:root {
  --blue:        #006492;
  --blue-dark:   #004d72;
  --blue-deep:   #003a57;
  --peach:       #f8b292;
  --peach-soft:  #fdece2;
  --ink:         #17262f;
  --muted:       #566a76;
  --tint:        #eef5f9;
  --tint-2:      #dceaf2;
  --line:        #d5e3ec;
  --white:       #ffffff;
  --warn-bg:     #fff7ed;
  --warn-line:   #f8b292;

  --wrap: 1140px;
  --radius: 10px;
  
  --img-radius: 28px;
  --shadow: 0 2px 14px rgba(0, 100, 146, .08);
  --shadow-lg: 0 8px 34px rgba(0, 100, 146, .13);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 96px; }

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--blue); }
a:hover { color: var(--blue-deep); }

h1, h2, h3, h4 { line-height: 1.22; margin: 0 0 .5em; color: var(--blue-deep); }
h1 { font-size: clamp(1.85rem, 3.5vw, 2.7rem); letter-spacing: -.5px; }
h2 { font-size: clamp(1.5rem, 2.9vw, 2.1rem); letter-spacing: -.3px; }
h3 { font-size: 1.2rem; }
p  { margin: 0 0 1.1em; }

.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: 22px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--blue); color: #fff; padding: 12px 20px; font-weight: bold;
}
.skip-link:focus { left: 0; }

:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; }

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex; align-items: center; gap: 20px;
  min-height: 84px;
}

.brand { order: 4; flex: none; }
.header-cta { order: 3; margin-left: auto; flex: none; white-space: nowrap; }
.brand img { width: 232px; }

.nav-toggle {
  order: 1; display: none;
  background: none; border: 1px solid var(--line); border-radius: 8px;
  padding: 9px 11px; cursor: pointer; color: var(--blue);
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: currentColor; margin: 4px 0; }

.site-nav { order: 2; }
.site-nav ul { display: flex; gap: 26px; list-style: none; margin: 0; padding: 0; }
.site-nav a {
  text-decoration: none; color: var(--ink); font-size: .96rem;
  padding: 6px 0; border-bottom: 2px solid transparent;
}
.site-nav a:hover, .site-nav a:focus { color: var(--blue); border-bottom-color: var(--peach); }

.btn {
  display: inline-block; text-decoration: none; font-weight: bold;
  padding: 15px 30px; border-radius: var(--radius); border: 2px solid var(--blue);
  background: var(--blue); color: #fff; font-size: 1.02rem; cursor: pointer;
  font-family: inherit; transition: background .15s ease, transform .15s ease;
}
.btn:hover { background: var(--blue-deep); border-color: var(--blue-deep); color: #fff; transform: translateY(-1px); }
.btn--sm { padding: 10px 18px; font-size: .92rem; border-radius: 8px; }
.btn--ghost { background: transparent; color: var(--blue); }
.btn--ghost:hover { background: var(--tint); color: var(--blue-deep); }
.btn--wide { width: 100%; }

.hero { position: relative; overflow: hidden; background: #fff; }
.hero .wrap {
  position: relative; z-index: 1; padding-block: 44px 60px;
  display: grid; align-items: center; gap: 10px 34px;
  grid-template-columns: minmax(0, 1.02fr) minmax(0, .98fr);
  grid-template-areas: "text visual" "facts facts";
}
.hero__inner { grid-area: text; }

.hero__visual {
  grid-area: visual;
  
  margin-right: min(0px, calc((var(--wrap) - 100vw) / 2 - 22px));
}
.hero__visual img { width: 100%; height: auto; mix-blend-mode: multiply; }

.eyebrow {
  display: inline-block; background: var(--peach-soft); color: var(--blue-deep);
  border: 1px solid var(--peach); border-radius: 999px;
  font-size: .82rem; font-weight: bold; letter-spacing: .4px; text-transform: uppercase;
  padding: 7px 16px; margin-bottom: 20px;
}
.hero__sub { font-size: 1.12rem; color: var(--blue-dark); font-weight: bold; margin-bottom: .8em; }
.hero__lead { font-size: 1rem; color: var(--muted); }
.hero .definition { font-size: 1.02rem; padding: 15px 19px; margin-bottom: 1.2em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 8px; }

.hero__facts {
  grid-area: facts;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px;
  margin-top: 22px; padding: 0; list-style: none;
}
.hero__facts li {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 12px 16px; box-shadow: var(--shadow); font-size: .92rem; line-height: 1.35;
}
.hero__facts b { display: block; color: var(--blue); font-size: 1.22rem; }

.section { padding-block: 74px; }
.section--tint { background: var(--tint); }
.section__intro { max-width: 860px; }

.definition {
  font-size: 1.1rem; line-height: 1.6; color: var(--blue-deep);
  border-left: 5px solid var(--peach); background: var(--white);
  padding: 18px 22px; border-radius: 0 var(--radius) var(--radius) 0;
  margin: 0 0 1.6em; box-shadow: var(--shadow);
}
.section--tint .definition { background: #fff; }

.grid { display: grid; gap: 22px; }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; box-shadow: var(--shadow);
}
.card h3 { margin-top: 0; font-size: 1.1rem; }
.card p:last-child { margin-bottom: 0; }
.card__icon {
  width: 44px; height: 44px; border-radius: 10px; margin-bottom: 16px;
  background: var(--tint-2); color: var(--blue);
  display: grid; place-items: center; font-size: 1.3rem; font-weight: bold;
}

.rules { display: grid; gap: 18px; grid-template-columns: repeat(2, 1fr); margin-top: 34px; }
.rule {
  background: #fff; border: 1px solid var(--line); border-left: 5px solid var(--blue);
  border-radius: 0 var(--radius) var(--radius) 0; padding: 22px 24px; box-shadow: var(--shadow);
}
.rule h3 { margin: 0 0 .5em; font-size: 1.08rem; }
.rule p:last-child { margin-bottom: 0; }
.rule ul { margin: 0; padding-left: 20px; }
.rule li { margin-bottom: .4em; }

.note {
  display: block; margin-top: 12px; padding: 11px 14px;
  background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: 8px;
  font-size: .9rem; color: #7a4a25;
}
.note b { color: #8c4a17; }

.figure {
  margin: 0; background: var(--tint); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 18px 22px; font-size: .95rem;
}
.figure b { color: var(--blue); }

.table-scroll { overflow-x: auto; margin-top: 20px; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; }
table.compare { width: 100%; min-width: 720px; border-collapse: collapse; font-size: .95rem; }
table.compare caption {
  text-align: left; padding: 18px 20px 6px; font-weight: bold; color: var(--blue-deep); font-size: 1.02rem;
}
table.compare th, table.compare td { padding: 14px 18px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
table.compare thead th { background: var(--blue); color: #fff; border-bottom: none; font-size: .95rem; }
table.compare thead th:first-child { border-top-left-radius: 0; }
table.compare tbody th { font-weight: bold; color: var(--blue-deep); width: 22%; background: var(--tint); }
table.compare td.new { background: #f6fbfd; font-weight: bold; color: var(--blue-deep); }
table.compare tbody tr:last-child th, table.compare tbody tr:last-child td { border-bottom: none; }

.steps { list-style: none; counter-reset: step; margin: 34px 0 0; padding: 0; display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.steps li {
  counter-increment: step; position: relative;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 80px 22px 24px; box-shadow: var(--shadow);
}
.steps li::before {
  content: counter(step); position: absolute; top: 22px; left: 22px;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--blue); color: #fff; font-size: 1.15rem; font-weight: bold;
  display: grid; place-items: center;
}
.steps h3 { font-size: 1.05rem; margin-bottom: .45em; }
.steps p:last-child { margin-bottom: 0; }
.steps p { font-size: .95rem; }

.step-optional {
  margin-top: 20px; background: var(--peach-soft); border: 1px solid var(--peach);
  border-radius: var(--radius); padding: 22px 24px;
}
.step-optional h3 { margin-top: 0; font-size: 1.05rem; }
.step-optional p:last-child { margin-bottom: 0; }
.step-optional .tag {
  display: inline-block; background: var(--blue); color: #fff; border-radius: 999px;
  font-size: .74rem; font-weight: bold; text-transform: uppercase; letter-spacing: .5px;
  padding: 4px 12px; margin-bottom: 10px;
}

.faq { margin-top: 30px; display: grid; gap: 12px; }
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); overflow: hidden;
}
.faq summary {
  cursor: pointer; list-style: none; padding: 20px 54px 20px 24px; position: relative;
  font-weight: bold; color: var(--blue-deep); font-size: 1.05rem; line-height: 1.4;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
  font-size: 1.6rem; font-weight: normal; color: var(--blue); line-height: 1;
}
.faq details[open] summary::after { content: "\2013"; }
.faq summary:hover { background: var(--tint); }
.faq .faq__a { padding: 0 24px 22px; }
.faq .faq__a p:last-child { margin-bottom: 0; }

.contact { display: grid; gap: 34px; grid-template-columns: 1.1fr .9fr; align-items: start; }

.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px; box-shadow: var(--shadow-lg);
}
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: bold; font-size: .92rem; margin-bottom: 6px; color: var(--blue-deep); }
.field input, .field textarea, .field select {
  width: 100%; font-family: inherit; font-size: 1rem; color: var(--ink);
  padding: 12px 14px; border: 1px solid var(--line); border-radius: 8px; background: #fff;
}
.field input:focus, .field textarea:focus, .field select:focus { border-color: var(--blue); outline: none; box-shadow: 0 0 0 3px rgba(0,100,146,.14); }
.field textarea { min-height: 118px; resize: vertical; }
.field--check { display: flex; gap: 10px; align-items: flex-start; font-size: .88rem; color: var(--muted); }
.field--check input { width: 20px; height: 20px; margin-top: 1px; flex: none; accent-color: var(--blue); }
.form-hint { font-size: .85rem; color: var(--muted); margin: 14px 0 0; }

.contact-aside .card + .card { margin-top: 22px; }
.contact-list { list-style: none; margin: 0; padding: 0; }
.contact-list li { margin-bottom: 10px; }
.contact-list b { color: var(--blue-deep); }

.downloads { list-style: none; margin: 0; padding: 0; }
.downloads li { border-bottom: 1px solid var(--line); padding: 12px 0; }
.downloads li:last-child { border-bottom: none; }
.downloads a, .downloads span.soon { text-decoration: none; font-weight: bold; color: var(--blue); }
.downloads small { display: block; font-weight: normal; color: var(--muted); font-size: .86rem; }
.downloads span.soon { color: var(--muted); }

.todo-block {
  margin-top: 26px; padding: 26px 28px;
  background: #fffaf5; border: 2px dashed #d97706; border-radius: var(--radius);
}
.todo-block h3 { margin: 14px 0 .5em; }
.todo-block ul { margin: 0 0 1em; padding-left: 22px; }
.todo-block li { margin-bottom: .35em; }
.todo-block p:last-child { margin-bottom: 0; }
.todo-block__hint { font-size: .9rem; color: var(--muted); }
.todo-block code {
  background: var(--tint); border: 1px solid var(--line); border-radius: 4px;
  padding: 1px 6px; font-size: .9em;
}

.todo {
  background: #ffe9d6; color: #8a3b00; border: 1px dashed #d97706;
  padding: 1px 7px; border-radius: 4px; font-weight: bold; font-size: .9em;
}

.sources { margin-top: 46px; padding-top: 26px; border-top: 1px solid var(--line); font-size: .92rem; color: var(--muted); }
.sources ul { margin: .6em 0 0; padding-left: 20px; }
.sources li { margin-bottom: .35em; }

.sources li a, .site-footer li a, .downloads a {
  display: inline-block; padding-block: 5px;
}

.disclaimer {
  margin-top: 26px; background: var(--tint); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 16px 20px; font-size: .9rem; color: var(--muted);
}
.section--tint .disclaimer { background: #fff; }

.site-footer { background: var(--blue-deep); color: #cfe2ed; padding-block: 44px 30px; margin-top: 0; }
.site-footer a { color: #fff; }
.site-footer h3 { color: #fff; font-size: 1rem; margin-bottom: .7em; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: .45em; font-size: .93rem; }

@media (max-width: 1120px) {
  .header-cta { display: none; }
  .brand { margin-left: auto; }
}

@media (max-width: 1000px) {
  .hero .wrap { grid-template-columns: 1fr; grid-template-areas: "text" "visual" "facts"; }
  .hero__visual { margin-right: 0; }
  .hero__visual img { max-width: 620px; margin-inline: auto; }
  .hero__facts { grid-template-columns: repeat(2, 1fr); }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps   { grid-template-columns: repeat(2, 1fr); }
  .contact { grid-template-columns: 1fr; }
}

@media (max-width: 780px) {
  body { font-size: 16px; }
  .site-header .wrap { min-height: 72px; }
  .brand img { width: 168px; }
  .nav-toggle { display: block; }
  .site-nav {
    order: 4; display: none; width: 100%;
    border-top: 1px solid var(--line); padding: 12px 0 16px;
  }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; gap: 2px; }
  .site-nav a { display: block; padding: 11px 4px; border-bottom: 1px solid var(--line); }

  .hero .wrap {
    padding-block: 34px 46px;
    grid-template-columns: 1fr;
    grid-template-areas: "visual" "text" "facts";
  }
  .hero__visual img { max-width: 460px; margin-inline: auto; }
  .hero__actions .btn { width: 100%; text-align: center; }

  .section { padding-block: 52px; }
  .form-card { padding: 22px; }
}

@media (max-width: 620px) {
  .grid--4, .grid--2, .rules, .steps { grid-template-columns: 1fr; }
  .hero__facts { grid-template-columns: 1fr; }
  .section { padding-block: 44px; }
  .todo-block { padding: 20px 18px; }
  table.compare { min-width: 600px; }
}

@media print {
  .site-header, .hero__bg, .nav-toggle, .form-card { display: none; }
  body { font-size: 11pt; }
}

.beihilfe { margin-top: 40px; }
.beihilfe h4 { margin: 32px 0 12px; }

.rechner {
  background: var(--tint, #f2f7fa);
  border: 1px solid var(--line, #d7e3ea);
  border-radius: var(--radius, 10px);
  padding: 24px;
  margin: 20px 0 8px;
}
.rechner label { display: block; font-weight: bold; margin-bottom: 10px; }

.rechner__eingabe { display: flex; align-items: center; gap: 8px; max-width: 260px; }
.rechner__waehrung { font-size: 1.3rem; font-weight: bold; color: var(--blue, #006492); }
.rechner__eingabe input {
  flex: 1; font-size: 1.3rem; font-weight: bold; padding: 10px 14px;
  border: 2px solid var(--blue, #006492); border-radius: var(--radius, 10px);
  background: #fff; color: var(--blue-deep, #004a6e);
}
.rechner__eingabe input:focus { outline: 3px solid #F8B292; outline-offset: 2px; }

.rechner__ergebnis { margin-top: 22px; border-top: 1px solid var(--line, #d7e3ea); padding-top: 16px; }
.rechner__zeile {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 7px 0; border-bottom: 1px solid rgba(0,100,146,.10);
}
.rechner__zeile:last-child { border-bottom: none; }
.rechner__zeile--gross { font-size: 1.25rem; padding: 12px 0; }
.rechner__zeile--gross b { color: var(--blue, #006492); font-size: 1.5rem; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap;
}
@media (max-width: 600px) {
  .rechner { padding: 18px; }
  .rechner__eingabe { max-width: 100%; }
}