/* Source Sans Pro, lokal gehostet (SIL Open Font License, siehe fonts/OFL.txt) – keine Verbindung zu Google Fonts. */
@font-face { font-family: 'Source Sans Pro'; font-style: normal; font-display: swap; font-weight: 400; src: url('fonts/source-sans-pro-latin-ext-400-normal.woff2') format('woff2'); unicode-range: U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20CF,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Source Sans Pro'; font-style: normal; font-display: swap; font-weight: 400; src: url('fonts/source-sans-pro-latin-400-normal.woff2') format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Source Sans Pro'; font-style: normal; font-display: swap; font-weight: 700; src: url('fonts/source-sans-pro-latin-ext-700-normal.woff2') format('woff2'); unicode-range: U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20CF,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Source Sans Pro'; font-style: normal; font-display: swap; font-weight: 700; src: url('fonts/source-sans-pro-latin-700-normal.woff2') format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Source Sans Pro'; font-style: normal; font-display: swap; font-weight: 900; src: url('fonts/source-sans-pro-latin-ext-900-normal.woff2') format('woff2'); unicode-range: U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20CF,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Source Sans Pro'; font-style: normal; font-display: swap; font-weight: 900; src: url('fonts/source-sans-pro-latin-900-normal.woff2') format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }

:root {
    --primary: #00008f;
    --cta-bg: #007AC9;
    --primary-light: #e6e6f4;
    --danger: #e53935;
    --success: #00008f;
    --bg-color: #f7f9fc;
    --card-bg: #ffffff;
    --text-main: #243041;
    --text-muted: #5d6676; /* WCAG-AA-Kontrast auch auf hellgrauen Flächen */
    --border: #e4e7ec;
    --warning-bg: #fff8e6;
    --warning-border: #ffd56a;
    --shadow: 0 12px 35px rgba(16,24,40,0.08);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
    font-family: 'Source Sans Pro', Arial, sans-serif;
    background:
        radial-gradient(circle at top left, rgba(0,122,201,0.08), transparent 36%),
        var(--bg-color);
    color: var(--text-main);
    padding: 20px;
    display: flex;
    justify-content: center;
}

.app-wrapper { width: 100%; max-width: 1120px; }
.logo-container { display: flex; justify-content: flex-start; margin-bottom: 26px; }
.logo-container img { max-height: 45px; width: auto; }
.app-header { text-align: center; margin-bottom: 30px; }
.eyebrow { display: inline-block; color: var(--cta-bg); font-weight: 900; text-transform: uppercase; letter-spacing: .08em; font-size: 13px; margin-bottom: 8px; }
.app-header h1 { font-size: clamp(34px, 5vw, 54px); color: var(--primary); margin-bottom: 10px; letter-spacing: -0.04em; }
.app-header p { color: var(--text-muted); font-size: 18px; max-width: 820px; margin: 0 auto; line-height: 1.5; }

.hero-container {
    display: grid;
    grid-template-columns: 1.8fr 1fr;
    background: var(--card-bg);
    border-radius: 18px;
    overflow: hidden;
    margin-bottom: 30px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
}
.hero-content {
    padding: 42px;
    min-height: 275px;
    background:
        linear-gradient(135deg, rgba(0,0,143,0.93), rgba(0,122,201,0.84)),
        radial-gradient(circle at top right, rgba(255,255,255,.35), transparent 32%);
    color: #fff;
    display: flex;
    flex-direction: column;
    justify-content: center;
}
.hero-content h2 { font-size: clamp(28px, 4vw, 44px); letter-spacing: -0.03em; margin-bottom: 16px; }
.hero-content p { font-size: 17px; line-height: 1.55; max-width: 700px; color: rgba(255,255,255,0.9); }
.hero-pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.hero-pills span { border: 1px solid rgba(255,255,255,0.4); background: rgba(255,255,255,0.12); padding: 8px 12px; border-radius: 999px; font-size: 14px; font-weight: 800; }
.hero-cta { padding: 34px; display: flex; flex-direction: column; justify-content: center; background-color: var(--cta-bg); color: #fff; }
.hero-cta h3 { color: #fff; margin-bottom: 12px; padding: 0; }
.hero-cta p { color: #fff; line-height: 1.5; margin-bottom: 24px; }

.btn-termin, .btn-secondary {
    display: inline-block;
    text-decoration: none;
    font-weight: 900;
    padding: 11px 18px;
    border-radius: 8px;
    text-align: center;
    transition: all 0.2s ease;
    cursor: pointer;
}
.btn-termin { background: transparent; color: #fff; border: 3px solid #fff; text-transform: uppercase; font-size: 14px; letter-spacing: .4px; }
.btn-termin:hover { background: #fff; color: var(--cta-bg); }
.btn-secondary { background: #fff; border: 1px solid var(--border); color: var(--primary); }
.btn-secondary:hover { transform: translateY(-1px); box-shadow: 0 8px 18px rgba(16,24,40,.08); }

.calc-module {
    background: var(--card-bg);
    border-radius: 18px;
    box-shadow: var(--shadow);
    margin-bottom: 30px;
    overflow: hidden;
    border: 1px solid var(--border);
}
.module-header { padding: 34px 38px 0; }
.compact-header { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; }
h3, .section-title { font-size: 22px; margin-bottom: 8px; color: var(--text-main); }
h4, .card-title { color: var(--primary); font-size: 18px; margin-bottom: 16px; }
.subtext { font-size: 15px; color: var(--text-muted); line-height: 1.5; }
.highlight-text { color: var(--primary); font-size: 19px; }

.input-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px 32px; padding: 34px 38px 38px; }
.assumption-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; padding: 30px 38px 38px; }
.input-group label, .assumption-card label { display: block; font-weight: 800; margin-bottom: 10px; color: #344054; }
.field-hint { margin-top: 8px; color: var(--text-muted); font-size: 13px; line-height: 1.4; }

.checkbox-group { display: flex; align-items: center; gap: 12px; background: #f8fafc; border: 1px solid var(--border); border-radius: 12px; padding: 14px; }
.checkbox-group input { width: 20px; height: 20px; accent-color: var(--primary); flex: 0 0 auto; }
.checkbox-group label { margin: 0; }
.inner-checkbox { background: #fff; }

.modern-slider { -webkit-appearance: none; width: 100%; height: 8px; background: var(--primary-light); border-radius: 4px; outline: none; margin-top: 10px; }
.modern-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--primary); cursor: pointer; box-shadow: 0 3px 6px rgba(0,0,143,0.3); transition: 0.2s; }
.modern-slider::-webkit-slider-thumb:hover { transform: scale(1.12); }
.modern-slider::-moz-range-thumb { width: 24px; height: 24px; border-radius: 50%; background: var(--primary); cursor: pointer; border: none; }
.slider-labels { display: flex; justify-content: space-between; font-size: 13px; color: var(--text-muted); margin-top: 8px; padding: 0 5px; }

.money-input, .percent-input { display: flex; align-items: center; border: 1px solid var(--border); border-radius: 10px; overflow: hidden; background: #fff; }
.money-input input, .percent-input input, .plain-input { width: 100%; border: none; outline: none; padding: 13px 14px; font: inherit; font-weight: 800; color: var(--text-main); background: #fff; }
.plain-input { border: 1px solid var(--border); border-radius: 10px; }
select.plain-input { appearance: auto; }
.money-input span, .percent-input span { padding: 0 14px; color: var(--text-muted); font-weight: 900; border-left: 1px solid var(--border); align-self: stretch; display: flex; align-items: center; background: #f8fafc; }
.assumption-card { border: 1px solid var(--border); border-radius: 14px; padding: 20px; background: #fcfdff; }
.assumption-card label:not(:first-of-type) { margin-top: 14px; }
.tax-card, .payout-card, .switch-card { background: #fffaf0; border-color: #ffe1a6; }

.result-hero {
    display: grid;
    grid-template-columns: 1.7fr 1fr;
    gap: 24px;
    align-items: center;
    background: #101828;
    color: #fff;
    border-radius: 18px;
    padding: 34px 38px;
    margin-bottom: 18px;
    box-shadow: var(--shadow);
}
.result-hero .eyebrow { color: #6cc0ff; }
.result-hero h2 { font-size: clamp(26px, 4vw, 38px); margin-bottom: 8px; letter-spacing: -0.03em; }
.result-hero p { color: rgba(255,255,255,.78); line-height: 1.5; }
.result-number { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); border-radius: 14px; padding: 22px; text-align: center; }
.result-number span, .result-number small { display: block; color: rgba(255,255,255,.7); }
.result-number strong { display: block; color: #fff; font-size: 34px; margin: 6px 0; }

.status-box { background: var(--warning-bg); border: 1px solid var(--warning-border); border-left: 5px solid var(--warning-border); border-radius: 12px; padding: 16px 18px; margin-bottom: 30px; color: #5f4700; }
.status-box strong { display: block; margin-bottom: 4px; }
.status-box p { line-height: 1.45; }

.comparison-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-bottom: 30px; }
.product-card { background: #fff; border: 1px solid var(--border); border-radius: 18px; padding: 26px; box-shadow: var(--shadow); position: relative; overflow: hidden; }
.product-card.featured { border: 2px solid var(--primary); }
.product-card.featured::before { content: ''; position: absolute; inset: 0 0 auto 0; height: 5px; background: linear-gradient(90deg, var(--primary), var(--cta-bg)); }
.product-head { display: flex; justify-content: space-between; gap: 12px; align-items: flex-start; margin-bottom: 18px; }
.product-head h3 { font-size: 21px; margin: 0; }
.tag { display: inline-flex; white-space: nowrap; background: #e8f5ff; color: var(--cta-bg); border-radius: 999px; padding: 5px 9px; font-size: 12px; font-weight: 900; }
.tag.muted { background: #f2f4f7; color: #667085; }
.big-value { font-size: clamp(30px, 4vw, 42px); font-weight: 900; color: var(--primary); letter-spacing: -0.04em; }
.metric-label { color: var(--text-muted); font-size: 14px; margin: 2px 0 18px; }
.bar { height: 12px; background: #eef2f7; border-radius: 999px; overflow: hidden; margin-bottom: 18px; }
.bar span { display: block; height: 100%; width: 4%; border-radius: 999px; background: linear-gradient(90deg, var(--primary), var(--cta-bg)); transition: width .45s ease; }
.facts { display: grid; gap: 10px; }
.facts div { display: flex; justify-content: space-between; gap: 14px; border-bottom: 1px solid #f0f2f5; padding-bottom: 9px; }
.facts dt { color: var(--text-muted); font-size: 14px; }
.facts dd { font-weight: 900; text-align: right; }
.note { margin-top: 16px; color: var(--text-muted); font-size: 13px; line-height: 1.45; }


.comparison-note {
    margin: -18px 38px 38px;
    background: #f8fafc;
    border: 1px solid var(--border);
    border-left: 5px solid var(--primary);
    border-radius: 12px;
    padding: 15px 18px;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.5;
}
.comparison-note strong { color: var(--text-main); }
.percent-input input[readonly] { background: #f2f4f7; color: #475467; cursor: not-allowed; }
.free-risk-info {
    margin-top: 14px;
    border: 1px solid #f3b4ae;
    background: #fff5f5;
    border-radius: 12px;
    overflow: hidden;
}
.free-risk-info summary {
    list-style: none;
    cursor: pointer;
    padding: 11px 13px;
    background: #c62828;
    color: #fff;
    font-size: 13px;
    font-weight: 900;
    display: flex;
    justify-content: space-between;
    gap: 10px;
    align-items: center;
}
.free-risk-info summary::-webkit-details-marker { display: none; }
.free-risk-info summary::after { content: '+'; font-size: 18px; line-height: 1; }
.free-risk-info[open] summary::after { content: '–'; }
.free-risk-info p {
    padding: 13px;
    color: #7a271a;
    font-size: 13px;
    line-height: 1.45;
}

.details-module .module-header { padding-bottom: 22px; }
.table-wrap { overflow-x: auto; padding: 0 38px 38px; }
table { width: 100%; border-collapse: collapse; min-width: 800px; }
th, td { text-align: right; padding: 15px; border-bottom: 1px solid var(--border); }
th:first-child, td:first-child { text-align: left; color: var(--text-muted); }
th { color: var(--primary); background: #f8fafc; font-size: 14px; }
td { font-weight: 800; }
tbody th[scope="row"] { background: none; font-size: inherit; font-weight: 800; color: var(--text-muted); text-align: left; }
.strong-row td { color: var(--primary); font-size: 18px; background: #fbfcff; }
.strong-row td:first-child, .strong-row th[scope="row"] { color: var(--text-main); font-size: 18px; background: #fbfcff; }

.disclaimer-box { background: #eef1f6; padding: 26px; border-radius: 12px; border-left: 5px solid #aeb8cc; font-size: 13px; color: #555; line-height: 1.6; }
.disclaimer-box h2, .disclaimer-box h4 { margin-bottom: 10px; color: #333; font-size: 15px; }
.disclaimer-box p { margin-bottom: 10px; }
.disclaimer-box p:last-child { margin-bottom: 0; }
.sources-box { margin-top: 20px; background: var(--card-bg); padding: 22px 26px; border-radius: 12px; border: 1px solid var(--border); font-size: 13px; color: #555; line-height: 1.6; }
.sources-box h2, .sources-box h4 { margin-bottom: 8px; color: #333; font-size: 15px; }
.sources-box p { margin-bottom: 10px; }
.sources-list { margin: 0; padding-left: 18px; }
.sources-list li { margin-bottom: 4px; overflow-wrap: anywhere; }
.sources-list a { color: var(--primary); }
.sources-section .sources-list { font-size: 15px; line-height: 1.6; }
.app-footer { text-align: center; margin-top: 40px; padding-top: 20px; border-top: 1px solid #e2e8f0; }
.app-footer a { display: inline-block; padding: 6px 0; color: var(--text-muted); text-decoration: none; font-size: 14px; margin: 0 15px; transition: color .2s ease; }
.app-footer a:hover { color: var(--primary); }

@media (max-width: 1040px) {
    .assumption-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 960px) {
    .hero-container, .result-hero { grid-template-columns: 1fr; }
    .comparison-grid { grid-template-columns: 1fr; }
}

@media (max-width: 680px) {
    body { padding: 14px; }
    .input-grid, .assumption-grid { grid-template-columns: 1fr; padding: 24px; }
    .module-header, .hero-content, .hero-cta, .result-hero { padding: 26px; }
    .compact-header { flex-direction: column; }
    .table-wrap { padding: 0 20px 24px; }
    .product-card { padding: 22px; }
    .product-head { flex-direction: column; }
    .result-number strong { font-size: 28px; }
}


/* v3: Beitrags-Info, SEO-Akkordeons und Lead-Popup */
.label-row { display: flex !important; align-items: center; justify-content: space-between; gap: 10px; }
.info-button {
    width: 28px;
    height: 28px;
    border-radius: 999px;
    border: 2px solid var(--primary);
    background: #fff;
    color: var(--primary);
    font-weight: 900;
    cursor: pointer;
    line-height: 1;
}
.info-button:hover { background: var(--primary); color: #fff; }
.contribution-info {
    margin-top: 12px;
    border: 1px solid var(--border);
    background: #fbfcff;
    border-radius: 14px;
    padding: 14px;
    box-shadow: 0 10px 24px rgba(16,24,40,.06);
}
.contribution-info[hidden] { display: none; }
.info-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 12px;
    align-items: center;
    padding: 11px 0;
    border-bottom: 1px solid #eef2f7;
}
.info-row:first-child { padding-top: 0; }
.info-row:last-of-type { border-bottom: none; }
.info-row strong { display: block; color: var(--text-main); font-size: 14px; margin-bottom: 3px; }
.info-row span { color: var(--text-muted); font-size: 13px; line-height: 1.35; }
.quick-set {
    border: 1px solid var(--primary);
    background: #fff;
    color: var(--primary);
    font-weight: 900;
    border-radius: 999px;
    padding: 8px 12px;
    cursor: pointer;
    white-space: nowrap;
}
.quick-set:hover { background: var(--primary); color: #fff; }

.info-accordion-section {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    box-shadow: var(--shadow);
    padding: 34px 38px;
    margin-bottom: 30px;
}
.info-section-head { margin-bottom: 20px; }
.info-section-head h2 { color: var(--primary); font-size: clamp(24px, 3vw, 34px); margin: 8px 0; letter-spacing: -.025em; }
.info-card {
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 0;
    margin-top: 12px;
    overflow: hidden;
    background: #fcfdff;
}
.info-card summary {
    cursor: pointer;
    list-style: none;
    padding: 18px 20px;
    font-weight: 900;
    color: var(--text-main);
    display: flex;
    justify-content: space-between;
    gap: 16px;
}
.info-card summary::-webkit-details-marker { display: none; }
.info-card summary::after { content: '+'; color: var(--primary); font-size: 22px; line-height: 1; }
.info-card[open] summary::after { content: '–'; }
.info-card p { padding: 0 20px 20px; color: var(--text-muted); line-height: 1.6; }

.lead-modal[hidden] { display: none; }
.lead-modal { position: fixed; inset: 0; z-index: 9999; display: flex; align-items: center; justify-content: center; padding: 20px; }
.lead-backdrop { position: absolute; inset: 0; background: rgba(16,24,40,.58); backdrop-filter: blur(4px); }
.lead-dialog {
    position: relative;
    width: min(560px, 100%);
    background: #fff;
    border-radius: 20px;
    padding: 34px;
    box-shadow: 0 26px 70px rgba(16,24,40,.28);
}
.lead-dialog h2 { color: var(--primary); font-size: clamp(26px, 4vw, 38px); margin: 8px 0 12px; letter-spacing: -.03em; }
.lead-dialog p { color: var(--text-muted); line-height: 1.55; margin-bottom: 18px; }
.lead-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border: none;
    border-radius: 999px;
    background: #f2f4f7;
    color: var(--text-main);
    cursor: pointer;
    font-size: 26px;
    line-height: 1;
}
.lead-close:hover { background: #e4e7ec; }
.lead-input-row { display: flex; gap: 10px; margin: 8px 0 12px; }
.lead-input-row input {
    flex: 1;
    min-width: 0;
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 13px 14px;
    font: inherit;
    font-weight: 800;
}
.btn-lead {
    border: none;
    border-radius: 10px;
    background: var(--primary);
    color: #fff;
    font-weight: 900;
    padding: 0 18px;
    cursor: pointer;
}
.btn-lead:hover { background: var(--cta-bg); }
.privacy-check { display: flex !important; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--text-muted) !important; line-height: 1.45; }
.privacy-check input { margin-top: 2px; accent-color: var(--primary); }
.lead-feedback { min-height: 20px; font-weight: 800; color: var(--primary) !important; margin: 10px 0 0 !important; }
.hp-field { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }

@media (max-width: 680px) {
    .comparison-note { margin: -8px 25px 28px; }
    .info-row { grid-template-columns: 1fr; }
    .quick-set { justify-self: flex-start; }
    .info-accordion-section { padding: 24px; }
    .lead-dialog { padding: 28px 22px; }
    .lead-input-row { flex-direction: column; }
    .btn-lead { min-height: 46px; }
}

/* v4.2: Cookie-Banner und Cookie-Einstellungen */
.footer-cookie-button {
    border: none;
    background: transparent;
    color: var(--text-muted);
    font: inherit;
    font-size: 14px;
    margin: 0 15px;
    padding: 6px 0;
    cursor: pointer;
    text-decoration: none;
}
.footer-cookie-button:hover { color: var(--primary); }
.link-button { background: none; border: 0; padding: 0; font: inherit; color: var(--primary); text-decoration: underline; cursor: pointer; }

.cookie-banner[hidden], .cookie-settings-modal[hidden] { display: none; }
.cookie-banner {
    position: fixed;
    left: 20px;
    right: 20px;
    bottom: 20px;
    z-index: 10000;
    display: flex;
    justify-content: center;
    pointer-events: none;
}
.cookie-banner-content {
    width: min(980px, 100%);
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    box-shadow: 0 24px 70px rgba(16,24,40,.24);
    padding: 22px;
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 20px;
    align-items: center;
    pointer-events: auto;
}
.cookie-banner strong { display: block; color: var(--primary); font-size: 18px; margin-bottom: 6px; }
.cookie-banner p { color: var(--text-muted); line-height: 1.45; font-size: 14px; }
.cookie-actions, .cookie-settings-actions { display: flex; gap: 10px; flex-wrap: wrap; justify-content: flex-end; }
.btn-cookie {
    border-radius: 999px;
    padding: 10px 16px;
    font-weight: 900;
    font: inherit;
    cursor: pointer;
    border: 1px solid var(--primary);
    white-space: nowrap;
}
.btn-cookie.primary { background: var(--primary); color: #fff; }
.btn-cookie.primary:hover { background: var(--cta-bg); border-color: var(--cta-bg); }
.btn-cookie.ghost { background: #fff; color: var(--primary); }
.btn-cookie.ghost:hover, .btn-cookie.secondary:hover { background: var(--primary-light); }
.btn-cookie.secondary { background: #f8fafc; color: var(--primary); }

.cookie-settings-modal {
    position: fixed;
    inset: 0;
    z-index: 10001;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
}
.cookie-settings-backdrop { position: absolute; inset: 0; background: rgba(16,24,40,.58); backdrop-filter: blur(4px); }
.cookie-settings-dialog {
    position: relative;
    width: min(620px, 100%);
    background: #fff;
    border-radius: 20px;
    padding: 34px;
    box-shadow: 0 26px 70px rgba(16,24,40,.28);
}
.cookie-settings-dialog h2 { color: var(--primary); font-size: clamp(26px, 4vw, 38px); margin: 8px 0 12px; letter-spacing: -.03em; }
.cookie-settings-dialog p { color: var(--text-muted); line-height: 1.55; margin-bottom: 18px; }
.cookie-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border: none;
    border-radius: 999px;
    background: #f2f4f7;
    color: var(--text-main);
    cursor: pointer;
    font-size: 26px;
    line-height: 1;
}
.cookie-close:hover { background: #e4e7ec; }
.cookie-option {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 16px;
    align-items: center;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 16px;
    margin: 12px 0;
    background: #fcfdff;
    color: var(--text-main) !important;
}
.cookie-option strong { display: block; color: var(--text-main); margin-bottom: 3px; }
.cookie-option span { display: block; color: var(--text-muted); font-size: 14px; line-height: 1.4; }
.cookie-option input { width: 22px; height: 22px; accent-color: var(--primary); }
.required-pill {
    background: #ecfdf3;
    color: #027a48 !important;
    border-radius: 999px;
    padding: 6px 10px;
    font-size: 12px !important;
    font-weight: 900;
    white-space: nowrap;
}
.cookie-settings-actions { margin-top: 18px; }

@media (max-width: 760px) {
    .cookie-banner { left: 12px; right: 12px; bottom: 12px; }
    .cookie-banner-content { grid-template-columns: 1fr; padding: 18px; }
    .cookie-actions, .cookie-settings-actions { justify-content: stretch; }
    .btn-cookie { width: 100%; }
    .cookie-settings-dialog { padding: 28px 22px; }
    .cookie-option { grid-template-columns: 1fr; }
}

/* v4.3: SEO-Erweiterungen */
.last-updated {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: .3em; /* Leerzeichen vor dem <time>-Element bleibt im Flex-Layout sichtbar */
    margin-top: 12px;
    padding: 6px 12px;
    border-radius: 999px;
    background: var(--primary-light);
    color: var(--primary);
    font-size: 13px;
    font-weight: 700;
}

.seo-content-section {
    background: var(--card-bg);
    border-radius: 16px;
    box-shadow: 0 12px 35px rgba(0,0,0,0.05);
    padding: 34px;
    margin-bottom: 30px;
}

.seo-content-section h2 {
    color: var(--primary);
    font-size: 28px;
    line-height: 1.15;
    margin: 8px 0 14px;
}

.seo-content-section p {
    color: var(--text-muted);
    line-height: 1.65;
}

.seo-text-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    margin-top: 24px;
}

.seo-text-grid article {
    background: #f7f9fc;
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    padding: 20px;
}

.seo-text-grid h3 {
    border-bottom: none;
    padding-bottom: 0;
    margin-bottom: 10px;
    color: var(--text-main);
    font-size: 19px;
}

.seo-ratgeber-box {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    align-items: center;
    margin-top: 24px;
    padding: 22px;
    border-radius: 14px;
    background: #eef1f6;
    border-left: 5px solid var(--primary);
}

.seo-ratgeber-box h3 {
    border-bottom: none;
    padding-bottom: 0;
    margin-bottom: 6px;
    color: var(--primary);
}

.btn-secondary.as-link {
    text-decoration: none;
    white-space: nowrap;
}

.breadcrumb {
    display: flex;
    gap: 8px;
    align-items: center;
    margin-bottom: 18px;
    color: var(--text-muted);
    font-size: 14px;
}

.breadcrumb a {
    color: var(--primary);
    font-weight: 700;
    text-decoration: none;
}

.article-wrapper {
    max-width: 940px;
}

.article-card {
    background: var(--card-bg);
    border-radius: 18px;
    box-shadow: 0 12px 35px rgba(0,0,0,0.06);
    padding: 44px;
    margin-bottom: 30px;
}

.article-header {
    text-align: center;
    margin-bottom: 30px;
}

.article-header h1 {
    color: var(--primary);
    font-size: clamp(34px, 6vw, 54px);
    line-height: 1.02;
    margin: 8px 0 14px;
}

.article-header p {
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
    color: var(--text-muted);
    line-height: 1.6;
    font-size: 18px;
}

.article-card section {
    margin-top: 34px;
}

.article-card h2 {
    color: var(--primary);
    font-size: 28px;
    margin-bottom: 12px;
}

.article-card p {
    color: var(--text-main);
    line-height: 1.75;
    margin-bottom: 14px;
    font-size: 17px;
}

.article-cta-inline,
.article-cta-final {
    background: linear-gradient(135deg, var(--primary), #007AC9);
    color: #fff;
    border-radius: 16px;
    padding: 24px;
}

.article-cta-inline {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    align-items: center;
}

.article-cta-inline strong,
.article-cta-inline span {
    display: block;
    color: #fff;
}

.article-cta-inline strong {
    font-size: 20px;
    margin-bottom: 4px;
}

.article-cta-final {
    margin-top: 40px;
    text-align: center;
}

.article-cta-final h2,
.article-cta-final p {
    color: #fff;
}

.article-cta-final .btn-termin,
.article-cta-inline .btn-termin {
    border-color: #fff;
    color: #fff;
}

.article-cta-final .btn-termin:hover,
.article-cta-inline .btn-termin:hover {
    background: #fff;
    color: var(--primary);
}

@media (max-width: 820px) {
    .seo-text-grid {
        grid-template-columns: 1fr;
    }

    .seo-ratgeber-box,
    .article-cta-inline {
        flex-direction: column;
        align-items: flex-start;
    }

    .article-card {
        padding: 28px;
    }
}

/* Ratgeber: Inhaltsverzeichnis und Tabellen */
.article-toc { background: var(--bg-color); border: 1px solid var(--border); border-radius: 12px; padding: 18px 22px; margin: 0 0 28px; }
.article-toc h2 { font-size: 16px; margin: 0 0 8px; color: var(--text-main); }
.article-toc ol { margin: 0; padding-left: 20px; columns: 2; column-gap: 28px; }
.article-toc li { margin-bottom: 6px; break-inside: avoid; }
.article-toc a { color: var(--primary); display: inline-block; padding: 2px 0; }
.article-card section[id] { scroll-margin-top: 16px; }
.article-table { padding: 0; margin: 16px 0; }
.article-table table { min-width: 620px; }
.article-table caption { text-align: left; font-size: 14px; color: var(--text-muted); padding-bottom: 8px; }
@media (max-width: 680px) { .article-toc ol { columns: 1; } }

/* Rechner-Modus: mit Riester-Vertrag (Standard) oder vereinfacht ohne Riester */
.mode-simple .riester-only { display: none !important; }
body:not(.mode-simple) .simple-only { display: none; }
.mode-pending .calc-flow { display: none !important; }
.mode-chooser { background: var(--card-bg); border: 2px solid var(--primary); border-radius: 18px; padding: 30px; margin-bottom: 30px; box-shadow: var(--shadow); }
.mode-chooser h2 { font-size: clamp(24px, 3.4vw, 32px); color: var(--primary); margin-bottom: 8px; }
.mode-chooser > p { color: var(--text-muted); margin-bottom: 20px; }
.mode-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.mode-option { text-align: left; background: #f8fafc; border: 2px solid var(--border); border-radius: 14px; padding: 20px; cursor: pointer; font: inherit; color: var(--text-main); transition: border-color .2s ease, background .2s ease; }
.mode-option:hover, .mode-option:focus-visible { border-color: var(--primary); background: var(--primary-light); }
.mode-option strong { display: block; font-size: 19px; color: var(--primary); margin-bottom: 6px; }
.mode-option span { display: block; color: var(--text-muted); line-height: 1.5; }
.mode-line { margin-top: 6px; color: var(--text-muted); font-size: 15px; }
.mode-simple .comparison-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.mode-simple .details-module table { min-width: 560px; }
@media (max-width: 680px) { .mode-options { grid-template-columns: 1fr; } .mode-chooser { padding: 22px; } }

/* Dauerhaft sichtbarer Termin-Button */
.sticky-cta { position: fixed; right: 20px; bottom: 20px; z-index: 900; display: inline-flex; align-items: center; gap: 10px; background: var(--cta-bg); color: #fff; text-decoration: none; font-weight: 900; font-size: 16px; padding: 14px 22px; border-radius: 999px; box-shadow: 0 10px 28px rgba(0, 0, 0, .22); transition: transform .2s ease, background .2s ease; }
.sticky-cta:hover, .sticky-cta:focus-visible { background: var(--primary); transform: translateY(-2px); }
.sticky-cta svg { width: 20px; height: 20px; flex: 0 0 auto; }
.cookie-banner-visible .sticky-cta { display: none; }
body.has-sticky-cta { padding-bottom: 90px; }
@media (max-width: 680px) {
    .sticky-cta { left: 12px; right: 12px; bottom: 12px; justify-content: center; font-size: 15px; padding: 14px 16px; }
}