:root{--navy:#0c304b;--ink:#12344c;--muted:#526d7f;--gold:#e7c374;--pale:#eef6fa;--line:#dbe7ed;--serif:Georgia,'Times New Roman',serif}*{box-sizing:border-box}body{margin:0;color:var(--ink);font-family:'Segoe UI',Arial,sans-serif;line-height:1.65;background:#fff}a{color:inherit}.wrap{width:min(1120px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:20}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1}.brand strong{font-family:var(--serif);font-size:28px}.brand span{font-size:9px;letter-spacing:2px;margin-top:7px}.brand-dot{display:inline!important;color:#b88a35;font-size:inherit!important;letter-spacing:0!important;margin:0!important}.nav nav{display:flex;gap:25px}.nav nav a{text-decoration:none;font-size:14px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:11px 19px;border-radius:4px;text-decoration:none;font-weight:700}.button.gold{background:var(--gold);color:#092d47}.button.navy{background:var(--navy);color:#fff}.page-hero{background:linear-gradient(115deg,#0a304b,#174f6b);color:#fff;padding:72px 0 65px}.breadcrumbs{font-size:13px;color:#c8dbe5;margin-bottom:23px}.breadcrumbs a{color:#dceaf1}.eyebrow{display:block;color:#d9b763;font-size:11px;font-weight:800;letter-spacing:1.8px;margin-bottom:14px}.page-hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(42px,5vw,64px);line-height:1.06;max-width:820px;margin:0}.lead{font-size:19px;max-width:800px;color:#d9e6ed;margin:24px 0 0}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.hero-actions .outline{border:1px solid #bfd2dc;color:#fff}.facts{margin-top:-28px;position:relative;z-index:2}.facts-grid{display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border:1px solid var(--line);border-radius:9px;box-shadow:0 18px 40px #062a4316;overflow:hidden}.facts-grid div{padding:23px 25px}.facts-grid div+div{border-left:1px solid var(--line)}.facts-grid strong{display:block;font-size:13px}.facts-grid span{display:block;color:var(--muted);font-size:14px;margin-top:4px}.content{padding:70px 0}.content-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(280px,.65fr);gap:70px}.article h2{font-family:var(--serif);font-size:34px;font-weight:500;line-height:1.2;margin:46px 0 14px}.article h2:first-child{margin-top:0}.article h3{font-size:18px;margin:26px 0 8px}.article p{color:#3d596c}.checklist{padding:0;list-style:none}.checklist li{position:relative;padding:10px 0 10px 29px;border-bottom:1px solid var(--line)}.checklist li:before{content:'✓';position:absolute;left:3px;color:#aa7d29;font-weight:800}.side-card{background:var(--pale);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:27px;position:sticky;top:110px}.side-card h2{font-family:var(--serif);font-size:27px;font-weight:500;margin:0}.side-card p{color:var(--muted)}.side-card .button{width:100%;margin-top:10px}.faq{background:#f4f8fa;padding:65px 0}.faq h2{font-family:var(--serif);font-size:38px;font-weight:500}.faq details{border-top:1px solid var(--line);max-width:900px}.faq details:last-of-type{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:700;padding:18px 0}.faq details p{margin:0 0 20px;color:var(--muted)}.source-note{font-size:13px;color:var(--muted);margin-top:30px}.cta{background:#0b304b;color:#fff;padding:48px 0}.cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:35px}.cta h2{font-family:var(--serif);font-size:34px;font-weight:500;margin:0}.cta p{color:#c7d8e1;margin:7px 0 0}.site-footer{padding:34px 0}.site-footer .wrap{display:flex;flex-wrap:wrap;gap:17px 28px;align-items:center}.site-footer a{font-size:13px}.site-footer small{width:100%;border-top:1px solid var(--line);padding-top:15px;color:var(--muted)}@media(max-width:800px){.wrap{width:calc(100% - 36px)}.nav{height:auto;padding:18px 0;align-items:flex-start}.nav nav{display:none}.brand strong{font-size:24px}.page-hero{padding:48px 0 62px}.facts-grid{grid-template-columns:1fr}.facts-grid div+div{border-left:0;border-top:1px solid var(--line)}.content{padding:48px 0}.content-grid{grid-template-columns:1fr;gap:38px}.side-card{position:static}.article h2{font-size:30px}.faq{padding:45px 0}.faq h2{font-size:32px}.cta .wrap{align-items:flex-start;flex-direction:column}.cta .button{width:100%}.site-footer .wrap{flex-direction:column;align-items:flex-start}.site-footer small{width:100%}}


/* wohnen-choice-v1 */
.home-choice{padding:72px 0 10px;background:#fff}.home-choice h2{font-family:var(--serif);font-size:clamp(34px,4vw,48px);font-weight:500;line-height:1.15;margin:0}.choice-lead{color:var(--muted);font-size:18px;margin:12px 0 28px}.choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.choice-card{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:20px;padding:28px;border:1px solid var(--line);border-radius:10px;text-decoration:none;background:#f8fbfc;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}.choice-card:hover,.choice-card:focus-visible{transform:translateY(-3px);box-shadow:0 16px 34px #062a4317;border-color:#c5a456}.choice-icon{display:grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;font-size:26px}.choice-card strong{display:block;font-family:var(--serif);font-size:25px;font-weight:500;line-height:1.2}.choice-card small{display:block;color:var(--muted);font-size:14px;line-height:1.5;margin-top:7px}.choice-arrow{font-size:24px;color:#a57929}.article section[id]{scroll-margin-top:105px}.article section[id]{padding:4px 0 6px}.article section[id] h2{color:#0c304b}
@media(max-width:800px){.home-choice{padding:52px 0 0}.choice-grid{grid-template-columns:1fr}.choice-card{grid-template-columns:auto 1fr;padding:22px}.choice-arrow{display:none}}

/* Category and subcategory overview for Vorsorge and Unternehmen. */
.subcategory-overview{padding:72px 0 12px;background:#fff}.subcategory-overview h2{font-family:var(--serif);font-size:clamp(34px,4vw,48px);font-weight:500;line-height:1.15;margin:0}.subcategory-lead{max-width:820px;color:var(--muted);font-size:18px;margin:12px 0 30px}.subcategory-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.subcategory-grid.five{grid-template-columns:repeat(6,minmax(0,1fr))}.subcategory-grid.five .subcategory-card{grid-column:span 2}.subcategory-grid.five .subcategory-card:nth-child(4){grid-column:2/span 2}.subcategory-card{display:flex;flex-direction:column;min-height:100%;padding:28px;border:1px solid var(--line);border-radius:11px;background:#f8fbfc;box-shadow:0 12px 28px #062a430b}.subcategory-card h3{font-family:var(--serif);font-size:25px;font-weight:500;line-height:1.2;margin:0 0 9px}.subcategory-card>p{color:var(--muted);font-size:14px;margin:0 0 16px}.subcategory-links{display:grid;gap:0;margin-top:auto}.subcategory-links a{position:relative;padding:10px 28px 10px 0;border-top:1px solid var(--line);color:var(--ink);font-size:14px;font-weight:700;text-decoration:none}.subcategory-links a:after{content:'\2192';position:absolute;right:2px;color:#a57929}.subcategory-links a:hover,.subcategory-links a:focus-visible{color:#9a6f21;text-decoration:underline;text-underline-offset:3px}.article section[id]{scroll-margin-top:150px}.product-subgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:18px 0 24px}.product-subcard{padding:20px;border:1px solid var(--line);border-radius:8px;background:#f8fbfc}.product-subcard h3{font-family:var(--serif);font-size:20px;font-weight:500;line-height:1.25;margin:0 0 7px}.product-subcard p{font-size:14px;line-height:1.55;margin:0}.product-subcard a{display:inline-block;margin-top:10px;font-size:13px;font-weight:800;color:#8c641d;text-underline-offset:3px}
@media(max-width:1000px){.subcategory-grid.five{grid-template-columns:repeat(2,minmax(0,1fr))}.subcategory-grid.five .subcategory-card,.subcategory-grid.five .subcategory-card:nth-child(4){grid-column:auto}}
@media(max-width:800px){.subcategory-overview{padding:52px 0 0}.subcategory-grid,.subcategory-grid.five,.product-subgrid{grid-template-columns:1fr}.subcategory-card{padding:22px}.subcategory-grid.five .subcategory-card,.subcategory-grid.five .subcategory-card:nth-child(4){grid-column:auto}}

html[data-theme-mode="evening"] .subcategory-overview{background:#f8f3e9}html[data-theme-mode="evening"] .subcategory-card,html[data-theme-mode="evening"] .product-subcard{background:#fffaf2}
html[data-theme-mode="night"] .subcategory-overview{background:#071722;color:#eaf1f4}html[data-theme-mode="night"] .subcategory-card,html[data-theme-mode="night"] .product-subcard{background:#0d2636;color:#eaf1f4;border-color:#3a5666}html[data-theme-mode="night"] .subcategory-card h3,html[data-theme-mode="night"] .product-subcard h3,html[data-theme-mode="night"] .subcategory-links a{color:#eaf1f4}html[data-theme-mode="night"] .subcategory-card>p,html[data-theme-mode="night"] .product-subcard p,html[data-theme-mode="night"] .subcategory-lead{color:#afc2cd}html[data-theme-mode="night"] .subcategory-links a{border-color:#3a5666}html[data-theme-mode="night"] .subcategory-links a:hover,html[data-theme-mode="night"] .subcategory-links a:focus-visible,html[data-theme-mode="night"] .product-subcard a{color:#f0ca78}

/* Cross-product navigation: available from every product detail page. */
.product-nav{background:#0c304b;border-top:1px solid #ffffff1f;color:#fff}
.product-nav-track{display:flex;align-items:stretch;justify-content:center;gap:2px;overflow-x:auto;overscroll-behavior-inline:contain;scrollbar-width:thin;scrollbar-color:#e7c374 #0c304b}
.product-nav a{position:relative;display:flex;align-items:center;justify-content:center;min-height:48px;padding:10px 15px;color:#e9f1f5;text-decoration:none;white-space:nowrap;font-size:13px;font-weight:700;border-radius:3px 3px 0 0;transition:background .2s,color .2s}
.product-nav a:hover,.product-nav a:focus-visible{background:#ffffff16;color:#fff;outline:none}
.product-nav a.active{background:#ffffff12;color:#fff}
.product-nav a.active:after{content:"";position:absolute;left:14px;right:14px;bottom:0;height:3px;background:#e7c374;border-radius:3px 3px 0 0}
@media(max-width:1000px){.product-nav-track{justify-content:flex-start}.product-nav a{padding-inline:13px}}
@media(max-width:800px){header{position:sticky}.product-nav{margin-inline:0}.product-nav-track{width:100%;padding-inline:14px}.product-nav a{min-height:45px;font-size:12px}.product-nav a:first-child{margin-left:auto}.product-nav a:last-child{margin-right:auto}}
@media(max-width:560px){.product-nav a:first-child{margin-left:0}.product-nav a:last-child{margin-right:0}}

/* Automatic day, evening and night presentation */
.theme-mode{position:relative;flex:0 0 auto}.theme-mode-trigger{display:inline-flex;align-items:center;gap:8px;min-height:38px;padding:7px 11px;border:1px solid #cfdae0;border-radius:999px;background:#fff;color:#17384f;font-size:12px;font-weight:700;white-space:nowrap;box-shadow:0 4px 14px #082d4510}.theme-mode-icon{display:grid;place-items:center;width:21px;height:21px;border-radius:50%;background:#eef5f8;color:#ad7f2c;font-size:14px}.theme-mode-chevron{font-size:14px;color:#6d8290}.theme-mode-popover{position:absolute;z-index:60;top:calc(100% + 12px);right:0;width:286px;padding:18px;border:1px solid #d7e2e7;border-radius:13px;background:#fff;color:#17384f;box-shadow:0 22px 55px #092d4740}.theme-mode-popover[hidden]{display:none}.theme-mode-popover>strong{display:block;font-family:var(--serif);font-size:20px;font-weight:500}.theme-mode-popover>p{margin:5px 0 13px;color:#617785;font-size:12px;line-height:1.45}.theme-mode-options{display:grid;gap:4px}.theme-mode-options button{display:flex;align-items:center;justify-content:space-between;gap:18px;width:100%;padding:9px 10px;border:0;border-radius:7px;background:transparent;color:inherit;text-align:left;font-size:13px}.theme-mode-options button:hover,.theme-mode-options button:focus-visible{background:#eef5f8;outline:2px solid #b88934;outline-offset:1px}.theme-mode-options button[aria-pressed="true"]{background:#eaf3f7;color:#8e671f;font-weight:800}.theme-mode-options small{color:#718691;font-size:11px;font-weight:500}.theme-mode-options button[aria-pressed="true"] small{color:#8e671f}
html[data-theme-mode="evening"] body{background:#f8f3e9;color:#17384f}html[data-theme-mode="evening"] header{background:#fffaf1;border-color:#e3d7c1}html[data-theme-mode="evening"] .theme-mode-trigger{background:#fffaf1;border-color:#dac8a8}html[data-theme-mode="evening"] .theme-mode-icon{background:#f3e3c5}html[data-theme-mode="evening"] .local-facts,html[data-theme-mode="evening"] .solutions,html[data-theme-mode="evening"] .registration,html[data-theme-mode="evening"] .faq,html[data-theme-mode="evening"] .content,html[data-theme-mode="evening"] .site-footer{background:#f8f3e9}html[data-theme-mode="evening"] .local-facts-grid>div,html[data-theme-mode="evening"] .facts-grid,html[data-theme-mode="evening"] .facts-grid>div,html[data-theme-mode="evening"] .side-card,html[data-theme-mode="evening"] details{background:#fffaf2}
html[data-theme-mode="night"] body{--ink:#eaf1f4;--muted:#afc2cd;--line:#294455;--pale:#102a3a;background:#071722;color:#eaf1f4}html[data-theme-mode="night"] header{background:#091e2b;border-color:#294455}html[data-theme-mode="night"] .brand,html[data-theme-mode="night"] .nav nav a{color:#edf4f7}html[data-theme-mode="night"] .theme-mode-trigger{background:#102a3a;border-color:#3a5666;color:#edf4f7;box-shadow:none}html[data-theme-mode="night"] .theme-mode-icon{background:#17384a;color:#f0ca78}html[data-theme-mode="night"] .theme-mode-chevron{color:#afc2cd}html[data-theme-mode="night"] .theme-mode-popover{background:#0d2636;border-color:#3a5666;color:#edf4f7}html[data-theme-mode="night"] .theme-mode-popover>p,html[data-theme-mode="night"] .theme-mode-options small{color:#afc2cd}html[data-theme-mode="night"] .theme-mode-options button:hover,html[data-theme-mode="night"] .theme-mode-options button:focus-visible,html[data-theme-mode="night"] .theme-mode-options button[aria-pressed="true"]{background:#17384a;color:#f0ca78}html[data-theme-mode="night"] .local-facts,html[data-theme-mode="night"] .solutions,html[data-theme-mode="night"] .registration,html[data-theme-mode="night"] .faq,html[data-theme-mode="night"] .content,html[data-theme-mode="night"] .site-footer,html[data-theme-mode="night"] .life-cover,html[data-theme-mode="night"] .health-detail{background:#071722;color:#eaf1f4}html[data-theme-mode="night"] .local-facts-grid>div,html[data-theme-mode="night"] .facts-grid,html[data-theme-mode="night"] .facts-grid>div,html[data-theme-mode="night"] .side-card,html[data-theme-mode="night"] .registration-hours,html[data-theme-mode="night"] .dental-plans article,html[data-theme-mode="night"] .life-cover-trust>div,html[data-theme-mode="night"] .life-cover-audience-grid article{background:#0d2636;color:#eaf1f4}html[data-theme-mode="night"] .article p,html[data-theme-mode="night"] .faq details p,html[data-theme-mode="night"] .source-note,html[data-theme-mode="night"] .facts-grid span,html[data-theme-mode="night"] .side-card p,html[data-theme-mode="night"] .local-facts-grid span,html[data-theme-mode="night"] .local-facts-grid a{color:#afc2cd}html[data-theme-mode="night"] .faq{background:#0a1f2c}html[data-theme-mode="night"] .site-footer a,html[data-theme-mode="night"] .site-footer span,html[data-theme-mode="night"] footer a,html[data-theme-mode="night"] footer span{color:#dbe7ed}

/* Complete contrast coverage for product pages in night mode. */
html[data-theme-mode="night"] .skip,
html[data-theme-mode="night"] .home-choice{
  background:#071722;
  color:#eaf1f4;
}

html[data-theme-mode="night"] .choice-card,
html[data-theme-mode="night"] .facts-grid,
html[data-theme-mode="night"] .facts-grid>div,
html[data-theme-mode="night"] .side-card,
html[data-theme-mode="night"] .faq details{
  background:#0d2636;
  color:#eaf1f4;
  border-color:#3a5666;
}

html[data-theme-mode="night"] .article section[id] h2,
html[data-theme-mode="night"] .article h2,
html[data-theme-mode="night"] .article h3,
html[data-theme-mode="night"] .choice-card strong{
  color:#eaf1f4;
}

html[data-theme-mode="night"] .choice-lead,
html[data-theme-mode="night"] .choice-card small,
html[data-theme-mode="night"] .article p,
html[data-theme-mode="night"] .side-card p,
html[data-theme-mode="night"] .faq details p,
html[data-theme-mode="night"] .source-note{
  color:#afc2cd;
}

html[data-theme-mode="night"] .button.gold{
  color:#082e49!important;
}

html[data-theme-mode="night"] .button.navy{
  background:#17384a;
  color:#edf4f7;
  border:1px solid #486474;
}

html[data-theme-mode="night"] .hero-actions .outline{
  color:#fff;
  border-color:#bfd2dc;
}

html[data-theme-mode="day"] .theme-mode-icon,
html[data-theme-mode="evening"] .theme-mode-icon{
  color:#765316;
}

html[data-theme-mode="day"] .content .eyebrow,
html[data-theme-mode="evening"] .content .eyebrow,
html[data-theme-mode="day"] .faq .eyebrow,
html[data-theme-mode="evening"] .faq .eyebrow,
html[data-theme-mode="day"] .home-choice .eyebrow,
html[data-theme-mode="evening"] .home-choice .eyebrow{
  color:#765316;
}
@media(max-width:1050px){.theme-mode-label,.theme-mode-chevron{display:none}.theme-mode-trigger{padding:7px}.nav{gap:14px}}@media(max-width:800px){.theme-mode{margin-left:auto}.theme-mode-popover{position:fixed;left:18px;right:18px;top:82px;width:auto}.nav-cta{display:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Night mode: the header consultation action remains prominent, not disabled-looking. */
html[data-theme-mode="night"] .nav-cta{
  background:linear-gradient(115deg,#efd89c,#dfb563);
  color:#082e49!important;
  border:1px solid #e7c575;
  box-shadow:0 5px 16px #00000024;
}
html[data-theme-mode="night"] .nav-cta:hover,
html[data-theme-mode="night"] .nav-cta:focus-visible{
  background:linear-gradient(115deg,#e6c77f,#d8aa51);
  color:#06283f!important;
  border-color:#f1d493;
}