/* VorsorgeVergleich – Ratgeber */
:root{
  --blue:#008bd2; --blue-dark:#004f9f;
  --grad:linear-gradient(133deg,#008bd2 0%,#004f9f 100%);
  --text:#222d35; --muted:#5f6b74; --line:#dfe6ec;
  --tile:#eef6fb; --bg-soft:#f4f8fb; --ok:#1f9d55; --warn-bg:#fff6df; --warn:#8a5a00;
  --radius:3px;
}
*{box-sizing:border-box}
body{margin:0;font-family:Overpass,Helvetica,Arial,sans-serif;color:var(--text);font-size:17px;line-height:1.7;background:#fff}
img{max-width:100%;display:block}
a{color:var(--blue-dark);text-underline-offset:3px}
a:hover{color:var(--blue)}
:focus-visible{outline:2px solid var(--blue);outline-offset:2px}
.wrap{width:100%;max-width:1140px;margin:0 auto;padding-inline:20px}
h1,h2,h3{letter-spacing:-.4px;line-height:1.25;text-wrap:balance}
.eyebrow{font-family:"Source Sans 3",sans-serif;font-weight:600;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue-dark);margin:0 0 8px}

/* Review-Hinweis */
.review{background:#f5b301;color:#1d2a33;font-size:14px;font-weight:700;text-align:center;padding:8px 16px}

/* Header */
.site-header{background:#fff;box-shadow:0 2px 14px rgba(0,40,80,.06);position:relative;z-index:3}
.site-header .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-block:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--blue-dark)}
.brand svg{width:40px;height:40px;flex:none}
.brand span{font-size:23px;font-weight:600;letter-spacing:-.8px;line-height:1}
.brand b{font-weight:800;color:var(--blue)}
.brand small{display:block;font-family:"Source Sans 3",sans-serif;font-size:10.5px;letter-spacing:1.2px;text-transform:uppercase;color:var(--muted);margin-top:5px}
.head-nav{display:flex;align-items:center;gap:18px}
.head-nav a.link{font-weight:600;text-decoration:none;color:var(--text)}
.head-nav a.link:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--blue);color:#fff;border:0;border-radius:var(--radius);padding:12px 22px;font:600 16px Overpass,sans-serif;text-decoration:none;line-height:1.2;cursor:pointer}
.btn:hover{background:var(--blue-dark);color:#fff}
.btn-light{background:#fff;color:var(--blue-dark)}
.btn-light:hover{background:var(--tile);color:var(--blue-dark)}
@media (max-width:640px){.head-nav a.link{display:none}.brand small{display:none}.site-header .btn{padding:10px 14px;font-size:15px}}

/* Artikelkopf */
.article-head{background:var(--grad);color:#fff;padding-block:34px 40px}
.crumbs{font-size:14px;margin:0 0 14px;color:#cfe9f7}
.crumbs a{color:#fff}
.crumbs span[aria-hidden]{margin:0 6px}
.article-head h1{font-size:clamp(28px,4vw,44px);font-weight:800;margin:0 0 14px;max-width:880px}
.article-head .lead{font-size:clamp(17px,2vw,20px);line-height:1.55;max-width:760px;margin:0 0 16px;color:#eaf6fd}
.meta{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:14px;color:#cfe9f7}

/* Layout */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;align-items:start;padding-block:38px 20px}
@media (max-width:980px){.article-grid{grid-template-columns:minmax(0,1fr);gap:24px}}
.prose{max-width:740px;min-width:0}
.prose h2{font-size:clamp(23px,2.6vw,29px);font-weight:700;margin:42px 0 12px;scroll-margin-top:20px}
.prose h3{font-size:20px;font-weight:700;margin:28px 0 8px}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 18px;padding-left:24px}
.prose li{margin-bottom:6px}
.prose strong{font-weight:700}
.prose table{border-collapse:collapse;width:100%;font-size:15.5px;margin:6px 0 20px}
.prose .table{overflow-x:auto;margin:6px 0 20px}
.prose .table table{margin:0;min-width:520px}
.prose th,.prose td{border-bottom:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}
.prose th{background:var(--bg-soft);font-weight:700;font-size:14.5px}
.box{background:var(--bg-soft);border-left:4px solid var(--blue);padding:16px 18px;margin:22px 0;border-radius:0 6px 6px 0}
.box p:last-child,.box ul:last-child{margin-bottom:0}
.box.merke{border-left-color:var(--ok)}
.box.achtung{background:var(--warn-bg);border-left-color:#f5b301}
.box-title{display:block;font-weight:800;margin-bottom:4px;color:var(--blue-dark)}
.box.merke .box-title{color:var(--ok)}
.box.achtung .box-title{color:var(--warn)}
.kurz{background:var(--tile);border-radius:6px;padding:18px 20px;margin:0 0 26px}
.kurz h2{font-size:18px;margin:0 0 8px;letter-spacing:0}
.kurz ul{margin:0;padding-left:20px}

/* Inhaltsverzeichnis */
.toc{position:sticky;top:18px;background:#fff;border:1px solid var(--line);border-radius:6px;padding:16px 18px;font-size:15px}
.toc b{display:block;font-size:13px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.toc ol{margin:0;padding-left:18px}
.toc li{margin-bottom:5px;line-height:1.4}
.toc a{text-decoration:none;color:var(--text)}
.toc a:hover{color:var(--blue)}
.toc .btn{width:100%;margin-top:14px}
@media (max-width:980px){.toc{position:static;order:-1}.toc .btn{display:none}}

/* CTA */
.cta{background:var(--grad);color:#fff;border-radius:6px;padding:24px 26px;margin:34px 0;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px;align-items:center}
.cta h3{margin:0 0 6px;font-size:21px;color:#fff}
.cta p{margin:0;color:#eaf6fd;font-size:16px}
@media (max-width:640px){.cta{grid-template-columns:minmax(0,1fr)}.cta .btn{width:100%}}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;line-height:1;color:var(--blue)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:10px 0 0}

/* Autor, Quellen, Hinweis */
.author{display:flex;gap:14px;align-items:flex-start;border-top:1px solid var(--line);margin-top:36px;padding-top:22px;font-size:15px;color:var(--muted)}
.author .avatar{flex:none;width:52px;height:52px;border-radius:50%;background:var(--tile);display:grid;place-items:center}
.author .avatar svg{width:30px;height:30px}
.author b{color:var(--text)}
.sources{font-size:14.5px;color:var(--muted)}
.sources ol{padding-left:20px}
.sources a{color:var(--muted)}
.note{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:22px}

/* Artikelkopf mit Bild */
.article-head.has-img .wrap{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:40px;align-items:center}
.head-img{margin:0}
.head-img img{width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover;border-radius:8px;box-shadow:0 18px 40px rgba(0,30,70,.28)}
.head-img figcaption{font-size:12px;color:#cfe9f7;margin-top:6px;text-align:right}
.head-img figcaption a{color:#cfe9f7}
@media (max-width:900px){.article-head.has-img .wrap{grid-template-columns:minmax(0,1fr);gap:22px}.head-img{order:2}}

/* Karten */
.related{background:var(--bg-soft);padding-block:40px}
.related h2{margin:0 0 18px;font-size:24px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px}
.card-link{display:flex;flex-direction:column;background:#fff;border-radius:8px;overflow:hidden;text-decoration:none;color:var(--text);border:1px solid var(--line);transition:border-color .15s,transform .15s,box-shadow .15s}
.card-link:hover{border-color:var(--blue);transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,40,80,.1);color:var(--text)}
.card-link img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--tile)}
.card-body{display:flex;flex-direction:column;gap:6px;padding:14px 16px 16px;flex:1}
.card-link .eyebrow{margin:0;font-size:11.5px}
.card-link b{font-size:17px;line-height:1.35;hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
.situation h3,.prose h2{hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
.article-head.has-img h1{font-size:clamp(26px,3.1vw,38px)}
@media (max-width:640px){.article-head h1{hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}}
.card-link span.desc{font-size:14.5px;color:var(--muted);line-height:1.5;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.card-meta{margin-top:auto;padding-top:4px;font-size:13px;color:var(--muted)}
@media (prefers-reduced-motion:reduce){.card-link,.card-link:hover{transition:none;transform:none}}

/* Übersicht */
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.hub-head{background:var(--grad);color:#fff;padding-block:44px 46px}
.hub-head h1{font-size:clamp(32px,4.5vw,50px);font-weight:800;margin:0 0 12px}
.hub-head p{font-size:19px;max-width:720px;margin:0;color:#eaf6fd}
.search{margin-top:24px;max-width:620px}
.search input{width:100%;font:500 17px Overpass,sans-serif;padding:15px 18px 15px 48px;border:0;border-radius:6px;color:var(--text);background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235f6b74' stroke-width='2.2' stroke-linecap='round'%3E%3Ccircle cx='11' cy='11' r='7'/%3E%3Cpath d='M20 20l-4-4'/%3E%3C/svg%3E") no-repeat 16px 50%/20px;box-shadow:0 10px 30px rgba(0,30,70,.25)}
.search input:focus{outline:3px solid #9fd6f3;outline-offset:2px}
.search-results{padding-block:34px 20px}
.search-results h2{font-size:24px;margin:0 0 18px}
.empty{color:var(--muted)}
.situations-wrap{padding-block:40px 10px}
.situations-wrap h2,.featured h2{font-size:26px;margin:0 0 18px}
.situations{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.situation{background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden;display:flex;flex-direction:column}
.situation img{width:100%;height:auto;aspect-ratio:16/8;object-fit:cover}
.situation-body{padding:16px 18px 18px}
.situation h3{font-size:20px;margin:0 0 6px}
.situation p{font-size:15px;color:var(--muted);margin:0 0 12px;line-height:1.5}
.situation ul{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.situation li{border-bottom:1px solid var(--line)}
.situation li a{display:flex;justify-content:space-between;gap:10px;padding:9px 0;text-decoration:none;font-weight:600;font-size:15.5px;line-height:1.35}
.situation li a::after{content:"›";color:var(--blue);font-size:20px;line-height:1}
@media (max-width:900px){.situations{grid-template-columns:minmax(0,1fr)}.situation{display:grid;grid-template-columns:minmax(0,38%) minmax(0,1fr)}.situation img{height:100%;aspect-ratio:auto}}
@media (max-width:560px){.situation{display:flex}.situation img{aspect-ratio:16/7}}
.featured{padding-block:34px 10px}
.cards-featured{grid-template-columns:repeat(3,minmax(0,1fr))}
.card-link.feature{grid-column:span 2;grid-row:span 2}
.card-link.feature b{font-size:23px}
.card-link.feature img{aspect-ratio:auto;flex:1 1 0;min-height:240px;height:100%}
.card-link.feature .card-body{flex:none}
@media (max-width:900px){.cards-featured{grid-template-columns:repeat(2,minmax(0,1fr))}.card-link.feature{grid-row:auto}.card-link.feature img{aspect-ratio:16/9;flex:none;height:auto;min-height:0}}
@media (max-width:560px){.cards-featured{grid-template-columns:minmax(0,1fr)}.card-link.feature{grid-column:auto}.card-link.feature b{font-size:19px}}
.topic-nav{position:sticky;top:0;z-index:2;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-block:1px solid var(--line);margin-top:34px}
.topic-nav .wrap{display:flex;align-items:center;gap:12px;padding-block:10px;overflow-x:auto}
.topic-nav span{font-weight:700;font-size:14px;color:var(--muted);flex:none}
.topic-nav .chips{flex-wrap:nowrap;margin:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.chips a{background:var(--tile);color:var(--blue-dark);border-radius:18px;padding:6px 14px;text-decoration:none;font-weight:600;font-size:14.5px;white-space:nowrap}
.chips a:hover{background:var(--blue);color:#fff}
.hub-section{padding-block:36px 8px;scroll-margin-top:60px}
.section-head{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap}
.hub-section h2{font-size:25px;margin:0 0 6px}
.count{font-size:14px;color:var(--muted)}
.hub-section > .wrap > p{color:var(--muted);margin:0 0 18px;max-width:760px}
.more{margin-top:18px}
.more summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--blue-dark);border:1px solid var(--line);border-radius:6px;padding:9px 16px;background:#fff}
.more summary::-webkit-details-marker{display:none}
.more summary:hover{border-color:var(--blue)}
.more summary::after{content:"▾";color:var(--blue)}
.more[open] summary::after{content:"▴"}
.more .opened,.more[open] .closed{display:none}
.more[open] .opened{display:inline}
.more > .cards{margin-top:18px}

/* Footer */
footer{background:#1d2a33;color:#c9d3da;padding-block:44px 28px;font-size:14px;margin-top:0}
footer .wrap{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:30px}
footer .brand{color:#fff}
footer .brand small{color:#9fb0bc}
footer h5{font-family:"Source Sans 3",sans-serif;font-size:14px;letter-spacing:1.5px;text-transform:uppercase;color:#fff;margin:0 0 10px}
footer a{color:#c9d3da;text-decoration:none}
footer a:hover{color:#fff}
footer ul{list-style:none;padding:0;margin:0;line-height:1.9}
.disclaimer{font-size:12px;color:#8795a0;line-height:1.5;max-width:1140px;margin:26px auto 0;padding-inline:20px;border-top:1px solid #2e3d48;padding-top:18px}
@media (max-width:760px){footer .wrap{grid-template-columns:minmax(0,1fr)}}

/* Infografiken */
.grafik{margin:26px 0 28px;padding:20px 20px 18px;background:#fff;border:1px solid var(--line);border-radius:8px}
.g-title{display:block;font-weight:800;font-size:17px;line-height:1.35;margin:0 0 4px;color:var(--text)}
.g-sub{font-size:14.5px;color:var(--muted);margin:0 0 16px;line-height:1.5}
.g-note{font-size:13px;color:var(--muted);margin:14px 0 0;line-height:1.45}
/* Zeitstrahl */
.g-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(var(--n,3),minmax(0,1fr));gap:0}
.g-steps li{position:relative;padding:14px 14px 14px;margin:0;background:var(--c,var(--tile));color:var(--tc,var(--text));border-right:3px solid #fff}
.g-steps li:first-child{border-radius:6px 0 0 6px}
.g-steps li:last-child{border-radius:0 6px 6px 0;border-right:0}
.g-when{display:block;font-size:12.5px;font-weight:700;letter-spacing:.6px;text-transform:uppercase;opacity:.85}
.g-steps b{display:block;font-size:20px;line-height:1.2;margin:4px 0 2px}
.g-steps span.g-desc{display:block;font-size:14px;line-height:1.4}
@media (max-width:640px){.g-steps{grid-template-columns:minmax(0,1fr)}.g-steps li{border-right:0;border-bottom:3px solid #fff}.g-steps li:first-child{border-radius:6px 6px 0 0}.g-steps li:last-child{border-radius:0 0 6px 6px;border-bottom:0}}
/* Balken */
.g-bars{display:grid;gap:10px}
.g-bar{display:grid;grid-template-columns:minmax(0,210px) minmax(0,1fr) 64px;gap:12px;align-items:center;font-size:15px;line-height:1.3}
.g-track{height:22px;background:var(--bg-soft);border-radius:4px;overflow:hidden;display:flex}
.g-fill{display:block;height:100%;background:var(--blue);border-radius:4px 0 0 4px}
.g-fill.dark{background:var(--blue-dark)}
.g-fill.muted{background:#9fb6c6}
.g-fill.gap{background:repeating-linear-gradient(135deg,#f5b301 0 6px,#ffd76a 6px 12px);border-radius:0}
.g-val{font-weight:800;text-align:right;font-variant-numeric:tabular-nums}
.g-bar.hl .g-label{font-weight:800}
@media (max-width:640px){.g-bar{grid-template-columns:minmax(0,1fr) 64px;row-gap:4px}.g-bar .g-label{grid-column:1 / -1}.g-bar .g-track{grid-column:1}}
.g-legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13.5px;color:var(--muted);margin-top:12px}
.g-legend i{display:inline-block;width:12px;height:12px;border-radius:2px;margin-right:6px;vertical-align:-1px;background:var(--blue)}
.g-legend i.gap{background:repeating-linear-gradient(135deg,#f5b301 0 3px,#ffd76a 3px 6px)}
/* Personen */
.g-people{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.g-people > div b{display:block;font-size:15px;margin-bottom:8px}
.g-icons{display:grid;grid-template-columns:repeat(10,minmax(0,1fr));gap:4px;max-width:320px}
.g-icons svg{width:100%;height:auto;fill:#c9d6df}
.g-icons svg.on{fill:var(--blue)}
.g-people p{font-size:14px;color:var(--muted);margin:8px 0 0}
@media (max-width:560px){.g-people{grid-template-columns:minmax(0,1fr)}}
/* Ablauf */
.g-flow{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px;counter-reset:f}
.g-flow li{position:relative;margin:0;padding:16px;background:var(--tile);border-radius:8px;counter-increment:f}
.g-flow li::before{content:counter(f);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--grad);color:#fff;font-weight:800;margin-bottom:8px}
.g-flow li:not(:last-child)::after{content:"→";position:absolute;right:-21px;top:50%;transform:translateY(-50%);color:var(--blue);font-size:20px;font-weight:800}
.g-flow b{display:block;font-size:16.5px;line-height:1.3;margin-bottom:4px}
.g-flow span{display:block;font-size:14.5px;line-height:1.45;color:var(--muted)}
@media (max-width:640px){.g-flow{grid-template-columns:minmax(0,1fr);gap:22px}.g-flow li:not(:last-child)::after{content:"↓";right:50%;top:auto;bottom:-22px;transform:translateX(50%)}}
/* Pyramide */
.g-pyr{display:grid;gap:6px;justify-items:center}
.g-pyr div{width:var(--w);min-width:min(100%,260px);max-width:100%;background:var(--c);color:var(--tc,#fff);border-radius:4px;padding:9px 14px;text-align:center;font-size:14.5px;line-height:1.35}
.g-pyr div b{display:block;font-size:15.5px}
.prose .grafik ol{padding-left:0;margin:0}
.prose .grafik li{margin-bottom:0}
.prose .grafik .g-sub{margin:0 0 16px}
.prose .grafik .g-note{margin:14px 0 0}
.prose .grafik .g-people p{margin:8px 0 0}
.prose .g-flow li{margin-bottom:0}

.hub-cta{padding-block:26px 0}
.hub-cta .cta{margin:0}