:root{--bg:#080d16;--bg2:#0f1724;--panel:#141c29;--panel2:#1b2431;--line:#35404d;--gold:#4081d6;--gold2:#81b9ff;--cream:#e2edfc;--text:#f4f0ea;--muted:#a9adb6;--green:#a5c5b2;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font:15px/1.55 Inter,Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}.wrap{width:min(var(--max),calc(100% - 56px));margin:auto}
header{height:73px;position:sticky;top:0;z-index:50;background:#0a0e17ed;backdrop-filter:blur(15px);border-bottom:1px solid #2e3743}header .wrap{display:flex;align-items:center;justify-content:space-between;height:100%;gap:20px}.brand{display:flex;align-items:center;gap:11px;font:700 20px Georgia,serif;letter-spacing:.02em}.mark{display:flex;align-items:end;gap:3px;height:28px}.mark b{display:block;width:5px;background:linear-gradient(#9bc9ff,#2867b8);transform:skewY(-22deg)}.mark b:nth-child(1){height:9px}.mark b:nth-child(2){height:15px}.mark b:nth-child(3){height:22px}.mark b:nth-child(4){height:28px}nav{display:flex;gap:30px;align-items:center}nav a{font-size:12px;color:#d8d8dc;transition:color .2s}nav a:hover{color:var(--gold2)}.navcta{border:1px solid var(--gold);padding:10px 17px;border-radius:7px;color:var(--gold2);font-size:12px;font-weight:700}.menu{display:none;background:none;border:0;color:var(--gold);font-size:25px}
.hero{position:relative;overflow:hidden;min-height:445px;border-bottom:1px solid #343e4d;background:#081321}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,15,26,.85) 0%,rgba(8,15,26,.57) 25%,rgba(8,15,26,.18) 53%,rgba(8,15,26,.08) 78%,rgba(8,15,26,.20) 100%);z-index:1}.city{display:none}.city svg{width:100%;height:100%;position:absolute;bottom:0}.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .78fr;gap:8%;align-items:center;padding-top:48px;padding-bottom:56px}
.kicker{font-size:11px;letter-spacing:.24em;color:var(--gold2);font-weight:700}.hero h1{font:normal clamp(37px,4.4vw,64px)/1.05 Georgia,'Times New Roman',serif;letter-spacing:-.035em;max-width:690px;margin:17px 0 20px}.gold{color:var(--gold2)}.hero p{font-size:14px;max-width:470px;color:#d2d0d4}.proof{display:flex;flex-wrap:wrap;gap:20px;margin-top:30px}.proof span{display:flex;align-items:center;gap:9px;font-size:12px;color:#e1dbd4}.circle{color:var(--gold);font-size:24px}
.lead{background:linear-gradient(145deg,#24212aef,#171c27f2);padding:26px 28px;border-radius:12px;border:1px solid #477db9;box-shadow:0 24px 80px #0008}.lead h2{font:normal 27px Georgia,serif;margin:0 0 5px}.lead p{margin:0 0 15px;font-size:12px}.lead label{display:block;color:#aec9ed;font-size:10px;margin-bottom:5px}.lead input,.lead select{width:100%;border:1px solid #404652;background:#171d27;color:#e5e2e1;padding:11px 12px;border-radius:6px;outline:none;min-width:0}.lead input:focus,.lead select:focus{border-color:var(--gold)}.lead .fields{display:grid;gap:10px}.lead .duo{display:grid;grid-template-columns:1fr 1fr;gap:10px}.submit,.btn{background:linear-gradient(95deg,#3474c4,#77b3ff,#3e82d8);color:#15131a;border:0;border-radius:6px;padding:12px 18px;font-weight:800;font-size:12px;transition:transform .2s,filter .2s}.submit{width:100%;margin-top:16px}.btn:hover,.submit:hover{filter:brightness(1.15);transform:translateY(-2px)}.notice{margin:9px 0 0!important;color:#b5c5dc;font-size:10px!important}.confirmation{font-size:12px;color:var(--gold2);min-height:12px;margin-top:8px}
section{padding:51px 0}.smallcap{font-size:10px;font-weight:800;letter-spacing:.22em;color:var(--gold);margin:0 0 8px}h2{font:normal clamp(27px,3vw,38px)/1.13 Georgia,serif;letter-spacing:-.025em;margin:0 0 20px}.sub{color:var(--muted);font-size:13px;max-width:520px}.sectionhead{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:20px}.sectionhead h2{margin-bottom:0}.link{color:var(--gold2);font-size:12px;border-bottom:1px solid #629cde;padding-bottom:3px;white-space:nowrap}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.card{background:linear-gradient(150deg,#22242e,#151c26);padding:22px 20px;border:1px solid #3a3c47;border-radius:10px;transition:border-color .2s}.card:hover{border-color:#5a98de}.card:first-child{border-color:var(--gold)}.tag{display:inline-block;font-size:10px;font-weight:bold;color:#171619;background:var(--gold2);padding:3px 10px;border-radius:3px;margin-bottom:9px}.card h3{font:normal 21px Georgia,serif;margin:0}.card p{color:var(--muted);font-size:12px;margin:8px 0 16px}.rate{font:normal 34px Georgia,serif;color:var(--gold2);margin:4px 0 10px}.rate small{font:12px Arial;color:#d4e5fa}.check{padding:0;margin:0 0 18px;list-style:none}.check li{font-size:11px;margin:7px 0;color:#d8e3f3}.check li:before{content:'✓';color:var(--gold2);margin-right:8px}.card .btn{width:100%}
.trust{background:linear-gradient(110deg,#171b25,#21232c);border-top:1px solid #272f3b;border-bottom:1px solid #272f3b;padding:22px 0}.trust .wrap{display:grid;grid-template-columns:1.5fr repeat(4,1fr);align-items:center;gap:16px}.truststrong{font:normal 23px/1.1 Georgia,serif;color:var(--cream)}.trustitem{font-size:12px;color:#d6e3f5;border-left:1px solid #345071;padding-left:15px}.trustitem i{font-size:22px;color:var(--gold2);font-style:normal;margin-right:6px}.overview{display:grid;grid-template-columns:.36fr .64fr;gap:42px}.overview h2{margin-bottom:10px}.rates{background:#171b25;border:1px solid #343d49;border-radius:8px;overflow:hidden}.rates table{border-collapse:collapse;width:100%;font-size:12px}.rates th{text-align:left;font-size:11px;background:#282a31;color:#dce9f9;font-weight:500}.rates th,.rates td{padding:13px 18px;border-bottom:1px solid #323740}.rates tr:last-child td{border-bottom:0}.rates td:nth-child(2){color:var(--gold2);font-weight:800}.rates td{color:#d1ced0}
.articles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.article{background:#191d28;border:1px solid #353843;border-radius:7px;overflow:hidden;display:flex;min-height:136px}.artpic{width:38%;flex-shrink:0;background:radial-gradient(circle at 50% 80%,#4481c3,#253751 50%,#191d28 90%);position:relative;overflow:hidden}.artpic:after{content:"";position:absolute;bottom:-9px;left:25%;width:36px;height:70px;border-radius:50% 50% 0 0;background:linear-gradient(90deg,#366ea8,#83baff,#2b5f9c);box-shadow:30px 12px 0 -3px #4684c6,-28px 20px 0 -5px #4382c4}.article:nth-child(2) .artpic{background:linear-gradient(145deg,#263c5e,#111a27)}.article:nth-child(2) .artpic:after{height:66px;width:80px;border-radius:60px 60px 0 0;background:repeating-linear-gradient(90deg,#547da6 0 7px,#294c70 7px 10px);box-shadow:none}.article:nth-child(3) .artpic{background:linear-gradient(150deg,#273c57,#1a2531)}.article:nth-child(3) .artpic:after{height:70px;width:65px;left:20%;border-radius:3px;background:linear-gradient(#6b98c9,#31547c);transform:rotate(-18deg);box-shadow:none}.article .copy{padding:14px 14px}.article h3{font:normal 16px/1.2 Georgia,serif;margin:0 0 8px}.article p{font-size:11px;color:var(--muted);margin:0 0 10px}.article a{font-size:11px;color:var(--gold2)}
.banner{display:grid;grid-template-columns:1fr 2fr .8fr;align-items:center;gap:30px;background:linear-gradient(110deg,#1b202a,#203751,#1a1e26);border:1px solid #373945;border-radius:10px;padding:20px 30px;margin-top:5px}.banner .photo{height:100px;background:radial-gradient(ellipse at 60% 82%,#487fb9,#253b52 35%,#1a1c28 75%);border-radius:5px;position:relative;overflow:hidden}.banner .photo:after{content:"";position:absolute;bottom:0;left:8%;width:82%;height:55%;background:repeating-linear-gradient(90deg,transparent 0 20px,#221f24 21px 33px,transparent 34px 45px);clip-path:polygon(0 100%,0 36%,13% 36%,13% 20%,25% 20%,25% 0,32% 0,32% 36%,45% 36%,45% 10%,56% 10%,56% 40%,68% 40%,68% 25%,83% 25%,83% 48%,100% 48%,100% 100%)}.banner h2{font-size:29px;margin-bottom:8px}.banner p{font-size:12px;color:var(--muted);margin:0}
.bottom{display:grid;grid-template-columns:1.4fr 1fr;gap:30px}.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.quote{border:1px solid #3b3d4a;background:#1c202a;border-radius:7px;padding:18px;font-size:12px;color:#c9c2be}.quote:before{content:'“';color:var(--gold);font:35px Georgia;display:block;height:27px}.stars{color:var(--gold);letter-spacing:2px;margin-top:10px}.faq details{border:1px solid #383d48;background:#1b202b;border-radius:6px;padding:11px 14px;margin-bottom:9px;color:#ded9d4;font-size:12px}.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:10px}.faq summary:after{content:'⌄';color:var(--gold)}.faq details[open] summary:after{content:'⌃'}.faq p{color:var(--muted);font-size:11px}
footer{border-top:1px solid #343844;background:#121720;padding:30px 0 17px}.footergrid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:30px}.footergrid h4{font-size:12px;color:var(--cream);font-weight:600}.footergrid p,.footergrid a{display:block;font-size:11px;color:var(--muted);margin:9px 0}.fine{margin-top:30px;border-top:1px solid #353944;padding-top:15px;font-size:10px;color:#959aa4;display:flex;justify-content:space-between;gap:20px}
/* Hero adjustments: reproduce the reference's blue-hour background and icon-led lead panel */

.hero{background-image:none;background-color:#081321}.hero:after{content:"";position:absolute;inset:0;z-index:0;background:none}
.hero:before{background:linear-gradient(90deg,rgba(7,16,29,.94) 0%,rgba(7,16,29,.65) 29%,rgba(7,16,29,.13) 53%,rgba(7,16,29,.03) 76%,rgba(7,16,29,.12) 100%)}
.hero .wrap{grid-template-columns:1.12fr .76fr;gap:8%;padding-top:35px;padding-bottom:35px}
.hero h1{margin-top:12px;margin-bottom:16px}
.lead{background:linear-gradient(145deg,rgba(29,29,36,.96),rgba(15,19,26,.97));border:1px solid #477db9;border-radius:9px;padding:22px 24px;box-shadow:0 20px 35px rgba(0,0,0,.45)}
.lead h2{font:normal 28px Georgia,serif}
.lead .mockup-fields{gap:9px;margin-top:10px}
.lead .icon-field{position:relative}
.lead .icon-field .field-icon{position:absolute;z-index:1;left:14px;top:50%;transform:translateY(-50%);font-size:20px;color:#82b9fa;line-height:1}
.lead .icon-field input,.lead .icon-field select{height:43px;border-radius:6px;padding:9px 14px 9px 44px;background:#1c222c;border:1px solid #363d47;color:#ece8e4}
.lead .icon-field select{appearance:auto;color:#b8b8bc}
.lead .icon-field input::placeholder{color:#aba6a4;opacity:1}
.lead .submit{height:43px;margin-top:11px}
.lead .notice{margin-top:8px!important}
@media(min-width:901px){
  .hero .wrap{width:min(1300px,calc(100% - 56px));grid-template-columns:minmax(0,1fr) 400px;gap:7%}
  .hero:after{background-size:max(105%,1600px) auto;background-position:right center}
  .lead{padding:20px 23px}
  .lead .mockup-fields{gap:8px}
  .lead .icon-field input,.lead .icon-field select{height:41px}
  .lead .submit{height:42px}
}
/* Real editorial imagery for the article cards and consultation banner */
.article .artpic{background-image:url('/assets/images/articles/article-coins-warm.jpg');background-size:cover;background-position:center center}
.article:nth-child(2) .artpic{background-image:url('/assets/images/articles/article-reichstag.webp');background-size:cover;background-position:74% center}
.article:nth-child(3) .artpic{background-image:url('/assets/images/articles/article-notebook.jpg');background-size:cover;background-position:center center}
.article .artpic:after{display:none}
.banner .photo{background-image:url('/assets/images/articles/banner-cologne-sunset.jpg');background-size:cover;background-position:center 52%;height:120px}
.banner .photo:after{display:none}
@media(max-width:900px){nav{gap:16px}.hero .wrap{gap:20px}.cards{grid-template-columns:repeat(2,1fr)}.trust .wrap{grid-template-columns:repeat(3,1fr)}.overview{grid-template-columns:1fr;gap:18px}.articles{grid-template-columns:1fr 1fr}.bottom{grid-template-columns:1fr}.banner{grid-template-columns:1fr 2fr}}
@media(max-width:650px){.wrap{width:calc(100% - 30px)}header{height:62px}.brand{font-size:17px}nav{display:none;position:absolute;top:62px;left:0;right:0;background:#121720;padding:20px;flex-direction:column;align-items:stretch;border-bottom:1px solid #555}nav.open{display:flex}.menu{display:block}.navcta{display:none}.hero .wrap{grid-template-columns:1fr;padding-top:32px;padding-bottom:32px}.hero h1{font-size:42px}.lead{padding:20px}.proof{gap:8px}.proof span{font-size:11px}.cards{grid-template-columns:1fr}.trust .wrap{grid-template-columns:1fr 1fr}.truststrong{grid-column:span 2}.rates{overflow-x:auto}.rates table{min-width:520px}.articles{grid-template-columns:1fr}.sectionhead{display:block}.sectionhead .link{display:inline-block;margin-top:12px}.banner{grid-template-columns:1fr}.banner .photo{display:none}.footergrid{grid-template-columns:1fr 1fr}.fine{flex-direction:column}section{padding:34px 0}}


/* SECONDARY COLOR VARIANT: Blue #4081D6, sampled from approved reference */
:root{--gold:#4081d6;--gold2:#81b9ff;--cream:#e2edfc}
.mark b{background:linear-gradient(#9bc9ff,#2867b8)}
.submit,.btn{background:linear-gradient(95deg,#3474c4,#79b4ff,#4081d6);color:#061729}
.navcta{border-color:#5b97df;color:#a1ccff}
.lead{border-color:#4b80bb}
.lead .icon-field .field-icon{color:#86bfff}
.lead .icon-field input:focus,.lead .icon-field select:focus{border-color:#76aff4}
.card:first-child{border-color:#4081d6}
.link{border-bottom-color:#629cde}

/* Financial comparison hero: four icon-led trust highlights */
.hero h1{font-size:clamp(34px,3.85vw,57px);max-width:730px}
.hero .proof{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:28px}
.hero .proof>span{display:flex;gap:7px;align-items:center;min-width:0}
.hero .proof-icon{color:var(--gold2);flex:none;width:29px;height:29px}
.hero .proof-label{display:inline-block;font-size:11px;line-height:1.25;color:#eee;white-space:normal}
@media(max-width:1150px){.hero .proof{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}}
@media(max-width:650px){.hero h1{font-size:clamp(32px,8vw,43px)}.hero .proof{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 8px}.hero .proof-label{font-size:11px}}

/* Trust strip inspired by the supplied reference, blue-accent edition */
.trust{background:linear-gradient(110deg,#171c27 0%,#1b212d 54%,#141c28 100%);padding:20px 0}
.trust .wrap{display:grid;grid-template-columns:minmax(230px,1.7fr) repeat(4,minmax(0,1fr));align-items:center;gap:17px}
.trust-heading{display:flex;align-items:center;gap:15px;min-width:0}
.truststrong{font:normal clamp(17px,1.65vw,23px)/1.14 Georgia,'Times New Roman',serif;color:#f0f2f7}
.trust-symbol{flex-shrink:0;width:35px;height:35px;color:var(--gold2)}
.trustitem{display:flex;align-items:center;gap:9px;border-left:0;padding-left:0;font-size:11px;line-height:1.36;color:#e2e8f3;min-width:0}
.trustitem span{display:block}
.trust-heading + .trustitem{border-left:1px solid #5481b6;padding-left:18px}
@media(max-width:1050px){.trust .wrap{grid-template-columns:repeat(2,minmax(0,1fr));gap:17px 25px}.trust-heading{grid-column:1/-1}.trust-heading + .trustitem{border-left:0;padding-left:0}}
@media(max-width:650px){.trust .wrap{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 10px}.truststrong{font-size:22px}.trust-symbol{width:29px;height:29px}.trust-heading .trust-symbol{width:34px;height:34px}.trustitem{font-size:11px;gap:7px}}

/* Refined Lucide trust icons, consistent weight and optical alignment */
.trust-symbol{width:35px;height:35px;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.trust-heading .trust-symbol{width:40px;height:40px}
.trustitem:last-child .trust-symbol{width:38px;height:38px}
@media(max-width:650px){.trust-heading .trust-symbol{width:36px;height:36px}.trustitem:last-child .trust-symbol{width:30px;height:30px}}