:root{--navy:#0d3c61;--blue:#1e73be;--green:#1fa45b;--light:#f4f7fb;--text:#172334;--muted:#5b6777;--line:#d9e3ef;--white:#fff;--shadow:0 12px 34px rgba(13,60,97,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--light);color:var(--text)}a{color:var(--blue)}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:999}.header-inner{width:min(1180px,calc(100% - 28px));margin:auto;min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:330px;max-width:46vw;height:auto;display:block}.mainnav{display:flex;align-items:center;gap:8px}.mainnav a{padding:11px 12px;border-radius:11px;text-decoration:none;color:#193550;font-weight:700;font-size:15px}.mainnav a:hover{background:#eef6ff}.mainnav .nav-tool{background:var(--green);color:#fff}.mainnav .nav-tool:hover{background:#168849}.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 11px;font-size:22px}.site-main{min-height:65vh}.site-footer{margin-top:48px;background:#0a3152;color:#dceaf7}.footer-grid{width:min(1120px,calc(100% - 32px));margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:42px;padding:42px 0}.footer-grid>div{display:flex;flex-direction:column;gap:10px}.footer-grid a{color:#fff;text-decoration:none}.footer-logo{width:280px;max-width:100%;background:#fff;border-radius:8px}.footer-grid p{margin:0;line-height:1.6}.small{font-size:13px;color:#a9c3d9}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:16px;text-align:center;font-size:13px;color:#afc7da}.native-page{width:min(1100px,calc(100% - 28px));margin:28px auto}.native-hero{background:linear-gradient(135deg,#0d3c61,#1e73be);color:#fff;border-radius:26px;padding:48px 40px;box-shadow:var(--shadow)}.native-hero h1{font-size:clamp(34px,5vw,54px);margin:8px 0 14px;line-height:1.08;color:#fff}.native-hero p{font-size:19px;line-height:1.65;max-width:850px}.eyebrow{font-size:13px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;opacity:.9}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:13px 20px;text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--green);color:#fff}.btn-secondary{background:#fff;color:var(--navy);border-color:#dce7f1}.tool-shell{width:min(1120px,calc(100% - 28px));margin:28px auto}.tool-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;margin-top:24px}.tool-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}.tool-card h2,.tool-card h3{color:var(--navy)}.field{margin:20px 0}.field label{display:flex;justify-content:space-between;gap:10px;font-weight:800;color:var(--navy);margin-bottom:8px}.field input[type=number],.field select{width:100%;font-size:22px;padding:14px 16px;border:2px solid #c9d9e8;border-radius:14px;background:#fff}.field input[type=range]{width:100%;accent-color:var(--blue)}.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.result{border-radius:16px;padding:17px;background:#f4f8fc;border:1px solid #dae7f2}.result strong{display:block;font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}.result b{display:block;font-size:30px;color:var(--navy);margin-top:5px}.result.danger{background:#fff4f4;border-color:#ffd1d1}.result.danger b{color:#a51d2d}.result.good{background:#effaf3;border-color:#c9edd5}.result.good b{color:#14763d}.bar{height:18px;background:#e7eef5;border-radius:999px;overflow:hidden;display:flex;margin:18px 0 8px}.bar .keep{background:#26a65b;height:100%}.bar .take{background:#cf4354;height:100%}.calc-explain{background:#f3f8fe;border:1px solid #cfe1f4;border-radius:16px;padding:18px;line-height:1.65}.status-chip{display:inline-flex;padding:7px 11px;border-radius:999px;background:#eaf8ef;color:#126e39;font-size:13px;font-weight:800}.tool-note{font-size:14px;color:var(--muted);line-height:1.55}.ebook-card{width:min(980px,calc(100% - 28px));margin:28px auto;background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow);overflow:hidden}.ebook-top{background:linear-gradient(135deg,#0d3c61,#1e73be);padding:46px;color:#fff}.ebook-top h1{font-size:clamp(34px,5vw,54px);margin:7px 0;color:#fff}.ebook-body{padding:34px}.ebook-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:22px 0}.ebook-benefits div{padding:18px;background:#f4f8fc;border:1px solid var(--line);border-radius:16px}.auto-box{margin:22px 0;padding:18px;border-radius:16px;background:#effaf3;border:1px solid #c9edd5;color:#155d36}.migration-promo{width:min(1080px,calc(100% - 24px));margin:24px auto;display:grid;grid-template-columns:1fr 1fr;gap:18px}.promo-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:var(--shadow)}.promo-card h2{margin:0 0 8px;color:var(--navy)}.promo-card p{line-height:1.6}.sourcebox{margin-top:20px;padding:14px 16px;border:1px solid #dbe7f2;background:#f8fbfe;border-radius:14px;font-size:13px;line-height:1.5;color:#4b6174}@media(max-width:860px){.mainnav{display:none;position:absolute;left:14px;right:14px;top:74px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.mainnav.open{display:flex}.menu-toggle{display:block}.brand img{max-width:68vw;width:285px}.tool-grid,.footer-grid,.migration-promo{grid-template-columns:1fr}.results-grid{grid-template-columns:1fr 1fr}.ebook-benefits{grid-template-columns:1fr}.header-inner{min-height:72px}}@media(max-width:520px){.results-grid{grid-template-columns:1fr}.native-hero,.ebook-top{padding:34px 22px}.tool-card,.ebook-body{padding:22px}}

/* Pfändungsrechner V2 */
.pf-pro-tool{margin-bottom:50px}.calculator-hero{position:relative;overflow:hidden}.calculator-hero:after{content:"";position:absolute;width:260px;height:260px;border-radius:50%;right:-70px;bottom:-120px;background:rgba(255,255,255,.08)}.legal-livebar{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:1px;background:#cfe0ee;border:1px solid #cfe0ee;border-radius:18px;overflow:hidden;margin:18px 0 24px}.legal-livebar>div{background:#fff;padding:15px 18px;display:flex;flex-direction:column;gap:5px}.legal-livebar strong{color:var(--navy);font-size:13px;text-transform:uppercase;letter-spacing:.04em}.legal-livebar span{font-size:14px;color:var(--muted);line-height:1.45}.pro-calculator{display:grid;gap:24px}.input-panel{box-shadow:var(--shadow)}.panel-heading p{color:var(--muted);line-height:1.65}.money-input{display:flex;align-items:center;border:2px solid #c9d9e8;background:#fff;border-radius:14px;overflow:hidden}.money-input:focus-within{border-color:var(--blue);box-shadow:0 0 0 4px rgba(30,115,190,.09)}.money-input input{border:0!important;outline:0!important;box-shadow:none!important;border-radius:0!important}.money-input span{font-weight:900;color:var(--navy);font-size:20px;padding:0 16px}.range-scale{display:flex;justify-content:space-between;color:var(--muted);font-size:12px;margin-top:4px}.field-help{font-size:13px;color:var(--muted);line-height:1.55;margin:7px 0 0}.pkonto-options{margin-top:24px;border:1px solid #cfe1f4;background:#f8fbff;border-radius:18px;padding:20px}.pkonto-options-title{display:flex;justify-content:space-between;gap:12px;align-items:center;color:var(--navy)}.pkonto-options-title span{font-size:12px;color:var(--muted)}.check-row{display:flex;gap:10px;align-items:flex-start;margin:16px 0;font-weight:700}.check-row input{margin-top:3px}.dual-results{display:grid;grid-template-columns:1fr 1fr;gap:24px}.result-panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow)}.result-panel h2{margin:8px 0 18px;color:var(--navy);font-size:26px}.result-kicker{font-size:13px;font-weight:900;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}.hero-result{border-radius:20px;padding:22px;background:linear-gradient(135deg,#fff1f1,#fff8f8);border:1px solid #ffd0d5}.hero-result.green{background:linear-gradient(135deg,#eefbf3,#f8fffa);border-color:#c7ead3}.hero-result span{display:block;color:var(--muted);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.hero-result strong{display:block;font-size:clamp(36px,5vw,58px);line-height:1;color:#a51d2d;margin-top:8px}.hero-result.green strong{color:#14763d}.result-mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}.result-mini-grid>div{background:#f5f8fb;border:1px solid #dbe7f1;border-radius:14px;padding:14px}.result-mini-grid span{display:block;font-size:12px;color:var(--muted);min-height:30px}.result-mini-grid b{display:block;margin-top:5px;color:var(--navy);font-size:20px}.stacked-bar{display:flex;height:20px;border-radius:999px;overflow:hidden;background:#e9eff5;margin:20px 0 8px}.stacked-bar .keep{background:#26a65b}.stacked-bar .take{background:#cf4354}.bar-legend{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}.result-message{line-height:1.65;background:#f8fbfe;border-radius:14px;padding:14px;margin:18px 0}.marginal-box{margin-top:18px;border-top:1px solid var(--line);padding-top:18px}.marginal-box>strong{color:var(--navy)}.marginal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:10px}.marginal-grid>div{border:1px solid var(--line);border-radius:12px;padding:11px;text-align:center}.marginal-grid span,.marginal-grid small{display:block;color:var(--muted);font-size:11px}.marginal-grid b{display:block;color:#a51d2d;margin:4px 0;font-size:17px}.pkonto-info{margin-top:18px;padding:16px;border-radius:14px;background:#f3f8fe;border:1px solid #cfe1f4}.pkonto-info strong{color:var(--navy)}.pkonto-info p{font-size:14px;color:var(--muted);line-height:1.55;margin:7px 0 0}.partner-cta{margin-top:18px;padding:18px;border-radius:16px;background:#fff7e7;border:1px solid #efd6a5}.partner-cta .ad-label{display:inline-block;font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:#795714;margin-bottom:6px}.partner-cta strong{display:block;color:#5f4308;font-size:18px}.partner-cta p{font-size:14px;line-height:1.5;margin:7px 0 13px}.pro-section{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow)}.section-head{max-width:850px}.section-head h2,.reverse-section h2,.action-section h2,.sources-section h2{color:var(--navy);margin:6px 0 10px}.section-head p,.reverse-section p,.action-section p{color:var(--muted);line-height:1.65}.eyebrow.dark{color:var(--blue);opacity:1}.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:22px 0}.step-card{position:relative;padding:18px 16px 16px;border:1px solid var(--line);border-radius:16px;background:#f8fbfe}.step-card>span{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-weight:900;margin-bottom:10px}.step-card strong{display:block;color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.04em}.step-card b{display:block;color:var(--navy);font-size:20px;margin-top:7px}.transparency-text{background:#eef6ff;border-left:4px solid var(--blue);padding:15px 17px;border-radius:10px;line-height:1.65}.curve-card{border:1px solid var(--line);border-radius:18px;padding:16px;background:linear-gradient(180deg,#fbfdff,#f5f9fc)}.curve-card svg{width:100%;height:auto;display:block}.curve-grid line{stroke:#dbe5ed;stroke-width:1}.curve-grid text{fill:#6d8294;font-size:12px}.curve-keep-area{fill:rgba(38,166,91,.18)}.curve-pf-area{fill:rgba(207,67,84,.20)}.curve-keep-line{fill:none;stroke:#1d8d50;stroke-width:3}.curve-total-line{fill:none;stroke:#5b7c96;stroke-width:2;stroke-dasharray:5 5}.curve-current{stroke:#0d3c61;stroke-width:2;stroke-dasharray:4 4}.curve-dot{fill:#0d3c61;stroke:#fff;stroke-width:3}.curve-current-label{fill:#0d3c61;font-size:13px;font-weight:800}.curve-axis-label{fill:#6d8294;font-size:12px}.curve-legend{display:flex;gap:20px;flex-wrap:wrap;font-size:13px;color:var(--muted);padding:5px 8px}.curve-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}.legend-keep{background:#26a65b}.legend-pf{background:#cf4354}.curve-insight{margin:12px 8px 4px;padding:15px 17px;border-radius:14px;background:#fff;border:1px solid var(--line);line-height:1.6}.reverse-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:24px;align-items:center}.reverse-card{padding:20px;border-radius:18px;background:#f8fbfe;border:1px solid #dbe7f2}.reverse-card label{display:block;font-weight:800;color:var(--navy);margin-bottom:8px}.reverse-answer{margin-top:14px;padding:15px;border-radius:14px;background:#fff;border:1px solid var(--line)}.reverse-answer span,.reverse-answer small{display:block;color:var(--muted);font-size:12px;line-height:1.45}.reverse-answer strong{display:block;color:var(--navy);font-size:30px;margin:5px 0}.action-section{display:flex;align-items:center;justify-content:space-between;gap:24px}.action-section>div:first-child{max-width:700px}.action-buttons{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}.action-buttons button{font:inherit}.copy-status{font-size:13px;color:var(--green)}.sources-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.sources-grid a{padding:16px;border:1px solid var(--line);border-radius:14px;background:#f8fbfe;text-decoration:none}.sources-grid strong,.sources-grid span{display:block}.sources-grid strong{color:var(--navy)}.sources-grid span{font-size:12px;color:var(--muted);line-height:1.45;margin-top:5px}

/* Vollständige amtliche Pfändungstabelle */
.table-finder{display:flex;gap:10px;align-items:flex-end;flex-wrap:wrap;margin:18px 0;padding:16px;background:#f3f8fe;border:1px solid #cfe1f4;border-radius:16px}.table-finder label{display:flex;flex-direction:column;gap:6px;font-weight:800;color:var(--navy)}.table-finder input{font-size:17px;padding:11px 13px;border:1px solid #bcd0e1;border-radius:10px}.table-finder-result{width:100%;font-size:13px;color:var(--muted)}.official-table-wrap{overflow:auto;max-height:760px;border:1px solid var(--line);border-radius:18px;background:#fff}.official-table{width:100%;border-collapse:separate;border-spacing:0;min-width:880px}.official-table thead th{position:sticky;top:0;z-index:2;background:#0d3c61;color:#fff}.official-table th,.official-table td{padding:11px 12px;border-bottom:1px solid #e2eaf1;border-right:1px solid #eef3f7;font-size:14px;text-align:right}.official-table th:first-child,.official-table td:first-child{text-align:left;position:sticky;left:0;background:#f8fbfe;z-index:1}.official-table thead th:first-child{z-index:3;background:#0d3c61}.official-table tbody tr:nth-child(even) td{background:#fbfdff}.official-table tbody tr.is-hit th,.official-table tbody tr.is-hit td{background:#fff4c9!important;box-shadow:inset 0 1px #e5b949,inset 0 -1px #e5b949}.table-source-note{font-size:14px;color:var(--muted);line-height:1.6;margin-top:12px}

@media(max-width:900px){.legal-livebar{grid-template-columns:1fr}.dual-results,.reverse-grid{grid-template-columns:1fr}.steps-grid{grid-template-columns:1fr 1fr}.sources-grid{grid-template-columns:1fr 1fr}.action-section{align-items:flex-start;flex-direction:column}.action-buttons{justify-content:flex-start}.result-mini-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.result-mini-grid,.steps-grid,.sources-grid,.marginal-grid{grid-template-columns:1fr}.result-panel,.pro-section{padding:20px}.legal-livebar>div{padding:13px}.hero-result strong{font-size:38px}.bar-legend{gap:8px}.curve-card{padding:4px}.pkonto-options-title{align-items:flex-start;flex-direction:column}}
@media print{.site-header,.site-footer,.menu-toggle,.action-buttons,.partner-cta,.hero-actions,.mainnav{display:none!important}body{background:#fff}.tool-shell{width:100%;margin:0}.native-hero,.pro-section,.result-panel,.tool-card{box-shadow:none;break-inside:avoid}.native-hero{background:#fff;color:#000;border:1px solid #bbb}.native-hero h1,.native-hero p{color:#000}.dual-results{grid-template-columns:1fr 1fr}.curve-section{page-break-before:always}}
.partner-service-box{background:#fff7e7;border:1px solid #efd6a5;border-radius:22px;padding:28px;box-shadow:var(--shadow)}.partner-service-box>span{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#795714;font-weight:800}.partner-service-box h2{color:#5f4308;margin:7px 0 10px}.partner-service-box p{line-height:1.65}.partner-service-box small{display:block;margin-top:12px;color:#78694d;line-height:1.5}

/* Rechner-FAQ: ruhig, lesbar, als echtes Accordion */
.calculator-faq .faq-wrap{display:grid;gap:10px;margin-top:18px}
.calculator-faq .faq-item{border:1px solid var(--line);border-radius:14px;background:#f8fbfe;overflow:hidden}
.calculator-faq .faq-question{width:100%;border:0;background:transparent;color:var(--navy);padding:16px 18px;text-align:left;font:inherit;font-weight:800;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:14px}
.calculator-faq .faq-question:after{content:"+";display:grid;place-items:center;flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:#eaf3fb;color:var(--blue);font-size:20px;line-height:1}
.calculator-faq .faq-item.active .faq-question:after{content:"–"}
.calculator-faq .faq-question:hover{background:#f1f7fc}
.calculator-faq .faq-answer{display:none;padding:0 18px 17px;color:var(--muted);line-height:1.65}
.calculator-faq .faq-item.active .faq-answer{display:block}
.calculator-faq .faq-item.active{background:#fff;border-color:#bfd6e8}
@media(max-width:560px){.calculator-faq .faq-question{padding:14px 15px}.calculator-faq .faq-answer{padding:0 15px 15px}}

/* V2.2 – Rechtsdaten-Härtung / Transparenz */
.result-subline{margin:-8px 0 14px;color:var(--muted);font-size:13px;line-height:1.55}
.pk-proof-note{margin-top:12px;padding:13px 14px;border:1px solid #cfe1f4;border-radius:13px;background:#f8fbfe;color:var(--muted);font-size:13px;line-height:1.55}
.pk-proof-note strong{color:var(--navy)}
.legal-guard-section{border-color:#c9dceb;background:linear-gradient(180deg,#fff,#fbfdff)}
.guard-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.guard-grid>div{padding:17px;border:1px solid var(--line);border-radius:15px;background:#f8fbfe}
.guard-grid strong{display:block;color:var(--navy);margin-bottom:7px}
.guard-grid p{margin:0;color:var(--muted);font-size:14px;line-height:1.58}
.legal-source-line{margin:18px 0 0;padding:14px 16px;border-left:4px solid var(--blue);border-radius:10px;background:#eef6ff;color:#435c72;font-size:13px;line-height:1.6}
.legal-source-line code,.legal-status-page code{padding:2px 6px;border-radius:6px;background:#e4edf5;color:#173f61;font-family:ui-monospace,SFMono-Regular,Consolas,monospace;font-size:.92em}
.calc-data-error{margin:0 0 20px;padding:17px 18px;border:1px solid #efb9bf;border-left:5px solid #b62435;border-radius:14px;background:#fff3f4;color:#7d1d29;line-height:1.6}
.calc-data-error strong{display:block;margin-bottom:4px;color:#8f1726}
.legal-status-page{display:grid;gap:24px}
.legal-status-page .native-hero{margin:0}
.legal-status-livebar{margin:0}
.legal-values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.legal-values-grid>div{padding:18px;border:1px solid var(--line);border-radius:15px;background:#f8fbfe}
.legal-values-grid span,.legal-values-grid strong{display:block}
.legal-values-grid span{color:var(--muted);font-size:13px;line-height:1.45}
.legal-values-grid strong{margin-top:7px;color:var(--navy);font-size:22px}
.legal-process-grid{grid-template-columns:repeat(2,1fr)}
.legal-status-page>.sourcebox{margin-top:0;background:#fffaf0;border-color:#ead8ad;color:#65562f}
.official-integrity-note{margin:15px 0 20px;padding:14px 16px;border-radius:12px;background:#eef6ff;border:1px solid #cfe1f4;color:#435c72;font-size:13px;line-height:1.6}
.official-integrity-note code{padding:2px 6px;border-radius:6px;background:#e4edf5;color:#173f61;font-family:ui-monospace,SFMono-Regular,Consolas,monospace}
@media(max-width:900px){.guard-grid,.legal-values-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.guard-grid,.legal-values-grid,.legal-process-grid{grid-template-columns:1fr}.legal-source-line{font-size:12px}}

/* V2.3 – Sonderbezüge-Check / Sonderfälle */
.special-options{margin-top:24px;border:1px solid #cfddea;background:linear-gradient(180deg,#fbfdff,#f6faff);border-radius:18px;padding:20px}.special-options-title{display:flex;align-items:center;justify-content:space-between;gap:18px}.special-options-title strong,.special-options-title span{display:block}.special-options-title strong{color:var(--navy);font-size:17px}.special-options-title span{margin-top:3px;color:var(--muted);font-size:12px;line-height:1.45}.switch-row{display:flex;align-items:center;gap:9px;white-space:nowrap;font-weight:800;color:var(--navy);cursor:pointer}.switch-row input{width:18px;height:18px}.special-fields{margin-top:18px}.special-intro{margin:0 0 16px;padding:14px 16px;border-radius:13px;background:#eef6ff;border-left:4px solid var(--blue);color:#435c72;font-size:13px;line-height:1.6}.special-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.special-card{margin:0;padding:16px;border:1px solid var(--line);border-radius:15px;background:#fff}.special-card label{margin-top:0}.special-result{margin-top:11px;padding:11px 12px;border-radius:11px;background:#eefbf3;border:1px solid #c7ead3}.special-result.neutral{background:#f7f9fb;border-color:#dbe4ec}.special-result span,.special-result b{display:block}.special-result span{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-weight:800}.special-result b{margin-top:4px;color:#14763d}.special-result.neutral b{color:var(--navy);font-size:13px;line-height:1.45}.danger-check{margin-top:18px;padding:13px 14px;border-radius:12px;background:#fff7f0;border:1px solid #f0d2b3;color:#744111}.special-summary{margin-top:16px;padding:14px 16px;border-radius:13px;background:#fff;border:1px solid var(--line);color:#4e6476;font-size:13px;line-height:1.62}.special-summary strong{color:var(--navy)}.maintenance-warning{padding:17px 18px;border:1px solid #e7a8af;border-left:5px solid #b62435;border-radius:14px;background:#fff3f4;color:#7d1d29;line-height:1.62}.maintenance-warning strong{color:#8f1726}.wage-panel.maintenance-mode{border-color:#e7a8af;box-shadow:0 12px 34px rgba(182,36,53,.08)}.wage-panel.maintenance-mode .result-kicker{color:#a51d2d}.sources-grid{grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}
@media(max-width:760px){.special-options-title{align-items:flex-start;flex-direction:column}.special-grid{grid-template-columns:1fr}.switch-row{white-space:normal}}

/* Nick01 / Punkt 2: zentral schaltbarer Sponsor-/Werbeplatz. Bei deaktiviertem Slot wird kein HTML ausgegeben. */
.sponsor-slot{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:20px 22px;border:1px solid #d7e3ed;border-radius:20px;background:linear-gradient(135deg,#f8fbfe,#eef5fb);box-shadow:0 10px 28px rgba(13,60,97,.07)}
.sponsor-slot-copy{min-width:0}.sponsor-slot-label{display:block;margin-bottom:6px;color:#6b7f91;font-size:10px;font-weight:900;letter-spacing:.1em;text-transform:uppercase}.sponsor-slot strong{display:block;color:var(--navy);font-size:19px;line-height:1.3}.sponsor-slot p{margin:6px 0 0;color:var(--muted);font-size:14px;line-height:1.55}.sponsor-slot-cta{flex:0 0 auto;white-space:nowrap}
@media(max-width:700px){.sponsor-slot{align-items:flex-start;flex-direction:column}.sponsor-slot-cta{width:100%;text-align:center}}
@media print{.sponsor-slot{display:none!important}}

/* Nick01 / Punkte 3–6: Rechner-Politur, Mobile und kompakte Druck-/PDF-Ansicht */
.print-report-head{display:none}
.result-context{display:inline-flex;margin:-8px 0 14px;padding:5px 9px;border-radius:999px;background:#f1f6fa;color:#587086;font-size:11px;font-weight:800;letter-spacing:.02em}
.input-panel .field input[type=number],.input-panel .field select{min-height:54px;transition:border-color .18s ease,box-shadow .18s ease}
.input-panel .field input[type=number]:focus,.input-panel .field select:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(30,115,190,.09)}
.input-panel input[type=range]{min-height:30px;cursor:pointer}
.input-panel select{cursor:pointer}
.result-panel{position:relative;overflow:hidden}
.result-panel:before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:#cf4354}
.pkonto-panel:before{background:#1fa45b}
.action-buttons .btn{min-height:46px}
@media(max-width:700px){
  .tool-shell{width:min(100% - 20px,1120px);margin-top:18px}
  .native-hero{padding:34px 24px;border-radius:22px}
  .native-hero p{font-size:17px}
  .tool-card{padding:22px}
  .field label{display:block;line-height:1.35}.field label span{display:block;margin-top:3px;font-size:12px;font-weight:600;color:var(--muted)}
  .money-input input{font-size:24px!important}
  .result-panel{padding:22px}
  .result-panel h2{font-size:23px}
  .action-buttons{display:grid;width:100%;grid-template-columns:1fr}
  .action-buttons .btn{width:100%}
}
@media(max-width:420px){
  .tool-shell{width:min(100% - 14px,1120px)}
  .native-hero{padding:28px 18px}.native-hero h1{font-size:32px}
  .tool-card,.result-panel,.pro-section{padding:17px;border-radius:18px}
  .money-input span{padding:0 12px}
  .result-mini-grid>div{padding:12px}.result-mini-grid b{font-size:19px}
  .hero-result{padding:18px}.hero-result strong{font-size:36px}
}
@media print{
  @page{size:A4;margin:13mm}
  .calculator-hero,.legal-livebar,.input-panel,.sponsor-slot,.action-section,.reverse-section,.calculator-faq,.sources-section,.legal-guard-section,.site-header,.site-footer,.menu-toggle,.mainnav{display:none!important}
  body{background:#fff;color:#111;font-size:10.5pt}
  .tool-shell{width:100%;margin:0}.pro-calculator{display:block}
  .print-report-head{display:block!important;margin:0 0 12mm;padding:0 0 6mm;border-bottom:2px solid #0d3c61;color:#111}
  .print-report-head>div:first-child{display:flex;justify-content:space-between;gap:20px;align-items:flex-end}.print-report-head>div:first-child strong{font-size:18pt;color:#0d3c61}.print-report-head>div:first-child span{font-size:9pt;color:#555}
  .print-report-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:5mm}.print-report-grid span{border:1px solid #ccd7e0;padding:7px;font-size:8.5pt;color:#555}.print-report-grid b{display:block;margin-top:3px;color:#111;font-size:10pt}
  .print-report-head p{margin:4mm 0 0;font-size:8.5pt;line-height:1.4;color:#555}
  .maintenance-warning{margin-bottom:6mm;break-inside:avoid}
  .dual-results{display:grid;grid-template-columns:1fr 1fr;gap:7mm;margin:0}.result-panel{padding:6mm;border:1px solid #bcc9d4;border-radius:4mm;box-shadow:none;break-inside:avoid;overflow:visible}.result-panel:before{height:2px}
  .result-panel h2{font-size:15pt;margin:2mm 0 4mm}.result-kicker{font-size:8pt}.result-context{font-size:7.5pt;margin:-2mm 0 3mm}.hero-result{padding:4mm}.hero-result strong{font-size:28pt}
  .result-mini-grid{gap:2mm}.result-mini-grid>div{padding:3mm}.result-mini-grid span{font-size:7.5pt;min-height:0}.result-mini-grid b{font-size:12pt}
  .result-message,.pk-proof-note,.pkonto-info,.tool-note,.marginal-box{font-size:8.5pt;line-height:1.4}.partner-cta{display:none!important}
  .transparency-section{margin-top:8mm;padding:6mm;box-shadow:none;border-radius:4mm;break-inside:avoid}.steps-grid{grid-template-columns:repeat(4,1fr);gap:2mm;margin:4mm 0}.step-card{padding:3mm}.step-card>span{display:none}.step-card strong{font-size:7pt}.step-card b{font-size:11pt}
  .curve-section{page-break-before:always;padding:6mm;box-shadow:none;border-radius:4mm}.curve-card{padding:2mm}.curve-insight{font-size:9pt}
}

/* Nick01 / Punkt 5: Premium-Gratis-Finish der eBook-Landingpage */
.ebook-premium-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0 0 14px}.ebook-premium-strip>div{padding:16px 18px;border-radius:16px;background:linear-gradient(180deg,#f8fbfe,#f1f7fc);border:1px solid #d7e4ef}.ebook-premium-strip span,.ebook-premium-strip strong{display:block}.ebook-premium-strip span{font-size:12px;color:var(--muted);font-weight:700}.ebook-premium-strip strong{margin-top:5px;color:var(--navy);font-size:22px}.ebook-trust-row{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 20px}.ebook-trust-row span{padding:7px 10px;border-radius:999px;background:#eefbf3;border:1px solid #c7ead3;color:#14763d;font-size:12px;font-weight:800}
@media(max-width:700px){.ebook-premium-strip{grid-template-columns:1fr}.ebook-top{padding:34px 24px}.ebook-body{padding:24px}.ebook-benefits{grid-template-columns:1fr}}

/* Nick01 / Punkte 7–11: Hero, Glass-/Fintech-Finish, Kurve, Ergebnis-Trennung, Reverse-Rechner */
:root{--glass-bg:rgba(255,255,255,.88);--glass-line:rgba(194,214,231,.72);--fintech-shadow:0 18px 50px rgba(13,60,97,.11)}
.pf-pro-tool{position:relative}
.pf-pro-tool:before{content:"";position:absolute;inset:250px -7vw auto;z-index:-1;height:720px;background:radial-gradient(circle at 20% 20%,rgba(30,115,190,.08),transparent 35%),radial-gradient(circle at 82% 45%,rgba(31,164,91,.07),transparent 32%);pointer-events:none}
.calculator-hero{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(240px,.55fr);gap:24px;align-items:center;min-height:390px;padding:48px 42px;background:radial-gradient(circle at 82% 18%,rgba(97,190,255,.28),transparent 24%),radial-gradient(circle at 68% 115%,rgba(31,164,91,.22),transparent 32%),linear-gradient(135deg,#082f51 0%,#0d4e7e 48%,#1e73be 100%);box-shadow:0 24px 65px rgba(13,60,97,.19)}
.calculator-hero:after{width:420px;height:420px;right:-120px;bottom:-210px;background:rgba(255,255,255,.055)}
.calculator-hero-copy{position:relative;z-index:2;min-width:0}.calculator-hero-copy p{max-width:760px}.calculator-hero .hero-actions{position:relative;z-index:3}
.btn-hero-ghost{background:rgba(255,255,255,.10);border-color:rgba(255,255,255,.28);color:#fff;backdrop-filter:blur(8px)}.btn-hero-ghost:hover{background:rgba(255,255,255,.18)}
.hero-trust-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.hero-trust-pills span{padding:7px 10px;border:1px solid rgba(255,255,255,.18);border-radius:999px;background:rgba(255,255,255,.08);color:rgba(255,255,255,.92);font-size:11px;font-weight:800;letter-spacing:.02em;backdrop-filter:blur(6px)}
.hero-calculator-motif{position:relative;justify-self:end;width:min(100%,290px);aspect-ratio:.82;border:1px solid rgba(255,255,255,.24);border-radius:32px;padding:28px;background:linear-gradient(155deg,rgba(255,255,255,.18),rgba(255,255,255,.06));box-shadow:inset 0 1px 0 rgba(255,255,255,.24),0 30px 70px rgba(3,28,49,.22);transform:rotate(5deg);backdrop-filter:blur(12px);opacity:.84;overflow:hidden}
.hero-calculator-motif:before{content:"";position:absolute;inset:-35% 34% auto -45%;height:75%;background:radial-gradient(circle,rgba(255,255,255,.22),transparent 67%);transform:rotate(-14deg)}
.motif-display{position:relative;z-index:1;display:flex;align-items:flex-end;justify-content:space-between;min-height:88px;padding:16px 18px;border-radius:17px;background:rgba(6,40,68,.46);border:1px solid rgba(255,255,255,.14);box-shadow:inset 0 1px 12px rgba(0,0,0,.12)}.motif-display span{font-size:10px;letter-spacing:.12em;font-weight:900;color:rgba(255,255,255,.68)}.motif-display strong{font-size:42px;line-height:1;color:#fff}
.motif-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:20px}.motif-grid i{display:block;aspect-ratio:1;border-radius:12px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.14);box-shadow:inset 0 1px 0 rgba(255,255,255,.12)}.motif-grid i:nth-child(3n){background:rgba(31,164,91,.28)}
.motif-shield{position:absolute;right:-18px;bottom:-16px;z-index:2;display:grid;place-items:center;width:104px;height:114px;border-radius:48% 48% 52% 52% / 34% 34% 66% 66%;background:linear-gradient(160deg,rgba(38,166,91,.96),rgba(16,116,63,.9));border:7px solid rgba(255,255,255,.85);color:#fff;font-size:42px;font-weight:900;box-shadow:0 14px 35px rgba(3,39,26,.28);transform:rotate(-5deg)}

.legal-livebar,.input-panel,.result-panel,.pro-section{background:var(--glass-bg);border-color:var(--glass-line);box-shadow:var(--fintech-shadow);backdrop-filter:blur(10px)}
.legal-livebar{box-shadow:0 12px 32px rgba(13,60,97,.07)}.legal-livebar>div{background:rgba(255,255,255,.92)}
.input-panel{background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(249,252,255,.91))}.pkonto-options,.special-options{box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}

.dual-results{position:relative;grid-template-columns:minmax(0,1fr) 34px minmax(0,1fr);gap:14px;align-items:stretch}.result-panel{height:100%;border-width:1px}.wage-panel{border-color:rgba(207,67,84,.24);background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(255,248,249,.90))}.pkonto-panel{border-color:rgba(31,164,91,.25);background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(246,253,249,.91))}.result-panel:before{height:5px}.wage-panel .result-context{background:#fff0f2;color:#92505a}.pkonto-panel .result-context{background:#ecf9f1;color:#287047}
.result-system-divider{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;min-width:34px;color:#7790a4}.result-system-divider:before,.result-system-divider:after{content:"";width:1px;flex:1;background:linear-gradient(to bottom,transparent,#c7d5df,transparent)}.result-system-divider span{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#fff;border:1px solid #cfdae4;color:var(--navy);font-size:17px;font-weight:900;box-shadow:0 7px 18px rgba(13,60,97,.08)}.result-system-divider small{writing-mode:vertical-rl;transform:rotate(180deg);font-size:9px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap}
.wage-panel .hero-result{box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 9px 24px rgba(207,67,84,.08)}.pkonto-panel .hero-result{box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 9px 24px rgba(31,164,91,.08)}

.curve-section{position:relative;overflow:hidden;border-color:rgba(30,115,190,.26);background:radial-gradient(circle at 100% 0,rgba(30,115,190,.08),transparent 34%),linear-gradient(180deg,rgba(255,255,255,.96),rgba(246,250,254,.93));box-shadow:0 22px 58px rgba(13,60,97,.13)}.curve-section:before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(#1e73be,#1fa45b)}
.curve-section .section-head h2{font-size:clamp(28px,4vw,38px)}.curve-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:20px 0 14px}.curve-summary>div{padding:14px 16px;border-radius:15px;background:rgba(255,255,255,.82);border:1px solid #d6e3ed;box-shadow:0 8px 22px rgba(13,60,97,.06)}.curve-summary span,.curve-summary strong{display:block}.curve-summary span{font-size:11px;color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.045em}.curve-summary strong{margin-top:5px;font-size:24px;color:var(--navy)}.curve-summary-keep strong{color:#14763d}.curve-summary-pf strong{color:#a51d2d}
.curve-card{padding:18px;border-color:#cbdce9;background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(244,249,253,.92));box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 12px 30px rgba(13,60,97,.06)}.curve-keep-line{stroke-width:4}.curve-total-line{stroke-width:2.4}.curve-current{stroke-width:2.5}.curve-dot{r:7}.curve-insight{border-color:#cbdce9;background:linear-gradient(135deg,#fff,#f7fbfe);font-size:15px;box-shadow:0 7px 18px rgba(13,60,97,.05)}

.reverse-feature{position:relative;overflow:hidden;border-color:rgba(30,115,190,.30);background:radial-gradient(circle at 84% 20%,rgba(74,167,229,.24),transparent 30%),linear-gradient(135deg,#0b385d 0%,#0e527f 58%,#116a8f 100%);box-shadow:0 24px 62px rgba(13,60,97,.19)}.reverse-feature:after{content:"↔";position:absolute;right:28px;bottom:-44px;color:rgba(255,255,255,.06);font-size:180px;font-weight:900;line-height:1;pointer-events:none}.reverse-feature .reverse-copy{position:relative;z-index:1}.reverse-feature .eyebrow.dark{color:#aee0ff}.reverse-feature h2{color:#fff;font-size:clamp(28px,4vw,38px)}.reverse-feature p{color:rgba(255,255,255,.78)}.reverse-feature-badge{display:inline-flex;margin-bottom:12px;padding:7px 10px;border-radius:999px;background:rgba(31,164,91,.18);border:1px solid rgba(118,231,170,.32);color:#d4ffe6;font-size:11px;font-weight:900;letter-spacing:.05em;text-transform:uppercase}.reverse-trust{display:flex;flex-wrap:wrap;gap:7px;margin-top:18px}.reverse-trust span{padding:6px 9px;border-radius:999px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);color:rgba(255,255,255,.84);font-size:11px;font-weight:800}.reverse-feature .reverse-card{position:relative;z-index:1;padding:24px;background:rgba(255,255,255,.94);border-color:rgba(255,255,255,.42);box-shadow:0 18px 40px rgba(3,31,52,.20);backdrop-filter:blur(12px)}.reverse-feature .reverse-answer{background:linear-gradient(135deg,#f4faff,#effbf4);border-color:#c9dfe8}.reverse-feature .reverse-answer strong{font-size:36px;color:#0d4f7c}

@media(max-width:900px){
  .calculator-hero{grid-template-columns:1fr;min-height:0}.hero-calculator-motif{position:absolute;right:-54px;top:48px;width:245px;opacity:.24;z-index:0}.calculator-hero-copy{max-width:760px}.calculator-hero-copy p{max-width:680px}
  .dual-results{grid-template-columns:1fr}.result-system-divider{flex-direction:row;min-width:0;min-height:34px}.result-system-divider:before,.result-system-divider:after{height:1px;width:auto;flex:1;background:linear-gradient(to right,transparent,#c7d5df,transparent)}.result-system-divider small{writing-mode:horizontal-tb;transform:none}
}
@media(max-width:700px){.hero-actions .btn{width:100%}.hero-trust-pills{gap:6px}.hero-calculator-motif{right:-78px;top:66px}.curve-summary{grid-template-columns:1fr 1fr}.curve-summary>div:first-child{grid-column:1/-1}.reverse-feature .reverse-card{padding:20px}}
@media(max-width:420px){.hero-calculator-motif{display:none}.hero-trust-pills span{font-size:10px}.curve-summary{grid-template-columns:1fr}.curve-summary>div:first-child{grid-column:auto}.reverse-feature{padding:20px!important}.reverse-feature .reverse-answer strong{font-size:31px}}
@media print{.hero-calculator-motif,.hero-trust-pills,.result-system-divider,.curve-summary,.reverse-feature-badge,.reverse-trust{display:none!important}.result-panel,.pro-section{backdrop-filter:none}.dual-results{grid-template-columns:1fr 1fr;gap:7mm}}
/* Nick01 7–11 Mobile-Overflow-Schutz: dekorative Glows und Range-Thumbs dürfen nie die Seite verbreitern */
.pf-pro-tool:before{inset:250px 0 auto}
@media(max-width:700px){.input-panel input[type=range]{width:calc(100% - 4px);margin-left:2px;margin-right:2px}}


/* Nick01 Punkte 12–16: Trust, kompakte Rechtstexte, vorbereitete Fachpruefung */
.legal-livebar{grid-template-columns:1.35fr .9fr .9fr 1fr}
.trust-review-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(280px,.75fr);gap:18px}
.legal-trust-card,.expert-review-card{border:1px solid var(--glass-line);border-radius:22px;background:var(--glass-bg);box-shadow:var(--fintech-shadow);backdrop-filter:blur(10px)}
.legal-trust-card{display:grid;grid-template-columns:auto 1fr;gap:18px;padding:25px 26px;border-color:rgba(30,115,190,.24);background:radial-gradient(circle at 0 0,rgba(30,115,190,.08),transparent 35%),linear-gradient(180deg,rgba(255,255,255,.97),rgba(247,251,254,.92))}
.legal-trust-icon{display:grid;place-items:center;width:52px;height:58px;border-radius:17px 17px 22px 22px;background:linear-gradient(155deg,#1fa45b,#14723f);color:#fff;font-size:26px;font-weight:900;box-shadow:0 12px 25px rgba(31,164,91,.20)}
.legal-trust-card h2{margin:5px 0 7px;color:var(--navy);font-size:24px}.legal-trust-card p{margin:0;color:var(--muted);line-height:1.58;font-size:14px}
.legal-trust-meta{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:14px}.legal-trust-meta span{padding:10px 11px;border:1px solid #dbe7f0;border-radius:12px;background:rgba(255,255,255,.78)}.legal-trust-meta small,.legal-trust-meta strong{display:block}.legal-trust-meta small{color:var(--muted);font-size:10px;text-transform:uppercase;letter-spacing:.055em;font-weight:800}.legal-trust-meta strong{margin-top:3px;color:var(--navy);font-size:13px;overflow-wrap:anywhere}
.legal-trust-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:14px}.legal-trust-actions a{font-size:13px;font-weight:800;text-decoration:none}
.expert-review-card{padding:24px;display:flex;flex-direction:column;justify-content:center;min-height:100%}.expert-review-badge{display:inline-flex;align-self:flex-start;padding:6px 9px;border-radius:999px;font-size:10px;font-weight:900;letter-spacing:.055em;text-transform:uppercase}.expert-review-card strong{display:block;margin-top:10px;color:var(--navy);font-size:19px;line-height:1.35}.expert-review-card strong a{color:inherit;text-decoration:none}.expert-review-card strong span{display:block;margin-top:3px;color:var(--muted);font-size:12px;font-weight:700}.expert-review-card p{margin:8px 0 0;color:var(--muted);font-size:13px;line-height:1.55}
.expert-review-card.is-pending{opacity:.72;border-style:dashed;background:linear-gradient(135deg,rgba(249,251,253,.88),rgba(241,246,250,.82))}.expert-review-card.is-pending .expert-review-badge{background:#eef3f7;color:#667c8f}.expert-review-card.is-verified{border-color:rgba(31,164,91,.34);background:linear-gradient(135deg,#f5fcf8,#fff)}.expert-review-card.is-verified .expert-review-badge{background:#e9f8ef;color:#126e39}
.compact-head p{margin-bottom:0}.legal-compact-list{display:grid;gap:8px;margin-top:16px}.legal-compact-list details{border:1px solid var(--line);border-radius:13px;background:#f8fbfe;overflow:hidden}.legal-compact-list summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 15px;cursor:pointer}.legal-compact-list summary::-webkit-details-marker{display:none}.legal-compact-list summary span,.legal-compact-list summary strong,.legal-compact-list summary small{display:block}.legal-compact-list summary strong{color:var(--navy);font-size:14px}.legal-compact-list summary small{margin-top:2px;color:var(--muted);font-size:11px}.legal-compact-list summary>b,.sources-details summary>b{display:grid;place-items:center;flex:0 0 26px;width:26px;height:26px;border-radius:50%;background:#eaf3fb;color:var(--blue);font-size:18px}.legal-compact-list details[open] summary>b,.sources-details[open] summary>b{transform:rotate(45deg)}.legal-compact-list details p{margin:0;padding:0 15px 14px;color:var(--muted);font-size:13px;line-height:1.58}
.calculator-faq .faq-wrap{grid-template-columns:1fr 1fr;align-items:start}.calculator-faq .faq-question{padding:13px 15px}.faq-question-copy{display:block;min-width:0}.faq-question-copy>span:last-child{display:block}.faq-topic{display:block;margin-bottom:3px;color:var(--blue);font-size:9px;font-weight:900;letter-spacing:.07em;text-transform:uppercase}.calculator-faq .faq-answer{padding:0 15px 14px;font-size:13px;line-height:1.58}
.sources-section{padding:0;overflow:hidden}.sources-details>summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:22px 26px;cursor:pointer}.sources-details>summary::-webkit-details-marker{display:none}.sources-details>summary span,.sources-details>summary strong,.sources-details>summary small{display:block}.sources-details>summary strong{margin-top:3px;color:var(--navy);font-size:20px}.sources-details>summary small{margin-top:4px;color:var(--muted);font-size:12px}.sources-details .sources-grid{padding:0 26px}.sources-details .sourcebox{margin:18px 26px 24px}
@media(max-width:900px){.legal-livebar{grid-template-columns:1fr 1fr}.trust-review-grid{grid-template-columns:1fr}.calculator-faq .faq-wrap{grid-template-columns:1fr}}
@media(max-width:560px){.legal-livebar{grid-template-columns:1fr}.legal-trust-card{grid-template-columns:1fr;padding:20px}.legal-trust-icon{width:44px;height:49px;font-size:22px}.legal-trust-meta{grid-template-columns:1fr}.expert-review-card{padding:20px}.sources-details>summary{padding:18px 20px}.sources-details .sources-grid{padding:0 20px}.sources-details .sourcebox{margin:16px 20px 20px}}
@media print{.trust-review-grid,.legal-guard-section,.sources-section{display:none!important}}


/* Nick01 Visual Finish: die am 14.08.2026 erstellten Portalbilder gezielt eingebaut */
.hero-calculator-visual{position:relative;z-index:2;justify-self:end;width:min(100%,440px);margin:0;transform:rotate(1.4deg);filter:drop-shadow(0 24px 35px rgba(2,24,42,.26))}
.hero-calculator-visual:before{content:"";position:absolute;inset:7% 6% -3%;border-radius:32px;background:radial-gradient(circle at 52% 45%,rgba(82,194,255,.34),rgba(31,164,91,.10) 46%,transparent 72%);filter:blur(18px);z-index:-1}
.hero-calculator-visual img{display:block;width:100%;height:auto;border-radius:26px;border:1px solid rgba(255,255,255,.20);box-shadow:inset 0 1px 0 rgba(255,255,255,.18)}
.transparency-visual-layout{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(310px,.92fr);gap:22px;align-items:center;margin-top:18px}
.transparency-steps{min-width:0}.transparency-visual-layout .steps-grid{grid-template-columns:repeat(2,1fr);margin-top:0}
.calculator-dashboard-visual{margin:0;padding:9px;border-radius:22px;background:linear-gradient(145deg,rgba(255,255,255,.96),rgba(235,245,252,.9));border:1px solid #cfdeea;box-shadow:0 16px 40px rgba(13,60,97,.12);overflow:hidden}
.calculator-dashboard-visual img{display:block;width:100%;height:auto;border-radius:16px}
.calculator-dashboard-visual figcaption{padding:9px 6px 3px;color:var(--muted);font-size:11px;line-height:1.45}
.expert-review-card.is-pending{position:relative;overflow:hidden;isolation:isolate}
.expert-review-card.is-pending>*:not(.expert-review-visual){position:relative;z-index:2}
.expert-review-visual{position:absolute;z-index:0;width:190px;height:190px;right:-25px;bottom:-34px;object-fit:contain;opacity:.16;pointer-events:none;filter:saturate(.72)}
@media(max-width:900px){.hero-calculator-visual{justify-self:center;width:min(100%,620px);transform:none;margin-top:8px}.transparency-visual-layout{grid-template-columns:1fr}.calculator-dashboard-visual{max-width:720px;margin-inline:auto}.transparency-visual-layout .steps-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.hero-calculator-visual{width:100%;margin-top:4px}.hero-calculator-visual img{border-radius:18px}.transparency-visual-layout .steps-grid{grid-template-columns:1fr}.calculator-dashboard-visual{padding:6px;border-radius:18px}.calculator-dashboard-visual img{border-radius:13px}.expert-review-visual{width:155px;height:155px;right:-28px;bottom:-30px;opacity:.12}}
@media print{.hero-calculator-visual,.calculator-dashboard-visual,.expert-review-visual{display:none!important}}

@media(min-width:901px){.calculator-hero{grid-template-columns:minmax(0,1.18fr) minmax(360px,.82fr)}}

/* Nick01: Privatinsolvenz – klare Abgrenzung Verbraucher-/Regelinsolvenz + visuelle Auflockerung */
.insolvency-page{display:grid;gap:24px}.insolvency-hero{display:grid;grid-template-columns:1.16fr .84fr;align-items:stretch;overflow:hidden;border-radius:26px;background:linear-gradient(135deg,#0d3c61,#1e73be);box-shadow:var(--shadow);color:#fff}.insolvency-hero-copy{padding:42px 40px;position:relative;z-index:2}.insolvency-hero h1{margin:8px 0 14px;color:#fff;font-size:clamp(34px,4.5vw,52px);line-height:1.08}.insolvency-hero p{margin:0;max-width:720px;font-size:18px;line-height:1.64;color:#eef7ff}.insolvency-hero-visual{margin:0;min-height:100%;position:relative}.insolvency-hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#1c69a8 0,rgba(28,105,168,.22) 26%,transparent 52%);pointer-events:none}.insolvency-hero-visual img{width:100%;height:100%;object-fit:cover;display:block}.insolvency-trust-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.insolvency-trust-row span{padding:7px 10px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);font-size:12px;font-weight:800;color:#fff}.insolvency-section{padding:30px;background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:0 12px 34px rgba(13,60,97,.06)}.soft-section{background:linear-gradient(180deg,#fff,#f7fbff)}.section-heading{max-width:860px}.section-heading h2,.decision-flow h3,.legal-sources-section h2{margin:6px 0 10px;color:var(--navy);font-size:clamp(25px,3.4vw,36px);line-height:1.15}.section-heading p{margin:0;color:var(--muted);line-height:1.7;font-size:16px}.center-heading{text-align:center;margin-inline:auto}.blue-eyebrow{color:var(--blue);opacity:1}.insolvency-compare{display:grid;grid-template-columns:1fr 250px 1fr;gap:18px;align-items:stretch;margin-top:24px}.insolvency-choice{padding:24px;border:1px solid #d8e6f1;border-radius:20px}.consumer-choice{background:linear-gradient(180deg,#f3f8ff,#fff)}.regular-choice{background:linear-gradient(180deg,#f2fbf5,#fff);border-color:#d7eadc}.choice-icon{display:grid;place-items:center;width:46px;height:46px;border-radius:15px;background:#fff;border:1px solid #d9e6f0;font-size:23px}.insolvency-choice h3{margin:14px 0 6px;color:var(--navy);font-size:22px}.insolvency-choice p{margin:0 0 14px;color:var(--muted)}.check-list{display:grid;gap:9px;margin:0;padding:0;list-style:none}.check-list li{position:relative;padding-left:24px;color:#40556a;line-height:1.5}.check-list li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:900}.insolvency-road-sign{margin:0;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:16px;border-radius:20px;background:#f8fbfe;border:1px solid var(--line)}.insolvency-road-sign img{display:block;width:100%;height:auto;max-width:250px;border-radius:14px}.insolvency-road-sign figcaption{margin-top:8px;text-align:center;color:var(--muted);font-size:12px;line-height:1.4}.decision-flow{margin-top:26px;padding-top:24px;border-top:1px solid var(--line)}.decision-flow h3{text-align:center;font-size:24px}.decision-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:18px}.decision-card{padding:17px;border:1px solid var(--line);border-radius:16px;background:#f8fbfe}.decision-card>span{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-size:13px;font-weight:900}.decision-card strong{display:block;margin:10px 0 6px;color:var(--navy);line-height:1.35}.decision-card p{margin:0;color:var(--muted);font-size:13px;line-height:1.55}.decision-note{margin:14px 0 0;padding:12px 14px;border-radius:12px;background:#fff8e8;border:1px solid #ead8ad;color:#66572e;font-size:13px;line-height:1.55}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}.process-grid article{padding:19px;border:1px solid var(--line);border-radius:16px;background:#fff}.process-grid article>span{display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:#eaf3fb;color:var(--blue);font-weight:900}.process-grid h3,.plain-info-grid h3,.money-feature h3{margin:11px 0 7px;color:var(--navy);font-size:18px}.process-grid p,.plain-info-grid p,.money-feature p{margin:0;color:var(--muted);line-height:1.62;font-size:14px}.plain-info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px}.plain-info-grid article{padding:20px;border:1px solid var(--line);border-radius:16px;background:#f8fbfe}.money-feature-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:14px;margin-top:22px}.money-feature{display:grid;grid-template-columns:1.25fr .75fr;gap:20px;align-items:center;padding:22px;border-radius:18px;background:linear-gradient(135deg,#f4f9fe,#fff);border:1px solid #d7e5f0}.money-feature img{width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:16px;display:block}.compact-money-feature{display:block;background:linear-gradient(180deg,#f2fbf5,#fff);border-color:#d5eadb}.mini-label{display:inline-flex;padding:5px 8px;border-radius:999px;background:#eaf3fb;color:var(--blue);font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.text-link{display:block;margin-top:12px;font-weight:800;text-decoration:none}.notice-box{margin-top:18px;padding:15px 17px;border-left:4px solid #d29a25;border-radius:12px;background:#fff9ec;color:#66572e;line-height:1.6}.faq-simple-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:20px}.faq-simple-grid details{border:1px solid var(--line);border-radius:14px;background:#f8fbfe;overflow:hidden}.faq-simple-grid summary{padding:15px 17px;cursor:pointer;color:var(--navy);font-weight:800}.faq-simple-grid details[open]{background:#fff}.faq-simple-grid p{margin:0;padding:0 17px 16px;color:var(--muted);font-size:14px;line-height:1.62}.adviser-section{display:grid;grid-template-columns:1.08fr .92fr;gap:22px;align-items:center;background:linear-gradient(135deg,#f2f8fe,#fff)}.adviser-copy h2{margin:6px 0 9px;color:var(--navy);font-size:30px}.adviser-copy p{color:var(--muted);line-height:1.65}.adviser-copy small{display:block;margin-top:13px;color:#67798a;line-height:1.5}.adviser-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.adviser-visual{margin:0}.adviser-visual img{width:100%;height:auto;display:block;border-radius:18px}.legal-source-links{display:grid;grid-template-columns:repeat(5,1fr);gap:9px;margin-top:16px}.legal-source-links a{padding:14px;border:1px solid var(--line);border-radius:13px;background:#f8fbfe;text-decoration:none}.legal-source-links strong,.legal-source-links span{display:block}.legal-source-links strong{color:var(--navy)}.legal-source-links span{margin-top:4px;color:var(--muted);font-size:11px;line-height:1.4}.legal-disclaimer{margin:16px 0 0;padding:13px 15px;border-radius:12px;background:#eef6ff;color:#435c72;font-size:13px;line-height:1.58}
@media(max-width:960px){.insolvency-hero{grid-template-columns:1fr}.insolvency-hero-visual{height:250px;order:-1}.insolvency-hero-visual:after{background:linear-gradient(180deg,transparent 55%,rgba(13,60,97,.28))}.insolvency-compare{grid-template-columns:1fr 180px 1fr}.decision-grid{grid-template-columns:1fr 1fr}.process-grid{grid-template-columns:1fr 1fr}.legal-source-links{grid-template-columns:1fr 1fr}.money-feature-grid,.adviser-section{grid-template-columns:1fr}}
@media(max-width:700px){.insolvency-page{width:min(100% - 18px,1100px);margin-top:18px}.insolvency-hero-copy,.insolvency-section{padding:22px}.insolvency-hero-visual{height:200px}.insolvency-compare{grid-template-columns:1fr}.insolvency-road-sign{order:2}.regular-choice{order:3}.decision-grid,.process-grid,.plain-info-grid,.faq-simple-grid,.legal-source-links{grid-template-columns:1fr}.money-feature{grid-template-columns:1fr}.money-feature img{max-height:250px;aspect-ratio:16/9}.adviser-actions{display:grid}.adviser-actions .btn{width:100%}}
@media print{.insolvency-hero-visual,.insolvency-road-sign,.money-feature img,.adviser-visual,.adviser-actions,.site-header,.site-footer{display:none!important}.insolvency-page{width:100%;margin:0}.insolvency-hero{display:block;background:#fff;color:#000;border:1px solid #bbb;box-shadow:none}.insolvency-hero h1,.insolvency-hero p{color:#000}.insolvency-section{box-shadow:none;break-inside:avoid}.insolvency-compare,.process-grid,.plain-info-grid{grid-template-columns:1fr 1fr}.legal-source-links{grid-template-columns:1fr 1fr}}

/* Nick01 Portal-Navigation: schlankes Hauptmenü + Themen-Hubs */
.nav-dropdown{position:relative}
.nav-dropdown>summary{list-style:none;padding:11px 12px;border-radius:11px;color:#193550;font-weight:700;font-size:15px;cursor:pointer;white-space:nowrap;user-select:none}
.nav-dropdown>summary::-webkit-details-marker{display:none}
.nav-dropdown>summary:after{content:"▾";display:inline-block;margin-left:6px;font-size:11px;transition:transform .18s ease}
.nav-dropdown[open]>summary:after{transform:rotate(180deg)}
.nav-dropdown>summary:hover,.nav-dropdown>summary:focus-visible,.nav-dropdown[open]>summary{background:#eef6ff;outline:none}
.nav-dropdown-menu{position:absolute;right:0;top:calc(100% + 8px);z-index:1001;min-width:260px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:15px;box-shadow:0 18px 45px rgba(13,60,97,.16)}
.nav-dropdown-menu a{display:block;padding:10px 12px;border-radius:9px;font-size:14px;line-height:1.35;white-space:nowrap}
.nav-dropdown-menu a:hover,.nav-dropdown-menu a:focus-visible{background:#eef6ff;outline:none}
.footer-grid-portal{grid-template-columns:1.55fr repeat(4,1fr);gap:30px;width:min(1220px,calc(100% - 32px))}
.footer-grid-portal strong{color:#fff;font-size:15px;margin-bottom:3px}
.footer-grid-portal a{font-size:14px;line-height:1.35}
.footer-grid-portal a:hover,.footer-grid-portal a:focus-visible{text-decoration:underline;outline:none}
.footer-about{padding-right:8px}
@media(max-width:1100px){.brand img{width:280px}.mainnav{gap:3px}.mainnav a,.nav-dropdown>summary{padding:10px 8px;font-size:14px}.footer-grid-portal{grid-template-columns:1.5fr 1fr 1fr;}.footer-about{grid-row:span 2}}
@media(max-width:860px){.nav-dropdown{width:100%}.nav-dropdown>summary{padding:11px 12px}.nav-dropdown-menu{position:static;min-width:0;margin-top:4px;padding:5px 0 5px 12px;border:0;border-left:2px solid #dbe8f3;border-radius:0;box-shadow:none}.nav-dropdown-menu a{white-space:normal}.footer-grid-portal{grid-template-columns:1fr}.footer-about{grid-row:auto}.mainnav>a{width:100%}}

/* Nick01 Schuldenhilfe: ruhige Ratgeberseite mit sichtbaren Bildankern */
.debt-help-page{display:grid;gap:24px}.debt-help-hero{display:grid;grid-template-columns:1.12fr .88fr;align-items:stretch;overflow:hidden;border-radius:26px;background:linear-gradient(135deg,#0d3c61,#1e73be);box-shadow:var(--shadow);color:#fff}.debt-help-hero-copy{padding:42px 40px}.debt-help-hero h1{margin:8px 0 14px;color:#fff;font-size:clamp(34px,4.5vw,52px);line-height:1.08}.debt-help-hero p{margin:0;max-width:760px;font-size:18px;line-height:1.64;color:#eef7ff}.debt-help-hero-visual{margin:0;min-height:100%;position:relative}.debt-help-hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#1c69a8 0,rgba(28,105,168,.18) 28%,transparent 56%);pointer-events:none}.debt-help-hero-visual img{width:100%;height:100%;object-fit:cover;display:block}.debt-step-grid .debt-step-cta{background:linear-gradient(135deg,#effaf3,#fff);border-color:#cfe7d7}.debt-priority-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}.debt-priority-grid article{padding:20px;border:1px solid var(--line);border-radius:17px;background:#fff}.debt-priority-grid article>span{display:grid;place-items:center;width:44px;height:44px;border-radius:14px;background:#eef6ff;font-size:22px}.debt-priority-grid h3,.debt-solution-grid h3,.debt-counselling-grid h3{margin:12px 0 7px;color:var(--navy);font-size:19px}.debt-priority-grid p,.debt-solution-grid p,.debt-counselling-grid p{margin:0;color:var(--muted);font-size:14px;line-height:1.62}.debt-overview-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:20px;align-items:stretch;margin-top:22px}.debt-overview-list{display:grid;grid-template-columns:1fr 1fr;gap:10px}.debt-overview-list>div{padding:17px;border:1px solid var(--line);border-radius:15px;background:#f8fbfe}.debt-overview-list strong,.debt-overview-list span{display:block}.debt-overview-list strong{color:var(--navy);margin-bottom:5px}.debt-overview-list span{color:var(--muted);font-size:13px;line-height:1.5}.debt-overview-visual{margin:0;min-height:100%}.debt-overview-visual img{width:100%;height:100%;max-height:380px;object-fit:cover;border-radius:18px;display:block}.debt-solution-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}.debt-solution-grid article{padding:20px;border:1px solid var(--line);border-radius:17px;background:#fff}.debt-solution-grid article>strong{display:block;margin:12px 0 4px;color:#334d63;font-size:13px}.debt-counselling-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:22px}.debt-counselling-grid article{padding:22px;border:1px solid var(--line);border-radius:18px;background:#fff}.debt-adviser-section{margin-top:0}.debt-source-links{grid-template-columns:repeat(4,1fr)}
@media(max-width:960px){.debt-help-hero{grid-template-columns:1fr}.debt-help-hero-visual{height:250px;order:-1}.debt-help-hero-visual:after{background:linear-gradient(180deg,transparent 55%,rgba(13,60,97,.28))}.debt-priority-grid,.debt-solution-grid{grid-template-columns:1fr 1fr}.debt-overview-grid{grid-template-columns:1fr}.debt-counselling-grid{grid-template-columns:1fr}.debt-source-links{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.debt-help-page{width:min(100% - 18px,1100px);margin-top:18px}.debt-help-hero-copy{padding:22px}.debt-help-hero-visual{height:200px}.debt-priority-grid,.debt-solution-grid,.debt-overview-list,.debt-source-links{grid-template-columns:1fr}.debt-overview-visual img{max-height:260px}.debt-help-hero .hero-actions{display:grid}.debt-help-hero .btn{width:100%}}
@media print{.debt-help-hero-visual,.debt-overview-visual,.debt-help-page .money-feature img,.debt-help-page .adviser-visual,.debt-help-page .adviser-actions{display:none!important}.debt-help-page{width:100%;margin:0}.debt-help-hero{display:block;background:#fff;color:#000;border:1px solid #bbb;box-shadow:none}.debt-help-hero h1,.debt-help-hero p{color:#000}.debt-priority-grid,.debt-solution-grid,.debt-counselling-grid{grid-template-columns:1fr 1fr}}


/* Native FAQ accordions: JS-unabhaengig */
details.faq-item > summary.faq-question{list-style:none;-webkit-user-select:none;user-select:none}
details.faq-item > summary.faq-question::-webkit-details-marker{display:none}
details.faq-item > .faq-answer{display:none}
details.faq-item[open] > .faq-answer{display:block!important}
details.faq-item[open] > summary.faq-question::after{content:"–"!important}