/* Annuitätenrechner.com – Design-System (UI/UX Pro Max: Trust & Authority, IBM Plex Sans) */
:root{
  --bg:#F4F6F9; --card:#FFFFFF; --ink:#16202B; --muted:#4B5B6B;
  --line:#E3E8EE; --brand:#1D4ED8; --brand-dark:#1E40AF; --brand-soft:#EFF4FF;
  --accent:#B45309; --accent-bg:#F59E0B; --on-accent:#1F1300;
  --shadow:0 1px 2px rgba(16,32,43,.04),0 8px 28px rgba(16,32,43,.07);
  --radius:14px; --space-1:8px; --space-2:16px; --space-3:24px; --space-4:32px; --space-5:48px;
}
@media (prefers-color-scheme:dark){
  :root{--bg:#0F151B;--card:#161F29;--ink:#EAF0F6;--muted:#A5B4C4;--line:#243141;
        --brand:#7AA5FF;--brand-dark:#5B8AF5;--brand-soft:#1B2536;
        --accent:#FBBF24;--accent-bg:#D97706;--on-accent:#10151B;
        --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px rgba(0,0,0,.35);}
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
     background:var(--bg);color:var(--ink);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--brand);outline-offset:2px;border-radius:4px}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}

/* Header & Nav */
header.site{position:sticky;top:0;z-index:50;background:var(--card);border-bottom:1px solid var(--line);box-shadow:0 1px 2px rgba(16,32,43,.04)}
.navrow{display:flex;align-items:center;gap:18px;min-height:60px;flex-wrap:wrap;padding-top:6px;padding-bottom:6px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:18px;color:var(--ink);white-space:nowrap}
.logo:hover{text-decoration:none}
.logo .mark{width:36px;height:36px;border-radius:9px;background:linear-gradient(135deg,var(--brand),var(--brand-dark));display:grid;place-items:center;color:#fff;flex:none}
.logo.small{font-size:15px}
.logo.small .mark{width:28px;height:28px}
.mainnav{display:flex;gap:2px;overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.mainnav::-webkit-scrollbar{display:none}
.mainnav a{padding:12px 13px;font-size:14.5px;font-weight:600;color:var(--muted);border-radius:8px;white-space:nowrap;min-height:44px;display:flex;align-items:center;cursor:pointer}
.mainnav a:hover{color:var(--brand);background:var(--brand-soft);text-decoration:none}
.mainnav a.active{color:var(--brand);background:var(--brand-soft)}

/* Breadcrumbs */
.crumbs{font-size:13.5px;color:var(--muted);padding:18px 0 0}
.crumbs span[aria-hidden]{margin:0 6px;opacity:.6}

/* Hero (Startseite) */
.hero{padding:44px 0 8px;display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center}
@media (max-width:860px){.hero{grid-template-columns:1fr}}
.hero h1{font-size:clamp(28px,4.2vw,40px);line-height:1.15;margin:0 0 12px;letter-spacing:-.02em}
.hero p.lead{font-size:17.5px;color:var(--muted);margin:0}
.hero .heroimg{width:100%;height:auto;border-radius:var(--radius)}

/* Karten & Rechner (Startseite) */
.grid{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;margin:30px 0 10px}
@media (max-width:820px){.grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.card .pad{padding:24px}
.card h2{margin:0 0 4px;font-size:20px}
form label{display:block;font-weight:600;font-size:14px;margin:16px 0 6px}
.field{position:relative;display:flex;align-items:center}
.field input[type=number]{width:100%;padding:13px 48px 13px 14px;font-size:16px;border:1px solid var(--line);border-radius:10px;background:transparent;color:var(--ink);appearance:textfield;min-height:48px}
.field .unit{position:absolute;right:14px;color:var(--muted);font-size:14px;pointer-events:none}
.field input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(29,78,216,.18)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
button.calc{margin-top:22px;width:100%;padding:14px 18px;font-size:16px;font-weight:700;color:#fff;background:var(--brand);border:0;border-radius:10px;cursor:pointer;transition:background .2s;min-height:48px}
button.calc:hover{background:var(--brand-dark)}
.hint{font-size:12.5px;color:var(--muted);margin-top:6px}
.result-head{display:flex;flex-direction:column;gap:2px;padding:22px 24px;border-bottom:1px solid var(--line)}
.result-head .big{font-size:34px;font-weight:700;letter-spacing:-.02em;color:var(--brand);font-variant-numeric:tabular-nums}
.result-head .cap{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line)}
.kpis .kpi{background:var(--card);padding:16px 18px}
.kpis .kpi .v{font-size:19px;font-weight:700;font-variant-numeric:tabular-nums}
.kpis .kpi .l{font-size:12.5px;color:var(--muted);margin-top:2px}

/* Tabellen */
.tbl-wrap{overflow-x:auto;margin:14px 0}
table{border-collapse:collapse;width:100%;font-size:14.5px;min-width:460px;background:var(--card)}
th,td{padding:10px 12px;text-align:right;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
th:first-child,td:first-child{text-align:left}
thead th{font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:600}
tbody tr:hover{background:var(--brand-soft)}
.card .tbl-wrap{padding:8px 6px 6px;margin:0}
.article .tbl-wrap table{border:1px solid var(--line);border-radius:10px;overflow:hidden}

/* Artikel */
.article{max-width:780px;padding:6px 0 10px}
.article h1{font-size:clamp(27px,4vw,38px);line-height:1.16;letter-spacing:-.02em;margin:14px 0 18px}
.article .artimg{width:100%;height:auto;border-radius:var(--radius);margin:4px 0 18px;box-shadow:var(--shadow)}
.article h2{font-size:25px;margin:38px 0 10px;letter-spacing:-.01em;line-height:1.25}
.article h3{font-size:19px;margin:24px 0 6px}
.article ul,.article ol{padding-left:22px}
.article li{margin:7px 0}
.article p{margin:12px 0}
.sources{font-size:13px;color:var(--muted);border-top:1px solid var(--line);margin-top:34px;padding-top:16px}
details{background:var(--card);border:1px solid var(--line);border-radius:10px;margin:10px 0;overflow:hidden}
details summary{padding:15px 18px;font-weight:600;cursor:pointer;list-style:none;min-height:44px;display:flex;align-items:center;justify-content:space-between;gap:12px}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";color:var(--muted);font-weight:700;font-size:18px;flex:none}
details[open] summary::after{content:"−"}
details .db{padding:0 18px 16px;color:var(--muted)}
.formula{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:10px;padding:14px 18px;margin:14px 0;font-size:15px}

/* CTA-Box */
.cta{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;background:var(--brand-soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin:34px 0}
.cta-h{font-weight:700;font-size:18px;margin:0 0 4px}
.cta-p{color:var(--muted);font-size:14.5px;margin:0;max-width:520px}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--accent-bg);color:var(--on-accent);font-weight:700;padding:13px 22px;border-radius:10px;min-height:48px;white-space:nowrap;transition:filter .2s;cursor:pointer}
.btn:hover{filter:brightness(.94);text-decoration:none}

/* Related Cards */
.related{padding:10px 0 30px}
.related h2{font-size:23px;margin:26px 0 16px;letter-spacing:-.01em}
.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:860px){.rgrid{grid-template-columns:1fr}}
.rcard{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);color:var(--ink);transition:transform .2s}
.rcard:hover{text-decoration:none;transform:translateY(-2px)}
.rcard img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block}
.rcard-body{display:block;padding:15px 17px 17px}
.rcard-h{display:block;font-weight:700;font-size:16.5px;color:var(--brand)}
.rcard-p{display:block;font-size:14px;color:var(--muted);margin-top:4px}

/* Content-Bereich Startseite */
section.content{padding:26px 0 10px;max-width:820px}
section.content h2{font-size:26px;margin:36px 0 10px;letter-spacing:-.01em}
section.content h3{font-size:19px;margin:24px 0 6px}
section.content ul,section.content ol{padding-left:22px}
section.content li{margin:6px 0}
section.content .tbl-wrap table{min-width:520px;border:1px solid var(--line);border-radius:10px;overflow:hidden}

/* Footer */
footer.site{margin-top:44px;border-top:1px solid var(--line);background:var(--card);padding:34px 0 26px;color:var(--muted);font-size:14.5px}
.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:26px}
@media (max-width:720px){.footgrid{grid-template-columns:1fr}}
.foot-h{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:0 0 10px;font-weight:600}
.footgrid nav a{display:block;padding:7px 0;color:var(--ink);min-height:32px}
.footgrid nav a:hover{color:var(--brand)}
.foot-note{font-size:13px;margin:10px 0 0}
.disclaimer{font-size:12.5px;color:var(--muted);margin-top:22px;border-top:1px solid var(--line);padding-top:16px}