/* ==========================================================================
   Festgeld-App – Stylesheet (Santander-Privatkunden-Anmutung)
   Eigenständiges Design im Online-Banking-Stil: Santander-Rot #EC0000,
   Weiß, dunkle Grautöne, klare Karten und abgerundete Buttons.
   ========================================================================== */
:root {
    --rot: #EC0000;
    --rot-dunkel: #B80000;
    --rot-hell: #FDE8E8;
    --dunkel: #1F1F25;
    --grau: #5A5A66;
    --grau-hell: #F4F5F7;
    --linie: #E3E4E8;
    --gruen: #0E7A3D;
    --gruen-hell: #E7F5EC;
    --radius: 10px;
    --shadow: 0 2px 10px rgba(0,0,0,.07);
    --fontstack: "SantanderMicroSoftW04", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
    font-family: var(--fontstack);
    color: var(--dunkel);
    background: var(--grau-hell);
    line-height: 1.55;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
}

/* ---------- Header (Online-Banking-Leiste) ---------- */
.topbar {
    background: #fff;
    border-bottom: 4px solid var(--rot);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 50;
}
.topbar-inner {
    max-width: 1080px;
    margin: 0 auto;
    padding: 12px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--dunkel);
    font-weight: 700;
    font-size: 19px;
    letter-spacing: .2px;
}
.logo-parallelogram {
    width: 34px;
    height: 34px;
    background: var(--rot);
    border-radius: 6px;
    position: relative;
    flex-shrink: 0;
}
.logo-parallelogram::after {
    content: "";
    position: absolute;
    left: 7px;
    right: 7px;
    top: 50%;
    height: 9px;
    margin-top: -4.5px;
    background: #fff;
    border-radius: 3px;
}
.topbar-nav { display: flex; gap: 18px; align-items: center; }
.topbar-nav a {
    text-decoration: none;
    color: var(--grau);
    font-size: 14px;
    font-weight: 600;
}
.topbar-nav a:hover { color: var(--rot); }
.btn-login {
    background: var(--dunkel);
    color: #fff !important;
    padding: 8px 18px;
    border-radius: 20px;
}

/* ---------- Layout ---------- */
.container { max-width: 1080px; margin: 0 auto; padding: 28px 20px 60px; }

/* ---------- Hero ---------- */
.hero {
    background: linear-gradient(120deg, var(--rot) 0%, var(--rot-dunkel) 100%);
    border-radius: var(--radius);
    color: #fff;
    padding: 42px 36px;
    margin-bottom: 32px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}
.hero h1 { font-size: 30px; font-weight: 800; line-height: 1.2; }
.hero p { margin-top: 10px; font-size: 17px; opacity: .92; max-width: 560px; }

/* ---------- Produktkarten ---------- */
.cards { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.card {
    background: #fff;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 28px;
    border-top: 5px solid var(--rot);
}
.card h2 { font-size: 21px; }
.card .badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .8px;
    color: var(--rot);
    background: var(--rot-hell);
    border-radius: 4px;
    padding: 3px 8px;
    margin-bottom: 12px;
}
.zins-gross { font-size: 40px; font-weight: 800; color: var(--rot); line-height: 1.1; }
.zins-gross small { font-size: 16px; color: var(--grau); font-weight: 600; }
.card ul { list-style: none; margin: 16px 0 22px; }
.card ul li {
    padding: 7px 0 7px 26px;
    border-bottom: 1px solid var(--linie);
    color: var(--grau);
    font-size: 15px;
    position: relative;
}
.card ul li::before {
    content: "✓";
    position: absolute;
    left: 4px;
    color: var(--gruen);
    font-weight: 800;
}
.laufzeit-tabelle { width: 100%; border-collapse: collapse; margin: 14px 0 20px; font-size: 15px; }
.laufzeit-tabelle th, .laufzeit-tabelle td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--linie); }
.laufzeit-tabelle th { color: var(--grau); font-size: 13px; text-transform: uppercase; letter-spacing: .5px; }
.laufzeit-tabelle td:last-child, .laufzeit-tabelle th:last-child { text-align: right; font-weight: 700; color: var(--rot); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-block;
    background: var(--rot);
    color: #fff;
    font-weight: 700;
    font-size: 16px;
    border: none;
    border-radius: 26px;
    padding: 13px 34px;
    cursor: pointer;
    text-decoration: none;
    text-align: center;
    transition: background .15s;
}
.btn:hover { background: var(--rot-dunkel); }
.btn:disabled { background: #b9bac2; cursor: not-allowed; }
.btn-secundär, .btn-zweite {
    background: #fff;
    color: var(--dunkel);
    border: 2px solid var(--linie);
}
.btn-zweite:hover { border-color: var(--rot); color: var(--rot); background: #fff; }

/* ---------- Rechner ---------- */
.rechner {
    background: #fff;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 32px;
    margin-top: 34px;
}
.rechner h2 { font-size: 22px; margin-bottom: 6px; }
.rechner > p.sub { color: var(--grau); margin-bottom: 22px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.ergebnis {
    grid-column: 1 / -1;
    background: var(--gruen-hell);
    border: 1px solid #CBE7D4;
    border-radius: var(--radius);
    padding: 18px 22px;
    margin-top: 6px;
}
.ergebnis .row {
    display: flex;
    justify-content: space-between;
    padding: 6px 0;
    font-size: 16px;
}
.ergebnis .row.gross {
    font-weight: 800;
    font-size: 19px;
    border-top: 1px solid #CBE7D4;
    margin-top: 6px;
    padding-top: 12px;
}
.ergebnis .row span:last-child { color: var(--gruen); font-weight: 800; }

/* ---------- Formulare ---------- */
label.feld-label {
    display: block;
    font-weight: 600;
    font-size: 14px;
    margin-bottom: 6px;
    color: var(--dunkel);
}
label.pflicht::after { content: " *"; color: var(--rot); }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=date],
select, input[type=file] {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid #C9CBD3;
    border-radius: 8px;
    font-size: 16px;
    font-family: inherit;
    background: #fff;
    color: var(--dunkel);
}
input:focus, select:focus {
    outline: none;
    border-color: var(--rot);
    box-shadow: 0 0 0 3px rgba(236,0,0,.12);
}
.hinweis { font-size: 12.5px; color: var(--grau); margin-top: 5px; }

/* ---------- Wizard ---------- */
.wizard-kopf { margin-bottom: 26px; }
.schritt-leiste { display: flex; gap: 6px; margin-bottom: 8px; }
.schritt-leiste .seg {
    flex: 1;
    height: 6px;
    border-radius: 3px;
    background: #DADAE0;
}
.schritt-leiste .seg.aktiv { background: var(--rot); }
.schritt-leiste .seg.fertig { background: var(--rot); opacity: .45; }
.wizard-kopf .schritt-titel {
    display: flex;
    justify-content: space-between;
    font-size: 13px;
    font-weight: 700;
    color: var(--grau);
    text-transform: uppercase;
    letter-spacing: .6px;
}
.panel {
    background: #fff;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 34px;
}
.panel h2 { font-size: 24px; margin-bottom: 4px; }
.panel .sub { color: var(--grau); margin-bottom: 24px; }
.form-zeile { display: grid; gap: 18px; margin-bottom: 18px; }
.form-zeile.zwei { grid-template-columns: 1fr 1fr; }
.radio-karte {
    display: block;
    border: 2px solid var(--linie);
    border-radius: var(--radius);
    padding: 18px;
    cursor: pointer;
    transition: border-color .15s;
}
.radio-karte:hover { border-color: #b9bac2; }
.radio-karte.aktiv { border-color: var(--rot); background: var(--rot-hell); }
.radio-karte input { margin-right: 10px; }
.radio-karte .titel { font-weight: 800; }
.radio-karte .beschreibung { color: var(--grau); font-size: 14px; margin-top: 4px; }
.wizard-nav {
    display: flex;
    justify-content: space-between;
    margin-top: 28px;
    gap: 12px;
}
.wizard-nav .rechts { margin-left: auto; display: flex; gap: 12px; }

/* ---------- Fehler & Erfolg ---------- */
.fehler-box, .erfolg-box {
    border-radius: 8px;
    padding: 14px 18px;
    margin-bottom: 20px;
    font-size: 15px;
}
.fehler-box { background: #FDE8E8; border: 1px solid #F2B8B5; color: #8A1F1B; }
.erfolg-box { background: var(--gruen-hell); border: 1px solid #CBE7D4; color: var(--gruen); }
.feld-fehler { color: #B40000; font-size: 13px; margin-top: 4px; font-weight: 600; }

/* ---------- Signatur ---------- */
#signatur-pad {
    border: 2px dashed #C9CBD3;
    border-radius: var(--radius);
    background: #fff;
    width: 100%;
    height: 220px;
    touch-action: none;
    cursor: crosshair;
    display: block;
}
#signatur-pad.aktiv { border-color: var(--rot); }
.signatur-werkzeuge { display: flex; gap: 12px; margin-top: 12px; align-items: center; }

/* ---------- Zusammenfassung ---------- */
.zsm-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 1px solid var(--linie); border-radius: var(--radius); overflow: hidden; }
.zsm-feld { padding: 13px 18px; border-bottom: 1px solid var(--linie); }
.zsm-feld:nth-child(odd) { background: var(--grau-hell); font-weight: 600; }
.zsm-feld:nth-last-child(-n+2) { border-bottom: none; }
.agb-box {
    background: var(--grau-hell);
    border: 1px solid var(--linie);
    border-radius: var(--radius);
    padding: 16px 18px;
    margin: 22px 0 0;
    font-size: 14.5px;
}
.agb-box label { display: flex; gap: 10px; cursor: pointer; }
.agb-box input[type=checkbox] { width: 20px; height: 20px; accent-color: var(--rot); flex-shrink: 0; margin-top: 2px; }

/* ---------- Bestätigung ---------- */
.bestaetigung { text-align: center; }
.check-kreis {
    width: 84px;
    height: 84px;
    margin: 10px auto 20px;
    border-radius: 50%;
    background: var(--gruen-hell);
    color: var(--gruen);
    font-size: 42px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
}
.vertragsnummer-box {
    background: var(--rot-hell);
    border: 1.5px dashed var(--rot);
    border-radius: var(--radius);
    padding: 16px;
    font-size: 20px;
    font-weight: 800;
    margin: 18px auto 8px;
    max-width: 420px;
    letter-spacing: 1px;
}

/* ---------- Upload ---------- */
.drop-zone {
    border: 2px dashed #C9CBD3;
    border-radius: var(--radius);
    padding: 22px;
    text-align: center;
    color: var(--grau);
    transition: border-color .15s;
    margin-bottom: 8px;
}
.drop-zone.gueltig { border-color: var(--gruen); background: var(--gruen-hell); }
.datei-name { font-size: 14px; color: var(--gruen); font-weight: 700; }
.kyc-hinweis { font-size: 13px; color: var(--grau); }

/* ---------- Footer ---------- */
footer {
    border-top: 1px solid var(--linie);
    color: var(--grau);
    font-size: 13px;
    padding: 26px 20px 40px;
    text-align: center;
    background: #fff;
}
footer a { color: var(--grau); }

/* ---------- Admin ---------- */
.admin-body { background: var(--grau-hell); }
.login-panel { max-width: 420px; margin: 60px auto; }
.tabelle { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); font-size: 14.5px; }
.tabelle th {
    background: var(--dunkel);
    color: #fff;
    text-align: left;
    padding: 11px 14px;
    font-size: 12.5px;
    text-transform: uppercase;
    letter-spacing: .6px;
}
.tabelle td { padding: 11px 14px; border-bottom: 1px solid var(--linie); }
.tabelle tr:hover td { background: #FAFAFC; }
.status-pill {
    display: inline-block;
    padding: 3px 11px;
    border-radius: 12px;
    font-size: 12px;
    font-weight: 700;
}
.status-eingegangen { background: #E8EAFF; color: #2D2F8A; }
.status-kyc_geprueft { background: #FFF3D6; color: #8A6A00; }
.status-freigegeben { background: var(--gruen-hell); color: var(--gruen); }
.status-abgelehnt { background: var(--rot-hell); color: var(--rot-dunkel); }
.admin-toolbar { display: flex; gap: 12px; margin-bottom: 18px; align-items: center; flex-wrap: wrap; }
.admin-toolbar form { display: flex; gap: 10px; align-items: center; }

/* ---------- Responsive ---------- */
@media (max-width: 820px) {
    .cards, .form-grid, .form-zeile.zwei, .zsm-grid { grid-template-columns: 1fr; }
    .zsm-feld:nth-last-child(-n+2) { border-bottom: 1px solid var(--linie); }
    .zsm-feld:last-child { border-bottom: none; }
    .hero { padding: 30px 24px; }
    .hero h1 { font-size: 24px; }
    .panel { padding: 22px 18px; }
    .topbar-nav a:not(.btn-login) { display: none; }
    .zins-gross { font-size: 32px; }
    .tabelle { font-size: 13px; display: block; overflow-x: auto; }
}

/* ==========================================================================
   Kunden-Portal & Standard-Angebot (ab hier neu)
   ========================================================================== */

/* Standard-Angebotsbanner auf der Startseite */
.angebot-banner {
    display: flex; align-items: center; justify-content: space-between; gap: 24px;
    background: #fff; border: 2px solid var(--rot); border-radius: var(--radius);
    box-shadow: var(--shadow); padding: 26px 30px; margin: 26px 0;
}
.angebot-banner .angebot-badge {
    display: inline-block; background: var(--rot); color: #fff; font-size: 12px;
    font-weight: 800; letter-spacing: .8px; text-transform: uppercase;
    padding: 4px 10px; border-radius: 4px; margin-bottom: 8px;
}
.angebot-banner .angebot-zins { font-size: 44px; font-weight: 800; color: var(--rot); line-height: 1.1; }
.angebot-banner .angebot-zins small { font-size: 18px; color: var(--grau); font-weight: 600; }
.angebot-banner p { margin-top: 8px; max-width: 640px; color: #33333c; }

/* Kunden-Portal: Kopfbereich */
.portal-kopf {
    display: flex; align-items: center; justify-content: space-between; gap: 20px;
    margin-bottom: 22px; flex-wrap: wrap;
}
.portal-kopf h1 { font-size: 26px; font-weight: 800; }
.portal-kopf .sub { color: var(--grau); margin-top: 4px; }

/* Kennzahlen-Kacheln */
.kacheln { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 22px; }
.kachel {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 20px 22px; display: flex; flex-direction: column; gap: 6px;
}
.kachel-saldo { background: var(--rot); }
.kachel-saldo .kachel-label, .kachel-saldo .kachel-wert, .kachel-saldo .kachel-hinweis { color: #fff; }
.kachel-label { font-size: 12.5px; color: var(--grau); text-transform: uppercase; letter-spacing: .5px; font-weight: 700; }
.kachel-wert { font-size: 27px; font-weight: 800; color: var(--rot); }
.kachel-hinweis { font-size: 12.5px; color: var(--grau); }

/* Sperrfrist-Hinweis */
.sperrfrist-box {
    background: #FFF8E6; border: 1px solid #EAD48A; color: #7A5B12;
    border-radius: var(--radius); padding: 13px 18px; font-size: 14.5px; margin-bottom: 22px;
}

/* Portal-Zweispalter: Transaktionen links, Formulare rechts */
.portal-grid { display: grid; grid-template-columns: 3fr 2fr; gap: 22px; align-items: start; }
.portal-grid .panel { margin-bottom: 22px; }
.betrag-pos { font-weight: 700; color: var(--gruen); white-space: nowrap; }

/* Admin: Werkzeugkasten (Konditionen/Einzahlung/Passwort) */
.admin-toolbox { display: flex; flex-direction: column; gap: 4px; }
.admin-toolbox h3 { font-size: 16px; font-weight: 800; }

@media (max-width: 900px) {
    .kacheln { grid-template-columns: 1fr; }
    .portal-grid { grid-template-columns: 1fr; }
    .angebot-banner { flex-direction: column; align-items: flex-start; }
    .angebot-banner .angebot-zins { font-size: 36px; }
}

/* ------------------------------------------------------------------
 * Login-Popup: Tagesgeld-Aktion (erscheint bei jedem Kunden-Login)
 * ------------------------------------------------------------------ */
.popup-overlay {
    position: fixed; inset: 0; z-index: 1000;
    background: rgba(10, 10, 20, 0.55);
    display: flex; align-items: center; justify-content: center;
    padding: 20px;
}
.popup-box {
    position: relative; max-width: 460px; width: 100%;
    background: #FFFFFF; border-radius: 14px;
    border-top: 6px solid var(--rot);
    box-shadow: 0 24px 60px rgba(0, 0, 0, 0.35);
    padding: 30px 30px 26px;
}
.popup-kicker {
    display: inline-block; background: var(--rot-hell); color: var(--rot-dunkel);
    font-size: 12px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase;
    border-radius: 999px; padding: 4px 12px; margin-bottom: 12px;
}
.popup-box h2 { font-size: 24px; font-weight: 800; line-height: 1.25; margin-bottom: 14px; }
.popup-liste { list-style: none; margin: 0 0 20px; padding: 0; }
.popup-liste li {
    padding: 9px 0 9px 30px; position: relative; font-size: 15px;
    border-bottom: 1px solid #F0E6E6;
}
.popup-liste li::before {
    content: ""; position: absolute; left: 4px; top: 16px;
    width: 10px; height: 10px; border-radius: 50%;
    background: var(--rot);
}
.popup-buttons { display: flex; flex-wrap: wrap; gap: 10px; }
.popup-schliessen {
    position: absolute; top: 12px; right: 12px;
    background: none; border: none; font-size: 28px; line-height: 1;
    color: #9A8F8F; cursor: pointer; padding: 4px 8px;
}
.popup-schliessen:hover { color: var(--rot); }

/* ------------------------------------------------------------------
 * Dashboard-Karte: Tagesgeldkonto eröffnen (Santander-Rot)
 * ------------------------------------------------------------------ */
.panel-tagesgeld {
    background: linear-gradient(135deg, var(--rot) 0%, var(--rot-dunkel) 100%);
    color: #FFFFFF; border: none;
}
.panel-tagesgeld h2 { color: #FFFFFF; }
.panel-tagesgeld .sub { color: #FFD9D9; }
.tagesgeld-zins-gross {
    font-size: 44px; font-weight: 800; color: #FFFFFF; line-height: 1; margin: 6px 0 10px;
}
.tagesgeld-zins-gross small { font-size: 18px; font-weight: 700; }
.tagesgeld-vorteile { list-style: none; margin: 12px 0 18px; padding: 0; }
.tagesgeld-vorteile li { padding: 5px 0; font-size: 14.5px; color: #FFEAEA; }
.panel-tagesgeld .btn {
    background: #FFFFFF; color: var(--rot-dunkel); width: 100%;
}
.panel-tagesgeld .btn:hover { background: #FFF3F3; }