*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f5f8fa;color:#173243;font:16px/1.6 system-ui,-apple-system,"Segoe UI",sans-serif}a{color:#155576}a:hover{text-decoration:underline}button,.btn{cursor:pointer;font:inherit}img{max-width:100%;display:block}h1,h2,h3{line-height:1.12;letter-spacing:-.025em;margin:0 0 .7rem}h1{font-size:clamp(2.5rem,5vw,4.5rem)}h2{font-size:clamp(1.7rem,3vw,2.35rem)}h3{font-size:1.14rem}p{max-width:72ch;margin:.1rem 0 1rem}.skip{position:absolute;top:-100px;left:1rem;background:white;padding:.5rem;border-radius:8px;z-index:100}.skip:focus{top:12px}.top{background:#0c3e50;color:white;padding:.45rem max(1rem,calc((100vw - 1180px)/2));display:flex;justify-content:flex-end;gap:1.4rem;font-size:.77rem}.top a,.top span{color:white;text-decoration:none}.nav-wrap{background:#fff;border-bottom:1px solid #dbe6eb;position:sticky;top:0;z-index:30;backdrop-filter:saturate(180%) blur(10px)}.nav{max-width:1180px;margin:auto;min-height:90px;padding:14px 24px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:2rem}.brand img{max-width:182px;width:100%;height:auto;max-height:62px;object-fit:contain;object-position:left}.nav nav{display:flex;flex-wrap:wrap;justify-content:center;gap:1.4rem}.nav nav a{text-decoration:none;font-weight:700;color:#173243;font-size:.93rem;padding:.3rem 0;border-bottom:2px solid transparent}.nav nav a[aria-current=page],.nav nav a:hover{border-color:#d6b27f}.contact-btn{background:#0f4153;color:#fff;padding:.85rem 1.2rem;border-radius:999px;text-decoration:none;white-space:nowrap}.hero{position:relative;background:linear-gradient(125deg,#0b3142,#22586d);color:#fff;overflow:hidden}.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 12% 18%,rgba(255,255,255,.08),transparent 34%),linear-gradient(90deg,rgba(7,31,43,.7) 0%,rgba(7,31,43,.55) 42%,rgba(7,31,43,0) 67%)}.hero-inner{position:relative;max-width:1180px;margin:auto;padding:76px 24px 84px;display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,500px);gap:42px;align-items:center}.hero-copy>h1,.hero-copy>p{max-width:720px}.hero-copy>p{font-size:1.1rem}.hero-copy .micro{font-size:.95rem;color:#dfeef2;margin-top:1.1rem}.eyebrow{font-size:.8rem;letter-spacing:.12em;font-weight:800;text-transform:uppercase;color:#b7d7e2;margin-bottom:1rem}.hero-media{min-height:420px;border-radius:28px;background:center/cover no-repeat url('/assets/hero-privatkunden.svg');box-shadow:0 24px 70px rgba(9,31,43,.22);border:1px solid rgba(255,255,255,.22)}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:1.6rem}.section{max-width:1180px;padding:62px 24px;margin:auto}.section-muted{background:#eef4f7}.section-intro{margin-bottom:1.2rem}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:26px}.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{padding:24px;border:1px solid #dce6eb;border-radius:18px;background:#fff;box-shadow:0 12px 28px rgba(16,45,59,.08);color:inherit;text-decoration:none}.card p{color:#546773;font-size:.95rem}.card h3{margin:0 0 .55rem}.icon-card .symbol{font-size:2rem;color:#0a536b}.media-card{overflow:hidden;padding:0;display:flex;flex-direction:column}.media-card .card-media{height:176px;background-position:center;background-size:cover;background-repeat:no-repeat}.media-card .card-body{padding:22px}.media-card.privathaftpflicht .card-media{background-image:url('/assets/section-liability.svg')}.media-card.hausrat .card-media{background-image:url('/assets/section-household.svg')}.media-card.kfz .card-media{background-image:url('/assets/section-kfz.svg')}.media-card.rechtsschutz .card-media{background-image:url('/assets/section-legal.svg')}.media-card.berufsunfaehigkeit .card-media{background-image:url('/assets/section-bu.svg')}.media-card .more{font-weight:700;color:#165873}.benefit-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:20px}.benefit{padding:24px;border-radius:18px;background:#fff;border:1px solid #dbe6eb;box-shadow:0 10px 24px rgba(16,45,59,.06)}.benefit p{margin-bottom:0}.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:24px}.step{background:#fff;border:1px solid #dbe6eb;border-radius:18px;padding:22px;box-shadow:0 10px 24px rgba(16,45,59,.06)}.step-number{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:#0f4153;color:#fff;font-weight:800;margin-bottom:14px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 21px;border-radius:10px;text-decoration:none;font-weight:700;border:1px solid transparent}.gold{background:#e5bd78;color:#153143}.outline{color:#fff;border-color:rgba(255,255,255,.7)}.secondary{color:#173243;background:#e8eff2;border:1px solid #cad9e0}.split-cta{max-width:1180px;margin:0 auto 72px;padding:0 24px}.split-cta-inner{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(300px,.92fr);border-radius:28px;overflow:hidden;background:#103c4e;color:#fff;box-shadow:0 22px 60px rgba(13,41,54,.18)}.split-cta-copy{padding:44px}.split-cta-copy p{color:#dbe8ec}.split-cta-media{min-height:340px;background:center/cover no-repeat url('/assets/cta-beratung.svg')}.ticks{padding-left:1.2rem}.ticks li{margin:.7rem 0}details{padding:14px 0;border-bottom:1px solid #c9d8df}summary{font-weight:700;cursor:pointer}.legal{max-width:900px}.legal h2{margin-top:30px}.pending,.notice{display:block;background:#fff2d8;border-left:4px solid #d1a14e;padding:12px;color:#634510}.notfound{min-height:52vh;padding-top:90px}.placeholder-panel{background:#fff;border:1px solid #dce6eb;border-radius:18px;padding:24px;box-shadow:0 10px 24px rgba(16,45,59,.06)}footer{background:#102f3e;color:#edf5f7;padding:40px max(24px,calc((100vw - 1132px)/2));display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}footer a,footer button{color:#fff}footer button{border:0;padding:0;background:transparent;text-decoration:underline;text-align:left}.footlinks{display:flex;flex-direction:column;gap:7px}dialog{width:min(92vw,600px);border:0;border-radius:16px;padding:27px;box-shadow:0 15px 80px #0005}dialog::backdrop{background:#071d28a8}dialog h2{margin-top:0}.option{display:block;margin:14px 0}.fine{font-size:.85rem}.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(max-width:980px){.nav{grid-template-columns:1fr;justify-items:flex-start;gap:12px}.nav nav{justify-content:flex-start}.hero-inner,.split-cta-inner,.steps,.benefit-grid,.cards,.cards.two{grid-template-columns:1fr 1fr}.hero-media{min-height:320px}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.split-cta-media{min-height:260px}}
@media(max-width:760px){.top{justify-content:center;gap:.5rem;font-size:.7rem;flex-wrap:wrap}.nav{padding:14px 18px}.nav nav{gap:.9rem}.hero::before{background:linear-gradient(180deg,rgba(7,31,43,.76),rgba(7,31,43,.45))}.hero-inner,.cards,.cards.two,.benefit-grid,.steps,.split-cta-inner{grid-template-columns:1fr}.hero-inner{padding:48px 22px 54px;gap:22px}.hero-media{min-height:250px}.section{padding:40px 22px}.split-cta{padding:0 22px;margin-bottom:48px}.split-cta-copy{padding:30px 24px}.actions>.btn,.hero-actions>.btn{width:100%}}
/* v0.8: global sticky navigation and structured footer */
.nav-wrap{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.97);border-bottom:1px solid #dbe6eb;box-shadow:0 7px 26px rgba(12,47,64,.11)}
.nav{min-height:80px;gap:1.3rem;padding-top:10px;padding-bottom:10px}
html{scroll-padding-top:92px}
.site-footer{display:block;padding:0;background:#0d3445;color:#eaf4f7}
.site-footer .footer-main{max-width:1200px;margin:0 auto;padding:64px 24px 56px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:32px}
.site-footer .footer-brand{display:inline-flex;background:#fff;border-radius:12px;padding:8px 13px;max-width:205px;transition:transform .2s}
.site-footer .footer-brand:hover{transform:translateY(-2px)}
.site-footer .footer-brand img{width:172px;height:auto;max-height:72px;object-fit:contain}
.site-footer .footer-tagline{max-width:29ch;margin:20px 0 18px;color:#c8dce3;font-size:.99rem;line-height:1.65}
.site-footer .footer-contact-items{display:grid;gap:13px}
.site-footer .footer-contact-item{display:flex;align-items:flex-start;gap:11px;line-height:1.55;font-size:.94rem;color:#edf7fa;text-decoration:none}
.site-footer .footer-contact-item svg{color:#e3bd7b;flex:0 0 20px;margin-top:2px}
.site-footer .footer-contact-item:hover{color:#f0c77f}
.site-footer .footer-column h2{font-size:1.08rem;line-height:1.35;color:#fff;letter-spacing:0;margin:6px 0 18px}
.site-footer .footer-column ul{list-style:none;padding:0;margin:0;display:grid;gap:13px}
.site-footer .footer-column li{line-height:1.4}
.site-footer .footer-column a,.site-footer .footer-column button{display:inline-block;color:#d9e9ef;text-decoration:none;background:none;border:0;padding:0;font:inherit;font-size:.92rem;text-align:left;cursor:pointer}
.site-footer .footer-column a:hover,.site-footer .footer-column button:hover{text-decoration:underline;color:#f0c77f}
.site-footer .footer-bottom{border-top:1px solid rgba(255,255,255,.17);background:#092b39}
.site-footer .footer-bottom-inner{max-width:1200px;margin:0 auto;padding:19px 24px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;color:#bdced5;font-size:.83rem}
@media(max-width:980px){.site-footer .footer-main{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:38px}}
@media(max-width:760px){.nav-wrap{top:0}.nav{min-height:0;padding:12px 18px;gap:12px}.nav nav{overflow-x:auto;max-width:100%;flex-wrap:nowrap;white-space:nowrap;padding-bottom:4px;scrollbar-width:thin}.nav nav a{flex:0 0 auto}.contact-btn{position:absolute;top:14px;right:18px;font-size:.85rem;padding:8px 14px}.brand img{max-width:142px}.site-footer .footer-main{grid-template-columns:1fr 1fr;gap:32px 20px;padding:44px 22px 38px}.site-footer .footer-about{grid-column:1/-1}.site-footer .footer-column:last-child{grid-column:1/-1}.site-footer .footer-bottom-inner{padding:18px 22px;flex-direction:column}.site-footer .footer-tagline{max-width:45ch}html{scroll-padding-top:130px}}
@media(max-width:420px){.site-footer .footer-main{grid-template-columns:1fr}.site-footer .footer-column:last-child{grid-column:auto}}
@media print{header,footer,dialog,.btn{display:none!important}body{font-size:12pt;background:#fff}.section{max-width:100%;padding:0}.pending{border:1px solid #aaa}}

/* Version 0.4: vollflaechiges Berlin-Hero, mobile WebP-Sizes und lesbarer Text */
.hero-home{isolation:isolate;background:#0a3449;min-height:490px}
.hero-home .hero-background{position:absolute;inset:0;width:100%;height:100%;z-index:-2;display:block;overflow:hidden}
.hero-home .hero-background img{width:100%;height:100%;object-fit:cover;object-position:center 48%;display:block}
.hero-home::before{z-index:-1;background:linear-gradient(90deg,rgba(5,38,55,.98) 0%,rgba(5,38,55,.93) 24%,rgba(5,38,55,.74) 43%,rgba(5,38,55,.27) 65%,rgba(5,38,55,.04) 100%)}
.hero-home .hero-inner{display:block;padding-top:78px;padding-bottom:78px;min-height:490px}
.hero-home .hero-copy{max-width:610px}
.hero-home .hero-copy>h1{max-width:580px}
.hero-home .hero-copy>p:not(.eyebrow):not(.micro){max-width:530px}
@media(max-width:760px){
 .hero-home .hero-background img{object-position:63% center}
 .hero-home::before{background:linear-gradient(90deg,rgba(5,38,55,.91),rgba(5,38,55,.73))}
 .hero-home .hero-inner{min-height:560px;padding:45px 22px 56px}
 .hero-home .hero-copy>h1{font-size:clamp(2.2rem,9vw,3.25rem)}
}


/* v0.5: lokal gehostete, komprimierte WebP-Fotografien fuer Spartenauswahl */
.media-card .card-media{overflow:hidden;background:#dce7eb;aspect-ratio:10/7;height:auto}
.media-card .card-media img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .35s ease}
.media-card:hover .card-media img,.media-card:focus-within .card-media img{transform:scale(1.035)}
@media(prefers-reduced-motion:reduce){.media-card .card-media img{transition:none}.media-card:hover .card-media img,.media-card:focus-within .card-media img{transform:none}}

/* v0.6: Beratungsmotiv links, Text und kontaktorientierte CTAs rechts */
.consultation-banner .split-cta-inner{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
.consultation-banner .split-cta-media{position:relative;min-height:365px;background:#2d5869;overflow:hidden}
.consultation-banner .split-cta-media picture{position:absolute;inset:0;display:block}
.consultation-banner .split-cta-media img{width:100%;height:100%;object-fit:cover;object-position:56% center;display:block}
.consultation-banner .split-cta-media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,transparent 75%,rgba(16,60,78,.25) 100%);pointer-events:none}
.consultation-banner .split-cta-copy{padding:48px 44px;display:flex;flex-direction:column;justify-content:center}
.consultation-banner .split-cta-copy h2{font-size:clamp(1.75rem,3vw,2.55rem);max-width:18ch}
.consultation-banner .split-cta-copy p:not(.eyebrow){max-width:52ch}
.consultation-banner .hero-actions{margin-top:16px}
@media(max-width:850px){.consultation-banner .split-cta-inner{grid-template-columns:1fr}.consultation-banner .split-cta-media{min-height:270px}.consultation-banner .split-cta-media picture{position:absolute}.consultation-banner .split-cta-copy{padding:30px 26px}.consultation-banner .split-cta-copy h2{max-width:none}}
@media(max-width:480px){.consultation-banner .split-cta-media{min-height:205px}.consultation-banner .hero-actions .btn{width:100%}}

/* Release v0.7 — einheitliche hochwertige Icon-Gestaltung */
.site-icon{display:inline-block;vertical-align:-.18em;width:20px;height:20px;flex:none;stroke:currentColor}
.top-item{display:inline-flex;align-items:center;gap:8px;color:#fff;text-decoration:none;white-space:nowrap}
.top-item .site-icon{width:16px;height:16px;stroke-width:1.9}
.top-item:hover{text-decoration:underline}
.more-insurance{display:flex;align-items:center;background:linear-gradient(145deg,#f2f8fa 0%,#dbeaf0 100%)}
.more-insurance .round-icon{display:inline-flex;width:56px;height:56px;align-items:center;justify-content:center;border-radius:17px;background:#d3e4eb;color:#0b4054;margin-bottom:14px}
.more-insurance .site-icon{width:30px;height:30px}
.benefits-band{background:linear-gradient(135deg,#eef5f8,#f7fafb);padding:72px 24px;margin:12px 0 52px}
.benefits-wrap{max-width:1180px;margin:auto}
.benefits-heading{text-align:center;max-width:770px;margin:0 auto 34px}
.benefits-heading h2{margin-bottom:14px}
.benefits-heading p{margin-left:auto;margin-right:auto}
.benefits-list{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.benefit-detail{background:#fff;border:1px solid #dbe7ec;border-radius:18px;padding:26px 20px 25px;box-shadow:0 10px 30px rgba(12,54,72,.055);text-align:center}
.benefit-icon{display:inline-flex;align-items:center;justify-content:center;width:68px;height:68px;border-radius:50%;color:#0b455a;background:#e2edf2;margin:0 auto 18px}
.benefit-icon .site-icon{width:31px;height:31px;stroke-width:1.65}
.benefit-detail h3{font-size:1.08rem;line-height:1.3;margin-bottom:9px}
.benefit-detail p{font-size:.92rem;color:#4c6170;margin:0}
footer .site-icon{width:15px;height:15px}
@media(max-width:980px){.benefits-list{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){.benefits-band{padding:46px 20px;margin-bottom:35px}.benefits-list{grid-template-columns:1fr;gap:13px}.benefit-detail{padding:23px 20px}.top-item{gap:5px}.top-item .site-icon{width:14px;height:14px}}

/* Navigation v0.9.0: responsive and keyboard accessible. */
.nav-wrap{overflow:visible}
.nav{position:relative}
.nav .site-main-navigation{display:flex;align-items:center;justify-content:center;gap:1.25rem;min-width:0}
.nav .site-main-navigation>.nav-primary-link,.nav .nav-primary-link{font-weight:700;color:#173243;text-decoration:none;font-size:.9rem;white-space:nowrap;border-bottom:2px solid transparent;padding:.55rem 0}
.nav .site-main-navigation>.nav-primary-link:hover,.nav .nav-primary-link[aria-current="page"],.nav .nav-primary-link:hover{border-color:#d6b27f}
.nav-item-mega{display:flex;align-items:center;gap:.15rem}
.nav-submenu-toggle{display:inline-flex;align-items:center;justify-content:center;background:transparent;border:0;color:#173243;padding:.45rem .2rem;cursor:pointer;border-radius:.4rem}
.nav-submenu-toggle:hover,.nav-submenu-toggle:focus-visible{background:#e9f1f4}
.nav-submenu-toggle .site-icon{width:16px;height:16px;transition:transform .2s}
.nav-submenu-toggle[aria-expanded="true"] .site-icon{transform:rotate(180deg)}
.mobile-menu-toggle{display:none;align-items:center;gap:.45rem;border:1px solid #dce6eb;border-radius:9px;padding:.65rem .85rem;background:white;color:#173243;font-weight:700;cursor:pointer}
.mobile-menu-toggle .site-icon{width:16px;height:16px}
.mega-menu[hidden]{display:none!important}
.mega-menu{position:absolute;top:calc(100% + 1px);left:max(0px,calc((100% - 1180px)/2));right:max(0px,calc((100% - 1180px)/2));z-index:100;background:white;border:1px solid #dce6eb;border-radius:0 0 20px 20px;box-shadow:0 25px 55px rgba(7,40,53,.2);padding:26px;max-height:calc(100vh - 110px);overflow-y:auto}
.mega-menu-top{display:flex;justify-content:space-between;align-items:center;gap:15px;padding-bottom:17px;margin-bottom:20px;border-bottom:1px solid #e5edf1}
.mega-menu-top strong{color:#123b50;font-size:1.15rem}
.mega-menu-top>a{display:inline-flex;align-items:center;gap:6px;color:#07546e;font-weight:700;text-decoration:none}
.mega-menu-top .site-icon{width:16px;height:16px}
.mega-menu-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:25px 28px}
.mega-menu-group h2{font-size:1rem;margin:0 0 .65rem;color:#0b4056}
.mega-menu-group h2 a{text-decoration:none;color:inherit}
.mega-menu-group ul{padding:0;margin:0;list-style:none;display:grid;gap:.4rem}
.mega-menu-group li a{font-size:.89rem;line-height:1.4;text-decoration:none;color:#365162;display:block;padding:2px 0}
.mega-menu-group li a:hover,.mega-menu-group h2 a:hover{color:#08708b;text-decoration:underline}
.insurance-overview-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:26px}
.insurance-overview-group{background:#fff;padding:25px;border:1px solid #dae6eb;border-radius:18px;scroll-margin-top:120px}
.insurance-overview-group h2{font-size:1.45rem}
.insurance-overview-group ul{padding-left:1.2rem;margin:1rem 0}
.insurance-overview-group li{margin:.38rem 0}
.insurance-overview-group>p{font-size:.91rem;margin-top:1.2rem}
@media(max-width:1100px){.nav{gap:.75rem}.nav .site-main-navigation{gap:.8rem}.nav .site-main-navigation>.nav-primary-link,.nav .nav-primary-link{font-size:.82rem}.mega-menu-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:980px){.nav{grid-template-columns:auto auto auto;justify-content:space-between;align-items:center}.mobile-menu-toggle{display:inline-flex}.nav .site-main-navigation{display:none;position:absolute;top:100%;left:0;right:0;z-index:90;background:white;padding:12px 18px 22px;box-shadow:0 18px 24px rgba(0,0,0,.14);border-top:1px solid #dbe6eb;max-height:calc(100vh - 100px);overflow:auto;flex-direction:column;align-items:stretch;gap:0}.nav .site-main-navigation.is-open{display:flex}.nav .site-main-navigation>.nav-primary-link{padding:12px 0}.nav-item-mega{flex-wrap:wrap;justify-content:space-between}.nav-item-mega .nav-primary-link{padding:12px 0;flex:1}.nav-submenu-toggle{min-width:44px;min-height:44px}.mega-menu{position:static;width:100%;max-height:none;overflow:visible;box-shadow:none;border-radius:12px;background:#f4f8fa;padding:18px;margin-bottom:12px}.mega-menu-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.nav .contact-btn{margin:0}.insurance-overview-group{scroll-margin-top:110px}}
@media(max-width:650px){.nav{grid-template-columns:minmax(100px,1fr) auto auto;gap:8px}.nav .brand img{max-width:155px}.nav .contact-btn{font-size:.79rem;padding:.6rem .8rem}.mobile-menu-toggle{font-size:.8rem;padding:.55rem .65rem}.mega-menu-grid,.insurance-overview-grid{grid-template-columns:1fr}.mega-menu-top{align-items:flex-start;flex-direction:column}.mega-menu{padding:14px}.insurance-overview-group{scroll-margin-top:105px}}

/* 0.9.1: Text und Pfeil des Privatkunden-Menüs bilden eine gemeinsame Klickfläche. */
.nav-item-mega>.nav-submenu-toggle.nav-primary-link{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;min-height:44px;padding:.62rem .55rem;background:transparent;border:0;border-bottom:2px solid transparent;border-radius:0;font:inherit;font-size:.9rem;font-weight:700;color:#173243;white-space:nowrap;cursor:pointer}
.nav-item-mega>.nav-submenu-toggle.nav-primary-link:hover,.nav-item-mega>.nav-submenu-toggle.nav-primary-link:focus-visible,.nav-item-mega>.nav-submenu-toggle.nav-primary-link[aria-expanded="true"]{color:#0d566c;border-bottom-color:#d6b27f;background:#f1f6f8;outline-offset:3px}
.nav-item-mega>.nav-submenu-toggle.nav-primary-link .site-icon{flex:none}
@media(max-width:1100px){.nav-item-mega>.nav-submenu-toggle.nav-primary-link{font-size:.82rem}}
@media(max-width:980px){.nav-item-mega>.nav-submenu-toggle.nav-primary-link{width:100%;justify-content:space-between;padding:14px 8px;font-size:1rem}}

/* Rechtliche Seiten: übersichtliche Lesbarkeit, Test-Hinweise separat. */
.legal-page{max-width:940px;padding-top:58px;padding-bottom:76px;background:#fff}.legal-page h1{font-size:clamp(2.25rem,4vw,3.2rem)}.legal-page h2{font-size:1.45rem;margin:38px 0 14px;color:#0c3e50}.legal-page h3{font-size:1.03rem;margin:4px 0 8px}.legal-page p,.legal-page li{line-height:1.75}.legal-page ul{padding-left:1.45rem}.legal-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.legal-columns>div{background:#f2f7f9;padding:20px;border:1px solid #dce7ec;border-radius:14px}.legal-draft-notice,.legal-pending{border-left:4px solid #bf8735;background:#fff5e4;color:#624a2c;padding:15px 18px;border-radius:6px;margin:22px 0}.legal-page .actions{margin:18px 0}
@media(max-width:650px){.legal-columns{grid-template-columns:1fr}.legal-page{padding:40px 22px}}
@media print{.legal-draft-notice{display:none}.legal-page h1{font-size:22pt}.legal-page h2{font-size:14pt;margin-top:18pt}.legal-page .actions{display:none}}

/* 0.11.0 - Privatkunden: ausführliche Privathaftpflicht-Landingpage */
.page-breadcrumb{background:#edf3f6;border-bottom:1px solid #d7e5eb;font-size:.83rem}.page-breadcrumb-inner{max-width:1180px;margin:auto;padding:11px 24px;display:flex;align-items:center;flex-wrap:wrap;gap:9px}.page-breadcrumb a{color:#285365;text-decoration:none}.page-breadcrumb a:hover{text-decoration:underline}.page-breadcrumb span[aria-current]{font-weight:700;color:#183747}.liability-hero{position:relative;isolation:isolate;background:#0a3449;color:#fff;overflow:hidden;min-height:490px}.liability-hero-background{position:absolute;inset:0;width:100%;height:100%;z-index:-2;display:block;overflow:hidden}.liability-hero-background img{width:100%;height:100%;object-fit:cover;object-position:64% center;display:block}.liability-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 23%,rgba(5,38,55,.72) 43%,rgba(5,38,55,.28) 66%,rgba(5,38,55,.06) 100%)}.liability-hero-inner{max-width:1180px;margin:auto;display:block;min-height:490px;padding:78px 24px}.liability-hero-content{max-width:610px;display:flex;flex-direction:column;justify-content:center}.liability-hero h1{font-size:clamp(2.5rem,5vw,4.5rem);max-width:580px}.liability-hero-content>p:not(.eyebrow){font-size:1.1rem;color:#e3edf1;max-width:530px}.liability-hero .eyebrow{color:#e4c995}.liability-hero-points{font-size:.95rem!important;margin:21px 0 0;color:#dfeef2!important;letter-spacing:.005em}.liability-introduction{padding-top:74px;padding-bottom:74px}.liability-intro-grid{display:grid;grid-template-columns:1.45fr 1fr;align-items:center;gap:55px}.liability-intro-grid p{font-size:1.02rem;color:#465b67}.liability-side-note{background:#f0f6f8;border:1px solid #dce9ee;border-radius:22px;padding:32px;box-shadow:0 18px 45px #163f5310}.liability-note-icon{display:flex;align-items:center;justify-content:center;border-radius:50%;background:#0e4c60;color:#fff;font-size:1.3rem;width:43px;height:43px;margin-bottom:16px}.liability-side-note a{font-weight:750;text-decoration:none}.liability-muted{background:#edf4f7}.liability-muted .section{padding-top:72px;padding-bottom:76px}.liability-section-lead{font-size:1.05rem;color:#4c6471;margin-bottom:24px}.liability-benefits-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:30px}.liability-info-card{padding:26px 22px 30px;background:#fff;border:1px solid #dce7eb;border-radius:18px;box-shadow:0 12px 28px #163f530b}.liability-card-number{font-weight:800;color:#ba9159;display:block;margin-bottom:28px;font-size:1.05rem}.liability-info-card h3{color:#12384b}.liability-info-card p{font-size:.92rem;color:#556e7a;margin-bottom:0}.liability-features{padding-top:76px;padding-bottom:78px}.liability-feature-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px 40px;margin-top:30px}.liability-feature-list>div{display:flex;align-items:start;gap:16px;padding:20px 0;border-top:1px solid #d8e4e9}.liability-feature-list h3{font-size:1.06rem}.liability-feature-list p{color:#4d6571;font-size:.94rem;margin-bottom:0}.liability-check{flex:none;display:inline-grid;place-items:center;background:#e1f1eb;color:#126e54;width:28px;height:28px;border-radius:50%;font-weight:800}.liability-audience-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:28px}.liability-audience-grid article{background:#fff;padding:27px 22px;border-radius:17px;border-top:4px solid #ceaa73;box-shadow:0 10px 26px #163f5310}.liability-audience-grid p{color:#526b77;font-size:.94rem;margin-bottom:0}.liability-exclusions{padding-top:78px;padding-bottom:85px}.liability-exclusion-grid{display:grid;grid-template-columns:1.3fr 1fr;align-items:center;gap:65px}.liability-exclusion-grid p{color:#4b626e}.liability-exclusion-highlight{border-radius:24px;background:#0d4053;color:#fff;padding:36px}.liability-exclusion-highlight p{color:#e3eef2}.liability-exclusion-highlight .btn{margin-top:10px}.liability-faq{max-width:1000px}.liability-faq details{border-bottom:1px solid #cbdce3;padding:0}.liability-faq details:first-of-type{border-top:1px solid #cbdce3;margin-top:20px}.liability-faq summary{list-style:none;position:relative;padding:23px 44px 23px 0;font-weight:750;cursor:pointer;color:#103a4b}.liability-faq summary::-webkit-details-marker{display:none}.liability-faq summary:after{content:"+";font-size:1.55rem;position:absolute;right:5px;top:15px;color:#0f596e;font-weight:400}.liability-faq details[open] summary:after{content:"−"}.liability-faq details p{color:#4b6674;max-width:90ch;padding:0 30px 18px 0}.liability-cta{margin:0 auto;background:#0a3446;color:#fff}.liability-cta-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.25fr .75fr;align-items:stretch;gap:36px;padding:50px 24px}.liability-cta-inner>div:first-child{padding:25px 0}.liability-cta-inner h2{max-width:700px}.liability-cta-inner p{color:#d7e6ed}.liability-cta-image{border-radius:23px;overflow:hidden;min-height:300px}.liability-cta-image img{width:100%;height:100%;object-fit:cover}.liability-after{padding-top:54px;padding-bottom:62px}.liability-after a{font-weight:750;text-decoration:none}
@media(max-width:1100px){.liability-benefits-grid,.liability-audience-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.liability-hero-background img{object-position:70% center}}
@media(max-width:820px){.liability-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.84),rgba(5,38,55,.54))}.liability-hero-inner{min-height:560px;padding:48px 22px 54px}.liability-hero-content{max-width:540px}.liability-hero h1{font-size:clamp(2.2rem,9vw,3.25rem)}.liability-hero-content>p:not(.eyebrow){font-size:1rem}.liability-intro-grid,.liability-exclusion-grid,.liability-cta-inner{grid-template-columns:1fr;gap:26px}.liability-cta-image{min-height:250px}.liability-feature-list{grid-template-columns:1fr;gap:8px}}
@media(max-width:540px){.page-breadcrumb-inner{padding:10px 18px}.liability-hero-inner{min-height:520px;padding:44px 20px 46px}.liability-hero .hero-actions .btn{width:100%}.liability-benefits-grid,.liability-audience-grid{grid-template-columns:1fr}.liability-muted .section,.liability-introduction,.liability-features,.liability-exclusions{padding-top:42px;padding-bottom:46px}.liability-info-card,.liability-audience-grid article{padding:22px}.liability-side-note,.liability-exclusion-highlight{padding:25px}.liability-cta-inner{padding:35px 20px}.liability-cta-inner h2{font-size:1.9rem}.liability-cta-image{min-height:200px}.liability-hero-points{line-height:1.8;font-size:.87rem!important}.liability-hero-background img{object-position:71% center}}

/* Hausratversicherung – dieselbe hochwertige Hero-Sprache wie Privathaftpflicht und Startseite */
.household-hero .liability-hero-background img{object-position:72% 52%}
.household-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98) 0%,rgba(5,38,55,.94) 25%,rgba(5,38,55,.74) 45%,rgba(5,38,55,.20) 73%,rgba(5,38,55,.04) 100%)}
.household-hero .liability-hero-content{max-width:640px}
.household-hero h1{max-width:600px}
@media(max-width:820px){.household-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.90) 0%,rgba(5,38,55,.78) 58%,rgba(5,38,55,.58) 100%)}.household-hero .liability-hero-background img{object-position:70% center}}

/* 0.13.0: Wohngebäudeversicherung */
.building-hero .liability-hero-background img{object-position:70% center}
.building-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.94) 24%,rgba(5,38,55,.79) 43%,rgba(5,38,55,.3) 69%,rgba(5,38,55,.06) 100%)}
.building-hero .liability-hero-content{max-width:625px}
.building-hero h1{max-width:615px}
@media(max-width:820px){.building-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.89),rgba(5,38,55,.78) 59%,rgba(5,38,55,.62))}.building-hero .liability-hero-background img{object-position:77% center}}

/* 0.14.0 – Haus- und Grundbesitzerhaftpflicht, im bestehenden Seiten-Design */
.property-owner-hero .liability-hero-background img{object-position:69% center}
.property-owner-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.73) 46%,rgba(5,38,55,.27) 73%,rgba(5,38,55,.04) 100%)}
.property-owner-hero .liability-hero-content{max-width:630px}
.property-owner-hero h1{max-width:620px;font-size:clamp(2.35rem,4.5vw,4.15rem)}
@media(max-width:820px){.property-owner-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.93),rgba(5,38,55,.77) 60%,rgba(5,38,55,.62))}.property-owner-hero .liability-hero-background img{object-position:73% center}}

/* Photovoltaik Fachseite: breite Bildsprache analog Startseite */
.photovoltaic-hero .liability-hero-background img{object-position:64% center}
@media(max-width:820px){.photovoltaic-hero .liability-hero-background img{object-position:72% center}}

/* Fahrradversicherung 0.16.0: eigener responsiver Bild-Header */
.bicycle-hero .liability-hero-background img{object-position:69% center}
.bicycle-hero .liability-hero-content{max-width:630px}
.bicycle-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 26%,rgba(5,38,55,.73) 45%,rgba(5,38,55,.24) 74%,rgba(5,38,55,.04) 100%)}
@media(max-width:820px){.bicycle-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.91),rgba(5,38,55,.79) 65%,rgba(5,38,55,.65))}.bicycle-hero .liability-hero-background img{object-position:74% center}}

/* 0.17.0 Vermieterrechtsschutz: Hauptbild im bewährten Hero-Raster */
.landlord-hero .liability-hero-background img{object-position:72% center}
.landlord-hero .liability-hero-content{max-width:630px}
.landlord-hero h1{max-width:610px;font-size:clamp(2.35rem,4.6vw,4.15rem)}
.landlord-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98) 0%,rgba(5,38,55,.93) 27%,rgba(5,38,55,.75) 47%,rgba(5,38,55,.26) 75%,rgba(5,38,55,.04) 100%)}
@media(max-width:820px){.landlord-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.91),rgba(5,38,55,.82) 62%,rgba(5,38,55,.66))}.landlord-hero .liability-hero-background img{object-position:75% center}}

/* 0.18.0: Tierhalterhaftpflicht Fachseite, Bildgestaltung wie auf der Startseite */
.animal-hero .liability-hero-background img{object-position:70% center}
.animal-hero .liability-hero-content{max-width:635px}
.animal-hero h1{max-width:620px;font-size:clamp(2.35rem,4.65vw,4.1rem)}
.animal-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.7) 46%,rgba(5,38,55,.22) 75%,rgba(5,38,55,.03) 100%)}
@media(max-width:820px){.animal-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.91),rgba(5,38,55,.78) 63%,rgba(5,38,55,.64))}.animal-hero .liability-hero-background img{object-position:77% center}}


/* 0.19.0: Unfallversicherung, einheitliches Bild-/Text-Raster */
.accident-hero .liability-hero-background img{object-position:72% center}
.accident-hero .liability-hero-content{max-width:635px}
.accident-hero h1{max-width:635px;font-size:clamp(2.35rem,4.6vw,4.1rem)}
.accident-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.70) 46%,rgba(5,38,55,.23) 75%,rgba(5,38,55,.04) 100%)}
@media(max-width:820px){.accident-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.92),rgba(5,38,55,.79) 62%,rgba(5,38,55,.65))}.accident-hero .liability-hero-background img{object-position:78% center}}

/* v0.20.0: Rechtsschutz-Fachseite */
.legal-protection-hero .liability-hero-background img{object-position:70% center}
.legal-protection-hero .liability-hero-content{max-width:630px}
.legal-protection-hero h1{max-width:630px;font-size:clamp(2.35rem,4.7vw,4.1rem)}
.legal-protection-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.90) 28%,rgba(5,38,55,.68) 48%,rgba(5,38,55,.16) 76%,rgba(5,38,55,.03) 100%)}
@media(max-width:820px){.legal-protection-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.93),rgba(5,38,55,.80) 62%,rgba(5,38,55,.66))}.legal-protection-hero .liability-hero-background img{object-position:79% center}}

/* 0.21.0 Kfz Fachseite im bestehenden Hero- und Karten-Layout */
.car-hero .liability-hero-background img{object-position:64% center}
.car-benefit-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
@media(max-width:820px){.car-benefit-grid{grid-template-columns:1fr}.car-hero .liability-hero-background img{object-position:74% center}}

/* Version 0.22.0: E-Scooter Fachseite */
.escooter-hero .liability-hero-background img{object-position:72% center}
.escooter-hero .liability-hero-content{max-width:635px}
.escooter-benefits-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
@media(max-width:820px){.escooter-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.93),rgba(5,38,55,.79) 62%,rgba(5,38,55,.64))}.escooter-hero .liability-hero-background img{object-position:79% center}}
@media(max-width:600px){.escooter-benefits-grid{grid-template-columns:1fr}}

/* 0.23.0: Gesetzliche Krankenversicherung */
.gkv-hero .liability-hero-background img{object-position:70% center}
.gkv-hero .liability-hero-content{max-width:635px}
.gkv-hero h1{max-width:630px;font-size:clamp(2.35rem,4.6vw,4.15rem)}
.gkv-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 26%,rgba(5,38,55,.70) 45%,rgba(5,38,55,.23) 75%,rgba(5,38,55,.04) 100%)}
@media(max-width:820px){.gkv-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.92),rgba(5,38,55,.79) 63%,rgba(5,38,55,.65))}.gkv-hero .liability-hero-background img{object-position:77% center}}

/* 0.25.0: Pflegezusatzversicherung */
.care-hero .liability-hero-background img{object-position:69% center}
.care-hero .liability-hero-content{max-width:630px}
.care-hero h1{max-width:620px;font-size:clamp(2.35rem,4.65vw,4.1rem)}
.care-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.71) 48%,rgba(5,38,55,.2) 76%,rgba(5,38,55,.03) 100%)}
@media(max-width:820px){.care-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.93),rgba(5,38,55,.80) 64%,rgba(5,38,55,.65))}.care-hero .liability-hero-background img{object-position:77% center}}

/* 0.26.0 – Berufsunfähigkeitsversicherung: responsive Hero im freigegebenen Seitenstil. */
.bu-hero .liability-hero-background img{object-position:69% center}
.bu-hero .liability-hero-content{max-width:630px}
.bu-hero h1{max-width:615px;font-size:clamp(2.35rem,4.6vw,4.15rem)}
.bu-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.70) 48%,rgba(5,38,55,.18) 76%,rgba(5,38,55,.03) 100%)}
@media(max-width:820px){.bu-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.94),rgba(5,38,55,.82) 64%,rgba(5,38,55,.65))}.bu-hero .liability-hero-background img{object-position:78% center}}

/* Release 0.27.0: Risikolebensversicherung */
.risklife-hero .liability-hero-background img{object-position:68% center}
.risklife-hero .liability-hero-content{max-width:640px}
.risklife-hero h1{max-width:625px;font-size:clamp(2.3rem,4.6vw,4.05rem)}
.risklife-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.97) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.72) 48%,rgba(5,38,55,.23) 77%,rgba(5,38,55,.03) 100%)}
@media(max-width:820px){.risklife-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.95),rgba(5,38,55,.82) 64%,rgba(5,38,55,.67))}.risklife-hero .liability-hero-background img{object-position:78% center}}

/* Release 0.28.0 – Sterbegeldversicherung */
.funeral-hero .liability-hero-background img{object-position:70% center}
.funeral-hero .liability-hero-content{max-width:660px}
.funeral-hero h1{max-width:625px;font-size:clamp(2.3rem,4.6vw,4.1rem)}
.funeral-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98),rgba(5,38,55,.94) 28%,rgba(5,38,55,.75) 50%,rgba(5,38,55,.2) 80%)}
@media(max-width:820px){.funeral-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.95),rgba(5,38,55,.83) 70%,rgba(5,38,55,.65))}.funeral-hero .liability-hero-background img{object-position:78% center}}

/* Release 0.29.0 – Private Altersvorsorge */
.retirement-hero .liability-hero-background img{object-position:70% center}
.retirement-hero .liability-hero-content{max-width:670px}
.retirement-hero h1{max-width:630px;font-size:clamp(2.3rem,4.5vw,4.1rem)}
.retirement-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98),rgba(5,38,55,.93) 29%,rgba(5,38,55,.73) 51%,rgba(5,38,55,.15) 82%)}
@media(max-width:820px){.retirement-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.95),rgba(5,38,55,.84) 70%,rgba(5,38,55,.64))}.retirement-hero .liability-hero-background img{object-position:78% center}}

/* Release 0.30.0: Reiseversicherung */
.travel-hero .liability-hero-background img{object-position:70% center}
.travel-hero .liability-hero-content{max-width:660px}
.travel-hero h1{max-width:625px;font-size:clamp(2.3rem,4.5vw,4.05rem)}
.travel-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98),rgba(5,38,55,.92) 29%,rgba(5,38,55,.72) 50%,rgba(5,38,55,.14) 83%)}
@media(max-width:820px){.travel-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.96),rgba(5,38,55,.84) 70%,rgba(5,38,55,.62))}.travel-hero .liability-hero-background img{object-position:77% center}}

/* Release 0.32.0 – Reiserücktrittsversicherung */
.cancellation-hero .liability-hero-background img{object-position:69% center}
.cancellation-hero .liability-hero-content{max-width:650px}
.cancellation-hero h1{max-width:610px;font-size:clamp(2.35rem,4.5vw,4.05rem)}
.cancellation-hero::before{background:linear-gradient(90deg,rgba(5,38,55,.98) 0%,rgba(5,38,55,.92) 28%,rgba(5,38,55,.72) 50%,rgba(5,38,55,.12) 82%)}
@media(max-width:820px){.cancellation-hero::before{background:linear-gradient(180deg,rgba(5,38,55,.95),rgba(5,38,55,.84) 70%,rgba(5,38,55,.65))}.cancellation-hero .liability-hero-background img{object-position:78% center}}

/* 0.33.0 – Kundencenter und Serviceformulare */
.service-section{max-width:1180px;margin:0 auto;padding:68px 24px 86px}
.service-section h1{max-width:900px;margin:10px 0 16px;font-size:clamp(2.1rem,4.2vw,3.75rem);color:#10374a}
.service-lead{max-width:770px;font-size:1.1rem;color:#4a626e;line-height:1.7;margin:0 0 34px}
.service-card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:32px 0}
.service-card{background:#f0f6f8;border:1px solid #d9e7eb;border-radius:18px;padding:30px;display:flex;flex-direction:column;gap:9px}
.service-card h2{font-size:1.45rem;margin:0;color:#0b3548}.service-card p{color:#526a75;line-height:1.6;margin:0;flex:1}.service-card a{color:#0e5069;font-weight:750;margin-top:14px}
.service-help{border-radius:18px;background:#0b3548;color:white;padding:30px;margin:28px 0}.service-help h2{color:#fff;margin:0 0 8px}.service-help p{margin:0}.service-help a{color:#f3ca83}
.service-form{max-width:850px;background:#f4f8fa;border:1px solid #dce9ed;border-radius:18px;padding:30px}.service-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.service-field{display:flex;flex-direction:column;gap:7px}.service-field label{font-weight:700;color:#183b4b}.service-field input,.service-field textarea{width:100%;padding:12px 14px;border:1px solid #b9cbd3;border-radius:9px;background:#fff;color:#193c4b;font:inherit}.service-field textarea{resize:vertical;min-height:105px}
.service-field input:focus-visible,.service-field textarea:focus-visible{outline:3px solid #a9d8e8;outline-offset:2px}.service-privacy{display:flex;align-items:flex-start;gap:11px;line-height:1.5;margin:20px 0 22px}.service-privacy input{margin-top:5px;flex-shrink:0}
.service-alert{background:#e5f0f4;padding:18px 20px;border-radius:12px;border-left:4px solid #1c687c;margin:18px 0}.service-alert-error{background:#fff1ee;border-left-color:#b54136}.service-alert-success{background:#e9f6ed;border-left-color:#237443;max-width:850px}.service-back{margin-top:24px}.service-trap{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
@media(max-width:700px){.service-section{padding:42px 20px 58px}.service-card-grid,.service-fields{grid-template-columns:1fr}.service-card,.service-form{padding:21px}}