:root {
  --ink: #173432;
  --muted: #5e706d;
  --cream: #f8f5ed;
  --paper: #fffdf8;
  --mint: #cfe9dd;
  --teal: #0e7268;
  --coral: #ee8068;
  --sun: #f4c75e;
  --line: #dce5df;
  --shadow: 0 20px 60px rgba(23, 52, 50, .12);
  --radius: 28px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
  overflow-x: hidden;
}
a { color: inherit; }
.wrap { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.topline { background: var(--ink); color: #fff; font-size: .78rem; text-align: center; padding: 8px 16px; letter-spacing: .02em; }
header { position: sticky; top: 0; z-index: 10; background: rgba(248,245,237,.88); backdrop-filter: blur(18px); border-bottom: 1px solid rgba(23,52,50,.08); }
.nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display:grid; grid-template-columns:44px auto; grid-template-rows:auto auto; column-gap:11px; align-items:center; text-decoration:none; color:var(--ink); font-size:1.6rem; line-height:1; font-weight:900; letter-spacing:-.055em; }
.brand::after { content:"Tipps aus dem echten Leben"; grid-column:2; margin-top:4px; font-size:.62rem; line-height:1.2; font-weight:700; letter-spacing:.025em; color:var(--muted); }
.brandmark { grid-row:1 / span 2; width:44px; height:44px; display:grid; place-items:center; background:var(--teal); border-radius:50% 50% 50% 7px; box-shadow:0 5px 14px rgba(14,114,104,.16); }
.brandmark::before { content:"P"; color:#fff; font-size:1.35rem; line-height:1; font-weight:900; letter-spacing:-.06em; transform:translateX(-1px); }
nav { display: flex; gap: 28px; align-items: center; }
nav a { text-decoration: none; font-size: .93rem; font-weight: 650; }
.nav-cta, .button { display: inline-flex; align-items: center; justify-content: center; gap: 8px; border: 0; border-radius: 999px; padding: 13px 20px; background: var(--teal); color: white; font-weight: 750; text-decoration: none; cursor: pointer; transition: .2s ease; }
.nav-cta:hover, .button:hover { transform: translateY(-2px); background: #095e56; }
.button.secondary { background: transparent; color: var(--ink); border: 1px solid rgba(23,52,50,.22); }
.hero { padding: 78px 0 64px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.eyebrow { display: inline-flex; align-items:center; gap:8px; color: var(--teal); font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; font-weight: 850; }
.eyebrow::before { content:""; width: 26px; height: 2px; background: var(--coral); }
h1 { font-size: clamp(3.1rem, 7vw, 6.6rem); line-height: .92; letter-spacing: -.075em; margin: 20px 0 26px; max-width: 780px; }
h1 em { font-family: Georgia, serif; font-weight: 500; color: var(--teal); }
.lead { font-size: clamp(1.08rem, 2vw, 1.3rem); max-width: 620px; color: var(--muted); margin: 0 0 32px; }
.personal-note, .personal-bubble { position:relative; display:flex; align-items:flex-start; gap:15px; padding:20px 22px; background:#e7f3ed; border:1px solid rgba(14,114,104,.12); border-radius:22px; color:#49625e; }
.personal-note { width:min(100%,570px); margin:-8px 0 32px; font-size:.94rem; }
.personal-note::after, .personal-bubble::after { content:none; }
.personal-note strong, .personal-bubble strong { display:block; margin:1px 0 4px; color:var(--ink); font-family:Georgia,serif; font-size:1.08rem; font-style:italic; }
.personal-note p, .personal-bubble p { margin:0; }
.personal-bubble { margin:30px 0 38px; }
.compare-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:12px; margin:24px 0; }
.compare-grid.three { grid-template-columns:repeat(3,minmax(0,1fr)); }
.compare-card { min-width:0; padding:20px; border-radius:20px; background:var(--mint); border:1px solid rgba(14,114,104,.1); }
.compare-card.coral { background:#f7ddd6; border-color:rgba(238,128,104,.18); }
.compare-card .visual-icon { display:grid; place-items:center; width:42px; height:42px; margin-bottom:14px; border-radius:12px; background:rgba(255,255,255,.72); color:var(--teal); }
.compare-card strong { display:block; margin-bottom:7px; color:var(--ink); }
.compare-card p { margin:0; color:#49625e; font-size:.94rem; }
.compare-card small { display:block; margin-top:12px; color:var(--muted); line-height:1.45; }
.guide-grid .compare-card { display:flex; flex-direction:column; }
.path-number { display:inline-flex; align-items:center; justify-content:center; width:42px; height:42px; margin-bottom:14px; border-radius:12px; background:rgba(255,255,255,.72); color:var(--teal); font-family:Georgia,serif; font-size:1.05rem; font-weight:700; }
.text-link { color:var(--teal); font-weight:800; text-decoration-thickness:1px; text-underline-offset:3px; }
.visual-caption { margin:14px 0 26px; color:var(--muted); font-size:.9rem; }
.table-scroll { width:100%; max-width:100%; min-width:0; overflow-x:auto; margin:24px 0 12px; border:1px solid var(--line); border-radius:20px; background:var(--paper); }
.compare-table { width:100%; min-width:590px; border-collapse:collapse; text-align:left; }
.compare-table th { padding:14px 16px; background:var(--ink); color:white; font-size:.82rem; }
.compare-table td { padding:16px; border-top:1px solid var(--line); vertical-align:top; font-size:.92rem; }
.status { display:inline-block; padding:6px 9px; border-radius:999px; font-size:.76rem; line-height:1.2; font-weight:800; }
.status.essential { background:var(--mint); color:#225a52; }
.status.personal { background:#f8e8bd; color:#694f14; }
.status.optional { background:#f7ddd6; color:#7b3e32; }
.income-flow { display:grid; grid-template-columns:1fr auto 1fr auto 1fr; gap:10px; align-items:center; margin:24px 0 12px; }
.income-flow div { min-width:0; min-height:128px; padding:16px; border-radius:18px; background:var(--paper); border:1px solid var(--line); }
.income-flow div:last-child { background:#f7ddd6; }
.income-flow span { display:block; color:var(--teal); font-family:Georgia,serif; font-size:1.35rem; }
.income-flow strong, .income-flow small { display:block; }
.income-flow small { margin-top:5px; color:var(--muted); line-height:1.35; }
.income-flow b { color:var(--coral); font-size:1.3rem; }
.actions { display:flex; flex-wrap: wrap; gap: 12px; }
.trust { margin-top: 28px; display:flex; gap:22px; flex-wrap:wrap; color:var(--muted); font-size:.86rem; }
.trust span::before { content:"✓"; color:var(--teal); font-weight:900; margin-right:7px; }
.hero-card { min-width:0; min-height:clamp(560px,49vw,620px); border-radius:44px; background:#173432; color:white; padding:clamp(24px,3vw,34px); position:relative; display:flex; flex-direction:column; container-type:inline-size; box-shadow:var(--shadow); overflow:hidden; }
.hero-card::before { content:""; position:absolute; width:320px; height:320px; border-radius:50%; background:var(--mint); opacity:.16; top:-130px; right:-90px; }
.hero-card::after { content:""; position:absolute; width:170px; height:170px; border-radius:50%; border:36px solid var(--coral); opacity:.85; bottom:-75px; left:-60px; }
.month { color:#b9d7cf; font-size:.8rem; text-transform:uppercase; letter-spacing:.13em; font-weight:800; }
.hero-card-meta { position:relative; z-index:1; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:10px 12px; }
.example-badge { display:inline-flex; padding:6px 10px; border-radius:999px; background:rgba(255,255,255,.12); color:#dbe9e5; font-size:.68rem; line-height:1; font-weight:800; letter-spacing:.04em; text-transform:uppercase; }
.saving { font-size:clamp(4rem,9vw,7rem); font-size:clamp(4rem,22cqw,7rem); line-height:1; letter-spacing:-.08em; margin:clamp(28px,10cqw,52px) 0 4px; position:relative; z-index:1; }
.saving sup { font-size:.34em; vertical-align:top; margin-left:8px; color:var(--sun); }
.small { position:relative; z-index:1; color:#c6d7d4; max-width:100%; margin:0 0 24px; }
.annual-saving { display:block; margin-top:.35rem; color:#fff; font-size:.9em; font-weight:750; }
.receipt { position:relative; z-index:2; width:min(100%,310px); margin:auto 0 0 auto; background:var(--paper); color:var(--ink); border-radius:22px; padding:20px; transform:rotate(2deg); transform-origin:center; box-shadow:0 18px 50px rgba(0,0,0,.25); }
.receipt-row { display:flex; justify-content:space-between; border-bottom:1px dashed var(--line); padding:10px 0; font-size:.85rem; }
.receipt-row:last-child { border:0; color:var(--teal); font-weight:850; }
section { padding: 72px 0; }
.section-head { display:flex; justify-content:space-between; gap:30px; align-items:end; margin-bottom:28px; }
h2 { font-size:clamp(2.1rem, 4.5vw, 4rem); line-height:1; letter-spacing:-.055em; margin:12px 0; }
.section-head p { max-width:480px; color:var(--muted); }
.cards { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.card { background:var(--paper); border:1px solid rgba(23,52,50,.08); border-radius:var(--radius); padding:28px; min-height:300px; display:flex; flex-direction:column; transition:.25s ease; text-decoration:none; }
.card:hover { transform:translateY(-5px); box-shadow:var(--shadow); }
.card-icon { width:54px; height:54px; display:grid; place-items:center; border-radius:18px; background:var(--mint); font-size:1.5rem; }
.card-icon svg, .visual-icon svg { width:25px; height:25px; fill:none; stroke:currentColor; stroke-width:1.8; stroke-linecap:round; stroke-linejoin:round; }
.card:nth-child(2) .card-icon { background:#f7d8d0; }
.card:nth-child(3) .card-icon { background:#f9e8b9; }
.card h3 { font-size:1.45rem; margin:24px 0 8px; letter-spacing:-.03em; }
.card p { color:var(--muted); margin:0; }
.card-link { margin-top:auto; padding-top:26px; color:var(--teal); font-weight:800; }
.how { background:var(--mint); border-radius:44px; padding:55px; }
.steps { display:grid; grid-template-columns:repeat(3,1fr); gap:30px; margin-top:36px; }
.step-num { font-family:Georgia,serif; color:var(--teal); font-size:2.2rem; }
.step h3 { margin:8px 0; }
.step p { color:#49625e; }
.articles { display:grid; grid-template-columns:1.15fr .85fr .85fr; gap:18px; }
.article { min-height:360px; border-radius:var(--radius); padding:28px; background:var(--paper); display:flex; flex-direction:column; text-decoration:none; border:1px solid rgba(23,52,50,.08); }
.article:first-child { background:var(--mint); color:var(--ink); }
.article .tag { font-size:.74rem; font-weight:850; text-transform:uppercase; letter-spacing:.1em; }
.article h3 { font-size:1.6rem; line-height:1.15; letter-spacing:-.035em; margin:16px 0; }
.article p { opacity:.76; }
.article .read { margin-top:auto; font-weight:800; }
.directory-section { padding-top:24px; }
.topic-directory { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:18px; }
.topic-directory > div { min-width:0; padding:26px; border:1px solid rgba(23,52,50,.08); border-radius:var(--radius); background:var(--paper); }
.topic-directory > div:nth-child(2) { background:var(--mint); }
.topic-directory h3 { margin:0 0 16px; font-size:1.25rem; letter-spacing:-.025em; }
.topic-directory a { display:block; padding:10px 0; border-top:1px solid var(--line); color:var(--teal); font-weight:750; text-decoration:none; }
.topic-directory a:hover { text-decoration:underline; text-underline-offset:3px; }
.affiliate { background:var(--ink); color:#fff; border-radius:44px; padding:52px; display:grid; grid-template-columns:1fr 1fr; gap:48px; }
.affiliate p { color:#c5d5d2; }
.affiliate .note { background:rgba(255,255,255,.08); padding:24px; border-radius:22px; font-size:.92rem; }
footer { padding:50px 0 32px; }
.footer-grid { display:grid; grid-template-columns:1.3fr 1fr 1fr; gap:40px; border-top:1px solid var(--line); padding-top:40px; }
footer h4 { margin:0 0 14px; }
footer a { display:block; color:var(--muted); text-decoration:none; margin:8px 0; }
footer .brand { display:grid; width:max-content; color:var(--ink); }
.copyright { color:var(--muted); font-size:.8rem; margin-top:34px; }
.toast { position:fixed; left:50%; bottom:26px; transform:translate(-50%, 30px); opacity:0; pointer-events:none; background:var(--ink); color:#fff; padding:15px 20px; border-radius:14px; box-shadow:var(--shadow); transition:.25s ease; z-index:30; text-align:center; width:min(440px,calc(100% - 32px)); }
.toast.show { opacity:1; transform:translate(-50%,0); }
.page-hero { padding:70px 0 34px; max-width:820px; }
.page-hero h1 { font-size:clamp(2.9rem,7vw,5.6rem); hyphens:auto; overflow-wrap:break-word; }
.article-body { display:grid; grid-template-columns:minmax(0,720px) 300px; gap:54px; align-items:start; }
.article-body main { min-width:0; width:100%; background:var(--paper); padding:42px; border-radius:var(--radius); }
.article-body h2 { font-size:2rem; margin-top:42px; }
.article-body h3 { margin-top:28px; }
.check-list { padding-left:1.25rem; }
.check-list li { margin:14px 0; padding-left:4px; }
.article-body aside { position:sticky; top:110px; background:var(--mint); padding:26px; border-radius:24px; }
.article-body aside .button { width:100%; margin-top:12px; }
.article-body aside small { display:block; margin-top:12px; color:var(--muted); }
.link-stack { display:grid; gap:10px; margin-top:18px; }
.link-stack .button { margin-top:0; }
.calculator-section { padding-top:54px; }
.calculator-head { max-width:760px; margin-bottom:28px; }
.calculator-head p { color:var(--muted); font-size:1.05rem; }
.comparison-note { margin-top:18px; padding:16px 18px; background:var(--mint); border-radius:16px; color:#35524e; font-size:.94rem; }
.horse-note { display:flex; align-items:flex-start; gap:14px; margin:22px 0 0; padding:18px 20px; background:#f8e8bd; border-radius:18px; color:#5f4c21; }
.horse-note .visual-icon { flex:0 0 auto; display:grid; place-items:center; width:42px; height:42px; border-radius:12px; background:rgba(255,255,255,.62); color:var(--teal); }
.horse-note strong { display:block; margin-bottom:3px; color:var(--ink); }
.horse-note p { margin:0; }
.horse-hero { position:relative; }
.horse-hero::after { content:""; display:block; width:min(520px,72%); height:8px; margin-top:34px; border-radius:999px; background:linear-gradient(90deg,var(--teal) 0 31%,var(--sun) 31% 62%,var(--coral) 62%); }
.horse-overview { padding-top:26px; }
.horse-line { display:grid; grid-template-columns:1fr auto 1fr auto 1fr; gap:14px; align-items:stretch; }
.horse-line > div { min-width:0; padding:24px; border:1px solid var(--line); border-radius:22px; background:var(--paper); }
.horse-line > div:nth-of-type(2) { background:#f8e8bd; }
.horse-line > div:nth-of-type(3) { background:var(--mint); }
.horse-line strong, .horse-line p { display:block; }
.horse-line strong { margin:2px 0 7px; font-size:1.08rem; }
.horse-line p { margin:0; color:var(--muted); font-size:.92rem; }
.horse-line b { align-self:center; color:var(--coral); font-size:1.5rem; }
.horse-table { min-width:680px; }
.horse-detail-grid { display:grid; grid-template-columns:1.1fr .9fr; gap:42px; align-items:start; }
.horse-check { padding:30px; border-radius:28px; background:var(--ink); color:#fff; box-shadow:var(--shadow); }
.horse-check strong { display:block; font-size:1.35rem; }
.horse-check ul { margin:18px 0 0; padding:0; list-style:none; }
.horse-check li { position:relative; padding:11px 0 11px 30px; border-top:1px solid rgba(255,255,255,.13); }
.horse-check li::before { content:""; position:absolute; left:0; top:16px; width:13px; height:13px; border:2px solid var(--sun); border-radius:4px; }
.calculator-shell { width:100%; max-width:100%; min-width:0; min-height:520px; padding:28px; overflow:hidden; background:var(--paper); border:1px solid rgba(23,52,50,.08); border-radius:var(--radius); box-shadow:var(--shadow); }
.tariff-widget { width:100% !important; max-width:900px !important; min-width:0 !important; margin:0 auto; overflow:hidden; }
.tariff-widget iframe { display:block; width:100% !important; max-width:100% !important; min-width:0 !important; border:0; }
.callout { background:#f8e8bd; border-radius:18px; padding:20px; margin:26px 0; }
.factor-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:12px; margin:24px 0 34px; }
.factor-grid > div { min-width:0; padding:20px; border:1px solid var(--line); border-radius:20px; background:var(--cream); }
.factor-grid strong, .factor-grid small { display:block; }
.factor-grid small { margin-top:4px; color:var(--muted); line-height:1.4; }
.factor-icon { display:grid; place-items:center; width:42px; height:42px; margin-bottom:13px; border-radius:12px; background:var(--mint); color:var(--teal); }
.factor-icon svg { width:25px; height:25px; fill:none; stroke:currentColor; stroke-width:1.8; stroke-linecap:round; stroke-linejoin:round; }
.invoice-visual { display:grid; grid-template-columns:1fr auto 1fr auto 1fr; gap:10px; align-items:center; margin:24px 0 12px; }
.invoice-visual > div { min-width:0; padding:18px; border:1px solid var(--line); border-radius:18px; background:var(--cream); }
.invoice-visual .highlight { background:var(--mint); }
.invoice-visual .coral { background:#f7ddd6; }
.invoice-visual span, .invoice-visual strong, .invoice-visual small { display:block; }
.invoice-visual span { color:var(--teal); font-size:.74rem; font-weight:850; text-transform:uppercase; letter-spacing:.06em; }
.invoice-visual strong { margin:7px 0 3px; font-family:Georgia,serif; font-size:1.65rem; }
.invoice-visual small { color:var(--muted); line-height:1.35; }
.invoice-visual b { color:var(--coral); font-size:1.3rem; }
.legal { max-width:800px; padding:70px 0; }
.legal h1 { font-size:clamp(3rem,8vw,5.4rem); }
.legal h2 { margin-top:44px; font-size:clamp(1.65rem,4vw,2.25rem); line-height:1.08; }
.legal h3 { margin:30px 0 10px; font-size:1.28rem; line-height:1.25; }
.legal h4 { margin:22px 0 8px; font-size:1.05rem; line-height:1.35; }
.legal p, .legal li { color:#3f5753; }
.legal li { margin:10px 0; }
.legal a { overflow-wrap:anywhere; }
.legal-intro { max-width:660px; font-size:1.12rem; }
.consent-control { display:flex; align-items:center; flex-wrap:wrap; gap:14px; margin:24px 0; }
.consent-control span { color:var(--teal); font-weight:750; }
.widget-consent { max-width:640px; margin:0 auto 22px; padding:24px; background:var(--mint); border:1px solid rgba(14,114,104,.12); border-radius:20px; text-align:left; }
.widget-consent strong { display:block; font-size:1.25rem; color:var(--ink); }
.widget-consent p { margin:8px 0 18px; color:#3f5753; }
.widget-consent a { color:var(--teal); font-weight:750; }

@media (max-width: 860px) {
  nav a:not(.nav-cta) { display:none; }
  .hero-grid, .affiliate, .article-body, .horse-detail-grid { grid-template-columns:1fr; }
  .hero-card { min-height:560px; }
  .cards, .steps, .topic-directory { grid-template-columns:1fr; }
  .articles { grid-template-columns:1fr 1fr; }
  .article:first-child { grid-column:1/-1; }
  .article-body aside { position:static; }
  .calculator-section { padding-top:40px; }
}
@media (max-width: 560px) {
  .wrap { width:min(100% - 24px,1160px); }
  .topline { font-size:.7rem; }
  .nav { min-height:66px; gap:10px; }
  .nav-cta { padding:10px 12px; font-size:.78rem; white-space:nowrap; }
  .brand { grid-template-columns:38px auto; grid-template-rows:auto auto; column-gap:8px; font-size:1.08rem; letter-spacing:-.045em; }
  .brandmark { width:38px; height:38px; }
  .brand::after { display:block; margin-top:3px; font-size:.5rem; line-height:1.15; letter-spacing:.015em; white-space:nowrap; }
  .hero { padding-top:48px; }
  h1 { font-size:clamp(2.65rem,13vw,3.35rem); }
  .hero-card { min-height:0; padding:25px; border-radius:30px; }
  .saving { margin:32px 0 4px; }
  .small { max-width:none; margin:0 0 22px; }
  .receipt { width:100%; transform:none; }
  section { padding:52px 0; }
  .section-head { display:block; }
  .articles, .footer-grid { grid-template-columns:1fr; }
  .article:first-child { grid-column:auto; }
  .compare-grid, .compare-grid.three { grid-template-columns:1fr; }
  .income-flow { grid-template-columns:1fr; }
  .income-flow b { transform:rotate(90deg); justify-self:center; line-height:.8; }
  .factor-grid { grid-template-columns:1fr; }
  .invoice-visual { grid-template-columns:1fr; }
  .invoice-visual b { transform:rotate(90deg); justify-self:center; line-height:.8; }
  .table-scroll { overflow:visible; border:0; background:transparent; }
  .compare-table, .compare-table tbody { display:block; min-width:0; }
  .compare-table thead { display:none; }
  .compare-table tr { display:block; margin-bottom:12px; overflow:hidden; background:var(--paper); border:1px solid var(--line); border-radius:16px; }
  .compare-table td { display:block; padding:12px 14px; border-top:1px solid var(--line); }
  .compare-table td:first-child { border-top:0; }
  .compare-table td::before { content:attr(data-label); display:block; margin-bottom:5px; color:var(--muted); font-size:.72rem; line-height:1.2; font-weight:800; text-transform:uppercase; letter-spacing:.04em; }
  .compare-table td strong { overflow-wrap:anywhere; }
  .status { max-width:100%; white-space:normal; }
  .horse-line { grid-template-columns:1fr; }
  .horse-line b { transform:rotate(90deg); justify-self:center; line-height:.8; }
  .horse-table { min-width:0; }
  .how, .affiliate { padding:30px 24px; border-radius:30px; }
  .article-body main { padding:26px 22px; }
  .article-body h2 { font-size:1.75rem; line-height:1.08; }
  .calculator-shell { min-height:460px; padding:14px; border-radius:22px; }
  .tariff-widget { max-width:100% !important; }
}