/* Private website v1.0.0. Roles/colours derive from source design-tokens v4.0.0. */
html{font-size:100%;scroll-behavior:smooth}body{margin:0;font-size:var(--web-body,1.125rem)}
a{color:var(--color-primary);text-underline-offset:.22em;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}button,a,input,select{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:wait;opacity:.65}
img{max-width:100%;display:block}h1,h2,h3,p,blockquote{margin-top:0}h1,h2,h3{font-weight:600;letter-spacing:-.025em;line-height:var(--heading-line-height)}h1{font-size:var(--web-h1-mobile,2rem);margin-bottom:var(--space-24)}h2{font-size:var(--web-h2-mobile,1.75rem);margin-bottom:var(--space-24)}h3{font-size:var(--web-h3-mobile,1.375rem);margin-bottom:var(--space-8)}p{margin-bottom:var(--space-16)}ul,ol{padding-left:1.4em}li{margin-bottom:.5em}fieldset{padding:0;border:0;min-width:0}legend{font-weight:600;font-size:var(--web-h3-mobile,1.375rem);margin-bottom:var(--space-24)}input,select{max-width:100%;min-width:0;color:var(--color-text)}input[type=text],input[type=email],input[type=search],select{width:100%;min-height:52px;border:1px solid var(--color-border);border-radius:var(--radius-small);background:var(--color-surface);padding:12px 14px;font-size:1.125rem}input[type=checkbox]{width:24px;height:24px;min-width:24px;accent-color:var(--color-primary)}
.wrap{width:min(calc(100% - 2*var(--mobile-gutter)),var(--max-page));margin-inline:auto}.reading{max-width:var(--max-reading)}.eyebrow{font-size:var(--web-helper,.875rem);font-weight:600;letter-spacing:.055em;line-height:1.5;color:var(--color-primary);margin-bottom:var(--space-16)}.lead{font-size:1.25rem;line-height:1.6;max-width:640px}.small,.quiet,.field-hint,.form-context{font-size:var(--web-helper,.875rem);line-height:1.6;color:var(--color-muted-text)}.small{margin-bottom:0}.quiet{margin-top:var(--space-12)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:var(--button-min-height);padding:12px 20px;border:1px solid var(--color-primary);border-radius:var(--radius-small);background:var(--color-primary);color:var(--color-surface);font-weight:600;line-height:1.4;text-decoration:none;font-size:1rem}.button:hover{background:var(--color-text);text-decoration:none}.text-link{font-weight:600;display:inline-block;margin-top:var(--space-8)}.plain-button{border:0;background:transparent;color:var(--color-primary);font-size:var(--web-helper,.875rem);text-decoration:underline;padding:8px 0}.skip{position:fixed;top:8px;left:8px;z-index:100;padding:16px;background:white;transform:translateY(-180%)}.skip:focus{transform:translateY(0)}
.private-bar{background:var(--color-text);color:var(--color-surface);font-size:var(--web-helper,.875rem);padding:8px 0}.private-bar span{margin-left:16px;opacity:.9}.site-header{background:var(--color-surface);border-bottom:1px solid var(--color-border)}.header-row{display:flex;align-items:center;flex-wrap:wrap;gap:24px;padding-block:24px}.brand{flex:0 1 310px}.brand img{width:100%;height:auto}.header-row nav{display:flex;gap:24px;margin-left:auto}.header-row nav a{color:var(--color-text);font-size:1rem;text-decoration:none;padding:8px 0;white-space:nowrap}.header-row nav a[aria-current]{color:var(--color-primary);box-shadow:0 2px 0 var(--color-primary)}.header-small{display:flex;gap:16px;font-size:var(--web-helper,.875rem)}.header-small a{color:var(--color-muted-text)}.menu-button{display:none;background:transparent;border:1px solid var(--color-border);border-radius:var(--radius-small);padding:8px 12px;font-size:1rem;min-height:44px}
.home-intro{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.85fr);gap:var(--space-64);padding-block:var(--space-64)}.home-statement h1{max-width:680px}.home-statement .lead{max-width:660px}.first-step{border-left:3px solid var(--color-accent);padding:32px;background:var(--color-surface);align-self:start}.first-step h2{font-size:var(--web-h3-desktop,1.625rem)}.price-note{display:flex;flex-direction:column;margin:24px 0 16px}.price-note .big-number{font-size:3rem;font-weight:600;letter-spacing:-.04em;line-height:1.1;font-variant-numeric:tabular-nums}.big-number small{font-size:1.5rem;font-weight:400}.price-note>span:last-child{font-size:var(--web-helper,.875rem);margin-top:8px;color:var(--color-muted-text)}.calculation-line{border-top:1px solid var(--color-border);padding-top:16px;font-size:1rem}.section-block{padding-block:48px;border-top:1px solid var(--color-border)}.section-heading{max-width:720px}.situation-list>a{display:grid;grid-template-columns:44px 1fr auto;gap:24px;align-items:center;padding:24px 0;border-top:1px solid var(--color-border);text-decoration:none;color:var(--color-text)}.situation-list>a:last-child{border-bottom:1px solid var(--color-border)}.situation-list h2,.situation-list h3{color:var(--color-primary);margin:0 0 8px}.situation-list p{margin:0;color:var(--color-muted-text);max-width:720px;font-size:1rem}.row-number{color:var(--color-muted-text);font-variant-numeric:tabular-nums;font-size:var(--web-helper,.875rem)}.row-note{color:var(--color-primary);font-size:var(--web-helper,.875rem);white-space:nowrap;text-decoration:underline;text-underline-offset:.22em}.situation-list>a:hover h3,.situation-list>a:hover h2{text-decoration:underline;text-underline-offset:.15em}.editorial-section{display:grid;grid-template-columns:1fr 1fr;gap:64px}.editorial-section>div{max-width:540px}.document-excerpt{margin:0;align-self:center;border:1px solid var(--color-border);background:var(--color-surface);padding:32px;border-radius:var(--radius-small)}.document-excerpt>p:not(.eyebrow){font-size:1.5rem;line-height:1.5}.document-excerpt footer{font-size:var(--web-helper,.875rem);color:var(--color-muted-text)}.promise{display:grid;grid-template-columns:1fr 1fr;gap:64px;margin-bottom:32px}.promise>div:last-child{max-width:560px}
.page-intro{padding-block:48px 32px}.reading-list{padding-bottom:64px}.reading-list-item{padding:32px 0;border-top:1px solid var(--color-border)}.reading-list-item h2{margin-bottom:16px}.reading-list-item h2 a{text-decoration:none}.reading-list-item h2 a:hover{text-decoration:underline}.article-meta{font-size:var(--web-helper,.875rem);color:var(--color-muted-text);margin-bottom:0}.article-body{padding-bottom:64px}.article-body>section,.article-section{margin-top:32px}.article-body h2{font-size:var(--web-h3-desktop,1.625rem);margin-bottom:16px}.article-body li{padding-left:4px}.next-task{margin-top:32px;padding:24px 0;border-top:1px solid var(--color-border)}.next-task h2{font-size:var(--web-h3-mobile,1.375rem)}.next-task .button{margin-right:12px;margin-bottom:12px}.source-note{margin-top:32px;padding-top:24px;border-top:1px solid var(--color-border)}.source-note h2{font-size:1.125rem}.source-note ul{list-style:none;padding:0}.source-note li{font-size:var(--web-helper,.875rem);margin-bottom:16px}.source-note p{font-size:var(--web-helper,.875rem);color:var(--color-muted-text)}.operator-list>div{padding-block:16px;border-top:1px solid var(--color-border)}.operator-list dt{font-weight:600}.operator-list dd{margin:8px 0 0}
.calculator-intro{max-width:var(--max-page)}.calculator-intro h1{max-width:850px}.calc-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);gap:48px;align-items:start;padding-bottom:48px}.calc-form{background:var(--color-surface);padding:32px;border:1px solid var(--color-border);border-radius:var(--radius-large)}.field{margin-bottom:24px}.field>label{font-weight:600;display:block;margin-bottom:8px}.input-unit{position:relative}.input-unit input{padding-right:40px;font-variant-numeric:tabular-nums}.input-unit>span{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--color-muted-text)}.field-hint{margin:8px 0 0}.field-error{margin:8px 0 0;font-size:var(--web-helper,.875rem);color:var(--color-error)}.field-error:empty{display:none}.field [aria-invalid=true]{border:2px solid var(--color-error)}.error-summary{border-left:3px solid var(--color-error);padding:16px;background:var(--color-background);color:var(--color-error);margin-top:24px}.calc-result{padding:32px;background:var(--color-background);border-top:4px solid var(--color-primary);position:sticky;top:24px;min-height:230px}.result-number{font-size:2.5rem;font-weight:600;line-height:1.2;font-variant-numeric:tabular-nums;margin-bottom:12px;word-break:normal;overflow-wrap:anywhere}.result-caption{color:var(--color-muted-text);font-size:1rem}.result-equation{padding-top:16px;margin-top:24px;border-top:1px solid var(--color-border);font-size:1rem}.result-pair{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:16px 0;border-bottom:1px solid var(--color-border)}.result-pair strong{font-size:1.75rem;font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}.result-difference{margin-top:24px}.alternative-inputs{display:grid;grid-template-columns:1fr 1fr;gap:24px}.scenario-inputs{padding-top:24px;margin-top:8px;border-top:1px solid var(--color-border)}.assumptions{border-left:3px solid var(--color-warning);padding:20px 24px;margin-bottom:32px;background:var(--color-surface)}.assumptions p{margin:8px 0 0;font-size:1rem}.after-tool{padding-bottom:64px}.after-tool h2{font-size:var(--web-h3-desktop,1.625rem)}
.checklist{padding-bottom:64px}.checklist-progress{display:flex;align-items:center;gap:24px;justify-content:space-between;border-block:1px solid var(--color-border);padding-block:12px;margin-bottom:16px}.checklist-progress p{margin:0;font-weight:600;font-size:1rem}.task-list{padding:0;list-style:none;margin:32px 0}.task{padding:24px 0;border-top:1px solid var(--color-border)}.task-title{display:flex;align-items:flex-start;gap:16px}.task-title input{margin-top:6px}.task-title label{font-weight:600;font-size:1.25rem;cursor:pointer}.task-detail{margin-left:40px;margin-top:12px}.task-detail p{font-size:1rem}.task-detail dl{margin:16px 0 0;font-size:var(--web-helper,.875rem)}.task-detail dl>div{margin-bottom:12px}.task-detail dt{font-weight:600}.task-detail dd{margin:4px 0 0;color:var(--color-muted-text)}.task.is-done .task-title label{text-decoration:line-through;color:var(--color-muted-text)}.note{border-left:3px solid var(--color-accent);padding:20px 24px;background:var(--color-surface);margin-bottom:24px}.note p{margin:8px 0 0}.signup{padding-bottom:64px}.signup form{margin-top:32px;padding:24px;border:1px solid var(--color-border);background:var(--color-surface);border-radius:var(--radius-small)}.newsletter-preview{padding-bottom:32px;margin-bottom:32px;border-bottom:1px solid var(--color-border)}.newsletter-preview h2{font-size:var(--web-h3-desktop,1.625rem)}.consent{display:flex;align-items:flex-start;gap:12px;margin-bottom:24px;font-size:1rem}.consent input{margin-top:3px}.honeypot{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}.signup .small{margin-top:16px}#newsletter-message:not(:empty){margin-top:24px;padding:16px;border-left:3px solid var(--color-information);background:var(--color-background);font-size:1rem}#newsletter-message.is-error{border-color:var(--color-error);color:var(--color-error)}.action-page{padding-bottom:64px}.outbox-message{margin-top:24px;padding:24px;border-top:1px solid var(--color-border);background:var(--color-surface)}.outbox-message h2{font-size:1.25rem}.outbox-message pre{white-space:pre-wrap;overflow-wrap:anywhere;font-family:inherit;font-size:1rem}.outbox-message a{overflow-wrap:anywhere}#search-results{padding-bottom:64px;margin-top:32px}.search-result{padding:24px 0;border-top:1px solid var(--color-border)}.search-result h2{font-size:1.25rem;margin:0}
.site-footer{padding-top:48px;background:var(--color-primary);color:var(--color-surface)}.site-footer a{color:var(--color-surface)}.footer-top{display:grid;grid-template-columns:1fr 1fr;gap:64px;padding-bottom:32px}.footer-brand{font-size:1.375rem;font-weight:600;text-decoration:none}.footer-top>div>p{margin-top:16px;font-size:1rem;max-width:490px}.footer-top h2{font-size:1.375rem}.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:24px;border-top:1px solid rgba(255,255,255,.4);padding-block:24px;font-size:var(--web-helper,.875rem)}.footer-bottom nav{display:flex;gap:24px;flex-wrap:wrap}
@media(min-width:768px){h1{font-size:var(--web-h1-desktop,3rem)}h2{font-size:var(--web-h2-desktop,2.25rem)}h3{font-size:var(--web-h3-desktop,1.625rem)}}
@media(max-width:1100px){.brand{flex-basis:270px}.header-row{gap:16px}.header-row nav{gap:16px}.header-small{width:100%;justify-content:flex-end;margin-top:-8px}.home-intro{gap:32px}.first-step{padding:24px}.editorial-section,.promise{gap:32px}.calc-layout{gap:32px}}
@media(max-width:767px){.private-bar span{display:block;margin-left:0;font-size:.875rem}.header-row{padding-block:16px;gap:16px}.brand{flex:1 1 0;max-width:300px;min-width:0}.menu-button{display:block}.header-row nav{display:none;width:100%;margin-left:0;flex-direction:column;gap:0;order:4;border-top:1px solid var(--color-border);padding-top:8px}.header-row nav.is-open{display:flex}.header-row nav a{padding:12px 4px}.header-row nav a[aria-current]{box-shadow:none;text-decoration:underline}.header-small{width:100%;justify-content:flex-start;margin:0;gap:24px}.home-intro{display:block;padding-block:32px}.home-statement h1 br{display:none}.first-step{margin-top:32px}.first-step h2 br{display:none}.section-block{padding-block:32px}.situation-list>a{grid-template-columns:24px 1fr;gap:16px;padding:20px 0;align-items:start}.row-number{padding-top:6px}.row-note{grid-column:2;margin-top:-4px}.editorial-section,.promise,.footer-top{grid-template-columns:1fr;gap:24px}.document-excerpt{padding:24px}.document-excerpt>p:not(.eyebrow){font-size:1.25rem}.page-intro{padding-block:32px 24px}.lead{font-size:1.125rem}.calc-layout{grid-template-columns:1fr;gap:24px}.calc-form{padding:24px 20px}.calc-result{position:static;padding:24px 20px}.alternative-inputs{grid-template-columns:1fr;gap:24px}.alternative-inputs fieldset+fieldset{border-top:1px solid var(--color-border);padding-top:24px}.result-pair strong{font-size:1.5rem}.result-number{font-size:2rem}.assumptions{padding:16px 20px}.checklist-progress{align-items:flex-start;gap:12px;flex-direction:column}.task-detail{margin-left:0}.task-title label{font-size:1.125rem}.signup form{padding:20px}.consent{gap:10px}.note{padding:16px 20px}.footer-top{padding-bottom:24px}.footer-bottom{gap:16px;align-items:flex-start}.footer-bottom nav{gap:12px 24px}.article-body,.reading-list,.checklist,.signup{padding-bottom:48px}}
/* Long German labels must reflow under enlarged text without clipped content. */
.footer-top>div,.calc-form,.calc-result,.home-statement,.first-step{min-width:0}
.footer-top,.editorial-section,.promise{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
.footer-brand,.footer-top h2,.footer-top a,.calc-form,.calc-result{overflow-wrap:anywhere;hyphens:auto}
.button{max-width:100%;white-space:normal}
@media(max-width:767px){.footer-top,.editorial-section,.promise,.calc-layout{grid-template-columns:minmax(0,1fr)}}
@media(max-width:767px){.first-step{padding:16px;margin-top:24px}.first-step h2{font-size:1.25rem;margin-bottom:16px}.first-step .eyebrow{margin-bottom:12px}.first-step .price-note{margin-block:12px}.first-step .big-number{font-size:2.25rem}.first-step .calculation-line{margin-bottom:8px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.private-bar,.site-header,.site-footer,.button,.plain-button{display:none!important}body{background:white}.wrap{width:100%;max-width:100%}.task{break-inside:avoid}.calc-layout{display:block}.calc-result{position:static}.article-body a{color:black}}