@font-face{font-family:"Albert Sans";src:url("../fonts/AlbertSans-Variable.woff2") format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
/* Layout: Landingpage, Hero mit eingebettetem Rechner, danach Leistungen, Vertrauen, Ablauf, Formular, FAQ */
:root{
  --bg:#f6f8fa; --surface:#ffffff; --fg:#17293a; --muted:#56687a; --line:#dbe3ea;
  --brand:#21445d; --accent:#2a77ad; --accent-soft:#e6eff6; --ok:#1d7a4c; --bad:#b3261e; --bad-soft:#fbe9e7;
  --font:"Albert Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0e1820; --surface:#16232f; --fg:#e7eef4; --muted:#9db0c0; --line:#28394a;
  --brand:#cfe1ee; --accent:#6fb2e3; --accent-soft:#1a3347; --ok:#5fcf95; --bad:#ff8a80; --bad-soft:#3a1d1b; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0e1820; --surface:#16232f; --fg:#e7eef4; --muted:#9db0c0; --line:#28394a;
  --brand:#cfe1ee; --accent:#6fb2e3; --accent-soft:#1a3347; --ok:#5fcf95; --bad:#ff8a80; --bad-soft:#3a1d1b; color-scheme:dark}
*{box-sizing:border-box}
body{background:var(--bg);color:var(--fg);font-family:var(--font);font-size:17px;line-height:1.55}
.in{max-width:1140px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
h1,h2,h3{color:var(--brand);line-height:1.12;margin:0;text-wrap:balance;letter-spacing:-.015em}
h1{font-size:clamp(32px,4.6vw,50px);font-weight:800}
h2{font-size:clamp(26px,3.2vw,36px);font-weight:800}
h3{font-size:19px;font-weight:700}
p{margin:0}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
a{color:var(--accent)}
button,.btn{font:inherit;font-weight:700;border-radius:10px;padding:13px 20px;border:0;cursor:pointer;background:var(--accent);color:#fff;text-decoration:none;display:inline-block}
button:focus-visible,.btn:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
header.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--surface);border-bottom:1px solid var(--line)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--surface)}
header.top .in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:10px}
.logo{height:48px;width:auto;display:block}
.logo-dark{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .logo-light{display:none}:root:not([data-theme="light"]) .logo-dark{display:block}}
:root[data-theme="dark"] .logo-light{display:none}:root[data-theme="dark"] .logo-dark{display:block}
header.top .btn{padding:10px 16px;font-size:15px}
section{padding-block:64px}
.hero{padding-block:48px 64px}
.hero .in{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:44px;align-items:start}
@media (max-width:900px){.hero .in{grid-template-columns:minmax(0,1fr)}}
.hero-copy{display:flex;flex-direction:column;gap:18px;padding-top:12px}
.hero-copy .lead{font-size:19px;color:var(--muted);max-width:52ch}
.checks{list-style:none;padding:0;margin:4px 0 0;display:flex;flex-direction:column;gap:8px}
.checks li{display:flex;gap:10px;align-items:baseline}
.checks li::before{content:"✓";color:var(--ok);font-weight:800}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:24px;display:flex;flex-direction:column;gap:18px;box-shadow:0 10px 30px -18px rgba(23,41,58,.35)}
.calc h2{font-size:22px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fields .full{grid-column:1/-1}
@media (max-width:480px){.fields,.res,.compare{grid-template-columns:minmax(0,1fr)}}
label{display:flex;flex-direction:column;gap:5px;font-size:14px;font-weight:600;color:var(--muted)}
input,select,textarea{font:inherit;font-size:16px;color:var(--fg);background:var(--bg);border:1px solid var(--line);border-radius:9px;padding:10px 12px;width:100%;min-width:0}
.range-row{display:flex;align-items:center;gap:12px}
.range-row input[type=range]{padding:0;border:0;background:none;accent-color:var(--accent)}
.range-row output{font-weight:800;color:var(--fg);min-width:52px;text-align:right;font-variant-numeric:tabular-nums}
.res{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.tile{background:var(--accent-soft);border-radius:12px;padding:14px 16px;display:flex;flex-direction:column;gap:2px}
.tile .v{font-size:28px;font-weight:800;color:var(--brand);font-variant-numeric:tabular-nums;line-height:1.1}
.tile .l{font-size:13.5px;color:var(--muted)}
.tile.wide{grid-column:1/-1}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;font-size:15px}
.compare div{border:1px solid var(--line);border-radius:12px;padding:12px 14px}
.compare b{display:block;font-size:22px;color:var(--brand);font-variant-numeric:tabular-nums}
.fine{font-size:12.5px;color:var(--muted)}
.band{background:var(--surface);border-block:1px solid var(--line)}
.head{display:flex;flex-direction:column;gap:10px;max-width:720px;margin-bottom:32px}
.head p{color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:860px){.grid3{grid-template-columns:1fr}}
.col{display:flex;flex-direction:column;gap:14px}
.col h3{font-size:14px;text-transform:uppercase;letter-spacing:.08em;color:var(--accent)}
.svc b{display:block;color:var(--fg)}
.svc span{color:var(--muted);font-size:15.5px}
.budget{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:28px}
@media (max-width:860px){.budget{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:480px){.budget{grid-template-columns:minmax(0,1fr)}}
.budget div{background:var(--bg);border-radius:12px;padding:14px 16px}
.budget b{display:block;color:var(--brand)}
.budget span{font-size:15px;color:var(--muted)}
.trust .in{display:grid;grid-template-columns:260px minmax(0,1fr);gap:40px;align-items:center}
@media (max-width:760px){.trust .in{grid-template-columns:minmax(0,1fr)}}
.photo{width:220px;height:220px;border-radius:50%;object-fit:cover;display:block;max-width:100%}
.stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:22px}
@media (max-width:640px){.stats{grid-template-columns:1fr}}
.stats div{border-left:3px solid var(--accent);padding-left:14px}
.stats b{display:block;font-size:26px;color:var(--brand);line-height:1.15}
.stats span{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;counter-reset:s;list-style:none;padding:0;margin:0}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:s;display:flex;flex-direction:column;gap:6px}
.steps li::before{content:counter(s);font-size:32px;font-weight:800;color:var(--accent);line-height:1}
.steps span{color:var(--muted);font-size:15.5px}
.lead-box{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:40px;align-items:start}
@media (max-width:860px){.lead-box{grid-template-columns:minmax(0,1fr)}}
form.lead{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:24px;display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.lead .full{grid-column:1/-1}
@media (max-width:520px){form.lead{grid-template-columns:minmax(0,1fr)}}
.consent{flex-direction:row;align-items:flex-start;gap:10px;font-weight:500;font-size:14px}
.consent input{width:auto;margin-top:3px}
.err{color:#b3261e;font-size:14px;font-weight:600}
.thanks{background:var(--accent-soft);border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:10px}
details{border-bottom:1px solid var(--line);padding-block:14px}
summary{cursor:pointer;font-weight:700;color:var(--brand)}
details p{margin-top:8px;color:var(--muted);max-width:70ch}
footer{padding-block:36px;font-size:14px;color:var(--muted)}
footer .in{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}
.proto{background:#fff4dc;color:#7a4b00;font-size:13px;text-align:center;padding:6px 12px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.legal{max-width:760px;padding-block:40px 64px}

.wissen{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
@media (max-width:860px){.wissen{grid-template-columns:minmax(0,1fr)}}
.wissen article{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px 24px;display:flex;flex-direction:column;gap:12px;min-width:0}
.wissen article p{color:var(--fg);max-width:65ch}
.wissen strong{color:var(--brand)}
.facts{border-collapse:collapse;width:100%;font-size:15.5px;font-variant-numeric:tabular-nums}
.facts th,.facts td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--line)}
.facts th{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.facts td:not(:first-child),.facts th:not(:first-child){text-align:right}
.dots{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:8px}
.byline{margin-top:22px;font-size:14px;color:var(--muted)}
footer nav a{white-space:nowrap}
.calc,.compare>div,.lead-box>*,form.lead>*{min-width:0}
.compare>div{overflow-wrap:break-word;hyphens:auto}
@media (max-width:480px){.fields,.res,.compare{grid-template-columns:minmax(0,1fr)}}
@media (max-width:420px){.facts{font-size:14px}.facts th,.facts td{padding:7px 4px}.facts th{font-size:11.5px;letter-spacing:.02em}.wissen article{padding:18px 16px}}

/* ---- emotionaler Umbau ---- */
.urgent{background:#21445d;color:#fff;padding-block:18px}
.urgent .in{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.urgent p{flex:1 1 380px;min-width:0;font-size:16px;line-height:1.45;color:#dbe7f1}
.urgent strong{color:#fff}
.urgent .count{flex:none;display:flex;flex-direction:column;align-items:center;justify-content:center;background:#fff;color:#21445d;border-radius:12px;padding:8px 16px;line-height:1.1;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.urgent .count b{font-size:22px;letter-spacing:0;text-transform:none;white-space:nowrap}
.btn.light{background:#fff;color:#21445d}
.vs,.gvb{display:flex;flex-direction:column;gap:18px;max-width:900px}
.vsrow{display:grid;grid-template-columns:minmax(0,260px) minmax(0,1fr) auto;gap:18px;align-items:center}
.vsl b{display:block;color:var(--brand);font-size:18px}
.vsl span{font-size:14.5px;color:var(--muted)}
.vsbar{height:34px;background:var(--line);border-radius:8px;overflow:hidden}
.vsbar i{display:block;height:100%;border-radius:8px;background:var(--accent);transform-origin:left center}
.vsbar i.bad{background:var(--bad)}
.vsbar i.good{background:var(--accent)}
.vsbar i.mute{background:var(--muted)}
.vsbar i.go{animation:grow 1.1s cubic-bezier(.2,.7,.2,1) both}
@keyframes grow{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.vsv{font-size:26px;font-weight:800;color:var(--brand);font-variant-numeric:tabular-nums;min-width:120px;text-align:right}
.vsv.bad{color:var(--bad)}
.vsfazit{margin-top:22px;font-size:20px;font-weight:700;color:var(--brand);max-width:60ch}
@media (max-width:640px){.vsrow{grid-template-columns:minmax(0,1fr) auto;gap:8px 14px}.vsl{grid-column:1/-1}.vsv{font-size:22px;min-width:0}}
.scenes{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
@media (max-width:960px){.scenes{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.scenes{grid-template-columns:minmax(0,1fr)}}
.scene{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:20px;display:flex;flex-direction:column;gap:8px;min-width:0}
.scene p{font-size:15.5px;color:var(--muted);flex:1}
.scene .pay{display:inline-block;align-self:flex-start;background:var(--accent-soft);color:var(--brand);border-radius:999px;padding:5px 12px;font-size:14.5px}
.ill{width:84px;height:84px;fill:none;stroke:var(--brand);stroke-width:5;stroke-linecap:round;stroke-linejoin:round;margin-bottom:4px}
.ill .a{stroke:var(--accent)}
.gvb{margin-top:40px;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:24px;max-width:none}
.gvb h3{font-size:20px}
#alltag .fine{margin-top:16px}
.zitat{margin:18px 0 0;padding:4px 0 4px 18px;border-left:4px solid var(--accent);font-size:21px;line-height:1.4;font-weight:600;color:var(--brand);max-width:56ch}
.zitat cite{display:block;margin-top:8px;font-size:14.5px;font-style:normal;font-weight:500;color:var(--muted)}
.tile.hl{background:var(--brand)}
.tile.hl .l,.tile.hl .l b,.tile.hl .l span{color:var(--bg)}
.tile.hl .v{color:var(--bg)}

/* ---- Navigation, Footer und Ratgeber-Seiten ---- */
header.top .in>a:first-child{flex:none}
.mnav{display:flex;gap:22px;margin-left:auto}
.mnav a{color:var(--brand);font-weight:600;font-size:15.5px;text-decoration:none}
.mnav a:hover{color:var(--accent)}
@media (max-width:720px){.mnav{display:none}}
footer{border-top:1px solid var(--line);background:var(--surface)}
footer .fgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;padding-block:8px 24px}
@media (max-width:760px){footer .fgrid{grid-template-columns:minmax(0,1fr)}}
footer .fgrid b{display:block;color:var(--brand);font-size:15px;margin-bottom:8px}
footer .fgrid ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:5px}
footer .fgrid p{margin-top:8px}
footer a{color:var(--muted)}
footer a:hover{color:var(--accent)}
footer .fbottom{border-top:1px solid var(--line);padding-top:18px}
.crumbs{font-size:14px;color:var(--muted);padding-top:22px}
.crumbs a{color:var(--muted)}
.art{max-width:820px;padding-block:0 64px}
.art article{display:flex;flex-direction:column}
.art .eyebrow{margin-top:26px}
.art h1{margin-top:10px;font-size:clamp(30px,4.2vw,44px)}
.art .lead{font-size:19px;color:var(--muted);margin-top:16px;max-width:62ch}
.art h2{font-size:clamp(23px,2.6vw,29px);margin:44px 0 6px;scroll-margin-top:90px}
.art h2+p,.art h2+ul,.art h2+ol{margin-top:6px}
.art p{margin-top:12px;max-width:68ch}
.art article>ul,.art article>ol{margin:12px 0 0;padding-left:22px;display:flex;flex-direction:column;gap:7px;max-width:68ch}
.art table.facts{margin-top:14px}
.tablewrap{overflow-x:auto;margin-top:14px}
.tablewrap table.facts{margin-top:0;min-width:520px}
.facts td:first-child{text-align:left}
.vtab td,.vtab th{text-align:left!important;vertical-align:top}
.kurz{background:var(--accent-soft);border-radius:16px;padding:20px 24px;margin-top:26px}
.kurz b.t{display:block;color:var(--brand);font-size:13px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px}
.kurz ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:6px}
.toc{border:1px solid var(--line);border-radius:14px;padding:16px 22px;margin-top:22px;font-size:15.5px}
.toc b{color:var(--brand);font-size:13px;text-transform:uppercase;letter-spacing:.1em}
.toc ol{margin:8px 0 0;padding-left:20px;columns:2;column-gap:28px}
.toc li{margin-bottom:4px;break-inside:avoid}
@media (max-width:560px){.toc ol{columns:1}}
.note{border-left:4px solid var(--accent);padding:6px 0 6px 16px;color:var(--muted)}
.kgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:14px}
@media (max-width:640px){.kgrid{grid-template-columns:minmax(0,1fr)}}
.kgrid .tile .v{font-size:26px}
.calc.mini{margin-top:14px}
.calc.mini .res .tile .v{font-size:24px}
.art ol.tl{list-style:none;padding:0;counter-reset:s}
.art ol.tl li{counter-increment:s;display:grid;grid-template-columns:40px minmax(0,1fr);column-gap:12px;row-gap:2px}
.art ol.tl li::before{content:counter(s);grid-row:span 2;width:32px;height:32px;border-radius:50%;background:var(--accent-soft);color:var(--brand);font-weight:800;display:flex;align-items:center;justify-content:center}
.art ol.tl b{color:var(--brand)}
.art ol.tl span{color:var(--muted)}
.art ul.check{list-style:none;padding-left:0}
.art ul.check li{display:flex;gap:10px}
.art ul.check li::before{content:"☐";color:var(--accent);font-weight:700}
.faq{margin-top:6px}
.ctabox{margin-top:48px;background:var(--brand);color:var(--bg);border-radius:18px;padding:28px}
.ctabox h2{color:var(--bg);margin:0}
.ctabox p{color:var(--bg);opacity:.88;max-width:62ch}
.ctabox .small{font-size:14px;opacity:.75}
.ctarow{display:flex;flex-wrap:wrap;gap:12px 22px;align-items:center;margin-top:18px}
.ctabox .btn{background:var(--bg);color:var(--brand)}
.ctabox .lnk{color:var(--bg);font-weight:600}
.author{display:flex;gap:18px;align-items:center;border-top:1px solid var(--line);padding-top:22px;margin-top:22px}
.author img{width:88px;height:88px;border-radius:50%;object-fit:cover;flex:none}
.author b{display:block;color:var(--brand)}
.author span{color:var(--muted);font-size:15px}
.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:14px}
@media (max-width:600px){.related{grid-template-columns:minmax(0,1fr)}}
.related a{display:flex;flex-direction:column;gap:4px;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px;text-decoration:none;min-width:0}
.related a:hover{border-color:var(--accent)}
.related b{color:var(--brand)}
.related span{color:var(--muted);font-size:14.5px}
.art>h2{font-size:clamp(23px,2.6vw,29px);margin:48px 0 6px}
.mehr{display:inline-block;margin-top:4px;font-weight:600}
.art .facts td,.art .facts th{text-align:left;overflow-wrap:anywhere;hyphens:auto}
@media (max-width:480px){.art .facts{font-size:14.5px}.art .facts th,.art .facts td{padding:7px 6px}}
h1,h2,h3{hyphens:auto;overflow-wrap:break-word}
#rechner,#anfrage{scroll-margin-top:84px}