/* AM Business GmbH – «Weitsicht»
   Logoblau, Nachtblau, Walensee-Türkis. Noto Serif Display × Ysabeau Office. */
:root {
  --ink: #0b1f3f;
  --ink-2: #1d3357;
  --text: #1b2a42;
  --muted: #5b6b84;
  --blue: #144a9c;
  --blue-2: #1f5fc4;
  --blue-soft: #e8eef8;
  --lake: #138a85;
  --lake-hell: #5cc7bf;
  --lake-soft: #e2f3f1;
  --paper: #f5f7fa;
  --stone: #f0ece5;
  --line: #dde4ee;
  --line-2: #c9d3e1;
  --white: #fff;
  --warn: #b5541c;
  --serif: 'Noto Serif Display', Georgia, 'Times New Roman', serif;
  --sans: 'Ysabeau Office', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --r: 6px;
  --r-gross: 18px;
  --schatten: 0 1px 2px rgba(11, 31, 63, .06), 0 12px 32px -12px rgba(11, 31, 63, .18);
  --schatten-gross: 0 30px 80px -30px rgba(11, 31, 63, .45);
  --kopf: 92px;
  --wrap: 1240px;
  --rand: clamp(18px, 4vw, 40px);
}
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--kopf) + 16px); }
body { margin: 0; background: var(--white); color: var(--text); font: 400 1.125rem/1.62 var(--sans); font-feature-settings: "lnum" 1, "kern" 1; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: .18em; }
a:hover { color: var(--blue-2); }
p { margin: 0 0 1em; }
h1, h2, h3, h4 { margin: 0; color: var(--ink); font-weight: 400; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--blue-2); outline-offset: 3px; border-radius: 3px; }
.ic { width: 1.15em; height: 1.15em; flex: none; vertical-align: -.18em; }
.skip { position: absolute; left: -999px; top: 8px; z-index: 100; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: var(--r); }
.skip:focus { left: 8px; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--rand); }
.wrap--schmal { max-width: 900px; }
.wrap--text { max-width: 780px; }
.sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.demo-band { background: #fff4d6; color: #6b4a00; font-size: .82rem; text-align: center; padding: 6px 12px; letter-spacing: .02em; }

/* ---------------------------------------------------------------- Typografie */
.h1 { font: 400 clamp(2.5rem, 5.6vw, 4.9rem)/1.03 var(--serif); letter-spacing: -.015em; color: var(--ink); text-wrap: balance; }
.h1 em, .h2 em, .h3 em { font-style: italic; color: var(--blue); }
.h2 { font: 400 clamp(2rem, 3.6vw, 3.25rem)/1.08 var(--serif); letter-spacing: -.01em; text-wrap: balance; }
.h3 { font: 500 clamp(1.35rem, 2vw, 1.7rem)/1.2 var(--serif); }
.lead { font-size: clamp(1.18rem, 1.6vw, 1.38rem); line-height: 1.55; color: var(--ink-2); max-width: 46ch; }
.marke-titel { display: inline-flex; align-items: center; gap: .6em; margin: 0 0 1.1rem; font: 700 .78rem/1 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--blue); }
.marke-titel::before { content: ""; width: 26px; height: 9px; background: currentColor; -webkit-mask: radial-gradient(circle at 4.5px 4.5px, #000 3.5px, transparent 4px) 0 0 / 9px 9px repeat-x; mask: radial-gradient(circle at 4.5px 4.5px, #000 3.5px, transparent 4px) 0 0 / 9px 9px repeat-x; opacity: .9; }
.hell .marke-titel, .marke-titel--hell { color: var(--lake-hell); }
.text h2 { font: 400 clamp(1.7rem, 2.6vw, 2.3rem)/1.15 var(--serif); margin: 2.2em 0 .6em; }
.text h3 { font: 600 1.25rem/1.3 var(--sans); color: var(--ink); margin: 1.8em 0 .4em; }
.text ul, .text ol { padding-left: 1.2em; margin: 0 0 1.2em; }
.text li { margin: .35em 0; }
.text li::marker { color: var(--blue); }
.text table { width: 100%; border-collapse: collapse; margin: 1.2em 0 1.6em; font-size: 1rem; }
.text th, .text td { text-align: left; padding: .7em .8em; border-bottom: 1px solid var(--line); vertical-align: top; }
.text th { font-weight: 700; color: var(--ink); background: var(--paper); }
.text blockquote { margin: 1.5em 0; padding: 1.1em 1.4em; border-left: 3px solid var(--lake); background: var(--lake-soft); border-radius: 0 var(--r) var(--r) 0; }
.text > :first-child { margin-top: 0; }
.text, .faq__a, .kurz, .karte__text { overflow-wrap: break-word; }
.kompass > * { min-width: 0; }
.tabelle-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ---------------------------------------------------------------- Knöpfe */
.knopf { display: inline-flex; align-items: center; justify-content: center; gap: .55em; min-height: 52px; padding: 0 1.55em; border-radius: 999px; border: 1px solid var(--ink); background: var(--ink); color: #fff; font: 700 1rem/1.1 var(--sans); letter-spacing: .01em; text-decoration: none; cursor: pointer; transition: background .2s, border-color .2s, color .2s, transform .2s; white-space: nowrap; }
.knopf:hover { background: var(--blue); border-color: var(--blue); color: #fff; }
.knopf:active { transform: translateY(1px); }
.knopf .ic { transition: transform .25s; }
.knopf:hover .ic:last-child { transform: translateX(3px); }
.knopf--blau { background: var(--blue); border-color: var(--blue); }
.knopf--blau:hover { background: var(--ink); border-color: var(--ink); }
.knopf--hell { background: #fff; border-color: #fff; color: var(--ink); }
.knopf--hell:hover { background: var(--blue-soft); border-color: var(--blue-soft); color: var(--ink); }
.knopf--glas { background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .55); color: #fff; -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); }
.knopf--glas:hover { background: rgba(255, 255, 255, .22); border-color: #fff; }
.knopf--rand { background: transparent; color: var(--ink); border-color: var(--line-2); }
.knopf--rand:hover { background: var(--ink); border-color: var(--ink); color: #fff; }
.knopf--klein { min-height: 44px; padding: 0 1.2em; font-size: .95rem; }
.knopf[disabled] { opacity: .5; cursor: not-allowed; }
.link-pfeil { display: inline-flex; align-items: center; gap: .45em; font-weight: 700; text-decoration: none; color: var(--blue); }
.link-pfeil:hover .ic { transform: translateX(3px); }
.link-pfeil .ic { transition: transform .2s; }
.aktionen { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* ---------------------------------------------------------------- Hinweisband (Fristen) */
.band { background: var(--ink); color: #dfe8f6; font-size: .94rem; position: relative; z-index: 31; }
.band__in { display: flex; align-items: center; justify-content: center; gap: .8em; padding: 9px 46px 9px var(--rand); text-align: center; flex-wrap: wrap; }
.band b { color: #fff; font-weight: 700; }
.band__zahl { display: inline-grid; place-items: center; min-width: 2.2em; height: 1.75em; padding: 0 .45em; border-radius: 4px; background: var(--lake); color: #fff; font-weight: 800; font-variant-numeric: tabular-nums; }
.band a { color: #fff; font-weight: 700; }
.band__zu { position: absolute; right: 8px; top: 50%; translate: 0 -50%; width: 34px; height: 34px; border: 0; background: none; color: #9fb2cf; cursor: pointer; border-radius: 50%; display: grid; place-items: center; }
.band__zu:hover { color: #fff; background: rgba(255, 255, 255, .08); }

/* ---------------------------------------------------------------- Kopf */
.kopf { position: sticky; top: 0; z-index: 30; background: rgba(255, 255, 255, .94); -webkit-backdrop-filter: saturate(1.4) blur(14px); backdrop-filter: saturate(1.4) blur(14px); border-bottom: 1px solid transparent; transition: background .3s, border-color .3s, box-shadow .3s; }
.kopf.ist-gescrollt { border-bottom-color: var(--line); box-shadow: 0 6px 24px -18px rgba(11, 31, 63, .4); }
.kopf__in { max-width: 1400px; margin: 0 auto; padding: 0 var(--rand); height: var(--kopf); display: flex; align-items: center; gap: 28px; }
.kopf__logo { display: block; flex: none; position: relative; line-height: 0; }
.kopf__logo .logo { height: 58px; width: auto; }
.kopf__logo-hell { position: absolute; inset: 0; opacity: 0; transition: opacity .3s; pointer-events: none; }
.kopf__nav { margin-left: auto; }
.kopf__nav > ul { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 4px; }
.kopf__nav > ul > li { position: relative; display: flex; align-items: center; }
.kopf__nav > ul > li > a { display: block; white-space: nowrap; padding: 10px 12px; color: var(--ink); font-weight: 600; font-size: 1.02rem; text-decoration: none; border-radius: var(--r); transition: color .2s; }
.kopf__nav > ul > li > a:hover, .kopf__nav > ul > li > a[aria-current] { color: var(--blue); }
.kopf__nav > ul > li > a[aria-current]::after { content: ""; display: block; height: 2px; margin-top: 3px; background: var(--blue); border-radius: 2px; }
.sub-knopf { border: 0; background: none; padding: 6px 4px 6px 0; margin-left: -8px; cursor: pointer; color: var(--muted); display: grid; place-items: center; }
.sub-knopf .ic { width: 16px; height: 16px; transition: transform .2s; }
.hat-sub:hover .sub-knopf .ic, .hat-sub.offen .sub-knopf .ic { transform: rotate(180deg); }
.sub { position: absolute; top: 100%; left: -20px; padding-top: 14px; opacity: 0; visibility: hidden; translate: 0 6px; transition: opacity .2s, translate .2s, visibility .2s; }
.hat-sub:hover .sub, .hat-sub:focus-within .sub, .hat-sub.offen .sub { opacity: 1; visibility: visible; translate: 0 0; }
.sub > ul { list-style: none; margin: 0; padding: 14px; background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--schatten-gross); display: grid; gap: 2px; }
.sub--versicherungen > ul { grid-template-columns: repeat(2, minmax(250px, 1fr)); width: 600px; }
.sub--steuern > ul { width: 330px; }
.sub a { display: flex; gap: 12px; align-items: flex-start; padding: 11px 12px; border-radius: 10px; text-decoration: none; color: var(--ink); transition: background .15s; }
.sub a:hover { background: var(--paper); color: var(--ink); }
.sub a > .ic { width: 22px; height: 22px; color: var(--blue); margin-top: 2px; }
.sub b { display: block; font-weight: 700; font-size: 1rem; line-height: 1.25; }
.sub small { display: block; color: var(--muted); font-size: .88rem; line-height: 1.3; margin-top: 2px; }
.sub__alle { grid-column: 1 / -1; display: flex; justify-content: space-between; border-top: 1px solid var(--line); margin-top: 6px; padding-top: 6px; }
.sub__alle a { font-weight: 700; color: var(--blue); align-items: center; font-size: .95rem; }
.kopf__aktion { display: flex; align-items: center; gap: 14px; flex: none; }
.kopf__tel { display: inline-flex; align-items: center; gap: 8px; color: var(--ink); font-weight: 700; text-decoration: none; font-variant-numeric: tabular-nums; }
.kopf__tel .ic { width: 18px; height: 18px; color: var(--blue); }
.burger { display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 50%; background: #fff; cursor: pointer; padding: 0; position: relative; }
.burger span { position: absolute; left: 13px; right: 13px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .25s, opacity .2s, top .25s; }
.burger span:nth-child(1) { top: 16px; } .burger span:nth-child(2) { top: 22px; } .burger span:nth-child(3) { top: 28px; right: 19px; }
.burger[aria-expanded="true"] span:nth-child(1) { top: 22px; transform: rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { top: 22px; right: 13px; transform: rotate(-45deg); }

/* Kopf hell über dem Foto (Startseite) */
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) { background: transparent; -webkit-backdrop-filter: none; backdrop-filter: none; }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .kopf__logo-hell { opacity: 1; }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .kopf__logo > .logo { opacity: 0; }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .kopf__nav > ul > li > a, .kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .kopf__tel, .kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .sub-knopf { color: #fff; }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .kopf__tel .ic { color: var(--lake-hell); }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .kopf__nav > ul > li > a[aria-current]::after { background: #fff; }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .knopf--klein { background: #fff; border-color: #fff; color: var(--ink); }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .burger { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .45); }
.kopf-hell .kopf:not(.ist-gescrollt):not(.menu-offen) .burger span { background: #fff; }
.kopf-hell #inhalt { margin-top: calc(-1 * var(--kopf)); }

/* Mobil-Menü */
.menu { position: fixed; inset: var(--menu-top, var(--kopf)) 0 0 0; z-index: 29; background: #fff; overflow-y: auto; -webkit-overflow-scrolling: touch; }
.menu[hidden] { display: none; }
.menu__in { padding: 16px var(--rand) 32px; max-width: 640px; margin: 0 auto; }
.menu__titel { margin: 22px 0 6px; font: 700 .76rem/1 var(--sans); letter-spacing: .15em; text-transform: uppercase; color: var(--muted); }
.menu__liste { list-style: none; margin: 0; padding: 0; }
.menu__liste a { display: flex; align-items: center; gap: 14px; padding: 13px 4px; border-bottom: 1px solid var(--line); color: var(--ink); text-decoration: none; font-size: 1.12rem; font-weight: 600; }
.menu__liste .ic { color: var(--blue); width: 22px; height: 22px; }
.menu__kontakt { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 18px; }
.menu__kontakt .knopf { min-height: 50px; padding: 0 12px; }
.menu__kontakt p { grid-column: 1 / -1; color: var(--muted); font-size: .9rem; text-align: center; margin: 2px 0 0; }
.menu__schnell { list-style: none; margin: 0 0 8px; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.menu__schnell a { display: flex; align-items: center; gap: 10px; min-height: 58px; padding: 10px 12px; border-radius: 14px; background: var(--paper); border: 1px solid var(--line); color: var(--ink); text-decoration: none; font-weight: 700; font-size: .95rem; line-height: 1.2; }
.menu__schnell .ic { flex: none; width: 22px; height: 22px; color: var(--blue); }
.menu__gruppe { border-bottom: 1px solid var(--line); }
.menu__gruppe summary { list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 15px 4px; font-size: 1.12rem; font-weight: 700; color: var(--ink); cursor: pointer; }
.menu__gruppe summary::-webkit-details-marker { display: none; }
.menu__gruppe summary .ic { width: 20px; height: 20px; color: var(--muted); transition: transform .2s ease; }
.menu__gruppe[open] summary .ic { transform: rotate(180deg); }
.menu__gruppe .menu__liste { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 0 12px; padding: 0 0 12px; }
.menu__gruppe .menu__liste a { padding: 10px 4px; gap: 10px; border-bottom: 0; font-size: .98rem; line-height: 1.25; -webkit-hyphens: auto; hyphens: auto; }
@media (max-width: 380px) { .menu__gruppe .menu__liste a { font-size: .93rem; gap: 8px; } }
.menu__gruppe .menu__liste .ic { flex: none; width: 18px; height: 18px; }
.menu__gruppe .menu__liste span { min-width: 0; }
.menu__mehr { list-style: none; margin: 4px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; }
.menu__mehr a { display: block; padding: 12px 4px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: 1.02rem; }
.menu a[aria-current] { color: var(--blue); }
.menu__schnell a[aria-current] { border-color: var(--blue); }
@media (prefers-reduced-motion: reduce) { .menu__gruppe summary .ic { transition: none; } }

/* ---------------------------------------------------------------- Abschnitte */
.sek { padding: clamp(72px, 9vw, 136px) 0; position: relative; }
.sek--papier { background: var(--paper); }
.sek--stein { background: var(--stone); }
.sek--nacht { background: var(--ink); color: #c9d5e8; }
.sek--nacht h2, .sek--nacht h3, .sek--nacht .h2, .sek--nacht .h3 { color: #fff; }
.sek--nacht .lead { color: #c9d5e8; }
.sek--nacht a:not(.knopf) { color: #fff; }
.sek__kopf { display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px 80px; align-items: end; margin-bottom: clamp(40px, 5vw, 64px); }
.sek__kopf .lead { margin: 0; }
.sek__kopf--zentriert { grid-template-columns: 1fr; text-align: center; justify-items: center; }
.sek__kopf--zentriert .lead { max-width: 60ch; }
.reveal { opacity: 0; translate: 0 24px; transition: opacity .8s cubic-bezier(.2, .7, .2, 1), translate .8s cubic-bezier(.2, .7, .2, 1); }
.reveal.da { opacity: 1; translate: 0 0; }
.reveal--2 { transition-delay: .12s; } .reveal--3 { transition-delay: .24s; } .reveal--4 { transition-delay: .36s; }

/* ---------------------------------------------------------------- Hero (Start) */
.hero { position: relative; min-height: min(100svh, 940px); display: flex; flex-direction: column; color: #fff; overflow: hidden; background: var(--ink); isolation: isolate; }
.hero__bild { position: absolute; inset: 0; z-index: -2; }
.hero__img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 62%; transform: scale(1.06); animation: heroZoom 18s cubic-bezier(.2, .6, .2, 1) forwards; }
@keyframes heroZoom { to { transform: scale(1); } }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background:
  linear-gradient(180deg, rgba(8, 24, 50, .72) 0%, rgba(8, 24, 50, .38) 30%, rgba(8, 24, 50, .08) 52%, rgba(8, 24, 50, .25) 72%, rgba(8, 24, 50, .82) 100%),
  linear-gradient(90deg, rgba(8, 24, 50, .55) 0%, rgba(8, 24, 50, 0) 60%); }
.hero__wellen { position: absolute; inset: 0; z-index: -1; width: 100%; height: 100%; pointer-events: none; opacity: .9; }
.hero__in { flex: 1; display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(320px, .6fr); gap: 40px 56px; align-items: end; padding-top: calc(var(--kopf) + clamp(40px, 7vh, 96px)); padding-bottom: clamp(110px, 13vh, 150px); }
.hero__text { max-width: 860px; align-self: start; }
.hero__ort { display: inline-flex; align-items: center; gap: 10px; margin: 0 0 22px; padding: 7px 14px 7px 9px; border-radius: 999px; background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .25); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px); font-size: .92rem; font-weight: 600; letter-spacing: .02em; }
.hero__ort img { width: 22px; height: 22px; }
.hero h1 { color: #fff; font: 400 clamp(2.5rem, 4.7vw, 4.75rem)/1.03 var(--serif); letter-spacing: -.02em; text-wrap: balance; text-shadow: 0 2px 30px rgba(0, 10, 30, .25); }
.hero h1 em { color: #bfe6e2; font-style: italic; }
.hero__lead { margin: 26px 0 34px; font-size: clamp(1.15rem, 1.6vw, 1.35rem); line-height: 1.55; color: #e4ecf7; max-width: 40ch; }
.hero .aktionen { gap: 14px; }
.lage { align-self: end; background: rgba(9, 25, 52, .52); border: 1px solid rgba(255, 255, 255, .18); border-radius: 20px; padding: 24px; -webkit-backdrop-filter: blur(18px) saturate(1.3); backdrop-filter: blur(18px) saturate(1.3); box-shadow: 0 30px 80px -30px rgba(0, 0, 0, .55); }
.lage__titel { margin: 0 0 4px; font: 400 1.5rem/1.2 var(--serif); color: #fff; }
.lage__text { margin: 0 0 16px; color: #c4d2e8; font-size: .98rem; }
.lage__liste { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.lage__liste a { display: flex; align-items: center; gap: 12px; padding: 12px 14px; border-radius: 12px; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .1); color: #fff; text-decoration: none; font-weight: 600; transition: background .2s, border-color .2s, transform .2s; }
.lage__liste a:hover { background: rgba(255, 255, 255, .16); border-color: rgba(255, 255, 255, .3); transform: translateX(3px); }
.lage__liste .ic { color: var(--lake-hell); width: 20px; height: 20px; }
.lage__liste small { margin-left: auto; color: #9fb2cf; font-weight: 500; font-size: .84rem; white-space: nowrap; }
.lage__liste .lage__frist small { color: #fff; background: var(--lake); padding: 2px 8px; border-radius: 999px; font-weight: 700; }

/* Vertrauensleiste unter dem Hero */
.vertrauen { position: relative; z-index: 3; margin-top: -64px; }
.vertrauen__in { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border-radius: 18px; box-shadow: var(--schatten-gross); border: 1px solid var(--line); overflow: hidden; }
.vertrauen__item { display: flex; gap: 14px; align-items: center; padding: 22px 24px; border-left: 1px solid var(--line); }
.vertrauen__item:first-child { border-left: 0; }
.vertrauen__item .ic { width: 30px; height: 30px; color: var(--blue); }
.vertrauen__item b { display: block; color: var(--ink); font-size: 1.05rem; line-height: 1.2; }
.vertrauen__item span { display: block; color: var(--muted); font-size: .9rem; line-height: 1.3; }

/* ---------------------------------------------------------------- Broker statt Agent */
.broker { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(40px, 6vw, 96px); align-items: center; }
.broker__bild { position: relative; }
.broker__img { border-radius: var(--r-gross); aspect-ratio: 4 / 5; object-fit: cover; width: 100%; }
.broker__karte { position: absolute; right: -28px; bottom: 36px; max-width: 280px; background: #fff; border-radius: 14px; padding: 18px 20px; box-shadow: var(--schatten-gross); border: 1px solid var(--line); }
.broker__karte p { margin: 0; font-size: .96rem; line-height: 1.45; }
.broker__karte b { display: block; font: 500 1.15rem/1.25 var(--serif); color: var(--ink); margin-bottom: 6px; }
.vergleich { margin-top: 34px; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; background: #fff; }
.vergleich__zeile { display: grid; grid-template-columns: 1fr 1fr; }
.vergleich__zeile + .vergleich__zeile { border-top: 1px solid var(--line); }
.vergleich__zeile > div { padding: 14px 18px; font-size: 1rem; line-height: 1.45; }
.vergleich__zeile > div + div { border-left: 1px solid var(--line); background: var(--blue-soft); color: var(--ink); }
.vergleich__kopf > div { font: 700 .78rem/1.2 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--muted); padding-top: 16px; padding-bottom: 12px; }
.vergleich__kopf > div + div { color: var(--blue); }
.vergleich .ic { color: var(--lake); margin-right: 6px; }

/* ---------------------------------------------------------------- Leistungsregister */
.register { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 80px); align-items: start; }
.register__liste { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line-2); }
.register__liste li { border-bottom: 1px solid var(--line-2); }
.register__a { display: grid; grid-template-columns: 44px 1fr auto; gap: 18px; align-items: center; padding: 22px 6px; text-decoration: none; color: var(--ink); transition: padding .3s, background .3s; border-radius: 4px; }
.register__a > .ic { width: 28px; height: 28px; color: var(--blue); justify-self: center; }
.register__name { display: block; font: 400 clamp(1.45rem, 2.1vw, 1.9rem)/1.15 var(--serif); }
.register__kurz { display: block; color: var(--muted); font-size: 1rem; line-height: 1.45; margin-top: 4px; max-width: 52ch; }
.register__pfeil { width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line-2); display: grid; place-items: center; color: var(--ink); transition: background .25s, color .25s, border-color .25s, transform .25s; }
.register__a:hover, .register__a.aktiv { padding-left: 16px; background: linear-gradient(90deg, var(--blue-soft), transparent 80%); color: var(--ink); }
.register__a:hover .register__pfeil, .register__a.aktiv .register__pfeil { background: var(--ink); border-color: var(--ink); color: #fff; transform: rotate(-35deg); }
.register__bild { position: sticky; top: calc(var(--kopf) + 32px); border-radius: var(--r-gross); overflow: hidden; aspect-ratio: 4 / 5; background: var(--ink); box-shadow: var(--schatten-gross); }
.register__bild img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0; transform: scale(1.04); transition: opacity .6s, transform 1.2s cubic-bezier(.2, .7, .2, 1); }
.register__bild img.aktiv { opacity: 1; transform: scale(1); }
.register__bild::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 55%, rgba(8, 24, 50, .82)); }
.register__legende { position: absolute; left: 26px; right: 26px; bottom: 24px; z-index: 2; color: #fff; }
.register__legende b { display: block; font: 400 1.6rem/1.15 var(--serif); }
.register__legende span { display: block; color: #d3deef; font-size: 1rem; margin-top: 6px; }

/* ---------------------------------------------------------------- Schutzkugel (Versicherungs-Check) */
.kompass { display: grid; grid-template-columns: minmax(280px, .82fr) minmax(0, 1.18fr); gap: clamp(28px, 4vw, 64px); align-items: start; }
.kompass__frage { margin: 0 0 18px; font: 700 .78rem/1 var(--sans); letter-spacing: .15em; text-transform: uppercase; color: var(--lake-hell); }
.frage { border: 0; margin: 0 0 20px; padding: 0 0 20px; border-bottom: 1px solid rgba(255, 255, 255, .1); min-width: 0; }
.frage:last-of-type { border-bottom: 0; }
.frage__titel { padding: 0; margin: 0 0 10px; font-weight: 700; color: #fff; font-size: 1.02rem; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-flex; align-items: center; gap: 10px; min-height: 44px; padding: 0 16px 0 12px; border-radius: 999px; border: 1px solid var(--line-2); background: #fff; color: var(--ink); font-weight: 600; font-size: .98rem; cursor: pointer; transition: background .2s, border-color .2s, color .2s; user-select: none; text-align: left; line-height: 1.2; }
.chip:hover { border-color: var(--blue); }
.chip__wahl { flex: none; width: 18px; height: 18px; border: 1.5px solid currentColor; opacity: .7; position: relative; }
.chip--eins .chip__wahl { border-radius: 50%; }
.chip--dazu .chip__wahl { border-radius: 5px; }
.chip[aria-pressed="true"] .chip__wahl { opacity: 1; background: var(--lake); border-color: var(--lake); }
.chip--eins[aria-pressed="true"] .chip__wahl::after { content: ""; position: absolute; inset: 4px; border-radius: 50%; background: #fff; }
.chip--dazu[aria-pressed="true"] .chip__wahl::after { content: ""; position: absolute; left: 5px; top: 1.5px; width: 5px; height: 9px; border: solid #fff; border-width: 0 2px 2px 0; transform: rotate(45deg); }
.sek--nacht .chip { background: rgba(255, 255, 255, .04); border-color: rgba(255, 255, 255, .2); color: #dbe5f3; }
.sek--nacht .chip:hover { border-color: rgba(255, 255, 255, .55); }
.sek--nacht .chip[aria-pressed="true"] { background: rgba(92, 199, 191, .14); border-color: var(--lake-hell); color: #fff; }
.kompass__neu { margin-top: 2px; border: 0; background: none; color: #9fb2cf; font-size: .92rem; text-decoration: underline; text-underline-offset: .2em; cursor: pointer; padding: 6px 0; }
.kompass__neu:hover { color: #fff; }
.kompass__ergebnis { background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .1); border-radius: 22px; padding: clamp(20px, 2.6vw, 34px); min-width: 0; }
.kompass__kopf { display: flex; gap: 22px; align-items: center; padding-bottom: 20px; margin-bottom: 8px; border-bottom: 1px solid rgba(255, 255, 255, .1); }
.kompass__kugel { flex: none; width: 150px; height: 150px; }
.kompass__kugel canvas { width: 100%; height: 100%; display: block; }
.kompass__zahl { margin: 0 0 6px; font: 400 clamp(1.35rem, 2vw, 1.75rem)/1.25 var(--serif); color: #fff; }
.kompass__zahl b { font-weight: 500; color: var(--lake-hell); }
.kompass__hinweis { margin: 0; color: #9fb2cf; font-size: .92rem; line-height: 1.45; }
.stufe { padding-top: 18px; }
.stufe__titel { display: flex; align-items: center; gap: 10px; margin: 0 0 10px; font: 700 .78rem/1 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: #fff; }
.stufe__titel i { width: 12px; height: 12px; border-radius: 3px; background: var(--farbe); }
.stufe__titel small { font: 600 .82rem/1 var(--sans); letter-spacing: 0; text-transform: none; color: #9fb2cf; }
.ergebnis { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.ergebnis a { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 14px; align-items: center; padding: 12px 16px; border-radius: 12px; background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .08); border-left: 3px solid var(--farbe); color: #fff; text-decoration: none; transition: background .2s; }
.ergebnis a:hover, .ergebnis a.hell { background: rgba(255, 255, 255, .1); color: #fff; }
.ergebnis b { display: block; font-weight: 700; line-height: 1.3; }
.ergebnis span { display: block; color: #b4c3da; font-size: .93rem; line-height: 1.45; margin-top: 3px; }
.ergebnis .ic { color: #9fb2cf; width: 18px; height: 18px; }
.stufe--rest { margin-top: 18px; padding: 14px 16px; border-radius: 12px; border: 1px dashed rgba(255, 255, 255, .16); color: #9fb2cf; font-size: .95rem; line-height: 1.5; }
.stufe--rest b { color: #dbe5f3; font-weight: 700; }
.stufe--leer { color: #9fb2cf; font-size: .98rem; padding: 18px 0 4px; }
.kompass__aktion { margin-top: 24px; display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------------------------------------------------------------- Steuer-Teaser & Preise */
.steuer { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 6vw, 96px); align-items: center; }
.steuer__bild { position: relative; }
.steuer__img { border-radius: var(--r-gross); width: 100%; aspect-ratio: 1 / 1; object-fit: cover; }
.steuer__stempel { position: absolute; left: -22px; top: 30px; width: 136px; height: 136px; border-radius: 50%; background: var(--lake); color: #fff; display: grid; place-content: center; text-align: center; transform: rotate(-8deg); box-shadow: var(--schatten-gross); }
.steuer__stempel b { font: 500 2.4rem/1 var(--serif); }
.steuer__stempel span { font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; line-height: 1.25; }
.preise { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 30px 0 18px; }
.preis { border: 1px solid var(--line); border-radius: 14px; padding: 20px 18px; background: #fff; display: flex; flex-direction: column; }
.preis--top { border-color: var(--blue); box-shadow: 0 0 0 1px var(--blue), var(--schatten); }
.preis__titel { font-weight: 700; color: var(--ink); line-height: 1.25; font-size: 1rem; min-height: 2.5em; }
.preis__betrag { font: 400 2.5rem/1 var(--serif); color: var(--ink); margin: 12px 0 8px; }
.preis__betrag small { font: 700 .9rem/1 var(--sans); color: var(--muted); margin-right: 4px; }
.preis__text { font-size: .92rem; color: var(--muted); line-height: 1.4; margin: 0; }
.fussnote { font-size: .92rem; color: var(--muted); line-height: 1.5; }
.schritte { list-style: none; counter-reset: s; margin: 26px 0 30px; padding: 0; display: grid; gap: 14px; }
.schritte li { counter-increment: s; display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: start; }
.schritte li::before { content: counter(s); width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-soft); color: var(--blue); font: 500 1.15rem/1 var(--serif); }
.schritte b { display: block; color: var(--ink); }
.schritte span { color: var(--muted); font-size: 1rem; }

/* ---------------------------------------------------------------- Online-Schalter */
.schalter { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 14px; }
.schalter__a { position: relative; display: flex; flex-direction: column; gap: 10px; padding: 22px 22px 20px; border-radius: 16px; background: #fff; border: 1px solid var(--line); text-decoration: none; color: var(--text); transition: border-color .25s, box-shadow .25s, transform .25s; min-height: 100%; }
.schalter__a:hover { border-color: var(--blue); box-shadow: var(--schatten); transform: translateY(-2px); color: var(--text); }
.schalter__ic { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-soft); color: var(--blue); display: grid; place-items: center; }
.schalter__ic .ic { width: 24px; height: 24px; }
.schalter__titel { font: 500 1.28rem/1.2 var(--serif); color: var(--ink); }
.schalter__text { font-size: .98rem; line-height: 1.5; color: var(--muted); margin: 0; flex: 1; }
.schalter__fuss { display: flex; align-items: center; justify-content: space-between; gap: 10px; font-size: .9rem; font-weight: 700; color: var(--blue); }
.schalter__fuss small { color: var(--lake); font-weight: 700; display: inline-flex; gap: 5px; align-items: center; }
.schalter__fuss small::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--lake); box-shadow: 0 0 0 3px var(--lake-soft); }
.schalter-gruppe + .schalter-gruppe { margin-top: 56px; }
.schalter-gruppe__kopf { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 40px; align-items: end; margin-bottom: 22px; }
.schalter-gruppe__kopf p { margin: 0; color: var(--muted); }
.schalter-mini { display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; }
.schalter-mini a { display: flex; flex-direction: column; gap: 10px; padding: 16px; border-radius: 14px; border: 1px solid rgba(255, 255, 255, .14); background: rgba(255, 255, 255, .05); color: #fff; text-decoration: none; font-weight: 700; line-height: 1.25; transition: background .2s, border-color .2s; }
.schalter-mini a:hover { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .35); }
.schalter-mini .ic { width: 24px; height: 24px; color: var(--lake-hell); }
.schalter-mini small { font-weight: 500; color: #9fb2cf; font-size: .84rem; }

/* ---------------------------------------------------------------- Region / Ortsnetz */
.region { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(36px, 5vw, 80px); align-items: center; }
.ortsnetz { position: relative; border-radius: var(--r-gross); overflow: hidden; background: #0d2447; aspect-ratio: 5 / 4; box-shadow: var(--schatten-gross); }
.ortsnetz__bild { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: .35; filter: saturate(.6); }
.ortsnetz svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.ortsnetz .see { fill: rgba(92, 199, 191, .28); stroke: rgba(160, 230, 224, .6); stroke-width: 1.2; }
.ortsnetz .tal { fill: none; stroke: rgba(255, 255, 255, .16); stroke-width: 16; stroke-linecap: round; stroke-linejoin: round; }
.ortsnetz .linie { stroke: rgba(255, 255, 255, .45); stroke-width: 1.2; stroke-dasharray: 3 5; fill: none; }
.ortsnetz .punkt { fill: #fff; }
.ortsnetz .zentrum { fill: var(--lake-hell); }
.ortsnetz .ring { fill: none; stroke: var(--lake-hell); stroke-width: 1.5; opacity: .7; transform-origin: center; transform-box: fill-box; animation: puls 2.8s ease-out infinite; }
@keyframes puls { from { transform: scale(.6); opacity: .9; } to { transform: scale(3.2); opacity: 0; } }
.ortsnetz text { fill: #fff; font: 700 17px/1 var(--sans); paint-order: stroke; stroke: rgba(8, 24, 50, .75); stroke-width: 3px; }
.ortsnetz .min { fill: #bfe6e2; font-weight: 600; font-size: 14px; }
.ortsnetz .seename { fill: rgba(220, 245, 242, .9); font: italic 400 22px/1 var(--serif); stroke: none; letter-spacing: .08em; }
.ortsnetz a:hover text { fill: var(--lake-hell); }
.orte-liste { list-style: none; margin: 26px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 0 26px; }
.orte-liste a { display: flex; justify-content: space-between; gap: 10px; padding: 11px 0; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--ink); font-weight: 600; }
.orte-liste a:hover { color: var(--blue); }
.orte-liste small { color: var(--muted); font-weight: 500; font-variant-numeric: tabular-nums; }

/* ---------------------------------------------------------------- Versprechen */
.versprechen { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 1px solid var(--line-2); }
.versprechen > div { padding: 30px 26px 10px 0; }
.versprechen > div + div { padding-left: 26px; border-left: 1px solid var(--line-2); }
.versprechen b { display: block; font: 400 1.45rem/1.2 var(--serif); color: var(--ink); margin: 14px 0 10px; }
.versprechen p { color: var(--muted); font-size: 1rem; margin: 0; }
.versprechen .ic { width: 30px; height: 30px; color: var(--blue); }
.partner { margin-top: 64px; display: flex; flex-wrap: wrap; gap: 10px 34px; align-items: center; justify-content: center; color: #8a98ae; }
.partner__titel { width: 100%; text-align: center; font-size: .82rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 8px; color: var(--muted); }
.partner span { font: 500 1.15rem/1.4 var(--serif); letter-spacing: .01em; }

/* ---------------------------------------------------------------- Karten (Wissen, Leistungen) */
.karten { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.karte { display: flex; flex-direction: column; border-radius: 16px; overflow: hidden; background: #fff; border: 1px solid var(--line); text-decoration: none; color: var(--text); transition: box-shadow .3s, transform .3s, border-color .3s; }
.karte:hover { box-shadow: var(--schatten-gross); transform: translateY(-3px); border-color: transparent; color: var(--text); }
.karte__bild { aspect-ratio: 16 / 10; overflow: hidden; background: var(--paper); }
.karte__bild img { width: 100%; height: 100%; object-fit: cover; transition: transform 1s cubic-bezier(.2, .7, .2, 1); }
.karte:hover .karte__bild img { transform: scale(1.04); }
.karte__in { padding: 22px 22px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.karte__meta { font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); }
.karte__titel { font: 500 1.35rem/1.2 var(--serif); color: var(--ink); }
.karte__text { color: var(--muted); font-size: 1rem; line-height: 1.5; margin: 0; flex: 1; }
.karte .link-pfeil { margin-top: 6px; }
.karten--4 { grid-template-columns: repeat(4, 1fr); }
.karten--2 { grid-template-columns: repeat(2, 1fr); }

/* ---------------------------------------------------------------- FAQ */
.faq { padding: clamp(64px, 8vw, 120px) 0; }
.faq__liste { margin-top: 30px; border-top: 1px solid var(--line-2); }
.faq__item { border-bottom: 1px solid var(--line-2); }
.faq__item summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 20px; align-items: center; padding: 22px 0; font: 500 1.22rem/1.35 var(--serif); color: var(--ink); }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary .ic { width: 22px; height: 22px; color: var(--blue); transition: transform .3s; flex: none; }
.faq__item[open] summary .ic { transform: rotate(45deg); }
.faq__a { padding: 0 40px 22px 0; color: var(--text); }
.faq__a p:last-child { margin-bottom: 0; }

/* ---------------------------------------------------------------- Schluss-CTA */
.schluss { position: relative; color: #fff; overflow: hidden; isolation: isolate; }
.schluss__bild { position: absolute; inset: 0; z-index: -2; }
.schluss__img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 60%; }
.schluss::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(8, 24, 50, .9) 0%, rgba(8, 24, 50, .6) 55%, rgba(8, 24, 50, .25) 100%); }
.schluss__in { padding-top: clamp(80px, 10vw, 150px); padding-bottom: clamp(80px, 10vw, 150px); }
.schluss__titel { color: #fff; font: 400 clamp(2.2rem, 4.5vw, 3.8rem)/1.05 var(--serif); max-width: 16ch; letter-spacing: -.01em; }
.schluss__text { color: #d6e1f1; font-size: 1.2rem; max-width: 46ch; margin: 20px 0 32px; }
.schluss__aktion { display: flex; flex-wrap: wrap; gap: 12px; }
.schluss__zeit { margin: 28px 0 0; color: #b6c5dc; font-size: .98rem; display: flex; align-items: center; gap: 8px; }

/* ---------------------------------------------------------------- Seitenkopf (Unterseiten) */
.seitenkopf { background: var(--paper); padding: clamp(40px, 5vw, 70px) 0 clamp(56px, 6vw, 90px); position: relative; overflow: hidden; }
.seitenkopf::after { content: ""; position: absolute; right: -180px; top: -140px; width: 560px; height: 560px; background: url(../img/marke.svg) center / contain no-repeat; opacity: .045; pointer-events: none; }
.seitenkopf__in { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 80px); align-items: center; position: relative; z-index: 1; }
.seitenkopf--ohne .seitenkopf__in { grid-template-columns: 1fr; max-width: 900px; }
.seitenkopf .lead { margin: 22px 0 30px; }
.seitenkopf__bild { position: relative; }
.seitenkopf__img { width: 100%; aspect-ratio: 5 / 4; object-fit: cover; border-radius: var(--r-gross); box-shadow: var(--schatten-gross); }
.kurz { position: absolute; left: -36px; bottom: -30px; max-width: 330px; background: #fff; border-radius: 14px; padding: 18px 20px; box-shadow: var(--schatten-gross); border: 1px solid var(--line); }
.kurz__titel { font: 700 .74rem/1 var(--sans); letter-spacing: .15em; text-transform: uppercase; color: var(--lake); margin: 0 0 8px; }
.kurz p:last-child { margin: 0; font-size: .98rem; line-height: 1.5; }
.fakten { list-style: none; margin: 30px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 28px; }
.fakten li { display: flex; flex-direction: column; }
.fakten b { font: 400 1.35rem/1.2 var(--serif); color: var(--ink); }
.fakten span { font-size: .88rem; color: var(--muted); }
.krumen ol { list-style: none; margin: 0 0 26px; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; font-size: .9rem; color: var(--muted); }
.krumen li + li::before { content: "/"; margin-right: 6px; color: var(--line-2); }
.krumen a { color: var(--muted); text-decoration: none; }
.krumen a:hover { color: var(--blue); }

/* Inhalt mit Seitenleiste */
.inhalt { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: clamp(36px, 5vw, 80px); align-items: start; }
.seitenleiste { position: sticky; top: calc(var(--kopf) + 26px); display: grid; gap: 16px; }
.kasten { border: 1px solid var(--line); border-radius: 16px; padding: 22px; background: #fff; }
.kasten--nacht { background: var(--ink); color: #c9d5e8; border-color: var(--ink); }
.kasten--nacht .kasten__titel { color: #fff; }
.kasten__titel { font: 500 1.3rem/1.2 var(--serif); color: var(--ink); margin: 0 0 8px; }
.kasten p { font-size: .98rem; }
.kasten .knopf { width: 100%; }
.kasten__liste { list-style: none; margin: 10px 0 0; padding: 0; }
.kasten__liste a { display: flex; align-items: center; gap: 10px; padding: 9px 0; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--ink); font-weight: 600; font-size: .98rem; }
.kasten__liste a:hover { color: var(--blue); }
.kasten__liste .ic { color: var(--blue); }
.kasten--nacht .kasten__liste a { color: #fff; border-color: rgba(255, 255, 255, .12); }
.kasten--nacht .kasten__liste .ic { color: var(--lake-hell); }
.person { display: flex; gap: 14px; align-items: center; margin-bottom: 14px; }
.person img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: 50% 20%; }
.person b { display: block; color: #fff; }
.person span { font-size: .9rem; color: #9fb2cf; }

/* Bausteine / Praxis */
.bausteine { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin: 26px 0 10px; }
.baustein { border: 1px solid var(--line); border-radius: 14px; padding: 20px 22px; background: #fff; }
.baustein h3 { font: 600 1.12rem/1.3 var(--sans) !important; margin: 0 0 6px !important; color: var(--ink); }
.baustein p { margin: 0; font-size: 1rem; color: var(--muted); }
.praxis { list-style: none; margin: 26px 0; padding: 0; display: grid; gap: 0; counter-reset: p; }
.praxis li { counter-increment: p; display: grid; grid-template-columns: 54px 1fr; gap: 16px; padding: 20px 0; border-top: 1px solid var(--line); }
.praxis li::before { content: counter(p, decimal-leading-zero); font: 400 1.6rem/1 var(--serif); color: var(--blue); padding-top: 3px; }
.praxis b { display: block; color: var(--ink); font-size: 1.1rem; margin-bottom: 4px; }
.praxis p { margin: 0; font-size: 1.02rem; }
.lokal { margin: 36px 0; padding: 26px 28px; border-radius: 16px; background: var(--lake-soft); border: 1px solid #c9e8e4; }
.lokal__titel { display: flex; gap: 10px; align-items: center; margin: 0 0 10px !important; font: 500 1.35rem/1.2 var(--serif) !important; color: var(--ink); }
.lokal__titel .ic { color: var(--lake); }
.lokal p:last-child { margin-bottom: 0; }
.verwandt { margin-top: 10px; }

/* ---------------------------------------------------------------- Formulare */
.formular { display: grid; gap: 16px; }
.formular__zeile { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.feld { display: grid; gap: 6px; }
.feld > span, .feld legend { font-weight: 700; color: var(--ink); font-size: .95rem; }
.feld small { color: var(--muted); font-size: .86rem; font-weight: 500; }
.feld input, .feld select, .feld textarea { width: 100%; min-height: 52px; padding: 12px 15px; border: 1px solid var(--line-2); border-radius: 10px; background: #fff; color: var(--ink); transition: border-color .2s, box-shadow .2s; }
.feld textarea { min-height: 130px; resize: vertical; line-height: 1.5; }
.feld input:focus, .feld select:focus, .feld textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(20, 74, 156, .12); }
.feld input[aria-invalid="true"], .feld select[aria-invalid="true"] { border-color: var(--warn); }
fieldset.feld { border: 0; margin: 0; padding: 0; min-width: 0; }
.wahl { display: flex; flex-wrap: wrap; gap: 8px; }
.wahl label { position: relative; }
.wahl input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.wahl span { display: inline-flex; align-items: center; min-height: 44px; padding: 0 16px; border: 1px solid var(--line-2); border-radius: 999px; background: #fff; cursor: pointer; font-weight: 600; font-size: .98rem; transition: background .15s, border-color .15s, color .15s; }
.wahl input:checked + span { background: var(--blue); border-color: var(--blue); color: #fff; }
.wahl input:focus-visible + span { outline: 2px solid var(--blue-2); outline-offset: 2px; }
.haken { display: flex; gap: 12px; align-items: flex-start; font-size: .98rem; line-height: 1.45; cursor: pointer; }
.haken input { width: 22px; height: 22px; margin: 1px 0 0; accent-color: var(--blue); flex: none; }
.honig { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }
.meldung { padding: 16px 18px; border-radius: 12px; font-size: 1rem; }
.meldung--ok { background: var(--lake-soft); color: #0b4f4b; border: 1px solid #bfe3df; }
.meldung--fehler { background: #fdf0e8; color: #7a3410; border: 1px solid #f2cfb9; }
.kontakt { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(36px, 5vw, 80px); align-items: start; }
.kontakt__daten { display: grid; gap: 18px; }
.kontakt__zeile { display: grid; grid-template-columns: 44px 1fr; gap: 14px; align-items: start; }
.kontakt__zeile > .ic { width: 44px; height: 44px; padding: 11px; border-radius: 50%; background: var(--blue-soft); color: var(--blue); }
.kontakt__zeile b { display: block; color: var(--ink); }
.kontakt__zeile p { margin: 0; }
.kontakt__form { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: clamp(22px, 3vw, 40px); box-shadow: var(--schatten); }
.karte-link { display: block; position: relative; border-radius: 16px; overflow: hidden; aspect-ratio: 16 / 9; }
.karte-link img { width: 100%; height: 100%; object-fit: cover; }
.karte-link span { position: absolute; left: 14px; bottom: 14px; background: #fff; color: var(--ink); padding: 8px 14px; border-radius: 999px; font-weight: 700; font-size: .92rem; display: inline-flex; gap: 6px; align-items: center; box-shadow: var(--schatten); }

/* ---------------------------------------------------------------- Steuer-Assistent */
.assistent { display: grid; grid-template-columns: 270px minmax(0, 1fr); gap: clamp(28px, 4vw, 56px); align-items: start; }
.etappen { position: sticky; top: calc(var(--kopf) + 24px); list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; counter-reset: e; }
.etappen li { counter-increment: e; }
.etappen button { width: 100%; display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: center; text-align: left; padding: 10px 12px; border-radius: 12px; border: 0; background: none; cursor: pointer; color: var(--muted); font-weight: 600; }
.etappen button::before { content: counter(e); width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; border: 1px solid var(--line-2); font: 500 1rem/1 var(--serif); color: var(--muted); background: #fff; }
.etappen button[aria-current="step"] { background: var(--blue-soft); color: var(--ink); }
.etappen button[aria-current="step"]::before { background: var(--blue); border-color: var(--blue); color: #fff; }
.etappen button.erledigt::before { content: "✓"; background: var(--lake); border-color: var(--lake); color: #fff; font-family: var(--sans); font-weight: 800; }
.etappe { display: none; }
.etappe.aktiv { display: block; animation: rein .35s ease; }
@keyframes rein { from { opacity: 0; translate: 0 10px; } to { opacity: 1; translate: 0 0; } }
.etappe__kopf { margin-bottom: 24px; }
.etappe__kopf p { color: var(--muted); margin: 10px 0 0; max-width: 60ch; }
.block { border: 1px solid var(--line); border-radius: 16px; padding: clamp(18px, 2.5vw, 28px); background: #fff; display: grid; gap: 18px; }
.block + .block { margin-top: 16px; }
.block__titel { font: 500 1.3rem/1.2 var(--serif); color: var(--ink); margin: 0; display: flex; gap: 10px; align-items: center; }
.block__titel .ic { color: var(--blue); }
.personen { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.personen__spalte { display: grid; gap: 14px; align-content: start; }
.personen__kopf { font: 700 .78rem/1 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--blue); padding-bottom: 8px; border-bottom: 1px solid var(--line); }
.ja-nein { display: grid; grid-template-columns: 1fr auto; gap: 10px 16px; align-items: center; padding: 10px 0; border-bottom: 1px dashed var(--line); }
.ja-nein:last-child { border-bottom: 0; }
.ja-nein > span { font-weight: 600; color: var(--ink); line-height: 1.35; }
.ja-nein > span small { display: block; font-weight: 500; color: var(--muted); }
.ja-nein .wahl span { min-height: 38px; padding: 0 14px; font-size: .92rem; }
.ja-nein__mehr { grid-column: 1 / -1; display: none; }
.ja-nein.ja .ja-nein__mehr { display: grid; gap: 10px; }
.zaehler { display: inline-flex; align-items: center; border: 1px solid var(--line-2); border-radius: 999px; overflow: hidden; background: #fff; }
.zaehler button { width: 42px; height: 42px; border: 0; background: none; cursor: pointer; font-size: 1.3rem; color: var(--blue); }
.zaehler button:hover { background: var(--blue-soft); }
.zaehler output { min-width: 32px; text-align: center; font-weight: 800; font-variant-numeric: tabular-nums; }
.belege { display: grid; gap: 10px; }
.beleg { display: grid; grid-template-columns: 1fr auto; gap: 10px 16px; align-items: center; padding: 14px 16px; border: 1px solid var(--line); border-radius: 12px; background: #fff; transition: border-color .2s, background .2s; }
.beleg.hat { border-color: #bfe3df; background: #f7fcfb; }
.beleg__name { font-weight: 700; color: var(--ink); line-height: 1.3; }
.beleg__name small { display: block; font-weight: 500; color: var(--muted); font-size: .88rem; }
.beleg__knoepfe { display: flex; gap: 8px; flex-wrap: wrap; justify-content: flex-end; }
.beleg__knopf { display: inline-flex; align-items: center; gap: 6px; min-height: 40px; padding: 0 14px; border-radius: 999px; border: 1px solid var(--line-2); background: #fff; cursor: pointer; font-weight: 700; font-size: .9rem; color: var(--ink); }
.beleg__knopf:hover { border-color: var(--blue); color: var(--blue); }
.beleg__knopf input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.beleg__knopf--spaeter[aria-pressed="true"] { background: var(--stone); border-color: var(--stone); }
.beleg__dateien { grid-column: 1 / -1; display: flex; flex-wrap: wrap; gap: 6px; }
.beleg__dateien:empty { display: none; }
.datei-pill { display: inline-flex; align-items: center; gap: 6px; max-width: 100%; padding: 5px 6px 5px 11px; border-radius: 999px; background: var(--lake-soft); color: #0b4f4b; font-size: .86rem; font-weight: 600; }
.datei-pill span { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; max-width: 220px; }
.datei-pill button { width: 24px; height: 24px; border: 0; border-radius: 50%; background: rgba(255, 255, 255, .7); cursor: pointer; display: grid; place-items: center; color: #0b4f4b; }
.ablage { border: 2px dashed var(--line-2); border-radius: 16px; padding: 26px; text-align: center; background: var(--paper); transition: border-color .2s, background .2s; }
.ablage.drueber { border-color: var(--blue); background: var(--blue-soft); }
.ablage .ic { width: 34px; height: 34px; color: var(--blue); margin: 0 auto 8px; }
.ablage p { margin: 4px 0 0; color: var(--muted); font-size: .95rem; }
.assistent__fuss { display: flex; justify-content: space-between; gap: 12px; margin-top: 26px; flex-wrap: wrap; }
.zusammenfassung { display: grid; gap: 12px; }
.zusammenfassung dl { margin: 0; display: grid; grid-template-columns: minmax(150px, 220px) 1fr; gap: 6px 18px; font-size: .98rem; }
.zusammenfassung dt { color: var(--muted); }
.zusammenfassung dd { margin: 0; color: var(--ink); font-weight: 600; }
.fortschritt { height: 8px; border-radius: 99px; background: var(--line); overflow: hidden; }
.fortschritt span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--blue), var(--lake)); transition: width .3s; }
.erfolg { text-align: center; padding: clamp(28px, 5vw, 56px); border-radius: 20px; background: #fff; border: 1px solid var(--line); box-shadow: var(--schatten); }
.erfolg .code { display: inline-grid; gap: 4px; margin: 20px auto; padding: 18px 26px; border-radius: 14px; background: var(--ink); color: #fff; font: 700 1.4rem/1.3 ui-monospace, 'Cascadia Mono', Consolas, monospace; letter-spacing: .06em; }
.erfolg .code small { font: 600 .78rem/1 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--lake-hell); }

/* ---------------------------------------------------------------- Franchise-Rechner */
.rechner { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(28px, 4vw, 60px); align-items: start; }
.rechner__eingabe { display: grid; gap: 20px; }
.regler { display: grid; gap: 8px; }
.regler__kopf { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; font-weight: 700; color: var(--ink); }
.regler__kopf output { font: 400 1.5rem/1 var(--serif); color: var(--blue); font-variant-numeric: tabular-nums; }
input[type="range"] { width: 100%; accent-color: var(--blue); height: 28px; }
.balken { display: grid; gap: 10px; }
.balken__zeile { display: grid; grid-template-columns: 92px 1fr 110px; gap: 14px; align-items: center; }
.balken__name { font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }
.balken__spur { height: 34px; border-radius: 8px; background: var(--paper); position: relative; overflow: hidden; }
.balken__teil { position: absolute; top: 0; bottom: 0; transition: left .35s, width .35s; }
.balken__teil--praemie { background: var(--blue); }
.balken__teil--kosten { background: #8fb3e6; }
.balken__wert { text-align: right; font-weight: 800; color: var(--ink); font-variant-numeric: tabular-nums; }
.balken__zeile.beste .balken__name::after { content: "günstigste"; display: block; font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--lake); }
.balken__zeile.beste .balken__teil--praemie { background: var(--lake); }

/* ---------------------------------------------------------------- Rechtstexte */
.recht { padding: clamp(48px, 6vw, 90px) 0 clamp(72px, 8vw, 120px); }
.recht .text { max-width: 820px; }
.recht__daten { display: grid; grid-template-columns: minmax(150px, 230px) 1fr; gap: 0; margin: 20px 0 30px; border-top: 1px solid var(--line); }
.recht__daten dt, .recht__daten dd { margin: 0; padding: 11px 0; border-bottom: 1px solid var(--line); }
.recht__daten dt { color: var(--muted); font-weight: 600; }
.recht__daten dd { color: var(--ink); }

/* ---------------------------------------------------------------- Artikel (Wissen) */
.artikel-kopf { padding: clamp(40px, 5vw, 70px) 0 0; background: var(--paper); }
.artikel-kopf__bild { margin-top: 40px; }
.artikel-kopf__img { width: 100%; aspect-ratio: 21 / 9; object-fit: cover; border-radius: var(--r-gross) var(--r-gross) 0 0; }
.artikel-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; color: var(--muted); font-size: .95rem; margin-top: 18px; }
.artikel { padding: clamp(40px, 5vw, 70px) 0 clamp(60px, 7vw, 100px); }
.artikel .text { font-size: 1.16rem; }
.artikel .text > p:first-child { font-size: 1.3rem; line-height: 1.55; color: var(--ink-2); }
.merke { margin: 30px 0; padding: 22px 26px; border-radius: 14px; background: var(--blue-soft); }
.merke b:first-child { display: block; font: 700 .76rem/1 var(--sans); letter-spacing: .15em; text-transform: uppercase; color: var(--blue); margin-bottom: 8px; }
.merke p:last-child, .merke ul:last-child { margin-bottom: 0; }

/* ---------------------------------------------------------------- Über uns */
.portrait { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(36px, 5vw, 80px); align-items: center; }
.portrait__img { border-radius: var(--r-gross); width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 15%; }
.zitat { font: 400 clamp(1.5rem, 2.4vw, 2.1rem)/1.3 var(--serif); color: var(--ink); margin: 0 0 22px; font-style: italic; }
.zahlen { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 40px; }
.zahlen b { display: block; font: 400 clamp(2.2rem, 3.6vw, 3.2rem)/1 var(--serif); color: var(--ink); }
.zahlen span { display: block; color: var(--muted); font-size: .98rem; margin-top: 8px; }
.zeitachse { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; }
.zeitachse li { display: grid; grid-template-columns: 120px 1fr; gap: 24px; padding: 22px 0; border-top: 1px solid var(--line); }
.zeitachse b { font: 400 1.6rem/1 var(--serif); color: var(--blue); }
.zeitachse p { margin: 0; }

/* ---------------------------------------------------------------- Fuss */
.fuss { position: relative; background: var(--ink); color: #aebcd3; font-size: 1rem; overflow: hidden; padding-top: clamp(64px, 7vw, 100px); }
.fuss__welle { position: absolute; right: -160px; top: -120px; width: 620px; height: 620px; background: url(../img/marke-weiss.svg) center / contain no-repeat; opacity: .045; pointer-events: none; }
.fuss a { color: #e5ecf7; text-decoration: none; }
.fuss a:hover { color: #fff; text-decoration: underline; }
.fuss__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; position: relative; }
.fuss__logo .logo { height: 56px; width: auto; }
.fuss__claim { color: #dfe7f3; font: 400 1.18rem/1.4 var(--serif); margin: 20px 0 18px; max-width: 30ch; }
.fuss address { font-style: normal; margin-bottom: 10px; }
.fuss__tel { font-weight: 700; font-size: 1.1rem; }
.fuss__zeiten { display: flex; gap: 8px; align-items: center; }
.fuss__titel { font: 700 .76rem/1 var(--sans); letter-spacing: .15em; text-transform: uppercase; color: #fff; margin: 8px 0 16px; }
.fuss ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.fuss__orte { grid-template-columns: 1fr 1fr; column-gap: 16px; }
.fuss__sozial { display: flex; gap: 10px; margin-top: 18px; }
.fuss__sozial a { width: 42px; height: 42px; border-radius: 50%; border: 1px solid rgba(255, 255, 255, .2); display: grid; place-items: center; }
.fuss__sozial a:hover { background: rgba(255, 255, 255, .1); text-decoration: none; }
.fuss__sozial .ic { width: 20px; height: 20px; }
.fuss__finma { display: flex; gap: 14px; align-items: flex-start; margin-top: 56px; padding-top: 26px; border-top: 1px solid rgba(255, 255, 255, .1); position: relative; }
.fuss__finma .ic { width: 26px; height: 26px; color: var(--lake-hell); margin-top: 2px; }
.fuss__finma p { margin: 0; font-size: .95rem; max-width: 80ch; }
.fuss__finma b { color: #fff; }
.fuss__unten { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px 24px; padding-top: 22px; padding-bottom: 30px; font-size: .9rem; position: relative; }
.fuss__unten p { margin: 0; }
.fuss__recht { display: flex; flex-wrap: wrap; gap: 6px 16px; }

/* Mobil: Aktionsleiste */
.leiste { display: none; }

/* ---------------------------------------------------------------- Responsive */
@media (max-width: 1340px) {
  .kopf__tel span { display: none; }
  .kopf__nav > ul > li > a { padding: 10px 9px; }
  .kopf__in { gap: 18px; }
  .kopf__logo .logo { height: 52px; }
}
@media (max-width: 1180px) {
}
@media (max-width: 1180px) {
  :root { --kopf: 76px; }
  .kopf__nav, .kopf__tel { display: none; }
  .burger { display: block; }
  .kopf__aktion { margin-left: auto; }
}
@media (max-width: 1040px) {
  .kopf__logo .logo { height: 50px; }
  .hero__in { grid-template-columns: 1fr; align-items: start; }
  .lage { max-width: 560px; }
  .vertrauen__in { grid-template-columns: 1fr 1fr; }
  .vertrauen__item:nth-child(3) { border-left: 0; }
  .vertrauen__item:nth-child(n+3) { border-top: 1px solid var(--line); }
  .register { grid-template-columns: 1fr; }
  .register__bild { display: none; }
  .inhalt { grid-template-columns: 1fr; }
  .seitenleiste { position: static; grid-template-columns: 1fr 1fr; }
  .schalter-mini { grid-template-columns: repeat(3, 1fr); }
  .fuss__grid { grid-template-columns: 1fr 1fr; }
  .versprechen { grid-template-columns: 1fr 1fr; }
  .versprechen > div:nth-child(3) { padding-left: 0; border-left: 0; }
  .karten--4 { grid-template-columns: repeat(2, 1fr); }
  .assistent { grid-template-columns: 1fr; }
  .etappen { position: static; display: flex; overflow-x: auto; gap: 6px; padding-bottom: 6px; scrollbar-width: none; }
  .etappen li { flex: none; }
  .etappen button { grid-template-columns: 30px auto; padding: 8px 12px 8px 8px; white-space: nowrap; }
  .etappen button::before { width: 30px; height: 30px; }
}
@media (max-width: 900px) {
  body { padding-bottom: 68px; font-size: 1.08rem; }
  .leiste { display: grid; grid-template-columns: repeat(4, 1fr); position: fixed; left: 0; right: 0; bottom: 0; z-index: 28; background: rgba(255, 255, 255, .97); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px); border-top: 1px solid var(--line); padding-bottom: env(safe-area-inset-bottom); }
  .leiste__a { display: flex; flex-direction: column; align-items: center; gap: 3px; padding: 9px 4px 8px; color: var(--ink); text-decoration: none; font-size: .74rem; font-weight: 700; }
  .leiste__a .ic { width: 22px; height: 22px; color: var(--blue); }
  .sek__kopf, .broker, .steuer, .region, .seitenkopf__in, .kontakt, .portrait, .rechner, .schalter-gruppe__kopf { grid-template-columns: 1fr; }
  .broker__bild { max-width: 520px; }
  .broker__karte { right: 12px; }
  .steuer__bild { order: -1; max-width: 520px; }
  .steuer__stempel { left: 12px; }
  .kompass { grid-template-columns: 1fr; }
  .kompass__kugel { width: 112px; height: 112px; }
  .karten, .karten--2 { grid-template-columns: 1fr 1fr; }
  .seitenkopf__bild { max-width: 620px; margin-bottom: 30px; }
  .kurz { left: 12px; right: 12px; bottom: -40px; max-width: none; }
  .zahlen { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .wrap { padding: 0 18px; }
  .hero { min-height: auto; }
  .kopf__aktion .knopf--klein { display: none; }
  .kopf__logo .logo { height: 46px; }
  .hero__in { padding-top: calc(var(--kopf) + 34px); padding-bottom: 96px; gap: 28px; }
  .hero h1 { font-size: clamp(2.3rem, 10.5vw, 3rem); }
  .h1 { font-size: clamp(2.1rem, 9.4vw, 2.6rem); }
  .h2 { font-size: clamp(1.75rem, 7.6vw, 2.2rem); }
  .hero__lead { margin: 18px 0 26px; }
  .hero .aktionen .knopf { flex: 1 1 100%; }
  .lage { padding: 18px; }
  .vertrauen { margin-top: -54px; }
  .vertrauen__in { grid-template-columns: 1fr; }
  .vertrauen__item { border-left: 0 !important; padding: 16px 18px; }
  .vertrauen__item + .vertrauen__item { border-top: 1px solid var(--line); }
  .register__a { grid-template-columns: 30px 1fr; gap: 14px; padding: 18px 2px; }
  .register__a:hover, .register__a.aktiv { padding-left: 2px; }
  .register__pfeil { display: none; }
  .vergleich__zeile > div { padding: 12px 12px; font-size: .94rem; }
  .preise { grid-template-columns: 1fr; }
  .preis__titel { min-height: 0; }
  .karten, .karten--2, .karten--4 { grid-template-columns: 1fr; }
  .schalter-mini { grid-template-columns: 1fr 1fr; }
  .orte-liste { grid-template-columns: 1fr; }
  .versprechen { grid-template-columns: 1fr; }
  .versprechen > div, .versprechen > div + div { padding: 24px 0 6px; border-left: 0; border-top: 1px solid var(--line-2); }
  .versprechen > div:first-child { border-top: 0; }
  .bausteine { grid-template-columns: 1fr; }
  .seitenleiste { grid-template-columns: 1fr; }
  .formular__zeile, .personen { grid-template-columns: 1fr; }
  .fuss__grid { grid-template-columns: 1fr; }
  .zeitachse li { grid-template-columns: 1fr; gap: 8px; }
  .balken__zeile { grid-template-columns: 70px 1fr 88px; gap: 10px; }
  .zusammenfassung dl, .recht__daten { grid-template-columns: 1fr; }
  .zusammenfassung dt { margin-top: 8px; }
  .recht__daten dt { border-bottom: 0; padding-bottom: 0; }
  .beleg { grid-template-columns: 1fr; }
  .beleg__knoepfe { justify-content: flex-start; }
  .ja-nein { grid-template-columns: 1fr; }
  .broker__karte { position: static; margin-top: -40px; margin-left: 16px; margin-right: 16px; }
  .steuer__stempel { width: 110px; height: 110px; }
  .steuer__stempel b { font-size: 2rem; }
  .faq__a { padding-right: 0; }
  .band__in { font-size: .86rem; padding-left: 14px; }
  .lage__liste small { display: none; }
  .lage__liste .lage__frist small { display: inline; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; translate: none; }
}
@media print {
  .kopf, .band, .leiste, .fuss, .schluss, .seitenleiste, .menu, .demo-band { display: none !important; }
  body { padding: 0; }
}

/* Quellen unter Wissen-Beiträgen */
.quellen { margin: 40px 0 0; padding: 20px 22px; border-radius: 14px; background: var(--paper); border: 1px solid var(--line); font-size: .95rem; }
.quellen__titel { margin: 0 0 8px !important; font: 700 .76rem/1 var(--sans) !important; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.quellen ul { margin: 0 0 10px !important; padding-left: 1.1em; }
.quellen li { margin: .25em 0 !important; }
.quellen__stand { margin: 0 !important; color: var(--muted); font-size: .88rem; }

/* Partner-Laufband */
.partnerband { padding: clamp(40px, 5vw, 64px) 0 clamp(30px, 4vw, 48px); background: #fff; }
.partnerband__titel { text-align: center; margin: 0 auto 26px; max-width: 60ch; font: 700 .78rem/1.5 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.partnerband__spur { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.partnerband__liste { list-style: none; margin: 0; padding: 6px 0; display: flex; align-items: center; gap: clamp(44px, 6vw, 84px); width: max-content; animation: partnerlauf 46s linear infinite; }
.partnerband__liste li { flex: none; display: flex; align-items: center; height: 48px; }
.partnerband__liste img { max-width: none; filter: grayscale(1) contrast(.9); opacity: .62; transition: filter .3s, opacity .3s; }
.partnerband__liste li:hover img { filter: none; opacity: 1; }
.partnerband__spur:hover .partnerband__liste { animation-play-state: paused; }
.partnerband__fuss { text-align: center; margin: 22px 0 0; font-size: .92rem; }
.partnerband__fuss a { color: var(--muted); }
@keyframes partnerlauf { to { transform: translateX(calc(-50% - clamp(22px, 3vw, 42px))); } }
@media (prefers-reduced-motion: reduce) {
  .partnerband__liste { animation: none; width: auto; flex-wrap: wrap; justify-content: center; padding: 0 18px; }
  .partnerband__liste li[aria-hidden] { display: none; }
}

/* Prämienrechner */
.reiter { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.reiter [role="tab"] { display: inline-flex; align-items: center; gap: 8px; min-height: 46px; padding: 0 18px; border-radius: 999px; border: 1px solid var(--line-2); background: #fff; color: var(--ink); font-weight: 700; cursor: pointer; }
.reiter [role="tab"] .ic { color: var(--blue); }
.reiter [role="tab"][aria-selected="true"] { background: var(--ink); border-color: var(--ink); color: #fff; }
.reiter [role="tab"][aria-selected="true"] .ic { color: var(--lake-hell); }
.rechnerfeld { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(24px, 4vw, 56px); align-items: start; }
.vp { border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px; background: #fff; }
.vp + .vp { margin-top: 12px; }
.vp__kopf { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; color: var(--ink); }
.vp__weg { border: 0; background: none; color: var(--muted); text-decoration: underline; cursor: pointer; font-size: .9rem; }
.vp__felder { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.vp__felder .feld select { min-height: 46px; }
.vp-plus { margin-top: 12px; }
.ergebnisse { display: grid; gap: 12px; }
.spanne { border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px; background: #fff; }
.spanne__titel { margin: 0 0 14px; font-weight: 700; color: var(--ink); font-size: .98rem; }
.spanne__balken { position: relative; height: 12px; border-radius: 99px; background: linear-gradient(90deg, var(--lake) 0%, #8fb3e6 55%, #c9d3e1 100%); }
.spanne__viertel { position: absolute; top: 0; bottom: 0; border-radius: 99px; background: rgba(19, 138, 133, .55); }
.spanne__mitte { position: absolute; top: -5px; width: 4px; height: 22px; margin-left: -2px; border-radius: 2px; background: var(--ink); }
.spanne__werte { display: flex; justify-content: space-between; gap: 10px; margin-top: 12px; }
.spanne__werte span { display: flex; flex-direction: column; }
.spanne__werte span:nth-child(2) { align-items: center; text-align: center; }
.spanne__werte span:last-child { align-items: flex-end; text-align: right; }
.spanne__werte small { color: var(--muted); font-size: .8rem; }
.spanne__werte b { font: 500 1.3rem/1.2 var(--serif); color: var(--ink); font-variant-numeric: tabular-nums; }
.spanne__fuss { margin: 10px 0 0; color: var(--muted); font-size: .88rem; }
.summe { margin-top: 14px; }
[data-kvg-ergebnis] .summe { margin: 0 0 14px; }
.summe__titel { margin: 0 0 4px; font: 700 .76rem/1 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--lake-hell); }
.kasten .summe__zahl { font: 400 clamp(1.6rem, 2.6vw, 2.2rem)/1.2 var(--serif); color: #fff; margin: 6px 0 10px; }
.kasten .summe__zahl small { font: 500 1rem/1 var(--sans); color: #9fb2cf; }
.summe .knopf { width: auto; margin-top: 6px; }
@media (max-width: 900px) { .rechnerfeld { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .vp__felder { grid-template-columns: 1fr; } .spanne__werte b { font-size: 1.1rem; } }
.vp-modelle { margin-top: 20px; border-top: 1px solid var(--line); padding-top: 14px; font-size: .95rem; }
.vp-modelle summary { cursor: pointer; font-weight: 700; color: var(--blue); }
.vp-modelle dl { display: grid; grid-template-columns: auto 1fr; gap: 6px 16px; margin: 14px 0 10px; }
.vp-modelle dt { font-weight: 700; color: var(--ink); }
.vp-modelle dd { margin: 0; }
.vp-modelle p { margin: 0; color: var(--muted); }
@media (max-width: 640px) { .vp-modelle dl { grid-template-columns: 1fr; } .vp-modelle dd { margin-bottom: 8px; } }
.gv__total { margin: 0 0 14px; font: 400 clamp(1.9rem, 3vw, 2.4rem)/1.1 var(--serif); color: var(--ink); font-variant-numeric: tabular-nums; }
.gv__tabelle { width: 100%; border-collapse: collapse; font-size: .95rem; }
.gv__tabelle td { padding: 8px 0; border-top: 1px solid var(--line); vertical-align: top; }
.gv__tabelle td:last-child { text-align: right; white-space: nowrap; padding-left: 12px; font-variant-numeric: tabular-nums; color: var(--ink); }
[data-gvsg] .feld { margin-top: 20px; }
.regler__kopf output { white-space: nowrap; }