:root{--green:#173a30;--ink:#161e1b;--red:#a72f24;--paper:#faf8f3;--muted:#5b625c;--line:#e6e4dc;--serif:Georgia,"Times New Roman",serif;--sans:Arial,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--paper);font-family:var(--sans);margin:0;line-height:1.56}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:var(--serif);font-weight:700;line-height:1.09}h1{letter-spacing:-.04em;font-size:clamp(2.5rem,4.2vw,4.7rem)}h2{letter-spacing:-.03em;font-size:clamp(2rem,3vw,3rem)}h3{font-size:1.45rem}p{max-width:74ch}a{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline-offset:3px;outline:3px solid #c74739}img{max-width:100%;height:auto;display:block}.container{width:min(100% - 7vw,1450px);margin-inline:auto}.site-header{z-index:2;background:#fffaf7;border-bottom:1px solid #e7e5db;position:relative}.header-inner{align-items:center;gap:2.2rem;min-height:82px;display:flex}.brand{font-family:var(--serif);white-space:nowrap;align-items:center;gap:.6rem;font-size:1.26rem;font-weight:700;line-height:1.04;text-decoration:none;display:flex}.brand-icon{border:2px solid;justify-content:center;align-items:center;width:42px;height:40px;font-size:2.5rem;line-height:.8;display:flex}.desktop-nav{gap:1.45rem;margin-left:auto;display:flex}.desktop-nav a{white-space:nowrap;font-size:.9rem;text-decoration:none}.desktop-nav a[aria-current]{color:var(--red);border-bottom:2px solid var(--red);padding-bottom:.5rem;font-weight:700}.header-phone{white-space:nowrap;border:1px solid var(--green);border-radius:4px;padding:.55rem .7rem;font-size:.85rem;text-decoration:none}.button{background:var(--red);color:#fff;cursor:pointer;border:0;border-radius:4px;justify-content:center;align-items:center;gap:.8rem;min-height:49px;padding:.75rem 1.22rem;font-size:.94rem;font-weight:700;text-decoration:none;display:inline-flex}.button:hover{background:#842419}.button-small{white-space:nowrap;font-size:.8rem}.button-outline{border:1px solid var(--green);color:var(--green);background:0 0}.button-outline:hover{color:#fff;background:var(--green)}.button-light{background:#b93c2f}.cta-actions{flex-wrap:wrap;align-items:center;gap:.75rem;display:flex}.mobile-menu{display:none}.skip-link{z-index:100;background:#fff;position:absolute;top:-60px;left:0}.skip-link:focus{top:0}.eyebrow{letter-spacing:.13em;color:var(--red);text-transform:uppercase;font-size:.73rem;font-weight:800}.hero-inner{max-width:1450px}.hero-lead{font-family:var(--serif);max-width:630px;font-size:1.4rem;line-height:1.4}.hero-note{color:#464944;max-width:610px}.trust-chips{flex-wrap:wrap;gap:.8rem 1.5rem;margin-top:1.7rem;font-size:.85rem;font-weight:600;display:flex}.trust-chips span:before{content:"✓";color:#fff;background:var(--green);border-radius:50%;place-items:center;width:19px;height:19px;margin-right:.5rem;display:inline-grid}.advantages{border-bottom:1px solid var(--line);background:#f8f7f3;padding:1.7rem 0}.advantage-grid{grid-template-columns:repeat(4,1fr);display:grid}.advantage{border-right:1px solid var(--line);align-items:start;gap:1rem;padding:.5rem 1.4rem;display:flex}.advantage:last-child{border:0}.advantage-icon{color:var(--green);font-size:2.3rem}.advantage strong{font-family:var(--serif);line-height:1.2;display:block}.advantage p{color:var(--muted);margin:.6rem 0 0;font-size:.83rem}.split{background:#fff;grid-template-columns:1fr 1fr;display:grid}.split img{object-fit:cover;width:100%;height:100%;min-height:380px}.split-content{flex-direction:column;justify-content:center;padding:clamp(2rem,5vw,5rem);display:flex}.split-content p{color:#51534d}.tick-list{columns:2;margin:1.4rem 0;padding:0;list-style:none}.tick-list li{margin:0 0 .75rem}.tick-list li:before{content:"●";color:var(--green);margin-right:.65rem}.center{text-align:center}.center p{margin-inline:auto}.steps{grid-template-columns:repeat(4,1fr);gap:2rem;margin-top:2.4rem;display:grid}.step-number{background:var(--red);color:#fff;width:38px;height:38px;font-family:var(--serif);border-radius:50%;place-items:center;font-size:1.25rem;display:inline-grid}.steps h3{margin:.9rem 0 .4rem;font-size:1.2rem}.steps p{color:var(--muted);font-size:.92rem}.cost-grid{grid-template-columns:repeat(4,1fr);gap:.7rem;margin-top:1.3rem;display:grid}.cost-item strong{font-family:var(--serif);display:block}.cost-item span{color:var(--muted);font-size:.81rem}.advisor-image{object-position:center 30%}.articles{grid-template-columns:repeat(3,1fr);gap:1.2rem;display:grid}.article-card{border:1px solid var(--line);background:#fff;grid-template-columns:36% 1fr;min-height:180px;display:grid}.article-card img{object-fit:cover;width:100%;height:100%}.article-card p{color:var(--muted);font-size:.81rem}.article-card a,.text-link{color:var(--red);font-weight:700}.banner{color:#fff;background:linear-gradient(90deg,#112b23cc,#112b2333),url(/images/footer-landscape.webp) 50%/cover;padding:3.2rem 0}.banner h2{max-width:720px}.banner .button-outline{color:#fff;border-color:#fff}.footer{background:var(--green);color:#fff;padding:2.4rem 0}.footer-grid{grid-template-columns:1.4fr 2fr 1fr 1fr;align-items:start;gap:2rem;display:grid}.footer nav{flex-wrap:wrap;gap:1rem;display:flex}.footer a{font-size:.85rem;text-decoration:none}.page-intro{background:#e9eee9;padding:5.2rem 0 4rem}.page-intro p{font-size:1.2rem}.prose{max-width:960px}.prose h2{margin-top:2.5rem}.prose li{margin-bottom:.6rem}.feature-grid{grid-template-columns:repeat(3,1fr);gap:1.4rem;display:grid}.feature-grid article{border:1px solid var(--line);background:#fff;padding:2rem}.calculator{border:1px solid var(--line);background:#fff;gap:1rem;max-width:810px;padding:2rem;display:grid}.calculator label{font-weight:700;display:block}.calculator input{width:100%;margin-top:.35rem}.calculator output{font-family:var(--serif);color:var(--green);font-size:2.5rem}.contact-form{border:1px solid var(--line);background:#fff;gap:1.1rem;max-width:950px;padding:clamp(1.2rem,4vw,2.4rem);display:grid}.form-row{grid-template-columns:1fr 1fr;gap:1.2rem;display:grid}.contact-form label,.contact-form legend{font-weight:700;display:block}.contact-form label small{font-weight:400}.contact-form input:not([type=checkbox]),.contact-form select,.contact-form textarea{width:100%;font:inherit;background:#fff;border:1px solid #8a918d;border-radius:3px;padding:.85rem;display:block}.contact-form fieldset{border:1px solid var(--line);padding:1rem}.contact-form .check{align-items:start;gap:.7rem;font-weight:400;display:flex}.contact-form .check input{margin-top:.4rem}.contact-form .small,.contact-form small{color:var(--muted);font-size:.84rem}.honeypot{position:absolute;left:-9999px}.required{color:var(--red)}.faq details{border-bottom:1px solid var(--line);background:#fff;padding:1rem 1.25rem}.faq summary{cursor:pointer;font-weight:700}.faq p{margin:1rem 0 .2rem}.source-note{color:var(--muted);border-left:3px solid var(--green);padding-left:1rem;font-size:.87rem}.disclaimer{color:#555;font-size:.84rem}.text-section{padding:3rem 0}.illustrative-note{color:var(--muted);font-size:.76rem}@media (width<=1200px){.desktop-nav,.header-phone{display:none}.mobile-menu{margin-left:auto;display:block}.mobile-menu summary{cursor:pointer}.mobile-menu nav{background:#fff;gap:.9rem;min-width:200px;padding:1.2rem;display:grid;position:absolute;top:80px;right:2vw;box-shadow:0 8px 22px #0002}.mobile-menu a{text-decoration:none;display:block}.header-inner>.button{margin-left:auto}}@media (width<=800px){.container{width:min(100% - 2rem,700px)}.site-header .button-small{display:none}.hero-lead{font-size:1.2rem}.advantage-grid,.steps,.cost-grid,.feature-grid,.articles{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.split img{min-height:300px;max-height:420px}.split-content{padding:2rem 1rem}.footer-grid{grid-template-columns:1fr 1fr}.article-card{grid-template-columns:1fr}.article-card img{height:130px}.form-row{grid-template-columns:1fr}}@media (width<=520px){h1{font-size:2.5rem}.advantage-grid,.steps,.cost-grid,.feature-grid,.articles{grid-template-columns:1fr}.advantage{border:0;border-bottom:1px solid var(--line)}.footer-grid{grid-template-columns:1fr}.cta-actions .button{width:100%}.hero{min-height:680px}.tick-list{columns:1}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}.hero{isolation:isolate;background:#d4d0c6;min-height:clamp(470px,32vw,590px);padding:clamp(3rem,5vw,5rem) 0;position:relative;overflow:hidden}.hero-media,.hero-veil{pointer-events:none;position:absolute;inset:0}.hero-media{z-index:-2;background-image:url(/images/hero-background.webp);background-position:50% 48%;background-repeat:no-repeat;background-size:cover}.hero-veil{z-index:-1;background:linear-gradient(90deg,#f9f6eefa 0%,#f9f6eef0 25%,#f9f6eecf 39%,#f9f6ee47 64%,#f9f6ee00 85%)}.hero-inner{z-index:1;width:min(100% - 7vw,1450px);max-width:1450px;position:relative}.hero h1{text-wrap:balance;max-width:740px}@media (width<=800px){.hero{min-height:unset;background:#eae5dc;padding:4rem 0}.hero-media{background-position:62%}.hero-veil{background:linear-gradient(90deg,#f9f6eef7,#f9f6eee0 60%,#f9f6ee9c)}.hero-inner{width:min(100% - 2rem,700px)}}@media (width<=520px){.hero{padding:3.2rem 0 2.7rem}.hero-veil{background:#f9f6eede}.hero h1{text-wrap:pretty}}.desktop-nav{align-items:center}.nav-trigger:after{content:"⌄";padding-left:.38rem}.nav-selected{color:var(--red);font-weight:700}.nav-dropdown-panel{z-index:40;border:1px solid var(--line);background:#fffaf7;border-radius:5px;gap:.1rem;min-width:240px;padding:.6rem;display:grid;position:absolute;top:calc(100% + 1.1rem);left:-1rem;box-shadow:0 15px 30px #0002}.nav-dropdown-panel a{white-space:normal;border-radius:3px;padding:.75rem .8rem;display:block}.mobile-menu nav{z-index:50;max-height:calc(100dvh - 105px);overflow-y:auto;min-width:min(330px,94vw)!important}.mobile-menu nav a{padding:.55rem 0}.mobile-submenu>div{gap:.1rem;padding:.3rem 0 .4rem 1rem;display:grid}.mobile-legal{border-top:1px solid var(--line);grid-template-columns:1fr 1fr;gap:.7rem;margin-top:.8rem;display:grid}.footer nav a:hover{text-decoration:underline}@media (width<=1200px){.header-inner{gap:1rem}.mobile-menu nav{top:calc(100% + .2rem);right:1rem}}@media (width>=1024px){.prose.editorial-grid{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:clamp(1.25rem,2.7vw,2.75rem);max-width:1450px;display:grid}.editorial-grid .editorial-topic{border:1px solid var(--line);background:#fff;border-radius:6px;min-width:0;padding:clamp(1.5rem,2.7vw,2.7rem)}.editorial-grid .editorial-preface{grid-column:1/-1}.editorial-grid .editorial-topic h2{margin-top:0;font-size:clamp(1.65rem,2.1vw,2.3rem)}.editorial-grid .editorial-topic p{max-width:72ch}}.page-intro .container{grid-template-columns:minmax(0,1fr) minmax(0,.45fr);column-gap:clamp(2rem,7vw,8rem);display:grid}.page-intro .eyebrow,.page-intro h1,.page-intro p{grid-column:1}.page-intro h1{max-width:1100px}.page-intro p{max-width:72ch}@media (width<=1023px){.page-intro .container{display:block}.editorial-topic{margin-bottom:2.5rem}.editorial-topic h2{margin-top:0}}@media (width>=1024px){.calculator{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:2rem;max-width:1100px}.calculator>.disclaimer{grid-column:1/-1}.contact-form{max-width:1100px}}.hero-microcopy{color:#34473d;max-width:680px;margin:.8rem 0 0;font-size:.83rem;line-height:1.5}.article-card,.article-card div{min-width:0}@media (width>=1450px){.container,.hero-inner{width:min(100% - 7vw,1500px);max-width:1500px}}@media (width<=520px){.site-header .brand{font-size:1.08rem}.site-header .brand-icon{width:34px;height:34px;font-size:2rem}.header-inner{min-height:70px}.mobile-menu nav{top:calc(100% + .2rem)}.hero-microcopy{font-size:.78rem}.articles{gap:1.2rem}}:root{--section-space:clamp(5.5rem,7.5vw,8rem);--section-space-mobile:4.25rem}.page-intro{padding-block:clamp(5rem,7vw,7.5rem)}.hero{min-height:clamp(570px,44vw,720px);padding-block:clamp(5rem,7vw,7.2rem)}.hero h1{font-size:clamp(2.75rem,4vw,4.3rem);line-height:1.07}.hero-lead{max-width:57ch;font-size:clamp(1.12rem,1.35vw,1.33rem)}.hero-media{background-color:#d3cabc;background-position:100%}.hero .trust-chips{margin-top:1.5rem}.advantages{padding-block:2.4rem}.split{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;min-height:540px}.split>div{min-width:0;overflow:hidden}.split>div:has(>img){min-height:500px;position:relative}.split img,.split img.advisor-image{object-fit:cover;object-position:center;width:100%;height:100%;min-height:0;max-height:none;position:absolute;inset:0}.split-content>p{max-width:65ch}.split .cost-grid{margin-top:1.7rem}.article-card{min-height:160px;overflow:hidden}.article-card img{object-fit:cover;flex-shrink:0;width:43%;height:100%;min-height:160px}.article-card h3{overflow-wrap:normal}.faq{margin-top:2rem}.faq details{padding-block:.6rem}.footer{padding-block:clamp(3rem,4vw,5rem)}@media (width<=1023px){.split{grid-template-columns:1fr;min-height:0}.split>div:has(>img){min-height:clamp(330px,48vw,520px)}.split-content{padding:3.5rem max(1.3rem,5vw) 4.5rem}.section{padding-block:5rem}.hero{min-height:570px}}@media (width<=700px){.container,.hero-inner{width:calc(100% - 2.5rem)}.hero{min-height:0;padding:4.3rem 0 4.8rem}.hero-veil{background:linear-gradient(90deg,#faf7f0f7,#faf7f0d9)}.hero h1{font-size:clamp(2.3rem,9vw,3.4rem)}.hero-lead{font-size:1.08rem}.section{padding-block:var(--section-space-mobile)}.articles{gap:1.3rem}.article-card img{width:38%;min-height:150px}.split>div:has(>img){min-height:290px}.split-content{padding:3.3rem 1.3rem 4.25rem}.footer{padding-block:3rem}}.contact-form-message{border-left:4px solid var(--red);color:var(--red);background:#fbeeec;margin:0 0 1rem;padding:.9rem 1.1rem}.contact-form-error{color:var(--red);margin:.3rem 0 0;font-size:.92rem}.contact-form-message[hidden],.contact-form-error[hidden]{display:none}h1,h2,h3{letter-spacing:-.027em}h1{font-size:clamp(46px,4vw,65px);line-height:1.09}h2{font-size:clamp(33px,2.75vw,46px);line-height:1.13}h3{font-size:clamp(21px,1.55vw,26px);line-height:1.2}.desktop-nav a,.nav-trigger{font-size:15px}.hero-inner{width:min(calc(100% - 84px),var(--content-width));max-width:var(--content-width)}.hero h1{max-width:750px;margin-bottom:24px;font-size:clamp(48px,4vw,64px)}.hero-lead{max-width:610px;font-size:20px;line-height:1.44}.hero-note{max-width:620px;font-size:14px;line-height:1.5}.hero-microcopy{font-size:13px}.trust-chips{gap:12px 20px;font-size:14px}.advantage-grid{gap:0}.advantage{gap:17px;padding:10px 22px}.advantage-icon{font-size:36px}.advantage p{font-size:14px;line-height:1.45}.section{padding:var(--space-section) 0}.split,.split>div:has(>img){min-height:520px}.split-content h2{max-width:640px}.split-content p{max-width:62ch;font-size:17px}.split img,.split img.advisor-image{object-fit:cover;width:100%;height:100%}.tick-list{font-size:16px;line-height:1.8}.step-number{width:46px;height:46px}.cost-item strong{font-size:17px}.cost-item span{font-size:14px}.article-card img{object-fit:cover;width:100%;height:100%;min-height:215px}.article-card h3{font-size:18px;line-height:1.25}.article-card p,.article-card a{font-size:14px}.banner{padding:105px 0}.page-intro{padding:100px 0 85px}.prose.editorial-grid{max-width:var(--content-width)}@media (width<=1199px){.site-header .header-inner{min-height:76px}.hero{padding:76px 0 70px}.split-content{padding:65px 48px}}@media (width<=900px){.container,.hero-inner{width:calc(100% - 44px)}.advantages .advantage-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.split{grid-template-columns:1fr}.split>div:has(>img){min-height:420px}.split-content{padding:60px max(26px,6vw)}.articles{grid-template-columns:1fr}.article-card{grid-template-columns:35% 1fr;min-height:185px}.article-card img{min-height:185px}}@media (width<=600px){body{font-size:16px}.container,.hero-inner{width:calc(100% - 36px)}.hero{min-height:0;padding:64px 0 62px}.hero h1{font-size:clamp(36px,9vw,48px)}.hero-lead{font-size:18px}.hero-veil{background:linear-gradient(90deg,#faf7f0f7,#faf7f0de)}.section{padding:70px 0}.advantages{padding:30px 0}.advantages .advantage-grid{grid-template-columns:1fr}.advantage{border-right:0;border-bottom:1px solid var(--line);padding:18px 0}.split>div:has(>img){min-height:310px}.split-content{padding:52px 22px 65px}.articles{grid-template-columns:1fr}.article-card{grid-template-columns:40% 1fr;min-height:165px}.article-card img{min-height:165px}.article-card div{padding:16px 13px}.article-card h3{font-size:17px}.steps{grid-template-columns:1fr;gap:25px}.banner{padding:80px 0}.footer{padding:50px 0}}.prose,.footer,.page-intro,.editorial-topic{overflow-wrap:anywhere}:root{--content-width:1510px;--space-section:clamp(84px,7vw,122px)}body{font-size:17px}.container{width:min(calc(100% - 8vw),var(--content-width))}.hero{min-height:580px;padding:65px 0 66px}.hero-inner{width:min(calc(100% - 8vw),var(--content-width))}.hero-content{max-width:640px}.hero h1{max-width:650px;margin-bottom:16px;font-size:clamp(46px,3.72vw,63px);line-height:1.075}.hero-lead{max-width:595px;margin-bottom:11px;font-size:clamp(19px,1.65vw,23px);line-height:1.4}.hero-note{max-width:600px;margin-bottom:19px;font-size:14px}.hero-media{background-position:50%}.hero-veil{background:linear-gradient(90deg,#faf7f0 0%,#faf7f0fa 26%,#faf7f0c4 45%,#faf7f014 75%,#0000 100%)}.trust-chips{gap:8px 18px;margin-top:16px;font-size:13px}.advantage{padding-inline:18px}.advantage strong{font-size:16px}.advantage p{font-size:13px}.split{grid-template-columns:1fr 1fr;min-height:420px}.split>div:has(>img){min-height:420px}.split img[src*=family]{object-position:center 80%}.split img[src*=beratung],.split img[src*=home-couple-house]{object-position:center 64%}.split img[src*=home-advisor]{object-position:center 46%}.split-content h2{font-size:clamp(31px,2.6vw,43px)}.split-content p{font-size:16px}.split-content .tick-list{margin-block:18px;font-size:15px}.section-alt{background:#f4f3ed}.steps{gap:clamp(24px,3vw,46px);margin-top:38px}.steps h3{font-size:20px}.steps p{font-size:15px}.cost-grid{gap:12px}.articles{gap:22px;margin-top:34px}.article-card{grid-template-columns:38% 1fr;min-height:165px}.article-card img{object-fit:cover;object-position:center;width:100%;height:100%;min-height:165px}.article-card h3{font-size:17px}.faq{max-width:1100px}.faq details{padding:16px 20px}.faq summary{font-size:16px}.banner{background-position:50% 55%;padding-block:76px}.banner h2{font-size:clamp(33px,2.6vw,45px)}@media (width<=1199px){.split-content{padding:60px 45px}}@media (width<=900px){.split{grid-template-columns:1fr}.split>div:has(>img){min-height:400px}.hero{min-height:0}.hero-inner,.container{width:calc(100% - 44px)}.hero h1{font-size:clamp(40px,6vw,58px)}.hero-veil{background:linear-gradient(90deg,#faf7f0fa,#faf7f0e0 54%,#faf7f047)}}@media (width<=600px){.hero{padding:59px 0 64px}.hero h1{font-size:clamp(36px,9vw,46px)}.hero-lead{font-size:18px}.hero-veil{background:#faf7f0db}.advantages{padding:20px 0}.split>div:has(>img){min-height:285px}.split-content{padding:48px 25px 60px}.section{padding-block:68px}.article-card{grid-template-columns:35% 1fr}.article-card img{min-height:155px}.banner{padding-block:68px}}.home-hero{min-height:630px;position:relative}.home-hero .hero-media{background-image:url(/images/hero-bassum-home.webp);background-position:50%}.home-hero .hero-note{color:#3e4b43;max-width:610px;margin-bottom:20px;font-size:15px}.home-hero .cta-actions{margin-top:0}.trust-chips-home span{color:#203a33;padding-left:27px;font-size:15px;font-weight:600;position:relative}.trust-chips-home span:before{content:"✓";color:#fff;background:#173a30;border-radius:50%;justify-content:center;align-items:center;width:18px;height:18px;font-size:12px;display:flex;position:absolute;top:0;left:0}.hero-note-badge{z-index:1;color:#173a30;font-family:var(--serif);text-align:right;max-width:190px;font-size:22px;font-style:italic;line-height:1.2;position:absolute;top:42px;right:56px;transform:rotate(-5deg)}.hero-note-badge:after{content:"";background:#a72f24;width:110px;height:2px;margin:.5rem 0 0 auto;display:block;transform:rotate(-8deg)}.home-advantages .advantage-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.home-advantages .advantage{min-height:126px}.home-advantages .advantage-icon{color:#173a30;border:2px solid #173a30;border-radius:50%;justify-content:center;align-items:center;width:52px;min-width:52px;height:52px;font-size:26px;display:flex}.image-panel{position:relative}.image-panel-quote .image-quote{color:#fff;max-width:240px;font-family:var(--serif);background:#173a30;padding:18px 22px;font-size:16px;line-height:1.35;position:absolute;bottom:34px;left:36px;box-shadow:0 10px 24px #00000024}.split-home-finance .split-content-home{border-left:1px solid var(--line)}.tick-list-columns{columns:2;column-gap:54px}.steps-home{grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:start;display:grid}.step-card{min-width:0}.step-top{align-items:center;gap:16px;margin-bottom:18px;display:flex}.step-icon{color:#0f2f27;font-size:38px;line-height:1}.step-arrow{color:#b8b4aa;align-self:center;margin-top:6px;font-size:48px}.steps-home h3{margin-bottom:10px}.split-content-costs{border-right:1px solid var(--line)}.cost-grid-home{grid-template-columns:repeat(4,minmax(0,1fr))}.advisor-panel{position:relative}.advisor-note{color:#173a30;background:linear-gradient(#faf8f3f2,#faf8f3e6);max-width:246px;padding:18px 18px 20px;position:absolute;top:38px;right:26px}.advisor-note strong{font-size:31px;line-height:1;font-family:var(--serif);color:#161e1b;margin-bottom:8px;display:block}.advisor-note span{margin-bottom:12px;font-size:14px;line-height:1.45;display:block}.advisor-note p{font-family:var(--serif);margin:0 0 10px;font-size:15px;font-style:italic;line-height:1.45}.advisor-note em{text-align:right;font-family:var(--serif);font-size:19px;display:block}.section-head-between{justify-content:space-between;align-items:flex-end;gap:2rem;display:flex}.section-head-between .text-link{margin-bottom:18px}.articles-home-3{grid-template-columns:repeat(3,minmax(0,1fr))}.article-card{background:#fff}.article-card .article-tag{text-transform:uppercase;letter-spacing:.12em;color:#6d6d67;margin-bottom:8px;font-size:11px;font-weight:700}.article-card a{color:var(--red);font-weight:700;text-decoration:none}.faq-home{max-width:1030px}.faq-home details{background:#fff}.banner-home{background-image:linear-gradient(90deg,#08231cc7,#08231c33 58%,#08231c1f),url(/images/footer-cta-home.webp);background-position:50%;background-size:cover;position:relative}.banner-inner-home{grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:2rem;display:grid;position:relative}.banner-inner-home .cta-actions{align-self:center;margin-top:0}.banner-script{color:#fff;font-family:var(--serif);text-align:right;font-size:24px;font-style:italic;line-height:1.2;position:absolute;bottom:-2px;right:0;transform:rotate(-7deg)}.footer{background:#0d3c33}.footer nav[aria-label=Footernavigation]{flex-wrap:wrap;gap:1.6rem;display:flex}.footer nav[aria-label=Rechtliches]{justify-content:flex-end;gap:1.3rem;display:flex}.text-link-strong{font-weight:700}@media (width<=1200px){.hero-note-badge{font-size:18px;top:36px;right:36px}.articles-home-3{grid-template-columns:1fr}.advisor-note{max-width:220px}}@media (width<=980px){.home-advantages .advantage-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.steps-home{grid-template-columns:repeat(2,minmax(0,1fr));gap:2rem 1.5rem}.steps-home .step-arrow{display:none}.cost-grid-home{grid-template-columns:repeat(2,minmax(0,1fr))}.split-home-finance .split-content-home,.split-content-costs{border:0}.advisor-note{background:0 0;max-width:none;padding:20px 24px 0;position:static}.banner-inner-home{grid-template-columns:1fr}.banner-script{text-align:left;margin-top:1rem;position:static;transform:none}.footer-grid{grid-template-columns:1fr;align-items:flex-start}.footer nav[aria-label=Rechtliches]{justify-content:flex-start}}@media (width<=700px){.home-hero{min-height:0}.hero-note-badge{display:none}.trust-chips-home span{font-size:14px}.home-advantages .advantage-grid{grid-template-columns:1fr}.tick-list-columns{columns:1}.image-panel-quote .image-quote{max-width:none;padding:14px 16px;font-size:15px;bottom:18px;left:18px;right:18px}.cost-grid-home{grid-template-columns:1fr 1fr}.section-head-between{display:block}.section-head-between .text-link{margin-top:.75rem;margin-bottom:0;display:inline-block}.articles-home-3{grid-template-columns:1fr}}@media (width<=520px){.home-hero .hero-content{max-width:none}.cost-grid-home{grid-template-columns:1fr}.step-top{gap:12px;margin-bottom:14px}.step-icon{font-size:30px}}.brand{font-size:20px}.brand-icon{width:38px;height:36px;font-size:2rem}.header-phone{padding:.5rem .65rem;font-size:12px}.button,.button-small{min-height:44px;padding:.72rem 1rem;font-size:13px}body{font-size:16px;line-height:1.56}.home-hero{min-height:560px;padding:56px 0 60px}.home-hero .hero-lead{max-width:520px;font-size:16px;line-height:1.5;font-family:var(--sans);margin-bottom:10px}.home-hero .hero-note{max-width:540px;margin-bottom:16px;font-size:13px;line-height:1.5}.home-hero .hero-microcopy{color:#546157;margin-top:10px;font-size:11px}.trust-chips-home span{font-size:13px;font-weight:600}.hero-note-badge{opacity:.92;font-size:18px;top:34px;right:40px}.advantages{padding:22px 0}.home-advantages .advantage{min-height:112px;padding:8px 16px}.home-advantages .advantage strong{font-size:15px;line-height:1.22}.home-advantages .advantage p{font-size:12px;line-height:1.45}.home-advantages .advantage-icon{width:46px;min-width:46px;height:46px;font-size:22px}.split,.split>div:has(>img){min-height:390px}.split-content{padding:48px 46px}.split-content h2{margin-bottom:18px;font-size:clamp(34px,2.5vw,44px);line-height:1.12}.split-content p{font-size:15px;line-height:1.6}.tick-list-columns{column-gap:38px}.tick-list li{margin-bottom:10px;font-size:15px}.image-panel-quote .image-quote{max-width:225px;padding:14px 18px;font-size:15px}.section{padding-block:72px}.steps-home{gap:22px 16px;margin-top:30px}.steps-home h3{margin-bottom:8px;font-size:18px}.steps-home p{font-size:13px;line-height:1.55}.step-icon{font-size:30px}.step-arrow{font-size:38px}.cost-grid-home{gap:10px}.cost-item{padding:16px 12px}.cost-item strong{margin-bottom:4px;font-size:15px}.cost-item span{font-size:12px;line-height:1.45}.advisor-note{max-width:228px;padding:16px 16px 18px;top:24px;right:22px}.advisor-note strong{margin-bottom:6px;font-size:26px}.advisor-note span{font-size:13px}.advisor-note p{font-size:14px}.home-guide-section .section-head h2,.faq-section-home h2,.banner-home h2{font-size:clamp(34px,2.45vw,42px)}.articles-home-3{gap:18px}.article-card{min-height:150px}.article-card div{padding:15px 16px}.article-card .article-tag{font-size:10px}.article-card h3{margin-bottom:8px;font-size:16px;line-height:1.28}.article-card p{font-size:12px;line-height:1.5}.article-card a{font-size:13px}.faq-home details{padding:14px 18px}.faq-home summary{font-size:14px}.faq-home p{font-size:14px;line-height:1.55}.banner-home{padding-block:64px}.banner-home p{font-size:15px}.banner-script{font-size:20px}.footer{padding:40px 0}@media (width<=900px){.home-hero{min-height:0;padding:56px 0 58px}.home-hero h1{font-size:clamp(36px,7vw,48px)}.home-hero .hero-lead{font-size:16px}.split-content{padding:42px 28px}}@media (width<=520px){.brand{font-size:17px}.home-hero .hero-content{max-width:none}.home-hero h1{font-size:clamp(34px,9vw,42px)}.home-hero .hero-lead{font-size:15px}.split-content{padding:38px 22px}.split-content h2{font-size:31px}}.sr-only{clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important;width:1px!important;height:1px!important;margin:-1px!important;padding:0!important;position:absolute!important;overflow:hidden!important}.container,.hero-inner{width:min(100% - 7.8vw,1508px)}.site-header{background:#fbf8f3}.site-header .header-inner{min-height:77px}.brand{gap:.52rem;font-size:19px}.brand-icon{border-width:1.7px;width:34px;height:34px;font-size:1.78rem}.desktop-nav{gap:1.7rem}.desktop-nav a{font-size:12px}.desktop-nav a[aria-current]{padding-bottom:.45rem}.header-phone{border-radius:5px;padding:.5rem .72rem;font-size:12px}.button,.button-small{border-radius:4px;min-height:42px;padding:.68rem 1rem;font-size:12.6px}.button-outline{padding-inline:1rem}.hero.home-hero{min-height:598px;padding:50px 0 54px}.home-hero .eyebrow{letter-spacing:.19em;margin-bottom:16px;font-size:10px}.home-hero h1{letter-spacing:-.038em;max-width:605px;margin-bottom:14px;font-size:clamp(41px,3.42vw,58px);line-height:1.05}.home-hero .hero-lead{font-family:var(--sans);max-width:505px;margin-bottom:8px;font-size:15px;line-height:1.46}.home-hero .hero-note{color:#485048;max-width:500px;margin-bottom:16px;font-size:12px;line-height:1.45}.home-hero .hero-microcopy{color:#5b655c;max-width:560px;margin-top:9px;font-size:10.5px;line-height:1.45}.home-hero .cta-actions{gap:.62rem}.trust-chips-home{gap:8px 14px;margin-top:14px}.trust-chips-home span{padding-left:24px;font-size:12.4px}.trust-chips-home span:before{width:16px;height:16px;font-size:11px;top:1px}.hero-note-badge{max-width:152px;font-size:16px;line-height:1.13;top:20px;right:38px}.hero-note-badge:after{width:96px;margin-top:.42rem}.home-advantages{border-top:1px solid var(--line);padding:18px 0}.home-advantages .advantage-grid{gap:0}.home-advantages .advantage{align-items:flex-start;gap:14px;min-height:90px;padding:10px 16px}.home-advantages .advantage strong{font-family:var(--serif);margin-bottom:4px;font-size:15px;line-height:1.16}.home-advantages .advantage p{color:#5c625d;margin-top:0;font-size:12px;line-height:1.42}.home-advantages .advantage-icon{justify-content:center;align-items:flex-start;display:flex;border:0!important;border-radius:0!important;width:42px!important;min-width:42px!important;height:42px!important;padding:0!important}.advantage-icon-svg svg,.step-icon svg,.cost-icon svg{width:100%;height:100%}.split,.split>div:has(>img){min-height:396px}.split-home-finance .image-panel img{object-position:center 58%}.split-home-finance .split-content-home{padding:44px 52px 40px}.split-home-finance .split-content-home .eyebrow{margin-bottom:12px;font-size:11px}.split-home-finance .split-content-home h2{max-width:520px;margin-bottom:14px;font-size:clamp(30px,2.45vw,41px);line-height:1.08}.split-home-finance .split-content-home>p:last-of-type,.split-home-finance .split-content-home>p{max-width:520px;font-size:14px;line-height:1.58}.tick-list-columns{column-gap:28px;margin:18px 0}.tick-list-columns li{margin-bottom:9px;font-size:14px;line-height:1.42}.tick-list-columns li:before{font-size:10px;position:relative;top:-1px}.image-panel-quote .image-quote{max-width:190px;box-shadow:none;padding:13px 16px;font-size:13px;line-height:1.38;bottom:28px;left:30px}.section.section-alt.steps-section{padding-block:68px}.steps-section .eyebrow.center{margin-bottom:8px;font-size:10px}.steps-section h2.center{max-width:780px;margin-inline:auto;font-size:clamp(31px,2.65vw,44px);line-height:1.12}.steps-home{grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;gap:18px 12px;margin-top:28px}.step-top{gap:12px;margin-bottom:10px}.step-number{width:30px;height:30px;font-size:15px}.step-icon{color:#0e2e27;justify-content:center;align-items:center;width:34px;height:34px;font-size:0;display:inline-flex}.step-arrow{color:#bfb9ad;align-self:flex-start;padding-top:2px;font-size:34px}.steps-home h3{margin-bottom:6px;font-size:16px;line-height:1.18}.steps-home p{max-width:230px;font-size:12.6px;line-height:1.48}.split-home-costs .split-content-costs{padding:52px 44px 46px}.split-home-costs .split-content-costs .eyebrow{margin-bottom:12px;font-size:10px}.split-home-costs .split-content-costs h2{max-width:470px;margin-bottom:14px;font-size:clamp(30px,2.45vw,41px);line-height:1.08}.split-home-costs .split-content-costs>p{max-width:490px;font-size:14px;line-height:1.58}.cost-grid-home{gap:10px;margin-top:18px}.cost-item{background:#f5f4ef;border-radius:4px;padding:14px 13px 13px}.cost-icon{color:#b53b31;width:28px;height:28px;margin-bottom:10px;display:inline-flex}.cost-item strong{font-size:14px;line-height:1.18;font-family:var(--serif);margin-bottom:4px}.cost-item span{color:#5f665f;font-size:11.6px;line-height:1.42}.section-link-row{margin-top:14px}.text-link{font-size:13px;text-decoration:none}.advisor-note{background:#faf8f3ed;max-width:194px;padding:14px 15px;top:16px;right:14px}.advisor-note strong{margin-bottom:6px;font-size:23px;line-height:.94}.advisor-note span{margin-bottom:8px;font-size:12px;line-height:1.35}.advisor-note p{margin-bottom:8px;font-size:13px;line-height:1.36}.advisor-note em{font-size:16px}.home-guide-section{padding-top:78px;padding-bottom:78px}.home-guide-section .eyebrow{margin-bottom:10px;font-size:10px}.home-guide-section h2{margin-bottom:0;font-size:clamp(31px,2.45vw,42px);line-height:1.1}.section-head-between{align-items:center}.section-head-between .text-link{margin-bottom:0;font-size:14px}.articles-home-3{gap:14px;margin-top:24px}.articles-home-3 .article-card{grid-template-columns:34% 1fr;min-height:142px}.articles-home-3 .article-card img{object-position:center;height:100%;min-height:142px}.articles-home-3 .article-card div{padding:12px 14px}.articles-home-3 .article-tag{letter-spacing:.11em;margin-bottom:6px;font-size:9px}.articles-home-3 .article-card h3{max-width:26ch;margin-bottom:6px;font-size:15px;line-height:1.22}.articles-home-3 .article-card p{margin-bottom:8px;font-size:11.6px;line-height:1.45}.articles-home-3 .article-card a{font-size:12px}.faq-section-home{padding-top:74px;padding-bottom:80px}.faq-section-home .prose{max-width:1100px}.faq-section-home .eyebrow{margin-bottom:10px;font-size:10px}.faq-section-home h2{margin-bottom:16px;font-size:clamp(31px,2.45vw,42px);line-height:1.1}.faq-home{max-width:100%;margin-top:0}.faq-home details{background:#fff;padding:14px 16px}.faq-home summary{font-size:13px;line-height:1.4}.faq-home p{margin-top:10px;font-size:12.8px;line-height:1.52}.banner-home{background-position:50%;padding-block:56px}.banner-inner-home{grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:1.5rem}.banner-home .eyebrow{color:#d16954;margin-bottom:10px;font-size:10px}.banner-home h2{max-width:620px;margin-bottom:10px;font-size:clamp(31px,2.45vw,42px);line-height:1.08}.banner-home p{color:#f0ede7;max-width:470px;margin-bottom:0;font-size:14px;line-height:1.48}.banner-home .cta-actions{place-self:flex-end end;margin-top:0}.banner-home .button-light,.banner-home .button-outline{min-height:40px;padding:.62rem .95rem;font-size:12px}.banner-script{font-size:18px;bottom:2px;right:2px}.footer{background:#0d463b;padding:28px 0 30px}.footer-grid{grid-template-columns:auto 1fr auto auto;align-items:center;gap:2rem}.footer .brand{font-size:18px}.footer nav[aria-label=Footernavigation]{gap:1.2rem 1.4rem}.footer a{font-size:11.6px}@media (width<=980px){.container,.hero-inner{width:calc(100% - 44px)}.home-advantages .advantage-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.steps-home{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 18px}.steps-home .step-arrow{display:none}.split-home-finance .split-content-home,.split-home-costs .split-content-costs{padding:40px 30px}.advisor-note{background:0 0;max-width:none;padding:18px 24px 0;position:static}.banner-inner-home{grid-template-columns:1fr}.banner-home .cta-actions{justify-self:start}.banner-script{text-align:left;margin-top:1rem;position:static;transform:none}.footer-grid{grid-template-columns:1fr;align-items:flex-start}}@media (width<=700px){.hero.home-hero{min-height:0;padding:46px 0 52px}.home-hero h1{font-size:clamp(35px,9vw,45px)}.home-hero .hero-content{max-width:none}.hero-note-badge{display:none}.home-advantages .advantage-grid,.articles-home-3{grid-template-columns:1fr}.cost-grid-home{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=520px){.container,.hero-inner{width:calc(100% - 34px)}.brand{font-size:16px}.brand-icon{width:31px;height:31px;font-size:1.6rem}.home-hero .hero-microcopy{font-size:10px}.trust-chips-home span{font-size:12px}.split-home-finance .split-content-home,.split-home-costs .split-content-costs,.split-content{padding:34px 20px 38px}.steps-home,.cost-grid-home,.articles-home-3 .article-card{grid-template-columns:1fr}.articles-home-3 .article-card img{min-height:170px}}.page-intro.has-topic-image{isolation:isolate;background:#f2f0e8;position:relative;overflow:hidden}.page-intro.has-topic-image:before{content:"";background-image:var(--topic-image);z-index:-2;background-position:50%;background-size:cover;position:absolute;inset:0 0 0 54%}.page-intro.has-topic-image:after{content:"";z-index:-1;background:linear-gradient(90deg,#f2f0e8 0% 43%,#f2f0e8e0 54%,#f2f0e829 76%,#0000 100%);position:absolute;inset:0}.page-intro.has-topic-image .container{z-index:1;position:relative}.page-intro.has-topic-image h1,.page-intro.has-topic-image p{max-width:760px}@media (width<=900px){.page-intro.has-topic-image:before{opacity:.45;inset:0 0 0 20%}.page-intro.has-topic-image:after{background:linear-gradient(90deg,#f2f0e8fa,#f2f0e8db)}}.brand-logo{object-fit:contain;object-position:left center;width:clamp(165px,13vw,226px);height:auto;max-height:65px;display:block}.footer .brand-logo{background:#fff;border-radius:3px;width:185px;padding:4px}@media (width<=520px){.brand-logo{width:155px}}.advisor-contact-section{background:#f8f7f3}.advisor-contact-grid{grid-template-columns:minmax(0,1fr) minmax(240px,330px);align-items:center;gap:clamp(2rem,6vw,6rem);display:grid}.advisor-contact-links{flex-wrap:wrap;gap:16px 32px;margin:18px 0;display:flex}.advisor-contact-links a{color:#173a30;overflow-wrap:anywhere;font-weight:700}.advisor-qr-link{color:#173a30;background:#fff;border:1px solid #e4e3dd;border-radius:9px;justify-items:center;gap:12px;padding:18px;text-decoration:none;display:grid}.advisor-qr-link img{image-rendering:auto;width:min(100%,230px);height:auto}.advisor-qr-link span{text-align:center;font-size:13px;font-weight:700}@media (width<=700px){.advisor-contact-grid{grid-template-columns:1fr}.advisor-qr-link{max-width:300px}}.advisor-contact-grid{grid-template-columns:minmax(180px,260px) minmax(0,1fr) minmax(230px,290px);align-items:center;gap:clamp(1.5rem,3.2vw,3.5rem)}.advisor-contact-photo{aspect-ratio:4/5;object-fit:cover;object-position:center 28%;border-radius:8px;width:100%;display:block}.advisor-contact-grid h2{margin-bottom:.45rem}.advisor-contact-grid h3{margin-bottom:1rem;font-size:clamp(1.4rem,2vw,1.9rem)}.advisor-contact-grid p{max-width:58ch}.advisor-contact-links{gap:.6rem;display:grid}.advisor-contact-links a{font-size:clamp(.88rem,1.05vw,1rem)}.advisor-panel .advisor-image{object-position:center 46%}.advisor-profile-layout{grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);align-items:start;gap:clamp(2rem,4vw,5rem);display:grid}.advisor-profile-photo{aspect-ratio:4/3;object-fit:cover;border-radius:5px;width:100%;height:auto}@media (width<=980px){.advisor-contact-grid{grid-template-columns:minmax(160px,240px) minmax(0,1fr)}.advisor-qr-link{grid-column:2;justify-self:start;max-width:290px}.advisor-profile-layout{grid-template-columns:1fr}}@media (width<=700px){.advisor-contact-grid{grid-template-columns:1fr}.advisor-contact-photo{max-width:300px}.advisor-qr-link{grid-column:1}.advisor-profile-photo{max-width:680px}}.hero.home-hero{height:auto;min-height:0;max-height:500px;padding:34px 0 30px;overflow:hidden}.home-hero .hero-inner{width:min(100% - 7.8vw,1508px)}.home-hero .hero-content{max-width:620px}.home-hero h1{max-width:630px;margin-bottom:12px;font-size:clamp(36px,3.1vw,49px);line-height:1.06}.home-hero .hero-lead{max-width:540px;margin-bottom:8px;font-size:15px;line-height:1.42}.home-hero .hero-note{margin-bottom:12px;font-size:12px;line-height:1.42}.home-hero .eyebrow{margin-bottom:12px}.home-hero .hero-microcopy{margin-top:8px;font-size:10px}.home-hero .trust-chips-home{margin-top:12px}.nav-dropdown{position:relative}.nav-trigger{cursor:pointer;white-space:nowrap;font-size:13px;list-style:none}.nav-trigger::-webkit-details-marker{display:none}.nav-trigger:after{content:"⌄";margin-left:6px}.nav-dropdown-panel{border:1px solid var(--line);z-index:30;background:#fffaf7;border-radius:4px;width:245px;padding:8px;display:grid;position:absolute;top:calc(100% + 16px);left:-14px;box-shadow:0 10px 22px #00000021}.nav-dropdown-panel a{white-space:normal;padding:10px 9px;text-decoration:none}.nav-dropdown-panel a:hover,.nav-dropdown-panel a:focus-visible{background:#f1eee8}.mobile-submenu{border-bottom:1px solid var(--line);padding:5px 0}.mobile-submenu summary{cursor:pointer;padding:6px 0;font-weight:700}.mobile-submenu>div{padding-left:14px;display:grid}.mobile-submenu a{padding:8px 0}@media (width<=900px){.hero.home-hero{max-height:none;padding:46px 0 45px}}@media (width<=700px){.hero.home-hero{max-height:none;padding:39px 0 42px}.home-hero h1{font-size:clamp(32px,8vw,43px)}}