:root{
  --blue:#2563eb;--blue-dark:#1e3a8a;--blue-700:#1d4ed8;
  --ink:#0f172a;--slate:#334155;--muted:#64748b;--line:#e2e8f0;
  --bg:#ffffff;--soft:#f8fafc;--soft2:#f1f5f9;--green:#16a34a;--amber:#f59e0b;
  --shadow:0 10px 30px rgba(15,23,42,.08);--shadow-lg:0 20px 50px rgba(15,23,42,.14);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%}
.wrap{max-width:1140px;margin:0 auto;padding:0 1.5rem}
/* NAV */
nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{max-width:1140px;margin:0 auto;padding:.9rem 1.5rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.logo{font-weight:800;font-size:1.2rem;letter-spacing:-.02em;color:var(--ink);text-decoration:none}
.logo b{color:var(--blue)}
.nav-links{display:flex;align-items:center;gap:1.6rem}
.nav-links a{color:var(--slate);text-decoration:none;font-size:.95rem;font-weight:500;transition:color .15s}
.nav-links a:hover{color:var(--blue)}
.nav-cta{background:var(--amber)!important;color:#fff!important;padding:.6rem 1.2rem;border-radius:8px;font-weight:700!important;box-shadow:0 4px 12px rgba(245,158,11,.35)}
.nav-cta:hover{background:#d97706!important}
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:10px;padding:.9rem 1.7rem;cursor:pointer;border:none;transition:all .18s;font-size:1rem;font-family:inherit}
.btn-primary{background:var(--amber);color:#fff;box-shadow:0 6px 18px rgba(245,158,11,.35)}
.btn-primary:hover{background:#d97706;transform:translateY(-1px)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-700)}
.btn-ghost{background:#fff;color:var(--blue);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--blue)}
/* HERO */
.hero{background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff;padding:4rem 0 4.5rem}
.hero-grid{max-width:1140px;margin:0 auto;padding:0 1.5rem;display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center}
.hero-eyebrow{display:inline-block;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);padding:.35rem .9rem;border-radius:100px;font-size:.82rem;font-weight:600;margin-bottom:1.2rem}
.hero h1{font-size:clamp(2rem,4.2vw,3rem);font-weight:800;line-height:1.12;letter-spacing:-.02em;margin-bottom:1.1rem}
.hero h1 .hl{color:#fbbf24}
.hero-sub{font-size:1.15rem;color:#dbeafe;line-height:1.6;margin-bottom:1.6rem;max-width:540px}
.hero-trust{display:flex;flex-direction:column;gap:.6rem;margin-top:1.4rem}
.hero-trust span{display:flex;align-items:center;gap:.6rem;font-size:.98rem;color:#eff6ff}
.hero-trust span::before{content:'✓';display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;background:var(--green);color:#fff;border-radius:50%;font-size:.8rem;font-weight:700;flex:none}
/* FORM CARD */
.form-card{background:#fff;color:var(--ink);border-radius:16px;box-shadow:var(--shadow-lg);padding:1.8rem}
.form-card h2{font-size:1.3rem;font-weight:800;margin-bottom:.3rem}
.form-card .fc-sub{color:var(--muted);font-size:.9rem;margin-bottom:1.2rem}
.anfrage{display:flex;flex-direction:column;gap:.8rem}
.fg{display:flex;flex-direction:column;gap:.3rem}
.fg label{font-size:.8rem;font-weight:600;color:var(--slate)}
.fg input,.fg select,.fg textarea{padding:.7rem .85rem;border:1px solid var(--line);border-radius:9px;font-family:inherit;font-size:.95rem;color:var(--ink);background:var(--soft);outline:none;transition:border-color .15s,box-shadow .15s}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.12);background:#fff}
.fg textarea{resize:vertical;min-height:70px}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.consent{display:flex;gap:.55rem;align-items:flex-start;font-size:.78rem;color:var(--muted);line-height:1.45}
.consent input{margin-top:.15rem}
.form-note{text-align:center;color:var(--muted);font-size:.8rem}
/* SECTIONS */
section.block{padding:4.5rem 0}
.block.soft{background:var(--soft)}
.eyebrow{color:var(--blue);font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:.6rem}
h2.sec{font-size:clamp(1.6rem,3.2vw,2.2rem);font-weight:800;letter-spacing:-.02em;margin-bottom:.8rem;line-height:1.2}
.sec-desc{color:var(--slate);font-size:1.08rem;max-width:620px;margin-bottom:2.2rem}
.center{text-align:center}.center .sec-desc{margin-left:auto;margin-right:auto}
.problem-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1rem}
.problem-list .row{display:flex;gap:.7rem;align-items:flex-start;color:var(--slate);background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.1rem}
.problem-list .row::before{content:'!';flex:none;width:24px;height:24px;background:#fef2f2;color:#dc2626;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.4rem}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.7rem 1.5rem;box-shadow:var(--shadow)}
.step .n{width:40px;height:40px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.1rem;margin-bottom:1rem}
.step h3{font-size:1.12rem;margin-bottom:.4rem}
.step p{color:var(--muted);font-size:.95rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.25rem}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.6rem;transition:all .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:#cbd5e1}
.card .ic{font-size:1.7rem;margin-bottom:.8rem}
.card h3{font-size:1.1rem;margin-bottom:.4rem}
.card p{color:var(--muted);font-size:.95rem}
.offer-band{background:linear-gradient(135deg,#eff6ff,#fff);border:1px solid #bfdbfe;border-radius:18px;padding:2.5rem;text-align:center;max-width:760px;margin:0 auto}
.offer-band h2{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:.7rem}
.offer-band>p{color:var(--slate);max-width:560px;margin:0 auto 1.5rem;font-size:1.06rem}
.offer-band ul{list-style:none;display:inline-flex;flex-direction:column;gap:.6rem;text-align:left;margin-bottom:1.6rem}
.offer-band li{display:flex;gap:.6rem;color:var(--ink)}
.offer-band li::before{content:'✓';color:var(--green);font-weight:800;flex:none}
.why{display:flex;flex-direction:column;gap:1.1rem}
.why .item{display:flex;gap:1rem;background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.4rem}
.why .item h3{font-size:1.1rem;margin-bottom:.3rem}
.why .item p{color:var(--muted)}
.faq-acc{max-width:780px;margin:0 auto}
details.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:.8rem;background:#fff;padding:0 1.3rem}
details.faq-item summary{cursor:pointer;padding:1.15rem 0;font-weight:700;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem}
details.faq-item summary::-webkit-details-marker{display:none}
details.faq-item summary::after{content:'+';color:var(--blue);font-size:1.5rem;font-weight:400}
details.faq-item[open] summary::after{content:'–'}
details.faq-item p{color:var(--slate);padding:0 0 1.15rem}
.cta-band{background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff;text-align:center;padding:4rem 1.5rem}
.cta-band h2{font-size:clamp(1.7rem,3.5vw,2.3rem);margin-bottom:.7rem}
.cta-band p{color:#dbeafe;font-size:1.1rem;margin-bottom:1.8rem;max-width:600px;margin-left:auto;margin-right:auto}
/* PAGE HERO (Ratgeber/Unterseiten) */
.page-hero{background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff;padding:3.2rem 0}
.page-hero h1{font-size:clamp(1.9rem,4vw,2.7rem);font-weight:800;letter-spacing:-.02em}
.page-hero p{color:#dbeafe;font-size:1.1rem;margin-top:.7rem;max-width:640px}
/* RATGEBER GRID */
.post-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.4rem}
.post-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.6rem;text-decoration:none;display:flex;flex-direction:column;transition:all .2s;box-shadow:var(--shadow)}
.post-card:hover{transform:translateY(-3px);border-color:#bfdbfe}
.post-card .cat{color:var(--blue);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.5rem}
.post-card h3{font-size:1.15rem;font-weight:700;line-height:1.3;margin-bottom:.5rem}
.post-card p{color:var(--muted);font-size:.93rem;flex:1}
.post-card .read{color:var(--blue);font-weight:700;font-size:.9rem;margin-top:1rem}
/* ARTICLE */
.article{max-width:760px;margin:0 auto;padding:3rem 1.5rem}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:1.2rem}
.breadcrumb a{color:var(--muted);text-decoration:none}.breadcrumb a:hover{color:var(--blue)}
.article h1{font-size:clamp(1.8rem,4vw,2.5rem);font-weight:800;letter-spacing:-.02em;line-height:1.18;margin-bottom:.8rem}
.dek{font-size:1.2rem;color:var(--slate);margin-bottom:2rem;padding-bottom:1.5rem;border-bottom:1px solid var(--line)}
.article-body{font-size:1.07rem;line-height:1.8;color:#1e293b}
.article-body h2{font-size:1.6rem;font-weight:800;margin:2.4rem 0 1rem;letter-spacing:-.01em}
.article-body h3{font-size:1.25rem;font-weight:700;margin:1.8rem 0 .7rem}
.article-body p{margin-bottom:1.2rem}
.article-body ul,.article-body ol{margin:0 0 1.4rem 1.4rem}
.article-body li{margin-bottom:.5rem}
.article-body strong{color:var(--ink)}
.article-body a{color:var(--blue);text-decoration:underline}
.article-body table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.97rem}
.article-body th,.article-body td{border:1px solid var(--line);padding:.7rem .9rem;text-align:left}
.article-body th{background:var(--soft);font-weight:700}
.faq{margin-top:3rem;border-top:1px solid var(--line);padding-top:2rem}
.faq h2{font-size:1.6rem;margin-bottom:1.5rem}
.faq-item-s{margin-bottom:1.4rem}
.faq-item-s h3{font-size:1.1rem;margin-bottom:.35rem}
.faq-item-s p{color:var(--slate)}
.article-cta{margin-top:3rem;background:linear-gradient(135deg,#eff6ff,#fff);border:1px solid #bfdbfe;border-radius:16px;padding:2rem;text-align:center}
.article-cta h2{font-size:1.4rem;margin-bottom:.5rem;border:0;padding:0}
.article-cta p{color:var(--slate);margin-bottom:1.4rem}
.related-wrap{max-width:1140px;margin:0 auto;padding:1rem 1.5rem 4rem;border-top:1px solid var(--line)}
.related-wrap h2.sec{font-size:1.5rem;margin:2.5rem 0 1.5rem}
.back-link{display:inline-block;margin-top:2rem;color:var(--muted);text-decoration:none;font-weight:600}
.back-link:hover{color:var(--blue)}
.prose-wrap{max-width:820px;margin:0 auto;padding:3rem 1.5rem}
/* FOOTER */
footer{background:#0f172a;color:#cbd5e1;padding:3rem 0 2rem}
.footer-in{max-width:1140px;margin:0 auto;padding:0 1.5rem;text-align:center}
.footer-logo{font-weight:800;font-size:1.15rem;color:#fff;margin-bottom:.9rem}
.footer-logo b{color:#60a5fa}
.footer-links{display:flex;flex-wrap:wrap;justify-content:center;gap:1.4rem;margin-bottom:1rem}
.footer-links a{color:#94a3b8;text-decoration:none;font-size:.9rem}
.footer-links a:hover{color:#fff}
.footer-copy{color:#64748b;font-size:.82rem;line-height:1.6}
.muted{color:var(--muted)}
@media(max-width:860px){
  .hero-grid{grid-template-columns:1fr;gap:2rem}
  .nav-links a:not(.nav-cta){display:none}
  .f2{grid-template-columns:1fr}
}