:root{--g:#1d5f8a;--g2:#3a8fc4;--o:#e07a2e;--d:#1d2b36;--m:#4a5a66;--l:#eef4f8;--b:#dde6ec;--r:14px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--d);background:#fbfcfb}
img{max-width:100%;height:auto;display:block}
a{color:#1a5680;text-underline-offset:2px}a:hover{color:var(--o)}
:focus-visible{outline:3px solid var(--o);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.6em 1em;z-index:9}.skip:focus{left:8px;top:8px}
.wrap{max-width:1140px;margin:0 auto;padding:0 18px}
.top{background:#fff;border-bottom:1px solid var(--b);position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:62px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.1rem;color:var(--d);text-decoration:none}
.mainnav{display:none}.mainnav ul,.menu ul{list-style:none;margin:0;padding:0}
.mainnav ul{display:flex;gap:4px}.mainnav a{display:block;padding:.45em .7em;border-radius:8px;text-decoration:none;color:var(--d);font-weight:600;font-size:.95rem}
.mainnav a:hover,.mainnav a[aria-current]{background:var(--l);color:var(--g)}
.menu summary{cursor:pointer;list-style:none;padding:.45em .9em;border:1px solid var(--b);border-radius:10px;font-weight:700}
.menu summary::-webkit-details-marker{display:none}
.menu[open] ul{position:absolute;left:0;right:0;top:62px;background:#fff;border-bottom:1px solid var(--b);padding:8px 18px 14px;box-shadow:0 8px 20px rgba(0,0,0,.06)}
.menu li a{display:block;padding:.65em 0;border-bottom:1px solid var(--l);text-decoration:none;font-weight:600;color:var(--d)}
@media(min-width:900px){.menu{display:none}.mainnav{display:block}}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.3em;padding:0;margin:16px 0 0;font-size:.88rem;color:var(--m)}
.crumbs li+li::before{content:"›";margin-right:.3em;color:#9aa}
.ah{padding:18px 0 8px}h1{font-size:clamp(1.75rem,4.5vw,2.7rem);line-height:1.18;margin:.2em 0 .35em;letter-spacing:-.01em}
.lead{font-size:1.13rem;color:var(--m);max-width:62ch;margin:0 0 .6em}
.stand{font-size:.85rem;color:var(--m);margin:0}
.hero{margin:14px 0 24px}.hero img{border-radius:var(--r);width:100%;aspect-ratio:16/9;object-fit:cover;background:var(--l)}
.grid{display:block}
@media(min-width:1000px){.grid{display:grid;grid-template-columns:250px 1fr;gap:40px}.toc{position:sticky;top:80px;align-self:start;max-height:calc(100vh - 100px);overflow:auto}}
.toc{background:#fff;border:1px solid var(--b);border-radius:var(--r);padding:14px 18px;margin-bottom:24px;font-size:.92rem}
.toc-h{font-weight:800;margin:0 0 .4em}.toc ol{margin:0;padding-left:1.2em}.toc li{margin:.25em 0}
.content{max-width:760px}
.content h2{font-size:clamp(1.35rem,3vw,1.75rem);line-height:1.25;margin:1.9em 0 .5em;scroll-margin-top:80px}
.content h3{font-size:1.18rem;margin:1.5em 0 .4em;scroll-margin-top:80px}
.content p,.content li{max-width:70ch}.content li{margin:.3em 0}
sup.src{font-size:.7em;line-height:0}sup.src a{text-decoration:none;padding:0 1px}
.tw{overflow-x:auto;margin:1.2em 0;border:1px solid var(--b);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:.94rem;min-width:520px}
th,td{padding:.6em .8em;text-align:left;border-bottom:1px solid var(--b);vertical-align:top}th{background:var(--l)}
tr:last-child td{border-bottom:0}
.note{background:var(--l);border-left:5px solid var(--g);border-radius:10px;padding:.3em 1.1em;margin:1.4em 0}
.warn{background:#fff4ea;border-left-color:var(--o)}
figure.info{margin:1.6em 0;background:#fff;border:1px solid var(--b);border-radius:var(--r);padding:10px}
figure.info img{width:100%;height:auto}figcaption{font-size:.85rem;color:var(--m);padding:.4em .3em 0}
.info-kasten{position:relative;border:2px dashed var(--o);background:#fffaf5;border-radius:var(--r);padding:1.6em 1.2em 1em;margin:1.8em 0}
.kasten-label{position:absolute;top:-.8em;left:1em;background:var(--o);color:#fff;font-size:.75rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;padding:.15em .6em;border-radius:6px}
.kasten-titel{font-weight:800;font-size:1.1rem;margin:.1em 0 .3em}.kasten-note{font-size:.8rem;color:var(--m)}
.btn{display:inline-block;background:var(--o);color:#fff;font-weight:800;text-decoration:none;padding:.7em 1.3em;border-radius:10px;min-height:44px}
.btn:hover{background:#c8641c;color:#fff}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;padding:0;list-style:none;margin:1.2em 0}
.cards li{margin:0;max-width:none}.cards a{display:block;height:100%;background:#fff;border:1px solid var(--b);border-radius:var(--r);padding:14px 16px;text-decoration:none;color:var(--d)}
.cards a:hover{border-color:var(--g2);box-shadow:0 6px 18px rgba(29,95,138,.1)}.cards strong{display:block;color:var(--g);margin-bottom:.2em}
.related{margin:40px 0 10px}.related ul{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px;list-style:none;padding:0}
.related a{display:block;background:#fff;border:1px solid var(--b);border-radius:var(--r);padding:14px 16px;text-decoration:none;color:var(--d);height:100%}
.related strong{display:block;color:var(--g)}.related span{font-size:.9rem;color:var(--m)}
.calc{background:#fff;border:1px solid var(--b);border-radius:var(--r);padding:1em 1.2em;margin:1.4em 0}
.calc label{display:block;font-weight:600;margin:.7em 0 .2em}.calc input,.calc select{width:100%;max-width:320px;font:inherit;padding:.5em;border:1px solid #b9c6c0;border-radius:8px;min-height:44px}
.calc .res{background:var(--l);border-radius:10px;padding:.6em 1em;margin-top:1em;font-weight:600}
.sources li{margin:.6em 0;word-break:break-word;scroll-margin-top:80px}.sources li:target{background:#fff4ea}
.foot{margin-top:50px;background:var(--d);color:#dde6e2;padding:34px 0 24px;font-size:.92rem}
.foot a{color:#fff}.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:18px}
.fh{font-weight:800;color:#fff;margin:0 0 .4em}.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:.35em 0}.small{font-size:.8rem;color:#b9c6c0;margin-top:22px}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.top,.foot,.info-kasten,.toc{display:none}}
.content blockquote{background:var(--l);border-left:5px solid var(--g);border-radius:10px;padding:.2em 1.1em;margin:1.4em 0}
.content blockquote.warn{background:#fff4ea;border-left-color:var(--o)}
.calc input[type=checkbox]{width:auto;min-height:0;max-width:none;margin:0 .55em 0 0;transform:scale(1.25);flex:none}
.calc label:has(input[type=checkbox]){display:flex;align-items:flex-start;font-weight:500}

/* Hero-Bildunterschrift (KI-Kennzeichnung) */
.hero-cap{font-size:.78rem;color:var(--m);margin:.35em .2em 0;text-align:right}
/* Widerspruchsrecht (Art. 21 DSGVO), getrennt hervorgehoben */
.objection{border:2px solid var(--g);background:#f3f8fb;border-radius:var(--r);padding:.2em 1.2em .6em;margin:1.8em 0}
.objection h2{margin-top:.8em}
/* SNACKY-Kasten: kompakt, am PC links neben dem Text, am Handy flacher Streifen */
.snk-kasten{--sy:#ffcc00;--sr:#d62828;border:2px solid var(--sy);background:#fffbe6;padding:1.1em .8em .7em;display:grid;grid-template-columns:84px 1fr;gap:.7em;align-items:center;font-size:.88rem;margin:1.4em 0}
.snk-label{background:var(--sr);font-size:.65rem}
.ha-media img{border-radius:8px;width:100%;aspect-ratio:1/1;object-fit:cover}
.snk-kasten p{margin:.15em 0}
.snk-kasten .kasten-titel{color:var(--sr);font-size:.95rem;line-height:1.25}
.ha-txt{color:var(--m);line-height:1.4}.ha-more{display:none}
.ha-links{display:flex;gap:.9em;margin:.35em 0 0!important;font-weight:700;font-size:.85rem}
.ha-links a{color:var(--sr)}
.ha-word{font-weight:900;font-size:1rem;letter-spacing:.03em;color:var(--sr);background:var(--sy);border-radius:8px;aspect-ratio:1/1;display:flex;align-items:center;justify-content:center;margin:0!important}
@media(min-width:900px){
.snk-kasten{float:left;clear:left;width:210px;grid-template-columns:1fr;margin:.4em 1.6em 1em 0;padding:1.1em .8em .8em}
.ha-media img{aspect-ratio:16/10}
.ha-word{aspect-ratio:auto;padding:.5em}
.ha-more{display:block;margin-top:.5em!important}
.snk-kasten .ha-links{margin-top:.7em!important}
}
.content h2{clear:none}
.content figure,.content table,.content .info-kasten:not(.snk-kasten),.content .calc,.content .cards,.content .faq,.content details{clear:both}
/* Platzhalter fuer Seiten ohne Text (noindex, nicht in der Sitemap) */
.placeholder .lead{color:var(--o);font-weight:700}
/* Links mit [[lf:...]] (externe Ratgeberseite) */
a.lf::after{content:" ↗";font-size:.85em}
.calc-tab td:last-child{font-weight:700;white-space:nowrap}.calc-note{font-size:.85rem;color:var(--m)}
@media(min-width:1000px){.grid.grid-1{display:block}}

/* Tabellen mobil (31.10.): bis 3 Spalten ohne Querscrollen, breitere mit Wisch-Hinweis */
.tw-hint{display:none;font-size:.8rem;color:var(--m);margin:1.2em 0 -.8em;text-align:right}
@media(max-width:640px){
.tw:not(.tw-wide) table{min-width:0;font-size:.86rem}
.tw:not(.tw-wide) th,.tw:not(.tw-wide) td{padding:.5em .55em;overflow-wrap:break-word;hyphens:auto}
.tw:not(.tw-wide) th:first-child,.tw:not(.tw-wide) td:first-child{min-width:6.5em}
.tw-wide{-webkit-overflow-scrolling:touch;background:linear-gradient(90deg,#fff 30%,rgba(255,255,255,0)) left/40px 100% no-repeat local,linear-gradient(270deg,rgba(0,0,0,.12),rgba(0,0,0,0)) right/14px 100% no-repeat scroll,#fff}
.tw-hint{display:block}
}