/* ===== Wissensartikel (scoped · helles Layout, schattenfrei) ===== */
/* harte Regel: nirgends Schatten auf dieser Seite */
*{box-shadow:none!important}
:root{--ln:rgba(10,15,12,.10);--ln2:rgba(10,15,12,.07)}

.art-sec{scroll-margin-top:140px}

/* helle Sektionen wechseln Weiß / Nebel */
.section--mist{background:var(--mist);color:var(--ink)}
.section--mist .sec-head h2,.section--white .sec-head h2{color:var(--ink)}
.section--mist .sec-head p,.section--white .sec-head p{color:var(--muted-d)}

/* einheitlicher heller Karten-Look */
.card-lite{background:#fff;;border-radius:1rem}
/* saubere, leichte Icon-Chips (gold getönt, dünne Striche) */
.ic{display:grid;place-items:center;border-radius:13px;background:rgba(21,182,90,.10);color:var(--gold-2)}
.ic svg{width:24px;height:24px;stroke-width:1.7}
.feat-ic,.stake-ic,.tax-card .h .pic,.ben-card .h .pic{display:grid;place-items:center;border-radius:13px;background:rgba(21,182,90,.10);color:var(--gold-2)}

/* ---------- HERO bleibt dunkel ---------- */
/* ---------- HERO · hell, flach, modern (kein Schatten, kein Glanz) ---------- */
.art-hero{background:#fff;color:var(--ink);padding:clamp(116px,15vh,168px) 0 clamp(34px,4vw,52px);position:relative;overflow:hidden}
.art-hero::before{content:"";position:absolute;top:-40%;right:-12%;width:55%;height:120%;background:radial-gradient(50% 50% at 50% 50%,rgba(21,182,90,.07),transparent 70%);pointer-events:none}
.art-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(28px,5vw,58px);align-items:center;position:relative}
.art-crumb{display:flex;align-items:center;gap:8px;font-size:.84rem;color:var(--muted-d);margin-bottom:20px;flex-wrap:wrap}
.art-crumb a{color:var(--muted-d)}
.art-crumb a:hover{color:var(--gold-2)}
.art-crumb svg{width:14px;height:14px;color:#C2CDC6}
.art-crumb .cur{color:var(--navy-700);font-weight:500}
.art-head h1{color:var(--ink);font-size:clamp(2.2rem,4.6vw,3.4rem);letter-spacing:-.035em;line-height:1.04;margin-top:14px}
.art-lead{margin-top:20px;color:var(--muted-d);font-size:1.08rem;font-weight:300;line-height:1.6;max-width:560px}
.art-actions{margin-top:30px;display:flex;gap:13px;flex-wrap:wrap}
/* flache Buttons im Artikel – kein Verlauf, kein Schatten */
.art-hero .btn,.art-cta .btn,.nav .btn,#rechner .btn{background:var(--gold-2);color:#06210F}
.art-hero .btn--ghost,.art-cta .btn--ghost{background:#fff;;color:var(--ink)}
.art-hero .btn--ghost:hover,.art-cta .btn--ghost:hover{background:var(--mist);border-color:rgba(10,15,12,.2)}
/* Nav an den hellen Hero anpassen (oben dunkle Schrift, gescrollt wieder hell) */
.nav:not(.scrolled) .nav-logo{color:var(--ink)}
.nav:not(.scrolled) .nav-links a{color:var(--muted-d)}
.nav:not(.scrolled) .nav-links a:hover,.nav:not(.scrolled) .nav-links a[aria-current]{color:var(--ink)}
.nav:not(.scrolled) .nav-burger span{background:var(--ink)}
.art-trust{margin-top:26px;padding-top:22px;border-top:1px solid var(--ln);display:flex;align-items:center;gap:10px;color:var(--muted-d);font-size:.86rem}
.art-trust svg{width:17px;height:17px;color:var(--gold-2);flex:0 0 auto}
.art-hero-fig{position:relative}
.art-hero-fig .illu{;background:var(--mist)}

/* ---------- HERO Portrait (Patrick · modern, bündig) ---------- */
.art-portrait{position:relative;display:flex;justify-content:center;width:100%}
.art-portrait .pf-card{position:relative;width:100%;max-width:500px;aspect-ratio:1/1.16;background:none;border-radius:0;overflow:visible}
.art-portrait .pf-card::before{content:"";position:absolute;left:50%;bottom:0;transform:translateX(-50%);width:88%;height:32%;border-radius:50%;background:radial-gradient(closest-side,rgba(21,182,90,.16),transparent 72%);z-index:0}
.art-portrait .pf-card::after{display:none}
.art-portrait .pf-card img{position:absolute;left:50%;bottom:0;transform:translateX(-50%);height:94%;width:auto;object-fit:contain;object-position:bottom;z-index:1;filter:drop-shadow(0 22px 36px rgba(11,40,24,.22)) drop-shadow(0 5px 12px rgba(11,40,24,.14))}
.art-portrait .pf-name{position:absolute;left:16px;bottom:16px;z-index:3;background:rgba(255,255,255,.84);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);;border-radius:13px;padding:10px 15px}
.art-portrait .pf-name b{display:block;font-family:"Onest";font-weight:600;color:var(--ink);font-size:1rem;line-height:1}
.art-portrait .pf-name span{display:block;color:var(--gold-2);font-size:.78rem;margin-top:4px}
/* schwebende Glas-Chips */
.pf-chip{position:absolute;z-index:4;display:flex;align-items:center;gap:11px;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);;border-radius:15px;padding:11px 15px}
.pf-chip .pic{width:36px;height:36px;border-radius:10px;background:rgba(21,182,90,.12);display:grid;place-items:center;color:var(--gold-2);flex:0 0 auto}
.pf-chip .pic svg{width:19px;height:19px}
.pf-chip .tx b{display:block;font-family:"Onest";font-weight:600;color:var(--ink);font-size:1rem;line-height:1}
.pf-chip .tx span{display:block;color:var(--muted-d);font-size:.74rem;margin-top:4px;white-space:nowrap}
.pf-chip--tl{top:15%;left:7%}
.pf-chip--br{bottom:20%;right:5%}
@media(max-width:520px){.pf-chip{display:none}}

/* ---------- Floating Inhalts-TOC (rechts ausgerichtet, klärt den Header) ---------- */
.toc-bar{position:sticky;top:80px;z-index:60;width:max-content;max-width:calc(100% - 32px);margin:0 auto;background:rgba(255,255,255,.78);-webkit-backdrop-filter:blur(26px) saturate(1.7);backdrop-filter:blur(26px) saturate(1.7);border:1px solid var(--ln);border-radius:20rem}
.toc-bar-inner{max-width:var(--maxw);margin:0 auto;padding:8px 12px;display:flex;gap:6px;align-items:center;justify-content:flex-start;overflow-x:auto;scrollbar-width:none}
.toc-bar-inner::-webkit-scrollbar{display:none}
.toc-bar-h{flex:0 0 auto;margin-right:auto;font-family:"Onest";font-weight:600;font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted-d)}
.toc-link{flex:0 0 auto;display:inline-flex;align-items:center;gap:8px;padding:8px 15px;border-radius:20rem;font-family:"Onest";font-weight:500;font-size:.9rem;color:var(--muted-d);border:1px solid transparent;white-space:nowrap;transition:.18s}
.toc-link .n{font-size:.78rem;color:#A7AECB;font-weight:600}
.toc-link:hover{color:var(--ink);background:var(--mist)}
.toc-link.active{color:var(--navy-700);background:rgba(21,182,90,.10);border-color:rgba(21,182,90,.28)}
.toc-link.active .n{color:var(--gold-2)}
/* auf breiten Screens: echtes schwebendes Panel rechts neben dem Inhalt */
@media(min-width:1560px){
  .toc-bar{position:fixed;top:50%;right:clamp(24px,calc((100vw - var(--maxw))/2 - 188px),200px);transform:translateY(-50%);width:206px;;border-radius:18px;padding:16px 14px}
  .toc-bar-inner{flex-direction:column;align-items:stretch;justify-content:flex-start;gap:3px;padding:0;overflow:visible}
  .toc-bar-h{margin:0 0 8px;padding:0 4px 11px;border-bottom:1px solid var(--ln)}
  .toc-link{width:100%;justify-content:flex-start}
}

/* ---------- Autor-Strip (Patrick · links/rechts) ---------- */
.art-author{display:grid;grid-template-columns:198px 1fr;gap:clamp(22px,4vw,46px);align-items:center;background:#fff;;border-radius:1.5rem;padding:clamp(20px,3vw,30px);max-width:940px;margin:0 auto}
.art-author .ph{position:relative;width:100%;aspect-ratio:1/1.06;border-radius:1.2rem;overflow:hidden;background:linear-gradient(180deg,#EAF7F0,#EDF1EE);}
.art-author .ph::before{content:"";position:absolute;left:50%;bottom:-10%;transform:translateX(-50%);width:92%;height:92%;border-radius:50%;background:radial-gradient(closest-side,rgba(21,182,90,.22),transparent)}
.art-author .ph img{position:absolute;left:50%;bottom:0;transform:translateX(-50%);height:100%;width:auto;object-fit:contain;object-position:bottom;z-index:1}
.art-author .q{font-size:clamp(1.06rem,2vw,1.24rem);font-weight:300;line-height:1.5;color:var(--navy-700)}
.art-author .q b{color:var(--ink);font-weight:600}
.art-author .who{margin-top:18px;display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.art-author .who b{font-family:"Onest";color:var(--ink);font-weight:600}
.art-author .who span{color:var(--gold-2);font-size:.86rem}
.art-author .who .dot{width:4px;height:4px;border-radius:50%;background:#C2CDC6}
@media(max-width:680px){.art-author{grid-template-columns:1fr;justify-items:center;text-align:center}.art-author .ph{max-width:210px}.art-author .who{justify-content:center}}

/* ---------- SPLIT: Text + Illustration links/rechts ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,64px);align-items:center;margin-top:14px}
.split--rev .split-txt{order:2}
.split-txt h3{font-size:clamp(1.3rem,2.6vw,1.7rem);color:var(--ink);letter-spacing:-.02em}
.split-txt p{color:var(--muted-d);font-size:1.02rem;font-weight:300;line-height:1.6;margin-top:14px}
.illu-list{margin-top:22px;display:flex;flex-direction:column;gap:13px}
.illu-row{display:flex;gap:13px;align-items:flex-start;color:var(--navy-700);font-size:.98rem;font-weight:300;line-height:1.5}
.illu-row b{color:var(--ink);font-weight:600}
.illu-row .ck{flex:0 0 auto;width:22px;height:22px;border-radius:7px;background:rgba(21,182,90,.12);display:grid;place-items:center;color:var(--gold-2);margin-top:1px}
.illu-row .ck svg{width:13px;height:13px}
.split-fig{position:relative}
.illu{width:100%;height:auto;display:block;;border-radius:1.2rem;background:#fff}
.section--white .illu{background:var(--mist)}

/* ---------- Definition ---------- */
.def-box{background:#fff;;border-radius:1rem;padding:clamp(28px,4vw,40px);position:relative}
.def-box .pill{margin-bottom:18px}
.def-box p{font-size:1.12rem;line-height:1.62;color:var(--ink);font-weight:300}
.def-box p + p{margin-top:16px}
.def-box b{font-weight:600;color:var(--navy-700)}

/* feature cards */
.feat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:34px}
.feat-card{background:#fff;;border-radius:1rem;padding:30px 28px}
.feat-ic{width:48px;height:48px;margin-bottom:16px}
.feat-card h3{color:var(--ink);font-size:1.12rem}
.feat-card p{color:var(--muted-d);font-size:.95rem;font-weight:300;margin-top:8px;line-height:1.5}

/* two-type compare cards */
.type-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:8px}
.type-card{background:#fff;;border-radius:1rem;padding:32px 30px}
.type-card.hl{border-color:rgba(21,182,90,.45);background:rgba(21,182,90,.04)}
.type-card h3{color:var(--ink);font-size:1.22rem;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.type-card .sub{color:var(--gold-2);font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;margin-top:14px;margin-bottom:14px}
.type-list{display:flex;flex-direction:column;gap:11px}
.type-row{display:flex;gap:11px;align-items:flex-start;color:var(--navy-700);font-size:.95rem;font-weight:300;line-height:1.45}
.type-row .ck{flex:0 0 auto;width:20px;height:20px;border-radius:6px;background:rgba(21,182,90,.12);display:grid;place-items:center;color:var(--gold-2);margin-top:1px}
.type-row .ck.no{background:rgba(90,97,140,.12);color:var(--muted-d)}
.type-row .ck svg{width:12px;height:12px}
.type-row b{color:var(--ink);font-weight:600}

/* phases (numbered steps) */
.phase-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.phase-card{background:#fff;;border-radius:1rem;padding:30px 28px;position:relative}
.phase-n{font-family:"Onest";font-weight:300;font-size:2.4rem;line-height:1;color:var(--gold-2);letter-spacing:-.04em}
.phase-card h3{color:var(--ink);font-size:1.12rem;margin-top:12px}
.phase-card p{color:var(--muted-d);font-size:.94rem;font-weight:300;margin-top:9px;line-height:1.5}

/* tax two-col */
.tax-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:8px}
.tax-card{background:#fff;;border-radius:1rem;padding:34px 32px}
.tax-card .h{display:flex;align-items:center;gap:11px;margin-bottom:18px}
.tax-card .h .pic{width:40px;height:40px}
.tax-card .h .pic svg{width:21px;height:21px}
.tax-card h3{font-size:1.18rem;color:var(--ink)}
.tax-list{display:flex;flex-direction:column;gap:12px}
.tax-row{display:flex;gap:11px;align-items:flex-start;color:var(--navy-700);font-size:.95rem;font-weight:300;line-height:1.5}
.tax-row .ck{flex:0 0 auto;width:21px;height:21px;border-radius:7px;background:rgba(21,182,90,.12);display:grid;place-items:center;color:var(--gold-2);margin-top:1px}
.tax-row .ck svg{width:12px;height:12px}
.tax-row b{color:var(--ink);font-weight:600}

/* benefit two-col */
.ben-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.ben-card{background:#fff;;border-radius:1rem;padding:36px 34px}
.ben-card .h{display:flex;align-items:center;gap:12px;margin-bottom:20px}
.ben-card .h .pic{width:46px;height:46px}
.ben-card .h .pic svg{width:24px;height:24px}
.ben-card h3{font-size:1.28rem;color:var(--ink)}
.ben-list{display:flex;flex-direction:column;gap:13px}
.ben-row{display:flex;gap:12px;align-items:flex-start;font-size:.97rem;color:var(--navy-700);font-weight:300;line-height:1.5}
.ben-row .ck{flex:0 0 auto;width:22px;height:22px;border-radius:7px;background:rgba(39,166,120,.14);display:grid;place-items:center;color:var(--pro);margin-top:1px}
.ben-row .ck svg{width:13px;height:13px}
.ben-row b{font-weight:600;color:var(--ink)}

/* requirements checklist (hell) */
.req-box{background:#fff;;border-radius:1.1rem;padding:clamp(30px,4vw,46px)}
.req-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px 34px}
.req-item{display:flex;gap:14px;align-items:flex-start}
.req-item .pic{flex:0 0 auto;width:40px;height:40px;border-radius:11px;display:grid;place-items:center;background:rgba(21,182,90,.10);color:var(--gold-2);font-family:"Onest";font-weight:600;font-size:.95rem}
.req-item h4{color:var(--ink);font-size:1.04rem;font-weight:600}
.req-item p{color:var(--muted-d);font-size:.92rem;font-weight:300;line-height:1.5;margin-top:5px}

/* ===== Einsatz / Stakes band ===== */
.stakes-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.stake-card{background:#fff;;border-radius:1rem;padding:30px 28px}
.stake-ic{width:48px;height:48px;margin-bottom:18px}
.stake-fig{font-family:"Onest";font-weight:600;font-size:2.1rem;letter-spacing:-.03em;color:var(--ink);line-height:1}
.stake-fig .u{color:var(--gold-2);font-size:1.4rem}
.stake-card h3{color:var(--ink);font-size:1.04rem;margin-top:11px}
.stake-card p{color:var(--muted-d);font-size:.92rem;font-weight:300;margin-top:8px;line-height:1.52}

/* cap comparison bars */
.cap-wrap{margin-top:30px;background:#fff;;border-radius:1.2rem;padding:clamp(26px,3.5vw,40px)}
.cap-title{display:flex;align-items:center;gap:9px;font-family:"Onest";font-weight:600;font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-2);margin-bottom:22px}
.cap-row{display:grid;grid-template-columns:210px 1fr;gap:20px;align-items:center}
.cap-row + .cap-row{margin-top:16px}
.cap-lbl b{display:block;color:var(--ink);font-size:1rem;font-weight:600}
.cap-lbl span{display:block;color:var(--muted-d);font-size:.82rem;margin-top:3px}
.cap-bar{position:relative;height:46px;border-radius:.8rem;background:var(--mist);;overflow:hidden}
.cap-fill{position:absolute;inset:0 auto 0 0;border-radius:.8rem;display:flex;align-items:center;padding:0 18px;font-family:"Onest";font-weight:600;white-space:nowrap;font-size:.96rem}
.cap-fill.cap-dv{width:16%;min-width:120px;background:#D7DBEC;color:var(--navy-700)}
.cap-fill.cap-uk{width:100%;background:linear-gradient(90deg,var(--gold-1),var(--gold-2));color:#13201A}
@media(max-width:600px){.cap-row{grid-template-columns:1fr;gap:9px}}

/* ===== Rechner (hell) ===== */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:26px;background:#fff;;border-radius:1.4rem;padding:clamp(28px,3.6vw,46px)}
.calc-inputs{display:flex;flex-direction:column;gap:26px;justify-content:center}
.calc-field label{display:flex;justify-content:space-between;align-items:baseline;color:var(--navy-700);font-size:.94rem;font-weight:500;margin-bottom:13px}
.calc-field .val{font-family:"Onest";font-weight:600;color:var(--gold-2);font-size:1.08rem}
.calc-field input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:#E4EAE6;outline:none;cursor:pointer}
.calc-field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:23px;height:23px;border-radius:50%;background:linear-gradient(160deg,var(--gold-1),var(--gold-2));cursor:pointer;border:3px solid #fff}
.calc-field input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--gold-2);cursor:pointer;border:3px solid #fff}
.calc-res{background:var(--mist);;border-radius:1.1rem;padding:32px 30px;display:flex;flex-direction:column}
.calc-res .res-eyebrow{color:var(--gold-2);font-size:.72rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase}
.calc-big{font-family:"Onest";font-weight:600;font-size:clamp(2.3rem,4.8vw,3.1rem);letter-spacing:-.03em;color:var(--ink);line-height:1;margin-top:9px}
.calc-sub{color:var(--muted-d);font-size:.9rem;font-weight:300;margin-top:9px;line-height:1.5}
.calc-sub span{color:var(--gold-2);font-weight:600}
.calc-bars{margin-top:26px;display:flex;flex-direction:column;gap:16px}
.calc-bar-lbl{display:flex;justify-content:space-between;color:var(--muted-d);font-size:.86rem;margin-bottom:7px}
.calc-bar-lbl b{color:var(--ink);font-weight:600;font-family:"Onest"}
.calc-track{height:15px;border-radius:8px;background:#E4EAE6;overflow:hidden}
.calc-track .fill{height:100%;border-radius:8px;transition:width .55s cubic-bezier(.22,1,.36,1)}
.calc-track .fill.uk{background:linear-gradient(90deg,var(--gold-1),var(--gold-2))}
.calc-track .fill.pv{background:linear-gradient(90deg,#9AA0C4,#C2CDC6)}
.calc-vorteil{margin-top:24px;padding-top:22px;border-top:1px solid var(--ln);display:flex;align-items:center;gap:13px}
.calc-vorteil .pic{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:rgba(21,182,90,.10);color:var(--gold-2);flex:0 0 auto}
.calc-vorteil .pic svg{width:22px;height:22px}
.calc-vorteil .tx b{display:block;color:var(--ink);font-size:1.22rem;font-family:"Onest";font-weight:600;letter-spacing:-.02em}
.calc-vorteil .tx span{color:var(--muted-d);font-size:.84rem}
.calc-foot{font-size:.76rem;color:var(--muted-d);margin-top:22px;line-height:1.55}

/* ===== heller CTA-Block ===== */
.art-cta{background:var(--mist);;border-radius:1.4rem;padding:clamp(40px,6vw,72px) clamp(26px,5vw,60px);text-align:center;max-width:860px;margin:0 auto}
.art-cta h2{font-size:clamp(2rem,4.6vw,3rem);color:var(--ink);letter-spacing:-.03em;margin-top:16px}
.art-cta p{color:var(--muted-d);font-size:1.1rem;font-weight:300;margin-top:16px;max-width:600px;margin-left:auto;margin-right:auto;line-height:1.55}
.art-cta .eyebrow{justify-content:center;display:inline-flex}
.art-cta .btn--ghost{background:#fff;;color:var(--ink)}
.art-cta .btn--ghost:hover{background:#fff;border-color:rgba(10,15,12,.22)}
.art-cta-note{font-size:.82rem;color:var(--muted-d);max-width:680px;margin:26px auto 0;line-height:1.55}

/* ===== FAQ hell (überschreibt die dunklen Komponenten-Farben) ===== */
#faq .faq-item{border-bottom:1px solid var(--ln)}
#faq .faq-q{color:var(--ink)}
#faq .faq-a-inner{color:var(--muted-d)}

@media(max-width:880px){
  .art-grid{grid-template-columns:1fr}
  .split{grid-template-columns:1fr;gap:30px}
  .split--rev .split-txt{order:0}
  .feat-grid,.type-grid,.phase-grid,.tax-grid,.ben-grid,.req-grid,.stakes-grid{grid-template-columns:1fr}
  .calc{grid-template-columns:1fr}
}

/* ===== Querverweise / verwandte Artikel ===== */
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.rel-card{display:flex;flex-direction:column;gap:10px;background:#fff;;border-radius:1rem;padding:26px 26px;transition:border-color .2s,transform .2s}
.rel-card:hover{border-color:rgba(21,182,90,.4);transform:translateY(-2px)}
.rel-card .ic{width:42px;height:42px}
.rel-card .ic svg{width:21px;height:21px}
.rel-card h3{color:var(--ink);font-size:1.06rem;letter-spacing:-.01em}
.rel-card p{color:var(--muted-d);font-size:.92rem;font-weight:300;line-height:1.5;flex:1}
.rel-card .go{display:inline-flex;align-items:center;gap:7px;color:var(--gold-2);font-family:"Onest";font-weight:600;font-size:.9rem}
.rel-card .go svg{width:16px;height:16px}

/* ===== Info-/Hinweis-Box (hell) ===== */
.note-box{display:flex;gap:16px;align-items:flex-start;background:var(--mist);;border-radius:1rem;padding:24px 26px;margin-top:8px}
.note-box .ic{flex:0 0 auto;width:44px;height:44px}
.note-box h4{color:var(--ink);font-size:1.06rem;margin-bottom:6px}
.note-box p{color:var(--muted-d);font-size:.97rem;font-weight:300;line-height:1.55}
.note-box b{color:var(--navy-700);font-weight:600}

/* ===== KPI-Reihe ===== */
.kpi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.kpi{background:#fff;;border-radius:1rem;padding:30px 28px}
.kpi .big{font-family:"Onest";font-weight:600;font-size:2.2rem;letter-spacing:-.03em;color:var(--ink);line-height:1}
.kpi .big .u{color:var(--gold-2);font-size:1.3rem}
.kpi h3{color:var(--ink);font-size:1.02rem;margin-top:11px}
.kpi p{color:var(--muted-d);font-size:.92rem;font-weight:300;margin-top:7px;line-height:1.5}

/* ===== Prosa-Block für Fließtext ===== */
.prose{max-width:760px}
.prose p{color:var(--navy-700);font-size:1.06rem;font-weight:300;line-height:1.65;margin-top:16px}
.prose p:first-child{margin-top:0}
.prose b{color:var(--ink);font-weight:600}
.prose h3{color:var(--ink);font-size:1.3rem;letter-spacing:-.02em;margin-top:30px}

@media(max-width:880px){
  .rel-grid,.kpi-grid{grid-template-columns:1fr}
}

/* ============ BREADCRUMB BAR (unter dem Header) ============ */
.crumb-bar{background:var(--mist);border-bottom:1px solid var(--ln)}
.crumb-bar .wrap{padding-top:clamp(92px,12vh,108px);padding-bottom:13px}
.crumb-bar .art-crumb{margin:0}
.crumb-bar + .art-hero{padding-top:clamp(30px,4.5vw,52px)}

/* ============ CLEANER · randlose Boxen ============ */
/* Kontrast ueber Flaeche statt Linie – Karten heben sich immer von der Sektion ab */
.section--mist :is(.card-lite,.feat-card,.type-card,.phase-card,.tax-card,.ben-card,.req-box,.stake-card,.cap-wrap,.calc,.rel-card,.kpi,.def-box,.note-box,.art-cta,.illu){background:#fff}
.section--white :is(.card-lite,.feat-card,.type-card,.phase-card,.tax-card,.ben-card,.req-box,.stake-card,.cap-wrap,.calc,.rel-card,.kpi,.def-box,.note-box,.art-cta,.illu){background:var(--mist)}
.type-card.hl{background:rgba(21,182,90,.07)!important}
.calc-res,.cap-bar,.calc-track{background:rgba(21,182,90,.06)}
.cap-fill.cap-dv{background:#DBE4DE}
.art-hero .btn--ghost,.art-cta .btn--ghost{background:var(--mist)}
.art-hero .btn--ghost:hover,.art-cta .btn--ghost:hover{background:var(--mist)}

/* schwebende Glas-Karten mit kraeftigerem Backdrop-Blur */
.pf-chip{background:rgba(255,255,255,.58);-webkit-backdrop-filter:blur(36px) saturate(1.7);backdrop-filter:blur(36px) saturate(1.7);border-radius:18px}
.pf-name{background:rgba(255,255,255,.52);-webkit-backdrop-filter:blur(36px) saturate(1.7);backdrop-filter:blur(36px) saturate(1.7);border-radius:16px}

/* ============ Signature-Icons: gekippte Marken-Siegel mit gekappter Ecke ============ */
.feat-ic,.stake-ic,.tax-card .h .pic,.ben-card .h .pic{
  position:relative;width:58px!important;height:58px!important;margin-bottom:18px;
  display:grid!important;place-items:center;color:#fff!important;
  background:linear-gradient(145deg,#2BE084 0%,#12A552 52%,#0B7A40 100%)!important;
  border-radius:17px;transform:rotate(-7deg);overflow:visible;
  -webkit-clip-path:polygon(0 0,74% 0,100% 26%,100% 100%,0 100%);clip-path:polygon(0 0,74% 0,100% 26%,100% 100%,0 100%)}
.feat-ic::before,.stake-ic::before,.tax-card .h .pic::before,.ben-card .h .pic::before{
  content:"";position:absolute;inset:0;border-radius:inherit;
  background:radial-gradient(120% 95% at 24% 12%,rgba(255,255,255,.55),transparent 56%);
  mix-blend-mode:soft-light;-webkit-clip-path:inherit;clip-path:inherit}
.feat-ic svg,.stake-ic svg{position:relative;width:30px!important;height:30px!important;stroke-width:1.8;transform:rotate(7deg);color:#fff}
.tax-card .h .pic svg,.ben-card .h .pic svg{position:relative;width:26px!important;height:26px!important;stroke-width:1.9;transform:rotate(7deg);color:#fff}
/* kleine Inline-Icons: weiches Tile ohne Kippung */
.ic{position:relative;display:grid!important;place-items:center;width:42px!important;height:42px!important;border-radius:12px;color:var(--gold-2)!important;background:linear-gradient(150deg,rgba(43,224,132,.20),rgba(11,122,64,.14))!important}
.ic svg{width:22px!important;height:22px!important;stroke-width:1.8}
.rel-card .ic{margin-bottom:0}
.note-box .ic{margin-bottom:0}
/* ============ Floating TOC: erst nach 10 % Scroll ============ */
.toc-bar{opacity:0;transform:translateY(-8px);pointer-events:none;transition:opacity .4s ease,transform .4s ease}
.toc-bar.toc-bar--show{opacity:1;transform:none;pointer-events:auto}
@media(min-width:1560px){
  .toc-bar{transform:translateY(-50%)!important;opacity:0;pointer-events:none}
  .toc-bar.toc-bar--show{opacity:1;pointer-events:auto}
}

/* ============ Struktur in den Unterseiten (dezentes Raster) ============ */
.section--mist{background-color:var(--mist);background-image:radial-gradient(rgba(10,15,12,.05) 1px,transparent 1px);background-size:24px 24px}