:root{
  --navy:#163d63;
  --navy-dark:#0d2d4c;
  --blue:#1e5f92;
  --blue-light:#e9f0f5;
  --ink:#1d2f3f;
  --muted:#5e6f7e;
  --line:#cfd8df;
  --line-dark:#aab8c3;
  --paper:#ffffff;
  --page:#f3f5f6;
  --accent:#b38a3d;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--page);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.62}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{width:min(1120px,calc(100% - 36px));margin:0 auto}

/* Header: bewusst sachlich und portalartig statt SaaS/AI-Landingpage */
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.topbar{background:var(--navy-dark);color:#dbe5ed;font-size:12px;letter-spacing:.01em}
.topbar-inner{min-height:30px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.header-main{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;gap:13px;color:var(--navy-dark);text-decoration:none}
.brand:hover{text-decoration:none}
.brand-line{display:block;width:6px;height:46px;background:var(--accent)}
.brand-copy{display:flex;flex-direction:column;line-height:1}
.brand-copy strong{font-family:Georgia,"Times New Roman",serif;font-size:24px;letter-spacing:.035em;font-weight:700}
.brand-copy small{font-size:11px;letter-spacing:.22em;margin-top:8px;color:#526575;font-weight:700}
.mainnav{display:flex;align-items:center;gap:0}
.mainnav>a,.nav-details>summary{display:block;padding:12px 15px;color:#243849;font-size:14px;font-weight:700;cursor:pointer;list-style:none;border-left:1px solid transparent;border-right:1px solid transparent}
.mainnav>a:hover,.nav-details>summary:hover,.mainnav .active,.nav-details[open]>summary{background:#f3f6f8;color:var(--navy);text-decoration:none;border-color:#e3e8ec}
.nav-details{position:relative}
.nav-details summary::-webkit-details-marker{display:none}
.nav-details summary::after{content:" ▾";font-size:10px}
.nav-dropdown{position:absolute;right:0;top:47px;background:#fff;border:1px solid var(--line-dark);padding:8px 0;display:grid;grid-template-columns:repeat(2,minmax(210px,1fr));min-width:460px;box-shadow:0 8px 22px rgba(13,45,76,.13)}
.nav-dropdown a{padding:9px 14px;color:#2b3f50;font-size:13px;border-bottom:1px solid #edf0f2}
.nav-dropdown a:nth-last-child(-n+2){border-bottom:0}
.nav-dropdown a:hover,.nav-dropdown a.active{background:#eef3f6;color:var(--navy);text-decoration:none}
.menu-toggle{display:none;border:1px solid var(--line-dark);background:#fff;padding:9px 13px;font-weight:700;color:var(--navy-dark);border-radius:0}
.category-bar{background:var(--navy);border-top:1px solid #234f76}
.category-bar-inner{display:flex;align-items:center;gap:0;overflow-x:auto;white-space:nowrap;scrollbar-width:thin}
.category-bar a,.category-label{padding:9px 12px;font-size:12px}
.category-label{color:#d2dde6;font-weight:700;padding-left:0}
.category-bar a{color:#fff;border-left:1px solid rgba(255,255,255,.12)}
.category-bar a:hover{background:rgba(255,255,255,.08);text-decoration:none}

/* Startseite */
.hero{background:#e7edf1;border-bottom:1px solid var(--line-dark)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(280px,.7fr);gap:46px;padding:54px 0 48px;align-items:start}
.section-kicker{display:block;color:var(--accent);text-transform:uppercase;font-size:11px;font-weight:800;letter-spacing:.16em;margin-bottom:9px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy-dark);line-height:1.18;margin-top:0}
.hero h1{font-size:clamp(38px,5vw,57px);font-weight:700;letter-spacing:-.025em;margin:0 0 14px}
.hero-copy>p{font-size:18px;max-width:720px;color:#435767;margin:0 0 20px}
.hero-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.button{display:inline-block;background:var(--navy);border:1px solid var(--navy);color:#fff!important;padding:11px 16px;font-weight:700;font-size:14px;border-radius:0}
.button:hover{background:var(--navy-dark);text-decoration:none}
.hero-note{font-size:12px;color:#60717f}
.quick-panel{background:#fff;border:1px solid var(--line-dark);border-top:4px solid var(--navy);padding:0}
.quick-title{padding:13px 16px 10px;font-family:Georgia,"Times New Roman",serif;font-size:18px;font-weight:700;color:var(--navy-dark);border-bottom:1px solid var(--line)}
.quick-panel>a{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:11px 16px;color:#253a4a;border-bottom:1px solid #e4e9ed;font-size:14px;font-weight:700}
.quick-panel>a:hover{background:#f3f6f8;text-decoration:none;color:var(--blue)}
.quick-panel>a b{font-size:20px;font-weight:400;color:#7f8f9b}
.quick-panel p{margin:0;padding:12px 16px;font-size:11px;line-height:1.45;color:#697987;background:#f8f9fa}

.insurance-overview{padding:46px 0 54px}
.overview-head{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:end;margin-bottom:22px}
.overview-head h2{font-size:31px;margin:0}
.overview-head p{margin:0;color:var(--muted);font-size:14px}
.insurance-list{background:#fff;border-top:3px solid var(--navy);border-left:1px solid var(--line);border-right:1px solid var(--line)}
.insurance-row{display:grid;grid-template-columns:55px minmax(210px,.75fr) minmax(320px,1.5fr) 30px;align-items:center;gap:18px;min-height:66px;padding:0 18px;border-bottom:1px solid var(--line);color:var(--ink)}
.insurance-row:hover{background:#f5f7f8;text-decoration:none}
.insurance-number{font-family:Georgia,"Times New Roman",serif;color:#8a98a3;font-size:14px}
.insurance-row strong{font-size:15px;color:var(--navy-dark)}
.insurance-desc{font-size:13px;color:#60717f}
.insurance-arrow{text-align:right;font-size:19px;color:var(--accent)}

.guide-section{background:#fff;border-top:1px solid var(--line);padding:52px 0 70px}
.guide-layout{display:grid;grid-template-columns:285px minmax(0,1fr);gap:48px;align-items:start}
.guide-sidebar{position:sticky;top:156px;border-top:4px solid var(--navy);padding-top:18px}
.guide-sidebar h2{font-size:29px;margin-bottom:15px}
.guide-sidebar p{font-size:13px;color:var(--muted)}
.home-article{border-left:1px solid var(--line);padding-left:42px}

/* Unterseiten */
.page-hero{background:var(--navy-dark);color:#fff;border-bottom:5px solid var(--accent)}
.page-hero-inner{display:flex;align-items:end;justify-content:space-between;gap:35px;padding:36px 0 32px}
.page-hero h1{color:#fff;font-size:clamp(32px,5vw,48px);margin:7px 0 8px}
.page-hero p{margin:0;max-width:800px;color:#d4dfe7;font-size:15px}
.backlink{color:#b9cedd;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.backlink:hover{color:#fff}
.page-side-note{min-width:230px;border-left:1px solid rgba(255,255,255,.25);padding-left:22px;display:flex;flex-direction:column;gap:3px}
.page-side-note strong{font-family:Georgia,"Times New Roman",serif;color:#fff;font-size:17px}
.page-side-note span{font-size:11px;color:#becdd8}
.content-shell{padding:38px 0 64px}
.article-body{max-width:920px;background:#fff;border:1px solid var(--line);padding:36px 44px;font-size:15px}
.content-shell .article-body{margin:0 auto}
.article-body>p:first-child{font-size:16px;color:#405565}
.article-body h2,.article-body h3{margin:30px 0 10px}
.article-body h2{font-size:27px}
.article-body h3{font-size:21px;border-bottom:1px solid var(--line);padding-bottom:8px}
.article-body ul,.article-body ol{padding-left:22px}
.article-body li{margin:7px 0}
.article-body hr{border:0;border-top:1px solid var(--line);margin:30px 0}
.article-body img{max-width:100%;height:auto}
.article-body iframe{width:100%!important;max-width:100%;border:0}
.article-body div[id^="tcpp-iframe-"]{width:100%!important;margin:25px 0;border:1px solid var(--line);background:#fafbfc;overflow:hidden}
.article-body a{font-weight:700}

/* Footer */
.site-footer{background:#182a39;color:#c7d2da;border-top:4px solid var(--accent)}
.footer-main{display:grid;grid-template-columns:1.25fr .8fr 1fr;gap:52px;padding:38px 0 34px}
.footer-main>div{display:flex;flex-direction:column;align-items:flex-start;gap:7px}
.footer-main strong{color:#fff;font-family:Georgia,"Times New Roman",serif;font-size:16px}
.footer-main a{color:#e0e8ed;font-size:13px}
.footer-main p{margin:0;color:#aebcc6;font-size:12px;max-width:430px}
.footer-brand>strong{font-size:21px;letter-spacing:.035em}
.footer-brand>span{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:#d4dde4}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:14px 0;font-size:11px;color:#95a7b4}

@media(max-width:900px){
  .topbar{display:none}
  .header-main{min-height:72px}
  .menu-toggle{display:block}
  .mainnav{display:none;position:absolute;left:18px;right:18px;top:72px;background:#fff;border:1px solid var(--line-dark);box-shadow:0 8px 22px rgba(13,45,76,.15);padding:6px;align-items:stretch;flex-direction:column}
  .mainnav.open{display:flex}
  .mainnav>a,.nav-details>summary{border:0;border-bottom:1px solid #edf0f2}
  .nav-details{width:100%}
  .nav-dropdown{position:static;min-width:0;grid-template-columns:1fr;box-shadow:none;border:0;border-top:1px solid var(--line);margin-top:4px}
  .category-bar{position:relative}
  .hero-grid{grid-template-columns:1fr;gap:26px;padding:40px 0}
  .quick-panel{max-width:560px}
  .overview-head{grid-template-columns:1fr;gap:10px}
  .insurance-row{grid-template-columns:42px 1fr 28px;gap:12px;padding:12px 14px}
  .insurance-desc{grid-column:2/3}
  .insurance-arrow{grid-column:3;grid-row:1/3}
  .guide-layout{grid-template-columns:1fr;gap:26px}
  .guide-sidebar{position:static}
  .home-article{border-left:0;border-top:1px solid var(--line);padding:28px 0 0}
  .page-hero-inner{align-items:start;flex-direction:column}
  .page-side-note{border-left:0;border-top:1px solid rgba(255,255,255,.25);padding:14px 0 0;width:100%}
  .footer-main{grid-template-columns:1fr;gap:25px}
}

@media(max-width:560px){
  .wrap{width:min(100% - 24px,1120px)}
  .brand-line{height:39px}
  .brand-copy strong{font-size:20px}
  .brand-copy small{font-size:9px;margin-top:6px}
  .hero h1{font-size:39px}
  .hero-copy>p{font-size:16px}
  .hero-actions{align-items:flex-start;flex-direction:column;gap:8px}
  .overview-head h2{font-size:27px}
  .insurance-row{grid-template-columns:32px 1fr 24px;gap:8px}
  .insurance-desc{font-size:12px}
  .guide-sidebar h2{font-size:26px}
  .page-hero-inner{padding:28px 0 25px}
  .page-hero h1{font-size:34px}
  .content-shell{padding:24px 0 46px}
  .article-body{padding:24px 20px}
}

/* V3: eigener Wiedererkennungsanker statt generischer Card-Landingpage */
.kfz-hero{background:linear-gradient(90deg,#eef2f4 0%,#f8f9f9 58%,#e7edf1 100%);border-bottom:1px solid var(--line-dark);overflow:hidden}
.kfz-hero-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(390px,.88fr);align-items:center;gap:34px;min-height:520px;padding:48px 0}
.kfz-copy h1{font-size:clamp(42px,5.4vw,64px);max-width:760px;margin:0 0 16px;letter-spacing:-.035em}
.kfz-lead{font-size:19px;line-height:1.55;color:#405565;max-width:720px;margin:0 0 22px}
.kfz-facts{display:grid;gap:8px;margin:0 0 24px;font-size:14px;font-weight:700;color:#274153}
.kfz-facts span{display:flex;align-items:center;gap:9px}
.kfz-facts b{display:inline-grid;place-items:center;width:21px;height:21px;border-radius:50%;background:#1d6b4f;color:#fff;font-size:12px}
.kfz-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.button-kfz{background:#0d2d4c;border-color:#0d2d4c;padding:15px 22px;font-size:15px;box-shadow:5px 5px 0 #d4a84d}
.button-kfz:hover{transform:translate(1px,1px);box-shadow:3px 3px 0 #d4a84d}
.text-link{font-weight:700;font-size:13px;color:#284a67}
.hero-legal{font-size:11px;color:#657785;margin:18px 0 0;max-width:720px}
.pig-stage{position:relative;min-height:420px;display:flex;align-items:center;justify-content:center}
.pig-mark{width:min(100%,520px);filter:drop-shadow(0 20px 24px rgba(13,45,76,.13))}
.saving-badge{position:absolute;right:5px;top:24px;z-index:3;background:var(--navy-dark);color:#fff;width:158px;height:158px;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;border:7px solid #d4a84d;box-shadow:0 8px 24px rgba(13,45,76,.14);transform:rotate(4deg)}
.saving-badge small{font-size:9px;text-transform:uppercase;letter-spacing:.08em;line-height:1.2;color:#d9e3ea}
.saving-badge strong{font-family:Georgia,"Times New Roman",serif;font-size:31px;line-height:.98;margin:6px 0}
.saving-badge span{font-size:11px}
.pig-caption{position:absolute;left:20px;bottom:0;background:#fff;border-left:5px solid #d4a84d;padding:10px 14px;display:flex;flex-direction:column;box-shadow:0 7px 18px rgba(13,45,76,.1)}
.pig-caption strong{font-family:Georgia,"Times New Roman",serif;color:var(--navy-dark);font-size:15px}
.pig-caption span{font-size:11px;color:#5d6e7b}
.priority-strip{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line-dark);border:1px solid var(--line-dark);margin-top:28px;margin-bottom:0}
.priority-card{background:#fff;padding:20px 24px;display:grid;grid-template-columns:minmax(220px,.9fr) 1fr auto;align-items:center;gap:20px;color:var(--ink)}
.priority-card:hover{background:#f7f8f9;text-decoration:none}
.priority-card span{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#697b88;font-weight:700}
.priority-card strong{font-family:Georgia,"Times New Roman",serif;color:var(--navy-dark);font-size:20px}
.priority-card small{color:#2f5d82;font-weight:700}
.comparison-disclosure{border:1px solid #b8c5cf;border-left:5px solid #d4a84d;background:#f6f8f9;padding:16px 18px;margin:26px 0 14px;color:#304858}
.comparison-disclosure .comparison-label{font-size:10px;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:#9b6f19;margin-bottom:5px}
.comparison-disclosure strong{display:block;color:var(--navy-dark);font-size:15px;margin-bottom:3px}
.comparison-disclosure p{font-size:12px;margin:0;color:#5e6f7e}
.footer-bottom{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}
.footer-bottom span:last-child{max-width:650px;text-align:right}

@media(max-width:900px){
  .kfz-hero-grid{grid-template-columns:1fr;min-height:0;padding:38px 0 28px}
  .pig-stage{min-height:360px;max-width:620px;width:100%;margin:0 auto}
  .priority-strip{grid-template-columns:1fr}
  .priority-card{grid-template-columns:1fr auto}
  .priority-card span{grid-column:1/-1}
  .footer-bottom{flex-direction:column}
  .footer-bottom span:last-child{text-align:left}
}
@media(max-width:560px){
  .kfz-copy h1{font-size:40px}
  .kfz-lead{font-size:16px}
  .kfz-actions{align-items:flex-start;flex-direction:column}
  .pig-stage{min-height:300px}
  .saving-badge{width:120px;height:120px;right:0;top:6px;border-width:5px}
  .saving-badge strong{font-size:24px}
  .pig-caption{left:0;right:0;bottom:-4px}
  .priority-card{grid-template-columns:1fr;padding:17px 18px;gap:5px}
  .priority-card span,.priority-card strong,.priority-card small{grid-column:auto}
}