:root{--blue:#0757c9;--navy:#06366f;--navy2:#041f43;--ink:#14253f;--muted:#5d6d84;--line:#dce6f1;--pale:#f5f8fc;--white:#fff;--max:1280px;--shadow:0 16px 44px rgba(11,52,101,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,"Helvetica Neue",Helvetica,sans-serif;color:var(--ink);line-height:1.58;background:#fff;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,textarea,select{font:inherit}.wrap{width:min(var(--max),calc(100% - 72px));margin-inline:auto}.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(220,230,241,.9)}.nav{height:92px;display:flex;align-items:center;gap:28px}.brand img{width:184px;height:72px;object-fit:contain}.links{display:flex;align-items:center;gap:23px;margin-left:auto;font-size:14px;font-weight:700;color:#244467}.links a{position:relative;padding:34px 0 31px}.links a:after{content:"";position:absolute;left:0;right:100%;bottom:24px;height:2px;background:var(--blue);transition:.2s}.links a:hover,.links .active{color:var(--blue)}.links a:hover:after,.links .active:after{right:0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--blue);color:#fff;padding:13px 21px;border-radius:4px;font-weight:700;border:1px solid var(--blue);box-shadow:0 8px 18px rgba(7,87,201,.14);transition:.2s;cursor:pointer}.btn:hover{transform:translateY(-1px);box-shadow:0 12px 24px rgba(7,87,201,.2)}.btn.ghost{background:#fff;color:var(--blue);box-shadow:none}.menu{display:none;margin-left:auto;font-size:27px;background:none;border:0;color:var(--navy);cursor:pointer}.hero-shell{padding:34px 0 0}.hero{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(330px,.75fr);min-height:480px;border:1px solid var(--line);overflow:hidden;background:#fff}.hero--text{grid-template-columns:1fr}.hero-copy{padding:68px 58px;align-self:center;min-width:0}.eyebrow{font-size:12px;letter-spacing:.2em;color:var(--blue);font-weight:800;text-transform:uppercase}.hero h1,h1{font-size:clamp(40px,4.3vw,62px);letter-spacing:-.035em;line-height:1.02;margin:13px 0 24px;color:var(--navy)}h2{font-size:clamp(30px,3vw,44px);letter-spacing:-.025em;line-height:1.1;color:var(--navy);margin:9px 0 22px}h3{font-size:20px;line-height:1.25;color:var(--navy);margin:7px 0 11px}.lead{font-size:19px;line-height:1.58;max-width:1120px;color:#334b69}.hero .lead{max-width:720px}.hero-img{background-position:center;background-size:cover;background-repeat:no-repeat;min-height:420px}.hero-img--home{background-image:url('../img/iStock-518778710.jpg')}.hero-img--references{background-image:url('../img/iStock-638608716.jpg')}.hero-img--contact{background-image:url('../img/iStock-881542122.jpg')}.hero-img--about{background-image:url('../img/team/geschaeftsfuehrung.jpg');background-position:42% center}.hero-img--services{background-image:url('../img/iStock-1408007043.jpg')}.hero-img--expertise{background-image:url('../img/iStock-546468064.jpg');background-position:43% center}.hero-img--projects{background-image:url('../img/iStock-881542122.jpg')}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.strip{margin-top:26px;padding:18px 24px;border:1px solid var(--line);color:var(--navy);font-weight:700;text-align:center;background:#fff}.section{padding:86px 0}.section.pale{background:#f5f8fc}.section.dark{background:linear-gradient(118deg,var(--navy2),#064b8d 68%,#0869bb);color:#fff}.dark h2,.dark h3,.dark .eyebrow,.dark .lead{color:#fff}.dark .note,.dark p{color:#dbe7f4}.section-head{max-width:1120px;margin-bottom:38px}.grid{display:grid;gap:22px}.g4{grid-template-columns:repeat(4,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.card{border:1px solid var(--line);padding:30px;background:#fff;border-radius:5px;box-shadow:0 4px 16px rgba(14,54,99,.035)}.card p{color:var(--muted);margin-bottom:0}.card h3:before{content:"";display:block;width:34px;height:3px;background:var(--blue);margin-bottom:18px}.stat{font-size:40px;line-height:1;font-weight:800;letter-spacing:-.03em;color:var(--navy);margin-bottom:10px}.dark .stat{color:#fff}.note{font-size:13px;color:var(--muted)}.principle{font-size:20px;font-weight:800;color:var(--navy);padding:16px 0;border-bottom:1px solid var(--line)}.principle b{color:var(--blue);font-size:28px;margin-right:8px}.statement{font-size:clamp(24px,2.5vw,36px);line-height:1.28;color:var(--navy);font-weight:700;max-width:1120px;margin:30px 0}.dark .statement{color:#fff}.process{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;margin-top:32px}.process div{border-top:3px solid var(--blue);padding:15px 10px 0}.process strong{display:block;color:var(--navy);font-size:14px}.dark .process strong{color:#fff}.project-meta{font-size:14px;font-weight:700;color:var(--blue);margin-top:18px}.logo-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.logo-tile{border:1px solid var(--line);padding:20px 18px;background:#fff;min-height:104px;display:grid;place-items:center}.logo-tile{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.logo-tile:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(14,54,99,.08);border-color:#bfd0e2}.logo-tile:focus-visible{outline:3px solid rgba(7,87,201,.22);outline-offset:3px}.logo-tile img{width:100%;height:56px;object-fit:contain}.logo-tile span{font-weight:800;color:var(--navy);text-align:center}.testimonial{position:relative;min-height:360px;display:flex;align-items:center}.testimonial-slide{display:none;width:100%;max-width:980px;margin:auto;text-align:center}.testimonial-slide.active{display:block;animation:fade .5s ease}.testimonial blockquote{font-size:clamp(22px,2.5vw,34px);line-height:1.4;color:var(--navy);margin:0 auto 26px;max-width:930px}.testimonial .who{font-weight:800;color:var(--navy)}.testimonial .role{color:var(--muted)}.slider-controls{display:flex;justify-content:center;align-items:center;gap:12px;margin-top:26px}.slider-controls button{border:1px solid var(--line);background:#fff;color:var(--navy);width:38px;height:38px;border-radius:50%;cursor:pointer}.dots{display:flex;gap:8px}.dot{width:9px!important;height:9px!important;padding:0;border-radius:50%!important;background:#c9d7e6!important;border:0!important}.dot.active{background:var(--blue)!important}@keyframes fade{from{opacity:.2}to{opacity:1}}.profile{display:grid;grid-template-columns:1fr 1fr;gap:22px}.profile .card{height:100%}.tags{font-size:14px;color:#49617d;font-weight:700}.anniv{background:linear-gradient(105deg,#052a58,#0756a5 65%,#0a70ca);color:#fff;padding:30px 0}.anniv .wrap{display:flex;align-items:center;gap:30px}.anniv h2{color:#fff;font-size:30px;margin:4px 0}.ten{font-size:76px;font-weight:900;line-height:.9;letter-spacing:-.08em}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}.contact-panel{border:1px solid var(--line);background:#fff;padding:34px;box-shadow:var(--shadow);border-radius:5px}.form{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form .wide{grid-column:1/-1}label{font-weight:700;color:var(--navy);font-size:14px}input,textarea,select{width:100%;padding:13px 14px;border:1px solid #c8d6e5;border-radius:4px;margin-top:6px;background:#fff;color:var(--ink);outline:none}input:focus,textarea:focus,select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(7,87,201,.08)}textarea{min-height:155px;resize:vertical}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}.stepno{width:50px;height:50px;border:2px solid var(--blue);border-radius:50%;display:grid;place-items:center;color:var(--blue);font-weight:800;margin-bottom:16px}.footer{padding:34px 0;border-top:1px solid var(--line);font-size:13px;color:#526780;background:#fbfcfe}.footer .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}.footer strong{color:var(--navy)}.legal{max-width:920px}.legal h1{font-size:50px}.legal h2{font-size:27px;margin-top:42px}.legal p,.legal li{color:#344c68}.badge{display:inline-flex;border:1px solid #bcd3ed;background:#f5f9fe;color:var(--blue);padding:5px 10px;border-radius:99px;font-size:12px;font-weight:800}.center{text-align:center}.mt{margin-top:34px}
@media(max-width:1080px){.logo-grid{grid-template-columns:repeat(3,1fr)}.wrap{width:min(var(--max),calc(100% - 48px))}.links{gap:14px;font-size:13px}.hero{grid-template-columns:1.25fr .75fr}.hero-copy{padding:54px 42px}.g4{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(3,1fr)}}
@media(max-width:880px){.wrap{width:calc(100% - 36px)}.nav{height:78px}.brand img{width:158px;height:62px}.links,.nav-cta{display:none}.menu{display:block}.links.open{display:flex;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 28px 28px;border-bottom:1px solid var(--line)}.links.open a{padding:7px 0}.hero{grid-template-columns:1fr}.hero-copy{padding:48px 30px}.hero-img{min-height:300px;order:-1}.g3,.g2,.profile,.contact-grid,.steps,.form{grid-template-columns:1fr}.form .wide{grid-column:auto}.logo-grid{grid-template-columns:1fr 1fr}.section{padding:62px 0}.anniv .wrap{align-items:flex-start}.process{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.wrap{width:calc(100% - 28px)}.g4,.logo-grid,.process{grid-template-columns:1fr}.hero h1,h1{font-size:40px}.hero-shell{padding-top:18px}.hero-copy{padding:38px 22px}.anniv .wrap{gap:18px}.ten{font-size:58px}.section{padding:52px 0}.card{padding:24px}.strip{text-align:left;font-size:14px}.testimonial{min-height:440px}.nav{gap:10px}}

/* AXA: square brand tile balanced within the reference grid */
.logo-tile--axa img{max-width:104px;max-height:104px;width:auto;height:auto;object-fit:contain}
@media(max-width:700px){.logo-tile--axa img{max-width:88px;max-height:88px}}

/* Reference logo optical sizing */
.logo-tile--vkb img{height:72px;width:100%;object-fit:contain}
.logo-tile--dkv img{height:auto;max-height:72px;width:88%;object-fit:contain}
.logo-tile--wertgarantie img{height:auto;max-height:70px;width:88%;object-fit:contain}

/* V3.12 – persönliche Geschäftsführungsfotos */
.profile-card{overflow:hidden;padding-top:0}
.profile-photo{width:calc(100% + 60px);max-width:none;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:center top;margin:0 -30px 28px}
.about-teaser{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(360px,.85fr);gap:54px;align-items:center}
.about-teaser .statement{font-size:clamp(23px,2.2vw,32px)}
.about-teaser-image{overflow:hidden;border:1px solid var(--line);border-radius:5px;background:#f5f8fc}
.about-teaser-image img{width:100%;height:420px;object-fit:cover;object-position:45% center}
@media(max-width:880px){.about-teaser{grid-template-columns:1fr;gap:30px}.about-teaser-image{order:-1}.about-teaser-image img{height:320px}.profile-photo{height:auto;aspect-ratio:4/5}.hero-img--about{background-position:38% center}}
@media(max-width:560px){.profile-photo{height:auto;aspect-ratio:4/5}.about-teaser-image img{height:260px}}
