/* Kredit4you V49 – Partner & Tippgeber, aligned with the live banking-style homepage. */
.k49-page{color:#102b40;background:#fff;font-family:"DM Sans",Arial,sans-serif}
.k49-page *{box-sizing:border-box}
.k49-page [hidden]{display:none!important}
.k49-page h1,.k49-page h2,.k49-page h3{font-family:Manrope,Arial,sans-serif}
.k49-page .wrap{width:min(1320px,calc(100% - 84px));margin-inline:auto}
.k49-page .utility{background:#0d2d46;color:#dce9ef;font-size:11px}
.k49-page .utility-inner{min-height:36px}
.k49-page .header{position:sticky;z-index:70;top:0;border-bottom:1px solid #e3eaee;background:#fff;box-shadow:0 4px 22px rgba(19,42,58,.02)}
.k49-page .head-inner{min-height:86px;gap:20px}
.k49-page .brand{min-width:174px}
.k49-page .brand-name{font-size:28px;letter-spacing:-.075em;color:#143c56}
.k49-page .brand-name>span:nth-child(1){color:#d9792c}
.k49-page .brand-claim{font-size:10px}
.k49-page .nav{display:flex;gap:18px;white-space:nowrap}
.k49-page .nav a{font-size:11px;font-weight:800;padding:31px 0}
.k49-page .nav a.active:after{bottom:24px}
.k49-page .k49-head-cta{display:flex}
.k49-page .header-cta{font-size:11px;border-radius:7px;padding:14px 17px}
.k49-languages{display:flex;align-items:center;gap:2px;border:1px solid #dce5eb;padding:4px;border-radius:7px;background:#f7fafb;white-space:nowrap}
.k49-languages a{font-size:10px;padding:7px 8px;color:#3e6578;border-radius:5px;font-weight:800}
.k49-languages a.current{background:#0e5571;color:#fff}
.k49-page .k49-toggle{display:none}
.k49-mobile-menu{background:#fff;border-top:1px solid #e3ebef;box-shadow:0 20px 30px rgba(0,24,44,.14);padding:12px 24px 22px}
.k49-mobile-menu a{display:block;color:#15384f;font-weight:750;font-size:14px;padding:13px 16px;border-bottom:1px solid #e6edf0}
.k49-mobile-menu a[aria-current]{color:#087e8b}
.k49-mobile-menu .k49-mobile-cta{margin-top:13px;background:#113c59;color:#fff;border-radius:6px;text-align:center}
.k49-hero{background:linear-gradient(120deg,#f3f6f8 0%,#fff 60%,#ecf4f3 100%);padding:40px 0 45px}
.k49-hero-layout{display:grid;grid-template-columns:47% 53%;gap:32px;min-height:540px;align-items:center}
.k49-hero-copy{min-width:0;display:flex;flex-direction:column;align-items:flex-start;padding:13px 27px 11px 0}
.k49-kicker{display:flex;align-items:center;gap:11px;letter-spacing:.16em;color:#417d8d;text-transform:uppercase;font-size:11px;font-weight:800}
.k49-kicker>span{height:2px;width:26px;background:#c87831;flex:none}
.k49-eyebrow{color:#607a87;font-size:13px;letter-spacing:.015em;margin:19px 0 9px;font-weight:700}
.k49-hero h1{font-size:clamp(37px,3.65vw,61px);font-weight:800;letter-spacing:-.058em;line-height:1.15;margin:0 0 18px;color:#0f2c44;text-wrap:balance}
.k49-hero h1 span{background:linear-gradient(110deg,#20758a,#168c84);-webkit-background-clip:text;background-clip:text;color:transparent}
.k49-lead{font-size:16px;line-height:1.8;color:#5b7280;max-width:585px;margin:0}
.k49-hero-points{display:grid;gap:9px;margin:23px 0 27px}
.k49-hero-points>div{display:flex;align-items:flex-start;gap:9px;font-size:13px;font-weight:750;color:#274b61}
.k49-check{color:#128b79;font-weight:900;font-size:16px;line-height:1}
.k49-actions{display:flex;flex-wrap:wrap;gap:10px}
.k49-page .btn{min-height:52px;gap:18px;font-size:13px}
.k49-page .btn.primary{background:#103b59;color:#fff;border-radius:7px}
.k49-page .btn.light{background:#eaf6f5;border-color:#aedbd6;color:#0b5863;border-radius:7px}
.k49-page .btn:hover{transform:translateY(-2px)}
.k49-visual{position:relative;height:535px;border-radius:18px;overflow:hidden;isolation:isolate;box-shadow:0 24px 55px rgba(12,40,60,.14);background:#d6e2e8}
.k49-slides{position:absolute;inset:0}
.k49-slide{position:absolute;inset:0;margin:0;opacity:0;visibility:hidden;transition:opacity .65s ease,visibility .65s ease}
.k49-slide.active{opacity:1;visibility:visible;z-index:1}
.k49-slide img{width:100%;height:100%;object-fit:cover;object-position:center}
.k49-slide:after{content:"";position:absolute;inset:30% 0 0;background:linear-gradient(to bottom,transparent,rgba(4,26,44,.86));pointer-events:none}
.k49-slide figcaption{position:absolute;z-index:2;bottom:69px;left:36px;right:70px;color:#fff;display:flex;align-items:flex-start;flex-direction:column;gap:7px}
.k49-slide figcaption strong{font-size:29px;line-height:1.15;letter-spacing:-.035em;max-width:450px}
.k49-slide figcaption>span:last-child{font-size:13px;line-height:1.5;color:#e1eff1;max-width:440px}
.k49-photo-label{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.26);border-radius:4px;padding:4px 9px;font-size:10px;letter-spacing:.08em;text-transform:uppercase}
.k49-slider-controls{z-index:3;position:absolute;bottom:16px;right:17px;display:flex;align-items:center;gap:12px;color:#fff;background:rgba(5,38,57,.75);backdrop-filter:blur(5px);border:1px solid rgba(255,255,255,.16);border-radius:7px;padding:6px 9px}
.k49-slider-controls button{width:35px;height:35px;border:0;background:rgba(255,255,255,.14);color:#fff;font-size:21px;border-radius:5px}
.k49-slider-controls button:hover{background:#187e8d}
.k49-slider-controls span{font-size:11px;font-weight:800;letter-spacing:.1em}
.k49-picture-stamp{z-index:3;position:absolute;top:20px;right:20px;padding:11px 15px;color:#f1fafb;background:rgba(9,44,59,.76);font-size:12px;font-weight:700;border-radius:7px;display:flex;align-items:center;gap:8px}
.k49-stamp-dot{height:7px;width:7px;border-radius:50%;background:#72cabc}
.k49-benefit-strip{background:#fff;border-bottom:1px solid #e1ebef}
.k49-benefits{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;padding:18px 0}
.k49-benefit{display:flex;gap:11px;align-items:flex-start;padding:12px 9px}
.k49-benefit:not(:last-child){border-right:1px solid #e8eef0}
.k49-benefit-icon{width:43px;height:43px;background:#e7f3f9;color:#226889;border-radius:12px;flex:none;display:grid;place-items:center;font-size:17px}
.k49-benefit:nth-child(even) .k49-benefit-icon{background:#e0f3ed;color:#118a72}
.k49-benefit strong{font-size:12px;display:block;line-height:1.3;margin-bottom:5px;color:#1a3c55}
.k49-benefit small{font-size:11px;line-height:1.55;color:#6b808d;display:block}
.k49-section{padding:90px 0}
.k49-section-soft{background:#f3f7f9}
.k49-section-head{max-width:810px;margin:0 auto 37px;text-align:center}
.k49-section-head .k49-kicker{justify-content:center;margin-bottom:14px}
.k49-section-head h2{font-size:clamp(30px,3vw,44px);line-height:1.22;margin-bottom:11px;letter-spacing:-.048em}
.k49-section-head p{font-size:15px;color:#647985;margin:0}
.k49-feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.k49-feature{background:#fff;border-radius:13px;border:1px solid #dce7eb;padding:29px;min-height:220px;box-shadow:0 12px 29px rgba(21,57,79,.028)}
.k49-feature-icon{width:50px;height:50px;display:grid;place-items:center;border-radius:12px;background:#e4f2f5;color:#147b8b;font-size:21px;margin-bottom:19px}
.k49-feature h3{font-size:19px;letter-spacing:-.036em;line-height:1.25;margin:0 0 10px}
.k49-feature p{color:#687b86;font-size:13px;line-height:1.7;margin:0}
.k49-process{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.k49-step{position:relative;background:#f8fbfc;border:1px solid #deeaee;border-radius:12px;padding:24px}
.k49-step>span{display:grid;place-items:center;width:43px;height:43px;background:#0f6380;color:#fff;border-radius:10px;font-size:14px;font-weight:900;margin-bottom:20px}
.k49-step h3{font-size:19px;margin-bottom:8px}
.k49-step p{font-size:13px;line-height:1.7;margin:0}
.k49-showcases{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:21px}
.k49-showcase{background:#fff;border:1px solid #e1eaf0;border-radius:14px;overflow:hidden;box-shadow:0 14px 38px rgba(15,45,65,.04)}
.k49-showcase>img{width:100%;height:310px;object-fit:cover;object-position:center}
.k49-showcase-content{padding:30px 31px 33px}
.k49-showcase .k49-kicker{font-size:10px;margin-bottom:12px}
.k49-showcase h3{font-size:26px;margin:0 0 10px}
.k49-showcase p{font-size:14px;margin:0 0 14px}
.k49-list{margin:15px 0 0;padding:0;list-style:none;display:grid;gap:11px}
.k49-list li{position:relative;padding-left:25px;font-size:13px;color:#2f5268;line-height:1.55}
.k49-list li:before{content:"✓";position:absolute;left:0;top:0;color:#118e77;font-weight:900}
.k49-audience{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.k49-aud{display:flex;align-items:flex-start;gap:15px;background:#fff;border:1px solid #e3eaef;border-radius:12px;padding:23px}
.k49-aud .k49-feature-icon{flex:none;margin:0}
.k49-aud h3{font-size:18px;margin:2px 0 7px}
.k49-aud p{font-size:13px;line-height:1.55;margin:0}
.k49-photo-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.k49-photo-card{overflow:hidden;background:#fff;border-radius:13px;border:1px solid #e2e9ee}
.k49-photo-card img{width:100%;height:220px;object-fit:cover}
.k49-photo-card>div{padding:20px}
.k49-photo-card>div>span{font-size:11px;color:#178c89;letter-spacing:.16em;font-weight:850}
.k49-photo-card h3{font-size:19px;margin:7px 0}
.k49-photo-card p{font-size:13px;margin:0}
.k49-qr-section{background:linear-gradient(130deg,#eaf2f6,#f9fbfc)}
.k49-qr-grid{display:grid;grid-template-columns:minmax(0,41fr) minmax(0,59fr);gap:75px;align-items:center}
.k49-qr-grid h2{font-size:clamp(30px,3vw,43px);line-height:1.25}
.k49-qr-grid h2 span{color:#168b8b}
.k49-qr-grid>div:nth-child(2)>p{max-width:570px}
.k49-qr-mock{max-width:390px;min-height:350px;margin:auto;padding:26px;text-align:center;background:#fff;border:1px solid #dfe8ed;border-radius:13px;box-shadow:16px 21px 1px #d8e6ea,0 15px 40px rgba(0,38,62,.09)}
.k49-mock-top{display:flex;align-items:center;justify-content:space-between;gap:12px;text-align:left}
.k49-mock-top .brand-name{font-size:23px}
.k49-mock-top small{max-width:100px;font-size:10px;color:#8798a5}
.k49-qr-symbol{margin:30px auto 19px;width:120px;height:120px;border:1px dashed #91a6b5;display:grid;place-items:center;font-size:87px;color:#24536b;background:#f4f8fa}
.k49-qr-mock>strong{font-size:17px;line-height:1.3;display:block}
.k49-qr-mock p{font-size:12px;margin:7px 0 0}
.k49-qr-grid .btn{margin-top:25px}
.k49-end{padding:62px 0;background:#fff}
.k49-cta{background:linear-gradient(115deg,#10344f 0%,#134a63 100%);color:#fff;border-radius:15px;padding:48px 60px;display:flex;align-items:center;justify-content:space-between;gap:55px}
.k49-cta .k49-kicker{color:#8dcfc9;margin-bottom:9px}
.k49-cta h2{color:#fff;font-size:clamp(27px,2.6vw,38px);margin:0 0 10px;max-width:800px}
.k49-cta p{color:#d4e5ec;font-size:14px;max-width:780px;margin:0}
.k49-cta .btn.k49-white{background:#fff;color:#113851;border-radius:7px;flex:none;font-weight:800}
.k49-footer{background:#0e2d45;color:#d5e2e8;padding:57px 0 25px}
.k49-footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:35px}
.k49-footer .brand-name{color:#fff;font-size:25px}
.k49-footer .brand-at{color:#fff}
.k49-footer .brand-claim{color:#aac1ce}
.k49-footer-brand p{font-size:13px;color:#aec1cc;max-width:280px;margin:15px 0 0}
.k49-footer-grid>div:not(:first-child){display:flex;flex-direction:column;align-items:flex-start;gap:12px}
.k49-footer-grid strong{font-size:13px;color:#fff;margin-bottom:4px}
.k49-footer-grid a:not(.brand){font-size:12px;color:#d2e0e8}
.k49-footer-grid a:not(.brand):hover{color:#fff;text-decoration:underline}
.k49-footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #34556b;margin-top:39px!important;padding-top:20px;font-size:11px;color:#aac0cd}
@media (max-width:1280px){
 .k49-page .nav{gap:12px}
 .k49-page .nav a{font-size:10px}
 .k49-page .brand{min-width:160px}
 .k49-page .head-inner{gap:12px}
 .k49-hero-copy{padding-right:14px}
}
@media (max-width:1150px){
 .k49-page .nav,.k49-page .k49-head-cta{display:none}
 .k49-page .k49-toggle{display:block;margin-left:3px}
 .k49-page .head-inner{min-height:79px;height:79px}
 .k49-page .k49-languages{margin-left:auto}
 .k49-hero-layout{grid-template-columns:1fr 1fr;min-height:480px}
 .k49-visual{height:485px}
 .k49-hero h1{font-size:clamp(33px,4vw,52px)}
 .k49-hero-copy{padding:0}
 .k49-benefits{grid-template-columns:repeat(2,1fr)}
 .k49-benefit:nth-child(2){border-right:0}
 .k49-feature-grid{grid-template-columns:repeat(2,1fr)}
 .k49-audience{grid-template-columns:repeat(2,1fr)}
 .k49-photo-grid{grid-template-columns:repeat(2,1fr)}
 .k49-qr-grid{gap:35px}
}
@media (max-width:760px){
 .k49-page .wrap{width:calc(100% - 34px)}
 .k49-page .utility{display:none}
 .k49-page .head-inner{height:70px;min-height:70px}
 .k49-page .brand{min-width:0}
 .k49-page .brand-name{font-size:23px}
 .k49-page .brand-claim{font-size:8px}
 .k49-languages{gap:1px;padding:3px}
 .k49-languages a{font-size:9px;padding:7px 6px}
 .k49-hero{padding:24px 0 28px}
 .k49-hero-layout{display:flex;flex-direction:column;gap:23px;min-height:0}
 .k49-hero-copy{width:100%}
 .k49-hero h1{font-size:clamp(34px,9.5vw,46px);line-height:1.16}
 .k49-hero .k49-lead{font-size:14px}
 .k49-hero-points{margin:18px 0 22px}
 .k49-actions{width:100%}
 .k49-actions .btn{flex:1 1 190px;font-size:12px}
 .k49-visual{width:100%;height:365px;border-radius:13px}
 .k49-slide figcaption{bottom:65px;left:22px;right:20px}
 .k49-slide figcaption strong{font-size:23px}
 .k49-slide figcaption>span:last-child{font-size:12px}
 .k49-picture-stamp{font-size:10px;top:12px;right:12px}
 .k49-slider-controls{bottom:12px;right:12px}
 .k49-benefits{grid-template-columns:repeat(2,minmax(0,1fr));gap:6px;padding:12px 0}
 .k49-benefit{padding:12px 6px;gap:9px}
 .k49-benefit:nth-child(even){border-right:0}
 .k49-benefit-icon{height:35px;width:35px;font-size:14px}
 .k49-benefit strong{font-size:11px}
 .k49-benefit small{font-size:10px}
 .k49-section{padding:59px 0}
 .k49-section-head{margin-bottom:24px}
 .k49-section-head h2{font-size:30px}
 .k49-section-head p{font-size:13px}
 .k49-feature-grid,.k49-showcases,.k49-audience{grid-template-columns:1fr;gap:12px}
 .k49-feature{padding:23px;min-height:0}
 .k49-process{grid-template-columns:repeat(2,minmax(0,1fr));gap:11px}
 .k49-step{padding:17px}
 .k49-step h3{font-size:16px}
 .k49-step p{font-size:12px}
 .k49-showcase>img{height:230px}
 .k49-showcase-content{padding:23px}
 .k49-showcase h3{font-size:23px}
 .k49-photo-grid{gap:12px}
 .k49-photo-card img{height:150px}
 .k49-photo-card>div{padding:14px}
 .k49-photo-card h3{font-size:15px}
 .k49-photo-card p{font-size:12px}
 .k49-qr-grid{grid-template-columns:1fr;gap:48px}
 .k49-qr-grid>div:nth-child(2){order:-1}
 .k49-qr-mock{box-shadow:9px 13px 1px #d8e6ea;width:min(100%,350px)}
 .k49-cta{padding:31px 25px;display:block}
 .k49-cta h2{font-size:27px}
 .k49-cta .btn{margin-top:22px;white-space:normal;text-align:center}
 .k49-footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:27px}
 .k49-footer-brand{grid-column:1/-1}
 .k49-footer-bottom{display:block}
 .k49-footer-bottom>span{display:block;margin-top:7px}
}
@media (max-width:370px){
 .k49-page .brand-name{font-size:20px}
 .k49-page .brand-claim{font-size:7px}
 .k49-languages a{padding:6px 5px}
 .k49-hero h1{font-size:32px}
 .k49-visual{height:315px}
 .k49-benefits{grid-template-columns:1fr 1fr}
 .k49-benefit small{font-size:9px}
 .k49-process{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
 .k49-slide,.k49-page .btn{transition:none}
}