/* Layout */
.kfs-container {
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 1.25rem;
}

.kfs-main {
    min-height: 60vh;
}

/* Header */
.kfs-header {
    background: #ffffff;
    border-bottom: 1px solid #e5e7eb;
    position: sticky;
    top: 0;
    z-index: 50;
}
.kfs-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.75rem 0;
}
.kfs-logo a {
    text-decoration: none;
}
.kfs-logo-main {
    font-weight: 700;
    font-size: 1.35rem;
    color: #0f172a;
}
.kfs-logo-main span {
    color: #0f766e;
}
.kfs-logo-sub {
    display: block;
    font-size: 0.8rem;
    color: #6b7280;
}
.kfs-nav {
    display: flex;
    align-items: center;
}
.kfs-menu {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    gap: 1.5rem;
}
.kfs-menu li a {
    font-size: 0.95rem;
    font-weight: 500;
    color: #111827;
}
.kfs-menu li a:hover {
    color: #0f766e;
}

/* Mobile Nav */
.kfs-nav-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 4px;
    width: 36px;
    height: 32px;
    border: 1px solid #d1d5db;
    border-radius: 0.375rem;
    background: #ffffff;
    cursor: pointer;
}
.kfs-nav-toggle span {
    display: block;
    height: 2px;
    background: #111827;
    border-radius: 999px;
}

/* Hero */
.kfs-hero {
    padding: 2.5rem 0 3rem;
    background: radial-gradient(circle at top left, #e0f2fe 0, #ecfeff 30%, #f9fafb 70%);
}
.kfs-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);
    gap: 2.5rem;
    align-items: stretch;
}
.kfs-hero-text h1 {
    font-size: clamp(1.9rem, 3vw, 2.5rem);
    line-height: 1.2;
    margin-bottom: 0.75rem;
    color: #0f172a;
}
.kfs-hero-badge {
    display: inline-flex;
    align-items: center;
    padding: 0.2rem 0.75rem;
    border-radius: 999px;
    background: #ecfdf5;
    color: #166534;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
}
.kfs-hero-subline {
    font-size: 0.98rem;
    color: #4b5563;
    max-width: 34rem;
}
.kfs-hero-list {
    margin: 1.25rem 0;
    padding-left: 1rem;
    color: #374151;
}
.kfs-hero-list li {
    margin-bottom: 0.3rem;
}
.kfs-hero-actions {
    margin-top: 1.25rem;
}
.kfs-hero-hint {
    font-size: 0.85rem;
    color: #6b7280;
    margin-top: 0.4rem;
}

/* Buttons */
.kfs-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.7rem 1.4rem;
    border-radius: 999px;
    font-weight: 600;
    font-size: 0.95rem;
    border: 1px solid transparent;
    cursor: pointer;
    text-decoration: none;
}
.kfs-btn-primary {
    background: linear-gradient(135deg, #0f766e, #16a34a);
    color: #ffffff;
    box-shadow: 0 10px 20px rgba(15, 118, 110, 0.25);
}
.kfs-btn-primary:hover {
    opacity: 0.95;
    text-decoration: none;
}
.kfs-btn-outline {
    border-color: #0f766e;
    color: #0f766e;
    background: #ecfdf5;
}
.kfs-btn-outline:hover {
    background: #d1fae5;
}

/* Trust Badges */
.kfs-trust-badges {
    margin-top: 1.5rem;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.75rem;
}
.kfs-trust-item {
    padding: 0.65rem 0.75rem;
    border-radius: 0.75rem;
    background: #ffffff;
    border: 1px solid #e5e7eb;
}
.kfs-trust-title {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: #0f172a;
}
.kfs-trust-text {
    display: block;
    font-size: 0.78rem;
    color: #6b7280;
}

/* Hero Card */
.kfs-hero-card {
    background: #ffffff;
    border-radius: 1.25rem;
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.12);
    padding: 1.5rem 1.4rem;
    border: 1px solid #e5e7eb;
}
.kfs-hero-card h2 {
    font-size: 1.1rem;
    margin-bottom: 0.35rem;
}
.kfs-hero-card-text {
    font-size: 0.9rem;
    color: #6b7280;
    margin-bottom: 1rem;
}
.kfs-partner-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    max-height: none;
    overflow-y: visible;
    padding-right: 0.25rem;
}
.kfs-partner-card {
    border-radius: 0.9rem;
    border: 1px solid #e5e7eb;
    padding: 0.85rem 0.9rem;
    background: #f9fafb;
}
.kfs-partner-logo img {
    max-height: 26px;
    width: auto;
}
.kfs-partner-content h3 {
    font-size: 0.95rem;
    margin: 0.4rem 0;
}
.kfs-partner-content p {
    font-size: 0.85rem;
    color: #4b5563;
}
.kfs-partner-content ul {
    margin: 0.5rem 0 0.75rem;
    padding-left: 1.1rem;
    font-size: 0.82rem;
    color: #374151;
}

/* Sections */
.kfs-section {
    padding: 2.5rem 0;
}
.kfs-section-header {
    text-align: left;
    margin-bottom: 1.75rem;
}
.kfs-section-header h2 {
    font-size: 1.6rem;
    margin-bottom: 0.35rem;
    color: #0f172a;
}
.kfs-section-header p {
    max-width: 720px;
    font-size: 0.95rem;
    color: #4b5563;
}

/* Two Column */
.kfs-two-col {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 2rem;
    margin-bottom: 1.5rem;
}
.kfs-two-col h3 {
    margin-top: 0;
}

/* Blog */
.kfs-blog-listing .kfs-post-item {
    background: #ffffff;
    border-radius: 0.75rem;
    padding: 1.25rem;
    margin-bottom: 1rem;
    border: 1px solid #e5e7eb;
}
.kfs-post-title {
    margin-top: 0;
    margin-bottom: 0.2rem;
}
.kfs-post-meta {
    font-size: 0.8rem;
    color: #6b7280;
    margin-bottom: 0.75rem;
}
.kfs-post-excerpt {
    font-size: 0.95rem;
    color: #374151;
}
.kfs-post-readmore {
    display: inline-flex;
    margin-top: 0.75rem;
    font-size: 0.9rem;
}

/* Page / Single */
.kfs-page, .kfs-single {
    max-width: 760px;
}
.kfs-page-title, .kfs-single-title {
    font-size: 1.7rem;
    margin-bottom: 1rem;
}

/* Testimonials */
.kfs-section-testimonials {
    background: linear-gradient(135deg, #ecfdf5, #eff6ff);
}
.kfs-testimonial-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.25rem;
}
.kfs-testimonial {
    background: #ffffff;
    border-radius: 0.9rem;
    padding: 1.1rem;
    border: 1px solid #e5e7eb;
    box-shadow: 0 8px 18px rgba(15, 23, 42, 0.06);
    font-size: 0.9rem;
}
.kfs-testimonial-rating {
    margin: 0 0 0.3rem;
    color: #f59e0b;
    font-size: 1rem;
}
.kfs-testimonial-text {
    color: #374151;
}
.kfs-testimonial-name {
    margin-top: 0.6rem;
    font-weight: 600;
    color: #111827;
    font-size: 0.86rem;
}

/* FAQ */
.kfs-section-faq {
    background: #ffffff;
}
.kfs-faq-list {
    max-width: 760px;
}
.kfs-faq-item {
    border-radius: 0.75rem;
    border: 1px solid #e5e7eb;
    margin-bottom: 0.75rem;
    background: #f9fafb;
    overflow: hidden;
}
.kfs-faq-question {
    width: 100%;
    text-align: left;
    padding: 0.85rem 1rem;
    background: none;
    border: none;
    font-size: 0.95rem;
    font-weight: 600;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
}
.kfs-faq-toggle {
    font-size: 1.2rem;
    color: #6b7280;
}
.kfs-faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.25s ease;
    padding: 0 1rem;
}
.kfs-faq-answer p {
    font-size: 0.9rem;
    color: #4b5563;
    margin: 0.6rem 0 0.9rem;
}
.kfs-faq-item.is-open .kfs-faq-answer {
    max-height: 300px;
}
.kfs-faq-item.is-open .kfs-faq-toggle {
    transform: rotate(45deg);
}

/* Footer */
.kfs-footer {
    background: #020617;
    color: #e5e7eb;
    padding-top: 2rem;
    margin-top: 2rem;
}
.kfs-footer-inner {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 2rem;
    font-size: 0.9rem;
}
.kfs-footer h4 {
    margin-top: 0;
    color: #f9fafb;
}
.kfs-footer a {
    color: #e5e7eb;
}
.kfs-footer-bottom {
    border-top: 1px solid #111827;
    margin-top: 1.5rem;
    padding: 0.8rem 0;
    font-size: 0.8rem;
    color: #9ca3af;
}

/* Pagination */
.kfs-pagination {
    margin-top: 1.5rem;
}

/* Responsive */
@media (max-width: 900px) {
    .kfs-hero-grid {
        grid-template-columns: minmax(0, 1fr);
    }
    .kfs-hero-card {
        order: -1;
    }
    .kfs-two-col {
        grid-template-columns: minmax(0, 1fr);
    }
    .kfs-testimonial-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
    .kfs-footer-inner {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 720px) {
    .kfs-header-inner {
        padding: 0.5rem 0;
    }
    .kfs-nav-toggle {
        display: flex;
    }
    .kfs-nav {
        position: absolute;
        inset: 60px 0 auto 0;
        background: #ffffff;
        border-bottom: 1px solid #e5e7eb;
        display: none;
    }
    .kfs-nav.is-open {
        display: block;
    }
    .kfs-menu {
        flex-direction: column;
        padding: 0.75rem 1.25rem 1rem;
        gap: 0.75rem;
    }
    .kfs-hero {
        padding-top: 1.75rem;
    }
    .kfs-trust-badges {
        grid-template-columns: minmax(0, 1fr);
    }
    .kfs-testimonial-grid {
        grid-template-columns: minmax(0, 1fr);
    }
    .kfs-footer-inner {
        grid-template-columns: minmax(0, 1fr);
    }
}


/* Force hero section and bank box vertically stacked */
.kfs-hero-grid.kfs-hero-stack {
    grid-template-columns: 1fr !important;
}
.kfs-hero-card {
    margin-top: 2rem;
}

/* Anchor offset for sticky header */
#kfs-banken {
    scroll-margin-top: 120px;
}


/* Bankensektion unter dem Hero, horizontal angeordnet */
.kfs-section-banken {
    background: #ffffff;
    padding-top: 2.25rem;
    padding-bottom: 2.5rem;
}

.kfs-banken-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.25rem;
}

.kfs-partner-card {
    border-radius: 0.9rem;
    border: 1px solid #e5e7eb;
    padding: 1rem 1rem 1.1rem;
    background: #f9fafb;
    display: flex;
    flex-direction: column;
    height: 100%;
}

.kfs-partner-logo {
    margin-bottom: 0.5rem;
}

.kfs-partner-logo img {
    max-height: 30px;
    width: auto;
}

.kfs-partner-content h3 {
    font-size: 1rem;
    margin: 0.3rem 0 0.4rem;
}

.kfs-partner-content p {
    font-size: 0.9rem;
    color: #4b5563;
}

.kfs-partner-content ul {
    margin: 0.5rem 0 0.9rem;
    padding-left: 1.1rem;
    font-size: 0.86rem;
    color: #374151;
}

.kfs-partner-card .kfs-btn {
    margin-top: auto;
}

/* Scroll-Offset für Sticky-Header */
#kfs-banken {
    scroll-margin-top: 120px;
}

@media (max-width: 900px) {
    .kfs-banken-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}
@media (max-width: 720px) {
    .kfs-banken-grid {
        grid-template-columns: minmax(0, 1fr);
    }
}


.kfs-footer-links {
    list-style: none;
    margin: 0;
    padding: 0;
}
.kfs-footer-links li {
    margin-bottom: 0.25rem;
}