/*
Theme Name: finanXpats
Theme URI: https://www.finanxpats.com
Author: von Nessen OHG
Description: Custom theme for finanXpats – Insurance & Finance. Made for Expats. Guides, calculators, booking window and request forms.
Version: 2.1.0
Requires at least: 6.4
Requires PHP: 8.0
Text Domain: finanxpats
License: Proprietary
*/

:root {
  --fx-bg: #FFFFFF;
  --fx-surface: #F6F8FB;
  --fx-card: #FFFFFF;
  --fx-fg: #0B1626;
  --fx-muted: #4A5A70;
  --fx-line: #E1E7F0;
  --fx-accent: #04469A;
  --fx-accent-dark: #022E66;
  --fx-accent-soft: #EAF1FB;
  --fx-on-accent: #FFFFFF;
  --fx-good: #11704A;
  --fx-good-soft: #E5F4EC;
  --fx-warn: #8A4B08;
  --fx-warn-soft: #FCF0DE;
  --fx-font: "Plus Jakarta Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --fx-radius: 22px;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--fx-bg); color: var(--fx-fg); font-family: var(--fx-font); font-size: 17px; line-height: 1.7; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--fx-accent); text-underline-offset: 3px; }
a:hover { color: var(--fx-accent-dark); }
:focus-visible { outline: 3px solid var(--fx-accent); outline-offset: 2px; }
h1, h2, h3, h4 { font-family: var(--fx-font); text-wrap: balance; letter-spacing: -0.02em; line-height: 1.15; margin: 0; }
p { margin: 0; }
.fx-wrap { max-width: 1160px; margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
.fx-num, table { font-variant-numeric: tabular-nums; }
.screen-reader-text { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.fx-skip { position: absolute; left: -9999px; top: 8px; background: var(--fx-accent); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.fx-skip:focus { left: 8px; }

/* ---------- Buttons ---------- */
.fx-btn, .wp-block-button__link { display: inline-flex; align-items: center; justify-content: center; gap: 8px; background: var(--fx-accent); color: var(--fx-on-accent); text-decoration: none; font-weight: 700; font-size: 15px; padding: 13px 22px; border-radius: 999px; min-height: 44px; border: 0; cursor: pointer; font-family: inherit; line-height: 1.2; }
.fx-btn:hover, .wp-block-button__link:hover { background: var(--fx-accent-dark); color: var(--fx-on-accent); }
.fx-btn--ghost { background: transparent; color: var(--fx-fg); border: 1px solid #C9D4E4; }
.fx-btn--ghost:hover { background: var(--fx-surface); color: var(--fx-fg); }
.fx-btn--white { background: #fff; color: var(--fx-accent); }
.fx-btn--white:hover { background: var(--fx-accent-soft); color: var(--fx-accent); }

/* ---------- Header ---------- */
.fx-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, 0.95); backdrop-filter: blur(12px); border-bottom: 1px solid var(--fx-line); }
.admin-bar .fx-header { top: 32px; }
.fx-header__in { display: flex; align-items: center; justify-content: space-between; gap: 12px 22px; padding-block: 14px; flex-wrap: wrap; max-width: 1440px; }
.fx-logo { flex: none; }
.fx-logo img { height: 32px; width: auto; }
.fx-nav ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: nowrap; align-items: center; gap: 2px; }
.fx-nav li { white-space: nowrap; }
.fx-nav a { display: block; color: var(--fx-fg); text-decoration: none; font-size: 14.5px; font-weight: 600; padding: 8px 10px; border-radius: 999px; transition: background-color 0.15s ease, color 0.15s ease; }
@media (min-width: 1420px) {
  .fx-nav li + li { position: relative; }
  .fx-nav li + li::before { content: ""; position: absolute; left: -1px; top: 50%; width: 1px; height: 16px; margin-top: -8px; background: var(--fx-line); }
}
.fx-nav a:hover { color: var(--fx-accent); background: var(--fx-accent-soft); }
.fx-nav .current-menu-item > a, .fx-nav .current-menu-ancestor > a, .fx-nav .current-page-ancestor > a { color: var(--fx-accent); background: var(--fx-accent-soft); }
.fx-header__right { display: flex; align-items: center; gap: 14px; flex: none; }
.fx-lang { display: flex; gap: 10px; list-style: none; margin: 0; padding: 0; font-size: 14px; font-weight: 700; }
.fx-lang a { color: var(--fx-muted); text-decoration: none; }
.fx-lang .current-lang a { color: var(--fx-accent); }
.fx-menu-toggle { display: none; background: none; border: 1px solid var(--fx-line); border-radius: 12px; min-height: 44px; min-width: 44px; cursor: pointer; }
@media (max-width: 1419px) {
  .fx-menu-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .fx-nav { display: none; width: 100%; order: 3; }
  .fx-nav.is-open { display: block; }
  .fx-nav ul { flex-direction: column; gap: 0; }
  .fx-nav li { white-space: normal; }
  .fx-nav a { display: block; font-size: 16px; border-radius: 0; padding: 12px 0; border-top: 1px solid var(--fx-line); }
  .fx-header__right { order: 1; margin-left: auto; }
  .fx-menu-toggle { order: 2; }
}
@media (max-width: 600px) { .fx-header__right .fx-btn { display: none; } }

/* ---------- Sections ---------- */
.fx-section { padding-block: 80px; }
.fx-section + .fx-section { padding-top: 0; }
.fx-section + .fx-section > .fx-wrap { padding-top: 72px; background-image: linear-gradient(var(--fx-line), var(--fx-line)); background-size: calc(100% - 32px) 1px; background-position: center top; background-repeat: no-repeat; }
.fx-section--surface { background: transparent; }
.fx-section h2 { font-size: clamp(28px, 3.6vw, 40px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.15; }
.fx-eyebrow { font-size: 13px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: var(--fx-accent); }
.fx-lead { font-size: 19px; color: var(--fx-muted); }
.fx-muted { color: var(--fx-muted); }

/* ---------- Front page ---------- */
.fx-hero__in { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr); gap: 64px; align-items: center; padding-block: 96px 104px; }
@media (max-width: 900px) { .fx-hero__in { grid-template-columns: minmax(0, 1fr); padding-block: 56px; gap: 40px; } }
.fx-hero h1 { font-size: clamp(40px, 6vw, 68px); line-height: 1.02; font-weight: 800; letter-spacing: -0.035em; }
.fx-hero__txt { display: flex; flex-direction: column; gap: 26px; }
.fx-hero__img img { width: 100%; aspect-ratio: 4 / 4.8; object-fit: cover; object-position: 50% 20%; border-radius: 32px; }
/* Blog post banner */
.fx-banner { margin: 0 0 8px; }
.fx-banner img { width: 100%; height: auto; aspect-ratio: 1200 / 630; object-fit: cover; border-radius: 20px; }

/* Home video */
.fx-hero--wide .fx-hero__in { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
@media (max-width: 900px) { .fx-hero--wide .fx-hero__in { grid-template-columns: minmax(0, 1fr); } }
.fx-video { position: relative; border-radius: 32px; overflow: hidden; background: #0B1B33; aspect-ratio: 4 / 5; }
.fx-video--16-9 { aspect-ratio: 16 / 9; }
.fx-video--9-16 { aspect-ratio: 9 / 16; max-height: 640px; margin-inline: auto; width: auto; height: min(640px, 80vh); }
.fx-video img, .fx-video video, .fx-video iframe { position: absolute; inset: 0; width: 100%; height: 100%; aspect-ratio: auto; border: 0; border-radius: 0; object-fit: cover; }
.fx-video video { object-fit: contain; background: #000; }
.fx-video__play { position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%); display: inline-flex; align-items: center; gap: 12px; background: rgba(255, 255, 255, 0.95); color: var(--fx-fg); border: 0; border-radius: 999px; padding: 10px 22px 10px 10px; font: inherit; font-weight: 700; font-size: 16px; white-space: nowrap; cursor: pointer; box-shadow: 0 10px 30px rgba(2, 46, 102, 0.25); }
.fx-video__play:hover { background: #fff; }
.fx-video--9-16 .fx-video__play { top: 70%; }
.fx-video--embed { width: 100%; border-radius: 20px; margin-block: 8px; background: linear-gradient(135deg, #04469A, #022E66); }
.wp-block-embed__wrapper:has(.fx-video--embed)::before { display: none !important; }
.fx-video__ph { position: absolute; left: 24px; right: 24px; top: 22px; color: #fff; font-weight: 700; font-size: 17px; line-height: 1.35; }
.fx-video__icon { width: 48px; height: 48px; border-radius: 50%; background: var(--fx-accent); color: #fff; display: inline-flex; align-items: center; justify-content: center; }
.fx-video__note { position: absolute; left: 0; right: 0; bottom: 0; padding: 28px 16px 12px; background: linear-gradient(transparent, rgba(2, 20, 46, 0.75)); font-size: 12px; color: #fff; text-align: center; text-shadow: 0 1px 4px rgba(0, 0, 0, 0.6); }
.fx-video__note a { color: #fff; }
.fx-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.fx-facts { display: flex; flex-wrap: wrap; gap: 24px 40px; padding-top: 28px; border-top: 1px solid var(--fx-line); }
.fx-facts .v { font-size: 26px; font-weight: 800; letter-spacing: -0.02em; }
.fx-facts .l { font-size: 14px; color: var(--fx-muted); }
.fx-sechead { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 12px 40px; }
.fx-sechead > div { display: flex; flex-direction: column; gap: 12px; max-width: 720px; }
.fx-sechead p { max-width: 360px; margin: 0; }
.fx-topics { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 250px), 1fr)); gap: 16px; margin-top: 40px; }
.fx-topic { color: var(--fx-fg); background: var(--fx-card); border: 1px solid var(--fx-line); border-radius: 20px; padding: 26px 24px; display: flex; flex-direction: column; gap: 10px; transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.fx-topic:hover { border-color: #BFD0EA; box-shadow: 0 10px 30px rgba(11, 22, 38, 0.06); }
.fx-topic__icon { width: 44px; height: 44px; border-radius: 12px; background: var(--fx-accent-soft); color: var(--fx-accent); display: inline-flex; align-items: center; justify-content: center; margin-bottom: 6px; }
.fx-topic__title { font-size: 20px; font-weight: 800; letter-spacing: -0.01em; color: var(--fx-fg); text-decoration: none; }
.fx-topic__title:hover { color: var(--fx-accent); }
.fx-topic__title::after { content: "\00a0→"; color: var(--fx-accent); }
.fx-topic span.d { color: var(--fx-muted); font-size: 15px; line-height: 1.55; }
.fx-topic__links { list-style: none; margin: 8px 0 0; padding: 12px 0 0; border-top: 1px solid var(--fx-line); display: flex; flex-direction: column; gap: 2px; }
.fx-topic__links a { display: block; font-size: 15px; font-weight: 600; color: var(--fx-fg); text-decoration: none; padding: 5px 0 5px 16px; text-indent: -16px; }
.fx-topic__links a::before { content: "›"; color: var(--fx-accent); font-weight: 800; margin-right: 8px; }
.fx-topic__links a:hover { color: var(--fx-accent); }
.fx-tools { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin-top: 24px; padding: 18px 20px; border-radius: 18px; background: var(--fx-accent-soft); }
.fx-tools__label { font-size: 13px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: var(--fx-accent); margin-right: 8px; }
.fx-tool { font-size: 15px; font-weight: 600; color: var(--fx-accent); background: #fff; border-radius: 999px; padding: 8px 16px; text-decoration: none; border: 1px solid #D5E2F4; }
.fx-tool:hover { border-color: var(--fx-accent); }
.fx-panel { border: 1px solid var(--fx-line); border-radius: 28px; padding: 40px; }
@media (max-width: 560px) { .fx-panel { padding: 20px; } }
.fx-split { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: 48px 80px; }
@media (max-width: 900px) { .fx-split { grid-template-columns: minmax(0, 1fr); } }
.fx-steplist { list-style: none; margin: 0; padding: 0; }
.fx-steplist li { border-top: 1px solid var(--fx-line); }
.fx-steplist li:last-child { border-bottom: 1px solid var(--fx-line); }
.fx-steplist a { display: grid; grid-template-columns: 40px minmax(0, 1fr); gap: 16px; padding: 22px 0; text-decoration: none; color: var(--fx-fg); }
.fx-steplist .n { font-weight: 800; color: var(--fx-accent); font-size: 15px; }
.fx-steplist strong { display: block; font-size: 19px; }
.fx-steplist .d { font-size: 16px; color: var(--fx-muted); }
.fx-about { display: grid; grid-template-columns: minmax(0, 0.6fr) minmax(0, 1.4fr); gap: 32px 56px; align-items: center; }
@media (max-width: 900px) { .fx-about { grid-template-columns: minmax(0, 1fr); } }
.fx-about img { width: 100%; max-width: 360px; aspect-ratio: 1 / 1.1; object-fit: cover; object-position: 60% 30%; border-radius: 22px; }
.fx-checks { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.fx-checks li { display: flex; gap: 14px; }
.fx-checks li::before { content: ""; flex: none; width: 22px; height: 22px; margin-top: 3px; background: no-repeat center / contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2304469A' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E"); }
.fx-reviews { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 440px), 1fr)); gap: 20px; }
.fx-review { margin: 0; background: var(--fx-card); border: 1px solid var(--fx-line); border-radius: 20px; padding: 28px; display: flex; flex-direction: column; gap: 14px; }
.fx-review blockquote { margin: 0; font-size: 18px; }
.fx-review figcaption { font-size: 14px; color: var(--fx-muted); }
.fx-contact { background: var(--fx-accent); color: var(--fx-on-accent); border-radius: 36px; padding: 72px 56px; display: flex; flex-direction: column; align-items: center; gap: 18px; text-align: center; }
@media (max-width: 560px) { .fx-contact { padding: 40px 24px; } }
.fx-contact h2 { color: #fff; }
.fx-contact p { color: #DCE6F5; font-size: 19px; }
.fx-contact .fx-btn--ghost { color: #fff; border-color: rgba(255, 255, 255, 0.55); }
.fx-contact .fx-btn--ghost:hover { background: rgba(255, 255, 255, 0.1); }

/* ---------- Footer ---------- */
.fx-footer { border-top: 1px solid var(--fx-line); font-size: 15px; color: var(--fx-muted); margin-top: 0; }
.fx-footer__cols { display: flex; flex-wrap: wrap; gap: 40px; padding-block: 64px 40px; }
.fx-footer__brand { flex: 2 1 280px; display: flex; flex-direction: column; gap: 14px; }
.fx-footer__brand img { height: 28px; width: auto; align-self: flex-start; }
.fx-footer__col { flex: 1 1 160px; }
.fx-footer__col h3 { font-size: 15px; color: var(--fx-fg); margin-bottom: 10px; letter-spacing: 0; }
.fx-footer__col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.fx-footer__col a, .fx-footer__bottom a { color: var(--fx-muted); text-decoration: none; }
.fx-footer__col a:hover, .fx-footer__bottom a:hover { color: var(--fx-accent); }
.fx-footer__bottom { border-top: 1px solid var(--fx-line); padding-block: 24px 32px; display: flex; flex-wrap: wrap; gap: 8px 24px; justify-content: space-between; font-size: 13px; }
.fx-footer__bottom ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 18px; }

/* ---------- Guide / article template ---------- */
.fx-crumbs { font-size: 14px; color: var(--fx-muted); padding-top: 24px; }
.fx-crumbs a { color: var(--fx-muted); }
.fx-head { padding-block: 24px 40px; display: flex; flex-direction: column; gap: 18px; }
.fx-head h1 { font-size: clamp(32px, 5vw, 52px); line-height: 1.08; font-weight: 800; max-width: 880px; }
.fx-meta { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; font-size: 14px; color: var(--fx-muted); }
.fx-meta img { width: 40px; height: 40px; border-radius: 999px; object-fit: cover; object-position: 50% 25%; }
.fx-meta strong { color: var(--fx-fg); }
.fx-layout { display: grid; grid-template-columns: minmax(0, 1fr) 280px; gap: 56px; align-items: start; padding-bottom: 80px; }
@media (max-width: 980px) { .fx-layout { grid-template-columns: minmax(0, 1fr); } .fx-side { display: none; } }
.fx-content { min-width: 0; max-width: 760px; display: flex; flex-direction: column; gap: 26px; }
.fx-content > * { margin: 0 !important; }
.fx-content h2 { font-size: 30px; font-weight: 800; padding-top: 24px; scroll-margin-top: 96px; }
.fx-content h3 { font-size: 20px; font-weight: 700; }
.fx-content ul, .fx-content ol { padding-left: 22px; display: flex; flex-direction: column; gap: 8px; }
.fx-side { position: sticky; top: 96px; display: flex; flex-direction: column; gap: 20px; }
.fx-toc { border-left: 2px solid var(--fx-line); padding-left: 18px; display: flex; flex-direction: column; gap: 8px; font-size: 14px; }
.fx-toc .t { font-weight: 800; font-size: 13px; letter-spacing: 0.06em; color: var(--fx-muted); }
.fx-toc a { color: var(--fx-fg); text-decoration: none; line-height: 1.4; }
.fx-toc a:hover { color: var(--fx-accent); }
.fx-sidecta { border-radius: 20px; background: var(--fx-surface); padding: 20px; display: flex; flex-direction: column; gap: 10px; font-size: 14px; }
.fx-sidecta strong { font-size: 16px; }

/* Classic themes wrap group content in an inner container; let our groups lay out their blocks directly. */
.fx-answer > .wp-block-group__inner-container, .fx-keys > .wp-block-group__inner-container, .fx-key > .wp-block-group__inner-container, .fx-callout > .wp-block-group__inner-container, .fx-sources > .wp-block-group__inner-container { display: contents; }
.fx-content .wp-block-group p { margin: 0; }

/* Blocks styled by class name (set in the editor under "Advanced > Additional CSS class") */
.fx-answer { background: var(--fx-accent-soft); border-radius: 20px; padding: 24px 26px; display: flex; flex-direction: column; gap: 10px; }
.fx-answer p:first-child { font-size: 13px; font-weight: 800; letter-spacing: 0.06em; color: var(--fx-accent); }
.fx-answer p { font-size: 18px; }
.fx-keys { display: grid !important; grid-template-columns: repeat(auto-fit, minmax(min(100%, 165px), 1fr)); gap: 12px; }
.fx-key { border: 1px solid var(--fx-line); border-radius: 18px; padding: 18px 20px; display: flex; flex-direction: column; gap: 2px; }
.fx-key p:nth-child(1) { font-size: 13px; font-weight: 700; color: var(--fx-muted); }
.fx-key p:nth-child(2) { font-size: 21px; font-weight: 800; letter-spacing: -0.02em; line-height: 1.3; overflow-wrap: anywhere; }
.fx-key p:nth-child(3) { font-size: 13px; color: var(--fx-muted); }
.fx-key.is-highlight { border: 2px solid var(--fx-accent); }
.fx-content .wp-block-table { margin: 0; overflow-x: auto; border: 1px solid var(--fx-line); border-radius: 18px; }
.fx-content table { width: 100%; border-collapse: collapse; font-size: 15px; line-height: 1.5; }
.fx-content th, .fx-content td { text-align: left; padding: 12px 16px; border: 0; border-bottom: 1px solid var(--fx-line); vertical-align: top; }
.fx-content thead th { background: var(--fx-surface); font-size: 13px; color: var(--fx-muted); }
.fx-content tbody tr:last-child td { border-bottom: 0; }
.fx-content td:first-child { font-weight: 600; }
.fx-content .wp-block-table figcaption, .fx-cap { font-size: 13px; color: var(--fx-muted); }
.fx-callout { border-radius: 18px; padding: 20px 22px; }
.fx-callout.is-warn { background: var(--fx-warn-soft); }
.fx-callout.is-good { background: var(--fx-good-soft); }
.fx-steps { list-style: none !important; padding: 0 !important; gap: 0 !important; counter-reset: fxs; }
.fx-steps li { counter-increment: fxs; position: relative; display: block; padding: 18px 0 18px 54px; border-top: 1px solid var(--fx-line); min-height: 68px; }
.fx-steps li > strong:first-child, .fx-steps li > span > strong:first-child { display: block; margin-bottom: 4px; }
.fx-steps li:last-child { border-bottom: 1px solid var(--fx-line); }
.fx-steps li::before { content: counter(fxs); position: absolute; left: 0; top: 16px; width: 32px; height: 32px; border-radius: 999px; background: var(--fx-accent); color: #fff; font-weight: 800; font-size: 15px; display: flex; align-items: center; justify-content: center; }
.fx-calcbox { background: var(--fx-accent); color: #fff; border-radius: 24px; padding: 28px; display: flex; flex-wrap: wrap; gap: 16px 32px; align-items: center; justify-content: space-between; }
.fx-calcbox h3, .fx-calcbox p { color: #fff; }
.wp-block-details { border-top: 1px solid var(--fx-line); padding: 18px 0; }
.wp-block-details + .wp-block-details { margin-top: 0 !important; }
.wp-block-details summary { cursor: pointer; font-weight: 700; font-size: 18px; list-style: none; display: flex; justify-content: space-between; gap: 16px; min-height: 44px; align-items: center; }
.wp-block-details summary::-webkit-details-marker { display: none; }
.wp-block-details summary::after { content: "+"; font-size: 24px; color: var(--fx-accent); font-weight: 400; }
.wp-block-details[open] summary::after { content: "–"; }
.wp-block-details p { margin-top: 8px; color: var(--fx-muted); }
.fx-author { display: flex; gap: 20px; align-items: flex-start; background: var(--fx-surface); border-radius: 22px; padding: 24px; flex-wrap: wrap; }
.fx-author img { width: 88px; height: 88px; border-radius: 999px; object-fit: cover; object-position: 50% 25%; flex: none; }
.fx-author div { flex: 1 1 260px; display: flex; flex-direction: column; gap: 6px; font-size: 15px; }
.fx-author strong { font-size: 18px; }
.fx-sources { font-size: 14px; color: var(--fx-muted); }
.fx-disclaimer { font-size: 13px; color: var(--fx-muted); border-top: 1px solid var(--fx-line); padding-top: 16px; }
.fx-related { background: var(--fx-surface); padding-block: 56px; }
.fx-related h2 { font-size: 26px; font-weight: 800; margin-bottom: 20px; }
.fx-related__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 12px; }
.fx-related__grid a { background: var(--fx-card); border-radius: 18px; padding: 18px 20px; text-decoration: none; color: var(--fx-fg); font-weight: 700; }

/* ---------- Blog ---------- */
.fx-posts { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 500px), 1fr)); gap: 16px; padding-block: 24px 96px; }
.fx-post-card { border: 1px solid var(--fx-line); border-radius: 22px; overflow: hidden; display: flex; flex-direction: row; align-items: flex-start; text-decoration: none; color: var(--fx-fg); }
.fx-post-card img { flex: none; width: 128px; aspect-ratio: 16 / 9; object-fit: cover; border-radius: 10px; margin: 22px 0 0 22px; }
@media (max-width: 420px) { .fx-post-card img { width: 96px; margin: 18px 0 0 18px; } }
.fx-post-card div { padding: 20px 22px; display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.fx-post-card .m { font-size: 13px; color: var(--fx-muted); }
.fx-post-card strong { font-size: 17px; line-height: 1.35; }
.fx-post-card:hover { border-color: var(--fx-accent); }
.fx-latest .fx-posts { padding-block: 32px 0; grid-template-columns: minmax(0, 1fr); gap: 12px; }
.fx-latest .fx-post-card img { width: 160px; }
@media (max-width: 420px) { .fx-latest .fx-post-card img { width: 96px; } }
.fx-latest__head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 16px 32px; }
.fx-latest__head > div { display: flex; flex-direction: column; gap: 12px; max-width: 640px; }
.fx-latest + .fx-section { border-top: 1px solid var(--fx-line); }
.fx-pagination { padding-bottom: 80px; display: flex; gap: 10px; }

/* ---------- Forms ---------- */
.fx-form { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 560px) { .fx-form { grid-template-columns: minmax(0, 1fr); } }
.fx-form .f { display: flex; flex-direction: column; gap: 4px; }
.fx-form .full { grid-column: 1 / -1; }
.fx-form label { font-size: 13px; font-weight: 700; }
.fx-form input, .fx-form select, .fx-form textarea { font: inherit; font-size: 16px; color: var(--fx-fg); background: #fff; border: 1px solid var(--fx-line); border-radius: 12px; padding: 11px 14px; min-height: 48px; width: 100%; }
.fx-form [aria-invalid="true"] { border: 2px solid var(--fx-warn); }
.fx-form .consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; line-height: 1.5; font-weight: 400; }
.fx-form .consent input { width: 20px; height: 20px; min-height: 0; padding: 0; flex: none; accent-color: var(--fx-accent); }
.fx-form .err { font-size: 13px; color: var(--fx-warn); font-weight: 600; }
.fx-form .hp { position: absolute; left: -9999px; }
.fx-form button { justify-self: start; }
.fx-formbox { background: var(--fx-surface); border-radius: 24px; padding: 28px; display: flex; flex-direction: column; gap: 16px; }
.fx-formbox h3 { font-size: 22px; }
.fx-done { background: var(--fx-good-soft); border-radius: 14px; padding: 14px 18px; }

/* ---------- Booking window ---------- */
.fx-modal { position: fixed; inset: 0; z-index: 1000; display: flex; align-items: center; justify-content: center; padding: 16px; }
.fx-modal[hidden] { display: none; }
.fx-modal__bg { position: absolute; inset: 0; background: rgba(11, 22, 38, 0.55); }
.fx-modal__box { position: relative; background: #fff; border-radius: 24px; width: min(760px, 100%); max-height: calc(100vh - 32px); overflow: auto; box-shadow: 0 24px 64px rgba(11, 22, 38, 0.25); display: flex; flex-direction: column; }
.fx-modal__head { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 22px; border-bottom: 1px solid var(--fx-line); }
.fx-modal__head strong { font-size: 18px; }
.fx-modal__close { background: none; border: 0; font-size: 28px; line-height: 1; cursor: pointer; min-width: 44px; min-height: 44px; color: var(--fx-muted); }
.fx-modal__consent { padding: 28px; display: flex; flex-direction: column; gap: 16px; }
.fx-modal__consent p { color: var(--fx-muted); font-size: 15px; }
.fx-modal__frame iframe { display: block; width: 100%; height: min(680px, calc(100vh - 120px)); border: 0; }
body.fx-modal-open { overflow: hidden; }

/* ---------- Calculator ---------- */
.fxc { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 24px; align-items: start; }
@media (max-width: 900px) { .fxc { grid-template-columns: minmax(0, 1fr); } }
.fxc .panel { background: var(--fx-surface); border-radius: 24px; padding: 28px; display: flex; flex-direction: column; gap: 22px; }
.fxc .panel h2 { font-size: 20px; font-weight: 800; padding: 0; }
.fxc .field { display: flex; flex-direction: column; gap: 8px; }
.fxc .field > label, .fxc .field > .lbl, .fxc .lbl { font-size: 14px; font-weight: 700; }
.fxc .hint { font-size: 13px; color: var(--fx-muted); }
.fxc select, .fxc input[type="number"], .fxc input[type="text"], .fxc input[type="email"], .fxc input[type="tel"] { font: inherit; font-size: 16px; color: var(--fx-fg); background: #fff; border: 1px solid var(--fx-line); border-radius: 12px; padding: 12px 14px; min-height: 48px; width: 100%; }
.fxc .money { position: relative; }
.fxc .money input { padding-right: 36px; }
.fxc .money span { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--fx-muted); font-weight: 600; }
.fxc .seg { display: flex; gap: 6px; background: #fff; border: 1px solid var(--fx-line); border-radius: 14px; padding: 4px; flex-wrap: wrap; }
.fxc .seg button { flex: 1 1 auto; font: inherit; font-size: 15px; font-weight: 600; color: var(--fx-muted); background: transparent; border: 0; border-radius: 10px; padding: 10px 12px; min-height: 44px; cursor: pointer; }
.fxc .seg button[aria-pressed="true"] { background: var(--fx-accent); color: #fff; }
.fxc .check { display: flex; gap: 10px; align-items: flex-start; font-size: 15px; cursor: pointer; }
.fxc .check input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--fx-accent); flex: none; }
.fxc .row2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.fxc .result { display: flex; flex-direction: column; gap: 18px; }
.fxc .status { display: flex; gap: 12px; align-items: flex-start; border-radius: 16px; padding: 16px 18px; font-size: 15px; }
.fxc .status strong { display: block; font-size: 16px; }
.fxc .status.good { background: var(--fx-good-soft); }
.fxc .status.warn { background: var(--fx-warn-soft); }
.fxc .status.bad { background: #FBE9E7; }
.fxc .dot { width: 10px; height: 10px; border-radius: 999px; flex: none; margin-top: 7px; background: var(--fx-good); }
.fxc .status.warn .dot { background: var(--fx-warn); }
.fxc .status.bad .dot { background: #A3271C; }
.fxc .save { border-radius: 24px; padding: 26px 28px; display: flex; flex-direction: column; gap: 6px; background: var(--fx-good-soft); border: 2px solid var(--fx-good); }
.fxc .save .k { font-size: 14px; font-weight: 700; color: var(--fx-good); }
.fxc .save .big { font-size: clamp(36px, 6vw, 52px); font-weight: 800; letter-spacing: -0.03em; line-height: 1.05; color: var(--fx-good); }
.fxc .save.neutral { background: var(--fx-surface); border-color: var(--fx-line); }
.fxc .save.neutral .k, .fxc .save.neutral .big { color: var(--fx-fg); }
.fxc .compare { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 520px) { .fxc .compare { grid-template-columns: minmax(0, 1fr); } }
.fxc .box { border: 1px solid var(--fx-line); border-radius: 22px; padding: 22px; display: flex; flex-direction: column; gap: 4px; }
.fxc .box.pkv { border: 2px solid var(--fx-accent); }
.fxc .box .k { font-size: 14px; font-weight: 700; color: var(--fx-muted); }
.fxc .box .big { font-size: 32px; font-weight: 800; letter-spacing: -0.03em; line-height: 1.15; }
.fxc .box .sub { font-size: 14px; color: var(--fx-muted); }
.fxc .bar { height: 8px; border-radius: 999px; background: var(--fx-line); overflow: hidden; margin-top: 10px; }
.fxc .bar i { display: block; height: 100%; border-radius: 999px; background: #7A8BA3; transition: width 0.35s ease; }
.fxc .box.pkv .bar i { background: var(--fx-accent); }
.fxc table.bd { width: 100%; border-collapse: collapse; font-size: 15px; }
.fxc table.bd td, .fxc .bre td, .fxc .bre th { text-align: left; padding: 9px 0; border-bottom: 1px solid var(--fx-line); vertical-align: top; }
.fxc .r { text-align: right !important; white-space: nowrap; padding-left: 12px !important; }
.fxc table.bd tr.total td { font-weight: 800; border-bottom: 0; }
.fxc table.bd tr.minus td { color: var(--fx-good); }
.fxc details.more { border: 1px solid var(--fx-line); border-radius: 18px; padding: 4px 20px; }
.fxc details.more summary { cursor: pointer; font-weight: 700; padding: 14px 0; }
.fxc details.more .cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); gap: 24px; padding-bottom: 18px; }
.fxc .bre { border: 1px solid var(--fx-line); border-radius: 22px; padding: 22px; display: flex; flex-direction: column; gap: 12px; }
.fxc .bre h3 { font-size: 18px; }
.fxc .bre p { font-size: 15px; color: var(--fx-muted); }
.fxc .bre table { width: 100%; border-collapse: collapse; font-size: 15px; }
.fxc .bre th { font-size: 13px; color: var(--fx-muted); }
.fxc .bre .eff { background: var(--fx-good-soft); border-radius: 14px; padding: 12px 16px; font-size: 15px; }
.fxc .bre .eff strong { color: var(--fx-good); font-size: 17px; }
.fxc .bre .vp { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); gap: 4px 24px; font-size: 14px; }
.fxc .bre .vp div { display: flex; justify-content: space-between; gap: 12px; border-bottom: 1px solid var(--fx-line); padding: 7px 0; }
.fxc .reco { border-radius: 18px; padding: 18px 20px; background: var(--fx-accent-soft); display: flex; flex-direction: column; gap: 8px; font-size: 15px; }
.fxc .reco ul { margin: 0; padding-left: 18px; }
.fxc .notes { display: flex; flex-direction: column; gap: 10px; font-size: 15px; color: var(--fx-muted); margin: 0; padding: 0; list-style: none; }
.fxc .notes strong { color: var(--fx-fg); }
.fxc .cta { border-radius: 22px; padding: 26px; background: var(--fx-accent); color: #fff; display: flex; flex-direction: column; gap: 14px; }
.fxc .cta h3, .fxc .cta p { color: #fff; }
.fxc .cta .fx-form label { color: #fff; }
.fxc .cta .fx-form .consent a { color: #fff; }
.fxc .cta .fx-form .err { color: #FFE2B8; }
.fxc .cta .fx-done { color: var(--fx-fg); }
.fxc .disclaimer { font-size: 13px; color: var(--fx-muted); border-top: 1px solid var(--fx-line); padding-top: 14px; }
.fxc-lang { display: flex; gap: 6px; justify-content: flex-end; margin-bottom: 12px; }
.fxc-lang button { font: inherit; font-size: 14px; font-weight: 700; color: var(--fx-muted); background: transparent; border: 1px solid var(--fx-line); border-radius: 999px; padding: 6px 14px; min-height: 36px; cursor: pointer; }
.fxc-lang button[aria-pressed="true"] { background: var(--fx-accent-soft); color: var(--fx-accent); border-color: transparent; }

/* ---------- About & Dresden ---------- */
.fx-form .f label, .fx-form label.full { display: flex; flex-direction: column; gap: 4px; }
.fx-form label.consent { flex-direction: row; }
.fx-factstrip { border-block: 1px solid var(--fx-line); }
.fx-factstrip .fx-wrap { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 20px 40px; padding-block: 28px; }
.fx-factstrip .v { font-size: 28px; font-weight: 800; letter-spacing: -0.02em; }
.fx-factstrip .l { font-size: 14px; color: var(--fx-muted); }
.fx-two { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 48px 64px; align-items: center; }
@media (max-width: 900px) { .fx-two { grid-template-columns: minmax(0, 1fr); } }
.fx-two img.photo { width: 100%; aspect-ratio: 4 / 4.4; object-fit: cover; object-position: 60% 20%; border-radius: 28px; }
.fx-stack { display: flex; flex-direction: column; gap: 18px; }
.fx-quote { font-size: clamp(22px, 3vw, 30px); line-height: 1.35; font-weight: 700; letter-spacing: -0.015em; max-width: 820px; }
.fx-quote span { color: var(--fx-accent); }
.fx-grid3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr)); gap: 16px; }
.fx-card { background: var(--fx-card); border-radius: 24px; padding: 32px; display: flex; flex-direction: column; gap: 10px; }
.fx-card h3 { font-size: 22px; font-weight: 800; }
.fx-card p { color: var(--fx-muted); font-size: 16px; }
.fx-why { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 28px 32px; }
.fx-why div { display: flex; flex-direction: column; gap: 8px; border-top: 2px solid var(--fx-accent); padding-top: 18px; }
.fx-why h3 { font-size: 19px; font-weight: 800; }
.fx-why p { color: var(--fx-muted); font-size: 16px; }
.fx-photos { display: grid; grid-template-columns: 1.4fr 1fr 1fr; grid-template-rows: 240px 240px; gap: 14px; }
.fx-photos img { width: 100%; height: 100%; object-fit: cover; border-radius: 22px; }
.fx-photos .p1 { grid-row: 1 / 3; }
.fx-photos .p4 { grid-column: 2 / 4; object-position: 70% 30%; }
@media (max-width: 760px) { .fx-photos { grid-template-columns: 1fr 1fr; grid-template-rows: 220px 160px 160px; } .fx-photos .p1, .fx-photos .p4 { grid-row: auto; grid-column: 1 / 3; } }
.fx-table { overflow-x: auto; border: 1px solid var(--fx-line); border-radius: 20px; }
.fx-table table { width: 100%; border-collapse: collapse; font-size: 15px; line-height: 1.5; }
.fx-table td { padding: 13px 18px; border-bottom: 1px solid var(--fx-line); vertical-align: top; }
.fx-table tr:last-child td { border-bottom: 0; }
.fx-table td:first-child { color: var(--fx-muted); width: 42%; }
.fx-table td:last-child { font-weight: 600; }
.fx-fact { background: var(--fx-card); border-radius: 26px; padding: 32px; display: flex; flex-direction: column; gap: 6px; border: 2px solid var(--fx-accent); }
.fx-fact .v { font-size: clamp(40px, 6vw, 56px); font-weight: 800; letter-spacing: -0.03em; line-height: 1.05; color: var(--fx-accent); }
.fx-fact table { width: 100%; border-collapse: collapse; font-size: 15px; margin-top: 14px; }
.fx-fact td, .fx-fact th { padding: 9px 0; border-bottom: 1px solid var(--fx-line); text-align: left; }
.fx-fact th { font-size: 13px; color: var(--fx-muted); }
.fx-fact .r { text-align: right; }
.fx-tc { background: var(--fx-accent); color: #fff; border-radius: 26px; padding: 32px; display: flex; flex-direction: column; gap: 14px; font-family: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", sans-serif; }
.fx-tc h3 { color: #fff; font-family: inherit; font-size: 26px; letter-spacing: 0; }
.fx-tc p { color: #fff; opacity: 0.94; line-height: 1.8; }
.fx-imgcards { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 340px), 1fr)); gap: 16px; }
.fx-imgcard { border-radius: 26px; overflow: hidden; background: var(--fx-surface); display: flex; flex-direction: column; }
.fx-imgcard img { width: 100%; height: 240px; object-fit: cover; }
.fx-imgcard .in { padding: 28px; display: flex; flex-direction: column; gap: 10px; }
.fx-imgcard .in p { color: var(--fx-muted); font-size: 16px; }
.fx-imgcard h3 { font-size: 22px; font-weight: 800; }
.fx-imgcard dl { margin: 6px 0 0; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 6px 16px; font-size: 15px; }
.fx-imgcard dt { color: var(--fx-muted); }
.fx-imgcard dd { margin: 0; font-weight: 600; }

/* Pension calculator */
.fxp [hidden] { display: none !important; }
.fxp .save.gap { background: var(--fx-warn-soft); border-color: var(--fx-warn); }
.fxp .save.gap .k, .fxp .save.gap .big { color: var(--fx-warn); }
.fxp .status strong + br { display: none; }
.wp-block-buttons { display: flex; flex-wrap: wrap; gap: 10px; }
.wp-block-button.is-style-outline .wp-block-button__link { background: transparent; color: var(--fx-fg); border: 1px solid #C9D4E4; }
.wp-block-button.is-style-outline .wp-block-button__link:hover { border-color: var(--fx-accent); color: var(--fx-accent); background: transparent; }

/* Calculators adapt to the space they get (e.g. inside a guide column) */
.fxc-root { container-type: inline-size; }
@container (max-width: 880px) {
  .fxc { grid-template-columns: minmax(0, 1fr); }
}
@container (max-width: 560px) {
  .fxc .compare { grid-template-columns: minmax(0, 1fr); }
  .fxc .row2 { grid-template-columns: minmax(0, 1fr); }
}
.fxc .box .big { font-size: clamp(22px, 4.6cqi, 32px); overflow-wrap: anywhere; }
.fxc .save .big { font-size: clamp(30px, 7cqi, 52px); overflow-wrap: anywhere; }

.fxr .panel h2 + .field { margin-top: -8px; }
.fxr #fxr-live, .fxr #fxr-rentout { display: flex; flex-direction: column; gap: 22px; }
.fxr .bre table th { text-align: left; }

/* Claim form */
.fx-form__sec { padding-top: 10px; border-top: 1px solid var(--fx-line); margin-top: 6px; }
.fx-form__sec:first-child { border-top: 0; padding-top: 0; margin-top: 0; }
.fx-form__sec strong { font-size: 15px; }
.fx-form [hidden] { display: none !important; }
.fx-form select:disabled { opacity: 0.6; }

/* Service bar for Allianz customers */
.fx-topbar { background: #022E66; color: #DCE6F5; font-size: 13.5px; }
.fx-topbar__in { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 40px; padding-block: 6px; max-width: 1440px; }
.fx-topbar__l { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.fx-topbar strong { color: #fff; font-weight: 700; }
.fx-topbar a { color: #DCE6F5; text-decoration: none; }
.fx-topbar a:hover { color: #fff; }
.fx-topbar .fx-claimbtn { display: inline-flex; align-items: center; gap: 6px; font-weight: 800; font-size: 13px; line-height: 1.2; border-radius: 999px; padding: 5px 12px; background: #EBD9B4; color: #3A2A0C; }
.fx-topbar .fx-claimbtn:hover { background: #F2E4C6; color: #3A2A0C; }
.fx-topbar__sep { opacity: 0.4; }
@media (max-width: 700px) { .fx-topbar__hide { display: none; } }

/* Calmer guides: expandable examples and sources */
.fx-fold { border: 1px solid var(--fx-line); border-radius: 16px; padding: 0 18px; background: #fff; }
.fx-fold > summary { cursor: pointer; list-style: none; display: flex; align-items: center; gap: 10px; padding: 14px 0; font-weight: 700; font-size: 16px; color: var(--fx-fg); }
.fx-fold > summary::-webkit-details-marker { display: none; }
.fx-fold > summary::before { content: "+"; width: 24px; height: 24px; flex: none; border-radius: 999px; background: var(--fx-accent-soft); color: var(--fx-accent); font-weight: 800; display: inline-flex; align-items: center; justify-content: center; font-size: 16px; line-height: 1; }
.fx-fold[open] > summary::before { content: "–"; }
.fx-fold__in { padding-bottom: 16px; }
.fx-fold__in > figure { margin: 0; }
.fx-fold--sources { border: 0; padding: 0; background: transparent; }
.fx-fold--sources > summary { font-size: 14px; color: var(--fx-muted); font-weight: 600; padding: 8px 0; }
.fx-fold--sources .fx-fold__in { font-size: 14px; color: var(--fx-muted); }
/* Mobile: "On this page" */
.fx-mtoc { display: none; }
@media (max-width: 980px) {
  .fx-mtoc { display: block; border: 1px solid var(--fx-line); border-radius: 16px; padding: 0 16px; margin-bottom: 8px; }
  .fx-mtoc > summary { cursor: pointer; padding: 13px 0; font-weight: 700; font-size: 15px; }
  .fx-mtoc nav { display: flex; flex-direction: column; gap: 2px; padding-bottom: 12px; }
  .fx-mtoc nav a { color: var(--fx-fg); text-decoration: none; font-size: 15px; padding: 6px 0; border-top: 1px solid var(--fx-line); }
}

/* Start here strip */
.fx-start { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 32px; padding: 16px 0; border-top: 1px solid var(--fx-line); border-bottom: 1px solid var(--fx-line); }
.fx-start__label { font-weight: 800; font-size: 15px; }
.fx-start__list { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.fx-start__list a { display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 600; color: var(--fx-fg); text-decoration: none; padding: 6px 12px 6px 6px; border-radius: 999px; border: 1px solid var(--fx-line); background: #fff; }
.fx-start__list a:hover { border-color: var(--fx-accent); color: var(--fx-accent); }
.fx-start__list .n { width: 22px; height: 22px; border-radius: 999px; background: var(--fx-accent); color: #fff; font-size: 12px; font-weight: 800; display: inline-flex; align-items: center; justify-content: center; }
.fx-hub .fx-topics { margin-top: 24px; }

/* ---------- Header search button ---------- */
.fx-searchbtn { display: inline-flex; align-items: center; justify-content: center; min-width: 44px; min-height: 44px; border: 1px solid var(--fx-line); border-radius: 999px; background: #fff; color: var(--fx-fg); cursor: pointer; }
.fx-searchbtn:hover { color: var(--fx-accent); background: var(--fx-accent-soft); border-color: transparent; }

/* ---------- Desktop sub-menus ---------- */
.fx-dd { display: none; }
@media (min-width: 1420px) {
  .fx-nav li.fx-has-dd { position: relative; }
  .fx-nav li.fx-has-dd > a::after { content: ""; display: inline-block; width: 6px; height: 6px; margin-left: 7px; border-right: 1.8px solid currentColor; border-bottom: 1.8px solid currentColor; transform: translateY(-3px) rotate(45deg); opacity: 0.55; }
  .fx-dd { display: block; position: absolute; left: 50%; top: 100%; padding-top: 10px; transform: translate(-50%, 6px); opacity: 0; visibility: hidden; transition: opacity 0.16s ease, transform 0.16s ease, visibility 0s linear 0.16s; z-index: 60; }
  .fx-nav li.fx-has-dd:hover > .fx-dd, .fx-nav li.fx-has-dd:focus-within > .fx-dd { opacity: 1; visibility: visible; transform: translate(-50%, 0); transition-delay: 0s; }
  .fx-nav li.fx-has-dd.is-closed > .fx-dd { opacity: 0; visibility: hidden; }
  .fx-dd__in { min-width: 270px; background: #fff; border: 1px solid var(--fx-line); border-radius: 16px; box-shadow: 0 18px 40px -12px rgba(11, 22, 38, 0.22); padding: 8px; display: flex; flex-direction: column; }
  .fx-nav .fx-dd a { font-size: 14.5px; font-weight: 500; padding: 9px 12px; border-radius: 10px; white-space: nowrap; }
  .fx-nav .fx-dd a:hover { background: var(--fx-accent-soft); color: var(--fx-accent); }
  .fx-nav .fx-dd .fx-dd__all { font-weight: 700; color: var(--fx-accent); border-top: 1px solid var(--fx-line); border-radius: 0 0 10px 10px; margin-top: 4px; padding-top: 11px; }
  .fx-nav .fx-dd a::before { display: none; }
}
/* Hamburger menu (tablet): sub-pages indented; on phones the bottom bar takes over */
@media (min-width: 901px) and (max-width: 1419px) {
  .fx-nav .fx-dd { display: block; padding: 0 0 8px 16px; }
  .fx-nav .fx-dd a { border-top: 0; padding: 7px 0; font-size: 15px; font-weight: 500; color: var(--fx-muted); }
  .fx-nav .fx-dd a:hover { color: var(--fx-accent); background: none; }
}

/* ---------- Mobile bottom bar ---------- */
.fx-tabbar { display: none; }
@media (max-width: 900px) {
  body { padding-bottom: calc(68px + env(safe-area-inset-bottom, 0px)); }
  .fx-tabbar { display: grid; grid-template-columns: repeat(5, 1fr); position: fixed; left: 0; right: 0; bottom: 0; z-index: 960; background: rgba(255, 255, 255, 0.96); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); border-top: 1px solid var(--fx-line); padding: 6px max(6px, env(safe-area-inset-right, 0px)) calc(6px + env(safe-area-inset-bottom, 0px)) max(6px, env(safe-area-inset-left, 0px)); transition: transform 0.22s ease; }
  .fx-tabbar.is-hidden, body.fx-typing .fx-tabbar { transform: translateY(110%); }
  .fx-tabbar > a, .fx-tabbar > button { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 3px; min-height: 52px; padding: 4px 2px; border: 0; background: none; border-radius: 14px; color: var(--fx-muted); font: 600 11.5px/1.1 var(--fx-font); text-decoration: none; cursor: pointer; -webkit-tap-highlight-color: transparent; }
  .fx-tabbar > a:active, .fx-tabbar > button:active { background: var(--fx-accent-soft); }
  .fx-tabbar [aria-expanded="true"], .fx-tabbar [aria-current="page"] { color: var(--fx-accent); }
  .fx-tabbar [aria-expanded="true"] svg, .fx-tabbar [aria-current="page"] svg { stroke-width: 2.3; }
  .fx-searchbtn { display: none; }
  .fx-header__right .fx-lang { margin-right: 0; }
}
@media print { .fx-tabbar { display: none !important; } }

/* ---------- Bottom sheets ---------- */
.fx-sheet { position: fixed; inset: 0; z-index: 950; }
.fx-sheet[hidden] { display: none; }
.fx-sheet__bg { position: absolute; inset: 0; background: rgba(11, 22, 38, 0.42); opacity: 0; transition: opacity 0.2s ease; }
.fx-sheet__box { position: absolute; left: 0; right: 0; bottom: 0; max-height: 82vh; max-height: 82dvh; display: flex; flex-direction: column; background: #fff; border-radius: 22px 22px 0 0; box-shadow: 0 -12px 40px -10px rgba(11, 22, 38, 0.3); transform: translateY(100%); transition: transform 0.22s cubic-bezier(.2,.8,.3,1); padding-bottom: calc(76px + env(safe-area-inset-bottom, 0px)); }
.fx-sheet.is-open .fx-sheet__bg { opacity: 1; }
.fx-sheet.is-open .fx-sheet__box { transform: none; }
.fx-sheet__box::before { content: ""; width: 40px; height: 4px; border-radius: 4px; background: #CBD5E1; margin: 10px auto 0; flex: none; }
.fx-sheet__head { display: flex; align-items: center; justify-content: space-between; padding: 8px 20px 10px; flex: none; }
.fx-sheet__head strong { font-size: 19px; letter-spacing: -0.01em; }
.fx-sheet__x { width: 40px; height: 40px; border: 0; border-radius: 999px; background: var(--fx-surface); font-size: 24px; line-height: 1; color: var(--fx-fg); cursor: pointer; }
.fx-sheet__body { overflow-y: auto; overscroll-behavior: contain; padding: 0 20px 8px; }
.fx-sheet__topic { border-top: 1px solid var(--fx-line); }
.fx-sheet__topic summary { list-style: none; display: flex; justify-content: space-between; align-items: center; min-height: 54px; font-weight: 700; font-size: 16.5px; cursor: pointer; }
.fx-sheet__topic summary::-webkit-details-marker { display: none; }
.fx-sheet__topic summary::after { content: ""; width: 8px; height: 8px; border-right: 2px solid var(--fx-muted); border-bottom: 2px solid var(--fx-muted); transform: rotate(45deg) translate(-2px, -2px); transition: transform 0.15s ease; }
.fx-sheet__topic[open] summary::after { transform: rotate(-135deg); }
.fx-sheet__topic div { display: flex; flex-direction: column; padding: 0 0 12px; }
.fx-sheet__topic div a { padding: 10px 12px; border-radius: 12px; color: var(--fx-fg); text-decoration: none; font-size: 15.5px; }
.fx-sheet__topic div a:active, .fx-sheet__topic div a:hover { background: var(--fx-accent-soft); }
.fx-sheet__topic .fx-sheet__all { font-weight: 700; color: var(--fx-accent); }
.fx-sheet__more { display: flex; flex-wrap: wrap; gap: 8px; border-top: 1px solid var(--fx-line); padding: 16px 0 6px; }
.fx-sheet__more a { padding: 8px 14px; border: 1px solid var(--fx-line); border-radius: 999px; font-size: 14.5px; font-weight: 600; color: var(--fx-fg); text-decoration: none; }
.fx-sheet__list { display: flex; flex-direction: column; gap: 8px; padding-bottom: 12px; }
.fx-sheet__list a { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 54px; padding: 12px 16px; border: 1px solid var(--fx-line); border-radius: 16px; color: var(--fx-fg); text-decoration: none; font-weight: 600; font-size: 16px; }
.fx-sheet__list a:first-child[data-fx-booking] { background: var(--fx-accent); border-color: var(--fx-accent); color: #fff; justify-content: center; }
.fx-sheet__list a span { color: var(--fx-accent); }
@media (min-width: 901px) {
  .fx-sheet__box { left: 50%; right: auto; bottom: 50%; width: 480px; border-radius: 22px; transform: translate(-50%, 55%); opacity: 0; padding-bottom: 16px; }
  .fx-sheet.is-open .fx-sheet__box { transform: translate(-50%, 50%); opacity: 1; }
  .fx-sheet__box::before { display: none; }
}

/* ---------- Search overlay ---------- */
.fx-search { position: fixed; inset: 0; z-index: 1001; display: flex; justify-content: center; align-items: flex-start; padding: 12vh 16px 16px; }
.fx-search[hidden] { display: none; }
.fx-search__bg { position: absolute; inset: 0; background: rgba(11, 22, 38, 0.45); backdrop-filter: blur(3px); }
.fx-search__box { position: relative; width: 100%; max-width: 640px; max-height: 76vh; display: flex; flex-direction: column; background: #fff; border-radius: 20px; box-shadow: 0 30px 60px -20px rgba(11, 22, 38, 0.4); overflow: hidden; }
.fx-search__bar { display: flex; align-items: center; gap: 12px; padding: 6px 10px 6px 18px; border-bottom: 1px solid var(--fx-line); color: var(--fx-muted); flex: none; }
.fx-search__bar input { flex: 1; min-width: 0; border: 0; outline: 0; font: 500 17px/1.4 var(--fx-font); padding: 14px 0; color: var(--fx-fg); background: none; -webkit-appearance: none; appearance: none; }
.fx-search__bar input::-webkit-search-cancel-button { display: none; }
.fx-search__x { border: 1px solid var(--fx-line); background: var(--fx-surface); border-radius: 8px; font: 600 12px var(--fx-font); color: var(--fx-muted); padding: 6px 9px; cursor: pointer; }
.fx-search__res { overflow-y: auto; overscroll-behavior: contain; }
.fx-search__res:not(:empty) { padding: 8px; }
.fx-search__item { display: grid; grid-template-columns: auto 1fr; gap: 2px 12px; padding: 11px 12px; border-radius: 12px; text-decoration: none; color: var(--fx-fg); }
.fx-search__item:hover, .fx-search__item.is-active { background: var(--fx-accent-soft); }
.fx-search__kind { grid-row: span 2; align-self: start; margin-top: 3px; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; color: var(--fx-accent); background: #fff; border: 1px solid var(--fx-line); border-radius: 6px; padding: 2px 6px; min-width: 64px; text-align: center; }
.fx-search__t { font-weight: 700; font-size: 15.5px; line-height: 1.35; }
.fx-search__d { font-size: 13.5px; line-height: 1.45; color: var(--fx-muted); display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
.fx-search__item mark { background: #FCEFC7; color: inherit; border-radius: 3px; padding: 0 1px; }
.fx-search__empty { padding: 18px 14px; color: var(--fx-muted); font-size: 15px; }
.fx-search__hint { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; padding: 14px 18px 18px; font-size: 13.5px; color: var(--fx-muted); }
.fx-search__hint[hidden] { display: none; }
.fx-search__hint button { border: 1px solid var(--fx-line); background: #fff; border-radius: 999px; padding: 6px 12px; font: 600 13.5px var(--fx-font); color: var(--fx-fg); cursor: pointer; }
.fx-search__hint button:hover { border-color: var(--fx-accent); color: var(--fx-accent); }
@media (max-width: 900px) {
  .fx-search { padding: 0; align-items: stretch; }
  .fx-search__box { max-width: none; max-height: none; height: 100%; border-radius: 0; }
  .fx-search__bar { padding-top: max(6px, env(safe-area-inset-top, 0px)); }
}

/* ---------- Quick services (eVB, proof of insurance) ---------- */
.fx-form [hidden] { display: none !important; }
.fx-form .fx-cond--grid:not([hidden]) { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 560px) { .fx-form .fx-cond--grid:not([hidden]) { grid-template-columns: minmax(0, 1fr); } }
.fx-form .fx-upsell { background: #fff; border: 1px solid var(--fx-line); border-radius: 14px; padding: 14px 16px; }
.fx-zb { margin: 4px 0 6px; display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 18px; align-items: center; background: #fff; border: 1px solid var(--fx-line); border-radius: 18px; padding: 14px; }
.fx-zb svg { width: 100%; height: auto; display: block; font-family: var(--fx-font); }
.fx-zb figcaption { font-size: 14px; line-height: 1.5; color: var(--fx-muted); }
.fx-zb figcaption strong { color: var(--fx-fg); }
.fx-zb figcaption > strong { display: block; font-size: 15px; margin-bottom: 6px; }
.fx-zb ul { margin: 0; padding-left: 18px; display: flex; flex-direction: column; gap: 6px; }
@container (max-width: 640px) { .fx-zb { grid-template-columns: minmax(0, 1fr); } }
@media (max-width: 760px) { .fx-zb { grid-template-columns: minmax(0, 1fr); } }
.fx-quick { display: flex; align-items: center; justify-content: space-between; gap: 16px 24px; flex-wrap: wrap; margin: 8px 0; padding: 18px 22px; border-radius: 18px; background: var(--fx-accent-soft); border: 1px solid #D5E2F4; }
.fx-quick > div { display: flex; flex-direction: column; gap: 2px; flex: 1 1 260px; }
.fx-quick strong { font-size: 16.5px; color: var(--fx-fg); }
.fx-quick span { font-size: 14.5px; color: var(--fx-muted); line-height: 1.5; }
.fx-quick .fx-btn { flex: none; }
.fx-tools--quick { background: #F7F1E4; margin-top: 12px; }
.fx-tools--quick .fx-tools__label { color: #6B4E16; }
.fx-tools--quick .fx-tool { color: #3A2A0C; border-color: #E8DBBE; }
.fx-tools--quick .fx-tool:hover { border-color: #B98F3E; }
.fx-form input::placeholder { text-transform: none; }
.fx-zb__mini { display: none !important; }
@media (max-width: 560px) { .fx-zb__full { display: none !important; } .fx-zb__mini { display: block !important; border-radius: 12px; } }

/* ---------- Altersvorsorgedepot calculator ---------- */
.fxa { margin: 8px 0 4px; }
.fxa-card { border: 1px solid var(--fx-line); border-radius: 26px; padding: 28px; display: flex; flex-direction: column; gap: 24px; background: #fff; }
.fxa .no { display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; border-radius: 50%; background: var(--fx-accent-soft); color: var(--fx-accent); font-size: 14px; font-weight: 800; margin-right: 10px; flex: none; }
.fxa-q { display: flex; flex-direction: column; gap: 12px; }
.fxa-q label, .fxa-q .lbl { display: flex; align-items: center; font-size: 16.5px; font-weight: 700; }
.fxa-qh { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.fxa-out { font-size: 20px; font-weight: 800; color: var(--fx-accent); }
.fxa input[type="range"] { width: 100%; accent-color: var(--fx-accent); height: 28px; margin: 0; }
.fxa-scale { display: flex; justify-content: space-between; font-size: 13px; color: var(--fx-muted); }
.fxa-row { flex-direction: row; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.fxa-step { display: inline-flex; align-items: center; border: 1px solid var(--fx-line); border-radius: 14px; overflow: hidden; }
.fxa-step button { width: 48px; height: 46px; border: 0; background: var(--fx-surface); font-size: 22px; font-weight: 600; color: var(--fx-accent); cursor: pointer; }
.fxa-step button:disabled { color: #B6C2D2; cursor: default; }
.fxa-step output { min-width: 52px; text-align: center; font-size: 19px; font-weight: 800; }
.fxa .seg { display: flex; gap: 6px; background: var(--fx-surface); border-radius: 14px; padding: 4px; flex-wrap: wrap; }
.fxa .seg button { flex: 1 1 auto; font: inherit; font-size: 15px; font-weight: 600; color: var(--fx-muted); background: transparent; border: 0; border-radius: 10px; padding: 10px 12px; min-height: 44px; cursor: pointer; }
.fxa .seg button[aria-pressed="true"] { background: #fff; color: var(--fx-accent); box-shadow: 0 1px 3px rgba(11, 22, 38, 0.12); }
.fxa-res { background: linear-gradient(135deg, #04469A 0%, #022E66 100%); color: #fff; border-radius: 22px; padding: 26px 28px; display: flex; flex-direction: column; gap: 8px; }
.fxa-res .k { font-size: 14px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: #C9DBF3; }
.fxa-res .big { font-size: clamp(42px, 7vw, 60px); font-weight: 800; letter-spacing: -0.03em; line-height: 1.05; }
.fxa-res p { font-size: 16.5px; line-height: 1.5; color: #E3ECF8; }
.fxa-res p strong { color: #fff; }
.fxa-split { display: flex; height: 14px; border-radius: 999px; overflow: hidden; margin-top: 10px; background: rgba(255, 255, 255, 0.15); }
.fxa-split i { display: block; height: 100%; transition: width 0.35s ease; }
.fxa-split .you { background: rgba(255, 255, 255, 0.55); }
.fxa-split .state { background: #EBD9B4; }
.fxa-legend { display: flex; gap: 18px; font-size: 13.5px; color: #C9DBF3; }
.fxa-legend span::before { content: ""; display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }
.fxa-legend .you::before { background: rgba(255, 255, 255, 0.55); }
.fxa-legend .state::before { background: #EBD9B4; }
.fxa-more { border: 1px solid var(--fx-line); border-radius: 18px; padding: 0 20px; }
.fxa-more summary { cursor: pointer; font-weight: 700; padding: 16px 0; }
.fxa-fc { display: flex; flex-direction: column; gap: 14px; padding-bottom: 18px; }
.fxa-fc label { font-size: 15px; font-weight: 700; }
.fxa-fc input { font: inherit; font-size: 16px; width: 100px; border: 1px solid var(--fx-line); border-radius: 12px; padding: 10px 12px; }
.fxa-two { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.fxa-two > div { background: var(--fx-surface); border-radius: 16px; padding: 16px 18px; display: flex; flex-direction: column; gap: 4px; }
.fxa-two .k { font-size: 13.5px; font-weight: 700; color: var(--fx-muted); }
.fxa-two .v { font-size: 28px; font-weight: 800; letter-spacing: -0.02em; }
.fxa .hint { font-size: 13.5px; color: var(--fx-muted); line-height: 1.5; }
.fxa-cta { display: flex; justify-content: space-between; align-items: center; gap: 16px 24px; flex-wrap: wrap; background: #F7F1E4; border-radius: 18px; padding: 18px 22px; }
.fxa-cta > div { display: flex; flex-direction: column; gap: 2px; flex: 1 1 280px; }
.fxa-cta strong { font-size: 16.5px; }
.fxa-cta span { font-size: 14.5px; color: #5B4A2A; }
.fxa-foot { font-size: 13px; color: var(--fx-muted); margin-top: 10px; }
.fxa-kidsq { row-gap: 12px; }
.fxa-ages { flex-basis: 100%; display: flex; flex-wrap: wrap; gap: 8px; }
.fxa-ages[hidden] { display: none; }
.fxa-ages label { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--fx-muted); background: var(--fx-surface); border-radius: 12px; padding: 6px 6px 6px 12px; }
.fxa-ages input { font: inherit; font-size: 16px; font-weight: 700; width: 64px; border: 1px solid var(--fx-line); border-radius: 9px; padding: 6px 8px; color: var(--fx-fg); background: #fff; }
@container (max-width: 560px) {
  .fxa-card { padding: 20px 18px; gap: 20px; }
  .fxa-two { grid-template-columns: minmax(0, 1fr); }
  .fxa .seg button { flex-basis: 100%; }
}

/* ---------- Quote requests ---------- */
.fxq-ico { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 13px; background: var(--fx-accent-soft); color: var(--fx-accent); flex: none; }
.fxq-box { display: flex; align-items: center; gap: 14px 18px; flex-wrap: wrap; margin: 10px 0; padding: 16px 20px; border: 1px solid var(--fx-line); border-radius: 18px; background: #fff; }
.fxq-box > div { display: flex; flex-direction: column; gap: 2px; flex: 1 1 240px; }
.fxq-box strong { font-size: 16.5px; color: var(--fx-fg); }
.fxq-box div > span { font-size: 14.5px; color: var(--fx-muted); line-height: 1.5; }
.fxq-box .fx-btn { flex: none; min-height: 42px; padding: 10px 18px; }
.fxq-picker { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 230px), 1fr)); gap: 12px; margin: 12px 0 8px; }
.fxq-tile { font: inherit; text-align: left; display: flex; flex-direction: column; gap: 8px; padding: 18px; border: 1px solid var(--fx-line); border-radius: 18px; background: #fff; color: var(--fx-fg); cursor: pointer; transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.fxq-tile:hover { border-color: var(--fx-accent); box-shadow: 0 6px 20px -12px rgba(4, 70, 154, 0.5); }
.fxq-tile strong { font-size: 16.5px; }
.fxq-tile > span:last-child { font-size: 14px; color: var(--fx-muted); line-height: 1.45; }
.fxq-tile.is-featured { grid-column: 1 / -1; background: #F7F1E4; border-color: #E8DBBE; }
.fxq-tile.is-featured .fxq-ico { background: #EBD9B4; color: #3A2A0C; }
/* Drawer: side panel on desktop, bottom sheet on phones */
.fxq-drawer { position: fixed; inset: 0; z-index: 1002; }
.fxq-drawer[hidden] { display: none; }
.fxq-bg { position: absolute; inset: 0; background: rgba(11, 22, 38, 0.42); opacity: 0; transition: opacity 0.2s ease; }
.fxq-panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(560px, 100%); background: #fff; display: flex; flex-direction: column; transform: translateX(100%); transition: transform 0.22s cubic-bezier(.2,.8,.3,1); }
.fxq-drawer.is-open .fxq-bg { opacity: 1; }
.fxq-drawer.is-open .fxq-panel { transform: none; }
.fxq-head { display: flex; align-items: center; gap: 14px; padding: 20px 22px; border-bottom: 1px solid var(--fx-line); flex: none; }
.fxq-head > div { flex: 1; display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.fxq-head strong { font-size: 18px; }
.fxq-head span { font-size: 13px; color: var(--fx-muted); }
.fxq-x { width: 40px; height: 40px; border: 0; border-radius: 999px; background: var(--fx-surface); font-size: 24px; line-height: 1; cursor: pointer; flex: none; color: var(--fx-fg); }
.fxq-body { overflow-y: auto; overscroll-behavior: contain; padding: 20px 22px 28px; flex: 1; }
.fxq-body .fx-done { margin-top: 10px; }
.fxq-form .fx-form__sec:first-child { border-top: 0; }
.fxq-step { grid-column: 1 / -1; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.fxq-steps.on-1 > :not([data-step="1"]):not(input[type="hidden"]) { display: none !important; }
.fxq-steps:not(.on-1) > [data-step="1"] { display: none; }
.fxq-back { font: inherit; font-size: 13px; font-weight: 600; color: var(--fx-accent); background: none; border: 0; cursor: pointer; margin-left: 10px; padding: 0; }
.fxq-checks { display: flex; flex-wrap: wrap; gap: 8px; }
.fxq-check { display: inline-flex !important; flex-direction: row !important; align-items: center; gap: 8px !important; font-size: 15px !important; font-weight: 600 !important; background: var(--fx-surface); border: 1px solid var(--fx-line); border-radius: 12px; padding: 9px 14px; cursor: pointer; }
.fxq-check input { width: 18px !important; height: 18px; min-height: 0 !important; padding: 0 !important; accent-color: var(--fx-accent); }
.fxq-check:has(input:checked) { background: var(--fx-accent-soft); border-color: #B9CCE6; color: var(--fx-accent); }
[data-fx-one].is-invalid .fxq-check { border-color: var(--fx-warn); }
.fxq-hint summary { cursor: pointer; font-size: 14px; font-weight: 600; color: var(--fx-accent); }
.fxq-hint .fx-zb { grid-template-columns: minmax(0, 1fr); margin-top: 10px; }
.fxq-hint .fx-zb__full { display: none !important; }
.fxq-hint .fx-zb__mini { display: block !important; }
@media (max-width: 700px) {
  .fxq-panel { top: auto; left: 0; width: 100%; max-height: 92vh; max-height: 92dvh; border-radius: 22px 22px 0 0; transform: translateY(100%); }
  .fxq-step { grid-template-columns: minmax(0, 1fr); }
  .fxq-body { padding-bottom: calc(28px + env(safe-area-inset-bottom, 0px)); }
}
.fx-form .lbl { font-size: 13px; font-weight: 700; }
.fxq-step .fx-form__sec { display: flex; justify-content: space-between; align-items: center; flex-direction: row; }
.fxb .fxa-row .seg { flex: 0 1 260px; }

/* ---------- Calmer calculators and quote rows ---------- */
.fxa-res { padding: 22px 24px; gap: 6px; }
.fxa-res .big { font-size: clamp(30px, 4.6vw, 42px); }
.fxa-res p { font-size: 15.5px; }
.fxa-res .k { font-size: 12.5px; }
.fxa-out { font-size: 18px; }
.fxa-q label, .fxa-q .lbl { font-size: 15.5px; }
.fxa-card { padding: 24px; gap: 20px; }
/* Compact BU calculator (inside the Essential insurance overview) */
.fxb--compact .fxa-card { padding: 18px 20px; gap: 14px; background: var(--fx-surface); border-color: transparent; }
.fxb--compact .no { display: none; }
.fxb--compact .fxa-q label, .fxb--compact .fxa-q .lbl { font-size: 14.5px; }
.fxb--compact .fxa-out { font-size: 16px; }
.fxb--compact .fxa-row .seg { flex: 0 1 220px; background: #fff; }
.fxb--compact .seg button { min-height: 36px; padding: 6px 10px; font-size: 14px; }
.fxb--compact .fxa-res { background: #fff; color: var(--fx-fg); border: 1px solid var(--fx-line); padding: 14px 18px; gap: 2px; }
.fxb--compact .fxa-res .k { color: var(--fx-muted); }
.fxb--compact .fxa-res .big { font-size: 26px; color: var(--fx-accent); }
.fxb--compact .fxa-res p { font-size: 14.5px; color: var(--fx-muted); }
.fxb--compact .fxa-res p strong { color: var(--fx-fg); }
.fxb--compact .fxa-split, .fxb--compact .fxa-legend, .fxb--compact .fxa-foot, .fxb--compact .fxa-cta > div > span { display: none; }
.fxb--compact .fxa-cta { background: transparent; padding: 0; }
.fxb--compact .fxa-cta strong { font-size: 15px; }
.fxb--compact .fxa-cta .fx-btn { min-height: 40px; padding: 9px 18px; font-size: 14.5px; }
/* Quote boxes: slim row instead of a card */
.fxq-box { padding: 10px 0; margin: 4px 0 8px; border: 0; border-top: 1px solid var(--fx-line); border-radius: 0; gap: 10px 14px; background: transparent; }
.fxq-box .fxq-ico { width: 34px; height: 34px; border-radius: 10px; }
.fxq-box .fxq-ico svg { width: 18px; height: 18px; }
.fxq-box strong { font-size: 15px; }
.fxq-box div > span { display: none; }
.fxq-box .fx-btn { min-height: 36px; padding: 7px 14px; font-size: 14px; }
details.wp-block-details.fx-fold > :not(summary) { margin-top: 0; }
details.wp-block-details.fx-fold > :not(summary) + :not(summary) { margin-top: 12px; }
details.wp-block-details.fx-fold[open] { padding-bottom: 18px; }
details.wp-block-details.fx-fold h3 { font-size: 17px; margin-top: 18px; }

/* ---------- Essential insurance: graphical overview ---------- */
.fxe { display: flex; flex-direction: column; gap: 14px; margin: 10px 0 6px; }
.fxe-g { display: grid; grid-template-columns: 170px minmax(0, 1fr); gap: 10px 16px; align-items: start; }
.fxe-tag { align-self: center; justify-self: start; font-size: 12.5px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; border-radius: 999px; padding: 6px 12px; }
.fxe-must .fxe-tag { background: var(--fx-accent); color: #fff; }
.fxe-core .fxe-tag { background: #EBD9B4; color: #3A2A0C; }
.fxe-maybe .fxe-tag { background: var(--fx-surface); color: var(--fx-muted); border: 1px solid var(--fx-line); }
.fxe-items { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 200px), 1fr)); gap: 10px; }
.fxe-i { display: flex; align-items: center; gap: 12px; padding: 12px 14px; border: 1px solid var(--fx-line); border-radius: 16px; background: #fff; text-decoration: none; color: var(--fx-fg); transition: border-color 0.15s ease, transform 0.15s ease; }
.fxe-i:hover { border-color: var(--fx-accent); color: var(--fx-fg); transform: translateY(-1px); }
.fxe-ic { width: 40px; height: 40px; border-radius: 12px; display: inline-flex; align-items: center; justify-content: center; flex: none; background: var(--fx-accent-soft); color: var(--fx-accent); }
.fxe-core .fxe-ic { background: #F7F1E4; color: #6B4E16; }
.fxe-maybe .fxe-ic { background: var(--fx-surface); color: var(--fx-muted); }
.fxe-i strong { display: block; font-size: 15px; line-height: 1.3; }
.fxe-i em { display: block; font-style: normal; font-size: 13px; color: var(--fx-muted); line-height: 1.35; }
@media (max-width: 640px) { .fxe-g { grid-template-columns: minmax(0, 1fr); } }
.fxe-g { grid-template-columns: minmax(0, 1fr); gap: 8px; }
.fxe-items { grid-template-columns: repeat(auto-fill, minmax(min(100%, 230px), 1fr)); }
@media (max-width: 640px) {
  .fxe-items { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
  .fxe-i { flex-direction: column; align-items: flex-start; gap: 8px; padding: 12px; }
  .fxe-ic { width: 34px; height: 34px; border-radius: 10px; }
  .fxe-i strong { font-size: 14px; }
  .fxe-i em { font-size: 12.5px; }
}
.fxq-addr { display: flex; flex-direction: column; gap: 12px; }
.fxq-addr2 { display: grid; grid-template-columns: 130px minmax(0, 1fr); gap: 12px; }

/* ---------- Home 2.1: hero, life path, insurance check ---------- */
@keyframes fxUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
@keyframes fxFloat { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
@keyframes fxPulse { 0% { box-shadow: 0 0 0 0 rgba(4, 70, 154, .35); } 70% { box-shadow: 0 0 0 12px rgba(4, 70, 154, 0); } 100% { box-shadow: 0 0 0 0 rgba(4, 70, 154, 0); } }
.fx-up { animation: fxUp .7s cubic-bezier(.2, .8, .3, 1) both; }
.fx-d1 { animation-delay: .08s; } .fx-d2 { animation-delay: .16s; } .fx-d3 { animation-delay: .24s; } .fx-d4 { animation-delay: .32s; }
.fx-hero--home { background: linear-gradient(180deg, #F4F7FC 0%, #FFFFFF 100%); }
.fx-hero--home .fx-hero__in { padding-block: 72px 80px; }
.fx-hero--home h1 { font-size: clamp(38px, 5vw, 60px); line-height: 1.04; letter-spacing: -0.03em; }
.fx-h1-accent { color: var(--fx-accent); }
.fx-h1-sub { display: block; font-size: .42em; letter-spacing: -0.01em; color: var(--fx-muted); font-weight: 700; margin-top: 10px; }
.fx-hero--home .fx-lead { font-size: 18px; max-width: 560px; margin: 0; }
.fx-trust { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: 14px; font-weight: 600; color: var(--fx-muted); }
.fx-trust li { display: inline-flex; align-items: center; gap: 6px; }
.fx-trust svg { color: var(--fx-good); flex: none; }
.fx-hero__media { position: relative; display: flex; flex-direction: column; align-items: center; gap: 10px; padding-inline: 24px; }
.fx-hero__media .fx-hero__img { width: 100%; max-width: 420px; }
.fx-hero__media .fx-video--9-16 { width: auto; max-width: 100%; height: min(600px, 78vh); }
.fx-hero__caption { margin: 0; font-size: 13.5px; color: var(--fx-muted); text-align: center; max-width: 360px; }
.fx-chip { position: absolute; z-index: 2; display: flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--fx-line); border-radius: 16px; padding: 10px 14px; box-shadow: 0 16px 30px -18px rgba(11, 22, 38, .35); font-size: 14px; line-height: 1.25; animation: fxFloat 5s ease-in-out infinite; }
.fx-chip span:last-child { display: flex; flex-direction: column; }
.fx-chip small { font-size: 12.5px; color: var(--fx-muted); }
.fx-chip--a { left: 0; bottom: 18%; }
.fx-chip--b { right: 0; top: 8%; animation-duration: 6s; animation-delay: .8s; }
.fx-chip__i { width: 36px; height: 36px; border-radius: 10px; display: inline-flex; align-items: center; justify-content: center; flex: none; }
.fx-chip__i--green { background: #E8F7EE; color: #0E5F36; }
.fx-chip__i--sand { background: #F7F1E4; color: #6B4E16; }
@media (max-width: 560px) { .fx-chip { display: none; } .fx-hero__media { padding-inline: 0; } }

.fx-path .fx-sechead { margin-bottom: 32px; }
.fx-path__track { position: relative; --fx-step: 1; }
.fx-path__line { position: absolute; left: 10%; right: 10%; top: 30px; height: 4px; border-radius: 4px; background: var(--fx-line); }
.fx-path__fill { position: absolute; left: 0; top: 0; bottom: 0; border-radius: 4px; background: var(--fx-accent); width: calc(var(--fx-step) * 25%); transition: width .5s cubic-bezier(.2, .8, .3, 1); }
.fx-path__stations { position: relative; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 8px; }
.fx-station { font: inherit; background: none; border: 0; cursor: pointer; display: flex; flex-direction: column; align-items: center; gap: 8px; padding: 0 4px; color: var(--fx-fg); transition: transform .2s ease; }
.fx-station:hover { transform: translateY(-2px); }
.fx-station__dot { width: 60px; height: 60px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; background: #fff; color: #6B7A90; border: 2px solid #D5DEEA; transition: background-color .2s ease, color .2s ease, border-color .2s ease; }
.fx-station.is-done .fx-station__dot { background: var(--fx-accent-soft); color: var(--fx-accent); border-color: var(--fx-accent); }
.fx-station[aria-selected="true"] { color: var(--fx-accent); }
.fx-station[aria-selected="true"] .fx-station__dot { background: var(--fx-accent); color: #fff; border-color: var(--fx-accent); animation: fxPulse 2.2s ease-out infinite; }
.fx-station__label { font-size: 15.5px; font-weight: 700; line-height: 1.2; }
.fx-station__sub { font-size: 12.5px; color: #6B7A90; font-weight: 500; }
.fx-station:focus-visible { outline: 3px solid var(--fx-accent); outline-offset: 4px; border-radius: 12px; }
.fx-stage { margin-top: 28px; background: var(--fx-surface); border-radius: 26px; padding: 28px; display: flex; flex-direction: column; gap: 20px; }
.fx-stage[hidden] { display: none; }
.fx-stage__head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 6px 20px; }
.fx-stage__head h3 { margin: 0; font-size: 22px; letter-spacing: -0.015em; }
.fx-stage__head p { margin: 0; font-size: 15px; color: var(--fx-muted); }
.fx-stage__cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 14px; }
.fx-card-link { text-decoration: none; color: var(--fx-fg); background: #fff; border: 1px solid var(--fx-line); border-radius: 18px; padding: 18px; display: flex; flex-direction: column; gap: 6px; line-height: 1.45; transition: border-color .15s ease, transform .15s ease; animation: fxUp .45s cubic-bezier(.2, .8, .3, 1) both; }
.fx-card-link:hover { border-color: var(--fx-accent); transform: translateY(-2px); color: var(--fx-fg); }
.fx-card-link strong { font-size: 17px; line-height: 1.3; }
.fx-card-link__tag { font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--fx-accent); }
.fx-card-link__txt { font-size: 14.5px; color: var(--fx-muted); }
.fx-card-link__go { font-size: 14.5px; font-weight: 700; color: var(--fx-accent); margin-top: auto; padding-top: 4px; }
@media (max-width: 640px) {
  .fx-station__dot { width: 46px; height: 46px; }
  .fx-station__dot svg { width: 22px; height: 22px; }
  .fx-path__line { top: 23px; }
  .fx-station__label { font-size: 13px; }
  .fx-station__sub { display: none; }
  .fx-stage { padding: 20px 16px; }
}

.fx-checkband-wrap { padding-bottom: 80px; }
.fx-checkband { background: linear-gradient(135deg, #04469A 0%, #022E66 100%); color: #fff; border-radius: 30px; padding: 48px 40px; display: flex; flex-direction: column; gap: 32px; }
.fx-checkband__head { display: flex; flex-wrap: wrap; gap: 24px; justify-content: space-between; align-items: flex-end; }
.fx-checkband__head > div:first-child { display: flex; flex-direction: column; gap: 10px; max-width: 640px; }
.fx-checkband .fx-eyebrow { color: #EBD9B4; }
.fx-checkband h2 { margin: 0; color: #fff; font-size: clamp(28px, 3.4vw, 40px); line-height: 1.12; }
.fx-checkband p { margin: 0; color: #D6E4F7; font-size: 17px; line-height: 1.55; }
.fx-btn--glass { background: rgba(255, 255, 255, .12); color: #fff; border: 1px solid rgba(255, 255, 255, .3); }
.fx-btn--glass:hover { background: rgba(255, 255, 255, .2); color: #fff; }
.fx-checksteps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); gap: 16px; }
.fx-checksteps li { background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .16); border-radius: 20px; padding: 22px; display: flex; flex-direction: column; gap: 8px; font-size: 14.5px; line-height: 1.5; color: #C9DBF3; animation: fxUp .7s cubic-bezier(.2, .8, .3, 1) both; }
.fx-checksteps li:nth-child(2) { animation-delay: .12s; } .fx-checksteps li:nth-child(3) { animation-delay: .24s; }
.fx-checksteps strong { font-size: 18px; color: #fff; }
.fx-checksteps .n { width: 44px; height: 44px; border-radius: 50%; background: #fff; color: var(--fx-accent); display: inline-flex; align-items: center; justify-content: center; font-weight: 800; }
.fx-checksteps li.is-sand { background: #EBD9B4; border-color: #EBD9B4; color: #3A2A0C; }
.fx-checksteps li.is-sand strong { color: #3A2A0C; }
.fx-checksteps li.is-sand .n { color: #6B4E16; }
@media (max-width: 640px) { .fx-checkband { padding: 32px 20px; border-radius: 24px; } }

.fx-home-tools { padding-top: 0; }
.fx-home-tools .fx-tools:first-child { margin-top: 0; }
.fx-usps { list-style: none; margin: 48px 0 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); gap: 20px; }
.fx-usps li { border-top: 3px solid var(--fx-accent); padding-top: 16px; display: flex; flex-direction: column; gap: 6px; }
.fx-usps li.is-sand { border-top-color: #EBD9B4; }
.fx-usps strong { font-size: 18px; }
.fx-usps span { font-size: 15px; color: var(--fx-muted); line-height: 1.5; }
@media (prefers-reduced-motion: reduce) {
  .fx-up, .fx-chip, .fx-card-link, .fx-checksteps li, .fx-station[aria-selected="true"] .fx-station__dot { animation: none; }
  .fx-path__fill, .fx-station, .fx-card-link { transition: none; }
}

/* ---------- Comparison tables: GKV vs PKV as cards (real table kept) ---------- */
.fx-content .fx-vs { border: 0; border-radius: 0; overflow: visible; }
.fx-content .fx-vs table { border-collapse: separate; border-spacing: 0 10px; margin-top: -10px; font-size: 15px; }
.fx-content .fx-vs thead th { background: none; font-size: 13px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; padding: 4px 16px; border: 0; }
.fx-content .fx-vs thead th:nth-child(2) { color: var(--fx-accent); }
.fx-content .fx-vs thead th:nth-child(3) { color: #6B4E16; }
.fx-content .fx-vs thead th:nth-child(2)::before, .fx-content .fx-vs thead th:nth-child(3)::before { content: ""; display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 8px; background: var(--fx-accent); vertical-align: 0; }
.fx-content .fx-vs thead th:nth-child(3)::before { background: #C9A25A; }
.fx-content .fx-vs tbody td { background: #fff; border-top: 1px solid var(--fx-line); border-bottom: 1px solid var(--fx-line); padding: 14px 16px; }
.fx-content .fx-vs tbody td:first-child { border-left: 1px solid var(--fx-line); border-radius: 14px 0 0 14px; font-weight: 700; background: var(--fx-surface); }
.fx-content .fx-vs tbody td:nth-child(2) { background: var(--fx-accent-soft); }
.fx-content .fx-vs tbody td:nth-child(3) { background: #F7F1E4; border-right: 1px solid var(--fx-line); border-radius: 0 14px 14px 0; }
.fx-content .fx-vs tbody tr { transition: transform .15s ease; }
.fx-content .fx-vs tbody tr:hover { transform: translateY(-1px); }
.fx-content .fx-vs tbody tr:last-child td { border-bottom: 1px solid var(--fx-line); }

/* Phones: every table row becomes a card, the column heading is shown as a label */
@media (max-width: 640px) {
  .fx-content .fx-tbl { border: 0; border-radius: 0; overflow: visible; }
  .fx-content .fx-tbl table, .fx-content .fx-tbl tbody, .fx-content .fx-tbl tr, .fx-content .fx-tbl td { display: block; width: 100%; }
  .fx-content .fx-tbl table { border-spacing: 0; margin: 0; }
  .fx-content .fx-tbl thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .fx-content .fx-tbl tr { border: 1px solid var(--fx-line); border-radius: 16px; padding: 14px 16px; margin-bottom: 10px; background: #fff; }
  .fx-content .fx-tbl tbody td { border: 0 !important; border-radius: 0 !important; padding: 4px 0; background: none !important; }
  .fx-content .fx-tbl tbody td:first-child { font-size: 16px; font-weight: 700; padding-bottom: 8px; }
  .fx-content .fx-tbl tbody td + td::before { content: attr(data-label); display: block; font-size: 12px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--fx-muted); }
  .fx-content .fx-vs tr { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
  .fx-content .fx-vs tbody td:first-child { grid-column: 1 / -1; }
  .fx-content .fx-vs tbody td + td { border-radius: 12px !important; padding: 10px 12px; }
  .fx-content .fx-vs tbody td:nth-child(2) { background: var(--fx-accent-soft) !important; }
  .fx-content .fx-vs tbody td:nth-child(3) { background: #F7F1E4 !important; }
  .fx-content .fx-vs tbody td:nth-child(2)::before { color: var(--fx-accent); }
  .fx-content .fx-vs tbody td:nth-child(3)::before { color: #6B4E16; }
}
@media (prefers-reduced-motion: reduce) { .fx-content .fx-vs tbody tr { transition: none; } }
.fx-section.fx-path { padding-top: 56px; }

/* ---------- 3 ways to invest in ETFs ---------- */
.fxc .compare.compare3 { grid-template-columns: minmax(0, 1fr); gap: 10px; }
.fxc .compare3 .box { padding: 16px 18px; display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: baseline; gap: 2px 12px; }
.fxc .compare3 .box .k { grid-column: 1; }
.fxc .compare3 .box .big { grid-column: 2; grid-row: 1 / span 2; font-size: clamp(20px, 3.4cqi, 26px); text-align: right; }
.fxc .compare3 .box .sub { grid-column: 1; }
.fxc .compare3 .box .bar { grid-column: 1 / -1; margin-top: 8px; }
.fxc .compare3 .box[data-way="b"] .bar i { background: #C9A25A; }
.fxc .compare3 .box.pkv[data-way="b"] { border-color: #C9A25A; }
.fxc .compare3 .box.is-off { opacity: .6; }
.fxc .compare3 .box.is-off .big { font-size: 16px; color: var(--fx-muted); }
.fxt-refund { margin: 0; font-size: 14.5px; color: #6B4E16; background: #F7F1E4; border-radius: 12px; padding: 10px 14px; }
.fxt-tablewrap { overflow-x: auto; }
.fxt .bd td { white-space: nowrap; }
.fxt .bd td:first-child { white-space: normal; }
.fxt .panel details.more { border-top: 1px solid var(--fx-line); padding-top: 12px; }
.fxt .panel details.more summary { cursor: pointer; font-weight: 700; font-size: 15px; color: var(--fx-accent); }
.fxt .bd td + td { padding-left: 12px; }
@media (max-width: 520px) { .fxt .bd { font-size: 13px; } .fxt .bd td:first-child { min-width: 110px; } }