/* ============================================================
   IDA CREDIT — Design System
   Subject: B2B Kreditversicherung, Factoring, Kaution, Inkasso
   Signature: "Ledger line" — Abschnitte tragen einen rechtsbündigen
   Referenzcode (Position, Paragraph, Kennziffer), wie eine Bilanz-
   oder Rechnungszeile. Passt zum Forderungs-/Bilanz-Kontext.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Libre+Franklin:wght@400;600;700;900&family=Source+Sans+3:wght@400;500;600&family=IBM+Plex+Mono:wght@400;500&display=swap');

:root {
  --ink: #0B2A4D;
  --ink-soft: #163A61;
  --paper: #F4F9FD;
  --paper-raised: #FFFFFF;
  --steel: #1C6DC4;
  --brass: #1C6DC4;
  --brass-hover: #124A8C;
  --brand-light: #4FA8E0;
  --line: #DCE6EF;
  --line-dark: #1B4E86;
  --slate: #55677A;
  --slate-light: #8FA3B8;

  --font-display: 'Libre Franklin', sans-serif;
  --font-body: 'Source Sans 3', sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;

  --max-width: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  font-size: 17px;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }

a { color: inherit; }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 32px;
}

/* ---------- Ledger tag (signature element) ---------- */
.ledger-tag {
  font-family: var(--font-mono);
  font-size: 13px;
  letter-spacing: 0.02em;
  color: var(--slate);
  white-space: nowrap;
}
.ledger-divider {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 4px 0 28px;
}
.ledger-divider::before {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line);
}
.ledger-divider .ledger-tag { order: 2; }

/* ---------- Header / Nav ---------- */
header.site-header {
  background: var(--paper-raised);
  color: var(--ink);
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid var(--line);
}
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}
.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}
.logo img {
  height: 34px;
  width: auto;
  display: block;
}
nav.primary-nav ul {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 28px;
  margin: 0;
  padding: 0;
}
nav.primary-nav a {
  text-decoration: none;
  font-size: 15px;
  font-weight: 500;
  color: var(--slate);
  transition: color .15s ease;
}
nav.primary-nav a:hover, nav.primary-nav a.active { color: var(--ink); }
.nav-cta {
  background: var(--brass);
  color: #fff !important;
  padding: 9px 18px;
  border-radius: 3px;
  font-weight: 600 !important;
}
.nav-cta:hover { background: var(--brass-hover); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, #EAF4FC 0%, #F8FBFE 55%, #FFFFFF 100%);
  color: var(--ink);
  padding: 88px 0 96px;
  border-bottom: 1px solid var(--line);
}
.hero .eyebrow {
  font-family: var(--font-mono);
  color: var(--brass);
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 18px;
}
.hero h1 {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: clamp(34px, 5vw, 54px);
  line-height: 1.08;
  letter-spacing: -0.015em;
  margin: 0 0 22px;
  max-width: 780px;
  color: var(--ink);
}
.hero .lede {
  font-size: 20px;
  color: var(--slate);
  max-width: 620px;
  margin: 0 0 34px;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--brass);
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  padding: 14px 28px;
  border-radius: 3px;
  border: none;
  cursor: pointer;
  transition: background .15s ease;
}
.btn:hover { background: var(--brass-hover); }
.btn.ghost {
  background: transparent;
  border: 1px solid var(--line);
  color: var(--ink);
}
.btn.ghost:hover { border-color: var(--brass); color: var(--brass); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Sections ---------- */
section { padding: 76px 0; }
section.alt { background: var(--paper-raised); }
h2.section-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(26px, 3.4vw, 36px);
  letter-spacing: -0.01em;
  margin: 0 0 6px;
}
p.section-lede {
  color: var(--slate);
  font-size: 18px;
  max-width: 640px;
  margin: 0 0 40px;
}

/* ---------- Benefit grid ---------- */
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 28px;
}
.card {
  background: var(--paper-raised);
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 28px;
}
.card .num {
  font-family: var(--font-mono);
  color: var(--brass);
  font-size: 14px;
  margin-bottom: 12px;
  display: block;
}
.card h3 {
  font-family: var(--font-display);
  font-size: 19px;
  margin: 0 0 10px;
}
.card p { color: var(--slate); margin: 0; font-size: 15.5px; }

/* ---------- Process steps ---------- */
.process { display: flex; flex-direction: column; gap: 0; }
.step {
  display: grid;
  grid-template-columns: 90px 1fr;
  gap: 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
}
.step:last-child { border-bottom: none; }
.step .step-tag {
  font-family: var(--font-mono);
  color: var(--brass);
  font-size: 14px;
  padding-top: 4px;
}
.step h3 { font-family: var(--font-display); margin: 0 0 6px; font-size: 19px; }
.step p { margin: 0; color: var(--slate); }

/* ---------- Stat strip ---------- */
.stat-strip {
  background: linear-gradient(120deg, var(--steel), var(--ink-soft));
  color: #fff;
  padding: 48px 0;
}
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 32px;
}
.stat .value {
  font-family: var(--font-mono);
  font-size: 34px;
  color: #fff;
  display: block;
  margin-bottom: 4px;
}
.stat .label { color: #D9EBFA; font-size: 14.5px; }

/* ---------- FAQ ---------- */
.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 22px 0;
}
.faq-item h3 {
  font-family: var(--font-display);
  font-size: 17.5px;
  margin: 0 0 8px;
}
.faq-item p { color: var(--slate); margin: 0; }

/* ---------- Highlight box (Billada-Kooperation etc.) ---------- */
.highlight-box {
  background: linear-gradient(135deg, #EAF4FC, #F8FBFE);
  border: 1px solid #C9E2F5;
  border-left: 4px solid var(--brass);
  border-radius: 4px;
  padding: 32px 36px;
  margin-bottom: 40px;
}
.highlight-box .ledger-tag { color: var(--brass); display: block; margin-bottom: 10px; }
.highlight-box h3 {
  font-family: var(--font-display);
  font-size: 21px;
  margin: 0 0 12px;
  color: var(--ink);
}
.highlight-box p { color: var(--slate); margin: 0 0 8px; font-size: 16px; }
.highlight-box ul { margin: 12px 0 0; padding-left: 20px; color: var(--ink); }
.highlight-box li { margin-bottom: 6px; }
.highlight-box strong { color: var(--ink); }

/* ---------- Form ---------- */
.form-section { padding: 56px 0 88px; }
.form-card {
  background: var(--paper-raised);
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 40px;
  max-width: 760px;
  margin: 0 auto;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.form-grid .full { grid-column: 1 / -1; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
}
.field .hint { font-size: 12.5px; color: var(--slate-light); font-weight: 400; }
.field input,
.field select,
.field textarea {
  font-family: var(--font-body);
  font-size: 15.5px;
  padding: 11px 13px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--paper);
  color: var(--ink);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--brass);
  background: #fff;
}
.field textarea { resize: vertical; min-height: 90px; }
.form-legend {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  color: var(--ink);
  margin: 28px 0 4px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.form-grid .form-legend { grid-column: 1 / -1; }
.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--slate);
}
.checkbox-row input { margin-top: 3px; }
.checkbox-row a { color: var(--brass); }
.submit-row { margin-top: 28px; }
.form-note {
  font-size: 13.5px;
  color: var(--slate-light);
  margin-top: 14px;
}
.form-banner {
  border-radius: 4px;
  padding: 16px 20px;
  margin-bottom: 28px;
  font-size: 15px;
}
.form-banner.success { background: #E6F4EA; color: #1E5B2E; border: 1px solid #B7DFC2; }
.form-banner.error { background: #FBEAEA; color: #8A2A2A; border: 1px solid #F0C4C4; }
@media (max-width: 640px) {
  .form-grid { grid-template-columns: 1fr; }
  .form-card { padding: 28px 22px; }
}

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--brand-light), var(--steel));
  color: #fff;
  padding: 60px 0;
  text-align: center;
}
.cta-band h2 {
  font-family: var(--font-display);
  font-size: clamp(24px, 3vw, 32px);
  margin: 0 0 14px;
}
.cta-band p { color: #DCE4EC; margin: 0 0 28px; }

/* ---------- Product overview (index) ---------- */
.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.product-card {
  background: var(--paper-raised);
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 32px;
  text-decoration: none;
  color: var(--ink);
  transition: border-color .15s ease, transform .15s ease;
  display: block;
}
.product-card:hover { border-color: var(--brass); transform: translateY(-2px); }
.product-card .ledger-tag { color: var(--brass); margin-bottom: 14px; display: block; }
.product-card h3 {
  font-family: var(--font-display);
  font-size: 22px;
  margin: 0 0 10px;
}
.product-card p { color: var(--slate); margin: 0 0 16px; font-size: 15.5px; }
.product-card .link { font-weight: 600; color: var(--brass); font-size: 15px; }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--ink);
  color: #A9B4C0;
  padding: 48px 0 28px;
  font-size: 14.5px;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 28px;
  margin-bottom: 32px;
}
.footer-grid h4 {
  color: #fff;
  font-family: var(--font-display);
  font-size: 15px;
  margin: 0 0 14px;
}
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-grid a { text-decoration: none; color: #A9B4C0; }
.footer-grid a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid var(--line-dark);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  color: var(--slate-light);
  font-size: 13.5px;
}

/* ---------- Responsive ---------- */
@media (max-width: 720px) {
  nav.primary-nav { display: none; }
  .hero { padding: 56px 0 64px; }
  .step { grid-template-columns: 1fr; gap: 6px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}

:focus-visible {
  outline: 2px solid var(--brass);
  outline-offset: 2px;
}