/* Deutschland Versicherungen v3.5 Professional */
:root{--navy:#06233d;--navy2:#0b3155;--blue:#1677e8;--blue2:#0b67d1;--sky:#eef7ff;--line:#d9e6f1;--muted:#5d6f80;--orange:#ff6414;--orange2:#ff7b24;--white:#fff;--shadow:0 18px 50px rgba(6,35,61,.10);--radius:18px;--radius-sm:12px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--navy);background:#fff;line-height:1.62;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:inherit}button,input,select,textarea{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.skip-link{position:absolute;left:-9999px;top:0;z-index:9999;background:#fff;padding:12px 16px}.skip-link:focus{left:16px;top:16px}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid rgba(217,230,241,.9);backdrop-filter:blur(14px)}.nav{height:76px;display:flex;align-items:center;gap:32px}.brand-new{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy);font-size:18px;font-weight:700;line-height:1.02}.brand-new 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0}.side-label{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#6e8495}.side-mini{display:block;margin-top:10px;font-size:12px;color:#698091}.product-grid,.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.product-card,.hub-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;text-decoration:none;box-shadow:0 6px 20px rgba(6,35,61,.04)}.product-card h3{font-size:20px;margin:5px 0}.product-card p{color:var(--muted)}.product-type{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:#0b67d1;font-weight:800}.hub-card{display:flex;flex-direction:column;gap:8px}.hub-card>span{color:#0b67d1;font-weight:900}.hub-card strong{font-size:20px}.hub-card small{color:var(--muted)}.article-narrow{max-width:820px}.footer-new{background:#071d31;color:#d9e6ef;padding:62px 0 20px}.footer-top{display:grid;grid-template-columns:1.5fr 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@media(max-width:640px){.container{width:min(100% - 28px,1180px)}.nav{height:66px}.brand-new{font-size:15px}.brand-mark{width:26px;height:26px}.hero-v35>.container{padding-top:14px}.hero-breadcrumb{font-size:11px}.hero-copy{padding:28px 0 8px}.hero-copy h1{font-size:clamp(34px,10vw,44px);line-height:1.02}.hero-copy .lead{font-size:16px}.hero-benefits li{font-size:14px}.hero-actions{align-items:stretch}.hero-actions .btn{width:100%}.hero-media{max-height:245px}.hero-media img{width:112%;max-width:none;transform:translateY(28px)}.trust-strip-grid{grid-template-columns:1fr 1fr}.trust-strip-grid>div{padding:15px 10px;grid-template-columns:34px 1fr;column-gap:8px}.trust-icon{width:32px;height:32px;font-size:12px}.trust-strip strong{font-size:12px}.trust-strip small{font-size:10px}.section{padding:54px 0}.section-title-row,.section-head{align-items:start;flex-direction:column}.visual-card-grid,.product-grid,.hub-grid{grid-template-columns:1fr}.visual-card{padding:17px}.steps-v35 article{padding:19px}.split-feature h2{font-size:32px}.category-links{grid-template-columns:1fr}.article h2{font-size:27px}.premium-overview{padding:20px}.comparison-card{padding:20px}.direct-row .btn{width:100%}.footer-top{grid-template-columns:1fr 1fr;gap:28px}.footer-brand-block{grid-column:1/3}.footer-col:last-child{grid-column:auto}.footer-bottom{flex-direction:column}.consent-actions .btn{width:100%}}
@media(max-width:390px){.container{width:min(100% - 22px,1180px)}.brand-new{font-size:14px}.hero-copy h1{font-size:32px}.trust-strip-grid{grid-template-columns:1fr}.trust-strip-grid>div{border-right:0}.footer-top{grid-template-columns:1fr}.footer-brand-block,.footer-col:last-child{grid-column:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
/* Supporting templates */
.eyebrow{display:inline-block;color:#0b67d1;font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px}.comparison-intro,.widget-help{color:var(--muted)}.widget-help{font-size:12px}.editorial-subtle{background:#f8fbfd;border:1px solid var(--line);border-left:4px solid #9cc7e8;border-radius:12px;padding:14px 16px}.editorial-badge{display:inline-flex;padding:5px 9px;border-radius:999px;background:#edf6fd;color:#0b67d1;font-size:11px;font-weight:800}.steps{counter-reset:item;list-style:none;padding:0;margin:18px 0 28px;display:grid;gap:12px}.steps li{counter-increment:item;position:relative;padding:16px 18px 16px 58px;background:#f8fbfe;border:1px solid var(--line);border-radius:13px;color:#29465d}.steps li:before{content:counter(item);position:absolute;left:16px;top:13px;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:#1777e8;color:#fff;font-weight:900}.context-cta{margin:34px 0;padding:24px;border-radius:16px;background:linear-gradient(135deg,#f1f8ff,#fff);border:1px solid #cfe2f0}.context-cta p{margin:7px 0 16px}.intro-panel{margin:24px 0 34px;padding:22px 24px;border:1px solid var(--line);border-radius:16px;background:#f7fbff}.intro-panel strong{font-size:20px}.intro-panel p{margin:6px 0 0}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 6px 20px rgba(6,35,61,.04)}.guide-card>span{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:#0b67d1;font-weight:850}.guide-card h2{font-size:20px;line-height:1.2;margin:8px 0 10px}.guide-card h2 a{text-decoration:none}.guide-card p{color:var(--muted)}.legal-content{padding-top:62px;padding-bottom:72px}.legal-content h2{font-size:28px;line-height:1.15;margin:38px 0 12px}.identity-card,.contact-card{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:start;padding:24px;border:1px solid var(--line);border-radius:18px;background:#f7fbff;margin-bottom:34px}.identity-card .brand-mark.big{display:grid;place-items:center;width:58px;height:58px;border-radius:15px;background:linear-gradient(135deg,#0b67d1,#0a3154);color:#fff;font-size:17px;font-weight:900;transform:none}.identity-card h2,.contact-card h2{margin-top:0}.contact-card{display:block}.contact-card p:last-child{margin-bottom:0}.big{font-size:18px}.product-trust{background:#fff}
@media(max-width:980px){.guide-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.guide-grid{grid-template-columns:1fr}.identity-card{grid-template-columns:1fr}.legal-content{padding-top:44px}.steps li{padding-right:14px}}

/* =========================
   v4.0 Premium Visual & Conversion System
   ========================= */
body.v4{background:#f7f9fc;color:#08284a}
body.v4 .site-header{box-shadow:0 2px 16px rgba(5,34,61,.06)}
body.v4 .hero-v35{background:#eef7ff}
body.v4 .hero-v35>.container{padding-top:18px}
body.v4 .hero-v35-grid{grid-template-columns:minmax(0,.93fr) minmax(420px,1.07fr);gap:24px;min-height:510px}
body.v4 .hero-copy{padding:42px 0 50px;position:relative;z-index:2}
body.v4 .hero-copy h1{font-size:clamp(40px,4.3vw,64px);max-width:730px;color:#062b55;text-wrap:balance}
body.v4 .hero-copy .lead{font-size:18px;max-width:650px;color:#244966}
body.v4 .hero-media{position:relative;min-height:470px;align-self:stretch;overflow:hidden;border-radius:0 0 0 34px;margin-right:calc((100vw - min(1180px,calc(100vw - 40px)))/-2)}
body.v4 .hero-media:before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,#eef7ff 0%,rgba(238,247,255,.78) 8%,rgba(238,247,255,.12) 30%,rgba(238,247,255,0) 54%);pointer-events:none}
body.v4 .hero-media img{width:100%;height:100%;max-width:none;object-fit:cover;object-position:center;transform:none;filter:none;display:block}
body.v4 .ai-image-label{position:absolute;right:14px;bottom:14px;z-index:2;background:rgba(4,28,51,.72);color:#fff;border:1px solid rgba(255,255,255,.28);backdrop-filter:blur(8px);padding:5px 9px;border-radius:999px;font-size:10px;font-weight:700;letter-spacing:.02em}
body.v4 .hero-benefits li{font-size:15px}
body.v4 .btn-primary,body.v4 .header-cta,body.v4 .hero-search-btn{background:linear-gradient(135deg,#ff7a22,#ff5a0b);box-shadow:0 10px 24px rgba(255,91,11,.24)}
body.v4 .trust-strip{box-shadow:0 8px 28px rgba(9,41,70,.04)}
body.v4 .trust-strip-grid>div{padding-top:18px;padding-bottom:18px}
body.v4 .section{padding:66px 0}
body.v4 .visual-card-grid{grid-template-columns:repeat(4,1fr);gap:14px}
body.v4 .product-image-card{overflow:hidden;border:1px solid #d9e6f1;border-radius:14px;background:#fff;text-decoration:none;box-shadow:0 7px 22px rgba(7,40,70,.06);transition:.2s ease;min-width:0}
body.v4 .product-image-card:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(7,40,70,.12);border-color:#b9d4ea}
body.v4 .product-image-card img{display:block;width:100%;aspect-ratio:16/9;object-fit:cover}
body.v4 .product-image-card-body{padding:14px 14px 16px;display:grid;gap:5px}
body.v4 .product-image-card strong{font-size:15px;line-height:1.2;color:#08284a}
body.v4 .product-image-card small{font-size:12px;color:#667d91;min-height:34px}
body.v4 .product-image-card span{font-size:12px;color:#0871df;font-weight:800}
body.v4 .premium-overview{background:#fff;border:1px solid #d9e6f1;box-shadow:0 9px 30px rgba(8,40,73,.06)}
body.v4 .decision-card{position:relative;padding-top:56px}
body.v4 .decision-card:before{position:absolute;left:20px;top:17px;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:#1b7cf1;color:#fff;font-weight:900;box-shadow:0 5px 12px rgba(27,124,241,.25)}
body.v4 .decision-card:nth-child(1):before{content:"1"}body.v4 .decision-card:nth-child(2):before{content:"2"}body.v4 .decision-card:nth-child(3):before{content:"3"}
body.v4 .comparison-card{border-color:#c9dff1;box-shadow:0 16px 44px rgba(6,35,61,.09)}
body.v4 .comparison-card h2{font-size:30px;color:#08284a}
body.v4 .side-card{border-color:#d5e5f1;box-shadow:0 10px 28px rgba(7,40,70,.08)}
body.v4 .footer-new{background:linear-gradient(155deg,#071f37,#06182b)}
body.v4 .footer-bottom{display:grid;grid-template-columns:auto 1fr;align-items:start}
body.v4 .footer-bottom .ai-footer-note{grid-column:1/-1;color:#7891a6;margin-top:5px}
body.v4 .hero-product-search{display:grid;grid-template-columns:1fr 54px;max-width:590px;background:#fff;border:1px solid #bfd4e4;border-radius:11px;padding:4px;margin:24px 0 16px;box-shadow:0 10px 28px rgba(8,40,73,.07)}
body.v4 .hero-product-search select{min-width:0;border:0;background:#fff;color:#38546c;padding:0 14px;outline:0;font-size:14px}
body.v4 .hero-search-btn{width:50px;height:48px;border:0;color:#fff;border-radius:9px;font-size:22px;cursor:pointer}
body.v4 .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
body.v4 .home-hero-v4 .hero-media{min-height:500px}
body.v4 .home-hero-v4 .hero-copy h1{font-size:clamp(42px,4.4vw,66px)}
body.v4 .home-hero-v4 .hero-copy{padding-top:48px}
body.v4 .home-hero-v4 .hero-v35-grid{min-height:520px}
body.v4 .hero-v4-photo .eyebrow-v35{background:rgba(255,255,255,.9)}
body.v4 .article{background:#fff;border:1px solid #e0eaf2;border-radius:18px;padding:30px;box-shadow:0 8px 28px rgba(6,35,61,.04)}
body.v4 .article>section+section{margin-top:42px}
body.v4 .article-layout{align-items:start}
body.v4 .article h2{color:#08284a}
body.v4 .legal-content{background:#fff}
body.v4 .ai-disclosure{background:#f6faff;border:1px solid #cfdfed;border-left:4px solid #1976df;border-radius:12px;padding:18px 20px;margin:24px 0}
body.v4 .ai-disclosure strong{display:block;margin-bottom:6px;color:#08284a}
@media(max-width:980px){body.v4 .hero-v35-grid{grid-template-columns:1fr;gap:0}body.v4 .hero-media{margin:0 -20px;min-height:330px;border-radius:0;max-height:none}body.v4 .hero-media:before{background:linear-gradient(180deg,#eef7ff 0%,rgba(238,247,255,.35) 18%,transparent 45%)}body.v4 .hero-media img{height:330px;object-position:center}body.v4 .visual-card-grid{grid-template-columns:repeat(2,1fr)}body.v4 .article{padding:24px}}
@media(max-width:640px){body.v4 .hero-copy{padding:26px 0 18px}body.v4 .hero-copy h1{font-size:clamp(34px,10.5vw,46px)}body.v4 .hero-media{margin:0 -14px;min-height:245px}body.v4 .hero-media img{height:245px;width:100%;transform:none;object-fit:cover}body.v4 .ai-image-label{right:10px;bottom:10px}body.v4 .visual-card-grid{grid-template-columns:1fr 1fr;gap:10px}body.v4 .product-image-card-body{padding:11px}body.v4 .product-image-card strong{font-size:13px}body.v4 .product-image-card small{display:none}body.v4 .hero-product-search{grid-template-columns:1fr 50px;margin-top:18px}body.v4 .hero-product-search select{font-size:13px;padding-left:9px}body.v4 .article{padding:18px;border-radius:14px}body.v4 .footer-bottom{grid-template-columns:1fr}}
@media(max-width:390px){body.v4 .visual-card-grid{grid-template-columns:1fr}}
body.v4 .product-grid,body.v4 .hub-grid{gap:16px}
body.v4 .product-card,body.v4 .hub-card,body.v4 .guide-card,body.v4 .article-card-grid>a{overflow:hidden;padding:0;display:block}
body.v4 .card-visual-v4{height:145px;overflow:hidden;background:#eaf3fa}
body.v4 .card-visual-v4 img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .35s ease}
body.v4 .product-card:hover .card-visual-v4 img,body.v4 .hub-card:hover .card-visual-v4 img,body.v4 .guide-card:hover .card-visual-v4 img,body.v4 .article-card-grid>a:hover .card-visual-v4 img{transform:scale(1.025)}
body.v4 .product-card>*:not(.card-visual-v4),body.v4 .hub-card>*:not(.card-visual-v4),body.v4 .guide-card>*:not(.card-visual-v4),body.v4 .article-card-grid>a>*:not(.card-visual-v4){margin-left:20px;margin-right:20px}
body.v4 .product-card>.product-type,body.v4 .hub-card>.product-type,body.v4 .guide-card>span{display:inline-block;margin-top:18px}
body.v4 .product-card>.arrow-link{display:inline-block;margin-bottom:20px}
body.v4 .hub-card{padding-bottom:20px}
body.v4 .guide-card{padding-bottom:20px}
body.v4 .article-card-grid>a{padding-bottom:18px}
@media(max-width:640px){body.v4 .card-visual-v4{height:130px}body.v4 .product-card>*:not(.card-visual-v4),body.v4 .hub-card>*:not(.card-visual-v4),body.v4 .guide-card>*:not(.card-visual-v4),body.v4 .article-card-grid>a>*:not(.card-visual-v4){margin-left:16px;margin-right:16px}}
body.v4 .site-search-btn{width:42px;height:42px;border:0;background:transparent;color:#08284a;border-radius:50%;font-size:25px;line-height:1;cursor:pointer;display:grid;place-items:center}body.v4 .site-search-btn:hover{background:#edf5fb}.site-search-dialog{position:fixed;inset:0;background:rgba(3,22,40,.58);z-index:400;display:grid;place-items:start center;padding:12vh 18px 20px}.site-search-dialog[hidden]{display:none}.site-search-panel{position:relative;width:min(680px,100%);background:#fff;border-radius:20px;padding:28px;box-shadow:0 28px 90px rgba(0,0,0,.24)}.site-search-panel h2{margin:2px 0 18px;font-size:30px}.site-search-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:28px;cursor:pointer;color:#456175}.site-search-input{width:100%;height:52px;border:1px solid #bdd3e4;border-radius:11px;padding:0 15px;font-size:16px;outline:none}.site-search-input:focus{border-color:#2380e8;box-shadow:0 0 0 3px rgba(35,128,232,.12)}.site-search-results{display:grid;gap:8px;margin-top:14px;max-height:420px;overflow:auto}.site-search-results a{display:flex;justify-content:space-between;gap:12px;padding:12px 14px;border:1px solid #e0eaf1;border-radius:10px;text-decoration:none;background:#fbfdff}.site-search-results a:hover{border-color:#b7d2e7;background:#f3f9ff}.site-search-results small{color:#6b8192}.site-search-empty{padding:16px;color:#6b8192}
@media(max-width:980px){body.v4 .site-search-btn{margin-left:auto}}
body.v4 .eyebrow-v35{width:max-content;max-width:100%}
body.v4 .hero-product-search{display:flex;align-items:center}
body.v4 .hero-product-search select{flex:1 1 auto;width:100%;height:48px}
body.v4 .hero-search-btn{flex:0 0 50px}
body.v4 .navlinks{gap:25px}.trust-icon{min-width:40px;min-height:40px;aspect-ratio:1/1}.search-glyph{position:relative;display:block;width:17px;height:17px;border:2px solid #08284a;border-radius:50%}.search-glyph:after{content:"";position:absolute;width:7px;height:2px;background:#08284a;right:-5px;bottom:-2px;transform:rotate(45deg);border-radius:2px}
body.v4 .hero-product-search select{text-align:left;text-align-last:left;appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,#688196 50%),linear-gradient(135deg,#688196 50%,transparent 50%);background-position:calc(100% - 18px) 21px,calc(100% - 13px) 21px;background-size:5px 5px,5px 5px;background-repeat:no-repeat;padding-right:34px}


/* v4.1 dedicated Tarifcheck calculator pages */
body.v4 .calculator-wide-v41{width:min(1500px,calc(100% - 40px));margin-inline:auto;min-width:0}
body.v4 .calculator-intro-v41{background:linear-gradient(180deg,#f4f9fd 0%,#fff 100%);border-bottom:1px solid #dce8f1;padding:24px 0 26px}
body.v4 .calculator-breadcrumb-v41{display:flex;align-items:center;flex-wrap:wrap;gap:8px;color:#678094;font-size:13px;margin-bottom:18px}
body.v4 .calculator-breadcrumb-v41 a{color:#2875bd;text-decoration:none}
body.v4 .calculator-heading-v41{display:flex;align-items:end;justify-content:space-between;gap:28px}
body.v4 .calculator-heading-v41 h1{font-size:clamp(32px,4vw,52px);line-height:1.04;color:#08284a;margin:8px 0 10px}
body.v4 .calculator-heading-v41 p{max-width:820px;color:#456175;font-size:16px;line-height:1.65;margin:0}
body.v4 .calculator-back-v41{white-space:nowrap}
body.v4 .calculator-section-v41{padding:30px 0 64px;background:#fff}
body.v4 .calculator-meta-v41{display:flex;align-items:center;gap:12px;flex-wrap:wrap;color:#60798d;font-size:13px;margin-bottom:12px}
body.v4 .calculator-stage-v41{width:100%;min-width:0;max-width:none;overflow:visible;background:#fff;border:1px solid #d5e4ef;border-radius:14px;padding:18px 16px;box-shadow:0 16px 46px rgba(7,40,70,.08)}
body.v4 .calculator-stage-v41>div{width:100%!important;max-width:none!important;min-width:0!important}
body.v4 .calculator-stage-v41 iframe{display:block;width:100%!important;max-width:100%!important;border:0!important;margin:0 auto!important}
body.v4 .calculator-fallback-v41{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-top:18px;padding:16px 18px;background:#f5f9fc;border:1px solid #d8e6f0;border-radius:12px}
body.v4 .calculator-fallback-v41 p{margin:0;color:#38536a}
body.v4 .calculator-affiliate-v41{margin-top:12px}
body.v4 .calculator-teaser-v41{margin:0}
body.v4 .calculator-teaser-card-v41{background:linear-gradient(135deg,#f7fbff,#eef6fc);border:1px solid #cddfeb;border-radius:18px;padding:28px;box-shadow:0 14px 38px rgba(7,40,70,.07)}
body.v4 .calculator-teaser-grid-v41{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:32px;align-items:center}
body.v4 .calculator-teaser-card-v41 h2{margin:5px 0 10px;color:#08284a;font-size:clamp(26px,3vw,36px)}
body.v4 .calculator-teaser-card-v41 p{color:#4c6579}
body.v4 .calculator-teaser-points-v41{margin:16px 0 0;padding:0;list-style:none;display:grid;gap:8px;color:#29475f}
body.v4 .calculator-teaser-points-v41 li:before{content:"✓";display:inline-grid;place-items:center;width:22px;height:22px;margin-right:8px;border-radius:50%;background:#e0efff;color:#1673dd;font-weight:900}
body.v4 .calculator-teaser-actions-v41{display:grid;gap:10px;min-width:260px}
body.v4 .calculator-teaser-actions-v41 .btn{text-align:center;justify-content:center}
@media(max-width:980px){body.v4 .calculator-heading-v41{align-items:start;flex-direction:column}body.v4 .calculator-teaser-grid-v41{grid-template-columns:1fr}body.v4 .calculator-teaser-actions-v41{min-width:0;width:100%;max-width:420px}}
@media(max-width:640px){body.v4 .calculator-wide-v41{width:min(100% - 16px,1500px)}body.v4 .calculator-intro-v41{padding:16px 0 20px}body.v4 .calculator-section-v41{padding:16px 0 42px}body.v4 .calculator-stage-v41{padding:8px 4px;border-radius:10px;box-shadow:0 8px 24px rgba(7,40,70,.07)}body.v4 .calculator-fallback-v41{align-items:stretch;flex-direction:column}body.v4 .calculator-fallback-v41 .btn{width:100%;justify-content:center;text-align:center}body.v4 .calculator-teaser-card-v41{padding:20px 16px;border-radius:14px}body.v4 .calculator-back-v41{width:100%;text-align:center;justify-content:center}}


/* ============================================================
   v4.2 Content Layout & Visual Refinement
   Header and footer intentionally untouched.
   ============================================================ */
body.v4 main{overflow:clip}
body.v4 main .section{padding-block:clamp(54px,6vw,76px)}
body.v4 main .section+.section{border-top:1px solid rgba(217,230,241,.42)}
body.v4 main .section-title-row{margin-bottom:clamp(24px,3vw,34px)}
body.v4 main .section-title-row h2{max-width:850px}

/* Shared hero geometry */
body.v4 main .hero-v35>.container{padding-top:18px}
body.v4 main .hero-v35-grid{gap:clamp(28px,4vw,52px)}
body.v4 main .hero-copy{padding-block:clamp(32px,4vw,54px)}
body.v4 main .hero-media{border-radius:22px 22px 0 0;overflow:hidden;min-width:0;position:relative}
body.v4 main .hero-media img{width:100%;height:100%;object-fit:cover;object-position:center;transform:none;max-width:none}
body.v4 main .ai-image-label{position:absolute;right:14px;bottom:14px;background:rgba(4,31,55,.72);color:#fff;border:1px solid rgba(255,255,255,.35);padding:5px 9px;border-radius:999px;font-size:11px;backdrop-filter:blur(8px)}

/* Money pages: strong conversion hierarchy, less dead space */
body.page-money-v42 main .hero-v35-grid{min-height:470px;grid-template-columns:minmax(0,1fr) minmax(420px,.92fr)}
body.page-money-v42 main .hero-media{height:430px;align-self:center;border-radius:22px}
body.page-money-v42 main .trust-strip-grid>div{padding:19px 22px}
body.page-money-v42 main>.section{padding-top:58px}
body.page-money-v42 main .article-layout{grid-template-columns:minmax(0,1fr) 300px;gap:38px}
body.page-money-v42 main .article{border:0;box-shadow:none;padding:0;background:transparent}
body.page-money-v42 main .article>section:not(.premium-overview):not(.related-premium){background:#fff;border:1px solid #e0eaf2;border-radius:16px;padding:26px 28px;margin-bottom:24px;box-shadow:0 5px 20px rgba(6,35,61,.035)}
body.page-money-v42 main .article>.editorial{margin-bottom:22px}
body.page-money-v42 main .article>.toc{margin-bottom:28px}
body.page-money-v42 main .premium-overview{margin-bottom:28px;padding:28px}
body.page-money-v42 main .calculator-teaser-card-v41{margin-block:0 26px}
body.page-money-v42 main .related-premium{margin:30px 0}
body.page-money-v42 main aside{position:sticky;top:96px}

/* Hubs: shorter editorial hero, balanced grids */
body.page-hub-v42 main .hero-v35-grid{min-height:390px;grid-template-columns:minmax(0,1fr) minmax(360px,.86fr)}
body.page-hub-v42 main .hero-media{height:350px;align-self:center;border-radius:22px}
body.page-hub-v42 main .hero-copy{padding-block:30px 42px}
body.page-hub-v42 main .hero-copy h1{font-size:clamp(38px,4.1vw,56px)}
body.page-hub-v42 main .section{padding-block:62px}
body.page-hub-v42 main .product-grid,body.page-hub-v42 main .hub-grid,body.page-hub-v42 main .guide-grid{align-items:stretch}
body.page-hub-v42 main .product-card,body.page-hub-v42 main .hub-card,body.page-hub-v42 main .guide-card{height:100%;display:flex;flex-direction:column}
body.page-hub-v42 main .product-card .arrow-link,body.page-hub-v42 main .guide-card .arrow-link{margin-top:auto}

/* Guides: compact editorial top, readable article body */
body.page-guide-v42 main .hero-v35-grid{min-height:350px;grid-template-columns:minmax(0,1.08fr) minmax(330px,.78fr)}
body.page-guide-v42 main .hero-copy{padding-block:28px 38px}
body.page-guide-v42 main .hero-copy h1{font-size:clamp(36px,4vw,52px)}
body.page-guide-v42 main .hero-media{height:310px;align-self:center;border-radius:20px}
body.page-guide-v42 main>.section{padding-top:52px}
body.page-guide-v42 main .article-layout{grid-template-columns:minmax(0,1fr) 280px;gap:36px}
body.page-guide-v42 main .article{border:0;box-shadow:none;padding:0;background:transparent}
body.page-guide-v42 main .article>section{background:#fff;border:1px solid #e1eaf1;border-radius:16px;padding:27px 30px;margin-bottom:24px;box-shadow:0 5px 18px rgba(6,35,61,.03)}
body.page-guide-v42 main .article>.editorial,body.page-guide-v42 main .article>.toc{background:#f7fbfe;border:1px solid #dce8f1;border-radius:14px;padding:18px 20px;margin-bottom:22px}
body.page-guide-v42 main aside{position:sticky;top:96px}

/* Service/legal pages: intentionally calmer and narrower */
body.page-service-v42 main .hero-v35{background:linear-gradient(135deg,#f7fbfe 0%,#eaf5fd 100%)}
body.page-service-v42 main .hero-v35-grid{min-height:300px;grid-template-columns:minmax(0,1.25fr) minmax(280px,.55fr)}
body.page-service-v42 main .hero-copy{padding-block:26px 36px}
body.page-service-v42 main .hero-copy h1{font-size:clamp(34px,3.6vw,48px)}
body.page-service-v42 main .hero-media{height:250px;align-self:center;border-radius:18px;opacity:.9}
body.page-service-v42 main>.section{padding-block:48px 64px}
body.page-service-v42 main .content-shell-v42{width:min(900px,calc(100% - 40px));margin-inline:auto}
body.page-service-v42 main .legal-content{padding:32px 36px;border:1px solid #e0eaf2;border-radius:18px;box-shadow:0 10px 34px rgba(6,35,61,.045)}
body.page-service-v42 main .legal-content h2{margin-top:34px;margin-bottom:12px}
body.page-service-v42 main .legal-content h2:first-child{margin-top:0}

/* Home: preserve hero impact, tighten transitions */
body.page-home-v42 main .home-hero-v4 .hero-v35-grid{min-height:510px}
body.page-home-v42 main .home-hero-v4 .hero-media{height:470px;align-self:center;border-radius:22px}
body.page-home-v42 main .section{padding-block:64px}
body.page-home-v42 main .visual-card-grid{gap:18px}
body.page-home-v42 main .product-image-card{height:100%}

/* Cards get consistent spacing and image ratio across content */
body.v4 main .card-visual-v4,body.v4 main .product-image-card>img{aspect-ratio:16/9;height:auto;object-fit:cover}
body.v4 main .product-image-card{border-radius:16px;overflow:hidden;border:1px solid #d9e6f1;box-shadow:0 7px 24px rgba(6,35,61,.05);background:#fff;text-decoration:none}
body.v4 main .product-image-card-body{padding:15px 16px 17px}
body.v4 main .product-image-card-body strong{line-height:1.25;margin-bottom:4px}
body.v4 main .product-image-card-body span{display:block;margin-top:9px;color:#0b67d1;font-weight:800;font-size:13px}

@media(max-width:1080px){
 body.page-money-v42 main .hero-v35-grid,body.page-hub-v42 main .hero-v35-grid,body.page-guide-v42 main .hero-v35-grid,body.page-service-v42 main .hero-v35-grid{grid-template-columns:1fr;min-height:0}
 body.page-money-v42 main .hero-media,body.page-hub-v42 main .hero-media,body.page-guide-v42 main .hero-media,body.page-service-v42 main .hero-media,body.page-home-v42 main .home-hero-v4 .hero-media{height:360px;min-height:0;margin:0;border-radius:18px 18px 0 0}
 body.page-money-v42 main .article-layout,body.page-guide-v42 main .article-layout{grid-template-columns:1fr}
 body.page-money-v42 main aside,body.page-guide-v42 main aside{position:static}
}
@media(max-width:720px){
 body.v4 main .section{padding-block:44px}
 body.v4 main .hero-v35>.container{padding-top:12px}
 body.v4 main .hero-copy{padding-block:22px 18px}
 body.v4 main .hero-copy .lead{font-size:16px}
 body.page-money-v42 main .hero-media,body.page-hub-v42 main .hero-media,body.page-guide-v42 main .hero-media,body.page-service-v42 main .hero-media,body.page-home-v42 main .home-hero-v4 .hero-media{height:250px;margin-inline:-14px;border-radius:0}
 body.page-money-v42 main .article>section:not(.premium-overview):not(.related-premium),body.page-guide-v42 main .article>section{padding:20px 18px;border-radius:14px}
 body.page-money-v42 main .premium-overview{padding:21px 18px}
 body.page-service-v42 main .content-shell-v42{width:min(100% - 28px,900px)}
 body.page-service-v42 main .legal-content{padding:24px 18px}
 body.v4 main .decision-grid,body.v4 main .steps-v35{grid-template-columns:1fr}
 body.v4 main .section-title-row{align-items:flex-start;flex-direction:column;gap:10px}
}
body.page-service-v42 main .ai-disclosure-inline-v42{margin:38px 0 0;padding:20px 22px;background:#f7fbfe;border:1px solid #d7e6f0;border-left:4px solid #1976df;border-radius:14px}
body.page-service-v42 main .ai-disclosure-inline-v42 h2{font-size:20px;margin:0 0 8px}
body.page-service-v42 main .ai-disclosure-inline-v42 p{font-size:14px;line-height:1.65;color:#4b6579}

/* ============================================================
   v4.3 Senior Webdesign refinement
   Content only: header/footer remain unchanged.
   ============================================================ */
body.v4 main{background:#fff}
body.v4 main .section{padding-block:clamp(50px,5vw,72px)}
body.v4 main .section+.section{border-top:1px solid rgba(218,230,239,.38)}
body.v4 main .container{min-width:0}
body.v4 main p{max-width:76ch}
body.v4 main h2,body.v4 main h3{text-wrap:balance}
body.v4 main .hero-v35{overflow:hidden}
body.v4 main .hero-v35>.container{padding-top:16px}
body.v4 main .hero-breadcrumb{margin-bottom:6px}
body.v4 main .hero-v35-grid{gap:clamp(30px,4vw,56px);align-items:center}
body.v4 main .hero-copy{padding-block:clamp(28px,4vw,52px)}
body.v4 main .hero-copy h1{max-width:720px}
body.v4 main .hero-media{border-radius:24px;overflow:hidden;align-self:center;box-shadow:0 18px 48px rgba(6,35,61,.11);background:#e9f1f6}
body.v4 main .hero-media img{display:block;width:100%;height:100%;object-fit:cover;object-position:center;transform:none;max-width:none;filter:none}
body.v4 main .ai-image-label{right:12px;bottom:12px;background:rgba(4,28,49,.70);font-size:10px;padding:4px 8px}

/* Homepage */
body.page-home-v43 main .home-hero-v4 .hero-v35-grid{min-height:500px;grid-template-columns:minmax(0,1.02fr) minmax(430px,.98fr)}
body.page-home-v43 main .home-hero-v4 .hero-media{height:430px}
body.page-home-v43 main .section{padding-block:60px}
body.page-home-v43 main .visual-card-grid{gap:18px}
body.page-home-v43 main .product-image-card{height:100%}

/* Hub pages */
body.page-hub-v43 main .hero-v35-grid{min-height:390px;grid-template-columns:minmax(0,1.08fr) minmax(390px,.82fr)}
body.page-hub-v43 main .hero-media{height:330px}
body.page-hub-v43 main .hero-copy{padding-block:26px 40px}
body.page-hub-v43 main .hero-copy h1{font-size:clamp(38px,4vw,56px)}
body.page-hub-v43 main .section{padding-block:58px}
body.page-hub-v43 main .product-grid,body.page-hub-v43 main .hub-grid,body.page-hub-v43 main .guide-grid{gap:20px;align-items:stretch}
body.page-hub-v43 main .product-card,body.page-hub-v43 main .hub-card,body.page-hub-v43 main .guide-card{height:100%;display:flex;flex-direction:column}
body.page-hub-v43 main .arrow-link{margin-top:auto}

/* Money pages */
body.page-money-v43 main .hero-v35-grid{min-height:450px;grid-template-columns:minmax(0,1.02fr) minmax(430px,.98fr)}
body.page-money-v43 main .hero-media{height:405px}
body.page-money-v43 main .hero-copy{padding-block:30px 46px}
body.page-money-v43 main .trust-strip-grid>div{padding:18px 20px}
body.page-money-v43 main>.section{padding-top:54px}
body.page-money-v43 main .article-layout{grid-template-columns:minmax(0,1fr) 292px;gap:36px}
body.page-money-v43 main .article{min-width:0;border:0;background:transparent;box-shadow:none;padding:0}
body.page-money-v43 main .article>section:not(.premium-overview):not(.related-premium){background:#fff;border:1px solid #e0e9f0;border-radius:16px;padding:25px 27px;margin-bottom:22px;box-shadow:0 5px 18px rgba(6,35,61,.03)}
body.page-money-v43 main .article>.toc,body.page-money-v43 main .article>.editorial{margin-bottom:22px}
body.page-money-v43 main .premium-overview{padding:26px;margin-bottom:24px}
body.page-money-v43 main .calculator-teaser-card-v41{margin-bottom:24px}
body.page-money-v43 main aside{position:sticky;top:96px}

/* Editorial / guide pages */
body.page-guide-v43 main .hero-v35{background:linear-gradient(135deg,#f8fbfd 0%,#eff6fa 100%)}
body.page-guide-v43 main .hero-v35-grid{min-height:360px;grid-template-columns:minmax(0,1.12fr) minmax(360px,.78fr)}
body.page-guide-v43 main .hero-copy{padding-block:25px 38px}
body.page-guide-v43 main .hero-copy h1{font-size:clamp(35px,3.8vw,52px);line-height:1.03}
body.page-guide-v43 main .hero-copy .lead{font-size:17px}
body.page-guide-v43 main .hero-media{height:305px;border-radius:18px}
body.page-guide-v43 main>.section{padding-top:48px}
body.page-guide-v43 main .article-layout{grid-template-columns:minmax(0,1fr) 270px;gap:34px}
body.page-guide-v43 main .article{border:0;background:transparent;box-shadow:none;padding:0}
body.page-guide-v43 main .article>h2{margin-top:36px}
body.page-guide-v43 main .article>.editorial{display:flex;gap:13px;align-items:center;background:#f7fafc;border:1px solid #dfe8ef;border-left:0;border-radius:13px;padding:14px 16px;margin-bottom:22px}
body.page-guide-v43 main .article>.callout{margin-bottom:28px;border-radius:13px}
body.page-guide-v43 main .context-cta{margin:30px 0;padding:22px 24px;border:1px solid #d8e6ef;border-radius:15px;background:#f5f9fc}
body.page-guide-v43 main aside{position:sticky;top:96px}
body.page-guide-v43 main .side-card{box-shadow:0 8px 24px rgba(6,35,61,.05)}

/* Service/legal pages: no decorative photo in hero, restrained editorial layout */
body.page-service-v43 main .hero-v35{background:linear-gradient(180deg,#f7fafc 0%,#eef5f9 100%);border-bottom:1px solid #dbe6ed}
body.page-service-v43 main .service-hero-grid-v43{display:block;min-height:0;max-width:880px}
body.page-service-v43 main .hero-copy{padding:30px 0 38px}
body.page-service-v43 main .hero-copy h1{font-size:clamp(36px,4vw,52px);margin-bottom:14px}
body.page-service-v43 main .hero-copy .lead{font-size:17px;max-width:720px}
body.page-service-v43 main>.section{padding-block:44px 64px}
body.page-service-v43 main .content-shell-v42,body.page-service-v43 main .article-narrow{width:min(900px,calc(100% - 40px));max-width:900px;margin-inline:auto}
body.page-service-v43 main .legal-content{background:#fff;border:1px solid #dfe8ef;border-radius:18px;padding:34px 38px;box-shadow:0 10px 32px rgba(6,35,61,.04)}
body.page-service-v43 main .legal-content h2{font-size:24px;margin:34px 0 10px;padding-top:0;border-top:0}
body.page-service-v43 main .legal-content h2:first-child{margin-top:0}
body.page-service-v43 main .legal-content p,body.page-service-v43 main .legal-content li{color:#38536a}
body.page-service-v43 main .ai-disclosure-inline-v42{margin-top:36px}

/* Card system */
body.v4 main .product-image-card{border-radius:15px;overflow:hidden;border:1px solid #dce7ef;box-shadow:0 7px 22px rgba(6,35,61,.045);transition:transform .18s ease,box-shadow .18s ease}
body.v4 main .product-image-card:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(6,35,61,.08)}
body.v4 main .product-image-card>img,body.v4 main .card-visual-v4{aspect-ratio:16/9;object-fit:cover}
body.v4 main .product-image-card-body{padding:14px 15px 16px}

/* v4.3 calculator pages: the stage never clips expanding partner content. */
body.calculator-view-v43 main{overflow:visible}
body.calculator-view-v43 .calculator-wide-v41{width:min(1520px,calc(100% - 36px));max-width:none}
body.calculator-view-v43 .calculator-section-v41{overflow:visible;padding-top:24px}
body.calculator-view-v43 .calculator-stage-v43{position:relative;overflow:visible!important;contain:none!important;max-height:none!important;height:auto!important;min-height:900px;padding:14px 12px;border-radius:16px;background:#fff}
body.calculator-view-v43 .calculator-stage-v43>div{overflow:visible!important;max-height:none!important;height:auto!important;min-height:0!important;width:100%!important;max-width:none!important}
body.calculator-view-v43 .calculator-stage-v43 iframe{display:block!important;width:100%!important;max-width:100%!important;min-height:900px;border:0!important;overflow:visible!important;margin:0 auto!important;transition:height .18s ease;box-sizing:border-box!important}
body.calculator-view-v43 .calculator-stage-v43[data-product="kfz"] iframe{min-height:1450px}
body.calculator-view-v43 .calculator-stage-v43.is-expanded iframe{min-height:1800px}
body.calculator-view-v43 .calculator-stage-v43.is-tall iframe{min-height:2400px}
body.calculator-view-v43 .calculator-fallback-v41{margin-top:20px}

@media(max-width:1080px){
 body.page-home-v43 main .home-hero-v4 .hero-v35-grid,body.page-hub-v43 main .hero-v35-grid,body.page-money-v43 main .hero-v35-grid,body.page-guide-v43 main .hero-v35-grid{grid-template-columns:1fr;min-height:0}
 body.page-home-v43 main .home-hero-v4 .hero-media,body.page-hub-v43 main .hero-media,body.page-money-v43 main .hero-media,body.page-guide-v43 main .hero-media{height:350px;margin:0;border-radius:18px}
 body.page-money-v43 main .article-layout,body.page-guide-v43 main .article-layout{grid-template-columns:1fr}
 body.page-money-v43 main aside,body.page-guide-v43 main aside{position:static}
}
@media(max-width:720px){
 body.v4 main .section{padding-block:42px}
 body.v4 main .hero-v35>.container{padding-top:10px}
 body.v4 main .hero-copy{padding-block:20px 18px}
 body.v4 main .hero-copy h1{letter-spacing:-.035em}
 body.v4 main .hero-copy .lead{font-size:16px}
 body.page-home-v43 main .home-hero-v4 .hero-media,body.page-hub-v43 main .hero-media,body.page-money-v43 main .hero-media,body.page-guide-v43 main .hero-media{height:238px;margin-inline:-14px;border-radius:0;box-shadow:none}
 body.page-money-v43 main .article>section:not(.premium-overview):not(.related-premium){padding:19px 17px;border-radius:13px}
 body.page-guide-v43 main .article>.editorial{padding:13px 14px}
 body.page-service-v43 main .content-shell-v42,body.page-service-v43 main .article-narrow{width:min(100% - 28px,900px)}
 body.page-service-v43 main .legal-content{padding:23px 18px;border-radius:14px}
 body.calculator-view-v43 .calculator-wide-v41{width:calc(100% - 12px)}
 body.calculator-view-v43 .calculator-stage-v43{padding:6px 2px;border-radius:10px;min-height:1200px;box-shadow:none}
 body.calculator-view-v43 .calculator-stage-v43 iframe{min-height:1200px}
 body.calculator-view-v43 .calculator-stage-v43[data-product="kfz"] iframe{min-height:1900px}
 body.calculator-view-v43 .calculator-stage-v43.is-expanded iframe{min-height:2300px}
 body.calculator-view-v43 .calculator-stage-v43.is-tall iframe{min-height:3000px}
}


/* ============================================================
   v4.4 Reference-Matched Redesign
   ============================================================ */
body.v4 main{background:#fff;overflow:visible}
body.v4 main .ai-image-label{display:none!important}
body.v4 main .section{padding-block:clamp(52px,5vw,70px)}
body.v4 main .section+.section{border-top:1px solid #e8eff4}
body.v4 main .section-title-row{margin-bottom:26px}
body.v4 main .product-image-card{border-radius:10px;box-shadow:0 3px 13px rgba(6,35,61,.055);border:1px solid #dbe6ee}
body.v4 main .product-image-card:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(6,35,61,.09)}
body.v4 main .product-image-card>img{aspect-ratio:16/9;object-fit:cover}
body.v4 main .product-image-card-body{padding:13px 14px 15px}

/* Reference-like integrated hero: no floating picture card on commercial/hub pages */
body.page-home-v44 main .hero-v35,
body.page-hub-v44 main .hero-v35,
body.page-money-v44 main .hero-v35{background:linear-gradient(90deg,#f7fbff 0%,#edf7ff 45%,#e2f1fb 100%)}
body.page-home-v44 main .hero-v35-grid,
body.page-hub-v44 main .hero-v35-grid,
body.page-money-v44 main .hero-v35-grid{grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);gap:22px;min-height:455px;align-items:stretch}
body.page-home-v44 main .hero-copy,
body.page-hub-v44 main .hero-copy,
body.page-money-v44 main .hero-copy{padding:42px 0 46px;align-self:center;position:relative;z-index:2}
body.page-home-v44 main .hero-media,
body.page-hub-v44 main .hero-media,
body.page-money-v44 main .hero-media{height:auto;min-height:400px;border-radius:0;box-shadow:none;margin:0;align-self:stretch;position:relative;overflow:hidden;background:#dcecf7}
body.page-home-v44 main .hero-media:before,
body.page-hub-v44 main .hero-media:before,
body.page-money-v44 main .hero-media:before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(238,247,255,.55),rgba(238,247,255,0) 25%);pointer-events:none}
body.page-home-v44 main .hero-media img,
body.page-hub-v44 main .hero-media img,
body.page-money-v44 main .hero-media img{width:100%;height:100%;object-fit:cover;object-position:center;filter:saturate(.94) contrast(.98)}
body.page-money-v44 main .trust-strip-grid>div{padding:18px 20px}
body.page-money-v44 main>.section{padding-top:52px}
body.page-money-v44 main .article-layout{grid-template-columns:minmax(0,1fr) 285px;gap:34px}
body.page-money-v44 main .article{border:0;background:transparent;box-shadow:none;padding:0}
body.page-money-v44 main .article>section:not(.premium-overview):not(.related-premium){padding:24px 26px;margin-bottom:22px;border:1px solid #e1eaf0;border-radius:12px;box-shadow:0 3px 13px rgba(6,35,61,.025)}
body.page-money-v44 main .premium-overview{border-radius:14px;padding:25px;margin-bottom:24px}
body.page-money-v44 main aside{position:sticky;top:96px}
body.page-hub-v44 main .hero-v35-grid{min-height:390px}
body.page-hub-v44 main .hero-copy{padding-block:32px 38px}
body.page-hub-v44 main .section{padding-block:56px}
body.page-home-v44 main .section{padding-block:58px}

/* Approved editorial article appearance */
body.page-guide-v44 main{background:#fff}
body.page-guide-v44 main .guide-head-v44{background:#fff;border-bottom:1px solid #e5edf3;padding:0}
body.page-guide-v44 main .guide-head-v44>.container{padding-top:18px;padding-bottom:28px}
body.page-guide-v44 main .guide-title-grid-v44{display:block;max-width:900px;min-height:0}
body.page-guide-v44 main .guide-title-copy-v44{padding:18px 0 4px}
body.page-guide-v44 main .guide-title-copy-v44 h1{font-size:clamp(38px,4.2vw,58px);line-height:1.03;letter-spacing:-.04em;margin:0 0 16px;max-width:900px}
body.page-guide-v44 main .guide-title-copy-v44 .lead{font-size:18px;color:#425f75;max-width:780px;margin:0 0 14px}
body.page-guide-v44 main .guide-meta-v44{font-size:13px;color:#6a8192}
body.page-guide-v44 main>.section{padding-top:36px}
body.page-guide-v44 main .article-layout{grid-template-columns:minmax(0,1fr) 275px;gap:34px;align-items:start}
body.page-guide-v44 main .article{border:0;box-shadow:none;background:transparent;padding:0;min-width:0}
body.page-guide-v44 main .guide-feature-v44{margin:0 0 26px;border-radius:12px;overflow:hidden;background:#eef4f7;box-shadow:0 5px 18px rgba(6,35,61,.055)}
body.page-guide-v44 main .guide-feature-image-v44{display:block;width:100%;aspect-ratio:16/8.6;object-fit:cover}
body.page-guide-v44 main .article>.editorial{display:flex;gap:12px;align-items:center;background:#f8fbfd;border:1px solid #e0e9ef;border-left:0;border-radius:10px;padding:13px 15px;margin:0 0 20px}
body.page-guide-v44 main .article>h2{font-size:clamp(26px,2.6vw,34px);margin:34px 0 12px}
body.page-guide-v44 main .article>p{max-width:76ch}
body.page-guide-v44 main .callout,body.page-guide-v44 main .context-cta{border-radius:10px}
body.page-guide-v44 main aside{position:sticky;top:96px}
body.page-guide-v44 main .side-card{border-radius:10px;box-shadow:0 5px 18px rgba(6,35,61,.045)}

/* Legal / service: typography first, like approved reference */
body.page-service-v44 main .service-head-v44{background:#fff;border-bottom:1px solid #e5edf3}
body.page-service-v44 main .service-head-v44>.container{padding-top:18px;padding-bottom:22px}
body.page-service-v44 main .service-title-v44{display:block;max-width:900px}
body.page-service-v44 main .service-title-copy-v44{padding:20px 0 8px}
body.page-service-v44 main .service-title-copy-v44 h1{font-size:clamp(38px,4vw,54px);line-height:1.04;margin:0 0 12px}
body.page-service-v44 main .service-title-copy-v44 .lead{font-size:17px;color:#4f687b;max-width:760px}
body.page-service-v44 main>.section{padding-block:34px 60px}
body.page-service-v44 main .content-shell-v42,body.page-service-v44 main .article-narrow{width:min(1040px,calc(100% - 40px));max-width:1040px;margin-inline:auto}
body.page-service-v44 main .legal-content{background:#fff;border:0;border-radius:0;box-shadow:none;padding:8px 0 24px}
body.page-service-v44 main .legal-content h2{font-size:22px;margin:28px 0 8px}
body.page-service-v44 main .legal-content p,body.page-service-v44 main .legal-content li{color:#39556a}
body.page-service-v44 main .legal-grid-v44{columns:2;column-gap:58px}
body.page-service-v44 main .legal-grid-v44>*{break-inside:avoid-column}
body.page-service-v44 main .ai-disclosure-inline-v42{background:#f7fafc;border:1px solid #dfe8ee;border-left:3px solid #1976df;border-radius:9px;padding:16px 18px}

/* Calculator: never clip dynamic partner iframe; inline height can win. */
body.calculator-view-v44 main{overflow:visible!important}
body.calculator-view-v44 .calculator-wide-v41{width:min(1540px,calc(100% - 32px));max-width:none}
body.calculator-view-v44 .calculator-section-v41{overflow:visible!important;padding-top:22px}
body.calculator-view-v44 .calculator-stage-v44{position:relative;width:100%;overflow:visible!important;contain:none!important;max-height:none!important;height:auto!important;min-height:760px;padding:12px 10px;border:1px solid #d9e5ee;border-radius:12px;background:#fff;box-shadow:0 8px 26px rgba(6,35,61,.055)}
body.calculator-view-v44 .calculator-stage-v44>div{width:100%!important;max-width:none!important;min-width:0!important;overflow:visible!important;max-height:none!important}
body.calculator-view-v44 .calculator-stage-v44 iframe{display:block!important;width:100%!important;max-width:100%!important;min-height:760px;border:0!important;margin:0!important;overflow:visible!important;transition:min-height .18s ease,height .18s ease}
body.calculator-view-v44 .calculator-stage-v44[data-product="kfz"] iframe{min-height:1250px}
body.calculator-view-v44 .calculator-stage-v44.is-expanded iframe{min-height:1700px}
body.calculator-view-v44 .calculator-stage-v44.is-tall iframe{min-height:2300px}

@media(max-width:1080px){
 body.page-home-v44 main .hero-v35-grid,body.page-hub-v44 main .hero-v35-grid,body.page-money-v44 main .hero-v35-grid{grid-template-columns:1fr;gap:0;min-height:0}
 body.page-home-v44 main .hero-media,body.page-hub-v44 main .hero-media,body.page-money-v44 main .hero-media{min-height:330px;height:330px;margin:0;border-radius:0}
 body.page-home-v44 main .hero-media:before,body.page-hub-v44 main .hero-media:before,body.page-money-v44 main .hero-media:before{display:none}
 body.page-money-v44 main .article-layout,body.page-guide-v44 main .article-layout{grid-template-columns:1fr}
 body.page-money-v44 main aside,body.page-guide-v44 main aside{position:static}
}
@media(max-width:720px){
 body.v4 main .section{padding-block:40px}
 body.page-home-v44 main .hero-copy,body.page-hub-v44 main .hero-copy,body.page-money-v44 main .hero-copy{padding-block:22px 20px}
 body.page-home-v44 main .hero-media,body.page-hub-v44 main .hero-media,body.page-money-v44 main .hero-media{height:235px;min-height:235px;margin-inline:-14px}
 body.page-money-v44 main .article>section:not(.premium-overview):not(.related-premium){padding:19px 17px;border-radius:10px}
 body.page-guide-v44 main .guide-head-v44>.container{padding-bottom:20px}
 body.page-guide-v44 main .guide-title-copy-v44{padding-top:12px}
 body.page-guide-v44 main .guide-title-copy-v44 h1{font-size:clamp(32px,9vw,44px)}
 body.page-guide-v44 main .guide-feature-v44{border-radius:8px;margin-bottom:20px}
 body.page-guide-v44 main .guide-feature-image-v44{aspect-ratio:16/10}
 body.page-service-v44 main .content-shell-v42,body.page-service-v44 main .article-narrow{width:min(100% - 28px,1040px)}
 body.page-service-v44 main .legal-grid-v44{columns:1}
 body.calculator-view-v44 .calculator-wide-v41{width:calc(100% - 10px)}
 body.calculator-view-v44 .calculator-stage-v44{padding:4px 1px;border-radius:7px;min-height:980px;box-shadow:none}
 body.calculator-view-v44 .calculator-stage-v44 iframe{min-height:980px}
 body.calculator-view-v44 .calculator-stage-v44[data-product="kfz"] iframe{min-height:1650px}
 body.calculator-view-v44 .calculator-stage-v44.is-expanded iframe{min-height:2200px}
 body.calculator-view-v44 .calculator-stage-v44.is-tall iframe{min-height:2900px}
}

/* v4.4 mobile long-word and breadcrumb hardening */
body.v4 main .hero-v35-grid,body.v4 main .hero-copy,body.v4 main .hero-media{min-width:0}
body.v4 main .hero-copy h1,body.v4 main .guide-title-copy-v44 h1,body.v4 main .service-title-copy-v44 h1{overflow-wrap:anywhere;word-break:normal;hyphens:auto}
body.v4 main .hero-breadcrumb{min-width:0;max-width:100%;display:flex;flex-wrap:nowrap;overflow:hidden}
body.v4 main .hero-breadcrumb>*{min-width:0}
body.v4 main .hero-breadcrumb span:last-child{flex:1 1 auto;min-width:0;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
@media(max-width:1080px){
 body.page-home-v44 main .hero-v35-grid,body.page-hub-v44 main .hero-v35-grid,body.page-money-v44 main .hero-v35-grid{grid-template-columns:minmax(0,1fr)!important}
 body.page-home-v44 main .hero-copy,body.page-hub-v44 main .hero-copy,body.page-money-v44 main .hero-copy{width:100%;max-width:100%;min-width:0}
}
@media(max-width:720px){
 body.v4 main .hero-copy h1{font-size:clamp(32px,9.2vw,44px);line-height:1.02}
 body.v4 main .hero-copy .lead,body.v4 main .hero-benefits,body.v4 main .hero-actions,body.v4 main .hero-secure{max-width:100%;min-width:0;overflow-wrap:anywhere}
 body.v4 main .hero-actions .btn{max-width:100%;white-space:normal;text-align:center}
}

/* v4.4 final narrow-screen containment */
@media(max-width:720px){
 body.page-home-v44 main .hero-media,body.page-hub-v44 main .hero-media,body.page-money-v44 main .hero-media{margin-inline:0;width:100%}
 body.v4 .calculator-teaser-grid-v41{grid-template-columns:minmax(0,1fr)!important;gap:18px}
 body.v4 .calculator-teaser-grid-v41>*{min-width:0;max-width:100%}
 body.v4 .calculator-teaser-card-v41 h2{overflow-wrap:anywhere;hyphens:auto}
 body.v4 .calculator-teaser-actions-v41{width:100%;max-width:100%;min-width:0}
 body.v4 .calculator-teaser-actions-v41 .btn{width:100%;max-width:100%;white-space:normal}
}

/* v4.4 compound-word containment in German headings */
body.v4 main h2,body.v4 main h3,body.v4 main .product-card strong,body.v4 main .hub-card strong{overflow-wrap:anywhere;hyphens:auto;min-width:0}


/* ============================================================
   v4.5 Complete Reference-Matched System — 2026-09-27
   ============================================================ */
body.v45 main{background:#fff}
body.v45 main .hero-v35{background:linear-gradient(90deg,#f7fbff 0%,#eef7fd 48%,#e4f1f9 100%)}
body.v45 main .hero-v35>.container{padding-top:14px}
body.v45 main .hero-copy h1{color:#062b63;font-weight:850;letter-spacing:-.045em}
body.v45 main .hero-copy .lead{color:#173f64;line-height:1.48}
body.v45 main .hero-media img{filter:saturate(.93) contrast(.99);image-rendering:auto}
body.v45 main .trust-strip{box-shadow:0 3px 12px rgba(7,37,70,.025)}
body.v45 main .trust-strip-grid>div{min-height:84px}
body.v45 main .section-title-row h2,body.v45 main .section-head h2{color:#082f67}
body.v45 main .product-image-card{box-shadow:0 5px 18px rgba(7,40,70,.055);transition:transform .18s ease,box-shadow .18s ease}
body.v45 main .product-image-card:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(7,40,70,.09)}
body.v45 main .product-image-card>img{aspect-ratio:16/9;object-fit:cover}
body.v45 main .premium-overview,body.v45 main .calculator-teaser-card-v41{background:#f7fbff;border-color:#d6e6f1}
body.v45 main .article>section:not(.premium-overview):not(.related-premium){box-shadow:none}

/* Homepage: reference hero proportions */
body.page-home-v44.v45 main .hero-v35-grid{grid-template-columns:minmax(0,1.04fr) minmax(420px,.96fr);min-height:455px;gap:22px}
body.page-home-v44.v45 main .hero-copy{padding:34px 0 42px}
body.page-home-v44.v45 main .hero-copy h1{font-size:clamp(40px,4.25vw,60px);max-width:700px}
body.page-home-v44.v45 main .hero-media{min-height:410px}
body.page-home-v44.v45 main .hero-media img{object-position:center center}
body.page-home-v44.v45 main .section{padding-block:54px}

/* Money pages: same visual rhythm as approved v4.5 mockup */
body.page-money-v44.v45 main .hero-v35-grid{min-height:440px;grid-template-columns:minmax(0,1.02fr) minmax(430px,.98fr)}
body.page-money-v44.v45 main .hero-copy{padding:34px 0 40px}
body.page-money-v44.v45 main .hero-media{min-height:405px}
body.page-money-v44.v45 main .hero-benefits{gap:9px;margin:15px 0 20px}
body.page-money-v44.v45 main .hero-actions{margin-top:18px}
body.page-money-v44.v45 main>.section{padding-top:44px}
body.page-money-v44.v45 main .article>section:not(.premium-overview):not(.related-premium){padding:23px 25px;margin-bottom:20px;border-radius:12px}

/* Hub pages: photograph first, cards compact */
body.page-hub-v44.v45 main .hero-v35-grid{min-height:390px}
body.page-hub-v44.v45 main .hero-media{min-height:350px}
body.page-hub-v44.v45 main .section{padding-block:52px}

/* Editorial pages: article look rather than landing-page look */
body.page-guide-v44.v45 main .guide-head-v44>.container{padding-top:15px;padding-bottom:20px}
body.page-guide-v44.v45 main .guide-title-copy-v44{padding-top:12px}
body.page-guide-v44.v45 main .guide-title-copy-v44 h1{font-size:clamp(36px,3.75vw,52px);max-width:850px}
body.page-guide-v44.v45 main>.section{padding-top:28px}
body.page-guide-v44.v45 main .guide-feature-v44{border-radius:10px;margin-bottom:22px;box-shadow:none;border:1px solid #e2ebf1}
body.page-guide-v44.v45 main .guide-feature-image-v44{aspect-ratio:16/8.2}
body.page-guide-v44.v45 main .article>section{box-shadow:none}

/* Service/legal: deliberately no decorative pseudo-hero imagery. */
body.page-service-v44.v45 main .service-head-v44{background:#fff}
body.page-service-v44.v45 main .service-head-v44>.container{padding-top:18px;padding-bottom:18px}
body.page-service-v44.v45 main .service-title-v44{max-width:920px}
body.page-service-v44.v45 main .service-title-copy-v44 h1{font-size:clamp(36px,3.8vw,50px);margin-bottom:10px}
body.page-service-v44.v45 main>.section{padding-top:30px}
body.page-service-v44.v45 main .legal-content{box-shadow:none;border-radius:12px;padding:30px 34px}
body.page-service-v44.v45 main .legal-grid-v44{max-width:980px}

/* Calculator pages: height must grow with partner workflow; never clip. */
body.v45 .calculator-stage-v41{height:auto!important;min-height:620px!important;max-height:none!important;overflow:visible!important;contain:none!important}
body.v45 .calculator-stage-v41>div{height:auto!important;min-height:600px!important;max-height:none!important;overflow:visible!important}
body.v45 .calculator-stage-v41 iframe{width:100%!important;max-width:100%!important;min-height:600px;border:0!important;overflow:visible!important}
body.v45 .calculator-wide-v41{width:min(1480px,calc(100% - 36px))}

@media(max-width:1080px){
 body.page-home-v44.v45 main .hero-v35-grid,body.page-money-v44.v45 main .hero-v35-grid{grid-template-columns:1fr;gap:0;min-height:0}
 body.page-home-v44.v45 main .hero-media,body.page-money-v44.v45 main .hero-media{height:340px;min-height:340px}
}
@media(max-width:640px){
 body.v45 main .hero-copy h1{font-size:clamp(32px,9.5vw,43px)}
 body.page-home-v44.v45 main .hero-media,body.page-money-v44.v45 main .hero-media,body.page-hub-v44.v45 main .hero-media{height:240px;min-height:240px}
 body.page-guide-v44.v45 main .guide-feature-image-v44{aspect-ratio:16/10}
 body.page-service-v44.v45 main .legal-content{padding:21px 17px}
 body.v45 .calculator-stage-v41{min-height:760px!important;padding:6px 2px}
 body.v45 .calculator-stage-v41>div,body.v45 .calculator-stage-v41 iframe{min-height:740px!important}
}


/* ============================================================
   v4.6 — true integrated hero/background system
   Approved visual reference: full-width photography with HTML copy/CTA in foreground.
   ============================================================ */
body.v46 main{background:#fff}
body.v46 .hero-background-v46,
body.v46 .guide-background-v46,
body.v46 .service-background-v46{
  position:relative;isolation:isolate;background-image:var(--hero-bg);background-size:cover;background-repeat:no-repeat;
  background-position:center center;overflow:hidden;border-bottom:1px solid #cfdfea;
}
body.v46 .hero-background-v46::before,
body.v46 .guide-background-v46::before,
body.v46 .service-background-v46::before{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:linear-gradient(90deg,rgba(249,252,255,.995) 0%,rgba(246,251,255,.97) 30%,rgba(239,248,255,.86) 48%,rgba(234,245,253,.38) 65%,rgba(230,241,248,.06) 100%);
}
body.v46 .hero-background-v46::after,
body.v46 .guide-background-v46::after,
body.v46 .service-background-v46::after{
  content:"";position:absolute;inset:auto 0 0;height:28%;z-index:-1;pointer-events:none;
  background:linear-gradient(0deg,rgba(245,250,254,.28),rgba(245,250,254,0));
}
body.v46 .hero-background-v46>.container,
body.v46 .guide-background-v46>.container,
body.v46 .service-background-v46>.container{position:relative;z-index:1}
body.v46 .hero-background-v46 .hero-v35-grid{display:block;min-height:500px;padding:0;}
body.v46 .hero-background-v46 .hero-overlay-copy-v46{width:min(57%,720px);min-width:0;padding:48px 0 52px;text-shadow:0 1px 0 rgba(255,255,255,.24)}
body.v46 .hero-background-v46 .hero-copy h1{font-size:clamp(40px,4.55vw,66px);line-height:.985;max-width:720px}
body.v46 .hero-background-v46 .hero-copy .lead{max-width:640px}
body.v46.page-home-v44 .hero-background-v46 .hero-v35-grid{min-height:535px}
body.v46.page-home-v44 .hero-background-v46 .hero-overlay-copy-v46{width:min(58%,740px);padding-block:54px 58px}
body.v46.page-money-v44 .hero-background-v46 .hero-overlay-copy-v46{width:min(55%,680px)}
body.v46.page-hub-v44 .hero-background-v46 .hero-v35-grid{min-height:450px}
body.v46.page-hub-v44 .hero-background-v46 .hero-overlay-copy-v46{width:min(56%,690px);padding-block:42px 46px}

/* Guide/article hero: the editorial photograph is now the title background rather than a detached rectangle. */
body.v46 .guide-background-v46{min-height:405px;background-position:center center}
body.v46 .guide-background-v46>.container{padding-top:18px;padding-bottom:0}
body.v46 .guide-background-v46 .guide-overlay-grid-v46{display:block;min-height:360px;max-width:none}
body.v46 .guide-background-v46 .guide-overlay-copy-v46{width:min(55%,760px);padding:54px 0 50px}
body.v46 .guide-background-v46 .guide-title-copy-v44 h1{font-size:clamp(38px,4vw,58px);line-height:1.015;color:#062b63;margin-bottom:14px}
body.v46 .guide-background-v46 .guide-title-copy-v44 .lead{font-size:18px;line-height:1.5;color:#244b6e;max-width:690px}
body.v46 .guide-background-v46 .guide-meta-v44{color:#496a84;font-weight:600}
body.v46.page-guide-v44 main>.section{padding-top:34px}

/* About/contact/editorial/transparency receive a restrained photographic banner; legal pages stay text-first. */
body.v46 .service-background-v46{min-height:370px;background-position:center center}
body.v46 .service-background-v46 .service-title-v44{display:block;min-height:325px;max-width:none}
body.v46 .service-background-v46 .service-overlay-copy-v46{width:min(56%,760px);padding:52px 0 48px}
body.v46 .service-background-v46 .service-title-copy-v44 h1{font-size:clamp(38px,4vw,56px);line-height:1.02;color:#062b63}
body.v46 .service-background-v46 .service-title-copy-v44 .lead{max-width:690px;color:#244b6e;font-size:18px}

/* Preserve crisp foreground UI over photography. */
body.v46 .hero-background-v46 .eyebrow-v35,
body.v46 .guide-background-v46 .eyebrow-v35,
body.v46 .service-background-v46 .eyebrow-v35{background:rgba(255,255,255,.86);backdrop-filter:blur(4px)}
body.v46 .hero-background-v46 .btn-primary{box-shadow:0 10px 26px rgba(255,100,20,.28)}
body.v46 .hero-background-v46 .hero-product-search{max-width:560px;background:rgba(255,255,255,.92);border-radius:11px;box-shadow:0 8px 24px rgba(6,35,61,.08)}
body.v46 .hero-background-v46 .hero-benefits li{max-width:610px}

/* Calculator remains content-first; no decorative hero can interfere with iframe sizing. */
body.v46.calculator-view-v44 .calculator-stage-v41{height:auto!important;max-height:none!important;overflow:visible!important}
body.v46.calculator-view-v44 .calculator-stage-v41>div{height:auto!important;max-height:none!important;overflow:visible!important}
body.v46.calculator-view-v44 .calculator-stage-v41 iframe{max-height:none!important;overflow:visible!important}

@media(max-width:1080px){
 body.v46 .hero-background-v46::before,body.v46 .guide-background-v46::before,body.v46 .service-background-v46::before{
   background:linear-gradient(90deg,rgba(249,252,255,.99) 0%,rgba(246,251,255,.94) 54%,rgba(237,247,254,.52) 78%,rgba(234,245,253,.20) 100%)}
 body.v46 .hero-background-v46 .hero-overlay-copy-v46,body.v46 .guide-background-v46 .guide-overlay-copy-v46,body.v46 .service-background-v46 .service-overlay-copy-v46{width:min(67%,720px)}
}
@media(max-width:760px){
 body.v46 .hero-background-v46,body.v46 .guide-background-v46,body.v46 .service-background-v46{background-position:62% center}
 body.v46 .hero-background-v46::before,body.v46 .guide-background-v46::before,body.v46 .service-background-v46::before{
   background:linear-gradient(180deg,rgba(250,253,255,.995) 0%,rgba(248,252,255,.985) 55%,rgba(244,250,254,.88) 73%,rgba(240,248,253,.52) 100%)}
 body.v46 .hero-background-v46 .hero-v35-grid{min-height:590px}
 body.v46.page-home-v44 .hero-background-v46 .hero-v35-grid{min-height:620px}
 body.v46 .hero-background-v46 .hero-overlay-copy-v46{width:100%;padding:24px 0 255px}
 body.v46 .hero-background-v46 .hero-copy h1{font-size:clamp(33px,9.7vw,46px)}
 body.v46 .hero-background-v46 .hero-copy .lead{font-size:16px}
 body.v46 .guide-background-v46{min-height:600px;background-position:58% center}
 body.v46 .guide-background-v46 .guide-overlay-grid-v46{min-height:550px}
 body.v46 .guide-background-v46 .guide-overlay-copy-v46{width:100%;padding:22px 0 260px}
 body.v46 .guide-background-v46 .guide-title-copy-v44 h1{font-size:clamp(32px,9vw,44px)}
 body.v46 .service-background-v46{min-height:560px;background-position:60% center}
 body.v46 .service-background-v46 .service-title-v44{min-height:520px}
 body.v46 .service-background-v46 .service-overlay-copy-v46{width:100%;padding:24px 0 250px}
}
@media(max-width:420px){
 body.v46 .hero-background-v46 .hero-overlay-copy-v46{padding-bottom:220px}
 body.v46 .guide-background-v46 .guide-overlay-copy-v46{padding-bottom:235px}
 body.v46 .service-background-v46 .service-overlay-copy-v46{padding-bottom:225px}
}

/* v4.6 final hotfix: robust real image layer for hero/background sections.
   Uses a real <img> element instead of relying on an inline CSS custom-property URL,
   so the hero remains visible with aggressive caching/minification/CDN setups. */
body.v46 .hero-background-v46,
body.v46 .guide-background-v46,
body.v46 .service-background-v46{
  background-image:none!important;
  position:relative!important;
  isolation:isolate;
}
body.v46 .hero-bg-img-v46{
  position:absolute;
  inset:0;
  width:100%;
  height:100%;
  max-width:none;
  object-fit:cover;
  object-position:center center;
  display:block;
  z-index:0;
  pointer-events:none;
  user-select:none;
}
body.v46 .hero-background-v46::before,
body.v46 .guide-background-v46::before,
body.v46 .service-background-v46::before{
  z-index:1!important;
}
body.v46 .hero-background-v46::after,
body.v46 .guide-background-v46::after,
body.v46 .service-background-v46::after{
  z-index:1!important;
}
body.v46 .hero-background-v46>.container,
body.v46 .guide-background-v46>.container,
body.v46 .service-background-v46>.container{
  position:relative;
  z-index:2!important;
}
@media(max-width:760px){
  body.v46 .hero-bg-img-v46{object-position:62% center}
  body.v46 .guide-background-v46 .hero-bg-img-v46{object-position:58% center}
  body.v46 .service-background-v46 .hero-bg-img-v46{object-position:60% center}
}