:root{--ink:#272e35;--muted:#535f68;--blue:#00649b;--nav:#163a54;--light:#f0f4f6;--line:#ccd5dc}*{box-sizing:border-box}html{scroll-padding-top:24px}body{margin:0;background:white;color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:var(--blue);text-underline-offset:4px}a:hover{text-decoration:none}button,input{font:inherit}button{cursor:pointer}img{display:block;max-width:100%;object-fit:cover}.wrap{width:min(1180px,calc(100% - 64px));margin-inline:auto}.preview{background:#e9edf0;color:#4b5660;text-align:center;padding:5px 15px;font-size:11px}.header-inner{display:flex;justify-content:space-between;align-items:center;padding-block:27px}.brand{text-decoration:none;color:#17394e;line-height:1.25}.brand strong{font-size:30px;letter-spacing:-1px;display:block}.brand span{font-size:12px;letter-spacing:2.4px;display:block;margin-top:7px}.header-location{font-size:12px;line-height:1.65;text-align:right;color:var(--muted)}.header-location b{font-weight:400;font-size:11px}nav{background:var(--nav)}.nav-inner{display:flex;align-items:stretch}nav a{color:white;text-decoration:none;font-size:14px;padding:14px 23px;border-right:1px solid #ffffff19}nav a:first-child{padding-left:0;padding-right:26px}nav a:hover{background:#24526e}nav .nav-contact{margin-left:auto;background:var(--blue);min-width:130px;text-align:center;border:0}.menu-toggle{display:none}.hero{display:grid;grid-template-columns:1fr 1fr;background:var(--light);margin-top:28px;min-height:475px}.hero-copy{padding:42px 48px 38px}.eyebrow{font-size:11px;font-weight:700;letter-spacing:1px;color:var(--blue);margin:0 0 17px}h1,h2,h3{line-height:1.2;margin:0;color:#1e3e53}h1{font-size:60px;letter-spacing:-2px;font-weight:700}h2{font-size:28px;letter-spacing:-.5px;font-weight:600}h3{font-size:20px;font-weight:600}p{margin:0 0 20px}.hero .intro{font-size:24px;color:#344956;margin:13px 0 20px}.hero-copy>p:not(.intro):not(.eyebrow){font-size:15px;line-height:1.75;max-width:450px}.button{display:inline-block;padding:12px 24px;background:var(--blue);border:1px solid var(--blue);border-radius:3px;color:white;font-weight:600;font-size:14px;text-decoration:none}.button:hover{background:#004e79;border-color:#004e79}.hero-photo{min-height:475px;overflow:hidden}.hero-photo img{height:100%;width:100%;object-position:50% 38%}.location-bar{display:flex;justify-content:space-between;gap:20px;padding-block:16px;border-bottom:1px solid var(--line);font-size:12px}.location-bar>span:first-child{font-weight:700}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:65px;padding-top:56px}.services>.section-intro{font-size:15px;color:var(--muted);margin:17px 0 30px;max-width:650px}.service-row{display:grid;grid-template-columns:180px 1fr;gap:25px;border-top:1px solid var(--line);padding:26px 0}.service-row h3{font-size:17px;margin-top:3px}.service-row h3 a{color:var(--ink);text-decoration:none}.service-row p{font-size:14px;color:var(--muted);margin-bottom:11px}.read-more{font-size:13px}.adviser{background:var(--light);align-self:start}.adviser>img{width:100%;height:235px;object-position:50% 29%}.adviser-copy{padding:25px}.adviser h2{font-size:13px;color:var(--muted);font-weight:400;margin-bottom:8px}.adviser h3{font-size:20px;margin-bottom:17px}.adviser p{font-size:13px;margin-bottom:16px}.adviser .registration{font-size:11px;border-top:1px solid var(--line);padding-top:15px}.adviser a{font-size:12px}.preparation{display:grid;grid-template-columns:285px 1fr;gap:65px;border-top:2px solid var(--nav);margin-top:48px;padding:32px 0 48px}.preparation h2{font-size:23px}.preparation p,.preparation li{font-size:14px;color:var(--muted)}ul{padding-left:20px}.preparation li{margin-block:5px}.section{padding-block:50px}.calculator{background:var(--light);border-block:1px solid #dae2e7}.calculator-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:75px;align-items:start}.calculator h2{margin-bottom:20px}.calculator p{font-size:14px;color:var(--muted)}.calc-note{font-size:12px!important;margin-top:24px}.calc-card{border:1px solid #c4d0d8;background:white;padding:25px}label{display:block;font-size:12px;font-weight:600;margin-bottom:6px}label span{font-size:11px;font-weight:400;color:var(--muted);margin-left:3px}input{font-size:20px;border:1px solid #98aab7;padding:9px 12px;border-radius:2px;color:var(--ink);background:white;width:100%}.calc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:16px}.calc-result{display:grid;grid-template-columns:1fr auto;align-items:center;border-top:1px solid var(--line);margin-top:24px;padding-top:18px}.calc-result>span{font-size:13px;max-width:150px}.calc-result output{font-size:35px;font-weight:700;color:var(--blue)}#calc-explanation{grid-column:1/-1;font-size:11px;color:var(--muted);margin-top:8px}.fine{font-size:11px!important;color:var(--muted);line-height:1.6;margin:18px 0 0}.faq{display:grid;grid-template-columns:285px 1fr;gap:65px}.faq .eyebrow{display:none}.faq h2{font-size:25px}details{border-bottom:1px solid var(--line)}details:first-child{border-top:1px solid var(--line)}summary{list-style:none;cursor:pointer;padding:16px 30px 16px 0;font-size:15px;position:relative}summary::-webkit-details-marker{display:none}summary span{position:absolute;right:5px;font-size:22px;top:9px;color:var(--blue)}details[open] summary span{transform:rotate(45deg)}details p{font-size:14px;color:var(--muted);padding-right:20px}.contact{background:#edf2f5;border-top:1px solid var(--line);padding-block:45px}.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:75px}.contact h2{font-size:28px;max-width:370px;margin-bottom:20px}.contact p{font-size:14px;color:var(--muted)}.contact-card{border-left:1px solid #bfccd4;padding-left:30px}.availability{font-size:10px;color:var(--muted)}.contact-card h3{margin-top:14px;font-size:20px}.choices{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0}.choices button{padding:8px 11px;border:1px solid #829aab;border-radius:3px;background:white;font-size:12px;color:var(--ink)}.choices button[aria-pressed=true]{background:var(--nav);border-color:var(--nav);color:white}#contact-feedback{font-size:12px;min-height:58px;margin-top:15px}footer{padding-top:32px;padding-bottom:20px}.footer-main{display:flex;justify-content:space-between;gap:20px;padding-bottom:27px}.footer-main strong{display:block;font-size:20px;color:var(--nav)}.footer-main span,.footer-main p{font-size:12px;color:var(--muted);margin:0}.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);padding-top:16px;font-size:11px;color:var(--muted)}.footer-bottom div{display:flex;gap:20px}.footer-bottom a{color:var(--muted)}.subpage{max-width:850px}.subpage h1{font-size:42px;letter-spacing:-1px;margin-bottom:30px}.subpage h2{font-size:25px;margin:32px 0 18px}.subpage p,.subpage li{font-size:16px;color:var(--muted)}.subpage .lead{font-size:19px}.subpage .back{font-size:13px}.subpage .button{margin-top:20px}.draft-notice{padding:18px;background:var(--light);border-left:3px solid var(--blue);font-size:14px;margin-bottom:25px}.skip{position:absolute;top:-60px;left:10px;background:white;padding:10px;z-index:20}.skip:focus{top:10px}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #e7a531;outline-offset:4px}@media(max-width:1000px){.wrap{width:calc(100% - 48px)}nav a{padding:12px 14px;font-size:13px}.hero-copy{padding:32px}.hero h1{font-size:48px}.hero .intro{font-size:23px}.content-layout{gap:35px;grid-template-columns:minmax(0,1fr) 245px}.service-row{grid-template-columns:1fr;gap:12px}.adviser-copy{padding:20px}.calculator-grid,.contact-grid{gap:35px}.preparation,.faq{gap:35px;grid-template-columns:245px 1fr}}@media(max-width:700px){.wrap{width:calc(100% - 36px)}.header-inner{padding-block:20px}.brand strong{font-size:25px}.brand span{font-size:9px;letter-spacing:1.8px}.header-location{display:none}.menu-toggle{display:block;border:1px solid #91a4b1;border-radius:3px;background:white;color:var(--nav);padding:7px 12px;font-size:13px}nav{display:none}nav.open{display:block}.nav-inner{display:flex;flex-direction:column;width:100%}nav a,nav a:first-child{padding:12px 20px;border-bottom:1px solid #ffffff26;border-right:0}nav .nav-contact{margin:0;text-align:left}.hero{grid-template-columns:1fr;margin-top:18px}.hero-copy{padding:27px 25px}.hero h1{font-size:45px;line-height:1.05;letter-spacing:-1px}.hero h1 br{display:none}.hero .intro{font-size:22px;margin-top:12px}.hero-photo{height:320px;min-height:0}.hero-photo img{object-position:50% 32%}.hero-copy>p:not(.intro):not(.eyebrow){font-size:14px}.location-bar{display:block;font-size:11px;padding-block:13px}.location-bar span{display:block}.location-bar a{display:inline-block;margin-top:5px}.content-layout{display:block;padding-top:32px}h2{font-size:25px}.services>.section-intro{font-size:14px;margin-bottom:20px}.service-row{padding-block:21px;gap:9px}.service-row h3{font-size:19px}.adviser{margin-top:20px;display:grid;grid-template-columns:110px 1fr;align-items:start}.adviser>img{height:150px}.adviser-copy{padding:18px}.adviser h3{font-size:18px}.adviser p{font-size:12px}.preparation{grid-template-columns:1fr;gap:16px;margin-top:30px;padding-block:25px 30px}.preparation h2{font-size:23px}.preparation p{margin-bottom:12px}.section{padding-block:35px}.calculator-grid,.faq,.contact-grid{grid-template-columns:1fr;gap:22px}.calculator h2{font-size:25px}.calc-note{margin:17px 0 0}.calc-card{padding:20px}.calc-inputs{gap:12px}.calc-inputs label{font-size:11px}.calc-inputs label span{display:block;margin:0}.calc-result output{font-size:31px}.faq h2{font-size:25px}summary{font-size:14px}.contact{padding-block:32px}.contact h2{font-size:25px}.contact-card{padding-left:0;border-left:0;border-top:1px solid var(--line);padding-top:20px}.footer-main{flex-wrap:wrap;gap:18px}.footer-main>div{width:100%}.footer-bottom{flex-direction:column;gap:10px}.footer-bottom div{gap:12px;flex-wrap:wrap}.subpage h1{font-size:34px}.subpage h2{font-size:23px}.subpage p,.subpage li{font-size:15px}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}
.hero-copy,.hero-photo{min-width:0}@media(max-width:700px){.hero h1 br{display:block}.hero h1{font-size:43px}.hero-photo img{width:100%}}
/* Version 3: property photography and architectural identity. */
:root{--blue:#14628d;--light:#f3f5f4;--brass:#a77836}.brand-v3 img{width:355px;height:auto}.header-inner{padding-block:20px}.brand-v3{display:block}nav{border-bottom:3px solid var(--brass)}.hero{grid-template-columns:.9fr 1.15fr;min-height:490px;background:#f3f5f4}.hero-copy{padding:36px 36px 27px}.hero h1{font-size:54px}.hero .intro{font-size:22px}.hero-photo{margin:0;position:relative;min-height:490px}.hero-photo>img{height:100%;object-position:48% center}.hero-photo figcaption{position:absolute;left:0;bottom:0;background:#163a54ed;color:white;padding:13px 23px;font-size:16px;border-left:5px solid var(--brass)}.hero-person{display:flex;gap:12px;align-items:center;border-top:1px solid #d5ddd9;margin-top:26px;padding-top:18px}.hero-person img{width:52px;height:59px;object-position:50% 25%;flex-shrink:0}.hero-person p{margin:0;font-size:11px;line-height:1.5}.hero-person strong{display:block;font-weight:600}.hero-person span{display:block;color:var(--muted);margin-top:2px}.eyebrow{color:#7b592b}.location-bar{border-bottom-color:#c7ad86}.adviser{border-top:4px solid var(--brass);background:#f3f5f4}.service-row h3 a:hover{color:var(--blue)}.service-row{border-top-color:#d4ddd9}.preparation{grid-template-columns:1.08fr 1fr;gap:42px;margin-top:45px;padding:0 0 45px;border:0;align-items:center}.living-photo{margin:0}.living-photo img{width:100%;height:330px}.living-photo figcaption{font-size:10px;color:var(--muted);padding-top:8px}.preparation-copy h2{font-size:29px;margin-bottom:18px}.preparation-copy .eyebrow{font-size:10px;color:#7b592b}.preparation-copy ul{margin-bottom:20px}.calculator{border-top:3px solid #b99d71}.footer-brand img{width:295px;height:auto}.topic-photo{margin:0 0 30px}.topic-photo img{width:100%;height:300px}.topic-photo figcaption{font-size:11px;color:var(--muted);margin-top:5px}.button{transition:background .15s}.button:hover{background:#17425d}.contact{background:#eef2ef}@media(max-width:1000px){.hero-copy{padding:28px}.hero h1{font-size:46px}.hero-photo{min-height:480px}.brand-v3 img{width:320px}.hero-person strong{font-size:10px}.preparation{gap:30px}}@media(max-width:700px){.brand-v3 img{width:260px;max-width:100%}.brand-v3{max-width:calc(100% - 72px)}.hero{display:flex;flex-direction:column;min-height:0}.hero-copy{padding:27px 25px}.hero h1{font-size:43px}.hero-photo{height:270px;min-height:0}.hero-photo>img{object-position:center 44%;height:270px}.hero-photo figcaption{font-size:13px;padding:9px 16px}.hero-person{margin-top:23px;padding-top:16px}.hero-person strong{font-size:11px}.preparation{display:flex;flex-direction:column;gap:24px;margin-top:32px;padding-bottom:30px}.living-photo{width:100%}.living-photo img{height:240px}.preparation-copy h2{font-size:25px}.footer-brand img{width:275px}.topic-photo img{height:230px}}@media(prefers-reduced-motion:reduce){.button{transition:none}}

/* AP Finanz identity and personal profile */
.brand-v3 img{width:350px}.footer-brand img{width:295px}.header-inner{padding-block:8px}.experience{display:grid;grid-template-columns:1fr 1.6fr;gap:60px;border-top:1px solid var(--line);padding-block:40px;margin-top:40px}.experience h2{font-size:28px}.experience p,.network p{font-size:14px;color:var(--muted)}.experience .eyebrow,.network .eyebrow{font-size:10px;color:#7b592b}.network{display:grid;grid-template-columns:1fr 1fr;gap:50px;padding-block:10px 48px}.network h2{font-size:25px;margin-bottom:20px}.insurance{border-left:1px solid var(--line);padding-left:35px}.network .fine{margin-top:5px}.calc-result [hidden]{display:none}@media(max-width:700px){.brand-v3 img{width:260px}.experience,.network{grid-template-columns:1fr;gap:20px}.experience{margin-top:28px;padding-block:28px}.experience h2{font-size:25px}.network{padding-bottom:30px;gap:28px}.insurance{border-left:0;border-top:1px solid var(--line);padding-left:0;padding-top:25px}}

.newbuild{display:grid;grid-template-columns:1.15fr 1fr;gap:50px;margin-top:40px;padding:35px;background:#f3f5f4;border-top:3px solid var(--brass)}.newbuild h2{font-size:29px;margin-bottom:20px}.newbuild h3{font-size:21px;margin-bottom:20px}.newbuild p{font-size:14px;color:var(--muted)}.newbuild .eyebrow{font-size:10px;color:#7b592b}.newbuild-detail{border-left:1px solid var(--line);padding-left:30px}.contact-card fieldset{border:0;margin:0;padding:0;min-width:0}.form-legend{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}.contact-card input{font-size:16px;margin-bottom:16px}.contact-card .form-note{font-size:12px;margin:15px 0 20px}.contact-card .button{margin-top:18px}#appointment-feedback{margin:18px 0 0;font-size:13px}.contact-card .fine{margin-top:0}@media(max-width:700px){.newbuild{grid-template-columns:1fr;gap:20px;padding:24px;margin-top:28px}.newbuild h2{font-size:25px}.newbuild-detail{border-left:0;border-top:1px solid var(--line);padding-left:0;padding-top:22px}}

.contact-card textarea{display:block;width:100%;font:16px/1.5 Arial,Helvetica,sans-serif;color:var(--ink);background:white;border:1px solid #98aab7;border-radius:2px;padding:9px 12px;resize:vertical;min-height:110px;margin-bottom:16px}.contact-card textarea:focus-visible{outline:3px solid #e7a531;outline-offset:4px}

.form-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.contact-card button:disabled{opacity:.65;cursor:wait}

/* Financing tools and insurance information */
.calculator-page h1,.insurance-page h1{font-size:46px;letter-spacing:-1.3px;max-width:850px}.tools-intro{max-width:800px;font-size:18px;color:var(--muted);margin:22px 0 32px}.tool-picker{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);margin:32px 0}.tool-picker button{padding:20px 24px;background:white;text-align:left;color:var(--nav);border:0;border-right:1px solid var(--line);border-bottom:4px solid transparent}.tool-picker button:last-child{border-right:0}.tool-picker strong{display:block;font-size:18px}.tool-picker span{display:block;font-size:12px;margin-top:6px}.tool-picker button[aria-pressed=true]{background:var(--light);border-bottom-color:var(--brass)}.tool-panel[hidden]{display:none}.tool-heading{margin-bottom:25px;max-width:780px}.tool-heading h2{font-size:27px;margin-bottom:12px}.tool-heading p{font-size:14px;color:var(--muted)}.tool-layout{display:grid;grid-template-columns:1.15fr 1fr;gap:45px;align-items:start}.tool-inputs{display:grid;grid-template-columns:1fr 1fr;gap:20px}.tool-inputs label{font-size:13px}.tool-inputs input,.tool-inputs select{width:100%;padding:11px;border:1px solid #98aab7;border-radius:2px;font:18px Arial;background:white;color:var(--ink)}.tool-result{background:var(--light);padding:26px;border-top:3px solid var(--brass)}.tool-result .result-label{font-size:13px;margin:0}.tool-result .result-big{font-size:38px;font-weight:bold;color:var(--nav);margin:4px 0 18px}.result-row{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);padding:10px 0;font-size:13px}.result-row b{text-align:right}.tool-result .button{margin-top:24px}.tool-error{color:#8b2525;font-size:14px;margin-top:20px}.plan-details{margin-top:24px}.plan-scroll{overflow:auto}.plan-scroll table{width:100%;border-collapse:collapse;font-size:13px;text-align:right}.plan-scroll th,.plan-scroll td{padding:11px;border-bottom:1px solid var(--line);white-space:nowrap}.plan-scroll th:first-child,.plan-scroll td:first-child{text-align:left}.tools-note{border-top:1px solid var(--line);margin-top:45px;padding-top:25px;max-width:900px}.tools-note h2{font-size:22px;margin-bottom:15px}.tools-note p{font-size:14px;color:var(--muted)}.partner-intro{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin:30px 0 45px}.partner-intro img{width:100%;height:320px}.partner-intro h2{font-size:28px;margin-bottom:20px}.partner-intro p{font-size:14px}.partner-links{display:flex;flex-wrap:wrap;gap:12px}.button.secondary{background:white;color:var(--blue)}.insurance-topic{display:grid;grid-template-columns:280px 1fr;gap:55px;border-top:1px solid var(--line);padding:30px 0}.insurance-topic h2{font-size:25px}.insurance-topic h3{font-size:19px;margin-bottom:12px}.insurance-topic p{font-size:15px;max-width:760px}.partner-disclosure{background:var(--light);padding:25px;margin:20px 0 30px}.partner-disclosure h2{font-size:23px;margin-bottom:18px}.partner-disclosure p{font-size:13px}nav a{padding-inline:16px}@media(max-width:1000px){nav a{padding-inline:10px;font-size:12px}.tool-layout{gap:25px}.tool-inputs{gap:15px}.insurance-topic{grid-template-columns:220px 1fr;gap:30px}}@media(max-width:700px){.calculator-page h1,.insurance-page h1{font-size:35px}.tools-intro{font-size:16px}.tool-picker{grid-template-columns:1fr}.tool-picker button{padding:14px 18px;border-right:0;border-bottom:1px solid var(--line);border-left:4px solid transparent}.tool-picker button[aria-pressed=true]{border-left-color:var(--brass);border-bottom-color:var(--line)}.tool-picker strong{font-size:17px}.tool-layout,.partner-intro,.insurance-topic{grid-template-columns:1fr;gap:22px}.tool-inputs{grid-template-columns:1fr 1fr;gap:15px}.tool-inputs label{font-size:11px;min-height:36px}.tool-inputs input,.tool-inputs select{font-size:16px}.tool-result{padding:22px}.tool-result .result-big{font-size:34px}.tool-heading h2{font-size:24px}.partner-intro img{height:230px}.insurance-topic{padding-block:25px}.partner-intro h2{font-size:25px}nav a,nav a:first-child{padding:12px 20px}}

/* Personal photograph in the experience section */
.experience-portrait{grid-template-columns:minmax(240px,360px) 1fr;align-items:center;gap:55px}.experience-photo{margin:0}.experience-photo img{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover}.experience-photo figcaption{font-size:12px;color:var(--muted);margin-top:12px}.experience-portrait h2{margin-bottom:22px;max-width:560px}@media(max-width:700px){.experience-portrait{grid-template-columns:1fr;gap:26px}.experience-photo{max-width:360px;width:100%;margin-inline:auto}.experience-portrait h2{margin-bottom:18px}}

/* Insurance stories with warm editorial photographs */
.insurance-story{grid-template-columns:minmax(280px,.9fr) minmax(0,1.1fr);gap:56px;align-items:center;padding:46px 0}.insurance-image{margin:0}.insurance-image img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}.insurance-image figcaption{font-size:15px;color:var(--nav);padding-top:14px}.insurance-story:nth-of-type(2) .insurance-image{grid-column:2;grid-row:1}.insurance-story:nth-of-type(2) .insurance-copy{grid-column:1;grid-row:1}.insurance-copy h2{font-size:30px;line-height:1.2;margin:0 0 25px;max-width:500px}.insurance-copy h3{font-size:18px;margin:23px 0 8px}.insurance-copy p{font-size:14px;line-height:1.7;margin:0 0 14px}.insurance-copy .construction-note{border-left:3px solid var(--brass);padding:8px 0 8px 15px;font-size:12px;color:var(--muted);margin-top:18px}.insurance-photo-note{font-size:11px;color:var(--muted);margin:0 0 24px}.partner-intro{margin-bottom:12px}@media(max-width:700px){.insurance-story{grid-template-columns:1fr;gap:25px;padding:30px 0}.insurance-story:nth-of-type(2) .insurance-image,.insurance-story:nth-of-type(2) .insurance-copy{grid-column:auto;grid-row:auto}.insurance-copy h2{font-size:27px;margin-bottom:20px}.insurance-image figcaption{font-size:14px}.insurance-copy h3{margin-top:20px}}

.adviser>img[src*="andre-am-fenster"]{object-fit:cover;object-position:66% 30%}.experience-conversation img{aspect-ratio:4/5;object-position:50% 25%}@media(max-width:700px){.experience-conversation{max-width:330px}}

/* Version 14: personal editorial homepage */
.home-modern{--paper:#f5f2eb}.home-modern .hero-personal{background:var(--paper);grid-template-columns:1.12fr 1fr;min-height:0;margin-top:36px;align-items:stretch}.home-modern .hero-copy{padding:50px 48px}.home-modern .hero h1{font-size:clamp(42px,4.3vw,62px);line-height:1.06;letter-spacing:-2px}.home-modern .hero h1 span{font-family:Georgia,serif;font-style:italic;font-weight:400;color:#80653e}.home-modern .hero .intro{font-size:20px;margin:25px 0 18px}.home-modern .hero-photo{margin:0;position:relative;min-height:0}.home-modern .hero-photo img{position:absolute;inset:0;height:100%;width:100%;object-position:50% 24%}.home-modern .hero-photo figcaption{position:absolute;inset:auto 0 0;padding:70px 30px 28px;background:linear-gradient(transparent,rgba(12,28,39,.82));color:white;font-family:Georgia,serif;font-size:28px;line-height:1.25}.hero-process-link{display:block;font-size:13px;margin-top:14px}.hero-signature{border-top:1px solid #cfc8ba;padding-top:20px;margin-top:28px}.hero-signature strong,.hero-signature span{display:block}.hero-signature strong{color:var(--nav);font-size:15px}.hero-signature span{font-size:11px;color:var(--muted);margin-top:5px}.comparison-note{display:grid;grid-template-columns:1fr 2fr;align-items:start;gap:60px;padding-block:38px;border-bottom:1px solid var(--line)}.comparison-note>p:last-child{font-size:19px;line-height:1.55;margin:0;max-width:740px}.comparison-note .eyebrow{padding-top:7px}.home-modern .content-layout{padding-block:60px}.home-modern .services>h2{font-size:35px;max-width:480px}.home-modern .service-row{padding-block:25px}.home-modern .consultation{background:var(--paper);padding:65px 0;margin:10px 0 65px}.consultation-inner{display:grid;grid-template-columns:1fr 1.3fr;gap:85px}.consultation-heading h2{font-size:37px;line-height:1.15;margin-bottom:25px}.consultation-heading>p:not(.eyebrow){font-size:15px;max-width:360px}.consultation-steps{list-style:none;margin:0;padding:0}.consultation-steps li{position:relative;display:grid;grid-template-columns:48px 1fr;gap:22px;padding-bottom:32px}.consultation-steps li:last-child{padding-bottom:0}.consultation-steps li:not(:last-child):before{content:'';position:absolute;left:23px;top:47px;bottom:0;width:1px;background:#c5c2b9}.step-number{display:grid;place-items:center;align-self:start;border:1px solid #aaa38f;border-radius:50%;height:48px;font:17px Georgia,serif;color:var(--nav);transition:background .4s,color .4s}.consultation-steps li.is-current .step-number{background:var(--nav);border-color:var(--nav);color:white}.consultation-steps h3{font-size:21px;margin:8px 0 12px}.consultation-steps p{font-size:14px;color:var(--muted);margin:0}.home-modern .newbuild{background:var(--nav);padding:48px;gap:60px;border-top:0;margin-top:0}.home-modern .newbuild h2,.home-modern .newbuild h3{color:#fff}.home-modern .newbuild h2{font-size:35px}.home-modern .newbuild p{color:#e1e7ec}.home-modern .newbuild .eyebrow{color:#ddc69e}.home-modern .newbuild a{color:#fff}.home-modern .newbuild-detail{border-color:#ffffff35}.home-modern .experience{padding-block:65px;margin-top:35px;border-top:0}.home-modern .experience h2{font-size:34px}.home-modern .preparation{padding-block:30px 65px}.home-modern .network{padding-bottom:65px}.home-modern .calculator{background:var(--paper)}.home-modern .button{transition:background .2s,box-shadow .2s}.home-modern .button:hover{box-shadow:0 3px 0 #0002}.home-modern .read-more{text-decoration-thickness:1px}.home-modern .read-more:hover{text-decoration:underline;text-decoration-thickness:2px}
@media(max-width:900px){.home-modern .hero-copy{padding:32px}.consultation-inner{gap:40px}.consultation-heading h2{font-size:31px}.home-modern .newbuild{gap:30px;padding:32px}}
@media(max-width:700px){.home-modern .hero-personal{grid-template-columns:1fr;margin-top:18px}.home-modern .hero-copy{padding:30px 25px}.home-modern .hero h1{font-size:43px;letter-spacing:-1.3px}.home-modern .hero-photo{height:390px}.home-modern .hero-photo img{object-position:50% 22%}.home-modern .hero-photo figcaption{font-size:25px;padding:65px 25px 22px}.hero-signature{margin-top:22px}.comparison-note{grid-template-columns:1fr;gap:4px;padding-block:25px}.comparison-note>p:last-child{font-size:17px}.home-modern .content-layout{padding-block:35px}.home-modern .services>h2{font-size:29px}.consultation-inner{grid-template-columns:1fr;gap:35px}.home-modern .consultation{padding:38px 0;margin:0 0 35px}.consultation-heading h2{font-size:30px}.consultation-steps li{gap:15px}.consultation-steps h3{font-size:20px}.home-modern .newbuild{padding:27px;gap:24px}.home-modern .newbuild h2{font-size:29px}.home-modern .experience{padding-block:30px;margin-top:18px}.home-modern .experience h2{font-size:29px}.home-modern .preparation{padding-bottom:35px}.home-modern .network{padding-bottom:35px}}
@media(prefers-reduced-motion:reduce){.home-modern *{scroll-behavior:auto!important;transition:none!important;animation:none!important}}

/* Shared editorial language for finance, insurance and tools */
.sub-modern{--paper:#f5f2eb}.finance-page{padding-top:30px}.finance-page>.back{font-size:12px}.finance-hero{display:grid;grid-template-columns:1.1fr 1fr;background:var(--paper);margin:24px 0 55px;align-items:stretch}.finance-hero>div{padding:45px}.finance-hero h1{font-size:48px;line-height:1.08;letter-spacing:-1.7px}.finance-hero .lead{font-size:18px;line-height:1.6;color:var(--muted);margin:24px 0}.finance-hero .topic-photo{margin:0;position:relative;min-height:400px}.finance-hero .topic-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.finance-hero figcaption{position:absolute;bottom:0;left:0;right:0;padding:25px 20px 12px;background:linear-gradient(transparent,#102a3ec9);color:white;font-size:11px}.finance-chapter{display:grid;grid-template-columns:1fr 1.5fr;gap:65px;padding:38px 0;border-bottom:1px solid var(--line)}.finance-chapter h2{font-size:29px;max-width:340px}.finance-chapter p,.finance-chapter li{font-size:15px;line-height:1.8}.finance-chapter p:last-child{margin-bottom:0}.finance-chapter ul{margin:0 0 20px;padding-left:20px}.finance-chapter li{margin-bottom:9px}.finance-chapter.chapter-warm{background:var(--paper);padding:35px;margin-bottom:12px;border:0}.finance-chapter .eyebrow{font:italic 24px Georgia,serif;color:#80653e;margin-bottom:15px}.subpage-invitation{background:var(--nav);color:#e1e7ec;margin:55px 0 25px;padding:40px;display:grid;grid-template-columns:1.4fr 1fr;gap:50px;align-items:center}.subpage-invitation h2{color:white;font-size:31px;margin-bottom:20px}.subpage-invitation .eyebrow{color:#ddc69e}.subpage-invitation p:last-child{margin:0;font-size:14px}.subpage-invitation>div:last-child{display:flex;flex-direction:column;align-items:flex-start;gap:18px}.subpage-invitation a{color:white;font-size:14px}.subpage-invitation .button{background:#fff;color:var(--nav);border-color:white}.subpage-heading{background:var(--paper);padding:42px 45px;margin-bottom:40px;border-bottom:2px solid #b69a6d}.sub-modern .subpage-heading h1{font-size:49px;line-height:1.1;letter-spacing:-1.5px}.subpage-heading .tools-intro{margin-bottom:0;max-width:850px}.sub-modern .partner-intro{gap:50px;margin-bottom:35px}.sub-modern .partner-disclosure{background:var(--nav);padding:35px;color:#e1e7ec}.sub-modern .partner-disclosure h2{color:white}.sub-modern .partner-disclosure p{color:#e1e7ec}.sub-modern .tool-picker{border:0;border-bottom:1px solid var(--line);gap:15px}.sub-modern .tool-picker button{border:1px solid var(--line);border-bottom:3px solid transparent;padding:20px;background:white;transition:background .2s}.sub-modern .tool-picker button[aria-pressed=true]{background:var(--paper);border-bottom-color:var(--brass)}.sub-modern .tool-result{background:var(--paper);padding:30px}.sub-modern .tool-heading h2{font-size:30px}.sub-modern .tools-note{background:var(--nav);color:white;padding:30px;max-width:none;border:0}.sub-modern .tools-note h2{color:white}.sub-modern .tools-note p{color:#e1e7ec;margin:0}.sub-modern .button{transition:background .2s,box-shadow .2s}.sub-modern .button:hover{box-shadow:0 3px 0 #0002}
@media(max-width:900px){.finance-hero>div{padding:30px}.finance-hero h1{font-size:39px}.finance-chapter{gap:30px}.subpage-invitation{gap:30px;padding:30px}}
@media(max-width:700px){.finance-page{padding-top:20px}.finance-hero{grid-template-columns:1fr;margin-bottom:30px}.finance-hero>div{padding:29px 25px}.finance-hero h1{font-size:37px;letter-spacing:-1px}.finance-hero .lead{font-size:16px}.finance-hero .topic-photo{min-height:240px}.finance-chapter{grid-template-columns:1fr;gap:18px;padding:28px 0}.finance-chapter.chapter-warm{padding:25px}.finance-chapter h2{font-size:27px}.finance-chapter .eyebrow{margin-bottom:8px}.subpage-invitation{grid-template-columns:1fr;padding:27px;gap:25px;margin-top:32px}.subpage-invitation h2{font-size:27px}.subpage-heading{padding:30px 24px;margin-bottom:30px}.sub-modern .subpage-heading h1{font-size:35px;letter-spacing:-1px}.sub-modern .tool-picker{gap:8px}.sub-modern .tool-picker button{padding:16px 19px}.sub-modern .tool-result{padding:23px}.sub-modern .tool-heading h2{font-size:26px}.sub-modern .partner-disclosure,.sub-modern .tools-note{padding:26px}.sub-modern .partner-intro{gap:25px}}
@media(prefers-reduced-motion:reduce){.sub-modern *{transition:none!important;animation:none!important;scroll-behavior:auto!important}}

.debt-chart{margin:30px 0 25px;padding:28px 30px;background:#f5f2eb;border-top:1px solid #cfc8ba}.debt-chart[hidden]{display:none}.chart-heading{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-bottom:15px}.chart-heading h3{font-size:25px}.chart-heading .eyebrow{font-size:10px;margin-bottom:8px}.chart-key{font-size:12px;white-space:nowrap;display:flex;align-items:center;gap:8px}.chart-key:before{content:'';width:25px;height:3px;background:var(--nav)}.debt-chart svg{display:block;width:100%;height:auto;overflow:visible}.debt-chart svg text{font:12px Arial,sans-serif;fill:#535f68}.chart-grid{stroke:#d6d5cd;stroke-width:1}.chart-area{fill:#163a540b}.chart-line{fill:none;stroke:var(--nav);stroke-width:3;stroke-linejoin:round;stroke-linecap:round}.chart-point{fill:var(--nav)}.chart-end{fill:#9d7c48;stroke:#f5f2eb;stroke-width:2}.debt-chart figcaption{font-size:15px;color:var(--nav);font-weight:600;margin-top:12px}.debt-chart .fine{font-size:12px;color:var(--muted);margin:10px 0 0}.debt-chart>div[id$="-plot"]{overflow-x:auto}@media(max-width:700px){.debt-chart{padding:22px 16px}.chart-heading{align-items:flex-start;flex-direction:column;gap:12px}.chart-heading h3{font-size:23px}.debt-chart svg{min-width:440px}.debt-chart figcaption{font-size:14px}.debt-chart>div[id$="-plot"]{padding-bottom:4px}}

.repayment-slider{margin-top:12px}.tool-inputs .repayment-slider .slider-label{display:block;font-size:12px;font-weight:400;color:var(--muted);min-height:0;margin:0 0 2px}.tool-inputs .repayment-slider input[type="range"]{display:block;width:100%;height:30px;padding:0;margin:0;border:0;background:transparent;accent-color:var(--nav);cursor:pointer}.slider-scale{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}.repayment-slider input:focus-visible{outline:2px solid #9d7c48;outline-offset:4px}

/* Ratgeber: editorial layouts, shared palette and motion */
.guide-byline{font-size:12px;color:var(--muted)}.guide-contents{padding:24px 30px;background:#f5f2eb;border-left:3px solid #b69a6d}.guide-contents ol{margin:12px 0 0;padding-left:20px}.guide-contents li{margin:6px 0}.guide-example{background:#f5f2eb;padding:25px;margin:20px 0}.guide-example dl{display:grid;grid-template-columns:1fr auto;gap:9px 25px;margin:15px 0 22px}.guide-example dd{margin:0;font-weight:bold;white-space:nowrap}.guide-example dt{margin:0}.guide-sources{padding:30px 0;color:var(--muted);font-size:13px}.guide-sources h2{font-size:19px}.guide-sources ul{padding-left:20px}.guide-related{margin:30px 0 50px;border-top:1px solid var(--line);padding-top:24px}.guide-related h2{font-size:23px;margin-bottom:15px}.guide-related a{display:inline-block;margin:0 25px 10px 0}.guide-overview{padding-block:65px}.guide-overview>p:not(.eyebrow){max-width:650px;margin-top:20px}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px;margin-top:30px}.guide-grid article{border-bottom:1px solid var(--line);padding-bottom:24px}.guide-grid img{width:100%;height:220px;margin-bottom:22px}.guide-grid h3{font-size:25px;margin-bottom:15px}.guide-grid article>a:first-child{text-decoration:none}.guide-grid p{font-size:15px}.guide-page .finance-chapter{scroll-margin-top:25px}@media(max-width:700px){.guide-grid{grid-template-columns:1fr}.guide-grid img{height:240px}.guide-overview{padding-block:40px}.guide-example{padding:18px}.guide-example dl{gap:12px;font-size:14px}.guide-contents{padding:20px}.guide-page .finance-hero h1{font-size:35px}}