import {AbsoluteFill, useCurrentFrame, interpolate, Sequence, Img} from 'remotion'
import React from 'react'

export type Scene = {
  type: string
  heading: string
  text: string
  image: string
  items: string[]
  pexels_images?: string[]
}

export type Caption = {
  start: number
  end: number
  text: string
}

export type StoryVideoProps = {
  title: string
  domain: string
  scenes: Scene[]
  postUrl: string
  thumbnail?: string
  audioFile?: string
  audioDurationSeconds?: number
  captions?: Caption[]
}

const MOTION_PRESETS = [
  { sx: 1.00, ex: 1.15, tx0:   0, tx1:   0, ty0:   0, ty1:   0 },
  { sx: 1.15, ex: 1.00, tx0:   0, tx1:   0, ty0:   0, ty1:   0 },
  { sx: 1.09, ex: 1.09, tx0:  55, tx1: -55, ty0:   0, ty1:   0 },
  { sx: 1.09, ex: 1.09, tx0: -55, tx1:  55, ty0:   0, ty1:   0 },
  { sx: 1.09, ex: 1.09, tx0:   0, tx1:   0, ty0:  38, ty1: -38 },
  { sx: 1.09, ex: 1.09, tx0:   0, tx1:   0, ty0: -38, ty1:  38 },
  { sx: 1.00, ex: 1.13, tx0: -38, tx1:  12, ty0:   0, ty1:   0 },
  { sx: 1.13, ex: 1.00, tx0:  12, tx1: -38, ty0:   0, ty1:   0 },
  { sx: 1.00, ex: 1.13, tx0:   0, tx1:   0, ty0:  28, ty1: -28 },
  { sx: 1.13, ex: 1.00, tx0:   0, tx1:   0, ty0: -28, ty1:  28 },
  { sx: 1.00, ex: 1.13, tx0: -28, tx1:  28, ty0: -20, ty1:  20 },
  { sx: 1.13, ex: 1.00, tx0:  28, tx1: -28, ty0:  20, ty1: -20 },
] as const

const NUM_MOTIONS = MOTION_PRESETS.length
const INTRO = 45
const OUTRO = 30
const FPS = 30
const CROSSFADE_FRAMES = 10

const clamp = (v: number, lo: number, hi: number) => Math.max(lo, Math.min(hi, v))
const normalizeText = (v?: string) => (v ?? '').replace(/\s+/g, ' ').trim()

const normalizeScene = (s: Partial<Scene>): Scene => ({
  type: String(s.type ?? 'section'),
  heading: normalizeText(s.heading),
  text: normalizeText(s.text),
  image: String(s.image ?? ''),
  items: Array.isArray(s.items) ? s.items.map(i => normalizeText(String(i))).filter(Boolean) : [],
  pexels_images: Array.isArray(s.pexels_images) ? s.pexels_images.filter(Boolean) : [],
})

const getSafeScenes = (scenes: Scene[] | undefined): Scene[] => {
  if (!Array.isArray(scenes) || scenes.length === 0) {
    return [{type: 'section', heading: '', text: '', image: '', items: [], pexels_images: []}]
  }
  return scenes.map(normalizeScene)
}

function buildGlobalImagePlan(scenes: Scene[]): {
  scenePexels: string[][]
  globalStartIndex: number[]
} {
  const scenePexels: string[][] = []
  const globalStartIndex: number[] = []
  let cursor = 0

  for (const scene of scenes) {
    const imgs = (scene.pexels_images ?? []).filter(Boolean)
    scenePexels.push(imgs)
    globalStartIndex.push(cursor)
    cursor += imgs.length
  }

  return {scenePexels, globalStartIndex}
}

const normalizeForMatch = (v?: string) =>
  (v ?? '')
    .toLowerCase()
    .normalize('NFD')
    .replace(/[\u0300-\u036f]/g, '')
    .replace(/[„“"‚‘'`´]/g, '')
    .replace(/[^a-z0-9äöüß\s]/gi, ' ')
    .replace(/\s+/g, ' ')
    .trim()

const wordsOf = (v?: string): string[] => normalizeForMatch(v).split(' ').filter(Boolean)

const buildSceneBlockText = (scene: Scene): string => {
  const parts: string[] = []
  if (scene.heading) parts.push(scene.heading)
  if (scene.text) parts.push(scene.text)
  if (scene.items.length) parts.push(scene.items.join('. '))
  return normalizeText(parts.join('. '))
}

const buildAnchors = (scene: Scene): string[] => {
  const anchors: string[] = []

  if (scene.heading) {
    const hw = wordsOf(scene.heading)
    if (hw.length >= 2) anchors.push(hw.slice(0, Math.min(5, hw.length)).join(' '))
  }

  if (scene.text) {
    const tw = wordsOf(scene.text)
    if (tw.length >= 3) anchors.push(tw.slice(0, Math.min(6, tw.length)).join(' '))
  }

  for (const item of scene.items.slice(0, 3)) {
    const iw = wordsOf(item)
    if (iw.length >= 2) anchors.push(iw.slice(0, Math.min(5, iw.length)).join(' '))
  }

  return anchors.filter(Boolean)
}

type SceneTiming = {
  from: number
  dur: number
  headingFrame: number
  itemsBaseFrame: number
  itemFrames: number[]
}

const fallbackSceneDurationInFrames = (scene: Scene) => {
  const combined = [scene.heading, scene.text, scene.items.join(' ')].filter(Boolean).join(' ')
  const words = combined.split(/\s+/).filter(Boolean).length
  const pauses = (combined.match(/[,:;.!?]/g) ?? []).length
  const bullets = scene.items.length * 10
  const headWords = scene.heading ? scene.heading.split(/\s+/).length : 0
  const headWeight = scene.heading ? Math.max(8, Math.round(headWords * 1.8)) : 0
  const bonus =
    scene.type === 'bullets'
      ? 12
      : scene.type === 'fazit'
      ? 8
      : 0
  const units = Math.max(12, words + pauses * 2 + bullets + headWeight + bonus)
  return clamp(Math.round((units / 2.7) * FPS), 84, 900)
}

const getFallbackSceneTimings = (scenes: Scene[], audioDurationSeconds?: number): SceneTiming[] => {
  const safe = getSafeScenes(scenes)
  let durs: number[]

  if (!audioDurationSeconds || audioDurationSeconds <= 0) {
    durs = safe.map(fallbackSceneDurationInFrames)
  } else {
    const raw = safe.map(fallbackSceneDurationInFrames)
    const availableFrames = Math.max(safe.length, Math.round(audioDurationSeconds * FPS))
    const total = raw.reduce((a, b) => a + b, 0) || 1
    durs = raw.map(v => Math.max(1, Math.floor((v / total) * availableFrames)))
    let rem = availableFrames - durs.reduce((a, b) => a + b, 0)
    for (let i = 0; rem > 0; i++, rem--) durs[i % durs.length] += 1
    durs[durs.length - 1] += availableFrames - durs.reduce((a, b) => a + b, 0)
  }

  let cursor = INTRO

  return safe.map((scene, idx) => {
    const dur = durs[idx]
    const headingWords = wordsOf(scene.heading).length
    const textWords = wordsOf(scene.text).length
    const allWords = wordsOf(buildSceneBlockText(scene)).length || 1
    const itemsBaseFrame = Math.max(10, Math.round(((headingWords + textWords) / allWords) * dur))

    const timing: SceneTiming = {
      from: cursor,
      dur,
      headingFrame: 0,
      itemsBaseFrame,
      itemFrames: scene.items.map((_, i) => itemsBaseFrame + i * 18),
    }

    cursor += dur
    return timing
  })
}

const cueContainsPhrase = (cue: Caption, phrase: string) => {
  if (!phrase) return false
  return normalizeForMatch(cue.text).includes(phrase)
}

const findAnchorCueIndex = (captions: Caption[], anchors: string[], fromIndex: number): number | null => {
  if (!anchors.length) return null

  for (let i = fromIndex; i < captions.length; i++) {
    for (const a of anchors) {
      if (cueContainsPhrase(captions[i], a)) return i
    }
  }

  return null
}

const buildSceneTimingsFromCaptions = (
  scenes: Scene[],
  captions: Caption[],
  audioDurationSeconds?: number
): SceneTiming[] => {
  const safeScenes = getSafeScenes(scenes)
  const fallback = getFallbackSceneTimings(safeScenes, audioDurationSeconds)

  if (!captions || captions.length === 0) return fallback

  const totalAudioFrames =
    audioDurationSeconds && audioDurationSeconds > 0
      ? Math.round(audioDurationSeconds * FPS)
      : Math.max(
          1,
          Math.round((captions[captions.length - 1]?.end ?? 0) * FPS)
        )

  const timings: SceneTiming[] = []
  let searchIndex = 0

  for (let s = 0; s < safeScenes.length; s++) {
    const scene = safeScenes[s]
    const nextScene = safeScenes[s + 1]
    const anchors = buildAnchors(scene)
    const startIdx = findAnchorCueIndex(captions, anchors, searchIndex)

    if (startIdx === null) {
      timings.push(fallback[s])
      continue
    }

    let endIdx = captions.length - 1

    if (nextScene) {
      const nextAnchors = buildAnchors(nextScene)
      const nextStartIdx = findAnchorCueIndex(captions, nextAnchors, startIdx + 1)
      if (nextStartIdx !== null) {
        endIdx = Math.max(startIdx, nextStartIdx - 1)
      }
    }

    const sceneStartFrame = INTRO + Math.round(captions[startIdx].start * FPS)
    const sceneEndFrame = INTRO + Math.round(captions[endIdx].end * FPS)
    const dur = Math.max(24, sceneEndFrame - sceneStartFrame)

    let itemsBaseFrame = Math.max(10, Math.round(dur * 0.45))
    const itemFrames: number[] = []

    for (const item of scene.items) {
      const iw = wordsOf(item)
      const phrase = iw.slice(0, Math.min(5, iw.length)).join(' ')
      let local = itemsBaseFrame

      if (phrase) {
        const hit = captions.findIndex((c, i) => i >= startIdx && i <= endIdx && cueContainsPhrase(c, phrase))
        if (hit !== -1) {
          local = Math.max(10, Math.round(captions[hit].start * FPS) + INTRO - sceneStartFrame)
        }
      }

      itemFrames.push(local)
    }

    if (itemFrames.length > 0) {
      itemsBaseFrame = itemFrames[0]
    }

    timings.push({
      from: sceneStartFrame,
      dur,
      headingFrame: 0,
      itemsBaseFrame,
      itemFrames,
    })

    searchIndex = Math.max(searchIndex, startIdx + 1)
  }

  for (let i = 0; i < timings.length; i++) {
    const cur = timings[i]
    const next = timings[i + 1]
    if (next) {
      cur.dur = Math.max(24, next.from - cur.from)
    } else {
      const endOfAudio = INTRO + totalAudioFrames
      cur.dur = Math.max(24, endOfAudio - cur.from)
    }
  }

  return timings
}

const CaptionOverlay: React.FC<{captions: Caption[]; fps: number}> = ({captions, fps}) => {
  const frame = useCurrentFrame()
  const currentSec = frame / fps
  const current = captions.find(c => currentSec >= c.start && currentSec < c.end)
  if (!current) return null
  const words = current.text.split(' ')
  const progress = (currentSec - current.start) / Math.max(0.1, current.end - current.start)
  const activeWord = Math.min(Math.floor(progress * words.length), words.length - 1)

  return (
    <div style={{
      position: 'absolute', bottom: 60, left: 60, right: 60,
      textAlign: 'center', zIndex: 100,
    }}>
      <div style={{lineHeight: 1.25, fontFamily: 'Arial Black, Arial, sans-serif', fontWeight: 900}}>
        {words.map((w, i) => (
          <span key={i} style={{
            color: i === activeWord ? '#FFE234' : '#FFFFFF',
            fontSize: 82,
            textTransform: 'uppercase' as const,
            WebkitTextStroke: '4px #000000',
            paintOrder: 'stroke fill' as const,
            textShadow: [
              '2px 2px 0px #000',
              '4px 4px 0px #000',
              '6px 6px 0px rgba(0,0,0,0.6)',
              '8px 8px 0px rgba(0,0,0,0.4)',
              '10px 10px 0px rgba(0,0,0,0.2)',
              '0 16px 32px rgba(0,0,0,0.9)',
            ].join(', '),
            marginRight: 10,
            display: 'inline-block',
          }}>{w}</span>
        ))}
      </div>
    </div>
  )
}

const PexelsSlideshow: React.FC<{
  images: string[]
  dur: number
  globalStartIndex: number
}> = ({images, dur}) => {
  const frame = useCurrentFrame()
  if (!images || images.length === 0) return null

  const numImages = images.length
  const framesPerImage = dur / numImages
  const imgIdx = Math.min(Math.floor(frame / framesPerImage), numImages - 1)
  const localFrame = frame - imgIdx * framesPerImage
  const src = images[imgIdx]
  const motionIdx = imgIdx % NUM_MOTIONS
  const m = MOTION_PRESETS[motionIdx]
  const t = localFrame / Math.max(framesPerImage, 1)
  const sc = m.sx + (m.ex - m.sx) * t
  const tx = m.tx0 + (m.tx1 - m.tx0) * t
  const ty = m.ty0 + (m.ty1 - m.ty0) * t

  const fade =
    localFrame < CROSSFADE_FRAMES
      ? interpolate(localFrame, [0, CROSSFADE_FRAMES], [0, 1], {extrapolateRight: 'clamp'})
      : 1

  return (
    <div style={{position: 'absolute', inset: 0, overflow: 'hidden', opacity: fade}}>
      <Img
        src={src}
        style={{
          width: '100%',
          height: '100%',
          objectFit: 'cover',
          transform: `translate(${tx}px, ${ty}px) scale(${sc})`,
          willChange: 'transform',
        }}
      />
    </div>
  )
}

const IntroVisual: React.FC<{thumbnail?: string; pexelImages: string[]}> = ({thumbnail, pexelImages}) => {
  const frame = useCurrentFrame()
  const opacity = interpolate(frame, [0, 16], [0, 1], {extrapolateRight: 'clamp'})
  const src = pexelImages[0] || thumbnail

  return (
    <AbsoluteFill style={{background: '#000', opacity}}>
      {src ? (
        <Img src={src} style={{width: '100%', height: '100%', objectFit: 'cover'}} />
      ) : null}
    </AbsoluteFill>
  )
}

const FAQOverlay: React.FC<{items: string[]; heading: string; dur: number}> = ({items, heading}) => {
  return (
    <div style={{
      position: 'absolute',
      top: 40,
      left: 70,
      right: 70,
      zIndex: 10,
      color: '#fff',
      fontFamily: 'Arial, sans-serif',
    }}>
      <div style={{fontSize: 52, fontWeight: 900, marginBottom: 24}}>{heading}</div>
      {items.map((it, i) => (
        <div key={i} style={{fontSize: 34, lineHeight: 1.35, marginBottom: 14}}>
          {it}
        </div>
      ))}
    </div>
  )
}

const BulletsOverlay: React.FC<{
  items: string[]
  heading: string
  dur: number
  headingFrame?: number
  itemsBaseFrame?: number
  itemFrames?: number[]
}> = ({items, heading, dur, headingFrame = 0, itemsBaseFrame = 10, itemFrames = []}) => {
  const frame = useCurrentFrame()
  const safeItems = items.slice(0, 8)
  const count = safeItems.length

  const itemFontSize = count <= 5 ? 42 : count <= 7 ? 36 : 32
  const gap = count <= 5 ? 14 : count <= 7 ? 10 : 8

  const availableFrames = Math.max(count * 12, dur - itemsBaseFrame - 20)
  const staggerFrames = Math.max(10, Math.floor(availableFrames / (count + 1)))
  const fadeDuration = Math.max(6, Math.min(14, staggerFrames - 2))

  const headOpacity = interpolate(
    frame,
    [headingFrame, headingFrame + 18],
    [0, 1],
    {extrapolateLeft: 'clamp', extrapolateRight: 'clamp'}
  )
  const headY = interpolate(
    frame,
    [headingFrame, headingFrame + 18],
    [20, 0],
    {extrapolateLeft: 'clamp', extrapolateRight: 'clamp'}
  )

  return (
    <div style={{
      position: 'absolute',
      top: 0,
      left: 0,
      right: 0,
      bottom: 160,
      zIndex: 10,
      background: 'transparent',
      padding: '28px 80px 0px 80px',
      display: 'flex',
      flexDirection: 'column',
      overflow: 'hidden',
    }}>
      <div style={{
        opacity: headOpacity,
        transform: `translateY(${headY}px)`,
        marginBottom: 16,
        borderLeft: '6px solid #FFD700',
        paddingLeft: 22,
        filter: 'drop-shadow(0px 6px 18px rgba(0,0,0,0.95))',
      }}>
        <div style={{
          color: '#FFFFFF',
          fontSize: 58,
          lineHeight: 1.08,
          fontWeight: 900,
          fontFamily: 'Arial Black, sans-serif',
          textTransform: 'uppercase',
          textShadow: '2px 2px 0px #000, 4px 4px 0px rgba(0,0,0,0.7), 0 8px 24px rgba(0,0,0,0.95)',
        }}>{heading}</div>
      </div>

      <div style={{display: 'flex', flexDirection: 'column', gap}}>
        {safeItems.map((item, i) => {
          const startF = itemFrames[i] ?? (itemsBaseFrame + i * staggerFrames)
          const op = interpolate(frame, [startF, startF + fadeDuration], [0, 1], {
            extrapolateLeft: 'clamp',
            extrapolateRight: 'clamp',
          })
          const tx = interpolate(frame, [startF, startF + fadeDuration], [-28, 0], {
            extrapolateLeft: 'clamp',
            extrapolateRight: 'clamp',
          })

          return (
            <div key={i} style={{
              display: 'flex',
              gap: 14,
              alignItems: 'flex-start',
              opacity: op,
              transform: `translateX(${tx}px)`,
              filter: 'drop-shadow(0px 4px 12px rgba(0,0,0,0.9))',
            }}>
              <div style={{
                background: '#FFD700',
                color: '#000',
                borderRadius: 6,
                minWidth: 46,
                height: 46,
                display: 'flex',
                alignItems: 'center',
                justifyContent: 'center',
                fontSize: 26,
                fontWeight: 900,
                fontFamily: 'Arial Black, sans-serif',
                flexShrink: 0,
                marginTop: 2,
                boxShadow: '2px 4px 10px rgba(0,0,0,0.7), 0 2px 0px rgba(0,0,0,0.5)',
              }}>{i + 1}</div>
              <div style={{
                color: '#FFFFFF',
                fontSize: itemFontSize,
                fontFamily: 'Arial, sans-serif',
                fontWeight: 600,
                lineHeight: 1.35,
                textShadow: '2px 2px 0px #000, 4px 4px 0px rgba(0,0,0,0.6), 0 6px 16px rgba(0,0,0,0.95)',
                paddingTop: 4,
              }}>{item}</div>
            </div>
          )
        })}
      </div>
    </div>
  )
}

const SceneVisual: React.FC<{
  scene: Scene
  dur: number
  sceneIndex: number
  thumbnail?: string
  pexelImages: string[]
  globalStartIndex: number
  timing: SceneTiming
}> = ({scene, dur, sceneIndex, thumbnail, pexelImages, globalStartIndex, timing}) => {
  const frame = useCurrentFrame()
  const fadeIn = interpolate(frame, [0, 14], [0, 1], {extrapolateRight: 'clamp'})
  const fadeOut = interpolate(frame, [dur - 14, dur], [1, 0], {extrapolateLeft: 'clamp'})
  const opacity = Math.min(fadeIn, fadeOut)
  const progressPct = clamp((frame / Math.max(dur, 1)) * 100, 0, 100)

  const hasPexels = pexelImages.length > 0
  const fallbackSrc = thumbnail || scene.image || null

  const motionIdx = sceneIndex % NUM_MOTIONS
  const m = MOTION_PRESETS[motionIdx]
  const t = frame / Math.max(dur, 1)
  const fbSc = m.sx + (m.ex - m.sx) * t
  const fbTx = m.tx0 + (m.tx1 - m.tx0) * t
  const fbTy = m.ty0 + (m.ty1 - m.ty0) * t

  return (
    <AbsoluteFill style={{opacity, background: '#070b12'}}>
      {hasPexels ? (
        <PexelsSlideshow
          images={pexelImages}
          dur={dur}
          globalStartIndex={globalStartIndex}
        />
      ) : fallbackSrc ? (
        <div style={{position: 'absolute', inset: 0, overflow: 'hidden'}}>
          <Img
            src={fallbackSrc}
            style={{
              width: '100%',
              height: '100%',
              objectFit: 'cover',
              transform: `translate(${fbTx}px, ${fbTy}px) scale(${fbSc})`,
              willChange: 'transform',
            }}
          />
        </div>
      ) : (
        <div style={{
          position: 'absolute',
          inset: 0,
          background: 'radial-gradient(circle at 22% 16%, rgba(15,85,145,0.42), transparent 38%), linear-gradient(135deg,#09111d 0%,#0a0f17 100%)',
        }} />
      )}

      <div style={{
        position: 'absolute', bottom: 0, left: 0, right: 0,
        height: 4, background: 'rgba(255,255,255,0.10)', zIndex: 20,
      }}>
        <div style={{
          width: `${progressPct}%`, height: '100%',
          background: '#10b8ff',
          boxShadow: '0 0 14px rgba(16,184,255,0.85)',
        }} />
      </div>

      {scene.type === 'faq' && scene.items.length > 0 && (
        <FAQOverlay items={scene.items} heading={scene.heading} dur={dur} />
      )}

      {scene.type === 'bullets' && scene.items.length > 0 && (
        <BulletsOverlay
          items={scene.items}
          heading={scene.heading}
          dur={dur}
          headingFrame={timing.headingFrame}
          itemsBaseFrame={timing.itemsBaseFrame}
          itemFrames={timing.itemFrames}
        />
      )}
    </AbsoluteFill>
  )
}

const OutroVisual: React.FC = () => {
  const frame = useCurrentFrame()
  const opacity = interpolate(frame, [0, 22], [0, 1], {extrapolateRight: 'clamp'})
  const scale = interpolate(frame, [0, OUTRO], [1.04, 1.0], {extrapolateRight: 'clamp'})

  return (
    <AbsoluteFill style={{
      background: 'radial-gradient(circle at center,rgba(14,78,130,0.28),transparent 32%),linear-gradient(135deg,#070b12 0%,#09111d 100%)',
      opacity,
    }}>
      <div style={{position: 'absolute', inset: 0, transform: `scale(${scale})`}} />
    </AbsoluteFill>
  )
}

export const StoryVideo: React.FC<StoryVideoProps> = ({scenes, thumbnail, audioDurationSeconds, captions}) => {
  const rawScenes = getSafeScenes(scenes)

  const {scenePexels, globalStartIndex} = React.useMemo(
    () => buildGlobalImagePlan(rawScenes),
    [scenes]
  )

  const sceneTimings = React.useMemo(
    () => buildSceneTimingsFromCaptions(rawScenes, captions ?? [], audioDurationSeconds),
    [rawScenes, captions, audioDurationSeconds]
  )

  const introPexels = scenePexels[0]

  return (
    <AbsoluteFill style={{background: '#000'}}>
      {captions && captions.length > 0 && <CaptionOverlay captions={captions} fps={FPS} />}

      <Sequence from={0} durationInFrames={INTRO}>
        <IntroVisual thumbnail={thumbnail} pexelImages={introPexels} />
      </Sequence>

      {rawScenes.map((scene, idx) => {
        const timing = sceneTimings[idx]
        if (!timing || timing.dur <= 0) return null

        return (
          <Sequence key={idx} from={timing.from} durationInFrames={timing.dur}>
            <SceneVisual
              scene={scene}
              dur={timing.dur}
              sceneIndex={idx}
              thumbnail={thumbnail}
              pexelImages={scenePexels[idx] ?? []}
              globalStartIndex={globalStartIndex[idx] ?? 0}
              timing={timing}
            />
          </Sequence>
        )
      })}

      <Sequence
        from={INTRO + Math.round((audioDurationSeconds ?? 0) * FPS)}
        durationInFrames={OUTRO}
      >
        <OutroVisual />
      </Sequence>
    </AbsoluteFill>
  )
}

export const STORY_DURATION = (
  scenes: Scene[],
  audioDurationSeconds?: number
): number => {
  const safe = getSafeScenes(scenes)
  if (audioDurationSeconds && audioDurationSeconds > 0) {
    return INTRO + Math.round(audioDurationSeconds * FPS) + OUTRO
  }
  return INTRO + safe.reduce((sum, s) => sum + fallbackSceneDurationInFrames(s), 0) + OUTRO
}<!doctype html>
<html lang="de-DE">
<head>
    <meta charset="UTF-8">
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        <div class="ranked-item" style="display:flex;align-items:flex-start;gap:10.0px;flex:1;padding-bottom:6.9px;margin-bottom:6.9px;border-bottom:1px dotted rgb(214,214,214);">
            <a href="https://finanztippsblog.de/betrugsmaschen-erkennen-schockanrufe-enkeltrick-und-sicherheitstipps/" class="list-photo" style="flex-shrink:0;display:block;border-radius:6px 0 6px 0;border:4px solid rgb(59,59,59);box-shadow:1.6px 1.6px 5.4px rgba(0,0,0,0.08);overflow:hidden;">
        <img src="https://finanztippsblog.de/wp-content/uploads/sites/2/2026/03/betrugsmaschen-erkennen-schockanrufe-enkeltrick-1774820840.png" alt="Betrugsmaschen erkennen: Schockanrufe, Enkeltrick und Sicherheitstipps" loading="lazy" style="width:109.1px;height:68.2px;object-fit:cover;display:block;flex-shrink:0;">
      </a>
            <div class="trend-detail" style="flex:1;min-width:0;overflow:hidden;word-break:break-word;">
        <span style="font-family:Lucida Sans,sans-serif;font-size:16.6px;font-weight:575;line-height:1.206;display:block;margin:2px 0 0;">
          <a style="color:rgb(13,32,154);" href="https://finanztippsblog.de/betrugsmaschen-erkennen-schockanrufe-enkeltrick-und-sicherheitstipps/">Betrugsmaschen erkennen: Schockanrufe, Enkeltrick und Sicherheitstipps</a>
        </span>
      </div>
    </div>
        <div class="ranked-item" style="display:flex;align-items:flex-start;gap:10.0px;flex:1;padding-bottom:6.9px;margin-bottom:6.9px;border-bottom:1px dotted rgb(214,214,214);">
            <a href="https://finanztippsblog.de/kfz-schutzbriefe-im-vergleich-kosten-leistungen-und-expertenmeinungen/" class="list-photo" style="flex-shrink:0;display:block;border-radius:6px 0 6px 0;border:4px solid rgb(59,59,59);box-shadow:1.6px 1.6px 5.4px rgba(0,0,0,0.08);overflow:hidden;">
        <img src="https://finanztippsblog.de/wp-content/uploads/sites/2/2026/03/kfz-schutzbriefe-im-vergleich-kosten-leistungen-1774820582.png" alt="Kfz-Schutzbriefe im Vergleich: Kosten, Leistungen und Expertenmeinungen" loading="lazy" style="width:109.1px;height:68.2px;object-fit:cover;display:block;flex-shrink:0;">
      </a>
            <div class="trend-detail" style="flex:1;min-width:0;overflow:hidden;word-break:break-word;">
        <span style="font-family:Lucida Sans,sans-serif;font-size:16.6px;font-weight:575;line-height:1.206;display:block;margin:2px 0 0;">
          <a style="color:rgb(13,32,154);" href="https://finanztippsblog.de/kfz-schutzbriefe-im-vergleich-kosten-leistungen-und-expertenmeinungen/">Kfz-Schutzbriefe im Vergleich: Kosten, Leistungen und Expertenmeinungen</a>
        </span>
      </div>
    </div>
      </div>

</div>
</div>
<style>
@media(max-width:1053px){.news-grid-inner{grid-template-columns:1fr 1fr;}.news-grid-col-right{display:none;}.news-grid-col.news-grid-col-center{border-right:none;}}
@media(max-width:483px){
  .news-grid-inner{grid-template-columns:1fr!important;}
  .news-grid-col-left,.news-grid-col-right{display:none!important;}
  .news-grid-col{border:none!important;padding:0!important;}
  .ranked-item{flex-direction:column!important;align-items:stretch!important;gap:0!important;}
  .list-photo{width:100%!important;flex-shrink:1!important;margin-bottom:6px;}
  .list-photo img{width:100%!important;height:133px!important;object-fit:cover;display:block;}
  .trend-detail{min-width:0;padding:4px 0 0;}
  .slot-label{white-space:nowrap!important;overflow:hidden!important;text-overflow:ellipsis!important;}
}
.ranked-item:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
</style>
<style>.em-breadcrumbs ul li span[itemprop="name"]:before{content:none!important;display:none!important}.em-breadcrumbs .trail-item a span[itemprop="name"]{color:#0070e0!important}</style>

    <div id="site-content" class="container">
    
<style>
@import url('https://fonts.googleapis.com/css2?family=Hind:wght@300;400;500;600;700&display=swap');

/* Basisvariablen – werden in Sektionen überschrieben */
:root {
  --ftb-bg:            #ffffff;
  --ftb-text:          #2b4034;
  --ftb-muted:         #597a67;
  --ftb-ink:           #1d2f26;
  --ftb-border:        rgba(44, 110, 73, 0.15);
  --ftb-shadow:        0 6px 14px rgba(0,30,20,0.04), 0 12px 28px rgba(44,110,73,0.05);
  --ftb-shadow-lg:     0 12px 24px rgba(0,30,20,0.08), 0 20px 40px rgba(44,110,73,0.1);
  /* Standard-Akzent (Grün) */
  --ftb-primary:       #2c6e49;
  --ftb-primary-lt:    #3f8b62;
  --ftb-primary-pale:  #e2f0e8;
  --ftb-r:             15px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body.ftb-fp {
  background: var(--ftb-bg);
  color: var(--ftb-text);
  font-family: 'Hind', sans-serif;
  font-size: 20px;
  line-height: 1.68;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

body.ftb-fp p, body.ftb-fp li, body.ftb-fp span,
body.ftb-fp div, body.ftb-fp a, body.ftb-fp label { font-size: inherit; }

/* 95% Breite – keine max-width-Begrenzung auf Text */
.ftb-wrap {
  width: 95%;
  margin: 0 auto;
  padding: 0 19px;
}
@media (max-width: 768px) {
  .ftb-wrap { padding: 0 19px; }
}

/* WordPress-Abstände eliminieren */
body.ftb-fp { margin: 0 !important; padding: 0 !important; }
.ftb-fp .site, .ftb-fp .site-content, .ftb-fp .content-area,
.ftb-fp #content, .site-content, .content-area, .site-main {
  margin-top: 0 !important; padding-top: 0 !important;
}

/* Badge – Basis (wird pro Sektion überschrieben) */
.ftb-badge {
  display: inline-block;
  font-size: 15px !important;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--ftb-primary);
  margin-bottom: 16px;
  letter-spacing: 0.03em;
  padding: 6px 18px;
  background: var(--ftb-primary-pale);
  border-radius: 40px;
  border: 1px solid var(--ftb-primary);
  opacity: 0.9;
}

.ftb-h2 {
  font-family: 'Hind', sans-serif;
  font-size: clamp(2.2rem, 3vw, 3.6rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 20px;
  color: var(--ftb-ink);
}
.ftb-h2 .ftb-accent {
  background: linear-gradient(135deg, var(--ftb-primary) 0%, #b08f5c 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-weight: 800;
}

.ftb-sub {
  font-size: 20px;
  color: var(--ftb-muted);
  line-height: 1.75;
}

/* Button – Basis */
.ftb-btn {
  display: inline-block;
  font-size: 20px;
  font-weight: 600;
  padding: 18px 44px;
  border-radius: 40px;
  text-decoration: none !important;
  transition: background 0.2s, color 0.2s;
  line-height: 1.3;
  cursor: pointer;
}
.ftb-btn-primary {
  background: var(--ftb-primary);
  color: #fff !important;
  box-shadow: 0 6px 16px rgba(0,0,0,0.1);
}
.ftb-btn-primary:hover { background: var(--ftb-primary-lt); }
.ftb-btn-outline {
  background: #fff;
  color: var(--ftb-text) !important;
  border: 2px solid var(--ftb-border);
  box-shadow: var(--ftb-shadow);
}
.ftb-btn-outline:hover { border-color: var(--ftb-primary); color: var(--ftb-primary) !important; }
.ftb-btn-row { display: flex; gap: 15px; justify-content: center; flex-wrap: wrap; }

/* Sektionen – Standard-Padding */
.ftb-sec { padding: 60px 0; border-bottom: 1.5px solid var(--ftb-border); }
.ftb-methodik { padding: 60px 0; border-bottom: 1.5px solid var(--ftb-border); }
.ftb-cta { padding: 60px 0; text-align: center; border-top: 2px solid; }

/* ════════════════════════════════════
   HERO (grün) 
═══════════════════════════════════ */
.ftb-hero {
  background: linear-gradient(135deg, #ebf5ef 0%, #ddebe2 70%, #d0e0d6 100%);
  padding: 0 0 48px 0;
  position: relative;
  overflow: hidden;
  border-bottom: 2px solid var(--ftb-primary);
  --ftb-primary: #2c6e49;
  --ftb-primary-lt: #3f8b62;
  --ftb-primary-pale: #e2f0e8;
}
.ftb-hero::before {
  content: '';
  position: absolute;
  width: 700px; height: 700px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(44,110,73,0.04) 0%, transparent 70%);
  top: -300px; right: -200px;
  pointer-events: none;
}
.ftb-hero-inner { position: relative; z-index: 2; }
.ftb-hero-title {
  font-family: 'Hind', sans-serif;
  font-size: clamp(3rem, 5vw, 5.2rem);
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 30px;
  color: var(--ftb-ink);
}
.ftb-hero-gradient {
  background: linear-gradient(135deg, var(--ftb-primary) 0%, #b08f5c 90%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-weight: 800;
}
.ftb-hero-desc {
  font-size: 22px;
  color: var(--ftb-muted);
  line-height: 1.75;
  margin-bottom: 40px;
}
.ftb-hero-desc strong { color: var(--ftb-ink); }

/* ════════════════════════════════════
   METHODIK (blau)
═══════════════════════════════════ */
.ftb-methodik {
  background: #e8f0fa;
  --ftb-primary: #2a6f97;
  --ftb-primary-lt: #3e8ab3;
  --ftb-primary-pale: #d9e9f5;
  --ftb-border: rgba(42,111,151,0.2);
  --ftb-shadow: 0 6px 14px rgba(0,40,70,0.04), 0 12px 28px rgba(42,111,151,0.05);
  --ftb-shadow-lg: 0 12px 24px rgba(0,40,70,0.08), 0 20px 40px rgba(42,111,151,0.1);
}
.ftb-methodik .ftb-badge {
  color: var(--ftb-primary);
  background: var(--ftb-primary-pale);
  border-color: var(--ftb-primary);
}
.ftb-methodik .ftb-h2 .ftb-accent {
  background: linear-gradient(135deg, var(--ftb-primary) 0%, #b08f5c 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}
.ftb-methodik .ftb-chain-band {
  background: white;
  border-color: var(--ftb-border);
  box-shadow: var(--ftb-shadow);
}
.ftb-methodik .ftb-chain-num {
  background: var(--ftb-primary-pale);
  border-color: var(--ftb-primary);
  color: var(--ftb-primary);
}
.ftb-methodik .ftb-demo-card {
  border-color: var(--ftb-border);
  box-shadow: var(--ftb-shadow);
}
.ftb-methodik .ftb-demo-header {
  background: var(--ftb-primary-pale);
  border-bottom-color: var(--ftb-primary);
}
.ftb-methodik .ftb-demo-role {
  color: var(--ftb-primary);
}
.ftb-methodik .ftb-demo-question {
  color: var(--ftb-primary);
  border-top-color: var(--ftb-border);
}
.ftb-methodik .ftb-btn-primary {
  background: var(--ftb-primary);
}
.ftb-methodik .ftb-btn-primary:hover {
  background: var(--ftb-primary-lt);
}

/* ════════════════════════════════════
   THEMENWELTEN (terrakotta / warmes orange)
═══════════════════════════════════ */
.ftb-themen {
  background: #faf0e6;
  --ftb-primary: #b85e3a;
  --ftb-primary-lt: #c87a5a;
  --ftb-primary-pale: #f8e4da;
  --ftb-border: rgba(184,94,58,0.2);
  --ftb-shadow: 0 6px 14px rgba(100,40,20,0.04), 0 12px 28px rgba(184,94,58,0.05);
  --ftb-shadow-lg: 0 12px 24px rgba(100,40,20,0.08), 0 20px 40px rgba(184,94,58,0.1);
}
.ftb-themen .ftb-badge {
  color: var(--ftb-primary);
  background: var(--ftb-primary-pale);
  border-color: var(--ftb-primary);
}
.ftb-themen .ftb-h2 .ftb-accent {
  background: linear-gradient(135deg, var(--ftb-primary) 0%, #b08f5c 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}
.ftb-themen .ftb-card {
  border-color: var(--ftb-border);
  box-shadow: var(--ftb-shadow);
}
.ftb-themen .ftb-card-accent {
  background: var(--ftb-primary);
}
.ftb-themen .ftb-card-cat {
  color: var(--ftb-primary);
}

/* ════════════════════════════════════
   FAQ (violett)
═══════════════════════════════════ */
.ftb-faq {
  background: #f5eff9;
  --ftb-primary: #7a5b8c;
  --ftb-primary-lt: #9475aa;
  --ftb-primary-pale: #ede4f3;
  --ftb-border: rgba(122,91,140,0.2);
  --ftb-shadow: 0 6px 14px rgba(60,30,70,0.04), 0 12px 28px rgba(122,91,140,0.05);
  --ftb-shadow-lg: 0 12px 24px rgba(60,30,70,0.08), 0 20px 40px rgba(122,91,140,0.1);
}
.ftb-faq .ftb-badge {
  color: var(--ftb-primary);
  background: var(--ftb-primary-pale);
  border-color: var(--ftb-primary);
}
.ftb-faq .ftb-h2 .ftb-accent {
  background: linear-gradient(135deg, var(--ftb-primary) 0%, #b08f5c 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}
.ftb-faq .ftb-faq-item {
  border-left-color: var(--ftb-primary);
  box-shadow: var(--ftb-shadow);
}
.ftb-faq .ftb-faq-item:hover {
  box-shadow: var(--ftb-shadow-lg);
}
.ftb-faq .ftb-faq-a a {
  color: var(--ftb-primary);
}

/* ════════════════════════════════════
   CTA (warmes gold/gelb)
═══════════════════════════════════ */
.ftb-cta {
  background: linear-gradient(135deg, #fcf3e0 0%, #f8e9d0 50%, #f2debc 100%);
  --ftb-primary: #b58a4a;
  --ftb-primary-lt: #c9a268;
  --ftb-primary-pale: #f7e9d4;
  --ftb-border: rgba(181,138,74,0.2);
  border-top-color: var(--ftb-primary);
}
.ftb-cta .ftb-badge {
  color: var(--ftb-primary);
  background: var(--ftb-primary-pale);
  border-color: var(--ftb-primary);
}
.ftb-cta .ftb-h2 .ftb-accent {
  background: linear-gradient(135deg, var(--ftb-primary) 0%, #b08f5c 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}
.ftb-cta .ftb-btn-primary {
  background: var(--ftb-primary);
}
.ftb-cta .ftb-btn-primary:hover {
  background: var(--ftb-primary-lt);
}

/* ════════════════════════════════════
   Kettenband und Demo-Cards – generisch (erben von Sektion)
═══════════════════════════════════ */
.ftb-chain-band {
  display: flex;
  align-items: stretch;
  background: white;
  border: 1.5px solid var(--ftb-border);
  border-radius: 48px;
  padding: 32px 36px;
  margin-bottom: 48px;
  overflow-x: auto;
  box-shadow: var(--ftb-shadow);
}
.ftb-chain-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 110px;
  flex: 1;
  position: relative;
  padding: 0 10px;
}
.ftb-chain-step:not(:last-child)::after {
  content: '→';
  position: absolute;
  right: -16px;
  top: 20px;
  color: var(--ftb-primary);
  opacity: 0.4;
  font-size: 24px !important;
  font-weight: 600;
}
.ftb-chain-num {
  width: 48px; height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center; justify-content: center;
  font-size: 18px !important;
  font-weight: 700;
  margin-bottom: 12px;
  border: 2px solid;
  background: var(--ftb-primary-pale);
  border-color: var(--ftb-primary);
  color: var(--ftb-primary);
}
.ftb-chain-label {
  font-size: 15px !important;
  font-weight: 600;
  color: var(--ftb-text);
  text-align: center;
  line-height: 1.3;
}
.ftb-chain-name {
  font-size: 13px !important;
  color: var(--ftb-muted);
  text-align: center;
  margin-top: 5px;
}

/* Demo-Durchlauf (4 Perspektiven) */
.ftb-demo-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 15px;
  margin: 48px 0;
}
@media (max-width: 800px) { .ftb-demo-grid { grid-template-columns: 1fr; } }

.ftb-demo-card {
  background: white;
  border-radius: 19px;
  padding: 0;
  box-shadow: var(--ftb-shadow);
  transition: transform 0.2s, box-shadow 0.2s;
  border: 1.5px solid var(--ftb-border);
  overflow: hidden;
}
.ftb-demo-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--ftb-shadow-lg);
}
.ftb-demo-header {
  background: var(--ftb-primary-pale);
  padding: 18px 26px;
  border-bottom: 2px solid var(--ftb-primary);
}
.ftb-demo-role {
  font-size: 15px;
  font-weight: 700;
  color: var(--ftb-primary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
}
.ftb-demo-name {
  font-size: 19px;
  font-weight: 700;
  color: var(--ftb-ink);
}
.ftb-demo-content {
  padding: 26px 26px 30px;
}
.ftb-demo-text {
  font-size: 19px;
  color: var(--ftb-muted);
  line-height: 1.7;
  margin-bottom: 20px;
}
.ftb-demo-question {
  font-size: 17px;
  font-weight: 600;
  color: var(--ftb-primary);
  font-style: italic;
  border-top: 2px dotted var(--ftb-border);
  padding-top: 20px;
}

/* Themen-Cards – generisch */
.ftb-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 15px;
  margin-top: 48px;
}
@media (max-width: 960px) { .ftb-grid-3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .ftb-grid-3 { grid-template-columns: 1fr; } }

.ftb-card {
  background: var(--ftb-card);
  border-radius: 19px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  box-shadow: var(--ftb-shadow);
  transition: transform 0.2s, box-shadow 0.2s;
  border: 1.5px solid var(--ftb-border);
}
.ftb-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--ftb-shadow-lg);
}
.ftb-card-accent {
  height: 8px;
  background: var(--ftb-primary);
  width: 100%;
}
.ftb-card-body { padding: 26px 26px 32px; flex: 1; }
.ftb-card-icon {
  font-size: 42px;
  line-height: 1;
  margin-bottom: 12px;
}
.ftb-card-cat {
  font-size: 15px !important;
  font-weight: 600;
  color: var(--ftb-primary);
  text-transform: uppercase;
  margin-bottom: 12px;
}
.ftb-card-title {
  font-size: 23px;
  font-weight: 700;
  line-height: 1.3;
  color: var(--ftb-ink);
  margin-bottom: 18px;
}
.ftb-card-excerpt {
  font-size: 19px !important;
  color: var(--ftb-muted);
  line-height: 1.7;
  margin-bottom: 0;
}

/* FAQ – generisch */
.ftb-faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 15px;
  margin-top: 48px;
}
@media (max-width: 760px) { .ftb-faq-grid { grid-template-columns: 1fr; } }
.ftb-faq-item {
  background: white;
  border-radius: 19px;
  padding: 36px;
  border-left: 8px solid var(--ftb-primary);
  box-shadow: var(--ftb-shadow);
  transition: transform 0.2s, box-shadow 0.2s;
}
.ftb-faq-item:hover {
  transform: translateY(-4px);
  box-shadow: var(--ftb-shadow-lg);
}
.ftb-faq-q {
  font-size: 22px;
  font-weight: 700;
  color: var(--ftb-ink);
  margin-bottom: 20px;
  line-height: 1.4;
}
.ftb-faq-a {
  font-size: 19px !important;
  color: var(--ftb-muted);
  line-height: 1.7;
}
.ftb-faq-a strong { color: var(--ftb-ink); }
.ftb-faq-a a {
  color: var(--ftb-primary);
  text-decoration: none;
  font-weight: 600;
}
.ftb-faq-a a:hover { text-decoration: underline; }

/* Animation */
@keyframes ftbFadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: none; }
}
.ftb-hero-inner > * { animation: ftbFadeUp 0.7s ease both; }
.ftb-hero-title   { animation-delay: 0.1s; }
.ftb-hero-desc    { animation-delay: 0.2s; }

/* Responsive */
@media (max-width: 768px) {
  .ftb-hero { padding: 0 0 30px; }
  .ftb-hero-title { font-size: 2.6rem; }
  .ftb-sec, .ftb-methodik { padding: 42px 0; }
  .ftb-cta { padding: 42px 0; }
}
/* RESPONSIVE_PATCHED_V3 */

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</style>

<body class="ftb-fp">

<!-- ════════════════════════════════════
     HERO – grün
═══════════════════════════════════ -->
<section class="ftb-hero">
  <div class="ftb-hero-inner ftb-wrap">

    <h1 class="ftb-hero-title">
      finanztippsblog.de – <br> <span class="ftb-hero-gradient">Ehrliche Finanztipps für den Alltag</span>
    </h1>

    <p class="ftb-hero-desc">
      Auf <strong>finanztippsblog.de</strong> finden Sie verständliche Ratgeber zu Geld, Recht, Versicherungen, Steuern und Verbraucherfragen – von der Testament-Erstellung bis zur Fluggastrechte-Durchsetzung. Unsere Redaktion ist Teil des Medienunternehmens <strong>Minformatik aus Hamburg</strong>, einem Netzwerk aus über hundert spezialisierten Journalisten, Juristen, Finanzberatern und Ökonomen. Wir beleuchten jedes Alltagsthema nicht eindimensional, sondern in einem einzigartigen 10‑Perspektiven‑System: So wird aus einem trockenen Paragraphen eine lebendige Geschichte, die Ihnen wirklich hilft – ob bei der Kontoauflösung nach Todesfall, der optimalen Steuererklärung oder beim Gebrauchtwagenkauf.
    </p>

  </div>
</section>


<!-- ════════════════════════════════════
     METHODIK – blau
═══════════════════════════════════ -->
<section class="ftb-methodik">
  <div class="ftb-wrap">
    <div class="ftb-badge">Unsere Methode – 10 Perspektiven</div>
    <h2 class="ftb-h2">Deep Thinking für Ihren Geldbeutel: <span class="ftb-accent">Creative Non-Fiction im Blog</span></h2>
    
    <div class="ftb-sub" style="margin-bottom:36px;">
      <p style="margin-bottom:20px;">Jeder Artikel auf finanztippsblog.de durchläuft ein strenges redaktionelles Verfahren: die <strong>10‑Perspektiven‑Methode</strong>. Wir verbinden fundierte Fakten, Gesetzestexte und Daten mit literarischem Stil und lebendigen Dialogen. Das Ziel: Themen atmen, pulsieren und werden verständlich – damit Sie nicht nur oberflächliche Tipps erhalten, sondern die Zusammenhänge hinter Versicherungsbedingungen, Steuerparagraphen oder Streaming-Preiserhöhungen wirklich durchschauen.</p>
      
      <p style="margin-bottom:30px;"><strong>Das 10‑Perspektiven‑Kettenformat im Detail:</strong> Jede Frage aus Ihrem Alltag wird aus zehn verschiedenen Blickwinkeln beleuchtet. Jede Rolle stellt am Ende eine Frage, die die nächste Perspektive aufgreift. So entsteht ein dichtes Netz aus persönlicher Betroffenheit, juristischem Tiefgang, historischen Vergleichen und praktischer Handlungsanleitung.</p>
    </div>

    <div class="ftb-chain-band">
      <div class="ftb-chain-step"><div class="ftb-chain-num">01</div><div class="ftb-chain-label">Persönlich</div><div class="ftb-chain-name">Betroffener</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">02</div><div class="ftb-chain-label">Experte</div><div class="ftb-chain-name">Fachanwalt</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">03</div><div class="ftb-chain-label">Kultur</div><div class="ftb-chain-name">Historiker</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">04</div><div class="ftb-chain-label">Technik</div><div class="ftb-chain-name">Digitalexperte</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">05</div><div class="ftb-chain-label">Philosophie</div><div class="ftb-chain-name">Ethiker</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">06</div><div class="ftb-chain-label">Soziologie</div><div class="ftb-chain-name">Gesellschaft</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">07</div><div class="ftb-chain-label">Psychologie</div><div class="ftb-chain-name">Verbraucher</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">08</div><div class="ftb-chain-label">Ökonomie</div><div class="ftb-chain-name">Finanzwelt</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">09</div><div class="ftb-chain-label">Politik</div><div class="ftb-chain-name">Regulierung</div></div>
      <div class="ftb-chain-step"><div class="ftb-chain-num">10</div><div class="ftb-chain-name">Kunst</div><div class="ftb-chain-name">Storytelling</div></div>
    </div>

    <h3 style="font-family:Inter, sans-serif; font-size:24px; font-weight:700; color:var(--ftb-ink); margin-bottom:28px;">Systemvergleich: So unterscheiden wir uns von üblichen Ratgeber-Portalen</h3>

    <div style="display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-bottom: 40px;">
      <div style="background: white; border: 1.5px solid var(--ftb-border); border-radius: 19px; padding: 28px;">
        <p style="font-weight:700; margin-bottom:15px;">Übliche Online-Ratgeber:</p>
        <ul style="list-style-type: disc; padding-left:20px; color:var(--ftb-muted);">
          <li>Reine Produktbeschreibung ODER</li>
          <li>Anleitung ohne Hintergrund ODER</li>
          <li>Gesetzestext schwer verständlich</li>
          <li>Meist nur eine Perspektive</li>
        </ul>
      </div>
      <div style="background: var(--ftb-primary-pale); border: 1.5px solid var(--ftb-primary); border-radius: 19px; padding: 28px;">
        <p style="font-weight:700; margin-bottom:15px; color:var(--ftb-primary);">Unsere Artikel (10 Perspektiven):</p>
        <ul style="list-style-type: disc; padding-left:20px; color:var(--ftb-text);">
          <li>Rechtliches, Historisches, Psychologisches vereint</li>
          <li>Dialoge zwischen Betroffenem und Experten (z.B. Notar, Steuerberater)</li>
          <li>Konkrete Schritt-für-Schritt-Anleitungen & Checklisten</li>
          <li>Einordnung: Was bedeutet das für mich und die Gesellschaft?</li>
        </ul>
      </div>
    </div>

    <p style="font-size:20px; margin-bottom:20px;"><strong>Der Dreifachnutzen jedes Blogartikels:</strong></p>
    <ul style="font-size:20px; color:var(--ftb-muted); margin-bottom:30px; list-style-type: disc; padding-left:20px;">
      <li><strong>Informativ:</strong> Aktuelle Gesetze, Urteile, Zahlen – von der ETA-Pflicht bis zum Pflichtteil.</li>
      <li><strong>Bildend:</strong> Sie verstehen, warum bestimmte Regeln gelten und wie Sie sie zu Ihrem Vorteil nutzen.</li>
      <li><strong>Unterhaltend:</strong> Erzählungen, die im Gedächtnis bleiben – keine staubigen Paragraphen.</li>
    </ul>

    <h3 style="font-family:Inter, sans-serif; font-size:24px; font-weight:700; color:var(--ftb-ink); margin-bottom:28px;">Beispiel: So entsteht ein Beitrag zur „Kontoauflösung nach Todesfall“</h3>

    <div class="ftb-demo-grid">

      <div class="ftb-demo-card">
        <div class="ftb-demo-header">
          <div class="ftb-demo-role">01 · Persönlich (Angehörige)</div>
          <div class="ftb-demo-name">Claudia S., Mutter verstorben</div>
        </div>
        <div class="ftb-demo-content">
          <p class="ftb-demo-text">„Meine Mutter ist letzte Woche gestorben. Jetzt soll ich ihr Konto auflösen – aber ich habe keine Ahnung, welche Unterlagen ich brauche, ob ich das allein darf und was mit Daueraufträgen passiert.“</p>
          <div class="ftb-demo-question">→ Frage an die Expertin: Was ist rechtlich zu beachten?</div>
        </div>
      </div>

      <div class="ftb-demo-card">
        <div class="ftb-demo-header">
          <div class="ftb-demo-role">02 · Expertin (Rechtsanwältin)</div>
          <div class="ftb-demo-name">Dr. Sarah Kling</div>
        </div>
        <div class="ftb-demo-content">
          <p class="ftb-demo-text">„Sie benötigen einen Erbschein oder ein notarielles Testament. Die Bank darf erst auszahlen, wenn die Erbfolge geklärt ist. Viele Banken bieten Checklisten an – aber Vorsicht: Kontovollmachten erlöschen mit dem Tod.“</p>
          <div class="ftb-demo-question">→ Frage an den Historiker: Warum ist das Erbrecht so kompliziert?</div>
        </div>
      </div>

      <div class="ftb-demo-card">
        <div class="ftb-demo-header">
          <div class="ftb-demo-role">03 · Kultur (Rechtshistoriker)</div>
          <div class="ftb-demo-name">Prof. Martin Gruber</div>
        </div>
        <div class="ftb-demo-content">
          <p class="ftb-demo-text">„Unser Erbrecht geht auf das römische Recht zurück und wurde über Jahrhunderte gewachsen. Es soll Willkür verhindern und die Familie schützen. Die Paragrafen sind detailreich, weil jeder Einzelfall anders ist.“</p>
          <div class="ftb-demo-question">→ Frage an die Psychologie: Wie bewältigen Angehörige diesen Stress?</div>
        </div>
      </div>

      <div class="ftb-demo-card">
        <div class="ftb-demo-header">
          <div class="ftb-demo-role">07 · Psychologie (Trauerbegleiterin)</div>
          <div class="ftb-demo-name">Eva Lorenz</div>
        </div>
        <div class="ftb-demo-content">
          <p class="ftb-demo-text">„In der Trauer fällt logisches Denken schwer. Deshalb ist es gut, wenn die Banken klare Fristen nennen und Unterlagen verständlich erklären. Unser Artikel gibt eine Schritt-für-Schritt-Liste – das reduziert Überforderung.“</p>
          <div class="ftb-demo-question">→ … und so weiter bis zur zehnten Perspektive mit Checkliste.</div>
        </div>
      </div>

    </div>

    <p style="margin-top:24px;"><a href="#" class="ftb-btn ftb-btn-primary">Mehr zur 10‑Perspektiven‑Methode</a></p>
  </div>
</section>


<!-- ════════════════════════════════════
     THEMENWELTEN – terrakotta
═══════════════════════════════════ -->
<section class="ftb-themen ftb-sec">
  <div class="ftb-wrap">
    <div class="ftb-badge">Blog-Themen</div>
    <h2 class="ftb-h2">Finanztipps für alle Lebenslagen – <span class="ftb-accent">zehn Perspektiven auf jeden Rat</span></h2>
    <p class="ftb-sub">Ob Sie wissen wollen, wie Sie ein Testament schreiben, Ihre Fluggastrechte durchsetzen, im Homeoffice nicht ausgebrannt werden oder die beste Kfz-Versicherung finden – jeder Blogbeitrag wird nach der 10‑Perspektiven‑Methode recherchiert und geschrieben. Mit konkreten Checklisten, aktuellen Urteilen und verständlichen Erklärungen.</p>

    <div class="ftb-grid-3">

      <div class="ftb-card">
        <div class="ftb-card-accent"></div>
        <div class="ftb-card-body">
          <div class="ftb-card-icon">⚖️</div>
          <span class="ftb-card-cat">Recht & Erbe</span>
          <h3 class="ftb-card-title">Testament, Erbrecht, Patientenverfügung</h3>
          <p class="ftb-card-excerpt">Von der Enterbung bis zur Kontoauflösung – wir erklären die Rechtslage, zeigen Fallstricke und geben Formulierungshilfen. Mit Interviews mit Fachanwälten und Notaren.</p>
        </div>
      </div>

      <div class="ftb-card">
        <div class="ftb-card-accent"></div>
        <div class="ftb-card-body">
          <div class="ftb-card-icon">✈️</div>
          <span class="ftb-card-cat">Reisen & Mobilität</span>
          <h3 class="ftb-card-title">Fluggastrechte, ETA, Maut, CO₂-Kompensation</h3>
          <p class="ftb-card-excerpt">Was tun bei Flugverspätung? Wie beantrage ich die neue ETA für Großbritannien? Und wie reise ich umweltbewusster? Mit aktuellen Urteilen und Berechnungstools.</p>
        </div>
      </div>

      <div class="ftb-card">
        <div class="ftb-card-accent"></div>
        <div class="ftb-card-body">
          <div class="ftb-card-icon">💻</div>
          <span class="ftb-card-cat">Digitales & Verträge</span>
          <h3 class="ftb-card-title">Streaming, Internetverträge, KI, Datenschutz</h3>
          <p class="ftb-card-excerpt">Preiserhöhung bei Wow? Internetvertrag anfechten? Wir zeigen Ihre Rechte, erklären die Kleingedruckten und geben Musterbriefe – verständlich und sofort anwendbar.</p>
        </div>
      </div>

    </div>
  </div>
</section>


<!-- ════════════════════════════════════
     FAQ – violett
═══════════════════════════════════ -->
<section class="ftb-faq ftb-sec">
  <div class="ftb-wrap">
    <div class="ftb-badge">Häufig gefragt</div>
    <h2 class="ftb-h2">Was Sie über <span class="ftb-accent">finanztippsblog.de</span> wissen sollten</h2>
    <p class="ftb-sub">Antworten zu unserer Arbeitsweise, den Autoren und dem Mehrwert unserer Blogbeiträge.</p>

    <div class="ftb-faq-grid">

      <div class="ftb-faq-item">
        <div class="ftb-faq-q">Was unterscheidet Ihren Blog von anderen Finanzblogs?</div>
        <div class="ftb-faq-a">Wir schreiben keine oberflächlichen "10 Tipps"-Listen. Jeder Beitrag wird nach der <strong>10‑Perspektiven‑Methode</strong> erstellt: Persönliche Betroffenheit, juristische Expertise, historische Einordnung, psychologische Fallstricke und praktische Schritt-für-Schritt-Anleitungen fließen in einen lebendigen Text ein. So wird aus einem Paragraphen eine Geschichte, die Sie verstehen und anwenden können.</div>
      </div>

      <div class="ftb-faq-item">
        <div class="ftb-faq-q">Für wen sind die Inhalte gedacht?</div>
        <div class="ftb-faq-a">Für alle, die im Alltag mit Finanz- oder Rechtsfragen konfrontiert werden – ob Sie ein Haus kaufen, eine Reise buchen, einen Erbfall regeln oder einfach Ihren Streamingvertrag kündigen wollen. Wir erklären so, dass Sie Ihre Rechte kennen und wahrnehmen können, ohne Jura studiert zu haben.</div>
      </div>

      <div class="ftb-faq-item">
        <div class="ftb-faq-q">Wie aktuell sind Ihre Beiträge zu Gesetzen und Urteilen?</div>
        <div class="ftb-faq-a">Unsere Redaktion beobachtet ständig neue Urteile (z.B. BGH, EuGH) und Gesetzesänderungen. Beiträge wie zur ETA-Pflicht oder zu Fluggastrechten werden zeitnah aktualisiert. Jeder Artikel trägt ein Datum, die 10-Perspektiven-Struktur bleibt erhalten.</div>
      </div>

      <div class="ftb-faq-item">
        <div class="ftb-faq-q">Bieten Sie auch Vorlagen oder Checklisten zum Herunterladen?</div>
        <div class="ftb-faq-a">Ja, zu vielen Themen wie Testament, Kontoauflösung oder Widerspruch gegen Preiserhöhungen gibt es <strong>kostenlose Checklisten und Musterbriefe</strong> als PDF – direkt im Artikel verlinkt. So können Sie das Gelernte sofort umsetzen.</div>
      </div>

    </div>
  </div>
</section>


<!-- ════════════════════════════════════
     CTA – gold/gelb
═══════════════════════════════════ -->
<section class="ftb-cta">
  <div class="ftb-wrap">
    <div class="ftb-badge">Immer zehn Perspektiven</div>
    <h2 class="ftb-h2">Finanztipps, die wirklich weiterhelfen. <br> <span class="ftb-accent">Was sagt der Anwalt? Was die Psychologin?</span></h2>
    <p class="ftb-sub" style="margin:0 auto 40px;">Erbrecht · Reisen · Digitales · Steuern · Versicherungen – jeden Monat neue Perspektiven, immer unabhängig, immer mit Tiefgang.</p>
    <div class="ftb-btn-row">
      <a href="#" class="ftb-btn ftb-btn-primary">Mehr über unsere Methode</a>
    </div>
  </div>
</section>


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