:root{
  --navy:#0b3a66;--navy-2:#135089;--ink:#1b2733;--muted:#5b6977;--line:#dde3ea;
  --bg:#ffffff;--bg-soft:#f4f7fa;--bg-navy:#0b3a66;
  --accent:#1d9bd1;--accent-2:#1680ad;--green:#2a8a5c;
  --radius:14px;--shadow:0 6px 24px rgba(11,58,102,.08);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --max:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--navy-2)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4vw,2.8rem);letter-spacing:-.01em}
h2{font-size:clamp(1.4rem,2.6vw,1.9rem);margin-top:0}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px}
.skip:focus{left:8px;z-index:99}
.lead{font-size:1.15rem;color:var(--muted)}
.muted{color:var(--muted)}
.small{font-size:.9rem}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:20px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand-mark{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;letter-spacing:.02em}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text strong{font-size:1.1rem}
.brand-text small{font-size:.72rem;color:var(--muted)}
.nav{margin-left:auto}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:16px}
.header-contact{margin-left:auto;white-space:nowrap}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.9rem;white-space:nowrap}
.nav a:hover{color:var(--navy)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit}
.header-contact{display:flex;align-items:center;gap:12px}
.phone{text-decoration:none;font-weight:600;color:var(--navy);white-space:nowrap}
.btn{display:inline-block;border-radius:999px;padding:12px 22px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font:inherit;font-weight:600;line-height:1.2;transition:.15s}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-2);border-color:var(--accent-2)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-sm{padding:9px 16px;font-size:.92rem}
.btn-lg{padding:16px 30px;font-size:1.08rem}

/* hero */
.hero{background:linear-gradient(180deg,#f4f7fa 0%,#fff 100%);padding:56px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}
.hero .kicker{display:inline-block;font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-2);margin-bottom:10px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:22px 0 10px}
.hero-note{font-size:.9rem;color:var(--muted)}
.checklist{list-style:none;padding:0;margin:18px 0}
.checklist li{padding-left:30px;position:relative;margin:8px 0}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:800}

/* example card */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.card-navy{background:var(--bg-navy);color:#fff;border:none}
.card-navy h2,.card-navy h3{color:#fff}
.card-navy .muted{color:#b9c6d4}
.example-row{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.example-row:last-child{border-bottom:none}
.example-row strong{font-size:1.15rem}
.example-total{margin-top:14px;padding:14px;border-radius:10px;background:rgba(255,255,255,.1)}
.example-total strong{font-size:1.5rem;color:#8fd6f5}
.tag{display:inline-block;font-size:.75rem;padding:3px 10px;border-radius:999px;background:rgba(255,255,255,.14);margin-bottom:10px}

/* trust bar */
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust ul{list-style:none;margin:0;padding:14px 0;display:flex;flex-wrap:wrap;gap:8px 32px;justify-content:center;font-size:.92rem;color:var(--muted)}
.trust li::before{content:"•";color:var(--accent);margin-right:8px;font-weight:800}

/* sections */
.section{padding:56px 0}
.section-soft{background:var(--bg-soft)}
.section-navy{background:var(--bg-navy);color:#fff}
.section-navy h2{color:#fff}
.section-head{max-width:760px;margin-bottom:28px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:var(--ink);transition:.15s}
a.tile:hover{border-color:var(--navy);box-shadow:var(--shadow);transform:translateY(-2px)}
.tile h3{margin:0}
.tile .more{margin-top:auto;color:var(--navy-2);font-weight:600}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 24px 24px 64px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:20px;top:22px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";color:var(--accent);font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq p{margin:10px 0 0}
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose table{width:100%;border-collapse:collapse;margin:1em 0;font-size:.95rem}
@media (max-width:760px){.prose table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;white-space:normal}.prose table th,.prose table td{min-width:120px}}
html,body{overflow-x:hidden}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--bg-soft)}
.prose ul{padding-left:22px}
.callout{border-left:4px solid var(--accent);background:var(--bg-soft);padding:16px 20px;border-radius:0 10px 10px 0;margin:1.4em 0}
.author{display:flex;gap:16px;align-items:center;border:1px solid var(--line);border-radius:var(--radius);padding:16px;margin:2em 0}
.avatar{width:72px;height:72px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.3rem;flex:none}
.cta-band{background:var(--bg-navy);color:#fff;padding:48px 0}
.cta-band h2{color:#fff}
.cta-band .btn-primary{margin-right:10px}
.person{display:grid;grid-template-columns:1fr 1.4fr;gap:34px;align-items:center}
.photo-placeholder{aspect-ratio:4/5;border-radius:var(--radius);background:linear-gradient(160deg,#dfe7ef,#c4d1de);display:grid;place-items:center;color:var(--navy-2);text-align:center;padding:20px;font-weight:600}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;text-align:center}
.stat strong{display:block;font-size:1.7rem;color:var(--navy)}
.stat span{font-size:.9rem;color:var(--muted)}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;font-style:italic}
.quote cite{display:block;margin-top:10px;font-style:normal;color:var(--muted);font-size:.9rem}
.article-list{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.breadcrumb{font-size:.85rem;color:var(--muted);margin:18px 0 0}
.breadcrumb a{color:var(--muted)}

/* check */
.check-wrap{max-width:720px;margin:0 auto}
.progress{height:6px;background:var(--line);border-radius:3px;margin:16px 0 28px;overflow:hidden}
.progress span{display:block;height:100%;background:var(--accent);width:0;transition:.3s}
.step{display:none}
.step.active{display:block}
.options{display:grid;gap:12px;margin:18px 0}
.option{display:flex;align-items:center;gap:14px;border:2px solid var(--line);border-radius:12px;padding:16px 18px;cursor:pointer;background:#fff;font:inherit;text-align:left;width:100%;transition:.15s}
.option:hover{border-color:var(--navy)}
.option.selected{border-color:var(--accent);background:#fff8ec}
.option .o-ico{width:36px;height:36px;border-radius:10px;background:var(--bg-soft);display:grid;place-items:center;flex:none;font-weight:700;color:var(--navy)}
.step-actions{display:flex;justify-content:space-between;gap:12px;margin-top:22px}
.link-btn{background:none;border:none;color:var(--muted);font:inherit;cursor:pointer;text-decoration:underline}
.field{margin:14px 0}
.field label{display:block;font-weight:600;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit}
.field input:focus,.field select:focus{outline:2px solid var(--accent);border-color:var(--accent)}
.field .hint{font-size:.85rem;color:var(--muted);margin-top:4px}
.consent-field{display:flex;gap:10px;align-items:flex-start;font-size:.92rem}
.consent-field input{width:auto;margin-top:4px}
.result{background:var(--bg-soft);border-radius:var(--radius);padding:22px;margin:16px 0}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.error{color:#b42318;font-size:.9rem;margin-top:6px}
.contact-modes{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:12px 0}

/* consent */
.consent{position:fixed;inset:auto 0 0 0;z-index:100;padding:16px}
.consent-box{max-width:900px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 10px 40px rgba(0,0,0,.18);padding:20px 24px;font-size:.92rem}
.consent-actions{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}

/* footer */
.site-footer{background:#0b1f33;color:#c7d3df;padding:48px 0 24px;margin-top:40px;font-size:.92rem}
.site-footer a{color:#e8eef4}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}
.footer-head{font-weight:700;color:#fff;margin-bottom:8px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:4px 0}
.footer-note{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:16px;font-size:.82rem;color:#92a3b5}

@media (max-width:1400px){.header-contact .phone{display:none}.nav ul{gap:12px}}
@media (max-width:980px){
  .hero-grid,.grid-3,.steps,.article-list,.person,.footer-grid{grid-template-columns:1fr 1fr}
  .nav ul{gap:12px}
}
@media (max-width:760px){
  body{font-size:16px}
  .header-inner{flex-wrap:wrap;gap:10px;padding:10px 0}
  .nav{order:3;width:100%}
  .nav-toggle{display:inline-block}
  .nav ul{display:none;flex-direction:column;gap:0;border-top:1px solid var(--line);padding-top:8px}
  .nav ul.open{display:flex}
  .nav li a{display:block;padding:10px 0}
  .header-contact{margin-left:auto}
  .header-contact .phone{display:none}
  .hero{padding:32px 0 24px}
  .hero-grid,.grid-3,.grid-2,.steps,.article-list,.person,.footer-grid,.stats,.contact-modes{grid-template-columns:1fr}
  .section{padding:36px 0}
  .trust ul{justify-content:flex-start;gap:6px 18px}
}
/* Porträt (13.11.2026) */
.person.has-photo{grid-template-columns:170px 1fr;align-items:start}
.portrait{width:160px;height:160px;border-radius:50%;object-fit:cover;object-position:50% 25%;border:4px solid #fff;box-shadow:0 6px 18px rgba(16,42,67,.15)}
@media (max-width:760px){.person.has-photo{grid-template-columns:1fr}.portrait{width:128px;height:128px}}