:root{--ink:#0E1A2B;--ink2:#16263D;--paper:#F6F3EC;--line:#D9D2C3;--gold:#B08D4C;--gold2:#8C6E35;--muted:#5C6B7A;--white:#fff}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:16px}
a{color:var(--gold2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.15}
header{position:sticky;top:0;z-index:10;background:rgba(14,26,43,.96);backdrop-filter:blur(6px)}
.nav{display:flex;justify-content:space-between;align-items:center;height:64px}
.logo{color:#fff;text-decoration:none;font-family:'Cormorant Garamond',serif;font-size:1.45rem;letter-spacing:.02em}
.logo span{color:var(--gold)}
.nav nav a{color:#C9D2DC;text-decoration:none;margin-left:22px;font-size:.92rem}
.nav nav a.cta{color:var(--ink);background:var(--gold);padding:8px 16px;border-radius:3px;font-weight:600}
@media(max-width:720px){.nav nav a:not(.cta){display:none}}
.hero{background:linear-gradient(90deg,#0E1A2B 0%,#0E1A2B 38%,rgba(14,26,43,.6) 52%,rgba(14,26,43,0) 66%),url(https://shop.pan21.com/media/treuhandauftrag-hero.webp) right center/cover no-repeat,var(--ink);color:#fff;padding:92px 0 84px}
.hero .wrap>*{max-width:530px}
@media(max-width:1180px){.hero{background:linear-gradient(rgba(14,26,43,.8),rgba(14,26,43,.8)),url(https://shop.pan21.com/media/treuhandauftrag-hero.webp) 70% center/cover no-repeat,var(--ink)}.hero .wrap>*{max-width:none}}
.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.18em;font-size:.78rem;font-weight:600}
.hero h1{font-size:clamp(2.3rem,5.4vw,3.9rem);margin:14px 0 20px;max-width:16ch}
.hero p.lead{color:#C9D2DC;font-size:1.08rem;max-width:47ch}
.hero .btns{margin-top:34px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 24px;border-radius:3px;font-weight:600;text-decoration:none;font-size:.97rem;border:1px solid var(--gold)}
.btn.gold{background:var(--gold);color:var(--ink)}
.btn.ghost{color:#fff}
.trust{display:flex;gap:28px;flex-wrap:wrap;margin-top:54px;color:#9FB0C2;font-size:.88rem}
.trust b{color:#fff;font-weight:600}
section{padding:84px 0}
section h2{font-size:clamp(1.9rem,3.6vw,2.6rem);margin-bottom:14px}
.sub{color:var(--muted);max-width:62ch;margin-bottom:40px}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:var(--white);border:1px solid var(--line);padding:28px;border-radius:4px}
.card h3{font-size:1.4rem;margin-bottom:8px}
.card p{color:var(--muted);font-size:.95rem}
.steps{counter-reset:s;display:grid;gap:0;border-left:2px solid var(--gold);margin-left:10px}
.step{position:relative;padding:0 0 34px 34px}
.step:before{counter-increment:s;content:counter(s);position:absolute;left:-17px;top:-2px;width:32px;height:32px;border-radius:50%;background:var(--ink);color:var(--gold);display:grid;place-items:center;font-weight:600;font-size:.9rem}
.step h3{font-size:1.35rem;margin-bottom:4px}
.step p{color:var(--muted);max-width:66ch}
.dark{background:var(--ink);color:#fff}
.dark .sub,.dark .card p{color:#9FB0C2}
.dark .card{background:var(--ink2);border-color:#2A3D58}
.limits{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px}
.limits .card h3{color:var(--gold)}
details{background:var(--white);border:1px solid var(--line);border-radius:4px;padding:18px 22px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600}
details p{color:var(--muted);margin-top:10px}
form{background:var(--white);border:1px solid var(--line);border-radius:4px;padding:32px;display:grid;gap:16px;grid-template-columns:1fr 1fr}
form .full{grid-column:1/-1}
@media(max-width:720px){form{grid-template-columns:1fr;padding:22px}}
label{font-size:.85rem;font-weight:600;display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:3px;font:inherit;background:#FCFBF8}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.hint{font-size:.8rem;color:var(--muted);margin-top:4px}
.hp{position:absolute;left:-9999px}
#msg{font-weight:600}
footer{background:#0A1320;color:#8496AA;padding:40px 0;font-size:.88rem}
footer a{color:#C9D2DC;margin-right:18px}
#faq .wrap{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);column-gap:48px;align-items:start}
#faq .wrap::before{content:"";grid-column:1;grid-row:1/span 2;align-self:stretch;min-height:440px;border-radius:4px;background:url(https://shop.pan21.com/media/treuhandauftrag-faq.webp) 66% center/cover no-repeat}
#faq .wrap>*{grid-column:2}
@media(max-width:860px){#faq .wrap{display:block}#faq .wrap::before{display:block;min-height:0;aspect-ratio:16/10;margin-bottom:32px}}