/* ===========================================================
   Insurance Detail (firmenvers/*)
   Nur Karten haben Glasoptik – restlicher Inhalt transparent
   + Voll responsive (Tablet/Mobile/iOS)
   =========================================================== */
:root{
  --primary-dark:#001F30;
  --primary-light:#00334E;
  --accent:#F5A623;
  --text:#ffffff;
  --muted: rgba(255,255,255,.85);
  --radius:.75rem;
  --wrap:max(60ch, min(96vw, 1100px));
}

/* --------------------------------------------
   Globaler Seitenhintergrund (sichtbar lassen)
   -------------------------------------------- */
.site-bg,
.site-bg-overlay{ display:block !important; }
.site-bg{
  position: fixed; inset: 0;
  background-position:center; background-size:cover; background-repeat:no-repeat;
  z-index: 0; transform: translateZ(0);
}
.site-bg-overlay{
  position: fixed; inset: 0;
  z-index: 1; pointer-events:none;
}

/* --------------------------------------------
   Stacking: Inhalt sicher über dem Overlay
   -------------------------------------------- */
header.main-nav,
body.has-fixed-header main,
.insd-hero,
.insd-section,
.insd-grid,
.insd-card,
.insd-media{
  position: relative;
  z-index: 2; /* > site-bg-overlay (1) */
}
body.has-fixed-header main{ isolation:isolate; }

/* --------------------------------------------
   HERO – transparent (keine Fläche)
   -------------------------------------------- */
.insd-hero{
  padding: calc(1rem + 80px) 0 1.75rem;
  background: transparent !important;
  box-shadow:none !important;
}
@supports(padding:env(safe-area-inset-top)){
  .insd-hero{ padding-top: calc(1rem + 80px + env(safe-area-inset-top)); }
}
.insd-hero__inner{ width: var(--wrap); margin: 0 auto; padding: 0 18px; }

.insd-breadcrumb{
  font-size:.9rem; opacity:.85; margin: 0 0 .5rem;
  overflow-wrap:anywhere;
}
.insd-breadcrumb a{ color:#b9dcff; text-decoration:none; }
.insd-breadcrumb a:hover{ text-decoration:underline; }

.insd-title{
  display:flex; align-items:center; gap:.75rem;
  margin:.2rem 0 .25rem;
  font-size: clamp(1.6rem, 3.6vw, 2.3rem);
  font-weight: 900;
  color: var(--text);
  text-shadow: 0 2px 10px rgba(0,0,0,.25);
}
.insd-badge{
  font-size:.85rem; font-weight:800;
  background:#fff; color:#0b2a42;
  border:1px solid rgba(0,0,0,.06);
  border-radius:999px; padding:.25rem .6rem;
}
.insd-lead{
  margin:.35rem 0 0; line-height:1.65; opacity:.95; max-width: 75ch;
  color: var(--text);
}

/* --------------------------------------------
   SECTION – transparent; Grid-Layout
   -------------------------------------------- */
.insd-section{
  width: var(--wrap);
  margin: 0 auto;
  padding: 1rem 18px 2.2rem;
  display:grid; gap: clamp(1rem, 2vw, 1.5rem);
  grid-template-columns: minmax(0,1fr);
  background: transparent !important;
  box-shadow: none !important;
}
.insd-section::before,
.insd-section::after{ content:none !important; }

.insd-grid{
  display:grid; gap: clamp(1rem,2vw,1.5rem);
  grid-template-columns: 1.2fr .8fr;
  align-items:start;
}

/* --------------------------------------------
   KARTEN – einzige Fläche (Glas)
   -------------------------------------------- */
.insd-card{
  background: linear-gradient(180deg, rgba(255,255,255,.10), rgba(255,255,255,.06));
  border: 1px solid rgba(255,255,255,.28);
  border-radius: var(--radius);
  padding: clamp(14px, 2vw, 20px);
  color: var(--text);
  backdrop-filter: blur(10px) saturate(140%);
  -webkit-backdrop-filter: blur(10px) saturate(140%);
  background-clip: padding-box;              /* iOS */
  -webkit-background-clip: padding-box;      /* iOS */
  box-shadow: 0 16px 40px rgba(0,0,0,.28);
  transform: translateZ(0);                  /* iOS Perf-Fix */
}
.insd-card h2{ font-size:1.2rem; margin:.1rem 0 .6rem; }
.insd-card ul{
  margin:.25rem 0 0; padding-left: 1.15rem;
  display:grid; gap:.4rem;
}
.insd-card li{ line-height:1.55; color: var(--muted); }
.insd-meta{ display:grid; gap:.4rem; color: var(--muted); }
.insd-meta .row{ display:flex; gap:.5rem .75rem; flex-wrap:wrap; }

.insd-cta{
  display:flex; flex-wrap:wrap; gap:.6rem .8rem;
  margin-top: .5rem;
}
.insd-btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:.75rem 1.05rem; border-radius:.6rem;
  text-decoration:none; font-weight:800; border:0;
}
.insd-btn--primary{ background: var(--accent); color:#121212; }
.insd-btn--ghost{
  color:#fff; background: rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.22);
}
.insd-btn--ghost:hover{ background: rgba(255,255,255,.16); }

/* --------------------------------------------
   MEDIA – responsive
   -------------------------------------------- */
.insd-media{
  border-radius: var(--radius); overflow:hidden;
  background: rgba(0,0,0,.25);
  border: 1px solid rgba(255,255,255,.18);
  min-height: 240px;
}
.insd-media img{
  display:block; width:100%; height:auto; object-fit:cover;
}

/* Kleine Thumbs optional */
.insd-thumbs{ display:flex; gap:.5rem; margin-top:.6rem; flex-wrap:wrap; }
.insd-thumbs img{
  width:80px; height:60px; object-fit:cover; border-radius:.4rem;
  border:1px solid rgba(255,255,255,.22);
}

/* Back-Link */
.insd-back{
  width: var(--wrap); margin: 0 auto 2rem; padding: 0 18px;
  opacity:.9; color: var(--text);
}
.insd-back a{ color:#b9dcff; text-decoration:none; }
.insd-back a:hover{ text-decoration:underline; }

/* Spacings */
.insd-hero{ margin-bottom: .25rem; }
.insd-section{ margin: .5rem auto 2.25rem; }

/* =========================================================
   RESPONSIVE / MOBILE COMPATIBILITY
   ========================================================= */

/* Tablet quer (<= 1024px): etwas schmalere Wraps */
@media (max-width: 1024px){
  :root{ --wrap: min(94vw, 920px); }
  .insd-hero__inner,
  .insd-section{ padding-left: 16px; padding-right: 16px; }
  .insd-grid{ grid-template-columns: 1fr 1fr; }
}

/* Tablet hoch & große Phones (<= 960px): 1 Spalte, Buttons größer */
@media (max-width: 960px){
  :root{ --wrap: min(94vw, 820px); }
  .insd-grid{ grid-template-columns: 1fr; }
  .insd-media{ min-height: 220px; }
  .insd-btn{ padding:.85rem 1.1rem; }
}

/* Phones (<= 768px): Typo/Padding anpassen, Buttons ggf. full width */
@media (max-width: 768px){
  :root{ --wrap: 94vw; }

  .insd-hero{
    padding-top: calc(.6rem + 80px);
    padding-bottom: 1.25rem;
  }
  .insd-title{
    font-size: clamp(1.45rem, 5.8vw, 1.9rem);
    gap:.6rem;
  }
  .insd-lead{ font-size: 1rem; }

  .insd-section{
    padding-left: 14px; padding-right: 14px;
    gap: 1rem;
  }

  .insd-card{
    padding: 14px;
    min-height: auto;
    box-shadow: 0 12px 28px rgba(0,0,0,.28);
  }
  .insd-card h2{ font-size: 1.05rem; }
  .insd-card ul{ gap:.35rem; }
  .insd-card li{ line-height: 1.5; }

  .insd-cta{ gap:.55rem .7rem; }
  .insd-btn{ flex:1 1 auto; min-width: 44%; }  /* zwei nebeneinander */
}

/* Kleine Phones (<= 480px): max Kompaktheit & Performance */
@media (max-width: 480px){
  .insd-hero__inner,
  .insd-section{ padding-left: 12px; padding-right: 12px; }

  .insd-title{ font-size: 1.4rem; }
  .insd-badge{ font-size:.8rem; }

  .insd-card{
    padding: 12px;
    backdrop-filter: blur(8px) saturate(140%);
    -webkit-backdrop-filter: blur(8px) saturate(140%);
  }

  .insd-cta{ gap:.5rem; }
  .insd-btn{ width:100%; min-width: 100%; }   /* volle Breite stacked */
  .insd-media{ min-height: 200px; }

  .insd-thumbs img{ width:64px; height:48px; }
}

/* Motion-Reduce: weniger schwere Effekte */
@media (prefers-reduced-motion: reduce){
  .insd-card{ transition: none; }
}
header.main-nav { z-index: 1000 }
}