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}\r\n    .cc-root .cc-check input { position: absolute; opacity: 0; width: 0; height: 0; }\r\n    .cc-root .cc-box {\r\n      flex: 0 0 auto; width: 26px; height: 26px; margin-top: 1px; border: 2px solid var(--cc-line);\r\n      border-radius: 8px; background: #fff; display: inline-flex; align-items: center; justify-content: center; transition: all .15s;\r\n    }\r\n    .cc-root .cc-box svg { width: 16px; height: 16px; opacity: 0; transition: opacity .1s; }\r\n    .cc-root .cc-check input:checked + .cc-box { background: var(--cc-accent); border-color: var(--cc-accent); }\r\n    .cc-root .cc-check input:checked + .cc-box svg { opacity: 1; }\r\n    .cc-root .cc-check input:focus-visible + .cc-box { box-shadow: 0 0 0 3px var(--cc-accent-s); }\r\n    .cc-root .cc-check-txt { font-size: 15px; color: var(--cc-ink); }\r\n    .cc-root .cc-check-txt a { color: var(--cc-accent-d); font-weight: 600; }\r\n    .cc-root .cc-comm-row { display: flex; gap: 10px; }\r\n    .cc-root .cc-comm-row > .cc-check { flex: 1 1 0; min-width: 0; align-items: center; }\r\n    .cc-root .cc-comm-box { background: var(--cc-bg); border: 1px solid var(--cc-line); border-radius: var(--cc-radius-s); padding: 14px; }\r\n    .cc-root .cc-legal-sep { margin: 20px 0 12px; padding-top: 16px; border-top: 1px solid var(--cc-line); font-size: 15px; font-weight: 700; color: var(--cc-accent-d); }\r\n    .cc-root .cc-modal { position: fixed; inset: 0; z-index: 99999; display: none; align-items: center; justify-content: center; background: rgba(0,0,0,.55); padding: 16px; box-sizing: border-box; }\r\n    .cc-root .cc-modal.open { display: flex; }\r\n    .cc-root .cc-modal-box { position: relative; width: 100%; max-width: 900px; height: 85vh; background: #fff; border-radius: 12px; overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,.35); }\r\n    .cc-root .cc-modal-iframe { width: 100%; height: 100%; border: 0; display: block; }\r\n    .cc-root .cc-modal-close { position: absolute; top: 10px; right: 10px; width: 42px; height: 42px; padding: 0; border: none; border-radius: 50%; background: #e11d48; color: #fff; font-size: 26px; line-height: 1; cursor: pointer; display: flex; align-items: center; justify-content: center; z-index: 2; box-shadow: 0 2px 8px rgba(0,0,0,.3); }\r\n    .cc-root .cc-modal-close:hover { background: #be123c; }\r\n    @media (max-width: 480px) {\r\n      .cc-root .cc-modal-box { height: 92vh; }\r\n      .cc-root .cc-modal-close { top: auto; bottom: 16px; right: 16px; width: 46px; height: 46px; font-size: 28px; }\r\n    }\r\n    .cc-root .cc-inline { display: flex; gap: 12px; align-items: center; }\r\n    .cc-root .cc-inline .cc-num { flex: 1 1 auto; }\r\n    .cc-root .cc-inline .cc-check { flex: 0 0 auto; margin: 0; white-space: nowrap; }\r\n    .cc-root .cc-info { position: relative; display: inline-flex; align-items: center; justify-content: center; width: 18px; height: 18px; border-radius: 50%; background: var(--cc-accent); color: #fff; font-size: 12px; font-weight: 700; font-style: normal; cursor: help; margin-left: 6px; user-select: none; }\r\n    .cc-root .cc-info:hover::after, .cc-root .cc-info:focus::after {\r\n      content: attr(data-tip); position: absolute; left: 50%; bottom: 140%; transform: translateX(-50%);\r\n      width: 230px; background: var(--cc-accent-d); color: #fff; font-size: 13px; font-weight: 400; line-height: 1.4;\r\n      padding: 8px 10px; border-radius: 8px; box-shadow: 0 4px 14px rgba(0,0,0,.18); z-index: 5; white-space: normal;\r\n    }\r\n    .cc-root .cc-highlight { background: #EEF3FC; border: 1px solid var(--cc-accent-b); border-left: 4px solid var(--cc-accent); border-radius: 10px; padding: 12px 14px; margin-top: 4px; }\r\n    .cc-root .cc-highlight .cc-lbl { color: var(--cc-accent-d); font-weight: 700; }\r\n    .cc-root .cc-consent.cc-invalid .cc-box { border-color: var(--cc-error); }\r\n\r\n    \/* ---- Navigation ---- *\/\r\n    .cc-root .cc-nav { display: flex; gap: 10px; margin-top: 4px; }\r\n    .cc-root .cc-btn {\r\n      font-family: inherit; font-size: 16px; font-weight: 700; border-radius: var(--cc-radius);\r\n      min-height: 56px; cursor: pointer; padding: 16px; transition: background .15s, transform .05s;\r\n    }\r\n    .cc-root .cc-btn:active { transform: translateY(1px); }\r\n    .cc-root .cc-btn-back { flex: 0 0 34%; background: #fff; color: var(--cc-accent-d); border: 1.5px solid var(--cc-line); }\r\n    .cc-root .cc-btn-back:hover { background: var(--cc-bg); }\r\n    .cc-root .cc-btn-next { flex: 1 1 auto; background: var(--cc-accent); color: #fff; border: none; box-shadow: 0 4px 14px rgba(26,59,140,.28); }\r\n    .cc-root .cc-btn-next:hover { background: var(--cc-accent-d); }\r\n\r\n    .cc-root .cc-submit {\r\n      flex: 1 1 auto; width: auto; font-family: inherit; font-size: 18px; font-weight: 700;\r\n      color: #fff; background: var(--cc-accent); border: none; border-radius: var(--cc-radius);\r\n      padding: 16px; min-height: 56px; cursor: pointer; transition: background .15s, transform .05s;\r\n      box-shadow: 0 4px 14px rgba(26,59,140,.28);\r\n    }\r\n    .cc-root .cc-submit:hover { background: var(--cc-accent-d); }\r\n    .cc-root .cc-submit:active { transform: translateY(1px); }\r\n    .cc-root .cc-submit:disabled { opacity: .65; cursor: default; }\r\n    .cc-root .cc-submit .cc-spin {\r\n      display: none; width: 18px; height: 18px; border: 2.5px solid rgba(255,255,255,.5);\r\n      border-top-color: #fff; border-radius: 50%; vertical-align: -3px; margin-right: 8px; animation: cc-spin .7s linear infinite;\r\n    }\r\n    .cc-root .cc-submit.is-loading .cc-spin { display: inline-block; }\r\n    @keyframes cc-spin { to { transform: rotate(360deg); } }\r\n\r\n    .cc-root .cc-form-msg { display: none; margin-top: 14px; padding: 14px 16px; border-radius: var(--cc-radius-s); font-size: 16px; font-weight: 600; background: var(--cc-error-s); color: var(--cc-error); }\r\n    .cc-root .cc-form-msg.show { display: block; }\r\n    .cc-root .cc-hint { font-size: 14px; color: var(--cc-muted); margin-top: 6px; }\r\n    .cc-root .cc-hidden { display: none !important; }\r\n    .cc-root .cc-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }\r\n\r\n    @media (prefers-reduced-motion: reduce) {\r\n      .cc-root .cc-submit .cc-spin { animation: none; }\r\n      .cc-root * { transition: none !important; animation: none !important; }\r\n    }\r\n    \/* v3.1.1: Auf sehr schmalen Geraeten werden Zeilen gestapelt - AUSSER den\r\n       Zeilen, die inhaltlich zusammengehoeren und nebeneinander bleiben\r\n       muessen (.cc-row-keep): Strasse\/Nr., PLZ\/Ort\/Kanton, Datumsfelder,\r\n       Telefonvorwahl\/Nummer. Vorher galt die Stapelung fuer alle Zeilen. *\/\r\n    @media (max-width: 400px) {\r\n      .cc-root .cc-row:not(.cc-row-keep) { flex-direction: column; gap: 0; }\r\n      .cc-root .cc-row:not(.cc-row-keep) > * { margin-bottom: 14px; }\r\n    }\r\n    @media (max-width: 600px) {\r\n      .cc-root label.cc-lbl, .cc-root input[type=text], .cc-root input[type=tel], .cc-root input[type=email],\r\n      .cc-root input[type=number], .cc-root select, .cc-root textarea, .cc-root .cc-sub, .cc-root .cc-lead { font-size: 17px; }\r\n      .cc-root .cc-check-txt { font-size: 16px; line-height: 1.45; }\r\n      .cc-root .cc-hint, .cc-root .cc-err-msg, .cc-root .cc-sec-title, .cc-root .cc-info-box, .cc-root .cc-addbtn { font-size: 15px; }\r\n      .cc-root .cc-note { font-size: 15px; }\r\n      .cc-root .cc-rate-note, .cc-root .cc-slider-scale { font-size: 14px; }\r\n      .cc-root .cc-rate-label { font-size: 13px; white-space: nowrap; }\r\n      .cc-root .cc-rate-big { font-size: 22px; }\r\n      .cc-root .cc-vers-name { font-size: 18px; }\r\n      .cc-root .cc-vers-list { font-size: 15px; }\r\n      .cc-root .cc-legal-sep { font-size: 16px; }\r\n    }\r\n    \/* v3.1.1: In den zusammenhaengenden Zeilen etwas Platz sparen, damit\r\n       PLZ\/Ort\/Kanton, Tag\/Monat\/Jahr und Telefon auch auf 360 px nebeneinander\r\n       passen. Schriftgroesse bleibt bei 16px - darunter zoomt iOS beim Fokus. *\/\r\n    @media (max-width: 480px) {\r\n      .cc-root .cc-row-keep { gap: 8px; }\r\n      .cc-root .cc-row-keep input, .cc-root .cc-row-keep select { font-size: 16px; padding-left: 10px; padding-right: 10px; }\r\n      .cc-root .cc-row-keep select { padding-right: 26px; background-position: right 8px center; }\r\n      .cc-root .cc-row-keep .cc-lbl { font-size: 15px; }\r\n    }\r\n  <\/style>\r\n\r\n  <form id=\"ccForm\" novalidate autocomplete=\"on\">\r\n\r\n    <h2>Demande de cr\u00e9dit<\/h2>\r\n    <p class=\"cc-lead\">Sans engagement et gratuit. Toutes vos donn\u00e9es sont trait\u00e9es de mani\u00e8re confidentielle.<\/p>\r\n\r\n    <!-- Fortschritt -->\r\n    <div class=\"cc-progress\">\r\n      <div class=\"cc-progress-top\">\r\n        <span id=\"ccStepLabel\">\u00c9tape 1 sur 7<\/span>\r\n        <span id=\"ccStepTitle\">Montant souhait\u00e9<\/span>\r\n      <\/div>\r\n      <div class=\"cc-progress-bar\"><div class=\"cc-progress-fill\" id=\"ccProgressFill\"><\/div><\/div>\r\n    <\/div>\r\n\r\n    <!-- v3.2.0: Schritt-Titel & Schrittw\u00f6rter als versteckt gerendertes HTML, damit\r\n         TranslatePress sie schon beim ersten Laden \u00fcbersetzt. Das JS unten liest die\r\n         Texte aus diesen Elementen statt aus fest verdrahteten JS-Strings. -->\r\n    <div id=\"ccStepTitleSrc\" style=\"display:none\" aria-hidden=\"true\">\r\n      <div>Montant souhait\u00e9<\/div>\r\n      <div>Donn\u00e9es personnelles<\/div>\r\n      <div>Contact et consentement<\/div>\r\n      <div>Logement et famille<\/div>\r\n      <div>Revenus et emploi<\/div>\r\n      <div>R\u00e9capitulatif et envoi<\/div>\r\n    <\/div>\r\n    <div id=\"ccStepWordSrc\" style=\"display:none\" aria-hidden=\"true\">\r\n      <div>\u00c9tape<\/div>\r\n      <div>sur<\/div>\r\n    <\/div>\r\n\r\n    <!-- ============ STEP 1: KREDITWUNSCH ============ -->\r\n    <div class=\"cc-step\" data-step=\"0\">\r\n      <div class=\"cc-card cc-card-hero\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">1<\/span> Montant souhait\u00e9<\/p>\r\n\r\n        <!-- Auswahl-Zusammenfassung (nur sichtbar bei ?r=0, v2.2.1) -->\r\n        <div id=\"ccPickBox\" hidden>\r\n          <div class=\"cc-pick-grid\">\r\n            <div class=\"cc-pick-item\">\r\n              <span class=\"cc-pick-lbl\" id=\"ccPickBetragLbl\">Votre montant de cr\u00e9dit<\/span>\r\n              <span class=\"cc-pick-val\"><span id=\"ccPickBetrag\">\u2013<\/span> <small>CHF<\/small><\/span>\r\n            <\/div>\r\n            <div class=\"cc-pick-item\">\r\n              <span class=\"cc-pick-lbl\" id=\"ccPickLaufzeitLbl\">Votre dur\u00e9e<\/span>\r\n              <span class=\"cc-pick-val\"><span id=\"ccPickLaufzeit\">\u2013<\/span> <small id=\"ccPickMonate\">mois<\/small><\/span>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"cc-rate\">\r\n            <div class=\"cc-rate-main\">\r\n              <div class=\"cc-rate-label\" id=\"ccPickRateLbl\">Mensualit\u00e9 d\u00e8s<\/div>\r\n              <div class=\"cc-rate-big\"><span id=\"ccPickRateMin\">\u2013<\/span> <small>CHF<\/small><\/div>\r\n            <\/div>\r\n            <div class=\"cc-rate-side\">\r\n              <span id=\"ccPickSide1\">au meilleur taux<\/span> <b><span id=\"ccPickZinsMin\">4.9<\/span>%<\/b><br>\r\n              <span id=\"ccPickSide2\">\u00e0<\/span> <span id=\"ccPickRateMax\">\u2013<\/span> CHF <span id=\"ccPickSide3\">\u00e0<\/span> <span id=\"ccPickZinsMax\">9.95<\/span>%\r\n            <\/div>\r\n          <\/div>\r\n          <p class=\"cc-rate-note\"><span id=\"ccPickNoteTxt\">Valeur indicative sans engagement. Le taux annuel effectif d\u00e9pend de votre solvabilit\u00e9<\/span> (<span id=\"ccPickZinsMinN\">4.9<\/span>%\u2013<span id=\"ccPickZinsMaxN\">9.95<\/span>% p.a.).<\/p>\r\n          <button type=\"button\" class=\"cc-pick-btn\" id=\"ccPickChange\" aria-expanded=\"false\" aria-controls=\"ccCalcWrap\">Modifier le montant ou la dur\u00e9e<\/button>\r\n        <\/div>\r\n\r\n        <!-- Kreditrechner -->\r\n        <div id=\"ccCalcWrap\">\r\n        <div class=\"cc-field\">\r\n          <div class=\"cc-slider-head\">\r\n            <label class=\"cc-lbl\" for=\"ccBetrag\" style=\"margin:0\">Montant du cr\u00e9dit<\/label>\r\n            <span class=\"cc-slider-val\"><span id=\"ccBetragTxt\">20\u2019000<\/span> <small>CHF<\/small><\/span>\r\n          <\/div>\r\n          <input type=\"range\" id=\"ccBetrag\" min=\"0\" max=\"119\" step=\"1\" value=\"15\">\r\n          <div class=\"cc-slider-scale\"><span id=\"ccScaleMin\">5\u2019000<\/span><span id=\"ccScaleMax\">300\u2019000<\/span><\/div>\r\n          <input type=\"hidden\" name=\"Kreditbetrag\" id=\"ccBetragHidden\" value=\"20000\">\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <div class=\"cc-slider-head\">\r\n            <label class=\"cc-lbl\" for=\"ccLaufzeit\" style=\"margin:0\">Dur\u00e9e<\/label>\r\n            <span class=\"cc-slider-val\"><span id=\"ccLaufzeitTxt\">36<\/span> <small>mois<\/small><\/span>\r\n          <\/div>\r\n          <input type=\"range\" id=\"ccLaufzeit\" min=\"0\" max=\"7\" step=\"1\" value=\"2\">\r\n          <div class=\"cc-slider-scale\"><span id=\"ccDurScaleMin\">12<\/span><span id=\"ccDurScaleMax\">120<\/span><\/div>\r\n          <input type=\"hidden\" name=\"Laufzeit\" id=\"ccLaufzeitHidden\" value=\"36\">\r\n        <\/div>\r\n        <div class=\"cc-rate\">\r\n          <div class=\"cc-rate-main\">\r\n            <div class=\"cc-rate-label\">Mensualit\u00e9 d\u00e8s<\/div>\r\n            <div class=\"cc-rate-big\"><span id=\"ccRateMin\">\u2013<\/span> <small>CHF<\/small><\/div>\r\n          <\/div>\r\n          <div class=\"cc-rate-side\">\r\n            au meilleur taux <b><span id=\"ccZinsMin\">4.9<\/span>%<\/b><br>\r\n            \u00e0 <span id=\"ccRateMax\">\u2013<\/span> CHF \u00e0 <span id=\"ccZinsMax\">9.95<\/span>%\r\n          <\/div>\r\n        <\/div>\r\n        <p class=\"cc-rate-note\">Valeur indicative sans engagement. Le taux annuel effectif d\u00e9pend de votre solvabilit\u00e9 (<span id=\"ccZinsMinN\">4.9<\/span>%\u2013<span id=\"ccZinsMaxN\">9.95<\/span>% p.a.).<\/p>\r\n        <\/div><!-- \/#ccCalcWrap -->\r\n        <div class=\"cc-purpose\">\r\n          <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccZweck\">Utilisation pr\u00e9vue <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccZweck\" name=\"Verwendungszweck\" required>\r\n            <option value=\"\">- Veuillez choisir -<\/option>\r\n            <option value=\"Ausbildung\">Formation<\/option>\r\n            <option value=\"Auto \/ Motorrad\">Voiture \/ moto<\/option>\r\n            <option value=\"Einrichtung \/ M\u00f6bel\">Am\u00e9nagement \/ meubles<\/option>\r\n            <option value=\"Elektronische Ger\u00e4te\">Appareils \u00e9lectroniques<\/option>\r\n            <option value=\"Ferien\">Vacances<\/option>\r\n            <option value=\"Kredit abl\u00f6sen\">Rachat de cr\u00e9dit<\/option>\r\n            <option value=\"Kreditkarte abl\u00f6sen\">Rachat de carte de cr\u00e9dit<\/option>\r\n            <option value=\"Immobilie in der Schweiz\">Propri\u00e9t\u00e9 en Suisse<\/option>\r\n            <option value=\"Immobilie im Ausland\">Propri\u00e9t\u00e9 \u00e0 l'\u00e9tranger<\/option>\r\n            <option value=\"Rechnung bezahlen\">Paiement de facture<\/option>\r\n            <option value=\"Schulden\">Dettes<\/option>\r\n            <option value=\"Steuern\">Imp\u00f4ts<\/option>\r\n            <option value=\"Andere\">Autre<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir l'utilisation pr\u00e9vue.<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- ============ STEP 2: PERS\u00d6NLICHE ANGABEN ============ -->\r\n    <div class=\"cc-step\" data-step=\"1\">\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">2<\/span> Donn\u00e9es personnelles<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\">Civilit\u00e9 <span class=\"cc-req\">*<\/span><\/label>\r\n          <div class=\"cc-seg\" id=\"ccAnredeSeg\">\r\n            <button type=\"button\" data-val=\"Herr\" aria-pressed=\"false\">Monsieur<\/button>\r\n            <button type=\"button\" data-val=\"Frau\" aria-pressed=\"false\">Madame<\/button>\r\n          <\/div>\r\n          <input type=\"hidden\" name=\"Anrede\" id=\"ccAnrede\" required>\r\n          <div class=\"cc-err-msg\">Veuillez choisir la civilit\u00e9.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-row\">\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccVorname\">Pr\u00e9nom <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccVorname\" name=\"vorname\" autocomplete=\"given-name\" required>\r\n            <div class=\"cc-err-msg\">Veuillez saisir le pr\u00e9nom.<\/div>\r\n          <\/div>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccNachname\">Nom <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccNachname\" name=\"nachname\" autocomplete=\"family-name\" required>\r\n            <div class=\"cc-err-msg\">Veuillez saisir le nom.<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccGeb\">Date de naissance <span class=\"cc-req\">*<\/span><\/label>\r\n          <input type=\"text\" id=\"ccGeb\" name=\"Geburtsdatum\" inputmode=\"numeric\" placeholder=\"JJ.MM.AAAA\" maxlength=\"10\" autocomplete=\"bday\" required>\r\n          <!-- v2.5.0: eine Meldung je Fall statt einer Sammelmeldung -->\r\n          <div class=\"cc-err-msg\">\r\n            <span data-e=\"format\">Veuillez saisir une date valide (JJ.MM.AAAA).<\/span>\r\n            <span data-e=\"min\" class=\"cc-hidden\">Aucun cr\u00e9dit possible : l'\u00e2ge minimum est de 18 ans.<\/span>\r\n            <span data-e=\"max\" class=\"cc-hidden\">Aucun cr\u00e9dit possible : l'\u00e2ge maximum est de 68 ans.<\/span>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-row cc-row-keep\">\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccStrasse\">Rue <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccStrasse\" name=\"Strasse\" autocomplete=\"address-line1\" required>\r\n            <div class=\"cc-err-msg\">Veuillez saisir la rue.<\/div>\r\n          <\/div>\r\n          <div class=\"cc-field\" style=\"flex:0 0 30%\">\r\n            <label class=\"cc-lbl\" for=\"ccStrasseNr\">N\u00b0 <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccStrasseNr\" name=\"Strassennr\" maxlength=\"6\" autocomplete=\"address-line2\" placeholder=\"p. ex. 15B\" required>\r\n            <div class=\"cc-err-msg\">N\u00b0<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-row cc-row-keep\">\r\n          <div class=\"cc-field\" style=\"flex:0 0 96px\">\r\n            <label class=\"cc-lbl\" for=\"ccPLZ\">NPA <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccPLZ\" name=\"PLZ\" inputmode=\"numeric\" maxlength=\"5\" autocomplete=\"postal-code\" style=\"max-width:130px\" required>\r\n            <div class=\"cc-err-msg\">NPA invalide.<\/div>\r\n          <\/div>\r\n          <div class=\"cc-field\" style=\"flex:1 1 auto\">\r\n            <label class=\"cc-lbl\" for=\"ccOrt\">Localit\u00e9 <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccOrt\" name=\"Ort\" autocomplete=\"address-level2\" required>\r\n            <select id=\"ccOrtSelect\" class=\"cc-hidden\" aria-label=\"Choisir la localit\u00e9\"><\/select>\r\n            <div class=\"cc-err-msg\">Veuillez saisir la localit\u00e9.<\/div>\r\n          <\/div>\r\n          <div class=\"cc-field\" style=\"flex:0 0 64px\">\r\n            <label class=\"cc-lbl\" for=\"ccKanton\">Canton<\/label>\r\n            <input type=\"text\" id=\"ccKanton\" name=\"Kanton\" maxlength=\"2\" autocomplete=\"off\" readonly tabindex=\"-1\" aria-readonly=\"true\" title=\"Repris automatiquement du NPA\" style=\"text-transform:uppercase;max-width:90px\" placeholder=\"autom.\">\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\">Domicili\u00e9 \u00e0 cette adresse depuis <span class=\"cc-req\">*<\/span><\/label>\r\n          <div class=\"cc-row cc-row-keep\">\r\n            <select name=\"SeitwannadresseMonat\" id=\"ccAdrMonat\" aria-label=\"Mois\"><\/select>\r\n            <select name=\"SeitwannadresseJahr\" id=\"ccAdrJahr\" aria-label=\"Ann\u00e9e\"><\/select>\r\n          <\/div>\r\n          <div class=\"cc-err-msg\">Veuillez choisir le mois et l'ann\u00e9e.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-hidden\" id=\"ccOldAddrBlock\">\r\n          <p class=\"cc-sub cc-sub2\">Adresse pr\u00e9c\u00e9dente (moins de 2 ans \u00e0 l'adresse actuelle)<\/p>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccAlteStrasse\">Ancienne rue et n\u00b0<\/label>\r\n            <input type=\"text\" id=\"ccAlteStrasse\" name=\"alte_strasse\" autocomplete=\"off\">\r\n          <\/div>\r\n          <div class=\"cc-row\">\r\n            <div class=\"cc-field\" style=\"flex:0 0 34%\">\r\n              <label class=\"cc-lbl\" for=\"ccAltePLZ\">NPA pr\u00e9c\u00e9dent<\/label>\r\n              <input type=\"text\" id=\"ccAltePLZ\" name=\"alte_plz\" inputmode=\"numeric\" maxlength=\"5\" autocomplete=\"off\">\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccAlterOrt\">Localit\u00e9 pr\u00e9c\u00e9dente<\/label>\r\n              <input type=\"text\" id=\"ccAlterOrt\" name=\"alter_ort\" autocomplete=\"off\">\r\n              <select id=\"ccAlterOrtSelect\" class=\"cc-hidden\" aria-label=\"Choisir la localit\u00e9\"><\/select>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccNation\">Nationalit\u00e9 <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccNation\" name=\"Nation\" required><\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir la nationalit\u00e9.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-hidden\" id=\"ccAuslBlock\">\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccAusweis\">Titre de s\u00e9jour<\/label>\r\n            <select id=\"ccAusweis\" name=\"AuslaenderAusweis\">\r\n              <option value=\"\">Choisir le titre de s\u00e9jour<\/option>\r\n              <option value=\"C\">Titre de s\u00e9jour C (\u00e9tablissement)<\/option>\r\n              <option value=\"B\">Titre de s\u00e9jour B (s\u00e9jour)<\/option>\r\n              <option value=\"G\">Titre de s\u00e9jour G (frontalier)<\/option>\r\n              <option value=\"L\">Titre de s\u00e9jour L (courte dur\u00e9e)<\/option>\r\n              <option value=\"F\">Titre de s\u00e9jour F (diplomate \/ consulat)<\/option>\r\n            <\/select>\r\n          <\/div>\r\n          <div class=\"cc-field\" id=\"ccInCHBlock\">\r\n            <label class=\"cc-lbl\">En Suisse depuis <span class=\"cc-req\">*<\/span><\/label>\r\n            <div class=\"cc-row cc-row-keep\">\r\n              <select name=\"SeitWannInCHTag\"   id=\"ccInCHTag\"   aria-label=\"Jour\"><\/select>\r\n              <select name=\"SeitWannInCHMonat\" id=\"ccInCHMonat\" aria-label=\"Mois\"><\/select>\r\n              <select name=\"SeitWannInCH\"      id=\"ccInCHJahr\"  aria-label=\"Ann\u00e9e\"><\/select>\r\n            <\/div>\r\n            <div class=\"cc-err-msg\">Veuillez choisir le jour, le mois et l'ann\u00e9e.<\/div>\r\n            <!-- v2.5.0: Aufenthaltsdauer -->\r\n            <div class=\"cc-note cc-note-stop cc-hidden\" id=\"ccChStop\">\r\n              <strong>Aucun cr\u00e9dit possible.<\/strong> Vous n'\u00eates pas encore en Suisse depuis une ann\u00e9e compl\u00e8te. Dans ce cas, aucun cr\u00e9dit ne peut malheureusement \u00eatre accord\u00e9. N'h\u00e9sitez pas \u00e0 nous recontacter d\u00e8s que vous serez domicili\u00e9 en Suisse depuis un an.\r\n            <\/div>\r\n            <div class=\"cc-note cc-note-info cc-hidden\" id=\"ccChHint\">\r\n              <strong>Veuillez noter :<\/strong> Si votre arriv\u00e9e en Suisse remonte \u00e0 moins de 2 ans, un cr\u00e9dit n'est possible que dans de rares cas. Veuillez remplir int\u00e9gralement le formulaire, puis appelez-nous afin que nous puissions analyser votre situation en d\u00e9tail.\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- ============ STEP 3: KONTAKT + ZUSTIMMUNG ============ -->\r\n    <div class=\"cc-step\" data-step=\"2\">\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">3<\/span> Contact<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccTelNum\">T\u00e9l\u00e9phone <span class=\"cc-req\">*<\/span><\/label>\r\n          <div class=\"cc-row cc-row-keep\" style=\"gap:8px\">\r\n            <select id=\"ccTelCountry\" style=\"flex:0 0 128px\" aria-label=\"Indicatif du pays\">\r\n              <option value=\"41\" data-ph=\"079 123 45 67\" selected>\ud83c\udde8\ud83c\udded +41<\/option>\r\n              <option value=\"423\" data-ph=\"660 12 34\">\ud83c\uddf1\ud83c\uddee +423<\/option>\r\n              <option value=\"49\" data-ph=\"0151 23456789\">\ud83c\udde9\ud83c\uddea +49<\/option>\r\n              <option value=\"33\" data-ph=\"06 12 34 56 78\">\ud83c\uddeb\ud83c\uddf7 +33<\/option>\r\n              <option value=\"39\" data-ph=\"312 345 6789\">\ud83c\uddee\ud83c\uddf9 +39<\/option>\r\n            <\/select>\r\n            <input type=\"tel\" id=\"ccTelNum\" inputmode=\"tel\" placeholder=\"079 123 45 67\" autocomplete=\"tel-national\" style=\"flex:1 1 auto\">\r\n          <\/div>\r\n          <input type=\"hidden\" name=\"phonenumber\" id=\"ccTel\">\r\n          <div class=\"cc-err-msg\">Veuillez v\u00e9rifier le num\u00e9ro de t\u00e9l\u00e9phone (le nombre de chiffres ne correspond pas).<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccEmail\">E-mail <span class=\"cc-req\">*<\/span><\/label>\r\n          <input type=\"email\" id=\"ccEmail\" name=\"email\" inputmode=\"email\" placeholder=\"nom@exemple.ch\" autocomplete=\"email\" required>\r\n          <div class=\"cc-err-msg\">Veuillez saisir une adresse e-mail valide.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field cc-comm-box\">\r\n          <label class=\"cc-lbl\">Comment pouvons-nous vous contacter ?<\/label>\r\n          <div class=\"cc-comm-row\">\r\n            <label class=\"cc-check\">\r\n              <input type=\"checkbox\" id=\"ccKontaktEmail\" name=\"kontakt_email\" checked>\r\n              <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n              <span class=\"cc-check-txt\">E-mail<\/span>\r\n            <\/label>\r\n            <label class=\"cc-check\">\r\n              <input type=\"checkbox\" id=\"ccKontaktWhatsapp\" name=\"kontakt_whatsapp\" checked>\r\n              <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n              <span class=\"cc-check-txt\">WhatsApp<\/span>\r\n            <\/label>\r\n          <\/div>\r\n          <div class=\"cc-comm-row\" style=\"margin-top:12px\">\r\n            <label class=\"cc-check\">\r\n              <input type=\"checkbox\" id=\"ccKontaktSms\" name=\"kontakt_sms\" checked>\r\n              <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n              <span class=\"cc-check-txt\">SMS<\/span>\r\n            <\/label>\r\n            <label class=\"cc-check\">\r\n              <input type=\"checkbox\" id=\"ccKontaktTelefon\" name=\"kontakt_telefon\" checked>\r\n              <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n              <span class=\"cc-check-txt\">T\u00e9l\u00e9phone<\/span>\r\n            <\/label>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cc-legal-sep\">Mentions l\u00e9gales et consentement<\/div>\r\n        <!-- Zustimmung (hier, damit ab jetzt gespeichert werden darf) -->\r\n        <div class=\"cc-field cc-consent\" id=\"ccConsentField\">\r\n          <label class=\"cc-check\">\r\n            <input type=\"checkbox\" id=\"ccRecht\" name=\"rechtliche_hinweise\" required>\r\n            <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n            <span class=\"cc-check-txt\">\r\n              J'ai pris connaissance des <a href=\"https:\/\/www.bestfinance.ch\/legal-information-bf\/\" class=\"cc-legal-link\" data-l=\"legal\" rel=\"noopener\">mentions l\u00e9gales<\/a>\r\n              et j'accepte l' <a href=\"https:\/\/www.bestfinance.ch\/privacy-policy-bf\/\" class=\"cc-legal-link\" data-l=\"privacy\" rel=\"noopener\">utilisation de moyens de communication \u00e9lectroniques<\/a>. Mes donn\u00e9es peuvent, \u00e0 partir de ce consentement, \u00eatre enregistr\u00e9es et utilis\u00e9es pour le traitement de ma demande ainsi que pour la prise de contact. <span class=\"cc-req\">*<\/span>\r\n            <\/span>\r\n          <\/label>\r\n          <div class=\"cc-err-msg\" style=\"margin-left:38px\">Ce consentement est n\u00e9cessaire pour continuer.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-check\">\r\n            <input type=\"checkbox\" id=\"ccWerbung\" name=\"Werbung\">\r\n            <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n            <span class=\"cc-check-txt\">Je souhaite \u00eatre inform\u00e9 des offres pertinentes (r\u00e9vocable \u00e0 tout moment).<\/span>\r\n          <\/label>\r\n        <\/div>\r\n        <p class=\"cc-hint\">\ud83d\udd12 Vos donn\u00e9es sont transmises de mani\u00e8re crypt\u00e9e et trait\u00e9es de fa\u00e7on confidentielle.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- ============ STEP 4: WOHNEN & FAMILIE ============ -->\r\n    <div class=\"cc-step\" data-step=\"3\">\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">4<\/span> Logement et famille<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccMietStatus\">Situation de logement <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccMietStatus\" name=\"MietStatus\" required>\r\n            <option value=\"Miete\" selected>Locataire<\/option>\r\n            <option value=\"Eigentum\">Propri\u00e9taire<\/option>\r\n            <option value=\"bei Eltern\">Chez les parents<\/option>\r\n            <option value=\"Untermiete\">Sous-location<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\" id=\"ccMieteField\">\r\n          <label class=\"cc-lbl\" for=\"ccMiete\">Loyer mensuel (CHF) <span class=\"cc-req\">*<\/span><\/label>\r\n          <input type=\"text\" id=\"ccMiete\" name=\"Miete\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 1500\">\r\n          <div class=\"cc-err-msg\">Veuillez saisir le loyer.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-hidden\" id=\"ccHypoBlock\">\r\n          <div class=\"cc-row\">\r\n            <div class=\"cc-field\" style=\"flex:1 1 auto\">\r\n              <label class=\"cc-lbl\" for=\"ccHypothek\">Hypoth\u00e8que totale (CHF)<span class=\"cc-info\" tabindex=\"0\" data-tip=\"Gemeint ist die Gesamth\u00f6he der aktuellen Hypothek.\">i<\/span><\/label>\r\n              <input type=\"text\" id=\"ccHypothek\" name=\"Hypothek\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 500\u2019000\">\r\n            <\/div>\r\n            <div class=\"cc-field\" style=\"flex:0 0 44%\">\r\n              <label class=\"cc-lbl\" for=\"ccHypoSeit\">Propri\u00e9taire depuis<\/label>\r\n              <select id=\"ccHypoSeit\" name=\"Hypothek_seit\" aria-label=\"Ann\u00e9e\"><\/select>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccZivil\">\u00c9tat civil <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccZivil\" name=\"Zivilstand\" required>\r\n            <option value=\"1\" selected>C\u00e9libataire<\/option>\r\n            <option value=\"2\">Mari\u00e9(e)<\/option>\r\n            <option value=\"4\">Divorc\u00e9(e)<\/option>\r\n            <option value=\"3\">s\u00e9par\u00e9(e) judiciairement<\/option>\r\n            <option value=\"5\">Veuf \/ veuve<\/option>\r\n            <option value=\"6\">Partenariat enregistr\u00e9<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccKinder\">Nombre d'enfants \u00e0 charge<\/label>\r\n          <select id=\"ccKinder\" name=\"Kinder\">\r\n            <option value=\"0\">0<\/option><option value=\"1\">1<\/option><option value=\"2\">2<\/option>\r\n            <option value=\"3\">3<\/option><option value=\"4\">4<\/option>\r\n          <\/select>\r\n        <\/div>\r\n        <div id=\"ccKinderBlock\" class=\"cc-hidden\">\r\n          <div class=\"cc-field cc-kind cc-hidden\"><label class=\"cc-lbl\">Ann\u00e9e de naissance enfant 1<\/label><select name=\"kind_1\"><\/select><\/div>\r\n          <div class=\"cc-field cc-kind cc-hidden\"><label class=\"cc-lbl\">Ann\u00e9e de naissance enfant 2<\/label><select name=\"kind_2\"><\/select><\/div>\r\n          <div class=\"cc-field cc-kind cc-hidden\"><label class=\"cc-lbl\">Ann\u00e9e de naissance enfant 3<\/label><select name=\"kind_3\"><\/select><\/div>\r\n          <div class=\"cc-field cc-kind cc-hidden\"><label class=\"cc-lbl\">Ann\u00e9e de naissance enfant 4<\/label><select name=\"kind_4\"><\/select><\/div>\r\n        <\/div>\r\n        <!-- v2.5.0: nur bei Ledig UND mindestens einem Kind -->\r\n        <div class=\"cc-field cc-hidden cc-highlight\" id=\"ccWohnsitField\">\r\n          <label class=\"cc-lbl\" for=\"ccWohnsituation\">Vivez-vous seul(e) avec votre \/ vos enfant(s) ou avec un(e) partenaire ? <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccWohnsituation\" name=\"Wohnsituation\">\r\n            <option value=\"\">- Veuillez choisir -<\/option>\r\n            <option value=\"Alleinerziehend\">Parent seul (c\u00e9libataire avec enfant)<\/option>\r\n            <option value=\"Mit Partner\/in im Haushalt\">Vivant avec un(e) partenaire dans le m\u00eame m\u00e9nage<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\" id=\"ccAlimenteField\">\r\n          <label class=\"cc-lbl\" for=\"ccAlimente\">Pensions alimentaires que vous versez \/ mois (CHF)<\/label>\r\n          <input type=\"text\" id=\"ccAlimente\" name=\"Alimente\" class=\"cc-num\" inputmode=\"numeric\" value=\"0\" placeholder=\"0\">\r\n          <p class=\"cc-hint\">Uniquement les paiements que vous effectuez. Les pensions alimentaires que vous percevez, veuillez les indiquer \u00e0 l'\u00e9tape suivante sous \u00abAvez-vous d'autres revenus?\u00bb.<\/p>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccKK\">\r\n            <span id=\"ccKKLbl1\">Prime d'assurance maladie \/ mois (CHF) <span class=\"cc-req\">*<\/span><\/span>\r\n            <span id=\"ccKKLbl2\" class=\"cc-hidden\">Prime d'assurance maladie total du m\u00e9nage \/ mois (CHF) <span class=\"cc-req\">*<\/span><\/span>\r\n          <\/label>\r\n          <input type=\"text\" id=\"ccKK\" name=\"Krankenkasse\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 350\">\r\n          <div class=\"cc-err-msg\">Veuillez saisir la prime d'assurance maladie.<\/div>\r\n          <p class=\"cc-hint\" id=\"ccKKHint\">Votre prime mensuelle.<\/p>\r\n          <!-- v2.5.0: bei Verheiratet \/ Kindern hervorgehoben statt kleiner Fliesstext -->\r\n          <div class=\"cc-note cc-note-info cc-hidden\" id=\"ccKKTotalNote\">\r\n            <strong>Important \u2013 indiquer le montant total :<\/strong> Veuillez saisir la prime par mois pour <strong>tous les membres de la famille vivant dans le m\u00eame m\u00e9nage<\/strong>  (vous, partenaire et enfants). Une valeur trop basse fausse le calcul du budget.\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- ============ STEP 5: EINKOMMEN & BESCH\u00c4FTIGUNG ============ -->\r\n    <div class=\"cc-step\" data-step=\"4\">\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">5<\/span> Revenus et emploi<\/p>\r\n        <p class=\"cc-sub\">Demandeur 1<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccAnstVerh\">Type de contrat de travail <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccAnstVerh\" name=\"AnstellungsVerhaeltniss\" required>\r\n            <option value=\"Angestellt unbefristet\" selected>Employ\u00e9 en contrat \u00e0 dur\u00e9e ind\u00e9termin\u00e9e<\/option>\r\n            <option value=\"Angestellt in Probezeit\">Employ\u00e9 en p\u00e9riode d'essai<\/option>\r\n            <option value=\"Tempor\u00e4r angestellt\">Employ\u00e9 temporaire<\/option>\r\n            <option value=\"Selbst\u00e4ndig (Einzelfirma)\">Ind\u00e9pendant (raison individuelle)<\/option>\r\n            <option value=\"Selbst\u00e4ndig (AG oder GmbH)\">Ind\u00e9pendant (SA ou S\u00e0rl)<\/option>\r\n            <option value=\"Rentner (IV \/ AHV)\">Rentier (AI \/ AVS)<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir.<\/div>\r\n          <!-- v2.5.0: Voraussetzungen je Anstellungsart -->\r\n          <div class=\"cc-note cc-note-info cc-hidden\" id=\"ccAnstTemp\">\r\n            <strong>Info :<\/strong> Condition : au moins 6 mois aupr\u00e8s de la m\u00eame agence de placement temporaire ainsi qu'un contrat de travail \u00e0 dur\u00e9e ind\u00e9termin\u00e9e.\r\n          <\/div>\r\n          <div class=\"cc-note cc-note-info cc-hidden\" id=\"ccAnstEinzel\">\r\n            <strong>Info :<\/strong> Condition : au moins 2 ans d'activit\u00e9 ind\u00e9pendante avec une taxation fiscale d\u00e9finitive.\r\n          <\/div>\r\n          <div class=\"cc-note cc-note-info cc-hidden\" id=\"ccAnstGmbh\">\r\n            <strong>Info :<\/strong> Veuillez tenir pr\u00eates les 3 derni\u00e8res fiches de salaire avec avis de cr\u00e9dit attestant vos revenus.\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\">Employ\u00e9 depuis <span class=\"cc-req\">*<\/span><\/label>\r\n          <div class=\"cc-row cc-row-keep\">\r\n            <select name=\"SeitwannAGMonat\" id=\"ccAGMonat\" aria-label=\"Mois\"><\/select>\r\n            <select name=\"SeitwannAGJahr\" id=\"ccAGJahr\" aria-label=\"Ann\u00e9e\"><\/select>\r\n          <\/div>\r\n          <div class=\"cc-err-msg\">Veuillez indiquer.<\/div>\r\n          <!-- v2.5.0: weniger als 3 Monate beim aktuellen Arbeitgeber -->\r\n          <div class=\"cc-note cc-note-warn cc-hidden\" id=\"ccAGProbe\">\r\n            <strong>Remarque :<\/strong> En cas de moins de 3 mois aupr\u00e8s de l'employeur actuel, un cr\u00e9dit n'est possible que si la p\u00e9riode d'essai est d\u00e9j\u00e0 termin\u00e9e.\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccTransport\">Moyen de transport pour le travail <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccTransport\" name=\"Transport\" required>\r\n            <option value=\"\">- Choisir le moyen de transport pour le travail -<\/option>\r\n            <option value=\"Zu Fuss\">\u00c0 pied<\/option>\r\n            <option value=\"Velo\">V\u00e9lo<\/option>\r\n            <option value=\"Motorrad\">Moto<\/option>\r\n            <option value=\"\u00d6ffentlicher Verkehr\">Transports publics<\/option>\r\n            <option value=\"Auto\">Voiture<\/option>\r\n            <option value=\"Gesch\u00e4ftsauto\">Voiture de fonction<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir le moyen de transport.<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccEinkommen\">Revenu net \/ mois (CHF) <span class=\"cc-req\">*<\/span><\/label>\r\n          <div class=\"cc-inline\">\r\n            <input type=\"text\" id=\"ccEinkommen\" name=\"Einkommen\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"min. 3&#039;000\">\r\n            <label class=\"cc-check\">\r\n              <input type=\"checkbox\" id=\"ccM13\" name=\"Monatslohn13\">\r\n              <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n              <span class=\"cc-check-txt\">13e salaire<\/span>\r\n            <\/label>\r\n          <\/div>\r\n          <div class=\"cc-err-msg\">Veuillez saisir le revenu net (min. CHF 3'000).<\/div>\r\n        <\/div>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccWeitEink1\">Avez-vous d'autres revenus ?<\/label>\r\n          <select id=\"ccWeitEink1\" class=\"cc-weitEink\" data-target=\"ccWeitEink1Block\">\r\n            <option value=\"Nein\">Non<\/option><option value=\"Ja\">Oui<\/option>\r\n          <\/select>\r\n        <\/div>\r\n        <div class=\"cc-hidden\" id=\"ccWeitEink1Block\">\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccEinkArt2As1\">Description des autres revenus<\/label>\r\n            <select id=\"ccEinkArt2As1\" name=\"einkommen_art2_as1\">\r\n              <option value=\"\">Veuillez choisir<\/option>\r\n              <option value=\"Nebenerwerb\">Activit\u00e9 accessoire<\/option>\r\n              <option value=\"Bonuszahlungen\">Paiements de bonus<\/option>\r\n              <option value=\"Alimente\">Pensions alimentaires<\/option>\r\n              <option value=\"Mietzahlungen\">Revenus locatifs<\/option>\r\n              <option value=\"Trinkgeld\">Pourboires<\/option>\r\n              <option value=\"sonstige Zahlungen\">autres paiements<\/option>\r\n            <\/select>\r\n          <\/div>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccEink2As1\">Revenu net \/ mois (CHF)<\/label>\r\n            <input type=\"text\" id=\"ccEink2As1\" name=\"einkommen2_as1\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 800\">\r\n          <\/div>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccWeitEink1b\">Autres revenus ?<\/label>\r\n            <select id=\"ccWeitEink1b\" class=\"cc-weitEink\" data-target=\"ccWeitEink1bBlock\">\r\n              <option value=\"Nein\">Non<\/option><option value=\"Ja\">Oui<\/option>\r\n            <\/select>\r\n          <\/div>\r\n          <div class=\"cc-hidden\" id=\"ccWeitEink1bBlock\">\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccEinkArt3As1\">Description des autres revenus<\/label>\r\n              <select id=\"ccEinkArt3As1\" name=\"einkommen_art3_as1\">\r\n                <option value=\"\">Veuillez choisir<\/option>\r\n                <option value=\"Nebenerwerb\">Activit\u00e9 accessoire<\/option>\r\n                <option value=\"Bonuszahlungen\">Paiements de bonus<\/option>\r\n                <option value=\"Alimente\">Pensions alimentaires<\/option>\r\n                <option value=\"Mietzahlungen\">Revenus locatifs<\/option>\r\n                <option value=\"Trinkgeld\">Pourboires<\/option>\r\n                <option value=\"sonstige Zahlungen\">autres paiements<\/option>\r\n              <\/select>\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccEink3As1\">Revenu net \/ mois (CHF)<\/label>\r\n              <input type=\"text\" id=\"ccEink3As1\" name=\"einkommen3_as1\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 500\">\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cc-field cc-hidden cc-highlight\" id=\"ccPartnerIncomeQ\">\r\n          <label class=\"cc-lbl\" for=\"ccPartnerHatEink\">Votre conjoint(e) \/ partenaire a-t-il\/elle un revenu ?<\/label>\r\n          <select id=\"ccPartnerHatEink\" name=\"partner_hat_einkommen\">\r\n            <option value=\"Nein\">Non<\/option><option value=\"Ja\">Oui<\/option>\r\n          <\/select>\r\n          <p class=\"cc-hint\">Si votre conjoint(e) ou partenaire de vie dispose \u00e9galement d'un revenu, la probabilit\u00e9 d'un accord de cr\u00e9dit et de conditions avantageuses peut augmenter.<\/p>\r\n        <\/div>\r\n        <!-- v2.5.0: Partner\/in ohne Einkommen -> Situation erfassen -->\r\n        <div class=\"cc-field cc-hidden cc-highlight\" id=\"ccPartnerSitField\">\r\n          <label class=\"cc-lbl\" for=\"ccPartnerSituation\">Qu'est-ce qui s'applique \u00e0 votre partenaire ? <span class=\"cc-req\">*<\/span><\/label>\r\n          <select id=\"ccPartnerSituation\" name=\"PartnerSituation\">\r\n            <option value=\"\">- Veuillez choisir -<\/option>\r\n            <option value=\"Hausfrau\/Hausmann\">Femme \/ homme au foyer<\/option>\r\n            <option value=\"Arbeitslos\">Sans emploi<\/option>\r\n            <option value=\"nicht arbeitst\u00e4tig\">sans activit\u00e9 professionnelle<\/option>\r\n            <option value=\"Wohnhaft im Ausland\">Domicili\u00e9(e) \u00e0 l'\u00e9tranger<\/option>\r\n          <\/select>\r\n          <div class=\"cc-err-msg\">Veuillez choisir.<\/div>\r\n          <div class=\"cc-field cc-hidden\" id=\"ccPartnerAuslandField\" style=\"margin-top:14px\">\r\n            <label class=\"cc-lbl\" for=\"ccAlimenteInCHF\">Paiement de soutien \u00e0 l'\u00e9tranger \/ mois (CHF) <span class=\"cc-req\">*<\/span><\/label>\r\n            <input type=\"text\" id=\"ccAlimenteInCHF\" name=\"AlimenteInCHF\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 500\">\r\n            <p class=\"cc-hint\">Montant que vous envoyez chaque mois \u00e0 votre partenaire ou \u00e0 votre famille \u00e0 l'\u00e9tranger. En l'absence de paiement : saisir 0.<\/p>\r\n            <div class=\"cc-err-msg\">Veuillez saisir le montant (0 en l'absence de paiement).<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div id=\"ccPartnerBlock\" class=\"cc-hidden cc-panel2\">\r\n          <p class=\"cc-sub cc-sub2\">Demandeur 2<\/p>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccPartnerVerh\">Type de contrat de travail<\/label>\r\n            <select id=\"ccPartnerVerh\" name=\"PartnerAnstellungsVerhaeltniss\">\r\n              <option value=\"Angestellt unbefristet\" selected>Employ\u00e9 en contrat \u00e0 dur\u00e9e ind\u00e9termin\u00e9e<\/option>\r\n              <option value=\"Angestellt in Probezeit\">Employ\u00e9 en p\u00e9riode d'essai<\/option>\r\n              <option value=\"Tempor\u00e4r angestellt\">Employ\u00e9 temporaire<\/option>\r\n              <option value=\"Selbst\u00e4ndig (Einzelfirma)\">Ind\u00e9pendant (raison individuelle)<\/option>\r\n              <option value=\"Selbst\u00e4ndig (AG oder GmbH)\">Ind\u00e9pendant (SA ou S\u00e0rl)<\/option>\r\n              <option value=\"Rentner (IV \/ AHV)\">Rentier (AI \/ AVS)<\/option>\r\n            <\/select>\r\n          <\/div>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\">Employ\u00e9 depuis<\/label>\r\n            <div class=\"cc-row cc-row-keep\">\r\n              <select name=\"PartnerSeitwannAngestelltMonat\" id=\"ccPartnerMonat\" aria-label=\"Mois\"><\/select>\r\n              <select name=\"PartnerSeitwannAngestelltCHJahr\" id=\"ccPartnerJahr\" aria-label=\"Ann\u00e9e\"><\/select>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccPartnerEinkommen\">Revenu net \/ mois (CHF)<\/label>\r\n            <div class=\"cc-inline\">\r\n              <input type=\"text\" id=\"ccPartnerEinkommen\" name=\"PartnerEinkommen\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 5000\">\r\n              <label class=\"cc-check\">\r\n                <input type=\"checkbox\" id=\"ccPM13\" name=\"PartnerMonatslohn13\">\r\n                <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n                <span class=\"cc-check-txt\">13e salaire<\/span>\r\n              <\/label>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"cc-field\">\r\n            <label class=\"cc-lbl\" for=\"ccWeitEink2\">Avez-vous d'autres revenus ?<\/label>\r\n            <select id=\"ccWeitEink2\" class=\"cc-weitEink\" data-target=\"ccWeitEink2Block\">\r\n              <option value=\"Nein\">Non<\/option><option value=\"Ja\">Oui<\/option>\r\n            <\/select>\r\n          <\/div>\r\n          <div class=\"cc-hidden\" id=\"ccWeitEink2Block\">\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccEinkArt2As2\">Description des autres revenus<\/label>\r\n              <select id=\"ccEinkArt2As2\" name=\"einkommen_art2_as2\">\r\n                <option value=\"\">Veuillez choisir<\/option>\r\n                <option value=\"Nebenerwerb\">Activit\u00e9 accessoire<\/option>\r\n                <option value=\"Bonuszahlungen\">Paiements de bonus<\/option>\r\n                <option value=\"Alimente\">Pensions alimentaires<\/option>\r\n                <option value=\"Mietzahlungen\">Revenus locatifs<\/option>\r\n                <option value=\"Trinkgeld\">Pourboires<\/option>\r\n                <option value=\"sonstige Zahlungen\">autres paiements<\/option>\r\n              <\/select>\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccEink2As2\">Revenu net \/ mois (CHF)<\/label>\r\n              <input type=\"text\" id=\"ccEink2As2\" name=\"einkommen2_as2\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 800\">\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccWeitEink2b\">Autres revenus ?<\/label>\r\n              <select id=\"ccWeitEink2b\" class=\"cc-weitEink\" data-target=\"ccWeitEink2bBlock\">\r\n                <option value=\"Nein\">Non<\/option><option value=\"Ja\">Oui<\/option>\r\n              <\/select>\r\n            <\/div>\r\n            <div class=\"cc-hidden\" id=\"ccWeitEink2bBlock\">\r\n              <div class=\"cc-field\">\r\n                <label class=\"cc-lbl\" for=\"ccEinkArt3As2\">Description des autres revenus<\/label>\r\n                <select id=\"ccEinkArt3As2\" name=\"einkommen_art3_as2\">\r\n                  <option value=\"\">Veuillez choisir<\/option>\r\n                  <option value=\"Nebenerwerb\">Activit\u00e9 accessoire<\/option>\r\n                  <option value=\"Bonuszahlungen\">Paiements de bonus<\/option>\r\n                  <option value=\"Alimente\">Pensions alimentaires<\/option>\r\n                  <option value=\"Mietzahlungen\">Revenus locatifs<\/option>\r\n                  <option value=\"Trinkgeld\">Pourboires<\/option>\r\n                  <option value=\"sonstige Zahlungen\">autres paiements<\/option>\r\n                <\/select>\r\n              <\/div>\r\n              <div class=\"cc-field\">\r\n                <label class=\"cc-lbl\" for=\"ccEink3As2\">Revenu net \/ mois (CHF)<\/label>\r\n                <input type=\"text\" id=\"ccEink3As2\" name=\"einkommen3_as2\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 500\">\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">6<\/span> Autres engagements<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccKredite\">Avez-vous d'autres cr\u00e9dits ou engagements en cours (leasing, carte de cr\u00e9dit, cr\u00e9dit priv\u00e9) ?<\/label>\r\n          <select id=\"ccKredite\" name=\"Kredite\">\r\n            <option value=\"Nein\" selected>Non<\/option>\r\n            <option value=\"Ja\">Oui<\/option>\r\n          <\/select>\r\n        <\/div>\r\n        <div class=\"cc-hidden\" id=\"ccBankBlock\">\r\n          <p class=\"cc-hint\" style=\"margin:2px 0 10px\">Veuillez indiquer vos engagements en cours avec la banque \/ l'institut et le solde ouvert. Une indication approximative suffit.<\/p>\r\n          <div class=\"cc-bankrow\">\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccBank1\">Banque \/ institut 1<\/label>\r\n              <input type=\"text\" id=\"ccBank1\" name=\"Bank1\" placeholder=\"p. ex. Banque XY \/ soci\u00e9t\u00e9 de leasing\">\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccSaldo1\">Solde ouvert env. (CHF)<\/label>\r\n              <input type=\"text\" id=\"ccSaldo1\" name=\"Saldo1\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 8000\">\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"cc-bankrow cc-hidden\">\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccBank2\">Banque \/ institut 2<\/label>\r\n              <input type=\"text\" id=\"ccBank2\" name=\"Bank2\" placeholder=\"p. ex. Banque XY \/ soci\u00e9t\u00e9 de leasing\">\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccSaldo2\">Solde ouvert env. (CHF)<\/label>\r\n              <input type=\"text\" id=\"ccSaldo2\" name=\"Saldo2\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 5000\">\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"cc-bankrow cc-hidden\">\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccBank3\">Banque \/ institut 3<\/label>\r\n              <input type=\"text\" id=\"ccBank3\" name=\"Bank3\" placeholder=\"p. ex. Banque XY \/ soci\u00e9t\u00e9 de leasing\">\r\n            <\/div>\r\n            <div class=\"cc-field\">\r\n              <label class=\"cc-lbl\" for=\"ccSaldo3\">Solde ouvert env. (CHF)<\/label>\r\n              <input type=\"text\" id=\"ccSaldo3\" name=\"Saldo3\" class=\"cc-num\" inputmode=\"numeric\" placeholder=\"p. ex. 3000\">\r\n            <\/div>\r\n          <\/div>\r\n          <button type=\"button\" class=\"cc-addbtn\" id=\"ccAddBank\">+ Ajouter un autre engagement<\/button>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">7<\/span> Poursuites<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-check\">\r\n            <input type=\"checkbox\" id=\"ccBetr\" name=\"Betreibungen\">\r\n            <span class=\"cc-box\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#fff\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>\r\n            <span class=\"cc-check-txt\">Avez-vous eu par le pass\u00e9 des poursuites ou des actes de d\u00e9faut de biens ?<\/span>\r\n          <\/label>\r\n        <\/div>\r\n        <div class=\"cc-warn cc-hidden\" id=\"ccBetrMsg\">\r\n          <strong>Important :<\/strong> Veuillez vous assurer, avant de d\u00e9poser votre demande, que les poursuites ouvertes sont pay\u00e9es et de pr\u00e9f\u00e9rence radi\u00e9es. En pr\u00e9sence de poursuites ouvertes, votre demande sera refus\u00e9e.\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- ============ STEP 6: KURZ\u00dcBERSICHT, MITTEILUNG & ABSENDEN ============ -->\r\n    <div class=\"cc-step\" data-step=\"5\">\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">8<\/span> Assurance des mensualit\u00e9s<\/p>\r\n        <div class=\"cc-field\" style=\"margin-top:6px\">\r\n          <label class=\"cc-lbl\">\r\n            Assurance des mensualit\u00e9s en cas de maladie \/ accident \/ ch\u00f4mage ?\r\n            <button type=\"button\" class=\"cc-info-btn\" id=\"ccVersInfoBtn\" aria-expanded=\"false\" aria-controls=\"ccVersInfo\" aria-label=\"Plus d&#039;informations sur l&#039;assurance des mensualit\u00e9s\">i<\/button>\r\n          <\/label>\r\n          <div class=\"cc-info-box\" id=\"ccVersInfo\" hidden>\r\n            Vous prot\u00e9gez ainsi votre paiement des mensualit\u00e9s en cas d'incapacit\u00e9 de gain ainsi que de ch\u00f4mage involontaire. La couverture du cr\u00e9dit est facultative.\r\n          <\/div>\r\n          <div class=\"cc-seg cc-seg-stack\" id=\"ccVersSeg\">\r\n            <button type=\"button\" data-val=\"1\" aria-pressed=\"false\">Oui, je souhaite \u00eatre couvert(e)<\/button>\r\n            <button type=\"button\" data-val=\"0\" aria-pressed=\"true\">Non, j'assume ce risque moi-m\u00eame<\/button>\r\n          <\/div>\r\n          <input type=\"hidden\" name=\"Ratenversicherung\" id=\"ccVers\" value=\"0\">\r\n          <div class=\"cc-vers-opts cc-hidden\" id=\"ccVersOptions\">\r\n            <p class=\"cc-hint\" style=\"margin:2px 0 10px;font-weight:600;color:var(--cc-ink)\">Choisissez votre couverture :<\/p>\r\n            <div class=\"cc-vers-card\" data-prod=\"IncomeProtect Basic \u2013 CHF 66\/Mt.\" aria-selected=\"false\" tabindex=\"0\">\r\n              <span class=\"cc-vers-check\">\u2713 S\u00e9lectionn\u00e9<\/span>\r\n              <div class=\"cc-vers-head cc-vers-basic\">\r\n                <span class=\"cc-vers-badge\">Populaire<\/span>\r\n                <div class=\"cc-vers-name\">IncomeProtect Basic<\/div>\r\n                <div class=\"cc-vers-sub\">CHF 2.20 \/ jour \u00b7 CHF 66.\u2013 \/ mois<\/div>\r\n              <\/div>\r\n              <div class=\"cc-vers-body\">\r\n                <div class=\"cc-vers-price\"><b>66<\/b><small>.\u2013\/mois<\/small><\/div>\r\n                <ul class=\"cc-vers-list\">\r\n                  <li>Ch\u00f4mage : CHF 1'000.\u2013 \/ mois<\/li>\r\n                  <li>Incapacit\u00e9 de travail : CHF 1'000.\u2013 \/ mois<\/li>\r\n                <\/ul>\r\n              <\/div>\r\n              <div class=\"cc-vers-foot\">Sans examen de sant\u00e9 \u00b7 ind\u00e9pendamment de l'\u00e2ge et de la profession \u00b7 r\u00e9siliable \u00e0 tout moment<\/div>\r\n            <\/div>\r\n            <div class=\"cc-vers-card\" data-prod=\"IncomeProtect Premium \u2013 CHF 99\/Mt.\" aria-selected=\"false\" tabindex=\"0\">\r\n              <span class=\"cc-vers-check\">\u2713 S\u00e9lectionn\u00e9<\/span>\r\n              <div class=\"cc-vers-head cc-vers-premium\">\r\n                <span class=\"cc-vers-badge\">Premium<\/span>\r\n                <div class=\"cc-vers-name\">IncomeProtect Premium<\/div>\r\n                <div class=\"cc-vers-sub\">CHF 3.30 \/ jour \u00b7 CHF 99.\u2013 \/ mois<\/div>\r\n              <\/div>\r\n              <div class=\"cc-vers-body\">\r\n                <div class=\"cc-vers-price\"><b>99<\/b><small>.\u2013\/mois<\/small><\/div>\r\n                <ul class=\"cc-vers-list\">\r\n                  <li>Ch\u00f4mage : CHF 1'800.\u2013 \/ mois<\/li>\r\n                  <li>Incapacit\u00e9 de travail : CHF 1'800.\u2013 \/ mois<\/li>\r\n                <\/ul>\r\n              <\/div>\r\n              <div class=\"cc-vers-foot\">Sans examen de sant\u00e9 \u00b7 ind\u00e9pendamment de l'\u00e2ge et de la profession \u00b7 r\u00e9siliable \u00e0 tout moment<\/div>\r\n            <\/div>\r\n            <input type=\"hidden\" name=\"Ratenversicherung_Produkt\" id=\"ccVersProd\" value=\"\">\r\n            <div class=\"cc-err-msg\" id=\"ccVersErr\">Veuillez choisir une couverture.<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- v2.5.1: Die Kurz\u00fcbersicht ist bewusst NICHT sichtbar. Die Hinweise\r\n           sind interne Bewertungsvermerke f\u00fcr die Kreditberatung und werden\r\n           still im versteckten Feld cc_hinweise \u00fcbermittelt (siehe\r\n           ccBuildSummary weiter unten). -->\r\n\r\n      <div class=\"cc-card\">\r\n        <p class=\"cc-sec-title\"><span class=\"num\">9<\/span> Message et envoi<\/p>\r\n        <div class=\"cc-field\">\r\n          <label class=\"cc-lbl\" for=\"ccMsg\">Votre message (facultatif)<\/label>\r\n          <textarea id=\"ccMsg\" name=\"question\" placeholder=\"Votre message pour nous \u2026\"><\/textarea>\r\n        <\/div>\r\n        <p class=\"cc-hint\">En envoyant, vous finalisez votre demande de cr\u00e9dit. Nous v\u00e9rifions vos donn\u00e9es et vous recontactons dans les meilleurs d\u00e9lais.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Honeypot -->\r\n    <div class=\"cc-hp\" aria-hidden=\"true\">\r\n      <label>Veuillez laisser ce champ vide\r\n        <input type=\"text\" name=\"cc_website\" tabindex=\"-1\" autocomplete=\"off\">\r\n      <\/label>\r\n    <\/div>\r\n    <input type=\"hidden\" name=\"cc_ts\"   id=\"ccTs\" value=\"\">\r\n    <input type=\"hidden\" name=\"cc_lang\" id=\"ccLang\" value=\"\">\r\n    <input type=\"hidden\" name=\"lead_uid\" id=\"ccLeadUid\" value=\"\">\r\n    <input type=\"hidden\" name=\"cc_form\" value=\"mittel\">\r\n    <input type=\"hidden\" name=\"cc_hinweise\" id=\"ccHinweise\" value=\"\">\r\n    <input type=\"hidden\" name=\"w1\" id=\"ccW1\" value=\"\">\r\n    <input type=\"hidden\" name=\"fo\" id=\"ccFo\" value=\"\">\r\n    <input type=\"hidden\" name=\"Filiale\" id=\"ccFiliale\" value=\"AA\">\r\n\r\n    <!-- Navigation -->\r\n    <div class=\"cc-nav\">\r\n      <button type=\"button\" class=\"cc-btn cc-btn-back\" id=\"ccBack\" style=\"visibility:hidden\">Retour<\/button>\r\n      <button type=\"button\" class=\"cc-btn cc-btn-next\" id=\"ccNext\">Suivant<\/button>\r\n      <button type=\"submit\" class=\"cc-submit cc-hidden\" id=\"ccSubmit\">\r\n        <span class=\"cc-spin\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"cc-submit-label\">Envoyer la demande de cr\u00e9dit<\/span>\r\n      <\/button>\r\n    <\/div>\r\n\r\n    <div class=\"cc-form-msg\" id=\"ccFormMsg\" role=\"alert\"><\/div>\r\n    <p class=\"cc-hint\" style=\"text-align:center;margin-top:14px\">\ud83d\udd12 Transmission crypt\u00e9e SSL \u00b7 Vos donn\u00e9es sont trait\u00e9es de fa\u00e7on confidentielle.<\/p>\r\n  <\/form>\r\n\r\n  <div class=\"cc-modal\" id=\"ccModal\" aria-hidden=\"true\">\r\n    <div class=\"cc-modal-box\">\r\n      <button type=\"button\" class=\"cc-modal-close\" id=\"ccModalClose\" aria-label=\"Fermer\">&times;<\/button>\r\n      <iframe class=\"cc-modal-iframe\" id=\"ccModalFrame\" src=\"about:blank\" title=\"Informations l\u00e9gales\"><\/iframe>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    \"use strict\";\r\n\r\n    \/\/ CONFIG kommt aus dem PHP-Kopf dieses Snippets (window.BF_KREDIT_CFG).\r\n    \/\/ Die Werte unten sind nur der Notfall-Fallback, falls das Snippet den\r\n    \/\/ Konfigurationsblock nicht ausgeliefert hat. Zum Aendern IMMER den\r\n    \/\/ PHP-Block oben im Snippet verwenden, nicht diese Zeilen.\r\n    var CONFIG = (function () {\r\n      var fallback = {\r\n        ENDPOINT: \"\/wp-json\/bestfinance\/v1\/submit\",\r\n        PLZ_ENDPOINT: \"\/wp-json\/bestfinance\/v1\/gemeinden\",\r\n        THANKYOU_URLS: {\r\n          de: \"https:\/\/www.bestfinance.ch\/danke\/\",\r\n          fr: \"https:\/\/www.bestfinance.ch\/fr\/merci-bcp\/\",\r\n          it: \"https:\/\/www.bestfinance.ch\/it\/grazie-mille\/\",\r\n          pt: \"https:\/\/www.bestfinance.ch\/pt\/muito-obrigado\/\",\r\n          es: \"https:\/\/www.bestfinance.ch\/es\/muchas-gracias\/\",\r\n          en: \"https:\/\/www.bestfinance.ch\/en\/thankyou\/\"\r\n        },\r\n        THANKYOU_URL: \"https:\/\/www.bestfinance.ch\/danke\/\",\r\n        LEGAL_URL: \"https:\/\/www.bestfinance.ch\/legal-information-bf\/\",\r\n        PRIVACY_URL: \"https:\/\/www.bestfinance.ch\/privacy-policy-bf\/\",\r\n        MIN_AGE: 18,\r\n        MAX_AGE: 68,\r\n        MAX_AGE_END: 65,\r\n        CH_STOP_MONTHS: 12,\r\n        CH_HINT_MONTHS: 24,\r\n        PROBEZEIT_MONTHS: 3,\r\n        SCORING_MONTHS: 12,\r\n        MIN_INCOME: 3000,\r\n        MIN_INCOME_HINT: 4000\r\n      };\r\n      var aus_php = window.BF_KREDIT_CFG || {};\r\n      for (var k in fallback) {\r\n        if (Object.prototype.hasOwnProperty.call(fallback, k) && !(k in aus_php)) { aus_php[k] = fallback[k]; }\r\n      }\r\n      return aus_php;\r\n    })();\r\n\r\n    \/\/ ---- v3.1.0: eigenes Formular bestimmen ----\r\n    \/\/ Auf einer Seite kann ein zweites Formular mit demselben cc-Praefix stehen.\r\n    \/\/ Deshalb wird ab hier NUR noch innerhalb des eigenen .cc-root gesucht.\r\n    \/\/ document.currentScript zeigt waehrend der Ausfuehrung auf genau dieses\r\n    \/\/ <script>; darueber finden wir zuverlaessig den zugehoerigen Container.\r\n    var ROOT = (function () {\r\n      var sc = document.currentScript;\r\n      if (sc && sc.closest) { var r = sc.closest(\".cc-root\"); if (r) { return r; } }\r\n      var alle = document.querySelectorAll(\".cc-root\");\r\n      return alle.length ? alle[alle.length - 1] : null;\r\n    })();\r\n    if (!ROOT) return;\r\n\r\n    var form = ROOT.querySelector(\"#ccForm\") || ROOT.querySelector(\"form\");\r\n    if (!form) return;\r\n\r\n    \/\/ Suche per ID, aber ausschliesslich im eigenen Container. Damit greift das\r\n    \/\/ Skript auch dann richtig zu, wenn dieselbe ID auf der Seite doppelt\r\n    \/\/ vorkommt (getElementById wuerde immer das erste Element liefern).\r\n    function $(id) { return ROOT.querySelector('[id=\"' + id + '\"]'); }\r\n    function nf(n) { return n.toLocaleString(\"de-CH\").replace(\/,\/g, \"\u2019\"); }\r\n    function toggle(el, show) { if (el) el.classList.toggle(\"cc-hidden\", !show); }\r\n\r\n    \/\/ ---- Hilfsfunktionen v2.5.0 ----\r\n    function isHidden(el) { return !el || el.classList.contains(\"cc-hidden\"); }\r\n    function ccInt(v) { return parseInt(String(v == null ? \"\" : v).replace(\/\\D\/g, \"\"), 10) || 0; }\r\n    \/\/ Vergangene Monate seit Jahr\/Monat (Tag optional). null = unvollst\u00e4ndig.\r\n    function ccMonthsSince(y, m, d) {\r\n      y = parseInt(y, 10); m = parseInt(m, 10);\r\n      if (!y || !m) return null;\r\n      var now = new Date();\r\n      var mo = (now.getFullYear() - y) * 12 + (now.getMonth() + 1 - m);\r\n      d = parseInt(d, 10);\r\n      if (d && now.getDate() < d) mo--;\r\n      return mo;\r\n    }\r\n    \/\/ Fehlermeldung mit mehreren Varianten (<span data-e=\"...\">)\r\n    function setErrorVariant(field, key) {\r\n      if (!field) return;\r\n      var box = field.querySelector(\".cc-err-msg\");\r\n      if (box) {\r\n        box.querySelectorAll(\"[data-e]\").forEach(function (s) {\r\n          s.classList.toggle(\"cc-hidden\", s.getAttribute(\"data-e\") !== key);\r\n        });\r\n      }\r\n      field.classList.add(\"cc-invalid\");\r\n    }\r\n\r\n    $(\"ccTs\").value = String(Date.now());\r\n\r\n    \/\/ ---- Sprache (Pfad \/fr\/ \u2026 hat Vorrang, sonst <html lang>) ----\r\n    var CC_LANG = (function () {\r\n      var known = [\"de\", \"fr\", \"it\", \"pt\", \"es\", \"en\"];\r\n      \/\/ v3.6.0: serverseitig aufgel\u00f6ste Sprache hat Vorrang (synchron zur Text\u00fcbersetzung).\r\n      var srv = (CONFIG && CONFIG.LANG) ? String(CONFIG.LANG).slice(0, 2).toLowerCase() : \"\";\r\n      if (known.indexOf(srv) >= 0) return srv;\r\n      var seg = (window.location.pathname || \"\").split(\"\/\").filter(Boolean)[0] || \"\";\r\n      seg = seg.slice(0, 2).toLowerCase();\r\n      if (known.indexOf(seg) >= 0) return seg;\r\n      var hl = (document.documentElement.getAttribute(\"lang\") || navigator.language || \"de\").slice(0, 2).toLowerCase();\r\n      return known.indexOf(hl) >= 0 ? hl : \"de\";\r\n    })();\r\n    $(\"ccLang\").value = (document.documentElement.getAttribute(\"lang\") || navigator.language || CC_LANG).trim();\r\n\r\n    \/\/ ---- \u00dcbersetzungen f\u00fcr dynamische JS-Texte (Sende-Status, Fehlermeldung) ----\r\n    var CC_I18N = {\r\n      sending: { de: \"Wird gesendet \u2026\", fr: \"Envoi en cours \u2026\", it: \"Invio in corso \u2026\", pt: \"A enviar \u2026\", es: \"Enviando \u2026\", en: \"Sending \u2026\" },\r\n      error:   { de: \"Es ist ein Fehler aufgetreten. Bitte versuchen Sie es erneut oder rufen Sie uns an.\",\r\n                 fr: \"Une erreur s'est produite. Veuillez r\u00e9essayer ou nous appeler.\",\r\n                 it: \"Si \u00e8 verificato un errore. La preghiamo di riprovare o di chiamarci.\",\r\n                 pt: \"Ocorreu um erro. Tente novamente ou ligue para n\u00f3s.\",\r\n                 es: \"Se ha producido un error. Int\u00e9ntelo de nuevo o ll\u00e1menos.\",\r\n                 en: \"An error occurred. Please try again or call us.\" },\r\n      submitFailed: { de: \"\u00dcbermittlung fehlgeschlagen.\", fr: \"\u00c9chec de la transmission.\", it: \"Trasmissione non riuscita.\", pt: \"Falha na transmiss\u00e3o.\", es: \"Error en el env\u00edo.\", en: \"Submission failed.\" },\r\n      choose:  { de: \"Bitte w\u00e4hlen\", fr: \"Veuillez choisir\", it: \"Selezionare\", pt: \"Selecione\", es: \"Seleccione\", en: \"Please select\" },\r\n      month:   { de: \"Monat\", fr: \"Mois\", it: \"Mese\", pt: \"M\u00eas\", es: \"Mes\", en: \"Month\" },\r\n      year:    { de: \"Jahr\", fr: \"Ann\u00e9e\", it: \"Anno\", pt: \"Ano\", es: \"A\u00f1o\", en: \"Year\" },\r\n      day:     { de: \"Tag\", fr: \"Jour\", it: \"Giorno\", pt: \"Dia\", es: \"D\u00eda\", en: \"Day\" },\r\n\r\n      \/\/ ---- Auswahl-Zusammenfassung (v2.2.0) ----\r\n      pickAmount:   { de: \"Ihr Kreditbetrag\", fr: \"Votre montant\", it: \"Il suo importo\", pt: \"O seu montante\", es: \"Su importe\", en: \"Your loan amount\" },\r\n      pickDuration: { de: \"Ihre Laufzeit\", fr: \"Votre dur\u00e9e\", it: \"La sua durata\", pt: \"O seu prazo\", es: \"Su plazo\", en: \"Your term\" },\r\n      pickMonths:   { de: \"Monate\", fr: \"mois\", it: \"mesi\", pt: \"meses\", es: \"meses\", en: \"months\" },\r\n      pickRateLbl:  { de: \"Monatliche Rate ab\", fr: \"Mensualit\u00e9 d\u00e8s\", it: \"Rata mensile da\", pt: \"Presta\u00e7\u00e3o mensal a partir de\", es: \"Cuota mensual desde\", en: \"Monthly instalment from\" },\r\n      pickSide1:    { de: \"zum Bestzins\", fr: \"au meilleur taux\", it: \"al tasso migliore\", pt: \"\u00e0 melhor taxa\", es: \"al mejor tipo\", en: \"at the best rate\" },\r\n      pickSide2:    { de: \"bis\", fr: \"jusqu'\u00e0\", it: \"fino a\", pt: \"at\u00e9\", es: \"hasta\", en: \"up to\" },\r\n      pickSide3:    { de: \"bei\", fr: \"\u00e0\", it: \"al\", pt: \"a\", es: \"al\", en: \"at\" },\r\n      pickNote:     { de: \"Unverbindlicher Richtwert. Der effektive Jahreszins richtet sich nach Ihrer Bonit\u00e4t\",\r\n                      fr: \"Valeur indicative sans engagement. Le taux annuel effectif d\u00e9pend de votre solvabilit\u00e9\",\r\n                      it: \"Valore indicativo non vincolante. Il tasso annuo effettivo dipende dalla sua solvibilit\u00e0\",\r\n                      pt: \"Valor indicativo sem compromisso. A taxa anual efetiva depende da sua solv\u00eancia\",\r\n                      es: \"Valor orientativo sin compromiso. El tipo anual efectivo depende de su solvencia\",\r\n                      en: \"Non-binding guide value. The effective annual rate depends on your creditworthiness\" },\r\n      pickChange:   { de: \"Betrag oder Laufzeit \u00e4ndern\", fr: \"Modifier le montant ou la dur\u00e9e\", it: \"Modificare importo o durata\", pt: \"Alterar montante ou prazo\", es: \"Modificar importe o plazo\", en: \"Change amount or term\" }\r\n    };\r\n    function ccT(key) { var m = CC_I18N[key] || {}; return m[CC_LANG] || m.de; }\r\n    function ccSendingLabel(labelEl) { if (!labelEl) return; if (!labelEl.getAttribute(\"data-orig\")) labelEl.setAttribute(\"data-orig\", labelEl.textContent); labelEl.textContent = ccT(\"sending\"); }\r\n    function ccResetLabel(labelEl) { if (!labelEl) return; labelEl.textContent = labelEl.getAttribute(\"data-orig\") || labelEl.textContent; }\r\n\r\n    \/\/ ---- lead_uid ----\r\n    function uuid() {\r\n      try { if (window.crypto && crypto.randomUUID) return crypto.randomUUID(); } catch (e) {}\r\n      return \"xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx\".replace(\/[xy]\/g, function (c) {\r\n        var r;\r\n        if (window.crypto && crypto.getRandomValues) { r = crypto.getRandomValues(new Uint8Array(1))[0] % 16; }\r\n        else { r = Math.floor(Math.random() * 16); }\r\n        var v = c === \"x\" ? r : (r & 0x3 | 0x8);\r\n        return v.toString(16);\r\n      });\r\n    }\r\n    \/\/ v3.3.0: Wiederaufnahme aus der Erinnerungsmail \u2013 eine g\u00fcltige lead_uid aus\r\n    \/\/ der URL \u00fcbernehmen (setzt den bestehenden Datensatz fort statt einen neuen\r\n    \/\/ anzulegen). Sonst wie bisher eine neue UUID erzeugen.\r\n    var LEAD_UID = (function () {\r\n      try {\r\n        var u = new URLSearchParams(window.location.search).get(\"lead_uid\");\r\n        if (u && \/^[A-Za-z0-9_\\-]{8,64}$\/.test(u)) { return u; }\r\n      } catch (e) {}\r\n      return uuid();\r\n    })();\r\n    $(\"ccLeadUid\").value = LEAD_UID;\r\n\r\n    \/\/ ---- Kampagnen-Tracking w1 ----\r\n    function ccGetCookie(n) { var m = document.cookie.match(\"(?:^|; )\" + n + \"=([^;]*)\"); return m ? decodeURIComponent(m[1]) : \"\"; }\r\n    function ccSetCookie(n, v, days) { var d = new Date(); d.setTime(d.getTime() + days * 864e5); document.cookie = n + \"=\" + encodeURIComponent(v) + \";expires=\" + d.toUTCString() + \";path=\/;SameSite=Lax\"; }\r\n    (function () {\r\n      var urlW1 = new URLSearchParams(location.search).get(\"w1\");\r\n      if (urlW1) ccSetCookie(\"cc_w1\", urlW1, 30);\r\n      var w1 = urlW1 || ccGetCookie(\"cc_w1\");\r\n      \/\/ Regel: kein w1 \u00fcbermittelt -> \"direct\"\r\n      if ($(\"ccW1\")) $(\"ccW1\").value = w1 || \"direct\";\r\n    })();\r\n\r\n    \/\/ ---- FilialeOrt (fo) + Filiale \u2013 versteckte Felder ----\r\n    \/\/ Regel fo:      kommt aus ?fo=\u2026 im Link oder aus dem Cookie cc_fo.\r\n    \/\/                Fehlt beides, wird fo aus der Sprache abgeleitet:\r\n    \/\/                PT und FR -> \"LS\", alle anderen (de\/it\/es\/en) -> \"AA\".\r\n    \/\/ Regel Filiale: \u00fcbernimmt seit v2.1.1 den ermittelten fo-Wert.\r\n    \/\/                Ist kein Wert ermittelbar -> \"AA\". (Vorher fest \"BF\".)\r\n    (function () {\r\n      var FILIALE_FALLBACK = \"AA\";\r\n\r\n      \/\/ Nur A-Z, 0-9, Bindestrich\/Unterstrich zulassen, max. 10 Zeichen.\r\n      function ccCleanFo(v) {\r\n        return String(v || \"\").trim().toUpperCase().replace(\/[^A-Z0-9_-]\/g, \"\").slice(0, 10);\r\n      }\r\n\r\n      var urlFo = ccCleanFo(new URLSearchParams(location.search).get(\"fo\"));\r\n      if (urlFo) ccSetCookie(\"cc_fo\", urlFo, 30);\r\n\r\n      var fo = urlFo || ccCleanFo(ccGetCookie(\"cc_fo\"));\r\n\r\n      \/\/ Sprachabh\u00e4ngiger Fallback (unver\u00e4nderte Bestandslogik)\r\n      if (!fo) { fo = (CC_LANG === \"pt\" || CC_LANG === \"fr\") ? \"LS\" : FILIALE_FALLBACK; }\r\n\r\n      if ($(\"ccFo\"))      $(\"ccFo\").value      = fo;\r\n      if ($(\"ccFiliale\")) $(\"ccFiliale\").value = fo || FILIALE_FALLBACK;\r\n    })();\r\n\r\n    \/\/ ---- Select-Optionen f\u00fcllen ----\r\n    function fillMonths(sel) { if (!sel) return; sel.innerHTML = '<option value=\"\">' + ccT('month') + '<\/option>'; for (var i = 1; i <= 12; i++) sel.innerHTML += '<option value=\"' + i + '\">' + i + \"<\/option>\"; }\r\n    function fillDays(sel) { if (!sel) return; sel.innerHTML = '<option value=\"\">' + ccT('day') + '<\/option>'; for (var d = 1; d <= 31; d++) sel.innerHTML += '<option value=\"' + d + '\">' + d + \"<\/option>\"; }\r\n    function fillYears(sel, back) { if (!sel) return; var now = new Date().getFullYear(); sel.innerHTML = '<option value=\"\">' + ccT('year') + '<\/option>'; for (var y = now; y >= now - back; y--) sel.innerHTML += '<option value=\"' + y + '\">' + y + \"<\/option>\"; }\r\n    [\"ccAdrMonat\",\"ccAGMonat\",\"ccPartnerMonat\",\"ccInCHMonat\"].forEach(function (id) { fillMonths($(id)); });\r\n    [\"ccAdrJahr\",\"ccAGJahr\",\"ccPartnerJahr\"].forEach(function (id) { fillYears($(id), 60); });\r\n    fillDays($(\"ccInCHTag\"));\r\n    fillYears($(\"ccInCHJahr\"), 80);\r\n    fillYears($(\"ccHypoSeit\"), 70);\r\n\r\n    \/\/ Nationalit\u00e4ten: VALUE bleibt immer Deutsch (f\u00fcr Mailer\/DB), Label wird \u00fcbersetzt.\r\n    var NATIONEN = [\r\n      [\"Schweiz\",                 {fr:\"Suisse\",it:\"Svizzera\",pt:\"Su\u00ed\u00e7a\",es:\"Suiza\",en:\"Switzerland\"}],\r\n      [\"Deutschland\",             {fr:\"Allemagne\",it:\"Germania\",pt:\"Alemanha\",es:\"Alemania\",en:\"Germany\"}],\r\n      [\"Italien\",                 {fr:\"Italie\",it:\"Italia\",pt:\"It\u00e1lia\",es:\"Italia\",en:\"Italy\"}],\r\n      [\"Frankreich\",              {fr:\"France\",it:\"Francia\",pt:\"Fran\u00e7a\",es:\"Francia\",en:\"France\"}],\r\n      [\"Portugal\",                {fr:\"Portugal\",it:\"Portogallo\",pt:\"Portugal\",es:\"Portugal\",en:\"Portugal\"}],\r\n      [\"Spanien\",                 {fr:\"Espagne\",it:\"Spagna\",pt:\"Espanha\",es:\"Espa\u00f1a\",en:\"Spain\"}],\r\n      [\"\u00d6sterreich\",              {fr:\"Autriche\",it:\"Austria\",pt:\"\u00c1ustria\",es:\"Austria\",en:\"Austria\"}],\r\n      [\"Vereinigtes K\u00f6nigreich\",  {fr:\"Royaume-Uni\",it:\"Regno Unito\",pt:\"Reino Unido\",es:\"Reino Unido\",en:\"United Kingdom\"}],\r\n      [\"Niederlande\",             {fr:\"Pays-Bas\",it:\"Paesi Bassi\",pt:\"Pa\u00edses Baixos\",es:\"Pa\u00edses Bajos\",en:\"Netherlands\"}],\r\n      [\"Belgien\",                 {fr:\"Belgique\",it:\"Belgio\",pt:\"B\u00e9lgica\",es:\"B\u00e9lgica\",en:\"Belgium\"}],\r\n      [\"Polen\",                   {fr:\"Pologne\",it:\"Polonia\",pt:\"Pol\u00f3nia\",es:\"Polonia\",en:\"Poland\"}],\r\n      [\"Rum\u00e4nien\",                {fr:\"Roumanie\",it:\"Romania\",pt:\"Rom\u00e9nia\",es:\"Ruman\u00eda\",en:\"Romania\"}],\r\n      [\"Griechenland\",            {fr:\"Gr\u00e8ce\",it:\"Grecia\",pt:\"Gr\u00e9cia\",es:\"Grecia\",en:\"Greece\"}],\r\n      [\"Kosovo\",                  {fr:\"Kosovo\",it:\"Kosovo\",pt:\"Kosovo\",es:\"Kosovo\",en:\"Kosovo\"}],\r\n      [\"Serbien\",                 {fr:\"Serbie\",it:\"Serbia\",pt:\"S\u00e9rvia\",es:\"Serbia\",en:\"Serbia\"}],\r\n      [\"Nordmazedonien\",          {fr:\"Mac\u00e9doine du Nord\",it:\"Macedonia del Nord\",pt:\"Maced\u00f3nia do Norte\",es:\"Macedonia del Norte\",en:\"North Macedonia\"}],\r\n      [\"Bosnien und Herzegowina\", {fr:\"Bosnie-Herz\u00e9govine\",it:\"Bosnia ed Erzegovina\",pt:\"B\u00f3snia e Herzegovina\",es:\"Bosnia y Herzegovina\",en:\"Bosnia and Herzegovina\"}],\r\n      [\"Kroatien\",                {fr:\"Croatie\",it:\"Croazia\",pt:\"Cro\u00e1cia\",es:\"Croacia\",en:\"Croatia\"}],\r\n      [\"Albanien\",                {fr:\"Albanie\",it:\"Albania\",pt:\"Alb\u00e2nia\",es:\"Albania\",en:\"Albania\"}],\r\n      [\"Montenegro\",              {fr:\"Mont\u00e9n\u00e9gro\",it:\"Montenegro\",pt:\"Montenegro\",es:\"Montenegro\",en:\"Montenegro\"}],\r\n      [\"T\u00fcrkei\",                  {fr:\"Turquie\",it:\"Turchia\",pt:\"Turquia\",es:\"Turqu\u00eda\",en:\"Turkey\"}],\r\n      [\"Sri Lanka\",               {fr:\"Sri Lanka\",it:\"Sri Lanka\",pt:\"Sri Lanka\",es:\"Sri Lanka\",en:\"Sri Lanka\"}],\r\n      [\"Eritrea\",                 {fr:\"\u00c9rythr\u00e9e\",it:\"Eritrea\",pt:\"Eritreia\",es:\"Eritrea\",en:\"Eritrea\"}],\r\n      [\"Brasilien\",               {fr:\"Br\u00e9sil\",it:\"Brasile\",pt:\"Brasil\",es:\"Brasil\",en:\"Brazil\"}],\r\n      [\"Indien\",                  {fr:\"Inde\",it:\"India\",pt:\"\u00cdndia\",es:\"India\",en:\"India\"}],\r\n      [\"China\",                   {fr:\"Chine\",it:\"Cina\",pt:\"China\",es:\"China\",en:\"China\"}],\r\n      [\"Russland\",                {fr:\"Russie\",it:\"Russia\",pt:\"R\u00fassia\",es:\"Rusia\",en:\"Russia\"}],\r\n      [\"Ukraine\",                 {fr:\"Ukraine\",it:\"Ucraina\",pt:\"Ucr\u00e2nia\",es:\"Ucrania\",en:\"Ukraine\"}],\r\n      [\"Vereinigte Staaten\",      {fr:\"\u00c9tats-Unis\",it:\"Stati Uniti\",pt:\"Estados Unidos\",es:\"Estados Unidos\",en:\"United States\"}],\r\n      [\"Andere\",                  {fr:\"Autre\",it:\"Altro\",pt:\"Outro\",es:\"Otro\",en:\"Other\"}]\r\n    ];\r\n    var natSel = $(\"ccNation\");\r\n    natSel.innerHTML = '<option value=\"\">' + ccT('choose') + '<\/option>';\r\n    NATIONEN.forEach(function (n) {\r\n      var deName = n[0], tr = n[1] || {};\r\n      var label = (CC_LANG === \"de\") ? deName : (tr[CC_LANG] || deName);\r\n      natSel.innerHTML += '<option value=\"' + deName + '\">' + label + '<\/option>';\r\n    });\r\n\r\n    \/\/ Kinder-Jahrgang: Dropdown, aktuelles Jahr absteigend bis aktuelles Jahr - 25.\r\n    function fillVintage(sel) {\r\n      if (!sel) return;\r\n      var now = new Date().getFullYear();\r\n      sel.innerHTML = '<option value=\"\">' + ccT('year') + '<\/option>';\r\n      for (var y = now; y >= now - 25; y--) sel.innerHTML += '<option value=\"' + y + '\">' + y + '<\/option>';\r\n    }\r\n    [\"kind_1\",\"kind_2\",\"kind_3\",\"kind_4\"].forEach(function (nm) { fillVintage(form.querySelector('[name=\"' + nm + '\"]')); });\r\n\r\n    \/\/ Statische \"Bitte w\u00e4hlen\"-Platzhalter in die aktuelle Sprache bringen (TranslatePress erreicht <option>-Texte nicht).\r\n    (function () {\r\n      form.querySelectorAll('option[value=\"\"]').forEach(function (o) {\r\n        var t = (o.textContent || \"\").trim();\r\n        if (t === \"Bitte w\u00e4hlen\" || t === \"- Bitte w\u00e4hlen -\") o.textContent = ccT(\"choose\");\r\n      });\r\n    })();\r\n\r\n    \/\/ ---- Rechner-Konfiguration ----\r\n    var _root = ROOT;   \/\/ v3.1.0: eigener Container statt erstem .cc-root der Seite\r\n    var _G = window.CC_CALC || {};\r\n    function _num(dataAttr, key, def) {\r\n      var dv = _root.getAttribute ? _root.getAttribute(dataAttr) : null;\r\n      var raw = (dv !== null && dv !== \"\") ? dv : _G[key];\r\n      var num = parseFloat(String(raw).replace(\",\", \".\"));\r\n      return isFinite(num) && num > 0 ? num : def;\r\n    }\r\n    var MIN_AMOUNT = Math.round(_num(\"data-min-amount\", \"tiefstbetrag\", 5000));\r\n    var MAX_AMOUNT = Math.round(_num(\"data-max-amount\", \"hoechstbetrag\", 300000));\r\n    var RATE_MIN = _num(\"data-rate-min\", \"tiefstzinssatz\", 4.9);\r\n    var RATE_MAX = _num(\"data-rate-max\", \"hoechstzinssatz\", 9.95);\r\n    if (MAX_AMOUNT <= MIN_AMOUNT) MAX_AMOUNT = MIN_AMOUNT + 1000;\r\n    if (RATE_MAX < RATE_MIN) { var _t = RATE_MIN; RATE_MIN = RATE_MAX; RATE_MAX = _t; }\r\n\r\n    var AMOUNTS = [];\r\n    (function () { var bp = 80000, s1 = 1000, s2 = 5000, v = MIN_AMOUNT; while (v < MAX_AMOUNT) { AMOUNTS.push(v); v += (v < bp ? s1 : s2); } AMOUNTS.push(MAX_AMOUNT); })();\r\n    var DUR_MIN = Math.round(_num(\"data-dur-min\", \"tiefstrate\", 12));\r\n    var DUR_MAX = Math.round(_num(\"data-dur-max\", \"hoechstrate\", 120));\r\n    if (DUR_MAX <= DUR_MIN) DUR_MAX = DUR_MIN + 6;\r\n    \/\/ Feste Laufzeit-Stufen laut Gesch\u00e4ftsvorgabe, identisch zu Kreditformel.js:\r\n    \/\/ 6er-Schritte bis 84 Monate, danach direkt 120. Die Zwischenwerte\r\n    \/\/ 90\/96\/102\/108\/114 sind NICHT vermittelbar und werden nicht angeboten.\r\n    \/\/ Die Liste ist bewusst fest, weil sich der Sprung 84 -> 120 nicht aus\r\n    \/\/ Minimum und Maximum ableiten l\u00e4sst. DUR_MIN\/DUR_MAX aus CC_CALC grenzen\r\n    \/\/ sie weiterhin ein.\r\n    var DUR_STEPS = [12, 18, 24, 30, 36, 42, 48, 54, 60, 66, 72, 78, 84, 120];\r\n    var DURATIONS = DUR_STEPS.filter(function (d) { return d >= DUR_MIN && d <= DUR_MAX; });\r\n    if (!DURATIONS.length) DURATIONS = [DUR_STEPS[0]];\r\n    var DEF_AMOUNT = Math.min(Math.max(20000, MIN_AMOUNT), MAX_AMOUNT);\r\n\r\n    function closestIdx(arr, val) { var best = 0, bd = Infinity; for (var i = 0; i < arr.length; i++) { var d = Math.abs(arr[i] - val); if (d < bd) { bd = d; best = i; } } return best; }\r\n    function bindIdxSlider(rangeId, txtId, hiddenId, arr, fmt, defVal) {\r\n      var r = $(rangeId), t = $(txtId), h = $(hiddenId);\r\n      r.min = 0; r.max = arr.length - 1; r.step = 1; r.value = closestIdx(arr, defVal);\r\n      function upd() { var val = arr[parseInt(r.value, 10)] || arr[0]; t.textContent = fmt ? nf(val) : val; h.value = val; }\r\n      r.addEventListener(\"input\", upd); upd();\r\n      return { r: r, arr: arr };\r\n    }\r\n    var betragSl = bindIdxSlider(\"ccBetrag\", \"ccBetragTxt\", \"ccBetragHidden\", AMOUNTS, true, DEF_AMOUNT);\r\n    var laufzeitSl = bindIdxSlider(\"ccLaufzeit\", \"ccLaufzeitTxt\", \"ccLaufzeitHidden\", DURATIONS, false, 36);\r\n\r\n    \/\/ Zinsformel \u2013 zentrale Quelle ist window.BFCalc (bf-calc-shared, wp_head).\r\n    \/\/ Der Prozentwert ist ein EFFEKTIVER Jahreszins. Die Umrechnung auf den\r\n    \/\/ Monatszins erfolgt geometrisch ((1+apr)^(1\/12)-1), NICHT linear (apr\/12).\r\n    \/\/ Das Ergebnis wird auf 5 Rappen gerundet (r5c).\r\n    \/\/ Der lokale Zweig ist nur ein Fallback, falls BFCalc nicht geladen ist,\r\n    \/\/ und ist zeichengenau identisch zu BFCalc.mRate.\r\n    function r5c(v) { return Math.round(v * 20) \/ 20; }\r\n    function monthlyRate(P, annualPct, n) {\r\n      var B = window.BFCalc;\r\n      if (B && typeof B.mRate === \"function\") { return B.mRate(P, n, annualPct); }\r\n      var r = Math.pow(1 + annualPct \/ 100, 1 \/ 12) - 1;\r\n      return r === 0 ? r5c(P \/ n) : r5c(P * r \/ (1 - Math.pow(1 + r, -n)));\r\n    }\r\n    \/\/ Rundung identisch zu Zinsrechner_1.html \/ BFCalc.fmt2: exakte zwei\r\n    \/\/ Nachkommastellen, KEINE 5-Rappen-Rundung. Vorher: Math.round(x*20)\/20,\r\n    \/\/ was Abweichungen bis 2.5 Rappen gegen\u00fcber dem Wunschkredit-Rechner ergab.\r\n    \/\/ Formatierung identisch zu BFCalc.fmt2 \/ fmtI (gerades Hochkomma als\r\n    \/\/ Tausendertrennzeichen, zwei Nachkommastellen). Die Rundung auf 5 Rappen\r\n    \/\/ ist bereits in monthlyRate() erfolgt.\r\n    function fmtChf(x) { var p = Number(x).toFixed(2).split(\".\"); return nf(parseInt(p[0], 10)) + \".\" + p[1]; }\r\n    function updateRate() {\r\n      var P = parseInt($(\"ccBetragHidden\").value, 10) || 0, n = parseInt($(\"ccLaufzeitHidden\").value, 10) || 1;\r\n      $(\"ccRateMin\").textContent = fmtChf(monthlyRate(P, RATE_MIN, n));\r\n      $(\"ccRateMax\").textContent = fmtChf(monthlyRate(P, RATE_MAX, n));\r\n    }\r\n    $(\"ccBetrag\").addEventListener(\"input\", updateRate);\r\n    $(\"ccLaufzeit\").addEventListener(\"input\", updateRate);\r\n    updateRate();\r\n    (function () {\r\n      function pct(x) { return String(Math.round(x * 100) \/ 100); }\r\n      var m;\r\n      if ((m = $(\"ccScaleMin\"))) m.textContent = nf(MIN_AMOUNT);\r\n      if ((m = $(\"ccScaleMax\"))) m.textContent = nf(MAX_AMOUNT);\r\n      if ((m = $(\"ccDurScaleMin\"))) m.textContent = String(DURATIONS[0]);\r\n      if ((m = $(\"ccDurScaleMax\"))) m.textContent = String(DURATIONS[DURATIONS.length - 1]);\r\n      [\"ccZinsMin\", \"ccZinsMinN\"].forEach(function (id) { var e = $(id); if (e) e.textContent = pct(RATE_MIN); });\r\n      [\"ccZinsMax\", \"ccZinsMaxN\"].forEach(function (id) { var e = $(id); if (e) e.textContent = pct(RATE_MAX); });\r\n    })();\r\n    \/\/ Vorbelegung aus dem Link. Akzeptiert mehrere Schreibweisen, damit\r\n    \/\/ bestehende Kampagnenlinks (?amount=\u2026&duration=\u2026) weiterlaufen.\r\n    var CC_HAS_AMOUNT = false, CC_HAS_DURATION = false;\r\n    (function () {\r\n      var p = new URLSearchParams(window.location.search);\r\n      function setFromParam(names, sl) {\r\n        for (var i = 0; i < names.length; i++) {\r\n          var raw = p.get(names[i]);\r\n          if (raw === null || raw === \"\") continue;\r\n          var v = parseInt(String(raw).replace(\/\\D\/g, \"\"), 10);\r\n          if (isNaN(v)) continue;\r\n          sl.r.value = closestIdx(sl.arr, v);\r\n          sl.r.dispatchEvent(new Event(\"input\"));\r\n          return true;\r\n        }\r\n        return false;\r\n      }\r\n      CC_HAS_AMOUNT   = setFromParam([\"Kreditbetrag\", \"amount\", \"betrag\"], betragSl);\r\n      CC_HAS_DURATION = setFromParam([\"Laufzeit\", \"duration\", \"laufzeit\", \"dauer\"], laufzeitSl);\r\n    })();\r\n\r\n    \/\/ ---- Rechner per Link ausblenden (?r=0) \u2013 v2.2.1 ----\r\n    \/\/ Zeigt statt der Slider eine Zusammenfassung der auf der Landingpage\r\n    \/\/ getroffenen Auswahl. Klick auf \"\u00c4ndern\" blendet den Rechner wieder ein.\r\n    \/\/ Sicherung: Ausgeblendet wird NUR, wenn Kreditbetrag UND Laufzeit im Link\r\n    \/\/ stehen. Sonst w\u00fcrde der Besucher unbemerkt die Standardwerte absenden.\r\n    (function () {\r\n      var wrap = $(\"ccCalcWrap\"), box = $(\"ccPickBox\"), btn = $(\"ccPickChange\");\r\n      if (!wrap || !box || !btn) return;\r\n\r\n      var p = new URLSearchParams(window.location.search);\r\n      var raw = String(p.get(\"r\") || \"\").trim().toLowerCase();\r\n      var OFF = [\"0\", \"aus\", \"off\", \"nein\", \"no\", \"false\"];\r\n      if (OFF.indexOf(raw) < 0) return;\r\n      if (!CC_HAS_AMOUNT || !CC_HAS_DURATION) return;\r\n\r\n      function pct(x) { return String(Math.round(x * 100) \/ 100); }\r\n      function txt(id, v) { var e = $(id); if (e) e.textContent = v; }\r\n\r\n      function fillPick() {\r\n        var P = parseInt($(\"ccBetragHidden\").value, 10) || 0;\r\n        var n = parseInt($(\"ccLaufzeitHidden\").value, 10) || 1;\r\n        txt(\"ccPickBetrag\", nf(P));\r\n        txt(\"ccPickLaufzeit\", String(n));\r\n        txt(\"ccPickRateMin\", fmtChf(monthlyRate(P, RATE_MIN, n)));\r\n        txt(\"ccPickRateMax\", fmtChf(monthlyRate(P, RATE_MAX, n)));\r\n        txt(\"ccPickZinsMin\", pct(RATE_MIN));\r\n        txt(\"ccPickZinsMax\", pct(RATE_MAX));\r\n        txt(\"ccPickZinsMinN\", pct(RATE_MIN));\r\n        txt(\"ccPickZinsMaxN\", pct(RATE_MAX));\r\n        txt(\"ccPickBetragLbl\", ccT(\"pickAmount\"));\r\n        txt(\"ccPickLaufzeitLbl\", ccT(\"pickDuration\"));\r\n        txt(\"ccPickMonate\", ccT(\"pickMonths\"));\r\n        txt(\"ccPickRateLbl\", ccT(\"pickRateLbl\"));\r\n        txt(\"ccPickSide1\", ccT(\"pickSide1\"));\r\n        txt(\"ccPickSide2\", ccT(\"pickSide2\"));\r\n        txt(\"ccPickSide3\", ccT(\"pickSide3\"));\r\n        txt(\"ccPickNoteTxt\", ccT(\"pickNote\"));\r\n        txt(\"ccPickChange\", ccT(\"pickChange\"));\r\n      }\r\n\r\n      fillPick();\r\n      wrap.hidden = true;\r\n      box.hidden = false;\r\n\r\n      btn.addEventListener(\"click\", function () {\r\n        wrap.hidden = false;\r\n        box.hidden = true;\r\n        btn.setAttribute(\"aria-expanded\", \"true\");\r\n        var sl = $(\"ccBetrag\");\r\n        if (sl) { try { sl.focus({ preventScroll: true }); } catch (e) { sl.focus(); } }\r\n      });\r\n    })();\r\n\r\n    \/\/ ---- Telefon ----\r\n    var telCountry = $(\"ccTelCountry\"), telNum = $(\"ccTelNum\");\r\n    var TEL = {\r\n      \"41\":  { trunk0: true,  min: 9,  max: 9,  ph: \"079 123 45 67\",  groups: [2,3,2,2] },\r\n      \"423\": { trunk0: false, min: 7,  max: 7,  ph: \"660 12 34\",      groups: [3,2,2] },\r\n      \"49\":  { trunk0: true,  min: 6,  max: 11, ph: \"0151 23456789\",  groups: [3] },\r\n      \"33\":  { trunk0: true,  min: 9,  max: 9,  ph: \"06 12 34 56 78\", groups: [1,2,2,2,2] },\r\n      \"39\":  { trunk0: false, min: 8,  max: 11, ph: \"312 345 6789\",   groups: [3,3,4] }\r\n    };\r\n    function telPh() { var cfg = TEL[telCountry.value]; telNum.placeholder = cfg ? cfg.ph : \"\"; }\r\n    telCountry.addEventListener(\"change\", function () { telPh(); telFormat(); clearError(telNum.closest(\".cc-field\")); });\r\n    telPh();\r\n    \/\/ v3.13.0: Live-Formatierung fuer ALLE Laender (nicht nur CH). Gruppierung\r\n    \/\/ je Land aus TEL[...].groups; bei trunk0-Laendern wird die fuehrende 0 ergaenzt.\r\n    function telFmt(dial, raw) {\r\n      var cfg = TEL[dial];\r\n      var d = String(raw).replace(\/\\D\/g, \"\");\r\n      if (!cfg || !cfg.groups) { return d; }\r\n      if (cfg.trunk0) { d = d.replace(\/^0+\/, \"\"); }\r\n      d = d.slice(0, cfg.max || 15);\r\n      if (d === \"\") { return (cfg.trunk0 && String(raw).replace(\/\\D\/g, \"\") !== \"\") ? \"0\" : \"\"; }\r\n      var parts = [], i = 0, g;\r\n      for (g = 0; g < cfg.groups.length && i < d.length; g++) { parts.push(d.substr(i, cfg.groups[g])); i += cfg.groups[g]; }\r\n      if (i < d.length) { parts.push(d.substr(i)); }\r\n      var out = parts.join(\" \");\r\n      return cfg.trunk0 ? \"0\" + out : out;\r\n    }\r\n    \/\/ v3.11.0: Beim Formatieren die Cursor-Position erhalten. Wir merken uns die\r\n    \/\/ Anzahl Ziffern RECHTS vom Cursor und setzen ihn danach an dieselbe Stelle\r\n    \/\/ zurueck (robust gegen die automatisch vorangestellte 0 bei CH-Nummern).\r\n    function telFormat() {\r\n      var el = telNum;\r\n      var oldVal = el.value;\r\n      var focused = (document.activeElement === el);\r\n      var selEnd = (focused && typeof el.selectionStart === \"number\") ? el.selectionStart : null;\r\n      var digitsAfter = (selEnd === null) ? -1 : oldVal.slice(selEnd).replace(\/\\D\/g, \"\").length;\r\n      var digits = oldVal.replace(\/\\D\/g, \"\");\r\n      var newVal = telFmt(telCountry.value, digits);\r\n      if (newVal === oldVal) { return; }        \/\/ nichts geaendert -> Cursor nicht anfassen\r\n      el.value = newVal;\r\n      if (digitsAfter >= 0) {\r\n        var pos = newVal.length, seen = 0;\r\n        if (digitsAfter > 0) {\r\n          for (var i = newVal.length; i > 0; i--) {\r\n            if (\/\\d\/.test(newVal.charAt(i - 1))) { seen++; if (seen === digitsAfter) { pos = i - 1; break; } }\r\n          }\r\n        }\r\n        try { el.setSelectionRange(pos, pos); } catch (e) {}\r\n      }\r\n    }\r\n    telNum.addEventListener(\"input\", telFormat);\r\n    function nationalDigits() {\r\n      var dial = telCountry.value, cfg = TEL[dial] || {};\r\n      var raw = telNum.value.replace(\/\\D\/g, \"\");\r\n      if (raw.indexOf(\"00\" + dial) === 0) raw = raw.slice(2 + dial.length);\r\n      else if (dial && raw.indexOf(dial) === 0 && raw.length > (cfg.max || 15)) raw = raw.slice(dial.length);\r\n      if (cfg.trunk0) raw = raw.replace(\/^0\/, \"\");\r\n      return raw;\r\n    }\r\n    function fmtPhone(dial, d) {\r\n      if (dial === \"41\"  && d.length === 9) return d.replace(\/(\\d{2})(\\d{3})(\\d{2})(\\d{2})\/, \"$1 $2 $3 $4\");\r\n      if (dial === \"33\"  && d.length === 9) return d.replace(\/(\\d)(\\d{2})(\\d{2})(\\d{2})(\\d{2})\/, \"$1 $2 $3 $4 $5\");\r\n      if (dial === \"39\"  && d.length >= 9)  return d.replace(\/(\\d{3})(\\d{3})(\\d+)\/, \"$1 $2 $3\");\r\n      if (dial === \"49\"  && d.length >= 6)  return d.replace(\/(\\d{3})(\\d+)\/, \"$1 $2\");\r\n      if (dial === \"423\" && d.length === 7) return d.replace(\/(\\d{3})(\\d{2})(\\d{2})\/, \"$1 $2 $3\");\r\n      return d;\r\n    }\r\n    function composePhone() { var dial = telCountry.value, d = nationalDigits(); return d ? \"+\" + dial + \" \" + d : \"\"; }\r\n    function phoneValid() { var cfg = TEL[telCountry.value] || { min: 6, max: 15 }; var n = nationalDigits().length; return n >= cfg.min && n <= cfg.max; }\r\n\r\n    \/\/ ---- Anrede ----\r\n    var seg = $(\"ccAnredeSeg\");\r\n    seg.querySelectorAll(\"button\").forEach(function (b) {\r\n      b.addEventListener(\"click\", function () {\r\n        seg.querySelectorAll(\"button\").forEach(function (x) { x.setAttribute(\"aria-pressed\", \"false\"); });\r\n        b.setAttribute(\"aria-pressed\", \"true\");\r\n        $(\"ccAnrede\").value = b.getAttribute(\"data-val\");\r\n        clearError($(\"ccAnrede\").closest(\".cc-field\"));\r\n        schedulePartial();\r\n      });\r\n    });\r\n\r\n    \/\/ ---- Raten-Versicherung (Ja\/Nein + Produktauswahl Basic\/Premium) ----\r\n    var vInfoBtn = $(\"ccVersInfoBtn\"), vInfo = $(\"ccVersInfo\");\r\n    if (vInfoBtn && vInfo) { vInfoBtn.addEventListener(\"click\", function () { var willOpen = vInfo.hidden; vInfo.hidden = !willOpen; vInfoBtn.setAttribute(\"aria-expanded\", willOpen ? \"true\" : \"false\"); }); }\r\n    var vSeg = $(\"ccVersSeg\");\r\n    var versCards = Array.prototype.slice.call(ROOT.querySelectorAll(\".cc-vers-card\"));\r\n    function versClear() { versCards.forEach(function (c) { c.setAttribute(\"aria-selected\", \"false\"); }); if ($(\"ccVersProd\")) $(\"ccVersProd\").value = \"\"; }\r\n    if (vSeg) vSeg.querySelectorAll(\"button\").forEach(function (b) {\r\n      b.addEventListener(\"click\", function () {\r\n        vSeg.querySelectorAll(\"button\").forEach(function (x) { x.setAttribute(\"aria-pressed\", \"false\"); });\r\n        b.setAttribute(\"aria-pressed\", \"true\");\r\n        var val = b.getAttribute(\"data-val\"); $(\"ccVers\").value = val;\r\n        var want = (val === \"1\");\r\n        toggle($(\"ccVersOptions\"), want);\r\n        if (!want) { versClear(); if ($(\"ccVersOptions\")) $(\"ccVersOptions\").classList.remove(\"cc-invalid\"); }\r\n        schedulePartial();\r\n      });\r\n    });\r\n    versCards.forEach(function (c) {\r\n      function pick() {\r\n        versClear();\r\n        c.setAttribute(\"aria-selected\", \"true\");\r\n        $(\"ccVersProd\").value = c.getAttribute(\"data-prod\");\r\n        $(\"ccVers\").value = \"1\";\r\n        if ($(\"ccVersOptions\")) $(\"ccVersOptions\").classList.remove(\"cc-invalid\");\r\n        schedulePartial();\r\n      }\r\n      c.addEventListener(\"click\", pick);\r\n      c.addEventListener(\"keydown\", function (e) { if (e.key === \"Enter\" || e.key === \" \") { e.preventDefault(); pick(); } });\r\n    });\r\n\r\n    \/\/ ---- Geburtsdatum-Maske (v3.10.0) ----\r\n    \/\/ Reine Ziffern werden automatisch zu TT.MM.JJJJ gruppiert. Tippt der Kunde\r\n    \/\/ mit Trennzeichen (z. B. 1.5.1967), bleiben seine Gruppen erhalten; beim\r\n    \/\/ Verlassen des Feldes \/ Absenden wird auf 01.05.1967 aufgefuellt (padDate).\r\n    var geb = $(\"ccGeb\");\r\n    function padDate(v) {\r\n      v = String(v == null ? \"\" : v).trim();\r\n      if (!v) return v;\r\n      var p = v.split(\/[^0-9]+\/).filter(Boolean);\r\n      if (p.length === 3) {\r\n        var dd = p[0].length < 2 ? (\"0\" + p[0]).slice(-2) : p[0].slice(0, 2);\r\n        var mm = p[1].length < 2 ? (\"0\" + p[1]).slice(-2) : p[1].slice(0, 2);\r\n        var yy = p[2].slice(0, 4);\r\n        return dd + \".\" + mm + \".\" + yy;\r\n      }\r\n      var d = v.replace(\/\\D\/g, \"\").slice(0, 8);\r\n      if (d.length === 8) return d.slice(0, 2) + \".\" + d.slice(2, 4) + \".\" + d.slice(4, 8);\r\n      return v;\r\n    }\r\n    \/\/ v3.14.0: Datums-Formatierung als eigene Funktion + Cursor-Erhalt. Wichtig:\r\n    \/\/ Wenn sich nichts aendert, wird das Feld NICHT neu gesetzt (sonst springt der\r\n    \/\/ Cursor auf manchen Browsern\/Handys an den Anfang und das Jahr laesst sich\r\n    \/\/ nicht mehr tippen).\r\n    function fmtDate(raw) {\r\n      raw = String(raw == null ? \"\" : raw);\r\n      \/\/ Normalisieren, dann Ziffern in Tag(2)\/Monat(2)\/Jahr(4) einfuellen. Ueberlauf\r\n      \/\/ flieszt in die naechste Gruppe; ein vom Nutzer gesetztes Trennzeichen beendet\r\n      \/\/ die aktuelle Gruppe (so bleibt 1.5.1967 = 1 \/ 5 \/ 1967 erhalten).\r\n      var norm = raw.replace(\/[\\\/\\-\\s]+\/g, \".\").replace(\/[^0-9.]\/g, \"\").replace(\/^\\.+\/, \"\").replace(\/\\.{2,}\/g, \".\");\r\n      var groups = norm.split(\".\");\r\n      var caps = [2, 2, 4], slots = [\"\", \"\", \"\"], reached = [false, false, false], slot = 0;\r\n      function adv() { if (slot < 3) { slot++; if (slot <= 2) { reached[slot] = true; } } }\r\n      for (var k = 0; k < groups.length; k++) {\r\n        var g = groups[k];\r\n        for (var c = 0; c < g.length; c++) {\r\n          while (slot < 3 && slots[slot].length >= caps[slot]) { adv(); }\r\n          if (slot >= 3) { break; }\r\n          slots[slot] += g.charAt(c);\r\n        }\r\n        if (slot >= 3) { break; }\r\n        if (k < groups.length - 1) { if (slot < 2) { adv(); } else { slot = 3; } }\r\n      }\r\n      var res = slots[0];\r\n      if (reached[1] || slots[1] !== \"\") { res += \".\" + slots[1]; }\r\n      if (reached[2] || slots[2] !== \"\") { res += \".\" + slots[2]; }\r\n      return res;\r\n    }\r\n    geb.addEventListener(\"input\", function () {\r\n      var el = geb;\r\n      var oldVal = el.value;\r\n      var focused = (document.activeElement === el);\r\n      var selEnd = (focused && typeof el.selectionStart === \"number\") ? el.selectionStart : null;\r\n      var digitsBefore = (selEnd === null) ? -1 : oldVal.slice(0, selEnd).replace(\/\\D\/g, \"\").length;\r\n      var newVal = fmtDate(oldVal);\r\n      if (newVal === oldVal) { return; }          \/\/ nichts geaendert -> Cursor NICHT anfassen\r\n      el.value = newVal;\r\n      if (digitsBefore >= 0) {\r\n        var pos = newVal.length, seen = 0;\r\n        if (digitsBefore <= 0) { pos = 0; }\r\n        else {\r\n          for (var i = 0; i < newVal.length; i++) {\r\n            if (\/\\d\/.test(newVal.charAt(i))) { seen++; if (seen === digitsBefore) { pos = i + 1; break; } }\r\n          }\r\n        }\r\n        try { el.setSelectionRange(pos, pos); } catch (e) {}\r\n      }\r\n    });\r\n    $(\"ccPLZ\").addEventListener(\"input\", function () { this.value = this.value.replace(\/\\D\/g, \"\"); });\r\n    ROOT.querySelectorAll('input[name^=\"kind_\"], .cc-num').forEach(function (inp) {\r\n      \/\/ v2.5.4: Hypothek hat eine eigene Behandlung mit Tausendertrennzeichen\r\n      if (inp.id === \"ccHypothek\") { return; }\r\n      inp.addEventListener(\"input\", function () { this.value = this.value.replace(\/\\D\/g, \"\"); });\r\n    });\r\n    $(\"ccKanton\").addEventListener(\"input\", function () { this.value = this.value.toUpperCase().replace(\/[^A-Z]\/g, \"\"); });\r\n\r\n    \/\/ ---- Name \/ Vorname \/ Strasse: jeweils ersten Buchstaben gross ----\r\n    function capitalizeWords(s) {\r\n      return String(s).replace(\/(^|[\\s\\-'.])([\\p{L}])\/gu, function (m, sep, ch) { return sep + ch.toUpperCase(); });\r\n    }\r\n    [\"ccVorname\", \"ccNachname\", \"ccStrasse\"].forEach(function (id) {\r\n      var el = $(id);\r\n      if (!el) return;\r\n      el.addEventListener(\"blur\", function () {\r\n        var v = capitalizeWords(this.value);\r\n        if (v !== this.value) { this.value = v; }\r\n      });\r\n    });\r\n\r\n    \/\/ ---- PLZ \u2192 Ort\/Kanton ----\r\n    function plzLookup(plzInput, ortInput, ortSelect, kantonInput) {\r\n      var plz = plzInput.value.replace(\/\\D\/g, \"\");\r\n      ortSelect.classList.add(\"cc-hidden\"); ortInput.classList.remove(\"cc-hidden\");\r\n      if (plz.length !== 4) return;\r\n      fetch(CONFIG.PLZ_ENDPOINT + \"?plz=\" + plz, { headers: { \"Accept\": \"application\/json\" } })\r\n        .then(function (r) { return r.json(); })\r\n        .then(function (list) {\r\n          if (!Array.isArray(list) || list.length === 0) return;\r\n          ortInput.value = list[0].ort || \"\";\r\n          if (kantonInput) kantonInput.value = (list[0].kanton || \"\").toUpperCase();\r\n          if (list.length > 1) {\r\n            ortSelect.innerHTML = list.map(function (g) {\r\n              return '<option value=\"' + g.ort + '\" data-kanton=\"' + (g.kanton || \"\") + '\">' + g.ort + (g.kanton ? \" (\" + g.kanton + \")\" : \"\") + \"<\/option>\";\r\n            }).join(\"\");\r\n            ortSelect._ort = ortInput; ortSelect._kanton = kantonInput;\r\n            ortInput.classList.add(\"cc-hidden\"); ortSelect.classList.remove(\"cc-hidden\");\r\n          }\r\n          clearError(ortInput.closest(\".cc-field\"));\r\n          schedulePartial();\r\n        })\r\n        .catch(function () {});\r\n    }\r\n    function bindOrtSelect(sel) {\r\n      sel.addEventListener(\"change\", function () {\r\n        this._ort.value = this.value;\r\n        var opt = this.options[this.selectedIndex];\r\n        if (this._kanton) this._kanton.value = (opt.getAttribute(\"data-kanton\") || \"\").toUpperCase();\r\n        schedulePartial();\r\n      });\r\n    }\r\n    $(\"ccPLZ\").addEventListener(\"input\", function () { plzLookup($(\"ccPLZ\"), $(\"ccOrt\"), $(\"ccOrtSelect\"), $(\"ccKanton\")); });\r\n    bindOrtSelect($(\"ccOrtSelect\"));\r\n    $(\"ccAltePLZ\").addEventListener(\"input\", function () { this.value = this.value.replace(\/\\D\/g, \"\"); plzLookup($(\"ccAltePLZ\"), $(\"ccAlterOrt\"), $(\"ccAlterOrtSelect\"), null); });\r\n    bindOrtSelect($(\"ccAlterOrtSelect\"));\r\n\r\n    \/\/ ---- Fr\u00fchere Adresse < 2 Jahre ----\r\n    function updateOldAddr() {\r\n      var m = parseInt($(\"ccAdrMonat\").value, 10), y = parseInt($(\"ccAdrJahr\").value, 10);\r\n      if (!m || !y) { toggle($(\"ccOldAddrBlock\"), false); return; }\r\n      var now = new Date();\r\n      var months = (now.getFullYear() - y) * 12 + (now.getMonth() + 1 - m);\r\n      toggle($(\"ccOldAddrBlock\"), months >= 0 && months < 24);\r\n    }\r\n    $(\"ccAdrMonat\").addEventListener(\"change\", updateOldAddr);\r\n    $(\"ccAdrJahr\").addEventListener(\"change\", updateOldAddr);\r\n\r\n    if ($(\"ccBetr\")) $(\"ccBetr\").addEventListener(\"change\", function () { toggle($(\"ccBetrMsg\"), this.checked); });\r\n    ROOT.querySelectorAll(\".cc-weitEink\").forEach(function (sel) {\r\n      sel.addEventListener(\"change\", function () { toggle($(this.getAttribute(\"data-target\")), this.value === \"Ja\"); });\r\n    });\r\n\r\n    function updateAusweis() {\r\n      var notCH = natSel.value && natSel.value !== \"Schweiz\";\r\n      toggle($(\"ccAuslBlock\"), notCH);\r\n      var isC = $(\"ccAusweis\").value === \"C\";\r\n      toggle($(\"ccInCHBlock\"), notCH && !isC);\r\n      updateChNotes();\r\n    }\r\n    natSel.addEventListener(\"change\", updateAusweis);\r\n    $(\"ccAusweis\").addEventListener(\"change\", updateAusweis);\r\n\r\n    \/\/ ---- v2.5.0: Aufenthaltsdauer Schweiz ----\r\n    function ccChMonths() {\r\n      if (isHidden($(\"ccAuslBlock\")) || isHidden($(\"ccInCHBlock\"))) return null;\r\n      return ccMonthsSince($(\"ccInCHJahr\").value, $(\"ccInCHMonat\").value, $(\"ccInCHTag\").value);\r\n    }\r\n    function updateChNotes() {\r\n      var mo = ccChMonths();\r\n      toggle($(\"ccChStop\"), mo !== null && mo >= 0 && mo < CONFIG.CH_STOP_MONTHS);\r\n      toggle($(\"ccChHint\"), mo !== null && mo >= CONFIG.CH_STOP_MONTHS && mo < CONFIG.CH_HINT_MONTHS);\r\n    }\r\n    [\"ccInCHTag\", \"ccInCHMonat\", \"ccInCHJahr\"].forEach(function (id) {\r\n      var e = $(id); if (e) e.addEventListener(\"change\", updateChNotes);\r\n    });\r\n\r\n    \/\/ ---- v2.5.0: Probezeit-Hinweis (< 3 Monate beim Arbeitgeber) ----\r\n    function updateAGNotes() {\r\n      var mo = ccMonthsSince($(\"ccAGJahr\").value, $(\"ccAGMonat\").value);\r\n      toggle($(\"ccAGProbe\"), mo !== null && mo >= 0 && mo < CONFIG.PROBEZEIT_MONTHS);\r\n    }\r\n    $(\"ccAGMonat\").addEventListener(\"change\", updateAGNotes);\r\n    $(\"ccAGJahr\").addEventListener(\"change\", updateAGNotes);\r\n\r\n    \/\/ ---- v2.5.0: Hinweise je Anstellungsverh\u00e4ltnis ----\r\n    var SPECIAL_EMPLOY = [\"Tempor\u00e4r angestellt\", \"Selbst\u00e4ndig (Einzelfirma)\", \"Selbst\u00e4ndig (AG oder GmbH)\"];\r\n    function updateAnstNotes() {\r\n      var v = $(\"ccAnstVerh\").value;\r\n      toggle($(\"ccAnstTemp\"),   v === \"Tempor\u00e4r angestellt\");\r\n      toggle($(\"ccAnstEinzel\"), v === \"Selbst\u00e4ndig (Einzelfirma)\");\r\n      toggle($(\"ccAnstGmbh\"),   v === \"Selbst\u00e4ndig (AG oder GmbH)\");\r\n    }\r\n    $(\"ccAnstVerh\").addEventListener(\"change\", updateAnstNotes);\r\n\r\n    \/\/ ---- v2.5.0: Wohnsituation nur bei Ledig + Kind ----\r\n    \/\/ Liste bewusst als Konstante: soll die Frage sp\u00e4ter auch bei\r\n    \/\/ \"geschieden\" (4) oder \"verwitwet\" (5) erscheinen, hier erg\u00e4nzen.\r\n    var SINGLE_STATES = [\"1\"];\r\n    function updateWohnsit() {\r\n      var show = SINGLE_STATES.indexOf($(\"ccZivil\").value) > -1 && (parseInt($(\"ccKinder\").value, 10) || 0) > 0;\r\n      toggle($(\"ccWohnsitField\"), show);\r\n      if (!show) { $(\"ccWohnsituation\").value = \"\"; clearError($(\"ccWohnsitField\")); }\r\n    }\r\n    $(\"ccWohnsituation\").addEventListener(\"change\", function () { clearError($(\"ccWohnsitField\")); });\r\n\r\n    function updateMieteFromHypo() {\r\n      if ($(\"ccMietStatus\").value !== \"Eigentum\") return;\r\n      var h = parseInt(($(\"ccHypothek\").value || \"\").replace(\/\\D\/g, \"\"), 10) || 0;\r\n      $(\"ccMiete\").value = h ? String(Math.round(h * 0.03 \/ 12)) : \"\";\r\n    }\r\n    $(\"ccMietStatus\").addEventListener(\"change\", function () {\r\n      var eigentum = this.value === \"Eigentum\";\r\n      toggle($(\"ccMieteField\"), !eigentum);\r\n      toggle($(\"ccHypoBlock\"), eigentum);\r\n      if (eigentum) { updateMieteFromHypo(); } else { $(\"ccMiete\").value = \"\"; }\r\n    });\r\n    $(\"ccHypothek\").addEventListener(\"input\", updateMieteFromHypo);\r\n\r\n    \/\/ ---- v2.5.4: Gesamt Hypothek mit Tausendertrennzeichen ----\r\n    \/\/ L\u00e4uft NACH updateMieteFromHypo (dort werden Trennzeichen ohnehin entfernt).\r\n    \/\/ Die Cursorposition wird \u00fcber die Anzahl Ziffern links davon wiederhergestellt,\r\n    \/\/ damit auch Korrekturen in der Mitte der Zahl m\u00f6glich bleiben.\r\n    (function () {\r\n      var hy = $(\"ccHypothek\");\r\n      if (!hy) return;\r\n      hy.addEventListener(\"input\", function () {\r\n        var pos    = this.selectionStart;\r\n        var davor  = String(this.value).slice(0, pos).replace(\/\\D\/g, \"\").length;\r\n        var ziffern = String(this.value).replace(\/\\D\/g, \"\").slice(0, 9);\r\n        var out    = ziffern.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \"\u2019\");\r\n        if (out === this.value) return;\r\n        this.value = out;\r\n        var i = 0, gezaehlt = 0;\r\n        while (i < out.length && gezaehlt < davor) { if (out.charCodeAt(i) >= 48 && out.charCodeAt(i) <= 57) { gezaehlt++; } i++; }\r\n        try { this.setSelectionRange(i, i); } catch (e) {}\r\n      });\r\n    })();\r\n\r\n    \/\/ ---- Krankenkasse: Titel + Hinweis je nach Haushalt (v2.5.0) ----\r\n    function updateKKHint() {\r\n      var married = [\"2\", \"6\"].indexOf($(\"ccZivil\").value) > -1;\r\n      var kids = (parseInt($(\"ccKinder\").value, 10) || 0) > 0;\r\n      var total = married || kids;\r\n      toggle($(\"ccKKLbl1\"), !total);\r\n      toggle($(\"ccKKLbl2\"), total);\r\n      toggle($(\"ccKKHint\"), !total);\r\n      toggle($(\"ccKKTotalNote\"), total);\r\n    }\r\n\r\n    \/\/ ---- Partner-Logik inkl. Partner ohne Einkommen (v2.5.0) ----\r\n    function updatePartner() {\r\n      var married = [\"2\", \"6\"].indexOf($(\"ccZivil\").value) > -1;\r\n      toggle($(\"ccPartnerIncomeQ\"), married);\r\n      var hatEink = $(\"ccPartnerHatEink\").value === \"Ja\";\r\n      toggle($(\"ccPartnerBlock\"), married && hatEink);\r\n      var showSit = married && !hatEink;\r\n      toggle($(\"ccPartnerSitField\"), showSit);\r\n      var ausland = showSit && $(\"ccPartnerSituation\").value === \"Wohnhaft im Ausland\";\r\n      toggle($(\"ccPartnerAuslandField\"), ausland);\r\n      if (!showSit) { $(\"ccPartnerSituation\").value = \"\"; }\r\n      if (!ausland) { $(\"ccAlimenteInCHF\").value = \"\"; }\r\n    }\r\n    $(\"ccPartnerHatEink\").addEventListener(\"change\", updatePartner);\r\n    $(\"ccPartnerSituation\").addEventListener(\"change\", updatePartner);\r\n    $(\"ccZivil\").addEventListener(\"change\", function () {\r\n      var married = [\"2\", \"6\"].indexOf(this.value) > -1;\r\n      toggle($(\"ccAlimenteField\"), !married);\r\n      updatePartner(); updateKKHint(); updateWohnsit();\r\n    });\r\n    $(\"ccKinder\").addEventListener(\"change\", function () {\r\n      var n = parseInt(this.value, 10) || 0;\r\n      toggle($(\"ccKinderBlock\"), n > 0);\r\n      ROOT.querySelectorAll(\"#ccKinderBlock .cc-kind\").forEach(function (el, i) { toggle(el, i < n); });\r\n      updateKKHint(); updateWohnsit();\r\n    });\r\n    if ($(\"ccKredite\")) $(\"ccKredite\").addEventListener(\"change\", function () { toggle($(\"ccBankBlock\"), this.value === \"Ja\"); });\r\n    if ($(\"ccAddBank\")) $(\"ccAddBank\").addEventListener(\"click\", function () {\r\n      var next = ROOT.querySelector(\".cc-bankrow.cc-hidden\");\r\n      if (next) next.classList.remove(\"cc-hidden\");\r\n      if (!ROOT.querySelector(\".cc-bankrow.cc-hidden\")) this.classList.add(\"cc-hidden\");\r\n    });\r\n\r\n    \/\/ ---- Validierung ----\r\n    function setError(field, msg) { field.classList.add(\"cc-invalid\"); if (msg) { var m = field.querySelector(\".cc-err-msg\"); if (m) m.textContent = msg; } }\r\n    function clearError(field) { if (field) field.classList.remove(\"cc-invalid\"); }\r\n    function isEmail(v) { return \/^[^\\s@]+@[^\\s@]+\\.[^\\s@]{2,}$\/.test(v); }\r\n    function isSwissDate(v) {\r\n      var m = \/^(\\d{2})\\.(\\d{2})\\.(\\d{4})$\/.exec(v);\r\n      if (!m) return null;\r\n      var dd = +m[1], mm = +m[2], yy = +m[3];\r\n      var d = new Date(yy, mm - 1, dd);\r\n      if (d.getFullYear() !== yy || d.getMonth() !== mm - 1 || d.getDate() !== dd) return null;\r\n      return d;\r\n    }\r\n    \/\/ v2.5.0: liefert das Alter, damit Mindest- und H\u00f6chstalter getrennt\r\n    \/\/ gepr\u00fcft und getrennt gemeldet werden k\u00f6nnen.\r\n    function ageFrom(d) {\r\n      var t = new Date(), a = t.getFullYear() - d.getFullYear();\r\n      if (t.getMonth() < d.getMonth() || (t.getMonth() === d.getMonth() && t.getDate() < d.getDate())) a--;\r\n      return a;\r\n    }\r\n    function currentAge() { var d = isSwissDate(geb.value); return d ? ageFrom(d) : null; }\r\n    function reqField(id, ok) {\r\n      var el = $(id), field = el.closest(\".cc-field\");\r\n      if (!el.value.trim()) { setError(field); return false; }\r\n      return ok;\r\n    }\r\n\r\n    \/\/ ==========================================================\r\n    \/\/  INTERNE HINWEISE (v2.5.1)\r\n    \/\/  Nicht sichtbar f\u00fcr den Antragsteller. Der Text geht ausschliesslich\r\n    \/\/  im versteckten Feld cc_hinweise an die Kreditberatung; deshalb fix\r\n    \/\/  Deutsch, unabh\u00e4ngig von der Sprache der Oberfl\u00e4che.\r\n    \/\/  Der Mailer ab v2.4.0 berechnet dieselben Regeln zus\u00e4tzlich\r\n    \/\/  serverseitig \u2013 dieses Feld ist dort nur noch die Reserve.\r\n    \/\/ ==========================================================\r\n    var CC_WARN_TXT = {\r\n      alter_laufzeit:  \"Achtung Alter: Die Laufzeit reicht ueber Alter 65 hinaus - Rueckzahlung sollte bis 65 abgeschlossen sein.\",\r\n      einkommen_tief:  \"Einkommen tief (unter CHF 4'000) - Optimierung wichtig.\",\r\n      ag_kurz:         \"Weniger als 1 Jahr beim gleichen Arbeitgeber - kann das Scoring beeinflussen.\",\r\n      adresse_kurz:    \"Weniger als 1 Jahr an der gleichen Adresse - kann das Scoring beeinflussen.\",\r\n      anstellung:      \"Achtung: Anstellungsverhaeltnis pruefen (temporaer \/ selbstaendig).\",\r\n      ch_kurz:         \"Aufenthalt Schweiz weniger als 2 Jahre - Fall telefonisch im Detail analysieren.\",\r\n      partner_ausland: \"Partner\/in wohnhaft im Ausland - monatliche Unterstuetzungszahlung beruecksichtigen.\",\r\n      wohn_allein:     \"Wohnsituation: alleinerziehend mit Kind(ern).\",\r\n      wohn_partner:    \"Wohnsituation: mit Partner\/in im gleichen Haushalt lebend, mit Kind(ern).\"\r\n    };\r\n\r\n    function ccBuildSummary() {\r\n      var flags = {};\r\n\r\n      \/\/ Laufzeit \u00fcber Alter 65\r\n      var age = currentAge();\r\n      var n = parseInt($(\"ccLaufzeitHidden\").value, 10) || 0;\r\n      if (age !== null && n > 0 && (age + n \/ 12) > CONFIG.MAX_AGE_END) flags.alter_laufzeit = true;\r\n\r\n      \/\/ Einkommen tief\r\n      var ek = ccInt($(\"ccEinkommen\").value);\r\n      if (ek > 0 && ek < CONFIG.MIN_INCOME_HINT) flags.einkommen_tief = true;\r\n\r\n      \/\/ Arbeitgeber \/ Adresse\r\n      var mAG = ccMonthsSince($(\"ccAGJahr\").value, $(\"ccAGMonat\").value);\r\n      if (mAG !== null && mAG >= 0 && mAG < CONFIG.SCORING_MONTHS) flags.ag_kurz = true;\r\n      var mAd = ccMonthsSince($(\"ccAdrJahr\").value, $(\"ccAdrMonat\").value);\r\n      if (mAd !== null && mAd >= 0 && mAd < CONFIG.SCORING_MONTHS) flags.adresse_kurz = true;\r\n\r\n      \/\/ Anstellungsverh\u00e4ltnis\r\n      if (SPECIAL_EMPLOY.indexOf($(\"ccAnstVerh\").value) > -1) flags.anstellung = true;\r\n\r\n      \/\/ Aufenthalt Schweiz\r\n      var mCH = ccChMonths();\r\n      if (mCH !== null && mCH >= 0 && mCH < CONFIG.CH_HINT_MONTHS) flags.ch_kurz = true;\r\n\r\n      \/\/ Partner im Ausland\r\n      if (!isHidden($(\"ccPartnerSitField\")) && $(\"ccPartnerSituation\").value === \"Wohnhaft im Ausland\") flags.partner_ausland = true;\r\n\r\n      \/\/ Wohnsituation (Ledig + Kind)\r\n      if (!isHidden($(\"ccWohnsitField\"))) {\r\n        var w = $(\"ccWohnsituation\").value;\r\n        if (w === \"Alleinerziehend\") flags.wohn_allein = true;\r\n        else if (w) flags.wohn_partner = true;\r\n      }\r\n\r\n      \/\/ v2.5.1: keine Anzeige mehr \u2013 der Text wird nur noch f\u00fcr die\r\n      \/\/ \u00dcbermittlung zusammengesetzt (Reihenfolge = Reihenfolge in CC_WARN_TXT).\r\n      var txt = [];\r\n      for (var k in CC_WARN_TXT) {\r\n        if (Object.prototype.hasOwnProperty.call(CC_WARN_TXT, k) && flags[k]) { txt.push(CC_WARN_TXT[k]); }\r\n      }\r\n      if ($(\"ccHinweise\")) $(\"ccHinweise\").value = txt.join(\"\\n\");\r\n      return txt;\r\n    }\r\n\r\n    \/\/ Validierung je Schritt (Index 0\u20135)\r\n    function validateStep(i) {\r\n      var ok = true;\r\n      var stepEl = STEPS[i];\r\n      stepEl.querySelectorAll(\".cc-invalid\").forEach(function (f) { clearError(f); });\r\n\r\n      if (i === 0) { \/\/ Kreditwunsch\r\n        if (!$(\"ccZweck\").value) { setError($(\"ccZweck\").closest(\".cc-field\")); ok = false; }\r\n      }\r\n      else if (i === 1) { \/\/ Pers\u00f6nliche Angaben\r\n        if (!$(\"ccAnrede\").value.trim()) { setError($(\"ccAnrede\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccVorname\").value.trim()) { setError($(\"ccVorname\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccNachname\").value.trim()) { setError($(\"ccNachname\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccStrasse\").value.trim()) { setError($(\"ccStrasse\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccStrasseNr\").value.trim()) { setError($(\"ccStrasseNr\").closest(\".cc-field\")); ok = false; }\r\n        if (!\/^\\d{4,5}$\/.test($(\"ccPLZ\").value)) { setError($(\"ccPLZ\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccOrt\").value.trim()) { setError($(\"ccOrt\").closest(\".cc-field\")); ok = false; }\r\n        \/\/ v2.5.3: Alter 18\u201368, gleiche Funktion wie die Sofortpr\u00fcfung\r\n        if ( !ccCheckGeb( true ) ) { ok = false; }\r\n        if (!$(\"ccAdrMonat\").value || !$(\"ccAdrJahr\").value) { setError($(\"ccAdrMonat\").closest(\".cc-field\")); ok = false; }\r\n        if (!natSel.value) { setError(natSel.closest(\".cc-field\")); ok = false; }\r\n        var auslShown = !$(\"ccAuslBlock\").classList.contains(\"cc-hidden\");\r\n        var inCHShown = auslShown && !$(\"ccInCHBlock\").classList.contains(\"cc-hidden\");\r\n        if (inCHShown) {\r\n          if (!$(\"ccInCHTag\").value || !$(\"ccInCHMonat\").value || !$(\"ccInCHJahr\").value) { setError($(\"ccInCHBlock\")); ok = false; }\r\n          else {\r\n            \/\/ v2.5.0: weniger als 1 Jahr in der Schweiz -> kein Kredit m\u00f6glich\r\n            updateChNotes();\r\n            var mo = ccChMonths();\r\n            if (mo !== null && mo >= 0 && mo < CONFIG.CH_STOP_MONTHS) {\r\n              ok = false;\r\n              $(\"ccChStop\").scrollIntoView({ behavior: \"smooth\", block: \"center\" });\r\n            }\r\n          }\r\n        }\r\n      }\r\n      else if (i === 2) { \/\/ Kontakt + Zustimmung\r\n        if (!phoneValid()) { setError(telNum.closest(\".cc-field\")); ok = false; }\r\n        if (!isEmail($(\"ccEmail\").value.trim())) { setError($(\"ccEmail\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccRecht\").checked) { setError($(\"ccConsentField\")); ok = false; }\r\n      }\r\n      else if (i === 3) { \/\/ Wohnen & Familie\r\n        if (!$(\"ccMietStatus\").value) { setError($(\"ccMietStatus\").closest(\".cc-field\")); ok = false; }\r\n        if ($(\"ccMietStatus\").value !== \"Eigentum\" && !$(\"ccMiete\").value.trim()) { setError($(\"ccMiete\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccKK\").value.trim()) { setError($(\"ccKK\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccZivil\").value) { setError($(\"ccZivil\").closest(\".cc-field\")); ok = false; }\r\n        \/\/ v2.5.0: Wohnsituation bei Ledig + Kind\r\n        if (!isHidden($(\"ccWohnsitField\")) && !$(\"ccWohnsituation\").value) { setError($(\"ccWohnsitField\")); ok = false; }\r\n      }\r\n      else if (i === 4) { \/\/ Einkommen\r\n        if (!$(\"ccAnstVerh\").value) { setError($(\"ccAnstVerh\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccAGMonat\").value || !$(\"ccAGJahr\").value) { setError($(\"ccAGMonat\").closest(\".cc-field\")); ok = false; }\r\n        if (!$(\"ccTransport\").value) { setError($(\"ccTransport\").closest(\".cc-field\")); ok = false; }\r\n        var _ek = parseInt(($(\"ccEinkommen\").value || \"\").replace(\/\\D\/g, \"\"), 10) || 0;\r\n        if (_ek < CONFIG.MIN_INCOME) { setError($(\"ccEinkommen\").closest(\".cc-field\")); ok = false; }\r\n        \/\/ v2.5.0: Partner ohne Einkommen -> Situation (und ggf. Unterst\u00fctzung)\r\n        if (!isHidden($(\"ccPartnerSitField\"))) {\r\n          if (!$(\"ccPartnerSituation\").value) { setError($(\"ccPartnerSitField\")); ok = false; }\r\n          if (!isHidden($(\"ccPartnerAuslandField\")) && $(\"ccAlimenteInCHF\").value.trim() === \"\") {\r\n            setError($(\"ccPartnerAuslandField\")); ok = false;\r\n          }\r\n        }\r\n        if (!$(\"ccPartnerBlock\").classList.contains(\"cc-hidden\")) {\r\n          if (!$(\"ccPartnerVerh\").value) { setError($(\"ccPartnerVerh\").closest(\".cc-field\")); ok = false; }\r\n          if (!$(\"ccPartnerMonat\").value || !$(\"ccPartnerJahr\").value) { setError($(\"ccPartnerMonat\").closest(\".cc-field\")); ok = false; }\r\n          if ((parseInt(($(\"ccPartnerEinkommen\").value || \"\").replace(\/\\D\/g, \"\"), 10) || 0) <= 0) { setError($(\"ccPartnerEinkommen\").closest(\".cc-field\")); ok = false; }\r\n        }\r\n        if ($(\"ccKredite\") && $(\"ccKredite\").value === \"Ja\") {\r\n          if (!$(\"ccBank1\").value.trim())  { setError($(\"ccBank1\").closest(\".cc-field\"));  ok = false; }\r\n          if (!$(\"ccSaldo1\").value.trim()) { setError($(\"ccSaldo1\").closest(\".cc-field\")); ok = false; }\r\n        }\r\n      }\r\n      else if (i === 5) { \/\/ Versicherung & Mitteilung: bei \"Ja\" muss ein Produkt gew\u00e4hlt sein\r\n        if ($(\"ccVers\") && $(\"ccVers\").value === \"1\" && !$(\"ccVersProd\").value) { $(\"ccVersOptions\").classList.add(\"cc-invalid\"); ok = false; }\r\n      }\r\n      if (!ok) { var first = stepEl.querySelector(\".cc-invalid\"); if (first) first.scrollIntoView({ behavior: \"smooth\", block: \"center\" }); }\r\n      return ok;\r\n    }\r\n\r\n    form.addEventListener(\"input\", function (e) { var f = e.target.closest(\".cc-field, .cc-consent\"); if (f) clearError(f); });\r\n    $(\"ccRecht\").addEventListener(\"change\", function () { if (this.checked) clearError($(\"ccConsentField\")); schedulePartial(); });\r\n\r\n    \/\/ ---- v2.5.3: Geburtsdatum sofort pr\u00fcfen (Alter 18\u201368) ----\r\n    \/\/ strict = true  -> beim Klick auf \"Weiter\": unvollst\u00e4ndige Eingabe ist ein Fehler\r\n    \/\/ strict = false -> w\u00e4hrend der Eingabe: erst ab 10 Zeichen (TT.MM.JJJJ) pr\u00fcfen\r\n    function ccCheckGeb( strict ) {\r\n      var field = geb.closest(\".cc-field\");\r\n      \/\/ v3.10.0: beim strengen Pruefen (Weiter\/Absenden) auf TT.MM.JJJJ auffuellen,\r\n      \/\/ damit z. B. 1.5.1967 als 01.05.1967 akzeptiert wird.\r\n      if ( strict ) { geb.value = padDate( geb.value ); }\r\n      var raw   = geb.value.trim();\r\n      if ( raw.length < 10 ) {\r\n        if ( strict ) { setErrorVariant( field, \"format\" ); return false; }\r\n        clearError( field ); return true;\r\n      }\r\n      var d = isSwissDate( raw );\r\n      if ( !d ) { setErrorVariant( field, \"format\" ); return false; }\r\n      var a = ageFrom( d );\r\n      if ( a < CONFIG.MIN_AGE ) { setErrorVariant( field, \"min\" ); return false; }\r\n      if ( a > CONFIG.MAX_AGE ) { setErrorVariant( field, \"max\" ); return false; }\r\n      clearError( field );\r\n      return true;\r\n    }\r\n    \/\/ WICHTIG: erst hier registriert, damit die Meldung nicht vom\r\n    \/\/ clearError-Listener oberhalb wieder entfernt wird (Formular-Listener\r\n    \/\/ laufen nach den Listenern am Feld selbst).\r\n    form.addEventListener(\"input\", function (e) { if (e.target === geb) { ccCheckGeb(false); } });\r\n    geb.addEventListener(\"blur\", function () { geb.value = padDate(geb.value); ccCheckGeb(false); });\r\n\r\n    \/\/ ---- Payload ----\r\n    function buildPayload(stage) {\r\n      ccBuildSummary(); \/\/ v2.5.0: cc_hinweise immer aktuell halten\r\n      var fd = new FormData(form), payload = {};\r\n      fd.forEach(function (v, k) { payload[k] = v; });\r\n      if ( payload.Geburtsdatum ) { payload.Geburtsdatum = padDate( payload.Geburtsdatum ); }\r\n      payload.rechtliche_hinweise = $(\"ccRecht\").checked ? \"ja\" : \"nein\";\r\n      payload.Werbung = $(\"ccWerbung\").checked ? \"ja\" : \"nein\";\r\n      payload.Monatslohn13 = $(\"ccM13\").checked ? \"ja\" : \"nein\";\r\n      payload.PartnerMonatslohn13 = $(\"ccPM13\").checked ? \"ja\" : \"nein\";\r\n      payload.Betreibungen = ($(\"ccBetr\") && $(\"ccBetr\").checked) ? \"ja\" : \"nein\";\r\n      payload.kontakt_email = $(\"ccKontaktEmail\").checked ? \"ja\" : \"nein\";\r\n      payload.kontakt_whatsapp = $(\"ccKontaktWhatsapp\").checked ? \"ja\" : \"nein\";\r\n      payload.kontakt_sms = $(\"ccKontaktSms\").checked ? \"ja\" : \"nein\";\r\n      payload.kontakt_telefon = $(\"ccKontaktTelefon\").checked ? \"ja\" : \"nein\";\r\n      payload.phonenumber = composePhone();\r\n      payload.lead_uid = LEAD_UID;\r\n      payload.cc_stage = stage;\r\n      \/\/ v2.6.0: l\u00f6st im Mailer die Info-Mail zum Teil-Save aus. Mehrfachversand\r\n      \/\/ verhindert der Mailer serverseitig per Transient (1 Std. pro lead_uid).\r\n      if (stage === \"partial\") { payload.cc_notify = \"1\"; }\r\n      \/\/ v2.5.0: nicht sichtbare Zusatzfelder nicht mitsenden\r\n      if (isHidden($(\"ccWohnsitField\"))) delete payload.Wohnsituation;\r\n      if (isHidden($(\"ccPartnerSitField\"))) { delete payload.PartnerSituation; delete payload.AlimenteInCHF; }\r\n      else if (isHidden($(\"ccPartnerAuslandField\"))) { delete payload.AlimenteInCHF; }\r\n      return payload;\r\n    }\r\n\r\n    \/\/ ---- Teil-Save (partial) ----\r\n    \/\/ Ausl\u00f6ser: rechtliche Hinweise akzeptiert UND alle Pflichtdaten g\u00fcltig.\r\n    function partialReady() {\r\n      if (!$(\"ccRecht\").checked) return false;\r\n      var must = [\"ccAnrede\", \"ccVorname\", \"ccNachname\", \"ccStrasse\", \"ccStrasseNr\", \"ccOrt\"];\r\n      for (var i = 0; i < must.length; i++) { if (!$(must[i]).value.trim()) return false; }\r\n      if (!\/^\\d{4,5}$\/.test($(\"ccPLZ\").value)) return false;\r\n      if (!phoneValid()) return false;\r\n      if (!isEmail($(\"ccEmail\").value.trim())) return false;\r\n      return true;\r\n    }\r\n    var lastPartialHash = \"\", partialTimer = null, finalizing = false;\r\n    function sendPartial() {\r\n      if (finalizing || !partialReady()) return;\r\n      var payload = buildPayload(\"partial\");\r\n      var hash = JSON.stringify(payload);\r\n      if (hash === lastPartialHash) return;\r\n      lastPartialHash = hash;\r\n      try {\r\n        fetch(CONFIG.ENDPOINT, {\r\n          method: \"POST\",\r\n          headers: { \"Content-Type\": \"application\/json\", \"Accept\": \"application\/json\" },\r\n          body: JSON.stringify(payload), keepalive: true\r\n        }).catch(function () {});\r\n      } catch (e) {}\r\n    }\r\n    function schedulePartial() {\r\n      if (finalizing || !partialReady()) return;\r\n      clearTimeout(partialTimer); partialTimer = setTimeout(sendPartial, 800);\r\n    }\r\n    form.addEventListener(\"input\", schedulePartial);\r\n    form.addEventListener(\"change\", schedulePartial);\r\n    window.addEventListener(\"pagehide\", function () { if (!finalizing && partialReady()) sendPartial(); });\r\n\r\n    \/\/ ==========================================================\r\n    \/\/  WIZARD-STEUERUNG\r\n    \/\/ ==========================================================\r\n    var STEPS = Array.prototype.slice.call(form.querySelectorAll(\".cc-step\"));\r\n    \/\/ v3.2.0: Titel & Schrittw\u00f6rter aus dem (von TranslatePress \u00fcbersetzten) HTML lesen,\r\n    \/\/ statt aus fest verdrahteten JS-Strings. So sind sie ab dem ersten Rendern \u00fcbersetzt.\r\n    var TITLE_FALLBACK = [\"Kreditwunsch\",\"Pers\u00f6nliche Angaben\",\"Kontakt & Zustimmung\",\"Wohnen & Familie\",\"Einkommen & Besch\u00e4ftigung\",\"\u00dcbersicht & Absenden\"];\r\n    var TITLES = Array.prototype.map.call(\r\n      document.querySelectorAll(\"#ccStepTitleSrc > div\"),\r\n      function (el) { return (el.textContent || \"\").trim(); }\r\n    ).filter(function (t) { return t !== \"\"; });\r\n    if (TITLES.length < STEPS.length) { TITLES = TITLE_FALLBACK; }\r\n    var STEP_WORDS = Array.prototype.map.call(\r\n      document.querySelectorAll(\"#ccStepWordSrc > div\"),\r\n      function (el) { return (el.textContent || \"\").trim(); }\r\n    );\r\n    var WORD_STEP = (STEP_WORDS[0] && STEP_WORDS[0] !== \"\") ? STEP_WORDS[0] : \"Schritt\";\r\n    var WORD_VON  = (STEP_WORDS[1] && STEP_WORDS[1] !== \"\") ? STEP_WORDS[1] : \"von\";\r\n    var cur = 0;\r\n    var back = $(\"ccBack\"), next = $(\"ccNext\"), submit = $(\"ccSubmit\"), progressFill = $(\"ccProgressFill\");\r\n\r\n    function renderStep() {\r\n      STEPS.forEach(function (s, idx) { s.classList.toggle(\"cc-active\", idx === cur); });\r\n      $(\"ccStepLabel\").textContent = WORD_STEP + \" \" + (cur + 1) + \" \" + WORD_VON + \" \" + STEPS.length;\r\n      $(\"ccStepTitle\").textContent = TITLES[cur] || \"\";\r\n      progressFill.style.width = Math.round(((cur + 1) \/ STEPS.length) * 100) + \"%\";\r\n      back.style.visibility = cur === 0 ? \"hidden\" : \"visible\";\r\n      var last = cur === STEPS.length - 1;\r\n      toggle(next, !last);\r\n      toggle(submit, last);\r\n      $(\"ccFormMsg\").classList.remove(\"show\");\r\n    }\r\n    function goTo(i) { cur = Math.max(0, Math.min(i, STEPS.length - 1)); renderStep(); form.scrollIntoView({ behavior: \"smooth\", block: \"start\" }); }\r\n\r\n    next.addEventListener(\"click\", function () {\r\n      if (!validateStep(cur)) return;\r\n      sendPartial();           \/\/ Upsert nach jedem Schritt (sofern bereit)\r\n      goTo(cur + 1);\r\n    });\r\n    back.addEventListener(\"click\", function () { goTo(cur - 1); });\r\n\r\n    \/\/ ---- Finaler Submit ----\r\n    var submitting = false;\r\n    form.addEventListener(\"submit\", function (e) {\r\n      e.preventDefault();\r\n      if (submitting) return;\r\n      \/\/ Alle Schritte pr\u00fcfen; beim ersten Fehler dorthin springen.\r\n      for (var i = 0; i < STEPS.length; i++) {\r\n        if (!validateStep(i)) { goTo(i); return; }\r\n      }\r\n      finalizing = true;\r\n      submitting = true; submit.disabled = true; submit.classList.add(\"is-loading\");\r\n      ccSendingLabel(submit.querySelector(\".cc-submit-label\"));\r\n      var payload = buildPayload(\"final\");\r\n      fetch(CONFIG.ENDPOINT, {\r\n        method: \"POST\",\r\n        headers: { \"Content-Type\": \"application\/json\", \"Accept\": \"application\/json\" },\r\n        body: JSON.stringify(payload)\r\n      })\r\n      .then(function (r) { return r.json().catch(function () { return { success: r.ok }; }); })\r\n      .then(function (data) {\r\n        if (data && data.success) { window.location.href = (CONFIG.THANKYOU_URLS && CONFIG.THANKYOU_URLS[CC_LANG]) || CONFIG.THANKYOU_URL; }\r\n        else { throw new Error((data && data.message) || ccT(\"submitFailed\")); }\r\n      })\r\n      .catch(function (err) {\r\n        finalizing = false; submitting = false; submit.disabled = false; submit.classList.remove(\"is-loading\");\r\n        ccResetLabel(submit.querySelector(\".cc-submit-label\"));\r\n        var msgBox = $(\"ccFormMsg\");\r\n        msgBox.textContent = ccT(\"error\") + \" (\" + err.message + \")\";\r\n        msgBox.classList.add(\"show\");\r\n        msgBox.scrollIntoView({ behavior: \"smooth\", block: \"center\" });\r\n      });\r\n    });\r\n\r\n    \/\/ ---- Prefill aus URL (u. a. \u00dcbergabe vom Budget-Rechner) ----\r\n    (function () {\r\n      var p = new URLSearchParams(window.location.search);\r\n      function has(n){ var v=p.get(n); return v!==null && v.trim()!==\"\"; }\r\n      function val(n){ var v=p.get(n); return v===null?\"\":v.trim(); }\r\n      function fire(el,ev){ el.dispatchEvent(new Event(ev,{bubbles:true})); }\r\n      function setField(name){ if(!has(name))return; var el=form.querySelector('[name=\"'+name+'\"]'); if(!el)return; el.value=val(name); fire(el,\"input\"); fire(el,\"change\"); }\r\n\r\n      [\"Verwendungszweck\",\"vorname\",\"nachname\",\"Geburtsdatum\",\"Strasse\",\"Strassennr\",\r\n       \"email\",\"Krankenkasse\",\"Einkommen\",\r\n       \/\/ v3.3.1: MM\/JJJJ-Dropdowns (Werte sind einfache Zahlen -> setField gen\u00fcgt)\r\n       \"SeitwannadresseMonat\",\"SeitwannadresseJahr\",\r\n       \"SeitWannInCHTag\",\"SeitWannInCHMonat\",\"SeitWannInCH\",\r\n       \"SeitwannAGMonat\",\"SeitwannAGJahr\",\r\n       \"PartnerSeitwannAngestelltMonat\",\"PartnerSeitwannAngestelltCHJahr\"].forEach(setField);\r\n\r\n      if(has(\"PLZ\")){ $(\"ccPLZ\").value=val(\"PLZ\").replace(\/\\D\/g,\"\"); fire($(\"ccPLZ\"),\"input\"); }\r\n      if(has(\"Ort\")){ $(\"ccOrt\").value=val(\"Ort\"); }\r\n      if(has(\"Kanton\")){ $(\"ccKanton\").value=val(\"Kanton\").toUpperCase().replace(\/[^A-Z]\/g,\"\"); }\r\n\r\n      if(has(\"Nation\")){ natSel.value=val(\"Nation\"); fire(natSel,\"change\"); }\r\n      if(has(\"AuslaenderAusweis\")){ var aw=$(\"ccAusweis\"); if(aw){ aw.value=val(\"AuslaenderAusweis\"); fire(aw,\"change\"); } }\r\n\r\n      if(has(\"Zivilstand\")){ $(\"ccZivil\").value=val(\"Zivilstand\"); fire($(\"ccZivil\"),\"change\"); }\r\n      if(has(\"MietStatus\")){ $(\"ccMietStatus\").value=val(\"MietStatus\"); fire($(\"ccMietStatus\"),\"change\"); }\r\n      if(has(\"Miete\")){ $(\"ccMiete\").value=val(\"Miete\").replace(\/\\D\/g,\"\"); }\r\n      if(has(\"Alimente\")){ $(\"ccAlimente\").value=val(\"Alimente\").replace(\/\\D\/g,\"\"); }\r\n\r\n      if(has(\"Kinder\")){ $(\"ccKinder\").value=String(parseInt(val(\"Kinder\"),10)||0); fire($(\"ccKinder\"),\"change\");\r\n        [1,2,3,4].forEach(function(i){ if(has(\"kind_\"+i)){ var k=form.querySelector('[name=\"kind_'+i+'\"]'); if(k) k.value=val(\"kind_\"+i); } });\r\n      }\r\n\r\n      if(val(\"Monatslohn13\")===\"ja\"){ $(\"ccM13\").checked=true; }\r\n      if(has(\"PartnerEinkommen\")){ $(\"ccPartnerHatEink\").value=\"Ja\"; fire($(\"ccPartnerHatEink\"),\"change\"); $(\"ccPartnerEinkommen\").value=val(\"PartnerEinkommen\").replace(\/\\D\/g,\"\"); }\r\n      if(val(\"PartnerMonatslohn13\")===\"ja\"){ $(\"ccPM13\").checked=true; }\r\n      if(has(\"Transport\")){ $(\"ccTransport\").value=val(\"Transport\"); }\r\n\r\n      if(has(\"Anrede\")){ var wanted=\/^f\/i.test(val(\"Anrede\"))?\"Frau\":\"Herr\"; var b=seg.querySelector('button[data-val=\"'+wanted+'\"]'); if(b) b.click(); }\r\n\r\n      if(has(\"phonenumber\")||has(\"mob\")){\r\n        var tel=(val(\"phonenumber\")||val(\"mob\")).replace(\/\\s+\/g,\"\"); var dial=\"41\";\r\n        if(tel.charAt(0)===\"+\"){ [\"41\",\"423\",\"49\",\"33\",\"39\"].some(function(cc){ if(tel.indexOf(\"+\"+cc)===0){dial=cc;tel=tel.slice(1+cc.length);return true;} return false; }); }\r\n        else { tel=tel.replace(\/^00\/,\"\"); }\r\n        var natn=tel.replace(\/\\D\/g,\"\").replace(\/^0+\/,\"\");\r\n        telCountry.value=dial; fire(telCountry,\"change\");\r\n        if(natn){ telNum.value=natn; fire(telNum,\"input\"); }\r\n      }\r\n    })();\r\n\r\n    \/\/ ---- v3.0.0: Rechtliche Links aus der PHP-Konfiguration setzen ----\r\n    (function () {\r\n      var a1 = form.querySelector('.cc-legal-link[data-l=\"legal\"]');\r\n      var a2 = form.querySelector('.cc-legal-link[data-l=\"privacy\"]');\r\n      var _legal   = (CONFIG.LEGAL_URLS   && CONFIG.LEGAL_URLS[CC_LANG])   || CONFIG.LEGAL_URL;\r\n      var _privacy = (CONFIG.PRIVACY_URLS && CONFIG.PRIVACY_URLS[CC_LANG]) || CONFIG.PRIVACY_URL;\r\n      if (a1 && _legal)   { a1.setAttribute(\"href\", _legal); }\r\n      if (a2 && _privacy) { a2.setAttribute(\"href\", _privacy); }\r\n    })();\r\n\r\n    \/\/ ---- Rechtliche Links als Popup (iframe-Modal) ----\r\n    (function () {\r\n      var modal = $(\"ccModal\"), frame = $(\"ccModalFrame\"), cbtn = $(\"ccModalClose\");\r\n      if (!modal || !frame) return;\r\n      function openM(url) { frame.src = url; modal.classList.add(\"open\"); modal.setAttribute(\"aria-hidden\", \"false\"); document.body.style.overflow = \"hidden\"; }\r\n      function closeM() { modal.classList.remove(\"open\"); modal.setAttribute(\"aria-hidden\", \"true\"); frame.src = \"about:blank\"; document.body.style.overflow = \"\"; }\r\n      function legalUrl(url) { if (CC_LANG !== \"fr\" && CC_LANG !== \"it\") return url; return url.replace(\/^(https?:\\\/\\\/[^\\\/]+)\\\/\/, \"$1\/\" + CC_LANG + \"\/\"); }\r\n      ROOT.querySelectorAll(\".cc-legal-link\").forEach(function (a) {\r\n        a.addEventListener(\"click\", function (e) { e.preventDefault(); openM(legalUrl(a.getAttribute(\"href\"))); });\r\n      });\r\n      if (cbtn) cbtn.addEventListener(\"click\", closeM);\r\n      modal.addEventListener(\"click\", function (e) { if (e.target === modal) closeM(); });\r\n      document.addEventListener(\"keydown\", function (e) { if (e.key === \"Escape\") closeM(); });\r\n    })();\r\n\r\n    \/\/ ---- Start: abh\u00e4ngige Anzeigen einmalig setzen (v2.5.0) ----\r\n    updateKKHint();\r\n    updateWohnsit();\r\n    updatePartner();\r\n    updateAnstNotes();\r\n    updateAGNotes();\r\n    updateChNotes();\r\n    ccBuildSummary();\r\n\r\n    renderStep();\r\n  })();\r\n  <\/script>\r\n<\/div>\r\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df83d2a e-flex e-con-boxed e-con e-parent\" data-id=\"df83d2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5afc01a elementor-widget elementor-widget-spacer\" data-id=\"5afc01a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a0def7 elementor-widget elementor-widget-html\" data-id=\"3a0def7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--\r\n  ===================================================================\r\n  Best Finance \u2013 Hilfe-Block \"Sie kommen nicht weiter?\"\r\n  Version 1.3.0\r\n  Stand   2026-07-27\r\n  ===================================================================\r\n  ZWECK\r\n    Blockt unter der Kreditanfrage: Kunde kann anrufen oder per\r\n    WhatsApp schreiben. Die zustaendige Filiale richtet sich nach\r\n    der Sprache bzw. dem Kampagnenparameter fo.\r\n\r\n  EINBAU\r\n    Elementor -> Widget \"HTML\" (Custom HTML), unterhalb des\r\n    Kreditanfrage-Formulars. Alles (CSS\/HTML\/JS) in einem Block.\r\n\r\n  DATENQUELLE\r\n    Alle Stammdaten kommen aus window.CC_CALC\r\n    (cc-calc-werte.php ab 2.1.0, wp_head Prioritaet 1).\r\n    Es wird NICHTS hart eingetragen; die Werte in BFH_FALLBACK\r\n    greifen nur, falls CC_CALC fehlt oder ein Feld leer ist.\r\n\r\n      Aarau (AA)              Lausanne (LS)\r\n      ----------------------  ----------------------\r\n      firma_name              fil_firmenname\r\n      firma_plzort            fil_plzort\r\n      firma_telefon           fil_festnetz\r\n      firma_telefon_link      fil_festnetz_link\r\n      firma_whatsapp          fil_whatsapp\r\n      firma_whatsapp_link     fil_whatsapplink\r\n\r\n    Optional, sobald in cc-calc-werte.php vorhanden \u2013 sonst greifen\r\n    die Standardzeiten weiter unten:\r\n      firma_zeit_von \/ firma_zeit_bis\r\n      fil_zeit_von   \/ fil_zeit_bis\r\n\r\n  ZUORDNUNG\r\n    Filiale:  ?fo=AA|LS  ->  sessionStorage 'bf_fo'  ->  aus Sprache\r\n    Sprache:  ?sp=D|F|I|P|E|U  ->  sessionStorage 'bf_sp'\r\n              ->  URL-Pfad \/fr\/ \/pt\/ ...  ->  <html lang>\r\n    Sprache F oder P  =>  Lausanne, sonst Aarau.\r\n\r\n  TRANSLATEPRESS\r\n    notranslate + data-no-translation + translate=\"no\" am Container.\r\n\r\n  GTM\r\n    event:'bf_kontakt_klick', kanal, filiale, sprache, quelle\r\n\r\n  PRUEFEN\r\n    Konsole:  window.CC_CALC.firma_telefon\r\n              window.BFHilfe        -> Filiale, Sprache, Quelle\r\n  ===================================================================\r\n-->\r\n\r\n<div id=\"bfh-root\" class=\"bfh notranslate\" data-no-translation translate=\"no\">\r\n  <div class=\"bfh-card\">\r\n\r\n    <div class=\"bfh-glow\" aria-hidden=\"true\"><\/div>\r\n\r\n    <div class=\"bfh-head\">\r\n      <span class=\"bfh-eyebrow\" data-bfh=\"eyebrow\"><\/span>\r\n      <h3 class=\"bfh-title\" data-bfh=\"title\"><\/h3>\r\n      <p class=\"bfh-lead\" data-bfh=\"lead\"><\/p>\r\n    <\/div>\r\n\r\n    <div class=\"bfh-actions\">\r\n      <a class=\"bfh-btn bfh-btn--call\" id=\"bfh-call\" href=\"#\">\r\n        <span class=\"bfh-ico\" aria-hidden=\"true\">\r\n          <svg viewBox=\"0 0 24 24\" width=\"22\" height=\"22\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"1.9\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n            <path d=\"M22 16.9v3a2 2 0 0 1-2.2 2 19.8 19.8 0 0 1-8.6-3.1 19.5 19.5 0 0 1-6-6A19.8 19.8 0 0 1 2.1 4.2 2 2 0 0 1 4.1 2h3a2 2 0 0 1 2 1.7c.1 1 .4 1.9.7 2.8a2 2 0 0 1-.5 2.1L8.1 9.9a16 16 0 0 0 6 6l1.3-1.3a2 2 0 0 1 2.1-.4c.9.3 1.8.6 2.8.7a2 2 0 0 1 1.7 2z\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n        <span class=\"bfh-btn-txt\">\r\n          <span class=\"bfh-btn-label\" data-bfh=\"callLabel\"><\/span>\r\n          <span class=\"bfh-btn-sub\" id=\"bfh-tel-display\"><\/span>\r\n        <\/span>\r\n        <span class=\"bfh-arrow\" aria-hidden=\"true\">\r\n          <svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"2.2\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n            <path d=\"M5 12h14M13 6l6 6-6 6\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n      <a class=\"bfh-btn bfh-btn--wa\" id=\"bfh-wa\" href=\"#\" target=\"_blank\" rel=\"noopener nofollow\">\r\n        <span class=\"bfh-ico\" aria-hidden=\"true\">\r\n          <svg viewBox=\"0 0 24 24\" width=\"22\" height=\"22\" fill=\"currentColor\">\r\n            <path d=\"M12.04 2C6.58 2 2.13 6.45 2.13 11.91c0 1.75.46 3.46 1.32 4.96L2 22l5.25-1.38a9.9 9.9 0 0 0 4.79 1.22h.01c5.46 0 9.91-4.45 9.91-9.91 0-2.65-1.03-5.14-2.9-7.01A9.82 9.82 0 0 0 12.04 2zm0 18.15h-.01a8.2 8.2 0 0 1-4.19-1.15l-.3-.18-3.12.82.83-3.04-.2-.31a8.2 8.2 0 0 1-1.26-4.38c0-4.54 3.7-8.24 8.25-8.24 2.2 0 4.27.86 5.83 2.42a8.2 8.2 0 0 1 2.41 5.83c0 4.54-3.7 8.23-8.24 8.23zm4.52-6.17c-.25-.12-1.47-.72-1.69-.81-.23-.08-.39-.12-.56.13-.16.24-.64.8-.79.97-.14.16-.29.18-.54.06-.25-.12-1.05-.39-1.99-1.23-.74-.66-1.23-1.47-1.38-1.72-.14-.25-.01-.38.11-.5.11-.11.25-.29.37-.43.13-.15.17-.25.25-.41.08-.17.04-.31-.02-.43-.06-.12-.56-1.34-.76-1.84-.2-.48-.41-.42-.56-.43h-.48c-.16 0-.43.06-.65.31-.22.25-.85.84-.85 2.04s.87 2.37.99 2.53c.12.17 1.71 2.61 4.14 3.66.58.25 1.03.4 1.38.51.58.19 1.11.16 1.53.1.47-.07 1.47-.6 1.68-1.18.21-.58.21-1.08.14-1.18-.06-.11-.22-.17-.47-.29z\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n        <span class=\"bfh-btn-txt\">\r\n          <span class=\"bfh-btn-label\" data-bfh=\"waLabel\"><\/span>\r\n          <span class=\"bfh-btn-sub\" data-bfh=\"waSub\"><\/span>\r\n        <\/span>\r\n        <span class=\"bfh-arrow\" aria-hidden=\"true\">\r\n          <svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"2.2\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n            <path d=\"M5 12h14M13 6l6 6-6 6\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n      <\/a>\r\n    <\/div>\r\n\r\n    <div class=\"bfh-foot\">\r\n      <span class=\"bfh-status\">\r\n        <span class=\"bfh-dot\" id=\"bfh-dot\"><\/span>\r\n        <span id=\"bfh-status-txt\"><\/span>\r\n      <\/span>\r\n      <span class=\"bfh-sep\" aria-hidden=\"true\">\u00b7<\/span>\r\n      <span class=\"bfh-branch\" id=\"bfh-branch\"><\/span>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n\/* ---------- Best Finance Hilfe-Block ---------- *\/\r\n#bfh-root{\r\n  --bfh-navy:#1e3a5c;\r\n  --bfh-navy-2:#2b5183;\r\n  --bfh-blue:#3b82f6;\r\n  --bfh-wa:#1fae54;\r\n  --bfh-wa-2:#25d366;\r\n  --bfh-ink:#1b2b3d;\r\n  --bfh-muted:#64748b;\r\n  --bfh-line:#e3eaf3;\r\n  --bfh-bg:#ffffff;\r\n  font-family:inherit;\r\n  color:var(--bfh-ink);\r\n  max-width:760px;\r\n  margin:0 auto;\r\n}\r\n#bfh-root *,#bfh-root *::before,#bfh-root *::after{box-sizing:border-box;}\r\n\r\n#bfh-root .bfh-card{\r\n  position:relative;\r\n  overflow:hidden;\r\n  background:var(--bfh-bg);\r\n  border:1px solid var(--bfh-line);\r\n  border-radius:18px;\r\n  padding:32px 30px 24px;\r\n  box-shadow:0 10px 30px -18px rgba(30,58,92,.35);\r\n}\r\n#bfh-root .bfh-card::before{\r\n  content:\"\";\r\n  position:absolute;left:0;top:0;bottom:0;width:5px;\r\n  background:linear-gradient(180deg,var(--bfh-navy) 0%,var(--bfh-blue) 100%);\r\n}\r\n#bfh-root .bfh-glow{\r\n  position:absolute;right:-90px;top:-110px;\r\n  width:280px;height:280px;border-radius:50%;\r\n  background:radial-gradient(circle,rgba(59,130,246,.13) 0%,rgba(59,130,246,0) 70%);\r\n  pointer-events:none;\r\n}\r\n\r\n#bfh-root .bfh-head{position:relative;margin-bottom:22px;}\r\n#bfh-root .bfh-eyebrow{\r\n  display:inline-block;\r\n  font-size:12px;font-weight:700;letter-spacing:.10em;text-transform:uppercase;\r\n  color:var(--bfh-blue);margin-bottom:8px;\r\n}\r\n#bfh-root .bfh-title{\r\n  margin:0 0 8px;\r\n  font-size:24px;line-height:1.25;font-weight:700;color:var(--bfh-navy);\r\n}\r\n#bfh-root .bfh-lead{\r\n  margin:0;font-size:15.5px;line-height:1.6;color:var(--bfh-muted);max-width:52ch;\r\n}\r\n\r\n#bfh-root .bfh-actions{\r\n  position:relative;\r\n  display:grid;grid-template-columns:1fr 1fr;gap:14px;\r\n}\r\n#bfh-root .bfh-btn{\r\n  display:flex;align-items:center;gap:13px;\r\n  padding:15px 16px;border-radius:12px;\r\n  text-decoration:none!important;color:#fff!important;\r\n  transition:transform .18s ease,box-shadow .18s ease,filter .18s ease;\r\n}\r\n#bfh-root .bfh-btn:hover{transform:translateY(-2px);filter:saturate(1.05);}\r\n#bfh-root .bfh-btn:focus-visible{outline:3px solid var(--bfh-blue);outline-offset:3px;}\r\n#bfh-root .bfh-btn--call{\r\n  background:linear-gradient(135deg,var(--bfh-navy) 0%,var(--bfh-navy-2) 100%);\r\n  box-shadow:0 8px 20px -12px rgba(30,58,92,.9);\r\n}\r\n#bfh-root .bfh-btn--call:hover{box-shadow:0 14px 26px -12px rgba(30,58,92,.95);}\r\n#bfh-root .bfh-btn--wa{\r\n  background:linear-gradient(135deg,var(--bfh-wa) 0%,var(--bfh-wa-2) 100%);\r\n  box-shadow:0 8px 20px -12px rgba(31,174,84,.9);\r\n}\r\n#bfh-root .bfh-btn--wa:hover{box-shadow:0 14px 26px -12px rgba(31,174,84,.95);}\r\n\r\n#bfh-root .bfh-ico{\r\n  flex:0 0 auto;display:flex;align-items:center;justify-content:center;\r\n  width:42px;height:42px;border-radius:11px;\r\n  background:rgba(255,255,255,.16);\r\n}\r\n#bfh-root .bfh-btn-txt{display:flex;flex-direction:column;min-width:0;flex:1 1 auto;}\r\n#bfh-root .bfh-btn-label{font-size:15.5px;font-weight:700;line-height:1.25;}\r\n#bfh-root .bfh-btn-sub{\r\n  font-size:13px;line-height:1.35;opacity:.82;margin-top:2px;\r\n  white-space:nowrap;overflow:hidden;text-overflow:ellipsis;\r\n}\r\n#bfh-root .bfh-arrow{flex:0 0 auto;opacity:.6;transition:transform .18s ease;}\r\n#bfh-root .bfh-btn:hover .bfh-arrow{transform:translateX(3px);opacity:1;}\r\n\r\n#bfh-root .bfh-foot{\r\n  display:flex;align-items:center;flex-wrap:wrap;gap:8px;\r\n  margin-top:20px;padding-top:16px;border-top:1px solid var(--bfh-line);\r\n  font-size:13.5px;color:var(--bfh-muted);\r\n}\r\n#bfh-root .bfh-status{display:inline-flex;align-items:center;gap:7px;}\r\n#bfh-root .bfh-dot{width:9px;height:9px;border-radius:50%;background:#cbd5e1;flex:0 0 auto;}\r\n#bfh-root .bfh-dot.is-open{\r\n  background:#22c55e;\r\n  box-shadow:0 0 0 0 rgba(34,197,94,.55);\r\n  animation:bfh-pulse 2.2s infinite;\r\n}\r\n@keyframes bfh-pulse{\r\n  70%{box-shadow:0 0 0 9px rgba(34,197,94,0);}\r\n  100%{box-shadow:0 0 0 0 rgba(34,197,94,0);}\r\n}\r\n#bfh-root .bfh-sep{opacity:.45;}\r\n#bfh-root .bfh-branch{font-weight:600;color:var(--bfh-navy);}\r\n\r\n@media (max-width:700px){\r\n  #bfh-root .bfh-card{padding:26px 20px 20px;border-radius:16px;}\r\n  #bfh-root .bfh-title{font-size:21px;}\r\n  #bfh-root .bfh-actions{grid-template-columns:1fr;}\r\n}\r\n@media (prefers-reduced-motion:reduce){\r\n  #bfh-root .bfh-btn,#bfh-root .bfh-arrow{transition:none;}\r\n  #bfh-root .bfh-dot.is-open{animation:none;}\r\n}\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  \"use strict\";\r\n\r\n  \/* ================================================================\r\n     1) Werte aus window.CC_CALC\r\n     ================================================================ *\/\r\n  var CC = (window.CC_CALC && typeof window.CC_CALC === \"object\") ? window.CC_CALC : {};\r\n\r\n  \/* Nur Notnagel, falls CC_CALC nicht geladen ist oder ein Feld leer.\r\n     Diese Werte sollen NICHT gepflegt werden \u2013 die Pflege laeuft ueber\r\n     Einstellungen -> Kreditrechner.                                   *\/\r\n  var BFH_FALLBACK = {\r\n    firma_name:\"bestfinance.ch\", firma_plzort:\"5001 Aarau\",\r\n    firma_telefon:\"+41 (62) 823 08 03\", firma_telefon_link:\"tel:+41628230803\",\r\n    firma_whatsapp:\"41794505545\", firma_whatsapp_link:\"https:\/\/wa.me\/41794505545\",\r\n    fil_firmenname:\"Best-Finance Sarl\", fil_plzort:\"1004 Lausanne\",\r\n    fil_festnetz:\"021 624 55 45\", fil_festnetz_link:\"tel:0216245545\",\r\n    fil_whatsapp:\"41798167180\", fil_whatsapplink:\"https:\/\/wa.me\/41798167180\"\r\n  };\r\n\r\n  \/* Oeffnungszeiten: erst CC_CALC, sonst diese Standardwerte.\r\n     Sobald firma_zeit_von usw. in cc-calc-werte.php existieren,\r\n     greifen sie automatisch.                                          *\/\r\n  var BFH_ZEIT_STANDARD = { von:\"08:00\", bis:\"17:30\" };\r\n  var BFH_ARBEITSTAGE   = [1,2,3,4,5];   \/* Mo=1 ... Fr=5 *\/\r\n\r\n  \/* V('firma_telefon') -> Wert aus CC_CALC, sonst Fallback *\/\r\n  function V(name, standard){\r\n    var w = CC[name];\r\n    if (w === undefined || w === null || String(w).trim() === \"\"){\r\n      w = (standard !== undefined) ? standard : BFH_FALLBACK[name];\r\n    }\r\n    return (w === undefined || w === null) ? \"\" : String(w).trim();\r\n  }\r\n\r\n  \/* ================================================================\r\n     2) Werte aufbereiten\r\n     ================================================================ *\/\r\n\r\n  \/* CC_CALC liefert bereits \"tel:+41628230803\". Falls leer, aus der\r\n     Anzeigenummer bauen.                                              *\/\r\n  function telZiel(link, anzeige){\r\n    var q = link || anzeige;\r\n    q = q.replace(\/^tel:\/i,\"\");\r\n    var plus = (q.charAt(0) === \"+\") ? \"+\" : \"\";\r\n    q = q.replace(\/\\D\/g,\"\");\r\n    return q ? \"tel:\" + plus + q : \"#\";\r\n  }\r\n\r\n  \/* CC_CALC liefert bereits \"https:\/\/wa.me\/41794505545\". Falls leer,\r\n     aus der Nummer bauen. Der Nachrichtentext wird angehaengt.        *\/\r\n  function waZiel(link, nummer, text){\r\n    var url = link;\r\n    if (!url){\r\n      var n = String(nummer).replace(\/\\D\/g,\"\");\r\n      if (!n){ return \"#\"; }\r\n      url = \"https:\/\/wa.me\/\" + n;\r\n    }\r\n    if (url.indexOf(\"text=\") === -1){\r\n      url += (url.indexOf(\"?\") === -1 ? \"?\" : \"&\") + \"text=\" + encodeURIComponent(text);\r\n    }\r\n    return url;\r\n  }\r\n\r\n  \/* \"5001 Aarau\" -> \"Aarau\" *\/\r\n  function ortAusPlzOrt(s){\r\n    var t = s.replace(\/^\\s*(CH-)?\\d{4}\\s*\/i,\"\").trim();\r\n    return t || s;\r\n  }\r\n\r\n  \/* Stammdaten der gewaehlten Filiale *\/\r\n  function filialDaten(code){\r\n    if (code === \"LS\"){\r\n      return {\r\n        code:\"LS\",\r\n        firma:      V(\"fil_firmenname\"),\r\n        ort:        ortAusPlzOrt(V(\"fil_plzort\")),\r\n        telAnzeige: V(\"fil_festnetz\"),\r\n        telLink:    V(\"fil_festnetz_link\"),\r\n        waNummer:   V(\"fil_whatsapp\"),\r\n        waLink:     V(\"fil_whatsapplink\"),\r\n        zeitVon:    V(\"fil_zeit_von\", BFH_ZEIT_STANDARD.von),\r\n        zeitBis:    V(\"fil_zeit_bis\", BFH_ZEIT_STANDARD.bis)\r\n      };\r\n    }\r\n    return {\r\n      code:\"AA\",\r\n      firma:      V(\"firma_name\"),\r\n      ort:        ortAusPlzOrt(V(\"firma_plzort\")),\r\n      telAnzeige: V(\"firma_telefon\"),\r\n      telLink:    V(\"firma_telefon_link\"),\r\n      waNummer:   V(\"firma_whatsapp\"),\r\n      waLink:     V(\"firma_whatsapp_link\"),\r\n      zeitVon:    V(\"firma_zeit_von\", BFH_ZEIT_STANDARD.von),\r\n      zeitBis:    V(\"firma_zeit_bis\", BFH_ZEIT_STANDARD.bis)\r\n    };\r\n  }\r\n\r\n  \/* ================================================================\r\n     3) Sprache und Filiale\r\n     ================================================================ *\/\r\n  var BFH_SPRACHCODES = {\r\n    \"D\":\"D\",\"DE\":\"D\",\"DE-CH\":\"D\",\r\n    \"F\":\"F\",\"FR\":\"F\",\"FR-CH\":\"F\",\r\n    \"I\":\"I\",\"IT\":\"I\",\"IT-CH\":\"I\",\r\n    \"P\":\"P\",\"PT\":\"P\",\"PT-PT\":\"P\",\r\n    \"E\":\"E\",\"ES\":\"E\",\"ES-ES\":\"E\",\r\n    \"U\":\"U\",\"EN\":\"U\",\"EN-GB\":\"U\",\"EN-US\":\"U\"\r\n  };\r\n  var BFH_SPRACHE_ZU_FILIALE = { D:\"AA\", I:\"AA\", E:\"AA\", U:\"AA\", F:\"LS\", P:\"LS\" };\r\n  var BFH_FILIALEN_BEKANNT   = { AA:1, LS:1 };\r\n  var BFH_FILIALE_FALLBACK   = \"AA\";\r\n\r\n  function urlVar(name){\r\n    var tr = (window.location.search || \"\").match(new RegExp(\"[?&]\"+name+\"=([^&#]*)\",\"i\"));\r\n    return tr ? decodeURIComponent(tr[1].replace(\/\\+\/g,\" \")).trim() : \"\";\r\n  }\r\n  function merken(k,w){ try{ if(w){ window.sessionStorage.setItem(k,w); } }catch(e){} }\r\n  function gemerkt(k){ try{ return window.sessionStorage.getItem(k) || \"\"; }catch(e){ return \"\"; } }\r\n\r\n  function ermittleSprache(){\r\n    var roh = urlVar(\"sp\").toUpperCase();\r\n    if (BFH_SPRACHCODES[roh]){ merken(\"bf_sp\", BFH_SPRACHCODES[roh]); return BFH_SPRACHCODES[roh]; }\r\n\r\n    var ges = gemerkt(\"bf_sp\").toUpperCase();\r\n    if (BFH_SPRACHCODES[ges]){ return BFH_SPRACHCODES[ges]; }\r\n\r\n    var p = (window.location.pathname || \"\").toLowerCase().match(\/^\\\/(fr|pt|it|es|en)(\\\/|$)\/);\r\n    if (p){ return BFH_SPRACHCODES[p[1].toUpperCase()]; }\r\n\r\n    var lang = (document.documentElement.getAttribute(\"lang\") || \"de\").toUpperCase();\r\n    if (BFH_SPRACHCODES[lang]){ return BFH_SPRACHCODES[lang]; }\r\n    if (BFH_SPRACHCODES[lang.split(\"-\")[0]]){ return BFH_SPRACHCODES[lang.split(\"-\")[0]]; }\r\n\r\n    return \"D\";\r\n  }\r\n\r\n  function ermittleFiliale(sprache){\r\n    var roh = urlVar(\"fo\").toUpperCase();\r\n    if (roh){\r\n      merken(\"bf_fo\", roh);\r\n      return { code: BFH_FILIALEN_BEKANNT[roh] ? roh : BFH_FILIALE_FALLBACK, quelle:\"url\" };\r\n    }\r\n    var ges = gemerkt(\"bf_fo\").toUpperCase();\r\n    if (ges){\r\n      return { code: BFH_FILIALEN_BEKANNT[ges] ? ges : BFH_FILIALE_FALLBACK, quelle:\"session\" };\r\n    }\r\n    return { code: BFH_SPRACHE_ZU_FILIALE[sprache] || BFH_FILIALE_FALLBACK, quelle:\"sprache\" };\r\n  }\r\n\r\n  \/* ================================================================\r\n     4) Texte\r\n     ================================================================ *\/\r\n  var BFH_TEXTE = {\r\n    D:{ eyebrow:\"Pers\u00f6nliche Hilfe\",\r\n        title:\"Kommen Sie nicht weiter?\",\r\n        lead:\"Kein Problem \u2013 unsere Kreditberater helfen Ihnen beim Ausf\u00fcllen. Rufen Sie uns an oder schreiben Sie uns kurz per WhatsApp.\",\r\n        callLabel:\"Jetzt anrufen\", waLabel:\"Per WhatsApp schreiben\",\r\n        waSub:\"Antwort meist in wenigen Minuten\",\r\n        open:\"Jetzt erreichbar\", closed:\"Aktuell geschlossen \u2013 wir melden uns\",\r\n        branch:\"Filiale\",\r\n        waText:\"Guten Tag, ich habe eine Frage zu meiner Kreditanfrage auf bestfinance.ch.\" },\r\n\r\n    F:{ eyebrow:\"Aide personnalis\u00e9e\",\r\n        title:\"Vous \u00eates bloqu\u00e9 ?\",\r\n        lead:\"Pas de souci \u2013 nos conseillers vous accompagnent dans votre demande. Appelez-nous ou \u00e9crivez-nous simplement par WhatsApp.\",\r\n        callLabel:\"Appeler maintenant\", waLabel:\"\u00c9crire sur WhatsApp\",\r\n        waSub:\"R\u00e9ponse en quelques minutes\",\r\n        open:\"Disponible maintenant\", closed:\"Actuellement ferm\u00e9 \u2013 nous vous rappelons\",\r\n        branch:\"Succursale\",\r\n        waText:\"Bonjour, j'ai une question concernant ma demande de cr\u00e9dit sur bestfinance.ch.\" },\r\n\r\n    I:{ eyebrow:\"Assistenza personale\",\r\n        title:\"Non riesce a proseguire?\",\r\n        lead:\"Nessun problema \u2013 i nostri consulenti la aiutano a compilare la richiesta. 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