@charset "UTF-8";
:root{--blue:#175cd3;--navy:#142f53;--ink:#20344b;--muted:#5a6e84;--pale:#f0f6ff;--line:#dce5ef;--white:#fff;font-family:Inter,"Segoe UI",Arial,sans-serif;color:var(--ink);background:white;font-synthesis:none;scroll-behavior:smooth}*{box-sizing:border-box}body{margin:0;font-size:16px;line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:5px}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #df971c;outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);line-height:1.18;letter-spacing:-.035em}h1{font-size:clamp(38px,4.2vw,64px);font-weight:650;margin-bottom:24px}h2{font-size:clamp(29px,3vw,40px);font-weight:650;margin-bottom:20px}h3{font-size:22px;font-weight:650}p{margin-bottom:20px}em{font-style:normal;color:var(--blue)}.wrap{width:min(1200px,calc(100% - 80px));margin:auto}.topbar{font-size:12px;background:#f2f6fb;color:#536a83;border-bottom:1px solid #e8edf4}.topbar .wrap{display:flex;justify-content:space-between;padding:8px 0}.topbar a{color:inherit}header{background:white;border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:98px}.brand{display:flex;align-items:center;gap:11px;color:var(--navy);font-size:20px;font-weight:700;letter-spacing:-.6px;line-height:1.3;white-space:nowrap}.brand:hover{text-decoration:none}.brand-domain{color:var(--blue);font-weight:450}.brand small{display:block;font-size:8px;letter-spacing:1.7px;font-weight:600;margin-top:5px;color:#63768b}nav{display:flex;gap:29px;align-items:center;font-size:14px;font-weight:550}nav>a{color:var(--ink)}nav>a[aria-current]{color:var(--blue)}.nav-cta{border:1px solid #aec8ee;padding:10px 18px;border-radius:7px;color:var(--blue);display:flex;gap:24px}.menu-button{display:none}.hero{display:grid;grid-template-columns:1.2fr 1fr;align-items:center;gap:30px;padding-top:70px;padding-bottom:65px}.eyebrow{font-size:11px;letter-spacing:1.7px;font-weight:700;color:var(--blue);display:block;margin-bottom:20px}.eyebrow i{display:inline-block;width:7px;height:7px;background:var(--blue);border-radius:50%;margin-right:8px;vertical-align:1px}.lead{font-size:18px;line-height:1.8;color:var(--muted);max-width:610px}.hero .lead{max-width:520px}.actions{display:flex;gap:25px;align-items:center;flex-wrap:wrap;margin:30px 0}.button{display:inline-flex;justify-content:center;align-items:center;gap:24px;color:white;background:var(--blue);padding:14px 22px;border:1px solid var(--blue);border-radius:7px;cursor:pointer;font-size:14px;font-weight:650;line-height:1.5}.button:hover{background:#104aaf;text-decoration:none}.textlink{font-size:14px;font-weight:650}.hero-meta{display:flex;flex-wrap:wrap;gap:23px;font-size:12px;color:#60748a;margin-top:25px}.visual{position:relative;padding:10px}.hero-art{width:100%;height:auto;display:block}.visual-caption{font-size:12px;display:flex;justify-content:center;align-items:center;gap:10px;margin-top:8px;color:#5b728b}.dot{display:inline-block;background:#378365;width:6px;height:6px;border-radius:100%}.trust{background:#f7f9fc;border-block:1px solid #e8edf4}.trust>.wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:19px;color:#63778f;font-size:12px}.trust span:first-child{font-size:10px;font-weight:700;letter-spacing:1.2px;color:#244c7b}.section{padding-block:74px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:30px}.section-head p{font-size:14px;color:var(--muted);margin-bottom:8px}.section-head h2{margin-bottom:0}.section-head .eyebrow{margin-bottom:13px}.topics{display:grid;grid-template-columns:repeat(6,1fr);gap:18px}.topic{grid-column:span 2;display:flex;flex-direction:column;border:1px solid var(--line);border-radius:10px;padding:26px;color:var(--ink);transition:transform .2s,box-shadow .2s;background:#fff}.topic:nth-child(4),.topic:nth-child(5){grid-column:span 3}.topic:hover{text-decoration:none;transform:translateY(-4px);box-shadow:0 12px 25px #163c7410;border-color:#91b7ed}.num{font-size:10px;color:var(--blue);font-weight:700;letter-spacing:1.4px;margin-bottom:22px}.topic h3{font-size:22px;max-width:290px;line-height:1.35}.topic p{font-size:14px;color:var(--muted)}.arrow{font-size:12px;color:var(--blue);margin-top:auto;padding-top:13px;font-weight:650}.calc-promo{background:var(--pale);border-radius:15px;padding:48px 60px;display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:center}.calc-promo p{max-width:440px;color:var(--muted);font-size:15px}.receipt{display:block;background:white;border:1px solid #dce8f9;box-shadow:0 20px 45px #193f7210;border-radius:10px;padding:28px;color:var(--ink);transform:rotate(-2deg)}.receipt:hover{text-decoration:none;transform:rotate(0)}.receipt>span:first-child{font-size:10px;color:var(--muted);letter-spacing:1.3px}.receipt-row{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding-block:17px;font-size:12px}.receipt-total{padding-block:17px;display:flex;align-items:center;justify-content:space-between;gap:10px}.receipt-total strong{font-size:37px;color:var(--blue);line-height:1.3}.receipt-total small{font-size:11px}.receipt p{font-size:11px;margin-bottom:12px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:40px}.three article{border-top:1px solid var(--line);padding-top:22px}.three p{font-size:15px;color:var(--muted)}.mini-icon{color:var(--blue);font-size:12px;display:block;margin-bottom:25px}.editorial{padding:45px 0 65px;border-top:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr;gap:80px}.editorial h2{font-size:30px}.editorial p{font-size:15px;color:var(--muted)}footer{background:#f4f7fb;border-top:1px solid var(--line);margin-top:25px}.footer-top{padding:50px 0;display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr;gap:30px}.footer-top .brand{font-size:17px}.footer-top p{font-size:13px;color:var(--muted);margin-top:20px}.footer-top h3{font-size:13px;letter-spacing:0}.footer-top>div>a:not(.brand){display:block;font-size:12px;color:#5a6e84;margin:8px 0}.footer-tag{display:inline-block;background:#e7eef8;border-radius:5px;font-size:10px;padding:5px 9px;color:#46668e;margin-top:12px}.footer-bottom{display:flex;justify-content:space-between;gap:15px;border-top:1px solid var(--line);padding-block:20px;font-size:10px;color:#698096}.draft-banner{background:#e7edf6;font-size:11px;text-align:center;padding:9px 20px;color:#516986}.page-head{padding-top:45px;padding-bottom:35px}.crumb{font-size:12px;color:#647a92;display:block;margin-bottom:35px}.page-head h1{max-width:900px}.page-head .lead{max-width:800px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:90px;padding-bottom:70px}.prose{font-size:16px}.prose h2{font-size:28px;margin-top:38px}.prose h2:first-child{margin-top:12px}.prose ul,.prose ol{padding-left:24px;margin-bottom:28px}.prose li{margin-bottom:12px}.note{background:var(--pale);border-left:3px solid var(--blue);padding:22px 25px;margin-block:27px;border-radius:0 7px 7px 0}.note>b{color:var(--navy);font-size:15px}.note p{font-size:14px;margin:8px 0 0;color:#47617c}.sidebar{align-self:start;background:#f7f9fc;border:1px solid var(--line);border-radius:10px;padding:25px}.sidebar>p{font-size:13px;color:var(--muted)}.sidebar .button{width:100%}.sidebar h3{font-size:23px}.sources{margin-top:30px}.sources h3{font-size:15px;letter-spacing:0}.sources a{display:block;font-size:12px;padding:8px 0;border-bottom:1px solid var(--line);overflow-wrap:anywhere}.sidebar .small{font-size:11px;margin-top:25px}.source-list a{font-size:14px}table{width:100%;border-collapse:collapse;font-size:14px;margin:25px 0}th,td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line);padding:14px 12px}th{background:var(--pale)}td:first-child{width:32%;font-weight:600}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-weight:650;color:var(--navy)}details p{font-size:15px;color:var(--muted);margin:14px 0 0}.calc-tabs{display:flex;gap:8px;border-bottom:1px solid var(--line);margin-top:35px;flex-wrap:wrap}.calc-tabs a{font-size:14px;padding:13px 20px;color:var(--muted);border-bottom:3px solid transparent}.calc-tabs a.active{color:var(--blue);border-color:var(--blue);background:var(--pale);border-radius:6px 6px 0 0}.calc-section{padding:5px 0 30px;scroll-margin-top:25px}.calc-intro{max-width:820px;margin-bottom:27px}.calc-intro .eyebrow{margin-bottom:10px}.calc-intro p{font-size:14px;color:var(--muted)}.calculator{display:grid;grid-template-columns:1.1fr 1fr;border:1px solid var(--line);border-radius:12px;overflow:hidden;align-items:start;background:#f0f6ff}.calc-form{background:#fff;padding:35px 40px;display:flex;flex-direction:column}.calc-form h3{margin-bottom:10px}.calc-form label:not(.check){font-size:13px;font-weight:650;margin:20px 0 7px;color:var(--navy)}input:not([type=checkbox]),select{width:100%;max-width:100%;padding:12px 13px;border:1px solid #bdcce0;border-radius:6px;background:white;color:var(--ink);font-size:15px;min-height:48px}input[type=checkbox]{width:19px;height:19px;flex-shrink:0;accent-color:var(--blue)}.calc-form small{font-size:11px;color:var(--muted);line-height:1.6;margin-top:7px}.calc-form .button{margin-top:28px}.check{display:flex;align-items:flex-start;gap:10px;font-size:12px;line-height:1.6;margin-top:25px}.result{padding:35px 40px;position:sticky;top:20px;overflow-wrap:anywhere}.result .big{font-size:48px;color:var(--blue);line-height:1.15;letter-spacing:-2px;margin:18px 0 7px;font-weight:650}.result .sub{font-size:12px;color:var(--muted)}.result p,.result li{font-size:13px}.result h3{font-size:23px}.result h4{font-size:14px;margin-bottom:12px}.result .row{display:flex;justify-content:space-between;gap:20px;font-size:13px;border-bottom:1px solid #d5e1f2;padding:13px 0}.result .row strong{white-space:nowrap}.result .explain{font-size:12px;border-top:1px solid #cbdcf2;padding-top:18px;margin-top:22px;line-height:1.8}.result ul{padding-left:20px}.result .status{display:inline-block;font-size:11px;color:#255a43;background:#e2f0e9;padding:6px 10px;border-radius:5px;margin-bottom:20px}.result .status.warn{color:#795312;background:#fcf0d7}.result .status.stop{color:#8c3c33;background:#f9e6e4}.result .note{padding:16px;background:#fff}.result .eyebrow{font-size:10px}.skip{position:fixed;left:20px;top:-100px;z-index:100;background:var(--blue);color:white;padding:10px 20px}.skip:focus{top:10px}[hidden]{display:none!important}
@media(min-width:1500px){.hero{padding-top:85px;padding-bottom:85px}}
@media(max-width:1100px){.wrap{width:calc(100% - 48px)}.header-inner{gap:15px}.brand{font-size:17px}nav{gap:20px;font-size:12px}.hero{gap:0}.hero h1{font-size:49px}.calc-promo{gap:35px;padding:40px}.article-layout{grid-template-columns:minmax(0,1fr) 270px;gap:35px}.footer-top{gap:20px}.footer-top .brand{font-size:14px}.brand small{font-size:7px;letter-spacing:1.2px}}
@media(max-width:800px){.wrap{width:calc(100% - 40px)}.header-inner{min-height:80px;flex-wrap:wrap;position:relative}.brand{font-size:18px}.menu-button{display:block;background:white;border:1px solid var(--line);border-radius:6px;padding:7px 12px;color:var(--navy);font-size:22px;cursor:pointer}#main-nav{display:none;flex-basis:100%;padding:10px 0 20px;align-items:stretch;gap:5px}#main-nav.open{display:flex;flex-direction:column}#main-nav>a{padding:12px;font-size:14px}.hero{padding-top:45px;padding-bottom:40px;grid-template-columns:1.25fr 1fr}.hero h1{font-size:39px}.hero .lead{font-size:15px}.hero .actions{gap:16px}.visual-caption{font-size:10px}.hero-meta{font-size:10px;gap:10px}.trust>.wrap{flex-wrap:wrap;justify-content:center;font-size:10px;gap:12px 25px}.section{padding-block:50px}.section-head{align-items:start}.section-head p{max-width:220px}.topic{grid-column:span 3!important;padding:22px}.topic:last-child{grid-column:span 6!important}.calc-promo{padding:30px;gap:30px}.calc-promo h2{font-size:30px}.receipt{padding:20px}.receipt-row{font-size:11px}.three{gap:25px}.three h3{font-size:19px}.editorial{gap:30px}.editorial h2{font-size:26px}.footer-top{grid-template-columns:1fr 1fr;gap:30px}.footer-bottom{flex-direction:column;gap:5px}.article-layout{grid-template-columns:1fr}.sidebar{position:static}.calculator{grid-template-columns:1fr 1fr}.calc-form,.result{padding:25px}.result .big{font-size:39px}.page-head h1{font-size:43px}}
@media(max-width:580px){.wrap{width:calc(100% - 36px)}.topbar .wrap>span{display:none}.topbar .wrap{justify-content:center}.brand{font-size:17px}.brand small{font-size:6.5px;letter-spacing:1px}.brand img{width:36px;height:36px}.header-inner{min-height:76px}.hero{display:flex;flex-direction:column;align-items:stretch;gap:10px;padding-top:35px}.hero h1{font-size:43px;line-height:1.14}.hero .lead{font-size:16px}.hero .eyebrow{font-size:9px;margin-bottom:20px}.actions{margin-block:25px}.hero-meta{font-size:11px;gap:20px;margin-top:20px}.visual{max-width:330px;margin:auto;padding-top:10px}.visual-caption{font-size:11px}.trust>.wrap{padding-block:15px}.trust span:first-child{flex-basis:100%;text-align:center}.trust span:last-child{display:none}.section-head{display:block;margin-bottom:25px}.section-head p{margin-top:16px;max-width:none}.topics{display:block}.topic{margin-bottom:13px;padding:24px}.num{margin-bottom:15px}.topic h3{font-size:23px;max-width:310px}.topic p{margin-bottom:8px}.topic .arrow{padding-top:15px}.calc-promo{display:block;padding:28px 24px;width:calc(100% - 36px)}.calc-promo h2{font-size:33px}.receipt{margin-top:35px;padding:23px}.three{grid-template-columns:1fr;gap:18px;margin-top:25px}.three article{padding-top:18px}.mini-icon{margin-bottom:15px}.three p{margin-bottom:5px}.editorial{grid-template-columns:1fr;gap:10px;padding-top:30px;padding-bottom:35px}.editorial h2{font-size:29px}.footer-top{grid-template-columns:1fr 1fr;padding-block:35px;gap:30px 15px}.footer-top>div:first-child{grid-column:span 2}.footer-top .brand{font-size:19px}.footer-top h3{font-size:14px}.footer-top>div>a:not(.brand){font-size:13px}.page-head{padding-top:27px;padding-bottom:25px}.crumb{margin-bottom:27px}.page-head h1{font-size:38px}.page-head .lead{font-size:16px}.page-head .eyebrow{font-size:9px}.article-layout{padding-bottom:35px}.prose h2{font-size:26px}.prose{font-size:15px}.note{padding:18px}.calculator{grid-template-columns:1fr}.calc-form,.result{padding:25px}.result{position:static;border-top:1px solid var(--line)}.calc-tabs{gap:0;margin-top:25px}.calc-tabs a{font-size:11px;padding:12px 9px;flex:1;text-align:center}.calc-intro h2{font-size:29px}.result .big{font-size:45px}table{font-size:12px}td,th{padding:10px 7px}td:first-child{width:35%}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}*{transition:none!important}}
@media print{header,.topbar,footer,.calc-tabs,.calc-form,.sidebar,.actions{display:none}.wrap{width:100%}.calculator,.article-layout{display:block;border:0}.result{position:static}.page-head{padding-top:0}h1{font-size:30px}.calc-section[hidden]{display:none!important}a{color:inherit}.note{break-inside:avoid}}
/* Portal expansion: navigation, searchable knowledge library, legal chapters. */
.scope-strip{display:flex;justify-content:space-between;gap:20px;padding:0 0 28px;font-size:13px;color:var(--muted)}.scope-strip a{font-weight:650}.header-inner nav{gap:19px}.topic-library{padding-bottom:70px}.topic-library .topic{grid-column:span 2}.topic[hidden]{display:none!important}.search-label{display:block;font-size:13px;font-weight:650;margin:30px 0 8px}#topic-search{max-width:700px;background:#f7f9fc}.filter-bar{display:flex;gap:9px;flex-wrap:wrap;margin-top:20px}.filter-bar button{padding:9px 16px;background:#fff;border:1px solid var(--line);border-radius:24px;font-size:13px;color:var(--ink);cursor:pointer}.filter-bar button[aria-pressed=true]{background:var(--blue);border-color:var(--blue);color:white}#search-count{font-size:12px;color:var(--muted);margin:18px 0 0}.legal-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px}.legal-grid>a{color:var(--ink);background:#f5f8fc;border:1px solid var(--line);padding:32px;border-radius:12px}.legal-grid>a:hover{background:var(--pale);text-decoration:none}.legal-grid span{font-size:10px;letter-spacing:1.5px;color:var(--blue)}.legal-grid h3{margin-top:18px}.legal-grid p{font-size:15px;color:var(--muted)}.legal-grid b{color:var(--blue);font-size:13px}.pro-promo{padding:40px 48px;background:var(--navy);border-radius:13px;display:flex;align-items:center;justify-content:space-between;gap:25px;margin-bottom:70px}.pro-promo h2{color:white;font-size:31px}.pro-promo .eyebrow{color:#adcfff}.pro-promo p{color:#c6d5e6;font-size:14px;margin:0}.pro-promo .button{background:white;color:var(--blue);white-space:nowrap}.timeline{display:grid;grid-template-columns:repeat(3,1fr);margin:32px 0;border-top:2px solid var(--blue);gap:15px}.timeline>div{position:relative;padding-top:20px}.timeline>div:before{content:'';position:absolute;top:-6px;width:10px;height:10px;background:var(--blue);border-radius:50%}.timeline b{display:block;color:var(--navy)}.timeline span{font-size:12px;color:var(--muted);display:block;margin-top:8px}.related{margin-top:35px;padding:24px;background:var(--pale);border-radius:8px}.related h2{font-size:22px}.related a{display:block;font-size:14px;padding:7px 0}.access-card{border:1px solid var(--line);background:var(--pale);padding:30px;border-radius:12px}.prose .three{gap:20px}.prose .three h3{font-size:19px}.prose .three p{font-size:14px}@media(max-width:1000px){.header-inner{flex-wrap:wrap;padding-block:18px}.header-inner nav{gap:15px}.topic-library .topic{grid-column:span 3}.pro-promo{padding:32px}.article-layout{gap:30px}}@media(max-width:700px){.scope-strip{flex-direction:column;gap:7px}.topic-library .topic{grid-column:1/-1}.legal-grid{grid-template-columns:1fr}.pro-promo{flex-direction:column;align-items:start;padding:28px;margin-bottom:40px}.pro-promo h2{font-size:27px}.prose .three{grid-template-columns:1fr;gap:0}.timeline{grid-template-columns:1fr;border-top:0;border-left:2px solid var(--blue);padding-left:18px}.timeline>div{padding:0 0 12px}.timeline>div:before{top:8px;left:-24px}.header-inner{flex-wrap:nowrap}nav#main-nav.open{gap:8px}.filter-bar button{font-size:12px;padding:8px 12px}.legal-grid>a{padding:25px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{header,.topbar,footer,.sidebar,.actions,.filter-bar{display:none}.wrap{width:100%}.article-layout{display:block}.page-head{padding:0}a{color:inherit}.note{break-inside:avoid}}
@media(max-width:580px){.hero h1{font-size:34px;line-height:1.2}}
/* Kassenvergleich */
.compare-head .lead{max-width:800px}.compare-head h1{max-width:1000px}.compare-head .small,.compare-controls .small{font-size:12px;color:var(--muted);max-width:960px}.compare-facts{display:flex;gap:32px;flex-wrap:wrap;margin:30px 0 20px}.compare-facts span{font-size:12px;color:var(--muted)}.compare-facts b{font-size:20px;color:var(--navy);display:block}.compare-controls{background:#f5f8fc;padding:30px;border:1px solid var(--line);border-radius:13px}.compare-controls h2{font-size:27px}.compare-input-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.compare-input-grid label{display:block;font-size:12px;font-weight:650;margin-bottom:8px;color:var(--navy)}.compare-input-grid small{display:block;font-size:11px;line-height:1.5;color:var(--muted);margin-top:8px}.compare-budget{border-bottom:0;margin-top:20px}.compare-budget .compare-input-grid{margin-top:20px}.compare-submit{align-self:start;padding-top:28px}.compare-submit .button{font-size:12px;padding:12px;gap:8px;width:100%}#c-basis-note{display:block;font-size:11px;color:var(--muted);margin-top:10px}.compare-special{align-items:center;margin-top:12px}.compare-results-head{display:flex;align-items:center;justify-content:space-between;gap:20px;margin:30px 0 20px}.compare-results-head p{margin:0;font-size:14px;font-weight:650}.quiet-button{background:transparent;color:var(--blue);border:0;cursor:pointer;font-size:13px;padding:8px}.quiet-button:hover{text-decoration:underline}.compare-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;align-items:start}.insurer-card{border:1px solid var(--line);border-radius:12px;padding:24px;background:white;min-width:0}.insurer-card h3{font-size:22px;letter-spacing:-.02em;margin:22px 0 9px}.insurer-top{display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap}.insurer-tag{font-size:9px;text-transform:uppercase;letter-spacing:.65px;background:var(--pale);padding:5px 8px;border-radius:4px;color:var(--blue)}.pick-insurer{font-size:11px;display:flex;align-items:center;gap:5px;cursor:pointer}.pick-insurer input{width:16px;height:16px}.opening{font-size:11px;color:var(--muted);line-height:1.6;margin-bottom:15px}.insurer-price{display:flex;align-items:baseline;gap:10px;padding:12px 0 22px}.insurer-price strong{font-size:38px;font-weight:650;letter-spacing:-1px;color:var(--blue);line-height:1.2}.insurer-price span{font-size:11px;color:var(--muted)}.insurer-cost{border-block:1px solid var(--line);padding:12px 0}.insurer-cost>div{display:flex;justify-content:space-between;align-items:center;gap:10px;margin:8px 0;font-size:11px}.insurer-cost b{font-size:12px;text-align:right}.saving{color:#236944}.insurer-highlights{display:flex;gap:6px;flex-wrap:wrap;margin:20px 0 7px}.insurer-highlights span{border:1px solid var(--line);border-radius:4px;padding:4px 6px;font-size:10px}.insurer-card details{font-size:12px;padding:14px 0}.insurer-card summary{font-size:12px;letter-spacing:0}.benefit-list,.service-list{padding-left:17px;font-size:12px;line-height:1.65}.benefit-list li,.service-list li{margin:14px 0}.benefit-list p{margin:5px 0;font-size:12px}.benefit-list a,.service-list a{font-size:11px}.service-assessment{font-size:12px!important;background:var(--pale);padding:14px;border-radius:6px}.service-assessment b{display:block;margin-bottom:7px;color:var(--navy)}.insurer-source{display:flex;flex-direction:column;gap:4px;font-size:10px;margin-top:20px;margin-bottom:12px;color:var(--muted)}.insurer-card>a{font-size:11px}.unreviewed{font-size:12px!important;color:var(--muted);margin-top:18px}.compare-selection{background:var(--navy);color:white;border-radius:9px;padding:20px 25px;display:flex;align-items:center;justify-content:space-between;gap:20px;margin:22px 0}.compare-selection[hidden]{display:none}.selected-names{display:flex;gap:6px;flex-wrap:wrap;margin-top:12px}.selected-names button{background:#ffffff16;color:white;border:1px solid #ffffff40;font-size:11px;padding:6px 9px;border-radius:5px;cursor:pointer}.selection-actions{display:flex;gap:10px;align-items:center;flex-wrap:wrap}.selection-actions .quiet-button{color:white}.selection-actions .button{white-space:nowrap}.button:disabled{opacity:.55;cursor:not-allowed}#c-direct{margin:35px 0 45px;scroll-margin-top:20px}#c-direct h2{font-size:28px}.direct-scroll{overflow:auto;border:1px solid var(--line);border-radius:10px}.direct-table{margin:0;min-width:760px;table-layout:fixed}.direct-table caption{text-align:left;padding:15px;font-size:12px;color:var(--muted)}.direct-table td,.direct-table th{font-size:12px;min-width:200px;padding:17px;overflow-wrap:anywhere}.direct-table td:first-child{width:auto;font-weight:400}.direct-table th:first-child{width:150px}.direct-table th[scope=row]{background:#f7f9fc}.direct-table .service-list,.direct-table .benefit-list{margin:0}#c-more{display:block;margin:30px auto}#c-more[hidden]{display:none}.compare-method{padding:65px 0 40px}.compare-method .three{margin-top:20px}.compare-method details{font-size:14px}.compare-method>p{font-size:13px;margin-top:25px}#c-validation{background:#fff3d7;border-left:3px solid #ad6a00;padding:15px;font-size:13px;margin-top:15px}.comparison-promo{background:var(--pale);border-radius:12px;display:flex;justify-content:space-between;align-items:center;padding:40px 45px;gap:40px;margin-bottom:60px}.comparison-promo p{max-width:600px;color:var(--muted);font-size:15px}.comparison-promo .button{white-space:nowrap}.header-inner nav{gap:15px;font-size:13px}
@media(max-width:1100px){.compare-input-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.compare-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.header-inner{flex-wrap:wrap}.comparison-promo{flex-direction:column;align-items:start}.header-inner nav{gap:18px}}@media(max-width:700px){.compare-cards,.compare-input-grid{grid-template-columns:1fr}.compare-controls{padding:22px}.compare-submit{padding-top:0}.compare-selection{align-items:start;flex-direction:column;padding:20px}.compare-facts{gap:18px}.compare-results-head{align-items:start}.compare-head h1{font-size:34px}.compare-method{padding-top:45px}.header-inner{flex-wrap:nowrap}.comparison-promo{padding:27px}.compare-results-head p{font-size:12px}.insurer-card{padding:22px}.compare-input-grid{gap:18px}}

/* Ausführliche Fachartikel */
.article-meta{display:flex;gap:10px 22px;flex-wrap:wrap;font-size:12px;color:var(--muted);padding-top:10px}.researched-head .lead{max-width:820px}.researched-layout{grid-template-columns:minmax(0,1fr) 280px;gap:55px}.researched-article{min-width:0;max-width:820px}.researched-article h2{font-size:29px;line-height:1.27;margin-top:0}.researched-article h3{font-size:22px;line-height:1.4;margin-top:27px}.article-section{margin-top:42px;scroll-margin-top:28px}.article-section p,.article-section li{line-height:1.85}.article-section li+li{margin-top:9px}.article-section a,.article-sources a{overflow-wrap:anywhere;text-decoration:underline;text-underline-offset:3px}.article-section li>p{margin-bottom:9px}.article-toc{background:var(--pale);border:1px solid var(--line);padding:22px 26px;border-radius:12px;margin:0 0 40px}.article-toc summary{font-size:18px;font-weight:700}.article-toc ol{margin-bottom:0;padding-left:22px}.article-toc li{padding:4px 0;font-size:14px}.article-navigation{position:sticky;top:20px;max-height:calc(100vh - 40px);overflow-y:auto;background:#f7f9fc;padding:23px;border:1px solid var(--line);border-radius:12px}.article-navigation ol{padding-left:19px;font-size:12px;line-height:1.65;margin:0 0 25px}.article-navigation li+li{margin-top:10px}.article-navigation .button{display:flex;font-size:12px;margin-bottom:14px}.article-navigation>.small{font-size:12px}.article-sources{border-top:2px solid var(--line);padding-top:30px;margin-top:50px;scroll-margin-top:25px}.article-sources li{font-size:13px;margin-bottom:13px}.article-sources p{font-size:14px;color:var(--muted)}.article-table{overflow-x:auto;margin:24px 0;border:1px solid var(--line);border-radius:8px}.article-table table{margin:0;min-width:530px;table-layout:auto}.article-table th,.article-table td{vertical-align:top}.article-table td:first-child{width:auto}.editorial-note{font-size:13px;margin-top:30px}.practice-case{padding:23px;background:#f1f6fd;border-left:4px solid var(--blue);border-radius:0 8px 8px 0;margin:25px 0}.practice-case h3{margin-top:0}.article-section blockquote{padding:15px 22px;margin:25px 0;border-left:3px solid var(--blue);background:#f7f9fc}.article-section code{overflow-wrap:anywhere}.article-section :target{scroll-margin-top:30px}
@media(max-width:1000px){.researched-layout{grid-template-columns:1fr}.article-navigation{display:none}.researched-article{max-width:100%}}@media(max-width:580px){.article-toc{padding:18px}.article-toc li{font-size:13px}.article-section{margin-top:32px}.researched-article h2{font-size:25px}.researched-article h3{font-size:20px}.article-meta{font-size:11px}.article-table table{font-size:13px}.practice-case{padding:18px}}@media print{.article-toc,.article-navigation{display:none}.researched-layout{display:block}.researched-article{max-width:none}.article-section{break-inside:auto}.article-section h2,.article-section h3{break-after:avoid}.article-table{overflow:visible}.article-table table{min-width:0}.article-sources a{overflow-wrap:anywhere}.article-meta{font-size:10px}}
.researched-head h1,.researched-article h2,.researched-article h3{hyphens:auto;overflow-wrap:anywhere}.prose table{overflow-wrap:anywhere}@media(max-width:580px){.researched-head h1{font-size:32px;line-height:1.2}.article-navigation{display:none}}

.supplement-planner{margin:28px 0}.supplement-planner .calc-form{border:1px solid var(--line);border-radius:12px;background:var(--pale);padding:26px}.supplement-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.supplement-fields>div{min-width:0}.supplement-fields label{font-size:13px;font-weight:650;display:block;margin-bottom:8px}.supplement-fields input{width:100%;margin:0}.supplement-planner .small{margin:22px 0;font-size:12px}.supplement-planner .note{margin-top:18px}.supplement-totals{margin:0 0 22px}.supplement-totals>div{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-bottom:1px solid var(--line)}.supplement-totals dt{font-size:14px}.supplement-totals dd{margin:0;white-space:nowrap;font-weight:700;color:var(--navy)}@media(max-width:580px){.supplement-fields{grid-template-columns:1fr}.supplement-planner .calc-form{padding:20px}.supplement-totals>div{display:block}.supplement-totals dd{margin-top:5px}}

/* Kontakt und rechtliche Seiten */
.legal-copy {overflow-wrap: anywhere;}
.legal-copy code {font-size: .92em;}
#contact-form {display:grid; gap:18px; margin:24px 0;}
#contact-form label {display:grid; gap:8px; font-weight:600;}
#contact-form input:not([type="hidden"]), #contact-form textarea {width:100%; min-width:0; box-sizing:border-box; border:1px solid #b8c9de; border-radius:10px; padding:12px 14px; font:inherit; color:#17334f; background:#fff;}
#contact-form textarea {resize:vertical; min-height:170px;}
#contact-form input:focus-visible, #contact-form textarea:focus-visible {outline:3px solid #85b5ff; outline-offset:2px;}
#contact-form .contact-trap {display:none;}
#contact-form button, #contact-activate {justify-self:start; max-width:100%; white-space:normal;}
#contact-form button:disabled {opacity:.6; cursor:not-allowed;}
#contact-status {padding:12px 16px; border-radius:10px; background:#edf5ff; font-weight:500;}
#contact-status:empty {display:none;}
#contact-status[data-error="true"] {background:#fff1ed; color:#8e3022;}
#contact-activate[hidden] {display:none;}

/* Arbeitgeberbereich: Fachwissen, Arbeitshilfen und Recherchevorschau. */
[hidden]{display:none!important}.ag-page-head{padding-bottom:32px}.ag-subnav{display:flex;flex-wrap:wrap;gap:10px 24px;padding:18px 0;margin-top:28px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.ag-subnav a{color:var(--blue)}.ag-status{display:flex;align-items:flex-start;gap:18px;background:#f8fafc;border:1px solid var(--line);border-radius:10px;margin-top:24px;padding:16px 20px;font-size:13px}.ag-status>span{flex-shrink:0;font-size:10px;letter-spacing:1.3px;font-weight:750;background:#e8edf4;color:#41566e;padding:5px 8px;border-radius:4px}.ag-status p{margin:0;max-width:880px}.ag-section{padding:38px 0}.ag-section-title{max-width:720px;margin-bottom:28px}.ag-intents{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.ag-intent{display:block;border:1px solid var(--line);border-radius:12px;padding:25px;color:var(--ink);background:linear-gradient(135deg,#fff,#f7faff);transition:transform .16s,border-color .16s}.ag-intent:hover{text-decoration:none;border-color:var(--blue);transform:translateY(-3px)}.ag-intent>span{font-size:13px;letter-spacing:1px;color:var(--blue);font-weight:700;display:block;margin-bottom:18px}.ag-intent h3{font-size:23px;line-height:1.3;margin-bottom:12px}.ag-intent p{font-size:15px;min-height:48px}.ag-intent b{font-size:13px;color:var(--blue)}.ag-tools{display:grid;grid-template-columns:.8fr 1.2fr;gap:55px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:32px}.ag-tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.ag-tools-grid a{border:1px solid #cdddF3;padding:22px;border-radius:10px;background:var(--pale)}.ag-tools-grid b,.ag-tools-grid span{display:block}.ag-tools-grid b{font-size:17px;margin-bottom:8px}.ag-tools-grid span{font-size:13px;color:var(--muted)}.ag-filter>input,.ag-section>input{width:100%;padding:14px 18px;border:1px solid #b5c7de;border-radius:8px;margin:8px 0 18px;background:white;color:var(--ink)}.ag-filter>label,.ag-section>label{font-weight:650}.ag-chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}.ag-chips button{border:1px solid var(--line);padding:9px 14px;border-radius:30px;background:#fff;color:var(--ink);cursor:pointer;font-size:13px}.ag-chips button.active{background:var(--navy);color:white;border-color:var(--navy)}#ag-search-count,#ag-route-count{font-size:13px;color:var(--muted)}.ag-article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.ag-article-card{padding:25px;border:1px solid var(--line);border-radius:10px;display:flex;flex-direction:column;color:var(--ink);background:white}.ag-article-card:hover{border-color:var(--blue);text-decoration:none;box-shadow:0 8px 28px #142f5309}.ag-label{font-size:10px;text-transform:uppercase;letter-spacing:1.4px;font-weight:750;color:var(--blue);margin-bottom:16px;display:block}.ag-article-card h3{font-size:23px;line-height:1.3}.ag-article-card p{font-size:14px;color:var(--muted);line-height:1.6}.ag-card-link{margin-top:auto;font-size:13px;font-weight:650;color:var(--blue)}.ag-home-callout{padding:36px;background:var(--pale);border:1px solid var(--line);border-radius:12px;display:flex;gap:40px;align-items:center;justify-content:space-between}.ag-home-callout p{margin-bottom:0}.ag-home-callout .button{flex-shrink:0}.ag-action-row{display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap;margin-bottom:28px}.button-outline{display:inline-flex;background:white;border:1px solid #a4bbd8;color:var(--blue);padding:10px 15px;border-radius:7px;cursor:pointer;font:inherit;font-size:14px}.ag-tools-nav{display:grid;gap:15px;margin-top:25px;border-top:1px solid var(--line);padding-top:20px}.ag-checklist{border:1px solid var(--line);border-radius:10px;padding:24px;margin:35px 0 15px;background:#f9fbfe;break-inside:avoid}.ag-check-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:20px}.ag-check-heading h2{font-size:25px!important;line-height:1.3}.ag-check-heading>span{white-space:nowrap;font-size:12px;color:var(--muted)}.ag-check{display:flex!important;align-items:flex-start;gap:12px;margin:0!important;padding:12px 0;border-top:1px solid #e4ebf4;font-size:15px;cursor:pointer;font-weight:400!important}.ag-check input{width:19px!important;height:19px!important;min-width:19px;margin:4px 0 0;accent-color:var(--blue)}.ag-check input:checked+span{text-decoration:line-through;color:#607185}.ag-reset{margin-top:18px}.ag-check-page{max-width:950px}.ag-check-index{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:13px;margin:20px 0}.ag-route-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.ag-route{border:1px solid var(--line);border-radius:10px;padding:28px;min-width:0}.ag-route h2{font-size:26px}.ag-route dl{font-size:14px;margin-bottom:22px}.ag-route dt{font-weight:700;color:var(--navy);margin-top:14px}.ag-route dd{margin-left:0;color:var(--muted)}.ag-route-links{display:flex;flex-wrap:wrap;gap:12px 20px;font-size:13px;font-weight:600}.ag-tools-tabs{display:flex;flex-wrap:wrap;gap:12px 25px;margin-bottom:25px}.ag-tools-tabs a{border-bottom:2px solid var(--line);padding-bottom:8px}.ag-section .calculator{margin:30px 0}.ag-result-table{width:100%;font-size:12px;border-collapse:collapse}.ag-result-table th,.ag-result-table td{padding:12px 7px;text-align:right;border-bottom:1px solid #d3e0ed;white-space:nowrap}.ag-result-table th:first-child{text-align:left;white-space:normal}.ag-result-list{display:grid;grid-template-columns:1fr auto;gap:12px;font-size:15px}.ag-result-list dt,.ag-result-list dd{margin:0;border-bottom:1px solid #d3e0ed;padding-bottom:10px}.ag-result-list dd{text-align:right;font-weight:700}.ag-deadline-table{width:100%;border-collapse:collapse}.ag-deadline-table th,.ag-deadline-table td{padding:15px;border-bottom:1px solid var(--line);text-align:left}.ag-deadline-table thead{background:var(--pale)}.ag-deadline-table caption{text-align:left;font-weight:650;margin-bottom:15px}.ag-section>p{max-width:950px}.ag-checklist h2,.ag-page-head h1{overflow-wrap:anywhere}
@media(min-width:1001px){#main-nav{gap:18px;font-size:13px}.header-inner{gap:18px}}
@media(max-width:1050px){.ag-tools{gap:25px}.ag-article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ag-intents{grid-template-columns:repeat(2,minmax(0,1fr))}.ag-route{padding:22px}}
@media(max-width:700px){.ag-intents,.ag-article-grid,.ag-route-grid,.ag-tools,.ag-tools-grid{grid-template-columns:1fr}.ag-section{padding:25px 0}.ag-status{display:block;padding:15px}.ag-status>span{display:inline-block;margin-bottom:10px}.ag-subnav{gap:12px 20px;font-size:13px}.ag-intent p{min-height:0}.ag-intent{padding:22px}.ag-home-callout{display:block;padding:25px}.ag-home-callout .button{margin-top:20px}.ag-checklist{padding:18px}.ag-check-heading{display:block}.ag-check-heading>span{display:block;margin-bottom:15px}.ag-result-table{font-size:11px}.ag-action-row .button{width:100%;justify-content:center}.ag-route h2{font-size:24px}.ag-section .calculator{min-width:0}.ag-chips button{padding:8px 11px}}
@media print{header,footer,.topbar,.ag-subnav,.ag-status,.sidebar,.ag-print,.ag-reset,.skip,.ag-check-index,.ag-tools-tabs,.menu-button,.ag-action-row>.button{display:none!important}.wrap{width:100%;max-width:none}.article-layout{display:block!important}.page-head,.ag-section{padding:10px 0!important}.ag-checklist{background:white;border-color:#aaa}.ag-check{break-inside:avoid}.ag-route{break-inside:avoid}.ag-route-grid{display:block}.ag-route{margin-bottom:20px}.ag-check input:checked+span{text-decoration:none}.ag-check input{appearance:auto}h1{font-size:30px}h2{font-size:23px}.calculator{display:block}.calc-form button{display:none}.result{break-inside:avoid}a{color:#20344b} .draft-banner{display:none!important}}
.ag-article-card{min-width:0;overflow-wrap:anywhere}.ag-route h2{overflow-wrap:anywhere}@media(max-width:700px){.ag-article-grid{grid-template-columns:minmax(0,1fr)}}
.ag-error-case{margin:20px 0;border:1px solid var(--line);padding:20px;border-radius:9px;background:#fbfdff}.ag-error-case summary{font-weight:700;color:var(--navy);cursor:pointer}.ag-error-case[open] summary{margin-bottom:20px}.ag-error-case li{margin-bottom:12px}
@media(max-width:800px){.header-inner{flex-wrap:wrap}#main-nav.open{flex:1 0 100%;width:100%;min-width:0}.menu-button{flex-shrink:0}}