/* ===================================================================
   ARTICLE — aus dem Bestand extrahiert und dedupliziert.
   Quelle: 11 Seiten.  Setzt tokens.css und base.css voraus.
   =================================================================== */

} .author-trust-box {
    display: grid;
    grid-template-columns: 120px 1fr;
    gap: 1.5rem;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border: 1px solid rgba(200,164,94,0.3);
    border-radius: var(--radius);
    padding: 1.5rem;
    margin-top: 2rem;
    } .author-portrait img { width: 100%;
    border-radius: var(--radius-sm);
    border: 2px solid var(--accent);
    } .author-info h3 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--accent);
    margin-bottom: 0.5rem;
    } .author-info p { font-size: 0.9rem;
    color: #e8e0d0;
    line-height: 1.6;
    } .author-badges { display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin: 0.75rem 0;
    } .badge-ihk, .badge-rating { display: inline-block;
    padding: 0.25rem 0.75rem;
    background: rgba(200,164,94,0.15);
    border-radius: 20px;
    font-size: 0.78rem;
    font-weight: 600;
    } .badge-ihk { color: var(--accent-light);
    } .badge-rating a { color: var(--accent);
    text-decoration: none;
    } .badge-rating a:hover { text-decoration: underline;
    } .author-disclaimer { font-size: 0.8rem !important;
    color: #8a9b8f !important;
    margin-top: 0.5rem;
    padding-top: 0.75rem;
    border-top: 1px solid rgba(200,164,94,0.2);
    } .related-articles { margin-top: 2rem;
    padding: 1.5rem;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    } .related-articles h3 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 1rem;
    } .related-articles-grid { display: grid;
    gap: 0.75rem;
    } .related-article-link { display: block;
    padding: 0.75rem 1rem;
    background: var(--bg-alt);
    border-radius: var(--radius-sm);
    color: var(--text);
    text-decoration: none;
    font-weight: 500;
    font-size: 0.9rem;
    transition: var(--transition);
    } .related-article-link:hover { background: var(--accent-light);
    color: var(--primary);
    transform: translateX(4px);
    } .contextual-cta { margin-top: 3rem;
    padding: 2rem;
    background: var(--primary);
    border-radius: var(--radius);
    border-top: 3px solid var(--accent);
    text-align: center;
    } .contextual-cta p { color: var(--surface);
    font-size: 1.05rem;
    font-weight: 500;
    margin-bottom: 1.25rem;
    line-height: 1.7;
    } .contextual-cta-btn { display: inline-block;
    background: var(--accent);
    color: var(--primary);
    padding: 0.85rem 2rem;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    transition: var(--transition);
    } .contextual-cta-btn:hover { background: var(--accent-light);
    transform: translateY(-2px);
    } @media (max-width: 768px) { body { padding-bottom: 60px;
}

.service-links-grid { grid-template-columns: 1fr; }

.author-trust-box { grid-template-columns: 1fr; text-align: center; }

.author-portrait { max-width: 120px; margin: 0 auto; }

} @media (max-width: 480px) { .footer-inner { grid-template-columns: 1fr; }

} .article-wrapper {
    background-color: #f9f7f3;
    } .article-container { max-width: 820px;
    margin: 0 auto;
    padding: 0 24px;
    } .hero-section { background: var(--primary);
    margin: 0 -9999px;
    padding: 56px 9999px 48px;
    position: relative;
    } .hero-inner { max-width: 780px;
    } .hero-meta { font-size: 13px;
    color: #8a9b8f;
    font-weight: 500;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-bottom: 16px;
    } .hero-section h1 { font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 4.5vw, 40px);
    color: var(--accent);
    line-height: 1.3;
    margin-bottom: 18px;
    } .hero-subtitle { font-size: 18px;
    color: #d4c9a8;
    font-weight: 400;
    margin-bottom: 20px;
    font-style: italic;
    } .hero-divider { width: 80px;
    height: 2px;
    background: var(--accent);
    border: none;
    margin: 0;
    } .hero-category-badge { display: inline-block;
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.78rem;
    font-weight: 600;
    color: #fff;
    margin-bottom: 12px;
    } .hero-date { font-size: 13px;
    color: #8a9b8f;
    font-weight: 400;
    margin-bottom: 16px;
    letter-spacing: 0.3px;
    } .article-body { padding: 36px 0 48px;
    } .article-body p { margin-bottom: 24px;
    font-size: 17px;
    color: #1a2332;
    line-height: 1.8;
    } .article-body h2 { font-family: 'Playfair Display', serif;
    font-size: 26px;
    color: #1a2332;
    margin-top: 60px;
    margin-bottom: 20px;
    line-height: 1.35;
    padding-bottom: 10px;
    border-top: 2px solid rgba(200, 164, 94, 0.3);
    border-bottom: 2px solid var(--accent);
    padding-top: 12px;
    scroll-margin-top: 80px;
    } .article-body h2:first-child { margin-top: 0;
    border-top: none;
    padding-top: 0;
    } .article-body h3 { font-family: 'Playfair Display', serif;
    font-size: 20px;
    color: #2c3e50;
    margin-top: 36px;
    margin-bottom: 14px;
    } .article-body ul, .article-body ol { margin-bottom: 24px;
    padding-left: 0;
    list-style: none;
    } .article-body li { margin-bottom: 10px;
    font-size: 17px;
    color: #1a2332;
    padding-left: 24px;
    position: relative;
    } .article-body li::before { content: '';
    position: absolute;
    left: 0;
    top: 11px;
    width: 6px;
    height: 6px;
    background: var(--accent);
    border-radius: 50%;
    } .article-body a { color: var(--accent-dark);
    text-decoration: none;
    font-weight: 500;
    border-bottom: 1px solid rgba(184, 134, 11, 0.3);
    transition: color 0.2s, border-color 0.2s;
    } .article-body a:hover { color: #8b6508;
    border-color: rgba(184, 134, 11, 0.6);
    } .info-box { background: #eef3f8;
    border-left: 4px solid #4a7ab5;
    padding: 20px 24px;
    margin: 28px 0;
    border-radius: 0 8px 8px 0;
    } .info-box p { color: #1a2332;
    margin-bottom: 8px;
    } .info-box p:last-child { margin-bottom: 0;
    } .info-box-icon { font-size: 20px;
    margin-right: 6px;
    vertical-align: middle;
    } .warning-box { background: #fff8e1;
    border-left: 4px solid #f9a825;
    padding: 20px 24px;
    margin: 28px 0;
    border-radius: 0 8px 8px 0;
    } .warning-box p { color: #1a2332;
    margin-bottom: 8px;
    } .warning-box p:last-child { margin-bottom: 0;
    } .warning-box-icon { font-size: 20px;
    margin-right: 6px;
    vertical-align: middle;
    } .summary-box { background: #fdf6e3;
    border: 1px solid #e8d9a8;
    border-left: 4px solid var(--accent);
    padding: 20px 24px;
    margin: 28px 0;
    border-radius: 0 8px 8px 0;
    } .summary-box p { color: #1a2332;
    margin-bottom: 0;
    } .summary-box-icon { font-size: 18px;
    margin-right: 6px;
    vertical-align: middle;
    } .fade-in { opacity: 1;
    transform: none;
    } .fade-in.animate { opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.8s ease, transform 0.8s ease;
    } .fade-in.visible { opacity: 1;
    transform: translateY(0);
    } @media (prefers-reduced-motion: reduce) { .fade-in, .fade-in.animate { opacity: 1;
    transform: none;
    transition: none;
}

} @media (max-width: 768px) { .hero-section { padding: 40px 9999px 36px; }

.hero-section h1 { font-size: 26px; }

.hero-subtitle { font-size: 16px; }

.toc-toggle { display: inline-block; }

.toc-list.collapsed { display: none; }

.cta-section { padding: 32px 24px; }

.cta-section h2 { font-size: 24px; }

.mid-cta { padding: 24px 20px; }

} @media (max-width: 480px) { .article-container { padding: 0 16px; }

.hero-section { padding: 32px 9999px 28px; }

.cta-contact { flex-direction: column; gap: 12px; }

} .footer {
    background: #071a12;
    color: var(--white);
    padding: 4rem 2rem 1.5rem;
    } .footer-inner { max-width: 1200px;
    margin: 0 auto;
    } .footer-grid { display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 2.5rem;
    margin-bottom: 2.5rem;
    } .footer-brand-name { font-family: 'Playfair Display', serif;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.25rem;
    } .footer-brand-role { color: var(--accent);
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 1rem;
    } .footer-brand-desc { font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.7;
    margin-bottom: 1.25rem;
    } .footer-trust-badges { display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    } .footer-trust-badge { background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-sm);
    padding: 0.4rem 0.75rem;
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.85);
    } .footer h4 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--accent);
    margin-bottom: 1.25rem;
    } .footer p, .footer a { font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.7;
    } .footer a { text-decoration: none;
    display: block;
    margin-bottom: 0.35rem;
    transition: var(--transition);
    } .footer a:hover { color: var(--accent);
    padding-left: 0.25rem;
    } .footer-contact-item { display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    margin-bottom: 0.75rem;
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.65);
    } .footer-contact-item .icon { color: var(--accent);
    font-size: 1rem;
    flex-shrink: 0;
    margin-top: 0.1rem;
    } .footer-contact-item a { color: rgba(255, 255, 255, 0.65);
    display: inline;
    margin-bottom: 0;
    } .footer-contact-item a:hover { color: var(--accent);
    padding-left: 0;
    } .footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    } .footer-bottom p { font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.4);
    } .footer-bottom-links { display: flex;
    gap: 1.5rem;
    } .footer-bottom-links a { font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.4);
    display: inline;
    margin-bottom: 0;
    } .footer-bottom-links a:hover { color: var(--accent);
    padding-left: 0;
    } @media (max-width: 768px) { nav.open { display: flex !important;
    flex-direction: column !important;
    position: fixed !important;
    top: 70px !important;
    left: 0 !important;
    right: 0 !important;
    bottom: 0 !important;
    background: rgba(250, 250, 247, 0.98) !important;
    padding: 1.5rem !important;
    z-index: 999 !important;
    overflow-y: auto !important;
    gap: 0 !important;
}

.page-hero {
    padding: 8rem 2rem 4rem;
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
}

.page-hero .breadcrumb {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 1.5rem;
}

.page-hero .breadcrumb a { color: var(--accent); text-decoration: none; }

.page-hero .breadcrumb a:hover { text-decoration: underline; }

.page-hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem;
    line-height: 1.15;
    color: var(--primary);
    margin-bottom: 1rem;
}

.page-hero h1 .accent { color: var(--accent); }

.page-hero .subtitle {
    font-size: 1.15rem;
    color: var(--text-light);
    max-width: 700px;
    margin: 0 auto 2rem;
}

.category-badge {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    padding: 0.35rem 1rem;
    border-radius: 999px;
    margin-bottom: 1.25rem;
}

.category-badge[data-category="disability"] { background: #7c3aed; color: #fff; }

.article-meta {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 2rem;
}

.article-meta strong { color: var(--primary); }

.content-section {
    padding: 3rem 2rem;
    max-width: 900px;
    margin: 0 auto;
}

.content-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 1rem;
    line-height: 1.2;
}

.content-section h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem;
    color: var(--primary);
    margin-bottom: 0.75rem;
    margin-top: 2rem;
}

.content-section p {
    font-size: 1rem;
    color: var(--text-light);
    margin-bottom: 1rem;
    line-height: 1.7;
}

.content-section ul,
.content-section ol {
    margin: 0.5rem 0 1.5rem 1.5rem;
    color: var(--text-light);
}

.content-section li { margin-bottom: 0.5rem; line-height: 1.6; }

.section-label {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    color: var(--accent);
    margin-bottom: 0.75rem;
}

.section-alt { background: var(--bg-alt); }

.comparison-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    margin: 2rem 0;
    background: var(--white);
}

.comparison-table thead th {
    background: var(--primary);
    color: var(--white);
    padding: 1rem 1.25rem;
    font-size: 0.9rem;
    font-weight: 600;
    text-align: left;
}

.comparison-table thead th:first-child { width: 30%; }

.comparison-table tbody td {
    padding: 0.85rem 1.25rem;
    font-size: 0.9rem;
    color: var(--text);
    border-bottom: 1px solid var(--border);
}

.comparison-table tbody td:first-child { font-weight: 600; color: var(--primary); }

.comparison-table tbody tr:last-child td { border-bottom: none; }

.comparison-table tbody tr:hover { background: var(--bg-alt); }

.pullquote {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: var(--white);
    border-radius: var(--radius);
    padding: 2rem 2.5rem;
    margin: 2rem 0;
    font-size: 1.05rem;
    line-height: 1.8;
}

.pullquote strong { color: var(--accent); }

.info-box {
    background: var(--primary);
    color: var(--white);
    border-radius: var(--radius);
    padding: 2rem;
    margin: 2rem 0;
}

.info-box h3 {
    color: var(--accent);
    font-size: 1.2rem;
    margin-bottom: 0.75rem;
    margin-top: 0;
}

.info-box p { color: rgba(255,255,255,0.9); margin-bottom: 0.5rem; }

.info-box .highlight {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    color: var(--accent);
    font-weight: 700;
}

.warning-box {
    background: #fff3e0;
    border-left: 4px solid #e67e22;
    border-radius: var(--radius-sm);
    padding: 1.5rem 2rem;
    margin: 2rem 0;
}

.warning-box h3 {
    color: #e67e22;
    margin-top: 0;
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
}

.warning-box p { color: var(--text); margin-bottom: 0.25rem; }

.cta-banner {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: var(--white);
    border-radius: var(--radius);
    padding: 3rem 2rem;
    text-align: center;
    margin: 2rem 0;
}

.cta-banner h2 {
    font-family: 'Playfair Display', serif;
    font-size: 1.8rem;
    color: var(--accent);
    margin-bottom: 0.75rem;
}

.cta-banner p {
    font-size: 1rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 1.5rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.cta-banner .trust-line {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 1.25rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 1rem 2rem;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 1rem;
    text-decoration: none;
    transition: var(--transition);
    cursor: pointer;
    border: none;
}

.cta-banner .btn-primary,
.info-box .btn-primary { background: var(--accent); color: var(--primary); }

.cta-banner .btn-primary:hover,
.info-box .btn-primary:hover {
    background: var(--accent-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline {
    background: transparent;
    color: var(--accent);
    border: 2px solid var(--accent);
}

.btn-outline:hover { background: var(--accent); color: var(--primary); }

.cta-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

.author-trust-box {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: var(--white);
    border-radius: var(--radius);
    padding: 2.5rem 2rem;
    margin: 2.5rem 0;
    display: flex;
    gap: 2rem;
    align-items: center;
}

.author-trust-box .author-photo {
    width: 100px;
    height: 100px;
    border-radius: 50%;
    border: 3px solid var(--accent);
    object-fit: cover;
    flex-shrink: 0;
}

.author-trust-box .author-info h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem;
    color: var(--accent);
    margin-bottom: 0.5rem;
    margin-top: 0;
}

.author-trust-box .author-info p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 0.35rem;
    line-height: 1.6;
}

.author-trust-box .author-info .regs { font-size: 0.8rem; color: rgba(255,255,255,0.65); }

.author-trust-box .author-info .disclaimer {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.55);
    margin-top: 0.75rem;
    font-style: italic;
}

.sources-section {
    margin-top: 2rem;
    padding-top: 1.5rem;
    border-top: 1px solid var(--border);
}

.sources-section h3 {
    font-size: 1rem;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.sources-section ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.sources-section li {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 0.35rem;
    padding-left: 1rem;
    position: relative;
}

.sources-section li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--accent);
}

.legal-disclaimer {
    font-size: 0.82rem;
    color: var(--text-light);
    font-style: italic;
    margin-top: 1.5rem;
    padding: 1rem;
    background: var(--bg-alt);
    border-radius: var(--radius-sm);
}

.category-badge[data-category="health-insurance"] { background: #3b82f6; color: #fff; }

.check { color: var(--success); font-weight: 700; }

.cross { color: var(--danger); font-weight: 700; }

.decision-cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 2rem 0;
}

.decision-card {
    background: var(--white);
    border: 2px solid var(--border);
    border-radius: var(--radius);
    padding: 2rem;
    transition: var(--transition);
}

.decision-card:hover { border-color: var(--accent); box-shadow: var(--shadow); }

.decision-card h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.2rem;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.decision-card ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.decision-card li {
    font-size: 0.88rem;
    color: var(--text-light);
    padding: 0.3rem 0;
    padding-left: 1.25rem;
    position: relative;
}

.decision-card li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--accent);
    font-weight: 700;
}

.warning-box ul { margin: 0.5rem 0 0 1.5rem; }

.warning-box li { color: var(--text); margin-bottom: 0.35rem; }

.key-takeaways {
    background: var(--primary);
    color: var(--white);
    border-radius: var(--radius);
    padding: 2rem;
    margin: 2rem 0;
}

.key-takeaways h3 {
    color: var(--accent);
    font-size: 1.2rem;
    margin-bottom: 0.75rem;
    margin-top: 0;
}

.key-takeaways ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.key-takeaways li {
    font-size: 0.92rem;
    color: rgba(255,255,255,0.9);
    padding: 0.4rem 0;
    padding-left: 1.5rem;
    position: relative;
    line-height: 1.6;
}

.key-takeaways li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--accent);
    font-weight: 700;
}

.cta-trust {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.65);
    margin-top: 1rem;
}

.author-box {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 2rem;
    margin: 2rem 0;
    display: flex;
    gap: 1.5rem;
    align-items: flex-start;
}

.author-box .author-info h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 0.25rem;
}

.author-box .author-info p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0.25rem;
    line-height: 1.6;
}

.author-box .author-info .credentials {
    font-size: 0.8rem;
    color: var(--accent);
    font-weight: 600;
}

.sources-section { margin: 2rem 0; }

.sources-section h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.sources-section p {
    font-size: 0.85rem;
    color: var(--text-light);
    line-height: 1.7;
}

.disclaimer {
    font-size: 0.85rem;
    color: var(--text-light);
    font-style: italic;
    border-top: 1px solid var(--border);
    padding-top: 1.5rem;
    margin-top: 2rem;
    line-height: 1.6;
}

.priority-list { margin: 2rem 0; }

.priority-item {
    background: var(--white);
    border: 2px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    margin-bottom: 1rem;
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 1.25rem;
    align-items: start;
    transition: var(--transition);
}

.priority-item:hover { border-color: var(--accent); box-shadow: var(--shadow); }

.priority-item .priority-num {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--accent);
    line-height: 1;
}

.priority-item .priority-content h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 0.35rem;
}

.priority-item .priority-content p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0;
}

.priority-item .priority-tag {
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    padding: 0.3rem 0.75rem;
    border-radius: var(--radius-sm);
    white-space: nowrap;
}

.priority-tag.mandatory { background: #e8f5e9; color: var(--success); }

.priority-tag.essential { background: #fff3e0; color: #e67e22; }

.priority-tag.recommended { background: #e3f2fd; color: #1976d2; }

.priority-tag.optional { background: #f3e5f5; color: #7b1fa2; }

.timeline-steps { margin: 2rem 0; position: relative; }

.timeline-steps::before {
    content: '';
    position: absolute;
    left: 24px;
    top: 40px;
    bottom: 20px;
    width: 2px;
    background: var(--border);
}

.timeline-step {
    display: flex;
    gap: 1.5rem;
    margin-bottom: 2rem;
    position: relative;
}

.timeline-step .step-dot {
    width: 50px;
    height: 50px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    flex-shrink: 0;
    z-index: 1;
}

.timeline-step .step-content h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 0.35rem;
}

.timeline-step .step-content p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0.25rem;
}

.timeline-step .step-time {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--accent);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 0.25rem;
}

.insurance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 2rem 0;
}

.insurance-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: var(--transition);
}

.insurance-card:hover { border-color: var(--accent); box-shadow: var(--shadow); }

.insurance-card h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
}

.insurance-card .card-label {
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    padding: 0.2rem 0.6rem;
    border-radius: var(--radius-sm);
    display: inline-block;
    margin-bottom: 0.5rem;
}

.insurance-card .card-label.mandatory { background: #e8f5e9; color: var(--success); }

.insurance-card .card-label.essential { background: #fff3e0; color: #e67e22; }

.insurance-card .card-label.recommended { background: #e3f2fd; color: #1976d2; }

.insurance-card .card-label.optional { background: #f3e5f5; color: #7b1fa2; }

.insurance-card p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0.5rem;
}

.insurance-card .cost {
    font-weight: 600;
    color: var(--primary);
    font-size: 0.95rem;
}

\n @media (prefers-reduced-motion: reduce) {
    .fade-in, .fade-in.animate { opacity: 1;
    transform: none;
    transition: none;
    };
}

.btn-secondary {
    background: transparent;
    color: var(--accent);
    border: 1px solid var(--accent);
}

.btn-secondary:hover { background: rgba(200,164,94,0.15); }

.btn-whatsapp { background: #25d366; color: #fff; }

.btn-whatsapp:hover { background: #1da851; transform: translateY(-2px); }

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
}

.disclaimer-box {
    background: var(--bg-alt);
    border-left: 4px solid var(--accent);
    border-radius: var(--radius-sm);
    padding: 1.5rem 2rem;
    margin: 2rem 0;
}

.disclaimer-box p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0;
    font-style: italic;
}

} .author-trust-box {
    display: grid;
    grid-template-columns: 120px 1fr;
    gap: 1.5rem;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    margin-top: 2rem;
    } .author-portrait img { width: 100%;
    border-radius: var(--radius-sm);
    } .author-info h3 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
    } .author-info p { font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
    } .author-badges { display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin: 0.75rem 0;
    } .badge-ihk, .badge-rating { display: inline-block;
    padding: 0.25rem 0.75rem;
    background: var(--bg-alt);
    border-radius: 20px;
    font-size: 0.78rem;
    font-weight: 600;
    } .badge-ihk { color: var(--primary);
    } .badge-rating a { color: var(--accent);
    text-decoration: none;
    } .badge-rating a:hover { text-decoration: underline;
    } .author-disclaimer { font-size: 0.8rem !important;
    color: var(--text-light) !important;
    margin-top: 0.5rem;
    padding-top: 0.75rem;
    border-top: 1px solid var(--border);
    } .related-articles { margin-top: 2rem;
    padding: 1.5rem;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    } .related-articles h3 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 1rem;
    } .related-articles-grid { display: grid;
    gap: 0.75rem;
    } .related-article-link { display: block;
    padding: 0.75rem 1rem;
    background: var(--bg-alt);
    border-radius: var(--radius-sm);
    color: var(--text);
    text-decoration: none;
    font-weight: 500;
    font-size: 0.9rem;
    transition: var(--transition);
    } .related-article-link:hover { background: var(--accent-light);
    color: var(--primary);
    transform: translateX(4px);
    } .service-links-block { margin-top: 1.5rem;
    padding: 1.5rem;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    } .service-links-block h3 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 1rem;
    } .service-links-grid { display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
    } .service-link-card { display: block;
    padding: 0.75rem 1rem;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    color: var(--text);
    text-decoration: none;
    font-weight: 500;
    font-size: 0.9rem;
    transition: var(--transition);
    } .service-link-card:hover { border-color: var(--accent);
    color: var(--primary);
    } .contextual-cta { margin-top: 2rem;
    padding: 2rem;
    background: var(--primary);
    border-radius: var(--radius);
    border-top: 3px solid var(--accent);
    text-align: center;
    } .contextual-cta p { color: #d4c9a8;
    font-size: 1rem;
    margin-bottom: 1.25rem;
    line-height: 1.7;
    } .contextual-cta-btn { display: inline-block;
    background: var(--accent);
    color: var(--primary);
    padding: 0.85rem 2rem;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    transition: var(--transition);
    } .contextual-cta-btn:hover { background: var(--accent-light);
    transform: translateY(-2px);
    } @media (max-width: 768px) { body { padding-bottom: 60px;
}

} .article-wrapper {
    background-color: #f9f7f3;
    } .article-container { max-width: 820px;
    margin: 0 auto;
    padding: 0 24px;
    } .hero-section { background: var(--primary);
    margin: 0 -9999px;
    padding: 56px 9999px 48px;
    position: relative;
    } .hero-inner { max-width: 780px;
    } .hero-meta { font-size: 13px;
    color: #8a9b8f;
    font-weight: 500;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-bottom: 16px;
    } .hero-section h1 { font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 4.5vw, 40px);
    color: var(--accent);
    line-height: 1.3;
    margin-bottom: 18px;
    } .hero-subtitle { font-size: 18px;
    color: #d4c9a8;
    font-weight: 400;
    margin-bottom: 20px;
    font-style: italic;
    } .hero-divider { width: 80px;
    height: 2px;
    background: var(--accent);
    border: none;
    margin: 0;
    } .hero-category-badge { display: inline-block;
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.78rem;
    font-weight: 600;
    color: #fff;
    margin-bottom: 12px;
    } .article-body { padding: 36px 0 48px;
    } .article-body p { margin-bottom: 24px;
    font-size: 17px;
    color: #1a2332;
    line-height: 1.8;
    } .article-body h2 { font-family: 'Playfair Display', serif;
    font-size: 26px;
    color: #1a2332;
    margin-top: 60px;
    margin-bottom: 20px;
    line-height: 1.35;
    padding-bottom: 10px;
    border-top: 2px solid rgba(200, 164, 94, 0.3);
    border-bottom: 2px solid var(--accent);
    padding-top: 12px;
    scroll-margin-top: 80px;
    } .article-body h2:first-child { margin-top: 0;
    border-top: none;
    padding-top: 0;
    } .article-body h3 { font-family: 'Playfair Display', serif;
    font-size: 20px;
    color: #2c3e50;
    margin-top: 36px;
    margin-bottom: 14px;
    } .article-body ul, .article-body ol { margin-bottom: 24px;
    padding-left: 0;
    list-style: none;
    } .article-body li { margin-bottom: 10px;
    font-size: 17px;
    color: #1a2332;
    padding-left: 24px;
    position: relative;
    } .article-body li::before { content: '';
    position: absolute;
    left: 0;
    top: 11px;
    width: 6px;
    height: 6px;
    background: var(--accent);
    border-radius: 50%;
    } .article-body a { color: var(--accent-dark);
    text-decoration: none;
    font-weight: 500;
    border-bottom: 1px solid rgba(184, 134, 11, 0.3);
    transition: color 0.2s, border-color 0.2s;
    } .article-body a:hover { color: #8b6508;
    border-color: rgba(184, 134, 11, 0.6);
    } .info-box { background: #eef3f8;
    border-left: 4px solid #4a7ab5;
    padding: 20px 24px;
    margin: 28px 0;
    border-radius: 0 8px 8px 0;
    } .info-box p { color: #1a2332;
    margin-bottom: 8px;
    } .info-box p:last-child { margin-bottom: 0;
    } .info-box-icon { font-size: 20px;
    margin-right: 6px;
    vertical-align: middle;
    } .warning-box { background: #fff8e1;
    border-left: 4px solid #f9a825;
    padding: 20px 24px;
    margin: 28px 0;
    border-radius: 0 8px 8px 0;
    } .warning-box p { color: #1a2332;
    margin-bottom: 8px;
    } .warning-box p:last-child { margin-bottom: 0;
    } .warning-box-icon { font-size: 20px;
    margin-right: 6px;
    vertical-align: middle;
    } .summary-box { background: #fdf6e3;
    border: 1px solid #e8d9a8;
    border-left: 4px solid var(--accent);
    padding: 20px 24px;
    margin: 28px 0;
    border-radius: 0 8px 8px 0;
    } .summary-box p { color: #1a2332;
    margin-bottom: 0;
    } .summary-box-icon { font-size: 18px;
    margin-right: 6px;
    vertical-align: middle;
    } .decision-grid { display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 32px 0 0;
    } .decision-card { border-radius: 10px;
    padding: 24px 24px 20px;
    } .decision-card-pkv { background: #e8f5e9;
    border: 1px solid #c8e6c9;
    } .decision-card-gkv { background: #e3f2fd;
    border: 1px solid #bbdefb;
    } .decision-card h3 { margin-top: 0 !important;
    margin-bottom: 14px !important;
    font-size: 18px !important;
    display: flex;
    align-items: center;
    gap: 8px;
    } .decision-card-pkv h3 { color: #2e7d32;
    } .decision-card-gkv h3 { color: #1565c0;
    } .check-item { display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 10px;
    font-size: 15px;
    color: #1a2332;
    line-height: 1.6;
    } .check-item:last-child { margin-bottom: 0;
    } .check-icon-green { color: #2e7d32;
    font-weight: 700;
    font-size: 16px;
    flex-shrink: 0;
    margin-top: 2px;
    } .check-icon-blue { color: #1565c0;
    font-weight: 700;
    font-size: 16px;
    flex-shrink: 0;
    margin-top: 2px;
    } .check-icon-amber { color: #e65100;
    font-weight: 700;
    font-size: 16px;
    flex-shrink: 0;
    margin-top: 2px;
    } .vorsicht-card { background: #fff3e0;
    border: 1px solid #ff9800;
    border-radius: 10px;
    padding: 24px 24px 20px;
    margin-top: 20px;
    margin-bottom: 32px;
    } .vorsicht-card h3 { margin-top: 0 !important;
    margin-bottom: 14px !important;
    font-size: 18px !important;
    color: #e65100;
    display: flex;
    align-items: center;
    gap: 8px;
    } .comparison-table { width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    margin: 2rem 0;
    background: var(--white);
    } .comparison-table thead th { background: var(--primary);
    color: var(--white);
    padding: 1rem 1.25rem;
    font-size: 0.9rem;
    font-weight: 600;
    text-align: left;
    } .comparison-table thead th:first-child { width: 30%;
    } .comparison-table tbody td { padding: 0.85rem 1.25rem;
    font-size: 0.9rem;
    color: var(--text);
    border-bottom: 1px solid var(--border);
    } .comparison-table tbody td:first-child { font-weight: 600;
    color: var(--primary);
    } .comparison-table tbody tr:last-child td { border-bottom: none;
    } .comparison-table tbody tr:hover { background: var(--bg-alt);
    } .check { color: var(--success);
    font-weight: 700;
    } .cross { color: var(--danger);
    font-weight: 700;
    } .comparison-wrapper { margin: 32px 0;
    } .comp-header { padding: 14px 18px;
    font-weight: 700;
    font-size: 15px;
    color: #fff;
    display: flex;
    align-items: center;
    } .comp-header-label { background: #5a6b5f;
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    } .comp-header-gkv { background: #2c3e50;
    justify-content: center;
    } .comp-header-pkv { background: var(--primary);
    justify-content: center;
    border-bottom: 2px solid var(--accent);
    } .comp-label { padding: 12px 18px;
    font-weight: 600;
    color: #5a6b5f;
    font-size: 14px;
    display: flex;
    align-items: center;
    border-bottom: 1px solid #f0ede6;
    border-right: 1px solid #f0ede6;
    } .comp-gkv { padding: 12px 18px;
    font-size: 15px;
    color: #1a2332;
    line-height: 1.5;
    border-bottom: 1px solid #f0ede6;
    border-right: 1px solid #f0ede6;
    } .comp-pkv { padding: 12px 18px;
    font-size: 15px;
    color: #1a2332;
    line-height: 1.5;
    border-bottom: 1px solid #f0ede6;
    } .mid-cta { background: #fdf8ee;
    border: 1px solid rgba(200, 164, 94, 0.35);
    border-radius: 10px;
    padding: 28px 32px;
    margin: 36px 0;
    text-align: center;
    } .mid-cta p { font-size: 16px;
    color: #1a2332;
    margin-bottom: 18px;
    line-height: 1.7;
    } .mid-cta-btn { display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--primary);
    color: var(--accent);
    padding: 12px 32px;
    border-radius: 6px;
    font-weight: 600;
    font-size: 15px;
    text-decoration: none;
    transition: background 0.2s, color 0.2s;
    border: none;
    cursor: pointer;
    } .mid-cta-btn:hover { background: #0d3a28;
    color: var(--accent-light);
    } .section-separator { border: none;
    border-top: 1px solid #e0dbd0;
    margin: 0;
    } .cta-section { background: var(--primary);
    border-radius: 12px;
    padding: 48px 40px;
    margin-top: 48px;
    text-align: center;
    border-top: 3px solid var(--accent);
    } .cta-section h2 { font-family: 'Playfair Display', serif;
    font-size: 28px;
    color: var(--accent);
    margin-top: 0;
    margin-bottom: 16px;
    padding-bottom: 0;
    border-bottom: none;
    border-top: none;
    } .cta-section p { font-size: 17px;
    color: #d4c9a8;
    margin-bottom: 24px;
    line-height: 1.7;
    } .cta-contact { display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 24px;
    margin-bottom: 24px;
    } .cta-contact a { color: var(--accent);
    text-decoration: none;
    font-weight: 600;
    font-size: 16px;
    transition: color 0.2s;
    border-bottom: none;
    } .cta-contact a:hover { color: var(--accent-light);
    } .cta-main-btn { display: inline-block;
    background: var(--accent);
    color: var(--primary);
    padding: 14px 40px;
    border-radius: 6px;
    font-weight: 700;
    font-size: 16px;
    text-decoration: none;
    transition: background 0.2s, color 0.2s;
    margin-bottom: 24px;
    } .cta-main-btn:hover { background: #d4b876;
    color: var(--primary);
    } .cta-trust { font-size: 13px;
    color: #8a9b8f;
    margin-bottom: 12px;
    line-height: 1.6;
    } .cta-links { margin-top: 16px;
    } .cta-links a { color: var(--accent);
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid rgba(200, 164, 94, 0.3);
    transition: color 0.2s, border-color 0.2s;
    font-size: 15px;
    } .cta-links a:hover { color: var(--accent-light);
    border-color: rgba(200, 164, 94, 0.6);
    } .trust-bar { margin-top: 32px;
    padding: 14px 20px;
    background: #f5f2eb;
    border-radius: 6px;
    text-align: center;
    font-size: 13px;
    color: #5a6b5f;
    line-height: 1.6;
    } .disclaimer { font-size: 13px;
    color: #7a8b7f;
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid #e0dbd0;
    line-height: 1.6;
    } .toc-section { padding: 32px 0 0;
    } .toc-box { background: #f0ede6;
    border: 1px solid #e0dbd0;
    border-left: 4px solid var(--accent);
    border-radius: 8px;
    padding: 24px 28px;
    margin-bottom: 8px;
    } .toc-heading { font-family: 'Playfair Display', serif;
    font-size: 20px;
    color: #1a2332;
    margin-bottom: 14px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    } .toc-toggle { display: none;
    background: none;
    border: 1px solid var(--accent);
    color: var(--accent);
    border-radius: 4px;
    padding: 4px 12px;
    font-size: 13px;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    transition: background 0.2s, color 0.2s;
    } .toc-toggle:hover { background: var(--accent);
    color: #fff;
    } .toc-list { list-style: none;
    padding: 0;
    } .toc-list li { margin-bottom: 8px;
    } .toc-list li:last-child { margin-bottom: 0;
    } .toc-list a { color: #1a2332;
    text-decoration: none;
    font-size: 15px;
    font-weight: 500;
    display: flex;
    align-items: baseline;
    gap: 8px;
    transition: color 0.2s, padding-left 0.2s;
    } .toc-list a:hover { color: var(--accent-dark);
    padding-left: 6px;
    } .toc-number { color: var(--accent);
    font-weight: 700;
    font-size: 16px;
    min-width: 22px;
    } .faq-list { max-width: 800px;
    margin: 0 auto;
    } .faq-item { border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    margin-bottom: 0.75rem;
    background: var(--white);
    overflow: hidden;
    transition: var(--transition);
    } .faq-item:hover { border-color: var(--accent);
    } .faq-question { width: 100%;
    background: none;
    border: none;
    padding: 1.25rem 1.5rem;
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary);
    text-align: left;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: 'Inter', sans-serif;
    transition: var(--transition);
    } .faq-question:hover { color: var(--accent);
    } .faq-question .toggle { font-size: 1.25rem;
    color: var(--accent);
    transition: var(--transition);
    flex-shrink: 0;
    margin-left: 1rem;
    } .faq-item.active .faq-question .toggle { transform: rotate(45deg);
    } .faq-answer { max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
    } .faq-item.active .faq-answer { max-height: 500px;
    } .faq-answer-inner { padding: 0 1.5rem 1.25rem;
    font-size: 0.95rem;
    color: var(--text-light);
    line-height: 1.7;
    } .claim-scenarios { margin: 2rem 0;
    } .claim-card { background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    margin-bottom: 1rem;
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 1rem;
    align-items: center;
    transition: var(--transition);
    } .claim-card:hover { border-color: var(--accent);
    box-shadow: var(--shadow);
    } .claim-card .scenario-icon { font-size: 1.5rem;
    } .claim-card .scenario-text { font-size: 0.95rem;
    color: var(--text-light);
    } .claim-card .scenario-text strong { color: var(--primary);
    } .claim-card .scenario-cost { font-family: 'Playfair Display', serif;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--danger);
    white-space: nowrap;
    } .coverage-grid { display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 2rem 0;
    } .coverage-card { background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    } .coverage-card h4 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
    } .coverage-card .icon { font-size: 1.5rem;
    margin-bottom: 0.5rem;
    display: block;
    } .coverage-card p { font-size: 0.9rem;
    color: var(--text-light);
    } .coverage-card.included { border-color: var(--success);
    } .coverage-card.excluded { border-color: var(--danger);
    opacity: 0.7;
    } .priority-list { margin: 2rem 0;
    } .priority-item { background: var(--white);
    border: 2px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    margin-bottom: 1rem;
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 1.25rem;
    align-items: start;
    transition: var(--transition);
    } .priority-item:hover { border-color: var(--accent);
    box-shadow: var(--shadow);
    } .priority-item .priority-num { font-family: 'Playfair Display', serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--accent);
    line-height: 1;
    } .priority-item .priority-content h4 { font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 0.35rem;
    } .priority-item .priority-content p { font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0;
    } .priority-item .priority-tag { font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    padding: 0.3rem 0.75rem;
    border-radius: var(--radius-sm);
    white-space: nowrap;
    } .priority-tag.mandatory { background: #e8f5e9;
    color: var(--success);
    } .priority-tag.essential { background: #fff3e0;
    color: #e67e22;
    } .priority-tag.recommended { background: #e3f2fd;
    color: #1976d2;
    } .priority-tag.optional { background: #f3e5f5;
    color: #7b1fa2;
    } .timeline-steps { margin: 2rem 0;
    position: relative;
    } .timeline-steps::before { content: '';
    position: absolute;
    left: 24px;
    top: 40px;
    bottom: 20px;
    width: 2px;
    background: var(--border);
    } .timeline-step { display: flex;
    gap: 1.5rem;
    margin-bottom: 2rem;
    position: relative;
    } .timeline-step .step-dot { width: 50px;
    height: 50px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    flex-shrink: 0;
    z-index: 1;
    } .timeline-step .step-content h4 { font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 0.35rem;
    } .timeline-step .step-content p { font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0.25rem;
    } .timeline-step .step-time { font-size: 0.75rem;
    font-weight: 700;
    color: var(--accent);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 0.25rem;
    } .insurance-grid { display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 2rem 0;
    } .insurance-card { background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: var(--transition);
    } .insurance-card:hover { border-color: var(--accent);
    box-shadow: var(--shadow);
    } .insurance-card h4 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
    } .insurance-card .card-label { font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    padding: 0.2rem 0.6rem;
    border-radius: var(--radius-sm);
    display: inline-block;
    margin-bottom: 0.5rem;
    } .insurance-card .card-label.mandatory { background: #e8f5e9;
    color: var(--success);
    } .insurance-card .card-label.essential { background: #fff3e0;
    color: #e67e22;
    } .insurance-card .card-label.recommended { background: #e3f2fd;
    color: #1976d2;
    } .insurance-card .card-label.optional { background: #f3e5f5;
    color: #7b1fa2;
    } .insurance-card p { font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 0.5rem;
    } .insurance-card .cost { font-weight: 600;
    color: var(--primary);
    font-size: 0.95rem;
    } .pillar-grid { display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 1.5rem;
    margin: 2rem 0;
    } .pillar-card { background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: var(--transition);
    } .pillar-card:hover { border-color: var(--accent);
    box-shadow: var(--shadow);
    } .pillar-card .icon { font-size: 1.5rem;
    margin-bottom: 0.5rem;
    display: block;
    } .pillar-card h4 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
    } .pillar-card p { font-size: 0.9rem;
    color: var(--text-light);
    } .comparison-card { background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    } .comparison-card h4 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
    } .comparison-card .icon { font-size: 1.5rem;
    margin-bottom: 0.5rem;
    display: block;
    } .comparison-card p { font-size: 0.9rem;
    color: var(--text-light);
    } .comparison-card.pros { border-color: var(--success);
    } .comparison-card.cons { border-color: var(--danger);
    } .strategy-grid { display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 2rem 0;
    } .strategy-card { background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    } .strategy-card .icon { font-size: 1.5rem;
    margin-bottom: 0.5rem;
    display: block;
    } .strategy-card h4 { font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 0.5rem;
    } .strategy-card p { font-size: 0.9rem;
    color: var(--text-light);
    } .strategy-card ol, .strategy-card ul { margin: 0.5rem 0 0 1.5rem;
    font-size: 0.9rem;
    color: var(--text-light);
    } .strategy-card li { margin-bottom: 0.4rem;
    } .gap-calc-box { background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
    border-radius: var(--radius);
    padding: 2rem;
    margin: 2rem 0;
    border: 1px solid #f59e0b;
    } .gap-calc-box h3 { color: #92400e;
    margin-top: 0;
    font-size: 1.2rem;
    margin-bottom: 1rem;
    } .gap-calc-box .calc-row { display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.75rem 0;
    border-bottom: 1px solid rgba(146, 64, 14, 0.15);
    font-size: 0.95rem;
    } .gap-calc-box .calc-row:last-child { border-bottom: none;
    } .gap-calc-box .calc-label { color: #92400e;
    } .gap-calc-box .calc-value { font-family: 'Playfair Display', serif;
    font-weight: 700;
    color: #78350f;
    font-size: 1.1rem;
    } .gap-calc-box .calc-gap { color: var(--danger);
    font-size: 1.3rem;
    } .category-badge { display: inline-block;
    padding: 0.25rem 0.75rem;
    border-radius: 12px;
    font-size: 0.78rem;
    font-weight: 600;
    color: #fff;
    margin-bottom: 12px;
    } .fade-in { opacity: 1;
    transform: none;
    } .fade-in.animate { opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.8s ease, transform 0.8s ease;
    } .fade-in.visible { opacity: 1;
    transform: translateY(0);
    }\n @media (prefers-reduced-motion: reduce) { .fade-in, .fade-in.animate { opacity: 1;
    transform: none;
    transition: none;
}

.decision-grid { grid-template-columns: 1fr; }

.decision-cards { grid-template-columns: 1fr; }

.comparison-table { font-size: 0.85rem; }

.comparison-table thead th,
.comparison-table tbody td { padding: 0.65rem 0.75rem; }

.coverage-grid { grid-template-columns: 1fr; }

.claim-card { grid-template-columns: 1fr; text-align: center; }

.claim-card .scenario-cost { justify-self: center; }

.insurance-grid { grid-template-columns: 1fr; }

.priority-item { grid-template-columns: 1fr; text-align: center; }

.priority-item .priority-num { justify-self: center; }

.priority-item .priority-tag { justify-self: center; }

.pillar-grid { grid-template-columns: 1fr; }

.strategy-grid { grid-template-columns: 1fr; }

.comparison-table { display: block; overflow-x: auto; }

.keyfact {
    background: var(--primary);
    color: var(--white);
    border-radius: var(--radius);
    padding: 2rem;
    margin: 2rem 0;
}

.keyfact .num {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    color: var(--accent);
    font-weight: 700;
    display: block;
    line-height: 1.1;
}

.keyfact strong { color: var(--white); }

.keyfact p,
.keyfact div { color: rgba(255,255,255,0.9); margin-bottom: 0.5rem; }

.keyfact .keyfact-note {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
    margin-top: 0.5rem;
}

.note-box {
    background: #fff3e0;
    border-left: 4px solid #e67e22;
    border-radius: var(--radius-sm);
    padding: 1.5rem 2rem;
    margin: 2rem 0;
}

.note-box p { color: var(--text); margin-bottom: 0.25rem; }

.checker {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    margin: 2rem 0;
    box-shadow: var(--shadow);
    background: var(--white);
}

.checker__head {
    background: var(--primary);
    color: var(--white);
    padding: 2rem;
}

.checker__head h2 {
    color: var(--accent);
    margin: 0;
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
}

.checker__head p {
    margin: 0.3em 0 0;
    color: rgba(255,255,255,0.75);
    font-size: 0.92rem;
}

.checker__body { padding: 2rem; }

fieldset {
    border: 0;
    margin: 0 0 1rem;
    padding: 0;
}

legend {
    font-weight: 600;
    color: var(--primary);
    padding: 0;
    margin-bottom: 0.5rem;
    font-size: 1rem;
}

.opts { display: grid; gap: 0.5rem; }

.opt {
    display: flex;
    align-items: flex-start;
    gap: 0.625rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.75rem 1rem;
    cursor: pointer;
    background: var(--white);
    transition: var(--transition);
}

.opt:hover { border-color: var(--accent); background: var(--bg-alt); }

.opt input {
    margin-top: 3px;
    accent-color: var(--primary);
    width: 17px;
    height: 17px;
    flex: 0 0 auto;
}

.opt span { font-size: 0.97rem; color: var(--text); }

.hidden { display: none; }

.btn-ghost {
    background: transparent;
    border: 1.5px solid var(--primary);
    color: var(--primary);
}

.btn-ghost:hover { background: var(--bg-alt); color: var(--primary); }

.result {
    margin-top: 1.25rem;
    border-top: 1px dashed var(--border);
    padding-top: 1rem;
}

.result h3 { margin: 0.2em 0 0.4em; }

.result .tag {
    display: inline-block;
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 3px 9px;
    border-radius: 999px;
    margin-bottom: 0.5rem;
}

.tag--yes { background: #e3f1e8; color: #1f6b40; }

.tag--no { background: #f6e4e4; color: #9a3030; }

.tag--maybe { background: #f6efdc; color: #8a6a1f; }

.result__cta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.625rem;
    margin-top: 1rem;
}

.disclaimer-inline {
    font-size: 0.82rem;
    color: var(--text-light);
    margin-top: 0.75rem;
}

.cta-banner .btn-primary { background: var(--white); color: var(--primary); }

.cta-banner .cta-banner .btn-primary:hover,
.info-box .btn-primary:hover { background: var(--bg-alt); }

.cta-banner .btn-ghost {
    background: transparent;
    border-color: rgba(255,255,255,0.5);
    color: var(--white);
}

.cta-banner .btn-ghost:hover { background: rgba(255,255,255,0.1); color: var(--white); }

details {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0 1.25rem;
    margin-bottom: 0.75rem;
    background: var(--white);
    overflow: hidden;
    transition: var(--transition);
}

details:hover { border-color: var(--accent); }

summary {
    cursor: pointer;
    font-weight: 600;
    color: var(--primary);
    padding: 1rem 0;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

summary::-webkit-details-marker { display: none; }

summary::after {
    content: "+";
    color: var(--accent);
    font-weight: 700;
    font-size: 1.25rem;
    flex-shrink: 0;
    margin-left: 1rem;
}

details[open] summary::after { content: "–"; }

details p {
    margin: 0 0 1rem;
    font-size: 0.95rem;
    color: var(--text-light);
    line-height: 1.7;
}

.authorbox {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 2rem;
    margin: 2rem 0;
    background: var(--white);
}

.authorbox h3 { margin: 0 0 0.3em; color: var(--primary); }

.authorbox p { font-size: 0.94rem; color: var(--text-light); }

.sources { font-size: 0.86rem; color: var(--text-light); }

.sources strong { color: var(--primary); }

.legal {
    font-size: 0.82rem;
    color: var(--text-light);
    border-top: 1px solid var(--border);
    margin-top: 2rem;
    padding-top: 1rem;
}

.lead-link { font-weight: 600; color: var(--primary); }

.category-badge[data-category="business"] { background: #0369a1; color: #fff; }

/* ── Breakpoints ─────────────────────────────────── */

@media (max-width: 768px) {
    .page-hero { padding: 6rem 1rem 3rem; }
    .page-hero h1 { font-size: 2rem; }
    .comparison-table { font-size: 0.85rem; }
    .comparison-table thead th,
    .comparison-table tbody td { padding: 0.65rem 0.75rem; }
    .content-section h2 { font-size: 1.6rem; }
    .author-trust-box { flex-direction: column; text-align: center; }
    .author-trust-box .author-photo { margin: 0 auto; }
}

@media (max-width: 480px) {
    .page-hero h1 { font-size: 1.7rem; }
    .btn { width: 100%; justify-content: center; }
    .comparison-table { display: block; overflow-x: auto; }
    .cta-buttons { flex-direction: column; }
}

@media (max-width: 768px) {
    .page-hero { padding: 6rem 1rem 3rem; }
    .page-hero h1 { font-size: 2rem; }
    .decision-cards { grid-template-columns: 1fr; }
    .comparison-table { font-size: 0.85rem; }
    .comparison-table thead th,
    .comparison-table tbody td { padding: 0.65rem 0.75rem; }
    .contact-grid { grid-template-columns: 1fr; }
    .content-section h2 { font-size: 1.6rem; }
    .author-box { flex-direction: column; }
}

@media (max-width: 480px) {
    .page-hero h1 { font-size: 1.7rem; }
    .btn { width: 100%; justify-content: center; }
    .comparison-table { display: block; overflow-x: auto; }
}

@media (max-width: 768px) {
    .page-hero { padding: 6rem 1rem 3rem; }
    .page-hero h1 { font-size: 2rem; }
    .insurance-grid { grid-template-columns: 1fr; }
    .priority-item { grid-template-columns: 1fr; text-align: center; }
    .priority-item .priority-num { justify-self: center; }
    .priority-item .priority-tag { justify-self: center; }
    .content-section h2 { font-size: 1.6rem; }
}

@media (max-width: 480px) {
    .page-hero h1 { font-size: 1.7rem; }
    .btn { width: 100%; justify-content: center; }
}

@media (max-width: 768px) {
    .page-hero { padding: 6rem 1rem 3rem; }
    .page-hero h1 { font-size: 2rem; }
    .content-section h2 { font-size: 1.6rem; }
}

@media (max-width: 480px) {
    .page-hero h1 { font-size: 1.7rem; }
    .btn { width: 100%; justify-content: center; }
    .cta-buttons { flex-direction: column; align-items: stretch; }
}

@media (max-width: 768px) {
    .page-hero { padding: 6rem 1rem 3rem; }
    .page-hero h1 { font-size: 2rem; }
    .decision-cards { grid-template-columns: 1fr; }
    .comparison-table { font-size: 0.85rem; }
    .comparison-table thead th,
    .comparison-table tbody td { padding: 0.65rem 0.75rem; }
    .contact-grid { grid-template-columns: 1fr; }
    .content-section h2 { font-size: 1.6rem; }
}

@media (max-width: 768px) {
    .page-hero { padding: 6rem 1rem 3rem; }
    .page-hero h1 { font-size: 2rem; }
    .comparison-table { font-size: 0.85rem; }
    .comparison-table thead th,
    .comparison-table tbody td { padding: 0.65rem 0.75rem; }
    .content-section h2 { font-size: 1.6rem; }
}