:root {
  --green: #0f5132;
  --green-2: #146c43;
  --mint: #d8f3e3;
  --mint-2: #7bd8a5;
  --bg: #faf8f3;
  --paper: #ffffff;
  --ink: #1b2420;
  --muted: #5b6863;
  --line: #e6e2d8;
  --warn: #fff4d6;
  --warn-line: #f0c75e;
  --radius: 14px;
  --serif: "Iowan Old Style", "Charter", "Bitstream Charter", "Sitka Text", Cambria, Georgia, serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 17px/1.65 var(--sans); }
img, svg { max-width: 100%; height: auto; }
a { color: var(--green-2); text-underline-offset: 3px; }
a:hover { color: var(--green); }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--green); color: #fff; padding: 8px 12px; z-index: 10; }
.skip:focus { left: 8px; }

/* Header */
.site-header { background: var(--paper); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-size: 1.15rem; letter-spacing: -.01em; }
.logo b { color: var(--green); font-weight: 700; }
.logo-mark { width: 32px; height: 32px; }
.menu summary { list-style: none; cursor: pointer; display: none; width: 40px; height: 40px; border-radius: 10px; padding: 11px 9px; }
.menu summary::-webkit-details-marker { display: none; }
.menu summary span { display: block; height: 2px; background: var(--ink); margin-bottom: 5px; border-radius: 2px; }
.menu nav ul { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; }
.menu nav a { display: block; padding: 8px 10px; border-radius: 8px; text-decoration: none; color: var(--ink); font-size: .92rem; font-weight: 500; }
.menu nav a:hover { background: var(--mint); color: var(--green); }
.menu:not([open]) nav { display: block; }

@media (max-width: 960px) {
  .menu summary { display: block; }
  .menu:not([open]) nav { display: none; }
  .menu[open] nav { position: absolute; left: 0; right: 0; top: 64px; background: var(--paper); border-bottom: 1px solid var(--line); padding: 8px 20px 16px; box-shadow: 0 12px 24px rgba(0,0,0,.06); }
  .menu nav ul { flex-direction: column; }
}

/* Hero */
.hero { background: radial-gradient(1200px 400px at 85% -10%, #1f7a50 0%, transparent 60%), linear-gradient(160deg, #0c3f27, #0f5132 60%, #136140); color: #fff; }
.hero-inner { display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; padding: 72px 20px 80px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; color: var(--mint-2); font-weight: 600; margin: 0 0 14px; }
.hero h1 { font-family: var(--serif); font-size: clamp(2rem, 4.4vw, 3.1rem); line-height: 1.12; margin: 0 0 18px; letter-spacing: -.015em; font-weight: 600; }
.hero .lead { color: #d9eee3; font-size: 1.12rem; max-width: 36em; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.btn { display: inline-block; background: var(--mint-2); color: #08311e; padding: 13px 22px; border-radius: 999px; font-weight: 650; text-decoration: none; }
.btn:hover { background: #a3e8c2; color: #08311e; }
.btn-ghost { background: transparent; color: #fff; box-shadow: inset 0 0 0 1.5px rgba(255,255,255,.5); }
.btn-ghost:hover { background: rgba(255,255,255,.1); color: #fff; }
.hero-card { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16); border-radius: 20px; padding: 22px; backdrop-filter: blur(6px); }
.hero-card-title { margin: 0 0 10px; font-weight: 650; color: var(--mint-2); }
.hero-card a { display: block; padding: 12px 14px; border-radius: 12px; color: #fff; text-decoration: none; transition: background .15s; }
.hero-card a + a { border-top: 1px solid rgba(255,255,255,.1); }
.hero-card a:hover { background: rgba(255,255,255,.08); }
.hero-card span { display: block; font-weight: 600; }
.hero-card small { color: #b8dcc8; }
@media (max-width: 860px) { .hero-inner { grid-template-columns: 1fr; padding: 48px 20px 56px; gap: 32px; } }

/* Sections */
.section { margin: 56px 0; }
.section-title { font-family: var(--serif); font-size: 1.7rem; margin: 0 0 20px; letter-spacing: -.01em; }
.cat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.cat-tile { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; text-decoration: none; color: var(--ink); transition: transform .15s, box-shadow .15s; border-top: 4px solid var(--c, var(--green)); }
.cat-tile:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(15,81,50,.08); color: var(--ink); }
.cat-tile h3 { margin: 0 0 6px; font-size: 1.08rem; }
.cat-tile p { margin: 0 0 12px; color: var(--muted); font-size: .94rem; }
.cat-tile span { font-size: .82rem; color: var(--green-2); font-weight: 600; }
@media (max-width: 860px) { .cat-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .cat-grid { grid-template-columns: 1fr; } }

.cat-schulden { --c: #c2410c; }
.cat-konto-schufa { --c: #1d4ed8; }
.cat-budget { --c: #0f766e; }
.cat-kredite { --c: #7c3aed; }
.cat-geldanlage { --c: #15803d; }
.cat-wohnen-alltag { --c: #b45309; }

.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 960px) { .grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .grid { grid-template-columns: 1fr; } }
.card a { display: flex; flex-direction: column; height: 100%; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-decoration: none; color: var(--ink); transition: transform .15s, box-shadow .15s; }
.card a:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(15,81,50,.09); color: var(--ink); }
.card h3 { font-family: var(--serif); font-size: 1.22rem; line-height: 1.3; margin: 10px 0 8px; font-weight: 600; }
.card p { color: var(--muted); font-size: .95rem; margin: 0 0 14px; flex: 1; }
.card-meta { font-size: .82rem; color: var(--muted); }
.card-cat { display: inline-block; align-self: flex-start; font-size: .74rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--c); background: color-mix(in srgb, var(--c) 10%, white); padding: 4px 9px; border-radius: 999px; text-decoration: none; }

.trust { background: var(--mint); border-radius: 20px; padding: 32px 36px; }
.trust h2 { font-family: var(--serif); margin-top: 0; }
.trust p { max-width: 52em; }

/* Kategorie */
.cat-head { margin: 8px 0 32px; }
.cat-head h1 { font-family: var(--serif); font-size: clamp(1.9rem, 4vw, 2.6rem); margin: 0 0 8px; }
.cat-head .lead { color: var(--muted); font-size: 1.1rem; }

/* Artikel */
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 24px 0 8px; font-size: .86rem; color: var(--muted); }
.crumbs li + li::before { content: "›"; margin-right: 6px; color: #a5aea9; }
.crumbs a { color: var(--muted); }
.article-wrap { max-width: 780px; }
.article { background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: 40px 48px 36px; margin-bottom: 40px; }
@media (max-width: 640px) { .article { padding: 24px 20px; border-radius: 14px; } }
.article-head h1 { font-family: var(--serif); font-size: clamp(1.85rem, 4.2vw, 2.55rem); line-height: 1.15; margin: 14px 0 14px; letter-spacing: -.015em; font-weight: 600; }
.article-head .lead { font-size: 1.15rem; color: #34413b; margin: 0 0 14px; }
.meta { font-size: .86rem; color: var(--muted); margin: 0 0 8px; }
.meta a { color: var(--muted); }

.toc { background: #f5f3ec; border-radius: 12px; padding: 14px 20px; margin: 24px 0 8px; }
.toc summary { cursor: pointer; font-weight: 650; }
.toc ol { margin: 10px 0 4px; padding-left: 22px; }
.toc li { margin: 4px 0; font-size: .95rem; }

.prose h2 { font-family: var(--serif); font-size: 1.6rem; line-height: 1.25; margin: 2.1em 0 .6em; letter-spacing: -.01em; font-weight: 600; scroll-margin-top: 80px; }
.prose h3 { font-size: 1.15rem; margin: 1.7em 0 .4em; }
.prose p, .prose ul, .prose ol { margin: 0 0 1.05em; }
.prose li { margin: .3em 0; }
.prose blockquote { margin: 1.5em 0; padding: 16px 20px; background: var(--mint); border-left: 4px solid var(--green-2); border-radius: 0 12px 12px 0; }
.prose blockquote p:last-child { margin-bottom: 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.4em 0; font-size: .95rem; display: block; overflow-x: auto; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { background: #f5f3ec; font-weight: 650; }
.prose code { background: #f1efe7; padding: 2px 5px; border-radius: 5px; font-size: .9em; }

.faq { margin-top: 2.4em; }
.faq h2 { font-family: var(--serif); font-size: 1.6rem; }
.faq-item { border: 1px solid var(--line); border-radius: 12px; padding: 4px 18px; margin: 10px 0; background: #fcfbf8; }
.faq-item summary { cursor: pointer; font-weight: 600; padding: 10px 0; }
.faq-item p { margin: 0 0 14px; }

.note-box { background: var(--warn); border: 1px solid var(--warn-line); border-radius: 12px; padding: 14px 18px; margin: 32px 0 20px; font-size: .93rem; }
.author-box { display: flex; gap: 16px; align-items: flex-start; border-top: 1px solid var(--line); padding-top: 22px; margin-top: 8px; font-size: .93rem; color: var(--muted); }
.author-box p { margin: 0 0 4px; }
.author-name { color: var(--ink); font-weight: 650; }
.author-avatar { flex: 0 0 48px; height: 48px; border-radius: 50%; background: var(--green); color: #fff; display: grid; place-items: center; font-weight: 700; }
.related { margin-bottom: 64px; }
.related h2 { font-family: var(--serif); }
.related .grid { grid-template-columns: 1fr; }
@media (min-width: 700px) { .related .grid { grid-template-columns: repeat(3, 1fr); } }
.related .card p { display: none; }

/* Werbung: Platz reservieren, damit nichts springt (CLS) */
.ad { margin: 2em 0; min-height: 280px; background: #f7f6f1; border-radius: 10px; padding: 8px; text-align: center; }
.ad-label { display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .1em; color: #8a948f; margin-bottom: 4px; }

/* Rechner */
.tool { border: 1.5px solid var(--green-2); border-radius: 16px; padding: 20px 22px; margin: 1.8em 0; background: linear-gradient(180deg, #f3fbf6, #fff); }
.tool h3 { margin: 0 0 14px; font-size: 1.1rem; }
.tool label { display: block; font-size: .9rem; font-weight: 600; color: #34413b; }
.tool input { display: block; width: 100%; margin-top: 6px; padding: 10px 12px; font: inherit; border: 1px solid #cdd6d1; border-radius: 10px; background: #fff; }
.tool input:focus { outline: 2px solid var(--mint-2); border-color: var(--green-2); }
.tool-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 14px; }
.tool-out { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 10px; margin-top: 16px; }
.tool-out div { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; }
.tool-out span { display: block; font-size: .82rem; color: var(--muted); }
.tool-out strong { font-size: 1.3rem; color: var(--green); }
.tool-note { font-size: .82rem; color: var(--muted); margin: 12px 0 0; }

/* Footer */
.site-footer { background: #0c2a1d; color: #c6d6cd; padding: 56px 0 24px; font-size: .93rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; }
.site-footer h2 { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: #fff; margin: 4px 0 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 6px 0; }
.site-footer a { color: #c6d6cd; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.logo-footer { color: #fff; }
.logo-footer b { color: var(--mint-2); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 36px; padding-top: 18px; font-size: .82rem; color: #8fa89a; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

@media print { .site-header, .site-footer, .ad, .related, .toc { display: none; } .article { border: 0; padding: 0; } }