:root{
  --navy:#14254A; --navy-2:#0E1B38; --navy-3:#1D3364;
  --petrol:#1F7A9C; --petrol-d:#17607B; --petrol-l:#E4F1F6;
  --amber:#F28C1E; --amber-l:#FFF4E5; --amber-d:#9A5200;
  --ink:#16213A; --muted:#51607A; --line:#DCE3EC; --bg:#F5F7FA; --white:#fff;
  --radius:14px; --shadow:0 1px 2px rgba(20,37,74,.06),0 8px 24px rgba(20,37,74,.07);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.6;color:var(--ink);background:var(--white);font-feature-settings:"ss01","cv11";-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
h1,h2,h3,h4{line-height:1.18;margin:0 0 .5em;letter-spacing:-.015em;color:var(--navy);text-wrap:balance}
h1{font-size:clamp(2.05rem,5.6vw,3.5rem);font-weight:800;letter-spacing:-.03em}
h2{font-size:clamp(1.65rem,3.6vw,2.4rem);font-weight:750}
h3{font-size:1.18rem;font-weight:700}
p{margin:0 0 1em}
a{color:var(--petrol-d);text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:6px}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
section{padding:64px 0;scroll-margin-top:64px}
@media(min-width:900px){section{padding:96px 0}.wrap{padding:0 32px}}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--petrol-d);margin-bottom:14px}
.lead{font-size:1.12rem;color:var(--muted);max-width:62ch}
.sec-head{margin-bottom:36px}
.bg-soft{background:var(--bg)}
.num{font-variant-numeric:tabular-nums}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--navy);padding:10px 16px;font-weight:700;z-index:100}
.skip:focus{left:8px;top:8px}
.vh{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Header */
.top{position:sticky;top:0;z-index:50;background:rgba(14,27,56,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:60px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:750;letter-spacing:-.01em;white-space:nowrap}
.brand svg{width:28px;height:28px;flex:none}
.nav{display:none;gap:22px}
.nav a{color:#D5DEEF;text-decoration:none;font-size:.93rem;font-weight:500;white-space:nowrap}
.nav a:hover{color:#fff}
@media(min-width:1100px){.nav{display:flex}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;font-size:1rem;padding:14px 22px;border-radius:10px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:transform .12s,background .15s,border-color .15s;min-height:48px;text-align:center}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--amber);color:#1A1203}
.btn-primary:hover{background:#FF9C33;color:#1A1203}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff;background:transparent}
.btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.08)}
.btn-sm{padding:8px 14px;font-size:.9rem;min-height:40px;white-space:nowrap}
.btn[disabled]{opacity:.65;cursor:progress}

/* Hero */
.hero{background:radial-gradient(1100px 520px at 85% -10%,rgba(31,122,156,.55),transparent 60%),linear-gradient(180deg,var(--navy-2),var(--navy) 70%);color:#fff;padding:48px 0 0;position:relative;overflow:hidden}
.hero h1{color:#fff;max-width:17ch}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero .eyebrow{color:#8FD0E6}
.hero-grid{display:grid;gap:28px;align-items:center}
.hero p.sub{font-size:1.13rem;color:#D5DEEF;max-width:56ch}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 14px}
.hero-note{font-size:.95rem;color:#B9C6E0;max-width:56ch}
.hero-art{max-width:620px;width:100%;margin:0 auto}
@media(min-width:980px){.hero{padding-top:76px}.hero-grid{grid-template-columns:1.05fr .95fr;gap:40px}}
.kpis{display:grid;gap:12px;margin:40px 0 0;padding-bottom:48px}
.kpi{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:20px 20px 18px}
.kpi b{display:block;font-size:2.3rem;line-height:1.05;font-weight:800;letter-spacing:-.03em;color:#fff}
.kpi b span{font-size:1.05rem;font-weight:600;letter-spacing:0;color:#C9D5EA}
.kpi .kl{display:block;font-weight:650;margin:8px 0 4px;color:#fff}
.kpi p{margin:0;font-size:.95rem;color:#C9D5EA;line-height:1.45}
.kpi.accent{border-color:var(--amber);background:rgba(242,140,30,.12)}
.kpi.accent b{color:var(--amber)}
.kpi.accent p{color:#F3E3CD}
.kpi.accent p strong{color:#fff}
@media(min-width:820px){.kpis{grid-template-columns:repeat(3,1fr);gap:18px}}

/* Cards / grid */
.grid{display:grid;gap:18px}
@media(min-width:760px){.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.4em}
.card p:last-child,.card ul:last-child{margin-bottom:0}
ul.clean{list-style:none;padding:0;margin:0 0 1em}
ul.clean li{position:relative;padding-left:28px;margin:.5em 0}
ul.clean li::before{content:"";position:absolute;left:2px;top:.52em;width:14px;height:8px;border-left:3px solid var(--petrol);border-bottom:3px solid var(--petrol);transform:rotate(-45deg);border-radius:1px}
ul.clean.no li::before{width:14px;height:0;border-left:0;border-bottom:3px solid var(--amber-d);transform:none;top:.78em}
ul.clean.dot li::before{width:8px;height:8px;border:0;background:var(--amber);border-radius:50%;transform:none;top:.6em;left:5px}

/* Steps */
.steps{display:grid;gap:18px;counter-reset:s;position:relative}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px 24px;box-shadow:var(--shadow)}
.step .n{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:1.15rem;margin-bottom:14px}
.step:nth-child(2) .n{background:var(--petrol)}
.step:nth-child(3) .n{background:var(--amber);color:#1A1203}
.step svg.ico{width:100%;height:auto;max-height:120px;margin:4px 0 14px}
.step p{color:var(--muted);margin:0}
@media(min-width:860px){
  .steps{grid-template-columns:repeat(3,1fr);gap:34px}
  .step:not(:last-child)::after{content:"";position:absolute;right:-27px;top:40px;width:20px;height:14px;background:var(--petrol);clip-path:polygon(0 35%,60% 35%,60% 0,100% 50%,60% 100%,60% 65%,0 65%)}
}
.timeline{margin-top:34px;background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px 22px}
.timeline h3{color:#fff}
.tl{display:grid;gap:14px;margin-top:16px}
.tl div{border-left:4px solid var(--petrol);padding:2px 0 2px 14px}
.tl div:nth-child(2){border-color:var(--amber)}
.tl b{display:block;color:#fff}
.tl span{color:#C9D5EA;font-size:.96rem}
@media(min-width:860px){.tl{grid-template-columns:repeat(3,1fr);gap:24px}.timeline{padding:30px 32px}}

/* Calculator */
.calc{display:grid;gap:22px}
@media(min-width:980px){.calc{grid-template-columns:380px 1fr;align-items:start}}
.calc>*,.res-grid>*,.cgrid>*,.prod>*,.hero-grid>*{min-width:0}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.ctrl{margin-bottom:22px}
.ctrl:last-child{margin-bottom:0}
.ctrl label{display:flex;justify-content:space-between;align-items:baseline;gap:10px;font-weight:650;color:var(--navy)}
.ctrl output{font-weight:800;font-size:1.15rem;color:var(--navy);white-space:nowrap}
.ctrl small{display:block;color:var(--muted);font-size:.9rem;line-height:1.4;margin-top:4px}
.tag{display:inline-block;background:var(--amber-l);color:var(--amber-d);border:1px solid #F6CF9C;font-size:.75rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;padding:2px 7px;border-radius:5px;vertical-align:2px;margin-left:6px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;margin:6px 0 0;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(90deg,var(--petrol) var(--p,50%),#D5DEE9 var(--p,50%))}
input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:#D5DEE9}
input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--petrol)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:4px solid var(--navy);margin-top:-9px;box-shadow:0 1px 4px rgba(0,0,0,.25)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:4px solid var(--navy);box-shadow:0 1px 4px rgba(0,0,0,.25)}
.fixed{background:var(--bg);border-radius:10px;padding:14px 16px;font-size:.95rem;color:var(--muted);margin-bottom:22px}
.fixed b{color:var(--navy)}
.res-grid{display:grid;gap:14px}
@media(min-width:620px){.res-grid{grid-template-columns:1fr 1fr}}
.yr{border:1px solid var(--line);border-radius:12px;padding:18px;background:#fff}
.yr h3{font-size:1rem;margin-bottom:10px;display:flex;justify-content:space-between;gap:8px;align-items:baseline}
.yr h3 span{font-weight:500;color:var(--muted);font-size:.86rem}
.row{display:flex;justify-content:space-between;gap:12px;padding:5px 0;font-size:.97rem;border-bottom:1px dashed var(--line)}
.row:last-of-type{border-bottom:0}
.row span:last-child{font-weight:650;white-space:nowrap}
.row.sum{border-top:2px solid var(--navy);border-bottom:0;margin-top:6px;padding-top:9px;font-weight:700}
.row.sum span:last-child{font-weight:800;font-size:1.12rem}
.row.tax{border:0;padding:8px 0 0;font-size:.86rem;color:var(--muted);line-height:1.35}
.row.tax span:last-child{font-weight:600}
.yr.rent{border-color:#F6CF9C;background:var(--amber-l)}
.yr.rent .big{font-size:1.3rem;font-weight:750;color:var(--navy);letter-spacing:-.02em;line-height:1.1}
.yr p{font-size:.93rem;color:var(--muted);margin:8px 0 0;line-height:1.45}
.yr.rent p{color:#5A4526}
.chart-box{margin-top:18px;border:1px solid var(--line);border-radius:12px;padding:18px}
.chart-box h3{font-size:1rem}
.legend{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.88rem;color:var(--muted);margin-bottom:10px}
.chart{display:flex;align-items:flex-end;gap:3px;height:190px;border-bottom:2px solid var(--navy);padding-top:22px;position:relative}
.cg{flex:1;display:flex;align-items:flex-end;justify-content:center;gap:2px;height:100%;position:relative;min-width:0}
.cb{flex:1;max-width:22px;border-radius:3px 3px 0 0;min-height:2px;transition:height .25s}
.cb.a{background:var(--amber)}
.h100{height:100%}.h50{height:50%}.h20{height:20%}.h10{height:10%}.h2{height:2%}.h0{height:0;min-height:0}
.cg .val.v100{bottom:calc(100% + 3px)}.cg .val.v50{bottom:calc(50% + 3px)}.cg .val.v20{bottom:calc(20% + 3px);color:var(--muted)}
.sw{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}.sw.a{background:var(--amber)}.sw.b{background:#9DB3CC}
.cb.b{background:#9DB3CC}
.cg .val{position:absolute;left:50%;transform:translateX(-50%);font-size:.7rem;font-weight:700;color:var(--navy);white-space:nowrap}
.cx{display:flex;gap:3px;margin-top:6px}
.cx span{flex:1;text-align:center;font-size:.72rem;color:var(--muted);min-width:0}
.chart-sum{margin:12px 0 0;font-size:.95rem}
.note{font-size:.95rem;color:var(--muted)}
.callout{border-left:5px solid var(--petrol);background:var(--petrol-l);padding:18px 20px;border-radius:0 12px 12px 0;margin-top:22px}
.callout p:last-child{margin-bottom:0}

/* Flow diagram */
.flow{display:grid;gap:0;align-items:stretch}
.node{border-radius:var(--radius);padding:22px;background:#fff;border:2px solid var(--navy);box-shadow:var(--shadow)}
.node .role{font-size:.76rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--petrol-d)}
.node h3{margin:4px 0 8px;font-size:1.22rem}
.node p{font-size:.95rem;color:var(--muted);margin:0}
.node.mid{background:var(--navy);border-color:var(--navy)}
.node.mid h3{color:#fff}.node.mid p{color:#C9D5EA}.node.mid .role{color:var(--amber)}
.node.mieter{border-color:var(--petrol)}
.link{display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:10px 6px;align-items:center}
.lk{display:flex;flex-direction:column;align-items:center;text-align:center;font-size:.86rem;line-height:1.3;color:var(--navy);font-weight:600;gap:4px}
.lk svg{width:22px;height:34px;flex:none}
.lk.back svg{color:var(--amber-d)}
.lk.back{color:var(--amber-d)}
@media(min-width:980px){
  .flow{grid-template-columns:1fr 190px 1fr 190px 1fr}
  .link{grid-template-columns:1fr;padding:0 10px;gap:18px;align-content:center}
  .lk svg{width:100%;height:18px;transform:none}
  .lk .v{display:none}
}
@media(max-width:979px){.lk .h{display:none}}
.partners{display:grid;gap:18px;margin-top:22px}
@media(min-width:760px){.partners{grid-template-columns:1fr 1fr}}
.partner{border:1px dashed #9DB3CC;border-radius:var(--radius);padding:18px 20px;background:#fff}
.partner .role{font-size:.76rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--petrol-d)}
.partner h3{margin:2px 0 6px;font-size:1.05rem}
.partner p{margin:0;font-size:.95rem;color:var(--muted)}

/* Product */
.prod{display:grid;gap:26px}
@media(min-width:980px){.prod{grid-template-columns:1fr 1fr;gap:44px;align-items:start}}
.photo-fallback{margin-top:18px;background:linear-gradient(180deg,var(--navy-2),var(--navy));border-radius:var(--radius);padding:10px 18px}
.specs{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:12px;margin:0 0 20px}
.spec{min-width:0;overflow-wrap:anywhere;hyphens:auto;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.spec b{display:block;font-size:1.25rem;color:var(--navy);letter-spacing:-.01em}
.spec span{font-size:.9rem;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px;padding:0;list-style:none}
.chips li{background:var(--petrol-l);color:var(--navy);font-weight:600;font-size:.93rem;padding:7px 13px;border-radius:999px}
.ref{border-left:5px solid var(--amber);background:#fff;padding:16px 20px;border-radius:0 12px 12px 0;box-shadow:var(--shadow)}
.ref p{margin:0}

/* Risk */
.risk{border:3px solid var(--amber);background:var(--amber-l);border-radius:var(--radius);padding:26px 24px;margin:0 0 28px}
.risk h3{font-size:1.3rem;display:flex;gap:12px;align-items:center}
.risk h3 svg{width:30px;height:30px;flex:none}
.risk p{font-size:1.125rem;color:#2A2110}
.risk p:last-child{margin-bottom:0}
@media(min-width:900px){.risk{padding:34px 38px}}
.cr h3{display:flex;align-items:center;gap:10px}
.cr h3 i{width:12px;height:12px;border-radius:50%;background:var(--petrol);flex:none}
.cr.r h3 i{background:var(--amber)}

/* FAQ */
.faq{max-width:860px}
details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:12px}
summary{cursor:pointer;padding:18px 52px 18px 20px;font-weight:650;color:var(--navy);list-style:none;position:relative;font-size:1.04rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"";position:absolute;right:22px;top:50%;width:10px;height:10px;border-right:3px solid var(--petrol);border-bottom:3px solid var(--petrol);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
details[open]>summary::after{transform:translateY(-30%) rotate(-135deg)}
details .a{padding:0 20px 18px;color:#2C3A55}
details .a p:last-child{margin-bottom:0}

/* Contact */
.contact{background:linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff}
.contact h2{color:#fff}.contact .eyebrow{color:#8FD0E6}.contact .lead{color:#C9D5EA}
.cgrid{display:grid;gap:24px}
@media(min-width:980px){.cgrid{grid-template-columns:380px 1fr;gap:36px;align-items:start}}
.person{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);padding:26px}
.avatar{width:64px;height:64px;border-radius:50%;background:var(--amber);color:#1A1203;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.4rem;margin-bottom:14px}
.person h3{color:#fff;margin:0;font-size:1.3rem}
.person .pos{color:#C9D5EA;margin-bottom:18px}
.plink{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:650;padding:12px 14px;border-radius:10px;background:rgba(255,255,255,.08);margin-top:10px;font-size:.95rem;word-break:normal;overflow-wrap:break-word;min-width:0}
.plink:hover{background:rgba(255,255,255,.16);color:#fff}
.plink svg{width:22px;height:22px;flex:none;color:var(--amber)}
.person .small{font-size:.92rem;color:#B9C6E0;margin:18px 0 0}
form.panel{color:var(--ink)}
.fg{display:grid;gap:16px}
@media(min-width:620px){.fg.two{grid-template-columns:1fr 1fr}}
.field{margin-bottom:16px}
.field label,.field legend{display:block;font-weight:650;font-size:.95rem;color:var(--navy);margin-bottom:6px}
.field .opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1.5px solid #B8C4D4;border-radius:10px;padding:12px 14px;min-height:48px}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid var(--petrol);outline-offset:1px;border-color:var(--petrol)}
.field input,.field select,.field textarea{scroll-margin-top:110px}
.field [aria-invalid=true]{border-color:#B42318;background:#FFF6F5}
.err{display:block;color:#B42318;font-size:.9rem;font-weight:600;margin-top:5px;min-height:0}
.hint{font-size:.88rem;color:var(--muted);margin-top:5px}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.privacy-note{font-size:.93rem;color:var(--muted);margin:4px 0 16px}
.status{border-radius:10px;padding:14px 16px;margin-top:16px;font-size:.98rem}
.status:empty{display:none}
.status.error{background:#FFF1F0;border:1.5px solid #E8A39C;color:#7A1A12}
.status.ok{background:#E9F7EF;border:1.5px solid #8CCBA5;color:#0F4A2A}
.status a{color:inherit;font-weight:700}
.spinner{width:18px;height:18px;border:3px solid rgba(26,18,3,.3);border-top-color:#1A1203;border-radius:50%;animation:sp .7s linear infinite;display:none}
.loading .spinner{display:inline-block}
@keyframes sp{to{transform:rotate(360deg)}}
.success{text-align:center;padding:36px 12px}
.success svg{width:56px;height:56px;margin:0 auto 14px}

/* Footer */
footer{background:var(--navy-2);color:#B9C6E0;padding:48px 0 32px;font-size:.95rem}
footer a{color:#DCE6F7}
footer h2{font-size:1.1rem;color:#fff;margin-bottom:10px}
.fgrid{display:grid;gap:28px;margin-bottom:28px}
@media(min-width:860px){.fgrid{grid-template-columns:1.1fr 1fr}}
footer details{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.14);scroll-margin-top:72px}
footer summary{color:#fff}
footer summary::after{border-color:var(--amber)}
footer details .a{color:#C9D5EA}
footer details h3{color:#fff;font-size:1rem;margin-top:1.3em}
footer details ul{padding-left:20px}
.legalline{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:.88rem;line-height:1.55}
.flinks{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:10px}

/* Nachbesserung */
.top-r{display:flex;align-items:center;gap:10px}
.btn-sm .s{display:none}
@media(max-width:479px){.btn-sm .l{display:none}.btn-sm .s{display:inline}}
@media(max-width:359px){.top .wrap{gap:6px;padding:0 12px}.btn-sm{padding:8px 9px;font-size:.82rem}.brand{font-size:.9rem;gap:6px}.brand svg{width:24px;height:24px}.top-r{gap:6px}.menu>summary{padding:8px 9px;font-size:.82rem}}
.menu{border:0;background:transparent;margin:0;border-radius:0}
.menu>summary{padding:8px 12px;min-height:40px;display:flex;align-items:center;color:#fff;font-size:.9rem;font-weight:650;border:1.5px solid rgba(255,255,255,.4);border-radius:10px;white-space:nowrap}
.menu>summary::after{display:none}
.menu[open]>summary{background:rgba(255,255,255,.12)}
.menu nav{position:absolute;left:0;right:0;top:60px;background:var(--navy-2);border-bottom:3px solid var(--amber);padding:6px 20px 14px;display:grid;box-shadow:0 12px 24px rgba(0,0,0,.25)}
.menu nav a{color:#fff;text-decoration:none;font-weight:600;padding:13px 4px;border-bottom:1px solid rgba(255,255,255,.12)}
.menu nav a:last-child{border-bottom:0}
.menu:not([open]) nav{display:none}
.row span:first-child{min-width:0;overflow-wrap:anywhere;hyphens:auto}
@media(min-width:1100px){.menu{display:none}}
.kpi.tax b{font-size:1.55rem;line-height:1.2}
.kpi b span{white-space:nowrap}
.riskband{background:var(--bg);padding:28px 0 0}
.riskband .risk{margin:0}
.risk.short{padding:20px 22px;border-width:2px}
.risk.short h2{font-size:1.2rem;margin-bottom:.45em;display:flex;gap:10px;align-items:center}
.risk.short h2 svg{width:26px;height:26px;flex:none}
.risk a{color:var(--navy);font-weight:700}
.yr.fin{border-color:#B8C4D4;background:var(--bg)}
@media(min-width:620px){.yr.fin{grid-column:1/-1}}
.warn{background:#FFF1F0;border:1.5px solid #E8A39C;color:#7A1A12;border-radius:8px;padding:10px 12px;font-weight:600}
.yr p.warn{color:#7A1A12;margin-top:12px}
.partners-h{margin:30px 0 0;font-size:1.05rem}
.partners-h+.partners{margin-top:12px}
.flow-note{margin:16px 0 0}
.sp{margin:22px 0 34px}
.mt{margin-top:18px}
.photo-fallback figcaption,.figcap{font-size:.85rem;color:#C9D5EA;padding:0 4px 8px;text-align:center}
figure.photo-fallback{margin:18px 0 0}
html:not(.js) .needs-js{display:none}
.nojs{background:var(--amber-l);border:2px solid var(--amber);border-radius:10px;padding:14px 16px;margin:0}
.legal{max-width:820px;padding-top:48px;padding-bottom:64px}
.legal h1{font-size:clamp(1.8rem,4.5vw,2.5rem)}
.legal h2{font-size:1.25rem;margin-top:1.6em}
.legal ul{padding-left:22px}
.legal li{margin:.4em 0}
.legal .box{border:2px solid var(--amber);background:var(--amber-l);border-radius:12px;padding:16px 20px}
.legal .box p:last-child{margin:0}
.back{display:inline-block;margin-bottom:18px;font-weight:650}