/* FastCalc — gemeinsames Stylesheet für Content-/Ratgeber-Seiten */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#f6f8fb;--surface:#ffffff;--surface-2:#f0f3f8;--surface-3:#e6ebf3;
  --border:rgba(22,41,77,0.10);--border-h:rgba(22,41,77,0.18);
  --blue:#1f9cd7;--blue-l:#3cb0e6;--blue-d:#1580b8;--navy:#16294d;
  --orange:#f4711a;--orange-l:#fb8c33;--orange-d:#d95f00;
  --green:#16a34a;--text:#16294d;--muted:#5a6b85;--dim:#9aa6bb;
  --r:12px;--rs:8px;
}
html{scroll-behavior:smooth}
body{
  background-color:var(--bg);
  background-image:radial-gradient(ellipse 80% 50% at 50% 0%,rgba(31,156,215,.08) 0%,transparent 60%);
  color:var(--text);
  font-family:'Inter',-apple-system,sans-serif;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:820px;margin:0 auto;padding:0 24px}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,0.82);backdrop-filter:blur(20px);border-bottom:1px solid var(--border)}
.nav-i{max-width:1100px;margin:0 auto;padding:0 24px;height:60px;display:flex;align-items:center;justify-content:space-between}
.logo{font-weight:700;font-size:17px;color:var(--text);text-decoration:none;display:flex;align-items:center;gap:10px}
.logo-mark{height:38px;width:auto;display:block;flex-shrink:0;object-fit:contain}
.brand{font-weight:800;font-size:18px;letter-spacing:-.3px;color:var(--navy)}
.brand span{color:var(--orange)}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none}
.nav-links a{color:var(--muted);text-decoration:none;font-size:14px;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--text)}
.nav-cta{background:var(--orange)!important;color:#fff!important;padding:8px 16px;border-radius:var(--rs);font-weight:600!important}
.nav-cta:hover{background:var(--orange-d)!important}
@media(max-width:760px){.nav-links li:not(:last-child){display:none}}

/* HERO (kompakt für Content-Seiten) */
.page-hero{padding:130px 0 44px}
.badge{display:inline-flex;align-items:center;gap:6px;background:rgba(31,156,215,.1);border:1px solid rgba(31,156,215,.28);color:var(--blue-d);padding:4px 12px;border-radius:100px;font-size:12px;font-weight:600;margin-bottom:20px}
h1{font-size:clamp(30px,4.6vw,44px);font-weight:800;line-height:1.1;letter-spacing:-1.2px;margin-bottom:16px;text-wrap:balance}
h1 .ac{color:var(--orange)}
.hero-sub{color:var(--muted);font-size:16.5px;line-height:1.7;max-width:640px;margin-bottom:26px}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.btn-p{background:var(--orange);color:#fff;padding:13px 26px;border-radius:var(--rs);font-weight:600;font-size:15px;text-decoration:none;transition:background .2s;display:inline-flex;align-items:center;gap:8px}
.btn-p:hover{background:var(--orange-d)}
.btn-s{background:transparent;color:var(--text);padding:13px 26px;border-radius:var(--rs);border:1px solid var(--border-h);font-weight:600;font-size:15px;text-decoration:none;display:inline-flex;align-items:center;gap:8px}
.btn-s:hover{border-color:rgba(22,41,77,.25);background:rgba(22,41,77,.04)}

/* SEKTIONEN */
section{padding:52px 0}
.tag{font-size:11px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue-d);margin-bottom:12px}
h2{font-size:clamp(24px,3.4vw,32px);font-weight:800;letter-spacing:-.8px;line-height:1.18;margin-bottom:14px;text-wrap:balance}
h3{font-size:18px;font-weight:700;margin:26px 0 8px}
section p{color:var(--muted);font-size:15.5px;max-width:70ch;margin-bottom:14px}
section li{color:var(--muted);font-size:15.5px;margin:7px 0;max-width:66ch}
section ul,section ol{padding-left:24px;margin-bottom:14px}
section a{color:var(--blue-d)}
strong{color:var(--text);font-weight:700}
.divider{height:1px;background:var(--border)}

/* KARTEN */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:32px}
@media(max-width:820px){.card-grid{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:26px}
.card .ico{width:44px;height:44px;background:rgba(31,156,215,.1);border-radius:var(--rs);display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-size:20px}
.card h3{font-size:16px;margin:0 0 6px}
.card p{font-size:14px;margin:0}
.num-badge{width:34px;height:34px;border-radius:50%;background:rgba(31,156,215,.1);color:var(--blue-d);font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}

/* CHECKLISTE */
.check-list{list-style:none;padding:0}
.check-list li{padding-left:30px;position:relative;list-style:none}
.check-list li::before{content:'✓';position:absolute;left:0;top:0;color:var(--green);font-weight:800}

/* TABELLEN */
.tablebox{overflow-x:auto;margin:26px 0;border:1px solid var(--border);border-radius:var(--r);background:var(--surface)}
table{border-collapse:collapse;width:100%;font-size:14px;min-width:640px}
th{background:var(--surface-2);text-align:left;padding:11px 16px;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border-bottom:1px solid var(--border-h);white-space:nowrap}
td{padding:12px 16px;border-bottom:1px solid var(--border);vertical-align:top;color:var(--muted)}
td:first-child{font-weight:600;color:var(--text)}
tr:last-child td{border-bottom:none}
.hl td{background:rgba(244,113,26,.05)}
.pill{display:inline-block;font-size:11.5px;font-weight:700;padding:2px 10px;border-radius:100px;white-space:nowrap;background:rgba(31,156,215,.1);color:var(--blue-d)}
.pill.o{background:rgba(244,113,26,.12);color:var(--orange-d)}
.pill.g{background:rgba(22,163,74,.12);color:var(--green)}

/* INFO-BOXEN */
.info-box{background:var(--surface);border:1px solid var(--border);border-left:4px solid var(--blue);border-radius:10px;padding:18px 22px;margin:22px 0}
.info-box.warn{border-left-color:var(--orange)}
.info-box p{margin:0;font-size:14.5px}

/* FAQ */
.faq-list{margin-top:28px;max-width:780px}
.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:22px 26px;margin-bottom:12px}
.faq-item h3{font-size:16px;font-weight:700;margin:0 0 8px}
.faq-item p{font-size:14.5px;margin:0}

/* CTA */
.cta-sec{text-align:center;padding:70px 0}
.cta-sec h2{margin-bottom:12px}
.cta-sec>.wrap>p,.cta-sec>.wrap-narrow>p{color:var(--muted);margin:0 auto 28px;max-width:56ch}
.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.cta-note{font-size:12.5px;color:var(--dim);margin-top:16px}

/* FOOTER */
footer{border-top:1px solid var(--border);padding:36px 0;font-size:13.5px;color:var(--muted)}
.ft-row{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:18px}
.ft-links{display:flex;flex-wrap:wrap;gap:6px 18px}
.ft-links a{color:var(--muted);text-decoration:none}
.ft-links a:hover{color:var(--text)}