38px; height:38px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(43,108,255,.96), rgba(0,179,166,.90));
  color:white; font-weight:800;
  display:grid; place-items:center;
  box-shadow: var(--shadow-sm);
}

.accordion{border-radius: var(--radius-lg); overflow:hidden; border:1px solid var(--line); background: rgba(255,255,255,.62); box-shadow: var(--shadow-sm)}
.accordion details{border-bottom:1px solid var(--line)}
.accordion details:last-child{border-bottom:none}
.accordion summary{
  list-style:none;
  padding:16px 18px;
  cursor:pointer;
  font-weight:750;
  display:flex; align-items:center; justify-content:space-between;
  gap:14px;
}
.accordion summary::-webkit-details-marker{display:none}
.accordion .a{padding:0 18px 16px; color:var(--muted)}
.chev{width:16px; height:16px; opacity:.8; transition: transform .18s ease}
details[open] .chev{transform: rotate(180deg)}

.sticky-cta{
  position:fixed; left:0; right:0; bottom:14px;
  z-index:60;
  display:none;
}
@media (max-width: 980px){
  .sticky-cta{display:block}
}
.sticky-cta .bar{
  max-width:var(--max); margin:0 auto;
  padding:10px; border-radius: 22px;
  border:1px solid rgba(43,108,255,.22);
  background: rgba(255,255,255,.82);
  box-shadow: var(--shadow);
  display:flex; gap:10px; align-items:center; justify-content:space-between;
}
.sticky-cta .bar span{color:var(--muted); font-weight:650}

.footer{
  margin-top:30px;
  padding:28px 0 42px;
  border-top:1px solid var(--line);
  background: rgba(247,248,251,.55);
}
.footer-grid{
  display:grid; grid-template-columns: 1.3fr .7fr;
  gap:18px;
  align-items:start;
}
@media (max-width: 980px){.footer-grid{grid-template-columns:1fr}}
.footer a{color:var(--muted)}
.footer a:hover{color:var(--text)}
.footer .fine{color:var(--muted); font-size:.92rem}
.footer .links{display:flex; flex-wrap:wrap; gap:10px}
.footer .links a{padding:6px 10px; border-radius:12px; border:1px solid rgba(15,23,42,.12); background:rgba(255,255,255,.55)}

.breadcrumbs{font-size:.92rem; color:var(--muted); padding:14px 0}
.breadcrumbs a{color:var(--muted)}
.breadcrumbs a:hover{color:var(--text)}
.hr{height:1px; background:var(--line); margin:18px 0}

.reveal{opacity:0; transform: translateY(10px); transition: opacity .35s ease, transform .35s ease}
.reveal.in{opacity:1; transform:none}

@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  .btn, .chev, .reveal{transition:none}
  .btn:hover{transform:none}
}