@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--deep:#082b25;--forest:#0b3a30;--cream:#f6f2e8;--gold:#d9b76d;--ink:#12382e}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'DM Sans',Arial,sans-serif;background:var(--cream);color:var(--ink)}a{text-decoration:none;color:inherit}button,input{font:inherit}.wrap{width:min(1200px,calc(100% - 56px));margin:auto}.nav{position:sticky;top:0;z-index:20;background:rgba(8,43,37,.97);border-bottom:1px solid #ffffff20;backdrop-filter:blur(15px)}.navin{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:88px}.brand{background:#f7f0de;border-radius:3px;padding:8px 17px;display:flex;align-items:center}.brand img{width:155px;height:52px;object-fit:contain}.links{display:flex;gap:27px;align-items:center;color:#f7f1e8;font-size:13px;font-weight:600}.links a:hover{color:var(--gold)}.navbtn,.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:17px 23px;font-weight:700;font-size:13px;transition:.25s}.navbtn{border:1px solid #d9b76d;color:#f6f2e8}.btn:hover,.navbtn:hover{transform:translateY(-3px)}.btn.gold{background:var(--gold);color:#082b25}.btn.outline{border:1px solid #d9b76d;color:#f8f4e9}.btn.dark{background:var(--deep);color:#fff}.menu{display:none}.hero{background:radial-gradient(circle at 80% 40%,#1d5545 0,#092f27 45%,#06241e 100%);color:#f8f4e9;position:relative;overflow:hidden}.hero:before{content:'AC';position:absolute;right:-5%;top:3%;font:800 450px Manrope,Arial;color:#ffffff05;letter-spacing:-.15em;pointer-events:none}.heroin{display:grid;grid-template-columns:1.12fr .88fr;gap:65px;min-height:710px;align-items:center;padding:76px 0 88px}.eyebrow,.kicker{font-size:11px;font-weight:800;letter-spacing:.25em;text-transform:uppercase;color:var(--gold)}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Manrope,Arial,sans-serif;letter-spacing:-.055em}h1{font-size:clamp(54px,6.2vw,95px);line-height:1.06;margin:26px 0}h1 em,h2 em{font-style:normal;color:var(--gold)}.hero p{font-size:17px;line-height:1.8;color:#d5e0d9;max-width:530px}.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:35px}.hero-art{position:relative;min-height:520px;display:grid;place-items:center}.art-card{width:90%;height:490px;border:1px solid #d9b76d70;background:linear-gradient(145deg,#1a4b3d,#0b3028);display:grid;place-items:center;position:relative;box-shadow:30px 30px 0 #d9b76d13}.art-card:before{content:'';position:absolute;inset:16px;border:1px solid #ffffff1c}.art-card img{width:66%;max-height:330px;object-fit:contain;filter:drop-shadow(0 8px 25px #0004)}.art-card small{position:absolute;bottom:32px;color:#d9b76d;letter-spacing:.25em;font-size:10px}.floating{position:absolute;bottom:6px;right:-10px;background:var(--gold);color:var(--deep);padding:25px;font-size:12px;font-weight:800;letter-spacing:.14em}.ticker{background:var(--gold);color:var(--deep);overflow:hidden}.ticker div{padding:18px 0;display:flex;justify-content:space-between;gap:20px;font-size:11px;font-weight:800;letter-spacing:.18em}.section{padding:115px 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:95px;align-items:center}.section h2{font-size:clamp(38px,4.4vw,66px);line-height:1.13;margin:20px 0 28px}.section p{line-height:1.85;color:#52645d;font-size:16px}.feature{background:white;padding:45px;border:1px solid #e9e5da;box-shadow:0 20px 70px #092b2010}.feature strong{font:800 70px Manrope;color:var(--gold);letter-spacing:-.08em}.feature span{display:block;font-weight:700;margin-bottom:18px}.service{background:#eaece4}.sectionhead{display:flex;justify-content:space-between;align-items:end;gap:30px}.sectionhead p{max-width:380px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:35px}.card{background:#fff;min-height:330px;padding:38px;display:flex;flex-direction:column;transition:.3s;border:1px solid #e5e8e0}.card:hover{transform:translateY(-9px);box-shadow:0 25px 45px #082b2519}.card .num{color:#b69756;font-size:12px;letter-spacing:.2em}.card h3{font:800 27px Manrope;letter-spacing:-.04em;margin:60px 0 13px}.card p{font-size:14px;line-height:1.7}.card .more{margin-top:auto;color:#936d27;font-size:12px;font-weight:800;letter-spacing:.1em}.spotlight{background:var(--deep);color:#fff}.spotlight p{color:#d2ded6}.spotlight .feature{background:#174638;color:#fff;border:1px solid #c5aa694d}.spotlight .feature p{color:#d7e2d9}.stat{font-size:13px;color:#9caa9f}.career{background:#f6f2e8}.contact{background:#e6e8dd}.contactways{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:35px}.way{padding:28px;background:#fff;min-height:130px;display:flex;flex-direction:column;justify-content:space-between;font-weight:800;transition:.2s}.way:hover{background:var(--gold);transform:translateY(-3px)}.way small{color:#788278;font-size:11px;letter-spacing:.12em}.foot{background:#082b25;color:#fff;padding:48px 0}.footin{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}.foot small{color:#b7c5bb}.foot a{margin-right:18px}.wa-float{position:fixed;bottom:22px;right:22px;z-index:25;border-radius:50px;background:#25d366;color:#073f23;padding:17px 22px;font-weight:800;box-shadow:0 8px 32px #0004}.fine{font-size:12px!important;opacity:.75}.calculator{background:white;padding:35px;border:1px solid #ddd8cb;box-shadow:0 20px 50px #082b2510}.calcgrid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.calculator label{display:block;font-size:13px;font-weight:800}.calculator input{width:100%;margin-top:10px;accent-color:#0b3a30}.result{margin-top:30px;background:#0b3a30;color:white;padding:28px}.result strong{font:800 44px Manrope;color:#d9b76d}.result p{color:#e5ece6}.external{display:inline-block;margin-top:20px;color:#936d27;text-decoration:underline}.notice{background:#f1e5c9;padding:18px 22px;font-size:12px;line-height:1.6;margin-top:20px}.instagram-disabled{opacity:.65;cursor:default}.divider{height:1px;background:#ddd9cd;margin:40px 0}@media(max-width:850px){.wrap{width:min(100% - 34px,1200px)}.links{display:none;position:absolute;top:88px;left:0;right:0;background:#082b25;padding:25px;flex-direction:column;align-items:start}.links.open{display:flex}.menu{display:block;background:none;color:#fff;border:1px solid #ffffff60;padding:10px 14px}.heroin,.split{grid-template-columns:1fr;gap:35px}.heroin{padding:55px 0}.hero-art{min-height:380px}.art-card{height:360px}.floating{right:0}.section{padding:70px 0}.cards,.contactways{grid-template-columns:1fr}.sectionhead{display:block}.card{min-height:240px}.card h3{margin:30px 0 13px}.calcgrid{grid-template-columns:1fr}.ticker div{font-size:9px;gap:10px;flex-wrap:wrap}.brand img{width:125px}.brand{padding:5px 9px}}
/* V5: editorial navy and champagne redesign */
:root{--deep:#101e30;--forest:#1b2d43;--cream:#faf9f6;--gold:#c7a981;--ink:#1a2736}
body{background:#faf9f6;color:#1a2736}
.nav{background:rgba(15,27,43,.97)}.links{color:#f7f7f5}.links a:hover{color:#e3c8a6}.navbtn{border-color:#8d9aaa}
.brand{background:#f8f5ee;border-radius:2px;border:1px solid #e9e3d9}
.hero{background:radial-gradient(circle at 85% 30%,#273b55 0%,#14263b 48%,#0b1726 100%)}
.hero:before{color:#ffffff04}.hero p{color:#d6dce3}.eyebrow,.kicker{color:#b38b62} .hero .eyebrow{color:#e1c5a0}
h1 em,h2 em{color:#c6a581}.hero h1{font-size:clamp(48px,5.4vw,80px)}
.btn.gold{background:#e1c5a0;color:#142335}.btn.outline{border-color:#9eabb9}.btn.dark{background:#15263a}
.heroin{grid-template-columns:1fr 1fr;gap:65px;min-height:720px}
.hero-art{min-height:570px}.art-card.portrait-card{height:565px;width:88%;overflow:hidden;background:#2c3945;border:1px solid #bca484;box-shadow:22px 22px 0 #c6a5811a}
.art-card.portrait-card:before{inset:13px;border-color:#ffffff55;z-index:1;pointer-events:none}
.art-card.portrait-card img{width:100%;height:100%;max-height:none;object-fit:cover;object-position:center 22%;filter:none}
.floating{background:#e1c5a0;color:#142335;right:-2px;bottom:0}
.ticker{background:#e8e0d5;color:#263346}.ticker div{padding:17px 0}
.section{padding:105px 0}.section p{color:#586473}.service{background:#f0f2f4}
.feature{border-color:#e7e9ec;box-shadow:0 20px 70px #1423350c}.feature strong{color:#bca484}
.about-photo{position:relative;height:490px;overflow:hidden;background:#d5d4d0;box-shadow:0 22px 65px #0b17261a}
.about-photo img{height:100%;width:100%;object-fit:cover;object-position:center 39%}
.photo-label{position:absolute;bottom:0;left:0;right:0;background:#15263ae6;color:white;font-size:11px;letter-spacing:.18em;font-weight:800;padding:22px}
.card{border-color:#e4e7ea}.card .num,.card .more{color:#997954}.card:hover{box-shadow:0 25px 45px #14233517}
.spotlight{background:#15263a}.spotlight .feature{background:#233951;border-color:#536378}.spotlight p,.spotlight .feature p{color:#d5dce3}
.career{background:#faf9f6}.contact{background:#e9edf0}.way:hover{background:#e1c5a0}
.foot{background:#101e30}.foot small{color:#bbc5cf}.result{background:#1b2d43}.result strong{color:#e1c5a0}.calculator input{accent-color:#1b2d43}
.wa-float{background:#25d366;color:#0a3422}
@media(max-width:850px){.links{background:#101e30}.heroin{grid-template-columns:1fr;min-height:auto}.hero-art{min-height:430px}.art-card.portrait-card{height:420px;width:82%}.about-photo{height:410px}}

/* V6: coherent emerald / ivory identity, no navy */
:root{--deep:#082e27;--forest:#124639;--cream:#faf9f5;--gold:#d5b779;--ink:#16372e}
body{background:#faf9f5;color:#16372e}
.nav{background:rgba(8,46,39,.98)}.links{color:#f8f7f1}.links a:hover{color:#d5b779}.navbtn{border-color:#a7b9ac}
.hero{background:radial-gradient(circle at 83% 30%,#1c5848 0%,#103d33 48%,#082b25 100%)}
.hero p{color:#dce9e2}.hero .eyebrow{color:#e1c78f}h1 em,h2 em{color:#d1ad67}
.btn.gold{background:#e2c98d;color:#12372e}.btn.outline{border-color:#a9c3b5}.btn.dark{background:#103d33}
.art-card.portrait-card{background:#1b473b;border-color:#d2b67b;box-shadow:22px 22px 0 #d1b77822}
.floating{background:#e2c98d;color:#12372e}.ticker{background:#e5eadf;color:#183d32}
.section p{color:#586c60}.service{background:#edf1e9}.feature{border-color:#e0e7de;box-shadow:0 20px 70px #082b2510}.feature strong{color:#b79b63}
.about-photo{box-shadow:0 22px 65px #082b251a}.photo-label{background:#103d33eb}
.card{border-color:#dce6dd}.card .num,.card .more{color:#987c48}.card:hover{box-shadow:0 25px 45px #082b2517}
.spotlight{background:#0b342b}.spotlight .feature{background:#17483b;border-color:#668c78}.spotlight p,.spotlight .feature p{color:#dce9e2}
.career{background:#faf9f5}.contact{background:#e7eee6}.way:hover{background:#e2c98d}
.foot{background:#082e27}.foot small{color:#c3d6ca}.result{background:#124639}.result strong{color:#e2c98d}.calculator input{accent-color:#124639}
@media(max-width:850px){.links{background:#082e27}}

/* V9: insurance services editorial grid */
.insurance-section{background:#faf9f5}.insurance-intro{display:grid;grid-template-columns:1.4fr 1fr;gap:70px;align-items:end;margin-bottom:46px}.insurance-intro p{max-width:430px}.insurance-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.insurance-item{background:#fff;border:1px solid #dce5da;padding:32px;min-height:285px;display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}.insurance-item:hover{transform:translateY(-5px);box-shadow:0 20px 35px #082e2714;border-color:#b7cbb9}.insurance-top{display:flex;justify-content:space-between;align-items:center;color:#a48b58}.insurance-index{font-size:12px;letter-spacing:.14em;font-weight:800}.insurance-mark{font-size:24px}.insurance-item h3{font-size:22px;line-height:1.22;margin:25px 0 10px;color:#103d33}.insurance-item p{font-size:14px;line-height:1.7;margin:0 0 24px;color:#596c61}.insurance-item a{margin-top:auto;align-self:flex-start;color:#124639;font-weight:800;text-decoration:none;border-bottom:1px solid #bba371;padding-bottom:6px;font-size:13px}.insurance-item a:hover{color:#987c48}.insurance-bottom{display:flex;justify-content:space-between;align-items:center;gap:36px;margin-top:32px}.insurance-bottom p{font-size:13px;max-width:650px}.insurance-bottom .btn{white-space:nowrap}@media(max-width:1000px){.insurance-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:650px){.insurance-intro{grid-template-columns:1fr;gap:12px}.insurance-grid{grid-template-columns:1fr}.insurance-item{min-height:235px;padding:25px}.insurance-bottom{flex-direction:column;align-items:flex-start}.insurance-bottom .btn{white-space:normal}}

/* V10 – Investments */
.investments-section{background:#f3f3ec;color:#102e26}.investment-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:38px}.investment-tile{background:#fff;border:1px solid rgba(11,52,42,.13);padding:34px;min-height:330px;display:flex;flex-direction:column;gap:18px;transition:transform .2s ease,box-shadow .2s ease}.investment-tile:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(5,35,27,.1)}.investment-tile h3{font-size:clamp(23px,2.2vw,32px);line-height:1.2;margin:0}.investment-tile p{margin:0;line-height:1.65}.investment-tile a{margin-top:auto;color:#10513d;font-weight:800;text-decoration:underline;text-underline-offset:6px}.halal-tile{background:#103f33;color:#fff}.halal-tile a{color:#e6c98e}.halal-pill{border:1px solid #d8b875;color:#e6c98e;border-radius:99px;padding:5px 12px;align-self:flex-start;font-size:11px;letter-spacing:.14em}.tile-note{font-size:13px;opacity:.8}.halal-hero{background:#0b3028;color:#fff;padding:110px 0}.halal-hero h1{font-size:clamp(44px,7vw,94px);line-height:1.08;margin:22px 0}.halal-hero em{color:#d9bc80}.halal-lead{font-size:clamp(17px,2vw,23px);max-width:720px;line-height:1.6;margin-bottom:32px}@media(max-width:850px){.investment-grid{grid-template-columns:1fr}.investment-tile{min-height:unset}.halal-hero{padding:65px 0}}

/* V11: einheitliche Angebotswelt */
.insurance-section .investments-section{padding:65px 0 0;background:transparent}
.insurance-section .investment-grid{margin-top:28px}
.insurance-section .investment-tile{border:1px solid rgba(19,67,53,.13)}
.check-shell{max-width:1040px;margin:0 auto;padding:60px 24px 100px}
.check-panel{background:#fff;border:1px solid #d9e3dc;border-radius:22px;padding:32px;box-shadow:0 18px 45px rgba(0,0,0,.06)}
.check-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.check-grid label{display:flex;flex-direction:column;gap:9px;font-weight:650;color:#173c30}
.check-grid input,.check-grid select{padding:13px;border:1px solid #b9c9c0;border-radius:10px;font:inherit;width:100%;background:white;color:#143a2f}
.check-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:25px;align-items:center}
.check-result{display:none;margin-top:24px;padding:24px;border-radius:14px;background:#e9f1eb;color:#153b30}
.check-result.show{display:block}
@media(max-width:680px){.check-grid{grid-template-columns:1fr}.check-panel{padding:20px}}