:root{--navy:#224569;--navy-2:#1d3d5f;--navy-3:#163050;--blue:#769cbe;--blue-l:#9ab8d4;--terra:#732622;--white:#fff;--off:#eef2f7;--off-2:#e3e9f1;--ink:#224569;--ink-soft:#2d5984;--muted:#5c7a9a;--border:#d4dfe8;--sun:#fcf8aa;--line:rgba(34,69,105,.16);--line-dark:rgba(255,255,255,.18);--wa:#25D366}
@font-face{font-family:'Manrope';font-style:normal;font-weight:300 800;font-display:swap;src:url('/assets/fonts/manrope-latin.woff2') format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Manrope';font-style:normal;font-weight:300 800;font-display:swap;src:url('/assets/fonts/manrope-latin-ext.woff2') format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Inter';font-style:normal;font-weight:300 800;font-display:swap;src:url('/assets/fonts/inter-latin.woff2') format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Inter';font-style:normal;font-weight:300 800;font-display:swap;src:url('/assets/fonts/inter-latin-ext.woff2') format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:clip}
body{font-family:'Manrope',sans-serif;background:#fff;color:var(--ink);font-size:17px;line-height:1.65;overflow-x:clip;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--navy)}
.container{max-width:1240px;margin:0 auto;padding:0 2.5rem}
.container.wide{max-width:1480px}
.container.narrow{max-width:920px}
.ic{flex-shrink:0;vertical-align:middle}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.5rem 1rem;z-index:1000}
.skip:focus{left:1rem;top:1rem}

.top-bar{background:var(--blue);color:#fff;height:36px;display:flex;align-items:center;font-size:.82rem}
.top-bar-inner{max-width:1480px;margin:0 auto;padding:0 2.5rem;width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.top-bar a{display:inline-flex;align-items:center;gap:.45rem;color:#fff;text-decoration:none;font-weight:600}
.top-bar a:hover{opacity:.85}
.top-bar-right{display:flex;gap:1.4rem}
.site-nav{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line)}
.nav-inner{max-width:1480px;margin:0 auto;padding:0 2.5rem;display:flex;align-items:center;justify-content:space-between;height:72px;gap:2rem}
.nav-logo img{height:56px;width:auto;display:block}
.nav-links{list-style:none;display:flex;align-items:center;gap:.15rem}
.nav-links a{display:inline-block;padding:.45rem .8rem;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap;border-bottom:2px solid transparent}
.nav-links a:hover,.nav-links a[aria-current=page]{border-bottom-color:var(--terra)}
.nav-links li.nav-cta a{display:inline-flex;align-items:center;gap:.5rem;background:linear-gradient(135deg,#8a3630 0%,var(--terra) 55%,#5c1e1a 100%);color:#fff;margin-left:.5rem;padding:.6rem 1rem .6rem 1.15rem;border-radius:12px;border-bottom:0;box-shadow:0 6px 16px -6px rgba(115,38,34,.55);transition:transform .2s,box-shadow .25s}
.nav-links li.nav-cta a:hover{transform:translateY(-1px);box-shadow:0 10px 22px -8px rgba(115,38,34,.6);border-bottom-color:transparent}
.nav-links li.nav-call a{display:inline-flex;align-items:center;gap:.45rem;background:#fff;color:var(--navy);border:2px solid var(--navy);padding:.5rem 1rem;margin-left:.35rem;border-radius:12px;transition:background .2s,color .2s}
.nav-links li.nav-call a:hover{background:var(--navy);color:#fff;border-bottom-color:var(--navy)}
@media(max-width:1100px){.nav-links a{padding:.4rem .55rem;font-size:.88rem}}
.nav-toggle{display:none}
@media(max-width:900px){
 .top-bar-right span{display:none}
 .nav-inner{height:64px;padding:0 1rem;gap:.5rem;position:relative}
 .nav-logo img{height:44px}
 .nav-toggle{display:inline-flex;align-items:center;gap:.4rem;font:inherit;font-weight:700;font-size:.95rem;color:var(--navy);background:#fff;border:2px solid var(--navy);border-radius:12px;padding:.5rem .9rem;cursor:pointer}
 .nav-toggle-pfeil{transition:transform .2s}
 .site-nav.offen .nav-toggle-pfeil{transform:rotate(180deg)}
 .nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);box-shadow:0 18px 40px -20px rgba(34,69,105,.35);flex-direction:column;align-items:stretch;gap:0;padding:.4rem 0 .6rem;z-index:100}
 .site-nav.offen .nav-links{display:flex}
 .nav-links li{border-bottom:1px solid var(--line)}
 .nav-links li:last-child{border-bottom:0}
 .nav-links a{display:block;padding:.95rem 1.25rem;font-size:1rem;border-bottom:0;white-space:normal}
 .nav-links a[aria-current=page]{background:var(--off);border-bottom:0}
 .nav-links li.nav-cta a{display:flex;margin:.5rem 1.25rem .25rem;justify-content:center;padding:.9rem 1rem;border-radius:12px}
 .nav-links li.nav-cta{border-bottom:0}
 .nav-links li.nav-call{display:block}
 .nav-links li.nav-call a{display:flex;justify-content:center;margin:.25rem 1.25rem .5rem;padding:.8rem 1rem;border-radius:12px}
}

.page-hero{padding:1.75rem 0 5.5rem;position:relative;overflow:hidden;background:#fff}
.page-hero>.container{max-width:1480px;position:relative;z-index:2}
.page-hero::before{content:'';position:absolute;inset:0;background:linear-gradient(to right,#fff 0%,#fff 42%,rgba(255,255,255,.85) 52%,rgba(255,255,255,0) 66%);pointer-events:none;z-index:1}
.hero-text{max-width:50%;position:relative}
.hero-badge{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:1.5rem}
.hero-badge .hb-mobile{display:none}
h1{font-family:'Inter',sans-serif;font-size:clamp(2.05rem,4.2vw,3.15rem);font-weight:800;line-height:1.06;letter-spacing:-.018em;margin-bottom:1.5rem;max-width:780px}
h1 em{font-style:italic;color:var(--terra);font-weight:700}
.page-hero h1::after{content:'';display:block;width:46px;height:2px;background:var(--terra);margin-top:1.2rem;opacity:.85}
.page-hero .lead{font-size:1.06rem;color:var(--ink-soft);margin-bottom:1.1rem;line-height:1.72}
.page-hero .lead b{color:var(--ink)}
.lead-accent{display:block;padding:.15rem 0 .15rem 1.1rem;border-left:3px solid var(--terra);font-size:1.12rem;font-style:italic;color:var(--navy);margin:1.5rem 0 .6rem;font-weight:700}
.lead-accent+.lead-accent{margin-top:0;margin-bottom:2.2rem}
.hero-img-mobile{display:none}
.hero-contact{display:flex;flex-wrap:wrap;gap:1rem;align-items:center}
.hero-contact-call{display:flex;align-items:center;gap:.9rem;text-decoration:none;color:var(--ink)}
.hero-contact-icon{width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;flex-shrink:0}
.hero-contact-text{display:flex;flex-direction:column;gap:.05rem}
.hero-contact-label{font-size:.65rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.hero-contact-text strong{font-family:'Inter',sans-serif;font-size:1.35rem;font-weight:800;color:var(--ink);letter-spacing:-.01em;line-height:1.15}
.hero-contact-wa{display:inline-flex;align-items:center;gap:.55rem;padding:.85rem 1.4rem;background:linear-gradient(135deg,#3ddc72,var(--wa) 60%,#1da851);color:#fff;font-weight:700;font-size:.9rem;text-decoration:none;border-radius:12px;box-shadow:0 6px 18px -6px rgba(37,211,102,.5);transition:transform .2s,box-shadow .25s}
.hero-contact-wa:hover{transform:translateY(-2px);box-shadow:0 12px 26px -8px rgba(37,211,102,.55)}
.hero-trust{display:flex;gap:.4rem 1.4rem;flex-wrap:wrap;margin-top:1.5rem}
.pill{display:inline-flex;align-items:center;gap:.4rem;font-size:.8rem;font-weight:600;color:var(--ink-soft)}
.pill .ic{color:var(--terra)}
.kurz{margin-top:1.75rem;padding:.2rem 0 .2rem 1.2rem;border-left:3px solid var(--blue);max-width:720px}
.kurz h2{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin:0 0 .5rem;font-family:'Manrope',sans-serif}
.kurz p{font-size:.98rem;line-height:1.65;color:var(--ink-soft);margin:0}
.kurz .stand{margin-top:.5rem;font-size:.8rem;color:var(--muted)}
@media(max-width:900px){.hero-text{max-width:100%}.page-hero{background-position:right center}.page-hero::before{background:linear-gradient(to right,#fff 0%,#fff 65%,rgba(255,255,255,.85) 80%,rgba(255,255,255,.4) 100%)}}
@media(max-width:640px){.page-hero{background-image:none;min-height:auto;padding-bottom:4.5rem}.page-hero::before{background:none}.hero-badge .hb-desktop{display:none}.hero-badge .hb-mobile{display:inline}.hero-img-mobile{display:block;margin:0 0 1.5rem}.hero-img-mobile img{width:100%;height:220px;object-fit:cover;display:block}.hero-contact{flex-direction:column;align-items:stretch}.hero-contact-wa{justify-content:center;padding:1rem}}

.btn-primary,.btn-outline,.btn-light{display:inline-flex;align-items:center;gap:.6rem;padding:.95rem 1.5rem .95rem 1.7rem;text-decoration:none;font-weight:700;font-size:.95rem;border-radius:12px;border:2px solid transparent;transition:transform .2s,box-shadow .25s,background .2s,color .2s,border-color .2s;position:relative}
.btn-primary::after,.btn-outline::after,.btn-light::after,.nav-cta a::after{content:'';width:18px;height:18px;flex-shrink:0;background:currentColor;-webkit-mask:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20stroke%3D%22black%22%20stroke-width%3D%222.5%22%20stroke-linecap%3D%22round%22%20stroke-linejoin%3D%22round%22%3E%3Cpath%20d%3D%22M5%2012h14%22%20%2F%3E%20%3Cpath%20d%3D%22m12%205%207%207-7%207%22%20%2F%3E%3C%2Fsvg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20stroke%3D%22black%22%20stroke-width%3D%222.5%22%20stroke-linecap%3D%22round%22%20stroke-linejoin%3D%22round%22%3E%3Cpath%20d%3D%22M5%2012h14%22%20%2F%3E%20%3Cpath%20d%3D%22m12%205%207%207-7%207%22%20%2F%3E%3C%2Fsvg%3E") center/contain no-repeat;transition:transform .2s}
.btn-primary:hover::after,.btn-outline:hover::after,.btn-light:hover::after,.nav-cta a:hover::after{transform:translateX(4px)}
.btn-primary{background:linear-gradient(135deg,#8a3630 0%,var(--terra) 55%,#5c1e1a 100%);color:#fff;box-shadow:0 6px 18px -6px rgba(115,38,34,.55)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 26px -8px rgba(115,38,34,.6)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy);box-shadow:0 4px 14px -8px rgba(34,69,105,.35)}
.btn-outline:hover{transform:translateY(-2px);background:var(--navy);color:#fff;box-shadow:0 12px 26px -10px rgba(34,69,105,.6)}
.btn-light{background:#fff;color:var(--navy);box-shadow:0 6px 18px -8px rgba(0,0,0,.35)}
.btn-light:hover{transform:translateY(-2px);box-shadow:0 12px 26px -8px rgba(0,0,0,.4)}
.btn-wa{background:linear-gradient(135deg,#3ddc72,var(--wa) 60%,#1da851);color:#fff;box-shadow:0 6px 18px -6px rgba(37,211,102,.5)}
.btn-wa::after{display:none}
.btn-wa:hover{background:linear-gradient(135deg,#34cf68,#1da851)}
.rechner button.btn-primary,.kontakt-form button.btn-primary{border-radius:12px;font-size:1rem;padding:1rem 1.5rem}
.btn-row{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.5rem}

section{position:relative}
.section{padding:4.5rem 0}
.section-label{font-size:.75rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:1rem}
.section-title{font-family:'Inter',sans-serif;font-size:clamp(1.9rem,3.5vw,2.7rem);font-weight:700;line-height:1.15;margin-bottom:1.25rem;letter-spacing:-.01em;max-width:1000px}
.section-title em{font-style:italic;color:var(--terra)}
.section-title br+em,h1 br+em{display:inline-block;margin-top:.15em}
.section-intro{color:var(--ink-soft);max-width:760px;margin-bottom:2.5rem;font-size:1.05rem}
.center{text-align:center}
.center .section-title,.center .section-intro{margin-left:auto;margin-right:auto}
.bg-white{background:#fff}
.bg-soft,.bg-cream,.bg-sun{background:var(--off)}
.bg-dark{background:var(--navy);color:#fff}
.bg-dark .section-label{color:var(--blue-l)}
.bg-dark .section-title,.bg-dark h3{color:#fff}
.bg-dark .section-title em{color:var(--blue-l)}
.bg-dark p,.bg-dark li,.bg-dark .section-intro,.bg-dark .two-col p{color:rgba(255,255,255,.88)}
.bg-dark .two-col p strong,.bg-dark p strong{color:#fff}
.bg-dark a{color:#fff}
.bg-dark a.btn-light{color:var(--navy)}
.bg-dark .icon-card .icon,.bg-dark .card .icon{background:rgba(255,255,255,.12);color:#fff}
.bg-dark .card,.bg-dark .icon-card{border-color:var(--line-dark)}
.wave{position:absolute;top:-90px;left:0;width:100%;height:130px;display:block;pointer-events:none;z-index:5}
.wave .w-unten{fill:var(--off)}
.wave .w-band{fill:var(--blue)}
@media(max-width:640px){.wave .w-unten{fill:#fff}}
@media(max-width:900px){.wave{height:120px;top:-80px}}
@media(max-width:640px){.wave{height:90px;top:-60px;-webkit-mask-image:linear-gradient(180deg,#000 0%,#000 60%,transparent 100%);mask-image:linear-gradient(180deg,#000 0%,#000 60%,transparent 100%)}}

.problem-section{background:var(--off);padding:6rem 0 4.5rem;position:relative;overflow:visible;z-index:2}
.problem-section>.container{position:relative;z-index:6}
@media(max-width:640px){.problem-section{padding-top:4rem}}
.problem-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start}
.problem-text p{color:var(--ink-soft);margin-bottom:1rem}
.problem-text p strong{color:var(--ink)}
.problem-cards{display:grid;gap:0}
.icon-card{padding:1.3rem 0;display:flex;gap:1.1rem;align-items:flex-start;border-top:1px solid var(--line)}
.icon-card:last-child{border-bottom:1px solid var(--line)}
.icon-card .icon{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;flex-shrink:0}
.icon-card h3{font-size:1rem;font-weight:700;margin-bottom:.2rem;font-family:'Inter',sans-serif}
.icon-card p{font-size:.92rem;color:var(--muted)}
.icon-card p strong{color:var(--ink)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.two-col p{color:var(--ink-soft);margin-bottom:1.2rem}
.two-col p.big{color:var(--ink);font-size:1.05rem;font-weight:600}
.chip-list{list-style:none;margin-top:1rem;display:flex;flex-direction:column;gap:.55rem}
.chip-list li{display:flex;align-items:center;gap:.6rem;color:var(--ink);font-weight:600;font-size:.95rem}
.chip-list .ic{color:var(--terra)}
.fund-card{padding:1.6rem 0;border-top:1px solid var(--line)}
.fund-card:last-child{border-bottom:1px solid var(--line)}
.fund-card .tag{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:.5rem}
.fund-card h3{font-family:'Inter',sans-serif;font-size:1.25rem;font-weight:700;margin-bottom:.2rem}
.fund-card .sum{font-family:'Inter',sans-serif;font-weight:800;color:var(--terra);font-size:1.15rem;margin-bottom:.7rem}
.fund-card p{color:var(--ink-soft);font-size:.97rem;margin-bottom:.6rem}
.fund-card .haken{font-weight:600;color:var(--ink);font-size:.93rem}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem 3rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:2.5rem 4rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem}
.card{padding:1.4rem 0 0;border-top:2px solid var(--line)}
.card .icon{width:44px;height:44px;border-radius:50%;background:var(--navy);display:grid;place-items:center;margin-bottom:1rem;color:#fff}
.card h3{font-family:'Inter',sans-serif;font-size:1.1rem;font-weight:700;margin-bottom:.6rem;line-height:1.3}
.card p{font-size:.95rem;color:var(--ink-soft);line-height:1.65}
.card p+p{margin-top:.6rem}
.card ul{margin:.4rem 0 0 1.1rem;font-size:.95rem;color:var(--ink-soft);line-height:1.7}
.card li{margin-bottom:.2rem}
.card.dark{border-top-color:var(--terra)}
.card.dark .icon{background:var(--terra)}
.card.sun{border-top-color:#e9df5a}
.card .num{font-family:'Inter',sans-serif;font-size:3rem;font-weight:800;line-height:1;color:var(--terra);margin-bottom:.6rem;letter-spacing:-.02em}
.note-box{margin-top:2.25rem;padding:.3rem 0 .3rem 1.2rem;border-left:3px solid var(--terra);font-size:1rem;max-width:900px}
.note-box strong{color:var(--ink)}
.quiet{font-size:.9rem;color:var(--muted);margin-top:1.5rem;max-width:900px}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:2.5rem;margin-top:2.5rem}
.step{padding-top:1.2rem;border-top:1px solid var(--line-dark)}
.step .n{font-family:'Inter',sans-serif;font-size:2rem;font-weight:800;letter-spacing:-.02em;color:var(--blue-l);margin-bottom:.6rem;line-height:1}
.step h3{font-family:'Inter',sans-serif;font-size:1.05rem;font-weight:700;margin-bottom:.5rem}
.step p{font-size:.93rem;color:rgba(255,255,255,.85)}
.steps-note{margin-top:2.5rem;font-size:1.05rem;font-style:italic;opacity:.92}

.rechner{background:var(--off);padding:2rem 2.25rem}
.rechner h3{font-family:'Inter',sans-serif;font-size:1.3rem;margin-bottom:.4rem}
.rechner .frage{margin-top:1.2rem;font-weight:700;font-size:.95rem}
.rechner select{width:100%;margin-top:.4rem;padding:.8rem .9rem;font:inherit;font-size:.95rem;border:1px solid var(--border);border-radius:4px;background:#fff;color:var(--ink)}
.rechner button{margin-top:1.4rem;width:100%;font:inherit;cursor:pointer;justify-content:center}
.rechner .erg{margin-top:1.5rem;display:none}
.rechner .erg.zeigen{display:block}
.rechner .erg-summe{font-family:'Inter',sans-serif;font-size:2.2rem;font-weight:800;color:var(--terra);line-height:1.1;letter-spacing:-.02em}
.rechner .erg-summe small{display:block;font-family:'Manrope',sans-serif;font-size:.85rem;font-weight:600;color:var(--muted);letter-spacing:0;margin-top:.3rem}
.rechner table{width:100%;border-collapse:collapse;margin-top:1rem;font-size:.9rem}
.rechner td{padding:.5rem 0;border-bottom:1px solid var(--line);vertical-align:top}
.rechner td:last-child{text-align:right;font-weight:700;white-space:nowrap}
.rechner .hinweis{font-size:.8rem;color:var(--muted);margin-top:1rem;line-height:1.55}
.bg-cream .rechner,.bg-soft .rechner{background:#fff}
.countdown{display:grid;grid-template-columns:1fr 1fr;gap:3rem;margin-top:1rem}
.count{padding-top:1.4rem;border-top:2px solid var(--terra)}
.count .tage{font-family:'Inter',sans-serif;font-size:4rem;font-weight:800;line-height:1;color:var(--navy);letter-spacing:-.03em}
.count .bis{font-weight:700;margin:.5rem 0 .6rem}
.count p{font-size:.95rem;color:var(--ink-soft)}

.tabelle{width:100%;border-collapse:collapse;font-size:.95rem}
.tabelle th,.tabelle td{padding:.85rem 1rem .85rem 0;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tabelle th{font-family:'Inter',sans-serif;font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--navy)}
.tabelle td.alt{color:var(--muted);text-decoration:line-through;text-decoration-color:rgba(115,38,34,.5)}
.tabelle td.neu{font-weight:700;color:var(--terra)}
.tabelle-wrap{overflow-x:auto;margin-top:1.5rem}

.stars{color:#f2b01e;letter-spacing:.05em;font-size:1.3rem}
.review-grid{display:grid;grid-template-columns:minmax(220px,300px) 1fr;gap:3rem 4rem;align-items:start;margin-top:1rem}
.review-grid>.card{border-top:0;padding-top:0;text-align:left!important}
.review-num{font-family:'Inter',sans-serif;font-size:5rem;font-weight:800;line-height:1;color:var(--navy);letter-spacing:-.04em}

.az-wrap summary{display:none;list-style:none;cursor:pointer;margin-top:1rem}
.az-wrap summary::after{transform:rotate(90deg)}
.az-wrap summary::-webkit-details-marker{display:none}
@media(max-width:640px){.az-wrap summary{display:inline-flex}.az-wrap[open] summary{margin-bottom:.5rem}}
.az{columns:3;column-gap:3rem;list-style:none;margin-top:1rem}
.az li{break-inside:avoid;padding:.45rem 0;border-bottom:1px solid var(--line);font-size:.95rem;font-weight:600}
.faq-list{margin-top:1rem;display:flex;flex-direction:column}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item:first-child{border-top:1px solid var(--line)}
.faq-item summary{padding:1.1rem 0;font-family:'Inter',sans-serif;font-size:1.02rem;font-weight:700;color:var(--ink);cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';font-size:1.5rem;color:var(--terra);font-weight:400;line-height:1;transition:transform .2s;flex-shrink:0}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-body{padding:0 2.5rem 1.2rem 0;color:var(--ink-soft);font-size:.97rem;line-height:1.7;max-width:76ch}
.faq-body p+p{margin-top:.6rem}

.cta-box{display:grid;grid-template-columns:1.4fr 1fr;gap:3rem;align-items:center}
.cta-box h2{font-family:'Inter',sans-serif;font-size:clamp(1.6rem,2.8vw,2.2rem);line-height:1.2;margin-bottom:1rem}
.cta-box p{color:rgba(255,255,255,.88);margin-bottom:.6rem}
.cta-box .adr{font-size:.9rem;color:rgba(255,255,255,.75);margin-top:1.2rem}
.cta-actions{display:flex;flex-direction:column;gap:.75rem}
.cta-actions a{justify-content:center}
.kontakt-form{background:var(--off);padding:2rem 2.25rem}
.kontakt-form h3{font-family:'Inter',sans-serif;font-size:1.25rem;margin-bottom:.3rem}
.kontakt-form .sub{font-size:.9rem;color:var(--muted);margin-bottom:1.2rem}
.kontakt-form label{display:block;font-weight:700;font-size:.85rem;margin-top:1rem}
.kontakt-form input,.kontakt-form select,.kontakt-form textarea{width:100%;margin-top:.35rem;padding:.75rem .9rem;font:inherit;font-size:.95rem;border:1px solid var(--border);border-radius:4px;background:#fff;color:var(--ink)}
.kontakt-form textarea{min-height:110px;resize:vertical}
.kontakt-form .zwei{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.kontakt-form button{margin-top:1.4rem;font:inherit;cursor:pointer;width:100%;justify-content:center}
.kontakt-form button:disabled{opacity:.6;cursor:wait}
.kontakt-form .falle{position:absolute;left:-9999px;top:-9999px}
.kontakt-form{position:relative}
.kontakt-form .zustimmung{display:flex;gap:.6rem;align-items:flex-start;margin-top:1rem;font-weight:500;font-size:.85rem;line-height:1.5;color:var(--ink-soft)}
.kontakt-form .zustimmung input{width:auto;margin:.2rem 0 0;flex-shrink:0}
.form-meldung{margin-top:1rem;padding:.9rem 1rem;border-radius:12px;font-weight:600;font-size:.95rem}
.form-meldung.ok{background:#e3f4e8;color:#1b6b3a}
.form-meldung.fehler{background:#f9e6e4;color:var(--terra)}

.ratgeber-hero{background:#fff;padding:2.5rem 0 3rem;border-bottom:1px solid var(--line)}
.crumbs{font-size:.82rem;color:var(--muted);margin-bottom:1.25rem}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.ratgeber-hero .lead{font-size:1.1rem;color:var(--ink-soft);max-width:780px;margin-bottom:1.25rem}
.artikel{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:4rem;align-items:start;padding:3.5rem 0}
.artikel-text h2{font-family:'Inter',sans-serif;font-size:1.5rem;font-weight:700;margin:2.4rem 0 .8rem;line-height:1.25}
.artikel-text h2:first-child{margin-top:0}
.artikel-text h3{font-family:'Inter',sans-serif;font-size:1.12rem;font-weight:700;margin:1.6rem 0 .5rem}
.artikel-text p{color:var(--ink-soft);margin-bottom:1rem;max-width:72ch}
.artikel-text p strong{color:var(--ink)}
.artikel-text ul,.artikel-text ol{margin:0 0 1.2rem 1.3rem;color:var(--ink-soft);max-width:72ch}
.artikel-text li{margin-bottom:.4rem}
.artikel-text .tabelle-wrap{margin:1rem 0 1.5rem}
.aside{position:sticky;top:96px;display:flex;flex-direction:column;gap:2rem}
.aside .card{padding:1.2rem 0 0;border-top:2px solid var(--navy)}
.aside .card h3{font-size:1rem}
.aside .card a.btn-primary{width:100%;justify-content:center;margin-top:.8rem;font-size:.9rem;padding:.8rem 1rem}
.aside ul{list-style:none;margin:0}
.aside ul li{padding:.4rem 0;border-bottom:1px solid var(--line);font-size:.9rem}
.aside ul li:last-child{border-bottom:0}
.aside ul a{text-decoration:none;font-weight:600}
.aside ul a:hover{text-decoration:underline}
.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem 3rem;margin-top:1rem}
.link-card{display:block;padding:1.2rem 0 1rem;border-top:2px solid var(--line);text-decoration:none;color:var(--ink);transition:border-color .2s}
.link-card:hover{border-top-color:var(--terra)}
.link-card strong{display:block;font-family:'Inter',sans-serif;font-size:1.05rem;margin-bottom:.3rem}
.link-card span{font-size:.9rem;color:var(--ink-soft)}
.link-card .betrag{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--terra);margin-bottom:.4rem}
.ort-chips{display:flex;flex-wrap:wrap;gap:.6rem 1.6rem;margin-top:1.5rem}
.ort-chips a{display:inline-block;color:var(--navy);text-decoration:none;font-size:.95rem;font-weight:600;border-bottom:2px solid var(--line);padding-bottom:.1rem}
.ort-chips a:hover{border-bottom-color:var(--terra)}

@media(min-width:901px){#a11y-widget{right:calc(1.75rem + 70px + .85rem)}}
.site-footer{background:var(--navy-3);color:rgba(255,255,255,.85);padding:3.5rem 0 2rem}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2.5rem}
.footer-grid>div{min-width:0}
.footer-grid li{overflow-wrap:anywhere}
.footer-grid h4{font-family:'Inter',sans-serif;font-size:.8rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#fff;margin-bottom:1rem}
.footer-grid ul{list-style:none}
.footer-grid li{margin-bottom:.45rem;font-size:.9rem}
.footer-about p{font-size:.9rem;line-height:1.65;margin-bottom:.8rem}
.footer-about img{height:48px;width:auto;background:#fff;padding:.35rem .6rem;margin-bottom:1rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:2.5rem;padding-top:1.5rem;font-size:.78rem;color:rgba(255,255,255,.7);display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.footer-bottom .links{display:flex;gap:1.2rem;flex-wrap:wrap}

@media(max-width:1000px){.artikel{grid-template-columns:minmax(0,1fr)}.artikel-text{min-width:0}.aside{position:static}.footer-grid{grid-template-columns:1fr 1fr}.grid-4{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.az{columns:2}}
@media(max-width:900px){.site-footer{padding-bottom:calc(2rem + 60px)}.problem-grid,.two-col,.grid-3,.review-grid,.cta-box,.link-grid{grid-template-columns:1fr}.two-col,.problem-grid{gap:2.5rem}.container{padding:0 1.25rem}.top-bar-inner,.nav-inner{padding-left:1.25rem;padding-right:1.25rem}.section{padding:3.25rem 0}}
@media(max-width:640px){.footer-grid{grid-template-columns:1fr;gap:1.75rem}.grid-2,.grid-4,.steps,.countdown,.kontakt-form .zwei{grid-template-columns:1fr}.az{columns:1}.section-title{font-size:1.75rem}.tabelle{font-size:.88rem}.tabelle th,.tabelle td{padding:.7rem .7rem .7rem 0}.rechner,.kontakt-form{padding:1.5rem 1.25rem}.count .tage{font-size:3rem}}

:root{--schraeg:clamp(22px,3vw,56px)}
.band-a,.band-b{padding-top:calc(4.5rem + var(--schraeg));padding-bottom:calc(4.5rem + var(--schraeg))}
.band-a{clip-path:polygon(0 0,100% var(--schraeg),100% calc(100% - var(--schraeg)),0 100%)}
.band-b{clip-path:polygon(0 var(--schraeg),100% 0,100% 100%,0 calc(100% - var(--schraeg)))}
.band-anschluss{margin-top:calc(-1 * var(--schraeg))}
.problem-section.band-a{clip-path:polygon(0 -200px,100% -200px,100% calc(100% - var(--schraeg)),0 100%);padding-top:6rem}
.problem-section.band-b{clip-path:polygon(0 -200px,100% -200px,100% 100%,0 calc(100% - var(--schraeg)));padding-top:6rem}
.site-footer.band-a{clip-path:polygon(0 0,100% var(--schraeg),100% 100%,0 100%);padding-top:calc(3.5rem + var(--schraeg));margin-top:calc(-1 * var(--schraeg))}
.site-footer.band-b{clip-path:polygon(0 var(--schraeg),100% 0,100% 100%,0 100%);padding-top:calc(3.5rem + var(--schraeg));margin-top:calc(-1 * var(--schraeg))}
.site-footer.band-a.band-anschluss,.site-footer.band-b.band-anschluss{margin-top:calc(-1 * var(--schraeg))}
@media(max-width:900px){.band-a,.band-b{padding-top:calc(3.25rem + var(--schraeg));padding-bottom:calc(3.25rem + var(--schraeg))}.problem-section.band-a,.problem-section.band-b{padding-top:4rem}}
@media(max-width:900px){#clara-trigger{bottom:calc(54px + 1.1rem)!important}#clara-overlay{bottom:calc(54px + 1.1rem + 100px)!important;max-height:calc(100vh - 54px - 130px)!important}}
.site-footer.band-a,.site-footer.band-b{padding-bottom:1.5rem}
.site-footer .footer-bottom{margin-top:1.75rem;padding-top:1.1rem}
@media(max-width:900px){.site-footer.band-a,.site-footer.band-b{padding-bottom:calc(1rem + 60px)}}

/* Pflegeberatung: Hero mit Frist-Rechner */
.pb-hero{padding:2.75rem 0 4.5rem;background:linear-gradient(180deg,#fff 0%,var(--off) 100%);position:relative}
.pb-hero .container{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(360px,480px);gap:4rem;align-items:start}
.pb-hero .hero-text{max-width:100%}
.pb-hero h1{max-width:none}
.pb-fragen{list-style:none;margin:0 0 1.4rem;display:flex;flex-direction:column;gap:.35rem}
.pb-fragen li{font-family:'Inter',sans-serif;font-style:italic;color:var(--muted);font-size:1rem;padding-left:1.1rem;position:relative}
.pb-fragen li::before{content:'„';position:absolute;left:0;top:-.1em;color:var(--terra);font-size:1.3rem;font-style:normal}
.pb-hero .lead{font-size:1.06rem;color:var(--ink-soft);line-height:1.72;margin:0 0 1.4rem;max-width:620px}
.pb-hero .lead b{color:var(--ink)}
.pb-hero .btn-row{margin-top:.6rem}
.pb-hero .hero-trust{margin-top:1.6rem}
.pb-hero .hero-trust .pill{background:#fff;border:1px solid var(--border);border-radius:999px;padding:.35rem .8rem;font-size:.8rem}
.frist{background:#fff;border:1px solid var(--border);border-radius:18px;padding:1.75rem 1.9rem;box-shadow:0 24px 60px -30px rgba(34,69,105,.45);position:relative}
.frist::before{content:'';position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--navy),var(--terra));border-radius:18px 18px 0 0}
.frist h2{font-family:'Inter',sans-serif;font-size:1.25rem;font-weight:800;line-height:1.3;margin:0 0 .3rem;letter-spacing:-.01em}
.frist .sub{font-size:.9rem;color:var(--muted);margin-bottom:.75rem}
.frist label,.frist .frage-t{display:block;font-weight:700;font-size:.85rem;margin-top:1rem}
.frist select,.frist input[type=date]{width:100%;margin-top:.4rem;padding:.8rem .9rem;font:inherit;font-size:.95rem;border:1px solid var(--border);border-radius:10px;background:#fff;color:var(--ink)}
.frist input[type=date]:disabled{background:var(--off);color:var(--muted)}
.frist .radios{display:flex;flex-direction:column;gap:.45rem;margin-top:.5rem}
.frist .radios label{margin:0;display:flex;align-items:flex-start;gap:.6rem;font-weight:600;font-size:.9rem;padding:.65rem .8rem;border:1px solid var(--border);border-radius:10px;cursor:pointer;line-height:1.4}
.frist .radios label:has(input:checked){border-color:var(--navy);background:var(--off)}
.frist .radios input{margin-top:.2rem;flex-shrink:0;accent-color:var(--navy)}
.frist .zeile{display:grid;grid-template-columns:1fr auto;gap:.8rem;align-items:end}
.frist .zeile label.check{display:flex;align-items:center;gap:.45rem;font-weight:600;font-size:.85rem;margin:0 0 .75rem;white-space:nowrap}
.frist .zeile label.check input{accent-color:var(--navy)}
.frist button{margin-top:1.3rem;width:100%;font:inherit;cursor:pointer;justify-content:center;border-radius:12px;font-size:1rem;padding:1rem 1.5rem}
.frist .hinweis{font-size:.78rem;color:var(--muted);margin-top:.9rem;line-height:1.5}
.frist .erg{display:none;margin-top:1.2rem;padding:1.1rem 1.2rem;border-radius:12px;border-left:4px solid var(--navy);background:var(--off)}
.frist .erg.zeigen{display:block}
.frist .erg.late{border-left-color:var(--terra);background:#f9ecea}
.frist .erg.free{border-left-color:var(--blue)}
.frist .erg h3{font-family:'Inter',sans-serif;font-size:1.05rem;margin:0 0 .3rem}
.frist .erg .date{display:block;font-family:'Inter',sans-serif;font-size:1.35rem;font-weight:800;color:var(--terra);margin:.1rem 0 .5rem;letter-spacing:-.01em}
.frist .erg p{font-size:.9rem;color:var(--ink-soft);line-height:1.6;margin:0 0 .5rem}
.frist .erg p:last-child{margin-bottom:0}
.frist .erg a.btn-primary{padding:.7rem 1.1rem .7rem 1.25rem;font-size:.88rem;margin-top:.3rem}
@media(max-width:1000px){.pb-hero .container{grid-template-columns:1fr;gap:2.5rem}.frist{max-width:640px}}
@media(max-width:640px){.pb-hero{padding:1.75rem 0 3rem}.frist{padding:1.4rem 1.15rem}.frist .zeile{grid-template-columns:1fr}.frist .zeile label.check{margin:.5rem 0 0}}

/* Zwei Listen: das passiert / das passiert nicht */
.ja-nein{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem 3rem;margin-top:2rem}
.ja-nein h3{font-family:'Inter',sans-serif;font-size:1.08rem;font-weight:700;margin-bottom:.9rem;display:flex;align-items:center;gap:.6rem}
.ja-nein h3 .ic{color:var(--terra)}
.ja-nein ul{list-style:none;display:flex;flex-direction:column}
.ja-nein li{display:flex;gap:.75rem;align-items:flex-start;padding:.7rem 0;border-top:1px solid var(--line);font-size:.97rem;color:var(--ink-soft);line-height:1.6}
.ja-nein li:last-child{border-bottom:1px solid var(--line)}
.ja-nein li .ic{flex-shrink:0;margin-top:.3rem;color:var(--navy)}
.ja-nein .nein li .ic{color:var(--muted)}
.ja-nein li strong{color:var(--ink)}
.gesetz{margin-top:2.25rem;padding:1.4rem 1.6rem;background:#fff;border-left:4px solid var(--terra);border-radius:0 12px 12px 0;font-size:.98rem;line-height:1.65;color:var(--ink-soft);max-width:960px}
.gesetz strong{color:var(--ink)}
.gesetz p+p{margin-top:.6rem}
.bg-white .gesetz{background:var(--off)}
.tabelle-titel{font-family:'Inter',sans-serif;font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:2.25rem 0 .25rem}
.tabelle td strong{color:var(--terra)}
.tabelle tr.markiert td{background:#faf1ef}
.tabelle td small{display:block;font-weight:500;color:var(--muted);font-size:.8rem;margin-top:.15rem}

/* Kinder-Karten */
.kinder-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.kinder-grid .card{padding:1.6rem 1.6rem 1.5rem;background:#fff;border:1px solid var(--border);border-top:3px solid var(--navy);border-radius:14px}
.kinder-grid .card.terra{border-top-color:var(--terra)}
.kinder-grid .card h3{font-size:1.15rem}
.kinder-grid .card ul{margin:.7rem 0 .6rem 1.1rem}
.kinder-grid .card p.quelle{font-size:.88rem;color:var(--muted);margin-top:.6rem}
.bg-soft .kinder-grid .card,.bg-cream .kinder-grid .card{background:#fff}
@media(max-width:1000px){.kinder-grid{grid-template-columns:1fr}.ja-nein{grid-template-columns:1fr;gap:1.75rem}}

/* Vorbereitung */
.tipps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2rem}
.tipp{background:#fff;border:1px solid var(--border);border-radius:14px;padding:1.4rem 1.5rem;display:flex;gap:1rem;align-items:flex-start}
.tipp .n{font-family:'Inter',sans-serif;font-size:1.6rem;font-weight:800;color:var(--terra);line-height:1;flex-shrink:0;width:2.2rem}
.tipp h3{font-family:'Inter',sans-serif;font-size:1.02rem;font-weight:700;margin-bottom:.4rem;line-height:1.3}
.tipp p{font-size:.93rem;color:var(--ink-soft);line-height:1.62}
@media(max-width:1000px){.tipps{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.tipps{grid-template-columns:1fr}}

/* Warum wir: dunkle Karten */
.bg-dark .grid-3 .card{padding:1.5rem 1.5rem 1.4rem;background:rgba(255,255,255,.06);border:1px solid var(--line-dark);border-top:3px solid var(--blue-l);border-radius:14px}
.bg-dark .grid-3 .card p{color:rgba(255,255,255,.86)}

/* Ablauf mit Nummern */
.ablauf{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;margin-top:2.25rem;counter-reset:schritt}
.ablauf li{list-style:none;padding-top:1.2rem;border-top:2px solid var(--line);position:relative}
.ablauf li .n{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Inter',sans-serif;font-weight:800;display:grid;place-items:center;margin-bottom:.8rem;font-size:.95rem}
.ablauf h3{font-family:'Inter',sans-serif;font-size:1.05rem;font-weight:700;margin-bottom:.45rem}
.ablauf p{font-size:.93rem;color:var(--ink-soft);line-height:1.62}
@media(max-width:1000px){.ablauf{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.ablauf{grid-template-columns:1fr}}

/* Leistungen */
.leist-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2rem}
.leist-grid .card{padding:1.4rem 1.5rem;background:#fff;border:1px solid var(--border);border-radius:14px;border-top:0}
.leist-grid .card h3{font-size:1.02rem}
.leist-grid .card .betrag{font-family:'Inter',sans-serif;font-weight:800;color:var(--terra);font-size:1.25rem;margin-bottom:.4rem;letter-spacing:-.01em}
@media(max-width:1000px){.leist-grid{grid-template-columns:1fr}}

/* Kontakt */
.kontakt-liste{list-style:none;margin-top:1.5rem;display:flex;flex-direction:column;gap:.9rem}
.kontakt-liste li{display:flex;gap:.9rem;align-items:flex-start}
.kontakt-liste .ico{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.12);display:grid;place-items:center;flex-shrink:0;color:#fff}
.kontakt-liste b{display:block;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--blue-l);margin-bottom:.15rem}
.kontakt-liste span,.kontakt-liste a{font-size:.98rem;color:#fff;line-height:1.5}
.kontakt-liste a{text-decoration:none;font-weight:700}
.kontakt-liste a:hover{text-decoration:underline}
.bg-dark .kontakt-form{background:#fff;color:var(--ink);border-radius:16px}
.bg-dark .kontakt-form h3{color:var(--ink)}
.bg-dark .kontakt-form .sub,.bg-dark .kontakt-form label,.bg-dark .kontakt-form .zustimmung{color:var(--ink-soft)}
.bg-dark .kontakt-form label{color:var(--ink)}
.bg-dark .kontakt-form .zustimmung a{color:var(--navy)}
.kontakt-form input,.kontakt-form select,.kontakt-form textarea{border-radius:10px}
.kontakt-form .quiet{font-size:.8rem;color:var(--muted);margin-top:.9rem;line-height:1.5}
.cta-box{align-items:start}
.cta-box .lead-hell{color:rgba(255,255,255,.9);font-size:1.05rem;line-height:1.7;margin-bottom:.5rem}
.footer-rechtsstand{margin-top:2rem;font-size:.8rem;line-height:1.6;color:rgba(255,255,255,.62);max-width:900px}
.badge-zeile{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.4rem}
.badge-zeile span{display:inline-flex;align-items:center;gap:.4rem;background:rgba(255,255,255,.1);border:1px solid var(--line-dark);border-radius:999px;padding:.35rem .8rem;font-size:.8rem;color:#fff}