/* ═══════════════════════════════════════════════════════════════
   zinsen.digital – Zentrales Stylesheet
   Stabile URL: /styles.css  |  Direkt editierbar, kein Build-Schritt
   ═══════════════════════════════════════════════════════════════ */

/* ── Lokale Fonts (kein CDN) ─────────────────────────────────── */
@font-face {
  font-family: 'Inter';
  src: url('/fonts/inter.woff2') format('woff2');
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Lora';
  src: url('/fonts/lora.woff2') format('woff2');
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}

/* ── Design Tokens ──────────────────────────────────────────── */
:root {
  --zins-navy:   #0F2044;
  --zins-gold:   #F59E0B;
  --zins-green:  #059669;
  --zins-red:    #DC2626;
  --zins-blue:   #2563EB;
  --zins-bg:     #F8FAFC;
  --zins-card:   #FFFFFF;
  --zins-border: #E2E8F0;
  --zins-muted:  #64748B;
  --zins-text:   #1E293B;

  --font-sans:   'Inter', system-ui, sans-serif;
  --font-serif:  'Lora', Georgia, serif;

  --radius: 8px;
  --shadow: 0 1px 3px rgba(0,0,0,.08), 0 4px 12px rgba(0,0,0,.06);
}

/* ── Reset ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  background: var(--zins-bg);
  color: var(--zins-text);
  line-height: 1.65;
  border-top: 4px solid var(--zins-gold);
}

img, svg { display: block; max-width: 100%; }
a { color: var(--zins-blue); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ── Layout ─────────────────────────────────────────────────── */
.container       { max-width: 1200px; margin: 0 auto; padding: 0 1.25rem; }
.container--prose{ max-width: 780px;  margin: 0 auto; padding: 0 1.25rem; }

/* ── Auktionshinweis ─────────────────────────────────────────── */
.demo-bar {
  background: #111;
  color: #fff;
  font-size: 0.82rem;
  padding: 0.55rem 1.25rem;
  text-align: center;
}
.demo-bar__inner { max-width: 1200px; margin: 0 auto; line-height: 1.5; }
.demo-bar a { color: #fff; text-decoration: underline; }
.demo-bar a:hover { opacity: 0.8; }

.demo-data-bar {
  background: #1a1a1a;
  color: #fff;
  font-size: 0.78rem;
  text-align: center;
  padding: 0.4rem 1.25rem;
}
.demo-data-bar strong { color: #fff; }

/* ── Header ─────────────────────────────────────────────────── */
.site-header {
  background: var(--zins-navy);
  border-bottom: 2px solid var(--zins-gold);
  padding: 0.875rem 0;
  position: sticky;
  top: 0;
  z-index: 100;
}
.site-header__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.site-logo {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 700;
  color: #fff;
  text-decoration: none;
}
.site-logo span { color: var(--zins-gold); }
.site-logo:hover { text-decoration: none; }

.site-nav { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.site-nav a { color: #fff; font-size: 0.875rem; font-weight: 500; transition: color .15s; }
.site-nav a:hover { color: var(--zins-gold); text-decoration: none; }

/* ── Hero ────────────────────────────────────────────────────── */
.hero { background: var(--zins-navy); color: #fff; padding: 4rem 0 3rem; }
.hero__label {
  display: inline-block;
  background: var(--zins-gold);
  color: var(--zins-navy);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 0.25rem 0.75rem;
  border-radius: 4px;
  margin-bottom: 1rem;
}
.hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 1.25rem;
  max-width: 700px;
}
.hero h1 em    { font-style: normal; color: var(--zins-gold); }
.hero__sub     { font-size: 1.125rem; color: #fff; max-width: 580px; margin-bottom: 2rem; }

/* ── Zins-Ticker ─────────────────────────────────────────────── */
.zins-ticker {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 1rem 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem 2.5rem;
  margin-top: 2rem;
}
.zins-ticker__item  { display: flex; flex-direction: column; gap: 0.2rem; }
.zins-ticker__label { font-size: 0.7rem; color: #fff; text-transform: uppercase; letter-spacing: .06em; }
.zins-ticker__value { font-size: 1.5rem; font-weight: 700; font-variant-numeric: tabular-nums; }
.zins-ticker__value--up      { color: #34D399; }
.zins-ticker__value--down    { color: #F87171; }
.zins-ticker__value--neutral { color: #fff; }
.zins-ticker__note  { font-size: 0.65rem; color: #fff; }

/* ── Section ─────────────────────────────────────────────────── */
.section      { padding: 3.5rem 0; }
.section--alt { background: var(--zins-card); }
.section__head { margin-bottom: 2rem; }
.section__head h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--zins-navy);
  margin-bottom: 0.5rem;
}

/* ── Cards ───────────────────────────────────────────────────── */
.cards    { display: grid; gap: 1.25rem; }
.cards--2 { grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); }
.cards--3 { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
.cards--4 { grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); }

.card {
  background: var(--zins-card);
  border: 1px solid var(--zins-border);
  border-left: 4px solid var(--zins-gold);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  transition: transform .15s, box-shadow .15s;
  color: inherit;
  text-decoration: none;
  display: block;
}
.card:hover { transform: translateY(-2px); box-shadow: 0 4px 16px rgba(0,0,0,.1); text-decoration: none; }

.card h3 {
  font-family: var(--font-serif);
  font-size: 1.075rem;
  font-weight: 700;
  color: var(--zins-navy);
  margin-bottom: 0.5rem;
}
.card p      { font-size: 0.9rem; color: var(--zins-muted); line-height: 1.55; }
.card__rate  { font-size: 2rem; font-weight: 700; color: var(--zins-green); margin: 0.5rem 0; }
.card__rate--red { color: var(--zins-red); }
.card__meta  { font-size: 0.72rem; color: var(--zins-muted); margin-top: 0.5rem; }

/* Navy-Karten: ALLE Texte rein weiß – steht NACH den allgemeinen Card-Regeln,
   damit die höhere Spezifität greift und nicht überschrieben wird            */
.card--navy  { background: var(--zins-navy); color: #fff; border-left-color: var(--zins-gold); }
.card--navy h3       { color: #fff; }
.card--navy p        { color: #fff; }
.card--navy .card__meta  { color: #fff; }
.card--navy .card__rate  { color: #34D399; }
.card--navy .card__rate--red { color: #F87171; }

/* ── Zins-Tabelle ────────────────────────────────────────────── */
.zins-table-wrap { overflow-x: auto; }
.zins-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
.zins-table th {
  background: var(--zins-navy);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  padding: 0.75rem 1rem;
  text-align: left;
  white-space: nowrap;
}
.zins-table td { padding: 0.75rem 1rem; border-bottom: 1px solid var(--zins-border); }
.zins-table tr:nth-child(even) td { background: #F1F5F9; }
.zins-table tr:hover td            { background: #E0F2FE; }
.zins-table .rate-up   { color: var(--zins-green); font-weight: 700; }
.zins-table .rate-down { color: var(--zins-red);   font-weight: 700; }
.zins-table .rate-neu  { color: var(--zins-navy);  font-weight: 700; }

/* ── Rechner ─────────────────────────────────────────────────── */
.rechner {
  background: var(--zins-card);
  border: 1px solid var(--zins-border);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  max-width: 680px;
  margin: 2rem auto;
}
.rechner__inputs { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); }
.rechner__field  { display: flex; flex-direction: column; gap: 0.3rem; }
.rechner__field label { font-size: 0.8rem; font-weight: 600; color: var(--zins-navy); }
.rechner__field input[type="number"] {
  padding: 0.5rem 0.75rem;
  border: 1px solid var(--zins-border);
  border-radius: 6px;
  font-size: 0.9rem;
  font-family: var(--font-sans);
  color: var(--zins-text);
}

/* ── Selten-gestellte-Fragen Badge ──────────────────────────── */
.notasked-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: #FEF3C7;
  border: 1px solid #F59E0B;
  color: #92400E;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
  margin-bottom: 0.75rem;
}

/* ── Quellen ─────────────────────────────────────────────────── */
.quelle {
  display: inline-block;
  font-size: 0.72rem;
  padding: 0.25rem 0.6rem;
  border-radius: 4px;
  font-weight: 600;
  margin-top: 0.5rem;
}
.quelle--bzb       { background: #DBEAFE; color: #1E40AF; }
.quelle--studie    { background: #EDE9FE; color: #4C1D95; }
.quelle--statistik { background: #D1FAE5; color: #064E3B; }
.quelle--gesetz    { background: #FEF3C7; color: #78350F; }

/* ── Prose ───────────────────────────────────────────────────── */
.prose h2 {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--zins-navy);
  margin: 2rem 0 0.75rem;
}
.prose h3    { font-size: 1.075rem; font-weight: 700; color: var(--zins-navy); margin: 1.5rem 0 0.5rem; }
.prose p     { margin-bottom: 1rem; }
.prose ul, .prose ol { margin: 0 0 1rem 1.5rem; }
.prose li    { margin-bottom: 0.35rem; }
.prose table { width: 100%; border-collapse: collapse; font-size: 0.9rem; margin: 1.5rem 0; }
.prose th    { background: var(--zins-navy); color: #fff; padding: 0.6rem 1rem; text-align: left; }
.prose td    { padding: 0.6rem 1rem; border-bottom: 1px solid var(--zins-border); }
.prose tr:nth-child(even) td { background: #F1F5F9; }
.prose strong { color: var(--zins-navy); }
.prose code   { background: #F1F5F9; padding: 0.1em 0.4em; border-radius: 3px; font-size: 0.875em; }

/* ── Breadcrumb ──────────────────────────────────────────────── */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem;
  align-items: center;
  font-size: 0.8rem;
  color: var(--zins-muted);
  padding: 0.75rem 0;
  margin-bottom: 1.5rem;
}
.breadcrumb a       { color: var(--zins-muted); }
.breadcrumb a:hover { color: var(--zins-blue); text-decoration: underline; }
.breadcrumb__sep    { color: var(--zins-border); }

/* ── Footer ──────────────────────────────────────────────────── */
.site-footer {
  background: var(--zins-navy);
  color: #fff;
  padding: 2.5rem 0 1.5rem;
  margin-top: 4rem;
  font-size: 0.85rem;
  border-top: 2px solid var(--zins-gold);
}
.site-footer__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  justify-content: space-between;
  align-items: center;
}
.site-footer a          { color: #fff; }
.site-footer a:hover    { color: var(--zins-gold); text-decoration: none; }
.site-footer__links     { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.site-footer__consent   { cursor: pointer; }
.site-footer__consent:hover { color: var(--zins-gold); }

/* ── Consent Banner ──────────────────────────────────────────── */
.consent-banner {
  position: fixed;
  bottom: 1.25rem;
  left: 1.25rem;
  right: 1.25rem;
  max-width: 520px;
  background: var(--zins-navy);
  color: #fff;
  border: 1px solid var(--zins-gold);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  box-shadow: 0 8px 32px rgba(0,0,0,.25);
  z-index: 9999;
  font-size: 0.875rem;
}
.consent-banner p { margin-bottom: 1rem; }
.consent-banner__btns { display: flex; gap: 0.75rem; }
.btn {
  padding: 0.55rem 1.25rem;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  font-family: var(--font-sans);
  transition: opacity .15s;
}
.btn:hover      { opacity: 0.88; }
.btn--primary   { background: var(--zins-gold); color: var(--zins-navy); }
.btn--ghost     { background: rgba(255,255,255,0.12); color: #fff; }

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 640px) {
  .site-nav            { display: none; }
  .zins-ticker         { gap: 1rem 1.5rem; }
  .cards--3, .cards--4 { grid-template-columns: 1fr 1fr; }
}