:root {
  --ink: #181817;
  --ink-soft: #4f4c46;
  --paper: #f6f5f1;
  --surface: #ffffff;
  --line: #dedbd3;
  --accent: #b24d34;
  --accent-dark: #812f20;
  --accent-pale: #faebe6;
  --dark: #1e1d1a;
  --mustard: #c68b1d;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); font-size: 16px; line-height: 1.65; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--accent-dark); }
button, input, select { font: inherit; }
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible { outline: 3px solid var(--mustard); outline-offset: 3px; }
.skip-link { position: fixed; z-index: 100; top: 10px; left: 10px; transform: translateY(-160%); padding: 10px 14px; background: var(--dark); color: white; font-weight: 700; }
.skip-link:focus { transform: translateY(0); }
.site-header { width: min(1320px, calc(100% - 48px)); min-height: 88px; display: flex; align-items: center; justify-content: space-between; gap: 24px; margin: 0 auto; border-bottom: 1px solid var(--line); }
.wordmark { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; line-height: 1; flex: 0 0 auto; }
.wordmark span { letter-spacing: -.08em; font-size: 26px; font-weight: 900; }
.wordmark span::after { content: '.'; color: var(--accent); }
.wordmark small { color: var(--ink-soft); font-size: 9px; font-weight: 800; letter-spacing: .08em; line-height: 1.15; text-transform: uppercase; }
.site-nav { display: flex; align-items: center; gap: clamp(14px, 2vw, 30px); font-size: 14px; font-weight: 650; }
.site-nav > a:not(.button) { text-decoration: none; }
.menu-toggle { display: none; border: 0; background: none; font-weight: 800; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 7px; border: 1px solid var(--accent); background: var(--accent); color: #fff; min-height: 49px; padding: 12px 20px; font-size: 14px; font-weight: 800; letter-spacing: .01em; text-decoration: none; transition: background .2s ease, transform .2s ease; }
.button:hover { color: #fff; background: var(--accent-dark); transform: translateY(-1px); }
.button-dark { border-color: var(--dark); background: var(--dark); }
.button-dark:hover { background: #383630; }
.button-small { min-height: 39px; padding: 8px 13px; font-size: 12px; }
.button-outline { border-color: var(--ink); background: transparent; color: var(--ink); }
.button-outline:hover { background: var(--ink); color: #fff; }
.eyebrow, .module-label { margin: 0 0 12px; color: var(--accent); font-size: 11px; font-weight: 900; letter-spacing: .13em; text-transform: uppercase; }
.breadcrumb { width: min(1200px, calc(100% - 48px)); margin: 25px auto 0; color: #6a6760; font-size: 13px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.breadcrumb span { margin: 0 7px; }
.article-layout { width: min(1200px, calc(100% - 48px)); margin: 36px auto 86px; }
.article-header { max-width: 890px; padding: 0 0 36px; border-bottom: 1px solid var(--line); }
h1, h2, h3 { color: var(--ink); line-height: 1.14; }
h1 { max-width: 850px; margin: 0; font-family: var(--serif); font-size: clamp(38px, 5.1vw, 71px); font-weight: 400; letter-spacing: -.045em; }
h2 { margin: 55px 0 17px; font-family: var(--serif); font-size: clamp(28px, 3.1vw, 43px); font-weight: 400; letter-spacing: -.035em; scroll-margin-top: 24px; }
h3 { margin: 33px 0 10px; font-size: clamp(19px, 2.2vw, 24px); letter-spacing: -.02em; }
p { max-width: 76ch; margin: 0 0 19px; }
.article-byline { display: flex; align-items: center; gap: 11px; margin-top: 23px; color: var(--ink-soft); font-size: 13px; line-height: 1.35; }
.byline-avatar, .author-initials { display: grid; flex: 0 0 auto; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: #ddd7cb; color: #4d463d; font-size: 12px; font-weight: 900; }
.article-body { display: grid; grid-template-columns: minmax(0, 780px) minmax(0, 1fr); gap: 64px; margin-top: 42px; }
.article-body > * { grid-column: 1; }
.article-body > .article-toc { grid-column: 2; grid-row: 1 / span 2; align-self: start; position: sticky; top: 22px; }
.article-body ul, .article-body ol { max-width: 73ch; margin: 0 0 22px; padding-left: 22px; }
.article-body li { margin: 7px 0; }
.article-body strong { font-weight: 800; }
.key-answer-title { max-width: none; margin: 34px 0 0; padding: 22px 25px 0; border: 1px solid #dad7cf; border-bottom: 0; background: #f0efe9; color: var(--ink); font-size: 17px; font-weight: 850; }
.key-answer-list { max-width: none !important; margin: 0 0 30px !important; padding: 0 28px 24px 45px !important; border: 1px solid #dad7cf; border-top: 0; background: #f0efe9; }
.article-toc { border-top: 2px solid var(--ink); border-bottom: 1px solid var(--line); padding: 15px 0 17px; }
.article-toc button { display: flex; width: 100%; align-items: center; justify-content: space-between; border: 0; padding: 0; background: transparent; color: var(--ink); font-size: 13px; font-weight: 900; text-align: left; }
.article-toc ol { max-width: none; margin: 13px 0 0; padding-left: 18px; font-size: 13px; line-height: 1.4; }
.article-toc li { margin: 8px 0; }
.article-toc a { color: var(--ink-soft); text-decoration: none; }
.article-toc a:hover { color: var(--accent); }
.article-toc.is-collapsed ol { display: none; }
.toc-back { display: inline-block; margin: -4px 0 13px; color: var(--accent); font-size: 12px; font-weight: 750; text-decoration: none; }
.table-wrap { max-width: 100%; margin: 26px 0 30px; overflow-x: auto; border: 1px solid var(--line); background: var(--surface); }
table { min-width: 610px; width: 100%; border-collapse: collapse; font-size: 14px; line-height: 1.45; }
th, td { padding: 13px 14px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); vertical-align: top; text-align: left; }
th { background: #efede8; font-size: 12px; font-weight: 850; }
tr:last-child td { border-bottom: 0; }
th:last-child, td:last-child { border-right: 0; }
.article-note { max-width: 780px; margin: 32px 0; padding: 20px 22px; border-left: 3px solid var(--accent); background: var(--accent-pale); }
.article-note p { margin: 6px 0 0; font-size: 14px; }
.article-module { max-width: 780px; margin: 42px 0; padding: clamp(24px, 4vw, 42px); background: var(--dark); color: #fff; }
.article-module h2, .article-module p { color: inherit; }
.article-module h2 { margin: 6px 0 13px; font-size: clamp(28px, 3.4vw, 43px); }
.article-module .module-label { color: #d5c9a7; }
.module-checklist { background: #e7dfce; color: var(--ink); }
.module-conversation { background: #24312d; }
.module-transparency { border: 1px solid #cfcac0; background: var(--surface); color: var(--ink); }
.module-calculator { background: #e9ece7; color: var(--ink); }
.module-calculator .module-label { color: var(--accent); }
.author-box { display: flex; max-width: 780px; gap: 20px; margin: 42px 0; padding: 28px; border: 1px solid var(--line); background: #fff; }
.author-box .author-initials { width: 66px; height: 66px; background: #ece6da; font-size: 18px; }
.author-box h2 { margin: 0 0 9px; font-size: 30px; }
.author-box p:last-child { margin-bottom: 0; }
.placeholder-note { color: #766f63; font-size: 13px; font-style: italic; }
.article-visual-placeholder { display: flex; align-items: center; justify-content: space-between; max-width: 780px; min-height: 180px; gap: 30px; margin: 35px 0; padding: 28px; border: 1px dashed #bab1a1; background: #f1eee7; }
.article-visual-placeholder figcaption { max-width: 49ch; color: var(--ink-soft); font-size: 13px; line-height: 1.35; }
.article-visual-placeholder figcaption strong, .article-visual-placeholder figcaption span { display: block; }
.article-visual-placeholder figcaption strong { margin-bottom: 5px; color: var(--ink); font-size: 15px; }
.visual-bars { display: flex; align-items: end; gap: 7px; height: 104px; min-width: 96px; border-bottom: 2px solid var(--ink); }
.visual-bars i { display: block; width: 23px; background: var(--accent); }
.visual-bars i:nth-child(1) { height: 40%; opacity: .65; }
.visual-bars i:nth-child(2) { height: 70%; opacity: .82; }
.visual-bars i:nth-child(3) { height: 100%; }
.site-footer { border-top: 1px solid var(--line); background: #eae8e1; padding: 57px max(24px, calc((100vw - 1320px) / 2)) 24px; }
.footer-grid { display: grid; grid-template-columns: 1.35fr .85fr 1.3fr .8fr; gap: 38px; }
.site-footer h2 { margin: 0 0 12px; font-family: var(--sans); font-size: 12px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.site-footer p { font-size: 13px; line-height: 1.5; }
.site-footer ul { margin: 0; padding: 0; list-style: none; }
.site-footer li { margin: 7px 0; font-size: 13px; }
.site-footer a { text-decoration: none; }
.wordmark-footer { margin-bottom: 16px; }
.footer-disclaimer { max-width: none; margin: 36px 0 0; padding-top: 16px; border-top: 1px solid #c7c3ba; color: #666158; font-size: 12px; }
.utility-content, .guide-overview { width: min(1080px, calc(100% - 48px)); min-height: 62vh; margin: 68px auto 100px; }
.utility-content > .lead, .guide-overview > .lead { max-width: 72ch; margin: 20px 0 36px; color: var(--ink-soft); font-size: 20px; }
.calendar-placeholder { max-width: 720px; margin: 34px 0 46px; padding: 30px; background: #e9ece7; }
.calendar-placeholder h2 { margin: 0 0 10px; font-size: 27px; }
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 43px; }
.guide-card { display: flex; flex-direction: column; min-height: 265px; padding: 22px; border: 1px solid var(--line); background: var(--surface); }
.guide-card h2 { margin: 5px 0 12px; font-size: 25px; }
.guide-card h2 a { text-decoration: none; }
.guide-card p { font-size: 14px; }
.guide-card .text-link { margin-top: auto; }
.text-link { color: var(--accent-dark); font-size: 14px; font-weight: 850; }
@media (max-width: 1000px) {
  .article-body { grid-template-columns: 1fr; gap: 0; }
  .article-body > .article-toc { grid-column: 1; grid-row: auto; position: relative; top: auto; margin: 0 0 30px; }
  .guide-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .footer-guides { grid-column: 1 / -1; }
  .footer-guides ul { columns: 2; }
}
@media (max-width: 740px) {
  body { font-size: 16px; }
  .site-header { width: min(100% - 32px, 1320px); min-height: 72px; }
  .menu-toggle { display: inline-flex; }
  .site-nav { position: absolute; z-index: 20; top: 72px; left: 16px; right: 16px; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 12px; border: 1px solid var(--line); background: var(--surface); box-shadow: 0 14px 30px rgba(28,26,21,.11); }
  .site-nav.is-open { display: flex; }
  .site-nav > a { padding: 11px 8px; }
  .site-nav .button { margin: 4px 0; }
  .breadcrumb, .article-layout, .utility-content, .guide-overview { width: min(100% - 32px, 1200px); }
  .breadcrumb { margin-top: 20px; }
  .article-layout { margin-top: 28px; margin-bottom: 62px; }
  h1 { font-size: clamp(38px, 12vw, 54px); }
  h2 { margin-top: 42px; }
  .article-visual-placeholder { align-items: flex-start; flex-direction: column-reverse; }
  .article-module { margin: 33px 0; }
  .author-box { flex-direction: column; }
  .guide-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px 20px; }
  .footer-grid > :first-child, .footer-guides { grid-column: 1 / -1; }
  .footer-guides ul { columns: 1; }
  .article-toc { position: relative; }
}
@media print {
  .site-header, .site-footer, .breadcrumb, .skip-link, .article-toc, .toc-back, .button { display: none !important; }
  body { background: #fff; color: #000; }
  .article-layout { width: 100%; margin: 0; }
  .article-body { display: block; }
  a { color: #000; text-decoration: none; }
}

/* Kapitalanlage-Check: freie Stufen 1–2 und transparenter Vorschau-Gate für Stufe 3 */
.calculator-tool { max-width: 1000px; margin: 40px 0 54px; padding: clamp(24px, 4.5vw, 46px); background: var(--dark); color: #fff; }
.calculator-tool h2, .calculator-tool h3, .calculator-tool p { color: inherit; }
.calculator-tool h2 { margin: 6px 0 13px; }
.calculator-tool-intro > p:not(.eyebrow) { max-width: 62ch; color: #d8d4ca; }
.calculator-tool .eyebrow { color: #d5c9a7; }
.capital-check-form { margin-top: 30px; }
.capital-check-form fieldset { margin: 0 0 22px; padding: 18px; border: 1px solid #5f5c55; }
.capital-check-form legend { padding: 0 8px; color: #fff; font-weight: 850; }
.capital-check-form legend span { margin-right: 7px; color: #dfc999; font-size: 10px; letter-spacing: .1em; text-transform: uppercase; }
.field-explainer { color: #cfcbc2; font-size: 13px; }
.check-grid { display: grid; gap: 12px; }
.check-grid.three { grid-template-columns: repeat(3, 1fr); }
.check-grid.two { grid-template-columns: repeat(2, 1fr); }
.check-grid label { display: grid; gap: 7px; color: #ded9cf; font-size: 12px; font-weight: 750; }
.check-grid input, .check-grid select { width: 100%; min-width: 0; height: 47px; border: 1px solid #69665e; border-radius: 0; background: #282722; color: #fff; padding: 8px 10px; }
.check-stage-two { background: rgba(255,255,255,.035); }
.check-results { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 0; border-top: 1px solid #5f5c55; border-left: 1px solid #5f5c55; }
.check-results > div { padding: 17px; border-right: 1px solid #5f5c55; border-bottom: 1px solid #5f5c55; background: #272621; }
.check-results span { display: block; color: #c9c4b9; font-size: 10px; font-weight: 850; letter-spacing: .05em; text-transform: uppercase; }
.check-results strong { display: block; margin-top: 5px; color: #fff; font-family: var(--serif); font-size: 29px; font-weight: 400; }
.check-gate { margin-top: 34px; padding: 25px; background: #e7e3da; color: var(--ink); }
.check-gate h3 { margin: 5px 0 9px; color: var(--ink); font-family: var(--serif); font-size: 31px; font-weight: 400; }
.check-gate p { color: var(--ink-soft); }
.check-gate .module-label { color: var(--accent); }
.check-gate .check-grid label { color: var(--ink); }
.check-gate .check-grid input { border-color: #b9b2a6; background: #fff; color: var(--ink); }
.check-consent { display: block; margin: 18px 0 12px; color: var(--ink-soft); font-size: 13px; }
.check-consent input { vertical-align: middle; margin-right: 7px; }
.preview-feedback { min-height: 20px; margin: 10px 0 0; color: var(--accent-dark) !important; font-size: 13px; font-weight: 700; }
@media (max-width: 740px) { .check-grid.three, .check-grid.two, .check-results { grid-template-columns: 1fr; } .calculator-tool { margin: 26px 0 40px; padding: 20px 16px; } .check-gate { padding: 20px 16px; } }