/* immoschutz.net – Stylesheet
   Layout: ruhige Einspalte (max. 72rem) mit Bauplan-Anmutung – feine Rasterlinien, Slab-Überschriften wie Beschriftungen auf einer Bauzeichnung. */

@font-face { font-family: "Zilla Slab"; src: url("fonts/zilla-slab-latin-500-normal.woff2") format("woff2"); font-weight: 500; font-display: swap; }
@font-face { font-family: "Zilla Slab"; src: url("fonts/zilla-slab-latin-700-normal.woff2") format("woff2"); font-weight: 700; font-display: swap; }
@font-face { font-family: "Source Sans 3"; src: url("fonts/source-sans-3-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-display: swap; }
@font-face { font-family: "Source Sans 3"; src: url("fonts/source-sans-3-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-display: swap; }

:root {
  --petrol: #53858f;        /* OPRIMO-Primärfarbe */
  --petrol-deep: #2f5a63;
  --ink: #1d2a2d;
  --muted: #5a6b6e;
  --paper: #f6f8f8;
  --surface: #ffffff;
  --line: #d6e0e1;
  --tint: #e6eff0;
  --signal: #b8642a;        /* sparsamer Akzent: Hinweise, "nur mit Zusatzbaustein" */
  --display: "Zilla Slab", Rockwell, "Roboto Slab", Georgia, serif;
  --body: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  --radius: 6px;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --petrol: #7fb0ba; --petrol-deep: #a9d0d7; --ink: #e4eced; --muted: #9fb0b3;
    --paper: #121a1c; --surface: #192326; --line: #2c3a3d; --tint: #1e2d31; --signal: #e0955f;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --petrol: #7fb0ba; --petrol-deep: #a9d0d7; --ink: #e4eced; --muted: #9fb0b3;
  --paper: #121a1c; --surface: #192326; --line: #2c3a3d; --tint: #1e2d31; --signal: #e0955f;
  color-scheme: dark;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font: 400 1.0625rem/1.65 var(--body);
}
img { max-width: 100%; height: auto; }
a { color: var(--petrol-deep); text-underline-offset: 3px; }
a:focus-visible, button:focus-visible, summary:focus-visible { outline: 3px solid var(--petrol); outline-offset: 3px; border-radius: 3px; }

.wrap { max-width: 72rem; margin-inline: auto; padding-inline: max(16px, 4vw); }
.prose { max-width: 42rem; }

h1, h2, h3 { font-family: var(--display); font-weight: 700; line-height: 1.15; text-wrap: balance; margin: 0; color: var(--ink); }
h1 { font-size: clamp(2.2rem, 5.5vw, 3.6rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); }
h3 { font-size: 1.3rem; font-weight: 500; }
p { margin: 0; }
.eyebrow { font: 600 0.8rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.12em; color: var(--petrol); }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 38rem; }

/* Header */
.site-header { background: var(--surface); border-bottom: 1px solid var(--line); position: sticky; top: env(safe-area-inset-top, 0px); z-index: 10; }
.site-header .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 0.5rem 2rem; padding-block: 0.8rem; }
.brand { text-decoration: none; color: var(--ink); display: grid; line-height: 1.1; }
.brand-name { font: 700 1.55rem/1 var(--display); letter-spacing: -0.01em; }
.brand-name span { color: var(--petrol); }
.brand-sub { font-size: 0.78rem; color: var(--muted); margin-top: 0.2rem; }
.nav { display: flex; gap: 0.25rem 1.25rem; flex-wrap: wrap; font-weight: 600; font-size: 0.98rem; }
.nav a { text-decoration: none; color: var(--ink); padding-block: 0.25rem; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="page"] { border-color: var(--petrol); }

/* Hero mit Bauplan-Raster */
.hero {
  border-bottom: 1px solid var(--line);
  background-image:
    linear-gradient(var(--line) 1px, transparent 1px),
    linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 48px 48px; background-position: -1px -1px;
  background-color: var(--paper);
}
.hero .wrap { padding-block: clamp(3rem, 8vw, 6rem); display: grid; gap: 1.4rem; }
.hero-card { background: var(--paper); box-shadow: 0 0 0 16px var(--paper); max-width: 46rem; display: grid; gap: 1.2rem; }
.actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 0.4rem; }
.btn { display: inline-block; font: 600 1rem/1 var(--body); padding: 0.95rem 1.4rem; border-radius: var(--radius); text-decoration: none; border: 2px solid var(--petrol-deep); }
.btn-primary { background: var(--petrol-deep); color: var(--surface); }
.btn-primary:hover { background: var(--petrol); border-color: var(--petrol); }
.btn-ghost { color: var(--petrol-deep); background: transparent; }
.btn-ghost:hover { background: var(--tint); }

/* Sektionen */
.section { padding-block: clamp(3rem, 7vw, 5rem); }
.section + .section { border-top: 1px solid var(--line); }
.section-head { display: grid; gap: 0.7rem; margin-bottom: 2rem; max-width: 42rem; }

/* Schadenmatrix */
.matrix-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
.matrix { width: 100%; min-width: 36rem; border-collapse: collapse; font-size: 0.98rem; }
.matrix th, .matrix td { padding: 0.8rem 1rem; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.matrix thead th { font: 600 0.8rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); background: var(--tint); }
.matrix tbody tr:last-child td, .matrix tbody tr:last-child th { border-bottom: 0; }
.matrix tbody th { font-weight: 600; }
.matrix td small { display: block; color: var(--muted); font-size: 0.85rem; }
.mark { display: inline-flex; align-items: center; gap: 0.4rem; font-weight: 600; white-space: nowrap; }
.mark::before { content: ""; width: 0.7rem; height: 0.7rem; border-radius: 2px; background: var(--petrol); }
.mark.opt { color: var(--signal); }
.mark.opt::before { background: transparent; border: 2px solid var(--signal); }
.mark.no { color: var(--muted); font-weight: 400; }
.mark.no::before { background: var(--line); }
.note { font-size: 0.9rem; color: var(--muted); margin-top: 0.9rem; }

/* Produktkarten */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr)); gap: 1rem; }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; display: grid; gap: 0.7rem; align-content: start; min-width: 0; }
.card .tag { font: 600 0.75rem/1 var(--body); letter-spacing: 0.1em; text-transform: uppercase; color: var(--petrol); }
.card p { color: var(--muted); }
.card a.more { font-weight: 600; margin-top: 0.3rem; }
.card .soon { font-size: 0.9rem; color: var(--muted); font-style: italic; }

/* Vorteile */
.points { display: grid; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); gap: 1.5rem 2rem; }
.point { display: grid; gap: 0.4rem; padding-top: 1rem; border-top: 2px solid var(--petrol); min-width: 0; }
.point p { color: var(--muted); }

/* FAQ */
.faq { display: grid; gap: 0.6rem; max-width: 46rem; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); }
.faq summary { cursor: pointer; padding: 1rem 1.2rem; font-weight: 600; list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font: 700 1.3rem/1 var(--display); color: var(--petrol); }
.faq details[open] summary::after { content: "–"; }
.faq .answer { padding: 0 1.2rem 1.1rem; color: var(--muted); display: grid; gap: 0.6rem; }

/* Artikel (Produktseiten) */
.breadcrumb { font-size: 0.9rem; color: var(--muted); padding-block: 1rem 0; }
.breadcrumb a { color: var(--muted); }
.article-head { padding-block: 2rem 3rem; display: grid; gap: 1rem; border-bottom: 1px solid var(--line); }
.meta { font-size: 0.9rem; color: var(--muted); }
.summary-box { background: var(--tint); border-radius: var(--radius); padding: 1.3rem 1.5rem; display: grid; gap: 0.5rem; max-width: 46rem; }
.summary-box ul { margin: 0; padding-left: 1.2rem; display: grid; gap: 0.3rem; }
.content { display: grid; gap: 1.1rem; max-width: 42rem; }
.content h2 { margin-top: 1.4rem; }
.content ul { margin: 0; padding-left: 1.2rem; display: grid; gap: 0.4rem; }
.checklist { list-style: none; padding: 0 !important; }
.checklist li { padding-left: 1.8rem; position: relative; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 0.4rem; width: 0.95rem; height: 0.95rem; border: 2px solid var(--petrol); border-radius: 3px; }
.callout { border-left: 3px solid var(--signal); padding: 0.2rem 0 0.2rem 1rem; color: var(--ink); }

/* Kontakt */
.contact { background: var(--petrol-deep); color: var(--surface); border-radius: var(--radius); padding: clamp(1.6rem, 4vw, 3rem); display: grid; gap: 1rem; }
.contact h2 { color: var(--surface); }
.contact p { max-width: 38rem; opacity: 0.92; }
.contact .btn { border-color: var(--surface); color: var(--petrol-deep); background: var(--surface); justify-self: start; }
.contact a { color: var(--surface); }

/* Footer */
.site-footer { border-top: 1px solid var(--line); background: var(--surface); font-size: 0.92rem; color: var(--muted); }
.site-footer .wrap { padding-block: 2.2rem; display: grid; gap: 1.2rem; grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr)); }
.site-footer strong { color: var(--ink); }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.3rem; }
.site-footer a { color: var(--muted); }

/* Gefahren-Symbole in der Schadentabelle */
.risk { display: flex; align-items: flex-start; gap: 0.6rem; }
.risk-ic { flex: none; width: 1.6rem; height: 1.6rem; padding: 0.2rem; border-radius: 5px; background: var(--tint); fill: none; stroke: var(--petrol-deep); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

/* Grafiken */
.figure { margin: 1.2rem 0 0.4rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.1rem 1.2rem 1.2rem; display: grid; gap: 0.8rem; min-width: 0; }
.fig-title { font: 600 1rem/1.3 var(--body); color: var(--ink); }
.fig-scroll { overflow-x: auto; }
.fig-caption { font-size: 0.92rem; color: var(--muted); }
.figure svg { display: block; width: 100%; height: auto; min-width: 20rem; }
.house .h-ground { stroke: var(--line); stroke-width: 2; }
.house .h-bld { fill: var(--tint); stroke: var(--petrol-deep); stroke-width: 2.5; stroke-linejoin: round; }
.house .h-glass { fill: var(--surface); }
.house .h-floor, .house .h-wall { stroke: var(--petrol-deep); stroke-width: 2.5; fill: none; }
.house .h-inv { fill: none; stroke: var(--signal); stroke-width: 2.5; stroke-linejoin: round; stroke-linecap: round; }
.house .m-bld circle { fill: var(--petrol-deep); }
.house .m-inv circle { fill: var(--signal); }
.house g text { fill: var(--surface); font: 700 21px var(--body); }
.legend-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr)); gap: 0.8rem 1.5rem; }
.lg-head { font-weight: 600; display: flex; align-items: center; gap: 0.5rem; }
.sw { width: 1rem; height: 1rem; border-radius: 3px; flex: none; }
.sw-bld { background: var(--tint); border: 2.5px solid var(--petrol-deep); }
.sw-inv { border: 2.5px solid var(--signal); }
.lg-list { margin: 0.3rem 0 0; padding-left: 1.4rem; color: var(--muted); display: grid; gap: 0.15rem; }
.chart .c-grid { stroke: var(--line); stroke-width: 1; }
.chart .c-tick { fill: var(--muted); font: 400 19px var(--body); font-variant-numeric: tabular-nums; }
.chart .c-area { fill: var(--petrol); opacity: 0.12; }
.chart .c-line { fill: none; stroke: var(--petrol-deep); stroke-width: 2; stroke-linejoin: round; stroke-linecap: round; }
.chart .c-dot { fill: var(--petrol-deep); }
.chart .c-end { fill: var(--petrol-deep); stroke: var(--surface); stroke-width: 2; }
.chart .c-label { fill: var(--muted); font: 600 20px var(--body); font-variant-numeric: tabular-nums; }
.chart .c-strong { fill: var(--ink); font-size: 23px; }
.chart .c-note { fill: var(--muted); font: 400 19px var(--body); }
.chart .c-hit { fill: transparent; }
.chart .c-hit:hover, .chart .c-hit:focus { fill: var(--petrol); opacity: 0.1; outline: none; }
.fig-data summary { cursor: pointer; font-size: 0.9rem; color: var(--petrol-deep); font-weight: 600; }
.mini { margin-top: 0.6rem; border-collapse: collapse; font-size: 0.9rem; font-variant-numeric: tabular-nums; }
.mini th, .mini td { padding: 0.25rem 1.2rem 0.25rem 0; text-align: left; border-bottom: 1px solid var(--line); }
.chart .c-proj { stroke-dasharray: 5 5; }
.chart .c-open { fill: var(--surface); stroke: var(--petrol-deep); stroke-width: 2; }

/* Team */
.team { display: grid; grid-template-columns: repeat(auto-fit, minmax(13rem, 1fr)); gap: 1.2rem; margin-top: 2rem; }
.person { display: grid; gap: 0.35rem; align-content: start; min-width: 0; }
.person .photo { aspect-ratio: 4 / 5; max-width: 100%; border-radius: var(--radius); background: var(--tint); display: grid; place-items: center; margin-bottom: 0.5rem; overflow: hidden; }
.person .photo img { width: 100%; height: 100%; object-fit: cover; }
.person .photo span { font: 700 2.4rem/1 var(--display); color: var(--petrol); }
.person h3 { font-size: 1.2rem; }
.person .role { font-size: 0.9rem; color: var(--petrol-deep); font-weight: 600; }
.person .exp { color: var(--muted); font-size: 0.95rem; }
.person .role + .exp { margin-top: -0.25rem; }
.person .photo-empty { place-items: end center; }
.person .silhouette { width: 70%; fill: var(--petrol); opacity: 0.28; }

/* Rechtsseiten */
.legal .content h2 { font-size: 1.3rem; }
.legal .section { display: grid; gap: 2rem; }
.person .photo img { display: block; }

/* Schaden-Check (kompakte Matrix mit Aufklappen) */
.vh { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.check { --cols: minmax(0, 1fr) repeat(4, 5.2rem); border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); overflow: hidden; }
.check-head, .check-row > summary { display: grid; grid-template-columns: var(--cols); align-items: center; gap: 0.5rem; padding: 0.7rem 1rem; }
.check-head { background: var(--tint); font: 600 0.75rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); hyphens: manual; }
.check-head span:not(:first-child) { text-align: center; }
.check-row { border-top: 1px solid var(--line); }
.check-row > summary { cursor: pointer; list-style: none; font-weight: 600; }
.check-row > summary::-webkit-details-marker { display: none; }
.check-row > summary:hover { background: var(--paper); }
.check-row > summary .risk span::after { content: " +"; color: var(--petrol); font-weight: 700; }
.check-row[open] > summary .risk span::after { content: " –"; }
.check-row > summary > .sym { justify-self: center; }
.check-detail { list-style: none; margin: 0; padding: 0.2rem 1rem 1rem 3.2rem; display: grid; gap: 0.45rem; color: var(--muted); font-size: 0.95rem; }
.check-detail li { display: flex; gap: 0.6rem; align-items: flex-start; }
.check-detail b { color: var(--ink); font-weight: 600; }
.sym { flex: none; display: inline-grid; place-items: center; width: 1.6rem; height: 1.6rem; border-radius: 50%; }
.sym svg { width: 1rem; height: 1rem; fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.sym-y { background: var(--petrol-deep); } .sym-y svg { stroke: var(--surface); }
.sym-z { border: 2px solid var(--signal); } .sym-z svg { stroke: var(--signal); }
.sym-n { background: var(--tint); } .sym-n svg { stroke: var(--muted); }
.check-legend { display: flex; flex-wrap: wrap; gap: 0.4rem 1.2rem; align-items: center; font-size: 0.9rem; color: var(--muted); margin-bottom: 0.8rem; }
.check-legend > span { display: inline-flex; align-items: center; gap: 0.4rem; }
.check-legend .sym { width: 1.25rem; height: 1.25rem; } .check-legend .sym svg { width: 0.8rem; height: 0.8rem; }
.check-hint { margin-left: auto; font-style: italic; }
@media (max-width: 40rem) {
  .check { --cols: minmax(0, 1fr) repeat(4, 2.6rem); }
  .check-head, .check-row > summary { padding: 0.65rem 0.7rem; gap: 0.3rem; }
  .check-head { font-size: 0.62rem; letter-spacing: 0.02em; }
  .check-row > summary { font-size: 0.92rem; }
  .check-row .risk-ic { display: none; }
  .check-detail { padding-left: 0.7rem; }
  .check-hint { margin-left: 0; }
}

/* Hinweisband Kapitalanleger */
.band { margin-top: 1rem; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 0.6rem 1.5rem; padding: 1.1rem 1.5rem; border-radius: var(--radius); background: var(--tint); color: var(--ink); text-decoration: none; }
.band:hover { background: var(--line); }
.band strong { color: var(--petrol-deep); }
.band-go { font-weight: 600; color: var(--petrol-deep); white-space: nowrap; }
.band-go::after { content: " →"; }

/* Info-Kästchen (Praxistipp) */
.tip { display: grid; grid-template-columns: auto 1fr; gap: 0.3rem 0.9rem; background: var(--tint); border-left: 4px solid var(--petrol); border-radius: 0 var(--radius) var(--radius) 0; padding: 1rem 1.2rem; margin: 0.4rem 0; }
.tip-ic { grid-row: span 2; width: 1.6rem; height: 1.6rem; fill: none; stroke: var(--petrol-deep); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; margin-top: 0.1rem; }
.tip-label { font: 700 0.8rem/1.3 var(--body); text-transform: uppercase; letter-spacing: 0.08em; color: var(--petrol-deep); }
.tip p { color: var(--ink); }

/* Tabellen in Ratgebertexten */
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
.plain { width: 100%; min-width: 34rem; border-collapse: collapse; font-size: 0.95rem; }
.plain th, .plain td { padding: 0.7rem 0.9rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.plain thead th { font: 600 0.78rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); background: var(--tint); }
.plain tbody tr:last-child td, .plain tbody tr:last-child th { border-bottom: 0; }
.plain tbody th { font-weight: 600; }
.sources { font-size: 0.9rem; color: var(--muted); }
.sources ul { padding-left: 1.2rem; display: grid; gap: 0.3rem; margin: 0.4rem 0 0; }
.check-none { padding-left: 2.2rem; font-size: 0.88rem; }
@media (max-width: 40rem) {
  .site-header .wrap { gap: 0.3rem; padding-block: 0.6rem 0.2rem; }
  .nav { flex-wrap: nowrap; overflow-x: auto; width: 100%; gap: 1.1rem; font-size: 0.92rem; scrollbar-width: none; -webkit-overflow-scrolling: touch; mask-image: linear-gradient(90deg, #000 88%, transparent); }
  .nav::-webkit-scrollbar { display: none; }
  .nav a { white-space: nowrap; }
}
.sym-c { border: 2px solid var(--petrol-deep); } .sym-c svg { stroke: var(--petrol-deep); }
.point { align-content: start; }
.cards { grid-template-columns: 1fr; }
@media (min-width: 48rem) { .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.card h3 { hyphens: auto; overflow-wrap: break-word; }

/* ===== Ratgeberseiten, Ausbau 30.09.2026 ===== */
h1, h2, h3 { hyphens: manual; overflow-wrap: break-word; }
.article-head { gap: 1.2rem; }
.article-head .summary-box { align-self: start; max-width: none; }
@media (min-width: 60rem) {
  .article-head.split { grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr); column-gap: 3rem; align-items: start; }
  .article-head.split > .head-text { display: grid; gap: 1rem; }
}
.head-text { display: grid; gap: 1rem; }
.summary-box strong.sb-title { font: 600 0.8rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.1em; color: var(--petrol-deep); }

/* Themen-Kacheln (Einstieg über Anlässe) */
.topics { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 13.5rem), 1fr)); gap: 0.75rem; margin: 2rem 0 0; padding: 0; list-style: none; }
.topics a { display: grid; grid-template-columns: auto 1fr; gap: 0.2rem 0.75rem; align-items: start; height: 100%; min-height: 44px; padding: 0.95rem 1rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); transition: border-color .15s, transform .15s; }
.topics a:hover { border-color: var(--petrol); transform: translateY(-2px); }
@media (prefers-reduced-motion: reduce) { .topics a, .topics a:hover { transition: none; transform: none; } }
.topics svg { grid-row: span 2; width: 1.9rem; height: 1.9rem; padding: 0.3rem; border-radius: 6px; background: var(--tint); fill: none; stroke: var(--petrol-deep); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.topics b { font-weight: 600; line-height: 1.3; }
.topics small { color: var(--muted); font-size: 0.88rem; line-height: 1.35; }
.topics-label { font-weight: 600; margin-top: 2.2rem; color: var(--muted); font-size: 0.95rem; }
.topics-label + .topics { margin-top: 0.7rem; }

/* Zweispaltiger Artikel mit mitlaufender Inhaltsnavigation */
.article-layout { display: grid; gap: 2.5rem; padding-block: clamp(2.5rem, 6vw, 4rem); }
.article-layout .content { max-width: 47rem; }
.article-layout .faq, .article-layout .figure, .article-layout .table-scroll { max-width: 47rem; }
.toc { display: none; }
@media (min-width: 64rem) {
  .article-layout { grid-template-columns: minmax(0, 1fr) 15.5rem; column-gap: 3.5rem; }
  .toc { display: block; position: sticky; top: 6.5rem; align-self: start; font-size: 0.93rem; }
}
.toc p { font: 600 0.78rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); margin-bottom: 0.7rem; }
.toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.1rem; border-left: 2px solid var(--line); }
.toc a { display: block; padding: 0.35rem 0 0.35rem 0.9rem; margin-left: -2px; border-left: 2px solid transparent; color: var(--muted); text-decoration: none; line-height: 1.35; }
.toc a:hover { color: var(--ink); }
.toc a.is-active { color: var(--petrol-deep); border-left-color: var(--petrol); font-weight: 600; }
.toc .toc-cta { margin-top: 1.4rem; display: grid; gap: 0.6rem; padding: 1rem; background: var(--tint); border-radius: var(--radius); }
.toc .toc-cta span { color: var(--ink); line-height: 1.4; }
.toc .toc-cta .btn { padding: 0.7rem 1rem; font-size: 0.92rem; text-align: center; }
.content h2 { scroll-margin-top: 6rem; }
.content h2 + p, .content h2 + ul, .content h2 + .figure { margin-top: -0.2rem; }

/* Illustrationen (gleiche Bildsprache wie Haus-Querschnitt) */
.house .h-dash { stroke: var(--petrol-deep); stroke-width: 2; stroke-dasharray: 7 6; fill: none; }
.house .h-soft { fill: var(--paper); stroke: var(--line); stroke-width: 2; }
.house .h-fill { fill: var(--petrol); opacity: 0.18; }
.house .h-thin { stroke: var(--petrol-deep); stroke-width: 1.8; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.house .h-hint { stroke: var(--signal); stroke-width: 2.5; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.house .h-hintfill { fill: var(--signal); opacity: 0.18; }
.house .h-lbl { fill: var(--muted); font: 600 16px var(--body); }
.figure a.lg-link { color: inherit; }

/* Vergleichstabelle mit Symbolen */
.plain td .sym { width: 1.4rem; height: 1.4rem; vertical-align: middle; margin-right: 0.35rem; }
.plain td .sym svg { width: 0.85rem; height: 0.85rem; }

/* Rechner Versicherungssumme */
.calc { display: grid; gap: 1rem; }
.calc-row { display: flex; flex-wrap: wrap; align-items: center; gap: 0.6rem 1rem; }
.calc label { font-weight: 600; }
.calc input[type="number"] { font: 600 1.1rem var(--body); width: 7.5rem; min-height: 44px; padding: 0.4rem 0.7rem; border: 1.5px solid var(--line); border-radius: var(--radius); background: var(--paper); color: var(--ink); }
.calc input[type="range"] { flex: 1 1 12rem; accent-color: var(--petrol-deep); min-height: 44px; }
.calc-out { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 11rem), 1fr)); gap: 0.7rem; }
.calc-out div { background: var(--tint); border-radius: var(--radius); padding: 0.8rem 1rem; display: grid; gap: 0.15rem; }
.calc-out span { font-size: 0.88rem; color: var(--muted); }
.calc-out b { font: 700 1.45rem/1.2 var(--display); color: var(--petrol-deep); font-variant-numeric: tabular-nums; }
.bar { display: flex; height: 2.2rem; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); background: var(--surface); }
.bar i { display: block; height: 100%; }
.bar .b-all { background: var(--petrol); opacity: 0.22; flex: 1; }
.bar-legend { display: flex; flex-wrap: wrap; gap: 0.3rem 1.2rem; font-size: 0.88rem; color: var(--muted); }
.bar-legend span { display: inline-flex; align-items: center; gap: 0.4rem; }
.bar-legend i { width: 0.9rem; height: 0.9rem; border-radius: 3px; display: inline-block; }
.house .h-way { stroke-dasharray: 3 8; }
.article-main { min-width: 0; }
.article-main .faq { margin-top: 1.1rem; }
.article-main .content { gap: 1.1rem; }
.content > *, .figure > * { min-width: 0; }
.toc .toc-cta a.btn { color: var(--surface); background: var(--petrol-deep); border: 2px solid var(--petrol-deep); margin-left: 0; padding: 0.7rem 1rem; font-weight: 600; }
.toc .toc-cta a.btn:hover { background: var(--petrol); border-color: var(--petrol); color: var(--surface); }
.lg-cont { visibility: hidden; }
@media (max-width: 40rem) { .lg-cont { display: none; } }

/* Checkliste zum Abhaken */
.cl-hint { color: var(--muted); font-size: 0.95rem; }
.checklist.interactive { gap: 0.35rem; }
.checklist.interactive li { padding-left: 0; display: flex; align-items: flex-start; gap: 0.75rem; min-height: 44px; padding-block: 0.35rem; border-bottom: 1px solid var(--line); }
.checklist.interactive li:last-child { border-bottom: 0; }
.checklist.interactive li::before { content: none; }
.checklist.interactive input { flex: none; width: 1.35rem; height: 1.35rem; margin: 0.15rem 0 0; accent-color: var(--petrol-deep); cursor: pointer; }
.checklist.interactive label { cursor: pointer; }
.checklist.interactive input:checked + label { color: var(--muted); }
.check-count { font-size: 0.9rem; font-weight: 600; color: var(--petrol-deep); font-variant-numeric: tabular-nums; }
.check-done { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 0.4rem 1rem; align-items: start; background: var(--tint); border: 2px solid var(--petrol); border-radius: var(--radius); padding: 1.1rem 1.2rem; }
.check-done[hidden] { display: none; }
.check-done > div { display: grid; gap: 0.5rem; min-width: 0; }
.check-done .btn { justify-self: start; padding: 0.75rem 1.1rem; }
.check-done-ic { display: grid; place-items: center; width: 2.4rem; height: 2.4rem; border-radius: 50%; background: var(--petrol-deep); }
.check-done-ic svg { width: 1.4rem; height: 1.4rem; fill: none; stroke: var(--surface); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
@media (prefers-reduced-motion: no-preference) { .check-done:not([hidden]) { animation: checkin .35s ease-out; } }
@keyframes checkin { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

/* Autorenkasten und aufklappbare Quellen */
.author { display: grid; grid-template-columns: 4.5rem minmax(0, 1fr); gap: 1rem; align-items: start; max-width: 47rem; margin-top: 2.2rem; padding: 1.1rem 1.2rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); }
.author img { width: 4.5rem; height: 4.5rem; border-radius: 50%; object-fit: cover; object-position: 50% 20%; display: block; }
.author > div { display: grid; gap: 0.3rem; min-width: 0; }
.author-label { font: 600 0.75rem/1.2 var(--body); text-transform: uppercase; letter-spacing: 0.1em; color: var(--petrol); }
.author p:not(.author-label) { color: var(--muted); font-size: 0.97rem; }
.author strong { color: var(--ink); }
.disclaimer { max-width: 47rem; margin-top: 1.2rem; font-size: 0.9rem; color: var(--muted); }
.sources-box { max-width: 47rem; margin-top: 0.8rem; border-top: 1px solid var(--line); padding-top: 0.6rem; font-size: 0.9rem; color: var(--muted); }
.sources-box summary { cursor: pointer; font-weight: 600; color: var(--petrol-deep); min-height: 44px; display: flex; align-items: center; gap: 0.5rem; list-style: none; }
.sources-box summary::-webkit-details-marker { display: none; }
.sources-box summary::before { content: "+"; font: 700 1.1rem/1 var(--display); color: var(--petrol); width: 1rem; }
.sources-box[open] summary::before { content: "–"; }
.sources-box ul { margin: 0.2rem 0 0; padding-left: 1.2rem; display: grid; gap: 0.3rem; }

/* Hero-Bild Startseite (Variante A, 01.10.2026) */
/* Hero mit Bild rechts */
.hero-art { display: none; }
@media (min-width: 64rem) {
  .hero .wrap.has-art { grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.95fr); align-items: center; column-gap: 3rem; }
  .hero-art { display: block; }
}
.hero-art svg { display: block; width: 100%; height: auto; max-width: 30rem; margin-inline: auto; overflow: visible; }
.ha-line { fill: none; stroke: var(--petrol-deep); stroke-width: 3; stroke-linejoin: round; stroke-linecap: round; }
.ha-thin { fill: none; stroke: var(--petrol-deep); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.ha-fill { fill: var(--tint); }
.ha-paper { fill: var(--paper); }
.ha-glass { fill: var(--surface); }
.ha-inv { fill: none; stroke: var(--signal); stroke-width: 3; stroke-linejoin: round; stroke-linecap: round; }
.ha-dash { fill: none; stroke: var(--petrol); stroke-width: 2; stroke-dasharray: 7 6; }
.ha-dim { fill: none; stroke: var(--muted); stroke-width: 1.2; }
.ha-txt { fill: var(--muted); font: 600 15px var(--body); }
.ha-tag rect { fill: var(--surface); stroke: var(--line); stroke-width: 1.5; }
.ha-tag text { fill: var(--ink); font: 600 15px var(--body); }
.ha-tag circle { fill: var(--petrol-deep); }
.ha-tag.inv circle { fill: var(--signal); }
.ha-shield { fill: var(--surface); stroke: var(--petrol); stroke-width: 4; }
.ha-shield-soft { fill: var(--petrol); opacity: 0.1; }
.ha-head { fill: var(--ink); font: 700 17px var(--display); }
.ha-small { fill: var(--muted); font: 400 13px var(--body); }

.ha-umb { fill: var(--surface); }
.ha-rain { fill: none; stroke: var(--petrol); stroke-width: 2; stroke-linecap: round; opacity: .7; }

.ha-tag-l text { font-size: 17px; }
@media (min-width: 64rem) { .hero-art svg.big, .hero-art svg { max-width: 34rem; } }