:root{
  --az:#003781;        /* Allianz-Blau */
  --az-dark:#002357;
  --az-light:#e8eef6;
  --ink:#1a2330;
  --muted:#5b6875;
  --line:#dfe4ea;
  --bg:#f4f6f9;
  --card:#ffffff;
  --ok:#1c8a4d;
  --radius:14px;
  --shadow:0 1px 3px rgba(16,32,64,.06),0 6px 20px rgba(16,32,64,.05);
}
*{box-sizing:border-box}
html,body{margin:0}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--ink);line-height:1.5;
  -webkit-font-smoothing:antialiased;padding-bottom:96px;
}
.header{
  background:linear-gradient(135deg,var(--az),var(--az-dark));color:#fff;
  padding:22px 20px 20px;position:sticky;top:0;z-index:5;
  box-shadow:0 2px 12px rgba(0,35,87,.25);
}
.header .brand{font-size:12px;letter-spacing:.14em;text-transform:uppercase;opacity:.85}
.header h1{margin:6px 0 2px;font-size:20px;font-weight:650}
.header p{margin:0;font-size:13px;opacity:.9}
.wrap{max-width:640px;margin:0 auto;padding:18px 16px}
.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);margin:14px 0;overflow:hidden;
}
.card > h2{
  margin:0;padding:15px 18px;font-size:15px;font-weight:650;color:var(--az);
  background:var(--az-light);border-bottom:1px solid var(--line);
}
.card .body{padding:6px 18px 16px}
.field{padding:12px 0;border-bottom:1px solid #f0f2f5}
.field:last-child{border-bottom:0}
.field label.q{display:block;font-size:14px;font-weight:550;margin-bottom:8px;color:var(--ink)}
.hint{color:var(--muted);font-weight:400;font-size:12.5px}
input[type=text],input[type=email],input[type=tel],select{
  width:100%;font-size:16px;padding:12px 13px;border:1px solid var(--line);
  border-radius:10px;background:#fff;color:var(--ink);
}
input:focus,select:focus{outline:none;border-color:var(--az);box-shadow:0 0 0 3px rgba(0,55,129,.12)}
.money{position:relative}
.money input{padding-right:52px;text-align:right;font-variant-numeric:tabular-nums}
.money .unit{
  position:absolute;right:13px;top:50%;transform:translateY(-50%);
  color:var(--muted);font-size:13px;pointer-events:none;
}
/* ja/nein Segmented */
.seg{display:flex;gap:8px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{
  flex:1;text-align:center;padding:11px 8px;border:1px solid var(--line);
  border-radius:10px;font-size:14px;font-weight:550;color:var(--muted);
  cursor:pointer;background:#fff;transition:.12s;
}
.seg input:checked + label{background:var(--az);border-color:var(--az);color:#fff}
.seg label.no{}
.seg input.no:checked + label{background:#8a1c2b;border-color:#8a1c2b;color:#fff}
/* Risiko-Ton: Ja = rot (Achtung), Nein = grün (gut) */
.seg-risk input:checked + label{background:#8a1c2b;border-color:#8a1c2b;color:#fff}
.seg-risk input.no:checked + label{background:#1c8a4d;border-color:#1c8a4d;color:#fff}
/* Aufklappende Detailfelder */
.reveal{margin-top:12px;padding:12px;border:1px dashed var(--line);border-radius:10px;background:#fafbfc}
.reveal[hidden]{display:none}
.subhead{font-size:12px;font-weight:700;color:var(--az);text-transform:uppercase;
  letter-spacing:.05em;margin:10px 0 4px}
.subhead:first-child{margin-top:0}
.field2{margin:8px 0}
.field2 .q2{display:block;font-size:13px;font-weight:550;margin-bottom:5px}
/* Radios */
.opt{display:flex;align-items:center;gap:11px;padding:11px 12px;border:1px solid var(--line);
  border-radius:10px;margin-bottom:8px;cursor:pointer;background:#fff}
.opt:last-child{margin-bottom:0}
.opt input{width:20px;height:20px;accent-color:var(--az);flex:none}
.opt span{font-size:14px}
.opt.sel{border-color:var(--az);background:var(--az-light)}
/* Sticky Summe + Submit */
.footer{
  position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);
  box-shadow:0 -4px 18px rgba(16,32,64,.08);z-index:6;
}
.footer .inner{max-width:640px;margin:0 auto;padding:11px 16px;
  display:flex;align-items:center;gap:14px}
.sum{flex:1}
.sum .lbl{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.sum .val{font-size:20px;font-weight:700;color:var(--az);font-variant-numeric:tabular-nums}
button.submit{
  background:var(--az);color:#fff;border:0;border-radius:12px;
  padding:14px 22px;font-size:16px;font-weight:650;cursor:pointer;flex:none;
}
button.submit:active{background:var(--az-dark)}
.intro{font-size:14px;color:var(--muted);margin:2px 0 0}
.dsgvo{margin-bottom:12px}
.dsgvo summary{cursor:pointer;font-size:14px;font-weight:550;color:var(--az);padding:6px 0}
.dsgvo-text{font-size:12.5px;color:var(--muted);padding:6px 2px 2px}
.dsgvo-text p{margin:8px 0}
.consent{display:flex;align-items:flex-start;gap:11px;padding:12px;border:1px solid var(--line);
  border-radius:10px;background:#fff;cursor:pointer}
.consent input{width:20px;height:20px;accent-color:var(--az);flex:none;margin-top:1px}
.consent span{font-size:13px}
.sel-toggle{border-color:var(--line)}
.sel-toggle input{width:20px;height:20px;accent-color:var(--az);flex:none}
.res-title{
  margin:26px 4px 2px;font-size:13px;font-weight:700;letter-spacing:.06em;
  text-transform:uppercase;color:var(--az);
  border-left:4px solid var(--az);padding-left:10px;
}
section.res[hidden]{display:none}
.danke{text-align:center;padding:60px 24px}
.danke .check{width:72px;height:72px;border-radius:50%;background:var(--ok);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:38px;margin:0 auto 20px}
.danke h1{color:var(--az);font-size:22px;margin:0 0 8px}
.danke p{color:var(--muted);max-width:420px;margin:6px auto}