:root {
  --rot: #E3000F;
  --rot-dunkel: #B3000C;
  --rot-hell: #FDECEE;
  --ink: #1c1c1e;
  --grau: #55555b;
  --line: #d9d9de;
  --karte: #f6f6f7;
  --gruen: #17733a;
  --gruen-hell: #E9F6EE;
  --gelb: #FFF6DB;
  --gelb-line: #E2BE45;
  --blau: #1a5fb4;
  --radius: 12px;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: #fff;
  color: var(--ink);
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  font-size: 18px;
  line-height: 1.55;
}
[hidden] { display: none !important; }
img { max-width: 100%; height: auto; }
a { color: var(--blau); }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--blau); outline-offset: 2px; }

h1[tabindex="-1"]:focus, h2[tabindex="-1"]:focus, legend[tabindex="-1"]:focus { outline: none; }
h1, h2, h3 { line-height: 1.25; margin: 0; }
p { margin: 0 0 12px; }

.topbar { height: 5px; background: var(--rot); }
.wrap { max-width: 720px; margin: 0 auto; padding: 0 18px; }
.kopf { padding: 14px 0 10px; border-bottom: 1px solid var(--line); }
.kopf .agentur { font-size: 14px; letter-spacing: .05em; text-transform: uppercase; color: var(--grau); }
main { padding: 8px 0 40px; }

.hero { display: flex; gap: 14px; align-items: center; margin: 18px 0 6px; }
.hero img { width: 76px; height: 76px; border-radius: 50%; object-fit: cover; flex: none; border: 3px solid #fff; box-shadow: 0 0 0 1px var(--line); }
.hero h1 { font-size: 26px; }
.hero .wer { font-size: 15px; color: var(--grau); margin-top: 4px; }
.vorteile { list-style: none; padding: 0; margin: 12px 0 6px; }
.vorteile li { position: relative; padding-left: 32px; margin: 6px 0; }
.vorteile li::before { content: ""; position: absolute; left: 4px; top: 6px; width: 16px; height: 9px; border-left: 3px solid var(--gruen); border-bottom: 3px solid var(--gruen); transform: rotate(-45deg); }
.aktion-zeile { background: var(--gelb); border: 1px solid var(--gelb-line); border-radius: var(--radius); padding: 10px 14px; font-size: 16px; margin: 10px 0 4px; }

.fortschritt { margin: 16px 0 8px; }
.fortschritt .zahl { font-size: 15px; color: var(--grau); margin-bottom: 6px; }
.fortschritt .balken { height: 8px; background: #ececef; border-radius: 4px; overflow: hidden; }
.fortschritt .balken i { display: block; height: 100%; width: 0; background: var(--rot); border-radius: 4px; transition: width .25s ease; }
@media (prefers-reduced-motion: reduce) { .fortschritt .balken i { transition: none; } }

fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.frage { font-size: 23px; font-weight: 700; margin: 14px 0 6px; display: block; padding: 0; }
.frage:focus { outline: none; }
.frage-klein { font-size: 19px; font-weight: 700; margin: 22px 0 8px; display: block; padding: 0; }
.unter { color: var(--grau); font-size: 17px; margin: 0 0 14px; }
.hinweis { font-size: 16px; color: var(--grau); margin: 8px 0; }
.info { background: var(--karte); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px 14px; font-size: 16px; margin: 12px 0; }
.info.gelb { background: var(--gelb); border-color: var(--gelb-line); }
.info.gruen { background: var(--gruen-hell); border-color: #9fd2b1; }
.info.rot { background: var(--rot-hell); border-color: #f2a9b0; }
.info strong { display: block; margin-bottom: 2px; }

.opts { display: grid; gap: 10px; }
.opt { position: relative; display: flex; align-items: center; gap: 14px; min-height: 62px; padding: 14px 16px; border: 2px solid var(--line); border-radius: var(--radius); background: #fff; cursor: pointer; font-size: 19px; font-weight: 600; }
.opt:hover { border-color: #b9b9c0; }
.opt input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.opt .punkt { flex: none; width: 24px; height: 24px; border: 2px solid #8a8a92; border-radius: 50%; background: #fff; }
.opt.check .punkt { border-radius: 6px; }
.opt input:checked ~ .punkt { border-color: var(--rot); background: radial-gradient(var(--rot) 0 45%, #fff 50%); }
.opt.check input:checked ~ .punkt { background: var(--rot); box-shadow: inset 0 0 0 3px #fff; }
.opt:has(input:checked) { border-color: var(--rot); background: var(--rot-hell); }
.opt.gewaehlt { border-color: var(--rot); background: var(--rot-hell); }
.opt input:focus-visible ~ .punkt { outline: 3px solid var(--blau); outline-offset: 2px; }
.opt .text { flex: 1; }
.opt .klein { display: block; font-size: 16px; font-weight: 400; color: var(--grau); margin-top: 2px; }
.opt .badge { position: absolute; top: -11px; right: 12px; }
.opts.zwei { grid-template-columns: 1fr 1fr; }
.opts.drei { grid-template-columns: 1fr 1fr 1fr; }
@media (max-width: 420px) { .opts.drei { grid-template-columns: 1fr; } }

.badge { display: inline-block; background: var(--rot); color: #fff; font-size: 13px; font-weight: 700; letter-spacing: .02em; padding: 3px 9px; border-radius: 999px; }
.badge.gruen { background: var(--gruen); }
.badge.grau { background: #6b6b73; }

.feld { margin: 14px 0; }
.feld label { display: block; font-weight: 600; margin-bottom: 6px; }
.feld .hinweis { margin-top: 6px; }
input[type=text], input[type=tel], input[type=email], select {
  width: 100%; min-height: 56px; padding: 12px 14px; font-size: 19px; font-family: inherit; color: var(--ink);
  border: 2px solid #8a8a92; border-radius: 10px; background: #fff;
}
select { appearance: none; -webkit-appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--ink) 50%), linear-gradient(135deg, var(--ink) 50%, transparent 50%); background-position: calc(100% - 22px) 50%, calc(100% - 16px) 50%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 40px; }
input:focus, select:focus { border-color: var(--blau); outline: none; box-shadow: 0 0 0 3px rgba(26, 95, 180, .25); }
input[aria-invalid=true], select[aria-invalid=true] { border-color: var(--rot); }
.feld-fehler { color: var(--rot-dunkel); font-size: 16px; font-weight: 600; margin-top: 6px; }
.jahr { max-width: 220px; font-size: 24px !important; letter-spacing: .08em; }
.zwei-spalten { display: grid; grid-template-columns: 1fr 1fr; gap: 0 12px; }
@media (max-width: 480px) { .zwei-spalten { grid-template-columns: 1fr; } }

.einwilligung { display: flex; gap: 12px; align-items: flex-start; margin: 14px 0; font-size: 16px; line-height: 1.5; cursor: pointer; }
.einwilligung input { flex: none; width: 26px; height: 26px; margin: 1px 0 0; accent-color: var(--rot); }
.einwilligung .pflicht { color: var(--rot-dunkel); font-weight: 700; }
.honig { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.knoepfe { display: flex; gap: 12px; align-items: center; margin: 22px 0 8px; flex-wrap: wrap; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 58px; padding: 14px 22px; border-radius: var(--radius); border: 2px solid var(--rot); background: var(--rot); color: #fff; font-size: 19px; font-weight: 700; font-family: inherit; text-decoration: none; cursor: pointer; text-align: center; line-height: 1.25; }
.btn:hover { background: var(--rot-dunkel); border-color: var(--rot-dunkel); }
.btn[disabled], .btn[aria-disabled=true] { opacity: .55; cursor: not-allowed; }
.btn.voll { width: 100%; }
.btn.sekundaer { background: #fff; color: var(--rot-dunkel); }
.btn.sekundaer:hover { background: var(--rot-hell); }
.btn.gruen { background: var(--gruen); border-color: var(--gruen); }
.btn.gruen:hover { background: #105a2c; border-color: #105a2c; }
.btn.neutral { background: #fff; color: var(--ink); border-color: #8a8a92; }
.btn.neutral:hover { background: var(--karte); }
.btn-zurueck { background: none; border: 0; color: var(--grau); font-size: 17px; font-family: inherit; text-decoration: underline; cursor: pointer; padding: 12px 4px; min-height: 48px; }
.weiter-zeile { display: flex; flex-direction: row-reverse; justify-content: space-between; align-items: center; gap: 12px; margin-top: 22px; }
.weiter-zeile .btn { flex: 1; max-width: 360px; }
.unter-knopf { font-size: 15px; color: var(--grau); text-align: center; margin-top: 8px; }
.fehlerbox { background: var(--rot-hell); border: 2px solid #f2a9b0; color: var(--rot-dunkel); border-radius: var(--radius); padding: 12px 14px; font-weight: 600; margin: 14px 0; }

.lade { text-align: center; padding: 48px 0; color: var(--grau); }
.lade .kreis { width: 42px; height: 42px; border: 4px solid #eee; border-top-color: var(--rot); border-radius: 50%; margin: 0 auto 14px; animation: dreh 0.9s linear infinite; }
@keyframes dreh { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .lade .kreis { animation: none; } }
.hallo { font-size: 26px; margin: 18px 0 6px; }
.eckdaten { color: var(--grau); font-size: 16px; margin-bottom: 8px; }
.regler { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 14px 0; }
@media (max-width: 480px) { .regler { grid-template-columns: 1fr; } }
.regler label { display: block; font-weight: 600; font-size: 16px; margin-bottom: 4px; }
.varianten { display: grid; gap: 12px; margin: 16px 0; }
@media (min-width: 700px) { .varianten { grid-template-columns: 1fr 1fr 1fr; } }
.variante { position: relative; text-align: left; font-family: inherit; color: var(--ink); background: #fff; border: 2px solid var(--line); border-radius: var(--radius); padding: 18px 16px 14px; cursor: pointer; display: flex; flex-direction: column; gap: 6px; font-size: 16px; }
.variante:hover { border-color: #b9b9c0; }
.variante[aria-pressed=true] { border-color: var(--rot); box-shadow: 0 0 0 2px var(--rot) inset; background: #fffafa; }
.variante[disabled] { cursor: default; opacity: .75; }
.variante .name { font-size: 21px; font-weight: 800; }
.variante .preis { font-size: 28px; font-weight: 800; line-height: 1.1; }
.variante .preis small { font-size: 16px; font-weight: 600; color: var(--grau); white-space: nowrap; display: inline-block; }
.variante .ohne-preis { font-size: 17px; font-weight: 700; color: var(--grau); }
.variante ul { margin: 4px 0 0; padding-left: 20px; }
.variante li { margin: 3px 0; }
.variante .aufbau { font-size: 15px; color: var(--grau); }
.variante .aufbau b { color: var(--gruen); }
.variante .badge { position: absolute; top: -11px; left: 14px; }
.variante .gewaehlt-text { font-size: 15px; font-weight: 700; color: var(--rot-dunkel); }
.siegel { font-size: 14px; color: var(--grau); border-top: 1px dashed var(--line); padding-top: 6px; margin-top: 4px; }
.auswahl { background: var(--karte); border-radius: var(--radius); padding: 16px; margin: 16px 0; }
.auswahl .zeile { font-size: 18px; font-weight: 700; }
.cta { display: grid; gap: 12px; margin: 16px 0; }
@media (min-width: 640px) { .cta { grid-template-columns: 1.4fr 1fr; } }
.kontaktwege { display: flex; flex-wrap: wrap; gap: 10px; margin: 10px 0; }
.kontaktwege .btn { flex: 1 1 200px; min-height: 52px; font-size: 17px; }
.abschnitt { margin: 30px 0 0; }
.abschnitt h2 { font-size: 22px; margin-bottom: 10px; }
.schritte-liste { counter-reset: s; list-style: none; padding: 0; margin: 0; }
.schritte-liste li { counter-increment: s; position: relative; padding: 2px 0 10px 44px; }
.schritte-liste li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 32px; height: 32px; border-radius: 50%; background: var(--rot); color: #fff; font-weight: 800; display: flex; align-items: center; justify-content: center; font-size: 16px; }
.tabelle-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
table.vergleich { width: 100%; border-collapse: collapse; font-size: 15px; min-width: 330px; }
table.vergleich th, table.vergleich td { border-bottom: 1px solid var(--line); padding: 9px 6px; text-align: center; vertical-align: middle; }
table.vergleich th:first-child, table.vergleich td:first-child { text-align: left; padding-left: 0; }
table.vergleich thead th { font-size: 15px; background: #fff; position: sticky; top: 0; }
table.vergleich .ja { display: inline-block; width: 15px; height: 8px; border-left: 3px solid var(--gruen); border-bottom: 3px solid var(--gruen); transform: rotate(-45deg); margin-bottom: 3px; }
table.vergleich .nein { color: #9a9aa2; font-size: 14px; }
table.vergleich .wert { font-weight: 700; white-space: nowrap; }

@media (max-width: 600px) {
  .tabelle-wrap { overflow: visible; }
  table.vergleich, table.vergleich thead, table.vergleich tbody, table.vergleich tr { display: block; width: 100%; min-width: 0; }
  table.vergleich thead { position: sticky; top: 0; z-index: 2; background: #fff; border-bottom: 2px solid var(--ink); }
  table.vergleich thead tr { display: grid; grid-template-columns: 1fr 1fr 1fr; }
  table.vergleich thead th:first-child { display: none; }
  table.vergleich thead th { border: 0; padding: 8px 2px; font-size: 15px; }
  table.vergleich tbody tr { display: grid; grid-template-columns: 1fr 1fr 1fr; border-bottom: 1px solid var(--line); padding: 9px 0; }
  table.vergleich tbody th { grid-column: 1 / -1; border: 0; padding: 0 0 5px; font-weight: 600; }
  table.vergleich tbody td { border: 0; padding: 2px; display: flex; align-items: center; justify-content: center; }
}

details.aufklapp { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
details.aufklapp > summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 60px; padding: 12px 14px 12px 16px; border-radius: var(--radius); }
details.aufklapp > summary::-webkit-details-marker { display: none; }
details.aufklapp > summary::marker { content: ""; }
details.aufklapp > summary h2 { margin: 0; font-size: 21px; }
details.aufklapp .aufklapp-unter { display: block; font-size: 15px; color: var(--grau); margin-top: 3px; }
details.aufklapp .aufklapp-zeichen { flex: none; position: relative; width: 36px; height: 36px; border-radius: 50%; background: var(--rot-hell); }
details.aufklapp .aufklapp-zeichen::before, details.aufklapp .aufklapp-zeichen::after { content: ""; position: absolute; left: 50%; top: 50%; width: 15px; height: 3px; margin: -1.5px 0 0 -7.5px; background: var(--rot-dunkel); border-radius: 2px; transition: transform .2s ease; }
details.aufklapp .aufklapp-zeichen::after { transform: rotate(90deg); }
details.aufklapp[open] .aufklapp-zeichen::after { transform: rotate(0deg); }
details.aufklapp[open] > summary { border-bottom: 1px solid var(--line); border-radius: var(--radius) var(--radius) 0 0; }
@media (hover: hover) { details.aufklapp > summary:hover h2 { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 4px; } }
details.aufklapp .aufklapp-inhalt { padding: 4px 16px 12px; }
details.aufklapp .aufklapp-inhalt > .kleingedruckt { margin: 10px 0 0; }
@media (max-width: 600px) { details.aufklapp .aufklapp-inhalt { padding: 2px 12px 10px; } }
@media (prefers-reduced-motion: reduce) { details.aufklapp .aufklapp-zeichen::before, details.aufklapp .aufklapp-zeichen::after { transition: none; } }
.kleingedruckt { font-size: 15px; color: var(--grau); }
.kleingedruckt p { margin-bottom: 8px; }
.betreuung { display: flex; gap: 14px; align-items: flex-start; }
.betreuung img { width: 92px; height: 92px; border-radius: 50%; object-fit: cover; flex: none; }
@media (max-width: 480px) { .betreuung { flex-wrap: wrap; } .betreuung img { width: 76px; height: 76px; } .betreuung > div { flex: 1 1 100%; } }
.betreuung ul { margin: 6px 0 0; padding-left: 20px; }

.banner-lotse { background: var(--gelb); border: 2px solid var(--gelb-line); border-radius: var(--radius); padding: 14px 16px; font-size: 19px; font-weight: 700; margin: 14px 0; }
.banner-lotse span { display: block; }
.spick { border: 2px solid var(--line); border-radius: var(--radius); padding: 14px 16px; margin: 14px 0; }
.spick h2 { font-size: 20px; margin-bottom: 8px; }
.spick dl { display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; margin: 0; }
.spick dt { color: var(--grau); }
.spick dd { margin: 0; font-weight: 700; }
.karte-schritt { border: 2px solid var(--line); border-radius: var(--radius); padding: 16px; margin: 14px 0; }
.karte-schritt h3 { font-size: 20px; display: flex; gap: 12px; align-items: center; margin-bottom: 10px; }
.karte-schritt h3 .nr { flex: none; width: 36px; height: 36px; border-radius: 50%; background: var(--rot); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 18px; }
.karte-schritt ul { margin: 0 0 8px; padding-left: 22px; }
.karte-schritt li { margin: 4px 0; }
.karte-schritt figure { margin: 10px 0; }
.karte-schritt figure img { border: 1px solid var(--line); border-radius: 8px; display: block; }
.karte-schritt .hilfe { font-size: 16px; }
.video-wrap video { width: 100%; border-radius: var(--radius); background: #000; }

.consent { position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; background: #fff; border-top: 3px solid var(--rot); box-shadow: 0 -6px 24px rgba(0, 0, 0, .12); }
.consent-inner { max-width: 720px; margin: 0 auto; padding: 16px 18px 18px; }
.consent p { font-size: 16px; margin-bottom: 12px; }
.consent-knoepfe { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.consent .btn { min-height: 52px; font-size: 17px; }

.recht h1 { font-size: 28px; margin: 22px 0 6px; }
.recht h2 { font-size: 20px; margin: 26px 0 8px; }
.recht p, .recht li { font-size: 17px; }
.recht .stand { color: var(--grau); font-size: 15px; }

footer { border-top: 1px solid var(--line); padding: 18px 0 90px; font-size: 15px; color: var(--grau); }
footer nav { display: flex; flex-wrap: wrap; gap: 6px 14px; margin-top: 8px; }
footer nav a, footer nav button { color: var(--grau); font-size: 15px; }
footer nav button { background: none; border: 0; padding: 0; font-family: inherit; text-decoration: underline; cursor: pointer; }