/* Kluge Finanz — Kredite-Übersicht
   Ergänzt site.css ausschließlich um Komponenten, die auf dieser Seite vorkommen.
   Alle Farb-, Typografie-, Abstands- und Bewegungswerte werden aus site.css
   (:root-Variablen) übernommen — keine neuen Farbwerte, keine neue Easing-Kurve.
   Diese Datei verwendet an keiner Stelle Zusagen zu Zinssätzen, Auszahlungen
   oder einer Kreditannahme — Entscheidungen treffen ausschließlich Anbieter
   und Vermittler. */

/* ---------- Anker-Ziele: Ausgleich für die fixierte Navigation ---------- */
#kredite-liste {
  scroll-margin-top: var(--nav-h);
}

/* ---------- Aktuelle Seite in der Navigation ---------- */
.nav-links a[aria-current="page"],
.mobile-panel a[aria-current="page"],
.footer-col a[aria-current="page"] {
  color: var(--c-gold);
}
.nav-links a[aria-current="page"]::after {
  transform: scaleX(1);
}

/* ---------- Mini-Hero ---------- */
.kd-hero {
  min-height: auto;
  padding-top: calc(var(--nav-h) + clamp(3rem, 7vw, 5.5rem));
  padding-bottom: clamp(3.5rem, 7vw, 5.5rem);
}
.kd-hero-note {
  margin-top: 1.1rem;
  font-size: 0.82rem;
  line-height: 1.6;
  color: var(--c-off-faint);
  max-width: 48ch;
  padding-left: 1rem;
  border-left: 1px solid var(--c-line-strong);
}

/* ---------- Hero-Element: Kreditprüfung — Dokument, Ebenen, Statuslinie ---------- */
.kd-hero-visual {
  position: relative;
  min-width: 0;
  height: clamp(320px, 38vw, 440px);
  perspective: 1300px;
}
.kd-hero-visual::after {
  content: "";
  position: absolute;
  inset: -12%;
  background: linear-gradient(115deg, transparent 42%, rgba(228, 205, 160, 0.09) 50%, transparent 58%);
  animation: kdSheen 10s ease-in-out infinite;
  pointer-events: none;
  z-index: 5;
}
@keyframes kdSheen {
  0%, 100% { transform: translateX(-22%); }
  50% { transform: translateX(22%); }
}

.kd-spark {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 6;
  overflow: visible;
  pointer-events: none;
}
.kd-spark-dot {
  fill: var(--c-gold-bright);
  opacity: 0;
  animation: kdSparkPulse 8s ease-in-out infinite;
}
.kd-spark-dot[data-spark="1"] { animation-delay: 2.6s; }
.kd-spark-dot[data-spark="2"] { animation-delay: 5.2s; }
@keyframes kdSparkPulse {
  0%, 100% { opacity: 0; }
  50% { opacity: 0.5; }
}

/* ---- Schwebende Daten-Ebenen (Tiefe hinter dem Dokument) ---- */
.kd-layer {
  position: absolute;
  border-radius: 16px;
  border: 1px solid rgba(201, 174, 121, 0.16);
  background: linear-gradient(155deg, rgba(19, 46, 43, 0.55), rgba(11, 15, 15, 0.35));
  backdrop-filter: blur(2px);
}
.kd-layer--a {
  width: 158px;
  height: 100px;
  top: 6%;
  right: 6%;
  z-index: 1;
  transform: translate3d(calc(var(--kd-tx, 0) * 0.3px), calc(var(--kd-ty, 0) * 0.3px), -60px) rotate(7deg);
  transition: transform var(--dur-med) var(--ease-lux);
}
.kd-layer--b {
  width: 132px;
  height: 84px;
  bottom: 10%;
  left: 4%;
  z-index: 1;
  border-color: rgba(244, 239, 228, 0.1);
  background: linear-gradient(155deg, rgba(20, 24, 23, 0.6), rgba(11, 15, 15, 0.3));
  transform: translate3d(calc(var(--kd-tx, 0) * 0.22px), calc(var(--kd-ty, 0) * 0.22px), -80px) rotate(-6deg);
  transition: transform var(--dur-med) var(--ease-lux);
}

/* ---- Fiktives Dokument: abstrakte Konditionsübersicht, kein Formular ---- */
.kd-sheet {
  position: absolute;
  width: 240px;
  top: 8%;
  left: 14%;
  z-index: 3;
  border-radius: 14px;
  border: 1px solid rgba(201, 174, 121, 0.3);
  background: linear-gradient(165deg, var(--c-obsidian-3) 0%, var(--c-obsidian-2) 55%, var(--c-obsidian) 100%);
  box-shadow: 0 30px 56px -22px rgba(0, 0, 0, 0.6), 0 0 0 1px rgba(244, 239, 228, 0.04) inset;
  padding: 16px 17px 15px;
  display: flex;
  flex-direction: column;
  gap: 11px;
  transform: translate3d(calc(var(--kd-tx, 0) * 0.7px), calc(var(--kd-ty, 0) * 0.7px), 30px) rotate(-4deg);
  transition: transform var(--dur-med) var(--ease-lux);
}
.kd-sheet-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.kd-sheet-brand {
  font-family: var(--font-display);
  font-size: 0.6rem;
  color: var(--c-off);
}
.kd-sheet-brand em { font-style: normal; color: var(--c-gold); }
.kd-sheet-tag {
  font-size: 0.32rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-gold);
  border: 1px solid rgba(201, 174, 121, 0.4);
  border-radius: 999px;
  padding: 3px 7px;
  white-space: nowrap;
}
.kd-sheet-lines {
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.kd-sheet-line {
  display: block;
  height: 5px;
  border-radius: 999px;
  background: rgba(244, 239, 228, 0.14);
}
.kd-sheet-line--title {
  height: 7px;
  width: 72%;
  background: rgba(244, 239, 228, 0.26);
}
.kd-sheet-line:nth-child(3) { width: 90%; }
.kd-sheet-line--short { width: 44%; }
.kd-sheet-block {
  margin-top: 2px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  border-radius: 9px;
  border: 1px solid rgba(244, 239, 228, 0.09);
  background: rgba(244, 239, 228, 0.05);
  padding: 9px 10px 10px;
}
.kd-sheet-block-label {
  font-size: 0.36rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--c-off-dim);
}
.kd-sheet-block-bar {
  display: block;
  height: 4px;
  width: 82%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--c-gold-bright), var(--c-gold));
  opacity: 0.6;
}
.kd-sheet-block-bar--alt {
  width: 56%;
  background: rgba(244, 239, 228, 0.28);
  opacity: 1;
}
.kd-sheet-signature {
  width: 100%;
  height: 26px;
  margin-top: 2px;
  overflow: visible;
}
.kd-sheet-signature path {
  stroke-dasharray: 260;
  stroke-dashoffset: 0;
  animation: kdSignatureDraw 7s var(--ease-lux) infinite;
}
@keyframes kdSignatureDraw {
  0% { stroke-dashoffset: 260; opacity: 0; }
  12% { opacity: 1; }
  55% { stroke-dashoffset: 0; opacity: 1; }
  85%, 100% { stroke-dashoffset: 0; opacity: 0.35; }
}

/* ---- Prüfstatus: schwebende Statuslinie, kein Antragsbutton ---- */
.kd-status {
  position: absolute;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  bottom: 9%;
  right: 8%;
  z-index: 4;
  border-radius: 999px;
  border: 1px solid rgba(201, 174, 121, 0.3);
  background: rgba(11, 15, 15, 0.55);
  backdrop-filter: blur(4px);
  padding: 0.5rem 0.9rem;
  transform: translate3d(calc(var(--kd-tx, 0) * 0.45px), calc(var(--kd-ty, 0) * 0.45px), 55px);
  transition: transform var(--dur-med) var(--ease-lux);
}
.kd-status-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--c-gold);
  box-shadow: 0 0 0 0 rgba(201, 174, 121, 0.5);
  animation: kdStatusPulse 2.6s ease-in-out infinite;
}
@keyframes kdStatusPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201, 174, 121, 0.35); }
  50% { box-shadow: 0 0 0 5px rgba(201, 174, 121, 0); }
}
.kd-status-label {
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  color: var(--c-off-dim);
  white-space: nowrap;
}

/* ---------- Einordnungstext über dem Produkt-Grid ---------- */
.kd-intro a {
  color: var(--c-gold);
  border-bottom: 1px solid var(--c-gold-dim);
  transition: color var(--dur-fast) var(--ease-lux), border-color var(--dur-fast) var(--ease-lux);
}
.kd-intro a:hover { color: var(--c-gold-bright); border-color: var(--c-gold-bright); }
.kd-order-note {
  margin-top: 0.6rem;
  font-size: 0.78rem;
  color: var(--c-off-faint);
}

/* ---------- Produkt-Grid: großzügig, unterschiedlich betont ---------- */
.kd-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
.kd-grid > * { min-width: 0; }
.kd-card {
  position: relative;
  overflow: hidden;
}
.kd-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--c-gold-dim), transparent);
  opacity: 0.7;
}
.kd-card .product-top { padding-right: 0; }

.kd-highlight-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-gold);
  background: transparent;
  border: 1px solid rgba(201, 174, 121, 0.4);
  border-radius: 999px;
  padding: 0.28rem 0.6rem;
  width: fit-content;
}

.kd-category {
  display: inline-flex;
  align-items: center;
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  border-radius: 999px;
  padding: 0.3rem 0.7rem;
  width: fit-content;
}
.kd-category--bank {
  color: var(--c-obsidian);
  background: linear-gradient(135deg, var(--c-gold-bright), var(--c-gold));
}
.kd-category--vermittlung {
  color: var(--c-off-dim);
  border: 1px solid var(--c-line-strong);
}

/* ---------- Worauf bei Krediten zu achten ist ---------- */
.kd-points-lines {
  display: flex;
  flex-direction: column;
}
.kd-points-line {
  position: relative;
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.15rem 0;
  border-bottom: 1px solid var(--c-line);
  transition: padding-left var(--dur-fast) var(--ease-lux);
}
.kd-points-line:first-child { border-top: 1px solid var(--c-line); }
.kd-points-line::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--c-gold);
  transform: scaleY(0);
  transform-origin: top;
  transition: transform var(--dur-med) var(--ease-lux);
}
.kd-points-line:hover,
.kd-points-line:focus-within {
  padding-left: 1rem;
}
.kd-points-line:hover::before,
.kd-points-line:focus-within::before { transform: scaleY(1); }
.kd-points-label {
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--c-off);
  flex-shrink: 0;
}
.kd-points-value {
  font-size: 0.86rem;
  color: var(--c-off-faint);
  text-align: right;
  max-width: 34ch;
}

/* ---------- Anbieter und Vermittler unterscheiden ---------- */
.kd-distinction {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.kd-distinction > * { min-width: 0; }
.kd-distinction-card {
  padding: 1.75rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--c-line);
  background: var(--c-obsidian-2);
}
.kd-distinction-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--c-off);
  margin: 0 0 0.6rem;
}
.kd-distinction-card p {
  font-size: 0.9rem;
  line-height: 1.65;
  color: var(--c-off-faint);
  margin: 0;
}
.kd-distinction-note {
  margin-top: 1.5rem;
  font-size: 0.82rem;
  line-height: 1.6;
  color: var(--c-off-faint);
  max-width: 60ch;
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .kd-hero-visual {
    margin-top: 2.5rem;
    width: 100%;
    max-width: 440px;
    margin-inline: auto;
  }
  .kd-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
  .kd-distinction { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .kd-grid { grid-template-columns: 1fr; }
  .kd-points-line { flex-direction: column; align-items: flex-start; gap: 0.4rem; }
  .kd-points-value { text-align: left; }
}

/* ---------- prefers-reduced-motion ---------- */
@media (prefers-reduced-motion: reduce) {
  .kd-hero-visual::after { animation: none; opacity: 0; }
  .kd-spark-dot { animation: none; opacity: 0; }
  .kd-sheet-signature path { animation: none; stroke-dashoffset: 0; opacity: 0.6; }
  .kd-status-dot { animation: none; }
  .kd-sheet, .kd-layer, .kd-status { transition: none; }
}