:root{--bg:#fff;--soft:#F5F7FA;--soft2:#EEF2F6;--ink:#0F1B2D;--text:#3B4657;--muted:#6A7586;--line:#E3E8EF;--brand:#0B5D6B;--brand2:#0E7A8B;--brandSoft:#E7F3F5;--ok:#157347;--warn:#9A6700;--r:14px;--safe:env(safe-area-inset-bottom,0px)}
*{margin:0;padding:0;box-sizing:border-box;-webkit-tap-highlight-color:transparent}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:76px}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;background:var(--bg);color:var(--text);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--brand)}
.w{max-width:1120px;margin:0 auto;padding:0 20px}
.n{max-width:760px}
h1,h2,h3{color:var(--ink);letter-spacing:-.02em;line-height:1.15}
h2{font-size:clamp(26px,3.4vw,34px);margin-bottom:12px}
h3{font-size:19px;margin-bottom:6px;letter-spacing:-.01em}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}
.sub{color:var(--muted);font-size:18px;max-width:640px}
svg.i{width:20px;height:20px;flex:none}
/* Header */
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hd{display:flex;align-items:center;gap:24px;height:64px}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--ink);font-weight:700;font-size:18px;letter-spacing:-.02em}
.logo .wm span{color:var(--muted);font-weight:500}
.nav{display:flex;gap:22px;margin-left:auto;font-size:15px}
.nav a{color:var(--text);text-decoration:none}
.nav a:hover{color:var(--brand)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:600;font-size:16px;padding:12px 20px;border-radius:10px;border:1px solid var(--brand);background:var(--brand);color:#fff;text-decoration:none;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--brand2)}
.btn.ghost{background:#fff;color:var(--brand)}
.btn.sm{padding:9px 14px;font-size:15px}
@media(max-width:860px){.nav{display:none}.hd .btn{margin-left:auto}}
/* Hero */
.hero{background:linear-gradient(180deg,var(--soft) 0%,#fff 100%);padding:56px 0 64px;border-bottom:1px solid var(--line)}
.hgrid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
.hero h1{font-size:clamp(32px,4.6vw,52px);margin-bottom:18px}
.hero h1 em{font-style:normal;color:var(--brand)}
.checks{list-style:none;margin:24px 0 0;display:grid;gap:10px}
.checks li{display:flex;gap:10px;align-items:flex-start;font-size:16px}
.checks svg{color:var(--ok);margin-top:3px}
.stand{margin-top:22px;font-size:13px;color:var(--muted)}
@media(max-width:900px){.hgrid{grid-template-columns:1fr;gap:28px}.hero{padding:32px 0 40px}}
/* Rechner */
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:0 1px 2px rgba(15,27,45,.04),0 12px 32px rgba(15,27,45,.07)}
.ch{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;font-size:14px;color:var(--muted)}
.ch b{color:var(--ink);font-size:15px}
.prog{height:4px;background:var(--soft2);border-radius:4px;overflow:hidden;margin-bottom:22px}.prog i{display:block;height:100%;background:var(--brand);transition:width .3s}
.q{font-weight:700;color:var(--ink);font-size:21px;line-height:1.3;margin-bottom:4px;letter-spacing:-.01em}
.qh{color:var(--muted);font-size:15px;margin-bottom:18px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opts button{font:inherit;font-weight:600;font-size:17px;padding:16px 12px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s}
.opts button:hover{border-color:var(--brand);background:var(--brandSoft)}
.back{background:none;border:0;color:var(--muted);font:inherit;font-size:14px;margin-top:14px;cursor:pointer}
.back:hover{color:var(--ink)}
.lab{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600}
.big{font-size:52px;font-weight:700;color:var(--ink);letter-spacing:-.03em;line-height:1.05;margin:6px 0 2px}
.big small{font-size:18px;font-weight:500;color:var(--muted);letter-spacing:0}
.split{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:16px 0}
.split div{background:var(--soft);border-radius:10px;padding:10px;font-size:12px;color:var(--muted)}
.split b{display:block;font-size:17px;color:var(--ink)}
.note{background:var(--soft);border-radius:10px;padding:12px 14px;font-size:15px;margin:12px 0}
.note.warn{background:#FFF8E6;color:#5C4300}
.sep{height:1px;background:var(--line);margin:20px 0}
form{display:grid;gap:10px;margin-top:12px}
input[type=text],input[type=tel]{font:inherit;font-size:17px;width:100%;padding:14px;border-radius:10px;border:1px solid #CBD3DD;background:#fff;color:var(--ink)}
input:focus{outline:2px solid var(--brandSoft);border-color:var(--brand)}
.ck{display:flex;gap:10px;align-items:flex-start;font-size:13px;line-height:1.45;color:var(--muted)}
.ck input{width:20px;height:20px;flex:none;margin-top:1px;accent-color:var(--brand)}
.go{width:100%;font-size:17px;padding:15px}
.go[disabled]{opacity:.6}
.err{color:#B42318;font-size:14px;min-height:1em}
.tiny{font-size:12px;color:var(--muted)}
.done{background:#E8F5EE;border-radius:12px;padding:18px;color:#0E4A2D}
/* Leiste */
.trust{border-bottom:1px solid var(--line)}
.tgrid{display:grid;grid-template-columns:repeat(4,1fr)}
.tgrid div{padding:22px 18px;border-right:1px solid var(--line)}
.tgrid div:last-child{border-right:0}
.tgrid b{display:block;font-size:24px;color:var(--ink);letter-spacing:-.02em}
.tgrid span{font-size:14px;color:var(--muted)}
@media(max-width:760px){.tgrid{grid-template-columns:1fr 1fr}.tgrid div:nth-child(2){border-right:0}.tgrid div:nth-child(-n+2){border-bottom:1px solid var(--line)}}
/* Sektionen */
section{padding:72px 0}
section.alt{background:var(--soft)}
@media(max-width:700px){section{padding:52px 0}}
.tw{overflow-x:auto;margin-top:22px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
table{width:100%;border-collapse:collapse;font-size:16px;min-width:520px}
th,td{padding:13px 16px;text-align:right;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
th{font-size:13px;font-weight:600;color:var(--muted);background:var(--soft);text-transform:uppercase;letter-spacing:.04em}
tr:last-child td{border-bottom:0}
td b{color:var(--ink)}
.cap{font-size:14px;color:var(--muted);margin-top:10px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.step:before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--brandSoft);color:var(--brand);font-weight:700;margin-bottom:14px}
.step p{font-size:16px;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.c{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff}
.c .ic{width:40px;height:40px;border-radius:10px;background:var(--brandSoft);color:var(--brand);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.c p{font-size:15px;color:var(--muted)}
@media(max-width:960px){.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr}}
@media(max-width:560px){.cards{grid-template-columns:1fr}}
.rgrid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media(max-width:860px){.rgrid{grid-template-columns:1fr;gap:24px}}
.tl{list-style:none;border-left:2px solid var(--line);margin-left:8px}
.tl li{position:relative;padding:0 0 22px 24px}
.tl li:last-child{padding-bottom:0}
.tl li:before{content:"";position:absolute;left:-7px;top:6px;width:12px;height:12px;border-radius:50%;background:#fff;border:2px solid var(--brand)}
.tl b{display:block;color:var(--ink)}
.tl span{font-size:15px;color:var(--muted)}
details{border-bottom:1px solid var(--line)}
details:first-of-type{border-top:1px solid var(--line)}
summary{cursor:pointer;padding:18px 34px 18px 0;font-weight:600;color:var(--ink);list-style:none;position:relative;font-size:17px}
summary::-webkit-details-marker{display:none}
summary:after{content:"";position:absolute;right:6px;top:24px;width:9px;height:9px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg);transition:transform .2s}
details[open] summary:after{transform:rotate(-135deg);top:28px}
details p{padding:0 0 18px;color:var(--text);font-size:16px}
.cta{background:var(--ink);color:#C9D2DF;border-radius:20px;padding:44px;display:flex;gap:24px;align-items:center;justify-content:space-between}
.cta h2{color:#fff;margin-bottom:6px}
.cta .btn{background:#fff;color:var(--ink);border-color:#fff;flex:none}
@media(max-width:760px){.cta{flex-direction:column;align-items:flex-start;padding:30px}}
footer{border-top:1px solid var(--line);padding:34px 0 calc(40px + var(--safe));font-size:14px;color:var(--muted)}
.fg{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:flex-start}
footer nav a{color:var(--text);text-decoration:none;margin-left:18px}
footer nav a:first-child{margin-left:0}
footer p{max-width:620px;margin-top:10px}
.sticky{position:fixed;left:0;right:0;bottom:0;padding:10px 16px calc(10px + var(--safe));background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-top:1px solid var(--line);display:none;z-index:20}
.sticky .btn{width:100%}
@media(max-width:860px){.sticky.on{display:block}}

/* Ratgeber-Unterseiten */
.crumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--brand)}
.answer{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:12px;padding:16px 18px;margin:20px 0 0;font-size:16px}
.answer b{color:var(--ink)}
.prose{max-width:760px}
.prose h2{margin-top:48px}
.prose h2:first-child{margin-top:0}
.prose p{margin-bottom:14px}
.prose ul,.prose ol{margin:0 0 16px 22px}
.prose li{margin:6px 0}
.prose strong{color:var(--ink)}
.prose .tw{margin-top:14px}
.hub{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.hub a{display:block;border:1px solid var(--line);border-radius:12px;padding:16px;text-decoration:none;color:var(--ink);font-weight:600;background:#fff}
.hub a span{display:block;font-weight:400;color:var(--muted);font-size:14px;margin-top:2px}
.hub a:hover{border-color:var(--brand)}
@media(max-width:640px){.hub{grid-template-columns:1fr}}
.fcols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.fcols h4{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.fcols ul{list-style:none}
.fcols li{margin:5px 0}
.fcols a{color:var(--text);text-decoration:none}
.fcols a:hover{color:var(--brand)}
@media(max-width:760px){.fcols{grid-template-columns:1fr}}
.nav .on{color:var(--brand);font-weight:600}