/* Startseite (index): eigene Styles, aus Inline ausgelagert (27.10.2026) */
:root{--radius:18px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:clip}
body{font-family:'Poppins',system-ui,sans-serif;color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;overflow-x:clip}
a{text-decoration:none;color:inherit}
a[style*="#2A56C7"]:hover{text-decoration:underline;text-underline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
section{padding:70px 0}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;border-radius:12px;padding:13px 24px;cursor:pointer;border:none;font-size:var(--fs-md);font-family:inherit;transition:.18s;white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(20,34,75,.28)}
.btn-primary:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-ghost{background:#fff;border:1.5px solid var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn-outline{background:#fff;border:1.5px solid var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:var(--fs-xs);font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);background:transparent}
.eyebrow:not(.eb-outline)::before{content:"";width:3px;height:14px;background:var(--gold);border-radius:2px;flex:none}
.h2{font-size:33px;font-weight:700;letter-spacing:-.02em;color:var(--head);line-height:1.15}
.lead{color:var(--muted);font-size:var(--fs-lg);margin-top:10px}
.center{text-align:center}
.center .lead{max-width:600px;margin-left:auto;margin-right:auto}
/* topbar */
.topbar{color:var(--footer-ink)}
.promo{max-width:1120px;gap:13px;padding:11px 22px}
.promo .tag{padding:4px 11px;border-radius:8px;flex:none}
.promo .ptxt{min-width:0;max-width:860px;font-weight:600;line-height:1.5;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.promo .ptxt b{color:#fff}
.promo .pcta{font-weight:600;transition:.15s}
.promo .pcta:hover{color:var(--navy-2)}
@media(min-width:900px){.promo{flex-wrap:nowrap}}
@media(max-width:620px){.promo{gap:8px;font-size:var(--fs-sm)}}
/* header */
header{position:sticky;top:0;z-index:50;backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.i{width:1em;height:1em;display:inline-block;vertical-align:-.12em;flex:none}
.ic-lg{width:31px;height:31px}
.ic-md{width:24px;height:24px}
.inline-i{width:1.05em;height:1.05em}
/* hero and finder */
.hero{padding:105px 0 58px}
.hero h1{max-width:880px;margin:0 auto;font-size:42px;font-weight:800;line-height:1.1;letter-spacing:-.03em;color:var(--head)}
.hero .hl{color:inherit}
.hero-cta{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:22px;flex-wrap:wrap}
.finder{max-width:760px;margin:34px auto 0;background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);padding:24px;text-align:left;scroll-margin-top:104px}
.finder-top{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:16px}
.finder h2{font-size:24px;line-height:1.1;color:var(--head)}
.finder .sm{color:var(--muted)}
.progress{height:7px;background:var(--navy-soft);border-radius:99px;overflow:hidden;margin-bottom:20px}
.progress i{display:block;width:33%;height:100%;background:linear-gradient(90deg,var(--navy),var(--navy-2));border-radius:inherit;transition:width .2s}
.q{font-size:18px;font-weight:700;color:var(--head);text-align:center}
.opts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr))}
.opt{display:grid;gap:7px;align-content:start;min-height:142px;padding:18px 14px;border:1px solid var(--line);background:#fff;cursor:pointer;text-align:center;transition:border-color .16s,box-shadow .16s,transform .16s,background .16s}
.opt:hover{box-shadow:var(--shadow);transform:translateY(-1px)}
.opt:hover .ic{color:var(--navy-2);box-shadow:inset 0 0 0 1px var(--line)}
.opt .ic{width:48px;height:48px;margin:0 auto 2px;border-radius:14px;background:var(--navy-soft);display:grid;place-items:center}
.opt b{font-size:var(--fs-md);line-height:1.25;color:var(--head)}
.opt small{font-size:var(--fs-sm);line-height:1.35;color:var(--muted)}
.result{text-align:center}
.result .name{font-size:30px;font-weight:800;color:var(--head);line-height:1.1;margin-top:4px}
.finder-foot{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:18px;color:var(--muted);font-size:var(--fs-sm)}
.finder-foot span{display:inline-flex;align-items:center;gap:6px}
.tablecard{background:#fff;border:1px solid var(--line);border-radius:22px}
#vergleich .tablecard{overflow-x:auto}
table{width:100%;border-collapse:collapse}
th{padding:15px 18px;text-align:left;background:var(--bg-2);color:var(--muted);font-size:var(--fs-xs);text-transform:uppercase;letter-spacing:.08em}
#vergleich th.sortable{padding:0}
#vergleich .table-sort{position:relative;display:block;width:100%;padding:15px 18px;border:0;background:transparent;color:inherit;font:inherit;letter-spacing:inherit;text-transform:inherit;text-align:inherit;cursor:pointer}
#vergleich .table-sort:hover{background:var(--navy-soft);color:var(--navy)}
#vergleich .table-sort:focus-visible{outline:2px solid var(--navy);outline-offset:-4px}
#vergleich .table-sort-icon{position:absolute;right:3px;top:50%;transform:translateY(-50%);width:12px;text-align:center;letter-spacing:0}
td{padding:18px;border-top:1px solid var(--line);vertical-align:middle}
.prov{display:flex;align-items:center;gap:12px}
.plogo{width:42px;height:42px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:var(--fs-sm);flex:none;overflow:hidden}
.plogo img{width:100%;height:100%;object-fit:contain;background:#fff;padding:3px;border-radius:inherit;display:block}
.pn{font-weight:800;color:var(--head);font-size:var(--fs-md)}
.ptag{font-size:var(--fs-sm);color:var(--muted);margin-top:2px}
.val,.score{font-weight:800;color:var(--head)}
.score{display:grid;gap:3px}
.t-cta{text-align:right}
.deal-band,.ctastrip{border-radius:24px;padding:28px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}
.deal-head{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:18px}
.deals{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.deal{position:relative;display:grid;gap:12px;align-content:start;border:1px solid var(--line);padding:20px;min-height:260px;transition:transform .18s,box-shadow .18s,border-color .18s}
.frist{justify-self:start;padding:5px 9px;border-radius:8px;background:var(--control-bg);color:var(--navy);font-size:var(--fs-sm);font-weight:800}
.dhead{display:flex;align-items:center;gap:10px}
.dn{font-weight:800;color:var(--head)}
.bonus{font-size:18px;font-weight:700;color:var(--head);line-height:1.25}
.bonus span{font-size:28px;font-weight:800;color:var(--navy)}
.dtext{color:var(--muted);font-size:var(--fs-md);line-height:1.5}
.deal .btn{justify-content:center;margin-top:auto}
.deal-note,.calc-note{margin-top:14px;color:var(--muted);font-size:var(--fs-sm);line-height:1.6}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:24px}
.stp{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s,border-color .18s}
.stp .n{width:40px;height:40px;border-radius:13px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;margin-bottom:14px}
.stp h3{font-size:18px;color:var(--head);margin-bottom:6px}
.stp p{font-size:var(--fs-md);color:var(--muted);line-height:1.55}
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,.9fr);gap:22px;align-items:stretch;background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:24px}
.bar{display:flex;height:12px;border-radius:99px;overflow:hidden;margin-bottom:12px}
.pb{background:var(--gold)}
.dot{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:6px}
.cats,.guides{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:24px}
.cat,.guide,.member{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden;transition:transform .18s,box-shadow .18s,border-color .18s}
.cat{display:block;padding:20px;color:inherit}
.cat .ic{width:44px;height:44px;border-radius:13px;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;margin-bottom:14px}
.cat h3,.guide h3{font-size:18px;color:var(--head);margin-bottom:6px}
.cat p,.guide p{color:var(--muted);line-height:1.55}
.cat .more{display:inline-block;margin-top:14px;color:var(--navy);font-weight:800;font-size:var(--fs-sm)}
.tk{width:24px;height:24px;border-radius:50%;background:var(--gold);color:var(--on-gold);display:grid;place-items:center;flex:none}
.member{padding:20px}
.av{width:56px;height:56px;border-radius:16px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;margin-bottom:14px}
.mn{font-weight:800;color:var(--head);font-size:18px}
.mr{font-size:var(--fs-sm);color:var(--navy);font-weight:700;margin-top:3px}
.ml{display:inline-block;margin-top:12px;color:var(--navy);font-weight:800;font-size:var(--fs-sm);transition:color .18s,transform .18s}
.guide .ph{position:relative;height:145px;background:var(--navy-soft) center/cover no-repeat;color:var(--navy);display:flex;align-items:flex-start;justify-content:flex-start;padding:16px;overflow:hidden}
.guide .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(255,255,255,.10),rgba(22,32,58,.08));pointer-events:none}
.guide .ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.home-updated{margin:16px 0 0;font-size:var(--fs-sm);line-height:1.5;color:var(--muted)}
.guide .ph.gold{color:var(--gold-deep)}
.guide .ph span{position:relative;z-index:1;align-self:flex-start;font-size:var(--fs-xs);text-transform:uppercase;letter-spacing:.1em;font-weight:800;background:rgba(255,255,255,.88);border:1px solid rgba(255,255,255,.75);border-radius:8px;padding:6px 10px;box-shadow:0 6px 16px rgba(40,72,159,.10)}
.guide .body{padding:18px}
.guide .meta{margin-top:12px;color:var(--muted);font-size:var(--fs-sm)}
.faq{display:grid;gap:10px}
.pm{color:var(--navy);font-size:22px}
.fa{display:none;padding:0 20px 18px;color:var(--muted);font-size:var(--fs-lg);line-height:1.7}
.ctastrip{text-align:center;background:linear-gradient(135deg,var(--navy-soft),#fff)}
.ctastrip h2{font-size:30px;color:var(--head);line-height:1.15}
.ctastrip p{max-width:620px;margin:10px auto 20px;color:var(--muted)}
footer{color:#fff;padding:54px 0 20px}
footer a{display:block;color:var(--footer-muted);font-size:var(--fs-sm);margin:7px 0}
footer a:hover{color:#fff}
.stp:hover,.deal:hover,.cat:hover,.guide:hover,.member:hover{transform:translateY(-3px);border-color:var(--line-2);box-shadow:0 16px 42px rgba(40,72,159,.13)}
.cat:hover .ic{background:var(--navy);color:#fff}
.cat:hover .more,.guide:hover h3,.ml:hover{color:var(--gold-deep)}
.guide:hover .ph{filter:saturate(1.04)}
.tablecard tbody tr{transition:background .16s}
.tablecard tbody tr:hover{background:var(--bg-2)}
.btn:focus-visible,.opt:focus-visible,.cat:focus-visible,.guide:focus-visible,a:focus-visible,button:focus-visible{outline:3px solid rgba(224,168,46,.45);outline-offset:3px}
@media(max-width:780px){
  .hero{padding:76px 0 42px}
  .hero h1{font-size:31px}
  .hero .lead{font-size:var(--fs-base)}
  .finder{padding:18px;border-radius:18px}
  .finder-top{display:block;text-align:center}
  .finder .sm{display:inline-block;margin-top:5px}
  .opts{grid-template-columns:1fr}
  .deals,.steps,.cats,.guides,.calc{grid-template-columns:1fr}
  .opt{min-height:0;text-align:left;grid-template-columns:48px 1fr;column-gap:12px;align-items:center}
  .opt .ic{grid-row:1 / span 2;margin:0}
  .finder-foot{flex-direction:column;gap:6px}
  .deal-head{display:block}
  th{display:none}
  tr,td{display:block}
  td{padding:12px 16px}
  td::before{content:attr(data-l);display:block;color:var(--muted);font-size:var(--fs-xs);text-transform:uppercase;letter-spacing:.08em;margin-bottom:3px}
  .prov-cell::before,.t-cta::before{display:none}
  .t-cta{text-align:left}
  .t-cta .btn{width:100%;justify-content:center}
  
}
/* Sticky mobile CTA */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:54;display:none;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-top:1px solid var(--line);box-shadow:0 -6px 24px rgba(20,34,75,.12);padding:10px 14px;padding-bottom:calc(10px + env(safe-area-inset-bottom));transform:translateY(130%);transition:transform .3s cubic-bezier(.4,0,.2,1)}
.mcta .btn{width:100%;justify-content:center;padding:14px;font-size:var(--fs-base)}
.mcta.show{transform:translateY(0)}
@media(max-width:768px){.mcta{display:block}}
/* Real provider logos: wider boxes for wordmarks, no base64 embedding */
.plogo:has(img.lg){width:66px;color:transparent;background:#fff}
.plogo:has(img.lg) img.lg{padding:5px 7px;background:#fff}
/* Tokens wie alle v4-Seiten */
:root{--shadow:0 1px 2px rgba(20,34,75,.05),0 8px 26px rgba(20,34,75,.07);--shadow-lg:0 24px 56px rgba(20,34,75,.12),0 2px 8px rgba(20,34,75,.05)}
body{background:var(--bg)}
/* Topbar wie alle v4-Seiten (hell statt dunkel) */
.topbar{background:var(--navy-soft);color:var(--ink);font-size:var(--fs-md);border-bottom:1px solid var(--navy-line)}
.promo{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;justify-content:center;gap:10px 16px;padding:10px 22px;flex-wrap:wrap;text-align:center}
.promo .tag{background:var(--gold);color:var(--on-gold);font-size:var(--fs-xs);font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 9px}
.promo .ptxt{font-weight:400;display:block;-webkit-line-clamp:unset;overflow:visible}
.promo .ptxt b{color:var(--head);font-weight:600}
.promo .pcta{color:var(--navy);font-weight:700;white-space:nowrap}
.promo .pcta:hover{text-decoration:underline;text-underline-offset:3px}
@media(max-width:620px){.promo .tag{display:none}}
/* Affiliate-Buttons grün mit ↗ (v4.33) */
a.btn.btn-aff,a.btn[rel~="sponsored"]{box-shadow:none}
a.btn.btn-aff:hover,a.btn[rel~="sponsored"]:hover{transform:none}
.t-test{display:inline-flex;align-items:center;font-weight:700;color:var(--navy);white-space:nowrap}
.t-test:hover{text-decoration:underline;text-underline-offset:3px}
a:focus-visible,button:focus-visible,.opt:focus-visible{outline:2px solid var(--navy);outline-offset:2px}
/* Karten: kein Rahmen, weicher Schatten (nicht „weiß auf weiß mit grauem Rahmen“) */
.stp,.cat,.guide,.member,.deal,.tablecard,.calc,.finder{border:0}
.stp:hover,.deal:hover,.cat:hover,.guide:hover,.member:hover{border-color:transparent}
.cat p,.guide p,.stp p,.ptag,.meta{color:var(--ink)}
.cat p,.guide p{font-size:var(--fs-md)}
/* Hero: ohne Verlauf */
.hero{background:var(--bg-2)}
.hero .hl{color:var(--navy)}
/* Depot-Finder */
.progress i{background:var(--navy)}
.opt{border:1px solid var(--navy-line);background:var(--navy-soft)}
.opt:hover{border-color:var(--navy)}
.result .res-label{color:var(--ink);font-size:var(--fs-md)}
.result .res-text{color:var(--ink);font-size:var(--fs-md);line-height:1.55;margin:10px auto 18px;max-width:440px}
.result .res-go{width:100%;justify-content:center}
.result .res-alt{display:inline-block;margin-top:14px;font-size:var(--fs-md);font-weight:700;color:var(--navy)}
.result .res-alt:hover{text-decoration:underline;text-underline-offset:3px}
.result .res-reset{display:block;margin:10px auto 0;background:none;border:0;padding:0;font:600 var(--fs-md)/1.4 inherit;font-family:inherit;color:var(--muted);cursor:pointer}
.result .res-reset:hover{color:var(--navy)}
/* Vergleichstabelle: Note ohne Sterne, Testsieger ohne Gold-Verlauf */
tr.win{background:#fff}
.tablecard tbody tr.win:hover{background:var(--bg-2)}
.score{display:inline-grid;place-items:center;min-width:44px;height:32px;border-radius:9px;background:var(--gold-soft);color:var(--gold-deep);font-weight:700;font-size:var(--fs-md)}
.t-cta{white-space:nowrap}
.t-cta .t-test{margin-left:14px}
@media(max-width:760px){.t-cta{display:flex;align-items:center;gap:8px 14px;flex-wrap:wrap}.t-cta .btn{width:auto}.t-cta .t-test{margin-left:0}}
/* Prämien */
.frist{background:var(--control-bg);}
.deal-cta{display:flex;align-items:center;gap:8px 14px;flex-wrap:wrap;margin-top:auto}
.deal-cta .btn{margin-top:0}
/* Schritte: Ziffer hell statt dunkel gefüllt */
.stp .n{background:var(--navy-soft);color:var(--navy)}
/* Rechner: siehe „Rechner wie auf den LPs“ unten */
/* Themen */
.more{color:var(--navy)}
.cat:hover .more,.guide:hover h3,.ml:hover{color:var(--navy)}
/* Vertrauen: hell statt dunkles Band, Häkchen grün statt Gold */
.tk{background:var(--green-soft);color:var(--green-deep)}
/* Ratgeber-Karten: Bildkopf ohne Verlauf, Tag ohne Gold */
.guide .ph::after{background:none}
.guide .ph.gold{color:var(--navy)}
/* FAQ: Eyebrow ohne Gold-Strich */
.eyebrow:not(.eb-outline){color:var(--muted)}
.eyebrow:not(.eb-outline)::before{display:none}
/* CTA-Streifen flach */
.ctastrip{box-shadow:none}
/* Nachschliff */
th{white-space:nowrap}
.deal{background:var(--bg-2)}
.deal:hover{box-shadow:0 10px 28px rgba(40,72,159,.10)}
/* FAQ wie auf den LPs: Linien, Chevron im navy-soft-Kreis; Block zentriert */
.faq{display:block;max-width:820px;margin:0 auto;border-top:1px solid var(--line-2)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:18px 0;font-size:var(--fs-lg);font-weight:600;color:var(--head);cursor:pointer}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--navy)}
.faq summary .pm{width:28px;height:28px;border-radius:50%;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;flex:none;transition:transform .2s;font-size:0}
.faq summary .pm svg{width:16px;height:16px}
.faq details[open] summary .pm{transform:rotate(180deg)}
.faq details[open] summary{color:var(--navy)}
.faq .fa{display:block;padding:0 0 20px;font-size:var(--fs-lg);line-height:1.7;color:var(--ink)}
.faq .fa p{margin:0}
.faq summary:focus{outline:none}
.faq summary:focus-visible .pm{outline:2px solid var(--navy);outline-offset:2px}
.faq .fa-wrap{overflow:hidden}
/* Rechner wie auf den LPs: navy-soft-Panel, weiße Karten, schlanke Regler, Kacheln */
.eyebrow.eb-plain{display:block;font-size:var(--fs-xs);font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--faint);margin-bottom:10px}
.eyebrow.eb-plain::before{display:none}
.calc.hcalc{grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:16px;align-items:start;border:1px solid var(--navy-line);border-radius:20px;padding:20px;margin-top:26px}
.hcalc .esr-in{background:#fff;border-radius:14px;padding:18px 20px 12px}
.hcalc .tool-head{display:flex;align-items:center;gap:12px;margin-bottom:4px}
.hcalc .tool-head .ic{width:40px;height:40px;border-radius:11px;background:var(--navy-soft);display:grid;place-items:center;color:var(--navy);flex:none}
.hcalc .tool-head .ic svg{width:20px;height:20px}
.hcalc .tool-head small{display:block;font-size:var(--fs-xs);font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--faint);margin-bottom:2px}
.hcalc .tool-head .ft{font-size:22px;font-weight:700;color:var(--head);line-height:1.3}
.hcalc .cs{padding:14px 0 16px;border-top:1px solid var(--line)}
.hcalc .tool-head+.cs{margin-top:14px}
.hcalc .cs label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:var(--fs-md);font-weight:500;color:var(--ink);margin-bottom:10px}
.hcalc .cs label .v{font-size:var(--fs-lg);font-weight:600;color:var(--head);white-space:nowrap}
.hcalc input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:4px;border-radius:99px;background:var(--line-2);outline:none;cursor:pointer;accent-color:var(--navy)}
.hcalc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 0 0 1px var(--navy-line)}
.hcalc input[type=range]::-moz-range-thumb{width:12px;height:12px;border-radius:50%;background:var(--navy);border:3px solid #fff}
.hcalc input[type=range]:focus-visible{outline:2px solid var(--navy);outline-offset:6px}
.hcalc .esr-out{display:grid;gap:12px;min-width:0}
.hcalc .resbig{background:#fff;border-radius:14px;padding:18px 20px 20px}
.hcalc .rb-k{font-weight:500;color:var(--ink);line-height:1.4}
.hcalc .rb-v{font-size:42px;font-weight:700;color:var(--head);letter-spacing:-.02em;line-height:1.15;margin:6px 0 16px;font-variant-numeric:tabular-nums}
.hcalc .bar{display:flex;height:10px;border-radius:99px;overflow:hidden;background:var(--bg-2);margin:0}
.hcalc .pa{background:var(--navy-line)}
.hcalc .pb{background:var(--navy)}
.hcalc .csum{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.hcalc .csum>div{background:#fff;border-radius:14px;padding:12px 16px}
.hcalc .csum .k{display:flex;align-items:center;gap:8px;color:var(--ink);line-height:1.35}
.hcalc .csum .v{font-size:18px;font-weight:600;color:var(--head);margin-top:2px;font-variant-numeric:tabular-nums}
.hcalc .dot{width:10px;height:10px;border-radius:50%;flex:none}
.hcalc .dot.da{background:var(--navy-line)}
.hcalc .dot.db{background:var(--navy)}
#rechner .calc-note{line-height:1.6;color:var(--ink)}
@media(max-width:760px){.calc.hcalc{grid-template-columns:minmax(0,1fr);padding:14px}.hcalc .esr-in{padding:16px 16px 8px}}
@media(max-width:420px){.hcalc .csum{grid-template-columns:minmax(0,1fr);gap:8px}.hcalc .csum>div{display:flex;justify-content:space-between;align-items:baseline;gap:12px}.hcalc .csum .v{margin:0;white-space:nowrap}}
/* Themen als ruhige Liste: zwei Spalten, Trennlinien, kleines Icon, Pfeil statt „Mehr erfahren“-Kacheln */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.cats.cat-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 56px;margin-top:28px}
.cat-list .cat:nth-child(-n+2){border-top:1px solid var(--line-2)}
.cat-list .cat{position:relative;grid-template-columns:24px minmax(0,1fr) auto;padding:22px 4px 22px 0;background:none;border:0;border-bottom:1px solid var(--line-2);border-radius:0;overflow:visible}
.cat-list .cat:hover{transform:none;box-shadow:none;border-color:var(--line-2)}
.cat-list .cat .ic,.cat-list .cat:hover .ic{width:24px;height:24px;margin:3px 0 0;background:none;color:var(--navy);border-radius:0;grid-row:1/3}
.cat-list .cat .ic svg{width:22px;height:22px}
.cat-list .cat h3{font-size:18px;line-height:1.35;transition:color .15s}
.cat-list .cat p{margin:0;line-height:1.55;color:var(--ink)}
.cat-list .cat .more{grid-row:1/3;margin:0}
.cat-list .cat .ar{display:inline-block;font-size:20px;font-weight:600;transition:transform .15s}
.cat-list .cat:hover h3{color:var(--navy)}
.cat-list .cat:hover .ar{transform:translateX(4px)}
.cat-list .cat:focus-visible{outline:2px solid var(--navy);outline-offset:2px}
/* ===== Harmonie der Abschnitte: gleicher Rhythmus, Hintergründe im Wechsel, keine weißen Schattenkarten auf Weiß ===== */
main section{padding:72px 0}
.hero{padding-bottom:64px}
#vergleich,.sec-steps,#themen,#redaktion,#ratgeber{background:var(--bg-2)}
#praemien,#rechner,#vertrauen,.sec-cta{background:#fff}
#redaktion{padding-bottom:28px}
#ratgeber{padding-top:28px}
#vertrauen{padding-bottom:32px}
.sec-cta{padding-top:32px}
#vergleich>.wrap>div:first-child{margin-top:0!important}
@media(max-width:760px){main section{padding:52px 0}#redaktion{padding-bottom:20px}#ratgeber{padding-top:20px}#vertrauen{padding-bottom:24px}.sec-cta{padding-top:24px}}
/* Prämien: ohne weißen Rahmenkasten, Karten grau auf Weiß */
.deal-band{background:none;box-shadow:none;border:0;padding:0;border-radius:0}
.deal-head{margin-bottom:22px}
/* Karten auf grauem Grund: weiß, flach, Schatten erst bei Hover */
.sec-steps .stp,#ratgeber .guide,.tablecard{box-shadow:none}
.stp:hover,.guide:hover,.member:hover{transform:none;box-shadow:0 10px 28px rgba(40,72,159,.08)}
/* 3 Schritte als Ablauf: Nummern auf einer Linie statt drei gleicher Karten */
.sec-steps .steps{gap:32px;margin-top:32px}
.sec-steps .stp,.sec-steps .stp:hover{position:relative;background:none;border:0;border-radius:0;padding:0;transform:none}
.sec-steps .stp .n{position:relative;z-index:1;width:48px;height:48px;border-radius:50%;box-shadow:inset 0 0 0 2px var(--navy);font-size:18px;margin-bottom:18px}
.sec-steps .stp:last-child .n{background:var(--green-deep);color:#fff;box-shadow:none}
.sec-steps .stp:not(:last-child)::after{content:"";position:absolute;top:23px;left:60px;right:-20px;height:2px;background:var(--navy-line);border-radius:2px}
.sec-steps .stp h3{margin-bottom:6px}
.sec-steps .stp p{font-size:var(--fs-base);line-height:1.6;max-width:320px}
@media(max-width:760px){
  .sec-steps .steps{gap:0;margin-top:24px}
  .sec-steps .stp{padding:0 0 26px 68px;min-height:48px}
  .sec-steps .stp:last-child{padding-bottom:0}
  .sec-steps .stp .n{position:absolute;left:0;top:0;margin:0}
  .sec-steps .stp h3{padding-top:11px}
  .sec-steps .stp:not(:last-child)::after{top:56px;bottom:6px;left:23px;right:auto;width:2px;height:auto}
}
/* Nachschliff Schritte: zentriert, gefüllte Nummern, Linie verbindet Kreis zu Kreis */
@media(min-width:761px){
  .sec-steps .h2{text-align:center}
  .sec-steps .steps{gap:32px;margin-top:40px;max-width:980px;margin-left:auto;margin-right:auto}
  .sec-steps .stp{text-align:center}
  .sec-steps .stp .n{margin:0 auto 18px}
  .sec-steps .stp p{margin:0 auto;max-width:290px}
  .sec-steps .stp:not(:last-child)::after{top:23px;left:calc(50% + 34px);right:calc(-50% + 2px)}
}
.sec-steps .stp .n{background:var(--navy);color:#fff;box-shadow:0 0 0 6px var(--bg-2)}
/* Prämien: Frist-Tag oben rechts, ruhigere Kopfzeile, kompakte Buttons, Betrag als Blickfang */
.deal-head{align-items:center}
.deal-head .h2{margin:0}
.deal{gap:10px;min-height:0;padding:20px 22px 22px}
.deal .dhead{gap:10px;margin-bottom:4px}
.deal .plogo{width:34px;height:34px;border-radius:9px}
.deal .plogo:has(img.lg){width:54px}
.deal .dn{font-size:var(--fs-md);font-weight:600;color:var(--ink)}
.deal .frist{margin-left:auto;justify-self:auto;padding:4px 10px;border-radius:99px;background:var(--control-bg);color:var(--navy);font-size:var(--fs-sm);font-weight:600;white-space:nowrap}
.deal .frist.frist-d{background:#fff;color:var(--ink)}
.deal .bonus{font-size:var(--fs-lg);font-weight:600;line-height:1.3;margin-top:4px}
.deal .bonus span{font-size:32px;font-weight:700;letter-spacing:-.01em;margin-right:3px}
.deal .dtext{font-size:var(--fs-md);color:var(--ink);line-height:1.55}
.deal-cta{margin-top:8px}
.deal-cta .btn{padding:10px 18px;border-radius:10px}
@media(max-width:760px){.deal-head{display:flex;flex-wrap:wrap;gap:12px}}
/* Themen v2: drei Spalten, Pfeil direkt am Titel, Beschreibung in voller Breite */
.cats.cat-list{gap:0 40px}
.cat-list .cat:nth-child(-n+3){border-top:1px solid var(--line-2)}
.cat-list .cat{grid-template-columns:22px auto minmax(0,1fr);grid-template-rows:auto auto;column-gap:10px;row-gap:6px;align-items:center;padding:20px 0}
.cat-list .cat .ic,.cat-list .cat:hover .ic{grid-row:1;grid-column:1;width:22px;height:22px;margin:0}
.cat-list .cat .ic svg{width:20px;height:20px}
.cat-list .cat h3{grid-row:1;margin:0}
.cat-list .cat .more{justify-self:start;align-self:center}
.cat-list .cat .ar{font-size:18px}
.cat-list .cat p{grid-row:2;grid-column:2/4;align-self:start;text-wrap:pretty}
@media(max-width:980px){.cats.cat-list{grid-template-columns:repeat(2,minmax(0,1fr))}.cat-list .cat:nth-child(3){border-top:0}}
@media(max-width:760px){.cats.cat-list{grid-template-columns:minmax(0,1fr)}.cat-list .cat:nth-child(2){border-top:0}.cat-list .cat{padding:18px 0}}
/* Vertrauen & Redaktion: ein Block, links Aussage + Redaktion, rechts Liste mit Linien, unten Meta + ein Button */
#redaktion.sec-trust{background:#fff;padding:72px 0}
#ratgeber{padding-top:72px}
.trust{gap:24px 64px}
.trust-l .h2{margin:0}
.trust-l .lead{margin-top:12px}
.trust-team{margin-top:28px;padding-top:24px;border-top:1px solid var(--line-2)}
.trust-team h3{font-size:19px;line-height:1.35;font-weight:700;color:var(--head);margin:0 0 6px}
.trust-team p{font-size:var(--fs-base);line-height:1.6;margin:0 0 16px}
.trust-team .member{display:flex;align-items:center;gap:16px;background:var(--bg-2);border-radius:16px;padding:16px 18px;box-shadow:none}
.trust-team .member:hover{transform:none;box-shadow:none}
.trust-team .av{position:relative;width:56px;height:56px;border-radius:50%;flex:none;overflow:hidden;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;font-weight:800}
.trust-team .av img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.trust-team .mn{font-size:var(--fs-base);font-weight:700;color:var(--head)}
.trust-team .mr{color:var(--ink)}
.trust-team .ml{display:inline-block;margin-top:4px;font-weight:700;color:var(--navy)}
.trust-list{border-top:1px solid var(--line-2)}
.trust-list li{display:grid;grid-template-columns:24px minmax(0,1fr);gap:14px;padding:18px 0;border-bottom:1px solid var(--line-2)}
.trust-list .tk{width:24px;height:24px;margin-top:1px}
.trust-list b{display:block;font-size:var(--fs-lg);color:var(--head);line-height:1.35}
.trust-list span:not(.tk){display:block;font-size:var(--fs-md);line-height:1.55;color:var(--ink);margin-top:3px}
@media(max-width:860px){.trust{grid-template-columns:minmax(0,1fr)}.trust-list{margin-top:8px}}
@media(max-width:760px){#redaktion.sec-trust,#ratgeber{padding:52px 0}}
/* Vertrauen: Rolle normal, Liste vertikal mittig zur linken Spalte */
.trust-team .mr{font-weight:400}
@media(min-width:861px){.trust{align-items:center}}
/* ===== Feinschliff 01.10.: Text ≥15 px, --ink statt Grau, Ausrichtung, Mobil-Tabelle ===== */
.lead,.hero .lead{color:var(--ink)}
.finder .sm{font-size:var(--fs-md)}
td{font-size:var(--fs-md)}
.ptag{font-size:var(--fs-md);color:var(--ink)}
.pn{display:flex;flex-wrap:wrap;align-items:center;gap:4px 8px}
.t-test,.deal-cta .t-test{font-size:var(--fs-md)}
.deal-cta .btn{font-size:var(--fs-md)}
.deal .frist{font-size:var(--fs-md)}
.deal-note,#vergleich .tablecard+p,.table-note{font-size:var(--fs-md);line-height:1.6;color:var(--ink)}
.hcalc .rb-k,.hcalc .csum .k{font-size:var(--fs-md)}
.trust-team .mr,.trust-team .ml{font-size:var(--fs-md)}
/* Rechner: rechte Spalte so hoch wie die linke, Ergebnis mittig */
.hcalc .esr-out{align-self:center}
@media(max-width:760px){
  /* Mobile Tabelle: Werte als 2x2-Raster statt Liste */
  .tablecard tbody tr{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line)}
  .tablecard tbody tr:first-child{border-top:0}
  .tablecard td{border-top:0;padding:10px 16px}
  .tablecard td.prov-cell,.tablecard td.t-cta{grid-column:1/-1}
  .tablecard td.prov-cell{padding-top:16px}
  .tablecard td.t-cta{padding-bottom:16px}
  .tablecard td::before{font-size:var(--fs-xs);font-weight:700;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
}
.table-note{margin-top:14px}

/* Regeln: Poppins, navy/gold, keine border-left-Akzente, keine dunklen Panels,
   keine Verläufe, Karten getönt statt weiß-mit-grauem-Rahmen, Text in --ink ab 15 px. */
section{padding:76px 0}
.h2{font-size:32px;line-height:1.16}
.eyebrow{margin-bottom:10px}
/* ---------- Vergleich ---------- */
#vergleich{background:#fff}
.tablecard{box-shadow:var(--shadow);border-radius:18px;overflow:hidden}
.tablecard tbody tr.win{outline:2px solid var(--gold);outline-offset:-2px;background:#fff}
.tablecard tbody tr.win:hover{background:#fff}
.table-note{font-size:var(--fs-md);line-height:1.6;color:var(--ink);margin-top:16px}
/* ---------- Prämien ---------- */
#praemien{background:var(--bg-2)}
.deal-head{margin-bottom:26px}
.deal{background:#fff;border-radius:18px;box-shadow:none;padding:22px}
.deal:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.deal .bonus span{color:var(--navy)}
.frist{background:var(--control-bg);color:var(--ink);font-weight:500}
.deal-note{font-size:var(--fs-md);color:var(--ink);margin-top:16px}
/* ---------- 3 Schritte: kompakt, links ausgerichtet ---------- */
.sec-steps{background:#fff}
.sec-steps .h2{text-align:left;margin:0 0 26px!important}
.sec-steps .steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:0;max-width:none}
.sec-steps .stp,.sec-steps .stp:hover{background:var(--tile);border-radius:18px;padding:24px;text-align:left;box-shadow:none;min-height:0}
.sec-steps .stp:not(:last-child)::after{display:none}
.sec-steps .stp .n{position:static;width:36px;height:36px;margin:0 0 16px;border-radius:10px;background:#fff;color:var(--navy);box-shadow:none;font-size:var(--fs-base);font-weight:700;display:grid;place-items:center}
.sec-steps .stp h3{font-size:19px;font-weight:600;margin:0 0 6px;padding:0;color:var(--head)}
.sec-steps .stp p{font-size:var(--fs-md);line-height:1.55;max-width:none;margin:0}
/* ---------- Rechner: ein flaches navy-soft-Panel, keine Box in der Box ---------- */
#rechner{background:#fff;padding-top:0}
.calc.hcalc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;background:var(--navy-soft);border:0;border-radius:22px;padding:36px 40px;box-shadow:none;margin-top:24px}
.calc .esr-in{background:transparent;border:0;box-shadow:none;padding:0}
.calc .tool-head{display:none}
.calc .cs{padding:0 0 22px;border:0;margin:0}
.calc .cs + .cs{border-top:0}
.calc .cs label{font-size:var(--fs-md);font-weight:500;color:var(--ink)}
.calc .cs .v{font-weight:700;color:var(--head)}
.calc .esr-out{display:flex;flex-direction:column;justify-content:center;gap:22px}
.calc .resbig{background:transparent;border:0;box-shadow:none;padding:0}
.calc .rb-k{font-size:var(--fs-md);color:var(--ink)}
.calc .rb-v{font-size:52px;font-weight:700;letter-spacing:-.03em;color:var(--head);line-height:1.05;margin:6px 0 16px}
.calc .bar{height:12px;background:#fff;border-radius:99px}
.calc .pa{background:var(--navy-mid)}.calc .pb{background:var(--navy)}
.calc .csum{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.calc .csum > div{background:transparent;border:0;box-shadow:none;padding:0}
.calc .csum .k{font-size:var(--fs-md);color:var(--ink)}
.calc .csum .v{font-size:22px;font-weight:700;color:var(--head)}
.calc-note{font-size:var(--fs-md);color:var(--ink);margin-top:14px}
/* ---------- Themen: getönte Kacheln mit Hover ---------- */
#themen{background:var(--bg-2)}
#themen .h2{margin:0 0 26px!important}
.cats.cat-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:0}
.cat-list .cat{display:grid;grid-template-columns:44px 1fr 20px;column-gap:16px;align-items:start;background:#fff;border:0!important;border-radius:16px;padding:20px;box-shadow:none}
.cat-list .cat .ic{grid-row:1/3;width:44px;height:44px;margin:0;border-radius:12px;background:var(--navy-soft);color:var(--navy)}
.cat-list .cat h3{grid-column:2;font-size:var(--fs-lg);font-weight:600;margin:0 0 4px}
.cat-list .cat h3::after{display:none}
.cat-list .cat p{grid-column:2;font-size:var(--fs-md);line-height:1.5}
.cat-list .cat .more{grid-column:3;grid-row:1;margin:2px 0 0;color:var(--navy);font-size:var(--fs-lg);transition:transform .16s}
.cat-list .cat:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.cat-list .cat:hover .more{transform:translateX(3px);color:var(--navy)}
/* ---------- Vertrauen & Redaktion ---------- */
#redaktion{background:#fff}
.trust{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:start}
.trust-l .lead{color:var(--ink)}
.trust-team{border-top:0;margin-top:26px;padding-top:0}
.trust-team h3{font-size:18px;font-weight:600}
.trust-team p{font-size:var(--fs-md);color:var(--ink)}
.member{display:flex;gap:16px;align-items:center;background:var(--tile);border-radius:16px;padding:18px;box-shadow:none;margin-top:16px}
.member .av{width:64px;height:64px;border-radius:50%;margin:0;overflow:hidden;position:relative;background:var(--navy-soft);color:var(--navy);flex:none}
.member .av img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.member:hover{transform:none;box-shadow:none}
.mn{font-weight:600;font-size:var(--fs-lg)}
.mr{color:var(--ink);font-weight:400;font-size:var(--fs-md)}
.trust-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;list-style:none;margin:0;padding:0;border-top:0}
.trust-list li{display:block;background:var(--tile);border:0!important;border-radius:16px;padding:20px}
.trust-list li .tk{display:grid;place-items:center;width:30px;height:30px;background:#fff;color:var(--green-deep);margin-bottom:12px}
.trust-list li b{display:block;font-size:var(--fs-base);font-weight:600;color:var(--head)}
.trust-list li span:not(.tk){display:block;margin-top:4px;font-size:var(--fs-md);line-height:1.5;color:var(--ink)}
/* ---------- Ratgeber ---------- */
#ratgeber{background:var(--bg-2)}
.guides{margin-top:26px}
.guide{border:0;box-shadow:none;border-radius:18px}
.guide .ph{height:170px}
.guide .ph::after{display:none}
.guide .body{padding:20px}
.guide h3{font-size:18px;font-weight:600}
.guide .meta{font-size:var(--fs-md);color:var(--ink)}
.guide:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.guide:hover h3{color:var(--navy)}
/* ---------- FAQ + Abschluss ---------- */
#vertrauen{background:#fff}
.sec-cta{padding:0 0 84px;background:#fff}
.ctastrip{display:grid;grid-template-columns:1fr auto;align-items:center;column-gap:28px;row-gap:0;text-align:left;background:var(--navy-soft);border:0;border-radius:22px;padding:36px 40px}
.ctastrip h2{font-size:28px;margin:0}
.ctastrip p{margin:8px 0 0;max-width:560px;color:var(--ink);font-size:var(--fs-base)}
.ctastrip .btn{grid-column:2;grid-row:1/3}
/* ---------- Responsive ---------- */
@media(max-width:1020px){
  .cats.cat-list{grid-template-columns:repeat(2,minmax(0,1fr))}
  .trust{grid-template-columns:1fr;gap:30px}
}
@media(max-width:760px){
  section{padding:56px 0}
  .sec-steps .steps{grid-template-columns:1fr;gap:12px}
  .sec-steps .stp,.sec-steps .stp:last-child{padding:20px}
  .calc.hcalc{grid-template-columns:1fr;gap:28px;padding:24px 20px}
  .calc .rb-v{font-size:40px}
  .cats.cat-list{grid-template-columns:1fr}
  .trust-list{grid-template-columns:1fr}
  .ctastrip{grid-template-columns:1fr;padding:28px 22px}
  .ctastrip .btn{grid-column:auto;grid-row:auto;justify-content:center}
  .h2{font-size:27px}
}
/* Vergleich v5: Zeilen als ruhige Karten */
@media(min-width:761px){
  #vergleich .tablecard{background:transparent;box-shadow:none;border-radius:0;overflow:visible}
  #vergleich table{width:100%;border-collapse:separate;border-spacing:0 10px;margin-top:-6px}
  #vergleich th,#vergleich th.sortable{background:transparent;padding:0}
  #vergleich th{font-size:var(--fs-sm);font-weight:500;letter-spacing:0;text-transform:none;color:var(--ink);padding:0 16px 2px}
  #vergleich .table-sort{padding:6px 16px;border-radius:8px;letter-spacing:0;text-transform:none}
  #vergleich .table-sort-icon{position:static;transform:none;display:inline-block;margin-left:4px;color:var(--faint)}
  #vergleich th:first-child{padding-left:76px}
  #vergleich td{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:20px 16px;transition:border-color .16s,background .16s}
  #vergleich td:first-child{border-left:1px solid var(--line);border-radius:16px 0 0 16px}
  #vergleich td:last-child{border-right:1px solid var(--line);border-radius:0 16px 16px 0;padding-right:20px}
  #vergleich tbody tr,#vergleich tbody tr:hover,#vergleich tbody tr.win,#vergleich tbody tr.win:hover{background:transparent;outline:0;box-shadow:0 1px 2px rgba(20,34,75,.04),0 6px 20px rgba(20,34,75,.05);border-radius:16px}
  #vergleich tbody tr:hover td{border-color:var(--navy-line)}
  #vergleich tbody tr.win td{border-color:var(--gold);border-width:1.5px}
  #vergleich .prov-cell{width:36%}
  #vergleich td{padding-left:12px;padding-right:12px}
  #vergleich td:first-child{padding-left:20px}
  #vergleich td:last-child{padding-right:18px}
}
#vergleich .prov-cell{position:relative}
#vergleich .prov{gap:14px}
#vergleich .prov-cell .prov::before{content:attr(data-rank);display:none}
#vergleich .prov-cell[data-rank] .prov{padding-left:40px;position:relative}
#vergleich .prov-cell[data-rank]::before{content:attr(data-rank);position:absolute;left:20px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--tile);color:var(--head);font-size:var(--fs-md);font-weight:600;display:grid;place-items:center}
#vergleich tr.win .prov-cell[data-rank]::before{background:var(--gold);color:var(--on-gold)}
#vergleich .plogo{width:46px;height:46px;border-radius:12px;background:#fff;box-shadow:0 0 0 1px var(--line)}
#vergleich .plogo img{padding:4px}
#vergleich .plogo img[src*="consorsbank"]{padding:0;object-fit:cover;object-position:50% 0}
#vergleich .pn{font-size:var(--fs-lg);font-weight:600;color:var(--head)}
#vergleich .ptag{font-size:var(--fs-md);font-weight:400;margin-top:2px}
#vergleich .val{font-size:var(--fs-base);font-weight:600;color:var(--head);white-space:nowrap}
#vergleich .score{min-width:50px;height:40px;border-radius:10px;font-size:18px;font-weight:700}
#vergleich .t-cta .btn{padding:11px 18px;font-size:var(--fs-md)}
#vergleich .t-cta .t-test{margin-left:12px;font-size:var(--fs-md);font-weight:600}
#vergleich .table-note{font-size:var(--fs-md);line-height:1.6;color:var(--ink);margin-top:8px;max-width:900px}
@media(max-width:760px){
  #vergleich .prov-cell[data-rank] .prov{padding-left:38px}
  #vergleich .prov-cell[data-rank]::before{left:16px;top:28px;transform:none}
  #vergleich tbody tr.win{outline:1.5px solid var(--gold);outline-offset:-1.5px;border-radius:16px}
}
/* Prämien v5: einheitliche Karten */
#praemien .deals{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;align-items:stretch}
#praemien .deal{display:flex;flex-direction:column;background:#fff;border:0;border-radius:18px;padding:24px;box-shadow:0 1px 2px rgba(20,34,75,.04),0 6px 20px rgba(20,34,75,.05);transition:box-shadow .18s,transform .18s}
#praemien .deal:hover{transform:translateY(-2px);box-shadow:0 14px 36px rgba(20,34,75,.10)}
#praemien .dhead{display:flex;align-items:center;gap:12px;margin:0 0 20px}
#praemien .deal .plogo{width:42px;height:42px;border-radius:11px;background:#fff;box-shadow:0 0 0 1px var(--line);flex:none}
#praemien .deal .plogo img{padding:4px}
#praemien .deal .plogo img[src*="consorsbank"]{padding:0;object-fit:cover;object-position:50% 0}
#praemien .deal .plogo:has(img.lg){width:92px}
#praemien .deal .plogo:has(img.lg) img.lg{padding:8px 12px}
#praemien .deal .plogo:has(img.lg) + .dn{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
#praemien .dn{font-size:var(--fs-base);font-weight:600;color:var(--head)}
#praemien .frist,#praemien .frist-d{margin-left:auto;background:var(--control-bg);color:var(--ink);font-size:var(--fs-sm);font-weight:500;padding:4px 10px;border-radius:8px;border:0;white-space:nowrap}
#praemien .bonus{font-size:var(--fs-lg);font-weight:600;color:var(--head);line-height:1.2;margin:0 0 10px}
#praemien .bonus span{display:block;font-size:34px;font-weight:700;letter-spacing:-.02em;color:var(--navy);margin-bottom:2px}
#praemien .dtext{font-size:var(--fs-md);line-height:1.55;color:var(--ink);margin:0 0 22px}
#praemien .deal-cta{margin-top:auto;display:flex;align-items:center;gap:16px;padding-top:18px;border-top:1px solid var(--line)}
#praemien .deal-cta .btn{padding:11px 18px;font-size:var(--fs-md)}
#praemien .deal-cta .t-test{font-size:var(--fs-md);font-weight:600}
#praemien .deal-note{font-size:var(--fs-md);line-height:1.6;max-width:900px;margin-top:16px}
@media(max-width:900px){#praemien .deals{grid-template-columns:1fr}}
/* 3 Schritte v5: links Überschrift + CTA, rechts Zeitleiste */
.sec-steps .steps-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
.sec-steps .steps-intro{position:sticky;top:110px}
.sec-steps .steps-intro .h2{margin:0 0 24px!important}
.sec-steps ol.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:0}
.sec-steps ol.steps .stp,.sec-steps ol.steps .stp:hover{display:grid;grid-template-columns:44px 1fr;column-gap:20px;background:none;border-radius:0;padding:0 0 30px;position:relative}
.sec-steps ol.steps .stp:last-child{padding-bottom:0}
.sec-steps ol.steps .stp:not(:last-child)::after{display:block;content:"";position:absolute;left:21px;top:50px;bottom:6px;width:2px;height:auto;right:auto;background:var(--navy-line);border-radius:2px}
.sec-steps ol.steps .stp .n{width:44px;height:44px;margin:0;border-radius:50%;background:var(--navy-soft);color:var(--navy);font-size:var(--fs-lg);font-weight:700}
.sec-steps ol.steps .stp:first-child .n{background:var(--navy);color:#fff}
.sec-steps ol.steps .stp:last-child .n{background:var(--green-deep);color:#fff}
.sec-steps ol.steps .stp h3{font-size:19px;font-weight:600;margin:9px 0 6px}
.sec-steps ol.steps .stp p{font-size:var(--fs-base);line-height:1.6;max-width:520px}
.stp-link{display:inline-block;margin-top:8px;font-size:var(--fs-md);font-weight:600;color:var(--navy)}
.stp-link:hover{text-decoration:underline;text-underline-offset:3px}
@media(max-width:860px){.sec-steps .steps-grid{grid-template-columns:1fr;gap:28px}.sec-steps .steps-intro{position:static}.sec-steps .steps-intro .btn{display:none}}
/* Rechner v5: Regler mit Füllung, Wachstumskurve */
#rechner .calc.hcalc{padding:36px 40px;gap:56px}
#rechner .calc .cs{padding:0 0 26px}
#rechner .calc .cs:last-child{padding-bottom:0}
#rechner .calc .cs label{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
#rechner .calc .cs .v{background:#fff;border-radius:9px;padding:5px 12px;font-size:var(--fs-base);font-weight:700;color:var(--head);min-width:76px;text-align:center}
#rechner .hcalc input[type=range]{height:8px;border-radius:99px;background:linear-gradient(var(--navy),var(--navy)) 0/var(--p,50%) 100% no-repeat,#fff}
#rechner .hcalc input[type=range]::-webkit-slider-thumb{width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--navy);box-shadow:0 2px 6px rgba(20,34,75,.2)}
#rechner .hcalc input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--navy)}
#rechner .rng{display:flex;justify-content:space-between;margin-top:8px;font-size:var(--fs-sm);color:var(--ink)}
#rechner .calc .rb-v{font-size:48px;margin:4px 0 14px}
#rechner .calc .bar{display:none}
#rechner .growth{display:block;width:100%;height:130px;margin:4px 0 6px}
#rechner .growth .g-gain{fill:var(--navy)}
#rechner .growth .g-paid{fill:var(--navy-mid)}
#rechner .g-axis{display:flex;justify-content:space-between;font-size:var(--fs-sm);color:var(--ink);padding-top:6px;border-top:1px solid var(--navy-line)}
#rechner .calc .csum{gap:20px}
#rechner .calc-after{margin-top:20px}
#rechner .calc-note{font-size:var(--fs-md);margin-top:14px}
@media(max-width:760px){#rechner .hcalc .csum{grid-template-columns:1fr 1fr;gap:16px}#rechner .hcalc .csum>div{display:block}#rechner .hcalc .csum .v{font-size:19px}#rechner .calc.hcalc{padding:24px 20px;gap:32px}#rechner .calc .rb-v{font-size:38px}#rechner .calc-after .btn{width:100%;justify-content:center}}
/* Themen v5: kompakte Kacheln, sauberer Hover */
#themen .cats.cat-list{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
#themen .cat-list .cat,#themen .cat-list .cat:nth-child(-n+3){position:relative;display:grid;grid-template-columns:48px minmax(0,1fr);grid-template-rows:auto auto;column-gap:16px;row-gap:4px;align-items:start;padding:22px 54px 22px 22px;background:#fff;border:0!important;border-radius:16px;box-shadow:0 1px 2px rgba(20,34,75,.04),0 6px 20px rgba(20,34,75,.05);transition:box-shadow .18s,transform .18s}
#themen .cat-list .cat .ic,#themen .cat-list .cat:hover .ic{grid-row:1/3;grid-column:1;width:48px;height:48px;margin:0;border-radius:13px;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;transition:background .18s,color .18s}
#themen .cat-list .cat .ic svg{width:22px;height:22px}
#themen .cat-list .cat:hover .ic{background:var(--navy);color:#fff}
#themen .cat-list .cat h3{grid-row:1;grid-column:2;font-size:var(--fs-lg);font-weight:600;line-height:1.3;margin:2px 0 0;color:var(--head)}
#themen .cat-list .cat p{grid-row:2;grid-column:2;margin:0;font-size:var(--fs-md);line-height:1.5;color:var(--ink)}
#themen .cat-list .cat .more{position:absolute;top:22px;right:22px;margin:0;color:var(--navy)}
#themen .cat-list .cat .ar{font-size:18px}
#themen .cat-list .cat:hover{transform:translateY(-2px);box-shadow:0 14px 36px rgba(20,34,75,.10)}
#themen .cat-list .cat:hover h3{color:var(--navy)}
@media(max-width:980px){#themen .cats.cat-list{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){#themen .cats.cat-list{grid-template-columns:1fr;gap:10px}#themen .cat-list .cat,#themen .cat-list .cat:nth-child(-n+3){padding:18px 48px 18px 18px}}
/* Vertrauen v5: kompakter, ohne doppelte Fußzeile */
#redaktion .trust{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
#redaktion .trust-btn{margin-top:20px}
#redaktion .member{padding:20px;gap:18px}
#redaktion .trust-list{grid-template-columns:1fr;gap:10px}
#redaktion .trust-list li{display:grid;grid-template-columns:32px 1fr;column-gap:16px;row-gap:0;align-items:start;padding:16px 20px;border-radius:16px;background:var(--tile)}
#redaktion .trust-list li .tk{grid-row:1;width:32px;height:32px;margin:0;background:#fff;color:var(--green-deep);border-radius:50%}
#redaktion .trust-list li .tk svg{width:15px!important;height:15px!important}
#redaktion .trust-list li b{font-size:var(--fs-base);line-height:1.35;margin-top:4px}
#redaktion .trust-list li span:not(.tk){margin-top:4px}
@media(max-width:1020px){#redaktion .trust{grid-template-columns:1fr;gap:30px}}
@media(max-width:760px){#redaktion .trust-list{grid-template-columns:1fr;gap:10px}#redaktion .trust-btn{width:100%;justify-content:center}}
/* Ratgeber v5 */
#ratgeber .guides{gap:16px}
#ratgeber .guide{display:flex;flex-direction:column;background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 1px 2px rgba(20,34,75,.04),0 6px 20px rgba(20,34,75,.05);transition:box-shadow .18s,transform .18s}
#ratgeber .guide:hover{transform:translateY(-2px);box-shadow:0 14px 36px rgba(20,34,75,.10)}
#ratgeber .guide .ph{height:180px;padding:14px;border-radius:0}
#ratgeber .guide .ph img{transition:transform .4s ease}
#ratgeber .guide:hover .ph img{transform:scale(1.04)}
#ratgeber .guide .ph span{font-size:var(--fs-sm);font-weight:700;letter-spacing:.08em;padding:4px 9px;border-radius:7px;background:#fff;border:0;color:var(--navy);box-shadow:0 1px 3px rgba(20,34,75,.12)}
#ratgeber .guide .body{display:flex;flex-direction:column;flex:1;padding:20px 22px 18px}
#ratgeber .guide h3{font-size:18px;font-weight:600;line-height:1.35;margin:0 0 8px;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
#ratgeber .guide p{font-size:var(--fs-md);line-height:1.55}
#ratgeber .guide .meta{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:auto;padding-top:14px;border-top:1px solid var(--line);font-size:var(--fs-md);color:var(--ink)}
#ratgeber .guide .body p{margin-bottom:16px}
#ratgeber .m-time{display:inline-flex;align-items:center;gap:6px}
#ratgeber .m-time svg{width:15px;height:15px;color:var(--navy)}
@media(max-width:900px){#ratgeber .guides{grid-template-columns:1fr}}
/* FAQ v5: zweispaltig, getönte Fragen */
#vertrauen .faq-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
#vertrauen .faq-intro{position:sticky;top:110px}
#vertrauen .faq-intro .h2{margin:0}
#vertrauen .faq-intro .lead{margin:10px 0 0;color:var(--ink)}
#vertrauen .faq-more{margin-top:22px;font-size:var(--fs-md);color:var(--ink)}
#vertrauen .faq-more a{font-weight:600;color:var(--navy);white-space:nowrap}
#vertrauen .faq-more a:hover{text-decoration:underline;text-underline-offset:3px}
#vertrauen .faq{max-width:none;margin:0;border-top:0;display:grid;gap:10px}
#vertrauen .faq details{background:var(--tile);border:0;border-radius:14px;padding:0 22px;transition:background .18s}
#vertrauen .faq details:hover{background:var(--tile-2)}
#vertrauen .faq summary{padding:18px 0;font-size:var(--fs-lg);font-weight:600}
#vertrauen .faq summary .pm{background:#fff}
#vertrauen .faq .fa{padding:0 0 20px;font-size:var(--fs-base);line-height:1.65}
@media(max-width:860px){#vertrauen .faq-grid{grid-template-columns:1fr;gap:24px}#vertrauen .faq-intro{position:static}#vertrauen .faq details{padding:0 18px}}
/* Abschluss-CTA v5 */
.sec-cta .ctastrip{grid-template-columns:1fr auto;row-gap:0;padding:40px 44px}
.sec-cta .ctastrip h2{font-size:28px}
.sec-cta .ctastrip .btn{grid-column:2;grid-row:1/3;padding:15px 26px}
.cta-quick{grid-column:1/-1;display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-top:26px;padding-top:22px;border-top:1px solid var(--navy-line)}
.cta-quick span{font-size:var(--fs-md);color:var(--ink);margin-right:4px}
.cta-quick a{background:#fff;color:var(--navy);font-size:var(--fs-md);font-weight:600;padding:8px 14px;border-radius:9px;transition:background .16s,color .16s}
.cta-quick a:hover{background:var(--navy);color:#fff}
@media(max-width:760px){.sec-cta .ctastrip{grid-template-columns:1fr;padding:28px 22px}.sec-cta .ctastrip p{grid-column:1}.sec-cta .ctastrip .btn{grid-column:auto;grid-row:auto;margin-top:18px}.cta-quick span{width:100%}}
/* Topbar v5 */
.topbar{border-bottom:0}
.promo{padding:8px 22px;font-size:var(--fs-md);gap:8px 14px}
.promo .tag{font-size:var(--fs-sm);padding:3px 8px;border-radius:6px;letter-spacing:.08em}
.promo .pcta{display:inline-flex;align-items:center;gap:4px}
.promo .pcta::after{content:"↗";font-size:.85em}
/* Hero-Feinschliff 24.10.2026 (zentriertes Layout bleibt) */
.hero{padding:64px 0 72px}
.hero .hero-eb{display:inline-flex;margin:0 0 18px}
.hero h1{font-size:46px;line-height:1.08;letter-spacing:-.032em;max-width:900px}
.hero .lead{max-width:640px;margin:18px auto 0;font-size:17.5px;line-height:1.6;color:var(--ink)}
.hero-cta{margin-top:30px;gap:24px}
.hero-cta .btn{padding:15px 26px}
.hero-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:var(--fs-md);color:var(--navy);padding:10px 2px;border-bottom:1.5px solid transparent}
.hero-link:hover{border-bottom-color:var(--navy)}
.hero-link span{transition:transform .16s}.hero-link:hover span{transform:translateY(2px)}
.hero-facts{display:flex;justify-content:center;list-style:none;margin:36px 0 0;padding:0}
.hero-facts li{padding:0 28px;border-left:1px solid var(--line-2);text-align:center}
.hero-facts li:first-child{border-left:0}
.hero-facts b{display:block;font-size:26px;font-weight:700;line-height:1.1;color:var(--head);letter-spacing:-.02em}
.hero-facts span{display:block;margin-top:4px;font-size:var(--fs-md);color:var(--ink)}
.hero-facts .home-updated{margin:0;font-size:inherit;color:inherit}
.hero-facts .home-updated b::after{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--green);margin-left:8px;vertical-align:5px}
.hero-logos{display:flex;justify-content:center;align-items:center;gap:10px;margin:26px auto 0}
.hero-logos span{font-size:var(--fs-md);color:var(--ink);margin-right:6px;white-space:nowrap}
.hero-logos .hero-logo{width:34px;height:34px;flex:0 0 34px;border-radius:10px;background:#fff;padding:4px;box-shadow:0 1px 2px rgba(20,34,75,.08)}
.hero-logos img{display:block;width:26px;height:26px;border-radius:6px;object-fit:contain}
.hero-logos img.fill{object-fit:cover;object-position:50% 0;background:#0BA5C4}
/* Finder: kompakter, ruhiger */
.finder{max-width:820px;margin-top:44px;padding:28px 30px}
.finder-top{align-items:center}
.finder h2{font-size:22px}
.finder .sm{font-size:var(--fs-sm);font-weight:500;color:var(--ink);background:var(--control-bg);border-radius:8px;padding:4px 10px}
.progress{height:6px}
.q{font-size:var(--fs-lg);margin-bottom:14px}
.opts{gap:12px}
.opt{min-height:0;padding:18px 14px 16px;border:1px solid transparent;background:var(--tile);border-radius:16px;gap:4px;transition:background .16s,border-color .16s,transform .16s}
.opt .ic{width:44px;height:44px;margin:0 auto 8px;border-radius:12px;background:#fff;color:var(--navy)}
.opt b{font-size:var(--fs-base);font-weight:600}
.opt small{font-size:var(--fs-md);color:var(--ink)}
.opt:hover{background:var(--navy-soft);border-color:var(--navy-line);box-shadow:none;transform:translateY(-2px)}
.opt:hover .ic{background:#fff;box-shadow:none}
.finder-foot{font-size:var(--fs-md);color:var(--ink)}
@media(max-width:760px){
  .hero{padding:40px 0 52px}
  .hero h1{font-size:33px}
  .hero .lead{font-size:var(--fs-base)}
  .hero-cta{gap:8px}
  .hero-cta .btn,.hero-link{width:100%;justify-content:center}
  .hero-facts li{padding:0 12px}
  .hero-facts b{font-size:20px}
  .hero-facts span{font-size:var(--fs-sm)}
  .hero-logos{flex-wrap:wrap}
  .hero-logos span{width:100%;text-align:center;margin:0 0 2px}
  .finder{padding:20px}
  .opt{padding:14px 16px}
  .opt .ic{margin:0;background:#fff}
}
section[id]{scroll-margin-top:72px}
/* ehemals style-Attribute */
.sec-head-row--sp{display:flex !important;justify-content:space-between !important;align-items:flex-end !important;flex-wrap:wrap !important;gap:14px !important;margin:14px 0 24px !important}
.sec-head-row{display:flex !important;justify-content:space-between !important;align-items:flex-end !important;flex-wrap:wrap !important;gap:14px !important}
/* 29.10.2026: Ratgeber-Karten – Meta-Zeile nicht zweizeilig umbrechen (Lesezeit + Datum je in einer Zeile, kleiner, gedämpft) */
#ratgeber .guide .meta{flex-wrap:wrap;row-gap:4px;font-size:var(--fs-sm);color:var(--muted)}
#ratgeber .guide .meta>span{white-space:nowrap}
#ratgeber .guide .meta .m-time{display:inline-flex;align-items:center;gap:6px}

/* Note ohne Plakette (31.10.2026) */
.score{background:none;color:var(--head)}

/* DR-548 (31.10.2026, Variante B): Depot-Finder der Startseite wie alle interaktiven Blöcke hellblau leuchtend
   (gleiche Werte wie in ad24-common-blocks.css; die Startseite bindet common-blocks nicht ein). */
.finder{border:1.5px solid #8EB4F8;box-shadow:0 0 0 7px rgba(110,160,245,.22),0 10px 30px rgba(20,34,75,.06)}
.finder .opt:hover{border-color:#8EB4F8;box-shadow:0 0 0 4px rgba(110,160,245,.22)}

/* 01.11.2026: Antwortkacheln im Depot-Finder etwas dunkler, damit sie sich vom weißen Block abheben (vorher --tile #F7F8FB) */
.finder .opt{background:var(--control-bg)}
.finder .opt:hover{background:var(--control-hover)}