/* Externe Google Fonts entfernt: keine Verbindung zu Google beim Seitenaufruf. */
/* bKV Startklar | independent blue visual system */
:root{--navy:#143456;--deep:#102b4a;--ink:#173350;--blue:#256aab;--blue2:#307ec4;--ice:#eaf4ff;--pale:#f2f7fc;--white:#fff;--paper:#f9fbfd;--muted:#627487;--line:#dbe6f0;--gold:#d8a456;--shadow:0 18px 50px rgba(14,45,80,.10);--radius:20px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:120px}body{margin:0;background:#fff;color:var(--ink);font-family:"Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;line-height:1.68;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button{font:inherit}strong{font-weight:730}p{margin:0 0 1.22em}p:last-child{margin-bottom:0}h1,h2,h3{margin:0;line-height:1.25}h3{font-size:1.25rem;letter-spacing:-.03em}.ico{width:23px;height:23px;vertical-align:middle;flex-shrink:0}.shell{width:min(1200px,calc(100% - 64px));margin:0 auto}.skip{position:fixed;z-index:2000;top:-60px;left:12px;background:var(--deep);color:#fff;padding:12px}.skip:focus{top:12px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #e3ad57;outline-offset:4px}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(18px);border-bottom:1px solid #eaf0f6}.header-inner{min-height:93px;display:flex;align-items:center;gap:22px}.brand{display:inline-flex;align-items:center;gap:11px;flex-shrink:0}.brand-mark{width:45px;height:45px;border-radius:14px;background:linear-gradient(140deg,#154475,#276eb5);display:grid;place-items:center;color:#fff;box-shadow:0 6px 13px rgba(31,87,142,.2)}.brand-mark .ico{width:26px;height:26px}.brand-lines{display:flex;flex-direction:column}.brand-lines strong{font-size:1.34rem;line-height:1.1;letter-spacing:-.04em;color:var(--navy)}.brand-lines strong span{color:var(--blue2);font-weight:650}.brand-lines small{font-size:.48rem;font-weight:800;letter-spacing:.14em;line-height:1.8;color:#718299}.navigation{display:flex;gap:4px;margin-left:auto;align-items:center}.navigation a{font-size:.83rem;font-weight:650;color:#4a617a;white-space:nowrap;padding:11px 10px;border-radius:9px;transition:.2s}.navigation a:hover,.navigation a.current{color:var(--blue);background:#f1f7fd}.header-book{font-size:.78rem;font-weight:750;white-space:nowrap;background:var(--navy);color:white;padding:12px 13px;border-radius:10px;transition:.2s}.header-book:hover{background:var(--blue)}.header-book span{margin-left:6px}.nav-toggle{display:none;margin-left:auto;background:none;border:0;width:38px;height:38px;padding:8px;cursor:pointer}.nav-toggle span{display:block;height:2px;background:var(--navy);margin:5px 0;border-radius:3px}
.display{font:normal 700 clamp(2.7rem,4.7vw,5rem)/1.13 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;letter-spacing:-.047em;color:var(--navy)}.display em{color:var(--blue);font-style:normal}.display.small-display{font-size:clamp(2.28rem,3.75vw,3.68rem)}.eyebrow{font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;font-weight:840;color:#2769a5;margin-bottom:17px}.eyebrow.light{color:#a4c8ed}.section{padding:102px 0}.section-pale{background:#f5f8fc}.section-blue-mist{background:linear-gradient(110deg,#eaf3fc,#f6faff)}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:40px}.section-heading h2{max-width:770px}.section-heading p{max-width:660px;color:var(--muted);margin-top:16px;font-size:1.04rem}.section-heading.centered{display:block;text-align:center;max-width:760px;margin:0 auto 47px}.section-heading.centered p{margin:17px auto 0}.lead{font-size:1.17rem;color:#65788d;line-height:1.8;max-width:780px;margin-top:25px}.button-line{display:flex;align-items:center;gap:13px;flex-wrap:wrap;margin-top:29px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:26px;min-height:52px;padding:13px 21px;border-radius:11px;font-weight:730;font-size:.92rem;transition:transform .2s,background .2s,box-shadow .2s;white-space:nowrap}.button:hover{transform:translateY(-2px)}.button span{font-size:1.13rem;line-height:1}.button-primary{background:#246bad;color:white;box-shadow:0 9px 24px rgba(35,106,171,.19)}.button-primary:hover{background:var(--navy)}.button-outline{background:white;border:1px solid #c3d7eb;color:var(--navy)}.button-outline:hover{border-color:var(--blue);background:#edf5fd}.button-text{color:var(--navy);border:0;background:none;padding-inline:6px}.button-light{color:var(--navy);background:#fff}.button-light-outline{border:1px solid #769fc4;color:white}.button-light-outline:hover{background:#ffffff21}.text-link{font-weight:800;font-size:.93rem;color:#246aa9;display:inline-flex;gap:13px;align-items:center;line-height:1.6}.text-link:hover,.footer-profile:hover{color:#468cc9}.external-arrow{font-size:.88em}.source-note{font-size:.76rem;color:#738398;margin-top:30px;line-height:1.8}.source-note a{text-decoration:underline;text-underline-offset:3px}
.hero-home{background:linear-gradient(117deg,#f5f9fe 0%,#eff6fd 47%,#e6f0fa 100%);overflow:hidden}.hero-home-grid{display:grid;grid-template-columns:1.07fr .93fr;gap:65px;min-height:680px;align-items:center;padding:70px 0 85px}.hero-copy{position:relative;z-index:2}.pill{display:inline-block;font-size:.75rem;color:#23649d;font-weight:750;border:1px solid #c7dff2;background:#fff;border-radius:40px;padding:8px 14px;margin-bottom:31px}.hero-home h1{font-size:clamp(3.5rem,5.4vw,5.85rem);max-width:680px}.hero-intro{max-width:600px;font-size:1.12rem;color:#566d84;margin:24px 0 0;line-height:1.85}.hero-proof{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:38px;font-size:.76rem;font-weight:650;color:#55718b}.hero-proof span{display:flex;align-items:center;gap:5px}.hero-proof .ico{width:17px;height:17px;color:#2176ba}.hero-art{height:545px;position:relative;isolation:isolate}.hero-art-frame{width:91%;height:100%;border:10px solid #fff;background:#fff;border-radius:125px 24px 24px 24px;overflow:hidden;position:relative;box-shadow:0 25px 55px #15385d30;z-index:2;margin-left:auto}.hero-art img{width:100%;height:100%;object-fit:cover;object-position:50% 25%}.hero-art-frame:after{content:"";position:absolute;inset:55% 0 0;background:linear-gradient(0deg,rgba(12,35,62,.65),transparent);pointer-events:none}.hero-photo-badge{position:absolute;z-index:3;bottom:28px;left:27px;color:white;max-width:280px}.hero-photo-badge span{display:block;font-size:.79rem;color:#cfe0f2}.hero-photo-badge strong{font:normal 700 1.4rem/1.24 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif}.blue-orbit{position:absolute;z-index:-1;border-radius:50%;background:#cadef1}.blue-orbit-one{width:290px;height:290px;top:-60px;right:-80px}.blue-orbit-two{width:170px;height:170px;bottom:-50px;left:-50px;border:16px solid #d2e6f7;background:none}
.fact-bar{background:#15385e;color:#fff}.fact-bar-grid{display:grid;grid-template-columns:repeat(3,1fr)}.fact-bar-grid>div{padding:26px 40px 26px 0;display:flex;align-items:center;gap:17px;position:relative}.fact-bar-grid>div+div{padding-left:35px;border-left:1px solid #ffffff2e}.fact-big{font:normal 700 2.9rem "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;color:#fff;letter-spacing:-.09em;white-space:nowrap}.fact-big span{color:#a3c8e9}.fact-bar p{font-size:.8rem;line-height:1.6;color:#cfe0ef;margin:0}.audience-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.audience-card{border-radius:20px;overflow:hidden;background:#fff;border:1px solid #e1eaf3;box-shadow:0 10px 32px #143b630b;transition:transform .2s,box-shadow .2s}.audience-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}.audience-image{height:240px;overflow:hidden;position:relative}.audience-image:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,#15395a31,transparent 55%)}.audience-image img{width:100%;height:100%;object-fit:cover}.audience-body{padding:29px 32px 31px}.audience-body h3{font:normal 700 2.05rem/1.2 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;letter-spacing:-.04em;color:var(--navy);max-width:480px}.audience-body p{font-size:.96rem;color:#667b90;line-height:1.8;margin:16px 0 23px}.story-grid{display:grid;grid-template-columns:1fr .85fr;gap:90px;align-items:center}.story-grid>div:first-child>p,.split-grid>div>p,.dual-copy>div>p{font-size:1.02rem;color:#60748a;line-height:1.85;margin-top:16px}.story-panel{padding:55px;border-radius:23px;background:linear-gradient(148deg,#153f70,#206bab);color:#fff;box-shadow:var(--shadow);transform:rotate(1.1deg)}.story-mark{font-size:6rem;line-height:.7;color:#c5ddf5;font-family:"Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif}.story-statement{font:normal 700 2.1rem/1.3 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;letter-spacing:-.035em;margin-top:9px}.story-divider{height:1px;background:#ffffff40;margin:26px 0 16px}.story-caption{font-size:.79rem;color:#d5e7f8}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.service-card{background:white;border:1px solid #dfe9f3;border-radius:16px;padding:30px;min-height:212px}.service-icon,.feature-icon{display:grid;place-items:center;width:52px;height:52px;background:#eaf4ff;color:#2772af;border-radius:14px;margin-bottom:22px}.service-card h3{color:#16395e}.service-card p{color:#698096;font-size:.91rem;margin-top:9px;line-height:1.75}.dual-copy{display:grid;grid-template-columns:1fr .96fr;gap:75px;align-items:center}.checked-list{padding:0;list-style:none;margin:25px 0 30px}.checked-list li{padding:8px 0 8px 34px;position:relative;color:#4d6982}.checked-list li:before{content:"✓";position:absolute;top:9px;left:0;width:21px;height:21px;background:#d2e8f8;color:#1b70b4;display:grid;place-items:center;border-radius:50%;font-size:.8rem;font-weight:800}.image-essay{position:relative}.image-essay img{height:400px;width:100%;object-fit:cover;border-radius:18px}.caption-card{position:absolute;right:-18px;bottom:-20px;max-width:290px;padding:20px 23px;border-radius:14px;background:#fff;color:var(--navy);font-size:.9rem;line-height:1.6;box-shadow:var(--shadow)}.caption-card strong{display:block}
.advisor-section{padding:108px 0;background:#fff}.advisor-grid{display:grid;grid-template-columns:.74fr 1fr;gap:85px;align-items:center}.advisor-image{height:495px;border-radius:20px;overflow:hidden;background:#edf2f8}.advisor-image img{width:100%;height:100%;object-fit:cover;object-position:50% 21%}.advisor-grid>div:nth-child(2)>p{color:#61758b;font-size:1rem;margin-top:17px}.advisor-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:23px}.advisor-tags span{font-size:.75rem;border-radius:99px;padding:7px 12px;background:#eaf3fb;color:#245d90;font-weight:720}.advisor-grid .advisor-official{font-size:.82rem;margin-top:18px}.advisor-official a{text-decoration:underline;text-underline-offset:3px}.bottom-cta{background:linear-gradient(120deg,#12365e,#245c96);color:white;padding:74px 0}.bottom-cta-inner{display:flex;gap:50px;justify-content:space-between;align-items:center}.bottom-cta .display{color:white;font-size:clamp(2.3rem,3.4vw,3.5rem)}.bottom-cta p{color:#cfe1f2;margin-top:16px;max-width:640px;font-size:1.02rem}.bottom-cta-actions{display:grid;gap:13px;min-width:248px}.bottom-cta-actions .button{justify-content:space-between}
.site-footer{background:#0e2641;color:#b5c7d9;padding-top:70px}.footer-grid{display:grid;grid-template-columns:1.55fr .8fr .9fr;gap:68px}.brand-footer .brand-lines strong{color:white}.brand-footer .brand-lines small{color:#b8cde0}.footer-about>p{font-size:.85rem;max-width:425px;margin-top:22px;line-height:1.8}.footer-about .disclosure{color:#93abc2;margin-top:12px}.site-footer h3{color:#fff;font-size:.95rem;letter-spacing:.02em;margin:7px 0 24px}.site-footer .footer-grid>div:nth-child(n+2)>a{display:block;margin-bottom:11px;font-size:.85rem;overflow-wrap:anywhere}.site-footer a:hover{color:white;text-decoration:underline}.footer-profile{color:#d4e8fa;font-size:.83rem;font-weight:750;display:inline-block;margin-top:17px}.footer-grid>div:nth-child(3)>p{font-size:.88rem;margin-bottom:18px}.footer-bottom{border-top:1px solid #ffffff22;margin-top:54px;padding:20px 0;display:flex;justify-content:space-between;gap:22px;font-size:.75rem;color:#85a0b8}.footer-bottom a{margin-left:18px}
.page-hero{padding:56px 0 77px;background:linear-gradient(120deg,#f5f9fe,#edf5fc)}.page-hero-dark{background:linear-gradient(112deg,#163961,#245d99);color:#fff}.page-hero .display{max-width:850px;font-size:clamp(3.3rem,5vw,5.1rem)}.page-hero-dark .display{color:#fff}.page-hero-dark .display em{color:#abd0f3}.page-hero-dark .lead{color:#d2e4f5}.page-hero .button{margin-top:12px}.page-hero .breadcrumb{margin-bottom:43px}.breadcrumb{font-size:.74rem;display:flex;gap:10px;align-items:center;color:#6a84a0}.breadcrumb a{text-decoration:underline;text-underline-offset:3px}.page-hero-dark .breadcrumb{color:#abcbe5}.page-hero-dark .eyebrow{color:#bcd8ef}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.feature-card{border:1px solid #dee9f3;border-radius:17px;padding:30px;background:#fff;min-height:255px;position:relative}.feature-number{position:absolute;right:28px;top:28px;font-family:"Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;font-size:1.6rem;color:#d7e3ed}.feature-card h3{color:#16395d}.feature-card p{color:#657b91;font-size:.92rem;margin-top:10px;line-height:1.75}.feature-grid.cols-3{grid-template-columns:repeat(3,1fr)}.split-grid{display:grid;grid-template-columns:1fr .82fr;gap:80px;align-items:center}.split-grid.align-center{align-items:center}.callout-card{background:linear-gradient(135deg,#16406e,#2478bd);border-radius:21px;color:#fff;padding:44px;box-shadow:0 19px 45px #16487726}.callout-eyebrow{font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:#c7e1f7;font-weight:740}.callout-card>strong{font:normal 6.2rem/1.1 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;display:block;letter-spacing:-.06em;margin:19px 0 6px}.callout-card strong small{font:normal 1.1rem ui-sans-serif,system-ui;letter-spacing:0}.callout-card h3{font-size:1.4rem;color:#fff}.callout-card p{color:#d3e8f8;margin-top:18px;font-size:.96rem}.callout-foot{display:inline-block;color:#fff;border-top:1px solid #ffffff42;margin-top:25px;padding-top:14px;font-size:.79rem}.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:23px}.timeline.three{grid-template-columns:repeat(3,1fr)}.timeline>div{position:relative;padding:20px 15px 12px 0}.timeline>div+div:before{content:"";position:absolute;top:45px;left:-17px;width:11px;border-top:2px dotted #adc8de}.timeline b{width:57px;height:57px;display:grid;place-items:center;background:#e8f3fd;border:1px solid #c5e0f5;color:#216cab;border-radius:50%;font:normal 1.35rem "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif}.timeline h3{margin-top:21px;font-size:1.11rem}.timeline p{color:#6b7f90;font-size:.9rem;margin-top:10px}.faq-list{display:grid;gap:12px}.max-faq{max-width:950px}.faq-item{border:1px solid #dae7f2;border-radius:12px;background:#fff;padding:0 23px}.faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:1rem;font-weight:750;color:#234563;cursor:pointer;padding:20px 0;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-sign{width:24px;height:24px;display:grid;place-items:center;color:#3478b1;flex-shrink:0}.faq-sign:after{content:'+';font-size:1.5rem;font-weight:400}.faq-item[open] .faq-sign:after{content:'−'}.faq-answer{border-top:1px solid #edf2f7;padding:17px 0 22px;color:#657c91;line-height:1.8;font-size:.95rem}.faq-answer p{margin:0}.photo-card{position:relative;border-radius:18px;overflow:hidden}.photo-card img{height:390px;width:100%;object-fit:cover}.photo-card-caption{position:absolute;bottom:0;left:0;right:0;background:#163a61e8;color:#fff;padding:21px;font-size:.88rem}.quote-box{background:white;padding:60px;border-left:5px solid #337fbe;border-radius:0 18px 18px 0}.quote-box>span{font-size:.78rem;text-transform:uppercase;letter-spacing:.13em;color:#286eab;font-weight:740}.quote-box p{font:normal 2.05rem/1.38 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;color:var(--navy);margin-top:25px}.service-grid-large{grid-template-columns:repeat(4,1fr)}.service-grid-large .service-card{padding:27px 24px}.simple-explainer{display:flex;gap:29px;align-items:center;padding:34px;border:1px solid #d7e4f0;border-radius:18px;background:#f6f9fd}.simple-explainer .feature-icon{flex-shrink:0}.simple-explainer h2{font:normal 1.75rem "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;color:var(--navy)}.simple-explainer p{font-size:.91rem;color:#657b90;margin-top:9px}.simple-explainer .button{margin-left:auto;flex-shrink:0}.sources-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.sources-cards>a{background:white;border:1px solid #d7e6f3;border-radius:16px;padding:27px;min-height:190px;transition:.2s}.sources-cards>a:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.sources-cards small{font-size:.74rem;font-weight:750;color:#3b80b6}.sources-cards h3{font:normal 1.44rem "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;margin:15px 0;color:var(--navy)}.sources-cards p{font-size:.88rem;color:#647c8f}.sources-cards span{font-weight:750;font-size:.84rem;color:var(--blue)}.notice-box{background:#eef6fe;border:1px solid #d1e4f5;border-radius:15px;padding:27px 32px;margin-top:37px;color:#536b80}.notice-box h3{color:var(--navy);margin:0 0 14px}.notice-box p{font-size:.92rem;margin:12px 0}.contact-grid{display:grid;grid-template-columns:1.23fr .77fr;gap:47px}.contact-card-main{background:#f5f9fd;border:1px solid #e0e9f3;border-radius:19px;padding:45px}.contact-option{display:flex;gap:20px;padding-top:28px;margin-top:28px;border-top:1px solid #d9e6f0}.contact-option>.ico{color:#2e77b4;background:#e0f0fd;border-radius:13px;padding:12px;width:53px;height:53px;flex-shrink:0}.contact-option h3{color:var(--navy);font-size:1.22rem}.contact-option p{color:#677d91;font-size:.95rem;margin-top:8px}.contact-option .button{margin-top:8px}.contact-aside{border:1px solid #dbe6f0;border-radius:18px;overflow:hidden;align-self:start}.contact-aside img{height:385px;width:100%;object-fit:cover;object-position:50% 18%}.contact-aside-body{padding:25px}.contact-aside-body h3{color:var(--navy)}.contact-aside-body p{font-size:.89rem;color:#657b90;margin-top:12px}.contact-aside-body hr{border:0;border-top:1px solid #e3edf5;margin:20px 0}.legal-prose{max-width:850px;margin:0 auto;color:#536e82;font-size:1rem;overflow-wrap:anywhere}.legal-prose h2{font:normal 1.55rem/1.35 "Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;color:var(--navy);margin:32px 0 14px}.legal-prose h2:first-child{margin-top:0}.legal-prose a{text-decoration:underline;color:#1c6cb0;text-underline-offset:3px}.legal-prose p{line-height:1.85}.legal-prose ul{padding-left:21px}.legal-prose .notice-box h3{margin-top:0}
@media(max-width:1260px){.navigation a{font-size:.77rem;padding:10px 7px}.brand-lines strong{font-size:1.18rem}.header-inner{gap:12px}.header-book{font-size:.73rem}.hero-home-grid{gap:44px}}
@media(max-width:1050px){.navigation{display:none;position:absolute;top:79px;left:0;right:0;background:#fff;box-shadow:0 16px 30px #183a5a1c;padding:18px 30px 26px;flex-direction:column;align-items:stretch;gap:4px;max-height:calc(100vh - 82px);overflow:auto}.navigation.open{display:flex}.navigation a{font-size:.92rem;padding:11px}.header-inner{min-height:79px}.nav-toggle{display:block}.header-book{margin-left:auto}.hero-home-grid{gap:28px}.hero-art{height:475px}.hero-home h1{font-size:4.1rem}.split-grid,.dual-copy,.story-grid{gap:40px}.service-grid-large{grid-template-columns:repeat(2,1fr)}.footer-grid{gap:35px}}
@media(max-width:780px){.shell{width:min(100% - 36px,640px)}.section{padding:74px 0}.display{font-size:clamp(2.5rem,8vw,4rem)}.display.small-display{font-size:clamp(2.25rem,7vw,3.4rem)}.hero-home-grid{grid-template-columns:1fr;padding:52px 0 60px;gap:34px}.hero-home h1{font-size:clamp(3.1rem,9vw,4.7rem)}.hero-art{width:min(440px,100%);height:440px;margin:0 auto}.hero-art-frame{width:100%;border-radius:95px 20px 20px 20px}.blue-orbit-one{right:-22px}.fact-bar-grid{grid-template-columns:1fr}.fact-bar-grid>div,.fact-bar-grid>div+div{padding:18px 0;border-left:0;border-top:1px solid #ffffff24}.fact-bar-grid>div:first-child{border-top:0}.fact-big{min-width:85px;font-size:2.5rem}.audience-cards,.story-grid,.dual-copy,.advisor-grid,.split-grid,.contact-grid{grid-template-columns:1fr}.audience-image{height:210px}.story-panel{transform:none}.section-heading{display:block}.section-heading>.text-link{margin-top:17px}.service-grid,.feature-grid,.feature-grid.cols-3{grid-template-columns:repeat(2,1fr)}.image-essay img{height:330px}.advisor-section{padding:77px 0}.advisor-image{height:430px;max-width:430px}.bottom-cta-inner{display:block}.bottom-cta-actions{display:flex;flex-wrap:wrap;margin-top:26px}.footer-grid{grid-template-columns:1fr 1fr;gap:40px}.footer-about{grid-column:1/-1}.timeline{grid-template-columns:repeat(2,1fr)}.timeline.three{grid-template-columns:repeat(2,1fr)}.timeline>div:before{display:none}.sources-cards{grid-template-columns:1fr}.simple-explainer{align-items:start;flex-wrap:wrap}.simple-explainer .button{margin-left:0}.page-hero{padding:38px 0 58px}}
@media(max-width:510px){.brand-lines small{font-size:.41rem}.brand-lines strong{font-size:1.13rem}.brand-mark{width:41px;height:41px}.header-book{display:none}.hero-home h1{font-size:3.08rem}.hero-intro{font-size:1rem}.pill{font-size:.68rem}.button-line{flex-direction:column;align-items:stretch}.button-line .button{width:100%}.hero-art{height:410px}.hero-photo-badge{bottom:23px;left:18px}.hero-photo-badge strong{font-size:1.3rem}.eyebrow{font-size:.68rem}.audience-body{padding:23px}.audience-body h3{font-size:1.8rem}.service-grid,.feature-grid,.feature-grid.cols-3,.service-grid-large,.timeline,.timeline.three{grid-template-columns:1fr}.service-card,.feature-card{min-height:auto}.story-panel{padding:36px}.story-statement{font-size:1.8rem}.caption-card{right:10px;bottom:10px}.image-essay img{height:290px}.advisor-image{height:365px}.footer-grid{grid-template-columns:1fr;gap:28px}.footer-about{grid-column:auto}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:13px}.footer-bottom a{margin:0 15px 0 0}.page-hero .display{font-size:clamp(2.7rem,10vw,3.6rem)}.page-hero .breadcrumb{margin-bottom:28px}.callout-card{padding:32px}.callout-card>strong{font-size:4.8rem}.quote-box{padding:33px}.quote-box p{font-size:1.7rem}.contact-card-main{padding:25px}.contact-option{gap:13px}.contact-option>.ico{width:43px;height:43px;padding:9px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}

/* Oktober 2026: Ubuntu-basierte Überarbeitung der Startseite. */
.hero-home-grid{min-height:645px;gap:62px}
.hero-home h1{font-size:clamp(3.2rem,5vw,5.18rem);line-height:1.13;max-width:650px}
.hero-home .display em{color:#287bb8}
.hero-intro{font-size:1.07rem;line-height:1.78;max-width:605px}
.hero-intro strong{color:var(--navy);font-weight:700}
.hero-micro{font-size:.85rem;color:#667c91;margin-top:22px}
.hero-home .pill{margin-bottom:25px}
.hero-home .button-line{margin-top:27px}
.advantage-strip{background:#13395e;color:#fff}
.advantage-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0}
.advantage-item{display:flex;gap:16px;align-items:flex-start;min-height:166px;padding:31px 26px 27px 0}
.advantage-item+.advantage-item{padding-left:27px;border-left:1px solid rgba(255,255,255,.18)}
.advantage-number{font-family:"Ubuntu","Cabin",sans-serif;font-weight:700;font-size:.9rem;color:#94c8f1;background:#225480;padding:5px 8px;border-radius:8px;line-height:1.25}
.advantage-item h2{font-size:1.2rem;line-height:1.25;letter-spacing:-.025em;color:#fff;font-weight:700;margin-top:0}
.advantage-item p{font-size:.83rem;line-height:1.6;color:#cbdfee;margin-top:8px}
.personal-story{padding-top:92px;padding-bottom:82px;background:linear-gradient(110deg,#f7fafd,#ecf4fc)}
.personal-story .story-grid{grid-template-columns:1.08fr .85fr;gap:72px;align-items:center}
.personal-story-copy p{font-size:1rem;color:#5c7188;line-height:1.85;margin-top:15px}
.personal-story-copy strong{color:#183d60}
.story-personal-panel{background:linear-gradient(145deg,#194a79,#0f2f53);transform:none;padding:49px 43px;border-radius:20px;box-shadow:0 24px 50px rgba(20,55,92,.14)}
.story-personal-panel .story-mark{font-size:2.5rem;line-height:1;color:#abd6fb;font-family:inherit}
.story-panel-label{color:#b9d8ef;text-transform:uppercase;letter-spacing:.12em;font-size:.7rem;font-weight:700;margin:27px 0 14px}
.story-personal-panel .story-statement{font:normal 700 clamp(1.55rem,2.5vw,2.15rem)/1.38 "Ubuntu","Cabin",sans-serif;letter-spacing:-.035em;color:#fff}
.story-personal-panel .story-caption{font-size:.8rem;line-height:1.75}
.family-caveat{font-size:.83rem;line-height:1.8;color:#52677d;background:#fff;border:1px solid #dceaf5;border-radius:12px;padding:19px 23px;margin-top:39px}
.family-caveat strong{color:#1e4f78}
.family-caveat a{color:#2472b2;font-weight:700;text-decoration:underline;text-underline-offset:3px}
@media(max-width:1050px){.hero-home-grid{gap:35px}.hero-home h1{font-size:clamp(3rem,5.4vw,4.6rem)}.personal-story .story-grid{gap:36px}}
@media(max-width:780px){.hero-home-grid{grid-template-columns:1fr}.advantage-grid{grid-template-columns:1fr}.advantage-item,.advantage-item+.advantage-item{padding:18px 0;min-height:auto;border-left:0;border-top:1px solid rgba(255,255,255,.16)}.advantage-item:first-child{border-top:0}.personal-story .story-grid{grid-template-columns:1fr}.personal-story{padding-top:70px}.story-personal-panel{max-width:550px}}
@media(max-width:510px){.hero-home h1{font-size:clamp(2.85rem,10vw,3.45rem)}.hero-home .pill{margin-bottom:18px}.hero-intro{font-size:1rem}.advantage-item h2{font-size:1.09rem}.story-personal-panel{padding:33px 28px}.story-personal-panel .story-statement{font-size:1.68rem}.family-caveat{padding:18px}}


/* bKV Startklar – October 2026, story-first homepage concept */
.story-opening{background:linear-gradient(118deg,#f8fbfe 0%,#f1f7fd 59%,#e6f2fc 100%);padding:78px 0 31px;position:relative;overflow:hidden}
.story-opening-grid{display:grid;grid-template-columns:minmax(0,1.17fr) minmax(0,.83fr);gap:64px;align-items:center}
.story-opening-text{position:relative;z-index:1}
.story-kicker{font-size:.77rem;letter-spacing:.15em;text-transform:uppercase;font-weight:700;color:#2c78b9;display:flex;gap:12px;align-items:center;margin-bottom:26px}
.story-kicker-line{height:2px;background:#4a96cd;width:39px;display:inline-block}
.story-opening-title{font-family:"Ubuntu","Segoe UI","Trebuchet MS",Arial,sans-serif;font-size:clamp(2.8rem,4.12vw,4.75rem);line-height:1.13;letter-spacing:-.046em;font-weight:700;color:#12365b;max-width:790px;margin:0 0 30px}
.story-opening-title em{font-style:normal;color:#2876b7}
.story-opening-text p{color:#526c82;font-size:.99rem;line-height:1.74;max-width:690px;margin:0 0 16px}
.story-opening-text .story-opening-lead{font-weight:700;font-size:1.13rem;line-height:1.64;color:#213f5d}
.story-opening-text strong{font-weight:700;color:#173b62}
.story-opening-actions{display:flex;gap:20px;align-items:center;flex-wrap:wrap;margin-top:29px}
.story-subtle-link{font-size:.85rem;font-weight:700;color:#225c8b;text-decoration:underline;text-underline-offset:5px}
.story-opening-visual{position:relative;display:grid;place-items:center;min-height:540px}
.story-visual-halo{position:absolute;width:580px;height:580px;border:1px solid #b7d6ed;border-radius:50%;right:-240px;top:-110px;z-index:0;box-shadow:0 0 0 45px #dbeefd55,0 0 0 98px #dceffd45}
.story-visual-card{position:relative;z-index:1;background:linear-gradient(150deg,#194c80 0%,#133759 100%);color:white;padding:59px 47px 43px;border-radius:24px 110px 24px 24px;box-shadow:0 30px 70px #153d6030;width:100%;min-height:490px;display:flex;flex-direction:column;justify-content:center}
.story-visual-small{font-size:.69rem;letter-spacing:.17em;color:#c2ddf2;font-weight:700}
.story-visual-rule{width:57px;height:3px;background:#85b6e2;margin:24px 0 28px;border-radius:5px}
.story-visual-card>p{font-weight:500;font-size:clamp(1.65rem,2.5vw,2.2rem);line-height:1.42;letter-spacing:-.045em;color:#f0f7fe;margin-bottom:35px}
.story-visual-card>p strong{display:block;color:#fff;font-weight:700}
.story-visual-signature{display:flex;gap:12px;align-items:center;border-top:1px solid #ffffff35;padding-top:23px}
.story-visual-signature img{width:49px;height:49px;object-fit:cover;object-position:center 15%;border-radius:50%;border:2px solid #ffffff90}
.story-visual-signature strong{font-size:.85rem;display:block;font-weight:700;color:#fff}
.story-visual-signature span{font-size:.69rem;color:#c8d9e9;line-height:1.4;display:block;margin-top:3px}
.story-disclaimer{margin-top:44px!important;padding-top:20px;border-top:1px solid #d8e8f5;font-size:.77rem;color:#688096;line-height:1.65;max-width:1100px}
.story-disclaimer strong{color:#355778}
.value-bridge{background:#163d63;color:#fff;padding:65px 0 69px}
.value-bridge-inner{display:grid;grid-template-columns:.93fr 1.07fr;gap:76px;align-items:center}
.value-bridge-kicker{font-size:.72rem;letter-spacing:.15em;font-weight:750;color:#a8d5f7;text-transform:uppercase}
.value-bridge h2{font:700 clamp(2.2rem,3.5vw,3.55rem)/1.2 "Ubuntu","Cabin",Arial,sans-serif;letter-spacing:-.04em;color:#fff;margin-top:15px}
.value-bridge h2 em{font-style:normal;color:#a8d5f7}
.value-bridge p{color:#dceaf7;font-size:1.05rem;line-height:1.85;margin:0 0 13px}
.value-bridge p strong{color:#fff}
.benefit-intro{padding:86px 0;background:#fff}
.benefit-intro-head{text-align:center;max-width:810px;margin:0 auto 42px}
.benefit-intro-head p{color:#60788d;max-width:670px;margin:14px auto 0;font-size:1rem}
.benefit-intro-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.benefit-intro-item{background:#f5f9fd;border:1px solid #e1ecf5;padding:30px;border-radius:17px}
.benefit-intro-number{font-size:.78rem;font-weight:700;color:#2a70ab;display:inline-flex;padding:6px 10px;border:1px solid #c9e0f2;border-radius:7px;background:#e9f4fd;margin-bottom:18px}
.benefit-intro-item h3{font-size:1.19rem;line-height:1.35;font-weight:700;color:#143a5c}
.benefit-intro-item p{margin-top:12px;color:#627b90;font-size:.88rem;line-height:1.76}
.benefit-intro-source{font-size:.76rem;color:#788da0;margin-top:22px}
.benefit-intro-source a{text-decoration:underline;text-underline-offset:3px}
@media(max-width:1050px){.story-opening-grid{gap:35px}.story-opening-title{font-size:clamp(2.5rem,4.5vw,3.8rem)}.story-visual-card{padding:45px 36px 35px}.story-visual-card>p{font-size:1.8rem}.value-bridge-inner{gap:34px}}
@media(max-width:780px){.story-opening{padding:53px 0 26px}.story-opening-grid{grid-template-columns:1fr;gap:35px}.story-opening-title{font-size:clamp(2.8rem,8vw,4rem)}.story-opening-visual{min-height:unset}.story-visual-card{min-height:unset;border-radius:20px 80px 20px 20px;padding:46px 38px}.story-visual-card>p{max-width:500px}.story-disclaimer{margin-top:28px!important}.value-bridge-inner{grid-template-columns:1fr;gap:22px}.value-bridge{padding:55px 0}.benefit-intro-grid{grid-template-columns:1fr}.benefit-intro{padding:68px 0}.benefit-intro-item{padding:25px}}
@media(max-width:510px){.story-opening-title{font-size:clamp(2.35rem,9.8vw,3.2rem)}.story-opening-text p{font-size:.96rem}.story-opening-text .story-opening-lead{font-size:1.07rem}.story-opening-actions{align-items:stretch;flex-direction:column}.story-opening-actions .button{white-space:normal;justify-content:space-between}.story-visual-card{padding:38px 29px;border-radius:20px 68px 20px 20px}.story-visual-card>p{font-size:1.65rem}.value-bridge h2{font-size:2.25rem}}

/* Klinikbeispiel: tatsächlich geschilderte Wartezeit, keine Tarifgarantie. */
.story-waittime{display:flex;align-items:baseline;gap:16px;color:#fff;white-space:nowrap;margin-top:26px;font-weight:700;letter-spacing:-.065em}
.story-waittime>span:not(.story-waittime-arrow){font-size:clamp(2.65rem,4.3vw,4.5rem);line-height:1.05}
.story-waittime small{font-size:.84rem;letter-spacing:0;font-weight:500;color:#cee2f2}
.story-waittime-arrow{font-size:2.7rem;color:#90caed;font-weight:400}
.story-waittime-caption{font-size:.83rem;line-height:1.55;color:#d4e4f3;margin-top:13px}
.story-visual-card .story-visual-rule{margin:32px 0 24px}
.story-visual-card>p{font-size:clamp(1.42rem,2.02vw,1.8rem);line-height:1.43;margin-bottom:26px}
.story-disclaimer a{text-decoration:underline;text-underline-offset:3px;color:#2d6d9e}
@media(max-width:510px){.story-waittime{gap:10px}.story-waittime>span:not(.story-waittime-arrow){font-size:2.65rem}.story-waittime small{font-size:.69rem}.story-waittime-arrow{font-size:2.1rem}}

/* Persönliches Porträt direkt neben der Einstiegsgeschichte */
.story-opening-visual{display:flex;flex-direction:column;align-items:stretch;gap:22px;min-height:0;isolation:isolate}
.story-advisor-large{display:block;width:100%;height:290px;object-fit:cover;object-position:center 44%;border-radius:22px 96px 22px 22px;box-shadow:0 22px 50px #143e6425;position:relative;z-index:1}
.story-opening-visual .story-visual-card{min-height:unset;border-radius:22px;padding:35px 38px 32px}
.story-opening-visual .story-visual-card>p{margin-bottom:22px}
@media(max-width:780px){.story-advisor-large{max-height:330px;height:clamp(225px,49vw,330px);border-radius:20px 75px 20px 20px}}
@media(max-width:510px){.story-advisor-large{height:250px;border-radius:18px 55px 18px 18px}.story-opening-visual .story-visual-card{padding:32px 26px}}

/* Eigenständige bKV-Startklar-Beratung mit direkter Weiterleitung auf offizielle Produktunterlagen */
.official-product-section{background:#edf5fd;padding:78px 0;border-top:1px solid #d9e8f5}
.official-product-layout{display:grid;grid-template-columns:1fr .78fr;gap:65px;align-items:center}
.official-product-layout h2{max-width:650px}
.official-product-layout p{color:#536d86;line-height:1.85;margin-top:21px;max-width:670px}
.official-product-actions{display:grid;gap:13px}
.official-product-actions a{background:#fff;border:1px solid #d6e5f3;border-radius:16px;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:21px 22px;color:#173d63;box-shadow:0 9px 21px rgba(18,52,87,.045);transition:box-shadow .2s,transform .2s}
.official-product-actions a:hover{box-shadow:0 16px 33px rgba(18,52,87,.11);transform:translateY(-2px)}
.official-product-actions strong{font-size:1.04rem;line-height:1.35;display:block}
.official-product-actions small{color:#6a8198;font-size:.82rem;display:block;margin-top:6px;line-height:1.5}
.official-product-actions a>span:last-child{font-size:1.3rem;color:#2b77b5}
.official-role-note{font-size:.86rem;color:#55718b;margin-top:23px;line-height:1.8;max-width:675px}
.official-role-note strong{color:#244f75}
.legal-clarification{padding:24px 0 31px;font-size:.78rem;line-height:1.7;color:#6d8496}
.legal-clarification p{border-top:1px solid #e0eaf3;padding-top:17px}
.advisor-grid .advisor-role-statement{font-size:.82rem!important;color:#58738b!important;line-height:1.78!important}
.value-bridge .value-role-note{font-size:.83rem;margin-top:18px;color:#c0d8eb}
.contact-disclosure p{color:#5d758c;font-size:.85rem;padding-top:14px}
.footer-about .footer-product{display:block;margin-top:10px}
@media(max-width:850px){.official-product-layout{grid-template-columns:1fr;gap:32px}.official-product-section{padding:61px 0}}
@media(max-width:510px){.official-product-actions a{padding:17px}.official-product-layout h2{font-size:2rem}}

/* bkv-startklar.de: Schreibweise im Logo und Erstinformation */
.brand-lines strong span.brand-domain{font-size:.73em;letter-spacing:0;color:#5d7187;font-weight:650}
.brand-footer .brand-lines strong span.brand-domain{color:#b7cde4}
.footer-bottom span:last-child{display:flex;flex-wrap:wrap;align-items:center;gap:12px 18px}
.footer-bottom span:last-child a{margin-left:0}
.idd-page .shell{max-width:1120px}
.idd-page h1{margin-bottom:15px}
.idd-lead{max-width:770px;color:#56738e;font-size:1.13rem;line-height:1.8}
.idd-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:40px}
.idd-card{background:white;border:1px solid #dce7f2;border-radius:18px;padding:30px;box-shadow:0 9px 26px rgba(14,45,80,.045)}
.idd-card h2{font-size:1.3rem;color:#163b62;letter-spacing:-.025em;margin-bottom:16px}
.idd-card p{font-size:.96rem;color:#4f667e;line-height:1.8}
.idd-card a{color:#236caf;text-decoration:underline;text-underline-offset:3px;overflow-wrap:anywhere}
.idd-card.companies{grid-column:1/-1}
.idd-card.companies ul{columns:2;column-gap:35px;padding-left:20px;margin:12px 0}
.idd-card.companies li{break-inside:avoid;padding-left:5px;margin-bottom:8px;color:#4f667e}
.idd-note{margin-top:28px;color:#60758b;font-size:.86rem;line-height:1.8}
@media(max-width:800px){.idd-cards{grid-template-columns:1fr}.idd-card.companies ul{columns:1}}
@media(max-width:510px){.brand-lines strong{font-size:1.03rem}.brand-lines small{font-size:.39rem}.idd-card{padding:23px}}
@media print{.site-header,.site-footer,.nav-toggle,.button-line{display:none!important}.idd-page .section{padding:20px 0}.idd-card{box-shadow:none;break-inside:avoid}.idd-cards{display:block}.idd-card{margin-bottom:14px}}