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@media(max-width:1110px){.hero-grid{gap:32px;grid-template-columns:1fr 1fr}.category-tiles{grid-template-columns:repeat(3,1fr)}.topics-grid{grid-template-columns:repeat(3,1fr)}.nav-item>a{padding-left:10px;padding-right:10px}.nav-guide{font-size:11px}.head-contact{display:none}}
@media(max-width:800px){.wrap{padding-left:19px;padding-right:19px}.utility-inner>span:last-child{display:none}.header-row{height:73px;gap:17px}.logo{font-size:27px}.top-search{margin-left:auto}.top-search button{display:none}.menu-toggle{display:block}.main-nav{display:none}.main-nav.open{display:block}.nav-inner{display:block;padding-top:7px;padding-bottom:7px}.nav-item>a{min-height:45px}.nav-chevron,.mega,.nav-guide{display:none!important}.hero-grid{display:grid;grid-template-columns:1fr;min-height:0;padding-top:44px;padding-bottom:37px;gap:32px}.hero-left h1{font-size:43px}.hero-intro{font-size:16px}.hero-bottom{font-size:9px}.hero-bottom span:last-child{display:none}.section{padding-top:60px;padding-bottom:60px}.section-lead{display:block}.text-link{margin-top:19px}.category-tiles{grid-template-columns:repeat(2,1fr)}.topics-grid{grid-template-columns:repeat(2,1fr)}.editorial-block{grid-template-columns:1fr;gap:26px}.insight-grid{grid-template-columns:1fr}.cta-inner{display:block}.cta-inner .btn{margin-top:23px}.footer-top{grid-template-columns:repeat(2,1fr)}.topic-hero-inner{grid-template-columns:1fr;gap:20px}.topic-layout{grid-template-columns:1fr;gap:20px}.topic-sidebar{position:static}.contact-grid{grid-template-columns:1fr;gap:25px}}
@media(max-width:520px){.top-search{max-width:51px;background:none;border:0;padding:0;flex:0}.top-search input{display:none}.top-search button{display:none}.hero-left h1{font-size:38px}.hero-grid{padding-top:40px}.hero-comparison{margin-left:-4px;margin-right:-4px}.selector-head{padding:19px}.selector-head h2{font-size:19px}.quick-tabs{overflow-x:auto;display:flex;padding-left:8px}.quick-tabs button{font-size:11px;padding:13px 10px}.quick-form{padding:19px}.selector-foot{padding:12px;font-size:10px}.category-tiles{grid-template-columns:1fr 1fr;gap:9px}.category-tile{min-height:175px;padding:15px 12px}.category-tile strong{font-size:14px}.category-symbol{height:42px;width:42px;margin-bottom:13px}.category-tile small{font-size:10px}.topics-grid{grid-template-columns:1fr}.topic-card{min-height:180px}.footer-top{gap:23px}.footer-bottom{display:block}.topic-hero h1{font-size:35px}.topic-pills{gap:8px}.topic-layout{padding-top:30px}.form-card{padding:19px}.form-two{grid-template-columns:1fr;gap:0}.cookie-banner{display:block;padding:15px}.cookie-actions{margin-top:13px;min-width:0}.chat-fab span{display:none}.search-large{display:block}.search-large input{width:100%;margin-bottom:10px}}

[hidden]{display:none!important}
/* Sparvix 1.1: redaktionelles Bildlayout – große echte Fotos, ruhige Typografie, kein Karten-Overload */
.photo-stories .section-lead{margin-bottom:30px}
.photo-story-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:21px}
.photo-story{border:1px solid #e1e9ee;border-radius:5px;background:#fff;overflow:hidden;display:block;transition:box-shadow .2s}
.photo-story:hover{box-shadow:0 13px 37px #183c551b}
.photo-story-image{height:225px;background:linear-gradient(135deg,#d0e2e8,#f3e8cf);overflow:hidden}
.photo-story-image img{height:100%;width:100%;object-fit:cover;transition:transform .35s}
.photo-story:hover img{transform:scale(1.035)}
.photo-story-copy{padding:26px 26px 27px}
.photo-story-copy>span{color:#1769ce;font-weight:800;letter-spacing:.12em;font-size:10px}
.photo-story-copy h3{font-size:23px;line-height:1.2;margin:9px 0 13px;color:#132c41}
.photo-story-copy p{font-size:13px;line-height:1.7;color:#556b7b;min-height:55px}
.photo-story-copy strong{display:flex;align-items:center;gap:10px;font-size:13px;color:#1769ce;margin-top:16px}
.editorial-feature{display:grid;grid-template-columns:1.05fr 1fr;gap:0;padding-top:5px;padding-bottom:65px}
.editorial-feature-media{min-height:350px;overflow:hidden;background:#dde8eb}
.editorial-feature-media img{height:100%;width:100%;object-fit:cover}
.editorial-feature-content{padding:35px 48px;background:#f0f6f7;align-self:stretch;display:flex;flex-direction:column;justify-content:center}
.editorial-feature-content h2{font-size:clamp(26px,2.5vw,38px);line-height:1.2;margin:13px 0}
.editorial-feature-content p{color:#496474;font-size:15px;margin-bottom:20px}
.editorial-feature-content .btn{align-self:flex-start}
.photo-credit{border-top:1px solid #ffffff26;font-size:10px;line-height:1.6;color:#bdcbd2;padding-top:15px;margin-top:12px}
.category-photo{background-color:#eff5f5;background-image:linear-gradient(90deg,#f6fafb 0%,#f6fafb 55%,#f6fafbd9 72%,#f6fafb36 100%),url('/photo.php?bild=wohnen&v=2');background-size:cover;background-position:center right}
.category-photo-reisen{background-image:linear-gradient(90deg,#f6fafb 0%,#f6fafb 53%,#f6fafb1e 100%),url('/photo.php?bild=reisen&v=2')}
.category-photo-energie{background-image:linear-gradient(90deg,#f6fafb 0%,#f6fafb 53%,#f6fafb1e 100%),url('/photo.php?bild=energie&v=2')}
.category-photo-versicherungen{background-image:linear-gradient(90deg,#f6fafb 0%,#f6fafb 53%,#f6fafb1e 100%),url('/photo.php?bild=mobilitaet&v=2')}
.category-photo-finanzen{background-image:linear-gradient(90deg,#f6fafb 0%,#f6fafb 53%,#f6fafb1e 100%),url('/photo.php?bild=finanzen&v=2')}
@media(max-width:800px){.photo-story-grid{grid-template-columns:1fr 1fr}.editorial-feature{grid-template-columns:1fr}.editorial-feature-media{max-height:290px}}
@media(max-width:550px){.photo-story-grid{grid-template-columns:1fr}.photo-story-image{height:220px}.editorial-feature-content{padding:27px}.category-photo{background-position:center right}}

/* ===========================================================
   SPARVIX 1.2 — Brand-Neustart: Royalblau / Orange / Weiß
   Konsequent responsiv, ohne Tailwind, CDNs oder Frameworks.
   =========================================================== */
:root{--navy:#173453;--navy2:#153b63;--ink:#152d4a;--muted:#61738a;--line:#e0e7f0;--soft:#f6f8fc;--aqua:#e8f2ff;--teal:#1568d8;--orange:#ff7a19;--white:#fff;--shadow:0 10px 32px rgba(25,57,96,.07);--blue:#1568d8;--blue-dark:#0c4da9;--bright:#ff7a19;--bg:#f6f8fc}
html{scroll-padding-top:95px}
body{color:var(--ink);background:#fff;font:15px/1.64 Arial,'Segoe UI',sans-serif;letter-spacing:0}
h1,h2,h3,h4{font-family:Arial,'Segoe UI',sans-serif;letter-spacing:-.034em;line-height:1.2;color:#132b4a;font-weight:800}
h1{font-size:clamp(37px,4.15vw,62px)}h2{font-size:clamp(27px,2.7vw,37px)}h3{font-size:21px}
p{line-height:1.72}.wrap{max-width:1320px;padding-left:26px;padding-right:26px}
::selection{background:#d7e9ff;color:#0a4ba2}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #f9a04f;outline-offset:3px}
.utilitybar{background:#f4f7fc;border-bottom:1px solid #e9eef5;color:#607084;font-size:11px}.utility-inner{height:31px;letter-spacing:.02em}.utility-inner span:first-child{font-weight:700;color:#1e5086}.utility-inner svg{color:#1568d8}
.site-header{background:#fff;box-shadow:0 1px 0 rgba(18,56,92,.05);z-index:81}.header-row{height:88px;gap:53px}.logo{font-family:Arial,'Segoe UI',sans-serif;letter-spacing:-.075em;color:#102e53;font-size:35px}.logo span span{color:#1769d1}.logo b{color:#ff7d20}.logo-emblem i{background:#1769d1}.logo-emblem i:nth-child(2){background:#ff8225}.logo-emblem i:nth-child(3){background:#4c9af0}.uploaded-logo{max-height:63px}
.top-search{height:48px;max-width:515px;background:#f8faff;border:1px solid #dce5f2;border-radius:9px;box-shadow:inset 0 1px 2px #153f6405;transition:border-color .15s}.top-search:focus-within{border-color:#5598ed}.top-search svg{color:#7391b0}.top-search input{font-size:13px}.top-search button{background:#1568d8;height:100%;align-self:stretch;border:none;border-radius:0 8px 8px 0;padding:0 22px;font-size:13px;color:#fff}.top-search button:hover{background:#0b53b5}
.head-contact{color:#677992;gap:11px}.head-contact b{color:#1257af}.head-contact svg{color:#1870d5}.menu-toggle{color:#174a7f}
/* Klare, weiße Menüleiste mit blauem Aktivzustand – keine Pfeilsymbole */
.main-nav{background:#fff;color:#183759;box-shadow:0 4px 15px rgba(20,46,80,.06);border-top:1px solid #edf1f7;border-bottom:1px solid #e1e7ef;z-index:80}.nav-inner{min-height:54px;gap:14px}.nav-item>a{min-height:54px;padding:15px 13px;font-weight:700;font-size:13px;position:relative;transition:color .2s}.nav-item>a:after{content:"";height:3px;position:absolute;left:12px;right:12px;bottom:-1px;background:transparent;border-radius:3px 3px 0 0}.nav-item:hover>a,.nav-item:focus-within>a{background:transparent;color:#0a5cc4}.nav-item:hover>a:after,.nav-item:focus-within>a:after{background:#ff7d21}.nav-chevron{display:none!important}.nav-guide{color:#1568d8;font-size:12px;font-weight:700}.nav-guide:hover{color:#ff7a19}
.mega{top:100%;width:min(1200px,calc(100% - 32px));border:1px solid #dce7f4;border-top:3px solid #ff7d21;border-radius:0 0 12px 12px;background:#fff;box-shadow:0 20px 50px #173d6726;padding:22px 32px 28px}.mega-heading{padding-bottom:13px;font-size:18px;border-color:#e7edf5;justify-content:space-between}.mega-heading>a{font-size:12px;font-weight:700;color:#1769d1;display:flex;align-items:center;gap:9px}.mega-links{grid-template-columns:repeat(3,1fr);gap:2px 22px}.mega-links a{color:#375471;font-size:13px;border-radius:6px}.mega-links a:hover{background:#f0f6ff;color:#095bbf}.mega-links svg{color:#2778d9}
/* Editorial-Suchstart, echte Portalästhetik statt überdimensionierter KI-Headline */
.hero{background:linear-gradient(108deg,#f3f8ff 0%,#f6f9ff 48%,#fffaf5 100%);border-bottom:1px solid #e5ecf6}.hero:before{width:0;height:0;display:none}.hero-grid{grid-template-columns:minmax(0,1fr) minmax(400px,.92fr);gap:clamp(32px,5vw,84px);min-height:480px;padding-top:60px;padding-bottom:63px}.eyebrow,.kicker{color:#165fb8;font-size:11px;letter-spacing:.095em;font-weight:800}.eyebrow{margin-bottom:20px}.eyebrow-line{background:#ff8128;width:29px;height:3px}.hero-left h1{font-size:clamp(40px,4.25vw,66px);letter-spacing:-.045em;line-height:1.13;margin:0 0 25px;max-width:650px}.hero-left h1::first-line{color:#112e51}.hero-intro{font-size:17px;line-height:1.75;color:#546b84;max-width:540px;margin-bottom:27px}.hero-perks{gap:9px;font-size:13px;font-weight:500;color:#425a76}.hero-perks svg{color:#ff7a19}.hero-bottom{height:46px;border-top:1px solid #e2e9f3;font-size:10px;color:#7586a0;letter-spacing:.04em}
.hero-comparison{border:1px solid #e0e8f3;border-top:4px solid #ff7d1e;box-shadow:0 16px 42px rgba(31,71,115,.10);border-radius:11px}.selector-head{padding:27px 30px 14px}.selector-head small{font-size:10px;color:#5e7191;letter-spacing:.11em}.selector-head h2{font-size:25px;line-height:1.3;color:#153455}.selector-badge{display:none}.quick-tabs{padding:0 21px;border-bottom:1px solid #e4ebf3}.quick-tabs button{font-size:12px;font-weight:700;color:#6d7f95;border-bottom-width:3px;padding:16px 5px}.quick-tabs button.active{color:#135bbd;border-bottom-color:#ff7e1b}.quick-tabs button:hover{color:#1568d8}.quick-form{padding:23px 30px 26px}.quick-form label{font-size:12px;color:#2a4568}.quick-form select{height:55px;margin-top:8px;background:#fff;border:1px solid #cfdbec;border-radius:7px;color:#243e5c;outline-color:#ff7e1b;font-size:14px}.selector-foot{background:#f8fbff;border-top:1px solid #e7edf6;color:#6c7d93;padding:14px 28px;font-size:11px}.selector-foot svg{color:#2273ca}
.btn{border-radius:7px;font-size:13px;font-weight:700;transition:background .18s,box-shadow .18s,transform .18s}.btn.accent,.btn.primary{background:#f47719;color:#fff;box-shadow:0 3px 0 #c85809}.btn.accent:hover,.btn.primary:hover{background:#df6512;box-shadow:0 3px 0 #aa4601}.btn.navy{background:#1365cd;color:#fff}.btn.navy:hover{background:#0b52ae}.btn.outline{border:1px solid #cbd8e9;background:white;color:#1a5cae}.btn.outline:hover{background:#f0f6ff}.btn.white{background:#fff;color:#1559b0}
/* Klare Themenverzeichnisse */
.section{padding-top:74px;padding-bottom:74px}.section-lead{margin-bottom:27px}.section-lead h2{margin:9px 0 13px;color:#152e4e}.section-lead p{font-size:15px;color:#5b718b;line-height:1.8}.text-link{color:#0b61c6;font-size:13px}.text-link:hover{color:#e56b12}
.category-tiles{gap:13px}.category-tile,.category-tile.dark{background:#fff;color:#183657;border:1px solid #dce5f0;box-shadow:0 2px 12px #193f6507;border-radius:9px;min-height:184px;padding:22px 19px 18px}.category-tile:hover{transform:translateY(-3px);border-color:#b0d0f4;box-shadow:0 14px 26px #15457519}.category-symbol,.category-tile.dark .category-symbol{background:#eff6ff;color:#176bd6;border-radius:8px;width:44px;height:44px;margin-bottom:17px}.category-tile strong{font-size:16px}.category-tile small,.category-tile.dark small{color:#728299;font-size:11.5px}.category-tile>svg{color:#f27a27}
.feature-section{background:#f5f8fd;border-color:#edf0f6}.topics-grid{gap:13px;grid-template-columns:repeat(4,minmax(0,1fr))}.topic-card{min-height:216px;border:1px solid #e3eaf2;border-radius:8px;padding:22px;box-shadow:0 2px 10px #183b6105}.topic-card:hover{transform:translateY(-2px);border-color:#b5d2f2;box-shadow:0 12px 28px #1a45701a}.topic-icon{width:39px;height:39px;border:none;background:#f0f6ff;color:#156cd5;margin-bottom:16px;border-radius:7px}.topic-copy strong{font-size:16px}.topic-copy small{font-size:12px;color:#6b7e94;margin-bottom:17px}.topic-copy em{color:#1469d4;font-size:12px}
.photo-story-grid{gap:20px}.photo-story{border-radius:10px;border-color:#dce7f2;box-shadow:0 4px 18px #193c5e0c}.photo-story-image{height:230px;background:linear-gradient(130deg,#e3efff,#fbeade)}.photo-story-copy{padding:23px 24px 26px}.photo-story-copy>span{color:#1867bf}.photo-story-copy h3{font-size:22px}.photo-story-copy p{color:#60768d;font-size:13px}.photo-story-copy strong{color:#1168d2}.photo-story:hover{box-shadow:0 16px 33px #173f661d}
.editorial-block{gap:7%}.editorial-side p{color:#667991}.editorial-steps>div>span{color:#e96d17}.editorial-steps p{color:#667991}
.insight-grid>a{background:#f8faff;border-top:3px solid #f77b21;min-height:245px}.insight-grid span{color:#1669cf}.insight-grid p{color:#697b90}.insight-grid b{color:#1268d5}.insight-grid>a:hover{background:#eff6ff}
.editorial-feature{grid-template-columns:1.04fr 1fr;padding-bottom:72px}.editorial-feature-media{min-height:350px;background:linear-gradient(115deg,#e1eeff,#ffefe0)}.editorial-feature-content{background:#f3f8ff;padding:45px 50px}.editorial-feature-content h2{color:#17365a}.editorial-feature-content p{color:#536b88}.cta-strip{background:linear-gradient(112deg,#0e61be,#207cdd);color:#fff;padding-top:53px;padding-bottom:53px}.cta-inner span{color:#e1ecff}.cta-inner h2{color:white}.cta-inner p{color:#f0f6ff}.content-note{padding-top:70px;padding-bottom:75px}
/* Kategorie-, Ratgeber- und Ergebnisdarstellung */
.topic-hero,.category-header,.simple-hero{background:#f4f8ff;border-color:#e3ebf6}.topic-hero-inner{grid-template-columns:minmax(0,1fr) 265px;gap:65px;padding-top:45px;padding-bottom:46px}.topic-hero h1{font-size:clamp(34px,3.6vw,52px);margin:12px 0 17px}.topic-hero p{color:#59718b;font-size:16px}.topic-pills{color:#4c6685;gap:17px}.topic-pills svg{color:#176bd3}.topic-box{padding:23px;background:#fff;border:1px solid #e0eafa;box-shadow:0 6px 21px #14487913;border-radius:9px}.topic-box-icon{color:#e87319}.topic-box h3{font-size:18px}.topic-box p{font-size:12px;color:#64778f}
/* Volle Inhaltsbreite für den Tarifcheck-Rechner verhindert gedrückte Kredit-Spalten. */
.topic-layout{display:grid;grid-template-columns:minmax(0,1fr);gap:24px;padding-top:50px;padding-bottom:70px;max-width:1320px}.article-main{min-width:0;width:100%}.article-section{border-color:#e1e7ef;padding-bottom:40px;margin-bottom:38px}.article-section h2{font-size:clamp(24px,2.35vw,32px);margin:9px 0 16px}.article-section p{color:#526b83;font-size:14px;line-height:1.78}.article-section#vergleich-starten>p:first-of-type{max-width:850px}
.widget-shell{padding:18px 18px 0;margin-top:22px;min-height:125px;border:1px solid #dce6f2;border-radius:10px;background:#fff;box-shadow:0 4px 18px #112f5408;overflow:visible}.widget-shell iframe{border:0!important;max-width:100%;min-width:0}.widget-shell [data-widget-shell]{min-width:0;overflow-x:auto}.widget-shell [data-widget-shell]>p{margin:12px 10px 16px;max-width:600px}.widget-shell [data-widget-shell]>button{margin:4px 10px 28px}.widget-shell [data-widget-shell]:has(iframe){overflow:visible}
/* Affiliate-Kennzeichnung direkt AM ENDE des jeweiligen Rechners: klein, aber lesbar. */
.widget-label{display:block;margin:14px -18px 0;padding:11px 18px;background:#f7f9fc;border-top:1px solid #e8edf5;border-radius:0 0 9px 9px;color:#758398;font-size:11px;font-weight:400;line-height:1.5}.widget-label strong{color:#485e7c;font-weight:700}.affiliate-notice{background:#f7f9fc;border-left:2px solid #d4dfed;color:#657891;font-size:11.5px!important;margin-top:16px;padding:11px 15px}.widget-pending svg{color:#1769d1}
/* Zusätzliche Vorschläge unterhalb des Rechners statt schmaler Seitenleiste. */
.topic-sidebar{position:static;display:grid;grid-template-columns:1.7fr .75fr;gap:20px}.aside-card,.aside-note{background:#fff;border:1px solid #e2e8f0;border-radius:9px;margin-top:0;padding:24px}.aside-card h3,.aside-note h3{font-size:20px}.aside-card>p,.aside-note p{font-size:12px;color:#718096}.aside-card{display:grid;grid-template-columns:repeat(3,1fr);gap:0 22px;align-content:start}.aside-card h3,.aside-card>p{grid-column:1/-1}.aside-card a{font-size:12px;border-bottom:1px solid #e9eef5;justify-content:flex-start;padding:13px 0}.aside-card a svg:first-child{color:#176bd2}.aside-note{background:#f4f8ff}.aside-note>svg{color:#1568d8}
.editorial-list li::marker{color:#f07b24}.faq-list details{padding:19px 0}.faq-list summary:hover{color:#1568d8}.category-header .wrap,.simple-hero .wrap{padding-top:55px;padding-bottom:55px}.category-header p,.simple-hero p{color:#556e87}.category-photo{background-color:#f2f7ff;background-image:linear-gradient(90deg,#f2f7ff 0%,#f2f7ff 55%,#f2f7ffc9 75%,#f2f7ff50 100%),url('/photo.php?bild=wohnen&v=2')}.category-photo-reisen{background-image:linear-gradient(90deg,#f2f7ff 0%,#f2f7ff 53%,#f2f7ff15 100%),url('/photo.php?bild=reisen&v=2')}.category-photo-energie{background-image:linear-gradient(90deg,#f2f7ff 0%,#f2f7ff 53%,#f2f7ff15 100%),url('/photo.php?bild=energie&v=2')}.category-photo-versicherungen{background-image:linear-gradient(90deg,#f2f7ff 0%,#f2f7ff 53%,#f2f7ff15 100%),url('/photo.php?bild=mobilitaet&v=2')}.category-photo-finanzen{background-image:linear-gradient(90deg,#f2f7ff 0%,#f2f7ff 53%,#f2f7ff15 100%),url('/photo.php?bild=finanzen&v=2')}
.legal-content a,.contact-email,.consent-check a{color:#1365cc}.form-card{background:#f8faff;border-radius:10px}.form-card label>input,.form-card label>textarea{outline-color:#1568d8}.success-box{border-color:#2471cc;background:#ebf4ff;color:#184785}
/* Hellblauer Footer statt düsterem, schwerem Abschluss */
.footer{background:#edf4fe;color:#3a526f;padding-top:56px;border-top:1px solid #ddeaf9}.footer-logo{color:#113555}.footer-brand p{color:#566e87}.footer h4{color:#193b65}.footer-top>div:not(:first-child)>a{color:#49627f}.footer a:hover{color:#166ad8}.footer-disclosure{border-top:1px solid #d9e5f4;color:#667e98}.footer-bottom{border-color:#d9e5f4;color:#7186a0}.photo-credit{border-top:1px solid #d9e5f4;color:#7488a0}.footer-logo .logo-emblem i{background:#1568d8}.footer-logo .logo-emblem i:nth-child(2){background:#f47719}
.chat-fab{background:#1668d7;border-radius:10px;box-shadow:0 9px 26px #0759ad42;bottom:25px;right:25px;padding:12px 18px}.chat-fab:hover{background:#0b4ea9}.chat-title{background:#176ad2}.chat-panel{border:1px solid #d5e3f5;border-radius:12px}.msg.visitor{background:#eaf2ff;color:#14467e}.chat-consent a{color:#1465d0}.chat-panel form button{background:#146bd4}.chat-offline input:not([type=checkbox]){border-color:#d1e0ef}
.cookie-banner{max-width:840px;width:min(840px,calc(100% - 26px));padding:17px 20px;bottom:16px;border-radius:10px;border:1px solid #d8e3f0;box-shadow:0 10px 45px #15345525;gap:24px}.cookie-copy{max-width:415px}.cookie-copy strong{font-size:13px}.cookie-copy p{font-size:11px;line-height:1.6;color:#63778f}.cookie-actions{gap:7px;min-width:300px;max-width:350px}.cookie-actions .btn.small{padding:9px 11px;font-size:11px;box-shadow:none}.cookie-actions>a{font-size:11px;color:#496a92}
/* Mobil: lesbare Menüs, großzügige Formulare, keine Horizontalüberläufe. */
@media(max-width:1100px){.header-row{gap:26px}.nav-inner{gap:2px}.nav-item>a{padding-left:11px;padding-right:11px}.hero-grid{gap:28px;grid-template-columns:minmax(0,1fr) minmax(390px,1fr)}.hero-left h1{font-size:46px}.category-tiles{grid-template-columns:repeat(3,1fr)}.topics-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:800px){.utilitybar{display:none}.header-row{height:70px}.site-header{border-bottom:1px solid #e5ebf4}.menu-toggle{display:inline-flex;margin-left:auto;padding:7px;background:#f1f6fe;border:1px solid #dae6f6;border-radius:7px}.top-search{height:42px}.main-nav{border:0;box-shadow:none}.main-nav.open{display:block;border-bottom:1px solid #e0e8f5}.nav-inner{display:block;padding-top:8px;padding-bottom:8px}.nav-item>a{font-size:14px;min-height:46px;padding:12px 10px;border-bottom:1px solid #eef2f8}.nav-item>a:after{display:none}.nav-item:hover>a{background:#eff6ff}.nav-guide{padding:14px 10px;display:flex}.mega{display:none!important}.hero-grid{grid-template-columns:1fr;padding-top:39px;padding-bottom:44px;gap:35px;min-height:0}.hero-left h1{font-size:43px}.hero-intro{font-size:16px}.hero-bottom{height:40px}.section{padding-top:55px;padding-bottom:55px}.category-tiles{grid-template-columns:repeat(3,1fr)}.topics-grid{grid-template-columns:repeat(2,1fr)}.photo-story-grid{grid-template-columns:repeat(2,1fr)}.editorial-feature{grid-template-columns:1fr}.editorial-feature-media{max-height:300px}.topic-hero-inner{grid-template-columns:1fr;gap:18px;padding-top:38px;padding-bottom:35px}.topic-box{max-width:430px}.topic-layout{display:block}.topic-sidebar{grid-template-columns:1fr 1fr;margin-top:15px}.aside-card{grid-template-columns:repeat(2,1fr)}.cookie-banner{display:block}.cookie-copy{max-width:100%}.cookie-actions{margin-top:13px;max-width:none}}
@media(max-width:540px){.wrap{padding-left:18px;padding-right:18px}.header-row{gap:14px}.logo{font-size:28px}.logo-emblem{transform:scale(.83);transform-origin:center left;width:28px}.top-search{margin-left:auto;max-width:44px;background:transparent;border:none}.top-search input,.top-search button{display:none}.top-search svg{color:#1464c7}.hero-left h1{font-size:39px}.hero-intro{font-size:15px}.hero-perks{font-size:12px}.hero-comparison{margin-left:0;margin-right:0}.selector-head{padding:22px 19px 14px}.selector-head h2{font-size:21px}.quick-tabs{padding:0 9px;overflow-x:auto}.quick-tabs button{font-size:11px;padding:13px 9px}.quick-form{padding:20px}.quick-form select{font-size:13px}.selector-foot{padding:13px 17px}.hero-bottom{font-size:9px}.section-lead h2{font-size:29px}.category-tiles{grid-template-columns:repeat(2,1fr);gap:10px}.category-tile,.category-tile.dark{padding:16px 15px;min-height:168px}.category-tile strong{font-size:15px}.category-tile small{font-size:11px}.topics-grid{grid-template-columns:1fr}.topic-card{min-height:170px}.photo-story-grid{grid-template-columns:1fr}.photo-story-image{height:230px}.editorial-feature-content{padding:27px}.editorial-block{display:block}.insight-grid{grid-template-columns:1fr}.topic-layout{padding-top:28px}.topic-sidebar{grid-template-columns:1fr}.aside-card{display:block}.topic-hero h1{font-size:35px}.article-section h2{font-size:25px}.article-section p{font-size:13px}.widget-shell{padding:8px 8px 0}.widget-label{margin:14px -8px 0;padding:10px 9px;font-size:10.5px}.footer-top{grid-template-columns:1fr 1fr;gap:24px}.footer-brand{grid-column:1/-1}.chat-fab{bottom:16px;right:16px}.cookie-banner{bottom:8px;padding:14px}.cookie-actions .btn.small{font-size:10px;padding:9px}.cookie-copy p{font-size:10.5px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important}}
@media(max-width:800px){.main-nav.open .nav-guide{display:flex!important}}
/* Dezenter fotografischer Akzent im Startbereich – Texte und Formular bleiben kontrastreich. */
@media(min-width:801px){.hero:after{content:"";display:block;pointer-events:none;position:absolute;inset:0 0 0 auto;width:49%;background:linear-gradient(90deg,#f6f9ff 0%,#f6f9ff45 45%,#f6f9ff88 100%),url('/photo.php?bild=finanzen&v=2') center 37%/cover no-repeat;opacity:.20}.hero-grid,.hero-bottom{z-index:1}}