:root{
    --navy-950:#04132e; --navy-900:#071a3d; --navy-800:#0c2a5c;
    --navy-700:#143b85; --navy-600:#1e54b8; --blue-500:#2f6fdb;
    --blue-400:#4f8ce6; --blue-100:#dde9fb;
    --gold:#c9a96a; --gold-soft:#e6d4a8; --cream:#f7f4ed; --paper:#fbfaf6;
    --ink:#0a1530; --muted:#5a6987; --line:#d9dde6;
    --danger:#b8334a; --success:#1f7a55;
    --font-heading:'Playfair Display','Iowan Old Style','Palatino Linotype',Palatino,Georgia,'Times New Roman',serif;
    --font-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html,body{height:100%}
  /* System-Font-Stack: nutzt die jeweilige Default-Schrift des Betriebssystems
     – kein externer Webfont-Server, keine DSGVO-Übertragung an Dritte. */
  body{font-family:var(--font-body);background:var(--paper);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}

  header.topbar{
    background:linear-gradient(180deg,var(--navy-950),var(--navy-900));color:#fff;
    padding:20px 48px;display:flex;align-items:center;justify-content:space-between;
    border-bottom:1px solid rgba(201,169,106,.25);position:sticky;top:0;z-index:50;
    backdrop-filter:blur(8px);
  }
  .brand{
    display:flex;align-items:center;gap:14px;
    font-family:var(--font-heading);font-size:22px;letter-spacing:.5px;
    cursor:pointer;transition:opacity .2s ease;
  }
  .brand:hover{opacity:.85}
  .brand .brand-text{display:flex;flex-direction:column;line-height:1.1}
  .brand .brand-name{font-family:var(--font-heading);font-size:22px;font-weight:600;letter-spacing:.5px}
  .brand .brand-claim{
    font-family:'Inter',sans-serif;font-style:italic;font-weight:400;
    font-size:10px;letter-spacing:1.5px;text-transform:uppercase;
    color:rgba(255,255,255,.45);margin-top:3px;
  }
  @media (max-width:640px){
    .brand .brand-claim{display:none}
  }
  .brand .crest{
    width:40px;height:40px;border-radius:50%;
    background:radial-gradient(circle at 30% 30%, var(--gold-soft), var(--gold) 70%);
    display:grid;place-items:center;color:var(--navy-900);font-weight:700;
    font-family:var(--font-heading);
    box-shadow:0 4px 14px rgba(201,169,106,.4), inset 0 1px 0 rgba(255,255,255,.3);
  }
  .topbar nav{font-size:12px;color:#cfd8ec;letter-spacing:1.8px;text-transform:uppercase;font-weight:600;display:flex;align-items:center;gap:0}
  .topbar nav span{margin-left:26px;opacity:.6;cursor:pointer;transition:opacity .2s ease;position:relative;padding:4px 0}
  .topbar nav span:hover{opacity:1}
  .topbar nav span.active{opacity:1;color:var(--gold-soft)}
  .topbar nav span.active::after{
    content:"";position:absolute;bottom:-4px;left:0;right:0;height:1px;background:var(--gold);
  }

  /* Account-Button im Header */
  .account-btn{
    display:inline-flex;align-items:center;gap:8px;
    margin-left:36px;padding:8px 14px;
    background:rgba(201,169,106,.12);border:1px solid rgba(201,169,106,.35);
    color:var(--gold-soft);border-radius:2px;
    font-family:'Inter',sans-serif;font-size:11px;letter-spacing:1.5px;
    font-weight:600;text-transform:uppercase;cursor:pointer;
    transition:all .25s ease;
  }
  .account-btn:hover{
    background:var(--gold);border-color:var(--gold);color:var(--navy-900);
  }
  .account-btn svg{flex-shrink:0}
  .account-btn.logged-in{
    background:rgba(31,122,85,.15);border-color:rgba(31,122,85,.4);color:#9adcb5;
  }
  .account-btn.logged-in:hover{
    background:var(--success);border-color:var(--success);color:#fff;
  }

  /* ============ ACCOUNT-MODAL ============ */
  .account-view{padding:6px 2px}
  .account-tabs{
    display:flex;gap:0;margin-bottom:24px;border-bottom:1px solid var(--line);
  }
  .account-tab{
    flex:1;background:transparent;border:none;cursor:pointer;
    padding:14px 16px;font-family:'Inter',sans-serif;font-size:11px;
    letter-spacing:1.8px;text-transform:uppercase;font-weight:600;
    color:var(--muted);transition:all .2s ease;position:relative;
  }
  .account-tab.active{color:var(--navy-900)}
  .account-tab.active::after{
    content:"";position:absolute;bottom:-1px;left:0;right:0;height:2px;background:var(--gold);
  }
  .account-tab:hover:not(.active){color:var(--navy-700)}

  .account-intro{
    color:var(--muted);font-size:13.5px;line-height:1.6;margin-bottom:20px;
  }
  .account-field{margin-bottom:16px}
  .account-field label{
    display:block;font-size:11px;letter-spacing:1.5px;text-transform:uppercase;
    color:var(--navy-900);font-weight:700;margin-bottom:7px;
  }
  .account-field input{
    width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:3px;
    background:#fff;font-family:'Inter',sans-serif;font-size:14px;color:var(--ink);
    outline:none;transition:all .2s ease;box-sizing:border-box;
  }
  .account-field input:focus{
    border-color:var(--gold);background:#fffdf6;
    box-shadow:0 0 0 3px rgba(201,169,106,.15);
  }
  .account-checkbox{
    display:flex;gap:10px;align-items:flex-start;margin-bottom:18px;
    padding:12px 14px;background:var(--paper);border-radius:3px;
    border:1px solid var(--line);
  }
  .account-checkbox input{margin-top:2px;flex-shrink:0;width:16px;height:16px;cursor:pointer}
  .account-checkbox label{
    font-size:12px;line-height:1.5;color:var(--ink);cursor:pointer;
  }
  .account-error{
    background:rgba(184,51,74,.08);border:1px solid rgba(184,51,74,.25);
    color:var(--danger);padding:10px 14px;border-radius:3px;
    font-size:12.5px;margin-bottom:14px;line-height:1.5;
  }
  .account-submit{
    width:100%;padding:14px 20px;font-size:13px;letter-spacing:1.5px;
  }
  .account-divider{
    display:flex;align-items:center;gap:14px;margin:24px 0 18px;
    color:var(--muted);font-size:10px;letter-spacing:2px;text-transform:uppercase;
    font-weight:600;
  }
  .account-divider::before,.account-divider::after{
    content:"";flex:1;height:1px;background:var(--line);
  }
  .account-import-btn{
    width:100%;display:inline-flex;align-items:center;justify-content:center;gap:8px;
    padding:13px 16px;
  }
  .account-privacy-note{
    margin-top:20px;padding:14px 16px;background:var(--paper);border-radius:3px;
    font-size:12px;line-height:1.5;color:var(--muted);
    border-left:3px solid var(--gold);
  }
  .account-privacy-note strong{color:var(--navy-900);font-weight:700}

  /* Szenarien-Liste */
  .profile-scenarios{margin:18px 0 14px}
  .profile-scenarios .ps-head{
    display:flex;justify-content:space-between;align-items:baseline;
    margin-bottom:10px;
  }
  .profile-scenarios .ps-head strong{
    font-family:'Cormorant Garamond',serif;font-size:1.1em;color:var(--navy-900);
    letter-spacing:.02em;
  }
  .btn-text{
    background:none;border:none;color:var(--navy-700);
    font-size:.9em;cursor:pointer;padding:4px 8px;
    text-decoration:underline;
  }
  .btn-text:hover{color:var(--navy-900)}
  .scenario-list{
    display:flex;flex-direction:column;gap:6px;
    max-height:280px;overflow-y:auto;
  }
  .scenario-item{
    display:flex;align-items:center;gap:10px;
    padding:10px 12px;border:1px solid var(--line);border-radius:8px;
    background:#fff;transition:border-color .15s, background .15s;
  }
  .scenario-item.active{
    border-color:var(--gold);background:rgba(214,170,80,.05);
  }
  .scenario-item .si-main{flex:1;min-width:0;cursor:pointer}
  .scenario-item .si-name{
    font-weight:600;color:var(--navy-900);font-size:.95em;
    white-space:nowrap;overflow:hidden;text-overflow:ellipsis;
  }
  .scenario-item .si-meta{
    color:var(--muted);font-size:.8em;margin-top:2px;
  }
  .scenario-item .si-badge{
    display:inline-block;font-size:.7em;background:var(--gold);color:#fff;
    padding:2px 6px;border-radius:4px;margin-left:6px;font-weight:600;
    letter-spacing:.05em;text-transform:uppercase;
  }
  .scenario-item .si-actions{display:flex;gap:4px;flex-shrink:0}
  .scenario-item .si-btn{
    background:none;border:none;cursor:pointer;
    color:var(--muted);padding:4px;border-radius:4px;
    display:grid;place-items:center;
  }
  .scenario-item .si-btn:hover{color:var(--navy-900);background:rgba(0,0,0,.05)}
  .scenario-item .si-btn.danger:hover{color:#b91c1c;background:rgba(185,28,28,.08)}
  .scenario-empty{
    text-align:center;padding:18px;color:var(--muted);font-size:.9em;
    border:1px dashed var(--line);border-radius:8px;
  }
  /* Hinweis bei fehlender Supabase-Konfiguration */
  .backend-warn{
    background:#fff7e6;border:1px solid #f5c065;color:#7a4a00;
    padding:12px 14px;border-radius:8px;font-size:.88em;line-height:1.5;
    margin-bottom:16px;
  }
  .backend-warn code{
    background:rgba(0,0,0,.08);padding:1px 6px;border-radius:3px;
    font-family:ui-monospace,Consolas,monospace;font-size:.92em;
  }

  /* Profil-View */
  .profile-header{
    display:flex;align-items:center;gap:16px;
    padding-bottom:22px;border-bottom:1px solid var(--line);margin-bottom:22px;
  }
  .profile-avatar{
    width:60px;height:60px;border-radius:50%;
    background:linear-gradient(135deg,var(--navy-700),var(--navy-950));
    color:var(--gold);display:grid;place-items:center;flex-shrink:0;
    box-shadow:0 4px 14px rgba(7,26,61,.2), inset 0 1px 0 rgba(255,255,255,.08);
  }
  .profile-info{flex:1;min-width:0;overflow:hidden}
  .profile-name{
    font-family:var(--font-heading);font-size:19px;color:var(--navy-900);
    font-weight:600;line-height:1.2;margin-bottom:4px;
    word-wrap:break-word;overflow-wrap:break-word;
  }
  .profile-email{
    font-size:12.5px;color:var(--muted);
    word-wrap:break-word;overflow-wrap:break-word;
  }
  .profile-status{
    display:flex;align-items:center;gap:12px;
    background:rgba(31,122,85,.06);border:1px solid rgba(31,122,85,.2);
    padding:12px 16px;border-radius:3px;margin-bottom:18px;
  }
  .ps-icon{
    width:28px;height:28px;border-radius:50%;background:var(--success);color:#fff;
    display:grid;place-items:center;font-size:14px;font-weight:700;flex-shrink:0;
  }
  .ps-text{flex:1;min-width:0;font-size:13px;color:var(--ink)}
  .ps-text strong{display:block;color:var(--navy-900);font-weight:700;margin-bottom:2px}
  .ps-text span{font-size:11.5px;color:var(--muted)}

  .profile-summary{
    background:var(--paper);border:1px solid var(--line);border-radius:3px;
    padding:16px 18px;margin-bottom:18px;font-size:13px;line-height:1.7;
  }
  .profile-summary:empty{display:none}
  .profile-summary .ps-row{
    display:flex;justify-content:space-between;align-items:center;
    padding:6px 0;border-bottom:1px solid rgba(0,0,0,.04);
  }
  .profile-summary .ps-row:last-child{border-bottom:none}
  .profile-summary .ps-lbl{font-size:11px;letter-spacing:1.2px;text-transform:uppercase;color:var(--muted);font-weight:600}
  .profile-summary .ps-val{font-family:var(--font-heading);font-weight:700;color:var(--navy-900)}

  .profile-actions{
    display:grid;grid-template-columns:1fr;gap:10px;margin-bottom:18px;
  }
  .profile-actions button{
    display:inline-flex;align-items:center;justify-content:center;gap:6px;
    padding:11px 16px;font-size:11.5px;
  }
  .profile-danger{
    display:flex;justify-content:space-between;align-items:center;gap:16px;
    padding-top:18px;border-top:1px solid var(--line);
  }
  .btn-logout{
    display:inline-flex;align-items:center;gap:8px;
    background:#fff;border:1px solid var(--navy-800);border-radius:3px;
    color:var(--navy-900);font-family:'Inter',sans-serif;font-size:11px;
    font-weight:600;letter-spacing:1.8px;text-transform:uppercase;
    padding:10px 22px;cursor:pointer;transition:all .2s ease;
  }
  .btn-logout svg{transition:transform .2s ease}
  .btn-logout:hover{
    background:var(--navy-900);color:#fff;border-color:var(--navy-900);
  }
  .btn-logout:hover svg{transform:translateX(2px)}
  .btn-text-muted{
    background:none;border:none;color:var(--muted);
    font-family:'Inter',sans-serif;font-size:11px;cursor:pointer;
    padding:6px 0;letter-spacing:.3px;transition:color .2s ease;
  }
  .btn-text-muted:hover{color:var(--danger);text-decoration:underline}

  /* "Daten gespeichert"-Toast unten rechts */
  .save-toast{
    position:fixed;bottom:24px;right:24px;z-index:10000;
    background:var(--navy-900);color:#fff;
    padding:12px 20px;border-radius:3px;
    display:flex;align-items:center;gap:10px;
    box-shadow:0 8px 24px rgba(0,0,0,.2);
    font-size:13px;font-weight:500;letter-spacing:.3px;
    opacity:0;transform:translateY(20px);pointer-events:none;
    transition:opacity .3s ease, transform .3s ease;
    border-left:3px solid var(--gold);
  }
  .save-toast.show{opacity:1;transform:translateY(0)}
  .save-toast .toast-icon{
    width:20px;height:20px;border-radius:50%;background:var(--success);color:#fff;
    display:grid;place-items:center;font-size:11px;font-weight:700;flex-shrink:0;
  }

  /* Welcome-Back-Banner */
  .welcome-back-banner{
    position:fixed;top:80px;left:50%;transform:translateX(-50%) translateY(-20px);
    z-index:90;max-width:640px;width:calc(100% - 40px);
    background:linear-gradient(135deg,#fff,#fffbf0);
    border:1px solid var(--gold-soft);border-radius:4px;
    box-shadow:0 12px 40px rgba(7,26,61,.15);
    padding:18px 50px 18px 20px;
    display:flex;align-items:center;gap:16px;
    opacity:0;transition:all .35s cubic-bezier(.4,0,.2,1);
  }
  .welcome-back-banner.show{
    opacity:1;transform:translateX(-50%) translateY(0);
  }
  .welcome-back-banner::before{
    content:"";position:absolute;left:0;top:0;bottom:0;width:3px;
    background:linear-gradient(180deg,var(--gold),#a88748);
  }
  .wbb-icon{
    font-size:28px;flex-shrink:0;line-height:1;
  }
  .wbb-text{flex:1;min-width:0;display:flex;flex-direction:column;gap:2px}
  .wbb-text strong{
    font-family:var(--font-heading);color:var(--navy-900);font-size:16px;font-weight:600;
  }
  .wbb-text span{
    font-size:12.5px;color:var(--muted);line-height:1.4;
  }
  .wbb-actions{
    display:flex;gap:8px;flex-shrink:0;
  }
  .wbb-actions button{padding:9px 16px;font-size:11.5px}
  .wbb-close{
    position:absolute;top:8px;right:10px;background:none;border:none;
    width:28px;height:28px;border-radius:50%;cursor:pointer;
    color:var(--muted);font-size:18px;line-height:1;
    display:grid;place-items:center;transition:all .2s ease;
  }
  .wbb-close:hover{background:var(--paper);color:var(--navy-900)}

  @media (max-width:640px){
    .account-btn-label{display:none}
    .account-btn{padding:8px;margin-left:14px}
    .profile-actions{grid-template-columns:1fr}
    .welcome-back-banner{
      flex-direction:column;align-items:stretch;text-align:left;
      padding:18px 18px 16px;
    }
    .wbb-actions{flex-direction:column;width:100%}
    .wbb-actions button{width:100%}
  }

  .hero{
    background:
      radial-gradient(1200px 500px at 80% -10%, rgba(47,111,219,.25),transparent 60%),
      radial-gradient(900px 400px at 0% 20%, rgba(201,169,106,.10),transparent 60%),
      linear-gradient(180deg,var(--navy-950),var(--navy-800));
    color:#fff;padding:90px 48px 120px;position:relative;overflow:hidden;
  }
  .hero::before{
    content:"";position:absolute;inset:0;
    background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
    background-size:60px 60px;
    mask-image:radial-gradient(ellipse at center,#000 30%,transparent 80%);
    pointer-events:none;
  }
  .hero-inner{
    max-width:1200px;margin:0 auto;position:relative;z-index:1;
    display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center;
  }
  .hero h1{
    font-family:var(--font-heading);font-size:66px;line-height:1.05;
    font-weight:600;letter-spacing:-.7px;margin-bottom:24px;
  }
  .hero h1 em{color:var(--gold-soft);font-style:italic;font-weight:500}
  .hero p.lede{font-size:18px;color:#c8d2e8;max-width:540px;margin-bottom:38px;line-height:1.6}
  .hero .meta{
    display:flex;gap:36px;color:#9fb0d1;font-size:12px;letter-spacing:1.5px;
    text-transform:uppercase;margin-bottom:38px;font-weight:600;
  }
  .hero .meta div{display:flex;flex-direction:column;gap:6px}
  .hero .meta strong{
    font-family:var(--font-heading);font-size:30px;color:#fff;
    text-transform:none;letter-spacing:-.3px;font-weight:700;
  }
  .cta{
    display:inline-flex;align-items:center;gap:12px;
    background:var(--gold);color:var(--navy-900);padding:18px 34px;
    border:none;border-radius:2px;
    font-family:'Inter',sans-serif;font-weight:700;font-size:13px;
    letter-spacing:2px;text-transform:uppercase;cursor:pointer;
    transition:transform .2s ease,box-shadow .2s ease;
    box-shadow:0 10px 30px rgba(201,169,106,.3);
  }
  .cta:hover{transform:translateY(-2px);box-shadow:0 16px 44px rgba(201,169,106,.5)}
  .cta .arrow{transition:transform .2s ease}
  .cta:hover .arrow{transform:translateX(4px)}
  .hero-card{
    background:rgba(255,255,255,.045);backdrop-filter:blur(10px);
    border:1px solid rgba(255,255,255,.1);border-radius:4px;padding:38px;position:relative;
  }
  .hero-card::before{
    content:"";position:absolute;top:-1px;left:-1px;right:-1px;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
  }
  .hero-card h3{
    font-family:var(--font-heading);font-size:22px;font-weight:500;
    margin-bottom:22px;color:#fff;letter-spacing:-.2px;
  }
  .hero-card ul{list-style:none}
  .hero-card li{
    padding:15px 0;border-bottom:1px solid rgba(255,255,255,.08);
    display:flex;align-items:center;gap:14px;color:#dbe3f5;font-size:14px;
    transition:color .2s ease;
  }
  .hero-card li:last-child{border-bottom:none}
  .hero-card li:hover{color:#fff}
  .hero-card li .dot{
    width:6px;height:6px;background:var(--gold);border-radius:50%;flex-shrink:0;
    box-shadow:0 0 0 3px rgba(201,169,106,.15);
  }
  .ornament{
    font-family:var(--font-heading);color:var(--gold);
    font-size:11px;letter-spacing:5px;text-transform:uppercase;
    margin-bottom:22px;font-weight:600;display:inline-flex;align-items:center;gap:10px;
  }

  section.panel{max-width:1200px;margin:0 auto;padding:80px 48px}
  .section-head{text-align:center;margin-bottom:60px}
  .section-head .ornament{justify-content:center}
  .section-head h2{
    font-family:var(--font-heading);font-size:46px;font-weight:600;
    color:var(--navy-900);margin-bottom:18px;letter-spacing:-.5px;line-height:1.15;
  }
  .section-head p{color:var(--muted);max-width:620px;margin:0 auto;font-size:16px;line-height:1.6}

  .questionnaire{
    background:#fff;border:1px solid var(--line);
    box-shadow:0 30px 80px -30px rgba(7,26,61,.25);
    border-radius:6px;overflow:hidden;
  }
  .progress-bar{
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    color:#fff;padding:26px 40px;display:flex;align-items:center;justify-content:space-between;gap:30px;
    position:relative;
  }
  .progress-bar::before{
    content:"";position:absolute;top:0;left:0;right:0;height:1px;
    background:linear-gradient(90deg,transparent,rgba(201,169,106,.3),transparent);
  }
  .progress-bar .step-info{
    font-family:var(--font-heading);font-size:14px;letter-spacing:2px;text-transform:uppercase;
    color:var(--gold-soft);white-space:nowrap;font-weight:600;
  }
  .progress-bar .step-info strong{color:#fff;font-size:18px;font-weight:700;margin:0 2px}
  .progress-track{flex:1;height:3px;background:rgba(255,255,255,.12);position:relative;overflow:hidden;border-radius:2px}
  .progress-fill{
    position:absolute;top:0;left:0;height:100%;
    background:linear-gradient(90deg,var(--gold-soft),var(--gold));
    transition:width .5s ease;border-radius:2px;
    box-shadow:0 0 8px rgba(201,169,106,.5);
  }

  .q-body{padding:60px 60px 50px;min-height:480px}
  .q-step{display:none;animation:fadeIn .4s ease}
  .q-step.active{display:block}
  @keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

  .q-label{
    font-family:var(--font-heading);font-size:32px;line-height:1.25;
    color:var(--navy-900);margin-bottom:14px;font-weight:500;letter-spacing:-.4px;
  }
  .q-hint{color:var(--muted);font-size:14px;margin-bottom:36px;max-width:620px;line-height:1.6}

  .q-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
  .q-option{
    border:1px solid var(--line);background:#fff;padding:20px 22px;cursor:pointer;
    border-radius:3px;transition:all .2s ease;font-family:'Inter',sans-serif;
    text-align:left;font-size:14.5px;color:var(--ink);
    display:flex;align-items:center;gap:14px;font-weight:500;
  }
  .q-option:hover{border-color:var(--navy-700);background:#fafbff;transform:translateY(-1px);box-shadow:0 3px 12px rgba(7,26,61,.05)}
  .q-option.selected{
    border-color:var(--navy-800);background:var(--navy-950);color:#fff;
    box-shadow:0 8px 24px rgba(7,26,61,.3);transform:translateY(-1px);
  }
  .q-option.selected .opt-circle{background:var(--gold);border-color:var(--gold)}
  .q-option.selected .opt-circle::after{content:"";width:7px;height:7px;background:var(--navy-900);border-radius:50%}
  .opt-circle{width:18px;height:18px;border:1.5px solid var(--line);border-radius:50%;display:grid;place-items:center;flex-shrink:0;transition:all .2s ease}

  .q-input{
    width:100%;padding:18px 22px;border:1px solid var(--line);
    background:var(--paper);font-family:var(--font-heading);
    font-size:28px;color:var(--navy-900);border-radius:3px;
    transition:all .2s ease;font-weight:600;letter-spacing:-.3px;
  }
  .q-input:focus{outline:none;border-color:var(--gold);background:#fff;box-shadow:0 4px 16px rgba(201,169,106,.15)}
  .input-suffix{position:relative;display:flex;align-items:center}
  .input-suffix::after{content:attr(data-suffix);position:absolute;right:20px;color:var(--muted);font-family:'Inter',sans-serif;font-size:14px;letter-spacing:1px;text-transform:uppercase}
  .input-suffix .q-input{padding-right:80px}

  .slider-wrap{margin-top:24px}
  .slider-value{
    font-family:var(--font-heading);font-size:52px;color:var(--navy-800);
    margin-bottom:16px;font-weight:700;letter-spacing:-1px;line-height:1;
  }
  .slider-value span.unit{
    font-size:18px;color:var(--muted);font-family:'Inter',sans-serif;
    font-weight:500;margin-left:8px;letter-spacing:1px;
  }
  input[type=range]{
    width:100%;height:4px;-webkit-appearance:none;
    background:var(--line);border-radius:2px;outline:none;
  }
  input[type=range]::-webkit-slider-thumb{
    -webkit-appearance:none;width:22px;height:22px;background:var(--gold);
    border-radius:50%;cursor:pointer;border:3px solid #fff;
    box-shadow:0 2px 10px rgba(201,169,106,.5), 0 0 0 1px rgba(201,169,106,.2);
    transition:transform .15s ease;
  }
  input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.1)}
  input[type=range]::-webkit-slider-thumb:active{transform:scale(1.15)}
  input[type=range]::-moz-range-thumb{
    width:22px;height:22px;background:var(--gold);border-radius:50%;
    cursor:pointer;border:3px solid #fff;
    box-shadow:0 2px 10px rgba(201,169,106,.5);
  }

  .q-multi{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px}
  .q-multi .q-option .opt-circle{border-radius:3px}
  .q-multi .q-option.selected .opt-circle::after{border-radius:0;width:6px;height:10px;background:transparent;border:solid var(--navy-900);border-width:0 2px 2px 0;transform:rotate(45deg) translate(-1px,-2px)}

  /* ===== KOMBINIERTE EINGABEN (mehrere Inputs auf einem Schritt) ===== */
  .q-combo{
    display:grid;grid-template-columns:1fr 1fr;gap:36px;margin-top:6px;
  }
  .q-combo-block{
    display:flex;flex-direction:column;
  }
  .q-sublabel{
    font-size:11px;letter-spacing:2px;text-transform:uppercase;
    color:var(--navy-800);margin-bottom:14px;font-weight:700;
    border-bottom:1px solid var(--line);padding-bottom:8px;
  }
  .q-grid.q-grid-compact{
    grid-template-columns:1fr 1fr;gap:10px;
  }
  .q-grid.q-grid-compact .q-option{
    padding:14px 16px;font-size:13px;gap:10px;
  }
  .q-grid.q-grid-compact .q-option .opt-circle{
    width:16px;height:16px;
  }
  .q-combo .slider-wrap{margin-top:6px}
  .q-combo .slider-value{font-size:38px;margin-bottom:12px}
  .q-combo .slider-value span.unit{font-size:14px}
  .q-combo .q-input{font-size:22px;padding:14px 18px}
  .q-combo .input-suffix::after{font-size:12px;right:16px}
  .q-combo .input-suffix .q-input{padding-right:70px}

  /* ===== MODUS-AUSWAHL: Kurz vs. Ausführlich ===== */
  .mode-picker{
    display:grid;grid-template-columns:1fr 1fr;gap:28px;
    max-width:1080px;margin:0 auto 40px;
  }
  .mode-card{
    background:#fff;border:1px solid var(--line);border-radius:6px;
    padding:38px 36px 32px;
    box-shadow:0 20px 60px -30px rgba(7,26,61,.2);
    display:flex;flex-direction:column;
    transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
    cursor:pointer;position:relative;overflow:hidden;
  }
  .mode-card:hover{
    transform:translateY(-4px);
    box-shadow:0 30px 70px -25px rgba(7,26,61,.32);
    border-color:var(--navy-700);
  }
  .mode-card-quick{
    background:linear-gradient(180deg,#fff,#f6f9ff);
    border-color:rgba(47,111,219,.25);
  }
  .mode-card-quick:hover{border-color:var(--blue-500)}
  .mode-card.mode-card-detailed{
    background:linear-gradient(180deg,var(--navy-950),var(--navy-900));
    color:#fff;border-color:rgba(201,169,106,.35);
  }
  .mode-card.mode-card-detailed:hover{border-color:var(--gold)}
  .mode-card.mode-card-detailed h3{color:#fff}
  .mode-card.mode-card-detailed p{color:rgba(255,255,255,.78)}
  .mode-card.mode-card-detailed .mode-features li{color:rgba(255,255,255,.85)}
  .mode-card.mode-card-detailed .mode-features li::before{color:var(--gold-soft)}
  .mode-card.mode-card-detailed .mode-time{color:rgba(255,255,255,.6)}

  .mode-badge{
    display:inline-block;align-self:flex-start;
    font-size:11px;letter-spacing:1.8px;text-transform:uppercase;font-weight:700;
    padding:6px 12px;border-radius:3px;
    background:rgba(47,111,219,.12);color:var(--navy-700);
    margin-bottom:14px;
  }
  .mode-badge-gold{
    background:rgba(201,169,106,.22);color:var(--gold-soft);
    border:1px solid rgba(201,169,106,.4);
  }
  .mode-time{
    font-family:var(--font-heading);font-style:italic;font-size:15px;
    color:var(--muted);margin-bottom:6px;letter-spacing:.3px;
  }
  .mode-card h3{
    font-family:var(--font-heading);font-size:30px;font-weight:600;
    color:var(--navy-900);margin-bottom:14px;letter-spacing:-.4px;line-height:1.15;
  }
  .mode-card p{
    color:var(--muted);font-size:14.5px;line-height:1.55;margin-bottom:20px;
  }
  .mode-features{
    list-style:none;padding:0;margin:0 0 26px;
  }
  .mode-features li{
    position:relative;padding:8px 0 8px 24px;
    font-size:13.5px;color:var(--ink);line-height:1.45;
    border-bottom:1px solid rgba(0,0,0,.05);
  }
  .mode-features li:last-child{border-bottom:none}
  .mode-features li::before{
    content:"✓";position:absolute;left:0;top:8px;
    color:var(--success);font-weight:700;font-size:14px;
  }
  .mode-card-detailed .mode-features li{border-bottom-color:rgba(255,255,255,.08)}
  .mode-cta{
    align-self:flex-start;margin-top:auto;
  }
  .mode-card .cta{padding:14px 22px;font-size:12.5px}
  .cta-secondary-strong{
    background:transparent !important;
    color:#fff !important;
    border:1.5px solid var(--gold) !important;
    box-shadow:none !important;
  }
  .cta-secondary-strong:hover{
    background:var(--gold) !important;color:var(--navy-900) !important;
  }

  /* ===== MODUS-INDIKATOR INNERHALB DES QUIZ-CARD ===== */
  .q-mode-indicator{
    display:flex;justify-content:space-between;align-items:center;
    padding:12px 40px;background:var(--paper);
    border-bottom:1px solid var(--line);
    font-size:11.5px;
  }
  .qmi-label{
    font-family:var(--font-heading);font-style:italic;
    color:var(--navy-700);letter-spacing:.5px;font-size:13px;
  }
  .qmi-switch{
    background:transparent;border:1px solid var(--line);
    color:var(--muted);padding:6px 12px;border-radius:3px;
    font-family:'Inter',sans-serif;font-size:10.5px;
    letter-spacing:1.4px;text-transform:uppercase;font-weight:600;
    cursor:pointer;transition:all .2s ease;
  }
  .qmi-switch:hover{
    border-color:var(--gold);color:var(--navy-900);background:#fff;
  }

  .q-nav{
    padding:32px 60px;border-top:1px solid var(--line);
    background:linear-gradient(180deg,#fff,var(--paper));
    display:flex;justify-content:space-between;align-items:center;
  }
  .btn-secondary{
    background:transparent;border:none;color:var(--muted);
    font-family:'Inter',sans-serif;font-size:12px;letter-spacing:2px;
    text-transform:uppercase;cursor:pointer;padding:14px 18px;font-weight:600;
    transition:color .2s ease;
  }
  .btn-secondary:hover{color:var(--navy-900)}
  .btn-secondary:disabled{opacity:.3;cursor:not-allowed}
  .btn-primary{
    background:var(--navy-900);color:#fff;border:none;
    padding:16px 36px;font-family:'Inter',sans-serif;font-weight:600;
    font-size:12px;letter-spacing:2.2px;text-transform:uppercase;cursor:pointer;
    transition:all .2s ease;border-radius:2px;
    display:inline-flex;align-items:center;gap:10px;
    box-shadow:0 2px 8px rgba(7,26,61,.15);
  }
  .btn-primary:hover{
    background:var(--navy-800);transform:translateY(-1px);
    box-shadow:0 6px 16px rgba(7,26,61,.25);
  }
  .btn-primary:disabled{opacity:.4;cursor:not-allowed;transform:none}

  .results{display:none}
  .results.active{display:block}

  /* GAP HERO */
  .gap-hero{
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));color:#fff;
    padding:60px;border-radius:4px;margin-bottom:50px;
    display:grid;grid-template-columns:1fr 1.2fr;gap:54px;align-items:center;
    position:relative;overflow:hidden;
  }
  .gap-hero::before{
    content:"";position:absolute;top:-50%;right:-10%;width:500px;height:500px;
    background:radial-gradient(circle,rgba(201,169,106,.15),transparent 70%);
    pointer-events:none;
  }
  .gap-hero::after{
    content:"";position:absolute;top:0;left:0;right:0;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
  }
  .gap-summary{position:relative;z-index:1}
  .gap-summary .ornament{margin-bottom:16px;color:var(--gold)}
  .gap-summary h2{
    font-family:var(--font-heading);font-size:40px;line-height:1.15;
    font-weight:500;margin-bottom:20px;letter-spacing:-.5px;
  }
  .gap-summary p{color:#c8d2e8;margin-bottom:30px;font-size:15px;line-height:1.65;max-width:480px}
  .gap-stats{display:grid;grid-template-columns:1fr 1fr;gap:20px}
  .gap-stat{
    padding:22px 24px;background:rgba(255,255,255,.05);
    border-left:3px solid var(--gold);border-radius:2px;
    transition:all .2s ease;
  }
  .gap-stat .lbl{
    font-size:10.5px;letter-spacing:2px;text-transform:uppercase;
    color:#9fb0d1;margin-bottom:8px;font-weight:600;
    display:flex;align-items:center;gap:8px;
  }
  .pension-info-btn{
    background:rgba(201,169,106,.15);border:1px solid rgba(201,169,106,.3);
    color:var(--gold-soft);
    width:22px;height:22px;border-radius:50%;cursor:pointer;
    display:inline-flex;align-items:center;justify-content:center;
    transition:all .2s ease;padding:0;
  }
  .pension-info-btn:hover{
    background:var(--gold);border-color:var(--gold);color:var(--navy-900);
    transform:scale(1.1);
  }
  .pension-info-btn svg{display:block}

  /* Pension-Detail-Modal Content */
  .pdm-section{
    margin-bottom:28px;padding-bottom:24px;
    border-bottom:1px solid var(--line);
  }
  .pdm-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
  .pdm-section-head{
    display:flex;align-items:center;gap:14px;margin-bottom:16px;
  }
  .pdm-section-num{
    width:32px;height:32px;border-radius:50%;flex-shrink:0;
    background:linear-gradient(135deg,var(--navy-800),var(--navy-950));
    color:var(--gold);
    display:grid;place-items:center;font-family:var(--font-heading);
    font-weight:700;font-size:14px;
    box-shadow:0 3px 10px rgba(7,26,61,.18);
  }
  .pdm-section-title{
    font-family:var(--font-heading);font-size:18px;font-weight:600;
    color:var(--navy-900);letter-spacing:-.2px;
  }
  .pdm-formula{
    background:var(--paper);border:1px solid var(--line);border-radius:3px;
    padding:14px 18px;margin:12px 0;font-family:'Inter',sans-serif;
    font-size:13.5px;line-height:1.8;
  }
  .pdm-formula .pdm-eq{
    display:flex;justify-content:space-between;align-items:center;
    padding:4px 0;
  }
  .pdm-formula .pdm-eq-lbl{color:var(--ink)}
  .pdm-formula .pdm-eq-val{
    font-family:var(--font-heading);font-weight:700;color:var(--navy-900);
    font-size:14.5px;
  }
  .pdm-formula .pdm-eq-divider{
    border-top:1.5px solid var(--navy-800);margin:8px 0;padding-top:6px;
  }
  .pdm-formula .pdm-eq-result{
    font-family:var(--font-heading);font-weight:700;font-size:16px;
    color:var(--gold);
  }
  .pdm-info{
    background:rgba(31,122,85,.06);border-left:3px solid var(--success);
    padding:12px 16px;border-radius:2px;
    font-size:12.5px;color:var(--ink);line-height:1.6;margin-top:12px;
  }
  .pdm-info strong{color:var(--navy-900);font-weight:700}
  .pdm-warn{
    background:rgba(184,134,11,.07);border-left:3px solid #b8860b;
    padding:12px 16px;border-radius:2px;
    font-size:12.5px;color:var(--ink);line-height:1.6;margin-top:12px;
  }
  .pdm-result-box{
    background:linear-gradient(135deg,#fffbf0,#fff);
    border:1.5px solid var(--gold);border-radius:4px;
    padding:22px 26px;margin-top:24px;text-align:center;
    position:relative;
  }
  .pdm-result-box::before{
    content:"";position:absolute;top:-1px;left:50%;transform:translateX(-50%);
    width:60px;height:3px;background:var(--gold);
  }
  .pdm-result-lbl{
    font-size:11px;letter-spacing:2px;text-transform:uppercase;
    color:var(--navy-900);font-weight:700;margin-bottom:8px;
  }
  .pdm-result-val{
    font-family:var(--font-heading);font-size:42px;font-weight:700;
    color:var(--navy-900);letter-spacing:-1px;line-height:1;margin-bottom:6px;
  }
  .pdm-result-sub{
    font-size:11.5px;color:var(--muted);font-style:italic;
  }
  /* Formel-Anzeige im Result-Box: A + B = */
  .pdm-result-formula{
    display:flex;align-items:center;justify-content:center;gap:10px;
    margin:14px 0 8px;flex-wrap:wrap;
  }
  .pdm-result-formula > span{
    font-family:var(--font-heading);font-size:18px;color:var(--navy-800);
    font-weight:600;
  }
  .pdm-result-formula .pdm-plus,
  .pdm-result-formula .pdm-eq-sign{
    color:var(--gold);font-size:20px;font-weight:700;
  }

  /* Subtotal-Box (Zwischensumme nach gesetzlicher Rente) */
  .pdm-subtotal-box{
    background:linear-gradient(135deg,var(--paper),#fff);
    border:1px solid var(--line);border-left:4px solid var(--gold-soft);
    border-radius:3px;padding:14px 18px;margin-top:22px;
    display:flex;justify-content:space-between;align-items:center;gap:14px;
  }
  .pdm-subtotal-lbl{
    font-size:11.5px;letter-spacing:1.2px;text-transform:uppercase;
    color:var(--navy-800);font-weight:600;line-height:1.3;
  }
  .pdm-subtotal-val{
    font-family:var(--font-heading);font-size:22px;font-weight:700;
    color:var(--navy-900);letter-spacing:-.4px;flex-shrink:0;
  }
  @media (max-width:640px){
    .pdm-subtotal-box{flex-direction:column;align-items:flex-start;text-align:left}
    .pdm-result-formula{font-size:14px;flex-direction:column;gap:4px}
  }
  .pdm-disclaimer{
    margin-top:24px;padding:14px 16px;background:var(--paper);border-radius:3px;
    font-size:11.5px;color:var(--muted);line-height:1.6;border-left:3px solid var(--line);
    font-style:italic;
  }
  .pdm-disclaimer strong{color:var(--navy-700);font-style:normal}

  .gap-stat .val{
    font-family:var(--font-heading);font-size:28px;font-weight:600;
    line-height:1.1;letter-spacing:-.3px;
  }
  .gap-stat .val.danger{color:#ff8fa3}
  .gap-stat .val.success{color:#7fd9b3}
  .gap-chart{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.1);border-radius:4px;padding:24px;position:relative;z-index:1}

  .assumptions{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:30px 38px;margin-bottom:50px;font-size:13px;color:var(--ink);
    position:relative;
  }
  .assumptions::before{
    content:"";position:absolute;top:-1px;left:38px;width:32px;height:2px;
    background:var(--gold);
  }
  .assumptions strong{
    color:var(--navy-900);display:block;margin-bottom:20px;
    font-family:'Inter',sans-serif;font-size:11px;letter-spacing:2.5px;text-transform:uppercase;
    font-weight:700;padding-bottom:16px;border-bottom:1px solid var(--line);
    display:flex;align-items:center;gap:10px;
  }
  .assumptions strong::before{
    content:"";width:24px;height:1px;background:var(--gold);
  }
  .assumptions ul{
    list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));
    gap:12px 36px;margin-top:0;
  }
  .assumptions li{
    padding:4px 0 4px 18px;position:relative;color:var(--ink);line-height:1.55;font-size:13px;
  }
  .assumptions li::before{
    content:"";position:absolute;left:0;top:11px;
    width:5px;height:5px;border-radius:50%;background:var(--gold);
    box-shadow:0 0 0 2px rgba(201,169,106,.15);
  }

  /* PRODUCT SECTION */
  .products-section{margin-top:30px}
  .product-intro{text-align:center;margin-bottom:50px}
  .product-intro .ornament{justify-content:center}
  .product-intro h2{font-family:var(--font-heading);font-size:38px;color:var(--navy-900);margin-bottom:14px;font-weight:600}
  .product-intro p{color:var(--muted);max-width:600px;margin:0 auto}

  .product-pillars{display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-bottom:40px}
  .pillar{
    background:#fff;border:1px solid var(--line);border-radius:4px;padding:36px 38px;
    transition:box-shadow .25s ease;
  }
  .pillar:hover{box-shadow:0 4px 20px -8px rgba(7,26,61,.08)}
  .pillar-head{
    display:flex;align-items:center;gap:16px;margin-bottom:26px;
    padding-bottom:22px;border-bottom:1px solid var(--line);
  }
  .pillar-num{
    width:46px;height:46px;border-radius:50%;
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    color:var(--gold-soft);display:grid;place-items:center;
    font-family:var(--font-heading);font-weight:600;font-size:19px;
    box-shadow:0 4px 12px rgba(7,26,61,.15);
  }
  .pillar-title{
    font-family:var(--font-heading);font-size:24px;color:var(--navy-900);
    font-weight:600;letter-spacing:-.3px;line-height:1.2;
  }
  .pillar-sub{
    font-size:10.5px;letter-spacing:2px;text-transform:uppercase;
    color:var(--muted);margin-top:4px;font-weight:600;
  }

  /* ============= PRODUKT-REIHE ============= */
  .product-row{
    display:flex;flex-direction:column;gap:14px;
    padding:22px 0 22px;border-bottom:1px solid var(--line);
    position:relative;
    transition:opacity .25s ease, background .2s ease;
  }
  .product-row:hover{background:rgba(201,169,106,.02)}
  .product-row:last-child{border-bottom:none}

  /* ZEILE 2: Header = Icon + Titel/Beschreibung links, Beitrag-Inline rechts */
  .product-row .p-row-header{
    display:grid;grid-template-columns:auto 1fr auto;gap:18px;
    align-items:flex-start;
  }
  .product-row .p-icon{
    width:48px;height:48px;border-radius:8px;flex-shrink:0;
  }
  .product-row .p-meta{
    min-width:0;display:flex;flex-direction:column;gap:6px;
  }
  .product-row .p-title{
    font-weight:600;color:var(--navy-900);font-size:16px;
    line-height:1.3;letter-spacing:-.1px;
    word-wrap:break-word;overflow-wrap:break-word;
  }
  .product-row .p-desc{
    font-size:13px;color:var(--muted);line-height:1.5;
    word-wrap:break-word;overflow-wrap:break-word;
  }

  /* Beitrag-Inline (rechts im Header) – sieht aus wie Text, ist aber editierbar */
  .p-contrib-inline{
    display:flex;align-items:baseline;gap:4px;
    padding:6px 4px;border-bottom:1px dashed transparent;
    transition:border-color .15s ease, background .15s ease;
    cursor:text;align-self:flex-start;
  }
  .p-contrib-inline:hover{border-bottom-color:var(--gold-soft)}
  .p-contrib-inline:focus-within{
    border-bottom-color:var(--gold);background:rgba(255,251,240,.6);
  }
  /* Pauschaltarif: statischer Beitrag (nicht anpassbar) */
  .p-contrib-inline.p-contrib-fixed{
    cursor:default;
  }
  .p-contrib-inline.p-contrib-fixed:hover{border-bottom-color:transparent}
  .p-contrib-static{
    font-family:var(--font-heading);
    font-size:24px;font-weight:600;color:var(--navy-900);
    letter-spacing:-.4px;line-height:1;
  }
  .p-contrib-pauschal-tag{
    display:inline-block;margin-left:6px;padding:2px 7px;
    background:var(--paper);border:1px solid var(--line);border-radius:2px;
    font-family:'Inter',sans-serif;font-size:9px;letter-spacing:1.4px;
    text-transform:uppercase;color:var(--muted);font-weight:600;
    vertical-align:1px;
  }
  .p-contrib-input{
    background:transparent;border:none;outline:none;padding:0;margin:0;
    font-family:var(--font-heading);
    font-size:24px;font-weight:600;color:var(--navy-900);
    text-align:right;width:90px;letter-spacing:-.4px;line-height:1;
    -moz-appearance:textfield;
  }
  .p-contrib-input::-webkit-inner-spin-button,
  .p-contrib-input::-webkit-outer-spin-button{appearance:none;margin:0}
  .p-contrib-input:focus{color:var(--gold)}
  .p-contrib-suffix{
    font-family:'Inter',sans-serif;font-size:12px;color:var(--muted);
    font-weight:500;letter-spacing:.3px;white-space:nowrap;
  }
  .p-contrib-edit-icon{
    display:inline-block;width:11px;height:11px;margin-left:2px;
    color:var(--muted);opacity:.45;transition:opacity .15s ease;
    vertical-align:-1px;
  }
  .p-contrib-inline:hover .p-contrib-edit-icon{opacity:1;color:var(--gold)}

  /* ZEILE 3: Result (Ergebnis unten rechts, grün) */
  .p-row-result{
    display:flex;flex-direction:column;align-items:flex-end;gap:2px;
    padding-top:4px;text-align:right;
  }
  .p-result-val{
    font-family:var(--font-heading);
    font-size:26px;font-weight:700;color:var(--success);
    line-height:1.05;letter-spacing:-.5px;
  }
  .p-result-val small{
    font-family:'Inter',sans-serif;font-size:12px;color:var(--success);
    font-weight:500;opacity:.75;margin-left:4px;letter-spacing:.3px;
  }
  .p-result-lbl{
    font-family:'Inter',sans-serif;font-size:10px;letter-spacing:1.8px;
    text-transform:uppercase;color:var(--success);opacity:.8;font-weight:600;
  }

  /* Warnhinweis-Block (z. B. Rürup: lebenslange Bindung, nicht vererbbar) */
  .product-row .p-warning{
    display:flex;align-items:flex-start;gap:10px;
    margin:10px 0 6px;padding:10px 14px;
    background:rgba(214, 154, 50, .06);border-left:3px solid #c98a3a;
    border-radius:0 3px 3px 0;font-size:12.5px;line-height:1.5;
    color:var(--navy-900);
  }
  .product-row .p-warning-ico{
    flex-shrink:0;width:18px;height:18px;border-radius:50%;
    background:#c98a3a;color:#fff;display:grid;place-items:center;
    font-family:var(--font-heading);font-size:13px;font-weight:700;
    line-height:1;margin-top:1px;
  }
  .product-row .p-warning-text strong{color:var(--navy-900);font-weight:700}
  .product-row.disabled .p-warning{opacity:.55}

  /* ZEILE 4: Controls (Toggle links + Custom-Remove rechts) */
  .product-row .p-row-controls{
    display:flex;align-items:center;gap:14px;flex-wrap:wrap;
    padding-top:6px;
  }
  .product-row .product-toggle{flex-shrink:0}
  .product-row .product-remove{margin-left:auto}

  /* Disabled-State (Toggle + Beitrag-Editor + Action-Buttons bleiben bedienbar) */
  .product-row.disabled{opacity:1}
  .product-row.disabled .p-icon{filter:grayscale(1) opacity(.5)}
  .product-row.disabled .p-title,
  .product-row.disabled .p-desc,
  .product-row.disabled .p-row-numbers,
  .product-row.disabled .p-row-result,
  .product-row.disabled .etf-chips,
  .product-row.disabled .p-badge,
  .product-row.disabled .custom-badge{
    opacity:.4;
  }
  .product-row.disabled .p-contrib-input{color:var(--muted)}
  .product-row.disabled .p-result-val,
  .product-row.disabled .p-result-lbl{color:var(--muted)}
  /* Toggle und Beitrag-Editor bleiben voll sichtbar - Nutzer muss sie bedienen können */
  .product-row.disabled .product-toggle{opacity:1}
  .product-row.disabled .contrib-edit{
    opacity:.55;
    background:#f5f6fa;border-color:var(--line);
    box-shadow:none;
  }
  .product-row.disabled .contrib-edit::before{
    background:var(--line);
  }
  .product-row.disabled .contrib-edit input,
  .product-row.disabled .contrib-edit label,
  .product-row.disabled .contrib-edit .unit{
    color:var(--muted);
  }
  /* Toggle bei inaktiven Karten: Pulsierender, weicher Goldakzent als visueller Hinweis */
  .product-row.disabled .toggle-switch{
    background:#c8d0e0;
    box-shadow:0 0 0 2px rgba(201,169,106,.18);
    animation:togglePulse 2.6s ease-in-out infinite;
  }
  @keyframes togglePulse{
    0%, 100%{box-shadow:0 0 0 2px rgba(201,169,106,.15)}
    50%{box-shadow:0 0 0 4px rgba(201,169,106,.35)}
  }
  .product-row.disabled .product-toggle span{
    color:var(--muted);font-weight:600;
  }
  .product-row .p-icon{
    background:linear-gradient(135deg,var(--navy-700),var(--navy-900));
    color:var(--gold-soft);display:grid;place-items:center;
    box-shadow:0 2px 6px rgba(7,26,61,.15), inset 0 1px 0 rgba(255,255,255,.06);
  }
  .product-row .p-icon svg{
    width:24px;height:24px;display:block;
  }
  .product-row .p-badge{
    display:inline-block;font-size:9px;letter-spacing:1.5px;text-transform:uppercase;
    background:var(--gold);color:var(--navy-900);padding:2px 8px;border-radius:2px;
    font-weight:700;margin-right:6px;vertical-align:1px;
  }
  /* ALTE Klassen für Rückwärtskompatibilität (falls noch irgendwo genutzt) */
  .product-row .p-rate{
    font-family:var(--font-heading);font-size:21px;color:var(--navy-900);
    font-weight:600;line-height:1;letter-spacing:-.3px;
  }
  .product-row .p-rate-lbl{
    font-size:9.5px;letter-spacing:1.8px;text-transform:uppercase;
    color:var(--muted);margin-top:5px;font-weight:600;
  }
  .product-row .p-out{
    font-size:12px;color:var(--success);margin-top:8px;font-weight:600;
  }

  /* CLOSING PLAN */
  /* CLOSING / WATERFALL */
  .closing{
    margin-top:60px;background:linear-gradient(180deg,#fff,var(--cream));
    border:1px solid var(--line);border-radius:4px;padding:54px 48px;
    position:relative;overflow:hidden;
  }
  .closing::before{
    content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);
    width:80px;height:3px;background:var(--gold);
  }
  .closing-head{text-align:center;margin-bottom:44px}
  .closing-head .ornament{justify-content:center}
  .closing-head h3{font-family:var(--font-heading);font-size:34px;color:var(--navy-900);margin-bottom:12px;font-weight:600;letter-spacing:-.4px}
  .closing-head p{color:var(--muted);max-width:580px;margin:0 auto;line-height:1.65}

  /* Waterfall: stacked horizontal bar */
  .waterfall{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:32px 34px;margin-bottom:30px;
  }
  .wf-title{
    font-family:'Inter',sans-serif;font-size:11px;letter-spacing:2.5px;text-transform:uppercase;
    color:var(--navy-900);margin-bottom:22px;font-weight:700;
    display:flex;align-items:center;gap:10px;justify-content:space-between;
  }
  .wf-title > span:first-child{
    display:inline-flex;align-items:center;gap:10px;
  }
  .wf-title > span:first-child::before{content:"";width:24px;height:1px;background:var(--gold)}
  .wf-title-need{
    color:var(--navy-900);font-weight:600;font-size:11px;letter-spacing:1.5px;
    background:var(--paper);padding:6px 12px;border-radius:3px;
    border:1px solid var(--line);
    display:inline-flex;align-items:center;gap:4px;text-transform:none;
  }
  .wf-title-need strong{
    font-family:var(--font-heading);font-size:14px;letter-spacing:.2px;font-weight:700;
    color:var(--navy-900);
  }
  .wf-bar{
    display:flex;align-items:flex-end;gap:14px;
    margin-bottom:12px;position:relative;padding-top:36px;
    min-height:90px;width:100%;box-sizing:border-box;
  }
  .wf-bar > *{box-sizing:border-box}
  .wf-core{
    display:flex;height:52px;border-radius:3px;overflow:hidden;
    background:var(--blue-100);
    box-shadow:inset 0 1px 2px rgba(0,0,0,.04);
    flex-grow:0;flex-shrink:1;min-width:0;
  }
  .wf-plus{
    display:flex;flex-direction:column;justify-content:flex-end;
    position:relative;flex-grow:0;flex-shrink:0;
    min-width:0;
    animation:plusReveal .6s ease;
  }
  @keyframes plusReveal{
    from{opacity:0;transform:translateX(-10px)}
    to{opacity:1;transform:translateX(0)}
  }
  .wf-plus-label{
    text-align:center;line-height:1;
    padding-bottom:8px;position:relative;
    white-space:nowrap;
    /* Label kann breiter sein als die Bar wenn nötig */
  }
  .wf-plus-amount{
    display:block;font-family:var(--font-heading);
    font-size:15px;font-weight:700;color:var(--success);
    letter-spacing:-.3px;
  }
  .wf-plus-sub{
    display:block;font-size:9px;letter-spacing:1.5px;text-transform:uppercase;
    color:var(--success);font-weight:700;margin-top:3px;
  }
  .wf-plus-bar{
    display:flex;height:52px;border-radius:3px;overflow:hidden;
    background:rgba(31,122,85,.06);
    border:1.5px dashed rgba(31,122,85,.45);
    position:relative;
  }
  .wf-seg{
    position:relative;display:grid;place-items:center;color:#fff;font-weight:600;font-size:12px;
    transition:flex .8s ease;border-right:1px solid rgba(255,255,255,.3);
    min-width:0;overflow:hidden;
  }
  .wf-seg:last-child{border-right:none}
  .wf-seg.plus{
    background-image:repeating-linear-gradient(45deg, rgba(255,255,255,.28), rgba(255,255,255,.28) 6px, transparent 6px, transparent 12px) !important;
    background-blend-mode:overlay;
    opacity:.92;
  }
  .wf-seg.gap-remain{
    background:repeating-linear-gradient(45deg,rgba(184,51,74,.18),rgba(184,51,74,.18) 10px,rgba(184,51,74,.06) 10px,rgba(184,51,74,.06) 20px);
    color:var(--danger);
  }
  .wf-scale{display:flex;justify-content:space-between;font-size:11px;color:var(--muted);margin-top:8px;letter-spacing:.5px}
  .wf-scale-need{
    color:var(--navy-900);font-weight:700;font-size:12px;
    display:inline-flex;align-items:center;gap:6px;
  }
  .wf-scale-need::before{
    content:"";display:inline-block;width:10px;height:10px;
    background:var(--navy-900);border-radius:50%;
  }
  .wf-target-line{
    position:absolute;top:-20px;bottom:-4px;right:-1px;width:2px;
    background:var(--navy-900);z-index:3;
    pointer-events:none;
  }
  .wf-target-line::before{
    content:"";position:absolute;left:50%;top:0;transform:translate(-50%,-50%);
    width:10px;height:10px;border-radius:50%;background:var(--navy-900);
    box-shadow:0 0 0 3px #fff, 0 0 0 4px var(--navy-900);
  }
  .wf-target-line::after{
    content:"Bedarf "attr(data-val);
    position:absolute;top:0;right:0;transform:translate(50%,-160%);
    font-size:11px;font-weight:700;color:#fff;white-space:nowrap;
    letter-spacing:1.5px;text-transform:uppercase;
    background:var(--navy-900);padding:5px 11px;border-radius:2px;
    box-shadow:0 4px 12px rgba(7,26,61,.25);
    margin-bottom:4px;
  }
  .wf-legend{display:flex;flex-wrap:wrap;gap:20px;margin-top:28px;font-size:12px;padding-top:20px;border-top:1px solid var(--line)}
  .wf-legend-item{display:flex;align-items:center;gap:8px;color:var(--ink)}
  .wf-legend-sw{width:14px;height:14px;border-radius:2px;flex-shrink:0;box-shadow:0 1px 2px rgba(0,0,0,.05)}

  .gauge-row{display:grid;grid-template-columns:1fr 1.3fr;gap:46px;align-items:center;margin-top:32px}
  .gauge-wrap{position:relative;display:grid;place-items:center}
  .gauge-center{position:absolute;text-align:center}
  .gauge-center .pct{
    font-family:var(--font-heading);font-size:62px;color:var(--navy-900);
    font-weight:700;line-height:1;letter-spacing:-1.5px;
  }
  .gauge-center .lbl{
    font-size:10.5px;letter-spacing:2.2px;text-transform:uppercase;
    color:var(--muted);margin-top:10px;font-weight:700;
  }
  .gauge-center .extra{font-size:13px;margin-top:10px;font-weight:600;color:var(--muted)}
  .gauge-center .extra.success{color:var(--success)}
  .gauge-center .extra.warn{color:var(--danger)}

  /* Floating Mini-Gauge: schwebt rechts oben, sobald der Haupt-Gauge außer
     Sichtweite ist. Live-Synchronisiert mit #coveragePct. */
  .floating-gauge{
    position:fixed;top:84px;right:22px;z-index:80;
    display:flex;align-items:center;gap:12px;
    padding:10px 16px 10px 12px;
    background:rgba(255,255,255,.96);
    border:1px solid var(--line);border-radius:60px;
    box-shadow:0 12px 32px -10px rgba(7,26,61,.28), 0 4px 12px rgba(7,26,61,.08);
    backdrop-filter:blur(8px);
    -webkit-backdrop-filter:blur(8px);
    cursor:pointer;
    font-family:var(--font-body);
    opacity:0;transform:translateY(-12px) scale(.94);
    pointer-events:none;
    transition:opacity .28s ease, transform .28s cubic-bezier(.4,0,.2,1),
               box-shadow .25s ease, border-color .25s ease;
  }
  .floating-gauge[hidden]{display:none}
  .floating-gauge.is-visible{
    opacity:1;transform:translateY(0) scale(1);
    pointer-events:auto;
  }
  .floating-gauge:hover{
    border-color:var(--gold-soft);
    box-shadow:0 16px 38px -10px rgba(201,169,106,.35), 0 6px 14px rgba(7,26,61,.12);
  }
  .floating-gauge .fg-ring{
    position:relative;width:56px;height:56px;border-radius:50%;flex-shrink:0;
    background:conic-gradient(var(--fg-color, #143b85) calc(var(--fg-pct, 0) * 1%), #dde9fb 0);
    display:grid;place-items:center;
    transition:background .35s ease;
  }
  .floating-gauge .fg-ring::after{
    content:"";position:absolute;inset:7px;background:#fff;border-radius:50%;
  }
  .floating-gauge .fg-pct{
    position:relative;z-index:1;
    font-family:var(--font-heading);font-size:16px;color:var(--navy-900);
    font-weight:700;letter-spacing:-.3px;line-height:1;
  }
  .floating-gauge .fg-label{
    font-size:9.5px;letter-spacing:1.8px;text-transform:uppercase;
    color:var(--muted);font-weight:700;line-height:1.25;text-align:left;
  }
  @media (max-width: 720px){
    .floating-gauge{
      top:auto;bottom:18px;right:14px;
      padding:8px 14px 8px 10px;
    }
    .floating-gauge .fg-ring{width:46px;height:46px}
    .floating-gauge .fg-ring::after{inset:6px}
    .floating-gauge .fg-pct{font-size:14px}
    .floating-gauge .fg-label{font-size:9px;letter-spacing:1.5px}
  }
  @media (prefers-reduced-motion: reduce){
    .floating-gauge{transition:opacity .15s ease}
  }

  .scenario-box{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:32px 34px;position:relative;
  }
  .scenario-box::before{
    content:"";position:absolute;top:0;left:32px;width:32px;height:2px;
    background:var(--gold);
  }
  .scenario-box h4{
    font-family:var(--font-heading);font-size:20px;color:var(--navy-900);
    margin-bottom:18px;font-weight:600;letter-spacing:-.2px;
  }
  .sc-row{
    display:grid;grid-template-columns:1fr auto;gap:14px;
    padding:14px 0;border-bottom:1px dashed var(--line);font-size:14px;align-items:center;
  }
  .sc-row:last-child{border-bottom:none}
  .sc-row > span:first-child{color:var(--ink);line-height:1.4}
  .sc-row .sc-val{
    font-family:var(--font-heading);font-weight:700;color:var(--navy-900);
    font-size:16px;letter-spacing:-.2px;
  }
  .sc-row .sc-val.danger{color:var(--danger)}
  .sc-row .sc-val.success{color:var(--success)}

  .total-bar{
    margin-top:26px;background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    color:#fff;padding:22px 30px;border-radius:3px;
    display:flex;justify-content:space-between;align-items:center;
    box-shadow:0 8px 24px -8px rgba(7,26,61,.4);
    position:relative;overflow:hidden;
  }
  .total-bar::before{
    content:"";position:absolute;top:0;left:0;right:0;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
  }
  .total-bar .lbl{
    font-size:10.5px;letter-spacing:2px;text-transform:uppercase;
    color:var(--gold-soft);font-weight:600;
  }
  .total-bar .val{
    font-family:var(--font-heading);font-size:28px;font-weight:700;
    letter-spacing:-.3px;
  }

  .budget-banner{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:26px 32px;margin-bottom:26px;display:grid;
    grid-template-columns:1fr auto 1fr auto 1fr;gap:24px;align-items:center;
    position:relative;
  }
  .budget-banner::before{
    content:"";position:absolute;top:-1px;left:32px;width:32px;height:2px;
    background:var(--gold);
  }
  .budget-banner.warn{border-color:#e6a86b;background:linear-gradient(180deg,#fffaf0,#fff)}
  .budget-banner.warn::before{background:#b8742b}
  .bb-col{display:flex;flex-direction:column;gap:6px}
  .bb-col.right{text-align:right}
  .bb-col .lbl{font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--muted);font-weight:700}
  .bb-col .val{font-family:var(--font-heading);font-size:24px;color:var(--navy-900);font-weight:700;line-height:1.1;letter-spacing:-.3px}
  .bb-col .val.success{color:var(--success)}
  .bb-col .val.warn{color:#b8742b}
  .bb-arrow{color:var(--gold);font-size:20px;opacity:.7;font-weight:300}
  .budget-bar-wrap{margin-top:18px;grid-column:1/-1}
  .budget-bar{height:8px;background:var(--blue-100);border-radius:4px;overflow:hidden;position:relative}
  .budget-bar-fill{height:100%;background:linear-gradient(90deg,var(--navy-700),var(--gold));transition:width .8s ease;border-radius:4px;box-shadow:0 1px 3px rgba(201,169,106,.3)}
  .budget-bar-fill.over{background:linear-gradient(90deg,var(--danger),#e6a86b)}
  .budget-note{font-size:13px;color:var(--muted);margin-top:14px;grid-column:1/-1;line-height:1.55}
  .budget-note strong{color:var(--navy-900);font-weight:600}

  .product-row.over-budget{opacity:.55;position:relative}
  .product-row.over-budget::after{
    content:"Über Budget";position:absolute;top:18px;right:0;
    background:#fff4e3;color:#b8742b;font-size:9px;letter-spacing:1.5px;text-transform:uppercase;
    padding:3px 8px;border-radius:2px;font-weight:700;border:1px solid #e6a86b;
  }

  /* ============= BAUKASTEN INTERAKTIV ============= */

  /* Bedarf editierbar — Presets und Slider immer sichtbar */
  .gap-stat.editable{
    position:relative;transition:all .2s ease;
    border-left:3px solid var(--gold);
  }
  .need-cue{
    display:inline-block;margin-left:8px;padding:2px 8px;border-radius:10px;
    background:var(--gold);color:var(--navy-900);
    font-size:9.5px;letter-spacing:1px;font-weight:700;
    text-transform:uppercase;vertical-align:middle;
  }
  .need-fine{margin-top:12px;padding-top:12px;border-top:1px dashed rgba(255,255,255,.12)}
  .need-fine input[type=range]{display:block;width:100%;margin:0}
  .need-fine-hint{
    margin-top:4px;text-align:center;
    font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;
    color:rgba(255,255,255,.45);font-weight:600;
  }
  .need-presets{
    display:grid;grid-template-columns:repeat(4,1fr);gap:6px;
    margin-top:14px;
  }
  .need-presets button{
    background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);
    color:#dbe3f5;padding:7px 14px;font-size:10px;letter-spacing:1.5px;text-transform:uppercase;
    font-family:'Inter',sans-serif;font-weight:700;cursor:pointer;border-radius:2px;
    transition:all .2s ease;
  }
  .need-presets button:hover{background:rgba(255,255,255,.12);color:#fff}
  .need-presets button.active{background:var(--gold);color:var(--navy-900);border-color:var(--gold);box-shadow:0 2px 8px rgba(201,169,106,.3)}

  /* Produkt-Controls mit Toggle */
  .product-controls{
    display:flex;align-items:center;gap:12px;margin-top:14px;
    padding-top:14px;border-top:1px dashed var(--line);
  }
  .product-toggle{
    display:flex;align-items:center;gap:10px;cursor:pointer;
    font-size:10.5px;letter-spacing:1.8px;text-transform:uppercase;font-weight:700;color:var(--muted);
    user-select:none;
  }
  .toggle-switch{
    width:36px;height:20px;background:var(--line);border-radius:10px;position:relative;
    transition:background .25s ease;flex-shrink:0;
  }
  .toggle-switch::after{
    content:"";position:absolute;top:2px;left:2px;width:16px;height:16px;
    background:#fff;border-radius:50%;transition:left .25s ease;
    box-shadow:0 1px 3px rgba(0,0,0,.2);
  }
  .product-row.active .toggle-switch{background:var(--success)}
  .product-row.active .toggle-switch::after{left:18px}
  .product-row.active .product-toggle{color:var(--success)}

  .product-row .p-row-numbers{transition:opacity .2s ease}

  /* Pillar-Sub-Hinweis */
  .pillar-priority{
    display:inline-block;font-size:9px;letter-spacing:1.8px;text-transform:uppercase;font-weight:700;
    padding:3px 8px;border-radius:2px;margin-left:10px;vertical-align:3px;
  }
  .pillar-priority.primary{background:var(--gold);color:var(--navy-900);box-shadow:0 1px 3px rgba(201,169,106,.3)}
  .pillar-priority.secondary{background:var(--blue-100);color:var(--navy-800)}

  /* Custom Add Button (in Säulen) */
  .pillar-add-btn{
    margin-top:20px;width:100%;
    display:inline-flex;align-items:center;justify-content:center;gap:12px;
    background:#fff;border:1.5px dashed var(--navy-700);color:var(--navy-800);
    padding:16px 22px;font-family:'Inter',sans-serif;font-weight:700;font-size:11px;
    letter-spacing:2px;text-transform:uppercase;cursor:pointer;border-radius:3px;
    transition:all .25s ease;
  }
  .pillar-add-btn:hover{
    background:var(--navy-950);color:#fff;border-color:var(--navy-950);
    border-style:solid;transform:translateY(-1px);
    box-shadow:0 8px 20px -6px rgba(7,26,61,.3);
  }
  .pillar-add-btn .add-icon{
    font-size:18px;line-height:1;width:24px;height:24px;
    border-radius:50%;background:var(--navy-950);color:var(--gold);
    display:grid;place-items:center;font-weight:300;
    transition:all .25s ease;
  }
  .pillar-add-btn:hover .add-icon{background:var(--gold);color:var(--navy-900);transform:rotate(90deg)}

  .empty-pillar{
    padding:28px 0;text-align:center;color:var(--muted);font-size:13px;
    font-style:italic;border-bottom:1px dashed var(--line);
  }

  /* Custom-Produkt Badge */
  .product-row.custom .p-icon{background:linear-gradient(135deg,var(--gold),#b8954a);color:var(--navy-900)}
  .custom-badge{
    display:inline-block;font-size:9px;letter-spacing:1.5px;text-transform:uppercase;
    background:var(--gold);color:var(--navy-900);padding:3px 8px;border-radius:2px;
    margin-right:8px;font-weight:700;vertical-align:1px;
  }
  .product-remove{
    background:transparent;border:none;color:var(--danger);font-size:16px;
    cursor:pointer;padding:6px 8px;line-height:1;opacity:.5;transition:opacity .2s ease;
    border-radius:50%;
  }
  .product-remove:hover{opacity:1;background:rgba(184,51,74,.08)}

  /* Modal */
  .modal-backdrop{
    display:none;position:fixed;inset:0;background:rgba(7,26,61,.75);
    z-index:100;align-items:center;justify-content:center;padding:20px;
    backdrop-filter:blur(4px);
  }
  .modal-backdrop.open{display:flex;animation:fadeIn .2s ease}
  .modal{
    background:#fff;border-radius:4px;max-width:540px;width:100%;
    border-top:3px solid var(--gold);box-shadow:0 30px 80px -10px rgba(0,0,0,.5);
    overflow:hidden;animation:modalIn .3s ease;
  }
  @keyframes modalIn{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
  .modal-head{
    padding:30px 36px 24px;border-bottom:1px solid var(--line);
    background:linear-gradient(180deg,var(--cream),#fff);position:relative;
  }
  .modal-head .ornament{margin-bottom:10px}
  .modal-head h3{
    font-family:var(--font-heading);font-size:26px;color:var(--navy-900);
    font-weight:600;letter-spacing:-.3px;line-height:1.25;
  }
  .modal-close{
    position:absolute;top:22px;right:26px;
    background:transparent;border:none;font-size:28px;color:var(--muted);
    cursor:pointer;line-height:1;font-weight:300;transition:color .2s ease;
    width:32px;height:32px;display:grid;place-items:center;border-radius:50%;
  }
  .modal-close:hover{color:var(--navy-900);background:var(--paper)}
  .modal-body{padding:30px 36px;max-height:65vh;overflow-y:auto}
  .modal-field{margin-bottom:20px}
  .modal-field:last-child{margin-bottom:0}
  .modal-field label{
    display:block;font-size:10.5px;letter-spacing:2px;text-transform:uppercase;
    color:var(--navy-800);font-weight:700;margin-bottom:10px;
  }
  .modal-field .opt-tag{
    background:var(--blue-100);color:var(--navy-700);padding:3px 8px;
    border-radius:2px;font-size:9px;margin-left:6px;letter-spacing:1.2px;font-weight:600;
  }
  .modal-field select,.modal-field input[type=text],.modal-field input[type=number]{
    width:100%;padding:13px 16px;border:1px solid var(--line);
    background:var(--paper);font-family:'Inter',sans-serif;font-size:14.5px;color:var(--ink);
    border-radius:3px;transition:border-color .2s ease;
  }
  .modal-field select:focus,.modal-field input:focus{outline:none;border-color:var(--navy-700);background:#fff}
  .modal-input-suffix{position:relative;display:flex;align-items:center}
  .modal-input-suffix input{padding-right:60px}
  .modal-input-suffix span{position:absolute;right:14px;color:var(--muted);font-size:13px;letter-spacing:1px;font-weight:600}
  .modal-hint{font-size:12px;color:var(--muted);margin-top:8px;font-style:italic;line-height:1.5}
  .modal-foot{
    padding:22px 36px;border-top:1px solid var(--line);background:var(--paper);
    display:flex;justify-content:space-between;align-items:center;gap:14px;
  }

  /* App-Dialog (Alert/Confirm/Prompt) */
  .app-dialog-message{
    font-family:'Inter',sans-serif;font-size:14.5px;line-height:1.65;
    color:var(--ink);margin:0;white-space:pre-line;
  }
  .app-dialog-input-wrap{margin-top:20px}
  .app-dialog-input-wrap label{
    display:block;font-family:'Inter',sans-serif;font-size:10.5px;
    letter-spacing:2px;text-transform:uppercase;color:var(--navy-800);
    font-weight:700;margin-bottom:10px;
  }
  .app-dialog-input-wrap input{
    width:100%;padding:13px 16px;border:1px solid var(--line);
    background:var(--paper);font-family:'Inter',sans-serif;font-size:14.5px;
    color:var(--ink);border-radius:3px;transition:border-color .2s ease;
  }
  .app-dialog-input-wrap input:focus{outline:none;border-color:var(--navy-700);background:#fff}
  #appDialogFoot{justify-content:flex-end;flex-wrap:wrap}
  #appDialogFoot.single{justify-content:center}
  .btn-danger{
    background:var(--danger);color:#fff;border:none;
    padding:14px 26px;border-radius:3px;font-family:'Inter',sans-serif;
    font-weight:600;font-size:12px;letter-spacing:2px;text-transform:uppercase;
    cursor:pointer;transition:all .2s ease;box-shadow:0 4px 12px rgba(184,51,74,.25);
  }
  .btn-danger:hover{background:#9c2a3e;box-shadow:0 6px 18px rgba(184,51,74,.35);transform:translateY(-1px)}
  .btn-danger:disabled{opacity:.5;cursor:not-allowed;transform:none}

  /* Inline-Save-CTA: zentrierter Save-Button zwischen Ergebnis-Sektionen */
  .inline-save{display:flex;justify-content:center;margin:34px 0 6px}
  .inline-save .cta-secondary{padding:14px 32px}

  /* Closing-Section anpassen */
  .interactive-hint{
    background:linear-gradient(90deg, rgba(201,169,106,.08), transparent);
    border-left:3px solid var(--gold);
    padding:14px 20px;margin-bottom:24px;font-size:13px;color:var(--ink);
  }
  .interactive-hint strong{color:var(--navy-900);font-weight:600}

  /* ============= ACTION-BUTTONS in Produktreihe (jetzt: eigene Zeile oben links) ============= */
  .p-actions{
    display:inline-flex;gap:6px;
    margin-bottom:4px;
  }
  .p-action-btn{
    background:#fff;border:1px solid var(--line);color:var(--navy-800);
    width:30px;height:30px;border-radius:50%;cursor:pointer;
    display:inline-grid;place-items:center;transition:all .2s ease;
    padding:0;box-shadow:0 1px 3px rgba(0,0,0,.04);
  }
  .p-action-btn:hover{
    background:var(--navy-900);border-color:var(--navy-900);color:#fff;
    transform:translateY(-1px);box-shadow:0 4px 10px rgba(7,26,61,.22);
  }
  .p-action-btn .ico{font-size:12px;font-weight:700;font-family:var(--font-heading);line-height:1}
  .p-action-btn.info-btn .ico{font-style:italic;font-size:13px}
  .p-action-btn.chart-btn .ico{font-size:13px;font-family:'Inter',sans-serif}
  .p-action-btn.compare-btn{
    background:linear-gradient(135deg,#fff8e8,#fff);border-color:var(--gold-soft);
    color:var(--navy-900);
  }
  .p-action-btn.compare-btn:hover{
    background:var(--gold);border-color:var(--gold);color:var(--navy-900);
    box-shadow:0 4px 12px rgba(201,169,106,.4);
  }
  .p-action-btn.compare-btn .ico{font-size:14px;font-family:'Inter',sans-serif;font-weight:600}

  /* ========= Affiliate Compare-Button (kräftiger, prominenter Look) ========= */
  .affiliate-compare-btn{
    grid-column:1 / -1;
    justify-self:end;
    max-width:400px;width:100%;
    display:flex;align-items:center;gap:14px;
    margin-top:6px;padding:16px 20px 16px 22px;
    background:linear-gradient(135deg,var(--navy-900) 0%,var(--navy-800) 100%);
    border:1.5px solid var(--gold);border-radius:3px;
    text-decoration:none;position:relative;
    transition:all .25s cubic-bezier(.4,0,.2,1);
    cursor:pointer;box-sizing:border-box;
    box-shadow:0 4px 14px rgba(7,26,61,.18);
  }
  .affiliate-compare-btn::before{
    content:"";position:absolute;left:0;top:0;bottom:0;width:5px;
    background:linear-gradient(180deg,var(--gold),#a88748);
    transition:width .25s ease;
  }
  .affiliate-compare-btn:hover{
    background:linear-gradient(135deg,var(--navy-950) 0%,var(--navy-900) 100%);
    border-color:var(--gold-soft);
    box-shadow:0 8px 26px -4px rgba(201,169,106,.4), 0 4px 14px rgba(7,26,61,.25);
    transform:translateY(-2px);
  }
  .affiliate-compare-btn:hover::before{width:7px}
  .affiliate-compare-btn .acb-text{
    flex:1;min-width:0;display:flex;flex-direction:column;gap:4px;
  }
  .affiliate-compare-btn .acb-main{
    font-family:'Inter',sans-serif;font-size:14px;font-weight:600;
    color:#fff;letter-spacing:.2px;line-height:1.3;
  }
  .affiliate-compare-btn .acb-main strong{
    color:var(--gold);font-weight:800;letter-spacing:.4px;
  }
  .affiliate-compare-btn .acb-sub{
    font-size:11.5px;color:var(--gold-soft);font-weight:500;line-height:1.4;
    opacity:.85;
  }
  .affiliate-compare-btn .acb-arrow{
    font-size:18px;color:var(--navy-900);font-weight:700;flex-shrink:0;
    transition:all .25s ease;line-height:1;
    width:36px;height:36px;border-radius:50%;
    background:var(--gold);
    display:grid;place-items:center;
    box-shadow:0 2px 8px rgba(201,169,106,.4);
  }
  .affiliate-compare-btn:hover .acb-arrow{
    transform:translateX(4px) scale(1.08);
    background:var(--gold-soft);
    box-shadow:0 4px 12px rgba(201,169,106,.6);
  }
  .affiliate-compare-btn .acb-tag{
    position:absolute;top:-1px;right:16px;
    font-size:8.5px;letter-spacing:1.4px;text-transform:uppercase;
    color:var(--navy-900);font-weight:700;
    background:var(--gold);padding:3px 9px 2px;
    border-radius:0 0 2px 2px;line-height:1.4;
    box-shadow:0 2px 6px rgba(201,169,106,.3);
  }

  /* ETF-Chips unter dem Produkttitel */
  .etf-chips{
    display:flex;flex-wrap:wrap;gap:6px;margin:10px 0 4px;align-items:center;
  }
  .etf-chip{
    display:inline-flex;align-items:center;gap:4px;
    font-size:10px;letter-spacing:.6px;font-weight:600;
    background:var(--blue-100);color:var(--navy-800);
    padding:4px 10px;border-radius:10px;
  }
  .etf-chip em{
    font-style:normal;font-weight:700;color:var(--gold);
    border-left:1px solid rgba(7,26,61,.15);padding-left:6px;
  }
  .etf-rate{
    font-size:11px;color:var(--gold);font-weight:700;letter-spacing:1px;margin-left:auto;
    font-family:var(--font-heading);padding:3px 8px;
    background:rgba(201,169,106,.08);border-radius:2px;
  }

  /* ============= INFO-MODAL ============= */
  .modal.modal-large{max-width:880px}
  .info-summary{
    background:var(--paper);padding:20px 24px;border-radius:3px;
    margin-bottom:26px;color:var(--ink);font-size:14px;line-height:1.65;
    border-left:3px solid var(--gold);
  }
  .info-facts{
    display:grid;grid-template-columns:repeat(2,1fr);gap:16px;
    margin-bottom:26px;padding:20px 22px;background:#fff;border:1px solid var(--line);border-radius:3px;
    position:relative;
  }
  .info-facts::before{
    content:"";position:absolute;top:-1px;left:22px;width:28px;height:2px;
    background:var(--gold);
  }
  .info-fact .lbl{
    font-size:9.5px;letter-spacing:1.6px;text-transform:uppercase;color:var(--muted);
    margin-bottom:4px;font-weight:700;
  }
  .info-fact .val{
    font-family:var(--font-heading);font-size:16px;color:var(--navy-900);
    font-weight:700;line-height:1.25;letter-spacing:-.2px;
  }
  .info-section{
    margin-bottom:24px;padding-bottom:20px;border-bottom:1px solid var(--line);
  }
  .info-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
  .info-section h4{
    font-size:10px;letter-spacing:2.2px;text-transform:uppercase;color:var(--gold);
    font-weight:700;margin-bottom:12px;display:flex;align-items:center;gap:10px;
  }
  .info-section h4::before{content:"";width:18px;height:1px;background:var(--gold)}
  .info-section p,.info-section ul{font-size:14px;color:var(--ink);line-height:1.7}
  .info-section ul{list-style:none;padding-left:0}
  .info-section li{padding:5px 0 5px 18px;position:relative}
  .info-section li::before{
    content:"";position:absolute;left:0;top:12px;
    width:5px;height:5px;border-radius:50%;background:var(--gold);
  }

  /* ============= GROWTH-MODAL ============= */
  .growth-meta{
    display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:26px;
  }
  .growth-contrib-slider{
    background:linear-gradient(135deg, var(--cream), #fff);
    border:1px solid var(--gold-soft);border-radius:4px;
    padding:24px 28px;margin-bottom:26px;
    position:relative;
  }
  .growth-contrib-slider::before{
    content:"";position:absolute;top:-1px;left:-1px;right:-1px;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
  }
  .gcs-head{
    display:flex;justify-content:space-between;align-items:flex-start;gap:20px;
    margin-bottom:16px;flex-wrap:wrap;
  }
  .gcs-label{
    font-size:11px;letter-spacing:2.2px;text-transform:uppercase;color:var(--gold);
    font-weight:700;
  }
  .gcs-hint{
    display:block;font-size:11px;letter-spacing:.5px;text-transform:none;
    color:var(--muted);font-weight:400;font-style:italic;margin-top:5px;
  }
  .gcs-value-wrap{
    display:flex;align-items:center;gap:8px;
    background:#fff;border:1px solid var(--line);border-radius:3px;padding:8px 14px;
    transition:border-color .2s ease;
  }
  .gcs-value-wrap:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,169,106,.1)}
  .gcs-value-wrap input{
    width:80px;border:none;background:transparent;outline:none;
    font-family:var(--font-heading);font-weight:700;font-size:22px;color:var(--navy-900);
    text-align:right;letter-spacing:-.3px;
  }
  .gcs-value-wrap input::-webkit-inner-spin-button{appearance:none}
  .gcs-value-wrap span{font-size:13px;color:var(--muted);letter-spacing:1px;font-weight:600}
  #growthContribSlider{width:100%;margin-bottom:6px}
  .gcs-scale{
    display:flex;justify-content:space-between;font-size:10px;color:var(--muted);
    margin-bottom:16px;letter-spacing:1px;font-weight:600;
  }
  .gcs-presets{display:flex;gap:6px;flex-wrap:wrap}
  .gcs-presets button{
    background:#fff;border:1px solid var(--line);
    color:var(--navy-800);padding:7px 16px;font-size:11px;letter-spacing:1.2px;font-weight:700;
    font-family:'Inter',sans-serif;cursor:pointer;border-radius:2px;
    transition:all .2s ease;
  }
  .gcs-presets button:hover{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}
  .gcs-presets button.active{background:var(--gold);color:var(--navy-900);border-color:var(--gold);box-shadow:0 2px 6px rgba(201,169,106,.3)}

  .growth-payout-info{
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));color:#fff;
    border-radius:3px;padding:22px 26px;margin-bottom:22px;
    display:flex;justify-content:space-between;align-items:center;gap:20px;
    position:relative;overflow:hidden;
  }
  .growth-payout-info::before{
    content:"";position:absolute;top:0;left:0;right:0;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
  }
  .growth-payout-info .gpi-text{
    font-size:13px;color:#c8d2e8;line-height:1.55;
  }
  .growth-payout-info .gpi-text strong{color:#fff;font-weight:600}
  .growth-payout-info .gpi-val{
    font-family:var(--font-heading);font-size:30px;font-weight:700;color:var(--gold-soft);
    line-height:1;text-align:right;flex-shrink:0;letter-spacing:-.5px;
  }
  .growth-payout-info .gpi-val small{
    font-size:13px;color:#9fb0d1;font-weight:400;font-family:'Inter',sans-serif;
    display:block;margin-top:6px;letter-spacing:1px;
  }
  .growth-meta-col{
    background:var(--paper);padding:16px 18px;border-radius:3px;
    border:1px solid var(--line);
  }
  .growth-meta-col.highlight{
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    border-color:var(--navy-900);
    box-shadow:0 4px 12px rgba(7,26,61,.15);
  }
  .growth-meta-col .lbl{
    font-size:9.5px;letter-spacing:1.8px;text-transform:uppercase;color:var(--muted);
    margin-bottom:5px;font-weight:700;
  }
  .growth-meta-col.highlight .lbl{color:var(--gold-soft)}
  .growth-meta-col .val{
    font-family:var(--font-heading);font-size:20px;color:var(--navy-900);font-weight:700;line-height:1.1;letter-spacing:-.3px;
  }
  .growth-meta-col.highlight .val{color:#fff;font-size:22px}

  .growth-chart-wrap{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:24px;margin-bottom:26px;height:320px;
    box-shadow:inset 0 1px 2px rgba(0,0,0,.02);
  }

  .etf-section-title{
    font-size:11px;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);
    font-weight:700;margin-bottom:14px;
  }
  .etf-section-sub{
    font-size:11px;letter-spacing:2.5px;text-transform:uppercase;color:var(--navy-900);
    font-weight:700;margin-bottom:14px;margin-top:4px;
    display:flex;align-items:center;gap:10px;flex-wrap:wrap;
  }
  .etf-section-sub::before{
    content:"";width:24px;height:1px;background:var(--gold);
  }
  .etf-section-sub .opt-tag{
    background:var(--paper);color:var(--muted);padding:3px 8px;border-radius:2px;
    font-size:9px;letter-spacing:1.2px;font-weight:600;
  }

  /* Mittlere Breite: Stats-Grid und Vorlage-Buttons anpassen */
  @media (max-width:700px){
    .etf-portfolio-head{padding:18px 20px}
    .eps-row{grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px;padding-bottom:14px}
    .eps-col:nth-child(3){grid-column:1 / -1}
    .eps-col .eps-val{font-size:17px}
    .qs-btn{padding:8px 12px;font-size:10.5px}
  }

  /* Portfolio-Header mit Stats und Quick-Sets */
  .etf-portfolio-head{
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    color:#fff;border-radius:4px;padding:22px 26px;margin-bottom:24px;
    position:relative;overflow:hidden;
  }
  .etf-portfolio-head::before{
    content:"";position:absolute;top:-1px;left:-1px;right:-1px;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
  }
  .eps-row{
    display:grid;grid-template-columns:1fr 1fr 1fr;gap:18px;
    padding-bottom:18px;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:16px;
  }
  .eps-col{min-width:0;display:flex;flex-direction:column;justify-content:flex-start}
  .eps-col .eps-lbl{
    font-size:9px;letter-spacing:1.4px;text-transform:uppercase;color:#9fb0d1;
    font-weight:600;margin-bottom:8px;line-height:1.35;
    /* Mehrzeilig erlauben statt abschneiden */
    word-break:normal;hyphens:auto;
  }
  .eps-col .eps-val{
    font-family:var(--font-heading);font-size:19px;font-weight:700;color:#fff;
    line-height:1.1;letter-spacing:-.3px;
    /* Keine Ellipsis – Wert komplett zeigen */
    word-break:keep-all;
  }
  .eps-col .eps-val.gold{color:var(--gold-soft)}
  .risk-bar{
    height:4px;background:rgba(255,255,255,.1);border-radius:2px;overflow:hidden;
    margin-top:8px;width:100%;max-width:90px;
  }
  .risk-fill{height:100%;border-radius:2px;transition:all .35s ease}
  .etf-quickset{
    display:flex;flex-direction:column;align-items:stretch;gap:8px;
  }
  .qs-label{
    font-size:10px;letter-spacing:1.6px;text-transform:uppercase;color:#9fb0d1;
    font-weight:600;margin-bottom:2px;
  }
  .qs-btn{
    background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);color:#dbe3f5;
    padding:9px 14px;font-size:11px;letter-spacing:1.1px;font-weight:600;
    font-family:'Inter',sans-serif;cursor:pointer;border-radius:2px;
    transition:all .2s ease;white-space:nowrap;width:100%;
    text-align:center;
  }
  .qs-btn:hover{background:var(--gold);color:var(--navy-900);border-color:var(--gold)}
  .qs-btn.active{background:var(--gold);color:var(--navy-900);border-color:var(--gold)}

  /* Ausgewählte ETFs mit Gewichtungs-Slidern */
  .etf-selected-list{display:flex;flex-direction:column;gap:12px;margin-bottom:16px}
  .etf-selected{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:18px 20px;transition:all .2s ease;
  }
  .etf-selected:hover{border-color:var(--gold-soft);box-shadow:0 2px 8px rgba(0,0,0,.04)}
  .etf-sel-head{
    display:grid;grid-template-columns:1fr auto auto;gap:14px;
    align-items:center;margin-bottom:14px;
  }
  .etf-sel-info{min-width:0;overflow:hidden}
  .etf-sel-name{
    font-weight:600;font-size:14.5px;color:var(--navy-900);
    margin-bottom:5px;line-height:1.3;
    /* Wichtig: Text bricht innerhalb der Spalte um, ragt nicht raus */
    word-wrap:break-word;overflow-wrap:break-word;hyphens:auto;
  }
  .etf-sel-meta{display:flex;gap:14px;align-items:center;font-size:11px;flex-wrap:wrap}
  .etf-sel-rate{color:var(--gold);font-weight:700;font-family:var(--font-heading);font-size:14px;white-space:nowrap}
  .etf-sel-risk{font-weight:700;font-size:9.5px;letter-spacing:1.5px;text-transform:uppercase;white-space:nowrap}
  .etf-sel-weight{
    display:flex;align-items:center;gap:4px;
    background:var(--paper);border:1px solid var(--line);border-radius:3px;padding:7px 12px;
    transition:border-color .2s ease;
  }
  .etf-sel-weight:focus-within{border-color:var(--gold)}
  .etf-sel-weight input{
    width:38px;border:none;background:transparent;outline:none;
    font-family:var(--font-heading);font-weight:700;font-size:16px;color:var(--navy-900);
    text-align:right;
  }
  .etf-sel-weight input::-webkit-inner-spin-button{appearance:none}
  .etf-sel-weight span{font-size:12px;color:var(--muted);font-weight:600}
  .etf-sel-remove{
    background:transparent;border:1px solid var(--line);color:var(--muted);
    width:30px;height:30px;border-radius:50%;cursor:pointer;font-size:11px;
    display:grid;place-items:center;transition:all .2s ease;
  }
  .etf-sel-remove:hover{background:var(--danger);color:#fff;border-color:var(--danger)}
  .weight-slider{
    width:100%;height:4px;-webkit-appearance:none;
    background:linear-gradient(90deg,var(--gold),var(--gold)) no-repeat;
    background-size:0% 100%;background-color:var(--line);
    border-radius:2px;outline:none;
  }
  .weight-slider::-webkit-slider-thumb{
    -webkit-appearance:none;width:16px;height:16px;background:var(--gold);
    border-radius:50%;cursor:pointer;border:2px solid #fff;
    box-shadow:0 1px 4px rgba(201,169,106,.4);
  }
  .weight-slider::-moz-range-thumb{
    width:16px;height:16px;background:var(--gold);border-radius:50%;cursor:pointer;
    border:2px solid #fff;box-shadow:0 1px 4px rgba(201,169,106,.4);
  }

  /* Verfügbare ETFs zum Hinzufügen */
  .etf-available{
    display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:10px;
  }
  .etf-card-add{
    background:#fff;border:1px dashed var(--line);border-radius:4px;
    cursor:pointer;transition:all .2s ease;
    padding:14px 16px;display:flex;align-items:center;gap:12px;
  }
  .etf-card-add:hover{
    background:#fafbff;border-color:var(--navy-700);border-style:solid;
    transform:translateY(-1px);box-shadow:0 4px 12px rgba(7,26,61,.06);
  }
  .etf-add-btn{
    width:30px;height:30px;border-radius:50%;
    background:var(--navy-950);color:var(--gold);
    display:grid;place-items:center;font-size:18px;font-weight:300;
    flex-shrink:0;transition:all .25s ease;
    box-shadow:0 2px 6px rgba(7,26,61,.15);
  }
  .etf-card-add:hover .etf-add-btn{
    background:var(--gold);color:var(--navy-900);
    transform:rotate(90deg);box-shadow:0 4px 12px rgba(201,169,106,.4);
  }
  .etf-card-add .etf-card-info{flex:1;min-width:0;overflow:hidden}
  .etf-card-add .etf-card-name{
    font-weight:600;font-size:13.5px;color:var(--navy-900);
    margin-bottom:3px;line-height:1.3;
    word-wrap:break-word;overflow-wrap:break-word;hyphens:auto;
  }
  .etf-card-add .etf-card-desc{
    font-size:11px;color:var(--muted);line-height:1.4;margin-bottom:6px;
  }
  .etf-card-add .etf-card-meta{
    display:flex;justify-content:space-between;align-items:center;gap:8px;
  }
  .etf-card-add .etf-card-rate{
    font-family:var(--font-heading);font-weight:700;font-size:13px;color:var(--gold);
  }
  .etf-card-add .etf-card-risk{
    font-size:9px;letter-spacing:1px;text-transform:uppercase;font-weight:700;
  }

  /* Bandbreite im Payout */
  .gpi-range{
    margin-top:8px;display:flex;gap:8px;align-items:center;
    font-size:11px;color:#9fb0d1;font-family:'Inter',sans-serif;font-weight:600;letter-spacing:.5px;
  }
  .range-worst{color:#ff8fa3}
  .range-best{color:#7fd9b3}
  .range-sep{color:#5a6987}

  /* ETF-Chip Gewichtung – siehe Hauptregel weiter oben */
  .etf-grid{
    display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px;
    margin-bottom:14px;
  }
  .etf-card{
    background:#fff;border:1px solid var(--line);border-radius:3px;
    padding:12px 14px;cursor:pointer;transition:all .2s ease;
    display:flex;align-items:flex-start;gap:10px;
  }
  .etf-card:hover{border-color:var(--navy-700);background:#fafbff}
  .etf-card.selected{background:var(--navy-950);border-color:var(--navy-950);color:#fff}
  .etf-card.selected .etf-card-rate{color:var(--gold-soft)}
  .etf-card.selected .etf-card-desc{color:#c8d2e8}
  .etf-card.selected .etf-card-risk{background:rgba(255,255,255,.1);color:#dbe3f5}
  .etf-check{
    width:18px;height:18px;border:1.5px solid var(--line);border-radius:3px;
    flex-shrink:0;display:grid;place-items:center;transition:all .2s ease;
  }
  .etf-card.selected .etf-check{background:var(--gold);border-color:var(--gold)}
  .etf-card.selected .etf-check::after{
    content:"";width:5px;height:9px;border:solid var(--navy-900);
    border-width:0 2px 2px 0;transform:rotate(45deg) translate(-1px,-2px);
  }
  .etf-card-info{flex:1;min-width:0;overflow:hidden}
  .etf-card-name{
    font-weight:600;font-size:13px;color:var(--navy-900);margin-bottom:2px;
    word-wrap:break-word;overflow-wrap:break-word;hyphens:auto;line-height:1.3;
  }
  .etf-card.selected .etf-card-name{color:#fff}
  .etf-card-desc{
    font-size:11px;color:var(--muted);line-height:1.3;margin-bottom:6px;
    word-wrap:break-word;overflow-wrap:break-word;
  }
  .etf-card-meta{display:flex;justify-content:space-between;align-items:center;gap:8px}
  .etf-card-rate{
    font-family:var(--font-heading);font-weight:700;font-size:14px;color:var(--gold);
  }
  .etf-card-risk{
    font-size:9px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);
    background:var(--paper);padding:2px 6px;border-radius:2px;font-weight:600;
  }
  .etf-disclaimer{
    font-size:11px;color:var(--muted);font-style:italic;line-height:1.6;
    margin-top:14px;padding:14px 18px;background:var(--paper);border-radius:3px;
    border-left:2px solid var(--gold-soft);
  }
  .rente-info-box{
    background:linear-gradient(90deg,rgba(201,169,106,.08),transparent);
    padding:16px 20px;border-radius:3px;border-left:3px solid var(--gold);
    font-size:13px;color:var(--ink);line-height:1.55;margin-top:18px;
  }
  .rente-info-box strong{color:var(--navy-900)}

  /* ============= BRIDGE-CTA (Loss-Aversion-Visualisierung) ============= */
  .bridge-cta{
    margin-top:40px;padding:40px 44px;border-radius:6px;
    background:#fff;border:1px solid var(--line);
    box-shadow:0 8px 32px -12px rgba(7,26,61,.15);
    position:relative;overflow:hidden;
  }
  .bridge-cta::before{
    content:"";position:absolute;top:0;left:0;right:0;height:4px;
    background:linear-gradient(90deg, var(--gold) 0%, var(--gold-soft) 100%);
  }
  .bridge-cta-warn::before{
    background:linear-gradient(90deg, #c9384a 0%, #d97548 100%);
  }
  .bridge-cta-success::before{
    background:linear-gradient(90deg, #1f7a55 0%, var(--gold) 100%);
  }
  .bridge-cta-inner{max-width:780px;margin:0 auto}
  .bridge-cta-text{display:flex;flex-direction:column;gap:0}
  .bridge-cta .ornament{
    color:var(--gold);font-size:11px;letter-spacing:3px;
    text-transform:uppercase;font-weight:700;
    display:flex;align-items:center;gap:12px;margin-bottom:12px;
  }
  .bridge-cta .ornament::after{
    content:"";flex:1;height:1px;background:linear-gradient(90deg,var(--gold-soft),transparent);
  }
  .bridge-cta h3{
    font-family:var(--font-heading);font-size:26px;font-weight:600;
    color:var(--navy-900);letter-spacing:-.4px;line-height:1.25;
    margin:0 0 12px;
  }
  .bridge-cta-intro{
    font-size:15px;color:var(--ink);line-height:1.6;margin:0 0 28px;
  }
  .bridge-cta-intro strong{color:var(--navy-900);font-weight:700}
  .bridge-cta-figures{
    display:flex;align-items:stretch;justify-content:center;
    gap:14px;padding:24px 16px;margin:0 0 24px;
    background:var(--paper);border-radius:4px;
    border:1px solid var(--line);
    flex-wrap:nowrap;
  }
  .bcf-item{
    flex:1;min-width:0;display:flex;flex-direction:column;
    align-items:center;justify-content:center;text-align:center;
    padding:8px 4px;
  }
  .bcf-val{
    font-family:var(--font-heading);font-size:22px;font-weight:700;
    color:var(--navy-900);letter-spacing:-.3px;line-height:1.1;
    margin-bottom:6px;
  }
  .bcf-lbl{
    font-size:10px;letter-spacing:1.4px;text-transform:uppercase;
    color:var(--muted);font-weight:600;line-height:1.3;
  }
  .bcf-mult{
    display:flex;align-items:center;justify-content:center;
    font-family:var(--font-heading);font-size:22px;font-weight:300;
    color:var(--gold);flex-shrink:0;padding:0 2px;
  }
  .bcf-total .bcf-val{
    color:#c9384a;font-size:26px;
  }
  .bridge-cta-success .bcf-total .bcf-val{color:#1f7a55}
  .bridge-cta-solution{
    font-size:14.5px;color:var(--ink);line-height:1.6;
    margin:0 0 24px;padding:14px 18px;
    background:rgba(201,169,106,.08);
    border-left:3px solid var(--gold);border-radius:3px;
  }
  .bridge-cta-solution strong{color:var(--navy-900);font-weight:700}
  .bridge-cta-btn{
    display:inline-flex;align-items:center;justify-content:space-between;
    gap:18px;padding:18px 28px;
    background:linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 100%);
    color:#fff;text-decoration:none;border-radius:4px;
    font-family:'Inter',sans-serif;font-weight:700;font-size:14px;
    letter-spacing:.5px;text-transform:uppercase;line-height:1.3;
    transition:all .25s cubic-bezier(.4,0,.2,1);
    box-shadow:0 6px 20px -6px rgba(7,26,61,.4);
    align-self:stretch;position:relative;overflow:hidden;
  }
  .bridge-cta-btn::before{
    content:"";position:absolute;left:0;top:0;bottom:0;width:5px;
    background:linear-gradient(180deg, var(--gold), #a88748);
    transition:width .25s ease;
  }
  .bridge-cta-btn:hover{
    transform:translateY(-2px);
    box-shadow:0 14px 28px -10px rgba(7,26,61,.55);
  }
  .bridge-cta-btn:hover::before{width:7px}
  .bridge-cta-btn .bcb-text{flex:1;padding-left:8px}
  .bridge-cta-btn .bcb-arrow{
    color:var(--gold);font-size:24px;font-weight:700;
    transition:transform .25s ease;
  }
  .bridge-cta-btn:hover .bcb-arrow{transform:translateX(4px)}
  .bridge-cta-meta{
    margin-top:14px;font-size:10.5px;color:var(--muted);
    line-height:1.5;font-style:italic;text-align:center;
  }

  @media (max-width:680px){
    .bridge-cta{padding:28px 22px}
    .bridge-cta h3{font-size:22px}
    .bridge-cta-figures{flex-wrap:wrap;gap:10px;padding:18px 10px}
    .bcf-item{flex:1 1 30%;min-width:90px}
    .bcf-mult{flex:0 0 auto;font-size:18px}
    .bcf-val{font-size:18px}
    .bcf-total .bcf-val{font-size:22px}
    .bridge-cta-btn{font-size:13px;padding:16px 20px;gap:10px;flex-wrap:nowrap}
  }

  /* ============= ZUSAMMENFASSUNG ============= */
  .summary-section{
    margin-top:54px;padding:60px 54px 50px;
    background:linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 50%, var(--navy-900) 100%);
    color:#fff;border-radius:4px;position:relative;overflow:hidden;
  }
  .summary-section::before{
    content:"";position:absolute;top:-30%;right:-15%;width:620px;height:620px;
    background:radial-gradient(circle,rgba(201,169,106,.18),transparent 70%);
    pointer-events:none;
  }
  .summary-section::after{
    content:"";position:absolute;bottom:-50%;left:-10%;width:520px;height:520px;
    background:radial-gradient(circle,rgba(47,111,219,.14),transparent 70%);
    pointer-events:none;
  }
  .summary-head{text-align:center;margin-bottom:44px;position:relative;z-index:1}
  .summary-head .ornament{justify-content:center;color:var(--gold)}
  .summary-head h3{
    font-family:var(--font-heading);font-size:38px;color:#fff;font-weight:600;
    margin-bottom:14px;letter-spacing:-.5px;line-height:1.15;
  }
  .summary-head h3 em{color:var(--gold-soft);font-style:italic;font-weight:500}
  .summary-head p{color:#c8d2e8;font-size:15px;max-width:620px;margin:0 auto;line-height:1.7}

  .summary-grid{
    display:grid;grid-template-columns:repeat(auto-fit,minmax(310px,1fr));gap:20px;
    position:relative;z-index:1;margin-bottom:38px;
  }
  .summary-item{
    background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.10);
    border-radius:4px;padding:26px 28px;
    display:flex;gap:20px;align-items:flex-start;
    transition:all .25s ease;
    min-height:160px;
  }
  .summary-item:hover{
    background:rgba(255,255,255,.075);border-color:rgba(201,169,106,.4);
    transform:translateY(-2px);
    box-shadow:0 10px 30px -10px rgba(0,0,0,.4);
  }
  .summary-item .si-icon{
    width:48px;height:48px;border-radius:50%;flex-shrink:0;
    display:grid;place-items:center;
    background:linear-gradient(135deg,var(--gold),#b8954a);color:var(--navy-900);
    font-family:var(--font-heading);font-weight:700;font-size:21px;
    box-shadow:0 4px 14px rgba(201,169,106,.3), inset 0 1px 0 rgba(255,255,255,.25);
    line-height:1;
  }
  .summary-item .si-icon.success{
    background:linear-gradient(135deg,#3aa57a,var(--success));color:#fff;
    box-shadow:0 4px 14px rgba(31,122,85,.35), inset 0 1px 0 rgba(255,255,255,.25);
  }
  .summary-item .si-icon.warn{
    background:linear-gradient(135deg,#e6a86b,#b8742b);color:#fff;
    box-shadow:0 4px 14px rgba(184,116,43,.35), inset 0 1px 0 rgba(255,255,255,.25);
  }
  .summary-item .si-body{flex:1;min-width:0}
  .summary-item .si-title{
    font-family:var(--font-heading);font-size:17px;color:#fff;font-weight:600;
    margin-bottom:10px;line-height:1.35;letter-spacing:-.2px;
  }
  .summary-item .si-text{font-size:13px;color:#c8d2e8;line-height:1.65}
  .summary-item .si-text strong{color:var(--gold-soft);font-weight:600}

  .summary-cta{
    position:relative;z-index:1;text-align:center;
    padding-top:34px;border-top:1px solid rgba(255,255,255,.1);
    font-family:var(--font-heading);font-size:19px;color:#fff;line-height:1.6;
    max-width:760px;margin:0 auto;letter-spacing:-.2px;
  }
  .summary-cta strong{color:var(--gold-soft);font-weight:600}
  .summary-cta em{color:var(--gold);font-style:italic}

  @media (max-width:900px){
    .summary-section{padding:44px 24px 38px}
    .summary-head h3{font-size:28px}
    .summary-item{padding:20px 22px}
  }

  .final-cta{
    margin-top:50px;text-align:center;padding:60px 50px;
    background:linear-gradient(135deg,var(--cream),#fff);
    border:1px solid var(--line);border-radius:4px;position:relative;overflow:hidden;
  }
  .final-cta::before{
    content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);
    width:80px;height:3px;background:var(--gold);
  }
  .final-cta .ornament{justify-content:center}
  .final-cta h3{
    font-family:var(--font-heading);font-size:32px;color:var(--navy-900);
    margin-bottom:14px;font-weight:600;letter-spacing:-.4px;
  }
  .final-cta p{color:var(--muted);margin-bottom:30px;font-size:15px;line-height:1.6;max-width:480px;margin-left:auto;margin-right:auto}
  .final-cta-actions{display:flex;gap:16px;justify-content:center;align-items:center;flex-wrap:wrap}
  .cta-secondary{
    display:inline-flex;align-items:center;gap:10px;
    background:transparent;color:var(--navy-900);
    padding:17px 28px;border:1px solid var(--navy-900);border-radius:2px;
    font-family:'Inter',sans-serif;font-weight:700;font-size:12px;letter-spacing:2px;text-transform:uppercase;
    cursor:pointer;transition:all .2s ease;
  }
  .cta-secondary:hover{background:var(--navy-900);color:#fff;transform:translateY(-1px)}
  .cta-secondary .cta-icon{
    font-size:16px;line-height:1;
    width:24px;height:24px;border-radius:50%;
    background:var(--navy-900);color:var(--gold);
    display:grid;place-items:center;transition:all .2s ease;
  }
  .cta-secondary:hover .cta-icon{background:var(--gold);color:var(--navy-900)}

  .cta-disclaimer{
    margin-top:24px;font-size:11px;color:var(--muted);
    font-style:italic;line-height:1.5;max-width:520px;margin-left:auto;margin-right:auto;
  }

  footer{
    background:var(--navy-950);color:#9fb0d1;padding:50px 48px 30px;
    border-top:1px solid rgba(201,169,106,.2);font-weight:500;
  }
  .footer-inner{max-width:1100px;margin:0 auto;text-align:center}
  .footer-brand{
    color:var(--gold);font-family:var(--font-heading);
    font-size:15px;letter-spacing:5px;margin-bottom:4px;font-weight:600;
  }
  .footer-tagline{
    color:#bfc7d9;font-family:var(--font-heading);font-style:italic;
    font-size:13px;letter-spacing:.5px;margin-bottom:24px;font-weight:400;
  }
  .footer-disclaimer{
    font-size:11.5px;line-height:1.7;color:#bfc7d9;font-weight:400;letter-spacing:.3px;
    max-width:880px;margin:0 auto 28px;text-align:left;
    padding:18px 22px;background:rgba(255,255,255,.03);border-left:2px solid var(--gold);
    border-radius:2px;
  }
  .footer-disclaimer strong{color:#fff;font-weight:600}
  .footer-links{
    display:flex;justify-content:center;flex-wrap:wrap;gap:4px 8px;
    margin-bottom:20px;
  }
  .footer-link{
    background:transparent;border:none;color:#dbe3f5;cursor:pointer;
    font-size:11px;letter-spacing:1.8px;text-transform:uppercase;font-weight:600;
    font-family:'Inter',sans-serif;padding:6px 4px;
    transition:color .2s ease;
  }
  .footer-link:hover{color:var(--gold)}
  .footer-sep{color:rgba(201,169,106,.4);font-size:11px}
  .footer-copyright{
    font-size:10px;color:#7787a6;letter-spacing:.5px;line-height:1.6;
    padding-top:20px;border-top:1px solid rgba(255,255,255,.06);font-weight:400;
    max-width:780px;margin:0 auto;
  }

  /* ============= INLINE DISCLAIMER ============= */
  .legal-notice{
    background:linear-gradient(180deg,#fff8e8,#fff);
    border:1px solid var(--gold-soft);border-left:3px solid var(--gold);
    border-radius:3px;padding:14px 18px;
    font-size:11.5px;line-height:1.6;color:var(--ink);
    margin:20px 0;
  }
  .legal-notice.compact{font-size:10.5px;padding:10px 14px;margin:14px 0}
  .legal-notice strong{color:var(--navy-900);font-weight:700}
  .legal-notice .ln-icon{
    display:inline-flex;align-items:center;justify-content:center;
    width:18px;height:18px;border-radius:50%;background:var(--gold);color:var(--navy-900);
    font-family:var(--font-heading);font-weight:700;font-size:11px;font-style:italic;
    margin-right:8px;vertical-align:-2px;
  }
  /* ============= ROUTING ============= */
  .page{display:none}
  .page.active{display:block;animation:pageFade .35s ease}
  @keyframes pageFade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}
  .topbar nav span{cursor:pointer;transition:color .2s ease,opacity .2s ease}
  .topbar nav span:hover{opacity:1;color:#fff}

  /* ============= LEARN PAGE ============= */
  .learn-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:90px 48px 70px;position:relative;overflow:hidden;
  }
  .learn-hero::before{
    content:"";position:absolute;inset:0;
    background-image:
      linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),
      linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
    background-size:60px 60px;
    mask-image:radial-gradient(ellipse at center,#000 30%,transparent 80%);
    pointer-events:none;
  }
  .learn-hero-inner{max-width:1200px;margin:0 auto;position:relative;z-index:1;text-align:center}
  .learn-hero h1{
    font-family:var(--font-heading);font-size:60px;line-height:1.1;
    font-weight:600;margin-bottom:24px;letter-spacing:-.6px;
  }
  .learn-hero h1 em{color:var(--gold-soft);font-style:italic;font-weight:500}
  .learn-hero p.lede{
    font-size:17px;color:#c8d2e8;max-width:640px;margin:0 auto;line-height:1.65;
  }

  .learn-tabs{
    display:flex;flex-wrap:wrap;justify-content:center;gap:10px;
    margin-bottom:54px;padding-bottom:32px;border-bottom:1px solid var(--line);
  }
  .learn-tab{
    background:transparent;border:1px solid var(--line);
    padding:12px 24px;font-family:'Inter',sans-serif;font-size:11px;letter-spacing:2px;text-transform:uppercase;font-weight:700;
    color:var(--muted);cursor:pointer;border-radius:2px;transition:all .2s ease;
  }
  .learn-tab:hover{border-color:var(--navy-700);color:var(--navy-900);background:#fff}
  .learn-tab.active{
    background:var(--navy-950);color:#fff;border-color:var(--navy-950);
    box-shadow:0 4px 12px rgba(7,26,61,.2);
  }

  .learn-grid{
    display:grid;grid-template-columns:repeat(auto-fit,minmax(360px,1fr));gap:24px;
    margin-bottom:80px;
  }
  .topic-card{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    overflow:hidden;transition:all .25s ease;cursor:pointer;
    display:flex;flex-direction:column;
  }
  .topic-card:hover{
    transform:translateY(-4px);box-shadow:0 24px 50px -25px rgba(7,26,61,.3);
    border-color:var(--gold-soft);
  }
  .topic-head{
    padding:26px 28px 22px;border-bottom:1px solid var(--line);
    display:flex;align-items:center;gap:16px;
    background:linear-gradient(135deg,var(--cream) 0%,#fff 100%);
  }
  .topic-head > div:not(.topic-icon){
    flex:1;min-width:0;overflow:hidden;
  }
  .topic-icon{
    width:50px;height:50px;border-radius:8px;flex-shrink:0;
    background:linear-gradient(135deg,var(--navy-800),var(--navy-950));color:var(--gold-soft);
    display:grid;place-items:center;
    box-shadow:0 4px 12px rgba(7,26,61,.15), inset 0 1px 0 rgba(255,255,255,.08);
  }
  .topic-icon svg{
    width:26px;height:26px;display:block;
  }
  .topic-cat{
    font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);
    font-weight:700;margin-bottom:5px;
  }
  .topic-title{
    font-family:var(--font-heading);font-size:20px;color:var(--navy-900);
    font-weight:600;line-height:1.25;letter-spacing:-.2px;
    word-wrap:break-word;overflow-wrap:break-word;hyphens:auto;
  }
  .topic-body{padding:26px 28px;flex:1;display:flex;flex-direction:column}
  .topic-summary{color:var(--ink);font-size:13.5px;margin-bottom:18px;flex:1;line-height:1.6}
  .topic-details{display:none;border-top:1px solid var(--line);padding-top:20px;margin-top:6px}
  .topic-details.open{display:block;animation:fadeIn .3s ease}
  .topic-section{margin-bottom:20px}
  .topic-section:last-child{margin-bottom:0}
  .topic-section h4{
    font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);font-weight:700;
    margin-bottom:10px;display:flex;align-items:center;gap:10px;
  }
  .topic-section h4::before{content:"";width:18px;height:1px;background:var(--gold)}
  .topic-section p,.topic-section ul{font-size:13px;color:var(--ink);line-height:1.65}
  .topic-section ul{list-style:none;padding-left:0}
  .topic-section li{padding:5px 0 5px 16px;position:relative;color:var(--ink)}
  .topic-section li::before{
    content:"";position:absolute;left:0;top:12px;
    width:5px;height:5px;border-radius:50%;background:var(--gold);
  }
  .topic-key-facts{
    display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-bottom:20px;
    padding:16px 18px;background:var(--paper);border-radius:3px;border:1px solid var(--line);
  }
  .key-fact .lbl{font-size:9px;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted);margin-bottom:4px;font-weight:600}
  .key-fact .val{font-family:var(--font-heading);font-size:15px;color:var(--navy-900);font-weight:700;line-height:1.2;letter-spacing:-.2px}
  .topic-toggle{
    background:transparent;border:none;color:var(--navy-800);
    font-family:'Inter',sans-serif;font-weight:700;font-size:11px;letter-spacing:2px;text-transform:uppercase;
    padding:16px 0 0;cursor:pointer;display:flex;align-items:center;gap:10px;
    border-top:1px solid var(--line);margin-top:auto;transition:color .2s ease;
  }
  .topic-toggle:hover{color:var(--gold)}
  .topic-toggle .chev{transition:transform .25s ease;display:inline-block}
  .topic-toggle.open .chev{transform:rotate(180deg)}

  /* Topic-Deep-Dive: Umfassende Details + Quellen
     Erscheint innerhalb von .topic-details (also erst nach Klick auf "Mehr erfahren")
     und wird über einen eigenen Toggle ausgeklappt. */
  .topic-deep-wrap{
    margin-top:24px;padding-top:20px;border-top:1px solid var(--line);
  }
  .topic-deep-toggle{
    width:100%;display:flex;align-items:center;gap:14px;
    background:linear-gradient(135deg,var(--navy-950) 0%,var(--navy-800) 100%);
    color:#fff;border:none;border-radius:4px;
    padding:16px 20px;cursor:pointer;text-align:left;
    transition:all .25s cubic-bezier(.4,0,.2,1);
    box-shadow:0 4px 14px -4px rgba(7,26,61,.35);position:relative;overflow:hidden;
  }
  .topic-deep-toggle::before{
    content:"";position:absolute;left:0;top:0;bottom:0;width:4px;
    background:linear-gradient(180deg,var(--gold),#a88748);
    transition:width .25s ease;
  }
  .topic-deep-toggle:hover{
    transform:translateY(-2px);
    box-shadow:0 10px 26px -8px rgba(7,26,61,.5);
  }
  .topic-deep-toggle:hover::before{width:6px}
  .topic-deep-toggle .tdt-text{
    flex:1;min-width:0;display:flex;flex-direction:column;gap:3px;
  }
  .topic-deep-toggle .tdt-main{
    font-family:'Inter',sans-serif;font-size:12.5px;font-weight:700;
    color:var(--gold-soft);letter-spacing:1.2px;text-transform:uppercase;line-height:1.3;
  }
  .topic-deep-toggle .tdt-sub{
    font-size:11.5px;color:rgba(255,255,255,.7);font-weight:400;
    line-height:1.4;letter-spacing:.1px;text-transform:none;
  }
  .topic-deep-toggle .tdt-icon{
    width:32px;height:32px;border-radius:50%;flex-shrink:0;
    background:var(--gold);color:var(--navy-900);
    display:grid;place-items:center;font-size:20px;font-weight:300;line-height:1;
    transition:transform .3s ease,background .2s ease;
    box-shadow:0 2px 8px rgba(201,169,106,.45);
  }
  .topic-deep-toggle.open .tdt-icon{
    transform:rotate(45deg);background:var(--gold-soft);
  }

  .topic-deep{
    display:none;margin-top:18px;padding:24px 26px;
    background:var(--paper);border:1px solid var(--line);border-radius:4px;
    border-left:3px solid var(--gold);
  }
  .topic-deep.open{display:block;animation:fadeIn .4s ease}

  .topic-deep-intro{
    font-size:14px;color:var(--ink);line-height:1.7;
    padding-bottom:18px;margin-bottom:18px;border-bottom:1px solid var(--line);
    font-style:italic;
  }
  .topic-deep-intro strong{color:var(--navy-900);font-weight:700;font-style:normal}
  .topic-deep-intro em{color:var(--gold);font-style:italic}

  .topic-deep-chapter{margin-bottom:22px}
  .topic-deep-chapter:last-of-type{margin-bottom:18px}
  .topic-deep-chapter h5{
    font-family:var(--font-heading);font-size:15.5px;color:var(--navy-900);
    font-weight:600;margin-bottom:10px;letter-spacing:-.1px;line-height:1.3;
    padding-left:14px;border-left:2px solid var(--gold);
  }
  .topic-deep-chapter p{
    font-size:13.5px;color:var(--ink);line-height:1.75;margin:0 0 10px;
  }
  .topic-deep-chapter p:last-child{margin-bottom:0}
  .topic-deep-chapter p strong{color:var(--navy-900);font-weight:700}
  .topic-deep-chapter p em{color:var(--navy-800);font-style:italic;font-weight:500}
  .topic-deep-chapter ul{
    list-style:none;padding-left:0;margin:8px 0 0;
  }
  .topic-deep-chapter li{
    padding:5px 0 5px 18px;position:relative;
    font-size:13px;color:var(--ink);line-height:1.6;
  }
  .topic-deep-chapter li::before{
    content:"";position:absolute;left:0;top:13px;
    width:6px;height:1.5px;background:var(--gold);
  }
  .topic-deep-chapter li strong{color:var(--navy-900);font-weight:700}

  .topic-deep-sources{
    margin-top:20px;padding-top:18px;border-top:1px solid var(--line);
  }
  .topic-deep-sources h6{
    font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);
    font-weight:700;margin:0 0 12px;display:flex;align-items:center;gap:10px;
  }
  .topic-deep-sources h6::before{content:"";width:18px;height:1px;background:var(--gold)}
  .topic-deep-sources ol{
    margin:0;padding-left:22px;font-size:12px;color:var(--ink);
  }
  .topic-deep-sources li{
    padding:4px 0;line-height:1.55;
  }
  .topic-deep-sources li a{
    color:var(--navy-800);text-decoration:none;font-weight:600;
    border-bottom:1px dotted var(--navy-800);transition:color .2s ease,border-color .2s ease;
  }
  .topic-deep-sources li a:hover{
    color:var(--gold);border-bottom-color:var(--gold);
  }
  .topic-deep-sources li .src-note{
    display:block;font-size:11px;color:var(--muted);
    margin-top:1px;font-style:italic;
  }
  .topic-deep-disclaimer{
    margin:16px 0 0;padding:10px 12px;
    background:#fff;border:1px dashed var(--line);border-radius:3px;
    font-size:10.5px;color:var(--muted);line-height:1.5;font-style:italic;
  }

  /* Topic-Affiliate-Button (Quiz-Trichter je Versicherungs-Topic).
     Wird als <button> gerendert; Reset von Browser-Defaults. */
  .topic-affiliate-btn{
    width:100%;display:flex;align-items:center;gap:12px;
    margin-top:14px;padding:13px 16px 13px 18px;
    background:var(--paper);
    border:1px solid var(--line);border-radius:3px;
    text-decoration:none;position:relative;text-align:left;
    font-family:inherit;font-size:inherit;color:inherit;
    transition:all .25s cubic-bezier(.4,0,.2,1);
    cursor:pointer;box-sizing:border-box;
    box-shadow:0 2px 6px rgba(7,26,61,.05);
  }
  .topic-affiliate-btn::before{
    content:"";position:absolute;left:0;top:0;bottom:0;width:4px;
    background:linear-gradient(180deg,var(--gold),#a88748);
    transition:width .25s ease;
    border-radius:3px 0 0 3px;
  }
  .topic-affiliate-btn:hover{
    background:#fff;
    border-color:var(--gold-soft);
    box-shadow:0 8px 22px -6px rgba(201,169,106,.35), 0 2px 8px rgba(7,26,61,.08);
    transform:translateY(-2px);
  }
  .topic-affiliate-btn:hover::before{width:6px}
  .topic-affiliate-btn .taf-text{
    flex:1;min-width:0;display:flex;flex-direction:column;gap:3px;
  }
  .topic-affiliate-btn .taf-main{
    font-family:'Inter',sans-serif;font-size:13px;font-weight:600;
    color:var(--navy-900);letter-spacing:.2px;line-height:1.3;
  }
  .topic-affiliate-btn .taf-main strong{
    color:#a88748;font-weight:800;letter-spacing:.4px;
  }
  .topic-affiliate-btn .taf-sub{
    font-size:10.5px;color:var(--muted);font-weight:500;line-height:1.4;
  }
  .topic-affiliate-btn .taf-arrow{
    font-size:16px;color:var(--navy-900);font-weight:700;flex-shrink:0;
    transition:all .25s ease;line-height:1;
    width:30px;height:30px;border-radius:50%;
    background:var(--gold);
    display:grid;place-items:center;
    box-shadow:0 2px 8px rgba(201,169,106,.4);
  }
  .topic-affiliate-btn:hover .taf-arrow{
    transform:translateX(3px) scale(1.08);
    background:var(--gold-soft);
    box-shadow:0 4px 12px rgba(201,169,106,.6);
  }
  .topic-affiliate-btn .taf-tag{
    position:absolute;top:-1px;right:14px;
    font-size:8px;letter-spacing:1.3px;text-transform:uppercase;
    color:var(--navy-900);font-weight:700;
    background:var(--gold);padding:2px 8px 2px;
    border-radius:0 0 2px 2px;line-height:1.4;
    box-shadow:0 2px 6px rgba(201,169,106,.3);
  }
  /* Preis-Anker am Button (z.B. "ab 5 €/M") */
  .topic-affiliate-btn .taf-price{
    position:absolute;top:-10px;right:14px;
    font-family:'Inter',sans-serif;font-size:10px;font-weight:800;
    letter-spacing:.4px;color:var(--navy-900);
    background:var(--gold);padding:4px 10px;
    border-radius:14px;line-height:1.2;
    box-shadow:0 3px 8px rgba(201,169,106,.45), 0 0 0 2px #fff;
    white-space:nowrap;
  }

  /* Wrapper für Trust-Stripe + Button + Meta-Hinweis */
  .topic-affiliate-block{
    margin-top:14px;display:flex;flex-direction:column;gap:0;
  }

  /* Trust-Stripe direkt über dem Hauptbutton: Tarif-Zahl + Versicherer-Liste */
  .topic-trust-stripe{
    display:flex;align-items:center;gap:8px;flex-wrap:wrap;
    padding:6px 4px 8px;font-size:11px;color:var(--muted);
    line-height:1.35;
  }
  .topic-trust-stripe .tts-item{
    display:inline-flex;align-items:center;gap:5px;
    font-weight:600;color:var(--navy-800);letter-spacing:.1px;
  }
  .topic-trust-stripe .tts-icon{
    color:var(--gold);font-size:11px;line-height:1;
  }
  .topic-trust-stripe .tts-sep{color:var(--gold-soft);font-weight:700}
  .topic-trust-stripe .tts-insurers{
    font-weight:500;color:var(--muted);font-size:10.5px;
    letter-spacing:.3px;
  }

  /* Dezenter Anzeigen-/Compliance-Hinweis UNTER dem Button (statt prominentem Tag) */
  .topic-affiliate-meta{
    display:flex;align-items:center;gap:6px;flex-wrap:wrap;
    padding:8px 4px 0;font-size:10px;color:var(--muted);
    line-height:1.4;
  }
  .topic-affiliate-meta .tam-anzeige{
    font-weight:600;color:#9a8358;letter-spacing:.3px;
    text-transform:uppercase;font-size:9.5px;
  }
  .topic-affiliate-meta .tam-sep{opacity:.5}
  .topic-affiliate-meta .tam-note{font-style:italic;color:var(--muted)}

  /* Mini-CTA nach den Key-Facts (zweite, höher gelegene Klick-Chance).
     Als <button> gerendert; Reset von Browser-Defaults. */
  .topic-mini-cta{
    width:100%;display:flex;align-items:center;justify-content:space-between;gap:12px;
    margin:0 0 18px;padding:10px 14px;
    background:linear-gradient(90deg, rgba(201,169,106,.08) 0%, rgba(201,169,106,.02) 100%);
    border:1px solid rgba(201,169,106,.35);
    border-left:3px solid var(--gold);
    border-radius:3px;text-decoration:none;text-align:left;
    font-family:inherit;font-size:inherit;color:inherit;
    transition:all .2s ease;cursor:pointer;
  }
  .topic-mini-cta:hover{
    background:linear-gradient(90deg, rgba(201,169,106,.18) 0%, rgba(201,169,106,.06) 100%);
    border-color:var(--gold);
    transform:translateX(2px);
  }
  .topic-mini-cta .tmc-text{
    flex:1;min-width:0;display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;
  }
  .topic-mini-cta .tmc-q{
    font-family:'Inter',sans-serif;font-size:13px;font-weight:600;
    color:var(--navy-900);line-height:1.3;letter-spacing:.1px;
  }
  .topic-mini-cta .tmc-price{
    font-size:11px;font-weight:700;color:#a88748;
    background:#fff;padding:2px 8px;border-radius:10px;
    border:1px solid rgba(201,169,106,.4);letter-spacing:.2px;
  }
  .topic-mini-cta .tmc-arrow{
    color:var(--gold);font-size:18px;font-weight:700;
    flex-shrink:0;line-height:1;transition:transform .2s ease;
  }
  .topic-mini-cta:hover .tmc-arrow{transform:translateX(3px)}

  /* Personalisierungs-Badge: "Für Sie relevant" nach Analyse */
  .topic-recommend-badge{
    display:inline-flex;align-items:center;gap:6px;
    font-size:11px;font-weight:700;color:var(--navy-900);
    background:linear-gradient(135deg, var(--gold) 0%, var(--gold-soft) 100%);
    padding:5px 11px;border-radius:14px;margin-bottom:14px;
    letter-spacing:.3px;line-height:1.3;
    box-shadow:0 2px 8px rgba(201,169,106,.35);
    align-self:flex-start;
  }
  .topic-card-recommended{
    border-color:var(--gold-soft);
    box-shadow:0 4px 20px -8px rgba(201,169,106,.35), 0 0 0 1px rgba(201,169,106,.25);
    position:relative;
  }
  .topic-card-recommended::before{
    content:"";position:absolute;top:0;left:0;right:0;height:3px;
    background:linear-gradient(90deg, var(--gold) 0%, var(--gold-soft) 100%);
    z-index:1;
  }

  /* FAQ */
  .faq-section{margin-top:30px;margin-bottom:60px}
  .faq-list{max-width:880px;margin:0 auto}
  .faq-item{
    background:#fff;border:1px solid var(--line);border-radius:3px;
    margin-bottom:12px;overflow:hidden;transition:border-color .25s ease;
  }
  .faq-item:hover{border-color:var(--gold-soft)}
  .faq-item.open{border-color:var(--gold);box-shadow:0 4px 16px rgba(7,26,61,.06)}
  .faq-q{
    padding:24px 30px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;
    font-family:var(--font-heading);font-size:17px;color:var(--navy-900);font-weight:500;
    transition:background .2s ease;line-height:1.4;letter-spacing:-.1px;
  }
  .faq-q:hover{background:var(--paper)}
  .faq-q .plus{
    font-family:'Inter',sans-serif;font-size:26px;color:var(--gold);font-weight:300;
    flex-shrink:0;transition:transform .25s ease;line-height:1;
    width:32px;height:32px;border-radius:50%;
    display:grid;place-items:center;background:var(--paper);
  }
  .faq-item.open .faq-q .plus{transform:rotate(45deg);background:var(--gold);color:var(--navy-900)}
  .faq-a{
    max-height:0;overflow:hidden;transition:max-height .35s ease, padding .25s ease;
    padding:0 30px;color:var(--ink);font-size:14px;line-height:1.75;
  }
  .faq-item.open .faq-a{max-height:600px;padding:0 30px 26px}

  .learn-cta{
    margin-top:64px;text-align:center;padding:64px 50px;
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    color:#fff;border-radius:4px;position:relative;overflow:hidden;
  }
  .learn-cta::before{
    content:"";position:absolute;top:-40%;left:-10%;width:600px;height:600px;
    background:radial-gradient(circle,rgba(201,169,106,.15),transparent 70%);
    pointer-events:none;
  }
  .learn-cta::after{
    content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);
    width:80px;height:3px;background:var(--gold);
  }
  .learn-cta .ornament{justify-content:center;position:relative;z-index:1;color:var(--gold)}
  .learn-cta h3{
    font-family:var(--font-heading);font-size:34px;margin-bottom:14px;
    font-weight:600;position:relative;z-index:1;letter-spacing:-.4px;
  }
  .learn-cta p{
    color:#c8d2e8;margin-bottom:32px;position:relative;z-index:1;
    max-width:540px;margin-left:auto;margin-right:auto;font-size:15px;line-height:1.65;
  }
  .learn-cta .cta{position:relative;z-index:1}

  /* Contact */
  .contact-grid{
    display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
    gap:24px;max-width:1100px;margin:0 auto;
  }
  .contact-grid-two{
    grid-template-columns:repeat(auto-fit,minmax(320px,1fr));
    max-width:820px;
  }
  .contact-card-primary{
    background:linear-gradient(135deg,#fffbf0 0%,#fff 100%);
    border-color:var(--gold-soft);
  }
  .contact-card-primary::before{
    opacity:.6 !important;
  }
  .contact-card-primary .c-icon{
    background:linear-gradient(135deg,var(--gold),#a88748);
    color:#fff;
    box-shadow:0 4px 14px rgba(201,169,106,.35);
  }
  .contact-card{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:40px 32px;text-align:center;transition:all .25s ease;
    position:relative;overflow:hidden;
  }
  /* Klickbare Variante (Check24-Affiliate) */
  .contact-card-link{
    text-decoration:none;color:inherit;cursor:pointer;display:block;
  }
  .contact-card-link:hover .c-val{color:var(--gold)}
  .contact-card .c-aff-tag{
    position:absolute;top:10px;right:12px;
    font-size:9px;letter-spacing:1.4px;text-transform:uppercase;
    color:var(--muted);font-weight:600;opacity:.65;
  }
  .contact-card::before{
    content:"";position:absolute;top:0;left:0;right:0;height:2px;
    background:linear-gradient(90deg,transparent,var(--gold),transparent);
    opacity:0;transition:opacity .3s ease;
  }
  .contact-card:hover{
    transform:translateY(-4px);box-shadow:0 24px 50px -20px rgba(7,26,61,.25);
    border-color:var(--gold-soft);
  }
  .contact-card:hover::before{opacity:1}
  .contact-card .c-icon{
    width:64px;height:64px;border-radius:50%;
    background:linear-gradient(135deg,var(--navy-700),var(--navy-950));color:var(--gold);
    display:grid;place-items:center;margin:0 auto 20px;font-size:26px;
    box-shadow:0 6px 18px rgba(7,26,61,.2), inset 0 1px 0 rgba(255,255,255,.08);
  }
  .contact-card h3{
    font-family:var(--font-heading);font-size:22px;color:var(--navy-900);
    margin-bottom:8px;font-weight:600;letter-spacing:-.2px;
  }
  .contact-card p{color:var(--muted);font-size:13px;margin-bottom:18px;line-height:1.55}
  .contact-card .c-val{
    font-family:var(--font-heading);font-size:22px;color:var(--navy-800);
    font-weight:700;margin-bottom:10px;letter-spacing:-.3px;
  }
  .contact-card .c-sub{font-size:11px;color:var(--muted);letter-spacing:1px;font-weight:600;text-transform:uppercase}

  /* ============= ÜBER UNS – Disclaimer & Partner-Hinweis ============= */
  .about-disclaimer{
    max-width:880px;margin:40px auto 0;padding:22px 28px;
    background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--gold);
    border-radius:4px;font-size:13.5px;line-height:1.65;color:var(--muted);
  }
  .about-disclaimer strong{color:var(--navy-900);font-weight:700}

  .about-partner{
    max-width:880px;margin:32px auto 0;padding:24px 28px;text-align:center;
    background:linear-gradient(180deg, #fff, var(--paper));
    border:1px solid var(--line);border-radius:4px;position:relative;
  }
  .about-partner-label{
    font-family:var(--font-heading);font-size:11px;letter-spacing:3px;
    text-transform:uppercase;color:var(--gold);margin-bottom:10px;font-weight:600;
  }
  .about-partner-link{
    display:inline-block;font-family:var(--font-heading);font-size:18px;
    color:var(--navy-900);text-decoration:none;font-weight:600;
    padding:6px 0;border-bottom:1px solid transparent;transition:all .15s ease;
  }
  .about-partner-link:hover{color:var(--gold);border-bottom-color:var(--gold)}
  .about-partner-tag{
    margin-top:10px;font-size:11px;letter-spacing:1px;
    color:var(--muted);font-weight:600;text-transform:uppercase;
  }

  /* ============= TARIFE-SEITE (3-Schichten-Modell) ============= */
  .tarife-section{padding-top:40px;padding-bottom:40px}
  .tarife-section + .tarife-section{padding-top:10px}

  .tarife-layer-head{
    max-width:880px;margin:0 auto 28px;text-align:center;
  }
  .tarife-layer-num{
    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:8px;padding:4px 14px;
    border:1px solid var(--gold);border-radius:2px;background:rgba(201,169,106,.06);
  }
  .tarife-layer-title{
    font-family:var(--font-heading);font-size:30px;color:var(--navy-900);
    margin:6px 0 10px;font-weight:600;letter-spacing:-.4px;
  }
  .tarife-layer-desc{
    color:var(--muted);font-size:14.5px;line-height:1.6;max-width:680px;margin:0 auto;
  }

  .tarife-grid{
    display:grid;grid-template-columns:repeat(2,1fr);gap:24px;
    max-width:1100px;margin:0 auto;
  }
  .tarife-grid-3col{
    grid-template-columns:repeat(3,1fr);
  }
  .tarife-layer-num-ext{
    color:var(--navy-700);border-color:var(--navy-700);
    background:rgba(20,59,133,.05);
  }

  .tarife-card{
    background:#fff;border:1px solid var(--line);border-radius:6px;
    padding:28px 28px 22px;display:flex;flex-direction:column;
    transition:border-color .15s ease, transform .15s ease, box-shadow .15s ease;
    position:relative;
  }
  .tarife-card:hover{
    border-color:var(--gold);transform:translateY(-2px);
    box-shadow:0 8px 24px rgba(7,26,61,.06);
  }

  .tarife-card-head{
    display:flex;gap:14px;align-items:center;margin-bottom:14px;
    padding-bottom:14px;border-bottom:1px solid var(--line);
  }
  .tarife-icon{
    width:46px;height:46px;flex-shrink:0;border-radius:50%;
    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;
  }
  .tarife-card h3{
    font-family:var(--font-heading);font-size:20px;color:var(--navy-900);
    margin:0 0 2px;font-weight:600;letter-spacing:-.3px;
  }
  .tarife-subline{
    font-size:11.5px;color:var(--muted);letter-spacing:.5px;
  }

  .tarife-lead{
    color:var(--navy-900);font-size:14px;line-height:1.6;margin:0 0 16px;
  }

  .tarife-meta{
    background:var(--paper);border-left:3px solid var(--gold);
    padding:12px 14px;margin:0 0 16px;border-radius:0 3px 3px 0;
  }
  .tarife-meta-row{
    display:flex;flex-direction:column;gap:2px;padding:6px 0;
    border-bottom:1px dashed rgba(0,0,0,.08);
  }
  .tarife-meta-row:last-child{border-bottom:none}
  .tarife-meta-row > span{
    font-size:10.5px;letter-spacing:1.2px;text-transform:uppercase;
    color:var(--muted);font-weight:600;
  }
  .tarife-meta-row > strong{
    font-size:13px;color:var(--navy-900);font-weight:500;line-height:1.45;
  }

  .tarife-pro, .tarife-con{
    list-style:none;padding:0;margin:0 0 12px;font-size:13px;line-height:1.55;
  }
  .tarife-pro li, .tarife-con li{
    position:relative;padding:4px 0 4px 22px;color:var(--navy-900);
  }
  .tarife-pro li::before{
    content:"✓";position:absolute;left:0;top:4px;
    color:#2f8a4f;font-weight:700;font-size:14px;
  }
  .tarife-con li::before{
    content:"–";position:absolute;left:2px;top:3px;
    color:#b35a3a;font-weight:700;font-size:16px;
  }

  .tarife-cta{
    display:block;margin-top:auto;text-align:center;
    background:var(--gold);color:var(--navy-900);
    padding:13px 18px;border-radius:3px;text-decoration:none;
    font-family:var(--font-heading);font-size:14.5px;font-weight:600;
    letter-spacing:.2px;transition:all .15s ease;
    border:1px solid var(--gold);
  }
  .tarife-cta:hover{
    background:var(--navy-900);color:var(--gold);border-color:var(--navy-900);
  }
  .tarife-cta-neutral{
    background:transparent;color:var(--navy-900);border:1px solid var(--navy-800);
  }
  .tarife-cta-neutral:hover{
    background:var(--navy-900);color:#fff;border-color:var(--navy-900);
  }

  .tarife-tag{
    text-align:center;margin-top:10px;font-size:10.5px;
    letter-spacing:1px;color:var(--muted);
    font-weight:600;text-transform:uppercase;
  }

  /* ----- Kompakte Mini-Karten (Sach- & Zusatz-Versicherungen) ----- */
  .tarife-mini-grid{
    display:grid;grid-template-columns:repeat(3,1fr);gap:18px;
    max-width:1100px;margin:0 auto;
  }
  .tarife-mini-card{
    background:#fff;border:1px solid var(--line);border-radius:6px;
    padding:20px 20px 16px;display:flex;flex-direction:column;
    transition:border-color .15s ease, transform .15s ease, box-shadow .15s ease;
  }
  .tarife-mini-card:hover{
    border-color:var(--gold);transform:translateY(-2px);
    box-shadow:0 6px 18px rgba(7,26,61,.06);
  }
  .tmc-head{
    display:flex;gap:12px;align-items:center;margin-bottom:10px;
    padding-bottom:10px;border-bottom:1px solid var(--line);
  }
  .tmc-icon{
    width:36px;height:36px;flex-shrink:0;border-radius:50%;
    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:17px;font-weight:700;
  }
  .tarife-mini-card h4{
    font-family:var(--font-heading);font-size:16px;color:var(--navy-900);
    margin:0 0 2px;font-weight:600;letter-spacing:-.2px;line-height:1.2;
  }
  .tmc-sub{
    font-size:10.5px;color:var(--muted);letter-spacing:.4px;
  }
  .tmc-lead{
    color:var(--navy-900);font-size:13px;line-height:1.55;margin:0 0 14px;
    flex:1;
  }
  .tarife-cta-mini{
    padding:10px 14px;font-size:13px;
  }

  /* Marktdaten */
  .tarife-market{
    max-width:1100px;margin:0 auto;
    background:linear-gradient(180deg,var(--navy-950),var(--navy-800));
    color:#fff;border-radius:6px;padding:40px 40px 36px;
  }
  .tarife-market-head{text-align:center;margin-bottom:28px}
  .tarife-market-head .ornament{color:var(--gold);justify-content:center}
  .tarife-market-head h3{
    font-family:var(--font-heading);font-size:26px;color:#fff;
    margin:8px 0 6px;font-weight:600;letter-spacing:-.3px;
  }
  .tarife-market-head p{color:var(--gold-soft);font-size:13px;margin:0}

  .tarife-market-grid{
    display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
  }
  .tarife-market-item{
    text-align:center;padding:16px 8px;
    border:1px solid rgba(255,255,255,.08);border-radius:4px;
    background:rgba(255,255,255,.03);
  }
  .tmi-val{
    font-family:var(--font-heading);font-size:30px;color:var(--gold);
    font-weight:700;letter-spacing:-.5px;margin-bottom:6px;
  }
  .tmi-lbl{
    font-size:12.5px;color:#fff;line-height:1.4;margin-bottom:8px;font-weight:500;
  }
  .tmi-src{
    font-size:10.5px;color:rgba(230,212,168,.7);line-height:1.4;font-style:italic;
  }

  @media (max-width: 900px){
    .tarife-grid{grid-template-columns:1fr}
    .tarife-grid-3col{grid-template-columns:1fr}
    .tarife-mini-grid{grid-template-columns:repeat(2,1fr)}
    .tarife-market-grid{grid-template-columns:repeat(2,1fr)}
    .tarife-market{padding:32px 24px}
    .tarife-layer-title{font-size:24px}
  }
  @media (max-width: 520px){
    .tarife-market-grid{grid-template-columns:1fr}
    .tarife-mini-grid{grid-template-columns:1fr}
    .tarife-card{padding:22px 20px 18px}
  }

  /* ============= STATS-SECTION (Landing-Page) ============= */
  .stats-section{
    padding:90px 48px 100px;
    background:linear-gradient(180deg, var(--paper) 0%, #fff 100%);
    position:relative;border-top:1px solid var(--line);
  }
  .stats-section::before{
    content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);
    width:80px;height:3px;background:var(--gold);
  }
  .stats-inner{max-width:1200px;margin:0 auto}

  .stats-head{text-align:center;max-width:780px;margin:0 auto 60px}
  .stats-head h2{
    font-family:var(--font-heading);font-size:46px;font-weight:600;
    color:var(--navy-900);line-height:1.15;letter-spacing:-.5px;
    margin:18px 0 22px;
  }
  .stats-head h2 em{color:var(--danger);font-style:italic;font-weight:500}
  .stats-head p{font-size:15.5px;color:var(--ink);line-height:1.7;max-width:680px;margin:0 auto}

  /* Big Stats Hero Row */
  .big-stats{
    display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
    margin-bottom:80px;
  }
  .big-stat{
    background:#fff;border:1px solid var(--line);border-radius:4px;
    padding:36px 28px 32px;text-align:center;position:relative;overflow:hidden;
    transition:all .3s ease;
    opacity:0;transform:translateY(20px);
    animation:fadeInUp .7s ease forwards;
  }
  .big-stat:nth-child(1){animation-delay:.05s}
  .big-stat:nth-child(2){animation-delay:.15s}
  .big-stat:nth-child(3){animation-delay:.25s}
  .big-stat:nth-child(4){animation-delay:.35s}
  @keyframes fadeInUp{
    to{opacity:1;transform:translateY(0)}
  }
  .big-stat::before{
    content:"";position:absolute;top:0;left:0;right:0;height:3px;
    background:var(--gold);
  }
  .big-stat.warn::before{background:linear-gradient(90deg,#e6a86b,#b8742b)}
  .big-stat.danger::before{background:linear-gradient(90deg,var(--danger),#8b1f33)}
  .big-stat:hover{
    transform:translateY(-4px);box-shadow:0 20px 50px -20px rgba(7,26,61,.25);
    border-color:var(--gold-soft);
  }
  .bs-value{
    font-family:var(--font-heading);font-size:62px;line-height:1;
    color:var(--navy-900);font-weight:700;letter-spacing:-2px;
    display:inline-block;
    white-space:nowrap;
  }
  /* Bei sehr großen Zahlen (Millionen) kleinere Schrift */
  .bs-value.long-number{font-size:42px;letter-spacing:-1.5px}
  .big-stat.warn .bs-value{color:#b8742b}
  .big-stat.danger .bs-value{color:var(--danger)}
  .bs-unit{
    font-family:var(--font-heading);font-size:32px;color:var(--gold);
    font-weight:600;margin-left:4px;line-height:1;display:inline-block;vertical-align:top;margin-top:8px;
  }
  .big-stat.warn .bs-unit{color:#b8742b}
  .big-stat.danger .bs-unit{color:var(--danger)}
  .bs-label{
    font-size:11px;letter-spacing:2.2px;text-transform:uppercase;
    font-weight:700;color:var(--muted);margin:14px 0 14px;
  }
  .bs-desc{
    font-size:13px;line-height:1.6;color:var(--ink);
  }

  /* Detail-Stats Grid */
  .detail-stats{
    display:grid;grid-template-columns:repeat(3,1fr);gap:20px;
    margin-bottom:80px;
  }
  .detail-stat-card{
    background:#fff;border:1px solid var(--line);border-radius:3px;
    padding:24px 26px;display:flex;align-items:flex-start;gap:18px;
    transition:all .25s ease;
  }
  .detail-stat-card:hover{
    border-color:var(--gold-soft);box-shadow:0 8px 24px rgba(7,26,61,.06);
  }
  .dsc-icon{
    width:42px;height:42px;border-radius:50%;flex-shrink:0;
    background:linear-gradient(135deg,var(--navy-800),var(--navy-950));
    color:var(--gold);display:grid;place-items:center;font-size:20px;font-weight:600;
    font-family:var(--font-heading);
    box-shadow:0 3px 10px rgba(7,26,61,.15), inset 0 1px 0 rgba(255,255,255,.1);
  }
  .dsc-content{flex:1;min-width:0}
  .dsc-headline{
    font-family:var(--font-heading);font-size:17px;color:var(--navy-900);
    font-weight:600;margin-bottom:8px;letter-spacing:-.2px;
  }
  .dsc-text{font-size:13.5px;line-height:1.6;color:var(--ink)}
  .dsc-text strong{color:var(--navy-900);font-weight:700}

  /* Generation Compare Timeline */
  .generation-compare{
    background:linear-gradient(135deg,var(--navy-950),var(--navy-800));
    color:#fff;border-radius:4px;padding:54px 50px 48px;
    margin-bottom:54px;position:relative;overflow:hidden;
  }
  .generation-compare::before{
    content:"";position:absolute;top:-30%;right:-15%;width:520px;height:520px;
    background:radial-gradient(circle,rgba(201,169,106,.15),transparent 70%);
    pointer-events:none;
  }
  .gc-head{text-align:center;margin-bottom:42px;position:relative;z-index:1}
  .gc-head .ornament{color:var(--gold)}
  .gc-head h3{
    font-family:var(--font-heading);font-size:30px;font-weight:600;
    color:#fff;margin-top:10px;letter-spacing:-.3px;
  }
  .gc-timeline{
    display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:0;align-items:center;
    position:relative;z-index:1;max-width:1000px;margin:0 auto;
  }
  .gc-point{text-align:center;padding:0 14px}
  .gc-year{
    font-family:'Inter',sans-serif;font-size:11px;letter-spacing:2.5px;text-transform:uppercase;
    color:rgba(255,255,255,.5);font-weight:700;margin-bottom:14px;
  }
  .gc-point.past .gc-year{color:rgba(255,255,255,.55)}
  .gc-point.present .gc-year{color:var(--gold-soft)}
  .gc-point.future .gc-year{color:rgba(231,176,109,.6)}
  .gc-value{
    font-family:var(--font-heading);font-size:66px;line-height:1;
    font-weight:700;letter-spacing:-2.5px;margin-bottom:6px;
  }
  .gc-point.past .gc-value{color:rgba(255,255,255,.75)}
  .gc-point.present .gc-value{color:var(--gold-soft);position:relative}
  .gc-point.present .gc-value::after{
    content:"";position:absolute;bottom:-10px;left:50%;transform:translateX(-50%);
    width:32px;height:2px;background:var(--gold);
  }
  .gc-point.future .gc-value{color:#cf8b3f}
  .gc-label{
    font-size:11px;letter-spacing:2px;text-transform:uppercase;font-weight:600;
    color:rgba(255,255,255,.6);margin:14px 0 10px;
  }
  .gc-context{
    font-size:12.5px;line-height:1.6;color:#bfc7d9;max-width:240px;margin:0 auto;
  }
  .gc-connector{
    width:60px;height:1px;background:rgba(201,169,106,.4);
    position:relative;
  }
  .gc-connector::after{
    content:"→";position:absolute;right:-10px;top:50%;transform:translateY(-50%);
    color:var(--gold);font-size:14px;
  }

  /* Sources */
  .stats-sources{
    font-size:11px;line-height:1.65;color:var(--muted);
    text-align:center;max-width:880px;margin:0 auto 60px;
    padding:14px 20px;background:var(--paper);border-radius:3px;
    border:1px solid var(--line);font-style:italic;
  }
  .stats-sources strong{color:var(--navy-800);font-weight:700;font-style:normal}

  /* Stats-CTA */
  .stats-cta-wrap{
    text-align:center;padding:50px 30px;
    background:linear-gradient(135deg, var(--cream), #fff);
    border:1px solid var(--gold-soft);border-radius:4px;
    position:relative;overflow:hidden;
  }
  .stats-cta-wrap::before{
    content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);
    width:100px;height:3px;background:var(--gold);
  }
  .stats-cta-headline{
    font-family:var(--font-heading);font-size:34px;color:var(--navy-900);
    font-weight:600;letter-spacing:-.4px;margin-bottom:14px;line-height:1.2;
  }
  .stats-cta-headline em{color:var(--gold);font-style:italic;font-weight:500}
  .stats-cta-sub{
    color:var(--muted);font-size:15px;line-height:1.6;
    max-width:540px;margin:0 auto 30px;
  }
  .stats-cta-btn{font-size:14px !important;padding:20px 38px !important}

  @media (max-width:900px){
    .stats-section{padding:60px 24px 70px}
    .stats-head h2{font-size:32px}
    .big-stats{grid-template-columns:repeat(2,1fr);gap:14px}
    .bs-value{font-size:48px}
    .bs-unit{font-size:24px}
    .detail-stats{grid-template-columns:1fr;gap:14px}
    .generation-compare{padding:36px 24px}
    .gc-timeline{grid-template-columns:1fr;gap:20px}
    .gc-connector{display:none}
    .gc-value{font-size:50px}
    .stats-cta-headline{font-size:24px}
  }

  @media (max-width:900px){
    .hero{padding:50px 24px 70px}.hero-inner{grid-template-columns:1fr;gap:40px}.hero h1{font-size:42px}
    section.panel{padding:50px 20px}.q-body{padding:36px 28px}.q-nav{padding:24px 28px}
    .section-head h2{font-size:32px}.gap-hero{grid-template-columns:1fr;padding:36px}.gap-hero h2{font-size:28px}
    .product-pillars{grid-template-columns:1fr}.gauge-row{grid-template-columns:1fr}
    .topbar{padding:14px 20px}.topbar nav{display:flex}.topbar nav span{display:none}
    .q-combo{grid-template-columns:1fr;gap:32px}
    .mode-picker{grid-template-columns:1fr;gap:18px}
    .mode-card{padding:28px 24px 24px}
    .mode-card h3{font-size:24px}
    .q-mode-indicator{padding:10px 24px;flex-direction:column;gap:8px;align-items:flex-start}
    .learn-hero{padding:60px 24px 50px}.learn-hero h1{font-size:38px}
    .topic-key-facts{grid-template-columns:1fr}
    .learn-cta{padding:40px 24px}.learn-cta h3{font-size:24px}
    .budget-banner{grid-template-columns:1fr;gap:16px;padding:20px}
    .bb-col.right{text-align:left}
    .bb-arrow{display:none}
    .product-controls{flex-wrap:wrap}
    /* Header bricht auf schmalen Screens um: Icon+Meta in Zeile 1, Beitrag in Zeile 2 (linksbündig) */
    .product-row .p-row-header{
      grid-template-columns:auto 1fr;
    }
    .p-contrib-inline{
      grid-column:1 / -1;justify-self:flex-end;margin-top:4px;
    }
    .p-contrib-input{font-size:22px;width:80px}
    .p-result-val{font-size:22px}
    .affiliate-compare-btn{
      padding:12px 16px;
      max-width:100%;justify-self:stretch;
    }
    .affiliate-compare-btn .acb-main{font-size:12.5px}
    .affiliate-compare-btn .acb-sub{font-size:10.5px}
    .affiliate-compare-btn .acb-tag{right:10px;font-size:8px}
    .modal-head{padding:22px 24px 18px}.modal-body{padding:22px 24px}.modal-foot{padding:16px 24px}
    .final-cta-actions{flex-direction:column;gap:12px}
    .final-cta-actions .cta,.final-cta-actions .cta-secondary{width:100%;justify-content:center}
    .growth-meta{grid-template-columns:repeat(2,1fr)}
    .info-facts{grid-template-columns:1fr}
    .etf-grid{grid-template-columns:1fr}
    .p-actions{position:absolute;top:8px;right:8px}
    .p-action-btn{width:24px;height:24px}
    .gcs-head{flex-direction:column;gap:10px}
    .gcs-value-wrap{align-self:stretch;justify-content:flex-end}
    .growth-payout-info{flex-direction:column;text-align:center}
    .eps-row{grid-template-columns:1fr;gap:14px}
    .etf-available{grid-template-columns:1fr}
    .etf-sel-head{grid-template-columns:1fr auto;grid-template-rows:auto auto}
    .etf-sel-info{grid-column:1 / -1}
    .etf-sel-weight{grid-column:1;grid-row:2}
    .etf-sel-remove{grid-column:2;grid-row:2;justify-self:end}
  }