:root { --navy:#0f1e3d; --navy2:#12356e; --link:#1b4b8f; --text:#1a2233; --muted:#5a6478; --border:#dde3ec; --bg:#f7f9fc; --card:#ffffff; }
* { box-sizing: border-box; }
body { margin:0; font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; color:var(--text); background:var(--bg); line-height:1.65; }
a { color:var(--link); }
.wrap { max-width: 760px; margin: 0 auto; padding: 0 20px; }
header.top { background:var(--navy); color:#fff; padding:14px 0; }
header.top .wrap { display:flex; justify-content:space-between; align-items:center; gap:12px; flex-wrap:wrap; }
header.top a { color:#fff; text-decoration:none; font-weight:700; }
header.top .cta { background:#fff; color:var(--navy); padding:8px 14px; border-radius:8px; font-weight:700; font-size:.9rem; }
main { background:var(--card); margin:22px auto; border:1px solid var(--border); border-radius:14px; }
main .wrap { padding: 28px 24px 8px; }
.crumb { font-size:.85rem; color:var(--muted); margin-bottom:10px; }
.crumb a { color:var(--muted); }
h1 { color:var(--navy); font-size: 1.7rem; line-height:1.25; margin:.2em 0 .4em; }
h2 { color:var(--navy); font-size: 1.25rem; margin-top: 1.6em; }
h3 { font-size: 1.05rem; margin-top: 1.2em; }
.lead { font-size: 1.08rem; color:#33405a; }
.box { background:var(--bg); border:1px solid var(--border); border-radius:10px; padding:14px 16px; margin:18px 0; }
.cta-block { text-align:center; margin: 26px 0 10px; }
.btn { display:inline-block; background:var(--navy2); color:#fff; text-decoration:none; padding:14px 26px; border-radius:10px; font-weight:700; font-size:1.05rem; }
.btn:hover { background:#0f2c5c; }
.muted { color:var(--muted); font-size:.9rem; }
ul { padding-left: 1.2em; }
li { margin: .3em 0; }
table { width:100%; border-collapse: collapse; margin: 14px 0; font-size:.94rem; }
th, td { text-align:left; padding:8px 10px; border-bottom:1px solid var(--border); vertical-align:top; }
th { color:var(--navy); }
details { border:1px solid var(--border); border-radius:10px; padding: 4px 14px; margin: 10px 0; background:#fff; }
summary { font-weight:700; cursor:pointer; padding: 8px 0; color:var(--navy); }
details p { margin:.4em 0 12px; }
.ratgeber-nav { margin: 24px 0 6px; padding:16px; background:var(--bg); border:1px solid var(--border); border-radius:10px; }
.ratgeber-nav b { color:var(--navy); }
.ratgeber-nav ul { margin:.5em 0 0; }
footer { color:var(--muted); font-size:.85rem; padding: 8px 0 40px; }
footer a { color:var(--muted); }
.disclaimer { border-left:3px solid var(--border); padding-left:14px; }