:root{--blau: #0f4c81;--blau-dunkel: #0a3560;--blau-soft: #eef4fa;--gruen: #0e7a4a;--gruen-soft: #edf7f1;--rot: #b3261e;--gelb-soft: #fdf6e3;--gelb-border: #e5c76b;--tinte: #1a202c;--tinte-2: #47505e;--tinte-3: #6b7280;--linie: #e3e8ef;--linie-2: #f0f3f7;--bg: #f6f8fa;--karte: #ffffff;--radius: 12px;--schatten: 0 1px 3px rgba(16, 42, 67, .06), 0 8px 24px rgba(16, 42, 67, .05);--mono: ui-monospace, "SF Mono", SFMono-Regular, Menlo, Consolas, monospace}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;color:var(--tinte);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;overflow-wrap:break-word}main{max-width:880px;margin:0 auto;padding:24px 20px 80px}@media(min-width:900px){main.wide{max-width:1040px}}h1,h2,h3,h4{line-height:1.25;color:var(--tinte)}h1{font-size:1.9rem;margin:12px 0;letter-spacing:-.01em}h2{font-size:1.45rem;margin:40px 0 12px}h3{font-size:1.15rem;margin:28px 0 10px}p{margin:0 0 14px;color:var(--tinte-2)}a{color:var(--blau);text-decoration:none}a:hover{text-decoration:underline}.kicker{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blau);background:var(--blau-soft);border-radius:100px;padding:4px 12px;margin-bottom:10px}.lede{font-size:1.08rem;color:var(--tinte-2);max-width:62ch}.karte{background:var(--karte);border:1px solid var(--linie);border-radius:var(--radius);padding:22px 24px;margin:18px 0;box-shadow:var(--schatten)}.feld{margin-bottom:16px}.feld label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--tinte)}.feld .hinweis{font-size:.8rem;color:var(--tinte-3);margin-top:4px}.feld input,.feld select{width:100%;padding:10px 12px;font-size:1rem;font-family:inherit;border:1px solid var(--linie);border-radius:8px;background:#fff;color:var(--tinte)}.feld input:focus,.feld select:focus{outline:2px solid var(--blau);outline-offset:1px;border-color:var(--blau)}.formular-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px 18px}@media(max-width:640px){.formular-grid{grid-template-columns:1fr}}.ergebnis{border-left:4px solid var(--gruen);background:var(--gruen-soft)}.ergebnis .hauptzahl{font-size:2.4rem;font-weight:800;color:var(--gruen);letter-spacing:-.02em;line-height:1.1;margin:4px 0;font-variant-numeric:tabular-nums}.ergebnis .hauptzahl-label{font-size:.85rem;font-weight:600;color:var(--tinte-2)}.ergebnis-klein{font-size:1.25rem;font-weight:700;color:var(--tinte);font-variant-numeric:tabular-nums}.kennzahlen{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-top:14px}.kennzahl{background:#fff;border:1px solid var(--linie);border-radius:10px;padding:10px 14px}.kennzahl .z{font-size:1.15rem;font-weight:700;font-variant-numeric:tabular-nums}.kennzahl .b{font-size:.75rem;color:var(--tinte-3);margin-top:2px}.vergleich-tabelle{width:100%;border-collapse:collapse;font-size:.92rem;margin:10px 0}.vergleich-tabelle th,.vergleich-tabelle td{text-align:right;padding:9px 10px;border-bottom:1px solid var(--linie-2);font-variant-numeric:tabular-nums}.vergleich-tabelle th:first-child,.vergleich-tabelle td:first-child{text-align:left}.vergleich-tabelle th{color:var(--tinte-3);font-weight:600;font-size:.82rem}.vergleich-tabelle .aktiv td{background:var(--gruen-soft);font-weight:600}details.rechenweg{border:1px solid var(--linie);border-radius:10px;margin:12px 0;background:#fff}details.rechenweg>summary{cursor:pointer;padding:12px 16px;font-weight:700;font-size:.95rem;color:var(--blau);list-style:none;display:flex;align-items:center;gap:8px}details.rechenweg>summary:before{content:"▸";transition:transform .15s}details.rechenweg[open]>summary:before{transform:rotate(90deg)}details.rechenweg>.inhalt{padding:0 18px 16px}.schritt{border-left:3px solid var(--blau-soft);padding:4px 0 4px 14px;margin:10px 0}.schritt .t{font-weight:700;font-size:.9rem}.schritt .f{font-family:var(--mono);font-size:.82rem;color:var(--tinte-3);margin:3px 0}.schritt .e{font-weight:700;color:var(--tinte);font-variant-numeric:tabular-nums}.hinweis-kasten{border-left:4px solid var(--blau);background:var(--blau-soft);border-radius:0 10px 10px 0;padding:14px 18px;margin:16px 0;font-size:.95rem}.hinweis-kasten.warnung{border-left-color:#b8860b;background:var(--gelb-soft)}.hinweis-kasten p{margin:0}details.faq{border:1px solid var(--linie);border-radius:10px;margin:10px 0;background:#fff}details.faq summary{cursor:pointer;padding:14px 36px 14px 18px;font-weight:700;list-style:none;position:relative}details.faq summary::-webkit-details-marker{display:none}details.faq summary:after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:1.3rem;color:var(--blau);font-weight:400}details.faq[open] summary:after{content:"–"}details.faq .antwort{padding:0 18px 16px;color:var(--tinte-2);font-size:.95rem}.quellen{font-size:.85rem;color:var(--tinte-3)}.quellen code{background:var(--linie-2);padding:1px 6px;border-radius:5px;font-size:.8rem;font-family:var(--mono)}.kopfzeile{background:var(--blau-dunkel);color:#fff;padding:14px 20px}.kopfzeile .innen{max-width:1040px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}.marke{display:flex;align-items:baseline;gap:8px;color:#fff;font-weight:800;font-size:1.2rem;text-decoration:none}.marke:hover{text-decoration:none}.marke .marke-suffix{font-weight:400;font-size:.8rem;opacity:.7}.navigation{display:flex;gap:18px;flex-wrap:wrap}.navigation a{color:#ffffffd9;font-size:.92rem;font-weight:500}.navigation a:hover{color:#fff;text-decoration:none}.navigation a.aktiv{color:#fff;border-bottom:2px solid #fff}.fusszeile{background:#101826;color:#94a3b8;padding:28px 20px 40px;font-size:.85rem}.fusszeile .innen{max-width:1040px;margin:0 auto;display:grid;gap:8px}.fusszeile a{color:#cbd5e1}.fusszeile .rechtliches{margin-top:10px;display:flex;gap:18px;flex-wrap:wrap}.rechner-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px;margin-top:20px}.rechner-karte{background:#fff;border:1px solid var(--linie);border-radius:var(--radius);padding:22px;box-shadow:var(--schatten);display:flex;flex-direction:column;gap:8px;transition:transform .12s,box-shadow .12s}.rechner-karte:hover{transform:translateY(-2px);box-shadow:0 4px 8px #102a4314,0 14px 32px #102a4317}.rechner-karte .icon{font-size:1.6rem}.rechner-karte h3{margin:0;font-size:1.05rem}.rechner-karte p{margin:0;font-size:.9rem;color:var(--tinte-3);flex-grow:1}.rechner-karte .link{font-weight:700;font-size:.9rem}.vertrauens-leiste{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:12px;margin:18px 0}.vertrauens-punkt{background:#fff;border:1px solid var(--linie);border-radius:10px;padding:12px 16px;font-size:.88rem;color:var(--tinte-2)}.vertrauens-punkt b{display:block;color:var(--tinte);font-size:.92rem}.knopf{display:inline-block;background:var(--blau);color:#fff;font-weight:700;padding:11px 22px;border-radius:8px;border:none;font-size:1rem;cursor:pointer;font-family:inherit}.knopf:hover{background:var(--blau-dunkel);text-decoration:none}.daten-tabelle{width:100%;border-collapse:collapse;font-size:.9rem;margin:12px 0}.daten-tabelle th,.daten-tabelle td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--linie-2)}.daten-tabelle th{color:var(--tinte-3);font-size:.8rem}.rechtstext h2{margin-top:28px}@media print{.kopfzeile,.fusszeile{display:none}.karte{box-shadow:none}}.tabelle-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:12px 0}.tabelle-wrap table{margin:0}th,td{overflow-wrap:break-word}.schritt .f{overflow-wrap:anywhere}details.faq summary,details.faq .antwort{overflow-wrap:break-word}@media(max-width:640px){main{padding:16px 14px 60px}.karte{padding:16px 14px;border-radius:10px}h1{font-size:1.5rem}h2{font-size:1.28rem}h3{font-size:1.08rem}.lede{font-size:1rem}.ergebnis .hauptzahl{font-size:1.9rem}.kennzahl .z{font-size:1.05rem}.kennzahl{padding:9px 12px}.knopf{width:100%}.marke .marke-suffix{display:none}.navigation{gap:14px}.kopfzeile{padding:12px 14px}.hinweis-kasten{padding:12px 14px;font-size:.9rem}}