/* Seitengruppe artikel: gilt nach base.css, Reihenfolge wie auf der statischen Seite. */
/* hero */
  .hero{padding-top:104px}
.hero>.wide{max-width:1820px;padding:0 clamp(12px,1.1vw,20px)}
.hero-block{position:relative;display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,1.04fr);border-radius:var(--r-lg);overflow:hidden;min-height:min(72vh,600px);margin:0 8px}
.hero-panel .btn{align-self:flex-start}
.hero-proof{display:flex;align-items:center;gap:12px;margin-top:18px}
.hero-proof .avs{display:flex;flex-shrink:0}
.hero-proof .avs img{width:34px;height:34px;border-radius:50%;object-fit:cover;object-position:top;border:2px solid var(--navy);margin-left:-11px}
.hero-proof .avs img:first-child{margin-left:0}
.hero-proof .pf-txt{font-size:13px;line-height:1.3;color:rgba(255,255,255,.78)}
.hero-proof .pf-txt b{display:block;color:#fff;font-size:14px;font-weight:700}
.hero-panel{background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center;padding:clamp(32px,3.5vw,54px);position:relative;overflow:hidden;min-width:0}
.hero-panel::after{content:"";position:absolute;right:-140px;top:-120px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(36,96,173,.4),transparent 62%)}
.hero-panel>*{position:relative;z-index:1}
.hero-panel h1{color:#fff;margin-bottom:22px;font-size:clamp(36px,4.3vw,57px);hyphens:manual}
.hero-panel p{color:rgba(255,255,255,.8);font-size:clamp(15px,1.15vw,16.5px);line-height:1.62;margin-bottom:30px;max-width:660px}
.hero-photo{position:relative;background:var(--navy2);min-height:360px}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:54% 28%}
/* trust line under hero */
  .trust{border-bottom:1px solid var(--line)}
.trust-in{display:flex;flex-wrap:wrap;gap:16px 50px;justify-content:center;padding:28px 0}
.trust span{display:inline-flex;align-items:center;gap:11px;font-size:14.5px;color:var(--body)}
.trust span svg{width:18px;height:18px;color:var(--blue);flex-shrink:0}
.trust span .ph{font-size:19px;color:var(--blue);flex-shrink:0}
.trust span b{color:var(--ink);font-weight:600}
/* angebot cards (Flossbach) */
  .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:clamp(44px,5vw,64px)}
.card{background:var(--soft);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;position:relative;cursor:pointer}
.card:hover{background:#eef1f5}
.card-img{aspect-ratio:16/10;overflow:hidden}
.card-img img{width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.card:hover .card-img img{transform:scale(1.04)}
.card-body{padding:clamp(28px,3vw,42px);display:flex;flex-direction:column;flex:1}
.card-body .eyebrow{margin-bottom:12px}
.card-body h3{margin-bottom:16px}
.card-body p{font-size:15.5px;line-height:1.62;margin-bottom:24px}
.card-body .btn{margin-top:auto;align-self:flex-start}
/* quote */
  .quote{background:var(--white);padding:clamp(44px,5vw,78px) 0}
.quote-in{max-width:1060px;margin:0 auto;text-align:center}
.quote blockquote{font-family:var(--serif);font-size:clamp(23px,3vw,36px);line-height:1.3;color:var(--ink);font-weight:400;margin:0}
.quote blockquote .w{color:#ccd3dc;transition:color .16s linear}
.quote blockquote .w.on{color:var(--ink)}
.quote .qa{margin-top:28px;font-weight:600;color:var(--ink);font-size:15px}
.quote .qa span{display:block;color:var(--muted);font-weight:500;font-size:13.5px;margin-top:4px}
/* feature blocks (Flossbach alternating) */
  .feat{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,72px);align-items:center}
.feat+.feat{margin-top:clamp(48px,6vw,90px)}
.feat.rev .feat-media{order:2}
.feat-media{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/3;background:var(--soft)}
.feat-media img{width:100%;height:100%;object-fit:cover}
.feat-body h2{margin-bottom:18px}
.feat-body p{font-size:16px;line-height:1.64}
.flist{list-style:none;padding:0;margin:22px 0 28px}
.flist li{position:relative;padding-left:42px;margin-bottom:14px;color:var(--ink);font-size:15.5px;min-height:28px;display:flex;align-items:center}
.flist li .fbox{position:absolute;left:0;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:8px;background:var(--soft2);color:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.flist li .fbox svg{width:15px;height:15px}
/* stat band */
  .statband{background:var(--soft);border-radius:var(--r-lg)}
.statband-in{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;padding:clamp(40px,5vw,60px);text-align:center}
.st .st-n{font-family:var(--serif);font-size:clamp(34px,4vw,50px);color:var(--navy);font-weight:600;line-height:1;font-variant-numeric:tabular-nums}
.st .st-l{margin-top:12px;font-weight:600;color:var(--ink);font-size:15px}
.st .st-s{font-size:13.5px;color:var(--muted);margin-top:4px}
/* zielgruppe */
  .zg-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:clamp(40px,5vw,56px)}
.zg{position:relative;border-radius:var(--r);overflow:hidden;padding:clamp(28px,2.4vw,34px);min-height:320px;display:flex;flex-direction:column;color:#fff;isolation:isolate;transition:transform .35s var(--ease);background:linear-gradient(162deg,var(--z-a),var(--z-b))}
.zg::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(42% 52% at 82% 14%,rgba(130,178,236,.3),transparent 62%),radial-gradient(38% 46% at 10% 92%,rgba(70,120,195,.26),transparent 60%)}
.zg:hover{transform:translateY(-5px)}
.zg .zg-k{font-family:var(--sans);font-weight:600;font-size:12.5px;letter-spacing:.04em;color:rgba(255,255,255,.62);margin-bottom:14px}
.zg{justify-content:flex-start}
.zg h3{color:#fff;font-size:24px;margin-bottom:12px;white-space:nowrap;display:flex;align-items:flex-start}
.zg p{font-size:14.5px;line-height:1.56;margin:0;color:rgba(255,255,255,.8)}
.zg.z1{--z-a:#19457f;--z-b:#0a2347}
.zg.z2{--z-a:#12616b;--z-b:#092f36}
.zg.z3{--z-a:#5a3066;--z-b:#2a1838}
.zg.z4{--z-a:#8a4a30;--z-b:#3c2014}
/* ergänzend: hellgraue gerundete Panel-Section + Sticky-Stack-Cards */
  .erg-grid{display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr);gap:clamp(40px,5vw,80px);align-items:start;background:var(--soft);border-radius:var(--r-lg);padding:clamp(36px,4.4vw,68px)}
.erg-left{position:sticky;top:120px}
.erg-left h2{margin:14px 0 16px}
.erg-stack{display:flex;flex-direction:column;gap:20px;padding-bottom:4px;min-width:0}
.ecard{position:sticky;border-radius:var(--r);padding:clamp(28px,2.6vw,40px);color:#fff;isolation:isolate;overflow:hidden;background:linear-gradient(158deg,var(--e-a),var(--e-b))}
.ecard::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(44% 54% at 86% 12%,rgba(130,178,236,.3),transparent 62%),radial-gradient(40% 48% at 8% 94%,rgba(70,120,195,.24),transparent 60%)}
.ecard:nth-child(1){top:104px;--e-a:#1b4786;--e-b:#0a2347}
.ecard:nth-child(2){top:134px;--e-a:#163f74;--e-b:#081d3a}
.ecard:nth-child(3){top:164px;--e-a:#1f4f8d;--e-b:#0c2b54}
.ecard .ec-ic{width:54px;height:54px;border-radius:13px;background:#fff;color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:22px}
.ecard .ec-ic .ph{font-size:27px}
.ecard h3{color:#fff;margin-bottom:11px}
.ecard p{font-size:15px;line-height:1.6;margin:0;color:rgba(255,255,255,.8)}
/* navy band (Haben Sie Fragen) */
  .band{position:relative;border-radius:var(--r-lg);overflow:hidden;background:var(--navy);display:grid;grid-template-columns:1.1fr .9fr;align-items:stretch;min-height:360px}
.band-body{padding:clamp(38px,4.5vw,64px);color:#fff;display:flex;flex-direction:column;justify-content:center}
.band-body .eyebrow{color:#9db8e0}
.band-body h2{color:#fff;margin-bottom:16px}
.band-body p{color:rgba(255,255,255,.82);max-width:440px;margin-bottom:30px}
.band-body .btn{align-self:flex-start}
.band-photo{position:relative;background:var(--navy2)}
.band-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 30%}
/* nächste schritte (split image/navy cards) */
  .steps-grid{display:flex;flex-direction:column;gap:28px;margin-top:clamp(40px,5vw,56px)}
.stepc{display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr);border-radius:var(--r-lg);overflow:hidden;background:var(--navy);min-height:300px}
.stepc.rev .stepc-img{order:2}
.stepc-img{position:relative;background:var(--navy2);min-height:240px}
.stepc-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.stepc-body{padding:clamp(32px,3.4vw,52px);color:#fff;display:flex;flex-direction:column;justify-content:center;min-width:0}
.stepc-body .eyebrow{color:#9db8e0;margin-bottom:12px}
.stepc-body h3{color:#fff;margin-bottom:16px;font-size:clamp(23px,2.4vw,30px)}
.stepc-body p{color:rgba(255,255,255,.8);font-size:15.5px;line-height:1.6;margin-bottom:28px;max-width:470px}
.stepc-body .btn{align-self:flex-start}
/* footer */
  .footer{position:relative;background:linear-gradient(170deg,var(--navy) 0%,var(--navy2) 100%);color:rgba(255,255,255,.72);border-radius:var(--r-lg) var(--r-lg) 0 0;margin-top:clamp(50px,6vw,80px);padding:clamp(56px,6vw,80px) 0 28px}
.foot-top{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-bottom:40px;margin-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-top .logo img{height:38px;filter:brightness(0) invert(1)}
.totop{display:inline-flex;align-items:center;gap:10px;background:transparent;border:1px solid rgba(255,255,255,.16);color:#fff;font-family:var(--sans);font-weight:600;font-size:13.5px;padding:13px 22px;border-radius:var(--r-pill);cursor:pointer;transition:background .25s}
.totop:hover{background:rgba(255,255,255,.16)}
.totop svg{width:15px;height:15px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1.1fr 1fr 0.9fr;gap:30px}
.foot-about{font-size:14.5px;color:rgba(255,255,255,.7);max-width:300px;margin:0 0 18px}
.foot-contact{font-size:14.5px;color:rgba(255,255,255,.72);margin:0;line-height:1.8}
.foot-contact strong{display:block;color:#fff;font-family:var(--serif);font-size:16px;margin-bottom:6px}
.foot-contact a:hover{color:#fff}
.foot-col strong.h{display:block;font-size:12.5px;letter-spacing:0;text-transform:none;color:#fff;font-weight:600;margin-bottom:16px}
.foot-col nav{display:flex;flex-direction:column;gap:11px}
.foot-col nav a{font-size:14.5px;color:rgba(255,255,255,.72)}
.foot-col nav a:hover{color:#fff}
.foot-legal{background:#05101f;border:0;border-radius:12px;margin-top:40px;padding:18px 26px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;font-size:13px}
.foot-legal .lset{display:flex;gap:22px;flex-wrap:wrap}
.foot-legal .lset a{color:rgba(255,255,255,.7)}
.foot-legal .lset a:hover{color:#fff}
.foot-legal .cp{color:rgba(255,255,255,.5)}
.foot-soc{display:flex;gap:14px}
.foot-soc a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.22);display:inline-flex;align-items:center;justify-content:center;color:rgba(255,255,255,.75);transition:color .2s,border-color .2s}
.foot-soc a:hover{color:#fff;border-color:#fff}
.foot-soc svg{width:17px;height:17px}
.card,.feat-body,.band-body,.stepc,.erg-in>div,.zg{min-width:0}
/* reveal */
  .rv{transform:translateY(22px);transition:transform .42s var(--ease)}
.rv.in{transform:none}
.rv-d1{transition-delay:.05s}
.rv-d2{transition-delay:.1s}
.rv-d3{transition-delay:.15s}
/* cookie */
  .cookie{position:fixed;inset:0;z-index:130;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(7,24,49,.55);-webkit-backdrop-filter:blur(5px);backdrop-filter:blur(5px)}
.cookie.hide{display:none}
.cookie-inner{max-width:440px;width:100%;background:#fff;color:var(--ink);border-radius:var(--r);padding:36px 32px 28px;text-align:center}
.cookie-ic{width:54px;height:54px;margin:0 auto 18px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:var(--soft);color:var(--blue)}
.cookie-ic svg{width:27px;height:27px}
.cookie-inner h3{font-size:21px;margin-bottom:10px}
.cookie-text{font-size:14px;color:var(--body);line-height:1.62;margin:0}
.cookie-text a{color:var(--blue);text-decoration:underline}
.cookie-actions{display:flex;gap:10px;margin-top:24px}
.cbtn{flex:1;font-family:var(--sans);font-weight:600;font-size:14px;padding:14px 16px;border-radius:var(--r-pill);cursor:pointer;border:none;transition:filter .2s}
.cbtn:hover{filter:brightness(1.04)}
.cbtn.gh{background:var(--soft);color:var(--ink)}
.cbtn.pr{background:var(--navy);color:#fff}
@media(max-width:980px){
    .nav-links{display:none}.nav-cta .btn{display:none}.nav-toggle{display:inline-flex}.nav-util{display:none}
    .hero-block{grid-template-columns:minmax(0,1fr)}
    .hero-panel h1{font-size:clamp(28px,7vw,40px)}
    .hero-photo{order:-1;min-height:300px;aspect-ratio:16/11}
    .cards{grid-template-columns:1fr}
    .feat,.feat.rev .feat-media{grid-template-columns:1fr;order:0}
    .feat-media{aspect-ratio:16/10}
    .statband-in{grid-template-columns:1fr}
    .zg-grid{grid-template-columns:1fr 1fr}
    .erg-grid{grid-template-columns:1fr;gap:30px}
    .erg-left{position:static}
    .ecard{position:static}
    .band{grid-template-columns:1fr}
    .band-photo{order:-1;min-height:260px;aspect-ratio:16/10}
    .stepc,.stepc.rev{grid-template-columns:1fr}
    .stepc-img,.stepc.rev .stepc-img{order:-1;min-height:210px;aspect-ratio:16/10}
    .foot-grid{grid-template-columns:1fr 1fr}
  }
@media(max-width:560px){
    .wrap,.wide{padding:0 20px}
    .zg-grid{grid-template-columns:1fr}
    .erg-items{grid-template-columns:1fr}
    .foot-grid{grid-template-columns:1fr}
    .foot-legal{flex-direction:column;align-items:flex-start}
    .trust-in{gap:12px 28px;justify-content:flex-start}
  }
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:clamp(40px,5vw,56px)}
.news-card{background:var(--soft);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .35s var(--ease)}
.news-card:hover{transform:translateY(-5px)}
.news-img{aspect-ratio:16/10;overflow:hidden}
.news-img img{width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.news-card:hover .news-img img{transform:scale(1.04)}
.news-body{padding:clamp(22px,2.4vw,30px);display:flex;flex-direction:column;gap:9px;flex:1}
.news-meta{display:flex;justify-content:space-between;align-items:center;font-family:var(--sans);font-size:12.5px;color:var(--blue);font-weight:600}
.news-time{color:var(--muted);display:inline-flex;align-items:center;gap:6px;font-weight:500}
.news-time .ph{font-size:18px}
.news-time svg{width:18px;height:18px}
.news-card h3{font-size:19px;line-height:1.3;color:var(--ink);margin:2px 0}
.news-date{font-family:var(--sans);font-size:12.5px;color:var(--muted)}
.news-body>p{font-size:14px;line-height:1.56;color:var(--body);margin:0}
@media(max-width:860px){.news-grid{grid-template-columns:1fr}}
.hdd{position:relative;z-index:60;margin-bottom:18px;max-width:380px}
.hdd-btn{display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);color:#fff;border-radius:var(--r-pill);padding:13px 20px;font-family:var(--sans);font-size:15px;font-weight:600;cursor:pointer;transition:background .2s var(--ease),border-color .2s var(--ease)}
.hdd-btn:hover,.hdd.open .hdd-btn{background:rgba(255,255,255,.17);border-color:rgba(255,255,255,.42)}
.hdd-chev{display:flex;transition:transform .25s var(--ease)}
.hdd-chev svg{width:13px;height:13px}
.hdd.open .hdd-chev{transform:rotate(180deg)}
.hdd-menu{position:absolute;top:calc(100% + 8px);left:0;right:0;background:#fff;border:1px solid var(--line);border-radius:16px;padding:6px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .2s var(--ease),transform .2s var(--ease),visibility .2s var(--ease);z-index:50}
.hdd.open .hdd-menu{opacity:1;visibility:visible;transform:none}
.hdd-menu a{display:block;padding:12px 15px;border-radius:10px;font-family:var(--sans);font-size:14.5px;font-weight:500;color:var(--ink);text-decoration:none;transition:background .15s var(--ease),color .15s var(--ease)}
.hdd-menu a:hover{background:var(--soft);color:var(--blue)}
.nav-dd{position:relative;display:inline-flex}
.nav-dd::after{content:"";position:absolute;top:100%;left:-14px;right:-14px;height:18px}
.nav-dd-menu{position:absolute;top:calc(100% + 16px);left:50%;transform:translateX(-50%) translateY(-6px);min-width:330px;background:#fff;border:0;border-radius:18px;padding:8px;box-shadow:0 24px 56px -16px rgba(20,38,63,.26),0 6px 18px -8px rgba(20,38,63,.12);clip-path:inset(-80px -80px 100% -80px);visibility:hidden;transition:clip-path .16s var(--ease),transform .16s var(--ease),visibility 0s linear .16s;z-index:120}
.nav-dd:hover .nav-dd-menu,.nav-dd:focus-within .nav-dd-menu{visibility:visible;transform:translateX(-50%) translateY(0);clip-path:inset(-80px -80px -80px -80px);transition:clip-path .24s cubic-bezier(.22,1,.36,1),transform .24s cubic-bezier(.22,1,.36,1),visibility 0s linear 0s}
.nav-dd{align-items:center;gap:4px}
.nav-dd .dd-chev{width:14px;height:14px;flex:none;color:var(--ink)}
@media (prefers-reduced-motion:reduce){.nav-dd-menu{transition:none!important}}
.nav-dd-menu a{display:flex;align-items:center;gap:13px;padding:11px 13px;border-radius:12px;text-decoration:none;color:var(--ink);font-family:var(--sans);font-size:14.5px;font-weight:600;white-space:nowrap;transition:background .15s var(--ease)}
.nav-dd-menu a:hover{background:var(--soft)}
.nav-dd-menu a::after{display:none}
.nav-dd-menu .ndi{width:40px;height:40px;border-radius:12px;background:var(--soft);color:var(--blue);display:flex;align-items:center;justify-content:center;flex:none;transition:background .15s var(--ease),color .15s var(--ease)}
.nav-dd-menu .ndi svg{width:21px;height:21px}
.nav-dd-menu a:hover .ndi{background:var(--blue);color:#fff}
.nav-dd-menu a small{display:block;font-size:12px;color:var(--muted);font-weight:400;margin-top:2px;white-space:normal}
.artwrap{max-width:1080px;margin:0 auto;padding:clamp(24px,2.8vw,36px) clamp(16px,4vw,40px) 0}
.crumb-bar{margin-top:79px;border-bottom:1px solid var(--line);background:#fff}
.crumb-bar .crumbs{display:flex;align-items:center;gap:7px;flex-wrap:wrap;padding:13px 0;font-family:var(--sans);font-size:13px;color:var(--muted)}
.crumb-bar a{display:inline-flex;align-items:center;gap:5px;color:var(--muted);text-decoration:none;transition:color .2s var(--ease)}
.crumb-bar a:hover{color:var(--blue)}
.crumb-bar a svg{width:16px;height:16px}
.crumb-bar .sep{display:flex;color:var(--muted);opacity:.45}
.crumb-bar .sep svg{width:14px;height:14px}
.crumb-bar .cur{color:var(--ink);font-weight:600}
.art-hero{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:16/7.5;background:var(--soft)}
.art-hero img{width:100%;height:100%;object-fit:cover;display:block}
.art-bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 0;border-bottom:1px solid var(--line);margin-bottom:clamp(28px,3vw,42px);flex-wrap:wrap}
.art-back{display:inline-flex;align-items:center;gap:7px;font-family:var(--sans);font-size:14.5px;font-weight:600;color:var(--ink);text-decoration:none}
.art-back:hover{color:var(--blue)}
.art-back svg{width:17px;height:17px}
.art-tools{display:flex;align-items:center;gap:clamp(16px,2vw,26px);flex-wrap:wrap}
.art-tools button,.art-tools a{display:inline-flex;align-items:center;gap:8px;background:none;border:0;padding:0;cursor:pointer;font-family:var(--sans);font-size:14px;font-weight:600;color:var(--blue);text-decoration:none}
.art-tools button:hover,.art-tools a:hover{color:var(--ink)}
.art-tools svg{width:18px;height:18px}
.art-bar svg{stroke-width:1.3}
.art{max-width:720px;margin:0 auto}
.art-cat-row{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:18px}
.art-cat{font-family:var(--sans);font-size:13px;font-weight:600;color:var(--blue)}
.art-rt{display:inline-flex;align-items:center;gap:7px;font-family:var(--sans);font-size:13px;color:var(--muted)}
.art-rt svg{width:15px;height:15px;color:var(--muted)}
.art h1{font-size:clamp(28px,4vw,42px);line-height:1.16;color:var(--ink);margin:0 0 16px}
.art-byline{font-family:var(--sans);font-size:14px;color:var(--muted);margin:0 0 28px}
.art-byline b{color:var(--ink);font-weight:600}
.art-lead{font-size:19px;line-height:1.6;color:var(--ink);font-weight:500;margin:0 0 30px}
.art-key{background:var(--soft);border-radius:var(--r-lg);padding:clamp(24px,2.6vw,34px);margin:0 0 36px}
.art-key h2{font-size:19px;color:var(--ink);margin:0 0 16px}
.art-key ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:13px}
.art-key li{position:relative;padding-left:40px;font-size:15.5px;line-height:1.6;color:var(--body)}
.art-key .kc{position:absolute;left:0;top:1px;width:26px;height:26px;border-radius:8px;background:rgba(26,74,138,.1);color:var(--blue);display:flex;align-items:center;justify-content:center}
.art-key .kc svg{width:15px;height:15px}
.art-body{font-size:16.5px;line-height:1.72;color:var(--body)}
.art-body h2{font-size:clamp(22px,2.6vw,28px);line-height:1.25;color:var(--ink);margin:42px 0 16px;scroll-margin-top:110px}
.art-body p{margin:0 0 20px}
.art-body a{color:var(--blue);text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}
.art-body ul{margin:0 0 22px;padding-left:4px;list-style:none}
.art-body ul li{position:relative;padding-left:24px;margin-bottom:11px;line-height:1.6}
.art-body ul li::before{content:"";position:absolute;left:2px;top:10px;width:6px;height:6px;border-radius:50%;background:var(--blue)}
.art-body strong{color:var(--ink);font-weight:600}
.art-author{background:var(--soft);border-radius:var(--r-lg);padding:clamp(26px,2.8vw,38px);margin:clamp(38px,4vw,54px) 0 0;display:flex;gap:28px;align-items:flex-start}
.art-author img{width:104px;height:104px;border-radius:16px;object-fit:cover;flex:none}
.art-author .aa-k{font-family:var(--sans);font-size:12.5px;color:var(--muted);margin-bottom:6px}
.art-author h3{font-size:22px;color:var(--ink);margin:0 0 8px}
.art-author p{font-size:15px;line-height:1.6;color:var(--body);margin:0}
.aa-actions{display:flex;align-items:center;gap:10px 22px;margin-top:18px;flex-wrap:wrap}
.aa-link{display:inline-flex;align-items:center;gap:7px;font-family:var(--sans);font-size:13.5px;font-weight:600;color:var(--blue);background:none;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;transition:color .2s var(--ease)}
.aa-link:hover{color:var(--ink)}
.aa-link svg{width:16px;height:16px}
@media(max-width:560px){.art-author{flex-direction:column;text-align:center;gap:18px;align-items:center}.aa-actions{justify-content:center}}
.art-info{background:rgba(26,74,138,.055);border-radius:var(--r-lg);padding:clamp(22px,2.4vw,30px) clamp(22px,2.4vw,32px);margin:8px 0 30px}
.art-info-h{display:flex;align-items:center;gap:9px;font-family:var(--sans);font-size:12.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--blue);margin-bottom:11px}
.art-info-h svg{width:19px;height:19px}
.art-info p{margin:0;font-size:15.5px;line-height:1.66;color:var(--body)}
.art-info strong{color:var(--ink);font-weight:600}
.art-quote{margin:clamp(34px,4vw,50px) 0;display:flex;flex-direction:column;align-items:center;text-align:center}
.art-quote img{width:86px;height:86px;border-radius:50%;object-fit:cover;margin-bottom:22px}
.art-quote blockquote{margin:0;font-family:var(--serif);font-size:clamp(21px,2.7vw,29px);line-height:1.38;color:var(--ink);font-weight:400;max-width:600px}
.art-quote figcaption{margin-top:18px;font-family:var(--sans);font-size:13.5px;font-weight:600;color:var(--muted)}
.art-faq{margin:clamp(42px,4.6vw,58px) 0 0}
.art-faq h2{font-size:clamp(22px,2.6vw,28px);line-height:1.25;color:var(--ink);margin:0 0 20px}
.faq-list{display:flex;flex-direction:column;gap:12px}
.faq-item{background:var(--soft);border-radius:14px;overflow:hidden}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:18px;width:100%;background:none;border:0;cursor:pointer;padding:18px 22px;text-align:left;font-family:var(--sans);font-size:16px;font-weight:600;color:var(--ink)}
.faq-ic{display:flex;flex:none;color:var(--blue);transition:transform .3s var(--ease)}
.faq-ic svg{width:20px;height:20px}
.faq-item.open .faq-ic{transform:rotate(180deg)}
.faq-wrap{display:grid;grid-template-rows:0fr;transition:grid-template-rows .36s cubic-bezier(.4,0,.2,1)}
.faq-item.open .faq-wrap{grid-template-rows:1fr}
.faq-inner{min-height:0;overflow:hidden}
.faq-a{padding:0 22px 20px}
.faq-a p{margin:0;font-size:15.5px;line-height:1.66;color:var(--body)}
.faq-a a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.glz-tip{position:relative;color:var(--blue);border-bottom:1px dotted var(--blue);cursor:help}
.glz-bubble{position:absolute;left:0;bottom:calc(100% + 10px);width:min(290px,78vw);background:var(--navy);color:#fff;font-family:var(--sans);font-size:13.5px;font-weight:400;line-height:1.55;text-align:left;padding:13px 16px;border-radius:12px;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .2s var(--ease),transform .2s var(--ease),visibility .2s var(--ease);z-index:60;pointer-events:none}
.glz-bubble b{display:block;font-weight:600;color:#fff;margin-bottom:4px;font-size:14px}
.glz-bubble::after{content:"";position:absolute;top:100%;left:20px;border:7px solid transparent;border-top-color:var(--navy)}
.glz-tip:hover .glz-bubble,.glz-tip:focus .glz-bubble,.glz-tip:focus-within .glz-bubble{opacity:1;visibility:visible;transform:none}
.toc{position:fixed;left:clamp(16px,2vw,40px);top:clamp(112px,16vh,150px);width:246px;background:var(--soft);border-radius:18px;padding:20px 22px;visibility:hidden;transform:translateX(calc(-100% - 56px));transition:transform .48s cubic-bezier(.4,0,.2,1),visibility 0s linear .48s;will-change:transform;z-index:40}
.toc.show{visibility:visible;transform:translateX(0);transition:transform .48s cubic-bezier(.4,0,.2,1),visibility 0s linear 0s}
.toc-t{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:0;color:var(--ink);margin:0 0 14px;padding-left:16px}
.toc-list{position:relative;display:flex;flex-direction:column}
.toc-list a{display:block;padding:7px 0 7px 16px;border-left:2px solid var(--line);font-family:var(--sans);font-size:13px;line-height:1.4;color:var(--muted);text-decoration:none;transition:color .22s var(--ease)}
.toc-list a:hover{color:var(--ink)}
.toc-list a.active{color:var(--ink);font-weight:600}
.toc-marker{position:absolute;left:0;top:0;width:2px;height:0;border-radius:2px;background:var(--blue);transition:transform .34s cubic-bezier(.4,0,.2,1),height .22s var(--ease);pointer-events:none}
@media(max-width:1240px){.toc{display:none}}
@media print{html,body{overflow:visible!important;height:auto!important;background:#fff}#hdr,header,.footer,.art-bar,.toc,.news,#kontakt{display:none!important}.artwrap{padding-top:0;max-width:none}.art,.art-body{max-width:none}.art-info{background:#f2f4f8}.art-quote img,.art-author img{-webkit-print-color-adjust:exact;print-color-adjust:exact}a{text-decoration:none!important;color:#111!important}}
h1,h2,h3{text-wrap:balance}
h1,h2,h3,h4{-webkit-hyphens:manual!important;hyphens:manual!important}
[data-hl] .w{white-space:nowrap}

/* Inhaltselemente der Beiträge aus dem Block-Editor (Zwischenüberschriften, Listen, Tabellen, Bilder, Einbettungen,
   Rechner-Verweis, Beratungs-Banner, Kassen-Sparcheck). Ohne Schatten und ohne einseitige Rahmen. */
.art-body h3{font-size:clamp(19px,2vw,23px);line-height:1.3;color:var(--ink);margin:32px 0 12px;scroll-margin-top:110px}
.art-body h4,.art-body h5,.art-body h6{font-family:var(--sans);font-size:16.5px;font-weight:700;line-height:1.4;color:var(--ink);letter-spacing:0;margin:26px 0 10px}
.art-body ol{margin:0 0 22px;padding:0;list-style:none;counter-reset:mk-ol}
.art-body ol[start]{counter-reset:none}
.art-body ol>li{position:relative;padding-left:36px;margin-bottom:12px;line-height:1.6;counter-increment:mk-ol}
.art-body ol>li::before{content:counter(mk-ol);position:absolute;left:0;top:1px;width:24px;height:24px;border-radius:8px;background:rgba(26,74,138,.1);color:var(--blue);font-family:var(--sans);font-size:12.5px;font-weight:700;display:flex;align-items:center;justify-content:center}
.art-body li>ul,.art-body li>ol{margin:10px 0 0}
.art-body .wp-block-table{margin:8px 0 30px;overflow-x:auto;border-radius:var(--r-lg);background:var(--soft)}
.art-body table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.5;min-width:520px}
.art-body th,.art-body thead td{background:var(--navy);color:#fff;font-family:var(--sans);font-weight:600;text-align:left;padding:13px 16px}
.art-body td{padding:12px 16px;color:var(--body);vertical-align:top}
.art-body tbody tr:nth-child(even) td{background:#fff}
.art-body .has-text-align-center{text-align:center}
.art-body .has-text-align-right{text-align:right}
.art-body .wp-element-caption{font-family:var(--sans);font-size:13px;color:var(--muted);margin-top:8px}
.art-body .wp-block-image{margin:8px 0 30px}
.art-body .wp-block-image img{width:100%;height:auto;border-radius:var(--r-lg);display:block}
.art-body .wp-block-embed{margin:8px 0 30px}
.art-body .wp-block-embed__wrapper{position:relative;aspect-ratio:16/9;border-radius:var(--r-lg);overflow:hidden;background:var(--soft)}
.art-body .wp-block-embed__wrapper iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.art-body hr{border:0;height:1px;background:var(--line);margin:36px 0}
.art-info p+p{margin-top:12px}
.art-info ul{margin:12px 0 0}
.art-info ul li{font-size:15.5px}
.art-rechner{display:flex;align-items:center;gap:18px;margin:8px 0 30px;padding:20px 22px;border-radius:var(--r-lg);background:var(--soft);text-decoration:none!important;color:var(--ink);transition:background .25s var(--ease)}
.art-rechner:hover{background:var(--soft2)}
.art-rechner-ic{width:48px;height:48px;border-radius:14px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;flex:none}
.art-rechner-ic svg{width:24px;height:24px}
.art-rechner-t{display:flex;flex-direction:column;gap:3px;flex:1;font-family:var(--sans);font-size:14.5px;line-height:1.5;color:var(--body)}
.art-rechner-t b{font-size:16px;color:var(--ink);font-weight:700}
.art-rechner-go{width:38px;height:38px;border-radius:50%;background:#fff;color:var(--blue);display:flex;align-items:center;justify-content:center;flex:none}
.art-rechner-go svg{width:18px;height:18px}
.art-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;margin:clamp(30px,4vw,44px) 0;padding:clamp(24px,3vw,34px);border-radius:var(--r-lg);background:var(--navy);color:#fff}
.art-cta-text{flex:1}
.art-cta-text p{margin:0;color:rgba(255,255,255,.78);font-size:15.5px;line-height:1.6}
.art-body .art-cta-text .art-cta-h{font-family:var(--serif);font-size:clamp(21px,2.3vw,26px);line-height:1.25;color:#fff;margin:0 0 8px}
.art-cta .btn,.art-body .art-cta .btn{flex:none;color:#fff;text-decoration:none!important}
.mk-sparcheck{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin:8px 0 30px;padding:clamp(22px,3vw,32px);border-radius:var(--r-lg);background:var(--soft)}
.art-body .mk-sparcheck-title{font-family:var(--serif);font-size:clamp(21px,2.3vw,26px);line-height:1.25;color:var(--ink);margin:0 0 16px}
.mk-sparcheck-title .gradient{color:var(--blue)}
.art-body .mk-sparcheck-note{font-family:var(--sans);font-size:13px;color:var(--muted);margin:12px 0 0}
.mk-sparcheck-img{width:150px;height:auto}
@media(max-width:760px){
  .art-cta{flex-direction:column;align-items:flex-start}
  .mk-sparcheck{grid-template-columns:1fr}
  .mk-sparcheck-img{display:none}
}
.art-body .wp-block-table th,.art-body .wp-block-table td{border:0}
.art-body .wp-block-table thead{border:0}
.art-body .wp-block-table table{border:0}
.blog-h1{font-size:clamp(31px,4vw,48px)}