/* ============================================================
   StartKapital – ein Bildungsprogramm des BVH
   Alles unter #startkapital gescopet, damit nichts mit den
   globalen Styles der Seite (Termly-Consent, Font-Awesome …)
   kollidiert. Diese Seite lädt bewusst kein homepage.css.

   Design: redaktionell, ruhig, institutionell. Farben strikt
   nach der StartKapital-Farbpalette (BVH-Blau, Sekundär I/II,
   Kontrast-Orange, Grau, Weiß) inkl. deren Abstufungen.
   Schrift: Arial – wie auf bvh.org.
   ============================================================ */

/* Diese Seite lädt bewusst kein homepage.css – UA-Default-Margins zurücksetzen. */
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: calc(64px + 12px); }

/* ============================================================
   StartKapital-Navigation, eingebettet in den globalen BVH-Header
   (assets/elements/header_static.php, per $GLOBALS['bvh_header_extra_html']).
   Liegt außerhalb von #startkapital, daher hier bewusst ungescopet
   und mit eigenem "sk-hnav"-Präfix, um nichts zu überschreiben.
   Alles Folgende ist eine reine CSS-Lösung innerhalb dieser Seite –
   assets/elements/header_static.php bleibt unverändert.
   ============================================================ */

/* Diese Seite lädt bewusst kein homepage.css (siehe Kommentar oben), das dort sonst
   per "* { font-family: 'Arial Regular', sans-serif; }" auch DE|EN und das ☰-Seitenmenü
   auf Arial setzt. Ohne diese Regel fällt der Browser für beide auf Serif zurück –
   hier lokal nachgezogen, ohne header_static.php selbst anzufassen. */

.sk-hnav { display: flex; align-items: center; justify-content: space-between; gap: 0.75rem; flex: 1 1 auto; min-width: 0; margin-left: 12px; }

.sk-hnav__brand { display: flex; align-items: center; text-decoration: none; flex: 0 0 auto; }
.sk-hnav__brand span { font-weight: 700; font-size: 1.15rem; letter-spacing: -0.02em; color: #FFFFFF; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; white-space: nowrap; }
.sk-hnav__accent { color: #96B2D6; } /* = var(--sec2) der StartKapital-Palette */

.sk-hnav__links { display: flex; align-items: center; gap: 0.1rem; list-style: none; margin: 0; padding: 0; flex: 0 1 auto; overflow: hidden; }
.sk-hnav__link {
  position: relative; display: inline-block; padding: 4px 8px;
  color: rgba(255, 255, 255, 0.85); text-decoration: none;
  font-size: 0.76rem; font-weight: 700; letter-spacing: 0.01em;
  font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; white-space: nowrap;
}
.sk-hnav__link::after {
  content: ""; position: absolute; left: 8px; right: 8px; bottom: 0; height: 2px;
  background: #D97706; transform: scaleX(0); transform-origin: left; transition: transform 0.2s ease;
}
.sk-hnav__link:hover { color: #FFFFFF; }
.sk-hnav__link:hover::after, .sk-hnav__link.is-active::after { transform: scaleX(1); }
.sk-hnav__link.is-active { color: #FFFFFF; }
.sk-hnav__link--cta { margin-left: 4px; padding: 5px 10px; background: #D97706; color: #0D2958; border-radius: 2px; }
.sk-hnav__link--cta::after { display: none; }
.sk-hnav__link--cta:hover { color: #0D2958; background: #F7E4CD; }
.sk-hnav__link--cta.is-active { color: #0D2958; }

.sk-hnav__toggle { display: none; flex-direction: column; justify-content: center; gap: 4px; width: 32px; height: 32px; padding: 6px; margin-left: 4px; background: transparent; border: 0; cursor: pointer; flex: 0 0 auto; }
.sk-hnav__toggle-bar { display: block; height: 2px; width: 100%; background: #FFFFFF; transition: transform 0.2s ease, opacity 0.2s ease; }

@media (max-width: 1040px) {
  /* Menue bleibt immer sichtbar: zweite Zeile unter der Kopfzeile, seitlich wischbar */
  .sk-hnav { margin-left: 8px; margin-right: 0; }
  .sk-hnav__links {
    position: fixed; top: 64px; left: 0; right: 0; z-index: 1199;
    height: 40px; align-items: center; gap: 0.15rem; padding: 0 0.75rem;
    background: #0D2958; border-bottom: 1px solid rgba(150, 178, 214, 0.28);
    overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; scrollbar-width: none;
  }
  .sk-hnav__links::-webkit-scrollbar { display: none; }
  .sk-hnav__link { padding: 8px 9px; font-size: 0.8rem; }
  .sk-hnav__link::after { bottom: 2px; }
  .sk-hnav__link--cta { margin-left: 6px; }
  .sk-hspacer { height: 104px; }
  html { scroll-padding-top: calc(104px + 12px); }
}
@media (max-width: 640px) {
  .sk-hnav__brand span { font-size: 1rem; }
}


#startkapital {
  /* Farbpalette */
  --blue: #0D2958;        /* BVH-Blau 100 % */
  --blue-80: #3D5479;
  --blue-60: #6E7F9B;
  --blue-40: #9EA9BC;
  --blue-20: #CFD4DE;
  --sec1: #516A93;        /* Sekundär I */
  --sec2: #96B2D6;        /* Sekundär II */
  --sec2-40: #D5E0EF;
  --sec2-20: #EAF0F7;
  --orange: #D97706;      /* Kontrast */
  --orange-20: #F7E4CD;
  --gray: #D9D9D9;        /* Grau */
  --gray-20: #F7F7F7;
  --white: #FFFFFF;

  --font: Arial, "Helvetica Neue", Helvetica, sans-serif;

  --container: 1160px;
  --radius: 2px;

  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--blue);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

#startkapital *, #startkapital *::before, #startkapital *::after { box-sizing: border-box; }

#startkapital img { max-width: 100%; height: auto; display: block; }
#startkapital h1, #startkapital h2, #startkapital h3, #startkapital h4,
#startkapital p, #startkapital ul, #startkapital ol, #startkapital dl,
#startkapital dd, #startkapital figure { margin: 0; text-align: left; font-family: inherit; color: inherit; font-size: inherit; }
#startkapital ul, #startkapital ol { padding: 0; list-style: none; }
#startkapital a { color: var(--blue); text-decoration: none; }

#startkapital :focus-visible {
  outline: 3px solid var(--orange);
  outline-offset: 3px;
  border-radius: var(--radius);
}

#startkapital .visually-hidden {
  position: absolute; width: 1px; height: 1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap;
}

#startkapital .skip-link {
  position: absolute;
  left: 1rem; top: -100px;
  z-index: 200;
  background: var(--orange);
  color: var(--blue);
  font-weight: 700;
  padding: 0.6rem 1rem;
  border-radius: var(--radius);
  text-decoration: none;
  transition: top 0.15s ease;
}
#startkapital .skip-link:focus { top: 0.75rem; }

#startkapital .container {
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: clamp(1.25rem, 4vw, 2.5rem);
}
#startkapital .container--narrow { max-width: 780px; }

/* ---------- Typo-Bausteine ---------- */
#startkapital .eyebrow {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--sec1);
  margin-bottom: 1.25rem;
}
#startkapital .eyebrow::before {
  content: "";
  flex: none;
  width: 2rem;
  height: 3px;
  background: var(--orange);
}
#startkapital .eyebrow--on-dark { color: var(--sec2); }

#startkapital .section { padding-block: clamp(4rem, 9vw, 7rem); }
#startkapital .section--light { background: var(--white); }
#startkapital .section--tint { background: var(--sec2-20); }
#startkapital .section--navy { background: var(--blue); color: var(--white); }

#startkapital .section__title {
  font-weight: 700;
  font-size: clamp(1.9rem, 4.4vw, 3rem);
  line-height: 1.1;
  letter-spacing: -0.025em;
  color: var(--blue);
  max-width: 22ch;
}
#startkapital .section--navy .section__title { color: var(--white); max-width: none; }

#startkapital .section__intro {
  margin-top: 1.5rem;
  max-width: 60ch;
  font-size: 1.15rem;
  line-height: 1.6;
  color: var(--blue-80);
}
#startkapital .section--navy .section__intro { color: var(--sec2-40); }

/* ---------- Buttons ---------- */
#startkapital .btn {
  display: inline-block;
  padding: 0.85rem 1.6rem;
  border-radius: var(--radius);
  font-family: var(--font);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background-color 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
#startkapital .btn--primary {
  background: var(--orange);
  border-color: var(--orange);
  color: var(--blue);
}
#startkapital .btn--primary:hover { background: var(--orange-20); border-color: var(--orange); color: var(--blue); }
#startkapital .btn--small { padding: 0.6rem 1.2rem; font-size: 0.9rem; }
#startkapital .btn--ghost {
  background: transparent;
  color: var(--white);
  border-color: var(--sec2);
}
#startkapital .btn--ghost:hover { border-color: var(--white); background: rgba(150, 178, 214, 0.16); }
#startkapital .btn--disabled {
  background: transparent;
  color: var(--sec1);
  border: 2px dashed var(--blue-40);
  cursor: not-allowed;
}

/* ============================================================ HERO */
#startkapital .hero {
  background: var(--blue);
  color: var(--white);
  padding-block: clamp(4rem, 9vw, 7.5rem) clamp(3rem, 6vw, 5rem);
}

/* Zweispaltig: links Marke & Botschaft, rechts der Claim als Zitat. */
#startkapital .hero > .container {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
  column-gap: clamp(2.5rem, 7vw, 6rem);
  align-items: start;
}
#startkapital .hero > .container > * { grid-column: 1; }
#startkapital .hero > .container > .hero__claim { grid-column: 2; grid-row: 2 / span 4; align-self: end; }
#startkapital .hero > .container > .stats { grid-column: 1 / -1; }
@media (max-width: 900px) {
  #startkapital .hero > .container { display: block; }
}

#startkapital .hero__title { margin: 0; line-height: 0; }
#startkapital .hero__logo-img {
  display: block;
  width: clamp(280px, 46vw, 600px);
  max-width: 100%;
  height: auto;
  margin-left: 0;
  margin-bottom: 1.5rem;
}

#startkapital .hero__subline {
  font-weight: 400;
  font-size: clamp(1.4rem, 3vw, 2rem);
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--sec2);
  margin-top: 0.5rem;
}

#startkapital .hero__mission {
  margin-top: 1.5rem;
  max-width: 54ch;
  font-size: 1.1rem;
  color: var(--sec2-40);
}

#startkapital .hero__claim {
  margin-top: 2.5rem;
  padding: 0.25rem 0 0.25rem 1.75rem;
}
#startkapital .hero__claim-main {
  font-weight: 700;
  font-size: clamp(1.4rem, 2.8vw, 2rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--white);
}
#startkapital .hero__claim-sub {
  margin-top: 0.75rem;
  font-size: 1rem;
  color: var(--sec2);
}

#startkapital .hero__actions {
  margin-top: 2.25rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}

#startkapital .stats {
  margin-top: clamp(3.5rem, 8vw, 6rem);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.5rem, 4vw, 3rem);
}
@media (max-width: 760px) { #startkapital .stats { grid-template-columns: 1fr; gap: 0; } }

#startkapital .stat {
  display: flex;
  flex-direction: column-reverse;
  justify-content: flex-end;
  border-top: 1px solid rgba(150, 178, 214, 0.4);
  padding: 1.5rem 0 0;
}
@media (max-width: 760px) { #startkapital .stat { padding-block: 1.25rem; } }
#startkapital .stat__value {
  font-weight: 700;
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  line-height: 1;
  letter-spacing: -0.03em;
  color: var(--white);
}
#startkapital .stat__label { margin-top: 0.75rem; font-size: 0.9rem; line-height: 1.45; color: var(--sec2); }
#startkapital .stat__source { display: block; color: var(--blue-40); font-size: 0.8rem; }

/* ============================================================ PROGRAMM */
#startkapital .programm__format { margin-top: 1rem; max-width: 60ch; color: var(--blue-80); }
#startkapital .programm__neutral {
  margin-top: 1.75rem;
  max-width: 60ch;
  padding: 0.25rem 0 0.25rem 1.25rem;
  font-weight: 700;
}

#startkapital .programm__subhead {
  font-weight: 700;
  font-size: 1.5rem;
  letter-spacing: -0.02em;
  color: var(--blue);
  margin-top: clamp(3.5rem, 7vw, 5rem);
  margin-bottom: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--gray);
}

/* Module: Hairline-Raster statt einzelner Kacheln */
#startkapital .modules {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--gray);
  border: 1px solid var(--gray);
}
@media (max-width: 980px) { #startkapital .modules { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { #startkapital .modules { grid-template-columns: 1fr; } }

#startkapital .module {
  background: var(--white);
  padding: 1.5rem 1.4rem 1.75rem;
  transition: background-color 0.15s ease;
}
#startkapital .module:hover { background: var(--sec2-20); }
#startkapital .module__num {
  display: block;
  font-weight: 700;
  font-size: 2.6rem;
  line-height: 1;
  letter-spacing: -0.04em;
  color: var(--blue);
}
#startkapital .module__num::after {
  content: "";
  display: block;
  width: 1.75rem;
  height: 3px;
  margin-top: 0.75rem;
  background: var(--orange);
}
#startkapital .module__title { margin-top: 1.25rem; font-size: 1.05rem; font-weight: 700; color: var(--blue); line-height: 1.3; }
#startkapital .module__desc { margin-top: 0.5rem; font-size: 0.9rem; color: var(--sec1); }

/* Gründe: offene Spalten mit Kopflinie */
#startkapital .reasons { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(1.5rem, 3vw, 2.5rem); }
@media (max-width: 980px) { #startkapital .reasons { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { #startkapital .reasons { grid-template-columns: 1fr; } }

#startkapital .reason { border-top: 3px solid var(--blue); padding-top: 1.1rem; }
#startkapital .reason__title { font-weight: 700; color: var(--blue); font-size: 1.15rem; letter-spacing: -0.01em; }
#startkapital .reason__desc { margin-top: 0.6rem; font-size: 0.95rem; color: var(--blue-80); }

/* ---------- Signature: Grundlagen-Treppe ---------- */
#startkapital .stairs { margin-top: clamp(3.5rem, 7vw, 5.5rem); padding-top: 2rem; border-top: 1px solid var(--gray); }
#startkapital .stairs__svg { width: 100%; height: auto; display: block; }
#startkapital .stairs__block { fill: var(--blue); rx: 2px; }
#startkapital .stairs__num { fill: var(--sec2); font-size: 27px; font-weight: 700; text-anchor: middle; }
#startkapital .stairs__platform-block { fill: var(--orange); rx: 2px; }
#startkapital .stairs__platform-kicker {
  fill: var(--blue);
  font-size: 14px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; text-anchor: middle;
}
#startkapital .stairs__platform-label { fill: var(--blue); font-size: 24px; font-weight: 700; text-anchor: middle; }
#startkapital .stairs__caption { margin-top: 1.25rem; text-align: center; font-size: 0.95rem; color: var(--sec1); }
#startkapital .stairs__caption strong { color: var(--blue); font-weight: 700; }

@media (prefers-reduced-motion: no-preference) {
  #startkapital .stairs__step {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity 0.5s ease, transform 0.5s ease;
    transition-delay: calc(var(--i) * 110ms);
  }
  #startkapital .stairs.is-visible .stairs__step { opacity: 1; transform: translateY(0); }
}

/* ============================================================ RECHNER */
#startkapital .rechner__banner {
  margin-top: 2rem;
  max-width: 74ch;
  padding: 1.25rem 1.5rem;
  background: var(--white);
}
#startkapital .rechner__banner p { font-size: 1rem; }
#startkapital .rechner__banner strong { color: var(--blue); }
#startkapital .rechner__banner-note { margin-top: 0.6rem; font-size: 0.82rem; color: var(--sec1); }

#startkapital .rechner__widget-title {
  margin-top: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 700;
  font-size: 1.5rem;
  letter-spacing: -0.02em;
  color: var(--blue);
}

#startkapital .rechner {
  margin-top: 1.25rem;
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(1.5rem, 4vw, 3.5rem);
  align-items: start;
  background: var(--white);
  border: 1px solid var(--gray);
  border-top: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 4vw, 2.5rem);
}
@media (max-width: 860px) { #startkapital .rechner { grid-template-columns: 1fr; } }

#startkapital .rechner__controls { display: grid; gap: 1.75rem; align-content: start; }
#startkapital .rechner__field { display: grid; gap: 0.7rem; }
#startkapital .rechner__field-head { display: flex; align-items: baseline; justify-content: space-between; gap: 0.75rem; }
#startkapital .rechner__field-head label,
#startkapital .rechner__field-head span#rechner-rendite-label { font-weight: 700; font-size: 0.95rem; color: var(--blue); }
#startkapital .rechner__field-head output {
  font-weight: 700; font-size: 1.2rem; letter-spacing: -0.02em; color: var(--blue); white-space: nowrap;
}

#startkapital .rechner__presets { display: flex; flex-wrap: wrap; gap: 0.4rem; }
#startkapital .rechner__preset-btn {
  padding: 0.35rem 0.75rem;
  border: 1px solid var(--blue-60);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--blue);
  font: inherit;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  transition: border-color 0.15s ease, background-color 0.15s ease, color 0.15s ease;
}
#startkapital .rechner__preset-btn:hover { border-color: var(--blue); background: var(--sec2-20); }
#startkapital .rechner__preset-btn.is-active { background: var(--blue); border-color: var(--blue); color: var(--white); }

#startkapital .rechner__field input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 4px;
  border-radius: 0;
  background: var(--gray);
  outline-offset: 6px;
}
#startkapital .rechner__field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--orange); border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--blue); cursor: pointer; margin-top: -8px;
}
#startkapital .rechner__field input[type="range"]::-moz-range-track { height: 4px; border-radius: 0; background: var(--gray); }
#startkapital .rechner__field input[type="range"]::-moz-range-thumb {
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--orange); border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--blue); cursor: pointer;
}

#startkapital .rechner__segmented { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
#startkapital .rechner__seg-btn {
  display: flex; flex-direction: column; align-items: center; gap: 0.15rem;
  padding: 0.6rem 0.4rem; border: 1px solid var(--blue-60); border-radius: 0;
  margin-left: -1px;
  background: var(--white); color: var(--blue); font: inherit;
  font-weight: 700; font-size: 0.88rem; cursor: pointer;
  transition: border-color 0.15s ease, background-color 0.15s ease, color 0.15s ease;
}
#startkapital .rechner__seg-btn:first-child { margin-left: 0; border-radius: var(--radius) 0 0 var(--radius); }
#startkapital .rechner__seg-btn:last-child { border-radius: 0 var(--radius) var(--radius) 0; }
#startkapital .rechner__seg-btn span { font-weight: 700; font-size: 0.95rem; }
#startkapital .rechner__seg-btn:hover { background: var(--sec2-20); }
#startkapital .rechner__seg-btn.is-active { background: var(--blue); border-color: var(--blue); color: var(--white); position: relative; }

#startkapital .rechner__field-note { margin: 0; font-size: 0.82rem; color: var(--sec1); }
#startkapital .rechner__hint { margin: 0; min-height: 1.3em; font-size: 0.88rem; font-weight: 700; color: var(--blue); }

#startkapital .rechner__result { display: grid; gap: 1.6rem; align-content: start; }
#startkapital .rechner__endkapital { display: grid; gap: 0.3rem; padding-bottom: 1.25rem; border-bottom: 1px solid var(--gray); }
#startkapital .rechner__endkapital-label { font-size: 0.92rem; color: var(--sec1); }
#startkapital .rechner__endkapital-value {
  font-weight: 700; font-size: clamp(2.4rem, 5.5vw, 3.6rem); letter-spacing: -0.035em; color: var(--blue); line-height: 1.05;
}

#startkapital .rechner__legend { display: grid; gap: 0.6rem; }
#startkapital .rechner__legend-item { display: flex; align-items: center; gap: 0.65rem; font-size: 0.92rem; color: var(--blue-80); }
#startkapital .rechner__legend-item strong { margin-left: auto; color: var(--blue); font-size: 1rem; }
#startkapital .rechner__legend-swatch { width: 1.5rem; height: 4px; flex-shrink: 0; }
#startkapital .rechner__legend-swatch--eigen { background: var(--sec1); }
#startkapital .rechner__legend-swatch--foerderung { background: var(--sec1); }
#startkapital .rechner__legend-swatch--rendite { background: var(--blue); }

#startkapital .rechner__chart { margin: 0; position: relative; }
#startkapital .rechner__chart-badges { position: absolute; top: 0; right: 0; display: flex; flex-direction: column; align-items: flex-end; gap: 0.35rem; }
#startkapital .rechner__chart-rendite {
  padding: 0.25rem 0.6rem; background: var(--sec2-20); border-radius: var(--radius);
  font-size: 0.78rem; font-weight: 700; color: var(--blue); white-space: nowrap;
}
#startkapital .rechner__chart-rendite--total { background: var(--orange-20); color: var(--blue); }
#startkapital .rechner__chart-svg { width: 100%; height: auto; aspect-ratio: 2 / 1; display: block; overflow: visible; margin-top: 3.75rem; }
#startkapital .rechner__chart-axis { stroke: var(--blue-60); stroke-width: 1.5; }
#startkapital .rechner__chart-path { fill: none; stroke-width: 3.5; stroke-linecap: round; stroke-linejoin: round; }
#startkapital .rechner__chart-path--eigen { stroke: var(--sec1); }
#startkapital .rechner__chart-path--foerderung { stroke: var(--sec1); }
#startkapital .rechner__chart-path--endkapital { stroke: var(--blue); stroke-width: 4; }
#startkapital .rechner__chart-axislabels { margin-top: 0.5rem; display: flex; justify-content: space-between; font-size: 0.82rem; color: var(--sec1); }

#startkapital .rechner__disclaimer { margin-top: 1.25rem; font-size: 0.82rem; color: var(--sec1); }

@media (prefers-reduced-motion: no-preference) {
  #startkapital .rechner__chart-path { transition: stroke-dashoffset 1s ease; }
}

/* ============================================================ UNTERSCHIED */
#startkapital .compare { margin-top: clamp(2.5rem, 5vw, 3.5rem); display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem, 4vw, 4rem); }
@media (max-width: 800px) { #startkapital .compare { grid-template-columns: 1fr; } }
#startkapital .compare__col { padding: 1.75rem 0 0; }
#startkapital .compare__col--start { border-top: 4px solid var(--sec2); }

#startkapital .compare__title { font-weight: 700; font-size: 1.75rem; letter-spacing: -0.025em; line-height: 1.15; color: var(--white); }
#startkapital .compare__badge { display: block; margin-top: 0.6rem; font-size: 0.85rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }
#startkapital .compare__col--start .compare__badge { color: var(--sec2); }
#startkapital .compare__col--bfs .compare__badge { color: var(--sec2); }
#startkapital .compare__list { margin-top: 1.5rem; display: grid; gap: 0; }
#startkapital .compare__list li {
  position: relative;
  padding: 0.85rem 0 0.85rem 1.6rem;
  border-top: 1px solid rgba(150, 178, 214, 0.3);
  color: var(--sec2-40);
}
#startkapital .compare__list li:last-child { border-bottom: 1px solid rgba(150, 178, 214, 0.3); }
#startkapital .compare__list li::before {
  content: ""; position: absolute; left: 0; top: 1.45rem; width: 0.55rem; height: 0.55rem;
}
#startkapital .compare__col--start .compare__list li::before { background: var(--sec2); }
#startkapital .compare__col--bfs .compare__list li::before { background: var(--sec2); }
#startkapital .compare__cta { margin-top: 1.5rem; }

/* ============================================================ FÜR WEN */
#startkapital .audiences { margin-top: clamp(2.5rem, 5vw, 3.5rem); display: grid; grid-template-columns: repeat(2, 1fr); column-gap: clamp(2rem, 6vw, 5rem); }
@media (max-width: 700px) { #startkapital .audiences { grid-template-columns: 1fr; } }
#startkapital .audience { padding: 1.75rem 0 2rem; border-top: 1px solid var(--blue-60); }
#startkapital .audience__title { font-weight: 700; color: var(--blue); font-size: 1.4rem; letter-spacing: -0.02em; line-height: 1.2; }
#startkapital .audience__desc { margin-top: 0.6rem; font-size: 1rem; color: var(--blue-80); max-width: 42ch; }
#startkapital .audiences__partners { margin-top: 1rem; padding: 1.25rem 1.5rem; background: var(--sec2-20); color: var(--blue); }
#startkapital .audiences__partners strong { color: var(--blue); }

/* ============================================================ ÜBER BVH */
#startkapital .bvh { display: grid; grid-template-columns: 1.3fr 1fr; gap: clamp(2.5rem, 6vw, 6rem); align-items: start; }
@media (max-width: 860px) { #startkapital .bvh { grid-template-columns: 1fr; } }
#startkapital .bvh__desc { margin-block: 1.5rem 2rem; color: var(--sec2-40); max-width: 58ch; font-size: 1.05rem; }
#startkapital .bvh__figures { display: grid; gap: 0; }
#startkapital .bvh__figure {
  border-top: 1px solid rgba(150, 178, 214, 0.4);
  padding: 1.4rem 0; display: flex; align-items: baseline; gap: 1rem;
}
#startkapital .bvh__figure:last-child { border-bottom: 1px solid rgba(150, 178, 214, 0.4); }
#startkapital .bvh__num { font-weight: 700; font-size: clamp(2.2rem, 4.5vw, 3rem); letter-spacing: -0.03em; line-height: 1; color: var(--white); }
#startkapital .bvh__figlabel { color: var(--sec2); font-size: 0.95rem; }

/* ============================================================ DOWNLOADS */
#startkapital .downloads { margin-top: clamp(2.5rem, 5vw, 3.5rem); display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem, 3vw, 2.5rem); }
@media (max-width: 720px) { #startkapital .downloads { grid-template-columns: 1fr; } }
#startkapital .download { background: var(--gray-20); border: 1px solid var(--gray); border-top: 4px solid var(--blue); border-radius: var(--radius); padding: 1.75rem 1.75rem 2rem; }
#startkapital .download__type {
  display: inline-block; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; color: var(--white);
  background: var(--blue); border-radius: var(--radius); padding: 0.25rem 0.55rem;
}
#startkapital .download__title { font-weight: 700; font-size: 1.4rem; letter-spacing: -0.02em; color: var(--blue); margin-top: 1rem; }
#startkapital .download__desc { margin-block: 0.5rem 1.6rem; color: var(--sec1); }

/* ============================================================ KONTAKT */
#startkapital .kontakt__mail { margin-top: 1.5rem; font-size: 1.1rem; }
#startkapital .kontakt__mail a { color: var(--blue); font-weight: 700; text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 3px; text-underline-offset: 4px; }
#startkapital .form { margin-top: 2.25rem; display: grid; gap: 1.25rem; }
#startkapital .form__field { display: grid; gap: 0.45rem; }
#startkapital .form__field label { font-weight: 700; font-size: 0.95rem; color: var(--blue); }
#startkapital .form__field input,
#startkapital .form__field textarea {
  font: inherit; color: var(--blue); background: var(--white); border: 1px solid var(--blue-60);
  border-radius: var(--radius); padding: 0.8rem 0.95rem; width: 100%;
}
#startkapital .form__field input:focus-visible,
#startkapital .form__field textarea:focus-visible { outline: 3px solid var(--orange); outline-offset: 1px; border-color: var(--blue); }
#startkapital .form__field textarea { resize: vertical; min-height: 140px; }
#startkapital .form__note { font-size: 0.88rem; color: var(--sec1); }
#startkapital .form .btn { justify-self: start; }
#startkapital .form__status { min-height: 1.4em; font-weight: 700; }
#startkapital .form__status.is-error { color: #B91C1C; }
#startkapital .form__status.is-success { color: var(--blue); }

/* ============================================================ Reduced Motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  #startkapital *, #startkapital *::before, #startkapital *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

/* ============================================================
   Neu fuer die Mehrseiten-Struktur (Palette und Look unveraendert)
   ============================================================ */
#startkapital .subhead--first { margin-top: 0; padding-top: 0; border-top: 0; }

#startkapital .ways { margin-top: clamp(2rem, 4vw, 3rem); display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 2.5vw, 2rem); }
@media (max-width: 800px) { #startkapital .ways { grid-template-columns: 1fr; } }
#startkapital .way {
  display: block; background: var(--white); border: 1px solid var(--gray); border-top: 4px solid var(--blue);
  border-radius: var(--radius); padding: 1.6rem 1.7rem 1.9rem; color: var(--blue);
  transition: border-top-color 0.15s ease;
}
#startkapital .way:hover { border-top-color: var(--blue); }
#startkapital .way__title { font-weight: 700; font-size: 1.3rem; letter-spacing: -0.02em; }
#startkapital .way__desc { margin-top: 0.5rem; color: var(--sec1); }
#startkapital .way__more { display: inline-block; margin-top: 1.1rem; font-weight: 700; text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }

#startkapital .module__link { display: inline-block; margin-top: 0.7rem; font-weight: 700; font-size: 0.9rem; text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }

#startkapital .foerderer { margin-top: 2rem; display: flex; flex-wrap: wrap; align-items: center; gap: 1.25rem 2.5rem; }
#startkapital .foerderer__logo { display: block; background: var(--white); border: 1px solid var(--gray); border-radius: var(--radius); padding: 0.9rem 1.4rem; }
#startkapital .foerderer__logo img { height: 76px; width: auto; }
#startkapital .foerderer__text { max-width: 46ch; color: var(--sec1); }
#startkapital .foerderer__text strong { color: var(--blue); }

#startkapital .download__meta { margin: -1.1rem 0 1.5rem; font-size: 0.88rem; color: var(--sec1); }
#startkapital .hinweis { margin-top: clamp(2rem, 4vw, 3rem); max-width: 72ch; padding: 1.1rem 1.3rem; background: var(--sec2-20); border-radius: 0 var(--radius) var(--radius) 0; }
#startkapital .hinweis a { text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; font-weight: 700; }

#startkapital .btn--outline { background: transparent; color: var(--blue); border: 2px solid var(--blue); }
#startkapital .btn--outline:hover { background: var(--sec2-20); }

#startkapital .prose { max-width: 68ch; }
#startkapital .prose p + p { margin-top: 1rem; }
#startkapital .steps { margin-top: 1.5rem; display: grid; gap: 0.9rem; counter-reset: step; max-width: 68ch; }
#startkapital .steps li { position: relative; padding-left: 2.6rem; }
#startkapital .steps li::before {
  counter-increment: step; content: counter(step); position: absolute; left: 0; top: 0.1rem;
  width: 1.8rem; height: 1.8rem; display: grid; place-items: center;
  background: var(--blue); color: var(--white); font-weight: 700; font-size: 0.95rem; border-radius: var(--radius);
}

#startkapital .bank { margin-top: 2rem; max-width: 680px; background: var(--gray-20); border: 1px solid var(--gray); border-top: 1px solid var(--gray); border-radius: var(--radius); padding: 0.75rem 1.75rem 1.5rem; }
#startkapital .bank__row { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: 0.3rem 1.5rem; padding-block: 0.85rem; border-bottom: 1px solid var(--gray); }
#startkapital .bank__label { color: var(--sec1); font-size: 0.9rem; }
#startkapital .bank__value { font-weight: 700; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
#startkapital .bank__actions { margin-top: 1.25rem; display: flex; flex-wrap: wrap; gap: 0.75rem; align-items: center; }
#startkapital .bank__status { font-size: 0.9rem; color: var(--sec1); }


/* Weitere Seiten */
#startkapital .btnrow { margin-top: 2rem; display: flex; flex-wrap: wrap; gap: 0.75rem; }
#startkapital .facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 3vw, 2.5rem); margin: 0 0 1rem; }
@media (max-width: 700px) { #startkapital .facts { grid-template-columns: 1fr; } }
#startkapital .facts > div { border-top: 3px solid var(--blue); padding-top: 0.8rem; }
#startkapital .facts dt { font-size: 0.85rem; color: var(--sec1); }
#startkapital .facts dd { font-weight: 700; font-size: 1.15rem; color: var(--blue); }
#startkapital .checklist { display: grid; gap: 0.75rem; max-width: 68ch; }
#startkapital .checklist li { position: relative; padding-left: 1.6rem; }
#startkapital .checklist li::before { content: ""; position: absolute; left: 0; top: 0.55em; width: 0.7em; height: 0.7em; background: var(--blue); }
#startkapital .modules .module > a { display: block; margin: -1.5rem -1.4rem -1.75rem; padding: 1.5rem 1.4rem 1.75rem; color: inherit; }
#startkapital .module__title a { color: inherit; text-decoration: none; }
#startkapital .module__title a:hover { text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }
#startkapital .prose a { font-weight: 700; text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }
#startkapital .bank__value a { text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }

#startkapital .faq { margin-top: 0; border-top: 1px solid var(--gray); }
#startkapital .faq details { border-bottom: 1px solid var(--gray); }
#startkapital .faq summary { cursor: pointer; list-style: none; position: relative; padding: 1.15rem 2.5rem 1.15rem 0; font-weight: 700; color: var(--blue); }
#startkapital .faq summary::-webkit-details-marker { display: none; }
#startkapital .faq summary::after { content: ""; position: absolute; right: 0.4rem; top: 1.4rem; width: 0.6rem; height: 0.6rem; border-right: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: rotate(45deg); transition: transform 0.15s ease; }
#startkapital .faq details[open] summary::after { transform: rotate(-135deg); top: 1.7rem; }
#startkapital .faq details > div { padding: 0 0 1.4rem; max-width: 68ch; }

#startkapital .form--wide { max-width: 860px; }
#startkapital .form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
@media (max-width: 700px) { #startkapital .form__row { grid-template-columns: 1fr; } }
#startkapital .form__field select { font: inherit; color: var(--blue); background: var(--white); border: 1px solid var(--blue-60); border-radius: var(--radius); padding: 0.8rem 0.95rem; width: 100%; }
#startkapital .form__field select:focus-visible { outline: 3px solid var(--orange); outline-offset: 1px; border-color: var(--blue); }
#startkapital .form__checks { border: 0; padding: 0; margin: 0; min-width: 0; }
#startkapital .form__checks legend { font-weight: 700; font-size: 0.95rem; color: var(--blue); padding: 0; margin-bottom: 0.6rem; }
#startkapital .form__checkgrid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.55rem 1.25rem; }
@media (max-width: 560px) { #startkapital .form__checkgrid { grid-template-columns: 1fr; } }
#startkapital .form__field label.form__check { display: flex; gap: 0.6rem; align-items: flex-start; font-weight: 400; }
#startkapital .form__check input { width: auto; margin-top: 0.4rem; accent-color: var(--blue); }


/* Weitere Seiten 2 */
#startkapital .section__subtitle { margin-top: 0.75rem; font-size: clamp(1.1rem, 2.4vw, 1.4rem); font-weight: 700; color: var(--sec2); }


/* Kopfzeile und Fusszeile neu */
.sk-hspacer { height: 64px; }
.sk-header {
  position: fixed; top: 0; left: 0; width: 100%; height: 64px; box-sizing: border-box; z-index: 1200;
  background: #0D2958; border-bottom: 1px solid rgba(150, 178, 214, 0.28); color: #FFFFFF;
  font-family: Arial, "Helvetica Neue", Helvetica, sans-serif;
}
.sk-header__inner {
  max-width: 1160px; height: 100%; margin-inline: auto; box-sizing: border-box;
  padding-inline: clamp(1.25rem, 4vw, 2.5rem); display: flex; align-items: center; gap: 0.75rem;
}
.sk-header .sk-hnav { margin-left: 0; margin-right: 1.25rem; }
.sk-header #header-actions { margin-left: auto; display: flex; align-items: center; flex: 0 0 auto; }
.sk-lang { display: flex; align-items: center; gap: 0.4rem; font-size: 0.8rem; font-weight: 700; }
.sk-lang a { color: rgba(255, 255, 255, 0.6); text-decoration: none; }
.sk-lang a:hover, .sk-lang a[aria-current="true"] { color: #FFFFFF; }
.sk-lang span { color: rgba(255, 255, 255, 0.35); }

#startkapital { display: flex; flex-direction: column; min-height: calc(100vh - 64px); }
#startkapital > main { flex: 1 0 auto; }
#startkapital .sk-footer { background: var(--blue); color: var(--sec2-40); padding-block: clamp(2.75rem, 6vw, 4rem) 1.75rem; }
#startkapital .sk-footer a { color: var(--sec2-40); text-decoration: none; }
#startkapital .sk-footer a:hover { color: var(--white); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }
#startkapital .sk-footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr; gap: clamp(1.5rem, 3.5vw, 3rem); }
@media (max-width: 1000px) { #startkapital .sk-footer__grid { grid-template-columns: 1fr 1fr 1fr; } #startkapital .sk-footer__brand { grid-column: 1 / -1; } }
@media (max-width: 600px) { #startkapital .sk-footer__grid { grid-template-columns: 1fr 1fr; } }
#startkapital .sk-footer__logo { width: 190px; height: auto; }
#startkapital .sk-footer__text { margin-top: 1rem; font-size: 0.92rem; max-width: 36ch; }
#startkapital .sk-footer__title { margin-bottom: 1rem; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--sec2); }
#startkapital .sk-footer ul { display: grid; gap: 0.6rem; font-size: 0.95rem; }
#startkapital .sk-footer__bottom { margin-top: clamp(2rem, 5vw, 3rem); padding-top: 1.25rem; border-top: 1px solid rgba(150, 178, 214, 0.28); font-size: 0.85rem; color: var(--blue-40); }


/* Rechner 2 */
#startkapital .rechner__compare { margin: 0; padding: 0.8rem 1rem; font-size: 0.92rem; background: var(--sec2-20); border-radius: 0 var(--radius) var(--radius) 0; }
#startkapital .rechner__disclaimer--result { margin-top: 0; }
#startkapital .rechner__check { display: flex; gap: 0.6rem; align-items: flex-start; font-weight: 700; font-size: 0.95rem; color: var(--blue); cursor: pointer; }
#startkapital .rechner__check input { margin-top: 0.3rem; accent-color: var(--blue); }


/* Korrekturen Website-Check */
#startkapital .stat__source a { color: inherit; text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .stat__source a:hover { color: var(--white); }
#startkapital .modules__more { margin-top: 1.25rem; }
#startkapital .modules__more a { font-weight: 700; text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }
#startkapital .stairs__platform-label--long { font-size: 19px; }


/* Logo */
.sk-hnav__logo { display: block; height: 38px; width: auto; }


/* Footer-Button */
#startkapital .sk-footer__linkbtn { background: none; border: 0; padding: 0; margin: 0; font: inherit; color: var(--sec2-40); cursor: pointer; text-align: left; }
#startkapital .sk-footer__linkbtn:hover { color: var(--white); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 4px; }


/* Treppe verlinkt */
#startkapital .reasons { grid-template-columns: repeat(5, 1fr); gap: clamp(1.25rem, 2.2vw, 2rem); }
@media (max-width: 1100px) { #startkapital .reasons { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { #startkapital .reasons { grid-template-columns: 1fr; } }
#startkapital .stairs__link { cursor: pointer; text-decoration: none; }
#startkapital .stairs__link .stairs__platform-block { transition: fill 0.2s ease; }
#startkapital .stairs__link:hover .stairs__platform-block { fill: var(--orange-20); }
#startkapital .stairs__link:focus-visible { outline: 3px solid var(--blue); outline-offset: 4px; }
#startkapital .stairs__platform-cta { fill: var(--blue); font-size: 17px; font-weight: 700; text-anchor: middle; text-decoration: underline; text-underline-offset: 4px; }
#startkapital .stairs__caption a { color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }


/* Programm-Unternavigation */
#startkapital .sk-subnav { background: var(--white); border-bottom: 1px solid var(--gray); }
#startkapital .sk-subnav__list { display: flex; flex-wrap: wrap; gap: 0 1.75rem; list-style: none; margin: 0; padding: 0; }
#startkapital .sk-subnav a { display: inline-block; padding: 0.9rem 0 0.75rem; font-weight: 700; font-size: 0.95rem; color: var(--blue-80); text-decoration: none; border-bottom: 3px solid transparent; }
#startkapital .sk-subnav a:hover { color: var(--blue); border-bottom-color: var(--sec2); }
#startkapital .sk-subnav a.is-active { color: var(--blue); border-bottom-color: var(--blue); }
#startkapital .spendenaufruf__buttons { margin-top: 1.75rem; display: flex; flex-wrap: wrap; gap: 0.75rem; }
.sk-footer__bottom a { color: inherit; text-decoration: underline; }
#startkapital #sk-anleitung .modules { margin-top: 2rem; }


/* Newsletter */
#startkapital .spendenaufruf__news { margin-top: 1.25rem; color: var(--blue-80); }
#startkapital .spendenaufruf__news a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }

/* Kopfzeile schmal: der Platzhalter muss die zweite Menuezeile mit abdecken (die Regel weiter oben wird sonst von .sk-hspacer { height: 64px } ueberschrieben) */
@media (max-width: 1040px) { .sk-hspacer { height: 104px; } }

/* Sprachumschalter: Tippflaeche mindestens 24 x 24 Pixel */
.sk-lang a { display: inline-block; min-width: 24px; min-height: 24px; line-height: 24px; text-align: center; }


/* startsocial */
#startkapital .partner-logo { margin-top: 1.5rem; }
#startkapital .partner-logo a { display: inline-block; }
#startkapital .partner-logo img { display: block; width: 200px; max-width: 100%; height: auto; }
#startkapital .news-item { padding: 1.5rem 0; border-top: 3px solid var(--blue); max-width: 48rem; }
#startkapital .news-item__date { font-size: 0.85rem; font-weight: 700; letter-spacing: 0.08em; color: var(--sec1); }
#startkapital .news-item__title { margin-top: 0.4rem; font-size: 1.35rem; font-weight: 700; color: var(--blue); }
#startkapital .news-item p + p { margin-top: 0.75rem; }
#startkapital .news-item a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .news-item__title + p { margin-top: 0.6rem; }
#startkapital .partner-logo--dark a { background: var(--blue); padding: 1rem 1.25rem; }
#startkapital .partner-logo--dark img { width: 170px; }
#startkapital .steps a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .donate-alt { margin-top: 2.5rem; max-width: 48rem; }
#startkapital .donate-alt__title { font-size: 1.35rem; font-weight: 700; color: var(--blue); }
#startkapital .donate-alt p { margin-top: 0.75rem; }
#startkapital .donate-alt p a:not(.btn) { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .donate-alt + .hinweis { margin-top: 2rem; }
@media (min-width: 1000px) { #startkapital .downloads { grid-template-columns: repeat(3, 1fr); } }


/* Pressemitteilungen */
#startkapital .news-item__title a { color: inherit; text-decoration: none; }
#startkapital .news-item__title a:hover { text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .pm { max-width: 46rem; }
#startkapital .pm p { margin-top: 1.1rem; line-height: 1.65; }
#startkapital .pm__dateline { margin-top: 0; font-weight: 700; color: var(--sec1); }
#startkapital .pm__quote { padding-left: 1.25rem; font-size: 1.08rem; color: var(--blue); }
#startkapital .pm__about, #startkapital .pm__contact { margin-top: 2rem; padding: 1.25rem 1.5rem; background: var(--sec2-20); border-left: 4px solid var(--blue); }
#startkapital .pm__contact { background: var(--white); border: 1px solid var(--gray); }
#startkapital .pm__about-title { font-size: 1.1rem; font-weight: 700; color: var(--blue); }
#startkapital .pm__about p, #startkapital .pm__contact p { margin-top: 0.6rem; font-size: 0.95rem; }
#startkapital .pm a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .pm__back { margin-top: 2rem; }


/* Paket 1 */
#startkapital .eyebrow { display: block; font-size: 1rem; letter-spacing: 0.01em; text-transform: none; }
#startkapital .eyebrow::before { content: none; display: none; }
#startkapital .module__num::after { content: none; display: none; }
#startkapital .pagehead { min-height: 27.5rem; display: flex; align-items: flex-start; padding-top: clamp(3.5rem, 6vw, 5rem); }
#startkapital .pagehead > .container { width: 100%; }
#startkapital .steps5 { margin-top: 2rem; display: grid; gap: 1rem; grid-template-columns: 1fr; }
@media (min-width: 1000px) { #startkapital .steps5 { grid-template-columns: repeat(5, 1fr); } }
#startkapital .step5 { display: flex; flex-direction: column; background: var(--white); border-top: 4px solid var(--blue); padding: 1.25rem 1.1rem 1.4rem; }
#startkapital .step5__num { font-size: 2rem; font-weight: 700; line-height: 1; color: var(--blue); }
#startkapital .step5__title { margin-top: 0.9rem; font-size: 1.05rem; font-weight: 700; color: var(--blue); }
#startkapital .step5__text { margin-top: 0.5rem; font-size: 0.92rem; color: var(--blue-80); }
#startkapital .step5__text a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .fundstrip { margin-top: 2.5rem; padding-top: 1.5rem; border-top: 1px solid var(--gray); }
#startkapital .fundstrip__title { font-size: 1rem; font-weight: 700; color: var(--blue); }
#startkapital .fundstrip__logos { margin-top: 1rem; display: flex; flex-wrap: wrap; align-items: center; gap: 1.5rem 3rem; }
#startkapital .fundstrip__logos a { display: block; }
#startkapital .fundstrip__logos img { display: block; height: 64px; width: auto; }
#startkapital .foerderer { margin-top: 1.5rem; display: grid; grid-template-columns: 1fr; align-items: center; gap: 1rem 2.5rem; }
@media (min-width: 700px) { #startkapital .foerderer { grid-template-columns: 240px minmax(0, 1fr); } }
#startkapital .foerderer__logo { display: flex; align-items: center; justify-content: center; min-height: 112px; }
#startkapital .foerderer__logo--dark { padding: 0; border: 0; background: transparent; }
#startkapital .foerderer__darklogo { display: block; width: 100%; background: var(--blue); padding: 1.4rem 1.4rem; text-align: center; }
#startkapital .foerderer__logo .foerderer__darklogo img { display: inline-block; height: 40px; width: auto; }
#startkapital .foerderer__text a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-decoration-thickness: 2px; text-underline-offset: 3px; }
#startkapital .news-item { position: relative; }
#startkapital .news-item__title a::after { content: ""; position: absolute; inset: 0; }
#startkapital .news-item p a { position: relative; z-index: 1; }

/* Deko-Striche entfernt */


/* Stat-Quellen */
#startkapital .stat__source { display: block; margin-top: 0.5rem; color: var(--blue-40); font-size: 0.8rem; font-weight: 400; }
#startkapital .stat__source a { color: inherit; text-decoration: none; }
#startkapital .stat__source a:hover, #startkapital .stat__source a:focus-visible { text-decoration: underline; }

/* Paket 2 Rechner */
#startkapital .rc-section { padding-block: clamp(2.5rem, 6vw, 4.5rem); }
#startkapital .rc-intro { max-width: 62ch; margin-bottom: 2rem; font-size: 1.05rem; color: var(--blue-80); }
#startkapital .rc-intro a { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-underline-offset: 3px; }
#startkapital .rc { display: grid; grid-template-columns: minmax(0, 1fr); gap: 1.5rem; align-items: start; }
@media (min-width: 901px) { #startkapital .rc { grid-template-columns: minmax(0, 2fr) minmax(0, 3fr); gap: 2.5rem; } }
/* Das Ergebnis bleibt beim Scrollen durch die Regler im Bild. Auf niedrigen Bildschirmen laeuft es normal mit. */
@media (min-width: 901px) and (min-height: 820px) {
  #startkapital .rc__result { position: sticky; top: 80px; }
}

/* Gruppen und Felder */
#startkapital .rc-group { margin-bottom: 1.25rem; padding: 1.4rem 1.4rem 0.4rem; background: var(--white); }
#startkapital .rc-group__title { margin-bottom: 1.1rem; font-size: 1.15rem; font-weight: 700; line-height: 1.3; color: var(--blue); }
#startkapital .rc-group--quiet { padding: 1.1rem 1.4rem 0.3rem; background: transparent; border: 1px solid var(--sec2); }
#startkapital .rc-group--quiet .rc-group__title { margin-bottom: 0.4rem; font-size: 0.95rem; color: var(--sec1); }
#startkapital .rc-group__lead { margin-bottom: 1rem; font-size: 0.85rem; color: #666666; }
#startkapital .rc-group--quiet .rc-field__head label { font-size: 0.9rem; }
#startkapital .rc-field { padding-bottom: 1.35rem; }
#startkapital .rc-field__head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: 0.45rem; }
#startkapital .rc-field__head label, #startkapital .rc-field__label { font-size: 0.95rem; font-weight: 700; color: var(--blue); }
#startkapital .rc-field__value { font-size: 1rem; font-weight: 700; font-variant-numeric: tabular-nums; color: var(--blue); }
#startkapital .rc-field__note { margin-top: 0.5rem; font-size: 0.85rem; line-height: 1.5; color: #666666; }
#startkapital .rc-more { font-weight: 700; color: var(--blue); text-decoration: underline; text-decoration-color: currentColor; text-underline-offset: 3px; }
#startkapital .rc-more:hover { text-decoration-thickness: 2px; }

/* Regler */
#startkapital .rc-field input[type="range"] { -webkit-appearance: none; appearance: none; display: block; width: 100%; height: 28px; margin: 0; background: transparent; cursor: pointer; --p: 0%; }
#startkapital .rc-field input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: linear-gradient(to right, var(--blue) var(--p), var(--blue-20) var(--p)); }
#startkapital .rc-field input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; margin-top: -8px; border-radius: 50%; background: var(--blue); border: 3px solid var(--white); box-shadow: 0 0 0 1px var(--blue); }
#startkapital .rc-field input[type="range"]::-moz-range-track { height: 6px; border-radius: 3px; background: var(--blue-20); }
#startkapital .rc-field input[type="range"]::-moz-range-progress { height: 6px; border-radius: 3px; background: var(--blue); }
#startkapital .rc-field input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: var(--blue); border: 3px solid var(--white); box-shadow: 0 0 0 1px var(--blue); }
#startkapital .rc-marks { position: relative; height: 2rem; margin-top: -2px; }
#startkapital .rc-mark { position: absolute; top: 0; left: calc(11px + (100% - 22px) * var(--p)); transform: translateX(-50%); display: flex; flex-direction: column; align-items: center; }
#startkapital .rc-mark i { display: block; width: 2px; height: 9px; background: var(--blue); }
#startkapital .rc-mark b { margin-top: 2px; font-size: 0.75rem; font-weight: 700; white-space: nowrap; color: var(--blue); }

/* Auswahlknoepfe und Zahlenfeld */
#startkapital .rc-seg { display: flex; flex-wrap: wrap; gap: 0.4rem; }
#startkapital .rc-seg__opt { position: relative; }
#startkapital .rc-seg__opt input { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
#startkapital .rc-seg__opt span { display: block; padding: 0.5rem 0.85rem; font-size: 0.9rem; font-weight: 700; color: var(--blue); background: var(--white); border: 2px solid var(--blue); border-radius: var(--radius); }
#startkapital .rc-seg__opt:hover span { background: var(--sec2-20); }
#startkapital .rc-seg__opt input:checked + span { background: var(--blue); color: var(--white); }
#startkapital .rc-seg__opt input:focus-visible + span { outline: 3px solid var(--orange); outline-offset: 2px; }
#startkapital .rc-num { display: flex; align-items: center; gap: 0.5rem; }
#startkapital .rc-num input { width: 4.5rem; padding: 0.5rem; font: 700 1.1rem Arial, "Helvetica Neue", Helvetica, sans-serif; text-align: center; color: var(--blue); background: var(--white); border: 2px solid var(--blue); border-radius: var(--radius); -moz-appearance: textfield; appearance: textfield; }
#startkapital .rc-num input::-webkit-outer-spin-button, #startkapital .rc-num input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
#startkapital .rc-num__btn { position: relative; width: 2.6rem; height: 2.6rem; padding: 0; background: var(--white); border: 2px solid var(--blue); border-radius: var(--radius); cursor: pointer; }
#startkapital .rc-num__btn:hover { background: var(--sec2-20); }
#startkapital .rc-num__btn::before { content: ""; position: absolute; left: 50%; top: 50%; width: 14px; height: 2px; background: var(--blue); transform: translate(-50%, -50%); }
#startkapital .rc-num__btn--plus::after { content: ""; position: absolute; left: 50%; top: 50%; width: 2px; height: 14px; background: var(--blue); transform: translate(-50%, -50%); }
#startkapital .rc-num__unit { font-size: 0.95rem; color: var(--blue-80); }

/* Schalter */
#startkapital .rc-switch { position: relative; display: inline-flex; align-items: center; gap: 0.65rem; margin-top: 0.9rem; font-size: 0.92rem; font-weight: 700; color: var(--blue); cursor: pointer; }
#startkapital .rc-switch input { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
#startkapital .rc-switch__ui { position: relative; flex: 0 0 auto; width: 2.6rem; height: 1.5rem; border-radius: 999px; background: var(--blue-40); transition: background 0.15s ease; }
#startkapital .rc-switch__ui::after { content: ""; position: absolute; top: 3px; left: 3px; width: calc(1.5rem - 6px); height: calc(1.5rem - 6px); border-radius: 50%; background: var(--white); transition: transform 0.15s ease; }
#startkapital .rc-switch input:checked + .rc-switch__ui { background: var(--blue); }
#startkapital .rc-switch input:checked + .rc-switch__ui::after { transform: translateX(1.1rem); }
#startkapital .rc-switch input:focus-visible + .rc-switch__ui { outline: 3px solid var(--orange); outline-offset: 2px; }
#startkapital .rc-switch input:disabled { cursor: not-allowed; }
#startkapital .rc-switch input:disabled + .rc-switch__ui { opacity: 0.45; }
#startkapital .rc-switch input:disabled ~ .rc-switch__text { color: var(--blue-60); }

/* Ergebnis */
#startkapital .rc__result { padding: 1.5rem 1.5rem 1.25rem; background: var(--white); scroll-margin-top: 100px; }
#startkapital .rc-main { scroll-margin-top: 100px; }
#startkapital .rc-main__text { color: var(--blue-80); font-size: 1rem; }
#startkapital .rc-main__lead, #startkapital .rc-main__sub { display: block; }
#startkapital .rc-main__num { display: block; margin: 0.15rem 0; font-size: clamp(2.4rem, 7vw, 3.4rem); font-weight: 700; line-height: 1.1; color: var(--blue); font-variant-numeric: tabular-nums; }
#startkapital .rc-line { margin-top: 0.9rem; font-size: 0.98rem; }
#startkapital .rc-chart { margin-top: 1.4rem; }
#startkapital .rc-chart:focus-visible { outline: 3px solid var(--orange); outline-offset: 4px; }
#startkapital .rc-chart__svg { display: block; width: 100%; height: auto; touch-action: pan-y; cursor: crosshair; }
#startkapital .rc-chart__grid { stroke: var(--gray); stroke-width: 1; }
#startkapital .rc-chart__tick { font: 12px Arial, "Helvetica Neue", Helvetica, sans-serif; fill: #666666; }
#startkapital .rc-chart__area { fill: #96B2D6; fill-opacity: 0.3; stroke: none; }
#startkapital .rc-chart__line { fill: none; stroke-width: 2.5; stroke-linejoin: round; stroke-linecap: round; }
#startkapital .rc-chart__line--exp { stroke: #0D2958; }
#startkapital .rc-chart__line--ohne { stroke: #666666; stroke-width: 2; }
#startkapital .rc-chart__line--late { stroke: #516A93; stroke-dasharray: 6 5; }
#startkapital .rc-chart__cursor { stroke: #0D2958; stroke-width: 1; stroke-dasharray: 2 3; }
#startkapital .rc-chart__dot { fill: #0D2958; stroke: #FFFFFF; stroke-width: 2; }
#startkapital .rc-legend { display: flex; flex-wrap: wrap; gap: 0.35rem 1.25rem; margin-top: 0.6rem; font-size: 0.85rem; color: var(--blue-80); }
#startkapital .rc-legend li[hidden] { display: none; }
#startkapital .rc-legend__sw { display: inline-block; width: 22px; height: 0; margin-right: 0.45rem; vertical-align: middle; border-top: 3px solid; }
#startkapital .rc-legend__sw--area { height: 12px; border: 0; background: rgba(150, 178, 214, 0.3); }
#startkapital .rc-legend__sw--exp { border-color: #0D2958; }
#startkapital .rc-legend__sw--ohne { border-color: #666666; border-top-width: 2px; }
#startkapital .rc-legend__sw--late { border-top-style: dashed; border-color: #516A93; }
#startkapital .rc-chart__readout { margin-top: 0.6rem; min-height: 2.6em; font-size: 0.88rem; line-height: 1.5; color: #666666; }
#startkapital .rc-chart__desc { margin-top: 0.5rem; font-size: 0.85rem; line-height: 1.5; color: #666666; }
#startkapital .rc-chart__tablebtn { margin-top: 0.5rem; }
#startkapital .rc-linkbtn { padding: 0; font: inherit; font-size: 0.9rem; font-weight: 700; color: var(--blue); background: none; border: 0; text-decoration: underline; text-decoration-color: currentColor; text-underline-offset: 3px; cursor: pointer; }
#startkapital .rc-tablewrap { margin-top: 0.6rem; overflow-x: auto; }
#startkapital .rc-tbl { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
#startkapital .rc-tbl caption { padding-bottom: 0.4rem; font-size: 0.85rem; text-align: left; color: #666666; }
#startkapital .rc-tbl th, #startkapital .rc-tbl td { padding: 0.5rem 0.7rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--blue-20); }
#startkapital .rc-tbl thead th { background: var(--sec2-20); font-weight: 700; }
#startkapital .rc-tbl tbody th { font-weight: 400; }
#startkapital .rc-tbl--values td, #startkapital .rc-tbl--values th { white-space: nowrap; font-variant-numeric: tabular-nums; }

#startkapital .rc-parts__title { margin-top: 1.6rem; font-size: 1rem; font-weight: 700; color: var(--blue); }
#startkapital .rc-parts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0.6rem; margin-top: 0.7rem; }
@media (min-width: 1100px) { #startkapital .rc-parts { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
#startkapital .rc-parts li { display: flex; flex-direction: column; gap: 0.2rem; padding: 0.8rem 0.85rem; background: var(--sec2-20); }
#startkapital .rc-parts__label { font-size: 0.8rem; line-height: 1.35; color: var(--blue-80); }
#startkapital .rc-parts strong { font-size: 1.15rem; font-variant-numeric: tabular-nums; color: var(--blue); }
#startkapital .rc-parts__note { font-size: 0.75rem; line-height: 1.35; color: #666666; }
#startkapital .rc-parts__note[hidden] { display: none; }
#startkapital .rc-note { margin-top: 1.1rem; font-size: 0.8rem; line-height: 1.5; color: #666666; }

/* Leiste am Handy */
#startkapital .rc-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 90; display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 0.7rem 1.25rem; color: var(--white); background: var(--blue); }
#startkapital .rc-bar[hidden] { display: none; }
#startkapital .rc-bar__text { font-size: 0.95rem; font-weight: 700; }
#startkapital .rc-bar__link { flex: 0 0 auto; font-size: 0.9rem; color: var(--white); text-decoration: underline; text-decoration-color: currentColor; text-underline-offset: 3px; }
@media (min-width: 901px) { #startkapital .rc-bar, #startkapital .rc-bar[hidden] { display: none; } }

/* Unterricht und Aufklappfelder */
#startkapital .rc-teach-section { padding-bottom: 0; }
#startkapital .rc-teach { padding: clamp(1.5rem, 4vw, 2.5rem); background: var(--sec2-20); }
#startkapital .rc-teach__title { font-size: 1.4rem; font-weight: 700; line-height: 1.3; color: var(--blue); }
#startkapital .rc-teach__list { display: grid; gap: 0.7rem; margin-top: 1rem; padding-left: 1.4rem; list-style: decimal; max-width: 72ch; }
#startkapital .rc-more-head { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; margin-bottom: 1.25rem; }
#startkapital .rc-more-head .section__title { margin: 0; font-size: clamp(1.5rem, 3.2vw, 2rem); }
#startkapital .rc-acc { border-top: 1px solid var(--blue-20); }
#startkapital .rc-det { border-bottom: 1px solid var(--blue-20); scroll-margin-top: 100px; }
#startkapital .rc-det summary { position: relative; padding: 1rem 2.5rem 1rem 0; font-size: 1.05rem; font-weight: 700; color: var(--blue); list-style: none; cursor: pointer; }
#startkapital .rc-det summary::-webkit-details-marker { display: none; }
#startkapital .rc-det summary::after { content: ""; position: absolute; right: 0.4rem; top: 50%; width: 9px; height: 9px; border-right: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: translateY(-70%) rotate(45deg); transition: transform 0.15s ease; }
#startkapital .rc-det[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
#startkapital .rc-det__body { display: grid; gap: 0.85rem; max-width: 72ch; padding: 0 0 1.25rem; font-size: 0.98rem; }
#startkapital .rc-det__body a { font-weight: 700; text-decoration: underline; text-decoration-color: currentColor; text-underline-offset: 3px; }
#startkapital .rc-list { display: grid; gap: 0.5rem; padding-left: 1.2rem; list-style: disc; }
#startkapital .rc-det--solutions { margin-top: 1.25rem; border-top: 1px solid var(--sec2); border-bottom: 0; }
#startkapital .rc-end { margin-top: 2.5rem; }
#startkapital .rc-end .btnrow { margin-top: 0; }
#startkapital .rc-end__link { margin-top: 1.25rem; }
#startkapital .rc-end__link a { font-weight: 700; text-decoration: underline; text-decoration-color: currentColor; text-underline-offset: 3px; }
@media (max-width: 1040px) {
  #startkapital .rc__result, #startkapital .rc-main, #startkapital .rc-det { scroll-margin-top: 140px; }
}
@media (max-width: 900px) {
  #startkapital .rc-section { padding-bottom: 5rem; }
}

/* Paket 2 Nachtrag */
#startkapital .rc-line--later { margin-top: 0.7rem; padding: 0.7rem 0.9rem; background: var(--sec2-20); font-weight: 700; }
#startkapital .rc-line--later[hidden] { display: none; }
#startkapital .rc-chart__line--late { stroke-width: 3; }

/* Paket 2 Kompakt */
#startkapital .rc-section { padding-block: 2.25rem 2.75rem; }
#startkapital .rc-intro { margin-bottom: 1.25rem; font-size: 1rem; }
#startkapital .rc { gap: 1.25rem; }
@media (min-width: 901px) { #startkapital .rc { gap: 2rem; } }
#startkapital .rc-group { margin-bottom: 0.9rem; padding: 1rem 1.25rem 0.1rem; }
#startkapital .rc-group--quiet { padding: 0.9rem 1.25rem 0.1rem; }
#startkapital .rc-group__title { margin-bottom: 0.75rem; font-size: 1.05rem; }
#startkapital .rc-group--quiet .rc-group__title { margin-bottom: 0.3rem; font-size: 0.92rem; }
#startkapital .rc-group__lead { margin-bottom: 0.75rem; }
#startkapital .rc-field { padding-bottom: 0.9rem; }
#startkapital .rc-field__head { margin-bottom: 0.15rem; }
#startkapital .rc-field__note { margin-top: 0.25rem; font-size: 0.8rem; line-height: 1.4; }
#startkapital .rc-field input[type="range"] { height: 24px; }
#startkapital .rc-marks { height: 1.6rem; }
#startkapital .rc-switch { margin-top: 0.6rem; }
#startkapital .rc__result { padding: 1.25rem 1.25rem 1rem; }
#startkapital .rc-line { margin-top: 0.6rem; }
#startkapital .rc-chart { margin-top: 1rem; }
#startkapital .rc-parts__title { margin-top: 1.1rem; }
#startkapital .rc-note { margin-top: 0.8rem; }
#startkapital .rc-teach-section { padding-block: 2.5rem 0; }
#startkapital .rc-more-section { padding-block: 2.5rem 3rem; }
#startkapital .rc-det summary { padding-block: 0.8rem; }
#startkapital .rc-end { margin-top: 1.5rem; }
#startkapital .rc-end__link { margin-top: 0; }

/* Paket 2 Profilzeile */
@media (min-width: 901px) {
  #startkapital .rc-profile .rc-group { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); column-gap: 2rem; align-items: start; padding-bottom: 0.4rem; }
  #startkapital .rc-profile .rc-group__title { grid-column: 1 / -1; }
}
#startkapital .rc-profile { margin-bottom: 0.9rem; }
#startkapital .rc-profile .rc-group { margin-bottom: 0; }


/* Formular-Falle */
#startkapital .form__hp { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* Menue enger */
@media (min-width: 1041px) and (max-width: 1100px) {
  .sk-hnav__link { padding: 4px 6px; }
  .sk-hnav__link::after { left: 6px; right: 6px; }
  .sk-hnav__link--cta { padding: 5px 8px; }
}

/* Kostenrechner */
#startkapital .kc-section .rc-group { margin-bottom: 1rem; }
#startkapital .kc-grid { display: grid; grid-template-columns: 1fr; column-gap: 1.75rem; }
@media (min-width: 640px) { #startkapital .kc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { #startkapital .kc-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
#startkapital .kc-field { padding-bottom: 1rem; }
#startkapital .kc-field label { display: block; margin-bottom: 0.35rem; font-size: 0.92rem; font-weight: 700; color: var(--blue); }
#startkapital .kc-input { display: flex; align-items: center; gap: 0.5rem; }
#startkapital .kc-input input { flex: 1 1 auto; min-width: 0; padding: 0.55rem 0.7rem; font: 700 1rem Arial, "Helvetica Neue", Helvetica, sans-serif; text-align: right; color: var(--blue); background: var(--white); border: 2px solid var(--blue); border-radius: var(--radius); }
#startkapital .kc-input input[aria-invalid="true"] { border-style: dashed; background: var(--gray-20); }
#startkapital .kc-unit { flex: 0 0 auto; min-width: 2.6rem; font-size: 0.9rem; color: var(--blue-80); }
#startkapital .kc-err { margin-top: 0.3rem; font-size: 0.82rem; font-weight: 700; color: var(--blue); }
#startkapital .kc-err[hidden] { display: none; }
#startkapital .kc-h2 { margin-top: 1.75rem; font-size: 1.3rem; font-weight: 700; line-height: 1.3; color: var(--blue); }
#startkapital .kc-lead { margin-top: 0.4rem; font-size: 0.95rem; color: var(--blue-80); max-width: 64ch; }
#startkapital .kc-scen { display: grid; grid-template-columns: 1fr; gap: 0.9rem; margin-top: 1rem; }
@media (min-width: 800px) { #startkapital .kc-scen { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
#startkapital .kc-card { padding: 1rem 1.25rem 0.1rem; background: var(--white); }
#startkapital .kc-card__title { margin-bottom: 0.8rem; font-size: 1.05rem; font-weight: 700; color: var(--blue); }
#startkapital .kc-invalid { margin-top: 1rem; padding: 0.7rem 0.9rem; font-weight: 700; background: var(--white); border: 2px dashed var(--blue); }
#startkapital .kc-invalid[hidden] { display: none; }
#startkapital .kc-tablewrap { margin-top: 0.8rem; overflow-x: auto; background: var(--white); }
#startkapital .kc-results { min-width: 0; }
@media (max-width: 600px) { #startkapital .kc-results th, #startkapital .kc-results td { padding: 0.5rem 0.4rem; font-size: 0.82rem; } }
#startkapital .kc-results th, #startkapital .kc-results td { padding: 0.65rem 0.8rem; }
#startkapital .kc-results td { font-variant-numeric: tabular-nums; font-weight: 700; color: var(--blue); }
#startkapital .kc-results tbody th { font-weight: 400; color: var(--blue-80); }
#startkapital .kc-rule { margin-top: 1rem; padding: 0.8rem 1rem; font-weight: 700; background: var(--sec2-20); }
#startkapital .kc-chart { margin-top: 1.25rem; padding: 1rem 1.25rem; background: var(--white); }
#startkapital .kc-line--b { stroke: #516A93; stroke-dasharray: 7 5; stroke-width: 2.5; }
#startkapital .kc-line--c { stroke: #6E7F9B; stroke-dasharray: 2 4; stroke-width: 3; }
#startkapital .kc-sw--b { border-top-style: dashed; border-color: #516A93; }
#startkapital .kc-sw--c { border-top-style: dotted; border-color: #6E7F9B; border-top-width: 3px; }
#startkapital .kc-section .hinweis { margin-top: 1.25rem; }
#startkapital .kc-det { margin-top: 1.25rem; border-top: 1px solid var(--blue-20); }
#startkapital .kc-section .hinweis { padding: 1rem 1.25rem; background: var(--white); }

/* Startseite Partner */
#startkapital .hero > .container > .hero__claim { grid-row: 3 / span 3; align-self: start; margin-top: 0.5rem; padding-top: 0; }
#startkapital .partners { padding-block: clamp(2rem, 5vw, 3rem); }
#startkapital .partners__title { margin-bottom: 1.25rem; font-size: 1.1rem; font-weight: 700; color: var(--blue); }
#startkapital .partners__logos { display: flex; flex-wrap: wrap; align-items: center; gap: 1.5rem 3rem; }
#startkapital .partners__logo { display: block; }
#startkapital .partners__logo img { display: block; width: auto; height: 56px; }
#startkapital .partners__logo--dark { padding: 0.9rem 1.2rem; background: var(--blue); }
#startkapital .partners__logo--dark img { height: 36px; }
#startkapital #sk-ueber-bvh { border-top: 1px solid rgba(150, 178, 214, 0.28); }

/* Rechner Schalter */
#startkapital .rc-switches { display: flex; flex-wrap: wrap; gap: 0 1.75rem; }
#startkapital .rc-main + .rc-line { margin-top: 0.8rem; }

/* Feinschliff */
#startkapital #sk-ueber-bvh { border-top: 0; }
#startkapital #sk-ueber-bvh .bvh__desc { color: var(--blue-80); }
#startkapital #sk-ueber-bvh .bvh__num { color: var(--blue); }
#startkapital #sk-ueber-bvh .bvh__figlabel { color: var(--sec1); }
#startkapital #sk-ueber-bvh .bvh__figure { border-top: 1px solid var(--blue-20); }
#startkapital #sk-ueber-bvh .bvh__figure:last-child { border-bottom: 1px solid var(--blue-20); }
#startkapital a.btn, #startkapital .prose a.btn, #startkapital p a.btn { text-decoration: none; }
#startkapital .downloads { align-items: stretch; }
#startkapital .download { display: flex; flex-direction: column; }
#startkapital .download .btn { margin-top: auto; align-self: flex-start; }
#startkapital .downloads--single { grid-template-columns: minmax(0, 24rem); }

/* Seitenkopf */
#startkapital .pagehead { padding-bottom: 2.5rem; }

/* Sparplanrechner */
#startkapital .sp-result { margin-top: 1rem; padding: 1.25rem 1.25rem 1rem; background: var(--white); }
#startkapital .sp-parts { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 640px) { #startkapital .sp-parts { grid-template-columns: 1fr; } }

/* Fruehstart-Rente-Rechner */
#startkapital .kc-pflicht { margin-bottom: 1rem; padding: 1rem 1.25rem; background: var(--white); }
#startkapital .kc-section .hinweis { max-width: none; }
#startkapital .kc-facts { margin-bottom: 1rem; }

/* Material Rueckmeldung */
#startkapital .newsletter-hint { display: flex; flex-wrap: wrap; align-items: center; gap: 0.75rem 1.5rem; max-width: none; margin: 0 0 1.5rem; }
#startkapital .newsletter-hint p { margin: 0; }
#startkapital #sk-downloads { padding-bottom: 2rem; }
#startkapital #rueckmeldung { padding-top: 2rem; }

/* Material Freigabe */
#startkapital [hidden] { display: none !important; }
#startkapital .material-gate { margin: 1.5rem 0 2rem; padding: 1.5rem 1.75rem 1.75rem; background: var(--white); border: 1px solid var(--gray); border-top: 4px solid var(--blue); border-radius: var(--radius); }
#startkapital .material-gate__intro p { margin: 0.5rem 0 0; color: var(--sec1); max-width: 62ch; }
#startkapital .material-gate .form { margin-top: 1.25rem; }
#startkapital .material-gate .form__checkgrid { grid-template-columns: repeat(2, minmax(0, 12rem)); }
#startkapital .material-gate .form__checks .form__note { margin-top: 0.6rem; }
#startkapital .material-gate.is-done .material-gate__intro,
#startkapital .material-gate.is-done .form > *:not(.form__status) { display: none; }
#startkapital .material-gate.is-done .form { margin-top: 0; }
#startkapital .btn.is-locked,
#startkapital .btn.is-locked:hover { background: var(--gray); border-color: var(--gray); color: var(--sec1); cursor: pointer; }

/* Traeger */
#startkapital .traeger { display: grid; grid-template-columns: minmax(10rem, 14rem) 1fr; gap: clamp(1.5rem, 4vw, 3rem); align-items: start; margin-top: 1.5rem; padding: clamp(1.5rem, 3vw, 2.25rem); background: var(--gray-20); border: 1px solid var(--gray); border-top: 4px solid var(--blue); border-radius: var(--radius); }
#startkapital .traeger__brand { display: flex; align-items: center; justify-content: center; padding: 1.5rem; background: var(--blue); border-radius: var(--radius); }
#startkapital .traeger__brand img { display: block; width: 100%; max-width: 9rem; height: auto; }
#startkapital .traeger__body .prose { margin-top: 0; }
#startkapital .traeger__body .facts { margin-top: 1.5rem; }
@media (max-width: 700px) { #startkapital .traeger { grid-template-columns: 1fr; } #startkapital .traeger__brand { max-width: 14rem; } }