/* Kartenlegen am Telefon — statisches, lokal eingebundenes Stylesheet. */
:root{color-scheme:light;--ink:#132935;--muted:#4c6069;--navy:#112734;--paper:#fff;--mist:#f1f5f5;--gold:#e7c27f;--line:#cdd8da;--green:#25564f;--serif:Georgia,'Times New Roman',serif;--sans:system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;--width:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:1.5rem}body{margin:0;color:var(--ink);background:var(--paper);font:400 17px/1.7 var(--sans);-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:inherit;text-underline-offset:.22em;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}button,input,summary{font:inherit}a,button,summary,input{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #12767a;outline-offset:5px}.dark a:focus-visible,.hero a:focus-visible,.site-footer a:focus-visible{outline-color:var(--gold)}.wrap{width:min(var(--width),calc(100% - 64px));margin-inline:auto}.skip-link{position:absolute;left:1rem;top:-100px;z-index:10;background:white;padding:.75rem 1rem}.skip-link:focus{top:1rem}.eyebrow{margin:0 0 1.2rem;font-size:14px;font-weight:650;letter-spacing:.13em;text-transform:uppercase}.site-header{background:white;border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:100px;padding-block:18px}.brand{text-decoration:none;display:flex;align-items:center;gap:13px;flex-shrink:0}.brand-mark{font:28px/1 var(--serif);color:#7b5a28;border:1px solid #bda373;width:44px;height:48px;display:grid;place-items:center;border-radius:3px}.brand-name{font:22px/1.08 var(--serif);letter-spacing:-.025em}.brand-name small{display:block;margin-top:6px;font:14px/1.2 var(--sans);color:var(--muted);letter-spacing:.015em}.header-nav{display:flex;align-items:center;gap:25px;flex-wrap:wrap}.header-nav a{font-size:15px;text-decoration:none;min-height:44px;display:inline-flex;align-items:center}.header-nav a:not(.button):hover,.header-nav a[aria-current=page]{text-decoration:underline}.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;min-height:52px;padding:13px 22px;border:1px solid transparent;border-radius:4px;background:var(--gold);color:var(--ink);text-decoration:none;font-size:16px;font-weight:650;line-height:1.4;transition:background .15s,transform .15s;text-align:center}.button:hover{background:#f2d59e;text-decoration:none;transform:translateY(-1px)}.button-small{min-height:44px;padding:10px 15px}.button-ink{background:var(--ink);color:white}.button-ink:hover{background:#254655}.text-link{display:inline-flex;align-items:center;gap:10px;min-height:44px;font-weight:600;font-size:16px}.hero{background:var(--navy);color:white}.hero-grid{display:grid;grid-template-columns:1.04fr 1fr;gap:60px;padding-block:62px 65px;align-items:center}.hero .eyebrow{color:var(--gold)}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-weight:400}h1{font:clamp(40px,4.65vw,65px)/1.06 var(--serif);letter-spacing:-.045em;margin-bottom:25px}.hero h1 .intro{display:block;font:inherit;font-size:.52em;line-height:1.3;letter-spacing:-.015em;margin-bottom:19px;color:#d9e5e7}.hero h1 em{font-style:normal;color:var(--gold)}.hero-lead{color:#d5e0e3;font-size:18px;line-height:1.7;max-width:43ch;margin-bottom:27px}.hero .actions{display:flex;gap:8px 23px;align-items:center;flex-wrap:wrap}.hero-note{font-size:14px;color:#c9d6da;margin:15px 0 0;max-width:54ch}.hero-note a{color:white}.hero-figure{margin:0;min-width:0}.hero-figure img{width:100%;aspect-ratio:1.06;object-fit:cover;border-radius:3px}.hero-figure figcaption{font-size:14px;color:#c7d5d9;padding-top:14px;display:flex;justify-content:space-between;gap:15px}.hero-figure figcaption span:last-child{font-variant-numeric:tabular-nums;color:var(--gold)}.disclosure{font-size:14px;color:var(--muted);background:var(--mist);border-bottom:1px solid var(--line)}.disclosure p{padding-block:15px;margin-bottom:0}.section{padding-block:82px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:32px;margin-bottom:34px}.section-heading h2{max-width:22ch;margin-bottom:0}.section-heading>p{max-width:40ch;color:var(--muted);margin-bottom:0}h2{font:clamp(29px,3.2vw,43px)/1.16 var(--serif);letter-spacing:-.03em;margin-bottom:23px}h3{font:26px/1.25 var(--serif);letter-spacing:-.015em;margin-bottom:15px}.section .eyebrow,.article-main .eyebrow{color:var(--green)}.intro-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px}.intro-grid p{color:var(--muted);margin-bottom:18px}.chapter-nav{border-top:1px solid var(--line);margin-top:30px}.chapter-nav a{display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:60px;padding:13px 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:16px}.chapter-nav a:hover{color:var(--green);text-decoration:underline}.chapter-nav a span{font-size:14px;color:var(--muted);margin-right:18px}.step-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;list-style:none;padding:0;margin:40px 0 0;border-top:1px solid var(--line)}.step-list li{padding:32px 28px 0 0}.step-list li+li{border-left:1px solid var(--line);padding-left:32px}.step-number{font:38px/1 var(--serif);color:#537578;margin-bottom:25px;display:block}.step-list p{color:var(--muted);margin-bottom:15px}.mist{background:var(--mist)}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}.note-card{border-left:3px solid var(--gold);padding:24px 27px;background:#fff;margin:25px 0}.note-card p:last-child{margin-bottom:0}.note-card h3{font-size:24px}.checklist{list-style:none;margin:0;padding:0}.checklist li{padding:17px 0 17px 32px;border-bottom:1px solid var(--line);position:relative}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--green);font-size:19px;font-weight:700}.checklist strong{display:block;font-weight:650}.checklist p{color:var(--muted);margin:5px 0 0;font-size:16px}.guide-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 50px;border-top:1px solid var(--line)}.guide-link{padding:29px 0 27px;display:grid;grid-template-columns:35px 1fr 26px;gap:14px;border-bottom:1px solid var(--line);text-decoration:none}.guide-link:hover h3{text-decoration:underline;text-underline-offset:.16em}.guide-link .num{font:19px var(--serif);color:#537578;padding-top:6px}.guide-link h3{margin-bottom:10px}.guide-link p{margin:0;color:var(--muted);font-size:16px}.guide-link .arrow{padding-top:3px;font-size:24px}.faq-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:90px}.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{position:relative;cursor:pointer;padding:22px 30px 22px 0;font-weight:600;line-height:1.5;list-style:none}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:2px;top:18px;font-size:25px;font-weight:400}details[open] summary:after{content:'−'}details>p{color:var(--muted);margin-bottom:22px;padding-right:15px;font-size:16px}.closing{background:var(--navy);color:white;padding:60px}.closing h2{max-width:21ch}.closing-grid{display:grid;grid-template-columns:1fr .9fr;gap:60px;align-items:center}.closing .eyebrow{color:var(--gold)}.closing p{color:#d5e0e3}.closing .fine{font-size:14px;margin:16px 0 0}.closing .fine a{color:white}.site-footer{background:var(--navy);color:#d5e0e3;padding-block:44px 26px}.footer-top{display:flex;align-items:start;justify-content:space-between;gap:30px}.footer-brand{font:24px/1.2 var(--serif);color:white;margin-bottom:10px}.footer-top p:not(.footer-brand){font-size:14px;max-width:60ch}.footer-links{display:flex;gap:12px 24px;flex-wrap:wrap}.footer-links a{display:inline-flex;align-items:center;min-height:44px;font-size:15px}.footer-bottom{border-top:1px solid #405761;padding-top:22px;margin-top:25px;font-size:14px;display:flex;justify-content:space-between;gap:24px}.footer-bottom p{margin:0;max-width:75ch}.breadcrumb{padding-block:28px 0;font-size:14px;color:var(--muted);display:flex;flex-wrap:wrap;gap:8px 13px}.breadcrumb span{color:var(--ink)}.article-header{padding-block:38px 45px;border-bottom:1px solid var(--line)}.article-header h1{font-size:clamp(38px,4.5vw,61px);max-width:21ch;margin-bottom:23px}.article-header .lead{font-size:20px;color:var(--muted);max-width:63ch;margin-bottom:18px}.byline{font-size:14px;color:var(--muted);margin-bottom:0}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 270px;gap:70px;padding-block:55px 70px;align-items:start}.article-main{min-width:0}.article-main section+section{margin-top:45px}.article-main h2{font-size:33px}.article-main h3{font-size:25px;margin-top:28px}.article-main p{margin-bottom:20px}.article-main ul,.article-main ol{padding-left:24px;margin-block:20px}.article-main li{padding-left:5px;margin-bottom:12px}.article-aside{border-top:3px solid var(--gold);background:var(--mist);padding:25px}.article-aside h2{font:25px/1.2 var(--serif);margin-bottom:14px}.article-aside p{font-size:15px;color:var(--muted)}.article-aside .button{width:100%}.aside-links{margin-top:25px;padding-top:20px;border-top:1px solid var(--line)}.aside-links a{display:block;font-size:15px;padding:8px 0}.table-scroll{overflow-x:auto;margin:25px 0;border:1px solid var(--line)}table{width:100%;border-collapse:collapse;font-size:16px;min-width:440px}caption{text-align:left;font-weight:650;padding:14px 18px;background:var(--mist)}th,td{text-align:left;vertical-align:top;padding:15px 18px;border-bottom:1px solid var(--line)}th{font-weight:650;background:var(--mist)}tr:last-child td{border-bottom:0}.example{border-left:3px solid var(--green);background:var(--mist);padding:24px 27px;margin-block:25px}.example p:last-child{margin-bottom:0}.legal-banner{border:1px solid #c48445;background:#fff7ed;color:#633613;border-radius:3px;padding:20px 24px;margin-bottom:30px;font-size:16px}.legal-banner p:last-child{margin-bottom:0}.legal-open{border-left:3px solid #ad642c;background:#fff7ed;padding:17px 20px}.legal-content{max-width:840px;padding-block:48px 80px}.legal-content h2{font-size:28px;margin-top:34px;margin-bottom:16px}.legal-content ul{padding-left:22px}.legal-content address{font-style:normal}.legal-content a{overflow-wrap:anywhere}.legal-content p{margin-bottom:18px}.visually-hidden{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}.worksheet{border:1px solid var(--line);padding:28px;margin:27px 0}.worksheet label{display:flex;align-items:start;gap:12px;padding:10px 0;font-size:17px;cursor:pointer}.worksheet input{width:21px;height:21px;flex-shrink:0;margin-top:5px;accent-color:var(--green)}.worksheet .small{font-size:14px;color:var(--muted);margin-bottom:0}.endnote{border-top:1px solid var(--line);padding-top:25px;margin-top:42px;color:var(--muted);font-size:15px}.back-top{font-size:15px;display:inline-block;min-height:44px;padding-top:12px}
@media(min-width:1440px){.hero-grid{gap:85px}}
@media(max-width:1050px){.header-inner{gap:20px}.header-nav{gap:15px}.header-nav a{font-size:14px}.hero-grid{gap:35px}.intro-grid,.faq-grid{gap:45px}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 250px}.split{gap:40px}.closing{padding:42px}}
@media(max-width:820px){.wrap{width:calc(100% - 40px)}.header-inner{align-items:start;flex-direction:column;gap:15px;padding-block:20px}.header-nav{width:100%;justify-content:space-between;gap:8px 15px}.header-nav .button-small{padding:10px 13px}.hero-grid{padding-block:40px 38px;gap:35px;grid-template-columns:1fr}.hero h1{max-width:16ch;font-size:clamp(42px,7vw,58px)}.hero h1 .intro{max-width:none;font-size:.52em}.hero-lead{max-width:55ch}.hero-figure img{aspect-ratio:1.65;object-position:center}.hero-figure{max-width:100%}.section{padding-block:57px}.section-heading{display:block}.section-heading>p{margin-top:22px;max-width:60ch}.intro-grid,.split,.faq-grid,.closing-grid{grid-template-columns:1fr;gap:28px}.step-list{grid-template-columns:1fr;margin-top:27px}.step-list li{padding:26px 0;display:grid;grid-template-columns:45px 1fr;gap:20px}.step-list li+li{border-left:0;border-top:1px solid var(--line);padding:26px 0}.step-number{margin-bottom:0;font-size:30px}.step-list h3{font-size:25px}.guide-grid{gap:0 30px}.guide-link{grid-template-columns:25px 1fr 20px;gap:9px}.guide-link h3{font-size:24px}.article-layout{grid-template-columns:1fr;gap:35px;padding-block:35px 50px}.article-aside{max-width:none}.article-aside .button{width:auto}.article-header{padding-block:32px 35px}.closing{padding:32px}.closing-grid{gap:10px}.closing h2{max-width:26ch}.footer-top{display:block}.footer-links{margin-top:20px}.footer-bottom{display:block}.footer-bottom p+p{margin-top:14px}.article-main h2{font-size:30px}}
@media(max-width:480px){.wrap{width:calc(100% - 36px)}body{font-size:16px}.brand-name{font-size:21px}.header-nav{gap:5px 14px}.header-nav .button-small{width:100%;margin-top:6px;font-size:15px}.header-nav a:not(.button){min-height:40px;font-size:15px}.hero-grid{padding-top:35px}.hero h1{font-size:43px}.hero-lead{font-size:17px}.hero .actions{display:block}.hero .actions .button{width:100%;padding-inline:14px}.hero .text-link{margin-top:9px}.hero-figure img{aspect-ratio:1.35}.hero-figure figcaption{display:block}.hero-figure figcaption span:last-child{display:none}.guide-grid{grid-template-columns:1fr}.guide-link{grid-template-columns:30px 1fr 25px}.section{padding-block:47px}.closing{padding:27px 23px}.closing .button{width:100%;padding-inline:13px}.article-header .lead{font-size:18px}.article-aside .button{width:100%}.legal-banner{padding:18px}.worksheet{padding:19px}.footer-links{gap:5px 20px}.article-main h2{font-size:28px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}
.supplied-legal-text{overflow-wrap:anywhere;hyphens:auto}
@media print{body{font:12pt/1.5 Georgia,serif;color:#000;background:#fff}.wrap{width:100%}.site-header,.hero-figure,.site-footer,.article-aside,.closing,.button,.skip-link,.breadcrumb,.back-top{display:none!important}.hero,.mist{background:white!important;color:#000!important}.hero *, .hero .eyebrow{color:#000!important}.section,.article-header,.article-layout{padding-block:15px}.hero-grid,.intro-grid,.split,.faq-grid,.article-layout{display:block}.hero-grid{padding:0}.hero-note{max-width:none}.legal-content{max-width:none}h1{font-size:30pt}h2{font-size:22pt}a{color:#000}.worksheet{break-inside:avoid}.disclosure{background:white}.legal-banner{border:2px solid #000}}