/* B&M Vermittlungsservice – Hauptstylesheet */
@font-face{font-family:"Inter";font-style:normal;font-weight:400;font-display:swap;src:local("Inter Regular"),local("Inter-Regular"),url("../fonts/inter-400.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:500;font-display:swap;src:local("Inter Medium"),local("Inter-Medium"),url("../fonts/inter-500.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:600;font-display:swap;src:local("Inter SemiBold"),local("Inter-SemiBold"),url("../fonts/inter-600.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:700;font-display:swap;src:local("Inter Bold"),local("Inter-Bold"),url("../fonts/inter-700.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:800;font-display:swap;src:local("Inter ExtraBold"),local("Inter-ExtraBold"),url("../fonts/inter-800.woff2") format("woff2")}
:root{
  --navy:#102A43; --navy-2:#1D4469; --gold:#CBB38F; --gold-ink:#7A5F2E; --alt:#F8FAFC; --sand:#F6F1E8;
  --fg:#102A43; --muted:#486581; --line:#E1E8EF; --line-2:#CFD8E2;
  --crit:#B42318; --ok:#1B6B43; --ok-bg:#E3F4EA; --warn:#8A5A00; --warn-bg:#FFF3DC;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif; --r:4px; --gut:max(20px,env(safe-area-inset-left,0px));
  --sec:clamp(64px,8vw,112px); color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--fg);font:400 16px/1.7 var(--font)}
h1,h2,h3,h4,p,ul,ol,dl,dd,figure,blockquote{margin:0}
img{max-width:100%;height:auto}
button{font-family:inherit}
a{color:var(--gold-ink)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1{font-weight:700;letter-spacing:-.03em;line-height:1.1;text-wrap:balance}
h2{font-weight:700;letter-spacing:-.025em;line-height:1.15;font-size:clamp(28px,3.4vw,42px);text-wrap:balance}
h3{font-weight:600;letter-spacing:-.01em;line-height:1.3;font-size:clamp(19px,2vw,22px)}
h4{font-weight:600;line-height:1.35;font-size:17px}
mark{background:none;color:inherit;text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:.09em;text-underline-offset:.14em;text-decoration-skip-ink:none}
.muted{color:var(--muted)}
.eyebrow,.kicker{display:block;font:600 12px/1.4 var(--font);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.lead{font-size:clamp(17px,1.5vw,19px);line-height:1.65;color:var(--muted);max-width:58ch}
.stack{display:grid;gap:16px}
code{font-family:ui-monospace,Menlo,monospace;font-size:.9em}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 15px/1.2 var(--font);padding:14px 24px;border-radius:3px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,border-color .15s,color .15s}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#D8C4A2}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2)}
.btn-line{background:#fff;border-color:var(--navy);color:var(--navy)}.btn-line:hover{background:var(--alt)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.btn-link{background:none;border:0;padding:0;font:600 15px/1.5 var(--font);color:var(--gold-ink);cursor:pointer;text-decoration:none}
.btn-link:hover{text-decoration:underline}
.btn[disabled]{opacity:.5;cursor:not-allowed}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}

.topbar{background:var(--alt);border-bottom:1px solid var(--line);font-size:13px;color:var(--muted)}
.topbar-in{max-width:1200px;margin:0 auto;padding:6px var(--gut);display:flex;gap:22px;justify-content:flex-end}
.topbar a{color:var(--muted);text-decoration:none}.topbar a:hover{color:var(--navy)}
.site-head{position:sticky;top:0;z-index:50;display:flex;align-items:center;gap:20px;padding:10px var(--gut);background:rgba(255,255,255,.96);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.logo{background:none;border:0;padding:0;cursor:pointer;display:block}
.logo img{display:block;height:60px;width:auto}
.site-nav{margin-left:auto;display:flex;gap:4px;align-items:center}
.site-nav a:not(.btn){background:none;border:0;color:var(--navy);font:500 15px var(--font);padding:10px 12px;cursor:pointer;border-bottom:2px solid transparent}
.site-nav a:not(.btn):hover{border-color:var(--line-2)}
.site-nav a[aria-current="page"]{border-color:var(--gold);font-weight:600}
.site-nav .btn{margin-left:12px;padding:11px 20px}
.menu-btn{display:none;margin-left:auto;background:#fff;border:1.5px solid var(--navy);color:var(--navy);font:600 14px var(--font);padding:9px 16px;border-radius:3px;cursor:pointer}

.pg[hidden]{display:none}
main{overflow-x:clip}
.band{padding:var(--sec) var(--gut)}
.band.alt{background:var(--alt)}
.inner{max-width:1200px;margin:0 auto;display:grid;gap:clamp(28px,3.4vw,44px)}
.inner>*,.hero>*,.sd>*,.story>*,.panel>*,.about>*,.split>*,.cta-grid>*,.tools2>*{min-width:0}
.sec-head{display:grid;gap:12px;max-width:720px}
.sec-head p{font-size:18px;color:var(--muted)}
.cols{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr))}
.card{background:#fff;border:1px solid var(--line-2);border-radius:var(--r);padding:24px;display:grid;gap:10px;align-content:start;min-width:0}
.card p{color:var(--muted);font-size:15.5px}
.card h4{font-size:18px}
.card ul{list-style:none;margin:6px 0 0;padding:0;display:grid;gap:8px;font-size:15.5px}
.card li{display:flex;gap:10px}.card li::before{content:"✓";color:var(--gold-ink);font-weight:700}

.hero{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(32px,6vw,96px);align-items:center;max-width:1200px;margin:0 auto;padding:clamp(40px,6vw,88px) var(--gut)}
.hero-l{display:grid;gap:24px}
.hero h1{font-size:clamp(36px,4.5vw,62px)}
.hero .lead{max-width:46ch}
.hero-link{font-size:15.5px;color:var(--muted)}
.portrait img{display:block;width:100%;aspect-ratio:4/4.4;object-fit:cover;object-position:50% 22%;border-radius:var(--r)}
.portrait figcaption{display:grid;padding-top:14px}
.portrait figcaption b{font:700 18px var(--font)}.portrait figcaption span{color:var(--muted);font-size:15px}

.usp{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,4vw,56px)}
.u{display:grid;grid-template-columns:auto 1fr;gap:4px 16px;align-items:start}
.u .ic{grid-row:1/span 2}.u h4{font-size:19px}.u p{color:var(--muted)}
.ic{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--sand);color:var(--gold-ink);flex:none}
.ic svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.facts{border-top:1px solid var(--line-2);padding-top:20px;font-size:14px;color:var(--muted);display:flex;gap:6px 22px;flex-wrap:wrap}
.facts b{color:var(--navy);font-weight:600}

.sd{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,88px);align-items:start}
.sd-l{position:sticky;top:110px;display:grid;gap:20px}
.seg{display:inline-flex;border:1.5px solid var(--navy);border-radius:3px;overflow:hidden;width:max-content;max-width:100%}
.seg button{background:#fff;border:0;padding:12px 22px;font:600 15px var(--font);color:var(--navy);cursor:pointer}
.seg button[aria-pressed=true]{background:var(--navy);color:#fff}
.sd-list{display:grid;border-top:1px solid var(--line-2)}
.sd-item{display:grid;grid-template-columns:46px 1fr;gap:4px 20px;padding:26px 0;border-bottom:1px solid var(--line-2)}
.sd-item .ic{grid-row:1/span 2}.sd-item h3{font-size:clamp(20px,2.2vw,24px)}.sd-item p{color:var(--muted);max-width:56ch}

.story{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(28px,5vw,80px);align-items:start}
.story-stage{position:sticky;top:110px}
.hz-art{position:relative;background:var(--navy);border-radius:var(--r);aspect-ratio:520/420;overflow:hidden}
.hz-art svg{position:absolute;inset:0;width:100%;height:100%}
.st{min-height:58vh;display:grid;align-content:center;justify-items:start;gap:12px;padding-left:26px;border-left:3px solid var(--line-2);opacity:.55;transition:opacity .4s,border-color .4s}
.st.on{opacity:1;border-color:var(--gold)}
.st h3{font-size:clamp(24px,2.6vw,32px);letter-spacing:-.02em}
.st p{color:var(--muted);font-size:17.5px;max-width:44ch}
.pill{font:700 11px/1 var(--font);letter-spacing:.08em;text-transform:uppercase;padding:6px 10px;border-radius:2px;white-space:nowrap}
.pill.std{background:#fff;color:var(--muted);border:1px solid var(--line-2)}
.pill.ext{background:var(--gold);color:var(--navy)}

.tabs2{display:flex;border-bottom:1px solid var(--line-2);overflow-x:auto}
.tabbtn{background:none;border:0;border-bottom:3px solid transparent;margin-bottom:-1px;padding:16px 24px;font:600 18px var(--font);color:var(--muted);cursor:pointer;white-space:nowrap}
.tabbtn:hover{color:var(--navy)}
.tabbtn[aria-selected=true]{color:var(--navy);border-color:var(--gold)}
.panel{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:clamp(28px,5vw,72px);padding-top:clamp(24px,3vw,40px)}
.panel h3{font-size:clamp(26px,3vw,34px);font-weight:700;letter-spacing:-.02em}
.panel .sub{font-size:18px;color:var(--muted);margin-top:10px;max-width:44ch}
.checks{list-style:none;padding:0;margin:24px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px 28px}
.checks li{display:flex;gap:12px;line-height:1.5}
.checks li::before{content:"✓";display:grid;place-items:center;flex:none;width:24px;height:24px;border-radius:50%;background:var(--sand);color:var(--gold-ink);font-weight:700;font-size:13px}
.aside{background:var(--alt);border:1px solid var(--line);border-radius:var(--r);padding:24px;display:grid;gap:12px;align-content:start}
.aside .lk{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border:0;border-top:1px solid var(--line-2);background:none;cursor:pointer;text-align:left;font:600 15.5px var(--font);color:var(--navy)}
.aside .lk:hover{color:var(--gold-ink)}

.steps{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line-2)}
.step{display:grid;gap:8px;align-content:start;padding:26px 28px 30px 0;border-bottom:1px solid var(--line-2)}
.step:not(:nth-child(3n+1)){padding-left:28px;border-left:1px solid var(--line-2)}
.step .n{font:700 14px var(--font);letter-spacing:.1em;color:var(--gold-ink)}
.step p{color:var(--muted);font-size:15.5px}

.tools2{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:20px}
.tool{background:#fff;border:1px solid var(--line-2);border-radius:var(--r);padding:28px;display:grid;gap:12px;align-content:start}
.tool .tag{font:600 12px var(--font);letter-spacing:.1em;text-transform:uppercase;color:var(--gold-ink)}
.tool p{color:var(--muted)}
.tool.big{grid-row:1/span 2;gap:16px}
.qk{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding:18px 0 4px;border-top:1px solid var(--line)}
.qk .ctl{display:grid;gap:14px;align-content:start}
.qk .res{background:var(--navy);color:#fff;border-radius:var(--r);padding:20px;display:grid;gap:8px;align-content:center}
.qk .res .big{font:800 clamp(34px,3.6vw,46px)/1 var(--font);letter-spacing:-.04em;color:var(--gold);font-variant-numeric:tabular-nums}
.qk .res small{font-size:12.5px;line-height:1.5;color:#C3D1DF}
.qk input[type=range]{width:100%;accent-color:var(--navy)}
.rng{display:grid;gap:6px;font-weight:600;font-size:14.5px}.rng div{display:flex;justify-content:space-between}
.check-l{display:flex;gap:10px;align-items:center;font-size:15px}.check-l input{accent-color:var(--navy);width:18px;height:18px}

.about{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(32px,6vw,88px);align-items:center}
.about p{font-size:18px;color:var(--muted);max-width:56ch}
.quote{padding:2px 0 2px 22px;border-left:4px solid var(--gold);display:grid;gap:8px}
.quote p{font:600 clamp(21px,2.4vw,28px)/1.35 var(--font);letter-spacing:-.015em;color:var(--navy);max-width:26ch}
.quote cite{font-style:normal;color:var(--muted);font-size:14.5px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:24px}
.stat{display:grid;gap:2px;border-top:3px solid var(--gold);padding-top:14px}
.stat b{font:700 clamp(44px,6vw,72px)/1 var(--font);letter-spacing:-.04em;color:var(--navy)}
.stat span{color:var(--muted);font-size:15px}
.about .stats{grid-template-columns:1fr;gap:18px}

.split{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,88px);align-items:start}
.split>.sec-head{position:sticky;top:110px}
details.faq{background:#fff;border:1px solid var(--line-2);border-radius:var(--r);margin-top:-1px}
details.faq summary{cursor:pointer;padding:20px 22px;font-weight:600;font-size:17px;line-height:1.45;list-style:none;display:flex;justify-content:space-between;gap:16px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";color:var(--gold-ink);font-size:24px;line-height:1;font-weight:400}
details.faq[open] summary::after{content:"–"}
details.faq[open]{border-color:var(--navy);position:relative;z-index:1}
details.faq p{padding:0 22px 22px;color:var(--muted);max-width:66ch}

.igh{display:flex;gap:18px;align-items:center}
.igh img{width:72px;height:72px;border-radius:50%;object-fit:cover;border:2px solid var(--gold)}
.igh h2{font-size:clamp(24px,2.6vw,32px)}.igh p{color:var(--muted);font-size:15px;line-height:1.55;margin-top:4px}
.feed{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}
.post{background:#fff;border:1px solid var(--line-2);border-radius:var(--r);overflow:hidden;display:grid}
.post .ph{aspect-ratio:1/1;background:var(--navy);display:grid;place-items:center;color:var(--gold);font:600 13px var(--font);letter-spacing:.12em;text-transform:uppercase}
.post p{padding:14px 16px;font-size:14px;line-height:1.5;color:var(--muted)}

.cta{background:var(--navy);color:#fff}
.cta h2{color:#fff}
.cta p{color:#D5E0EB;font-size:18px;max-width:46ch}
.cta-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(28px,5vw,72px);align-items:center}
.cta-img{width:100%;height:100%;min-height:300px;max-height:400px;object-fit:cover;object-position:30% 40%;border-radius:var(--r);display:block}

.site-foot{background:var(--alt);border-top:1px solid var(--line-2);padding:clamp(40px,6vw,72px) var(--gut) 28px;font-size:15px;color:var(--muted)}
.site-foot .inner{grid-template-columns:1.3fr 1fr 1fr 1fr;gap:clamp(24px,4vw,56px);align-items:start}
.f-brand{display:grid;gap:14px;align-content:start}.f-brand img{height:84px;width:auto;justify-self:start}
.site-foot h4{font:600 12px var(--font);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:10px}
.site-foot a{text-decoration:none;display:block;background:none;border:0;color:var(--navy);font:inherit;padding:4px 0;cursor:pointer;text-align:left}
.site-foot a:hover{color:var(--gold-ink);text-decoration:underline}
.site-foot p{line-height:1.8}
.pe{grid-column:1/-1;display:flex;align-items:center;gap:20px;padding-top:8px;border-top:1px solid var(--line-2)}
.pe a{display:inline-block}.pe img{display:block;width:140px;height:auto;border-radius:var(--r)}
.pe span{font-size:14px;max-width:34ch}
.copy{grid-column:1/-1;border-top:1px solid var(--line-2);padding-top:18px;font-size:14px}
.copy a{display:inline}

.phero{background:var(--alt);border-bottom:1px solid var(--line);padding:clamp(44px,6vw,80px) var(--gut)}
.phero .inner{gap:16px}
.phero h1{font-size:clamp(34px,4.6vw,56px);max-width:22ch}
.phero h1::after{content:"";display:block;width:72px;height:4px;background:var(--gold);margin-top:20px}
.phero .lead{max-width:56ch}
.sky{display:none}

.withpic{grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);column-gap:clamp(28px,5vw,72px);align-items:start}
.withpic>.pic{grid-column:2;grid-row:1/span 3}.withpic>:not(.pic){grid-column:1}.withpic>.stats{grid-column:1/-1}
.pic img{display:block;width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:var(--r)}.pic figcaption{font-size:14px;color:var(--muted);padding-top:8px}
.person{display:flex;gap:18px;align-items:center;padding:18px;background:var(--alt);border:1px solid var(--line);border-radius:var(--r)}
.person img{width:84px;height:84px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:2px solid var(--gold)}
.person div{display:grid;gap:2px}.person b{font:700 20px var(--font)}.person span{color:var(--muted);font-size:14.5px}
.prose{max-width:820px}.prose h2{font-size:clamp(24px,2.6vw,30px);margin-top:20px}.prose h3{font-size:20px;margin-top:14px}
.prose p,.prose li{color:var(--muted)}.prose ul{padding-left:22px;display:grid;gap:6px}.prose a{word-break:break-word}
.tline{list-style:none;margin:0;padding:0 0 0 26px;border-left:2px solid var(--gold);display:grid;gap:28px}
.tline li{position:relative;display:grid;gap:4px}
.tline li::before{content:"";position:absolute;left:-35px;top:9px;width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid var(--gold-ink)}
.tline b{font:700 clamp(24px,3vw,34px)/1.15 var(--font);letter-spacing:-.02em}.tline span{color:var(--muted);max-width:60ch}
.chip{display:inline-block;padding:2px 9px;border-radius:99px;font:600 12px/1.6 var(--font);background:var(--warn-bg);color:var(--warn);font-style:normal}

.form{display:grid;gap:18px}
.row2{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
label.f{display:grid;gap:6px;font-weight:600;font-size:15px;min-width:0}
label.f small{font-weight:400;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;font:400 16px var(--font);padding:12px 14px;border:1.5px solid var(--line-2);border-radius:3px;background:#fff;color:var(--fg)}
input:focus,select:focus,textarea:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(203,179,143,.5)}
textarea{min-height:130px;resize:vertical}
input[aria-invalid=true],select[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--crit)}
.err{color:var(--crit);font-size:14px;font-weight:500}
.ok-box{background:var(--ok-bg);color:var(--ok);padding:18px 20px;border-radius:var(--r);font-weight:500}
.note{background:var(--warn-bg);color:var(--warn);padding:12px 16px;border-radius:var(--r);font-size:14px}
label.check{display:flex;gap:12px;align-items:flex-start;font-size:15px;font-weight:400}
label.check input{margin-top:5px;accent-color:var(--navy);width:18px;height:18px}
.opts{display:grid;gap:10px;grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}
.opt{text-align:left;font:inherit;color:var(--fg);background:#fff;border:1.5px solid var(--line-2);border-radius:3px;padding:14px 16px;cursor:pointer;display:grid;gap:3px;min-width:0;transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--navy)}
.opt[aria-pressed=true]{border-color:var(--navy);background:var(--sand);box-shadow:inset 0 0 0 1px var(--navy)}
.opt b{font-size:15px;line-height:1.35;overflow-wrap:anywhere}.opt span{font-size:13.5px;line-height:1.4;color:var(--muted);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.step-h{display:flex;align-items:center;gap:14px}
.step-h i{font:700 15px var(--font);font-style:normal;display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--gold);flex:none}
.calc{display:grid;gap:28px}
.calc-box{background:#fff;border:1px solid var(--line-2);border-radius:var(--r);padding:clamp(20px,3vw,32px);display:grid;gap:20px}
.result{background:var(--navy);color:#fff;border-radius:var(--r);padding:clamp(22px,3vw,34px);display:grid;gap:12px}
.result h3{color:#fff}
.result dl{display:grid;gap:8px}
.result dl div{display:flex;justify-content:space-between;gap:16px;color:#C3D1DF;font-variant-numeric:tabular-nums}
.result dd{color:#fff}
.result .total{display:flex;justify-content:space-between;gap:16px;align-items:baseline;border-top:1px solid rgba(255,255,255,.22);padding-top:14px;font-variant-numeric:tabular-nums}
.result .total b{font:800 clamp(36px,5vw,56px)/1.05 var(--font);letter-spacing:-.04em;color:var(--gold)}
.result .btn-line{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.vol{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.vol .v{display:grid;gap:6px;font-size:14px;font-weight:600}
.vol .v div{display:flex;gap:8px;align-items:center;font-weight:400}
.qtab{min-width:760px}.qtab td,.qtab th{padding:6px}.qtab .opt{width:100%;padding:10px 12px}
.scroll{overflow-x:auto;border:1px solid var(--line-2);border-radius:var(--r);background:#fff}
table{border-collapse:collapse;width:100%}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{font:600 12px var(--font);letter-spacing:.06em;text-transform:uppercase;color:var(--muted);background:var(--alt)}
.prog{height:8px;background:var(--line);border-radius:99px;overflow:hidden}
.prog i{display:block;height:100%;background:var(--gold);transition:width .3s}

.shield{fill:none;stroke:#CBB38F;stroke-width:1.8;stroke-dasharray:7 9;opacity:.55;animation:dash 18s linear infinite;transition:opacity .4s,stroke-width .4s}
.hz-art[data-cover=ext] .shield{opacity:1;stroke-width:3;filter:drop-shadow(0 0 6px rgba(203,179,143,.8))}
.win{fill:rgba(203,179,143,.16)}.win.lit{fill:#DCC9A2}
.fx{opacity:0;transition:opacity .35s;pointer-events:none}
[data-fx=feuer] .fx-feuer,[data-fx=sturm] .fx-sturm,[data-fx=hagel] .fx-hagel,[data-fx=leitung] .fx-leitung,[data-fx=flut] .fx-flut,[data-fx=regen] .fx-regen,[data-fx=schnee] .fx-schnee,[data-fx=beben] .fx-beben{opacity:1}
#hz-body{transform-box:view-box;transform-origin:260px 350px}
[data-fx=beben] #hz-body{animation:shake .3s linear infinite}
[data-fx=rutsch] #hz-body{animation:slide 2.6s ease-in-out infinite}
[data-fx=sturm] #hz-body{animation:lean 1.5s ease-in-out infinite}
.flame{transform-box:fill-box;transform-origin:50% 100%;animation:flick .45s ease-in-out infinite alternate}.f2{animation-delay:-.2s}.f3{animation-delay:-.3s}
.wave{animation:waver 2.4s linear infinite}
.wind{fill:none;stroke:#DCE8F5;stroke-width:2;stroke-linecap:round;opacity:0;animation:windmove 2.2s linear infinite;animation-delay:var(--l,0s)}
.pt{animation:fall var(--d,1s) linear infinite;animation-delay:var(--l,0s)}
.ps{animation:fall var(--d,3s) linear infinite;animation-delay:var(--l,0s)}
@keyframes dash{to{stroke-dashoffset:-160}}
@keyframes fall{from{transform:translateY(-30px)}to{transform:translateY(400px)}}
@keyframes shake{0%,100%{transform:translateX(0)}20%{transform:translateX(-5px)}40%{transform:translateX(5px)}60%{transform:translateX(-4px)}80%{transform:translateX(4px)}}
@keyframes slide{0%,100%{transform:translate(0,0) rotate(0)}55%{transform:translate(24px,10px) rotate(4deg)}}
@keyframes lean{0%,100%{transform:skewX(0)}50%{transform:skewX(-3deg)}}
@keyframes flick{from{transform:scale(1,.82)}to{transform:scale(1.08,1.12)}}
@keyframes waver{to{transform:translateX(-118px)}}
@keyframes windmove{0%{transform:translateX(-140px);opacity:0}25%{opacity:.9}100%{transform:translateX(560px);opacity:0}}
@keyframes bump{0%{transform:scale(1)}40%{transform:scale(1.05)}100%{transform:scale(1)}}
.bump{animation:bump .3s;transform-origin:left}

@media (max-width:1000px){
  .site-foot .inner{grid-template-columns:1fr 1fr}.f-brand{grid-column:1/-1}
  .tools2{grid-template-columns:1fr}.tool.big{grid-row:auto}
  .steps{grid-template-columns:1fr 1fr}
  .step:not(:nth-child(3n+1)){padding-left:0;border-left:0}.step{padding-right:20px}.step:nth-child(2n){padding-left:28px;border-left:1px solid var(--line-2)}
}
@media (max-width:900px){
  .topbar-in{justify-content:space-between;font-size:12.5px}.topbar-in a:nth-child(2){display:none}
  .menu-btn{display:block}.logo img{height:50px}
  .site-head{flex-wrap:wrap}
  .site-nav{display:none;width:100%;margin-left:0;flex-direction:column;align-items:stretch;gap:0;padding-top:6px}
  .site-nav.open{display:flex}
  .site-nav a:not(.btn){text-align:left;padding:14px 4px;border-bottom:1px solid var(--line)}
  .site-nav .btn{margin:12px 0 4px}
  .hero{grid-template-columns:1fr}.portrait{max-width:480px}
  .usp{grid-template-columns:1fr}
  .sd,.panel,.about,.split,.cta-grid,.withpic{grid-template-columns:1fr}
  .sd-l,.split>.sec-head{position:static}
  .withpic>.pic,.withpic>:not(.pic){grid-column:1;grid-row:auto}.withpic>.pic{max-width:420px}
  .story{grid-template-columns:1fr}
  .story-stage{position:sticky;top:64px;z-index:5;background:#fff;padding:8px 0 10px;order:-1;box-shadow:0 10px 18px -12px rgba(16,42,67,.3)}
  .hz-art{aspect-ratio:auto;height:30vh}
  .st{min-height:52vh}
  .qk{grid-template-columns:1fr}
}
@media (max-width:560px){
  .hero h1{font-size:clamp(24px,6.9vw,34px)}
  .steps{grid-template-columns:1fr}.step,.step:nth-child(2n){padding:22px 0;border-left:0}
  .cta-row .btn{flex:1}
  .tabbtn{padding:14px 16px;font-size:16px}
  .opts{grid-template-columns:1fr}.vol{grid-template-columns:1fr}
  .result .total{flex-direction:column;gap:2px}
  .site-foot .inner{grid-template-columns:1fr}
  .igh{align-items:flex-start}.igh img{width:56px;height:56px}
  .person{align-items:flex-start}.person img{width:64px;height:64px}
  .pe{flex-direction:column;align-items:flex-start}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.st{opacity:1}}

:root{--navy-3:#0A1B2E;--glass:rgba(255,255,255,.06);--glass-b:rgba(255,255,255,.16);--on-navy:#C3D1DF;
  --bp:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 600 600'><g fill='none' stroke='%23CBB38F' stroke-width='1.2' opacity='.5'><path d='M40 520H560M100 520V300H260V200L340 150L420 200V520M260 300V520M420 280H510V520M140 340H220M140 380H220M140 420H220M300 260H380M300 300H380M300 340H380M300 380H380M300 420H380M300 460H380M450 330H490M450 370H490M450 410H490'/><circle cx='300' cy='84' r='56' stroke-dasharray='4 7'/><path d='M300 20V150M236 84H364' stroke-dasharray='2 9'/><path d='M40 560H560' stroke-dasharray='1 8'/></g></svg>");
  --sky-w:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='800' height='48' viewBox='0 0 800 48'><path fill='%23ffffff' d='M0 48V34H28V20H50V34H68V12L84 2L100 12V34H126V22H156V34H178V16H204V34H234V24H258V34H286V10L304 2L322 10V34H346V26H376V34H402V18H424V34H454V22H480V34H506V14H530V34H560V26H592V34H616V12L634 3L652 12V34H682V24H712V34H740V18H766V34H800V48Z'/></svg>");
  --sky-a:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='800' height='48' viewBox='0 0 800 48'><path fill='%23F8FAFC' d='M0 48V34H28V20H50V34H68V12L84 2L100 12V34H126V22H156V34H178V16H204V34H234V24H258V34H286V10L304 2L322 10V34H346V26H376V34H402V18H424V34H454V22H480V34H506V14H530V34H560V26H592V34H616V12L634 3L652 12V34H682V24H712V34H740V18H766V34H800V48Z'/></svg>")}

.navy,.hero-wrap,.phero,.cta{background:linear-gradient(180deg,#123049 0%,#0C2237 100%);color:#fff}
.navy h2,.navy h3,.navy h4,.hero-wrap h1,.phero h1,.cta h2{color:#fff}
.navy .eyebrow,.hero-wrap .eyebrow,.phero .eyebrow,.phero .kicker,.cta .eyebrow{color:var(--gold)}
.navy p,.navy .lead,.phero .lead,.cta p{color:var(--on-navy)}
.navy .btn-link,.hero-wrap .btn-link{color:var(--gold)}

.sk{position:relative}
.sk::before{content:"";position:absolute;left:0;right:0;top:-47px;height:48px;pointer-events:none;background:var(--sky,none) repeat-x bottom/800px 48px;z-index:2}
.sk-w{--sky:var(--sky-w)}.sk-a{--sky:var(--sky-a)}

.site-head{position:sticky}
.prog-bar{position:absolute;left:0;bottom:-1px;height:3px;width:100%;background:var(--gold);transform-origin:left;transform:scaleX(0)}

.hero-wrap{position:relative;overflow:hidden;--mx:72%;--my:36%}
.hero-wrap::before{content:"";position:absolute;inset:0;background:var(--bp) no-repeat right 2% center/min(54%,720px);opacity:.55;animation:bp 36s ease-in-out infinite alternate;pointer-events:none}
.hero-wrap::after{content:"";position:absolute;inset:0;background:radial-gradient(520px circle at var(--mx) var(--my),rgba(203,179,143,.17),transparent 65%);pointer-events:none}
.hero{position:relative;z-index:1;padding-bottom:clamp(56px,7vw,96px)}
.hero h1{color:#fff;font-size:clamp(38px,4.8vw,70px);font-weight:800;letter-spacing:-.035em}
.hero .lead{color:#C9D6E3}
.hero-link{color:#B9C7D6}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.pframe{position:relative}
.pframe img{display:block;width:100%;aspect-ratio:4/4.5;object-fit:cover;object-position:50% 22%;border-radius:var(--r);box-shadow:0 30px 80px rgba(0,0,0,.5)}
.arc{position:absolute;left:-14px;top:-14px;width:calc(100% + 28px);height:calc(100% + 28px);pointer-events:none;overflow:visible}
.arc path{fill:none;stroke:var(--gold);stroke-width:2;stroke-dasharray:1400;stroke-dashoffset:1400;animation:draw 2.8s .5s cubic-bezier(.3,.7,.2,1) forwards}
.seal{position:absolute;left:-46px;bottom:-34px;width:120px;height:120px;filter:drop-shadow(0 14px 26px rgba(0,0,0,.45))}
.seal text{font:600 8.2px var(--font);letter-spacing:.04em;fill:#CBB38F}
.seal .spin{transform-origin:60px 60px;animation:spin 30s linear infinite}
.hname{margin-top:44px;padding-left:16px;border-left:3px solid var(--gold);display:grid}
.hname b{font:700 18px var(--font);color:#fff}.hname span{color:var(--on-navy);font-size:15px}
.hero-wrap .hero-r{padding:14px 14px 0 0}
.strip{position:relative;z-index:1;border-top:1px solid var(--glass-b);background:rgba(255,255,255,.04);overflow:hidden;white-space:nowrap}
.strip-track{display:inline-flex;padding:15px 0;animation:mq 80s linear infinite}
.strip-track span{padding:0 26px;font:600 13px var(--font);letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.strip-track span::after{content:"◆";margin-left:52px;opacity:.5}

.navy .seg{border-color:var(--gold)}
.navy .seg button{background:transparent;color:#fff}
.navy .seg button[aria-pressed=true]{background:var(--gold);color:var(--navy)}
.navy .sd-list,.navy .sd-item{border-color:var(--glass-b)}
.navy .sd-item h3{color:#fff}.navy .sd-item p{color:var(--on-navy)}
.navy .ic{background:rgba(203,179,143,.16);color:var(--gold)}
.sd-item{animation:up .5s calc(var(--i,0)*90ms) both;transition:padding .25s}
.navy .sd-item:hover{padding-left:10px}

.hz-art{transition:background .8s;box-shadow:0 30px 70px rgba(16,42,67,.28)}

.tabs2{position:relative}
.tabbtn[aria-selected=true]{border-color:transparent}
.ind{position:absolute;left:0;bottom:-1px;height:3px;background:var(--gold);transition:transform .4s cubic-bezier(.3,.7,.2,1),width .4s}
.pn{animation:up .45s both}

.step{transition:background .3s}.step:hover{background:var(--alt)}
.step .n{font:800 38px/1 var(--font);letter-spacing:-.04em;color:var(--gold)}

.toolpanel{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);border:1px solid var(--glass-b);border-radius:var(--r);background:var(--glass);overflow:hidden}
.tp-art{padding:clamp(22px,3vw,36px);display:grid;gap:12px;align-content:start;border-right:1px solid var(--glass-b)}
#house{min-height:250px;display:grid;place-items:end center;margin-bottom:8px}
#house svg{width:100%;max-width:440px;height:auto}
.hg{stroke:var(--gold);stroke-width:1.5;opacity:.7}.hbody{fill:#1D4469;stroke:#E9D9B8;stroke-width:2}
.hr{fill:#0C1F33;stroke:#CBB38F;stroke-width:2.2;stroke-linejoin:round}.hl{stroke:#CBB38F;stroke-width:1.5}
.hw{fill:rgba(203,179,143,.2)}.hw.lit{fill:#E3D2AE}.hd{fill:#0C1F33;stroke:#CBB38F;stroke-width:1.5}
.hb{fill:rgba(255,255,255,.05);stroke:#CBB38F;stroke-dasharray:5 5;stroke-width:1.5}
.hpop{animation:pop .35s ease-out;transform-origin:200px 222px;transform-box:view-box}
.tp-ctl{padding:clamp(22px,3vw,36px);display:grid;gap:18px;align-content:start}
.tp-ctl label.f,.tp-ctl .check-l,.tp-ctl .rng{color:#fff}
.tp-ctl input[type=range]{width:100%;accent-color:var(--gold)}
.check-l{display:flex;gap:10px;align-items:center;font-size:15px}.check-l input{accent-color:var(--gold);width:18px;height:18px}
.rng{display:grid;gap:6px;font-weight:600;font-size:14.5px}.rng div{display:flex;justify-content:space-between}
.res{background:rgba(0,0,0,.24);border-radius:var(--r);padding:18px 20px;display:grid;gap:6px}
.res .big{font:800 clamp(38px,4.4vw,56px)/1 var(--font);letter-spacing:-.045em;color:var(--gold);font-variant-numeric:tabular-nums}
.res small{font-size:12.5px;line-height:1.5;color:var(--on-navy)}
.tools-two{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.gcard{background:var(--glass);border:1px solid var(--glass-b);border-radius:var(--r);padding:26px;display:grid;gap:10px;align-content:start;transition:border-color .2s,transform .2s,background .2s}
.gcard:hover{border-color:var(--gold);transform:translateY(-3px);background:rgba(255,255,255,.09)}
.gcard .tag{font:600 12px var(--font);letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.gcard p{color:var(--on-navy)}

.cta-media{overflow:hidden;border-radius:var(--r);max-height:400px}
.cta-img{display:block;width:100%;height:100%;min-height:320px;object-fit:cover;object-position:30% 40%;transform:scale(1.12);will-change:transform;border-radius:0}
.site-foot{position:relative;margin-top:0}

.phero{position:relative;overflow:hidden;border-bottom:0;padding-bottom:0}
.phero::before{content:"";position:absolute;inset:0;background:var(--bp) no-repeat right 4% center/min(40%,420px);opacity:.4;pointer-events:none}
.phero .inner{position:relative}
.phero h1{color:#fff}
.sky{display:block;position:relative;height:56px;margin-top:clamp(28px,4vw,48px);background:var(--sky-w) repeat-x bottom/800px 56px}

.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(16,42,67,.18)}
.btn-gold:hover{box-shadow:0 10px 28px rgba(203,179,143,.45)}
.card{transition:border-color .2s,transform .2s,box-shadow .2s}
.card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 14px 30px rgba(16,42,67,.08)}
.post{transition:transform .25s,border-color .25s}.post:hover{transform:translateY(-4px);border-color:var(--gold)}
@supports (animation-timeline:view()){
  .sec-head,.u,.step,.gcard,.stat,.faq,.toolpanel{animation:rev linear both;animation-timeline:view();animation-range:entry 0% entry 40%}
}
@keyframes rev{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}
@keyframes up{from{transform:translateY(14px)}to{transform:none}}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes mq{to{transform:translateX(-50%)}}
@keyframes bp{from{transform:translate(0,0)}to{transform:translate(-18px,10px)}}
@keyframes pop{from{transform:scale(.96)}to{transform:none}}

@media (max-width:900px){
  .hero-wrap .hero-r{padding-right:12px;max-width:520px}
  .seal{left:-10px;bottom:-26px;width:96px;height:96px}
  .hero-wrap::before{background-size:80%;opacity:.3}
  .toolpanel,.tools-two{grid-template-columns:1fr}
  .tp-art{border-right:0;border-bottom:1px solid var(--glass-b)}
  .cta-img{min-height:240px}
}
@media (prefers-reduced-motion:reduce){.arc path{stroke-dashoffset:0}.cta-img{transform:none}}
.hero-wrap{padding-bottom:52px}
@media (max-width:560px){.hero h1{font-size:clamp(24px,6.9vw,34px)}.hero{padding-top:32px}}
.hero-l{container-type:inline-size}
.hero h1{font-size:min(9.6cqw,70px)}
.hero{padding-top:clamp(36px,5vw,72px);padding-bottom:clamp(40px,5vw,64px)}
.hero-wrap::before{-webkit-mask-image:linear-gradient(180deg,#000 45%,transparent 78%);mask-image:linear-gradient(180deg,#000 45%,transparent 78%);opacity:.4}
.hname{margin-top:34px}
@media (max-width:560px){.hero h1{font-size:min(9.4cqw,34px)}}

.logo,.site-nav a,.site-foot a,.aside .lk,.btn-link{text-decoration:none}
.aside .lk{color:var(--navy)}
.btn-link:hover{text-decoration:underline}
.site-foot a{color:var(--navy)}
.site-foot a:hover{color:var(--gold-ink);text-decoration:underline}
.copy a{color:var(--navy)}
body.admin-bar .site-head{top:32px}
@media (max-width:782px){body.admin-bar .site-head{top:46px}}
.screen-reader-text{border:0;clip:rect(1px,1px,1px,1px);clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;word-wrap:normal!important}
.skip-link{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:12px 18px;z-index:100}
.skip-link:focus{left:8px;top:8px}
.js-only{display:none}.js .js-only{display:block}
.pe-load{display:grid;gap:10px;max-width:34ch}
.pe-load p{font-size:14px;line-height:1.55}
.pe-load .btn{justify-self:start;padding:10px 16px;font-size:14px}
.is-hidden,[hidden]{display:none!important}
.form-msg{padding:14px 16px;border-radius:var(--r);font-weight:500}
.form-msg.ok{background:var(--ok-bg);color:var(--ok)}
.form-msg.fail{background:#fdecea;color:var(--crit)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}