/* ==========================================================================
   Immobilienfinanzierung Österreich – Stylesheet
   Modern, schnell, SEO-optimiert
   ========================================================================== */

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

:root {
    --color-primary: #1a5276;
    --color-primary-light: #2980b9;
    --color-primary-dark: #0e2f44;
    --color-accent: #c0392b;
    --color-accent-light: #e74c3c;
    --color-success: #27ae60;
    --color-warning: #f39c12;
    --color-bg: #ffffff;
    --color-bg-alt: #f8f9fa;
    --color-bg-dark: #1a1a2e;
    --color-text: #2c3e50;
    --color-text-light: #6c757d;
    --color-border: #dee2e6;
    --font-main: 'Segoe UI', system-ui, -apple-system, sans-serif;
    --font-heading: 'Segoe UI', system-ui, -apple-system, sans-serif;
    --max-width: 1200px;
    --content-width: 800px;
    --radius: 8px;
    --shadow: 0 2px 8px rgba(0,0,0,0.08);
    --shadow-lg: 0 8px 32px rgba(0,0,0,0.12);
    --transition: 0.2s ease;
}

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

body {
    font-family: var(--font-main);
    color: var(--color-text);
    background: var(--color-bg);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-primary-light); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-primary-dark); }

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 1.5rem; }

/* ---------- Skip Link ---------- */
.skip-link {
    position: absolute; top: -100%; left: 1rem;
    background: var(--color-primary); color: #fff;
    padding: 0.5rem 1rem; border-radius: var(--radius);
    z-index: 1000;
}
.skip-link:focus { top: 1rem; }

/* ---------- Header ---------- */
.site-header {
    background: var(--color-bg);
    border-bottom: 1px solid var(--color-border);
    position: sticky; top: 0; z-index: 100;
    box-shadow: 0 1px 4px rgba(0,0,0,0.04);
}

.site-header__inner {
    display: flex; align-items: center; justify-content: space-between;
    padding: 0.75rem 0; gap: 2rem;
}

.site-logo {
    display: flex; align-items: center; gap: 0.75rem; line-height: 1.2;
    color: var(--color-primary-dark); font-size: 1.1rem;
}
.site-logo__flag {
    display: block; width: 2.2rem; height: 1.6rem; flex-shrink: 0;
    border-radius: 3px; overflow: hidden;
    background: linear-gradient(to bottom, #ed2939 0%, #ed2939 33.33%, #fff 33.33%, #fff 66.66%, #ed2939 66.66%, #ed2939 100%);
    box-shadow: 0 1px 3px rgba(0,0,0,0.15);
}
.site-logo__text { display: flex; flex-direction: column; }
.site-logo__text span { font-size: 0.8rem; color: var(--color-accent); font-weight: 600; letter-spacing: 0.05em; }
.site-logo:hover { color: var(--color-primary); }

/* Navigation */
.main-nav ul { list-style: none; display: flex; gap: 0.25rem; }
.main-nav > ul > li > a {
    display: block; padding: 0.5rem 0.75rem;
    font-size: 0.9rem; font-weight: 500;
    color: var(--color-text); border-radius: var(--radius);
    transition: background var(--transition), color var(--transition);
}
.main-nav > ul > li > a:hover,
.main-nav > ul > li > a.active {
    background: var(--color-bg-alt); color: var(--color-primary);
}

/* Dropdown */
.has-dropdown { position: relative; }
ul.dropdown {
    display: none; position: absolute; top: 100%; left: 0;
    background: var(--color-bg); border: 1px solid var(--color-border);
    border-radius: var(--radius); box-shadow: var(--shadow-lg);
    min-width: 280px; flex-direction: column; padding: 0.5rem 0;
    z-index: 200;
}
.has-dropdown.open > ul.dropdown { display: flex; }
.dropdown li a {
    display: block; padding: 0.5rem 1rem;
    font-size: 0.85rem; color: var(--color-text);
}
.dropdown li a:hover { background: var(--color-bg-alt); color: var(--color-primary); }

/* Mobile Nav Toggle */
.nav-toggle {
    display: none; background: none; border: none; cursor: pointer;
    width: 2rem; height: 1.5rem; position: relative;
}
.nav-toggle span {
    display: block; width: 100%; height: 2px;
    background: var(--color-text); position: absolute; left: 0;
    transition: transform var(--transition), opacity var(--transition);
}
.nav-toggle span:nth-child(1) { top: 0; }
.nav-toggle span:nth-child(2) { top: 50%; transform: translateY(-50%); }
.nav-toggle span:nth-child(3) { bottom: 0; }

/* ---------- Hero ---------- */
.hero {
    background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
    color: #fff; padding: 4rem 0;
}
.hero__inner { max-width: var(--content-width); }
.hero h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); font-weight: 700; line-height: 1.25; margin-bottom: 1rem; }
.hero p { font-size: 1.15rem; opacity: 0.9; line-height: 1.6; margin-bottom: 1.5rem; }
.hero__cta {
    display: inline-block; margin-top: 1.5rem;
    background: #fff; color: var(--color-primary-dark);
    padding: 0.9rem 2rem; border-radius: var(--radius);
    font-weight: 700; font-size: 1.1rem;
    transition: transform var(--transition), box-shadow var(--transition);
}
.hero__cta:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,0,0,0.25); color: var(--color-primary-dark); }
.hero__cta-arrow { color: var(--color-accent); margin-right: 0.3rem; }

/* ---------- Section ---------- */
.section { padding: 3rem 0; }
.section--alt { background: var(--color-bg-alt); }
.section__header { text-align: center; margin-bottom: 2.5rem; }
.section__header h2 { font-size: 1.75rem; color: var(--color-primary-dark); margin-bottom: 0.5rem; }
.section__header p { color: var(--color-text-light); font-size: 1.05rem; }

/* ---------- Cards Grid ---------- */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 1.5rem;
}

.card {
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: box-shadow var(--transition), transform var(--transition);
    display: flex; flex-direction: column;
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }

.card__category {
    display: inline-block; font-size: 0.7rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.1em;
    padding: 0.2rem 0.6rem; border-radius: 4px;
    margin-bottom: 0.75rem; width: fit-content;
}
.card__category--recht { background: #eaf2f8; color: var(--color-primary); }
.card__category--finanzierung { background: #e8f8f5; color: #1a8a6a; }
.card__category--steuern { background: #fef5e7; color: #b7791f; }
.card__category--bonitaet { background: #fdecea; color: var(--color-accent); }

.card__title { font-size: 1.05rem; line-height: 1.4; margin-bottom: 0.75rem; }
.card__title a { color: var(--color-text); }
.card__title a:hover { color: var(--color-primary); }

.card__excerpt { font-size: 0.9rem; color: var(--color-text-light); flex: 1; margin-bottom: 1rem; }

.card__link {
    font-size: 0.85rem; font-weight: 600;
    color: var(--color-primary-light);
    align-self: flex-start;
}

/* ---------- Article Page ---------- */
.article-header {
    background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
    color: #fff; padding: 3rem 0 2rem;
}
.article-header h1 { font-size: clamp(1.5rem, 3.5vw, 2.25rem); line-height: 1.3; max-width: var(--content-width); }
.article-header .lead { font-size: 1.1rem; opacity: 0.9; margin-top: 1rem; max-width: var(--content-width); }

.article-body {
    max-width: var(--content-width);
    margin: 0 auto; padding: 2.5rem 1.5rem;
}

.article-body h2 {
    font-size: 1.5rem; color: var(--color-primary-dark);
    margin: 2.5rem 0 1rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid var(--color-border);
}
.article-body h3 { font-size: 1.15rem; color: var(--color-text); margin: 1.5rem 0 0.75rem; }
.article-body p { margin-bottom: 1rem; }
.article-body ul, .article-body ol { margin: 0 0 1rem 1.5rem; }
.article-body li { margin-bottom: 0.4rem; }

/* Key Facts Box */
.key-facts {
    background: var(--color-bg-alt);
    border-left: 4px solid var(--color-primary);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 1.5rem; margin: 1.5rem 0;
}
.key-facts h3 { margin-top: 0; font-size: 1rem; color: var(--color-primary); }
.key-facts ul { margin: 0.75rem 0 0 1.25rem; }
.key-facts li { font-size: 0.9rem; margin-bottom: 0.3rem; }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; margin: 1.5rem 0; }
table {
    width: 100%; border-collapse: collapse;
    font-size: 0.9rem;
}
thead { background: var(--color-primary-dark); color: #fff; }
th { padding: 0.75rem 1rem; text-align: left; font-weight: 600; }
td { padding: 0.75rem 1rem; border-bottom: 1px solid var(--color-border); }
tbody tr:hover { background: var(--color-bg-alt); }

/* ---------- Info Boxes ---------- */
.infobox {
    display: flex; gap: 0.75rem; padding: 1.25rem;
    border-radius: var(--radius); margin: 1.5rem 0;
    font-size: 0.9rem;
}
.infobox--info { background: #eaf2f8; border: 1px solid #aed6f1; }
.infobox--warning { background: #fef9e7; border: 1px solid #f9e79f; }
.infobox--tip { background: #e8f8f5; border: 1px solid #a3e4d7; }
.infobox--important { background: #fdecea; border: 1px solid #f5b7b1; }
.infobox__icon { font-size: 1.25rem; flex-shrink: 0; }

/* ---------- FAQ Section ---------- */
.faq { margin: 2rem 0; }
.faq__item {
    border: 1px solid var(--color-border);
    border-radius: var(--radius); margin-bottom: 0.5rem;
    overflow: hidden;
}
.faq__question {
    width: 100%; padding: 1rem 1.25rem;
    background: var(--color-bg-alt);
    border: none; cursor: pointer;
    font-size: 0.95rem; font-weight: 600;
    color: var(--color-text);
    text-align: left;
    display: flex; justify-content: space-between; align-items: center;
}
.faq__question::after { content: '+'; font-size: 1.25rem; color: var(--color-primary); }
.faq__question[aria-expanded="true"]::after { content: '−'; }
.faq__answer { padding: 0 1.25rem; max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease; }
.faq__answer.open { max-height: 500px; padding: 1rem 1.25rem; }

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
    padding: 0.75rem 0; font-size: 0.8rem;
}
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 0.25rem; list-style: none; }
.breadcrumbs li::after { content: ' / '; color: rgba(255,255,255,0.4); margin-left: 0.25rem; }
.breadcrumbs li:last-child::after { content: ''; }
.breadcrumbs a { color: rgba(255,255,255,0.7); }
.breadcrumbs a:hover { color: #fff; }
.breadcrumbs li:last-child span { color: rgba(255,255,255,0.5); }

/* ---------- Optifin CTA ---------- */
.optifin-cta {
    margin: 2.5rem 0; padding: 1.75rem 2rem;
    background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
    border-radius: var(--radius); color: #fff;
}
.optifin-cta__inner { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.optifin-cta__headline { font-size: 1.2rem; display: block; margin-bottom: 0.4rem; }
.optifin-cta__text p { font-size: 0.9rem; opacity: 0.9; margin: 0; }
.optifin-cta__button {
    display: inline-block; white-space: nowrap;
    background: #fff; color: var(--color-primary-dark);
    padding: 0.75rem 1.5rem; border-radius: var(--radius);
    font-weight: 600; font-size: 0.95rem;
    transition: transform var(--transition), box-shadow var(--transition);
}
.optifin-cta__button:hover { transform: translateY(-2px); box-shadow: 0 4px 12px rgba(0,0,0,0.2); }

.optifin-calc { margin: 3rem 0; }
.optifin-calc h2 { font-size: 1.5rem; margin-bottom: 0.5rem; }
.optifin-calc > p { color: var(--color-text-light); margin-bottom: 1.5rem; }

/* ---------- Related Articles ---------- */
.related { margin: 3rem 0; padding-top: 2rem; border-top: 2px solid var(--color-border); }
.related h2 { font-size: 1.25rem; margin-bottom: 1rem; }
.related__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 1rem; }
.related__item {
    display: flex; flex-direction: column;
    padding: 1rem; border: 1px solid var(--color-border);
    border-radius: var(--radius); transition: all var(--transition);
}
.related__item:hover { border-color: var(--color-primary-light); box-shadow: var(--shadow); transform: translateY(-1px); }
.related__category { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--color-primary); font-weight: 700; }
.related__title { font-size: 0.9rem; color: var(--color-text); margin-top: 0.25rem; font-weight: 500; }

/* ---------- CTA Box ---------- */
.cta-box {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: #fff; border-radius: var(--radius);
    padding: 2rem; margin: 2rem 0; text-align: center;
}
.cta-box h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }
.cta-box p { opacity: 0.9; margin-bottom: 1rem; }
.cta-box a {
    display: inline-block; background: #fff; color: var(--color-primary-dark);
    padding: 0.6rem 1.5rem; border-radius: var(--radius);
    font-weight: 600; transition: all var(--transition);
}
.cta-box a:hover { background: var(--color-bg-alt); transform: translateY(-1px); }

/* ---------- Nebenkosten Rechner ---------- */
.calculator {
    background: var(--color-bg-alt); border: 1px solid var(--color-border);
    border-radius: var(--radius); padding: 1.5rem; margin: 1.5rem 0;
}
.calculator h3 { margin-bottom: 1rem; font-size: 1.1rem; }
.calculator label { display: block; font-weight: 600; font-size: 0.85rem; margin-bottom: 0.25rem; }
.calculator input[type="number"] {
    width: 100%; padding: 0.6rem; border: 1px solid var(--color-border);
    border-radius: var(--radius); font-size: 1rem; margin-bottom: 1rem;
}
.calculator__result { background: var(--color-primary-dark); color: #fff; padding: 1rem; border-radius: var(--radius); }
.calculator__result dt { font-size: 0.8rem; opacity: 0.75; }
.calculator__result dd { font-size: 1.1rem; font-weight: 700; margin-bottom: 0.5rem; }

/* ---------- Footer ---------- */
.site-footer {
    background: var(--color-bg-dark); color: rgba(255,255,255,0.7);
    padding: 3rem 0 1.5rem;
}
.footer__grid {
    display: grid;
    grid-template-columns: 1.5fr repeat(3, 1fr);
    gap: 2rem; margin-bottom: 2rem;
}
.footer__logo { display: block; color: #fff; font-size: 1.1rem; margin-bottom: 0.75rem; }
.footer__about p { font-size: 0.85rem; line-height: 1.6; }
.footer__links h4 { color: #fff; font-size: 0.85rem; margin-bottom: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em; }
.footer__links ul { list-style: none; }
.footer__links li { margin-bottom: 0.35rem; }
.footer__links a { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.footer__links a:hover { color: #fff; }

.footer__bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 1.5rem; text-align: center; font-size: 0.8rem;
}
.footer__bottom a { color: rgba(255,255,255,0.5); }
.footer__bottom a:hover { color: #fff; }

/* ---------- Responsive ---------- */
@media (max-width: 768px) {
    .nav-toggle { display: block; }

    .main-nav {
        display: none; position: absolute; top: 100%; left: 0; right: 0;
        background: var(--color-bg); border-top: 1px solid var(--color-border);
        box-shadow: var(--shadow-lg); padding: 1rem;
    }
    .main-nav.open { display: block; }
    .main-nav > ul { flex-direction: column; }
    .main-nav > ul > li > a { padding: 0.75rem; }

    ul.dropdown {
        position: static; box-shadow: none; border: none;
        display: none; padding-left: 1rem;
    }
    .has-dropdown.open > ul.dropdown { display: flex; }

    .hero { padding: 2.5rem 0; }


    .footer__grid { grid-template-columns: 1fr; gap: 1.5rem; }

    .cards-grid { grid-template-columns: 1fr; }

    .related__grid { grid-template-columns: 1fr; }

    .optifin-cta { padding: 1.25rem 1.25rem; }
    .optifin-cta__inner { flex-direction: column; text-align: center; gap: 1.25rem; }
    .optifin-cta__button { width: 100%; text-align: center; }
}

@media (max-width: 480px) {
    html { font-size: 15px; }
    .article-body { padding: 1.5rem 1rem; }
}

/* ---------- Print ---------- */
@media print {
    .site-header, .site-footer, .nav-toggle, .related, .cta-box { display: none; }
    body { font-size: 12pt; color: #000; }
    a { color: #000; text-decoration: underline; }
}