:root {
  --brand:#3771a3;
  --brand-dark:#2b5b84;
  --brand-deep:#234c70;
  --brand-soft:#eaf2f8;
  --brand-pale:#f5f8fb;
  --ink:#1d2a2d;
  --muted:#667476;
  --line:#d7e2ec;
  --page:#ffffff;
  --surface:#ffffff;
  --star:#f3b51b;
  --shadow:0 18px 55px rgba(55,113,163,.10);
  --radius-xl:32px;
  --radius-lg:24px;
  --radius-md:18px;
  --max:1180px;
}

* {
  box-sizing:border-box
}

html {
  scroll-behavior:smooth
}

body {
  margin:0;
  background:var(--page);
  color:var(--ink);
  font-family:Arial,Helvetica,sans-serif;
  font-size:17px;
  line-height:1.58;
  -webkit-font-smoothing:antialiased
}

img {
  max-width:100%;
  height:auto
}

a {
  color:inherit;
  text-decoration:none
}

a:focus-visible,button:focus-visible,summary:focus-visible {
  outline:3px solid rgba(55,113,163,.28);
  outline-offset:4px;
  border-radius:6px
}

.wrap {
  width:min(var(--max),calc(100% - 44px));
  margin-inline:auto
}

main {
  display:block
}

.site-header-shell {
  background:#fff;
  position:relative;
  z-index:100;
  border-bottom:1px solid rgba(55,113,163,.08)
}

.site-header {
  height:88px;
  display:flex;
  align-items:center;
  gap:28px;
  justify-content:space-between
}

.logo-link {
  display:flex;
  align-items:center;
  min-width:0
}

.logo-link img {
  width:245px;
  max-width:44vw;
  height:auto;
  display:block
}

.nav {
  display:flex;
  align-items:center;
  gap:24px;
  margin-left:auto
}

.nav a {
  font-size:14px;
  font-weight:700;
  color:#26373b
}

.nav a[aria-current="page"] {
  color:var(--brand)
}

.nav .nav-contact {
  padding:10px 16px;
  border:1px solid var(--line);
  border-radius:999px
}

.menu-toggle {
  display:none;
  width:46px;
  height:46px;
  padding:0;
  border:1px solid var(--line);
  border-radius:14px;
  background:#fff;
  color:var(--brand);
  align-items:center;
  justify-content:center;
  cursor:pointer
}

.menu-toggle span,.menu-toggle:before,.menu-toggle:after {
  content:"";
  display:block;
  width:22px;
  height:2px;
  background:currentColor;
  border-radius:2px;
  transition:.2s ease;
  position:absolute
}

.menu-toggle {
  position:relative
}

.menu-toggle:before {
  transform:translateY(-7px)
}

.menu-toggle:after {
  transform:translateY(7px)
}

.menu-toggle[aria-expanded="true"] span {
  opacity:0
}

.menu-toggle[aria-expanded="true"]:before {
  transform:rotate(45deg)
}

.menu-toggle[aria-expanded="true"]:after {
  transform:rotate(-45deg)
}

.hero {
  margin-top:24px;
  background:var(--brand-pale);
  border-radius:var(--radius-xl);
  overflow:hidden;
  display:grid;
  grid-template-columns:1.36fr .64fr;
  min-height:500px
}

.hero-copy {
  padding:62px 58px
}

.hero h1 {
  font-size:clamp(48px,6vw,78px);
  line-height:1.02;
  letter-spacing:-.045em;
  margin:0 0 14px;
  max-width:850px
}

.tagline {
  font-size:24px;
  font-weight:800;
  color:var(--brand);
  margin:0 0 30px
}

.hero-copy p {
  max-width:760px;
  margin:0 0 18px
}

.price-panel {
  background:var(--brand-dark);
  color:#fff;
  padding:44px;
  display:flex;
  align-items:center;
  position:relative
}


.price-inner {
  position:relative;
  z-index:1
}

.price-label {
  font-size:15px;
  font-weight:700;
  opacity:.9
}

.price {
  font-size:clamp(54px,6vw,74px);
  font-weight:900;
  line-height:1;
  letter-spacing:-.05em;
  margin:8px 0 18px
}

.price-note {
  font-size:16px;
  max-width:300px;
  opacity:.96
}

.price-badges {
  display:flex;
  gap:8px;
  flex-wrap:wrap;
  margin-top:26px
}

.pill {
  display:inline-flex;
  align-items:center;
  padding:9px 12px;
  border-radius:999px;
  background:rgba(255,255,255,.12);
  font-size:13px;
  font-weight:700
}

.section {
  padding:58px 0
}

.section-tight {
  padding:34px 0
}

.section h2,.section-title {
  font-size:34px;
  line-height:1.15;
  letter-spacing:-.03em;
  margin:0 0 22px
}

.lead {
  font-size:20px;
  max-width:850px;
  color:#36464a
}

.muted {
  color:var(--muted)
}

.benefits {
  display:grid;
  grid-template-columns:repeat(6,1fr);
  gap:10px;
  margin-top:-22px;
  position:relative;
  z-index:3
}

.benefit {
  background:#fff;
  border:1px solid var(--line);
  border-radius:18px;
  padding:20px 16px;
  box-shadow:0 12px 28px rgba(55,113,163,.06);
  min-height:112px;
  display:flex;
  flex-direction:column;
  gap:12px;
  font-weight:800
}

.icon,.info-icon {
  width:44px;
  height:44px;
  border-radius:14px;
  background:var(--brand-soft);
  color:var(--brand);
  display:grid;
  place-items:center;
  flex:0 0 auto
}

.icon svg,.info-icon svg {
  width:23px;
  height:23px;
  stroke:currentColor;
  stroke-width:1.9;
  fill:none;
  stroke-linecap:round;
  stroke-linejoin:round
}

.reviews-wrap {
  background:var(--brand-pale);
  border-radius:30px;
  padding:32px
}

.reviews {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:14px
}

.review {
  background:#fff;
  border:1px solid rgba(55,113,163,.1);
  border-radius:18px;
  padding:24px
}

.stars {
  color:var(--star);
  letter-spacing:2px;
  font-size:21px;
  margin-bottom:14px
}

.source {
  font-size:13px;
  color:var(--muted);
  font-weight:700;
  margin-top:18px
}

.submission-shell {
  background:var(--brand-pale);
  border:1px solid var(--line);
  border-radius:30px;
  padding:18px;
  box-shadow:0 16px 44px rgba(55,113,163,.06)
}

.steps {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px
}

.step {
  background:#fff;
  border-radius:20px;
  padding:32px
}

.step:first-child {
  background:var(--brand-soft)
}

.step h2 {
  font-size:28px;
  color:var(--brand-dark);
  margin:0 0 18px
}

.step p:last-child {
  margin-bottom:0
}

.cost-shell {
  background:var(--brand-dark);
  color:#fff;
  border-radius:30px;
  padding:38px
}

.cost-shell>h2 {
  color:#fff
}

.cost-grid {
  display:grid;
  grid-template-columns:1.35fr .9fr .9fr;
  gap:16px
}

.cost-card {
  background:#fff;
  color:var(--ink);
  border-radius:20px;
  padding:28px
}

.cost-card.main {
  background:var(--brand-soft)
}

.cost-card h3 {
  margin:0 0 14px;
  font-size:22px
}

.cost-card.main h3 {
  font-size:30px;
  color:var(--brand-dark)
}

.cost-card ul {
  margin:0;
  padding-left:22px
}

.cost-card li+li {
  margin-top:10px
}

.info-grid {
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px
}

.info-card {
  border:1px solid var(--line);
  border-radius:22px;
  background:#fff;
  padding:28px;
  box-shadow:0 10px 30px rgba(55,113,163,.045);
  display:flex;
  flex-direction:column;
  gap:16px
}

.info-card h3 {
  margin:0;
  font-size:22px;
  line-height:1.25
}

.info-card p {
  margin:0;
  color:#445256
}

.info-card p+p {
  margin-top:10px
}

.trust {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px
}

.trust-card {
  border-radius:24px;
  padding:30px;
  border:1px solid var(--line)
}

.trust-card:first-child {
  background:var(--brand-pale)
}

.trust-card h2 {
  font-size:30px;
  margin:0 0 14px
}

.text-link {
  display:inline-flex;
  align-items:center;
  gap:6px;
  margin-top:12px;
  color:var(--brand);
  font-weight:800
}

.person-card {
  display:grid;
  grid-template-columns:150px 1fr;
  gap:24px;
  align-items:stretch;
  padding:0;
  overflow:hidden
}

.person-card .portrait {
  width:150px;
  height:100%;
  min-height:190px;
  object-fit:cover;
  object-position:center 30%;
  display:block
}

.person-card>div {
  padding:28px 28px 28px 0
}

.checklist {
  background:var(--brand-soft);
  border-radius:28px;
  padding:34px;
  display:grid;
  grid-template-columns:1.35fr .65fr;
  gap:28px;
  align-items:center
}

.filebox {
  background:#fff;
  border-radius:18px;
  padding:22px;
  display:flex;
  flex-direction:column;
  gap:4px
}

.filebox a {
  margin-top:12px;
  color:var(--brand);
  font-weight:800
}

.footer {
  margin-top:20px;
  background:var(--brand-dark);
  color:#fff
}

.footer .wrap {
  padding-top:34px;
  padding-bottom:34px;
  display:flex;
  justify-content:space-between;
  gap:34px
}

.footer-links {
  display:flex;
  flex-wrap:wrap;
  gap:10px 18px;
  justify-content:flex-end;
  align-content:flex-start
}

.footer a {
  color:#fff
}

.footer a:hover {
  text-decoration:underline
}

/* Generic page hero */
.page-hero {
  margin-top:24px;
  background:var(--brand-pale);
  border-radius:var(--radius-xl);
  padding:54px 58px
}

.page-hero h1 {
  font-size:clamp(44px,5.4vw,68px);
  line-height:1.04;
  letter-spacing:-.04em;
  margin:0 0 18px
}

.page-hero p {
  font-size:19px;
  max-width:860px;
  margin:0;
  color:#3d4c50
}

.page-hero.with-aside {
  display:grid;
  grid-template-columns:1.35fr .65fr;
  padding:0;
  overflow:hidden
}

.page-hero-copy {
  padding:54px 58px
}

.page-hero-aside {
  background:var(--brand-dark);
  color:#fff;
  padding:42px;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center
}

.page-hero-aside strong {
  font-size:60px;
  letter-spacing:-.04em
}

.page-hero-aside a {
  display:inline-block;
  margin-top:18px;
  padding:11px 16px;
  border-radius:999px;
  background:#fff;
  color:var(--brand-dark);
  font-weight:800
}

/* FAQ */
.faq-list {
  display:grid;
  gap:12px;
  max-width:980px
}

.faq-item {
  border:1px solid var(--line);
  border-radius:18px;
  background:#fff;
  overflow:hidden
}

.faq-item summary {
  cursor:pointer;
  list-style:none;
  padding:22px 62px 22px 24px;
  font-weight:800;
  position:relative
}

.faq-item summary::-webkit-details-marker {
  display:none
}

.faq-item summary:after {
  content:"+";
  position:absolute;
  right:24px;
  top:50%;
  transform:translateY(-50%);
  font-size:28px;
  color:var(--brand);
  font-weight:400
}

.faq-item[open] summary:after {
  content:"−"
}

.faq-answer {
  padding:0 24px 24px;
  color:#3f4f53
}

.faq-answer p:first-child {
  margin-top:0
}

.faq-answer ul {
  padding-left:22px
}

/* Contact */
.contact-profile {
  display:grid;
  grid-template-columns:.8fr 1.2fr;
  gap:24px;
  align-items:stretch
}

.portrait-large {
  border-radius:28px;
  overflow:hidden;
  background:var(--brand-soft);
  min-height:440px
}

.portrait-large img {
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center 28%;
  display:block
}

.profile-copy {
  border:1px solid var(--line);
  border-radius:28px;
  padding:36px
}

.profile-copy h2 {
  font-size:34px;
  margin-top:0
}

.quote {
  position:relative;
  margin:32px 0 0;
  padding:34px 34px 30px 76px;
  border:1px solid rgba(55,113,163,.18);
  background:var(--brand-pale);
  border-radius:22px;
  font-size:19px;
  line-height:1.65;
  font-style:italic;
  color:var(--brand-dark)
}

.quote::before {
  content:"“";
  position:absolute;
  left:24px;
  top:8px;
  color:var(--brand);
  font-family:Georgia,"Times New Roman",serif;
  font-size:76px;
  line-height:1;
  font-style:normal;
  opacity:.9
}

.quote cite {
  display:block;
  margin-top:18px;
  padding-top:16px;
  border-top:1px solid rgba(55,113,163,.16);
  font-style:normal;
  font-size:15px;
  font-weight:800;
  color:var(--brand)
}

.contact-band {
  background:var(--brand-dark);
  color:#fff;
  border-radius:28px;
  padding:36px;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:30px
}

.contact-band h2 {
  margin-top:0;
  color:#fff
}

.contact-list {
  display:grid;
  gap:9px
}

.contact-list a {
  text-decoration:underline;
  text-underline-offset:3px
}

.meta-grid {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px
}

.meta-card {
  border:1px solid var(--line);
  border-radius:22px;
  padding:28px;
  background:#fff
}

.meta-card h2 {
  margin-top:0;
  font-size:28px
}

/* Datenschutz */
.policy-list {
  display:grid;
  gap:14px
}

.policy-card {
  display:grid;
  grid-template-columns:62px 1fr;
  gap:24px;
  border:1px solid var(--line);
  border-radius:22px;
  padding:28px;
  background:#fff
}

.policy-icon {
  width:50px;
  height:50px;
  border-radius:16px;
  display:grid;
  place-items:center;
  background:var(--brand-soft);
  color:var(--brand)
}

.policy-icon svg {
  width:25px;
  height:25px;
  fill:none;
  stroke:currentColor;
  stroke-width:1.8;
  stroke-linecap:round;
  stroke-linejoin:round
}

.policy-card h2 {
  font-size:26px;
  margin:2px 0 10px
}

.policy-card p {
  margin:0
}

.policy-card p+p {
  margin-top:10px
}

/* Sparen */
.tip-grid {
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px
}

.tip-card {
  border:1px solid var(--line);
  border-radius:22px;
  padding:28px;
  background:#fff
}

.tip-card h2 {
  font-size:25px;
  margin:0 0 12px;
  color:var(--brand-dark)
}

.tip-card p {
  margin:0
}

/* Wiki hub */
.wiki-grid {
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:18px
}

.wiki-card {
  border:1px solid var(--line);
  border-radius:24px;
  padding:28px;
  background:#fff
}

.wiki-card h2 {
  margin:0 0 14px;
  font-size:28px;
  color:var(--brand-dark)
}

.wiki-links {
  list-style:none;
  padding:0;
  margin:0;
  display:grid;
  gap:7px
}

.wiki-links a {
  display:block;
  padding:8px 0;
  color:#31464c
}

.wiki-links a:hover {
  color:var(--brand);
  text-decoration:underline;
  text-underline-offset:3px
}

/* Wiki article */
.article-shell {
  display:grid;
  grid-template-columns:minmax(0,760px) minmax(220px,1fr);
  gap:34px;
  align-items:start
}

.article-main {
  min-width:0
}

.article-main h1 {
  font-size:clamp(42px,5vw,64px);
  line-height:1.06;
  letter-spacing:-.04em;
  margin:0 0 28px
}

.article-main h2 {
  font-size:30px;
  line-height:1.18;
  margin:46px 0 16px
}

.article-main h3 {
  font-size:22px;
  line-height:1.28;
  margin:28px 0 10px
}

.article-main p {
  margin:0 0 16px
}

.article-main ul {
  padding-left:23px
}

.article-main li+li {
  margin-top:8px
}

.summary-box {
  background:var(--brand-pale);
  border:1px solid var(--line);
  border-radius:24px;
  padding:28px;
  margin:0 0 20px
}

.summary-box h2 {
  margin-top:0
}

.key-box {
  background:var(--brand-soft);
  border-radius:24px;
  padding:28px
}

.key-box h2 {
  margin-top:0
}

.article-aside {
  position:sticky;
  top:22px;
  display:grid;
  gap:16px
}

.aside-card {
  border:1px solid var(--line);
  border-radius:20px;
  padding:22px;
  background:#fff
}

.aside-card h2 {
  font-size:20px;
  margin:0 0 10px
}

.aside-card a {
  color:var(--brand);
  font-weight:700
}

.author-note {
  margin-top:38px;
  background:var(--brand-pale);
  border-radius:20px;
  padding:24px
}

.author-note p {
  margin:0
}

.article-related ul {
  padding-left:20px
}

/* Region */
.region-body {
  display:grid;
  grid-template-columns:1.2fr .8fr;
  gap:18px
}

.region-copy {
  border:1px solid var(--line);
  border-radius:26px;
  padding:34px;
  background:#fff
}

.region-copy p {
  margin:0 0 18px
}

.region-copy p:last-child {
  margin-bottom:0
}

.region-cta {
  background:var(--brand-dark);
  color:#fff;
  border-radius:26px;
  padding:34px;
  display:flex;
  flex-direction:column;
  justify-content:center
}

.region-cta h2 {
  color:#fff;
  margin:0 0 12px
}

.region-cta a {
  display:inline-block;
  margin-top:18px;
  background:#fff;
  color:var(--brand-dark);
  padding:12px 17px;
  border-radius:999px;
  font-weight:800;
  align-self:flex-start
}

.region-reviews {
  margin-top:18px
}

/* Helpers */
.button {
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 18px;
  border-radius:999px;
  background:var(--brand);
  color:#fff;
  font-weight:800
}

.button:hover {
  background:var(--brand-dark)
}

.divider {
  height:1px;
  background:var(--line);
  margin:20px 0
}

.sr-only {
  position:absolute;
  width:1px;
  height:1px;
  padding:0;
  margin:-1px;
  overflow:hidden;
  clip:rect(0,0,0,0);
  white-space:nowrap;
  border:0
}

/* Responsive strategy:
   - up to 980px: only dense six-column benefit strip becomes three columns
   - up to 900px: navigation changes to burger menu
   - up to 800px: main content grids switch to a single column
   This keeps landscape phones and browser desktop-mode views multi-column for longer. */
@media(max-width:980px) {
  .benefits {
    grid-template-columns:repeat(3,1fr)
  }
}

@media(max-width:900px) {
  .nav {
    display:none;
    position:absolute;
    left:22px;
    right:22px;
    top:78px;
    background:#fff;
    border:1px solid var(--line);
    border-radius:20px;
    padding:14px;
    box-shadow:var(--shadow);
    flex-direction:column;
    align-items:stretch;
    gap:0
  }
  .nav.is-open {
    display:flex
  }
  .nav a {
    padding:13px 14px;
    border-radius:10px
  }
  .nav .nav-contact {
    border:0;
    padding:13px 14px
  }
  .menu-toggle {
    display:flex;
    margin-left:auto
  }
  .site-header {
    height:80px
  }
}

@media(max-width:800px) {
  .hero,.page-hero.with-aside {
    grid-template-columns:1fr
  }
  .price-panel {
    min-height:280px
  }
  .reviews,.steps,.cost-grid,.trust,.checklist,.contact-profile,.contact-band,.meta-grid,.region-body,.article-shell {
    grid-template-columns:1fr
  }
  .info-grid {
    grid-template-columns:1fr
  }
  .article-aside {
    position:static
  }
  .page-hero-aside {
    min-height:220px
  }
  .wiki-grid {
    grid-template-columns:1fr
  }
  .footer .wrap {
    flex-direction:column
  }
  .footer-links {
    justify-content:flex-start
  }
  .person-card {
    grid-template-columns:130px 1fr
  }
  .person-card .portrait {
    width:130px
  }
}

@media(max-width:640px) {
  body {
    font-size:16px
  }
  .wrap {
    width:min(var(--max),calc(100% - 28px))
  }
  .logo-link img {
    width:210px;
    max-width:66vw
  }
  .hero {
    border-radius:24px
  }
  .hero-copy {
    padding:38px 26px
  }
  .hero h1 {
    font-size:45px
  }
  .tagline {
    font-size:20px
  }
  .price-panel {
    padding:30px
  }
  .price {
    font-size:58px
  }
  .section {
    padding:42px 0
  }
  .section h2,.section-title {
    font-size:30px
  }
  .benefits {
    grid-template-columns:1fr 1fr;
    margin-top:-14px
  }
  .reviews-wrap,.cost-shell,.checklist {
    padding:24px;
    border-radius:24px
  }
  .submission-shell {
    padding:12px;
    border-radius:24px
  }
  .step {
    padding:25px
  }
  .cost-card {
    padding:24px
  }
  .trust-card {
    padding:24px
  }
  .person-card {
    grid-template-columns:1fr
  }
  .person-card .portrait {
    width:100%;
    height:260px;
    min-height:0
  }
  .person-card>div {
    padding:0 24px 24px
  }
  .page-hero,.page-hero-copy {
    padding:38px 26px
  }
  .page-hero h1 {
    font-size:43px
  }
  .policy-card {
    grid-template-columns:1fr;
    gap:14px;
    padding:24px
  }
  .tip-grid {
    grid-template-columns:1fr
  }
  .contact-band,.profile-copy,.region-copy,.region-cta {
    padding:26px
  }
  .portrait-large {
    min-height:340px
  }
  .article-main h1 {
    font-size:42px
  }
  .summary-box,.key-box,.wiki-card {
    padding:24px
  }
  .footer .wrap {
    padding-top:30px;
    padding-bottom:30px
  }
  .nav {
    left:14px;
    right:14px
  }
}

@media(prefers-reduced-motion:reduce) {
  html {
    scroll-behavior:auto
  }
  * {
    transition:none!important;
    animation:none!important
  }
}


/* Regional landing pages: neutral offer link without price teaser */
.region-hero-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.75rem 1rem;
  border-radius: 10px;
  background: #fff;
  color: #3771a3;
  font-weight: 700;
  text-decoration: none;
}