/* =====================================================================
   GoldBaum PKV – Stylesheet Version 3
   ---------------------------------------------------------------------
   01 Design-Tokens (Farben, Typografie, Abstände)  ← zentral pflegen
   02 Basis & Hilfsklassen          10 Für wen wir da sind
   03 Buttons & Links               11 Beratungsablauf
   04 Header & Navigation           12 Über uns / Team
   05 Sektionen & Überschriften     13 PKV-Orientierungscheck
   06 Hero                          14 FAQ
   07 GKV vs. PKV Beitragsvergleich 15 Abschluss-CTA
   08 Leistungsvergleich            16 Footer
   09 Beitragsentwicklung,          17 Ratgeber, Artikel, Rechtstexte
      Lebensphasen, Tarifcheck      18 Animationen & Druck
   ===================================================================== */

/* 01 ─ Design-Tokens ------------------------------------------------- 
   Alle Abstände, Größen und Radien kommen aus dieser Liste. Sektionen
   verwenden nur diese Werte – dadurch wirkt die Seite wie aus einem Guss.
   Breakpoints (in Media Queries nicht als Variable nutzbar):
     s  ≤ 640 px   Smartphone
     m  ≤ 960 px   Tablet hochkant
     l  ≤ 1200 px  Tablet quer / kleiner Laptop                          */
:root{
  --navy:#101D30;
  --navy-2:#1B2B44;
  --navy-3:#0A1422;
  --gold:#C2A36B;
  --gold-d:#8A6F35;   /* Gold für große Schrift auf hellem Grund */
  --gold-t:#7D6430;   /* Gold für kleine Schrift auf hellem Grund (AA) */
  --gold-l:#E2CF9F;
  --cream:#F5F2EB;
  --cream-2:#EFE8D8;
  --paper:#FFFFFF;
  --anthra:#343C47;
  --muted:#5B6370;
  --line:#E6DDC6;
  --line-2:#EFE8D8;
  --on-dark:#D9DBE8;

  --serif:Georgia,"Iowan Old Style","Palatino Linotype","Book Antiqua","Noto Serif",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;

  /* Abstandsskala (4er-Raster) */
  --s1:4px; --s2:8px; --s3:12px; --s4:16px; --s5:24px; --s6:32px; --s7:48px; --s8:64px; --s9:96px;
  --gutter:24px;                              /* Seitenrand */
  --sec-y:clamp(64px,8vw,104px);              /* Abstand oben/unten je Sektion */
  --head-gap:clamp(32px,4.5vw,52px);          /* Überschriftenblock → Inhalt */
  --card-pad:clamp(20px,2.6vw,32px);          /* Innenabstand Karten */
  --grid-gap:clamp(14px,2vw,24px);            /* Abstand zwischen Karten */

  /* Typografie */
  --fs-xs:13px; --fs-s:14.5px; --fs-b:16.5px; --fs-l:18px;
  --fs-h4:18px;
  --fs-h3:clamp(19px,1.7vw,22px);
  --fs-h2:clamp(27px,3.5vw,44px);
  --fs-h1:clamp(34px,5vw,64px);
  --lh-tight:1.08; --lh-head:1.18; --lh-body:1.6;

  /* Bedienelemente */
  --btn-h:48px; --btn-h-s:44px;
  --radius:8px;       /* Eingaben, kleine Flächen */
  --radius-l:14px;    /* Karten */
  --pill:999px;

  --wrap:1160px;
  --header-h:76px;
  --ease:cubic-bezier(.16,.84,.24,1);
}
@media (max-width:640px){:root{--gutter:20px;--header-h:64px}}
@media (max-width:374.98px){:root{--gutter:16px}}

/* 02 ─ Basis --------------------------------------------------------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{margin:0;font:var(--fs-b)/var(--lh-body) var(--sans);color:var(--navy);background:var(--paper);overflow-x:clip;overflow-wrap:break-word;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--serif);font-weight:700;margin:0;text-wrap:balance;hyphens:manual}
p{margin:0;color:var(--anthra);text-wrap:pretty}
ul,ol{margin:0;padding:0}
strong,b{font-weight:700}
.wrap{width:min(var(--wrap),100% - 2*var(--gutter));margin-inline:auto}
.vh{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0 0 0 0)!important;white-space:nowrap!important;border:0!important}
.skip{position:absolute;left:12px;top:-80px;z-index:200;background:var(--navy);color:#fff;padding:12px 18px;border-radius:var(--radius);font-weight:700;text-decoration:none}
.skip:focus{top:12px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.nowrap{white-space:nowrap}
[hidden]{display:none!important}

/* 03 ─ Buttons & Links ---------------------------------------------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:var(--btn-h);padding:11px 24px;border-radius:var(--pill);border:2px solid var(--navy);background:var(--navy);color:#fff;font:700 16px/1.25 var(--sans);text-decoration:none;text-align:center;text-wrap:balance;cursor:pointer;transition:background-color .2s,border-color .2s,color .2s,box-shadow .2s}
.btn:hover{background:var(--navy-2);border-color:var(--navy-2)}
.btn.gold-b{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.gold-b:hover{background:var(--gold-l);border-color:var(--gold-l)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.on-dark .btn.ghost{color:#fff;border-color:rgba(226,207,159,.7)}
.on-dark .btn.ghost:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-lg{min-height:52px;padding:13px 28px}
.arr::after{content:"→";display:inline-block;flex:none;transition:transform .2s var(--ease)}
.arr:hover::after{transform:translateX(4px)}
.btn.arr::after{color:var(--gold)}
.btn.gold-b.arr::after,.btn.ghost.arr::after{color:inherit}
.lnk{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--gold-t);text-decoration:none}
.lnk:hover{text-decoration:underline;text-underline-offset:4px}

/* 04 ─ Header & Navigation ------------------------------------------ */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,253,248,.95);-webkit-backdrop-filter:saturate(1.2) blur(10px);backdrop-filter:saturate(1.2) blur(10px);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0px);transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 8px 24px -16px rgba(16,29,48,.35)}
.hwrap{width:min(1280px,100% - 2*var(--gutter));margin-inline:auto;height:var(--header-h);display:flex;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;margin-right:auto;flex:none;min-width:0}
.brand img{height:54px;width:auto;flex:none}
.brand-t{display:flex;flex-direction:column;line-height:1;white-space:nowrap}
.brand-t b{font:700 21px/1 var(--serif);letter-spacing:.14em;color:var(--gold-d)}
.brand-t small{font:600 10.5px/1 var(--sans);letter-spacing:.24em;color:var(--navy);margin-top:6px}
.nav ul{list-style:none;display:flex;align-items:center;gap:24px}
.nav ul a{position:relative;display:block;padding:8px 0;font:600 15px/1.2 var(--sans);text-decoration:none;white-space:nowrap}
.nav ul a::after{content:"";position:absolute;left:0;right:0;bottom:2px;height:1.5px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.nav ul a:hover::after{transform:scaleX(1)}
.nav-extra{display:none}
.h-actions{display:flex;align-items:center;gap:10px;flex:none}
.h-cta{min-height:var(--btn-h-s);padding:9px 20px;font-size:15px}
.h-cta .sm,.h-cta .md{display:none}
@media (min-width:1200px) and (max-width:1439.98px){
  .hwrap{gap:20px}
  .brand img{height:48px}
  .brand-t b{font-size:19px}
  .nav ul{gap:18px}
  .nav ul a{font-size:14.5px}
  .h-cta .lg{display:none}.h-cta .md{display:inline}
  .h-cta{padding:9px 18px}
}
.menu-btn{display:none;align-items:center;justify-content:center;width:46px;height:46px;padding:0;border-radius:50%;border:1.5px solid var(--line);background:#fff;color:var(--navy);cursor:pointer;flex:none}
.menu-ico{position:relative;width:18px;height:12px}
.menu-ico i{position:absolute;left:0;width:18px;height:2px;border-radius:2px;background:currentColor;transition:transform .3s var(--ease),top .3s var(--ease)}
.menu-ico i:first-child{top:1px}.menu-ico i:last-child{top:9px}
.menu-btn[aria-expanded=true] .menu-ico i:first-child{top:5px;transform:rotate(45deg)}
.menu-btn[aria-expanded=true] .menu-ico i:last-child{top:5px;transform:rotate(-45deg)}
.scrim{position:fixed;inset:0;z-index:40;background:rgba(10,20,34,.4);opacity:0;transition:opacity .3s}
.scrim.on{opacity:1}
html.menu-open{overflow:hidden}

@media (max-width:1199.98px){
  .menu-btn{display:inline-flex}
  .h-cta .lg{display:none}.h-cta .sm{display:inline}
  .h-cta{padding:9px 18px}
  .nav{position:absolute;left:0;right:0;top:100%;max-height:calc(100dvh - var(--header-h) - env(safe-area-inset-top,0px));overflow-y:auto;overscroll-behavior:contain;background:var(--cream);border-bottom:1px solid var(--line);box-shadow:0 30px 50px -20px rgba(16,29,48,.35);padding:6px var(--gutter) 30px;visibility:hidden;opacity:0;transform:translateY(-10px);transition:opacity .28s var(--ease),transform .28s var(--ease),visibility 0s linear .28s}
  .nav.open{visibility:visible;opacity:1;transform:none;transition:opacity .28s var(--ease),transform .28s var(--ease),visibility 0s}
  .nav ul{flex-direction:column;align-items:stretch;gap:0;max-width:560px;margin:0 auto}
  .nav ul a{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:58px;padding:14px 4px;border-bottom:1px solid var(--line);font:700 20px/1.25 var(--serif)}
  .nav ul a::after{content:"→";position:static;height:auto;background:none;transform:none;color:var(--gold-d);font:400 18px/1 var(--sans);transition:transform .2s var(--ease)}
  .nav ul a:hover::after{transform:translateX(4px)}
  .nav-extra{display:grid;gap:14px;max-width:560px;margin:24px auto 0;text-align:center}
  .nav-extra .btn{width:100%}
  .nav-extra .nav-tel{font-weight:700;text-decoration:none;color:var(--navy)}
  .nav-extra p{font-size:14.5px}
  html:not(.js) .nav,html:not(.js) .menu-btn{display:none}
}
@media (max-width:640px){
  .brand{gap:9px}
  .brand img{height:40px}
  .brand-t b{font-size:17px;letter-spacing:.12em}
  .brand-t small{font-size:9px;letter-spacing:.2em;margin-top:5px}
  .h-cta{min-height:40px;padding:7px 16px;font-size:14.5px}
  .menu-btn{width:42px;height:42px}
}
@media (max-width:374.98px){
  .hwrap{gap:10px}
  .brand{gap:7px}
  .brand img{height:36px}
  .brand-t b{font-size:15px;letter-spacing:.1em}
  .brand-t small{font-size:8px;letter-spacing:.16em}
  .h-actions{gap:6px}
  .h-cta{min-height:42px;padding:8px 12px;font-size:14px}
  .menu-btn{width:42px;height:42px}
}

/* 05 ─ Sektionen & Überschriften ------------------------------------ */
.sec{padding:var(--sec-y) 0}
section[id],[id].anchor{scroll-margin-top:calc(var(--header-h) + 12px)}
.cream{background:var(--cream)}
.navy{background:var(--navy);color:#fff}
.on-dark p{color:var(--on-dark)}
.on-dark h2,.on-dark h3{color:#fff}
.head{max-width:760px;margin:0 auto var(--head-gap);text-align:center}
.head h2>span{display:block}
.head h2>span.inl,.head h2>span.nowrap{display:inline}
.head>p:not(.kicker){max-width:640px;margin:var(--s4) auto 0;font-size:var(--fs-l)}
.kicker{margin-bottom:var(--s3);font:600 12.5px/1.2 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-t)}
.on-dark .kicker{color:var(--gold)}
h2{font-size:var(--fs-h2);line-height:var(--lh-head);letter-spacing:-.015em}
h3{font-size:var(--fs-h3);line-height:1.25}
h4{font-size:var(--fs-h4);line-height:1.3}
.gold{color:var(--gold-d)}
.on-dark .gold{color:var(--gold)}
.uline::after{content:"";display:block;width:56px;height:2px;margin:var(--s5) auto 0;background:var(--gold);transform-origin:center}
.center-cta{margin-top:var(--s6);text-align:center}
@media (max-width:640px){
  .head>p:not(.kicker){font-size:var(--fs-b)}
  .kicker{font-size:11.5px;letter-spacing:.18em}
}

/* 06 ─ Hero ----------------------------------------------------------
   Schlank wie die ursprüngliche Seite: Oberzeile, H1, ein Satz, ein
   Button. Die Porträts folgen unmittelbar – mobil schon im ersten Bild. */
.hero{position:relative;overflow:hidden;background:radial-gradient(ellipse 70% 85% at 78% 100%,#EEE1C3 0%,var(--cream) 64%)}
.hero-grid{width:min(1200px,100% - 2*var(--gutter));display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--s7);align-items:end;padding-top:var(--s8)}
.hero-copy{align-self:center;padding-bottom:var(--s8)}
.eyebrow{margin-bottom:var(--s5);font:600 13px/1.2 var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--gold-t)}
.hero h1{font-size:var(--fs-h1);line-height:var(--lh-tight);letter-spacing:-.02em}
.hero h1 .l1,.hero h1 .l2{display:block}
.hero h1 .l2{color:var(--gold-d)}
.hero h1 .w{display:inline-block;overflow:hidden;vertical-align:top;padding:.04em .06em .2em;margin:-.04em -.06em -.2em}
.hero h1 .w>span{display:inline-block}
.hero-sub{max-width:460px;margin-top:var(--s5);font-size:clamp(17px,1.5vw,19.5px);line-height:1.55;color:var(--anthra)}
.hero-actions{display:flex;flex-direction:column;align-items:flex-start;gap:var(--s3);margin-top:var(--s6)}
.hero-meta{display:flex;align-items:center;gap:var(--s2);font-size:var(--fs-s);color:var(--muted)}
.hero-meta .ico{flex:none;width:17px;height:17px;color:var(--gold-d)}
.stage{position:relative;justify-self:end;width:100%;max-width:580px;display:grid;grid-template-columns:1fr 1fr;align-items:end;isolation:isolate}
.stage::before{content:"";position:absolute;left:50%;bottom:0;z-index:-1;width:104%;aspect-ratio:900/839;transform:translateX(-50%);background:url(../images/tree.webp) center bottom/contain no-repeat;opacity:.38;filter:saturate(1.15)}
.stage::after{content:"";position:absolute;left:50%;bottom:0;z-index:-2;width:125%;height:112%;transform:translateX(-50%);background:radial-gradient(ellipse at 50% 58%,rgba(243,227,182,.75),transparent 62%)}
.stage figure{position:relative;margin:0}
.stage img{width:100%;aspect-ratio:760/1281;object-fit:contain}
/* Namensschilder: beide Namen zweizeilig, gleiche Breite, gleiche Höhe */
.nm{display:flex;flex-direction:column;align-items:center;line-height:1.15}
.nm>span{display:block}
.stage figcaption{position:absolute;left:50%;bottom:0;z-index:3;width:min(132px,78%);transform:translate(-50%,50%);padding:var(--s2) var(--s3);border:1.5px solid var(--gold);border-radius:var(--radius-l);background:var(--navy);color:#fff;font:700 15px/1.15 var(--serif);text-align:center}
.hero-band{background:var(--navy);padding:calc(var(--s7) + 4px) 0 var(--s5)}
.trust{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:var(--s2) var(--s6);color:var(--on-dark);font-size:var(--fs-s)}
.trust li::before{content:"";display:inline-block;width:6px;height:6px;margin-right:10px;border-radius:50%;background:var(--gold);vertical-align:middle}

@media (max-width:959.98px){
  .hero-grid{grid-template-columns:minmax(0,1fr);gap:var(--s5);padding-top:var(--s7);text-align:center}
  .hero-copy{padding-bottom:0}
  .hero-sub{margin-inline:auto}
  .hero-actions{align-items:center}
  .stage{justify-self:center;max-width:500px}
}
@media (max-width:640px){
  .hero-grid{padding-top:var(--s6);gap:var(--s5)}
  .eyebrow{margin-bottom:var(--s3);font-size:11.5px;letter-spacing:.2em}
  .hero h1{font-size:clamp(30px,8.6vw,36px)}
  .hero-sub{max-width:320px;margin-top:var(--s3);font-size:var(--fs-b)}
  .hero-actions{margin-top:var(--s5);gap:var(--s2)}
  .hero-meta{font-size:13.5px}
  .stage{max-width:360px}
  .stage figcaption{width:min(112px,82%);padding:6px var(--s2);font-size:13.5px}
  .hero-band{padding:calc(var(--s6) + 8px) 0 var(--s5)}
  .trust{flex-direction:column;align-items:center;gap:6px;font-size:14px}
}
@media (max-width:374.98px){
  .stage figcaption{font-size:12.5px}
}

/* 07 ─ GKV vs. PKV: Beitragsvergleich ------------------------------- */
.vgl{background:var(--paper)}
.vs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--grid-gap);align-items:stretch;max-width:1040px;margin-inline:auto}
.vs-card{position:relative;isolation:isolate;overflow:hidden;display:flex;flex-direction:column;gap:var(--s4);padding:var(--card-pad);border-radius:var(--radius-l);transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.vs-card.gkv{background:#FBFAF6;border:1px solid var(--line)}
.vs-card.pkv{background:var(--navy);color:#fff;border:1px solid rgba(194,163,107,.55);box-shadow:0 34px 60px -34px rgba(16,29,48,.6)}
.vs-card.pkv::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(520px circle at var(--mx,88%) var(--my,0%),rgba(194,163,107,.24),transparent 62%);transition:opacity .4s}
.vs-card.pkv::after{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,transparent,var(--gold),transparent);opacity:.9}
.vs-top{display:flex;align-items:center;justify-content:space-between;gap:12px 16px;flex-wrap:wrap}
.vs-label{font:600 12px/1.2 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-t)}
.pkv .vs-label{color:var(--gold)}
.vs-title{margin-top:-6px;font-size:24px;line-height:1.2}
.pkv .vs-title{color:#fff}
.badge{flex:none;padding:7px 12px;border:1px solid;border-radius:999px;font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;white-space:nowrap}
.gkv .badge{color:var(--muted);border-color:#D3CAB4}
.pkv .badge{color:var(--gold-l);border-color:rgba(194,163,107,.65)}
.own{display:flex;align-items:center;justify-content:space-between;gap:12px 20px;flex-wrap:wrap;padding:18px 22px;border-radius:var(--radius);background:#F4ECDA;border:1px solid #E5D3AC}
.pkv .own{background:rgba(194,163,107,.16);border-color:rgba(194,163,107,.5)}
.own-k{font:700 13px/1.3 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--gold-t)}
.pkv .own-k{color:var(--gold-l)}
.own-v{font:700 clamp(42px,4.8vw,58px)/1 var(--serif);letter-spacing:-.02em;color:var(--navy);font-variant-numeric:lining-nums tabular-nums;white-space:nowrap}
.pkv .own-v{color:#fff}
.bar{--track:#ECE6D7;--hatch:16,29,48;display:flex;height:22px;border-radius:999px;background:var(--track);overflow:hidden}
.pkv .bar{--track:rgba(255,255,255,.08);--hatch:255,255,255}
.seg{flex:none;height:100%;width:var(--w);transform-origin:left center}
.seg.an{background:var(--gold)}
.seg.ag,.sw.ag{background:repeating-linear-gradient(135deg,rgba(var(--hatch),.6) 0 2px,rgba(var(--hatch),.2) 2px 7px)}
.split{margin:0}
.split>div{display:flex;align-items:baseline;justify-content:space-between;gap:16px;padding:13px 0;border-top:1px solid var(--line)}
.pkv .split>div{border-color:rgba(255,255,255,.13)}
.split dt{display:flex;align-items:center;gap:11px;font-size:15.5px;color:var(--anthra)}
.pkv .split dt{color:var(--on-dark)}
.split dd{margin:0;font:700 22px/1 var(--serif);font-variant-numeric:lining-nums tabular-nums;white-space:nowrap}
.split .key dt{font-weight:700;color:var(--navy)}
.pkv .split .key dt{color:#fff}
.split .key dd{color:var(--gold-d)}
.pkv .split .key dd{color:var(--gold)}
.split .tot dt{padding-left:25px}
.split .tot dd{font-size:18px;color:var(--muted)}
.pkv .split .tot dd{color:#C9CEDB}
.sw{--hatch:16,29,48;flex:none;width:14px;height:14px;border-radius:3px}
.pkv .sw{--hatch:255,255,255}
.sw.an{background:var(--gold)}
.vs-foot{margin-top:auto;padding:15px 18px;border-radius:var(--radius);font-size:14.5px;line-height:1.55}
.gkv .vs-foot{background:var(--cream);color:var(--anthra)}
.pkv .vs-foot{background:rgba(194,163,107,.12);border-left:2px solid var(--gold);color:#E9E3D3}
.pkv .vs-foot strong{color:#fff}

/* Ersparnis: die zentrale Aussage des Vergleichs */
.save{display:grid;grid-template-columns:auto minmax(0,1fr);align-items:center;gap:var(--s4) var(--s6);max-width:1040px;margin:var(--grid-gap) auto 0;padding:var(--card-pad);border-radius:var(--radius-l);background:#F4ECDA;border:1px solid #E5D3AC}
.save-v{display:flex;flex-direction:column;align-items:flex-start;gap:2px}
.save-n{font:700 clamp(40px,4.6vw,56px)/1 var(--serif);letter-spacing:-.02em;color:var(--navy);white-space:nowrap;font-variant-numeric:lining-nums tabular-nums}
.save-u{font:700 12px/1.3 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--gold-t)}
.save-h{margin-bottom:6px;font:700 clamp(19px,1.8vw,22px)/1.35 var(--serif);color:var(--navy)}
.save-t p:not(.save-h){font-size:var(--fs-s);color:var(--anthra)}
.model{max-width:1040px;margin:var(--s4) auto 0;padding:var(--s5) var(--card-pad);border-radius:var(--radius-l);background:var(--cream)}
.model-line{font-size:var(--fs-s)}
.model-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin-top:14px}
.model-k{margin-bottom:10px;font:600 12px/1.3 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-t)}
.model ul{list-style:none}
.model li{position:relative;padding:7px 0 7px 18px;font-size:15px;line-height:1.55;color:var(--anthra);border-top:1px solid var(--line)}
.model li::before{content:"";position:absolute;left:0;top:16px;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.calc{margin-top:12px;border-top:1px solid var(--line);padding-top:4px}
.calc summary{display:inline-flex;align-items:center;gap:10px;min-height:44px;cursor:pointer;font-weight:700;color:var(--navy);list-style:none}
.calc summary::-webkit-details-marker{display:none}
.calc summary::after{content:"+";font:400 24px/1 var(--sans);color:var(--gold-d);transition:transform .25s var(--ease)}
.calc[open] summary::after{transform:rotate(45deg)}
.calc-body{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;margin-top:22px}
.tbl-wrap{overflow-x:auto}
.calc table{width:100%;border-collapse:collapse;font-size:14.5px;font-variant-numeric:tabular-nums}
.calc caption{caption-side:top;text-align:left;padding-bottom:8px;font:700 16px/1.3 var(--serif);color:var(--navy)}
.calc th,.calc td{padding:9px 8px;border-bottom:1px solid var(--line);text-align:right;vertical-align:top}
.calc th:first-child,.calc td:first-child{text-align:left;padding-left:0}
.calc thead th{font:600 12px/1.3 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.calc tbody th{font-weight:400;color:var(--anthra)}
.calc tfoot th,.calc tfoot td{font-weight:700;color:var(--navy);border-bottom:0}
.calc .sub{display:block;font-size:12.5px;color:var(--muted)}
.calc-note{grid-column:1/-1;font-size:13.5px;color:var(--muted)}
@media (max-width:560px){
  .calc table,.calc tbody,.calc tfoot{display:block}
  .calc thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .calc caption{display:block}
  .calc tr{display:grid;grid-template-columns:repeat(3,auto);justify-content:space-between;gap:6px 8px;padding:12px 0;border-bottom:1px solid var(--line)}
  .calc tfoot tr{border-bottom:0}
  .calc th[scope=row]{grid-column:1/-1;padding:0;border:0}
  .calc td{padding:0;border:0;text-align:left;white-space:nowrap;font-size:14px}
  .calc td::before{content:attr(data-label);display:block;margin-bottom:2px;font:600 12px/1.3 var(--sans);color:var(--muted)}
}

.vs-cta{max-width:880px;margin-inline:auto;padding:var(--s7) var(--s6);border-radius:var(--radius-l);text-align:center;background:linear-gradient(180deg,var(--cream),#F9F6EF)}
.vs-cta .cta-h{font-size:clamp(26px,3vw,34px);line-height:1.15}
.vs-cta p{max-width:620px;margin:16px auto 0}
.vs-cta .btn{margin-top:var(--s5)}
.vs-cta .small{margin-top:var(--s3);font-size:var(--fs-xs);color:var(--muted)}
.inline-cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:var(--s3) var(--s5);margin-top:var(--s6);padding:var(--s5);border-radius:var(--radius-l);background:var(--cream)}
.inline-cta p{font:700 var(--fs-h3)/1.3 var(--serif);color:var(--navy)}

@media (hover:hover) and (pointer:fine){
  .vs-card.pkv:hover{transform:translateY(-3px);box-shadow:0 44px 70px -36px rgba(16,29,48,.7)}
}
@media (max-width:959.98px){
  .model-grid{grid-template-columns:minmax(0,1fr);gap:18px}
  .calc-body{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:767.98px){
  .vs{grid-template-columns:minmax(0,1fr)}
  .save{grid-template-columns:minmax(0,1fr);gap:var(--s3)}
  .save-v{flex-direction:row;align-items:baseline;flex-wrap:wrap;gap:6px 12px}
  .vs-title{font-size:21px}
  .own{padding:14px 16px}
  .own-v{font-size:42px}
  .split dd{font-size:21px}
  .vs-cta{padding:40px 22px}
  .vs-cta .btn,.inline-cta .btn{width:100%;max-width:360px}
}

/* 08 ─ Leistungsvergleich mit Symbolen ------------------------------- */
.lv2-legend{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:var(--s2) var(--s5);margin:calc(-1*var(--s5)) 0 var(--s5);font-size:var(--fs-s);color:var(--anthra)}
.lv2-legend li{display:flex;align-items:center;gap:9px}
.lv2-sym{display:inline-grid;place-items:center;flex:none;width:28px;height:28px;border-radius:50%}
.lv2-sym .ico{width:17px;height:17px;stroke-width:2.4}
.lv2-sym.ok{background:#E3F1E8;color:#1F7A45}
.lv2-sym.no{background:#FBE5E2;color:#B3261E}
.lv2-sym.mid{background:#ECEEF2;color:#59616E}
.lv2{border:1px solid var(--line);border-radius:var(--radius-l);overflow:hidden;background:#fff}
.lv2-head,.lv2-row{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.05fr) minmax(0,1.05fr)}
.lv2-head>div{padding:18px 24px}
.lv2-ch{display:flex;align-items:center;gap:12px;font:700 16px/1.3 var(--serif)}
.lv2-ch.gkv{background:#F7F7F5;color:var(--navy)}
.lv2-ch.pkv{background:var(--navy);color:#fff}
.lv2-abbr{padding:3px 9px;border-radius:5px;font:700 12px/1.4 var(--sans);letter-spacing:.08em}
.gkv .lv2-abbr{background:#E6E3DC;color:var(--navy)}
.pkv .lv2-abbr{background:var(--gold);color:var(--navy)}
.lv2-row{border-top:1px solid var(--line-2)}
.lv2-k{display:flex;align-items:center;padding:18px 24px;background:#FCFBF8}
.lv2-k h3{font-size:17px;line-height:1.3}
.lv2-c{display:flex;align-items:flex-start;gap:12px;padding:18px 24px}
.lv2-c p{font-size:15px;line-height:1.5}
.lv2-c.gkv{background:#fff}
.lv2-c.pkv{background:#FBF6EA;border-left:1px solid #EFE2C4}
.lv2-side{display:none}
.lv2-more-wrap{margin-top:var(--s4);text-align:center}
.lv2.lv2-collapsed .lv2-x{display:none}
@media (min-width:861px){.lv2-more-wrap{display:none}}
.lv-note{max-width:760px;margin:var(--s4) auto 0;text-align:center;font-size:var(--fs-xs);line-height:1.6;color:var(--muted)}
.lv-note a,.tline-note a,.faq-more-link a{color:var(--gold-t);font-weight:600}
@media (max-width:860px){
  .lv2{border:0;background:none;overflow:visible;display:grid;gap:14px}
  .lv2-head{display:none}
  .lv2-row{display:block;border:1px solid var(--line);border-radius:var(--radius-l);overflow:hidden;background:#fff}
  .lv2-k{padding:14px 18px;background:#F7F4EC;border-bottom:1px solid var(--line-2)}
  .lv2-c{padding:14px 18px}
  .lv2-c.pkv{border-left:0;border-top:1px solid #EFE2C4}
  .lv2-side{display:inline-block;flex:none;min-width:44px;margin-top:4px;padding:2px 0;border-radius:4px;font:700 11.5px/1.4 var(--sans);letter-spacing:.08em;text-align:center}
  .gkv .lv2-side{background:#E6E3DC;color:var(--navy)}
  .pkv .lv2-side{background:var(--navy);color:var(--gold-l)}
  .lv2-legend{display:grid;grid-template-columns:repeat(3,auto);justify-content:center;gap:var(--s2) var(--s4);font-size:var(--fs-xs)}
  .lv2-legend li{flex-direction:column;gap:4px;text-align:center}
}

/* 09 ─ Beitragsentwicklung, Lebensphasen, Tarifcheck ---------------- */
.bew{background:var(--paper);padding-bottom:var(--s8)}
.phasen{background:var(--paper);padding-top:0}
.phasen .head{padding-top:var(--s8);border-top:1px solid var(--line)}
[data-farbe=navy]{--c:#101D30}[data-farbe=gold]{--c:#9A7433}[data-farbe=grau]{--c:#64748B}[data-farbe=gruen]{--c:#2E6B4F}
/* Beitragsentwicklung – ruhige, redaktionelle Darstellung */
.dg{max-width:880px;margin-inline:auto}
.dg-bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:var(--s2) var(--s5);margin-bottom:var(--s3)}
.dg-legend{display:flex;flex-wrap:wrap;gap:var(--s1) var(--s4)}
.dg-toggle{display:inline-flex;align-items:center;gap:10px;min-height:40px;padding:4px 2px;border:0;background:none;color:var(--navy);font:600 14.5px/1.2 var(--sans);cursor:pointer;transition:opacity .2s}
.dg-toggle i{flex:none;width:26px;height:0;border-top:3px solid var(--c)}
.dg-toggle[data-farbe=gold] i,.dg-vals i[data-farbe=gold],.cmp-row[data-farbe=gold] dt i{border-top-style:dashed}
.dg-toggle[aria-pressed=false]{opacity:.4;text-decoration:line-through}
.dg-flag{font-size:12.5px;color:var(--gold-t);letter-spacing:.01em}
.dg-chart{position:relative}
.dg-plot{position:relative;border-radius:var(--radius);outline-offset:6px;touch-action:pan-y;cursor:crosshair}
.dg-svg{display:block;width:100%;height:auto;overflow:visible}
.dg-grid{stroke:#EFEAE0;stroke-width:1}
.dg-zero{stroke:#D9CFB8}
.dg-ytick,.dg-xtick{font-family:var(--sans);fill:#7A808B}
.dg-line{fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.dg-serie.is-off{display:none}
.dg-pt{opacity:0;transform-box:fill-box;transform-origin:center;transition:opacity .15s,transform .15s}
.dg-pt.on{opacity:1;transform:scale(1.25)}
.dg-guide{stroke:var(--gold);stroke-width:1;stroke-dasharray:2 4}
.dg-cross circle{fill:#fff;stroke:var(--gold-d);stroke-width:1.6}
.dg-cross text{fill:var(--gold-t);font-family:var(--sans);font-weight:600;letter-spacing:.02em}
.dg-end{font-family:var(--sans);font-weight:700}
/* Jahresauswahl: eine ruhige Zeile unter dem Diagramm */
.dg-readout{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px var(--s4);margin-top:var(--s2);padding-top:var(--s2);border-top:1px solid var(--line-2);font-size:14.5px;color:var(--anthra);font-variant-numeric:tabular-nums}
.dg-readout>b{font:700 15px/1.3 var(--serif);color:var(--navy)}
.dg-vals{display:flex;flex-wrap:wrap;gap:4px var(--s4)}
.dg-vals>span{display:inline-flex;align-items:center;gap:7px;white-space:nowrap;font-weight:600;color:var(--navy)}
.dg-vals i{display:inline-block;width:16px;height:0;border-top:3px solid var(--c)}
.dg-unit{margin-left:auto;font-size:12.5px;color:var(--muted)}
.dg-readout.is-idle>b,.dg-readout.is-idle .dg-vals{display:none}
.dg-readout.is-idle .dg-unit{margin-left:0}
.dg-readout:not(.is-idle) .dg-unit{display:none}
html:not(.js) .dg-readout{display:none}
/* Gegenüberstellung */
.cmp{margin:var(--s7) 0 0;border-top:1px solid var(--line)}
.cmp-row{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:baseline;gap:var(--s2) var(--s5);padding:var(--s4) 0;border-bottom:1px solid var(--line);transition:opacity .2s}
.cmp-row.is-off{opacity:.35}
.cmp dt{display:flex;align-items:center;gap:12px;font:700 18px/1.3 var(--serif);color:var(--navy)}
.cmp dt i{flex:none;width:26px;height:0;border-top:3px solid var(--c)}
.cmp dd{margin:0;display:grid;grid-template-columns:auto auto auto 92px;align-items:baseline;gap:var(--s3);font-variant-numeric:lining-nums tabular-nums}
.cmp-a{font:500 18px/1 var(--sans);color:var(--muted)}
.cmp-arr{color:var(--gold-d)}
.cmp-z{font:700 26px/1 var(--serif);color:var(--navy)}
.cmp-p{font:600 15px/1 var(--sans);color:var(--anthra);text-align:right}
/* Schlussfolgerung */
.fazit{max-width:640px;margin:var(--s7) auto 0;text-align:center}
.fazit::before{content:"";display:block;width:48px;height:2px;margin:0 auto var(--s5);background:var(--gold)}
.fazit-k{font:600 12.5px/1.4 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-t)}
.fazit-h{margin-top:var(--s3);font:700 clamp(38px,6vw,64px)/1.05 var(--serif);letter-spacing:-.02em;color:var(--navy);text-wrap:balance}
.fazit-h span{color:var(--gold-d);white-space:nowrap}
.fazit-s{margin-top:var(--s3);font-size:var(--fs-l);color:var(--anthra)}
/* Details */
.dg-data{margin-top:var(--s6);text-align:center}
.dg-data summary{display:inline-flex;align-items:center;gap:10px;min-height:44px;cursor:pointer;list-style:none;font-weight:600;font-size:var(--fs-s);color:var(--navy);border-bottom:1px solid var(--gold)}
.dg-data summary::-webkit-details-marker{display:none}
.dg-data summary::after{content:"+";font:400 20px/1 var(--sans);color:var(--gold-d);transition:transform .25s var(--ease)}
.dg-data[open] summary::after{transform:rotate(45deg)}
.dg-data-in{margin-top:var(--s5);text-align:left}
.dg-data table{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
.dg-data th,.dg-data td{padding:8px;border-bottom:1px solid var(--line-2);text-align:right}
.dg-data th:first-child{text-align:left;padding-left:0}
.dg-data thead th{font:600 12px/1.3 var(--sans);letter-spacing:.04em;text-transform:uppercase;color:var(--muted)}
.dg-data tfoot th,.dg-data tfoot td{font-weight:700;color:var(--navy);border-bottom:0}
.dg-data abbr{text-decoration:none}
.dg-facts{list-style:none;margin-top:var(--s4)}
.dg-facts li{padding:6px 0;font-size:14px;line-height:1.55;color:var(--anthra)}
.dg-calc{margin-top:var(--s3);font-size:var(--fs-xs);color:var(--muted)}
/* Was bedeutet das für Ihre Tarifentscheidung? */
.impuls{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:var(--s5) var(--s7);max-width:1040px;margin:var(--s8) auto 0;padding:var(--card-pad) calc(var(--card-pad) + 8px);border-radius:var(--radius-l);background:var(--navy);color:#fff}
.impuls-h{font:700 clamp(21px,2.2vw,26px)/1.25 var(--serif);color:#fff}
.impuls-t p{margin-top:var(--s2);color:var(--on-dark);font-size:var(--fs-b)}
.impuls-a{display:flex;flex-direction:column;align-items:center;gap:var(--s2);text-align:center}
.impuls-fine{font-size:12.5px;color:#AEB4C4}
@media (max-width:959.98px){
  .impuls{grid-template-columns:minmax(0,1fr);text-align:left}
  .impuls-a{align-items:flex-start;text-align:left}
}
@media (max-width:640px){
  .impuls-a{align-items:stretch}
  .impuls .btn{width:100%}
}
@media (max-width:640px){
  .dg-bar{flex-direction:column;align-items:flex-start;gap:0}
  .dg-flag{order:-1;margin-bottom:var(--s1)}
  .dg-line{stroke-width:2.6}
  .cmp{margin-top:var(--s6)}
  .cmp-row{grid-template-columns:minmax(0,1fr);gap:var(--s2);padding:var(--s4) 0}
  .cmp dt{font-size:17px}
  .cmp dd{grid-template-columns:auto auto 1fr auto}
  .cmp-a{font-size:16px}
  .cmp-z{font-size:24px}
  .fazit{margin-top:var(--s6)}
  .fazit-s{font-size:var(--fs-b)}
  .dg-data th,.dg-data td{padding:7px 4px;font-size:13px}
  .impuls{margin-top:var(--s7);padding:var(--s5)}
}

.tline{list-style:none;position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--s5);max-width:1040px;margin-inline:auto}
.tline::before{content:"";position:absolute;left:12%;right:12%;top:32px;height:2px;background:linear-gradient(90deg,var(--gold),#E1D3AE)}
.tline li{position:relative;padding:0 6px;text-align:center}
.tl-ico{position:relative;z-index:1;display:grid;place-items:center;width:64px;height:64px;margin:0 auto var(--s4);border-radius:50%;background:#fff;border:2px solid var(--gold);color:var(--navy)}
.tl-ico .ico{width:28px;height:28px}
.tl-age{margin-bottom:4px;font-size:14px;color:var(--gold-t)}
.tl-age b{font:700 22px/1 var(--serif);color:var(--gold-d)}
.tline h3{margin-bottom:6px;font-size:var(--fs-h3)}
.tline p{font-size:var(--fs-s)}
.tline-note{margin-top:var(--s6);text-align:center;font-size:var(--fs-xs);color:var(--muted)}
@media (max-width:959.98px){
  .tline{grid-template-columns:minmax(0,1fr);gap:var(--s5);max-width:560px}
  .tline::before{left:31px;right:auto;top:32px;bottom:32px;width:2px;height:auto;background:linear-gradient(180deg,var(--gold),#E1D3AE)}
  .tline li{display:grid;grid-template-columns:64px minmax(0,1fr);column-gap:var(--s4);align-items:start;padding:0;text-align:left}
  .tl-ico{grid-row:1/span 3;margin:0}
  .tline h3{margin-bottom:4px}
}

.tc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--grid-gap)}
.tc{display:flex;flex-direction:column;padding:var(--card-pad);border:1px solid rgba(194,163,107,.32);border-radius:var(--radius-l);background:rgba(255,255,255,.03);transition:border-color .25s,background-color .25s}
.tc-ico{display:grid;place-items:center;width:48px;height:48px;margin-bottom:var(--s4);border-radius:12px;background:rgba(194,163,107,.14);color:var(--gold)}
.tc-ico .ico{width:27px;height:27px}
.tc h3{margin-bottom:6px;font-size:var(--fs-h3);line-height:1.3}
.tc p{font-size:var(--fs-s);line-height:1.6}
@media (hover:hover) and (pointer:fine){.tc:hover{border-color:var(--gold);background:rgba(255,255,255,.06)}}
@media (max-width:959.98px){.tc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.tc-grid{grid-template-columns:minmax(0,1fr)}.tc{display:grid;grid-template-columns:48px minmax(0,1fr);column-gap:var(--s4)}.tc-ico{grid-row:1/span 2;margin:0}}

/* 10 ─ Für wen wir da sind ------------------------------------------- */
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--grid-gap)}
.card{display:flex;flex-direction:column;gap:var(--s3);min-width:0;padding:var(--card-pad);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:var(--radius-l);background:#fff}
.card h3{font-size:var(--fs-h3)}
.card p{font-size:var(--fs-b)}
.card .topics{margin-top:auto;padding-top:var(--s3);border-top:1px solid var(--line-2);font-size:var(--fs-xs);color:var(--muted)}
@media (max-width:959.98px){.grid3{grid-template-columns:minmax(0,1fr);max-width:560px;margin-inline:auto}}

/* 11 ─ Beratungsablauf ----------------------------------------------- */
.tl{list-style:none;position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--s5)}
.tl::before,.tl::after{content:"";position:absolute;top:26px;left:12.5%;right:12.5%;height:2px;background:#E1D9C4}
.tl::after{background:var(--gold);transform-origin:0 50%}
.tl li{position:relative;z-index:1;padding:0 6px;text-align:center}
.tl b{display:grid;place-items:center;width:52px;height:52px;margin:0 auto var(--s4);border:2px solid var(--gold);border-radius:50%;background:var(--navy);color:var(--gold-l);font:700 19px/1 var(--serif)}
.tl h3,.tl h4{margin-bottom:6px;font-size:var(--fs-h4)}
.tl p{font-size:var(--fs-s)}
@media (max-width:959.98px){
  .tl{grid-template-columns:minmax(0,1fr);gap:var(--s5);max-width:560px;margin-inline:auto}
  .tl::before,.tl::after{top:26px;bottom:26px;left:25px;right:auto;width:2px;height:auto}
  .tl::after{transform-origin:50% 0}
  .tl li{min-height:52px;padding-left:72px;text-align:left}
  .tl b{position:absolute;left:0;top:0;margin:0}
}

/* 12 ─ Über uns / Team ----------------------------------------------
   Beide Karten identisch: gleiche Bildgröße, gleicher Ausschnitt,
   Namen bewusst zweizeilig (Vorname / Nachname). */
.team{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--grid-gap);max-width:880px;margin:0 auto}
.person{position:relative;isolation:isolate;display:flex;flex-direction:column;margin:0;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius-l);background:linear-gradient(180deg,#fff,var(--cream))}
.person::before{content:"";position:absolute;left:50%;top:6%;z-index:-1;width:70%;aspect-ratio:900/839;transform:translateX(-50%);background:url(../images/tree.webp) center/contain no-repeat;opacity:.16}
.person img{width:100%;aspect-ratio:900/732;object-fit:cover;object-position:50% 20%}
.person figcaption{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:var(--s2);padding:var(--s4) var(--s3);border-top:3px solid var(--gold);background:var(--navy);text-align:center}
.person .nm{font:700 22px/1.15 var(--serif);color:#fff}
.person .role{font-size:var(--fs-s);color:var(--on-dark)}
.story{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:var(--s7);max-width:880px;margin:var(--s7) auto 0;align-items:center}
.pull{position:relative;padding-left:var(--s5);font:400 clamp(21px,2.2vw,26px)/1.4 var(--serif);color:var(--navy);text-wrap:pretty}
.pull::before{content:"";position:absolute;left:0;top:.35em;bottom:.25em;width:2px;background:var(--gold)}
.story-body p+p{margin-top:var(--s4)}
@media (max-width:959.98px){.story{grid-template-columns:minmax(0,1fr);gap:var(--s4);max-width:560px}}
@media (max-width:640px){
  .person figcaption{padding:var(--s3) var(--s2)}
  .person .nm{font-size:19px}
  .person .role{font-size:12.5px}
  .pull{padding-left:var(--s4)}
}

.reach{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--grid-gap);max-width:1040px;margin:var(--s7) auto 0}
.reach li{display:flex;align-items:flex-start;gap:var(--s3);padding:var(--s4) var(--s5);border:1px solid var(--line);border-radius:var(--radius-l);background:#fff}
.reach .ico{flex:none;width:24px;height:24px;margin-top:2px;color:var(--gold-d)}
.reach span{display:flex;flex-direction:column;font-size:var(--fs-s);color:var(--anthra)}
.reach b{font:700 var(--fs-h4)/1.3 var(--serif);color:var(--navy)}
.reach a{color:var(--navy);font-weight:700;text-decoration:none}
.ablauf{max-width:1040px;margin:var(--s7) auto 0;padding-top:var(--s7);border-top:1px solid var(--line)}
.ablauf-h{margin-bottom:var(--s6);text-align:center;font-size:clamp(22px,2.4vw,28px)}
@media (max-width:959.98px){.reach{grid-template-columns:minmax(0,1fr);max-width:560px}}

/* 13 ─ PKV-Orientierungscheck ---------------------------------------- */
.check-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:var(--s8);align-items:center}
.check-intro h2{font-size:var(--fs-h2)}
.check-intro h2>span{display:block}
.check-intro>p:not(.kicker){margin-top:var(--s4);font-size:var(--fs-l)}
.promises{list-style:none;margin-top:var(--s5);display:grid;gap:var(--s2)}
.promises li{position:relative;padding-left:28px;font-size:15.5px;color:var(--anthra)}
.promises li::before{content:"";position:absolute;left:2px;top:.45em;width:12px;height:7px;border-left:2px solid var(--gold-d);border-bottom:2px solid var(--gold-d);transform:rotate(-45deg)}
.ck{min-height:440px;padding:var(--card-pad);border:1px solid var(--line);border-radius:var(--radius-l);background:#fff;box-shadow:0 30px 60px -48px rgba(16,29,48,.45)}
.ck-step{animation:ckIn .35s var(--ease) both}
.ck-meta{display:flex;justify-content:space-between;gap:12px;font:600 13.5px/1.3 var(--sans);color:var(--gold-t)}
.ck-prog{height:3px;margin:12px 0 26px;border-radius:3px;background:var(--line-2);overflow:hidden}
.ck-prog i{display:block;height:100%;background:var(--gold);transition:width .45s var(--ease)}
.ck h3{margin-bottom:22px;font-size:25px;line-height:1.25;outline:none}
.opts{display:grid;gap:12px}
.opt{display:flex;align-items:center;gap:14px;width:100%;min-height:60px;padding:14px 18px;border:1.5px solid #DCD3BC;border-radius:var(--radius);background:#fff;color:var(--navy);font:600 16.5px/1.35 var(--sans);text-align:left;cursor:pointer;transition:border-color .2s,background-color .2s}
.opt::before{content:"";flex:none;width:18px;height:18px;border:1.5px solid #BFB394;border-radius:50%;background:#fff;transition:border-color .2s,box-shadow .2s}
.opt:hover{border-color:var(--gold);background:#FBF8F1}
.opt[aria-pressed=true]{border-color:var(--gold-d);background:#FBF6EA}
.opt[aria-pressed=true]::before{border-color:var(--gold-d);box-shadow:inset 0 0 0 4px #fff,inset 0 0 0 9px var(--gold-d)}
.ck-nav{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px 20px;margin-top:22px}
.txt-btn{display:inline-flex;align-items:center;min-height:44px;padding:8px 0;border:0;background:none;color:var(--anthra);font:600 15px/1.3 var(--sans);text-decoration:underline;text-underline-offset:4px;cursor:pointer}
.txt-btn:hover{color:var(--navy)}
.res-text{font-size:16.5px}
.res-focus{margin-top:16px;padding:14px 18px;border-left:2px solid var(--gold);background:var(--cream);font-size:15.5px}
.res-points{margin-top:22px}
.res-points p{font:600 12px/1.3 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-t)}
.res-points ul{list-style:none;margin-top:8px}
.res-points li{position:relative;padding:9px 0 9px 26px;border-top:1px solid var(--line-2);font-size:15.5px;line-height:1.5;color:var(--anthra)}
.res-points li::before{content:"";position:absolute;left:2px;top:15px;width:11px;height:6px;border-left:2px solid var(--gold-d);border-bottom:2px solid var(--gold-d);transform:rotate(-45deg)}
.res-answers{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}
.res-answers span{padding:6px 12px;border-radius:999px;background:var(--cream);font-size:13.5px;color:var(--anthra)}
.res-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px 22px;margin-top:26px}
.res-fine{margin-top:20px;font-size:13.5px;line-height:1.55;color:var(--muted)}
@keyframes ckIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@media (max-width:959.98px){
  .check-grid{grid-template-columns:minmax(0,1fr);gap:var(--s6);max-width:640px;margin-inline:auto}
  .check-intro{text-align:center}
  .promises{justify-content:center;text-align:left}
}
@media (max-width:640px){
  .ck{min-height:0}
  .ck h3{font-size:22px}
  .opt{min-height:56px;padding:12px 14px;font-size:16px}
  .res-actions .btn{width:100%}
}

/* 14 ─ FAQ ------------------------------------------------------------ */
.faq{max-width:840px;margin:0 auto}
.fq{border-bottom:1px solid var(--line)}
.fq:first-child{border-top:1px solid var(--line)}
.fq h3{margin:0;font:inherit}
.fq button{all:unset;box-sizing:border-box;display:flex;align-items:center;justify-content:space-between;gap:var(--s5);width:100%;min-height:60px;padding:var(--s4) var(--s1);cursor:pointer;font:700 var(--fs-h4)/1.35 var(--serif);color:var(--navy)}
.fq button:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.fq i{position:relative;flex:none;width:18px;height:18px}
.fq i::before,.fq i::after{content:"";position:absolute;left:0;top:8px;width:18px;height:2px;background:var(--gold-d);transition:transform .25s var(--ease)}
.fq i::after{transform:rotate(90deg)}
.fq button[aria-expanded=true] i::after{transform:none}
.a{display:grid;grid-template-rows:1fr}
.a>div{overflow:hidden}
.a p{padding:0 4px 22px;font-size:16px}
.js .a{grid-template-rows:0fr;transition:grid-template-rows .3s var(--ease)}
.js .a>div{visibility:hidden;transition:visibility 0s linear .3s}
.js .fq.open .a{grid-template-rows:1fr}
.js .fq.open .a>div{visibility:visible;transition:visibility 0s}
.faq-more-link{margin-top:var(--s5);text-align:center;font-size:var(--fs-s)}
@media (max-width:640px){.fq button{font-size:16.5px;min-height:56px}}

/* 15 ─ Abschluss-CTA ------------------------------------------------- */
.cta{text-align:center}
.cta h2 span{display:block}
.cta .s{max-width:560px;margin:var(--s4) auto 0;font-size:var(--fs-l)}
.actions{display:flex;flex-wrap:wrap;justify-content:center;gap:var(--s3);margin-top:var(--s6)}
.cta .note{margin-top:var(--s4);font-size:var(--fs-xs);color:#AEB4C4}
@media (max-width:640px){.actions{flex-direction:column;align-items:center}.actions .btn{width:100%;max-width:320px}}

/* 16 ─ Footer -------------------------------------------------------- */
.site-footer{background:var(--navy-3);color:#fff;padding:0 0 calc(32px + env(safe-area-inset-bottom,0px));font-size:15px}
.site-footer p{color:#C4C7D8}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline;text-underline-offset:4px}
.xsell{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:20px 48px;padding:44px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.xsell .kicker{margin-bottom:10px;color:var(--gold)}
.site-footer .xsell-h{font:700 clamp(22px,5.4vw,26px)/1.2 var(--serif);color:#fff}
.xsell p.x{max-width:640px;margin-top:8px}
.xsell a{display:inline-flex;align-items:center;gap:10px;min-height:50px;padding:12px 24px;border:1.5px solid rgba(226,207,159,.7);border-radius:999px;font-weight:700;white-space:nowrap;transition:background-color .2s,color .2s}
.xsell a:hover{background:#fff;color:var(--navy);text-decoration:none}
.f-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;padding:52px 0 40px}
.f-brand{display:flex;flex-direction:column;gap:14px}
.f-logo{display:flex;align-items:center;gap:12px}
.f-logo img{height:46px;width:auto}
.f-logo b{font:700 17px/1 var(--serif);letter-spacing:.14em;color:var(--gold-l)}
.f-h{margin-bottom:12px;font:700 14px/1.2 var(--serif);letter-spacing:.1em;text-transform:uppercase;color:var(--gold-l)}
.f-list{list-style:none;display:grid;gap:8px}
.f-list a{color:#E3E6EF}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px 24px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);font-size:13.5px}
.f-bottom p{color:#9AA0B4}
@media (max-width:959.98px){.f-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.xsell{grid-template-columns:minmax(0,1fr)}.xsell a{justify-self:start}}
@media (max-width:560px){.f-grid{grid-template-columns:minmax(0,1fr);gap:30px}.xsell a{white-space:normal}}

/* 17 ─ Ratgeber, Artikel, Rechtstexte --------------------------------------------------- */
.page-hero{padding:var(--s8) 0 var(--s6);background:var(--cream);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(30px,4.2vw,50px);line-height:1.12;letter-spacing:-.015em}
.page-hero p.intro{max-width:720px;margin-top:16px;font-size:18px}
.crumbs{margin-bottom:22px;font-size:14px;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;color:#B9AF97}
.crumbs a{color:var(--gold-t)}
.draft{max-width:760px;margin-top:22px;padding:14px 18px;border:1px solid #D9B85F;border-radius:var(--radius);background:#FFF6DA;font-size:15px;color:#4A3A12}
.prose{max-width:760px;padding:56px 0 96px}
.prose h2{margin:44px 0 14px;font-size:clamp(24px,2.6vw,30px)}
.prose h2:first-child{margin-top:0}
.prose h3{margin:28px 0 10px;font-size:20px}
.prose p,.prose li{font-size:16.5px;line-height:1.7;color:var(--anthra)}
.prose p+p{margin-top:12px}
.prose ul{margin:10px 0 0 20px}
.prose li+li{margin-top:6px}
.prose a{color:var(--gold-t)}
.prose address{font-style:normal;font-size:16.5px;line-height:1.7;color:var(--anthra)}
.prose .vs-cta{margin-top:56px}
.prose .vs-cta .cta-h{margin:0;font-size:clamp(24px,2.6vw,30px)}
.byline{margin-top:18px;font-size:14.5px;color:var(--muted)}
.lede{font-size:19px!important;line-height:1.6!important;color:var(--navy)!important}
.toc{margin-bottom:36px;padding:22px 24px;border-left:2px solid var(--gold);background:var(--cream)}
.toc-h{margin-bottom:8px;font:600 12px/1.3 var(--sans)!important;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-t)!important}
.toc ol{margin:0 0 0 20px}
.sources{margin-top:32px!important;font-size:14.5px!important}
.rg-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--grid-gap)}
.rg-card{min-width:0}
.rg-card[hidden]{display:none}
.rg-link{display:flex;flex-direction:column;height:100%;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius-l);background:#fff;text-decoration:none;transition:transform .25s var(--ease),border-color .25s,box-shadow .25s}
.rg-media{position:relative;aspect-ratio:16/8;overflow:hidden;background:var(--navy)}
.rg-media img{width:100%;height:100%;object-fit:cover}
.rg-media.ph{background:radial-gradient(ellipse at 80% 120%,rgba(194,163,107,.45),transparent 60%),linear-gradient(135deg,#101D30,#1B2B44)}
.rg-media.ph::after{content:"";position:absolute;right:-6%;bottom:-18%;width:52%;aspect-ratio:900/839;background:url(../images/tree.webp) center/contain no-repeat;opacity:.3}
.rg-cat{position:absolute;left:16px;top:16px;z-index:1;padding:5px 11px;border-radius:999px;background:rgba(255,255,255,.94);font:700 11.5px/1.3 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--navy)}
.rg-body{display:flex;flex-direction:column;flex:1;gap:10px;padding:22px 22px 20px}
.rg-body h3{font-size:20px;line-height:1.3;color:var(--navy)}
.rg-body p{font-size:15px;line-height:1.55}
.rg-by{font-size:13px!important;color:var(--muted)}
.rg-meta{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:auto;padding-top:12px;border-top:1px solid var(--line-2);font-size:13.5px!important;color:var(--muted)}
.rg-more{font-weight:700;color:var(--gold-t)}
.rg-more::after{content:" →"}
@media (hover:hover) and (pointer:fine){.rg-link:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 18px 34px -24px rgba(16,29,48,.35)}}

.chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:12px}
.chip{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:8px 16px;border:1.5px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font:600 15px/1.2 var(--sans);cursor:pointer;transition:border-color .2s,background-color .2s}
.chip span{padding:1px 8px;border-radius:999px;background:var(--cream);font-size:12.5px}
.chip[aria-pressed=true]{border-color:var(--navy);background:var(--navy);color:#fff}
.chip[aria-pressed=true] span{background:rgba(255,255,255,.18);color:#fff}
.rg-count{margin-bottom:20px;font-size:14px;color:var(--muted)}
.rg-themes{margin-top:30px;font-size:14px;color:var(--muted);text-align:center}
.rg-hero .gold{color:var(--gold-d)}
.rg-list{padding-top:var(--s7)}
.rg-cta-sec{padding-top:0}
.rg-related{background:var(--cream)}
.rel-h{margin-bottom:28px;font-size:clamp(26px,3vw,34px);text-align:center}
.art-hero .byline .pending{color:#8A5A00}
.art-wrap{display:flex;justify-content:center}
.art-wrap .prose{width:100%}
.art-img{margin:0 0 32px}
.art-img img{width:100%;border-radius:var(--radius-l)}
.prose ol{margin:10px 0 0 22px}
.prose h3{color:var(--navy)}
.prose strong{color:var(--navy)}
.prose hr{margin:40px 0;border:0;border-top:1px solid var(--line)}
.md-note{margin:0 0 28px;padding:20px 22px;border-left:3px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0;background:var(--cream)}
.md-note p{font-size:16.5px!important;color:var(--navy)!important}
.md-table{margin:22px 0;overflow-x:auto}
.md-table table{width:100%;min-width:480px;border-collapse:collapse;font-size:15px}
.md-table th,.md-table td{padding:11px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;line-height:1.5}
.md-table thead th{background:var(--navy);color:#fff;font:700 13.5px/1.35 var(--sans)}
.md-table tbody th{font-weight:700;color:var(--navy)}
.md-table td{color:var(--anthra)}
@media (max-width:640px){
  .md-table table{min-width:0}
  .md-table--stack thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .md-table--stack tr{display:block;border:1px solid var(--line);border-radius:8px;margin:0 0 12px;background:#fff;overflow:hidden}
  .md-table--stack tbody th{display:block;background:var(--cream);border-bottom:1px solid var(--line)}
  .md-table--stack td{display:block;border-bottom:1px solid var(--line)}
  .md-table--stack td:last-child{border-bottom:0}
  .md-table--stack td::before{content:attr(data-label);display:block;font:700 12px/1.4 var(--sans);letter-spacing:.02em;color:var(--gold-t);margin-bottom:3px}
}
.md-fig{margin:28px 0}
.md-fig figcaption{margin-top:8px;font-size:14px;color:var(--muted)}
.art-cta{margin-top:56px}
.art-hinweis{margin-top:28px;font-size:13.5px!important;color:var(--muted)!important}
.legal p{line-height:1.75}
/* Ratgeber-Übersicht: neuester Artikel als großer Leitartikel */
@media (min-width:960px){
  .rg-list .rg-grid>.rg-card:first-child:not([hidden]){grid-column:1/-1}
  .rg-list .rg-grid>.rg-card:first-child .rg-link{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr)}
  .rg-list .rg-grid>.rg-card:first-child .rg-media{aspect-ratio:auto;min-height:300px}
  .rg-list .rg-grid>.rg-card:first-child .rg-body{justify-content:center;gap:var(--s3);padding:var(--s7) var(--s6)}
  .rg-list .rg-grid>.rg-card:first-child h3{font-size:clamp(24px,2.4vw,30px)}
  .rg-list .rg-grid>.rg-card:first-child p{font-size:var(--fs-b)}
  .rg-list .rg-grid>.rg-card:first-child .rg-by{font-size:13px!important;color:var(--muted)}
.rg-meta{margin-top:var(--s3)}
}
.rg-list .rg-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:959.98px){.rg-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.rg-media.ph{aspect-ratio:auto;height:76px}.rg-media.ph::after{width:30%;bottom:-40%}}
@media (max-width:640px){.rg-grid,.rg-list .rg-grid{grid-template-columns:minmax(0,1fr)}.chips{flex-wrap:nowrap;overflow-x:auto;margin-inline:calc(-1*var(--gutter));padding:2px var(--gutter) 8px;scrollbar-width:thin}.chip{flex:none}}
.ph{overflow-wrap:anywhere;padding:1px 6px;border-radius:3px;background:#FFF0B8;outline:1px dashed #B08D4A;font-weight:600;color:#4A3A12}
.e404{padding:120px 0;text-align:center}
.e404 h1{font-size:clamp(34px,4.4vw,52px)}
.e404 p{max-width:560px;margin:18px auto 0}
.e404 .actions{margin-top:32px}

/* 18 ─ Animationen & Druck ---------------------------------------------------
   Alle Inhalte sind ohne JavaScript und bei reduzierter Bewegung
   vollständig sichtbar. Animationen laufen einmalig (Intersection
   Observer) und setzen sich nicht zurück.                            */
@media (prefers-reduced-motion:no-preference){
  /* Hero-Headline */
  .hero h1 .w>span{transform:translateY(105%);opacity:0;animation:rise .9s var(--ease) var(--d,0s) forwards}
  .hero h1 .l1 .w:nth-child(1)>span{--d:.05s}.hero h1 .l1 .w:nth-child(2)>span{--d:.14s}.hero h1 .l1 .w:nth-child(3)>span{--d:.23s}
  .hero h1 .l2 .w:nth-child(1)>span{--d:.42s}.hero h1 .l2 .w:nth-child(2)>span{--d:.56s}
  .hero h1 .l2 .w>span{background:linear-gradient(100deg,#8A6F35 0 38%,#E8D08C 50%,#8A6F35 62% 100%) 0 0/280% 100%;-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;animation:rise .9s var(--ease) var(--d,0s) forwards,shine 2.2s ease-in-out 1.3s 1 both}
  .stage figure{animation:lift 1.1s var(--ease) .2s both}
  .stage figure+figure{animation-delay:.32s}
  .stage::before{animation:glow 2.6s ease-in-out .4s both}

  /* Scroll-Reveal */
  .js .rv{opacity:0;transform:translateY(18px);transition:opacity .7s ease-out,transform .7s var(--ease)}
  .js .rv.is-in{opacity:1;transform:none}
  .js .uline::after{transform:scaleX(0);transition:transform .8s var(--ease) .25s}
  .js .uline.is-in::after{transform:none}
  .js .tl::after{transform:scaleX(0);transition:transform 1.6s var(--ease) .2s}
  .js .tl.is-in::after{transform:none}

  /* Beitragsvergleich: Balken wachsen, Werte blenden ein (nie falsche Zahlen) */
  .js .vs .seg{transform:scaleX(0);transition:transform 1.1s var(--ease)}
  .js .vs .seg.ag{transition-delay:.45s}
  .js .vs .pkv .seg.an{transition-delay:.25s}
  .js .vs .pkv .seg.ag{transition-delay:.7s}
  .js .vs.is-in .seg{transform:none}
  .js .vs .own-v,.js .vs .split dd{opacity:0;transform:translateY(6px);transition:opacity .6s ease-out .35s,transform .6s var(--ease) .35s}
  .js .vs.is-in .own-v,.js .vs.is-in .split dd{opacity:1;transform:none}

  /* Leistungsvergleich: Zeilen zeitversetzt */
  .js .lv2 .lv2-row{opacity:0;transform:translateY(10px);transition:opacity .55s ease-out calc(var(--i,0)*60ms),transform .55s var(--ease) calc(var(--i,0)*60ms)}
  .js .lv2.is-in .lv2-row{opacity:1;transform:none}

  /* Beitragsdiagramm: Linien zeichnen sich einmalig von links nach rechts */
  .js .dg .dg-serie{clip-path:inset(0 100% 0 0);transition:clip-path 1.6s var(--ease)}
  .js .dg .dg-serie:nth-of-type(2){transition-delay:.15s}
  .js .dg .dg-serie:nth-of-type(3){transition-delay:.3s}
  .js .dg.is-in .dg-serie{clip-path:inset(0 0 0 0)}
}
@media (max-width:959.98px) and (prefers-reduced-motion:no-preference){
  .js .tl::after{transform:scaleY(0)}
}
@keyframes rise{to{transform:none;opacity:1}}
@keyframes shine{0%{background-position:100% 0}100%{background-position:0 0}}
@keyframes lift{from{transform:translateY(22px)}to{transform:none}}
@keyframes glow{from{opacity:.16}to{opacity:.38}}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;transition-delay:0s!important}
}
@media print{
  .site-header,.menu-btn,.scrim,.skip{display:none!important}
  .js .rv,.js .lv2 .lv2-row,.js .vs .seg,.js .vs .own-v,.js .vs .split dd{opacity:1!important;transform:none!important}
  .js .dg .dg-serie{clip-path:none!important}
  .js .a{grid-template-rows:1fr!important}.js .a>div{visibility:visible!important}
}
html:not(.js) .dg-tap{display:none}
.prose ul+p,.prose ol+p,.prose ul+h3,.prose .md-table+p{margin-top:14px}