:root {
  /* PostFinance co-brand accents only */
  --pf-yellow: #ffcc00;
  --pf-petrol: #004b5a;
  --pf-white: #ffffff;
  --pf-yellow-soft: #fff8d6;

  /* Kamuno product experience */
  --km-green: #27d068;
  --km-green-dark: #23bb5e;
  --km-kicker: #2d8e39;
  --km-navy: #142c33;
  --km-navy-deep: #17242f;
  --km-text: #43405d;
  --km-muted: #5b6b70;
  --km-orange: #ed7e40;
  --km-surface: #f6f9fb;
  --km-tertiary: #f9feea;
  --km-stroke: rgba(147, 155, 163, 0.32);

  --pf-gutter: 50px;
  --pf-wrap: 1100px;
  --pf-card-width: min(
    var(--pf-wrap),
    calc(100% - 2 * var(--pf-gutter))
  );
  --pf-radius: 20px;
  --pf-font-title: "alaska", "Google Sans", Helvetica, sans-serif;
  --pf-font-body: Arial, Helvetica, sans-serif;
  --pf-lockup-height: 28px;
  --pf-lockup-separator-height: 28px;
  --motion-in-duration: 680ms;
  --motion-in-ease: cubic-bezier(0.22, 1, 0.36, 1);
  --motion-stagger-step: 100ms;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  background: var(--pf-white);
}

body.page-postfinance-firmenkredit {
  margin: 0;
  font-family: var(--pf-font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--km-text);
  background: var(--pf-white);
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

.page-shell {
  position: relative;
  overflow: clip;
}

.pf-wrap {
  box-sizing: border-box;
  width: min(var(--pf-wrap), calc(100% - 2 * var(--pf-gutter)));
  margin: 0 auto;
}

.pf-partner-bar {
  padding: clamp(20px, 3vw, 36px) 0 0;
  background: transparent;
}

.pf-partner-bar__split {
  box-sizing: border-box;
  display: grid;
  grid-template-columns: 1fr 1fr;
  width: min(var(--pf-wrap), calc(100% - 2 * var(--pf-gutter)));
  margin: 0 auto;
  min-height: 87px;
  overflow: hidden;
  border-radius: 20px;
  background: var(--km-navy);
}

.pf-partner-bar__panel {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px clamp(16px, 4vw, 40px);
  min-width: 0;
}

.pf-partner-bar__panel--postfinance {
  position: relative;
  z-index: 1;
  justify-content: flex-end;
  background: var(--pf-yellow);
  -webkit-mask-image: url("./assets/mask-desktop.svg");
  mask-image: url("./assets/mask-desktop.svg");
  -webkit-mask-position: top right;
  mask-position: top right;
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
  -webkit-mask-size: 220%;
  mask-size: 220%;
}

.pf-partner-bar__panel--kamuno {
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  gap: 10px;
  background: var(--km-navy);
}

.pf-partner-bar__panel--kamuno > * {
  position: relative;
  top: -18px;
}

.pf-partner-bar__panel--kamuno .pf-partner-bar__byline {
  top: -4px;
}

.pf-partner-bar__logo--postfinance {
  display: block;
  height: 55px;
  width: auto;
  max-width: min(338px, 100%);
  position: relative;
  top: 2px;
}

.pf-partner-bar__logo--kamuno {
  display: block;
  height: 16px;
  width: auto;
  max-width: min(108px, 100%);
}

.pf-partner-bar__panel--kamuno .pf-partner-bar__logo--kamuno {
  top: -8px;
}

.pf-partner-bar__byline {
  margin: 0;
  font-family: var(--pf-font-body);
  font-size: 11px;
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: 0.01em;
  color: rgba(255, 255, 255, 0.4);
  white-space: nowrap;
}

.pf-hero {
  position: relative;
  padding: 16px 0 40px;
  background: var(--pf-white);
}

.pf-split-hero {
  --pf-split-pad: clamp(28px, 4.5vw, 48px);
  position: relative;
  display: grid;
  grid-template-columns: repeat(12, minmax(0, 1fr));
  min-height: 28rem;
  overflow: hidden;
  border-radius: 32px;
  isolation: isolate;
  background: var(--pf-petrol);
}

.pf-split-hero__media {
  grid-column: 1 / 8;
  grid-row: 1;
  position: relative;
  overflow: hidden;
  height: 100%;
  min-height: 28rem;
  border-radius: 20px 0 0 20px;
}

.pf-split-hero__media img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  max-width: none;
  object-fit: cover;
  object-position: 50% 30%;
  opacity: 0;
  z-index: 0;
  transform: scale(1);
  transform-origin: center;
  transition: opacity 2s ease-in-out, transform 600ms ease;
  will-change: opacity, transform;
  pointer-events: none;
}

.pf-split-hero__media img.is-leaving {
  z-index: 1;
}

.pf-split-hero__media img.is-active {
  opacity: 1;
  z-index: 2;
}

.pf-split-hero:hover .pf-split-hero__media img {
  transform: scale(1.04);
}

.pf-split-hero__panel {
  grid-column: 8 / 13;
  grid-row: 1;
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  box-sizing: border-box;
  width: auto;
  max-width: none;
  min-width: 0;
  margin-left: 0;
  padding: var(--pf-split-pad) var(--pf-split-pad) var(--pf-split-pad) calc(var(--pf-split-pad) + 12px);
  color: var(--pf-white);
  background: var(--pf-petrol);
}

@media screen and (min-width: 751px) {
  .pf-cobrand-hero__image-wrapper {
    -webkit-mask-image: url("./assets/mask-desktop.svg");
    mask-image: url("./assets/mask-desktop.svg");
    -webkit-mask-position: top right;
    mask-position: top right;
    -webkit-mask-repeat: no-repeat;
    mask-repeat: no-repeat;
    -webkit-mask-size: 220%;
    mask-size: 220%;
  }
}

@media screen and (max-width: 750px) {
  .pf-cobrand-hero__image-wrapper {
    display: flex;
    align-items: center;
    border-radius: 20px 20px 0 0;
    -webkit-mask-image: url("./assets/mask-mobile-wave.svg");
    mask-image: url("./assets/mask-mobile-wave.svg");
    -webkit-mask-position: center;
    mask-position: center;
    -webkit-mask-repeat: no-repeat;
    mask-repeat: no-repeat;
    -webkit-mask-size: 100% 100%;
    mask-size: 100% 100%;
  }
}

.pf-split-hero__title {
  margin: 0 0 24px;
  font-family: var(--pf-font-title);
  font-size: clamp(32px, 4.8vw, 44px);
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -0.02em;
  white-space: normal;
  overflow-wrap: anywhere;
  color: var(--pf-white);
}

.pf-split-hero__subtitle {
  margin: 0 0 28px;
  max-width: 36rem;
  font-size: 17px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.9);
}

.pf-split-hero__cta,
.pf-split-hero__cta:link,
.pf-split-hero__cta:visited {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
}

@media (prefers-reduced-motion: reduce) {
  .pf-split-hero__media img {
    transition: none;
    will-change: auto;
  }

  .pf-split-hero:hover .pf-split-hero__media img,
  .pf-split-hero:focus-within .pf-split-hero__media img {
    transform: none;
  }
}

.pf-check {
  position: relative;
  z-index: 1;
  scroll-margin-top: 96px;
  padding: 0 0 40px;
  background: var(--pf-white);
}

.pf-check__card {
  box-sizing: border-box;
  width: 100%;
  margin: 0 auto;
  padding: 60px;
  text-align: center;
  border-radius: 3rem;
  background: #eef6f6;
}

.pf-check__steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  width: min(227px, 100%);
  margin: 0 auto 40px;
  padding: 0;
  list-style: none;
}

.pf-check__step {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1 1 0;
  min-width: 0;
  font-size: 12px;
  font-weight: 400;
  line-height: 1.2;
  color: rgba(0, 75, 90, 0.30);
}

.pf-check__step:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 9px;
  left: calc(50% + 14px);
  width: calc(100% - 28px);
  height: 1px;
  background: rgba(0, 75, 90, 0.30);
}

.pf-check__dot {
  display: block;
  width: 19.5px;
  height: 19.5px;
  margin-bottom: 10px;
  border-radius: 50%;
  background: rgba(0, 75, 90, 0.30);
}

.pf-check__step.is-active {
  color: var(--pf-petrol);
}

.pf-check__step.is-active:not(:last-child)::after {
  top: 9.75px;
  left: calc(50% + 10px);
  width: calc(100% - 24px);
  background: linear-gradient(to right, var(--pf-yellow), rgba(0, 75, 90, 0.30));
}

.pf-check__step.is-active .pf-check__dot {
  background: radial-gradient(circle at 50% 50%, var(--pf-yellow) 42%, rgba(255, 204, 0, 0.22) 43%);
}

.pf-check__title {
  margin: 0 0 12px;
  font-family: var(--pf-font-title);
  font-size: 30px;
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: #004b5a;
}

.pf-check__lead {
  margin: 0 auto 36px;
  width: 100%;
  max-width: none;
  color: #004b5a;
  text-align: center;
  font-family: var(--pf-font-body);
  font-size: 16px;
  font-style: normal;
  font-weight: 300;
  line-height: 1.65;
  letter-spacing: 0.5px;
}

.pf-check__gauge {
  display: grid;
  place-items: center;
  width: 189px;
  height: 189px;
  margin: 0 auto 36px;
  border-radius: 50%;
  background: #d6ebeb;
}

.pf-check__gauge-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  width: 116px;
  height: 116px;
  border-radius: 50%;
  background: #004b5a;
  color: #ffffff;
}

.pf-check__currency {
  font-size: 13px;
  font-weight: 500;
  line-height: 1.1;
  letter-spacing: 0.04em;
}

.pf-check__amount {
  font-family: var(--pf-font-title);
  font-size: 28px;
  font-weight: 500;
  line-height: 1;
}

.pf-check__cta,
.pf-check__cta:link,
.pf-check__cta:visited {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 249px;
  min-height: 45px;
  padding: 10px 28px;
  border-radius: 999px;
  background: #ffcc00;
  color: #004b5a;
  font-size: 15px;
  font-weight: 500;
  line-height: 1.2;
  text-decoration: none;
}

.pf-check__cta:hover,
.pf-check__cta:focus-visible {
  background: #f0c000;
  color: #004b5a;
}

.pf-check__lockup {
  --pf-lockup-height: 36px;
  --pf-lockup-separator-height: 36px;
  margin: 40px auto 0;
  padding-bottom: 20px;
}

.pf-check__lockup .pf-lockup__row {
  justify-content: center;
  gap: 20px;
}

.pf-check__lockup .pf-lockup__kamuno {
  position: relative;
  top: -10px;
}

.pf-check__lockup .pf-lockup__logo--postfinance {
  height: 36px;
  max-width: 220px;
}

.pf-check__lockup .pf-lockup__logo--kamuno {
  height: 12px;
  max-width: 90px;
  position: relative;
  top: -1px;
}

.pf-story {
  background: transparent;
  color: var(--pf-petrol);
  overflow: visible;
  margin: 0 0 80px;
}

.pf-story .pf-story__grid {
  width: var(--pf-card-width);
  background: var(--pf-yellow);
  border-radius: 32px;
  overflow: hidden;
  padding-left: clamp(2.5rem, 6vw, 5rem);
  padding-right: clamp(1.5rem, 4vw, 3rem);
}

.pf-story__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr);
  gap: clamp(48px, 7vw, 96px);
  align-items: center;
  padding-top: clamp(34px, 4.2vw, 56px);
  padding-bottom: clamp(34px, 4.2vw, 56px);
}

@media (min-width: 751px) {
  .pf-story .pf-story__grid {
    padding-top: 48px;
    padding-bottom: 48px;
  }

  .pf-story .pf-story__media {
    padding-right: 24px;
    align-self: stretch;
    align-items: flex-end;
  }

  .pf-story .pf-story__media img {
    max-height: 360px;
    width: auto;
  }
}

.pf-story__copy {
  min-width: 0;
  padding: 0;
}

.pf-story__title {
  margin: 0 0 20px;
  max-width: none;
  color: var(--pf-petrol);
}

.pf-story .pf-story__title {
  font-size: 50px;
  color: var(--pf-petrol);
}

.pf-story__body {
  margin: 0 0 16px;
  max-width: none;
  font-size: 17px;
  line-height: 1.65;
  color: #045c6c;
}

.pf-story__body:last-child {
  margin-bottom: 0;
}

.pf-story-band {
  margin: 0;
  background: transparent;
  color: var(--km-text);
}

.pf-story-band .pf-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(32px, 5vw, 72px);
  align-items: start;
  width: var(--pf-card-width);
  padding-top: clamp(40px, 5vw, 64px);
  padding-bottom: clamp(40px, 5vw, 64px);
  padding-left: clamp(2.5rem, 6vw, 5rem);
  padding-right: clamp(2.5rem, 6vw, 5rem);
  background: #f7f8fe;
  border-radius: 0 0 32px 32px;
  overflow: hidden;
}

.pf-story-band__body {
  margin: 0;
  max-width: none;
  font-size: 17px;
  line-height: 1.65;
  color: var(--km-text);
}

.pf-story__media {
  display: flex;
  align-items: center;
  align-self: center;
  justify-content: flex-end;
  min-width: 0;
}

.pf-story__media img {
  width: 100%;
  max-width: 480px;
  height: auto;
  object-fit: contain;
}

.pf-lockup {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.pf-lockup--on-dark {
  --pf-lockup-separator: var(--pf-white);
}

.pf-lockup--on-light {
  --pf-lockup-separator: rgba(0, 75, 90, 0.4);
}

.pf-lockup--compact,
.pf-lockup--in-panel {
  align-items: flex-start;
  text-align: left;
  margin: 0 0 36px;
  max-width: 100%;
}

.pf-lockup--in-panel {
  --pf-lockup-height: 18px;
  --pf-lockup-separator-height: 18px;
  width: 100%;
  max-width: 100%;
  min-width: 0;
}

.pf-lockup__row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
}

.pf-lockup__kamuno {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  min-width: 0;
}

.pf-lockup--in-panel .pf-lockup__kamuno {
  position: relative;
  top: -10px;
}

.pf-lockup__byline {
  margin: 0;
  font-family: var(--pf-font-body);
  font-size: 10px;
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: 0.01em;
  white-space: nowrap;
  color: rgba(255, 255, 255, 0.4);
}

.pf-lockup--on-light .pf-lockup__byline {
  color: rgba(0, 75, 90, 0.55);
}

.pf-lockup--compact .pf-lockup__row,
.pf-lockup--in-panel .pf-lockup__row {
  justify-content: flex-start;
  flex-wrap: nowrap;
  width: 100%;
  max-width: 100%;
  min-width: 0;
  gap: 12px;
}

.pf-lockup--in-panel .pf-lockup__logo--postfinance {
  height: 18px;
  width: auto;
  max-width: 128px;
  flex: 0 1 auto;
  min-width: 0;
}

.pf-lockup--in-panel .pf-lockup__logo--kamuno {
  height: 13px;
  width: auto;
  max-width: 96px;
  flex: 0 1 auto;
  min-width: 0;
  position: relative;
  top: -1px;
}

.pf-lockup__separator {
  width: 1px;
  height: var(--pf-lockup-separator-height);
  background: var(--pf-lockup-separator);
  opacity: 0.5;
  flex-shrink: 0;
}

.pf-lockup--on-light .pf-lockup__separator {
  opacity: 1;
}

.pf-lockup__logo {
  width: auto;
  max-width: none;
  object-fit: contain;
  object-position: center;
}

.pf-lockup__logo--postfinance {
  height: var(--pf-lockup-height);
}

.pf-lockup__logo--kamuno {
  height: calc(var(--pf-lockup-height) - 6px);
  max-height: var(--pf-lockup-separator-height);
}

.pf-lockup--compact {
  --pf-lockup-height: 22px;
  --pf-lockup-separator-height: 22px;
}

.pf-text-link:focus-visible,
.pf-faq details summary:focus-visible {
  outline: 2px solid var(--km-green);
  outline-offset: 3px;
}

.pf-section {
  padding: clamp(56px, 8vw, 88px) 0;
}

#warum {
  padding-top: 0;
  padding-bottom: 0;
}

#kmu-kredit {
  padding-bottom: 0;
}

.pf-section--muted {
  background: var(--km-surface);
}

.pf-section__title {
  margin: 0 0 16px;
  max-width: 20ch;
  font-family: var(--pf-font-title);
  font-size: 42px;
  font-weight: 500;
  line-height: 1.14;
  letter-spacing: -0.015em;
  color: #12354a;
}

.pf-section--benefits .pf-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: stretch;
  column-gap: clamp(16px, 3vw, 40px);
  row-gap: clamp(16px, 2vw, 24px);
}

.pf-benefits-intro {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 12px;
  grid-column: 1;
  min-width: 0;
  align-self: stretch;
  min-height: 100%;
}

.pf-section--benefits .pf-section-title-illustration {
  display: block;
  width: 100%;
  max-width: 100%;
  height: auto;
  margin-top: auto;
  object-fit: contain;
  object-position: left bottom;
}

.pf-section--benefits .pf-section__title {
  max-width: none;
  width: 100%;
  margin: 0;
  flex: 0 0 auto;
}

.pf-section--benefits .pf-cards {
  grid-column: 2;
  grid-row: 1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  align-self: start;
}

.pf-section--benefits .pf-card:last-child:nth-child(3) {
  grid-column: 1 / -1;
}

.pf-section__lead {
  margin: 0 0 28px;
  max-width: 42rem;
  font-size: 17px;
}

.pf-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.pf-card {
  padding: 24px;
  background: var(--km-surface);
  border: none;
  border-radius: var(--pf-radius);
  box-shadow: none;
}

.pf-card__icon {
  display: block;
  width: 48px;
  height: 48px;
  margin: 0 0 12px;
}

.pf-card h3 {
  margin: 0 0 8px;
  font-family: var(--pf-font-title);
  font-size: 14px;
  font-weight: 500;
  color: #21b058;
}

.pf-card p {
  margin: 0;
}

.pf-section--highlights {
  padding-top: clamp(24px, 4vw, 40px);
  padding-bottom: 0;
}

.pf-highlights {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.pf-highlight {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  min-height: 100%;
  padding: 32px 22px 28px;
  background: #004b5a;
  border-radius: var(--pf-radius);
  color: var(--pf-white);
}

.pf-highlight__icon {
  width: 72px;
  height: 72px;
  margin: 0 0 18px;
  object-fit: contain;
}

.pf-highlight h3 {
  margin: 0 0 12px;
  font-family: var(--pf-font-title);
  font-size: 1.8rem;
  font-weight: 700;
  line-height: 1.3;
  color: var(--pf-white);
}

.pf-highlight p {
  margin: 0;
  font-size: 15px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.92);
}

.pf-mid-cta {
  margin: 0;
  padding: clamp(24px, 4vw, 40px) 0;
  background: var(--pf-white);
  overflow: visible;
}

.pf-section--highlights + .pf-mid-cta {
  padding-top: 16px;
}

.pf-mid-cta .pf-story__grid {
  grid-template-columns: 1fr;
  justify-items: center;
  width: var(--pf-card-width);
  padding-top: 100px;
  padding-bottom: 100px;
  text-align: center;
  background: #f7f8fe;
  border-radius: 32px;
  overflow: hidden;
}

.pf-mid-cta .pf-story__copy {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: 100%;
  text-align: center;
}

.pf-mid-cta__title {
  margin-bottom: 16px;
  margin-left: auto;
  margin-right: auto;
  max-width: none;
  text-align: center;
  font-size: 30px;
  color: var(--pf-petrol);
}

.pf-mid-cta__body {
  width: 100%;
  margin: 0 auto 32px;
  padding-inline: clamp(16px, 4vw, 40px);
  box-sizing: border-box;
  font-size: 17px;
  line-height: 1.55;
  color: #045c6c;
  text-align: center;
}

.pf-mid-cta__lockup {
  --pf-lockup-height: 40px;
  --pf-lockup-separator-height: 40px;
  margin: 20px 0 0;
}

.pf-mid-cta__lockup .pf-lockup__row {
  justify-content: center;
  flex-wrap: nowrap;
  gap: 12px;
  min-width: 0;
}

.pf-mid-cta__lockup .pf-lockup__kamuno {
  position: relative;
  top: -10px;
}

.pf-mid-cta__lockup .pf-lockup__logo--postfinance {
  height: 40px;
  width: auto;
  max-width: 242px;
  flex: 0 1 auto;
  min-width: 0;
}

.pf-mid-cta__lockup .pf-lockup__logo--kamuno {
  height: 13px;
  width: auto;
  max-width: 96px;
  flex: 0 1 auto;
  min-width: 0;
  position: relative;
  top: -1px;
}

.pf-mid-cta__button,
.pf-mid-cta__button:link,
.pf-mid-cta__button:visited {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  font-size: 13.7px;
  font-weight: 400;
}

.pf-contact {
  background: var(--pf-white);
}

.pf-contact__grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(36px, 6vw, 80px);
  align-items: center;
}

.pf-contact__title {
  max-width: 14ch;
}

.pf-contact__lead {
  margin: 0 0 28px;
  max-width: 36rem;
  font-size: 17px;
  line-height: 1.65;
  color: var(--km-muted);
}

.pf-contact__line {
  margin: 0 0 8px;
  font-size: 16px;
  line-height: 1.55;
  color: var(--km-muted);
}

.pf-contact__line span {
  margin-right: 0.35em;
}

.pf-contact__mail {
  color: var(--km-orange);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 0.18em;
}

.pf-contact__mail:hover,
.pf-contact__mail:focus-visible {
  color: #d46b30;
}

.pf-contact__phone {
  color: var(--km-navy);
  font-weight: 700;
  text-decoration: none;
}

.pf-contact__phone:hover,
.pf-contact__phone:focus-visible {
  text-decoration: underline;
  text-underline-offset: 0.18em;
}

.pf-contact__cta,
.pf-contact__cta:link,
.pf-contact__cta:visited {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 28px;
  min-height: 48px;
  font-size: 13.7px;
  font-weight: 400;
}

.pf-contact__media img {
  width: 80%;
  height: auto;
  border-radius: 0;
  object-fit: contain;
}

.pf-product {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
  gap: clamp(24px, 4vw, 48px);
  align-items: start;
}

.pf-credit {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(36px, 6vw, 80px);
  align-items: center;
}

.pf-credit--flip {
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
}

.pf-credit--flip .pf-credit__visual,
#kosten .pf-credit__visual {
  padding: 0;
}

.pf-credit--flip .pf-credit__visual img,
#kosten .pf-credit__visual img {
  width: 80%;
  border-radius: 0;
}

.pf-credit .pf-section__title {
  max-width: none;
}

.pf-credit .pf-section__lead {
  margin-bottom: 22px;
  max-width: none;
  font-size: 16px;
  font-weight: 400;
  line-height: 1.65;
  letter-spacing: 0.5px;
  color: var(--km-muted);
}

.pf-credit__list {
  margin: 0 0 28px;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 14px;
}

.pf-credit__list li {
  position: relative;
  padding-left: 30px;
  color: var(--km-muted);
  font-size: 16px;
  line-height: 1.5;
}

.pf-credit__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.22em;
  width: 18px;
  height: 18px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%23ffcc00' d='M6.1 12.6 1.6 8.1l1.5-1.5 3 3 7-7 1.5 1.5z'/%3E%3C/svg%3E")
    center / 18px 18px no-repeat;
}

.pf-credit__cta,
.pf-credit__cta:link,
.pf-credit__cta:visited {
  font-size: 13.7px;
  font-weight: 400;
}

.pf-credit__visual {
  min-width: 0;
  padding: clamp(12px, 2.5vw, 28px);
  border-radius: 48px;
}

.pf-credit__note {
  margin: 12px 0 0;
  max-width: none;
  font-size: 13px;
  line-height: 1.45;
  color: var(--km-muted);
  text-align: center;
}

.pf-credit__note-br {
  display: none;
}

@media (min-width: 751px) {
  .pf-credit__note-br {
    display: block;
  }
}

.pf-credit__visual img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 32px;
}

.pf-credit__visual--diagram {
  padding: 0;
  border-radius: 0;
}

.pf-credit__visual--diagram img,
.pf-credit--flip .pf-credit__visual--diagram img {
  width: 85%;
  height: auto;
  margin-left: auto;
  margin-right: auto;
  border-radius: 0;
  object-fit: contain;
}

.pf-trust {
  padding: 28px;
  background: var(--pf-white);
  border-radius: var(--pf-radius);
  border: 1px solid var(--km-stroke);
  border-top: 4px solid var(--pf-yellow);
}

.pf-trust__eyebrow {
  margin: 0 0 8px;
  font-size: 13px;
  font-weight: 400;
  color: var(--km-muted);
}

.pf-trust__title {
  margin: 0 0 12px;
  font-family: var(--pf-font-title);
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--km-navy);
}

.pf-trust__body {
  margin: 0;
}

.pf-fees__details {
  margin: 0;
  max-width: none;
  font-size: 16px;
  line-height: 1.65;
  color: var(--km-muted);
}

.pf-fees__details .pf-text-link {
  text-decoration: underline;
  text-underline-offset: 2px;
}

.pf-credit--flip .pf-section__title {
  max-width: none;
}

.pf-fees__disclaimer {
  margin: 0 0 16px;
  max-width: 46rem;
  font-size: 14px;
  color: var(--km-muted);
}

.pf-text-link {
  color: #1f8f4c;
  font-weight: 700;
}

.pf-text-link:hover,
.pf-text-link:focus-visible {
  color: var(--km-green-dark);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.pf-section--quote {
  background: var(--km-navy);
  color: var(--pf-white);
}

.pf-quote {
  margin: 0;
  max-width: 40rem;
}

.pf-quote p {
  margin: 0 0 20px;
  font-family: var(--pf-font-title);
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 500;
  line-height: 1.35;
}

.pf-quote footer {
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-style: normal;
  color: rgba(255, 255, 255, 0.78);
}

.pf-quote cite {
  font-style: normal;
  font-weight: 700;
  color: var(--pf-white);
}

.pf-faq {
  max-width: 800px;
}

.pf-faq-list {
  display: grid;
  gap: 10px;
  margin-top: 8px;
}

.pf-faq details {
  background: var(--pf-white);
  border: 1px solid var(--km-stroke);
  border-radius: 14px;
  padding: 0 18px;
}

.pf-faq summary {
  cursor: pointer;
  list-style: none;
  padding: 16px 0;
  font-weight: 700;
  color: var(--km-navy);
}

.pf-faq summary::-webkit-details-marker {
  display: none;
}

.pf-faq details p {
  margin: 0 0 16px;
}

html.has-header-on-dark body.page-postfinance-firmenkredit header.header .header-top .lang-dropdown .lang-list .lang-btn {
  color: #142c33;
}

@media (max-width: 1024px) {
  :root {
    --pf-gutter: 28px;
  }
}

@media (max-width: 600px) {
  :root {
    --pf-gutter: 20px;
  }
}

@media (max-width: 1100px) {
  .pf-highlights {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 750px) {
  .pf-cards,
  .pf-product,
  .pf-credit,
  .pf-split-hero,
  .pf-story__grid,
  .pf-story-band .pf-wrap,
  .pf-contact__grid,
  .pf-highlights {
    grid-template-columns: 1fr;
  }

  .pf-section--benefits .pf-wrap {
    grid-template-columns: 1fr;
  }

  .pf-section--benefits .pf-cards {
    grid-column: 1;
    grid-row: auto;
    grid-template-columns: 1fr;
  }

  .pf-section--benefits .pf-card:last-child:nth-child(3) {
    grid-column: auto;
  }

  .pf-section--benefits .pf-section-title-illustration {
    width: 100%;
    max-width: 420px;
  }

  .pf-benefits-intro {
    grid-column: 1;
  }

  .pf-check__card {
    padding: 24px 20px 28px;
  }

  .pf-split-hero__cta,
  .pf-split-hero__cta:link,
  .pf-split-hero__cta:visited,
  .pf-check__cta,
  .pf-check__cta:link,
  .pf-check__cta:visited,
  .pf-credit__cta,
  .pf-credit__cta:link,
  .pf-credit__cta:visited,
  .pf-mid-cta__button,
  .pf-mid-cta__button:link,
  .pf-mid-cta__button:visited {
    display: flex;
    width: 100%;
    min-width: 0;
    box-sizing: border-box;
    justify-content: center;
  }

  .pf-contact__cta,
  .pf-contact__cta:link,
  .pf-contact__cta:visited {
    display: inline-flex;
    width: auto;
    max-width: 100%;
  }

  .pf-credit .pf-section__title,
  .pf-credit--flip .pf-section__title {
    max-width: none;
  }

  .pf-story .pf-story__grid {
    padding-bottom: clamp(28px, 8vw, 40px);
    border-radius: 20px;
  }

  .pf-partner-bar__split {
    border-radius: 20px;
  }

  .pf-story-band .pf-wrap {
    border-radius: 0 0 20px 20px;
  }

  .pf-mid-cta .pf-story__grid {
    border-radius: 20px;
  }

  .pf-story__title {
    max-width: none;
  }

  .pf-story .pf-story__title {
    font-size: clamp(28px, 8vw, 50px);
  }

  .pf-story__media,
  .pf-credit__visual,
  .pf-contact__media {
    order: -1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
  }

  .pf-story__media {
    padding-right: 0;
  }

  .pf-story__media img,
  .pf-credit__visual img,
  .pf-credit--flip .pf-credit__visual img,
  .pf-contact__media img {
    display: block;
    margin-left: auto;
    margin-right: auto;
  }

  .pf-story__media img {
    max-width: min(353px, 100%);
  }

  .pf-split-hero {
    grid-template-columns: 1fr;
    min-height: 0;
    border-radius: 20px;
  }

  .pf-split-hero__media,
  .pf-cobrand-hero__image-wrapper {
    grid-column: auto;
    grid-row: 1;
    position: relative;
    z-index: 1;
    min-height: 0;
    height: auto;
    aspect-ratio: 16 / 10;
    overflow: hidden;
    border-radius: 20px 20px 0 0;
  }

  .pf-split-hero__panel {
    grid-column: auto;
    grid-row: 2;
    width: 100%;
    margin-left: 0;
    padding: 8px 24px 32px;
  }

  .pf-lockup--in-panel .pf-lockup__logo--postfinance {
    max-width: 128px;
    height: 18px;
  }

  .pf-lockup--in-panel .pf-lockup__logo--kamuno {
    max-width: 96px;
    height: 13px;
  }

  .pf-section__title,
  .pf-contact__title {
    max-width: none;
    font-size: clamp(28px, 7vw, 42px);
  }

  .pf-lockup {
    --pf-lockup-height: 24px;
    --pf-lockup-separator-height: 24px;
  }

  .pf-lockup__row {
    gap: 12px;
  }
}

@media (max-width: 520px) {
  .pf-split-hero {
    border-radius: 20px;
  }

  .pf-split-hero__cta,
  .pf-split-hero__cta:link,
  .pf-split-hero__cta:visited {
    width: 100%;
  }

  .pf-lockup__row {
    flex-wrap: nowrap;
    row-gap: 10px;
  }
}

/* ── Scroll / load animations (aligned with kmu-studie) ── */
html.js .animate-in {
  opacity: 0;
  transform: translate3d(0, 22px, 0);
  transition:
    opacity var(--motion-in-duration) var(--motion-in-ease),
    transform var(--motion-in-duration) var(--motion-in-ease);
  will-change: opacity, transform;
}

html.js .animate-in.is-in-view {
  opacity: 1;
  transform: none;
  will-change: auto;
}

html.js .section-scroll-reveal {
  opacity: 0;
  transform: translate3d(0, 26px, 0);
  transition:
    opacity 700ms var(--motion-in-ease),
    transform 700ms var(--motion-in-ease);
}

html.js .section-scroll-reveal.is-in-view {
  opacity: 1;
  transform: none;
}

html.js .animate-in-delay-1 { transition-delay: var(--motion-stagger-step); }
html.js .animate-in-delay-2 { transition-delay: calc(var(--motion-stagger-step) * 2); }
html.js .animate-in-delay-3 { transition-delay: calc(var(--motion-stagger-step) * 3); }
html.js .animate-in-delay-4 { transition-delay: calc(var(--motion-stagger-step) * 4); }
html.js .animate-in-delay-5 { transition-delay: calc(var(--motion-stagger-step) * 5); }

html.js .hero-entrance-line {
  opacity: 0;
  transform: translate3d(0, 20px, 0);
  transition:
    opacity 560ms var(--motion-in-ease),
    transform 560ms var(--motion-in-ease);
}

html.js .pf-hero.hero-anim--ready .hero-entrance-line {
  opacity: 1;
  transform: none;
}

html.js .pf-hero.hero-anim--ready .pf-split-hero__panel > .hero-entrance-line:nth-child(1) {
  transition-delay: 80ms;
}

/* ── PostFinance data privacy confirmation ── */
body.pf-privacy-modal-open {
  overflow: hidden;
}

.pf-privacy-modal[hidden] {
  display: none;
}

.pf-privacy-modal {
  position: fixed;
  inset: 0;
  z-index: 10050;
  display: grid;
  place-items: center;
  padding: 24px;
}

.pf-privacy-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(20, 44, 51, 0.62);
  opacity: 0;
  transition: opacity 180ms ease;
}

.pf-privacy-modal__dialog {
  position: relative;
  width: min(640px, 100%);
  max-height: min(760px, calc(100dvh - 48px));
  overflow-y: auto;
  padding: clamp(28px, 5vw, 44px);
  border: 1px solid rgba(147, 155, 163, 0.32);
  border-radius: 20px;
  background: #ffffff;
  box-shadow: 0 24px 70px rgba(20, 44, 51, 0.24);
  opacity: 0;
  transform: translateY(12px) scale(0.985);
  transition:
    opacity 180ms ease,
    transform 180ms ease;
}

.pf-privacy-modal.is-open .pf-privacy-modal__backdrop,
.pf-privacy-modal.is-open .pf-privacy-modal__dialog {
  opacity: 1;
}

.pf-privacy-modal.is-open .pf-privacy-modal__dialog {
  transform: translateY(0) scale(1);
}

.pf-privacy-modal__close {
  position: absolute;
  top: 14px;
  right: 14px;
  display: grid;
  width: 44px;
  height: 44px;
  padding: 0;
  place-items: center;
  border: 0;
  border-radius: 50%;
  color: var(--km-navy);
  background: transparent;
  font: inherit;
  font-size: 30px;
  line-height: 1;
  cursor: pointer;
}

.pf-privacy-modal__close:hover {
  background: var(--km-surface);
}

.pf-privacy-modal__title {
  margin: 0 48px 10px 0;
  color: var(--km-navy);
  font-family: var(--pf-font-title);
  font-size: clamp(27px, 4vw, 36px);
  font-weight: 500;
  line-height: 1.15;
}

.pf-privacy-modal__lead {
  margin: 0 0 26px;
  color: var(--km-muted);
  font-size: 15px;
  line-height: 1.55;
}

.pf-privacy-modal__form {
  margin: 0;
}

.pf-privacy-modal__consent {
  display: grid;
  grid-template-columns: 24px minmax(0, 1fr);
  gap: 14px;
  align-items: start;
  color: var(--km-text);
  font-size: 15px;
  line-height: 1.6;
  cursor: pointer;
}

.pf-privacy-modal__consent input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
}

.pf-privacy-modal__checkbox {
  display: grid;
  width: 24px;
  height: 24px;
  margin-top: 1px;
  place-items: center;
  border: 1.5px solid #728087;
  border-radius: 5px;
  background: #ffffff;
  transition:
    border-color 150ms ease,
    background-color 150ms ease;
}

.pf-privacy-modal__checkbox::after {
  width: 6px;
  height: 11px;
  border: solid #ffffff;
  border-width: 0 2px 2px 0;
  content: "";
  opacity: 0;
  transform: translateY(-1px) rotate(45deg) scale(0.7);
  transition:
    opacity 150ms ease,
    transform 150ms ease;
}

.pf-privacy-modal__consent input:checked + .pf-privacy-modal__checkbox {
  border-color: var(--km-green-dark);
  background: var(--km-green-dark);
}

.pf-privacy-modal__consent input:checked + .pf-privacy-modal__checkbox::after {
  opacity: 1;
  transform: translateY(-1px) rotate(45deg) scale(1);
}

.pf-privacy-modal__consent input:focus-visible + .pf-privacy-modal__checkbox {
  outline: 3px solid rgba(39, 208, 104, 0.25);
  outline-offset: 2px;
}

.pf-privacy-modal__consent.is-required-highlight
  .pf-privacy-modal__checkbox {
  border-color: #c7483d;
  outline: 4px solid rgba(199, 72, 61, 0.16);
  animation: pf-privacy-required 420ms ease;
}

@keyframes pf-privacy-required {
  0%,
  100% {
    transform: translateX(0);
  }
  30% {
    transform: translateX(-4px);
  }
  60% {
    transform: translateX(4px);
  }
}

.pf-privacy-modal__policy {
  color: var(--km-orange);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.pf-privacy-modal__policy:hover,
.pf-privacy-modal__policy:focus-visible {
  color: #cf6430;
}

.pf-privacy-modal__actions {
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  margin-top: 30px;
}

.pf-privacy-modal__continue {
  min-height: 48px;
  min-width: 181px;
  padding: 11px 28px;
  border-radius: var(--radius-large);
  font-family: var(--pf-font-title);
  font-size: var(--font-text-btn);
  font-weight: var(--weight-light);
  line-height: 1.2;
  cursor: pointer;
  transition:
    color 180ms ease,
    border-color 180ms ease,
    background-color 180ms ease;
}

button.pf-privacy-modal__continue {
  border: 1px solid var(--color-primary);
  color: #ffffff;
  background: var(--color-primary);
}

button.pf-privacy-modal__continue:hover,
button.pf-privacy-modal__continue:focus-visible {
  border-color: var(--color-primary-dark);
  color: #ffffff;
  background: var(--color-primary-dark);
}

@media (max-width: 520px) {
  .pf-privacy-modal {
    align-items: end;
    padding: 12px;
  }

  .pf-privacy-modal__dialog {
    max-height: calc(100dvh - 24px);
    padding: 28px 22px 22px;
    border-radius: 20px;
  }

  .pf-privacy-modal__actions {
    display: block;
  }

  .pf-privacy-modal__continue {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  .pf-privacy-modal__backdrop,
  .pf-privacy-modal__dialog {
    transition: none;
  }
}

html.js .pf-hero.hero-anim--ready .pf-split-hero__panel > .hero-entrance-line:nth-child(2) {
  transition-delay: 180ms;
}

html.js .pf-hero.hero-anim--ready .pf-split-hero__panel > .hero-entrance-line:nth-child(3) {
  transition-delay: 280ms;
}

html.js .pf-hero.hero-anim--ready .pf-split-hero__panel > .hero-entrance-line:nth-child(4) {
  transition-delay: 380ms;
}

html.js .pf-split-hero__media.hero-entrance-bg {
  opacity: 0.82;
  transform: translate3d(34px, 0, 0) scale(1.03);
  transition:
    transform 880ms var(--motion-in-ease),
    opacity 720ms var(--motion-in-ease);
}

html.js .pf-split-hero__media.hero-entrance-bg.hero-anim--img-ready {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  html.js .animate-in,
  html.js .hero-entrance-line,
  html.js .pf-split-hero__media.hero-entrance-bg,
  html.js .section-scroll-reveal {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
}