/* ==========================================================================
   risikolebensversicherungen-24.de
   Gestaltung nach dem Entwurf „Schutzwerk“ (entwurf-1-schutzwerk.html),
   erweitert um Fließtext, Tabellen, Formular-Pop-up und Rechtstexte.
   ========================================================================== */

@font-face{font-family:"Manrope";font-style:normal;font-weight:400 800;font-display:swap;src:url(/assets/fonts/manrope-latin-ext.woff2) format("woff2");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Manrope";font-style:normal;font-weight:400 800;font-display:swap;src:url(/assets/fonts/manrope-latin.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

:root{
  box-sizing:border-box;
  --bg:#F5F9FC;--surface:#FFFFFF;--ink:#0F2740;--muted:#51667A;--brand:#0A6C9B;--brand-soft:#E0F0F8;
  --cta:#FFB020;--cta-ink:#2A1A00;--line:#DAE5EE;--ok:#12875A;--navy:#0F2740;--navy-ink:#EAF2FA;--warn:#B45309;--warn-soft:#FEF3E2;
  --shadow:0 1px 2px rgba(15,39,64,.06),0 18px 40px -18px rgba(15,39,64,.28);
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){--bg:#0A1625;--surface:#11233A;--ink:#EAF2FA;--muted:#9DB2C6;--brand:#4DB6E8;--brand-soft:#133350;--line:#23405C;--navy:#0D1E33;--ok:#4BD39B;--warn:#F5B35C;--warn-soft:#3A2A12;--shadow:0 1px 2px rgba(0,0,0,.4),0 18px 40px -18px rgba(0,0,0,.6)}
}
:root[data-theme="dark"]{--bg:#0A1625;--surface:#11233A;--ink:#EAF2FA;--muted:#9DB2C6;--brand:#4DB6E8;--brand-soft:#133350;--line:#23405C;--navy:#0D1E33;--ok:#4BD39B;--warn:#F5B35C;--warn-soft:#3A2A12;--shadow:0 1px 2px rgba(0,0,0,.4),0 18px 40px -18px rgba(0,0,0,.6)}
html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 84px);scroll-behavior:smooth;height:100%;-webkit-text-size-adjust:100%}
*,*::before,*::after{box-sizing:inherit}
body{margin:0;background:var(--bg);color:var(--ink);font:500 17px/1.65 "Manrope",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;min-height:100%;padding-top:env(safe-area-inset-top,0px)}
body.modal-open{overflow:hidden}
img,svg{max-width:100%}
a{color:inherit}
h1,h2,h3,h4{line-height:1.18;letter-spacing:-.02em;margin:0 0 .5em;font-weight:800}
h1{font-size:clamp(1.85rem,3.6vw,2.75rem);overflow-wrap:break-word;hyphens:manual}
h2{font-size:clamp(1.45rem,2.6vw,2rem)}
h3{font-size:1.15rem;letter-spacing:-.01em}
h4{font-size:1.02rem;letter-spacing:-.01em}
p{margin:0 0 1em;max-width:72ch}
.i{width:1.3em;height:1.3em;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
:focus-visible{outline:3px solid var(--cta);outline-offset:2px;border-radius:6px}
.wrap{max-width:1240px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--cta);color:var(--cta-ink);padding:10px 16px;z-index:100;font-weight:800}
.skip:focus{left:12px;top:12px}

/* Header */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:24px;height:68px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.08rem;text-decoration:none;letter-spacing:-.02em;min-width:0}
.logo>span:last-child{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.logo .logo-24{color:var(--brand)}
.logo span.m{width:34px;height:34px;border-radius:10px;background:var(--brand);color:#fff;display:grid;place-items:center;flex:none}
.nav{display:flex;gap:4px;margin-left:auto}
.nav a{padding:8px 13px;border-radius:999px;text-decoration:none;font-weight:600;font-size:.95rem;color:var(--muted)}
.nav a:hover,.nav a[aria-current]{background:var(--brand-soft);color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--cta);color:var(--cta-ink);font:800 1rem "Manrope",sans-serif;padding:15px 24px;border-radius:14px;border:0;text-decoration:none;cursor:pointer;box-shadow:0 6px 18px -8px rgba(255,176,32,.9);min-height:48px;text-align:center}
.btn:hover{filter:brightness(1.05)}
.btn.sm{padding:10px 18px;min-height:42px;font-size:.92rem;white-space:nowrap}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:none;border:1.5px solid var(--line)}
.btn.ghost:hover{border-color:var(--brand);color:var(--brand)}

/* Raster mit mitlaufender Seitenspalte */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:56px;align-items:start;padding-top:32px}
.layout.ohne-spalte{grid-template-columns:minmax(0,1fr)}
.calc{position:sticky;top:calc(env(safe-area-inset-top,0px) + 88px);background:var(--surface);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);overflow:hidden}
.calc-head{background:var(--navy);color:var(--navy-ink);padding:18px 22px;display:flex;align-items:center;gap:10px;font-weight:800;line-height:1.3}
.calc-head small{display:block;font-weight:500;opacity:.75;font-size:.8rem;margin-top:2px}
.calc-body{padding:20px 22px 22px;display:flex;flex-direction:column;gap:12px}
.calc-text{font-size:.95rem;color:var(--muted);margin:0}
.f{display:block}
.f .row{display:flex;justify-content:space-between;font-weight:700;font-size:.92rem;margin-bottom:4px}
.f output{color:var(--brand);font-weight:800}
input[type=range]{width:100%;accent-color:var(--brand);height:28px;margin:0}
.check{display:flex;align-items:center;gap:10px;font-weight:600;cursor:pointer}
.check input{width:22px;height:22px;accent-color:var(--brand)}
.calc .btn{width:100%}
.calc-ticks{list-style:none;margin:4px 0 0;padding:0;display:flex;flex-direction:column;gap:4px;font-size:.88rem;font-weight:700;color:var(--muted)}
.calc-ticks li{display:flex;gap:8px;align-items:center}
.calc-ticks .i{color:var(--ok)}
.mbar{display:none}

/* Kopf einer Seite */
.crumb{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.crumb a{text-decoration:none}
.crumb a:hover{color:var(--brand)}
.hero{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:32px;align-items:center;margin-bottom:40px}
.hero.schmal{grid-template-columns:minmax(0,1fr)}
.lead{font-size:1.13rem;color:var(--muted)}
.ticks{display:flex;flex-wrap:wrap;gap:10px 22px;padding:0;margin:20px 0 26px;list-style:none;font-weight:700;font-size:.95rem}
.ticks li{display:flex;gap:8px;align-items:center}
.ticks .i{color:var(--ok)}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.hero-art{width:100%}
.hero-art svg{display:block;width:100%;height:auto;max-width:400px;margin:0 auto}
.answer{margin:0 0 56px;background:var(--surface);border:1px solid var(--line);border-left:6px solid var(--brand);border-radius:16px;padding:22px 26px;box-shadow:var(--shadow)}
.answer h2{font-size:1.1rem;margin-bottom:.4em;display:flex;gap:8px;align-items:center;color:var(--brand)}
.answer p{margin:0 0 .6em;font-size:1.04rem}
.answer p:last-child{margin-bottom:0}

section{margin-bottom:72px}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:16px;margin-bottom:24px;flex-wrap:wrap}
.sec-head p{color:var(--muted);margin:0}
.link{font-weight:800;color:var(--brand);text-decoration:none;display:inline-flex;gap:6px;align-items:center}

/* Fließtext aus dem Bestand */
.prose h2{margin-top:0}
.prose h3{font-size:1.3rem;margin-top:1.6em}
.prose h4{font-size:1.1rem;margin-top:1.6em}
.prose ul,.prose ol{max-width:72ch;padding-left:1.3em;margin:0 0 1em}
.prose li{margin-bottom:.35em}
.prose a{color:var(--brand);font-weight:700}
.prose>*:first-child{margin-top:0}

/* Inhaltsverzeichnis */
.toc{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:18px 22px;margin:0 0 48px}
.toc-t{display:block;font-weight:800;margin-bottom:8px}
.toc ol{margin:0;padding-left:1.3em;columns:2;column-gap:32px;font-size:.95rem}
.toc li{margin-bottom:4px;break-inside:avoid}
.toc a{text-decoration:none;color:var(--brand);font-weight:600}
.toc a:hover{text-decoration:underline}

/* Schritte */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s;margin-top:14px}
.step{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:24px;position:relative}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-14px;left:22px;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800}
.step .ic{width:52px;height:52px;border-radius:14px;background:var(--brand-soft);color:var(--brand);display:grid;place-items:center;margin-bottom:14px}
.step p{margin:0;color:var(--muted);font-size:.96rem}

/* Szenarien */
.scen{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.sc{display:flex;gap:18px;background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:22px;text-decoration:none;transition:transform .2s,box-shadow .2s}
a.sc:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.sc .ic{width:56px;height:56px;flex:none;border-radius:16px;display:grid;place-items:center;color:#fff}
.sc:nth-child(4n+1) .ic{background:#0A6C9B}.sc:nth-child(4n+2) .ic{background:#12875A}.sc:nth-child(4n+3) .ic{background:#C2700A}.sc:nth-child(4n+4) .ic{background:#6B4FD8}
.sc h3{margin-bottom:.3em}
.sc p{margin:0;color:var(--muted);font-size:.95rem}

/* Beitragskarte mit Balken */
.chart-card{display:grid;grid-template-columns:1fr 1.2fr;gap:36px;background:var(--surface);border:1px solid var(--line);border-radius:24px;padding:32px;align-items:center}
.bars{display:flex;align-items:flex-end;gap:12px;height:220px;padding-bottom:30px;position:relative;border-bottom:2px solid var(--line);margin-top:28px}
.bar{flex:1;background:linear-gradient(var(--brand),color-mix(in srgb,var(--brand) 55%,transparent));border-radius:10px 10px 0 0;position:relative;min-height:6px}
.bar em{position:absolute;top:-24px;left:50%;transform:translateX(-50%);font-style:normal;font-weight:800;font-size:.82rem;white-space:nowrap}
.bar i{position:absolute;bottom:-28px;left:50%;transform:translateX(-50%);font-style:normal;font-size:.82rem;color:var(--muted);font-weight:600;white-space:nowrap}
.cap{font-size:.8rem;color:var(--muted);margin:12px 0 0;line-height:1.5}

/* Beitragsbeispiele als Karten */
.preis-karten{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px;margin:8px 0 14px}
.preis-karte{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:18px 20px;display:flex;flex-direction:column;gap:6px}
.preis-karte .wer{font-size:.82rem;font-weight:800;color:var(--brand);text-transform:uppercase;letter-spacing:.04em}
.preis-karte .betrag{font-size:1.9rem;font-weight:800;letter-spacing:-.03em;line-height:1.1}
.preis-karte .betrag small{font-size:.9rem;font-weight:600;color:var(--muted);letter-spacing:0}
.preis-karte .fall{font-size:.88rem;color:var(--muted);margin:0}
.preis-karte .brutto{font-size:.8rem;color:var(--muted);margin:0}

/* Tabellen */
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:16px;background:var(--surface);margin:8px 0 14px}
table.tbl{width:100%;border-collapse:collapse;font-size:.94rem;min-width:560px}
.tbl th,.tbl td{padding:10px 11px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.tbl thead th{background:var(--brand-soft);font-weight:800;font-size:.86rem;white-space:normal;hyphens:auto}
.tbl th[scope=row]{hyphens:auto;-webkit-hyphens:auto}
.tbl tbody tr:last-child td,.tbl tbody tr:last-child th{border-bottom:0}
.tbl td.num,.tbl th.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.tbl tbody th{font-weight:800}

/* Hinweis- und Merkkästen */
.merk{background:var(--brand-soft);border-radius:16px;padding:18px 22px;margin:0 0 1.2em}
.merk h3,.merk h4{margin-top:0;color:var(--brand)}
.merk p:last-child{margin-bottom:0}
.hinweis{background:var(--warn-soft);border-left:5px solid var(--warn);border-radius:12px;padding:14px 18px;margin:0 0 1.2em;font-size:.95rem}
.hinweis p:last-child{margin-bottom:0}

/* Anbieterkarten */
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.chip{border:1.5px solid var(--line);background:var(--surface);color:var(--ink);font:700 .9rem "Manrope",sans-serif;padding:9px 16px;border-radius:999px;cursor:pointer;min-height:40px}
.chip[aria-pressed=true]{background:var(--ink);color:var(--bg);border-color:var(--ink)}
.prov{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pc{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:22px;display:flex;flex-direction:column;gap:10px}
.pc[hidden]{display:none}
.pc header{display:flex;gap:12px;align-items:center}
.badge{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;font-weight:800;color:#fff;font-size:.95rem;flex:none}
.pc h3{margin:0;font-size:1.05rem}
.pc h3 a{text-decoration:none}
.pc h3 a:hover{color:var(--brand)}
.pc small{color:var(--muted);font-weight:600;display:block}
.pc p{font-size:.93rem;color:var(--muted);margin:0;flex:1}
.tags{display:flex;gap:6px;flex-wrap:wrap}
.tag{font-size:.76rem;font-weight:700;background:var(--brand-soft);color:var(--brand);padding:4px 10px;border-radius:999px}
.tag.alt{background:var(--warn-soft);color:var(--warn)}
.pc .btn{margin-top:4px}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 18px}
.az a{min-width:36px;height:36px;display:grid;place-items:center;border:1px solid var(--line);border-radius:10px;background:var(--surface);text-decoration:none;font-weight:800}
.az a:hover{border-color:var(--brand);color:var(--brand)}

/* Ratgeberkacheln */
.guides{display:grid;grid-template-columns:1.4fr 1fr 1fr;grid-auto-rows:minmax(150px,auto);gap:18px}
.g{border-radius:20px;overflow:hidden;background:var(--surface);border:1px solid var(--line);text-decoration:none;display:flex;flex-direction:column}
.g .art{height:110px;display:grid;place-items:center;color:#fff}
.g .art .i{width:42px;height:42px;stroke-width:1.5}
.g .tx{padding:18px 20px 20px;display:flex;flex-direction:column;gap:6px;flex:1}
.g .meta{font-size:.78rem;color:var(--muted);font-weight:700}
.g h3{margin:0}
.g p{margin:0;color:var(--muted);font-size:.93rem}
.g.big{grid-row:span 2}
.g.big .art{height:220px}
.g.big h3{font-size:1.45rem}
.g:hover h3{color:var(--brand)}

/* FAQ — bewusst schmaler als der übrige Inhalt */
.faq{max-width:860px}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:16px;margin-bottom:10px;padding:0 22px}
.faq summary{cursor:pointer;padding:18px 0;font-weight:800;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--brand);transition:transform .2s;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq-a{color:var(--muted);padding-bottom:6px}
.faq-a a{color:var(--brand);font-weight:700}

/* Abschlusskasten */
.cta-box{display:flex;gap:24px;align-items:center;justify-content:space-between;background:var(--navy);color:var(--navy-ink);border-radius:24px;padding:28px 32px;flex-wrap:wrap}
.cta-box h2{font-size:1.4rem;margin-bottom:.3em;color:#fff}
.cta-box p{margin:0;opacity:.85}
.cta-box .btn{flex:none}

/* Affiliate-Rechner */
.af-rechner{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:8px;margin:8px 0 10px;overflow:hidden}
.af-rechner iframe{display:block;width:100%;min-height:600px;border:0}
.af-hinweis{font-size:.8rem;color:var(--muted);margin:0 0 1.5em}

/* Rechtstexte */
.legal{max-width:860px}
.legal h2{font-size:1.35rem;margin-top:1.6em}
.legal h3{font-size:1.1rem;margin-top:1.3em}
.legal h4{font-size:1rem;margin-top:1.1em}
.legal a{color:var(--brand);overflow-wrap:anywhere}

footer{background:var(--navy);color:var(--navy-ink);padding:48px 0 calc(40px + env(safe-area-inset-bottom,0px));margin-top:56px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
footer a{display:block;text-decoration:none;opacity:.82;padding:4px 0;font-size:.95rem}
footer a:hover{opacity:1}
footer p{font-size:.88rem;opacity:.78}
footer h4{margin:0 0 8px;color:#fff}
.foot-logo{margin-bottom:12px;color:#fff}
.kontakt{overflow-wrap:anywhere}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px}
.foot-bottom p{font-size:.8rem;max-width:none;margin:0}

/* ===== Angebotsformular als Pop-up ===== */
.lead-overlay{position:fixed;inset:0;z-index:80;background:rgba(5,15,28,.6);display:none;align-items:center;justify-content:center;padding:24px}
.lead-overlay.is-open{display:flex}
.lead-box{position:relative;width:100%;max-width:640px;max-height:calc(100vh - 48px);overflow:auto;background:var(--surface);border-radius:24px;box-shadow:0 30px 80px -20px rgba(0,0,0,.5)}
.lead-close{position:absolute;top:14px;right:14px;width:40px;height:40px;border-radius:50%;border:0;background:rgba(255,255,255,.14);color:#fff;font-size:1.5rem;cursor:pointer;line-height:1;z-index:2}
.lead-head{background:var(--navy);color:var(--navy-ink);padding:22px 64px 18px 26px}
.lead-kicker{display:block;font-weight:800;font-size:1.1rem;line-height:1.3}
.lead-trust{display:block;font-size:.85rem;opacity:.8;margin-top:2px}
.lead-tabs{list-style:none;margin:16px 0 10px;padding:0;display:flex;gap:6px;font-size:.8rem;font-weight:700}
.lead-tabs li{padding:5px 11px;border-radius:999px;background:rgba(255,255,255,.08);opacity:.7}
.lead-tabs li.active{background:var(--cta);color:var(--cta-ink);opacity:1}
.lead-tabs li.done{opacity:1}
.lead-progress{height:4px;background:rgba(255,255,255,.14);border-radius:4px;overflow:hidden}
.lead-progress span{display:block;height:100%;width:0;background:var(--cta);transition:width .3s}
.lead-body{padding:22px 26px 26px}
.step-panel{display:none}
.step-panel.active{display:block}
.step-title{font-weight:800;font-size:1.12rem;margin-bottom:14px;line-height:1.3}
.field{margin-bottom:14px;border:0;padding:0;min-width:0}
.field label,.field legend{display:block;font-weight:700;font-size:.9rem;margin-bottom:5px}
.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=date],.field select,.field textarea{width:100%;font:500 1rem "Manrope",sans-serif;color:var(--ink);background:var(--bg);border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;min-height:48px}
.field textarea{min-height:70px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--brand);outline:none}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.field-error-text{display:none;color:#C0392B;font-size:.82rem;margin:4px 0 0;font-weight:700}
.field.has-error .field-error-text{display:block}
.field.has-error input,.field.has-error select{border-color:#C0392B}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:6px}
.choice-grid.has-error .choice{border-color:#C0392B}
.choice{display:flex;flex-direction:column;gap:2px;border:1.5px solid var(--line);border-radius:14px;padding:12px 14px;cursor:pointer;background:var(--bg);position:relative}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice .t{font-weight:800;font-size:.95rem;line-height:1.3}
.choice .d{font-size:.82rem;color:var(--muted);line-height:1.35}
.choice.selected{border-color:var(--brand);background:var(--brand-soft)}
.choice:focus-within{outline:3px solid var(--cta);outline-offset:2px}
p.field-error-text[data-error-for-group],p.field-error-text[data-error-for]{margin-bottom:10px}
.interessen{display:grid;grid-template-columns:1fr 1fr;gap:6px 14px}
.interessen legend{grid-column:1/-1}
.check-sm{display:flex;gap:8px;align-items:center;font-size:.9rem;font-weight:600;cursor:pointer}
.check-sm input{width:18px;height:18px;accent-color:var(--brand)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted);margin:6px 0 4px;cursor:pointer}
.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--brand);flex:none}
.consent a{color:var(--brand)}
.consent.has-error span{color:#C0392B}
.info-box{background:var(--brand-soft);border-radius:12px;padding:12px 14px;font-size:.88rem;margin:0 0 14px;max-width:none}
.form-nav{display:flex;justify-content:space-between;gap:12px;margin-top:18px}
.form-nav .btn{min-width:130px}
.form-error{background:#FDECEA;color:#922B21;border-radius:12px;padding:12px 14px;margin-bottom:14px;font-size:.9rem;font-weight:600}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.success{text-align:center;padding:24px 8px}
.success .mark{width:64px;height:64px;border-radius:50%;background:var(--ok);color:#fff;display:grid;place-items:center;font-size:2rem;margin:0 auto 14px}

/* ===== Auflockerung: Kennzahlen, Infokarten, Checklisten, Rechenweg, Gegenüberstellung ===== */
.kennzahlen{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;margin:6px 0 26px}
.kennzahl{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--brand);border-radius:16px;padding:16px 18px}
.kennzahl b{display:block;font-size:1.65rem;font-weight:800;letter-spacing:-.03em;line-height:1.1;color:var(--brand)}
.kennzahl span{display:block;font-size:.88rem;color:var(--muted);margin-top:6px;line-height:1.4}
.info-karten{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin:6px 0 24px}
.info-karte{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:18px 20px}
.ratgeber-karte .meta{display:block;font-size:.72rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
a.info-karte{text-decoration:none;transition:transform .2s,box-shadow .2s}
a.info-karte:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
a.info-karte h4{color:var(--brand)}
.info-karte .ic{width:42px;height:42px;border-radius:12px;background:var(--brand-soft);color:var(--brand);display:grid;place-items:center;margin-bottom:10px}
.info-karte h4{margin:0 0 .35em;font-size:1rem}
.info-karte p{margin:0;font-size:.93rem;color:var(--muted)}
.checkliste{list-style:none;padding:0!important;margin:0 0 1.2em;display:grid;gap:8px}
.checkliste li{position:relative;padding:10px 14px 10px 44px;background:var(--surface);border:1px solid var(--line);border-radius:12px;margin:0!important}
.checkliste li::before{content:"✓";position:absolute;left:14px;top:9px;width:20px;height:20px;border-radius:50%;background:var(--ok);color:#fff;font-size:.75rem;font-weight:800;display:grid;place-items:center}
.rechenweg{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:20px 22px;margin:0 0 1.4em}
.rechenweg h4{margin:0 0 12px;display:flex;gap:8px;align-items:center;color:var(--brand)}
.rechenweg ol{counter-reset:r;list-style:none;padding:0;margin:0;display:grid;gap:8px}
.rechenweg li{counter-increment:r;display:grid;grid-template-columns:30px 1fr;gap:10px;align-items:start;font-size:.95rem}
.rechenweg li::before{content:counter(r);width:28px;height:28px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.85rem}
.rechenweg .ergebnis{margin-top:14px;padding-top:12px;border-top:2px dashed var(--line);font-weight:800}
.gegenueber{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:6px 0 24px}
.gegenueber>div{border-radius:18px;padding:18px 20px;border:1px solid var(--line);background:var(--surface)}
.gegenueber>div.gut{border-top:4px solid var(--ok)}
.gegenueber>div.schlecht{border-top:4px solid var(--warn)}
.gegenueber h4{margin:0 0 8px}
.gegenueber ul{margin:0;padding-left:1.1em;font-size:.94rem}
.chips-static{display:flex;flex-wrap:wrap;gap:8px;margin:4px 0 16px;padding:0;list-style:none}
.chips-static li{background:var(--brand-soft);color:var(--brand);font-weight:700;font-size:.88rem;padding:6px 12px;border-radius:999px;margin:0!important}
.prose .absatz-titel{font-weight:800;margin:1.2em 0 .3em;font-size:1.02rem}
.tbl caption{caption-side:bottom;text-align:left;font-size:.8rem;color:var(--muted);padding:10px 14px}
.tbl td.plus{font-weight:800;color:var(--warn)}
.tarif-karten{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:18px}
.tarif-karten h3{font-size:1.02rem;margin:0 0 .5em;color:var(--brand)}
.tarif-karten p{font-size:.93rem;color:var(--muted);margin:0 0 .6em}
.kennzahl b{overflow-wrap:anywhere}
@media (max-width:820px){
  .tbl-wrap:has(.stapel){border:0;background:none;overflow:visible}
  table.tbl.stapel{min-width:0}
  .tbl.stapel thead{display:none}
  .tbl.stapel tr{display:block;background:var(--surface);border:1px solid var(--line);border-radius:14px;margin-bottom:10px;overflow:hidden}
  .tbl.stapel th[scope=row]{display:block;background:var(--brand-soft);border:0}
  .tbl.stapel td{display:block;border:0;border-top:1px solid var(--line)}
  .tbl.stapel td::before{content:attr(data-label);display:block;font-size:.78rem;font-weight:800;color:var(--brand);margin-bottom:2px}
}
@media (max-width:820px){.gegenueber{grid-template-columns:1fr}}

@media (max-width:1100px){
  .layout{grid-template-columns:minmax(0,1fr);gap:0}
  .calc{position:static;margin:8px 0 40px}
  .nav{display:none}
  .top .wrap{justify-content:space-between}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--surface);border-top:1px solid var(--line);padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));align-items:center;gap:14px;box-shadow:0 -10px 30px -12px rgba(0,0,0,.25)}
  .mbar div{flex:1;line-height:1.25;min-width:0}
  .mbar b{display:block;font-size:.95rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mbar small{display:block;color:var(--muted);font-weight:600;font-size:.78rem}
  body{padding-bottom:84px}
  .hero{grid-template-columns:minmax(0,1fr)}
  .hero-art{order:-1;max-width:360px}
}
@media (max-width:820px){
  .steps,.scen,.chart-card,.prov,.guides{grid-template-columns:minmax(0,1fr)}
  .g.big{grid-row:auto}
  .g.big .art{height:140px}
  footer .cols{grid-template-columns:1fr 1fr}
  footer .cols>div:first-child{grid-column:1/-1}
  .wrap{padding:0 16px}
  h1,h2,h3,.lead-kicker,.step-title{hyphens:auto;-webkit-hyphens:auto}
  h1{font-size:clamp(1.7rem,7.4vw,2.1rem)}
  .top .btn{display:none}
  .toc ol{columns:1}
  .chart-card{padding:22px}
  .cta-box{padding:24px}
  .lead-overlay{padding:0}
  .lead-box{max-width:none;max-height:none;height:100%;border-radius:0}
  .lead-head{padding:18px 60px 14px 18px}
  .lead-body{padding:18px 18px 28px}
  .field-row,.choice-grid,.interessen{grid-template-columns:1fr}
  section{margin-bottom:56px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* Flexible Spalten und Formulare: kein horizontaler Überlauf auf schmalen Geräten. */
footer .cols{grid-template-columns:minmax(0,2fr) repeat(3,minmax(0,1fr))}
footer .cols>div{min-width:0;overflow-wrap:anywhere}
.foot-logo{display:block;overflow-wrap:anywhere;line-height:1.4}
.foot-logo .m{display:inline-grid;vertical-align:middle;margin-right:8px}
.lead-box,.lead-body,.step-panel,.field,.choice{min-width:0}
.field-row,.choice-grid,.interessen{grid-template-columns:repeat(2,minmax(0,1fr))}
.field input,.field select,.field textarea{min-width:0;max-width:100%}
.lead-tabs{flex-wrap:wrap}
.choice .t,.choice .d,.consent span{min-width:0;overflow-wrap:anywhere}
.lead-box{max-height:calc(100dvh - 48px)}
.hero.rechner-hero{margin-bottom:20px}
.rechner-hero .lead{font-size:1.05rem;line-height:1.5;margin-bottom:0}
.rechner-einstieg{margin-bottom:48px}
.rechner-einstieg .af-rechner{margin-top:0}
@media(max-width:820px){
 footer .cols{grid-template-columns:repeat(2,minmax(0,1fr))}
 .field-row,.choice-grid,.interessen{grid-template-columns:minmax(0,1fr)}
 .lead-box{height:100dvh;max-height:100dvh}
 .form-nav{flex-wrap:wrap}.form-nav .btn{min-width:0;flex:1;padding:13px 16px}
 .hero.rechner-hero{margin-bottom:16px}
 .rechner-einstieg .af-rechner{padding:0;border-radius:12px}
}

main{overflow-wrap:anywhere}
.hero>div,.sc>div,.pc header>div,.sec-head>div,.cta-box>div{min-width:0}

.btn{max-width:100%;min-width:0;overflow-wrap:anywhere}
.cta-box .btn{flex-shrink:1}
@media(max-width:820px){.cta-row .btn.sm,.pc .btn.sm{white-space:normal}}

/* Startseite: zusammenhängender Einstieg statt einer schmalen Text-/Icon-Spalte. */
.home-hero{margin:0 0 36px;min-width:0}
.home-eyebrow{color:var(--brand);font-size:.78rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;margin:2px 0 16px}
.home-hero h1{hyphens:none;overflow-wrap:normal;margin-bottom:18px;line-height:1.15}
.home-product{display:block;font-size:clamp(1.05rem,5.3vw,2.45rem);letter-spacing:-.035em;white-space:nowrap}
.home-promise{display:block;font-size:clamp(1.75rem,3vw,2.1rem);margin-top:9px;max-width:650px;text-wrap:balance}
.home-hero .lead{font-size:1.05rem;line-height:1.65;max-width:65ch;margin-bottom:23px}
.home-hero .cta-row{margin-bottom:18px;gap:12px}
.home-hero .cta-row .btn{font-size:.95rem;padding:14px 20px}
.home-hero .ticks{gap:12px 22px;font-size:.85rem;margin-bottom:24px}
.home-photo{position:relative;overflow:hidden;border-radius:22px;margin:0;background:var(--brand-soft);border:1px solid var(--line);box-shadow:var(--shadow)}
.home-photo img{display:block;width:100%;height:clamp(270px,29vw,350px);object-fit:cover;object-position:50% 28%}
.home-photo figcaption{font-size:.82rem;line-height:1.5;padding:12px 18px;background:var(--surface);color:var(--muted)}
@media(max-width:1100px){.home-product{font-size:clamp(1.05rem,5.3vw,2.7rem)}}
@media(max-width:820px){
 .top .logo{font-size:clamp(.72rem,3.55vw,1.08rem)}
 .top .logo>span:last-child{overflow:visible;text-overflow:clip}
 .home-eyebrow{font-size:.7rem;letter-spacing:.04em;margin-bottom:14px}
 .home-promise{font-size:clamp(1.5rem,6.6vw,2rem);margin-top:10px}
 .home-hero .lead{font-size:1rem;margin-bottom:20px}
 .home-hero .cta-row{display:grid;grid-template-columns:minmax(0,1fr)}
 .home-hero .ticks{display:grid;gap:8px;margin-bottom:20px}
 .home-photo{border-radius:16px}.home-photo img{height:260px;object-position:50% 25%}
 .home-photo figcaption{padding:11px 14px}
}