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a:not(.brand),.footer-main>div>span{font-size:.8rem;color:#a9bfd0}.footer-main a:hover{color:#fff}.footer-bottom{border-top:1px solid #28445c;display:flex;align-items:center;justify-content:space-between;gap:22px;padding:24px 0;font-size:.75rem;color:#9ab2c6}.footer-bottom>div{display:flex;gap:22px;flex-wrap:wrap}.footer-bottom a{color:#c3d6e7}.footer-bottom a:hover{color:#fff}.mobile-actions{display:none}.legal-page{background:#f5f8fb;min-height:60vh}.legal-head{padding:67px 0 28px}.legal-head h1{font-size:clamp(2.2rem,4vw,3.4rem);margin:12px 0 0}.legal-content{max-width:835px;padding:30px 0 100px}.legal-content>article,.withdraw-panel{background:#fff;padding:42px 49px;border-radius:16px;border:1px solid var(--line);box-shadow:0 8px 22px rgba(7,29,50,.03)}.legal-content h2{font-size:1.28rem;margin:31px 0 13px}.legal-content h2:first-child{margin-top:0}.legal-content h3{font-size:1.02rem}.legal-content p,.legal-content li{font-size:.91rem;line-height:1.82;color:#53687a}.legal-content 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h1{font-size:clamp(2.5rem,4.4vw,4rem)}.duration-grid{gap:46px}.contact-grid{gap:46px}}@media(max-width:900px){.menu-toggle{display:flex;border:0;background:transparent;width:43px;height:43px;align-items:center;justify-content:center;flex-direction:column;gap:6px}.menu-toggle span{width:23px;height:2px;background:var(--navy);border-radius:5px}.nav{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;padding:23px 24px 28px;box-shadow:0 25px 45px rgba(15,42,80,.13);flex-direction:column;align-items:stretch;gap:0}.nav.open{display:flex}.nav>a:not(.btn){padding:10px 0;font-size:.95rem}.nav .nav-cta{margin-top:13px;justify-content:center}.hero-grid{grid-template-columns:1fr}.hero-copy h1{max-width:790px}.hero-lead{max-width:780px}.hero-visual{min-height:450px}.visual-glow{width:420px;height:420px}.income-card{max-width:460px}.trust-grid{grid-template-columns:repeat(2,1fr);gap:26px}.trust-grid>div:nth-child(2){border:0}.trust-grid>div:nth-child(3){padding-left:0}.steps-grid{gap:11px}.step-card{padding:22px}.duration-grid,.important-grid,.faq-grid,.contact-grid{grid-template-columns:1fr;gap:35px}.duration-aside{max-width:520px}.tier-grid{grid-template-columns:repeat(3,1fr)}.features-grid{grid-template-columns:repeat(2,1fr)}.footer-main{grid-template-columns:repeat(2,1fr);gap:35px}}@media(max-width:680px){html{scroll-padding-top:80px}.container{width:min(100% - 32px,540px)}.microbar{height:26px}.micro-inner{justify-content:center}.micro-inner span:first-child{display:none}.header{height:72px}.nav{top:72px}.section{padding:65px 0}.hero{padding:57px 0 45px}.eyebrow{font-size:.66rem;letter-spacing:.045em;margin-bottom:19px}.hero-copy h1{font-size:clamp(2.56rem,10.5vw,3.7rem);margin-bottom:19px}.hero-lead{font-size:1rem;line-height:1.75}.actions{flex-direction:column;align-items:stretch}.btn-lg{font-size:.89rem;text-align:center;padding:16px 17px}.benefit-pills{gap:7px 11px;font-size:.75rem}.hero-visual{min-height:415px}.income-card{width:calc(100% - 13px);padding:24px 20px;transform:none}.visual-glow{width:310px;height:310px}.floating-label{left:-5px;bottom:5px}.truststrip{padding:22px 0}.trust-grid{gap:21px 14px}.trust-grid>div{padding:0 0 0 10px}.trust-grid strong{font-size:1.4rem}.trust-grid span{font-size:.68rem}.steps-grid{grid-template-columns:1fr}.step-card{padding:23px}.step-symbol{margin:11px 0 15px}.note-line{padding:18px}.duration-aside{padding:30px}.duration-aside .aside-number{font-size:6rem}.section-intro{margin-bottom:29px}.section-intro p{font-size:.99rem}.calculator{grid-template-columns:1fr}.calc-input,.calc-output{padding:27px 24px}.result-main{font-size:2.5rem}.tier-grid{grid-template-columns:repeat(2,1fr);gap:10px}.tier strong{font-size:1.85rem}.tier{padding:25px 4px 20px}.features-grid{grid-template-columns:1fr}.features-grid article{padding:22px}.inline-cta{flex-direction:column;align-items:stretch}.important-grid,.faq-grid{gap:26px}.contact-form-card{padding:28px 22px}.footer-main{grid-template-columns:1fr 1fr;padding:45px 0;gap:32px 20px}.footer-main>div:first-child{grid-column:1/-1}.footer-main>div:last-child{grid-column:1/-1}.footer-bottom{flex-direction:column;align-items:flex-start;padding-bottom:87px}.mobile-actions{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:70;gap:8px;background:#fff;border-top:1px solid var(--line);padding:10px 13px max(10px,env(safe-area-inset-bottom));box-shadow:0 -5px 25px #0b25411a}.mobile-actions a{background:#e8f0fa;color:var(--navy);border-radius:9px;padding:13px 9px;flex:1;text-align:center;font-size:.79rem;font-weight:800}.mobile-actions a.mobile-calc{background:var(--blue);color:#fff;flex:1.65}.legal-head{padding:42px 0 12px}.legal-content{padding:10px 0 90px}.legal-content>article,.withdraw-panel{padding:25px 21px}.legal-content p{font-size:.86rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn,.bar-fill{transition:none}} 

.team-figure{margin:31px 0 0;max-width:395px}.team-figure img{display:block;width:100%;height:auto;object-fit:cover;border-radius:13px;box-shadow:0 12px 30px #041e3538}.team-figure figcaption{color:#adc9db;font-size:.72rem;margin-top:9px}

.article-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.article-card{background:#fff;border:1px solid #e1eaf4;border-radius:16px;padding:30px;box-shadow:0 12px 30px rgba(11,37,65,.045);display:flex;flex-direction:column;align-items:flex-start}.article-label{font-size:.67rem;letter-spacing:.12em;font-weight:830;color:#1762c2}.article-card h3{font-size:1.46rem;line-height:1.3;margin:14px 0}.article-card p{font-size:.92rem;line-height:1.77;flex:1}.article-continue{color:#1762c2;font-size:.88rem;font-weight:780;margin-top:9px}.article-continue:hover{text-decoration:underline}.guide-intro{font-size:1.1rem!important;line-height:1.83!important;color:#3a536b!important}.guide-lead{border-left:4px solid #1762c2;padding:13px 19px;background:#edf5ff;border-radius:0 10px 10px 0;margin:22px 0}.guide-lead p{margin:0;color:#254b78!important}.guide-table-wrap{width:100%;overflow-x:auto;margin:16px 0 22px}.guide-table{width:100%;border-collapse:collapse;font-size:.88rem;min-width:540px}.guide-table th,.guide-table td{padding:12px;border-bottom:1px solid #e2eaf4;text-align:left}.guide-table th{background:#edf5ff;color:#17385b}.guide-table td:last-child,.guide-table th:last-child{text-align:right}.guide-cta{display:flex;align-items:center;justify-content:space-between;gap:17px;flex-wrap:wrap;background:#eef6ff;border-radius:14px;padding:24px;margin:30px 0}.guide-cta p{margin:0;max-width:420px}.guide-ref{font-size:.8rem!important;color:#657687!important}.guide-ref a{color:#1762c2!important}.guide-note{font-size:.8rem!important}.guide-nav{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.guide-nav a{border:1px solid #d8e5f4;padding:8px 11px;border-radius:8px;font-size:.8rem;font-weight:700;background:#fff;color:#1762c2}.guide-nav a:hover{background:#edf5ff}@media(max-width:680px){.article-cards{grid-template-columns:1fr}.article-card{padding:25px}.guide-cta .btn{width:100%;white-space:normal;text-align:center}.guide-table{font-size:.81rem}}

/* E-Mail-Teamkontakt; alle Links sind echte mailto:-Verknüpfungen. */
.email-roster{margin-top:22px;max-width:490px}.email-roster .mail-label{color:#b7d7e9;font-weight:750;font-size:.85rem;margin:0 0 12px}.email-roster .mail-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.email-roster .mail-grid a{display:flex;flex-direction:column;min-width:0;gap:3px;padding:11px 12px;border:1px solid #42627f;border-radius:10px;background:#143756;color:#eef6ff}.email-roster .mail-grid a:hover{background:#1f496d;color:#fff}.email-roster .mail-grid span{font-size:.71rem;color:#b9d5e6}.email-roster .mail-grid strong{font-size:.76rem;line-height:1.45;overflow-wrap:anywhere;font-weight:650}.footer-main a{overflow-wrap:anywhere}.footer-main>div:not(:first-child)>strong{line-height:1.4}
@media(max-width:680px){.email-roster .mail-grid{grid-template-columns:1fr 1fr}.email-roster .mail-grid strong{font-size:.7rem}}
@media(max-width:390px){.email-roster .mail-grid{grid-template-columns:1fr}}

/* Drei interaktive Vergleichsschritte mit zwei Einkommensbeispielen. */
.examples-section{background:linear-gradient(180deg,#f4f8fe 0%,#f9fbfe 100%);border-block:1px solid #e5edf8}.examples-explainer{display:flex;gap:16px;align-items:center;background:#e4f1ff;border:1px solid #bcdafa;border-radius:15px;padding:19px 25px;max-width:750px;margin:0 auto 24px}.examples-explainer .guide-pulse{display:grid;place-items:center;flex:none;width:42px;height:42px;color:white;background:#1762c2;border-radius:50%;font-size:1.65rem;box-shadow:0 4px 14px #1762c230}.examples-explainer>div{display:flex;flex-direction:column;gap:3px}.examples-explainer strong{color:#113b68;font-size:1rem}.examples-explainer span:not(.guide-pulse){color:#395b7a;font-size:.83rem}.example-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;max-width:1050px;margin:0 auto 17px}.example-step{font-family:inherit;cursor:pointer;display:flex;align-items:center;text-align:left;gap:15px;min-width:0;padding:19px 17px;border-radius:15px;border:2px solid #c7d8ea;background:white;color:#193c5d;box-shadow:0 5px 18px #153b6510;transition:border-color .2s,background .2s,color .2s,box-shadow .2s,transform .2s}.example-step:hover{border-color:#1762c2;transform:translateY(-2px);box-shadow:0 8px 22px #17395e20}.example-step:focus-visible,.example-next:focus-visible{outline:3px solid #ffbc47;outline-offset:4px}.example-step-num{display:grid;place-items:center;flex:none;width:43px;height:43px;border-radius:12px;background:#e9f3ff;color:#165bc0;font-size:1.13rem;font-weight:900}.example-step strong{display:block;font-size:.93rem;line-height:1.3}.example-step small{display:block;margin-top:5px;color:#668096;font-size:.73rem;line-height:1.35}.example-step.is-active{border-color:#1261db;background:#135cbe;color:#fff;box-shadow:0 8px 24px #0b5ec22e}.example-step.is-active .example-step-num{background:#fff;color:#135cbe}.example-step.is-active small{color:#d5e8ff}.example-stage-detail{max-width:1050px;min-height:64px;margin:0 auto 18px;color:#294a6c;font-size:.87rem;line-height:1.68;text-align:center}.example-stage-detail strong{color:#143b69}.example-legend{display:flex;justify-content:center;align-items:center;gap:24px;flex-wrap:wrap;margin:0 auto 23px;color:#3e5a72;font-size:.77rem;font-weight:650}.example-legend span{display:inline-flex;align-items:center;gap:8px}.example-legend i{display:inline-block;width:14px;height:14px;border-radius:4px}.legend-gkv{background:#2868cc}.legend-axa{background:#21a676}.legend-gap{background:#e58b67}.example-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;max-width:1050px;margin:auto}.example-card{min-width:0;padding:30px 28px 26px;background:#fff;border:1px solid #dce8f4;box-shadow:0 12px 32px #0b254113;border-radius:18px}.example-card-heading>span{font-size:.7rem;letter-spacing:.11em;font-weight:850;color:#1261bc}.example-card-heading h3{font-size:1.45rem;margin:8px 0 8px;color:#133b64;line-height:1.25}.example-card-heading p{font-size:.82rem;color:#667d91;line-height:1.55;margin-bottom:24px}.example-net{display:flex;justify-content:space-between;gap:12px;align-items:center;border-bottom:1px solid #e5eaf1;padding-bottom:15px;margin-bottom:20px}.example-net span{font-size:.83rem;color:#61788d}.example-net strong{font-size:1.17rem;color:#0d2e51;white-space:nowrap}.example-plot-title{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:12px}.example-plot-title strong{font-size:.83rem;line-height:1.4;color:#294965}.example-plot-title b{font-size:1.14rem;white-space:nowrap;color:#153f67}.example-bar{display:flex;overflow:hidden;height:40px;width:100%;background:#f0f3f8;border-radius:9px;border:1px solid #e3e8f1}.example-part{display:block;flex:none;height:100%;transition:width .5s cubic-bezier(.2,.8,.25,1)}.part-gkv{background:#2868cc}.part-axa{background:#21a676}.part-gap{background:repeating-linear-gradient(135deg,#e58b67 0,#e58b67 12px,#f3a98e 12px,#f3a98e 24px)}.example-breakdown{display:flex;gap:10px;flex-wrap:wrap;justify-content:space-between;margin-top:12px;color:#52718a;font-size:.75rem;font-weight:600}.example-gap{display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff0e9;border:1px solid #f6d0c0;border-radius:12px;padding:15px 17px;margin-top:22px}.example-gap span{color:#934525;font-size:.81rem;font-weight:770}.example-gap strong{color:#983e1e;font-size:1.42rem;white-space:nowrap}.example-navigation{display:flex;align-items:center;justify-content:center;gap:21px;margin:29px auto 0}.example-next{min-width:262px;justify-content:center;font-size:.93rem}.example-count{font-size:.83rem;font-weight:800;color:#516c82}.example-disclaimer{max-width:1050px;margin:26px auto 0;color:#62788d;font-size:.76rem;line-height:1.75}.example-disclaimer a{color:#155fac;text-decoration:underline;text-underline-offset:2px}.examples-section a:focus-visible{outline:3px solid #ffbc47;outline-offset:2px}
@media(max-width:900px){.example-steps{gap:9px}.example-step{gap:9px;padding:14px 11px}.example-step strong{font-size:.78rem}.example-step-num{width:32px;height:32px;border-radius:9px}.example-step small{font-size:.65rem}.example-card{padding:22px 19px}.example-card-heading h3{font-size:1.22rem}.example-net{flex-direction:column;align-items:start;gap:5px}.example-plot-title{align-items:start;flex-direction:column}.example-gap{flex-direction:column;align-items:start;gap:6px}}
@media(max-width:680px){.examples-explainer{padding:15px;gap:11px;margin-bottom:18px}.examples-explainer .guide-pulse{height:36px;width:36px}.examples-explainer strong{font-size:.84rem}.examples-explainer span:not(.guide-pulse){font-size:.73rem}.example-steps{grid-template-columns:1fr;gap:9px}.example-step{padding:12px 14px;gap:13px}.example-step strong{font-size:.87rem}.example-step small{font-size:.72rem}.example-step-num{width:38px;height:38px}.example-stage-detail{text-align:left;font-size:.83rem;min-height:0}.example-legend{justify-content:start;gap:11px 18px;font-size:.74rem}.example-cards{grid-template-columns:1fr;gap:15px}.example-card{padding:24px 20px}.example-card-heading h3{font-size:1.35rem}.example-net{flex-direction:row;align-items:center}.example-plot-title{flex-direction:row;align-items:center}.example-gap{flex-direction:row;align-items:center}.example-navigation{flex-direction:column;gap:10px;margin-top:22px}.example-next{width:100%}.example-disclaimer{font-size:.72rem}}
@media(max-width:390px){.example-net,.example-plot-title,.example-gap{align-items:flex-start;flex-direction:column}.example-gap{gap:5px}.example-legend{font-size:.7rem}}
@media(prefers-reduced-motion:reduce){.example-part,.example-step{transition:none}}

/* Prominent but restrained disclosure of waiting periods / exclusions */
.hero-tariffine{display:inline-flex;align-items:center;gap:7px;margin-top:14px;color:#4d6d8b;font-size:.78rem;font-weight:650;text-decoration:underline;text-underline-offset:3px}.hero-tariffine:hover{color:#155fc3}.hero-tariffine:focus-visible{outline:3px solid #ffbc47;outline-offset:3px}