:root{--navy:#172d3b;--deep:#10222e;--gold:#d6b46c;--cream:#faf7f0;--mist:#e6edf0;--sand:#efe5d4;--white:#fff;--ink:#20323c;--muted:#526573;--line:#cfd9dd;--header-height:98px;--radius:16px;font-family:'Segoe UI',Arial,sans-serif;color:var(--ink);background:var(--cream);font-synthesis:none}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-height) + 25px)}body{margin:0;font-size:17px;line-height:1.8}h1,h2,h3,p,figure{margin:0}h1,h2,h3{line-height:1.16;letter-spacing:-.04em;text-wrap:balance}h1{font-size:clamp(2.65rem,4.6vw,4.75rem);font-weight:750}h2{font-size:clamp(1.9rem,3.05vw,2.8rem);font-weight:720}h3{font-size:1.38rem;letter-spacing:-.025em}p+p{margin-top:20px}a{color:inherit;text-underline-offset:4px}a:hover{color:#806021}button,summary{font:inherit}button{cursor:pointer}img{display:block;max-width:100%;height:auto}ul,ol{padding-left:24px}li+li{margin-top:8px}:focus-visible{outline:3px solid #aa751e;outline-offset:5px}::selection{background:#ead29e;color:var(--deep)}[hidden]{display:none!important}.wrap{width:min(1200px,calc(100% - 80px));margin-inline:auto}.narrow{max-width:920px}.icon{width:24px;height:24px;flex:none}.section{padding:88px 0;border-bottom:1px solid var(--line)}.bg-white{background:var(--white)}.bg-cream{background:var(--cream)}.bg-mist{background:var(--mist)}.bg-sand{background:var(--sand)}.bg-navy{background:var(--navy);color:#fff;border-bottom-color:#415864}.eyebrow{display:flex;align-items:center;gap:12px;color:#785c23;font-size:.73rem;line-height:1.5;font-weight:750;letter-spacing:.12em;text-transform:uppercase;margin-bottom:19px}.eyebrow::before{content:'';width:27px;height:2px;background:var(--gold);flex:none}.lead{color:var(--muted);font-size:1.14rem;line-height:1.8}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:55px;margin-bottom:38px}.section-heading h2{max-width:750px}.section-heading>p{max-width:340px;color:var(--muted);font-size:.98rem}.section-intro{max-width:820px;margin:22px 0 32px;color:var(--muted)}.small{font-size:.86rem;color:var(--muted)}
.button{position:relative;isolation:isolate;display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:15px 22px;min-height:52px;border:1px solid transparent;border-radius:8px;font-size:.91rem;font-weight:650;line-height:1.4;text-decoration:none;transition:background-color .18s,color .18s;white-space:normal}.button>span{min-width:0}.button .icon{width:19px;height:19px;flex:none}.button-primary{background:var(--gold);color:var(--deep)}.button-primary:hover{background:#e4c68c;color:var(--deep)}.button-navy{background:var(--navy);color:white}.button-navy:hover{background:#2b4a59;color:white}.button-outline{background:#ffffff06;border-color:#ffffff70;color:white}.button-outline:hover{background:#ffffff18;color:white}.button-light{background:white;border-color:var(--line);color:var(--navy)}.button-row{display:flex;align-items:center;flex-wrap:wrap;gap:15px}.text-link{display:inline-flex;align-items:center;gap:12px;font-size:.91rem;line-height:1.5;font-weight:650;text-decoration:none}.text-link>span{min-width:0}.text-link .icon{width:19px;height:19px}.text-link:hover{text-decoration:underline}.skip-link{position:fixed;top:-100px;left:20px;z-index:100;background:var(--gold);padding:10px 20px}.skip-link:focus{top:10px}
.site-header{position:sticky;top:0;z-index:50;background:var(--cream);border-bottom:1px solid var(--line)}.header-inner{min-height:98px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:inline-flex;text-decoration:none;flex:none}.brand img{width:246px;height:auto}.site-nav{display:flex;align-items:center;gap:22px;font-size:.81rem;font-weight:650;line-height:1.5}.nav-link{padding:22px 0;text-decoration:none;white-space:nowrap}.nav-link[aria-current]{box-shadow:inset 0 -2px var(--gold)}.nav-dropdown{position:relative}.nav-dropdown summary{list-style:none;display:flex;align-items:center;gap:6px;cursor:pointer;padding:22px 0;white-space:nowrap}.nav-dropdown summary::-webkit-details-marker{display:none}.nav-dropdown summary .icon{width:14px;height:14px;transition:transform .2s}.nav-dropdown[open] summary .icon{transform:rotate(180deg)}.dropdown-panel{position:absolute;top:100%;left:-18px;z-index:55;min-width:275px;width:max-content;max-width:330px;max-height:calc(100dvh - var(--header-height) - 30px);overflow:auto;padding:12px;border-radius:12px;border:1px solid var(--line);background:#fff;box-shadow:0 18px 44px #172d3b20}.dropdown-panel a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:12px 14px;border-radius:6px;text-decoration:none;font-size:.83rem}.dropdown-panel a:hover,.dropdown-panel a[aria-current]{background:var(--mist);color:var(--deep)}.dropdown-panel a .icon{width:16px;height:16px}.dropdown-panel .dropdown-all{font-weight:750;border-bottom:1px solid var(--line);border-radius:0;margin-bottom:5px;padding-bottom:15px}.cta-header{font-size:.78rem;padding-inline:17px;min-height:48px;white-space:nowrap}.menu-toggle{display:none;align-items:center;justify-content:center;width:46px;height:46px;border:1px solid var(--line);border-radius:8px;background:transparent;color:var(--navy)}
.home-hero{position:relative;min-height:635px;overflow:hidden;background:var(--deep);color:white;border-bottom:1px solid #415864}.hero-background{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.home-hero::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#10222ef5 0%,#10222ee6 28%,#10222e88 57%,#10222e12 100%);pointer-events:none}.hero-copy{position:relative;z-index:1;max-width:700px;padding:93px 0 85px}.home-hero .eyebrow{color:#e5c587}.home-hero h1{font-size:clamp(3.2rem,5.7vw,5.25rem);line-height:1.09;letter-spacing:-.047em}.home-hero h1 span{display:block;color:#e2c484}.hero-subtitle{font-size:1.35rem;font-weight:600;color:#fff;margin-top:24px}.home-hero .lead{color:#e6edf0;font-size:1.09rem;max-width:610px;margin-top:13px}.hero-copy .button-row{margin-top:30px}.hero-points{display:flex;flex-wrap:wrap;gap:13px 27px;font-size:.78rem;color:#e2e8eb;margin-top:30px}.hero-points span{display:flex;align-items:center;gap:8px}.hero-points .icon{width:17px;height:17px;color:var(--gold)}.hero-ai{position:absolute;z-index:2;right:20px;bottom:20px}.intro-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:75px}.intro-grid .lead{font-size:1.05rem}.intro-grid h2{font-size:2.4rem}.intro-note{margin-top:24px;font-size:.9rem;padding-left:18px;border-left:3px solid var(--gold);color:var(--muted)}
.topic-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}.topic-card{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;display:flex;flex-direction:column;min-width:0}.topic-body{display:flex;flex-direction:column;flex:1;padding:29px}.topic-symbol{color:#806329;display:inline-flex;margin-bottom:20px}.topic-symbol .icon{width:29px;height:29px}.topic-card h3{font-size:1.55rem}.topic-card h3 a{text-decoration:none}.topic-card p{font-size:.94rem;color:var(--muted);margin-top:16px;margin-bottom:25px}.topic-card .text-link{margin-top:auto;justify-content:space-between}.topic-card .photo{border-radius:0;border:0}.topic-card .photo img{aspect-ratio:1.7;object-fit:cover}.topic-card.illustrated .topic-symbol{display:none}.photo{position:relative;overflow:hidden;border-radius:var(--radius);background:var(--mist);border:1px solid #172d3b14;margin:0}.photo img{width:100%;aspect-ratio:1.5;object-fit:cover}.ai-badge{position:absolute;bottom:12px;right:12px;width:23px;height:23px;display:flex;align-items:center;justify-content:center;border-radius:50%;background:#ffffffee;border:1px solid #172d3b33;color:#4c5c65;box-shadow:0 2px 5px #00000010}.ai-badge svg{display:block;flex:none;width:10.474px;height:8px;overflow:visible}.ai-badge text{letter-spacing:normal}.hero-ai .ai-badge{position:static}.comparison{width:100%;border-collapse:collapse;font-size:.96rem;line-height:1.65;text-align:left;margin-top:40px}.comparison caption{text-align:left;color:var(--muted);font-size:.86rem;padding:0 0 16px}.comparison th,.comparison td{padding:20px 22px;border-bottom:1px solid var(--line);vertical-align:top}.comparison th{font-size:.82rem;font-weight:700;background:var(--mist)}.comparison tbody th{background:transparent;font-size:.98rem;min-width:155px}.comparison tbody tr:nth-child(even){background:#ffffff8c}.comparison td .table-label{display:none}.table-note{font-size:.82rem;margin-top:18px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;counter-reset:step}.step{border-top:1px solid #a5b6bd;padding-top:24px}.step-number{display:block;font-size:2.8rem;line-height:1;font-weight:300;color:#8d733f;margin-bottom:27px;letter-spacing:-.06em}.step h3{font-size:1.3rem}.step p{font-size:.95rem;color:var(--muted);margin-top:17px}.step a{display:inline-flex;margin-top:17px}.split{display:grid;grid-template-columns:1fr 1fr;grid-template-areas:'title image' 'copy image';gap:0 65px;align-items:center}.split-title{grid-area:title;align-self:end}.split-copy{grid-area:copy;align-self:start;margin-top:26px}.split-image{grid-area:image}.split-copy p{color:var(--muted)}.split-copy ul{margin:24px 0}.split-copy .button-row{margin-top:28px}.checklist{list-style:none;padding:0}.checklist li{display:flex;gap:12px;align-items:flex-start}.checklist .icon{width:21px;height:21px;margin-top:5px;color:#917136}.situations{display:grid;grid-template-columns:1fr 1fr;gap:0 50px}.situation{display:grid;grid-template-columns:40px 1fr;gap:18px;border-top:1px solid var(--line);padding:29px 0}.situation>.icon{color:#957439;width:29px;height:29px}.situation h3{font-size:1.32rem}.situation p{font-size:.95rem;color:var(--muted);margin-top:12px}.situation .text-link{margin-top:18px}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.guide-grid .topic-card{background:var(--cream)}
.faq-layout{display:grid;grid-template-columns:.75fr 1.25fr;gap:75px}.faq-intro p{margin-top:23px;color:var(--muted)}.faq-item{border-bottom:1px solid #b9c6cd}.faq-item:first-child{border-top:1px solid #b9c6cd}.faq-item summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:24px 0;cursor:pointer;font-weight:650;line-height:1.55;font-size:1.01rem}.faq-item summary::-webkit-details-marker{display:none}.faq-plus{flex:none;width:21px;height:21px}.faq-vertical{transform-origin:center;transition:transform .25s}.faq-item[open] .faq-vertical{transform:rotate(90deg)}.faq-answer{color:var(--muted);font-size:.96rem}.faq-answer>div{padding:0 34px 25px 0}.faq-answer p+p{margin-top:14px}.cta-section{padding:55px 0}.cta-content{display:flex;justify-content:space-between;align-items:center;gap:55px}.cta-content>div{max-width:790px}.cta-content h2{font-size:2.1rem}.cta-content p:not(.eyebrow){margin-top:17px;color:#dbe4e8;font-size:1rem}.bg-navy .eyebrow{color:#e0bf7a}.cta-content>.button{flex:none;max-width:300px}
.page-hero{padding:30px 0 55px}.breadcrumbs{display:flex;flex-wrap:wrap;gap:12px;font-size:.77rem;color:var(--muted);margin-bottom:35px}.breadcrumbs a{text-decoration:none}.detail-hero{display:grid;grid-template-columns:1.07fr 1fr;grid-template-areas:'title image' 'lead image' 'action image' 'meta image';gap:0 66px;align-items:center}.detail-title{grid-area:title;align-self:end}.detail-title h1{font-size:clamp(2.5rem,3.65vw,3.6rem);hyphens:manual;overflow-wrap:break-word}.detail-image{grid-area:image;align-self:center}.detail-hero>.lead{grid-area:lead;margin-top:23px;font-size:1.04rem}.detail-actions{grid-area:action;margin-top:26px}.article-meta{grid-area:meta;color:var(--muted);font-size:.75rem;display:flex;flex-wrap:wrap;gap:8px;margin-top:24px;align-self:start}.article-meta a{text-decoration:none}.fact-band{padding:30px 0}.facts-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:0}.fact{padding-right:24px;border-right:1px solid #bccacf}.fact:last-child{border:0;padding-right:0}.fact dt{font-size:.75rem;color:var(--muted);margin-bottom:6px}.fact dd{margin:0;font-size:1.07rem;font-weight:650;line-height:1.45}.article-layout{display:grid;grid-template-columns:225px minmax(0,1fr);gap:62px;align-items:start}.toc{position:sticky;top:calc(var(--header-height) + 25px);border:1px solid var(--line);border-radius:12px;background:var(--cream);padding:24px;font-size:.82rem;line-height:1.6}.toc h2{font-size:.92rem;letter-spacing:0;margin-bottom:19px}.toc ol{list-style:none;padding:0;margin:0}.toc li+li{margin-top:14px}.toc a{text-decoration:none;display:flex;gap:8px}.toc .toc-action{display:flex;align-items:center;justify-content:space-between;border-top:1px solid var(--line);padding-top:19px;margin-top:22px;font-weight:650}.toc .toc-action .icon{width:17px;height:17px}.rich-copy{min-width:0}.rich-copy h2{font-size:2.05rem;line-height:1.25;margin-bottom:25px}.rich-copy h3{font-size:1.35rem;line-height:1.4;margin:30px 0 17px}.rich-copy p,.rich-copy li{font-size:1.01rem}.rich-copy p+p{margin-top:20px}.rich-copy ul,.rich-copy ol{margin-block:23px}.chapter+.chapter{margin-top:48px;padding-top:40px;border-top:1px solid var(--line)}.copy-note{background:var(--mist);border-left:3px solid #a98239;padding:25px 28px;border-radius:0 10px 10px 0;margin:27px 0;font-size:.97rem;line-height:1.8}.copy-note strong{display:block;margin-bottom:6px}.mini-table{width:100%;border-collapse:collapse;font-size:.92rem;margin:28px 0;line-height:1.65;text-align:left}.mini-table th,.mini-table td{padding:17px 18px;vertical-align:top;border-bottom:1px solid var(--line);overflow-wrap:normal}.mini-table th{background:var(--mist);font-weight:650}.mini-table tbody tr:nth-child(even){background:var(--cream)}.mini-table .table-label{display:none}.mini-table caption{text-align:left;font-weight:650;margin-bottom:13px}.source-section{padding:35px 0}.sources h2{font-size:1.02rem;letter-spacing:-.01em}.sources p{margin-top:11px;color:var(--muted);font-size:.8rem}.sources ul{display:flex;flex-wrap:wrap;gap:10px 25px;list-style:none;padding:0;font-size:.77rem;margin:18px 0 0}.sources li+li{margin:0}.plain-hero h1{font-size:3.9rem}.plain-hero .lead{margin-top:26px}.plain-hero .button-row{margin-top:28px}.legal-copy>div+div{padding-top:35px;margin-top:36px;border-top:1px solid var(--line)}.legal-copy h2{font-size:1.72rem;margin-bottom:22px}.legal-copy h3{margin:25px 0 17px;font-size:1.25rem}.legal-copy p,.legal-copy li{font-size:1rem}.legal-copy address{font-style:normal;margin:20px 0}.legal-address,.legal-line{display:flex;gap:13px;align-items:flex-start}.legal-address>.icon,.legal-line>.icon{margin-top:4px}.reading-path{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}.path-block{padding:28px;background:#ffffff9c;border:1px solid var(--line);border-radius:14px}.path-block h3{font-size:1.35rem}.path-block p{margin-top:17px;font-size:.96rem;color:var(--muted)}.path-block ul{font-size:.92rem;margin-bottom:0}.error-number{font-size:1rem;letter-spacing:.16em;font-weight:750;color:#88662b;margin-bottom:25px}
.site-footer{padding:64px 0 0;background:var(--cream)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:38px}.footer-brand .brand img{width:260px}.footer-brand p{font-size:.88rem;color:var(--muted);line-height:1.9;margin-top:23px}.footer-grid h2{font-size:.83rem;letter-spacing:0;line-height:1.5;margin-bottom:22px}.footer-grid ul{list-style:none;padding:0;margin:0;font-size:.81rem;line-height:1.8}.footer-grid li+li{margin-top:11px}.footer-grid li a{text-decoration:none}.footer-bottom{margin-top:47px;border-top:1px solid var(--line)}.footer-legal{display:flex;justify-content:space-between;align-items:center;gap:25px;font-size:.74rem;color:var(--muted);padding:22px 0}.footer-legal>div{display:flex;gap:24px}.footer-legal a{text-decoration:none}
[data-reveal].reveal-armed{opacity:0;transform:translateY(10px);transition:opacity .48s ease var(--delay,0ms),transform .48s ease var(--delay,0ms)}[data-reveal].reveal-armed.reveal-visible{opacity:1;transform:none}.motion-ready .cta-header::after{content:'';position:absolute;inset:0;border-radius:inherit;background:linear-gradient(110deg,transparent 15%,#ffffff00 36%,#ffffff50 50%,#ffffff00 64%,transparent 85%);background-size:250% 100%;background-position:130% 0;animation:header-shimmer 6s infinite;pointer-events:none;z-index:-1}@keyframes header-shimmer{0%,72%{background-position:130% 0}92%,100%{background-position:-130% 0}}
@property --ring-angle{syntax:'<angle>';initial-value:0deg;inherits:false}@supports (background:conic-gradient(from 0deg,white,transparent)) and (mask-composite:exclude){.motion-ready .cta-hero::before{content:'';position:absolute;inset:-1px;border-radius:inherit;padding:1.5px;background:conic-gradient(from var(--ring-angle),transparent 0deg 235deg,#e7c77c22 265deg,#f6d99c88 300deg,#fff7dd 340deg,#fff9e3 350deg,transparent 360deg);mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);mask-composite:exclude;pointer-events:none;animation:hero-randlicht 5s linear infinite;z-index:1}}@keyframes hero-randlicht{to{--ring-angle:360deg}}
@media(max-width:1280px){.header-inner{flex-wrap:wrap}.site-nav{width:100%;flex-wrap:wrap;gap:15px 24px;padding-bottom:20px}.nav-ready body{padding-top:var(--header-height)}.nav-ready .site-header{position:fixed;left:0;right:0;top:0}.nav-ready .header-inner{flex-wrap:nowrap}.nav-ready .menu-toggle{display:flex}.nav-ready .site-nav{position:absolute;left:0;right:0;top:100%;display:block;width:auto;max-height:calc(100dvh - var(--header-height));overflow-y:auto;background:var(--cream);border-bottom:1px solid var(--line);padding:14px 40px 26px;box-shadow:0 20px 24px #172d3b10}.nav-ready .site-nav>.nav-link{display:block;padding:15px 0;border-bottom:1px solid var(--line)}.nav-ready .nav-dropdown>summary{justify-content:space-between;padding:16px 0;border-bottom:1px solid var(--line)}.nav-ready .dropdown-panel{position:static;min-width:0;width:100%;max-width:none;max-height:none;border:0;border-radius:0;box-shadow:none;background:#ffffff91;padding:8px 12px}.nav-ready .cta-header{margin-top:20px}.menu-top,.menu-middle,.menu-bottom{transform-origin:center;transition:transform .22s ease,opacity .18s ease}.menu-toggle[aria-expanded=true] .menu-top{transform:translateY(6px) rotate(45deg);transform-origin:12px 6px}.menu-toggle[aria-expanded=true] .menu-bottom{transform:translateY(-6px) rotate(-45deg);transform-origin:12px 18px}.menu-toggle[aria-expanded=true] .menu-middle{opacity:0}.site-nav[hidden] .cta-header::after{animation:none}}
@media(max-width:1100px){.wrap{width:calc(100% - 64px)}.section{padding:70px 0}.header-inner{min-height:92px}.hero-copy{padding:77px 0;max-width:660px}.home-hero{min-height:595px}.home-hero h1{font-size:4.5rem}.intro-grid{gap:45px}.intro-grid h2{font-size:2.15rem}.topic-grid,.guide-grid{gap:20px}.topic-body{padding:25px}.topic-card h3{font-size:1.4rem}.split{gap:0 40px}.steps{gap:25px}.step h3{font-size:1.16rem}.section-heading{gap:40px}.detail-hero{gap:0 38px}.detail-title h1{font-size:2.8rem}.article-layout{grid-template-columns:195px minmax(0,1fr);gap:36px}.rich-copy h2{font-size:1.8rem}.faq-layout{gap:42px}.footer-grid{grid-template-columns:1fr 1fr;gap:32px}.footer-brand{grid-column:1/-1;display:flex;gap:35px;align-items:center;justify-content:space-between}.footer-brand p{margin:0}.cta-content h2{font-size:1.85rem}.cta-content{gap:30px}.reading-path{gap:20px}.path-block{padding:23px}}
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