*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;color:#10202E;background:#FBFCFD;line-height:1.65;font-size:17px}
a{color:#2D7DD2;text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
h1,h2,h3{font-family:'Source Serif 4',Georgia,'Times New Roman',serif;font-weight:600;color:#10202E;line-height:1.2;margin:0 0 .5em}
h1{font-size:2.15rem;letter-spacing:-.01em}
h2{font-size:1.5rem;margin-top:1.6em}
h3{font-size:1.18rem}
p{margin:0 0 1em}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
/* Header */
.top{background:#fff;border-bottom:1px solid #E4E8EB;position:sticky;top:0;z-index:50}
.top .wrap{display:flex;align-items:center;gap:24px;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-family:'Source Serif 4',Georgia,'Times New Roman',serif;font-weight:600;font-size:1.22rem;color:#10202E}
.brand:hover{text-decoration:none}
.brand .mk{color:#1B4965}
.nav{display:flex;gap:20px;margin-left:auto;flex-wrap:wrap}
.nav a{color:#33444F;font-size:.96rem;font-weight:500}
.nav a:hover{color:#1B4965;text-decoration:none}
@media(max-width:760px){.nav{display:none}}
/* Trust-Bar */
.trust{background:#F4F6F8;border-bottom:1px solid #E4E8EB;font-size:.86rem;color:#33444F}
.trust .wrap{display:flex;gap:26px;flex-wrap:wrap;padding-top:9px;padding-bottom:9px}
.trust b{color:#10202E;font-weight:600}
.trust i{font-style:normal;color:#127A5B}
.cc-switch{margin-left:auto;display:inline-flex;align-items:center;gap:6px;color:#6A7681;font-size:.82rem}
.cc{border:1px solid #E4E8EB;background:#fff;color:#33444F;font:inherit;font-size:.8rem;font-weight:600;
 padding:3px 9px;border-radius:6px;cursor:pointer;line-height:1.3}
.cc:hover{border-color:#1B4965;color:#1B4965}
.cc.on{background:#1B4965;color:#fff;border-color:#1B4965}
/* Hero */
.hero{background:linear-gradient(160deg,#10202E,#1B4965);color:#fff;padding:54px 0 48px}
.hero h1{color:#fff;max-width:18ch}
.hero .claim{font-family:'Source Serif 4',Georgia,'Times New Roman',serif;font-size:1.05rem;opacity:.92;max-width:46ch;margin:0 0 26px}
.hero .kpis{display:flex;gap:30px;flex-wrap:wrap;margin-top:8px;font-size:.92rem;opacity:.9}
.hero .kpis div b{display:block;font-size:1.5rem;font-family:'Source Serif 4',Georgia,'Times New Roman',serif}
/* Buttons */
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:1.02rem;
 padding:14px 24px;border-radius:8px;border:0;cursor:pointer;text-decoration:none}
.btn-cta{background:#15613F;color:#fff}
.btn-cta:hover{background:#0F4E32;text-decoration:none}
.btn-ghost{background:#fff;color:#10202E;border:1px solid #E4E8EB}
.btn-ghost:hover{border-color:#1B4965;color:#1B4965;text-decoration:none}
.btn-lg{padding:16px 30px;font-size:1.08rem}
/* Cards / grid */
.grid{display:grid;gap:16px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.g3{grid-template-columns:1fr 1fr}.g2{grid-template-columns:1fr}}
@media(max-width:540px){.g3{grid-template-columns:1fr}}
.card{background:#FFFFFF;border:1px solid #E4E8EB;border-radius:12px;padding:20px 22px;display:block;color:#10202E}
a.card:hover{border-color:#1B4965;text-decoration:none;box-shadow:0 2px 14px rgba(16,32,46,.06)}
.card .ic{font-size:1.6rem;color:#1B4965;line-height:1}
.card h3{margin:.5em 0 .35em}
.card .tz{color:#33444F;font-size:.96rem;margin:0}
.card .grp{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:#6A7681;font-weight:600}
.card .save{display:inline-block;margin-top:12px;font-size:.86rem;color:#127A5B;font-weight:600}
.card .more{display:inline-block;margin-top:12px;font-size:.9rem;color:#2D7DD2;font-weight:600}
/* Section */
section{padding:40px 0}
.sec-soft{background:#F4F6F8}
.eyebrow{font-size:.76rem;text-transform:uppercase;letter-spacing:.14em;color:#1B4965;font-weight:700;margin:0 0 8px}
.lead{font-size:1.12rem;color:#33444F}
/* Compare CTA block (Funnel) */
.cmp{background:#E3F3EC;border:1px solid #cfe7dc;border-radius:14px;padding:26px 28px;margin:26px 0}
.cmp h3{margin:0 0 6px}
.cmp p{margin:0 0 16px;color:#33444F;font-size:.98rem}
.cmp .row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.cmp .lic{font-size:.8rem;color:#6A7681;margin-top:12px}
.cmp .lic b{color:#33444F}
/* Bedarfs-Check */
.bc{background:#fff;border:1px solid #E4E8EB;border-radius:14px;padding:26px 28px}
.bc .step{display:flex;gap:12px;align-items:flex-start;margin:0 0 10px}
.bc .n{flex:0 0 26px;height:26px;border-radius:50%;background:#1B4965;color:#fff;font-size:.85rem;
 display:flex;align-items:center;justify-content:center;font-weight:700}
/* Checklist */
.chk{list-style:none;padding:0;margin:0}
.chk li{position:relative;padding:7px 0 7px 30px;border-bottom:1px solid #E4E8EB;color:#33444F}
.chk li:before{content:"\2713";position:absolute;left:4px;top:7px;color:#127A5B;font-weight:700}
/* FAQ */
details{border:1px solid #E4E8EB;border-radius:10px;padding:0 18px;margin:0 0 10px;background:#fff}
details summary{cursor:pointer;font-weight:600;padding:15px 0;list-style:none}
details summary::-webkit-details-marker{display:none}
details summary:after{content:"+";float:right;color:#1B4965;font-weight:700}
details[open] summary:after{content:"\2013"}
details .a{padding:0 0 16px;color:#33444F}
/* Disclosure */
.disc{font-size:.82rem;color:#6A7681;background:#F4F6F8;border:1px solid #E4E8EB;border-radius:8px;
 padding:12px 16px;margin:18px 0}
.disc b{color:#33444F}
/* Breadcrumb */
.bc-nav{font-size:.84rem;color:#6A7681;padding:14px 0}
.bc-nav a{color:#6A7681}
/* Footer */
.foot{background:#10202E;color:#c5ced6;font-size:.9rem;margin-top:50px}
.foot .wrap{padding:40px 22px}
.foot a{color:#dfe6ec}
.foot .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
@media(max-width:760px){.foot .cols{grid-template-columns:1fr}}
.foot h4{color:#fff;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;margin:0 0 12px}
.foot ul{list-style:none;padding:0;margin:0;line-height:2}
.foot .legal{border-top:1px solid #243442;margin-top:28px;padding-top:18px;font-size:.8rem;color:#8a98a4}
.foot .legal b{color:#c5ced6}
.adslot{margin:26px 0;min-height:90px;display:flex;align-items:center;justify-content:center;
 background:#F4F6F8;border:1px dashed #E4E8EB;border-radius:8px;color:#6A7681;font-size:.8rem}
.adwrap{margin:28px 0;text-align:center}
.adlbl{display:block;font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;color:#6A7681;margin:0 0 4px}
/* Article / Ratgeber */
.artmeta{font-size:.85rem;color:#6A7681;margin:0 0 18px}
.artmeta b{color:#33444F;font-weight:600}
.prose{font-size:1.04rem}
.prose h2{margin-top:1.7em;scroll-margin-top:80px}
.prose h3{margin-top:1.3em}
.prose p,.prose li{color:#33444F}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1em}
.prose li{margin:6px 0}
.prose table{width:100%;border-collapse:collapse;margin:14px 0;font-size:.95rem}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid #E4E8EB;vertical-align:top}
.prose thead th{background:#F4F6F8;font-weight:600;color:#10202E;font-size:.82rem;text-transform:uppercase;letter-spacing:.04em}
.toc{background:#F4F6F8;border:1px solid #E4E8EB;border-radius:10px;padding:16px 20px;margin:6px 0 26px}
.toc strong{display:block;font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;color:#6A7681;margin-bottom:8px}
.toc ol{list-style:none;padding:0;margin:0;columns:2;column-gap:26px}
@media(max-width:600px){.toc ol{columns:1}}
.toc a{color:#33444F;font-size:.95rem;line-height:1.95}
.related{border-top:1px solid #E4E8EB;margin-top:34px;padding-top:20px}
.related h2{font-size:1.2rem;margin:0 0 14px}
.related a{display:block;padding:10px 0;border-bottom:1px solid #E4E8EB;color:#10202E;font-weight:500}
.related a:hover{color:#1B4965;text-decoration:none}
.related a span{display:block;font-size:.84rem;color:#6A7681;font-weight:400}
/* Consent-Banner */
.vr-consent{position:fixed;left:0;right:0;bottom:0;z-index:9999;background:#fff;border-top:2px solid #1B4965;
 box-shadow:0 -4px 24px rgba(16,32,46,.14)}
.vr-consent-in{max-width:1080px;margin:0 auto;padding:16px 22px;display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.vr-consent p{margin:0;flex:1 1 380px;font-size:.9rem;color:#33444F;line-height:1.5}
.vr-consent-btns{display:flex;gap:10px;flex-wrap:wrap}
.vr-consent .btn{padding:11px 22px;font-size:.95rem}
@media(max-width:600px){.vr-consent-btns{width:100%}.vr-consent-btns .btn{flex:1}}

.person{display:flex;gap:18px;align-items:flex-start;background:#F4F6F8;border:1px solid #E4E8EB;border-radius:12px;padding:22px 24px;margin:20px 0}
.person .av{flex:0 0 56px;height:56px;border-radius:50%;background:#1B4965;color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Source Serif 4',Georgia,serif;font-weight:600;font-size:1.3rem}
.person .name{font-weight:600;color:#10202E;font-size:1.06rem}
.person .role{font-size:.9rem;color:#6A7681;margin-top:2px}