:root{--bg:#f4f3ef;--bg2:#ebe9e3;--ink:#15171a;--mute:#5c6066;--line:#d6d4cc;--accent:#1c3fae;--dark:#111315}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:-apple-system,"SF Pro Display","Helvetica Neue",Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased;overflow-x:hidden;line-height:1.5}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
.wrap{max-width:1360px;margin:0 auto;padding:0 clamp(16px,4vw,56px)}
h1{font-size:clamp(34px,5.2vw,76px);line-height:1;letter-spacing:-.03em;font-weight:500}
h2{font-size:clamp(30px,3.8vw,52px);line-height:1.02;letter-spacing:-.025em;font-weight:500}
h3{font-size:clamp(20px,1.7vw,24px);letter-spacing:-.02em;font-weight:600}
p{max-width:62ch}
.mute{color:var(--mute)}
.btn{display:inline-block;background:var(--ink);color:#fff;padding:13px 20px;border-radius:999px;font-size:15px;font-weight:500;border:0;cursor:pointer;transition:transform .15s}
.btn:active{transform:scale(.98)}
.link{color:var(--accent);font-weight:500}
section{padding:clamp(64px,9vw,128px) 0}

/* Navigation */
nav{position:fixed;inset:0 0 auto 0;height:68px;display:flex;align-items:center;z-index:20;color:var(--ink);background:rgba(244,243,239,.88);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid rgba(21,23,26,.06)}
nav .wrap{display:flex;align-items:center;justify-content:space-between;width:100%}
nav .mark{display:block;line-height:0}
nav .mark img,nav .mark svg{height:22px;width:auto;display:block}

/* Vergleichstabelle auf dunklem Grund */
.cmp{width:100%;border-collapse:collapse;margin-top:48px;font-size:15px}
.cmp th,.cmp td{text-align:left;vertical-align:top;padding:16px 16px 16px 0;border-top:1px solid rgba(255,255,255,.18)}
.cmp th{font-weight:500;color:rgba(255,255,255,.6);font-size:13px;letter-spacing:.01em;padding-top:0;border-top:0}
.cmp td{color:rgba(255,255,255,.88)}
.cmp td b{font-size:17px;color:#fff;font-weight:600}
.cmp td span{color:rgba(255,255,255,.6);font-size:14px}
.cmp td:nth-child(2){max-width:34ch}
.cmp td:last-child{color:#fff;font-weight:600;white-space:nowrap}
.cmp tr:last-child td{border-bottom:1px solid rgba(255,255,255,.18)}
.fine{margin-top:20px;font-size:14px;color:rgba(255,255,255,.6)}
.proof ul li a{text-decoration:underline}
@media (max-width:767px){.cmp,.cmp thead,.cmp tbody,.cmp tr,.cmp td{display:block}.cmp thead{display:none}.cmp td{padding:6px 0;border:0}.cmp td:first-child{padding-top:20px;border-top:1px solid rgba(255,255,255,.18)}.cmp td:last-child{white-space:normal;padding-bottom:20px}.cmp td:nth-child(n+3)::before{content:attr(data-l);display:block;font-size:13px;color:rgba(255,255,255,.6)}}
nav ul{display:flex;gap:28px;list-style:none;font-size:14px}
nav ul li:last-child a{border:1px solid currentColor;padding:8px 14px;border-radius:999px}
@media (max-width:767px){nav ul li:not(:last-child){display:none}}
nav ul li.lang a{font-size:13px;letter-spacing:.06em;opacity:.65;padding:4px 0}
nav ul li.lang a:hover{opacity:1}
@media (max-width:767px){nav ul{gap:14px}nav ul li.lang{display:block}nav .mark img,nav .mark svg{height:18px}nav ul li:last-child a{padding:7px 12px;font-size:13px}}

/* Seitenkopf für Unterseiten */
.head{padding:140px 0 clamp(40px,6vw,72px)}
.head .crumb{font-size:14px;color:var(--mute);margin-bottom:22px}
.head .crumb a:hover{color:var(--ink)}
.head h1{max-width:16ch}
.head .lede{margin-top:20px;font-size:clamp(17px,1.4vw,21px);color:var(--mute);max-width:56ch}
.head .meta{margin-top:20px;font-size:14px;color:var(--mute)}
.head .btn{margin-top:26px}

/* Zweispaltiger Aufbau, links klebender Titel */
.split{display:grid;grid-template-columns:5fr 7fr;gap:clamp(32px,6vw,96px);align-items:start}
.split .left{position:sticky;top:96px}
.split .left p{margin-top:16px}
@media (max-width:767px){.split{grid-template-columns:1fr}.split .left{position:static}}

/* Zeilenlisten */
.rows{border-top:1px solid var(--line)}
.rows > a,.rows > div{display:grid;grid-template-columns:1fr;gap:10px;padding:28px 0;border-bottom:1px solid var(--line)}
.rows > a{transition:padding-left .25s cubic-bezier(.16,1,.3,1)}
.rows > a:hover{padding-left:12px}
.rows p{color:var(--mute)}
.rows .link{font-size:15px}
.rows.two > a,.rows.two > div{grid-template-columns:1fr 2fr;gap:24px;align-items:baseline}
@media (max-width:767px){.rows.two > a,.rows.two > div{grid-template-columns:1fr;gap:6px}}

/* Fließtext auf Wissensseiten */
.prose > *{max-width:70ch}
.prose h2{font-size:clamp(24px,2.4vw,34px);margin:56px 0 16px}
.prose h3{margin:32px 0 10px}
.prose p{margin-bottom:18px;font-size:17px}
.prose ul,.prose ol{margin:0 0 18px 22px;font-size:17px}
.prose li{margin-bottom:8px}
.prose table{border-collapse:collapse;width:100%;margin:8px 0 24px;font-size:16px}
.prose th,.prose td{text-align:left;padding:12px 12px 12px 0;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-weight:600}
@media (max-width:767px){.prose table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}.prose th,.prose td{min-width:140px}}
.prose .answer{font-size:clamp(18px,1.5vw,22px);line-height:1.45;padding:22px 0 22px 24px;border-left:3px solid var(--ink);margin:0 0 36px;max-width:66ch}
.prose .source{font-size:14px;color:var(--mute)}
.prose .source a{text-decoration:underline}
.prose .cta{margin-top:48px;padding:32px;background:var(--bg2);border-radius:4px}
.prose .cta p{margin-bottom:16px}

/* Dunkle Sektion */
.proof{background:var(--dark);color:#fff}
.proof .grid{display:grid;grid-template-columns:6fr 6fr;gap:clamp(32px,6vw,96px);align-items:center}
.proof p{margin-top:18px;color:rgba(255,255,255,.72)}
.proof ul{list-style:none;margin-top:24px;display:grid;max-width:52ch}
.proof li{padding:12px 0;border-top:1px solid rgba(255,255,255,.18);color:rgba(255,255,255,.88)}
.proof li:last-child{border-bottom:1px solid rgba(255,255,255,.18)}
@media (max-width:767px){.proof .grid{grid-template-columns:1fr}}

/* Ablauf */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:48px;position:relative}
.steps::before{content:"";position:absolute;left:0;right:0;top:6px;height:1px;background:var(--line)}
.steps div{padding-top:28px;position:relative}
.steps div::before{content:"";position:absolute;left:0;top:0;width:13px;height:13px;border-radius:50%;background:var(--ink)}
.steps p{color:var(--mute);margin-top:8px;font-size:15px}
@media (max-width:767px){.steps{grid-template-columns:1fr;gap:28px}.steps::before{display:none}}

/* FAQ */
details{border-bottom:1px solid var(--line)}
details:first-of-type{border-top:1px solid var(--line)}
summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;font-size:clamp(17px,1.4vw,20px);font-weight:500;position:relative;letter-spacing:-.01em}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:18px;font-size:26px;font-weight:300;color:var(--mute);transition:transform .25s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding:0 0 24px;color:var(--mute);max-width:70ch}

/* Kontakt */
.contact .grid{display:grid;grid-template-columns:5fr 7fr;gap:clamp(32px,6vw,96px)}
.contact .direct{margin-top:24px;display:grid;gap:6px;font-size:17px}
form{display:grid;gap:18px}
form .two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:grid;gap:8px;font-size:14px;font-weight:500}
input,textarea{font:inherit;padding:12px 14px;border:1px solid #b9b6ad;border-radius:4px;background:#fff;color:var(--ink)}
input:focus,textarea:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
textarea{min-height:140px;resize:vertical}
form small{color:var(--mute);font-size:13px;max-width:60ch}
@media (max-width:767px){.contact .grid,form .two{grid-template-columns:1fr}}

footer{border-top:1px solid var(--line);padding:40px 0 48px;font-size:14px;color:var(--mute)}
footer .grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
footer ul{list-style:none;display:grid;gap:8px}
footer b{color:var(--ink);font-weight:600}
@media (max-width:767px){footer .grid{grid-template-columns:1fr}}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.rows > a{transition:none}}
.prose table.facts{margin:8px 0 32px}.prose table.facts th{width:28%;color:var(--mute);font-weight:500}