.masthead{background:rgba(245,242,238,.97)}.header-cta{margin-left:auto!important}.mobile-label{display:none}.topicband{background:var(--ziegel-tief);color:#fff;font:12px var(--f-data);padding:12px 0}.topicband span{margin-left:32px;color:#e6cfc7}.breadcrumb{padding-top:22px;padding-bottom:22px;font:11px/1.8 var(--f-data);color:var(--muted)}.breadcrumb span{margin:0 12px}.page-hero{padding-top:45px;padding-bottom:52px}.page-hero h1{max-width:980px;font-size:clamp(2.1rem,4.2vw,3.8rem);line-height:1.12;letter-spacing:-.045em;margin:16px 0 24px;hyphens:none;overflow-wrap:normal}.page-hero .lead{max-width:760px;font-size:1.2rem;margin-bottom:30px}.eyebrow{text-transform:uppercase;font:11px/1.6 var(--f-data);letter-spacing:.14em;color:var(--ziegel)}.home-hero{display:grid;grid-template-columns:1.1fr 1fr;gap:60px;align-items:center}.home-hero h1{max-width:650px}.savings-panel{padding:32px;background:var(--ziegel-tief);color:#fff;border-radius:4px}.savings-panel .eyebrow{color:#e7b6a7}.savings-panel h2{color:#fff;font-size:1.65rem}.savings-panel label{display:block;font:13px var(--f-display);margin:14px 0}.savings-panel label span{float:right;color:#e7b6a7}.savings-panel input{display:block;width:100%;margin-top:8px;padding:12px;border:1px solid #ae7b6f;background:#fff;border-radius:4px;font:18px var(--f-display)}.savings-panel output{display:block;font:700 2.4rem var(--f-display);margin:24px 0 0}.small{font-size:12px;line-height:1.6}.entry-links{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:55px}.entry-links>a{display:block;text-decoration:none;padding:24px;background:white;border:1px solid var(--line);border-radius:4px}.entry-links span{font:11px var(--f-data);color:var(--muted)}.entry-links h2{font-size:1.25rem}.entry-links p{font-size:1rem}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:48px;padding-bottom:64px}.article{min-width:0}.article p{margin:0 0 23px}.article h2,.article h3{hyphens:none;word-break:normal;overflow-wrap:normal;line-height:1.3;scroll-margin-top:90px}.article h2{font-size:1.8rem;margin:42px 0 20px;padding-top:25px;border-top:1px solid var(--line)}.article h3{font-size:1.3rem;margin:30px 0 16px}.article h2:first-child{margin-top:0}.article ul,.article ol{background:#fff;border:1px solid var(--line);border-radius:4px;padding:24px 24px 24px 45px;margin:25px 0}.article li{padding:6px 0}.article table{width:100%;border-collapse:collapse;font-size:.92rem;background:white}.article th,.article td{padding:14px;text-align:left;border:1px solid var(--line);min-width:125px}.article th{background:var(--ziegel-hell);font-family:var(--f-display)}.table-scroll{overflow-x:auto;margin:28px 0;max-width:100%}.sidebar{align-self:start;position:sticky;top:90px}.cta-panel{padding:25px;background:#fff;border:1px solid var(--line);border-radius:4px}.cta-panel h2{font-size:1.45rem;line-height:1.3}.cta-panel p{font-size:.98rem}.cta-panel .btn{width:100%;justify-content:center}.toc{margin-top:24px;border-top:1px solid var(--line);padding-top:18px;font:12px/1.7 var(--f-display)}.toc h2{font-size:13px}.toc ol{padding-left:20px}.toc li{padding:5px 0}.toc a{text-decoration:none}.directory{padding-bottom:60px}.directory>input{display:block;width:100%;padding:18px;border:1px solid var(--line);border-radius:4px;margin:10px 0 24px;font:16px var(--f-display)}.filters{display:flex;gap:9px;flex-wrap:wrap}.filters button{padding:11px 16px;border:1px solid var(--line);border-radius:24px;background:white;color:var(--ink);cursor:pointer}.filters .active{background:var(--ziegel);color:white;border-color:var(--ziegel)}.topic-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.topic-card{display:flex;flex-direction:column;padding:26px;border:1px solid var(--line);background:#fff;border-radius:4px;text-decoration:none}.topic-card[hidden]{display:none}.topic-card h2{font-size:1.2rem;line-height:1.4;hyphens:none;overflow-wrap:normal;margin:18px 0 25px}.topic-card:hover{border-color:var(--ziegel)}.read-more{margin-top:auto;font:12px var(--f-display);color:var(--ziegel)}.calculator-page{padding-top:25px;padding-bottom:50px}.calculator-page h1{font-size:clamp(2rem,4vw,3.5rem)}.calculator-page iframe{min-height:900px;border:0}.note{padding:25px;background:#fff;border-left:3px solid var(--ziegel);margin:25px 0}footer{border-top:1px solid var(--line);padding:40px 0 20px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:40px}.footer-grid h2{font:600 15px var(--f-display);margin-top:0}.footer-grid>div>a:not(.logo){display:block;font:14px/2.2 var(--f-display);text-decoration:none}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding-top:20px;margin-top:30px;font:12px var(--f-display)}.footer-bottom nav{display:flex;gap:20px}.btn:hover{color:white!important;background:var(--ziegel-tief)}@media(max-width:900px){.home-hero{gap:30px}.article-layout{gap:30px;grid-template-columns:minmax(0,1fr) 250px}.topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:700px){.desktop-label{display:none}.mobile-label{display:inline}.masthead .wrap{gap:8px}.logo{font-size:1.1rem}.header-cta{padding:10px 15px;font-size:.8rem}.topicband span{display:none}.page-hero{padding-top:24px;padding-bottom:32px}.home-hero,.article-layout,.entry-links,.footer-grid{grid-template-columns:minmax(0,1fr)}.page-hero h1{font-size:2.25rem}.savings-panel{padding:24px}.article-layout{gap:28px}.sidebar{position:static;order:2}.article h2{font-size:1.55rem}.topic-grid{grid-template-columns:1fr}.footer-bottom{gap:22px;flex-wrap:wrap}.article,.article p,.article li{hyphens:none}.entry-links{margin-bottom:32px}.wrap{padding-left:20px;padding-right:20px}}

@media(max-width:700px){.page-hero h1,.article h2,.article h3,.topic-card h2{overflow-wrap:break-word}.page-hero .btn{white-space:normal;max-width:100%;text-align:center}}

.fonds-photo{margin:0;min-width:0}.fonds-photo img{width:100%;height:auto;display:block;border-radius:4px}.fonds-photo figcaption{font:11px/1.7 var(--f-display);color:var(--muted);margin-top:10px}.home-hero{align-items:start}.home-hero h1{font-size:clamp(2rem,3.7vw,3.4rem)}.content-date{font:11px var(--f-data);color:var(--muted);margin-bottom:28px!important}.offer-heading{display:flex;align-items:center;justify-content:space-between;gap:12px}.offer-heading img{max-width:145px;max-height:50px;object-fit:contain;object-position:left}.offer-heading span{font:10px var(--f-display);border:1px solid var(--line);padding:5px 8px;border-radius:14px}.provider-offer ul{padding-left:20px;font-size:.92rem}.article .note,.article .info-box,.article .hinweis,.article .warning,.article .callout,.article .example,.article .beispiel{padding:25px;background:white;border:1px solid var(--line);border-left:3px solid var(--ziegel);border-radius:4px;margin:28px 0}.article details{padding:18px 22px;background:white;border:1px solid var(--line);border-radius:4px;margin:10px 0}.article summary{font-family:var(--f-display);font-weight:600;cursor:pointer}.article details p{margin:16px 0 0}.article .cards,.article .cards-grid,.article .decision-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:25px 0}.article .card{background:white;border:1px solid var(--line);padding:24px;border-radius:4px}.article .card h3{margin-top:0}.article .facts{background:var(--ziegel-hell);padding:25px;border-radius:4px}.article .faq h2{margin-top:35px}@media(max-width:700px){.article .cards,.article .cards-grid,.article .decision-grid{grid-template-columns:1fr}.home-hero h1{font-size:2.1rem}.home-hero{gap:28px}}

.calculator-photo{max-width:780px;margin:0 auto 48px}.article section{margin-bottom:30px}.article caption{padding:15px;text-align:left;font:600 14px var(--f-display);background:#fff}.article details summary{cursor:pointer}.article a{ text-underline-offset:3px }

.topic-thumb{width:calc(100% + 52px);max-width:none;margin:-26px -26px 22px;aspect-ratio:3/2;object-fit:cover;border-radius:4px 4px 0 0}.topic-card{overflow:hidden}

.page-hero h1,.calculator-page h1{font-weight:700;font-synthesis:none}.provider-offer h2{margin-top:20px}.article .cards-grid .card h2{border:0;padding-top:0;margin-top:0}

.mobile-toc{display:none}@media(max-width:700px){.mobile-toc{display:block;margin-bottom:28px}.mobile-toc details{background:#fff;border:1px solid var(--line);border-radius:4px;padding:18px}.mobile-toc summary{font:600 14px var(--f-display);cursor:pointer}.mobile-toc ol{padding-left:22px;font:14px/1.7 var(--f-display)}.mobile-toc li{margin:10px 0}.sidebar .toc{display:none}.article-layout:has(.provider-offer) .sidebar{order:-1}.offer-heading img{flex:0 1 120px;min-width:0;max-width:120px}.offer-heading span{white-space:nowrap}}

.calculator-bottom{margin-top:45px}.calculator-bottom>.fonds-photo{max-width:620px;margin-bottom:38px}.calculator-explainer{max-width:900px}.calculator-explainer h2{font-size:1.7rem;line-height:1.3;margin:40px 0 20px}.calculator-explainer p{margin-bottom:24px}.calculator-explainer .cards-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.calculator-explainer .card,.calculator-explainer details{padding:22px;background:white;border:1px solid var(--line);border-radius:4px;margin-bottom:12px}.calculator-explainer summary{font:600 15px var(--f-display);cursor:pointer}.calculator-explainer table{width:100%;background:white;border-collapse:collapse;font-size:15px}.calculator-explainer td,.calculator-explainer th{padding:14px;border:1px solid var(--line);text-align:left;min-width:130px}.calculator-explainer th{background:var(--ziegel-hell)}@media(max-width:700px){.calculator-explainer .cards-grid{grid-template-columns:1fr}}
footer .logo,footer .logo:visited,footer .logo:hover,footer .logo:focus-visible{color:#fff;text-decoration:none}footer .logo span{color:#E0A882}footer .logo small{color:#D9C7B8}footer .footer-grid h2{color:#E8D9CC}