/* Versicherungs-Seite – ergänzt css/index-neu.css. Kein passendes Foto-
   Material vorhanden, daher grafischer Hero (gleiches Prinzip wie
   Ansprechpartner/Standort-Seiten: Verlauf + Blobs + Punktraster) statt
   eines Fotos. */

.vs-hero{position:relative;min-height:88svh;display:flex;align-items:center;overflow:hidden;background:radial-gradient(120% 100% at 15% 0%,#1c2557 0%,var(--bg) 55%),var(--bg);padding:120px 0 64px}
.vs-hero-bg{position:absolute;inset:0;overflow:hidden}
.vs-orb{position:absolute;border-radius:50%;filter:blur(70px);opacity:.5;animation:vsOrbDrift 20s ease-in-out infinite alternate}
.vs-orb-1{width:480px;height:480px;left:-150px;top:-130px;background:radial-gradient(circle,var(--accent) 0%,transparent 70%)}
.vs-orb-2{width:420px;height:420px;right:-160px;top:-30px;background:radial-gradient(circle,var(--blue) 0%,transparent 70%);animation-delay:-8s}
@keyframes vsOrbDrift{from{transform:translate(0,0) scale(1)}to{transform:translate(30px,24px) scale(1.1)}}
.vs-grid-pattern{position:absolute;inset:0;width:100%;height:100%;color:rgba(255,255,255,.05)}
.vs-hero-content{position:relative;z-index:2;max-width:680px}
@media(prefers-reduced-motion:reduce){.vs-orb{animation:none}}

/* Intro */
.vs-intro{text-align:center}
.vs-intro .nx-wrap{max-width:780px}
.vs-intro .nx-kicker{justify-content:center}
.vs-intro .nx-lead{margin:0 auto}

/* Benefits (6 Karten) */
.vs-benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:10px;overflow:hidden;margin-top:56px}
.vs-benefit-card{background:var(--bg);padding:32px 26px}
.vs-benefit-card span{display:block;font-family:var(--display);font-weight:800;font-size:26px;color:var(--accent-soft);opacity:.7;margin-bottom:14px}
.vs-benefit-card h3{font-size:17px;font-weight:700;margin-bottom:8px}
.vs-benefit-card p{color:var(--muted);font-size:14px;line-height:1.6}

/* Partner */
.vs-partner{padding:clamp(72px,9vw,120px) 0}
.vs-partner-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,72px);align-items:center}
.vs-partner-content p{color:var(--off-muted);margin-top:18px;line-height:1.7}
.vs-partner-cards{display:flex;flex-direction:column;gap:14px}
.vs-partner-card{display:block;background:#fff;border-radius:12px;padding:22px 26px;box-shadow:0 0 0 1px rgba(20,20,20,.06);transition:transform .3s var(--ease),box-shadow .3s}
.vs-partner-card:hover{transform:translateY(-3px);box-shadow:0 20px 34px -20px rgba(20,26,51,.25)}
.vs-partner-card strong{display:block;font-size:18px;font-weight:800;margin-bottom:4px}
.vs-partner-card span{color:var(--off-muted);font-size:13.5px}

/* Beratung CTA */
.vs-consulting{padding:clamp(56px,7vw,88px) 0}
.vs-consulting-card{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;background:var(--blue);color:#fff;border-radius:16px;padding:clamp(32px,4vw,52px)}
.vs-consulting-card h2{font-family:var(--display);font-weight:800;font-size:clamp(26px,2.6vw,36px);letter-spacing:-.02em;margin:8px 0 10px}
.vs-consulting-card p{color:rgba(255,255,255,.8);max-width:520px;line-height:1.6}
.vs-consulting-card .nx-kicker{color:rgba(255,255,255,.75)}
.vs-consulting-card .nx-btn-dark{background:var(--accent)}
.vs-consulting-card .nx-btn-dark:hover{background:#fff;color:var(--blue)}

/* Vergleichstabelle */
.vs-compare{padding:clamp(72px,9vw,120px) 0}
.vs-compare-head{text-align:center;max-width:680px;margin:0 auto 48px}
.vs-compare-head .nx-kicker{justify-content:center}
.vs-table-wrap{overflow-x:auto;border-radius:12px;box-shadow:0 0 0 1px rgba(20,20,20,.08)}
.vs-table{width:100%;border-collapse:collapse;min-width:640px;background:#fff}
.vs-table th,.vs-table td{padding:16px 20px;text-align:left;font-size:14.5px;border-bottom:1px solid rgba(20,20,20,.08)}
.vs-table thead th{background:var(--off);font-weight:700;color:var(--off-ink)}
.vs-table th:not(:first-child),.vs-table td:not(:first-child){text-align:center}
.vs-table tbody tr:last-child td{border-bottom:0}
.vs-table td:first-child{color:var(--off-muted)}
.vs-table td.is-yes{color:var(--blue);font-weight:700}

/* FAQ */
.vs-faq{padding:clamp(72px,9vw,120px) 0}
.vs-faq-head{text-align:center;max-width:680px;margin:0 auto 40px}
.vs-faq-head .nx-kicker{justify-content:center}
.vs-faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.vs-faq-item{background:#fff;border-radius:10px;box-shadow:0 0 0 1px rgba(20,20,20,.07);overflow:hidden}
.vs-faq-item summary{cursor:pointer;list-style:none;padding:20px 24px;font-weight:700;font-size:15.5px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.vs-faq-item summary::-webkit-details-marker{display:none}
.vs-faq-item summary::after{content:"+";font-size:20px;font-weight:400;color:var(--off-muted);transition:transform .25s}
.vs-faq-item[open] summary::after{transform:rotate(45deg)}
.vs-faq-item p{padding:0 24px 20px;color:var(--off-muted);line-height:1.65;font-size:14.5px}

/* Final CTA */
.vs-final{text-align:center}
.vs-final .nx-wrap{max-width:680px;margin:0 auto}
.vs-final .nx-kicker,.vs-final .nx-actions{justify-content:center}

@media(max-width:1000px){
  .vs-benefit-grid{grid-template-columns:repeat(2,1fr)}
  .vs-partner-grid{grid-template-columns:1fr}
}
@media(max-width:640px){
  .vs-benefit-grid{grid-template-columns:1fr}
}