@font-face{font-family:'Inter';font-style:normal;font-weight:400 800;font-display:swap;src:url('../fonts/inter-de.woff2') format('woff2-variations'),url('../fonts/inter-de.woff2') format('woff2')}
:root{--brand:#4A2C8F;--brand-2:#6B4FC8;--tint:#F6F3FC;--tint-2:#ECE6FA;--ink:#17132B;--muted:#5E5A72;--line:#E5E0F0;--ok:#12A150;--cta-a:#FF9A1F;--cta-b:#EE7A00;--err:#C2410C}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}button,input{font:inherit}
.wrap{max-width:1200px;margin:0 auto;padding:0 16px}
/* logo */
.lg{display:inline-flex;align-items:center;gap:.6em;font-size:var(--fs,16px);min-width:0}.lg .rm{flex:0 0 auto;width:2.3em;height:2.3em}.lg .rm svg{width:100%;height:100%;display:block}
.lg .dm{display:flex;flex-direction:column;line-height:1.08;white-space:nowrap}.lg .l1{font-weight:800;letter-spacing:-.025em}.lg .l2{font-weight:600;letter-spacing:-.015em}
/* header */
.hd{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:62px}
.hd nav{display:none}.hd .cta{display:none}
.burger{width:42px;height:42px;border:1px solid var(--line);border-radius:12px;background:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer}
.burger i{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;position:relative}.burger i:before,.burger i:after{content:"";position:absolute;left:0;width:18px;height:2px;background:var(--ink);border-radius:2px}.burger i:before{top:-6px}.burger i:after{top:6px}
/* hero – mobile first */
.hero{background:linear-gradient(180deg,var(--tint) 0%,#fff 100%);padding:18px 0 28px}
.mrow{display:flex;align-items:center;gap:10px}
.thumb{flex:0 0 42px;width:42px;height:42px;border-radius:50%;background:center/cover no-repeat;box-shadow:0 0 0 2px #fff,0 0 0 4px var(--ring)}
.eb{display:inline-flex;align-items:center;font-size:12px;font-weight:600;color:var(--brand);background:#fff;border:1px solid var(--bd);padding:6px 11px;border-radius:999px}
h1{font-size:30px;line-height:1.06;letter-spacing:-.035em;font-weight:800;margin:14px 0 0}h1 span{color:var(--brand)}
.sub{font-size:16px;color:#3B3752;margin:10px 0 0;font-weight:500;line-height:1.45}
.checks{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:10px}.checks li{display:flex;gap:10px;font-size:14.5px;font-weight:500;color:#2C2842;line-height:1.4}
.tick{flex:0 0 20px;width:20px;height:20px;border-radius:50%;background:var(--ok);display:flex;align-items:center;justify-content:center;margin-top:1px}
.pic{display:none}
/* quick form */
.qf{background:#fff;border-radius:18px;box-shadow:0 14px 40px rgba(23,19,43,.12);padding:18px;margin-top:18px;border:1px solid var(--bd)}
.qhead{display:flex;justify-content:space-between;align-items:center;gap:10px}.qstep{font-size:12px;font-weight:700;color:var(--muted)}
.segs{display:flex;gap:4px;width:84px}.segs i{flex:1;height:4px;border-radius:4px;background:var(--tint-2)}.segs i.on{background:var(--brand)}
.q{font-size:17px;font-weight:700;line-height:1.3;margin:10px 0 12px}
.amts{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.amt{border:1.5px solid var(--line);background:#fff;border-radius:12px;padding:13px 6px;text-align:center;font-weight:800;font-size:15px;white-space:nowrap;cursor:pointer;color:var(--ink);transition:border-color .15s,background .15s}
.amt:hover{border-color:var(--hov)}.amt.on{border-color:var(--brand);background:var(--tint);box-shadow:inset 0 0 0 1px var(--brand)}
.amt.wish{grid-column:1/-1;font-weight:700;color:var(--brand);display:flex;align-items:center;justify-content:center;gap:8px}
.amt.wish svg{flex:0 0 auto}
.wishbox{display:none;margin-top:10px}.wishbox.show{display:block}
.wishbox label{display:block;font-size:13px;font-weight:600;color:#3B3752;margin-bottom:6px}
.inp{position:relative}.inp input{width:100%;height:52px;border:1.5px solid var(--brand);border-radius:12px;padding:0 44px 0 14px;font-size:18px;font-weight:700;color:var(--ink);outline:none;background:#fff}
.inp input:focus{box-shadow:0 0 0 4px var(--focus)}.inp span{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-weight:700;color:var(--muted)}
.hint{font-size:12.5px;color:var(--muted);margin-top:6px}.hint.err{color:var(--err);font-weight:600}
.btn{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;margin-top:14px;height:54px;border:0;border-radius:12px;background:linear-gradient(180deg,var(--cta-a),var(--cta-b));color:#fff;font-weight:800;font-size:16.5px;cursor:pointer;box-shadow:0 8px 18px rgba(238,122,0,.28)}
.btn:hover{filter:brightness(1.04)}
.qsafe{display:flex;justify-content:center;gap:16px;flex-wrap:wrap;margin-top:12px;font-size:12px;color:var(--muted);font-weight:500}.qsafe span{display:inline-flex;align-items:center;gap:5px}
.toast{display:none;margin-top:10px;background:#EAF7EF;color:#0C6B37;border-radius:10px;padding:10px 12px;font-size:13.5px;font-weight:600}
.mchecks{margin-top:20px}
/* desktop */
@media(min-width:960px){
 .wrap{padding:0 32px}
 .hd .wrap{height:76px}.hd nav{display:flex;gap:22px;font-size:14px;font-weight:500;color:#3B3752;white-space:nowrap}.hd .cta{white-space:nowrap}.hd nav a.on{color:var(--brand);font-weight:700}.hd nav a:hover{color:var(--brand)}
 .hd .cta{display:inline-flex;align-items:center;height:42px;padding:0 18px;border-radius:11px;background:var(--brand);color:#fff;font-weight:700;font-size:14px}
 .burger{display:none}.lg{--fs:17px}
 .hero{padding:56px 0 0;background:linear-gradient(180deg,var(--tint) 0%,var(--tint) 78%,#fff 78%)}
 .hgrid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:48px;align-items:center}
 .thumb{display:none}h1{font-size:54px;margin-top:18px}.sub{font-size:19px;margin-top:14px}.checks{margin-top:24px;gap:12px}.checks li{font-size:16px}
 .pic{display:block;position:relative;margin-right:10px}
 .pic img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:26px;box-shadow:0 26px 60px rgba(23,19,43,.18)}
 .chip{position:absolute;background:#fff;border-radius:14px;padding:11px 15px;box-shadow:0 14px 34px rgba(23,19,43,.16);line-height:1.25;font-size:13px;color:var(--muted)}
 .chip b{display:block;color:var(--ink);font-size:16px;font-weight:800}
 .c1{left:-26px;bottom:34px}.c2{right:-22px;top:26px}
 .qf{margin:44px 0 0;padding:22px 24px;display:grid;grid-template-columns:200px minmax(0,1fr) 230px;gap:10px 22px;align-items:center;position:relative;z-index:2}
 .qhead{grid-column:1;grid-row:1;flex-direction:column;align-items:flex-start;gap:8px}.q{grid-column:1;grid-row:2;margin:0;font-size:16px}
 .amtwrap{grid-column:2;grid-row:1/3}.amts{grid-template-columns:repeat(5,minmax(0,1fr))}.amt.wish{grid-column:auto}
 .btn{grid-column:3;grid-row:1/3;margin:0;height:58px}
 .qsafe{grid-column:1/-1;justify-content:flex-start;margin-top:4px;padding-top:12px;border-top:1px solid #F0EDF6}
 .toast{grid-column:1/-1}
 .mchecks{display:none}
 .amt{font-size:14.5px;padding:13px 4px}.amts{grid-template-columns:repeat(4,minmax(0,1fr)) minmax(0,1.3fr)}
}
@media(min-width:960px) and (max-width:1199px){
 .hd nav{gap:14px;font-size:13px}.hd .cta{padding:0 14px;font-size:13px}h1{font-size:46px}
 .qf{grid-template-columns:minmax(0,1fr) 230px}
 .qhead{grid-column:1;grid-row:1}.q{grid-column:1;grid-row:2}.btn{grid-column:2;grid-row:1/3}
 .amtwrap{grid-column:1/-1;grid-row:3;margin-top:6px}
}
@media(max-width:959px){.hchecks{display:none}}
@media(max-width:359px){.lg.pBU{--fs:13px}h1{font-size:27px}}
[data-theme=schiefer]{--brand:#33506C;--tint:#F5F6F8;--tint-2:#E7EAED;--bd:#DEE3E7;--ring:#B1BCC7;--hov:#A3B0BD;--focus:#33506C24}

.lgw{display:none}[data-theme=schiefer] .lgw[data-for=schiefer]{display:inline-flex}
.pv{background:#17132B;color:#fff;padding:14px 0}.pv .wrap{display:flex;flex-wrap:wrap;gap:10px 16px;align-items:center}
.pv b{font-size:14px;font-weight:700}.pv .opts{display:flex;flex-wrap:wrap;gap:8px}
.pv button{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.25);background:transparent;color:#fff;font:600 13.5px Inter,sans-serif;padding:8px 13px;border-radius:999px;cursor:pointer}
.pv button i{width:14px;height:14px;border-radius:50%;display:block;box-shadow:0 0 0 2px rgba(255,255,255,.35)}
.pv button.on{background:#fff;color:#17132B}.pv p{flex-basis:100%;margin:2px 0 0;font-size:13.5px;color:#D6D1E6;line-height:1.5}
.fam{background:#FAF9FC;border-top:1px solid #EEEAF4;padding:28px 0 40px}.fam h2{font-size:20px;margin:0 0 4px;letter-spacing:-.02em}.fam>.wrap>p{margin:0 0 16px;color:#5E5A72;font-size:14.5px}
.famrow{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.famrow>div{background:#fff;border:1px solid #EEEAF4;border-radius:14px;padding:16px;--fs:15px;overflow:hidden}
@media(max-width:959px){.famrow{grid-template-columns:minmax(0,1fr)}.famrow>div{--fs:12px;padding:12px}}

@media(min-width:960px){
 .chip{display:flex;align-items:center;gap:12px;padding:10px 18px 10px 10px;border-radius:18px;background:rgba(255,255,255,.80);-webkit-backdrop-filter:blur(12px) saturate(1.4);backdrop-filter:blur(12px) saturate(1.4);border:1px solid rgba(255,255,255,.75);box-shadow:0 18px 40px rgba(23,19,43,.18),inset 0 1px 0 rgba(255,255,255,.9);font-size:13px;color:#4C4862}
 .chip b{font-size:16px;color:var(--ink)}
 .ci{flex:0 0 42px;width:42px;height:42px;border-radius:13px;display:flex;align-items:center;justify-content:center;background:var(--brand);color:#fff;box-shadow:0 6px 14px color-mix(in srgb,var(--brand) 35%,transparent)}
 .c1{left:-30px;bottom:30px}.c2{right:-24px;top:24px}
}
.thumb{flex-basis:46px;width:46px;height:46px}

.util{display:none}
.hd{position:sticky}
.mainnav .dd{position:relative}.mainnav .dd>button{border:0;background:none;font:inherit;color:inherit;cursor:pointer;display:inline-flex;align-items:center;gap:5px;padding:0}
.ddm{position:absolute;left:-14px;top:calc(100% + 14px);min-width:240px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px rgba(23,19,43,.14);padding:8px;display:none;flex-direction:column}
.ddm a{padding:9px 12px;border-radius:9px;font-weight:500;white-space:nowrap}.ddm a:hover{background:var(--tint);color:var(--brand)}
.dd:hover .ddm,.dd:focus-within .ddm,.dd.open .ddm{display:flex}.dd:after{content:"";position:absolute;left:0;right:0;top:100%;height:16px}
.mnav{border-top:1px solid var(--line);background:#fff;padding:8px 16px 18px;max-height:calc(100vh - 62px);overflow:auto}
.mnav>a,.mnav summary{display:flex;justify-content:space-between;align-items:center;padding:13px 4px;border-bottom:1px solid #F0EEF4;font-weight:600;font-size:16px;cursor:pointer;list-style:none}
.mnav summary::-webkit-details-marker{display:none}.mnav details a{display:block;padding:10px 4px 10px 16px;font-size:15px;color:#3B3752}
.mnav details[open] summary svg{transform:rotate(180deg)}.mnav .mcta{justify-content:center;margin-top:14px;border:0;background:linear-gradient(180deg,var(--cta-a),var(--cta-b));color:#fff;border-radius:12px;height:50px}
h1 small{display:block;font-size:15px;font-weight:600;color:var(--muted);letter-spacing:0;margin-top:8px}
h2.sub{font-size:16px;color:#3B3752;margin:10px 0 0;font-weight:500;line-height:1.45;letter-spacing:0}
.kicker{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}
section h2{letter-spacing:-.025em}
/* partner */
.partner{padding:30px 0 10px}.partner h3{font-size:13px;font-weight:600;color:var(--muted);text-align:center;margin:0 0 14px}
.marquee{display:flex;overflow:hidden;-webkit-mask:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee ul{display:flex;gap:34px;list-style:none;margin:0;padding:0 17px;animation:mq 40s linear infinite;flex:0 0 auto}
.marquee img{display:block;height:44px;width:auto;filter:grayscale(1);opacity:.62;transition:.2s}.marquee img:hover{filter:none;opacity:1}
@keyframes mq{to{transform:translateX(-100%)}}@media(prefers-reduced-motion:reduce){.marquee ul{animation:none}.marquee{flex-wrap:wrap}}
/* features */
.feats{padding:20px 0 8px}.fgrid{display:grid;gap:12px}
.feat{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px}
.fi{flex:0 0 58px;width:58px;height:58px;border-radius:17px;background:linear-gradient(145deg,color-mix(in srgb,var(--brand) 82%,#fff),var(--brand));color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 22px color-mix(in srgb,var(--brand) 28%,transparent)}.fi svg{width:30px;height:30px}
.feat h4{margin:4px 0 5px;font-size:17px}.feat p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.5}
/* intro */
.intro{padding:44px 0}.igrid{display:grid;gap:28px}
.prose h2{font-size:26px;line-height:1.15;margin:0 0 14px}.prose h3{font-size:19px;margin:26px 0 8px;letter-spacing:-.015em}
.prose p{font-size:16px;line-height:1.7;color:#2F2B44;margin:0 0 14px}.prose p.lead{font-size:17px;color:var(--ink)}
.prose a,.kc a,.fazit a,.video a{color:var(--brand);font-weight:600;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.side{display:grid;gap:16px;align-content:start}
.cmp{background:var(--tint);border:1px solid var(--bd);border-radius:20px;padding:20px}.cmph{margin:0 0 12px;font-weight:800;font-size:16px}
.cmpcol{background:#fff;border-radius:14px;padding:14px 16px;margin-bottom:10px}.cmpcol .tag{display:inline-block;font-size:12px;font-weight:700;padding:4px 9px;border-radius:999px;margin-bottom:8px}
.cmpcol.dd .tag{background:var(--brand);color:#fff}.cmpcol.bu .tag{background:#EEEDF2;color:#4C4862}
.cmpcol ul{list-style:none;margin:0;padding:0;display:grid;gap:7px;font-size:14px;line-height:1.4}.cmpcol li{display:flex;gap:8px}.cmpcol.dd svg{flex:0 0 auto;color:var(--ok);margin-top:3px}
.cmpcol.bu li:before{content:"–";color:#9A96AC;flex:0 0 auto}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--brand);font-size:14.5px}.more:hover{text-decoration:underline}
.video{background:#fff;border:1px solid var(--line);border-radius:20px;padding:14px}.vph{aspect-ratio:16/9;border-radius:14px;background:radial-gradient(120% 120% at 20% 0%,color-mix(in srgb,var(--brand) 70%,#fff) 0%,var(--brand) 55%,#1E3044 100%);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;color:#fff;text-align:center;padding:16px}
.play{width:62px;height:62px;border-radius:50%;background:rgba(255,255,255,.18);box-shadow:inset 0 0 0 1px rgba(255,255,255,.4);display:flex;align-items:center;justify-content:center;padding-left:4px}.vt{font-weight:700;font-size:15px;max-width:280px}
.video p{font-size:12.5px;color:var(--muted);line-height:1.5;margin:12px 2px}.vbtn{width:100%;height:44px;border-radius:11px;border:1.5px solid var(--brand);background:#fff;color:var(--brand);font-weight:700;cursor:pointer}
/* kurz */
.kurz{background:var(--tint);padding:48px 0}.khead h2{font-size:26px;line-height:1.15;margin:0 0 22px}
.kgrid{display:grid;gap:14px}.kc{background:#fff;border-radius:18px;padding:20px;border:1px solid var(--bd)}
.ki{width:52px;height:52px;border-radius:15px;background:var(--tint);color:var(--brand);box-shadow:inset 0 0 0 1px var(--bd);display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.kc h3{font-size:17.5px;margin:0 0 8px;letter-spacing:-.015em;line-height:1.3}.kc p{font-size:15px;line-height:1.65;color:#3B3752;margin:0 0 10px}.kc p:last-child{margin:0}
.chips{list-style:none;padding:0;margin:4px 0 12px;display:flex;flex-wrap:wrap;gap:7px}.chips li{background:var(--brand);color:#fff;font-size:13.5px;font-weight:600;padding:6px 12px;border-radius:999px}
.chips.ghost li{background:#fff;color:var(--brand);box-shadow:inset 0 0 0 1.5px var(--bd)}
.dl{list-style:none;padding:0;margin:4px 0 12px;display:grid;gap:9px}.dl li{display:flex;gap:10px;font-size:15px;line-height:1.5;color:#3B3752}.dl b{color:var(--ink)}
.ki svg{width:26px;height:26px}
.dl .ck{flex:0 0 20px;height:20px;border-radius:50%;background:var(--ok);color:#fff;display:flex;align-items:center;justify-content:center;margin-top:2px}.dl .ck svg{width:11px;height:11px}
.fazit{margin-top:16px;background:var(--brand);color:#fff;border-radius:20px;padding:22px;display:grid;gap:16px}
.fazit h3{margin:0 0 8px;font-size:19px}.fazit p{margin:0;line-height:1.65;font-size:15.5px;color:rgba(255,255,255,.88)}.fazit a{color:#fff}
.btn.fbtn,.btn.ftbtn{text-decoration:none;margin:0}
/* faq */
.faq{padding:48px 0}.fgrid2{display:grid;gap:18px}.fhead h2{font-size:26px;margin:0 0 10px}
.acc{display:grid;gap:10px}.acc details{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}
.acc summary{list-style:none;cursor:pointer;padding:18px 18px;font-weight:700;font-size:16px;display:flex;justify-content:space-between;gap:14px;align-items:center;line-height:1.35}
.acc summary::-webkit-details-marker{display:none}.acc .pm{flex:0 0 32px;height:32px;border-radius:50%;background:var(--tint);color:var(--brand);display:flex;align-items:center;justify-content:center;transition:transform .2s}
.acc details[open] .pm{transform:rotate(45deg)}.acc details p{margin:0;padding:0 18px 18px;font-size:15px;line-height:1.7;color:#3B3752}
/* news */
.news{padding:8px 0 56px}.nhead{display:flex;justify-content:space-between;align-items:flex-end;gap:12px;margin-bottom:18px}.nhead h2{font-size:26px;margin:0}
.ngrid{display:grid;gap:16px}.post{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;display:flex;flex-direction:column}
.pimg img{display:block;width:100%;height:auto;aspect-ratio:16/10;object-fit:cover;background:var(--tint)}.pb{padding:16px 18px 18px;display:flex;flex-direction:column;flex:1}
.pd{font-size:12.5px;color:var(--muted);margin:0 0 6px;font-weight:600}.post h3{font-size:17px;line-height:1.35;margin:0 0 8px;letter-spacing:-.01em}.post h3 a:hover{color:var(--brand)}
.post p{font-size:14.5px;line-height:1.6;color:#3B3752;margin:0 0 12px}.post .more{margin-top:auto}
/* footer */
.ft{background:#1B2A3A;color:rgba(255,255,255,.8);padding:36px 0 96px}.ftop{display:grid;gap:20px;padding-bottom:22px;border-bottom:1px solid rgba(255,255,255,.12)}
.fbrand .lg{--fs:16px}.fbrand p{margin:12px 0 0;font-size:13.5px}.ssl{display:inline-flex;align-items:center;gap:10px;margin-top:16px;background:#fff;color:#17132B;border-radius:12px;padding:9px 14px 9px 10px}.sslic{width:36px;height:36px;border-radius:10px;background:#EEF2F6;display:flex;align-items:center;justify-content:center}.ssl b{display:block;font-size:13.5px}.ssl small{display:block;font-size:12px;color:#5E6676}
.flinks{display:flex;flex-wrap:wrap;gap:8px 20px;padding:18px 0;font-size:14px}.flinks a:hover{color:#fff;text-decoration:underline}.copy{margin:0;font-size:13px;color:rgba(255,255,255,.55)}
mark.upd{background:#FFF3B0;color:inherit;border-radius:3px;padding:0 2px;box-shadow:0 0 0 2px #FFF3B0}.chips.upd{outline:2px dashed #E3B500;outline-offset:6px;border-radius:8px}
body.noupd mark.upd{background:none;box-shadow:none;padding:0}body.noupd .chips.upd{outline:none}
.updbar{position:fixed;left:10px;top:50%;transform:translateY(-50%);z-index:40;background:#17132B;color:#fff;border-radius:10px;padding:6px;font-size:11px;display:flex;gap:6px;align-items:center;box-shadow:0 8px 20px rgba(0,0,0,.25)}.updbar span{display:none}.updbar button{border:0;border-radius:7px;padding:6px 8px;font:700 11px Inter,sans-serif;cursor:pointer;background:#FFF3B0;color:#17132B}
@media(min-width:960px){.updbar span{display:inline}}
/* how */
.how{padding:44px 0;background:#fff}.hhead{text-align:center;margin-bottom:22px}.hhead h2{font-size:26px;margin:0}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:14px;counter-reset:s}
.steps li{position:relative;background:var(--tint);border:1px solid var(--bd);border-radius:20px;padding:22px 20px 20px}
.sn{position:absolute;top:16px;right:18px;font-size:44px;font-weight:800;color:var(--bd);line-height:1;letter-spacing:-.04em}
.si{width:56px;height:56px;border-radius:16px;background:#fff;color:var(--brand);display:flex;align-items:center;justify-content:center;box-shadow:0 8px 20px rgba(23,19,43,.08);margin-bottom:14px}
.steps h3{margin:0 0 6px;font-size:18px}.steps p{margin:0;font-size:15px;line-height:1.55;color:#3B3752}
.hcta{text-align:center;margin-top:20px}.hcta .btn{display:inline-flex;width:auto;padding:0 28px;text-decoration:none}
/* diseases */
.dis{padding:48px 0;background:#fff}.dhead{max-width:720px;margin-bottom:20px}.dhead h2{font-size:26px;margin:0 0 8px;line-height:1.15}.dhead p{margin:0;color:#3B3752;line-height:1.6;font-size:15.5px}
.dgrid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.dgrid li{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 12px;display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;transition:.2s}
.dgrid li:hover{border-color:var(--bd);box-shadow:0 12px 28px rgba(23,19,43,.08);transform:translateY(-2px)}
.dic{width:64px;height:64px;border-radius:50%;background:var(--tint);color:var(--brand);display:flex;align-items:center;justify-content:center}.dgrid b{font-size:14.5px;line-height:1.3}
/* toc */
.toc{display:none}
/* faq more */
.acc .more-q{display:none}.acc.all .more-q{display:block}
.showmore{justify-self:start;border:1.5px solid var(--brand);background:#fff;color:var(--brand);font-weight:700;border-radius:11px;height:46px;padding:0 20px;cursor:pointer}.acc.all .showmore{display:none}
/* video poster */
.vph{background-size:cover!important;background-position:center!important}
/* footer cols */
.fcols{display:grid;grid-template-columns:1fr 1fr;gap:20px}.fch{margin:0 0 10px;color:#fff;font-weight:700;font-size:14px}.fcols a{display:block;font-size:14px;padding:4px 0;color:rgba(255,255,255,.75)}.fcols a:hover{color:#fff}
@media(min-width:700px){.steps{grid-template-columns:repeat(3,1fr)}.dgrid{grid-template-columns:repeat(4,minmax(0,1fr))}}
@media(min-width:960px){.how{padding:72px 0}.hhead h2,.dhead h2{font-size:34px}.dis{padding:72px 0 40px}.dgrid li{padding:24px 14px}
 .ftop{grid-template-columns:minmax(0,1.2fr) minmax(0,1.4fr) auto!important;align-items:start!important;gap:40px!important} .fhead{position:sticky;top:100px;align-self:start}}
@media(min-width:1200px){
 .igrid{grid-template-columns:200px minmax(0,1fr) 340px!important;gap:44px!important}
 .toc{display:block;position:sticky;top:100px;align-self:start}.toch{margin:0 0 10px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
 .toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}.toc a{display:block;padding:7px 0 7px 14px;margin-left:-2px;border-left:2px solid transparent;font-size:14px;color:#4C4862;line-height:1.35}
 .toc a:hover{color:var(--brand)}.toc a.on{color:var(--brand);font-weight:700;border-left-color:var(--brand)}
 .toc .tocbtn{display:flex;justify-content:center;margin-top:16px;border:0;height:42px;align-items:center;border-radius:11px;background:var(--brand);color:#fff;font-weight:700;font-size:14px;padding:0}
}
.btn{padding:0 20px;text-align:center;text-decoration:none}.btn svg{flex:0 0 auto}
.btn.fbtn,.btn.ftbtn{height:auto;min-height:56px;padding:14px 22px;line-height:1.25}
.btn .lt{display:none}@media(min-width:1200px){.btn .lt{display:inline}.btn .sl{display:none}}
.qf .btn{white-space:nowrap;padding:0 16px}
@media(min-width:1200px){.qf{grid-template-columns:190px minmax(0,1fr) 262px!important}}@media(min-width:960px) and (max-width:1199px){.qf{grid-template-columns:minmax(0,1fr) 262px!important}}
/* 1 contrast: AA large text (>=3:1 at 19px bold) */
:root{--cta-a:#E8730C;--cta-b:#D96300}
.btn{font-size:19px!important;font-weight:800;letter-spacing:-.01em;box-shadow:0 8px 18px rgba(217,99,0,.30)!important}
.mnav .mcta{font-size:19px}
/* 4 price */
.price{padding:44px 0;background:#fff}.prhead{max-width:760px;margin-bottom:20px}.prhead h2{font-size:26px;margin:0 0 8px;line-height:1.15}.prhead p{margin:0;color:#3B3752;line-height:1.6;font-size:15.5px}
.prgrid{display:grid;gap:12px}.prc{background:var(--tint);border:1px solid var(--bd);border-radius:20px;padding:20px;position:relative}
.pri{position:absolute;top:18px;right:18px;width:40px;height:40px;border-radius:12px;background:#fff;color:var(--brand);display:flex;align-items:center;justify-content:center}
.pra{margin:0;font-weight:700;font-size:15px;color:#3B3752}.prv{margin:10px 0 4px;font-size:34px;font-weight:800;letter-spacing:-.03em;color:var(--ink)}.prv small{font-size:15px;font-weight:600;color:var(--muted);letter-spacing:0}
.prs{margin:0;font-size:13.5px;color:var(--muted)}.prfn{font-size:12.5px;color:var(--muted);line-height:1.5;margin:14px 0 0}
/* 5 header shrink */
.hd .wrap,.hd .lg{transition:height .2s,font-size .2s}.hd.sm .wrap{height:54px}.hd.sm .lg{--fs:14px}
@media(min-width:700px){.prgrid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:960px){.price{padding:64px 0 24px}.prhead h2{font-size:34px}.prc{padding:26px}.hd.sm .wrap{height:62px}.hd.sm .lg{--fs:15px}}
/* sticky mobile CTA */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:30;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .25s}
.sticky.show{transform:none}.sticky .btn{margin:0;height:50px;text-decoration:none}
@media(min-width:700px){.fgrid{grid-template-columns:1fr 1fr}.kgrid{grid-template-columns:1fr 1fr}.kc.wide{grid-column:1/-1}.ngrid{grid-template-columns:1fr 1fr}}
@media(min-width:960px){
 .util{display:block;background:#1B2A3A;color:rgba(255,255,255,.82);font-size:13px;font-weight:500}.util .wrap{height:34px;display:flex;align-items:center}
 .mnav{display:none!important}
 h1 small{font-size:17px;margin-top:10px}h2.sub{font-size:19px;margin-top:14px}
 .partner{padding:44px 0 14px}.fgrid{grid-template-columns:repeat(4,1fr)}.feat{flex-direction:column}
 .intro{padding:72px 0}.igrid{grid-template-columns:minmax(0,1fr) 380px;gap:56px}.side{position:sticky;top:100px}
 .prose h2,.khead h2,.fhead h2,.nhead h2{font-size:34px}.prose p{font-size:17px}.prose p.lead{font-size:18.5px}
 .kurz{padding:72px 0}.kgrid{grid-template-columns:repeat(3,1fr)}.kc.wide{grid-column:span 2}.kc{padding:24px}
 .fazit{grid-template-columns:minmax(0,1fr) auto;align-items:center;padding:30px 34px;gap:34px}
 .faq{padding:72px 0}.fgrid2{grid-template-columns:340px minmax(0,1fr);gap:48px}
 .news{padding:0 0 80px}.ngrid{grid-template-columns:repeat(3,1fr)}
 .ftop{grid-template-columns:1fr auto;align-items:center}.ft{padding-bottom:36px}
 .sticky{left:auto;right:28px;bottom:28px;padding:0;background:none;border:0;backdrop-filter:none;transform:translateY(160%)}.sticky .btn{width:auto;height:58px;padding:0 28px;border-radius:12px;font-size:16.5px;box-shadow:0 14px 34px rgba(238,122,0,.38)}
}

/* ===== wizard ===== */
#dkh:focus,.st h2:focus{outline:none}
body.wzopen{overflow:hidden}body.wzopen .sticky{display:none!important}
.wz{position:fixed;inset:0;z-index:100;background:rgba(15,23,34,.55);backdrop-filter:blur(3px);display:flex;align-items:stretch;justify-content:center}
.wz[hidden]{display:none}
.wzp{background:#fff;width:100%;display:flex;flex-direction:column;max-height:100%;animation:wzin .25s ease-out}
@keyframes wzin{from{transform:translateY(16px);opacity:0}}
.wzh{display:flex;justify-content:space-between;align-items:center;padding:10px 16px;border-bottom:1px solid var(--line)}.wzh .lg{--fs:13px}
.wzx{width:42px;height:42px;border-radius:12px;border:1px solid var(--line);background:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer;color:var(--ink)}
.wzprog{padding:14px 16px 0}.wzprog ol{list-style:none;margin:0 0 10px;padding:0;display:flex;justify-content:space-between;gap:6px}
.wzprog li{display:flex;align-items:center;gap:7px;font-size:12.5px;font-weight:600;color:var(--muted)}.wzprog li i{font-style:normal;width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--tint-2);color:var(--muted);font-size:12px;font-weight:800}
.wzprog li.on{color:var(--ink)}.wzprog li.on i{background:var(--cta-b);color:#fff}.wzprog li.done{color:var(--brand)}.wzprog li.done i{background:var(--brand);color:#fff}.wzprog li i svg{width:14px;height:14px}
.wzprog .bar{height:4px;border-radius:4px;background:var(--tint-2);overflow:hidden}.wzprog .bar b{display:block;height:100%;width:33.3%;background:var(--brand);border-radius:4px;transition:width .3s}
@media(max-width:420px){.wzprog li:not(.on) span{display:none}}
.wzf{flex:1;overflow:auto;padding:18px 16px 8px;-webkit-overflow-scrolling:touch}
.st{display:none}.st.on{display:block;animation:wzin .2s ease-out}
.st h2{font-size:22px;letter-spacing:-.02em;margin:0 0 16px;line-height:1.2}
fieldset{border:0;margin:0 0 18px;padding:0}legend .opt{font-weight:500;color:var(--muted);font-size:13px}legend{font-weight:700;font-size:15.5px;margin-bottom:10px;padding:0}em{color:var(--brand);font-style:normal}
.sum{display:flex;justify-content:space-between;align-items:center;gap:12px;background:var(--tint);border:1px solid var(--bd);border-radius:14px;padding:12px 14px;margin-bottom:18px}
.sum small{display:block;font-size:12px;color:var(--muted);font-weight:600}.sum b{font-size:22px;font-weight:800;letter-spacing:-.02em}
.lnk{border:0;background:none;color:var(--brand);font-weight:700;font-size:14px;display:inline-flex;align-items:center;gap:5px;cursor:pointer;padding:6px}
.sumbox{margin:-8px 0 18px}
.chips4{display:grid;grid-template-columns:1fr 1fr;gap:8px}.chips2{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.ch{border:1.5px solid var(--line);background:#fff;border-radius:12px;min-height:50px;padding:10px 8px;font:700 15px Inter,sans-serif;color:var(--ink);cursor:pointer;text-align:center;line-height:1.25}
.ch:hover{border-color:var(--hov)}.ch.on{border-color:var(--brand);background:var(--tint);box-shadow:inset 0 0 0 1px var(--brand)}
#jobs .ch{font-weight:600;font-size:14.5px}
.selw select,.f input,.dob input,.anm textarea,.sumbox input{width:100%;height:52px;border:1.5px solid #D8D4E2;border-radius:12px;padding:0 14px;font:500 17px Inter,sans-serif;color:var(--ink);background:#fff;outline:none;-webkit-appearance:none;appearance:none}
.selw{margin-top:8px}.selw select.on{border-color:var(--brand);background-color:var(--tint);box-shadow:inset 0 0 0 1px var(--brand)}.selw select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%235E5A72' stroke-width='3'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center}
.anm textarea{height:auto;padding:12px 14px;resize:vertical;margin-top:8px}
.f input:focus,.dob input:focus,.anm textarea:focus,.selw select:focus,.sumbox input:focus{border-color:var(--brand);box-shadow:0 0 0 4px var(--focus)}
.f{margin-bottom:14px}.f .hint{margin:6px 0 0;font-size:12.5px;color:var(--muted)}.f label,.lb{display:block;font-weight:600;font-size:14px;margin:0 0 6px;color:#2C2842}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:0 10px}.g3{display:grid;grid-template-columns:110px 1fr;gap:0 10px}
@media(max-width:380px){.g2{grid-template-columns:1fr}}
.dob{display:grid;grid-template-columns:1fr 1fr 1.6fr;gap:6px;align-items:center;grid-template-columns:72px 10px 72px 10px 100px}.dob span{text-align:center;font-weight:700;color:var(--muted)}.dob input{text-align:center;padding:0 6px}
.bad{border-color:#C2410C!important;background:#FFF8F5!important}
.err{color:#B4380A;font-size:13px;font-weight:600;margin:6px 0 0}
.anm{margin:4px 0 14px}.anm summary{cursor:pointer;color:var(--brand);font-weight:700;font-size:14.5px;list-style:none}.anm summary::-webkit-details-marker{display:none}.anm summary:before{content:"+ "}
.cb{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.45;color:#3B3752;margin:0 0 12px;cursor:pointer}
.cb{position:relative}.cb input{position:absolute;opacity:0;width:1px;height:1px}.cb .bx{flex:0 0 22px;height:22px;border:1.5px solid #C9C4D6;border-radius:7px;background:#fff;margin-top:1px;display:flex;align-items:center;justify-content:center}
.cb input:checked+.bx{background:var(--brand);border-color:var(--brand)}.cb input:checked+.bx:after{content:"";width:6px;height:11px;border:solid #fff;border-width:0 2.5px 2.5px 0;transform:rotate(45deg) translate(-1px,-1px)}
.cb input:focus-visible+.bx{box-shadow:0 0 0 4px var(--focus)}.cb a{color:var(--brand);font-weight:600;text-decoration:underline}
.wzfoot{display:flex;gap:10px;padding:12px 16px 8px;border-top:1px solid var(--line);background:#fff}
.back{flex:0 0 auto;height:56px;padding:0 16px;border:1.5px solid var(--line);background:#fff;border-radius:12px;font:700 15px Inter,sans-serif;color:var(--ink);display:inline-flex;align-items:center;gap:6px;cursor:pointer}
.back[hidden]{display:none}.wl{display:none}@media(min-width:700px){.wl{display:inline}}.wzn{flex:1;margin:0;height:56px}
.wzsafe{margin:0;padding:2px 16px 12px;font-size:12px;color:var(--muted);display:flex;align-items:center;justify-content:center;gap:6px;text-align:center}.wzsafe svg{color:var(--ok);flex:0 0 auto}
@media(max-width:420px){.back span{display:none}.back{padding:0 16px}}
@media(min-width:700px){.wz{align-items:center;padding:24px}.wzp{max-width:640px;max-height:min(92vh,860px);border-radius:24px;box-shadow:0 30px 80px rgba(0,0,0,.3);overflow:hidden}
 .wzh{padding:14px 24px}.wzprog{padding:18px 28px 0}.wzf{padding:24px 28px 10px}.wzfoot{padding:14px 28px 8px}.wzsafe{padding:2px 28px 16px}.st h2{font-size:26px}
 .chips4{grid-template-columns:repeat(4,1fr)}#jobs{grid-template-columns:repeat(3,1fr)}.wzh .lg{--fs:15px}}
/* ===== danke (1:1 live, Farben Schieferblau) ===== */
body.thanks>*:not(.danke):not(.hd):not(.util):not(script):not(.updbar):not(.ft){display:none!important}
body.thanks .hd .mainnav,body.thanks .hd .cta{visibility:hidden}
.danke{background:linear-gradient(180deg,var(--tint) 0%,#fff 320px)}.dk1{padding:24px 0 56px}.dk1 .wrap{max-width:860px}
.dkstep{list-style:none;margin:0 auto 26px;padding:0;display:grid;grid-template-columns:repeat(3,1fr);max-width:520px;position:relative}
.dkstep:before{content:"";position:absolute;left:16.6%;right:16.6%;top:22px;height:3px;background:var(--brand);border-radius:3px}
.dkstep li{position:relative;display:flex;flex-direction:column;align-items:center;gap:8px;font-size:14px;font-weight:700;color:var(--brand)}
.dkstep i{font-style:normal;width:46px;height:46px;border-radius:50%;background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:800;box-shadow:0 0 0 5px #fff}
.dkstep .cur i{background:var(--cta-b)}
.danke h1{font-size:28px;line-height:1.2;margin:0 0 20px;letter-spacing:-.02em;text-align:center;color:var(--brand)}
.dkmsg{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px}
.dkmsg h2{font-size:22px;line-height:1.25;margin:0 0 14px;color:var(--cta-b);letter-spacing:-.015em}
.dkmsg p{font-size:16px;line-height:1.65;color:#2F3746;margin:0 0 14px}.dkmsg .hl{font-weight:700;font-style:italic;color:var(--ink)}.dkmsg .sig{margin:0}
.dkmsg a{color:var(--brand);font-weight:700}
.rr{margin-top:16px;background:var(--tint);border:2px solid var(--brand);border-radius:20px;padding:20px}
.rr h2{font-size:19px;line-height:1.3;margin:0 0 12px;color:var(--cta-b)}
.rrf label{display:block;font-weight:700;font-size:14.5px;margin:0 0 6px}.rrrow{display:flex;gap:8px;flex-wrap:wrap}
.rrrow input{flex:1 1 220px;height:54px;border:1.5px solid #D8D4E2;border-radius:12px;padding:0 14px;font:500 17px Inter,sans-serif;outline:none;background:#fff}.rrrow input:focus{border-color:var(--brand);box-shadow:0 0 0 4px var(--focus)}
.btn.rrb{flex:1 1 160px;width:auto;margin:0;height:54px}
.rrok{display:flex;align-items:center;gap:8px;color:#0C6B37;font-weight:700;margin:0}.rrok[hidden]{display:none}
.cohead{font-size:22px;line-height:1.25;margin:32px 0 16px;color:var(--cta-b);letter-spacing:-.015em}
.cogrid{display:grid;gap:16px}
.cobox{background:#fff;border-radius:20px;overflow:hidden;box-shadow:0 12px 30px rgba(23,19,43,.10);border:1px solid var(--line);display:flex;flex-direction:column}
.cobh{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:20px 20px 22px;color:#fff;background:linear-gradient(135deg,#22384E 0%,var(--brand) 55%,#4C6F91 100%)}
.cobadge{display:inline-block;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:5px 12px;font-size:13px;font-weight:600}
.cobh h3{margin:12px 0 0;font-size:23px;line-height:1.2;letter-spacing:-.02em;hyphens:auto}
.cobi{flex:0 0 58px;height:58px;border-radius:50%;background:rgba(255,255,255,.16);display:flex;align-items:center;justify-content:center}
.cobb{padding:20px;display:flex;flex-direction:column;flex:1}
.cobl{list-style:none;margin:0 0 16px;padding:0;display:grid;gap:10px}.cobl li{display:flex;gap:10px;align-items:flex-start;font-size:16px;line-height:1.4;color:#2F3746}.cobl svg{flex:0 0 auto;color:var(--brand);margin-top:-1px}
.coll{display:block;font-weight:700;font-size:15px;margin:4px 0 8px;color:var(--ink)}
.cobb .selw{margin:0 0 14px}.coin{width:100%;height:52px;border:1.5px solid #D8D4E2;border-radius:12px;padding:0 14px;font:500 17px Inter,sans-serif;outline:none;margin-bottom:16px}
.coinw{position:relative;margin-bottom:16px}.coinw .coin{margin:0;padding-right:44px;font-weight:700}.coinw span{position:absolute;right:16px;top:50%;transform:translateY(-50%);font-weight:700;font-size:17px;color:var(--muted);pointer-events:none}
.coin:focus{border-color:var(--brand);box-shadow:0 0 0 4px var(--focus)}
.cobb .cb{margin-bottom:12px;font-size:15.5px}
.cob{margin-top:auto!important;height:56px}.cob.sent{background:var(--ok)!important;box-shadow:none!important}
.cosm{text-align:center;font-size:15px;font-weight:700;color:var(--brand);margin:10px 0 0}
.dkback{margin:28px 0 0;text-align:center}.dkback a{color:var(--brand);font-weight:700}
@media(min-width:700px){.cogrid{grid-template-columns:1fr 1fr}.dkmsg{padding:30px 34px}.rr{padding:24px 28px}}
.dkshort p:last-child{margin-bottom:0}
@media(max-width:699px){.dkstep{margin-bottom:18px;max-width:330px}.dkstep:before{top:16px;height:2px}.dkstep i{width:34px;height:34px;font-size:15px;box-shadow:0 0 0 4px #fff}.dkstep i svg{width:14px;height:14px}.dkstep li{font-size:12px;gap:6px}.danke h1{font-size:22px;margin-bottom:16px}.dkmsg h2{font-size:19px}.cohead{font-size:19px}}
@media(min-width:960px){.dk1{padding:44px 0 80px}.danke h1{font-size:36px}.dkmsg h2{font-size:26px}.cohead{font-size:26px}}


/* ===== Unterseiten ===== */
.bc{display:flex;flex-wrap:wrap;align-items:center;gap:4px 6px;font-size:13px;color:var(--muted);padding:14px 0 0;line-height:1.4}
.bc a{color:var(--muted);font-weight:500}.bc a:hover{color:var(--brand);text-decoration:underline}
.bc .sep{display:inline-flex;color:#A3ACB6}.bc [aria-current]{color:var(--ink);font-weight:600;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;max-width:100%}
.phd{position:relative;overflow:hidden;background:var(--tint);border-bottom:1px solid var(--bd)}
.phd .wrap{position:relative;z-index:1;padding-bottom:26px}
.phd .ring{position:absolute;z-index:0;right:-90px;top:-40px;width:200px;height:200px;color:var(--brand);pointer-events:none;opacity:.55}
.phd .pill{margin-top:14px}
.phd h1{font-size:28px;line-height:1.12;margin:14px 0 0;max-width:820px}
.phd .lead{font-size:16.5px;line-height:1.6;color:#3E4A57;max-width:760px;margin:12px 0 0}
.meta{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:14px;font-size:13.5px;color:var(--muted);font-weight:500}
.meta span{display:inline-flex;align-items:center;gap:6px}
.pill{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--bd);border-radius:999px;padding:5px 12px;font-size:12.5px;font-weight:700;color:var(--brand)}
.lay{display:grid;gap:32px;padding:26px 0 56px}
.lay>*{min-width:0}
.side2{display:grid;gap:18px;align-content:start}
/* Formularkarte (Schritt 1) in Unterseiten */
.qf.qs{margin:0;padding:18px;display:block}
.qf.qs .qt{font-size:19px;font-weight:800;letter-spacing:-.02em;line-height:1.25;margin:12px 0 0}
.qf.qs .qsub{font-size:14px;color:var(--muted);margin:6px 0 0;line-height:1.5}
.qf.qs .q{font-size:15px;margin:14px 0 10px;font-weight:700}
.qf.qs .amts{grid-template-columns:1fr 1fr!important}
.qf.qs .amt{font-size:15px;padding:12px 6px}
.qf.qs .amt.wish{grid-column:1/-1!important}
.qf.qs .btn{margin:14px 0 0;height:56px;grid-column:auto;grid-row:auto}
.qf.qs .qsafe{justify-content:flex-start;gap:6px 14px;border:0;padding:0;margin-top:12px}
.qf.qs .wishbox label{display:block}
.qf.qs .wishbox .inp{margin-top:6px}
/* Artikel-Typo */
.art{font-size:16.5px;line-height:1.72;color:#2A3440}
.art>*:first-child{margin-top:0}
.art p{margin:0 0 16px}
.art h2{font-size:24px;line-height:1.2;letter-spacing:-.02em;color:var(--ink);margin:38px 0 12px;scroll-margin-top:90px}
.art h3{font-size:19px;line-height:1.3;color:var(--ink);margin:28px 0 8px;scroll-margin-top:90px}
.art a{color:var(--brand);font-weight:600;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.art ul{padding:0;margin:0 0 18px;list-style:none;display:grid;gap:8px}
.art ul li{position:relative;padding-left:26px}
.art ul li:before{content:"";position:absolute;left:4px;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--brand);opacity:.85}
.art ol{margin:0 0 18px;padding-left:22px;display:grid;gap:8px}
.art strong{color:var(--ink)}
.art .lead{font-size:18px;line-height:1.65;color:var(--ink)}
/* Inhaltsverzeichnis */
.tocb{background:#fff;border:1px solid var(--bd);border-radius:16px;margin:0 0 26px}
.tocb summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:10px;padding:14px 16px;font-weight:800;color:var(--ink)}
.tocb summary::-webkit-details-marker{display:none}
.tocb summary svg:first-child{color:var(--brand)}
.tocb summary .chv{margin-left:auto;transition:transform .2s;color:var(--muted)}
.tocb[open] summary .chv{transform:rotate(90deg)}
.tocb ol{margin:0;padding:0 16px 14px 40px;display:grid;gap:7px;font-size:15px}
.tocb ol a{color:#3E4A57;font-weight:500;text-decoration:none}.tocb ol a:hover{color:var(--brand)}
.tocs{display:none}
/* Fakten-Box */
.facts{background:var(--tint);border:1px solid var(--bd);border-radius:20px;padding:20px;margin:6px 0 28px}
.facts h2{margin:0 0 4px!important;font-size:19px!important}
.facts .fst{font-size:13px;color:var(--muted);margin:0 0 14px}
.facts ul{display:grid;gap:10px!important;margin:0!important}
.facts li{padding:0!important;display:grid;grid-template-columns:40px minmax(0,1fr);gap:12px;align-items:start;background:#fff;border:1px solid var(--bd);border-radius:14px;padding:12px!important}
.facts li:before{display:none}
.facts .fi{width:40px;height:40px;border-radius:12px;background:var(--tint-2);color:var(--brand);display:flex;align-items:center;justify-content:center}
.facts small{display:block;font-size:12.5px;color:var(--muted);font-weight:600;line-height:1.3}
.facts b{display:block;font-size:15px;line-height:1.4;color:var(--ink)}
.chk{display:inline-flex;align-items:center;gap:6px;margin-top:12px;font-size:12.5px;font-weight:600;color:#8A5300;background:#FFF4E0;border:1px solid #F6D9A8;border-radius:999px;padding:4px 10px}
/* Versicherer-Kopf */
.vlogo{display:flex;align-items:center;justify-content:center;width:112px;height:64px;border-radius:14px;background:#fff;border:1px solid var(--bd);font-weight:800;color:#C8102E;font-size:15px;letter-spacing:-.01em;box-shadow:0 6px 18px rgba(23,40,60,.06);margin-top:16px}
/* Dokumente */
.docs{display:grid;gap:10px;margin:0 0 24px}
.doc{display:flex;align-items:center;gap:14px;border:1px solid var(--bd);border-radius:14px;padding:14px 16px;background:#fff;text-decoration:none!important;color:var(--ink)!important;font-weight:600!important}
.doc:hover{border-color:var(--hov)}
.doc .di{flex:0 0 42px;height:42px;border-radius:12px;background:var(--tint);color:var(--brand);display:flex;align-items:center;justify-content:center}
.doc small{display:block;font-weight:500;color:var(--muted);font-size:12.5px}
.doc .ar{margin-left:auto;color:var(--brand);display:flex}
/* weitere Versicherer */
.vgrid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0 0 8px}
.vgrid a{display:flex;align-items:center;justify-content:space-between;gap:8px;border:1px solid var(--bd);border-radius:12px;padding:12px 14px;background:#fff;font-weight:700!important;text-decoration:none!important;color:var(--ink)!important;font-size:15px}
.vgrid a:hover{border-color:var(--brand);color:var(--brand)!important}
.vgrid a svg{color:var(--brand);flex:0 0 auto}
/* Tipp-Box, Tabelle, Bild */
.tip{display:grid;grid-template-columns:40px minmax(0,1fr);gap:12px;background:var(--tint);border:1px solid var(--bd);border-left:4px solid var(--brand);border-radius:14px;padding:16px;margin:4px 0 22px}
.tip .ti{width:40px;height:40px;border-radius:12px;background:#fff;color:var(--brand);display:flex;align-items:center;justify-content:center}
.tip b{display:block;color:var(--brand);font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:2px}
.tip p{margin:0;font-size:15.5px;line-height:1.65}
.tblw{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 0 6px;border:1px solid var(--bd);border-radius:14px}
.tblw table{border-collapse:collapse;width:100%;min-width:520px;font-size:15px}
.tblw th{background:var(--brand);color:#fff;text-align:left;padding:11px 14px;font-weight:700;font-size:14px}
.tblw td{padding:11px 14px;border-top:1px solid var(--bd)}
.tblw tr:nth-child(even) td{background:var(--tint)}
.tblw td:last-child,.tblw th:last-child{text-align:right;white-space:nowrap}
.swipe{display:flex;align-items:center;gap:6px;font-size:12.5px;color:var(--muted);margin:0 0 22px}
.fig{position:relative;margin:8px 12px 30px 0;isolation:isolate}
.fig:before{content:"";position:absolute;inset:12px -12px -12px 12px;border-radius:20px;background:var(--brand);opacity:.16;z-index:-1}
.fig img{display:block;width:100%;height:auto;border-radius:20px;aspect-ratio:16/9;object-fit:cover}
.fig figcaption{font-size:13px;color:var(--muted);margin-top:22px}
/* Abschluss-CTA im Text */
.endcta{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--tint-2),var(--tint));border:1px solid var(--bd);border-radius:22px;padding:24px 20px;margin:34px 0 8px}
.endcta .ring{position:absolute;right:-50px;bottom:-60px;width:200px;height:200px;color:var(--brand);pointer-events:none}
.endcta>*{position:relative}
.endcta h2{margin:0 0 8px!important;font-size:22px!important}
.endcta p{margin:0 0 4px;font-size:15.5px}
.endcta ul{margin:12px 0 4px!important}
.endcta .btn{display:inline-flex;width:100%;text-decoration:none!important;color:#fff!important;margin-top:14px}
/* Blog-Liste */
.cats{display:flex;gap:8px;overflow-x:auto;padding:16px 0 2px;margin:0 -16px;padding-left:16px;padding-right:16px;scrollbar-width:none}
.cats::-webkit-scrollbar{display:none}
.cats a{flex:0 0 auto;border:1px solid var(--bd);background:#fff;border-radius:999px;padding:7px 14px;font-size:14px;font-weight:600;color:#3E4A57;white-space:nowrap}
.cats a.on,.cats a:hover{background:var(--brand);border-color:var(--brand);color:#fff}
.blist{display:grid;gap:14px}
.bi{display:grid;grid-template-columns:104px minmax(0,1fr);gap:12px 14px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px}
.bi .th{display:block;overflow:hidden;border-radius:12px;background:var(--tint)}
.bi .th img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;transition:transform .35s}
.bi:hover .th img{transform:scale(1.06)}
.bi .pd{margin:0 0 4px}
.bi h2{font-size:16px;line-height:1.35;margin:0;letter-spacing:-.01em}
.bi h2 a:hover{color:var(--brand)}
.bi .bx{grid-column:1/-1;margin:0;font-size:14.5px;line-height:1.6;color:#3B4553}
.bi .more{grid-column:1/-1}
.pag{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin:26px 0 0}
.pag a,.pag span{min-width:42px;height:42px;padding:0 12px;border-radius:12px;border:1px solid var(--bd);display:inline-flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;background:#fff}
.pag .on{background:var(--brand);border-color:var(--brand);color:#fff}
.pag span.gap{border:0;background:none;min-width:20px;padding:0}
.box{background:#fff;border:1px solid var(--bd);border-radius:18px;padding:18px}
.box h3{font-size:16px;margin:0 0 12px}
.srch{display:flex;border:1.5px solid var(--bd);border-radius:12px;overflow:hidden}
.srch input{flex:1;min-width:0;border:0;padding:12px 14px;font-size:15px;outline:0}
.srch button{border:0;background:var(--tint);color:var(--brand);padding:0 14px;cursor:pointer}
.clist{list-style:none;margin:0;padding:0;display:grid}
.clist a{display:flex;justify-content:space-between;padding:9px 2px;border-top:1px solid #EEF1F4;font-weight:500;font-size:15px}
.clist li:first-child a{border-top:0}
.clist a:hover{color:var(--brand)}
.clist small{color:var(--muted);font-weight:600}
/* verwandte Beiträge */
.rel{border-top:1px solid var(--line);padding:40px 0 64px;background:#FAFBFC}
.rel h2{font-size:24px;margin:0 0 18px;letter-spacing:-.02em}
/* Vergleichsseite */
.vh .wrap{padding-bottom:30px}
.vchk{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:9px}
.vchk li{display:flex;gap:10px;align-items:flex-start;font-size:15.5px;font-weight:600;line-height:1.4;color:#24303D}
.vchk .tick{flex:0 0 22px;height:22px;border-radius:50%;background:var(--ok);display:flex;align-items:center;justify-content:center;margin-top:-1px}
.vh .qf{margin-top:20px}
.vh h2.sub{font-size:17px;font-weight:600;color:#3E4A57;margin:10px 0 0;line-height:1.4}
.vh .vchk.dsk{display:none}
.feats.sub{padding:28px 0 4px}
.how.sub{background:var(--tint)}
.mainnav .dd.on>button{color:var(--brand);font-weight:700}
.side2 .qs{display:none}
.only-m{display:block}
.prev{position:fixed;left:50%;transform:translateX(-50%);top:auto;bottom:84px;z-index:60;display:flex;gap:6px;flex-wrap:wrap;justify-content:center;background:#1B2A3A;color:#fff;border-radius:14px;padding:8px;box-shadow:0 10px 30px rgba(0,0,0,.25);font-size:12.5px;max-width:calc(100% - 24px)}
.prev a,.prev button{color:#fff;border:1px solid rgba(255,255,255,.25);border-radius:9px;padding:6px 10px;font-weight:600;background:none;cursor:pointer;font-size:12.5px}
.prev a.on{background:#fff;color:#1B2A3A}
.prev .x{border:0;padding:6px 8px}
@media(min-width:700px){
 .vgrid{grid-template-columns:repeat(3,1fr)}
 .facts ul{grid-template-columns:1fr 1fr}
 .bi{grid-template-columns:220px minmax(0,1fr);padding:16px;gap:6px 22px}
 .bi .th{grid-row:1/4}
 .bi .bx,.bi .more{grid-column:2}
 .bi h2{font-size:19px}
 .endcta{padding:30px 32px}
 .endcta .btn{width:auto;padding:0 28px}
 .cats{margin:0;padding:18px 0 2px;flex-wrap:wrap;overflow:visible}
 .swipe{display:none}
}
@media(min-width:960px){
 .phd .wrap{padding-bottom:40px}
 .phd h1{font-size:40px;letter-spacing:-.035em}
 .phd .lead{font-size:18px}
 .phd .ring{width:420px;height:420px;right:-80px;top:-110px;opacity:.6}
 .bc{padding-top:20px}
 .lay{grid-template-columns:minmax(0,1fr) 360px;gap:56px;padding:44px 0 80px}
 .lay.l-toc{grid-template-columns:250px minmax(0,1fr);gap:56px}
 .side2 .stk{position:sticky;top:92px;display:grid;gap:18px}
 .art{font-size:17px}
 .art h2{font-size:28px}
 .tocb.inl{display:none}
 .tocs{display:block;position:sticky;top:92px;align-self:start}
 .tocs p{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
 .tocs ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--bd);display:grid}
 .tocs a{display:block;padding:7px 0 7px 16px;margin-left:-2px;border-left:2px solid transparent;font-size:14.5px;color:#4A5664;font-weight:500;line-height:1.35}
 .tocs a:hover{color:var(--brand)}.tocs a.on{border-left-color:var(--brand);color:var(--brand);font-weight:700}
 .tocs .btn{margin:18px 0 0;height:50px;font-size:16px!important;text-decoration:none;color:#fff!important;padding:0 16px!important;border-left:0!important;display:flex;font-weight:800}
 .side2 .qs{display:block}
 .only-m{display:none}
 .vh .vg{display:grid;grid-template-columns:minmax(0,1fr) 440px;gap:56px;align-items:start;padding-bottom:48px}
 .vh .qf{margin-top:24px}
 .vh .vchk.dsk{display:grid;margin-top:22px}
 .vh .vchk.mob{display:none}
 .vh h2.sub{font-size:20px}
 .blist{gap:16px}
 .rel{padding:56px 0 88px}
 .rel h2{font-size:30px}
 .prev{bottom:auto;top:90px;left:auto;right:16px;transform:none;flex-direction:column}
}

/* ===== Theme-Ergaenzungen ===== */
.ffehler{background:#FDF3F2;border:1px solid #F3C6C0;border-left:4px solid var(--err);border-radius:12px;padding:12px 14px;margin:12px 0 0;font-size:14.5px;color:#7A2A1D}
.dkalert{border-radius:14px;padding:14px 16px;margin:0 0 18px;font-size:15px;line-height:1.55;border:1px solid}
.dkalert.ok{background:#EEF8F1;border-color:#BFE3CB;color:#1D5B33}
.dkalert.err{background:#FDF3F2;border-color:#F3C6C0;color:#7A2A1D}
.dkalert strong{display:block}
.cobox.sent{opacity:.55;pointer-events:none}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.screen-reader-text{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(1px,1px,1px,1px)}
body.thanks .hd .mainnav,body.thanks .hd .cta,body.thanks .hd .burger{visibility:hidden}
body.thanks .sticky{display:none!important}
.marquee img{max-width:120px;object-fit:contain}
/* Blog & Inhaltsseiten */
.bi.nothumb{grid-template-columns:1fr}.bi.nothumb .bh,.bi.nothumb .bx,.bi.nothumb .more{grid-column:1!important}
.clist.recent a{flex-direction:column;gap:2px;font-size:14.5px;line-height:1.4}.clist.recent small{font-weight:500}
.clist a[aria-current]{color:var(--brand);font-weight:700}
.art img{max-width:100%;height:auto;border-radius:18px}
.art figure{margin:8px 12px 30px 0;position:relative;isolation:isolate;max-width:100%}
.art figure.wp-block-image::before,.art figure.wp-caption::before{content:"";position:absolute;inset:12px -12px -12px 12px;border-radius:20px;background:var(--brand);opacity:.16;z-index:-1}
.art figcaption{font-size:13px;color:var(--muted);margin-top:18px}
.art blockquote{margin:4px 0 22px;padding:16px 18px;background:var(--tint);border:1px solid var(--bd);border-left:4px solid var(--brand);border-radius:14px}
.art blockquote p:last-child{margin:0}
.art h2:first-child,.art .tocb+h2{margin-top:6px}
.tblw table{min-width:520px}.tblw th,.tblw td{vertical-align:top}
@media(max-width:699px){.art img[style*="float"]{float:none!important;width:100%!important;max-width:100%!important;min-width:0!important;margin:6px 0 22px!important}}
/* Kopfzeile: Hoehe bleibt beim Scrollen gleich (kein Springen), nur Schatten + kleineres Logo */
.hd.sm .wrap{height:62px}@media(min-width:960px){.hd.sm .wrap{height:76px}}
.hd{transition:box-shadow .2s}.hd.sm{box-shadow:0 6px 22px rgba(23,40,60,.08)}
/* Fuss: Logo und SSL-Hinweis untereinander statt ueberlappend */
.fbrand{display:flex;flex-direction:column;align-items:flex-start;min-width:0}
/* Seitentexte: Hinweisboxen, Stand-Zeile, Akkordeon mit Links */
.tip.warn{background:#FFF8EC;border-color:#F6D9A8;border-left-color:#C77700}.tip.warn b{color:#8A5300}.tip.warn .ti{color:#C77700}
.tip ul{margin:8px 0 0!important}.tip p+p{margin-top:8px}
.stand{font-size:13px;color:var(--muted);margin:26px 0 0;padding-top:14px;border-top:1px solid var(--bd)}
.acc details>div{padding:0 18px 18px;font-size:15px;line-height:1.7;color:#3B3752}.acc details>div p{padding:0;margin:0 0 8px}
.acc details p a,.acc details div a{color:var(--brand);font-weight:600}
.art .acc{margin:0 0 26px}
/* ===== Haekchen ueberall gleich (gruener Kreis mit hellem Schatten) + Aufzaehlungen Variante C ===== */
.tick,.dl .ck{flex:0 0 22px!important;width:22px!important;height:22px!important;border-radius:50%;background:var(--ok)!important;color:#fff;display:flex;align-items:center;justify-content:center;margin-top:0!important;box-shadow:0 0 0 4px rgba(18,161,80,.12)}
.tick svg,.dl .ck svg{width:12px;height:12px}
.cmpcol li>svg,.cobl li>svg{box-sizing:border-box;flex:0 0 22px!important;width:22px!important;height:22px!important;padding:5px;border-radius:50%;background:var(--ok);color:#fff!important;stroke:#fff;stroke-width:3.4;box-shadow:0 0 0 4px rgba(18,161,80,.12);margin-top:0!important}
.cobl li>svg circle{display:none}.cmpcol li{gap:10px}
.checks,.vchk{gap:0!important}
.checks li,.vchk li{align-items:flex-start;padding:9px 0;border-bottom:1px dashed color-mix(in srgb,var(--brand) 22%,transparent);font-weight:500!important;color:#3B4654}
.checks li:last-child,.vchk li:last-child{border-bottom:0}
.checks li b,.vchk li b{color:var(--brand);font-weight:800}
.checks li .tick,.vchk li .tick{margin-top:0!important}
/* ===== Vertrauensleiste unter dem Formular (Siegel-Band) ===== */
[data-theme=schiefer]{--sea:#1F7A8C}
.trust{background:linear-gradient(120deg,color-mix(in srgb,var(--brand) 72%,#000) 0%,var(--brand) 55%,color-mix(in srgb,var(--brand) 80%,var(--sea,#4a8)) 100%);color:#fff;padding:26px 0;position:relative;overflow:hidden;z-index:1}
.trust:before{content:"";position:absolute;right:-60px;top:-80px;width:260px;height:260px;border-radius:50%;border:34px solid rgba(255,255,255,.05)}
.trust ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:16px;position:relative}
.trust li{display:flex;align-items:flex-start;gap:12px;min-width:0}.trust li>span:last-child{min-width:0}
.trust .md{flex:0 0 44px;height:44px;border-radius:50%;background:linear-gradient(145deg,#F7A247,#D96300);display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 5px rgba(255,255,255,.10),0 10px 22px rgba(0,0,0,.25);color:#fff}
.trust .md svg{width:22px;height:22px}
.trust b{display:block;font-size:16px;letter-spacing:-.01em;line-height:1.25;margin:2px 0 3px}.trust small{display:block;font-size:13px;line-height:1.45;color:rgba(255,255,255,.80)}
@media(min-width:600px){.trust ul{grid-template-columns:1fr 1fr;gap:20px 18px}}
@media(min-width:960px){.trust{padding:76px 0 34px;margin-top:-46px}.hero .qf,.hero .wzhost{position:relative;z-index:3}.trust ul{grid-template-columns:repeat(4,1fr);gap:24px}.trust li+li{border-left:1px solid rgba(255,255,255,.14);padding-left:24px}.trust b{font-size:18px}.trust .md{flex-basis:52px;height:52px}.trust .md svg{width:25px;height:25px}}
/* ===== Mehr Farbe (Stufe "kräftig", Fm 26.10.2026) ===== */
.kicker{color:#D96300}
.ki{background:linear-gradient(145deg,color-mix(in srgb,var(--brand) 78%,#fff),var(--brand))!important;color:#fff!important;box-shadow:0 8px 18px color-mix(in srgb,var(--brand) 25%,transparent)!important}
.dgrid li:hover{border-color:#F3C9A2}
.sn{background:linear-gradient(145deg,#F59A3C,#D96300);-webkit-background-clip:text;background-clip:text;color:transparent!important;opacity:1!important}
.faq{background:linear-gradient(180deg,color-mix(in srgb,var(--brand) 8%,#fff),#fff)}
.acc .pm{background:#FFEBDA!important;color:#D96300!important}
.hchecks .tick{box-shadow:0 0 0 4px rgba(18,161,80,.12)}
.hero{background:linear-gradient(180deg,color-mix(in srgb,var(--brand) 13%,#fff) 0%,color-mix(in srgb,var(--sea,var(--brand)) 9%,#fff) 78%,#fff 78%)}
.hero h1 span{background:linear-gradient(90deg,var(--brand),var(--sea,var(--brand)));-webkit-background-clip:text;background-clip:text;color:transparent}
.dgrid li:nth-child(4n+1) .dic{background:color-mix(in srgb,var(--brand) 12%,#fff);color:var(--brand)}
.dgrid li:nth-child(4n+2) .dic{background:color-mix(in srgb,var(--sea,var(--brand)) 13%,#fff);color:var(--sea,var(--brand))}
.dgrid li:nth-child(4n+3) .dic{background:#FFEBDD;color:#D96300}.dgrid li:nth-child(4n+4) .dic{background:#E3F4EA;color:#12A150}
.kc{border-top:4px solid var(--brand)!important}.kc:nth-child(3n+2){border-top-color:var(--sea,var(--brand))!important}.kc:nth-child(3n+3){border-top-color:#E8730C!important}
.how{background:linear-gradient(130deg,color-mix(in srgb,var(--brand) 72%,#000),var(--brand) 60%,color-mix(in srgb,var(--brand) 70%,var(--sea,var(--brand))))!important}
.how h2,.how .hhead h2{color:#fff}.how .kicker{color:#FFB86E}
.how .steps li{background:#fff;border-color:transparent;box-shadow:0 14px 30px rgba(0,0,0,.18)}
.dis{background:linear-gradient(180deg,#fff,color-mix(in srgb,var(--sea,var(--brand)) 6%,#fff))}
/* Platz unter der Fusszeile fuer den mittigen Sticky-Button (Desktop) */
@media(min-width:960px){.ft{padding-bottom:96px}.trust.flat{margin-top:0;padding-top:34px}}
/* Vergleichsseite: 3 Schritte hell, damit nicht zwei dunkle Baender aufeinanderfolgen */
.how.sub{background:linear-gradient(180deg,#fff,color-mix(in srgb,var(--brand) 6%,#fff))!important}.how.sub h2,.how.sub .hhead h2{color:var(--ink)}.how.sub .kicker{color:#D96300}.how.sub .steps li{background:#fff;border:1px solid var(--bd);box-shadow:0 10px 26px rgba(23,40,60,.07)}
/* Sticky-Button: am Desktop unten mittig */
@media(min-width:960px){.sticky{left:50%!important;right:auto!important;bottom:24px!important;transform:translate(-50%,160%)!important}.sticky.show{transform:translate(-50%,0)!important}}
/* Inhaltsverzeichnis-Button wie alle CTAs orange */
.toc .tocbtn{background:linear-gradient(180deg,var(--cta-a),var(--cta-b))!important;color:#fff!important;box-shadow:0 8px 20px rgba(217,99,0,.28)}
/* Startseite: breite Infokarte ueber die volle Zeile */
@media(min-width:960px){.kc.wide{grid-column:1/-1!important}.kc.wide ul{display:grid;grid-template-columns:1fr 1fr;gap:10px 28px}}
/* Blog-Artikel wie auf den Live-Seiten: Bilder volle Spaltenbreite, abgerundet, versetzte Flaeche in Portalfarbe */
body.single .art img:not(.emoji):not(.avatar){float:none!important;display:block;width:calc(100% - 10px)!important;max-width:calc(100% - 10px)!important;height:auto!important;margin:16px 0 26px!important;border-radius:14px!important;box-shadow:10px 10px 0 0 color-mix(in srgb,var(--brand) 22%,#fff),0 4px 14px rgba(0,0,0,.10)!important}
body.single .art figure{margin:16px 0 26px!important;max-width:100%}body.single .art figure img{margin:0!important}
body.single .art figure::before{display:none!important}
body.single .art figure figcaption{margin-top:16px}
body.single .art table img{width:auto!important;box-shadow:none!important;margin:0!important;border-radius:0!important}
/* Hinweis-Boxen (.note-box) und Tabellen in Portalfarbe */
.art .note-box{background:var(--tint)!important;border:0!important;border-left:5px solid var(--brand)!important;border-radius:10px!important;padding:16px 18px!important;margin:22px 0!important;color:var(--ink)}
.art .note-box strong{color:var(--brand)!important}.art .note-box p:last-child,.art .note-box ul:last-child{margin-bottom:0}
.tblw tr:nth-child(even) td{background:var(--tint)}
h1,h2,h3{overflow-wrap:break-word}.art{overflow-wrap:break-word}.art a{overflow-wrap:anywhere}.facts b{overflow-wrap:break-word}
.tblw table.txt td:last-child,.tblw table.txt th:last-child{text-align:left;white-space:normal}.tblw table.txt td:first-child{min-width:130px}
.admin-bar .hd{top:32px}@media(max-width:782px){.admin-bar .hd{top:46px}}@media(max-width:600px){.admin-bar .hd{top:0}}

/* ===== Formular direkt auf der Seite (kein Pop-up) ===== */
.wzhost{margin-top:18px;scroll-margin-top:90px}.wzhost[hidden],.qf[hidden]{display:none!important}
.wzhost .wzp{max-width:760px;margin:0 auto;border:1px solid var(--bd);border-radius:20px;box-shadow:0 14px 40px rgba(23,19,43,.12);max-height:none!important;overflow:hidden;animation:none}
.wzhost .wzh{display:none}
.wzhost .wzf{overflow:visible;flex:none}
.side2 .wzhost .wzp{max-width:none}

/* v0.4 */
.pic picture{display:block}
.wzeta{display:flex;align-items:center;justify-content:flex-end;gap:5px;margin:7px 0 0;font-size:12px;font-weight:600;color:var(--muted)}.wzeta svg{color:var(--brand)}
.wzhost .wzp{overflow:clip}
.wzinline .phd{overflow:clip}
@media(max-width:959px){.wzhost .wzfoot{position:sticky;bottom:0;z-index:4;box-shadow:0 -10px 24px rgba(23,40,60,.08)}}
.prose.clp .rmore{display:none}
.prose.clp>p:last-of-type{position:relative}
.rbtn{display:inline-flex;align-items:center;gap:6px;margin:2px 0 6px;padding:10px 18px;border-radius:999px;border:1px solid color-mix(in srgb,var(--brand) 30%,#fff);background:color-mix(in srgb,var(--brand) 7%,#fff);color:var(--brand);font:inherit;font-size:15px;font-weight:700;cursor:pointer;transition:background .2s}
.rbtn:hover{background:color-mix(in srgb,var(--brand) 13%,#fff)}.rbtn svg{transition:transform .25s}
.prose:not(.clp) .rbtn{display:none}
.vhead{display:flex;align-items:center;gap:14px;margin-top:14px}.vhead h1{margin:0!important}
.vlogo{flex:0 0 96px;width:96px;height:46px;box-sizing:border-box;display:flex;align-items:center;justify-content:center;background:#fff;border:1px solid var(--bd);border-radius:12px;padding:6px 9px;box-shadow:0 6px 18px rgba(23,40,60,.06)}
.vlogo img{display:block;width:100%;height:100%;max-width:none;object-fit:contain}
@media(min-width:960px){.vhead{gap:20px}.vlogo{flex-basis:140px;width:140px;height:60px;border-radius:14px;padding:8px 14px}}
.rv{opacity:0;transform:translateY(40px);transition:opacity 1.1s ease,transform 1.1s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}}

.tarife{padding:44px 0;background:linear-gradient(180deg,#fff,color-mix(in srgb,var(--brand) 5%,#fff))}
.thead{max-width:760px;margin-bottom:22px}.thead h2{font-size:26px;line-height:1.15;margin:0 0 8px;letter-spacing:-.02em}.thead p{margin:0;color:var(--muted);font-size:15.5px;line-height:1.6}
.tgrid{display:grid;grid-auto-flow:column;grid-auto-columns:82%;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 2px 14px;margin:0 -2px;-webkit-overflow-scrolling:touch}
.tcard{scroll-snap-align:start;background:#fff;border:1px solid var(--bd);border-radius:20px;padding:18px;display:flex;flex-direction:column;box-shadow:0 12px 30px rgba(23,40,60,.07);position:relative;overflow:hidden}
.tcard:before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--brand),var(--sea,var(--brand)))}
.tlogo{height:52px;display:flex;align-items:center;margin:4px 0 10px}.tlogo img{max-height:42px;max-width:150px;width:auto;height:auto;object-fit:contain}
.tcard h3{font-size:18px;margin:0 0 12px;line-height:1.2}.tcard h3 small{display:block;font-size:13px;font-weight:600;color:var(--muted);margin-top:3px}
.tcard dl{margin:0 0 16px;display:grid;gap:0;flex:1}.tcard dl div{padding:9px 0;border-top:1px dashed color-mix(in srgb,var(--brand) 22%,transparent)}
.tcard dt{font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.tcard dd{margin:2px 0 0;font-size:15px;font-weight:600;color:var(--ink);line-height:1.4}
.tnote{font-size:12.5px;color:var(--muted);margin:8px 0 0}
@media(min-width:960px){.tarife{padding:72px 0}.thead h2{font-size:32px}.tgrid{grid-auto-flow:row;grid-template-columns:repeat(4,1fr);overflow:visible;gap:18px;padding:6px 0 4px}.tcard{padding:22px}.tcard:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(23,40,60,.12)}.tcard{transition:.2s}}
.tcard h3 a{color:inherit;text-decoration:none}.tcard h3 a:hover{color:var(--brand);text-decoration:underline;text-underline-offset:3px}.tcard dl{margin-bottom:0}.tlogo:empty{display:none}

.ecta{position:relative;display:grid;border-radius:22px;margin:34px 0 8px;background:linear-gradient(135deg,color-mix(in srgb,var(--brand) 9%,#fff),color-mix(in srgb,var(--sea,var(--brand)) 7%,#fff));border:1px solid var(--bd)}
.ecta .ecl{padding:24px 20px 6px}.ecta .eck{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#D96300;margin-bottom:6px}
.ecta h2{font-size:22px!important;line-height:1.2!important;margin:0 0 8px!important;letter-spacing:-.02em;padding:0!important;border:0!important}
.ecta .ecv{margin:10px 0 0}.ecta .ecv>div{display:flex;gap:10px;align-items:flex-start;padding:7px 0;font-size:15px;line-height:1.45;color:#3B4654}.ecta .ecv b{color:var(--brand);font-weight:800}
.ecta .tick{flex:0 0 22px;height:22px;border-radius:50%;background:var(--ok);display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 4px rgba(18,161,80,.12)}
.ecta .ecr{background:#fff;margin:12px;border-radius:16px;padding:18px;box-shadow:0 10px 26px rgba(23,40,60,.08)}
.ecta .ecst{display:grid;gap:10px}.ecta .ecst>div{display:flex;align-items:center;gap:10px;font-weight:700;font-size:15px;color:var(--ink)}
.ecta .ecst i{font-style:normal;flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800}
.ecta .btn{display:inline-flex;width:100%;margin-top:16px;text-decoration:none!important;color:#fff!important;white-space:nowrap}
@media(min-width:700px){.ecta{grid-template-columns:1.25fr 1fr;align-items:center}.ecta .ecl{padding:28px 10px 28px 30px}.ecta .ecr{margin:18px}}
.side2 .ecta,.only-m .ecta{grid-template-columns:1fr}

.phd{background:linear-gradient(160deg,color-mix(in srgb,var(--brand) 14%,#fff) 0%,color-mix(in srgb,var(--sea,var(--brand)) 10%,#fff) 70%,#fff 100%);border-bottom:0}
.phd .ring{color:var(--sea,var(--brand));opacity:.5}
.phd .lead{color:#2F3B48}
.hchips{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}.hchips span{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--bd);border-radius:999px;padding:7px 13px 7px 8px;font-size:13.5px;font-weight:700;color:var(--ink);box-shadow:0 4px 12px rgba(23,40,60,.05)}
.hchips i{flex:0 0 20px;width:20px;height:20px;border-radius:50%;background:var(--ok);display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 3px rgba(18,161,80,.12)}
.wzsafe{font-size:14px;font-weight:600;color:var(--ok);gap:7px}.wzsafe svg{width:18px;height:18px}
.prose ul:not([class]){list-style:none;padding:0;margin:6px 0 20px;display:grid;gap:12px}
.prose ul:not([class]) li{position:relative;padding-left:26px;font-size:16px;line-height:1.65;color:#2F2B44}
.prose ul:not([class]) li:before{content:"";position:absolute;left:4px;top:.66em;width:8px;height:8px;border-radius:50%;background:var(--brand);opacity:.85}
@media(min-width:960px){.prose ul:not([class]) li{font-size:17px}}
.art ul{gap:12px}.art ul li{line-height:1.65}.art ol{gap:12px}
@media(min-width:960px){.marquee.few{justify-content:center;-webkit-mask:none;mask:none}.marquee.few ul{animation:none;gap:48px}.marquee.few ul[aria-hidden]{display:none}}
.home.wzinline .tarife ~ section,.home.wzinline .tarife ~ .only-m,.wzinline main.sp > .how.sub ~ *{display:none!important}

.vh .wrap{z-index:3}
@media(min-width:960px){.vh .vg{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:56px;align-items:center;padding-bottom:0}.vh .vgl .vchk.dsk{margin-top:0}.vh .wrap{padding-bottom:0}.vh .qf{margin-top:34px}}
.facts b{font-weight:500;color:#2F3B48}
.side2 .stk{top:100px}.admin-bar .side2 .stk{top:132px}
.vsx{margin:18px 0 30px;border:1px solid var(--bd);border-radius:20px;overflow:hidden;background:#fff;box-shadow:0 16px 40px rgba(23,40,60,.08)}
.vsx-h{display:grid;grid-template-columns:1fr 1fr;gap:0}.vsx-h>span{display:none}
.vsx-h>div{padding:16px 14px;display:flex;flex-direction:column;align-items:flex-start;gap:4px}
.vsx-h .vsx-dd{background:linear-gradient(135deg,var(--brand),color-mix(in srgb,var(--sea,var(--brand)) 80%,#000));color:#fff}
.vsx-h .vsx-bu{background:color-mix(in srgb,var(--brand) 8%,#fff);color:var(--ink)}
.vsx-h b{font-size:15.5px;line-height:1.25}.vsx-h small{font-size:13px;opacity:.85}
.vsx-i{width:38px;height:38px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:4px}
.vsx-dd .vsx-i{background:rgba(255,255,255,.16);color:#FFB46B}.vsx-bu .vsx-i{background:#fff;color:var(--brand);border:1px solid var(--bd)}
.vsx-r{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--bd)}
.vsx-k{grid-column:1/-1;display:flex;align-items:center;gap:9px;padding:12px 14px 4px;font-weight:800;font-size:14px;color:var(--brand);text-transform:none}
.vsx-k svg{flex:0 0 auto;color:#D96300}
.vsx-r>.vsx-dd,.vsx-r>.vsx-bu{padding:4px 14px 14px;font-size:14.5px;line-height:1.55;color:#2F3B48}
.vsx-r>.vsx-dd{background:color-mix(in srgb,var(--brand) 4%,#fff)}
.vsx-r>.vsx-bu{border-left:1px dashed var(--bd)}
.vsx b{color:var(--ink)}.vsx-h .vsx-dd b{color:#fff}.vsx a{font-weight:600}
.vsx-f{display:flex;gap:12px;align-items:flex-start;padding:16px 16px;background:color-mix(in srgb,var(--ok) 9%,#fff);border-top:1px solid var(--bd)}
.vsx-f svg{flex:0 0 auto;color:var(--ok);margin-top:3px}.vsx-f p{margin:0!important;font-size:15px;line-height:1.6}
@media(min-width:700px){.vsx-h>div{padding:20px 22px}.vsx-h b{font-size:18px}.vsx-k{padding:16px 22px 4px;font-size:15px}.vsx-r>.vsx-dd,.vsx-r>.vsx-bu{padding:6px 22px 18px;font-size:15.5px}.vsx-f{padding:18px 22px}}

.scalc{margin:22px 0 28px;border:1px solid var(--bd);border-radius:20px;background:#fff;box-shadow:0 16px 40px rgba(23,40,60,.08);overflow:hidden;text-align:left}
.scalc-h{display:flex;align-items:center;gap:12px;padding:16px 18px;background:linear-gradient(135deg,var(--brand),color-mix(in srgb,var(--sea,var(--brand)) 80%,#000));color:#fff}
.scalc-h b{display:block;font-size:17px;color:#fff;line-height:1.25}.scalc-h small{display:block;font-size:13.5px;color:rgba(255,255,255,.85);line-height:1.4;margin-top:2px}
.scalc-i{flex:0 0 42px;height:42px;border-radius:12px;background:rgba(255,255,255,.15);color:#FFB46B;display:flex;align-items:center;justify-content:center}
.scalc-b{display:grid;gap:0}
.scalc-f{padding:16px 18px;display:grid;gap:14px}
.scalc-l{display:block;font-size:14px;font-weight:700;color:var(--ink);margin:0}.scalc-l>span:first-child{display:block}
.scalc .inp{display:flex;align-items:center;margin-top:6px;border:1px solid var(--bd);border-radius:12px;background:#fff;overflow:hidden}
.scalc .inp input{flex:1;min-width:0;border:0;padding:12px 14px;font:inherit;font-size:16px;font-weight:700;color:var(--ink);background:transparent;outline:0}
.scalc .inp>span{padding:0 14px;color:var(--muted);font-weight:700}
.scalc .inp:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px color-mix(in srgb,var(--brand) 18%,transparent)}
.scalc-ch{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:6px}
.scalc-ch button{height:44px;border:1px solid var(--bd);border-radius:10px;background:#fff;font:inherit;font-size:14px;font-weight:700;color:var(--ink);cursor:pointer;padding:0 4px}
.scalc-ch button.on{border:2px solid var(--brand);background:color-mix(in srgb,var(--brand) 8%,#fff)}
.scalc-r{padding:16px 18px 18px;background:color-mix(in srgb,var(--brand) 5%,#fff);border-top:1px solid var(--bd)}
.scalc-lines{list-style:none!important;margin:0 0 10px!important;padding:0!important;display:grid!important;gap:6px!important}
.scalc-lines li{display:flex;justify-content:space-between;gap:12px;font-size:14px;color:#3B4654;padding:0!important;line-height:1.4}
.scalc-lines li:before{display:none!important}.scalc-lines b{white-space:nowrap;color:var(--ink)}
.scalc-sum{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:12px 0;border-top:2px solid color-mix(in srgb,var(--brand) 25%,transparent)}
.scalc-sum small{font-size:14px;font-weight:700;color:var(--ink)}.scalc-sum b{font-size:26px;letter-spacing:-.02em;color:var(--brand);white-space:nowrap}
.scalc-btn{display:inline-flex;width:100%;margin-top:8px;text-decoration:none!important;color:#fff!important}
.scalc-n{font-size:12.5px!important;line-height:1.5!important;color:var(--muted)!important;margin:10px 0 0!important}
@media(min-width:760px){.scalc-h{padding:18px 22px}.scalc-f,.scalc-r{padding:20px 22px}}
.side2 .scalc-b,.only-m .scalc-b{grid-template-columns:1fr}
.dknext{margin:26px 0 8px;padding:20px;border:1px solid var(--bd);border-radius:18px;background:#fff}
.dknext h2{font-size:20px;margin:0 0 14px}.dknext ol{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.dknext li{display:flex;gap:12px;align-items:flex-start}.dknext .n{flex:0 0 30px;height:30px;border-radius:50%;background:var(--tint-2,#E8EEF3);color:var(--brand);font-weight:800;display:flex;align-items:center;justify-content:center}
.dknext li.done .n{background:var(--ok);color:#fff}.dknext b{display:block;font-size:15.5px}.dknext p{margin:2px 0 0;font-size:14.5px;color:#3B4654;line-height:1.5}
@media(min-width:760px){.dknext ol{grid-template-columns:repeat(3,1fr)}}
.dktips{padding:34px 0 46px}.dktips h2{font-size:20px;margin:0 0 14px}
.dktg,.e404l{display:grid;gap:12px}.dktg a,.e404l a{display:block;padding:16px 18px;border:1px solid var(--bd);border-radius:16px;background:#fff;text-decoration:none;color:var(--ink);box-shadow:0 8px 22px rgba(23,40,60,.05);transition:.2s}
.dktg a:hover,.e404l a:hover{border-color:var(--brand);transform:translateY(-2px)}.dktg b,.e404l b{display:block;font-size:15.5px;color:var(--brand)}.dktg span,.e404l span{display:block;font-size:14px;color:var(--muted);margin-top:2px}
@media(min-width:760px){.dktg{grid-template-columns:repeat(3,1fr)}.e404l{grid-template-columns:1fr 1fr;align-content:start}}
.e404 .lay{padding:30px 0 60px}
/* Fm 26.10.: Ueberschrift Vergleich so gross wie Startseite */
.vh h1{font-size:30px;line-height:1.06;letter-spacing:-.035em}
@media(min-width:960px){.vh h1{font-size:42px}}@media(min-width:1200px){.vh h1{font-size:46px}}@media(max-width:359px){.vh h1{font-size:27px}}
/* Fm 26.10.: Header-Aufzaehlungen ohne Strichlinien */
.checks li,.vchk li{border-bottom:0!important;padding:6px 0!important}
/* Abschluss-Box mobil ohne inneren Kasten (Fm 26.10.) */
@media(max-width:699px){.ecta{margin-bottom:18px}.ecta .ecl{padding:22px 18px 12px}.ecta .ecr{background:transparent;box-shadow:none;border-radius:0;margin:0 18px;padding:14px 0 20px;border-top:1px dashed color-mix(in srgb,var(--brand) 25%,transparent)}.ecta .ecst{gap:8px}.ecta .ecst>div{font-size:14.5px}.ecta .ecst i{flex-basis:24px;width:24px;height:24px;font-size:12px}}
/* FAQ: Pfeil statt Plus/Kreuz (Fm 26.10.) */
.acc .pm>*{display:none!important}.acc .pm{font-size:0}.acc .pm:before{content:"";width:9px;height:9px;border-right:2.6px solid currentColor;border-bottom:2.6px solid currentColor;transform:translateY(-2px) rotate(45deg);border-radius:1px}
.acc details[open] .pm{transform:rotate(180deg)}
.acc summary:hover .pm{background:#FFDCC0!important}
.sp-sw{justify-content:center;margin:8px 0 18px!important;font-weight:600;color:var(--brand)!important;transition:opacity .4s}.sp-sw svg{animation:spsw 1.6s ease-in-out infinite}.sp-sw.seen{opacity:.45}.sp-sw.seen svg{animation:none}
@keyframes spsw{0%,100%{transform:translateX(-4px)}50%{transform:translateX(4px)}}
.tgrid{scrollbar-width:none}.tgrid::-webkit-scrollbar{display:none}
@media(min-width:960px){.sp-sw{display:none!important}}
.sp-sw[hidden]{display:none!important}
/* Fm 26.10.: Aufzaehlung mobil UEBER dem Formular (Startseite + Vergleich) */
@media(max-width:959px){.hero .hchecks{display:grid!important;margin-top:14px}.mchecks{display:none!important}.vh .vchk.dsk{display:grid!important;margin-top:16px}.vh .vchk.mob{display:none!important}.vh .vg{padding-bottom:0}}
.vh h1 span{background:linear-gradient(90deg,var(--brand),var(--sea,var(--brand)));-webkit-background-clip:text;background-clip:text;color:transparent}
.vh h2.sub{font-weight:500;line-height:1.5}
.wzinline .how.sub .hcta{display:none}.e404n{display:inline-block;font-size:13px;font-weight:800;letter-spacing:.12em;color:#D96300;margin-top:14px}
/* Fm 26.10.: Navigation mit Hover */
@media(min-width:960px){.hd nav{gap:4px}.hd nav>a,.mainnav .dd>button{position:relative;padding:8px 11px;border-radius:10px;transition:background-color .2s,color .2s}
.hd nav>a:hover,.mainnav .dd:hover>button,.mainnav .dd:focus-within>button{background:var(--tint);color:var(--brand)}
.hd nav>a.on:after,.mainnav .dd.on>button:after{content:"";position:absolute;left:11px;right:11px;bottom:3px;height:2px;border-radius:2px;background:var(--brand)}
.mainnav .ddm{left:0;top:calc(100% + 8px)}.mainnav .ddm:before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}}
@media(min-width:960px) and (max-width:1199px){.hd nav{gap:2px}.hd nav>a,.mainnav .dd>button{padding:7px 7px}.hd nav>a.on:after,.mainnav .dd.on>button:after{left:7px;right:7px}}
/* Fm 26.10.: Liste rechts optisch mittig zu Ueberschrift + Text (ohne Plakette) */
@media(min-width:960px){.vh .vgl{padding-top:53px}}
/* Fm 26.10.: h1-Zusatz mobil kuerzer (Begriff steht schon in der Plakette darueber) */
@media(max-width:599px){.hero h1 small{font-size:14px}.hero h1 small .dsk-o{display:none}}
/* Fm 26.10.: Versicherername mittig zum Logo (alter margin-top der Logo-Box entfernt) */
.vhead .vlogo{margin:0}
/* Fm 27.10.: Fusszeile am Desktop ohne Platz fuer die mobile Leiste */
@media(min-width:960px){.ft{padding-bottom:40px}}
/* Fm 27.10.: Dialog-Schriftzug im Partnerband etwas kleiner (ohne Bildzeichen wirkt er sonst groesser) */
.marquee img[alt="Dialog"],.partners img[alt="Dialog"]{transform:scale(.78)}
/* Fm 26.10.: Erstinformation als PDF */
.pdfdl{display:flex;align-items:center;gap:14px;max-width:520px;margin:0 0 26px;padding:14px 18px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 4px 14px rgba(23,19,43,.05);color:var(--ink,#1B2A3A);text-decoration:none!important;transition:border-color .2s,box-shadow .2s}
.pdfdl:hover{border-color:var(--brand);box-shadow:0 8px 22px rgba(23,19,43,.09)}
.pdfdl .pdfic{flex:0 0 42px;height:48px;border-radius:7px;background:#C8102E;color:#fff;font-size:11px;font-weight:800;letter-spacing:.06em;display:flex;align-items:flex-end;justify-content:center;padding-bottom:8px}
.pdfdl b{display:block;font-size:15px;line-height:1.3}.pdfdl small{display:block;font-size:13px;color:var(--muted);margin-top:2px}
.pdfdl>span:nth-child(2){flex:1}.pdfdl svg{flex:0 0 20px;color:var(--brand)}
/* Fm 26.10.: Rechtsseiten ohne Formular-Box rechts */
@media(min-width:960px){.lay.lay-legal{grid-template-columns:minmax(0,820px)}}

/* ===== v0.9 Paket A (Fm 27.10.2026) ===== */
/* A1: lange Woerter nur dort trennen, wo sie nicht in die Zeile passen (Klasse .hy per JS) */
.hy{-webkit-hyphens:auto;hyphens:auto;hyphenate-limit-chars:10 4 4}
/* A2: Tabellen auf dem Handy als Karten (Beschriftung data-l kommt fertig aus dem HTML, kein Umspringen) */
@media(max-width:699px){
.tblw:has(>table.mtab){overflow:visible;border:0;border-radius:0;margin-bottom:18px}
.tblw:has(>table.mtab)+.sp-sw{display:none!important}
.art table.mtab{display:block;min-width:0!important;width:100%;margin:0 0 18px!important;padding:0!important;border:0!important;box-shadow:none!important;background:none!important}
table.mtab thead,table.mtab tr.thr{display:none}
table.mtab:before,table.mtab:after{display:none!important}
table.mtab tbody{display:grid;grid-template-columns:minmax(0,1fr);gap:10px}
table.mtab tr{display:block;min-width:0;background:#fff!important;border:1px solid var(--bd);border-radius:14px;padding:12px 14px 8px;box-shadow:0 4px 14px rgba(23,40,60,.05)}
table.mtab td{display:grid;grid-template-columns:minmax(92px,36%) minmax(0,1fr);gap:12px;align-items:start;min-width:0;overflow-wrap:anywhere;padding:8px 0!important;border:0!important;border-top:1px solid var(--bd)!important;background:none!important;font-size:15px;line-height:1.45}
table.mtab td:before{content:attr(data-l);font-size:12.5px;font-weight:700;color:var(--muted);line-height:1.5}
table.mtab td:first-child{display:block;border-top:0!important;padding:0 0 8px!important;font-weight:800;font-size:16.5px;color:var(--brand)}
table.mtab td:first-child:before{content:none}
table.mtab td:first-child a{color:var(--brand)}
}
/* A3: Vorschautexte auf 3 Zeilen */
.bi .bx,.news .post .pb>p:not(.pd),.rel .post .pb>p:not(.pd){display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
/* A4: Suche ohne Treffer */
.noresult{background:var(--tint);border-radius:14px;padding:18px 20px}.noresult p{margin:0 0 8px}.noresult ul{margin:0;padding-left:18px}.noresult li{margin:4px 0}.noresult a{color:var(--brand);font-weight:600;text-decoration:underline}
/* A5: orange Kleinschrift mit ausreichendem Kontrast (Buttons bleiben unveraendert) */
.kicker,.how.sub .kicker,.ecta .eck,.e404n{color:#B04F00}

/* ===== Paket B (Fm 27.10.2026) ===== */
/* B1: Aufzaehlungen im Markenstil (Raute in Portalfarbe) */
/* nur echte Textlisten – nicht Faktenkasten, Kacheln usw. */
.art>ul:not([class]),.art>.lx>ul:not([class]),.art details ul:not([class]){list-style:none;padding-left:0}
.art>ul:not([class])>li,.art>.lx>ul:not([class])>li,.art details ul:not([class])>li{position:relative;padding-left:28px;margin:10px 0}
.art>ul:not([class])>li:before,.art>.lx>ul:not([class])>li:before,.art details ul:not([class])>li:before{content:"";position:absolute;left:5px;top:.62em;width:8px;height:8px;border-radius:2px;background:var(--brand);transform:rotate(45deg);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 14%,transparent)}
/* B2: Passende Fragen als Karten */
.art .rq{display:grid;gap:10px;margin:6px 0 0}
.art .rqc{display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff;border:1px solid var(--bd);border-radius:14px;padding:14px 16px;font-weight:700;font-size:15.5px;line-height:1.35;color:var(--ink);box-shadow:0 4px 12px rgba(23,40,60,.05);text-decoration:none!important;transition:border-color .2s,transform .2s}
.art .rqc svg{flex:0 0 auto;color:var(--brand)}.art .rqc:hover{border-color:var(--brand);transform:translateY(-1px)}
.art .rqmore{display:flex;flex-wrap:wrap;gap:8px 22px;margin:14px 0 0}
.art .rqall{display:inline-flex;gap:8px;align-items:center;font-weight:700;color:var(--brand);text-decoration:none!important}
@media(min-width:700px){.art .rq{grid-template-columns:1fr 1fr}}
/* B3: Lesefortschritt in Blogartikeln */
.rpb{position:absolute;left:0;right:0;bottom:-1px;height:3px;pointer-events:none}
.rpb i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--brand),var(--sea,#5FA3C9));border-radius:0 3px 3px 0}
/* B4: Startseite auf dem Handy kuerzer */
.kmx,.kdots{display:none}
@media(max-width:699px){
.kurz .kgrid.sw{display:flex;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;margin:0 -16px;padding:4px 16px 14px;scrollbar-width:none;align-items:flex-start}
.kurz .kgrid.sw::-webkit-scrollbar{display:none}
.kurz .kgrid.sw .kc{flex:0 0 84%;scroll-snap-align:center;margin:0!important}
.kurz .kgrid.sw .kc:not(.open)>p:first-of-type{max-height:9.6em;overflow:hidden;-webkit-mask-image:linear-gradient(#000 55%,transparent);mask-image:linear-gradient(#000 55%,transparent)}
.kurz .kgrid.sw .kc:not(.open)>p:not(:first-of-type),.kurz .kgrid.sw .kc:not(.open)>ul,.kurz .kgrid.sw .kc:not(.open)>.chips{display:none}
.kurz .kgrid.sw .kmx{display:inline-flex;margin-top:10px;background:none;border:0;padding:0;font:inherit;font-weight:700;color:var(--brand);cursor:pointer}
.kurz .kdots{display:flex;justify-content:center;gap:6px;margin:0 0 6px}
.kurz .kdots i{width:7px;height:7px;border-radius:9px;background:#C9D2DC;transition:width .2s,background .2s}.kurz .kdots i.on{width:20px;background:var(--brand)}
.news .ngrid{gap:0}
.news .ngrid .post{display:grid;grid-template-columns:96px minmax(0,1fr);gap:12px;align-items:center;padding:12px 0;border:0;border-top:1px solid var(--bd);border-radius:0;background:none;box-shadow:none}
.news .ngrid .post:first-child{border-top:0}
.news .post .pimg{width:96px;height:72px;border-radius:10px;overflow:hidden}
.news .post .pimg img{width:100%;height:100%;aspect-ratio:auto}
.news .post .pb{padding:0!important}
.news .post .pb>p:not(.pd),.news .post .pb .more{display:none!important}
.news .post .pd{font-size:12.5px;margin:0 0 2px}.news .post h3{font-size:15.5px;line-height:1.3;margin:0}
}
/* B5: Lexikon mit Suche und mitlaufender A–Z-Leiste */
.lxbar{position:sticky;top:var(--hdh,62px);z-index:15;background:#fff;padding:12px 0 10px;margin:0 0 6px;border-bottom:1px solid var(--bd);box-shadow:0 10px 14px -12px rgba(23,40,60,.25)}
.lxs{display:flex;align-items:center;gap:8px;border:1.5px solid var(--bd);border-radius:12px;padding:10px 12px;background:#fff}
.lxs:focus-within{border-color:var(--brand)}
.lxs input{border:0;outline:0;flex:1;min-width:0;font:inherit;font-size:16px;background:none}
.lxaz{display:flex;gap:4px;overflow-x:auto;margin-top:10px;scrollbar-width:none}.lxaz::-webkit-scrollbar{display:none}
.lxaz a{flex:0 0 32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;color:var(--brand)!important;background:var(--tint);text-decoration:none!important}
.lxaz a.on{background:var(--brand);color:#fff!important}
.lxn{display:none;background:var(--tint);border-radius:12px;padding:14px 16px;margin:12px 0}
/* B6: Zeile unter dem Logo in der Fusszeile */
.ftag{color:rgba(255,255,255,.72);font-size:14px;line-height:1.55;margin:12px 0 0;max-width:280px}

/* Punkt 2: Vergleich im Blogartikel */
.qf.ainl{margin:30px 0 34px;border:1px solid var(--bd);box-shadow:0 10px 26px rgba(23,40,60,.08);border-radius:18px}
.qf.ainl .qt{font-size:19px;line-height:1.3}
@media(min-width:960px){.qf.ainl{display:none}}
.ainl-r{margin:30px 0 34px}
/* ===== v0.9.8 Conversion ===== */
.wzprog .bar b{width:25%}
@media(max-width:520px){.wzprog li:not(.on) span{display:none}}
.st .stsub{margin:-6px 0 16px;color:var(--muted);font-size:15px}
.f .hint.lk{display:flex;align-items:flex-start;gap:6px;color:#3E6B4E}.f .hint.lk svg{flex:none;margin-top:2px;color:#12A150}
.emsug{margin:6px 0 0;font-size:14.5px;color:var(--ink)}.emsug button{font:inherit;font-weight:700;color:var(--brand);background:none;border:0;padding:0;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.wzres{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:6px 12px;background:#EEF6F0;border:1px solid #BFE3CB;border-radius:12px;padding:12px 40px 12px 14px;margin:0 0 14px;position:relative;color:#1D5B33}
.wzres>svg{color:#12A150}.wzres p{margin:0;font-size:14.5px;line-height:1.4}.wzres p b{display:block;color:var(--ink)}.wzres p span{color:#2F5E3E}
.wzres .wzrgo{padding:9px 16px;font-size:15px;min-height:0}
.wzres .wzrx{position:absolute;top:4px;right:4px;width:32px;height:32px;border:0;background:none;font-size:22px;line-height:1;color:#557;cursor:pointer;border-radius:8px}
.wzres .wzrx:hover{background:rgba(0,0,0,.06)}
@media(max-width:480px){.wzres{grid-template-columns:auto 1fr}.wzres .wzrgo{grid-column:1/-1;width:100%}}
.qf>.wzres{grid-column:1/-1}
.qs .wzres{grid-template-columns:auto 1fr}.qs .wzres .wzrgo{grid-column:1/-1;width:100%}

/* Hilfe-"?" + gruene Bestaetigung */
.hlp{position:relative;display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;margin:-2px 0 0 7px;padding:0;border-radius:50%;border:1.5px solid var(--ring);background:#fff;color:var(--brand);font:700 12.5px/1 Inter,system-ui,sans-serif;cursor:pointer;vertical-align:middle}
.hlp:after{content:"";position:absolute;inset:-11px}
.hlp:hover,.hlp[aria-expanded=true]{background:var(--brand);border-color:var(--brand);color:#fff}
.hlpt{margin:4px 0 12px;padding:10px 13px;background:var(--tint);border-radius:11px;font-size:14px;line-height:1.5;color:var(--ink);font-weight:400}
.sum+.hlpt{margin:-6px 0 14px}
.wzf input.ok{border-color:#12A150!important;padding-right:42px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2312A150' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") right 13px center/18px no-repeat}
.dob.ok input{border-color:#12A150!important}

.wzalt{margin:10px 0 4px;padding:14px 16px;background:var(--tint);border-radius:12px;font-size:15px;line-height:1.5;color:var(--ink)}
.wzalt p{margin:0 0 10px}.wzaltl{display:grid;gap:8px}
.wzalt a{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px 14px;background:#fff;border:1px solid var(--bd);border-radius:11px;font-weight:700;color:var(--brand);text-decoration:none}
.wzalt a:hover{border-color:var(--brand)}

/* Tabellen-Karten (Handy): Beschriftung als eigene Zeile, Wert volle Breite */
@media(max-width:699px){
 table.mtab tr{padding:14px 16px 6px}
 table.mtab td{display:block;padding:10px 0!important;font-size:16px;line-height:1.5;color:var(--ink)}
 table.mtab td:before{display:block;margin:0 0 3px;font-size:13.5px;font-weight:600;color:var(--muted);line-height:1.35}
 table.mtab td:first-child{font-size:17px;padding:0 0 10px!important}
 table.mtab td strong,table.mtab td b{color:var(--ink)}
 .ecta .ecst{display:none}
 .ecta .ecr{border-top:0;padding-top:4px}
}

/* v09: Textlink zur Vergleichsseite */
.vlink{margin:2px 0 26px;font-size:16px;line-height:1.5}
.vlink a{color:var(--brand);font-weight:700;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.vlink a:hover{text-decoration-thickness:2px}
.dutip a{font-weight:700}
.art ul.dl{padding-left:0}.art ul.dl li{padding-left:0}.art ul.dl li:before{content:none}

/* v09: Alternativen ueber der Altersgrenze */
.wzalt{margin:14px 0 4px;padding:16px;background:var(--tint);border:1px solid var(--bd);border-radius:14px;color:var(--ink)}
.wzalt .wzat{display:flex;gap:10px;align-items:flex-start;margin:0 0 6px;font-size:17px;line-height:1.35;font-weight:700}
.wzalt .wzat .i{flex:0 0 24px;height:24px;border-radius:50%;background:var(--ok);color:#fff;display:flex;align-items:center;justify-content:center;margin-top:0}
.wzalt .wzatx{margin:0 0 12px;font-size:15px;line-height:1.55;color:#3B3752}
.wzalt .wzaltl{display:grid;gap:9px}
.wzalt a{display:grid;grid-template-columns:minmax(0,1fr);gap:2px;padding:12px 14px;background:#fff;border:1px solid var(--bd);border-radius:12px;text-decoration:none;color:var(--ink);font-weight:400}
.wzalt a:hover{border-color:var(--brand)}
.wzalt a b{font-size:15.5px;color:var(--brand)}
.wzalt a small{grid-column:1;font-size:13.5px;color:var(--muted);line-height:1.4}
.wzalt a .go{grid-row:3;grid-column:1;margin-top:4px;font-size:13.5px;font-weight:700;color:var(--cta-b);white-space:nowrap}
.wz fieldset{min-width:0}
.wzalt .wzsrc{margin:-4px 0 12px;font-size:13px;line-height:1.45;color:var(--muted)}

/* v09: Telefon-Nachtrag */
.rrhint{margin:8px 0 0;font-size:13.5px;line-height:1.5;color:var(--muted)}
.rrhint.err{color:var(--err)}.rrhint b{display:block;font-size:14.5px}
.rrrow input.bad{border-color:var(--err);background:#FFF8F4}

/* v09l */
.wzn.dim{opacity:.45;box-shadow:none;filter:saturate(.6)}
.video .vif{display:block;width:100%;aspect-ratio:16/9;border:0;border-radius:14px;background:#000}