/* ============================================================
   Ratgeber-/Artikel-Styles
   Wird zusätzlich zu styles.css + mobile.css auf allen
   /ratgeber/* Seiten geladen. Selber Farb- und Schrift-Stack
   wie Hauptseite, aber Layout für Long-Form-Content.
   ============================================================ */

/* Breadcrumb-Leiste */
.crumbs{
  max-width:1100px;margin:24px auto 0;padding:0 32px;
  font-size:12px;letter-spacing:.6px;color:var(--muted);
}
.crumbs a{color:var(--navy-700);text-decoration:none;border-bottom:1px dotted transparent;transition:border-color .15s ease}
.crumbs a:hover{border-bottom-color:var(--navy-700)}
.crumbs .sep{margin:0 8px;color:var(--gold)}
.crumbs .current{color:var(--ink);font-weight:600}

/* Artikel-Container */
.article-wrap{
  max-width:780px;margin:0 auto;padding:36px 32px 60px;
}
.article-wrap.wide{max-width:1100px}

/* Artikel-Header */
.article-head{
  padding:48px 0 36px;border-bottom:1px solid var(--line);margin-bottom:36px;
}
.article-tag{
  display:inline-block;font-family:var(--font-heading);font-size:11px;
  letter-spacing:3px;text-transform:uppercase;color:var(--gold);font-weight:700;
  margin-bottom:14px;
}
.article-head h1{
  font-family:var(--font-heading);font-size:42px;line-height:1.15;
  color:var(--navy-900);font-weight:600;letter-spacing:-.6px;margin-bottom:18px;
}
.article-head h1 em{color:var(--navy-700);font-style:italic;font-weight:500}
.article-lede{
  font-size:18px;line-height:1.65;color:var(--ink);
  font-family:var(--font-body);font-weight:400;
}
.article-lede strong{color:var(--navy-900);font-weight:600}

/* Meta-Zeile: Stand, Autor, Lesezeit */
.article-meta{
  display:flex;flex-wrap:wrap;gap:18px;margin-top:20px;
  font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);font-weight:600;
}
.article-meta span{display:inline-flex;align-items:center;gap:6px}
.article-meta .am-dot{color:var(--gold)}
.article-meta strong{color:var(--navy-900);font-weight:700}

/* Body-Typografie */
.article-body{font-size:16.5px;line-height:1.75;color:var(--ink)}
.article-body p{margin:0 0 18px}
.article-body h2{
  font-family:var(--font-heading);font-size:30px;line-height:1.2;
  color:var(--navy-900);font-weight:600;letter-spacing:-.4px;
  margin:48px 0 18px;padding-top:14px;border-top:1px solid var(--line);
}
.article-body h3{
  font-family:var(--font-heading);font-size:21px;line-height:1.3;
  color:var(--navy-900);font-weight:600;letter-spacing:-.2px;
  margin:30px 0 12px;
}
.article-body h4{
  font-family:var(--font-body);font-size:14px;letter-spacing:1.5px;text-transform:uppercase;
  color:var(--navy-700);font-weight:700;margin:22px 0 10px;
}
.article-body ul, .article-body ol{margin:0 0 18px;padding-left:22px}
.article-body li{margin-bottom:8px}
.article-body li::marker{color:var(--gold)}
.article-body strong{color:var(--navy-900);font-weight:700}
.article-body a{color:var(--navy-700);text-decoration:none;border-bottom:1px solid var(--gold-soft);transition:all .15s ease}
.article-body a:hover{color:var(--gold);border-bottom-color:var(--gold)}

/* Inhalts-Verzeichnis */
.toc{
  background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--gold);
  border-radius:3px;padding:20px 22px;margin:0 0 32px;
}
.toc-title{
  font-family:var(--font-heading);font-size:11px;letter-spacing:2.5px;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:12px;
}
.toc ol{margin:0;padding-left:18px;font-size:14px;line-height:1.85}
.toc ol li{margin-bottom:0}
.toc a{color:var(--navy-800);text-decoration:none;border-bottom:none;font-weight:500}
.toc a:hover{color:var(--gold)}

/* Faktenboxen (Hervorhebungen im Fließtext) */
.factbox{
  background:linear-gradient(180deg,#fffdf6,#fff);border:1px solid var(--gold-soft);
  border-left:4px solid var(--gold);border-radius:3px;padding:18px 22px;margin:24px 0;
}
.factbox-title{
  font-family:var(--font-heading);font-size:11.5px;letter-spacing:2.5px;text-transform:uppercase;
  color:var(--gold);font-weight:700;margin-bottom:8px;
}
.factbox p{font-size:14.5px;line-height:1.65;color:var(--ink);margin:0}
.factbox p + p{margin-top:10px}
.factbox strong{color:var(--navy-900)}

/* Warnbox */
.warnbox{
  background:#fff8f4;border:1px solid #f0d4c4;border-left:4px solid #b8742b;
  border-radius:3px;padding:18px 22px;margin:24px 0;
}
.warnbox-title{
  font-family:var(--font-heading);font-size:11.5px;letter-spacing:2.5px;text-transform:uppercase;
  color:#b8742b;font-weight:700;margin-bottom:8px;
}
.warnbox p{font-size:14.5px;line-height:1.65;color:var(--ink);margin:0}

/* Vergleichs-Tabellen */
.cmp-table{
  width:100%;border-collapse:collapse;margin:24px 0;font-size:14px;
  background:#fff;border:1px solid var(--line);border-radius:4px;overflow:hidden;
}
.cmp-table thead{background:linear-gradient(180deg,var(--navy-950),var(--navy-800));color:#fff}
.cmp-table th{
  text-align:left;padding:12px 16px;font-family:var(--font-body);font-weight:600;
  font-size:12px;letter-spacing:1.2px;text-transform:uppercase;color:var(--gold-soft);
}
.cmp-table td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}
.cmp-table tbody tr:nth-child(even){background:var(--paper)}
.cmp-table .check{color:#2f8a4f;font-weight:700}
.cmp-table .cross{color:#b8334a;font-weight:700}
.cmp-table .partial{color:#b8742b;font-weight:700}

/* Pro/Contra zweispaltig */
.proscons{
  display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:24px 0;
}
.proscons-card{
  background:#fff;border:1px solid var(--line);border-radius:3px;padding:18px 20px;
}
.proscons-card.pros{border-left:3px solid #2f8a4f}
.proscons-card.cons{border-left:3px solid #b8334a}
.proscons-title{
  font-family:var(--font-heading);font-size:13px;letter-spacing:2px;text-transform:uppercase;
  font-weight:700;margin-bottom:10px;
}
.proscons-card.pros .proscons-title{color:#2f8a4f}
.proscons-card.cons .proscons-title{color:#b8334a}
.proscons-card ul{margin:0;padding-left:18px;font-size:14px;line-height:1.6}
.proscons-card li{margin-bottom:6px}

/* CTA-Box: Rechner-Magnet (in jedem Artikel) */
.calc-magnet{
  background:linear-gradient(135deg,var(--navy-950) 0%, var(--navy-800) 60%, var(--navy-900) 100%);
  color:#fff;border-radius:4px;padding:36px 36px 32px;margin:36px 0;
  position:relative;overflow:hidden;
}
.calc-magnet::before{
  content:"";position:absolute;top:-40%;right:-20%;width:420px;height:420px;
  background:radial-gradient(circle,rgba(201,169,106,.16),transparent 70%);pointer-events:none;
}
.calc-magnet-tag{
  font-family:var(--font-heading);font-size:11px;letter-spacing:3px;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:10px;position:relative;
}
.calc-magnet h3{
  font-family:var(--font-heading);font-size:26px;color:#fff;font-weight:600;
  margin:0 0 12px;letter-spacing:-.3px;line-height:1.25;position:relative;
}
.calc-magnet h3 em{color:var(--gold-soft);font-style:italic;font-weight:500}
.calc-magnet p{
  color:#c8d2e8;font-size:14.5px;line-height:1.65;max-width:520px;margin:0 0 20px;position:relative;
}
.calc-magnet-btn{
  display:inline-flex;align-items:center;gap:10px;
  background:var(--gold);color:var(--navy-900);
  padding:14px 24px;border-radius:3px;text-decoration:none;border:1px solid var(--gold);
  font-family:var(--font-heading);font-size:14.5px;font-weight:600;letter-spacing:.3px;
  transition:all .2s ease;position:relative;
}
.calc-magnet-btn:hover{
  background:transparent;color:var(--gold);border-color:var(--gold);transform:translateY(-1px);
}
.calc-magnet-btn .arrow{transition:transform .2s ease}
.calc-magnet-btn:hover .arrow{transform:translateX(3px)}

/* Soft-CTA (zweite Variante, heller) */
.soft-cta{
  background:linear-gradient(180deg,var(--cream),#fff);
  border:1px solid var(--line);border-left:3px solid var(--gold);
  border-radius:3px;padding:24px 28px;margin:30px 0;
}
.soft-cta-tag{
  font-family:var(--font-heading);font-size:11px;letter-spacing:2.5px;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:6px;
}
.soft-cta h4{
  font-family:var(--font-heading);font-size:19px;color:var(--navy-900);
  font-weight:600;margin:0 0 8px;line-height:1.3;letter-spacing:-.2px;
}
.soft-cta p{font-size:14px;color:var(--muted);line-height:1.65;margin:0 0 14px}
.soft-cta-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--navy-900);color:#fff;padding:10px 18px;border-radius:3px;
  text-decoration:none;font-family:var(--font-body);font-size:12px;font-weight:600;
  letter-spacing:1.5px;text-transform:uppercase;transition:all .2s ease;border:1px solid var(--navy-900);
}
.soft-cta-btn:hover{background:transparent;color:var(--navy-900)}

/* FAQ-Sektion */
.article-faq{margin:48px 0 0;padding-top:36px;border-top:1px solid var(--line)}
.article-faq h2{
  font-family:var(--font-heading);font-size:28px;color:var(--navy-900);
  font-weight:600;margin:0 0 24px;letter-spacing:-.3px;
}
.faq-item{
  background:#fff;border:1px solid var(--line);border-radius:3px;
  padding:18px 22px;margin-bottom:12px;
}
.faq-item-q{
  font-family:var(--font-heading);font-size:17px;color:var(--navy-900);
  font-weight:600;margin:0 0 8px;line-height:1.4;
}
.faq-item-a{font-size:14.5px;line-height:1.7;color:var(--ink);margin:0}
.faq-item-a strong{color:var(--navy-900)}

/* Quellen-Sektion */
.article-sources{
  margin:40px 0 0;padding:24px 26px;background:var(--paper);
  border:1px solid var(--line);border-radius:3px;font-size:12.5px;line-height:1.7;color:var(--muted);
}
.article-sources-title{
  font-family:var(--font-heading);font-size:11px;letter-spacing:2.5px;text-transform:uppercase;
  color:var(--navy-900);font-weight:700;margin-bottom:10px;
}
.article-sources ul{margin:0;padding-left:18px}
.article-sources li{margin-bottom:6px}

/* Verwandte Artikel */
.related-articles{margin:50px 0 0;padding-top:36px;border-top:1px solid var(--line)}
.related-articles h2{
  font-family:var(--font-heading);font-size:24px;color:var(--navy-900);
  font-weight:600;margin:0 0 22px;letter-spacing:-.3px;
}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.related-card{
  display:block;text-decoration:none;border:none !important;
  background:#fff;border:1px solid var(--line) !important;border-radius:4px;
  padding:20px 22px;transition:all .2s ease;
}
.related-card:hover{
  border-color:var(--gold) !important;transform:translateY(-2px);
  box-shadow:0 8px 24px rgba(7,26,61,.06);
}
.related-card-tag{
  font-family:var(--font-heading);font-size:10.5px;letter-spacing:2.5px;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:8px;
}
.related-card-title{
  font-family:var(--font-heading);font-size:16px;color:var(--navy-900);
  font-weight:600;margin:0 0 6px;line-height:1.35;letter-spacing:-.2px;
}
.related-card-desc{font-size:13px;color:var(--muted);line-height:1.55;margin:0}

/* Autorenkasten (E-E-A-T-Signal) */
.author-card{
  margin:36px 0 0;padding:22px 26px;background:#fff;
  border:1px solid var(--line);border-radius:3px;
  display:flex;gap:18px;align-items:flex-start;
}
.author-avatar{
  width:54px;height:54px;border-radius:50%;flex-shrink:0;
  background:linear-gradient(135deg,var(--navy-700),var(--navy-950));
  color:var(--gold);display:grid;place-items:center;
  font-family:var(--font-heading);font-size:22px;font-weight:700;
}
.author-body{flex:1;min-width:0}
.author-name{
  font-family:var(--font-heading);font-size:16px;color:var(--navy-900);
  font-weight:600;margin:0 0 4px;
}
.author-role{
  font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;
  color:var(--gold);font-weight:700;margin-bottom:8px;
}
.author-bio{font-size:13px;color:var(--muted);line-height:1.6;margin:0}

/* Hub-Spezifisch (Ratgeber-Übersicht) */
.hub-hero{
  background:
    radial-gradient(1000px 400px at 20% -20%,rgba(201,169,106,.18),transparent 60%),
    radial-gradient(800px 400px at 90% 10%,rgba(47,111,219,.18),transparent 60%),
    linear-gradient(180deg,var(--navy-950),var(--navy-800));
  color:#fff;padding:64px 48px 56px;text-align:center;
}
.hub-hero .ornament{justify-content:center;color:var(--gold)}
.hub-hero h1{
  font-family:var(--font-heading);font-size:46px;line-height:1.1;color:#fff;
  font-weight:600;letter-spacing:-.6px;margin:14px auto 18px;max-width:780px;
}
.hub-hero h1 em{color:var(--gold-soft);font-style:italic;font-weight:500}
.hub-hero p{font-size:17px;line-height:1.65;color:#cfd8ec;max-width:680px;margin:0 auto}

.hub-grid{
  max-width:1100px;margin:48px auto;padding:0 32px;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;
}
.hub-card{
  display:block;background:#fff;border:1px solid var(--line);border-radius:4px;
  padding:24px 26px;text-decoration:none;color:inherit;
  transition:all .2s ease;position:relative;
}
.hub-card:hover{
  border-color:var(--gold);transform:translateY(-2px);
  box-shadow:0 10px 30px rgba(7,26,61,.08);
}
.hub-card-tag{
  font-family:var(--font-heading);font-size:10.5px;letter-spacing:2.5px;
  text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:8px;
}
.hub-card h3{
  font-family:var(--font-heading);font-size:18.5px;color:var(--navy-900);
  font-weight:600;margin:0 0 8px;line-height:1.3;letter-spacing:-.2px;
}
.hub-card p{font-size:13.5px;color:var(--muted);line-height:1.6;margin:0 0 14px}
.hub-card-arrow{
  font-family:var(--font-heading);font-size:12px;letter-spacing:1.5px;
  text-transform:uppercase;color:var(--navy-700);font-weight:700;
}
.hub-card-arrow::after{content:" →";color:var(--gold);transition:transform .2s ease;display:inline-block}
.hub-card:hover .hub-card-arrow::after{transform:translateX(4px)}

.hub-section-title{
  max-width:1100px;margin:48px auto 18px;padding:0 32px;
  font-family:var(--font-heading);font-size:24px;color:var(--navy-900);
  font-weight:600;letter-spacing:-.3px;
}
.hub-section-title:first-of-type{margin-top:0}

/* Mobile Anpassungen */
@media (max-width:780px){
  .article-wrap{padding:24px 20px 40px}
  .article-head{padding:32px 0 24px}
  .article-head h1{font-size:30px;letter-spacing:-.4px}
  .article-lede{font-size:16px}
  .article-body{font-size:15.5px;line-height:1.7}
  .article-body h2{font-size:23px;margin:36px 0 14px}
  .article-body h3{font-size:18px;margin:24px 0 10px}
  .proscons{grid-template-columns:1fr}
  .calc-magnet{padding:26px 22px}
  .calc-magnet h3{font-size:22px}
  .crumbs{padding:0 20px;margin-top:16px}
  .hub-hero{padding:44px 22px 38px}
  .hub-hero h1{font-size:30px}
  .hub-hero p{font-size:14.5px}
  .hub-grid{padding:0 20px;margin:32px auto}
  .cmp-table{font-size:12.5px}
  .cmp-table th, .cmp-table td{padding:9px 10px}
  .article-faq h2{font-size:22px}
  .author-card{flex-direction:column;gap:12px}
}