/* Local fonts — no external requests */
@font-face{font-family:'DM Sans';font-style:normal;font-weight:400 700;font-display:swap;src:url(../fonts/dm-sans-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Playfair Display';font-style:normal;font-weight:500 600;font-display:swap;src:url(../fonts/playfair-display-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'DM Mono';font-style:normal;font-weight:400 500;font-display:swap;src:url(../fonts/dm-mono-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
/* Online-Banking ohne Angst 55+ — Design System: Trusted Navy */
:root{--ink:#0f1f2e;--muted:#5b6a78;--cream:#f4f6f8;--paper:#ffffff;--line:#dce1e6;--navy:#1a3a5c;--navy-light:#e8eef4;--dark:#0c1a28;--accent:#b8632e;--warm:#f9f5f0;--serif:'Playfair Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif;--mono:'DM Mono',monospace}*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth;scroll-padding-top:90px}body{background:var(--cream);color:var(--ink);font-family:var(--sans);line-height:1.6}img{display:block;max-width:100%;height:auto}.skip-link{position:absolute;top:-100%;left:16px;background:var(--navy);color:#fff;padding:10px 16px;z-index:999;border-radius:4px;font-size:13px;text-decoration:none}.skip-link:focus{top:10px}
.topline{background:var(--dark);color:#c4d4e0;padding:9px max(20px,calc((100vw - 1200px)/2));display:flex;justify-content:space-between;font:10px var(--mono);letter-spacing:.09em}
.header{height:78px;display:flex;align-items:center;justify-content:space-between;padding:0 max(20px,calc((100vw - 1200px)/2));border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);backdrop-filter:blur(10px);position:sticky;top:0;z-index:40}.brand{color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:9px;font-size:15px}.brand i{width:30px;height:30px;border-radius:8px;background:var(--navy);display:grid;place-items:center;color:#fff;font:600 17px var(--serif);font-style:normal}.header nav{display:flex;gap:18px}.header nav a{font-size:11px;text-decoration:none;color:var(--ink)}.header-cta{background:var(--navy);color:#fff;text-decoration:none;padding:9px 15px;border-radius:999px;font-size:11px}
.mobile-toggle{display:none;border:0;background:none;font-size:24px;cursor:pointer;padding:8px}.mobile-menu{display:none;position:fixed;inset:0;z-index:50;background:rgba(12,26,40,.94);backdrop-filter:blur(8px);flex-direction:column;align-items:center;justify-content:center;gap:24px}.mobile-menu.open{display:flex}.mobile-menu a{color:#fff;text-decoration:none;font-size:18px}.mobile-menu .close-menu{position:absolute;top:20px;right:20px;border:0;background:none;color:#fff;font-size:28px;cursor:pointer}
.hero{display:grid;grid-template-columns:.95fr 1.05fr;gap:50px;align-items:center;padding:80px max(20px,calc((100vw - 1120px)/2)) 70px;background:var(--navy-light)}.eyebrow{font:10px var(--mono);color:var(--accent);letter-spacing:.12em;margin-bottom:14px}h1{font:500 clamp(42px,5vw,68px)/1.02 var(--serif);letter-spacing:-.04em}h1 em{font-style:normal;color:var(--navy)}h2{font:500 clamp(33px,3.8vw,52px)/1.05 var(--serif);letter-spacing:-.035em}.lead{font-size:17px;max-width:560px;color:var(--muted);margin:20px 0}.hero-buttons{display:flex;gap:11px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;border:1px solid var(--navy);border-radius:999px;padding:11px 17px;text-decoration:none;font-size:12px;cursor:pointer;transition:transform .16s cubic-bezier(.23,1,.32,1)}.btn:active{transform:scale(.97)}.btn-solid{background:var(--navy);color:#fff}.btn-ghost{background:transparent;color:var(--navy)}.stats{display:flex;gap:28px;margin:36px 0 0}.stats dt{font:600 22px var(--serif)}.stats dd{font-size:11px;color:var(--muted);max-width:95px;margin:4px 0 0}.micro-note{font-size:11px;color:var(--muted);max-width:490px;margin:16px 0 0}.hero-image{position:relative}.hero-image img{width:100%;aspect-ratio:3/4;object-fit:cover;border-radius:0 0 0 40px}.hero-image figcaption{position:absolute;right:-16px;bottom:24px;background:var(--navy);color:#fff;padding:14px 17px;font:24px/1 var(--serif);max-width:220px}.hero-image figcaption small{display:block;font:10px var(--mono);color:#a8c4d8;margin-top:8px}
.ticker{display:flex;gap:32px;overflow:hidden;white-space:nowrap;border-block:1px solid var(--line);font:10px var(--mono);letter-spacing:.1em;color:var(--muted);padding:12px 0}.ticker span{padding-left:32px}
.section{padding:90px max(20px,calc((100vw - 1100px)/2))}.section-head{max-width:640px;margin-bottom:40px}.section-head p:last-child{font-size:15px;color:var(--muted)}
.three-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.three-cards article{background:var(--paper);border:1px solid var(--line);padding:26px;min-height:220px}.three-cards b{font:10px var(--mono);color:var(--accent)}h3{font:500 24px/1.12 var(--serif);margin:14px 0 10px}.three-cards p{font-size:14px;color:var(--muted)}
.wide-quote{display:grid;grid-template-columns:1.3fr .7fr;margin:28px 0 0}.wide-quote img{width:100%;height:320px;object-fit:cover}.wide-quote figcaption{margin:0;background:var(--navy);color:#fff;padding:36px;font:clamp(22px,2.4vw,36px)/1.1 var(--serif);display:flex;align-items:center;flex-direction:column;justify-content:center}.wide-quote small{font:10px var(--mono);color:#a8c4d8;margin-top:16px}
.course-section{background:var(--warm)}.course-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}.course-grid article{background:var(--paper);border:1px solid #e0d8ce;padding:26px;min-height:180px}.course-grid b{font:10px var(--mono);color:var(--accent)}.course-grid p{font-size:14px;color:var(--muted)}
.practical-section{display:grid;grid-template-columns:1.15fr .85fr;gap:70px}.practice-copy p{font-size:15px;color:var(--muted);max-width:620px;margin-bottom:16px}.pills{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}.pills span{border:1px solid #8da4b8;border-radius:999px;padding:7px 12px;font:10px var(--mono);color:var(--navy)}.practice-aside{display:flex;flex-direction:column;gap:14px}.practice-aside img{width:100%;aspect-ratio:4/3;object-fit:cover}.aside-quote{background:var(--navy-light);padding:24px;font:26px/1.12 var(--serif)}
.safety-section{background:var(--dark);color:#eef2f5}.safety-section .eyebrow{color:#d4a87a}.safety-top{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:end;margin-bottom:36px}.safety-top p{color:#b4c8d4}.safety-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:13px}.safety-grid article{background:#162e42;padding:26px}.safety-grid p{color:#b0c4d0}.safety-visual{padding:0;position:relative;min-height:350px;display:flex;align-items:end;color:#fff}.safety-visual img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.safety-visual:after{content:'';position:absolute;inset:0;background:linear-gradient(transparent 40%,rgba(8,18,28,.82))}.safety-visual h3{position:relative;z-index:1;padding:24px;font-size:29px;margin:0}.context-figure{display:grid;grid-template-columns:1.3fr .7fr;margin:22px 0 0}.context-figure img{width:100%;height:270px;object-fit:cover}.context-figure figcaption{background:#1e3c54;padding:30px;font:28px/1.08 var(--serif);display:flex;align-items:center}
.editorial-section{display:grid;grid-template-columns:1.15fr .85fr;gap:70px}.editorial-copy h3{font-size:26px;margin-top:34px}.editorial-copy p{font-size:15px;color:var(--muted);max-width:680px}
.path-section{background:var(--paper)}.timeline{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);margin-top:32px}.timeline article{padding:22px 18px;border-right:1px solid var(--line)}.timeline article:last-child{border-right:0}.timeline span{font:10px var(--mono);color:var(--accent)}.timeline h3{font-size:22px}.timeline p{font-size:13px;color:var(--muted)}.closing-visual{display:grid;grid-template-columns:1.3fr .7fr;margin:42px 0 0}.closing-visual img{width:100%;height:290px;object-fit:cover}.closing-visual figcaption{background:var(--navy-light);padding:36px;font:34px/1.06 var(--serif);display:flex;align-items:center}
.faq-section{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px}.faq-list{border-top:1px solid var(--line)}details{padding:16px 0;border-bottom:1px solid var(--line)}summary{list-style:none;cursor:pointer;font-weight:600;display:flex;justify-content:space-between;gap:18px}summary:after{content:'+';color:var(--accent);font-size:20px}details[open] summary:after{content:'−'}details p{font-size:14px;color:var(--muted);margin:12px 24px 0 0}
.inquiry-section{display:grid;grid-template-columns:.88fr 1.12fr;gap:58px;background:var(--navy-light);align-items:start}.inquiry-intro h2{margin-bottom:16px}.inquiry-intro>p:not(.eyebrow):not(.inquiry-note){font-size:15px;color:var(--muted);max-width:490px}.inquiry-details{display:flex;flex-direction:column;gap:8px;margin:22px 0 16px}.inquiry-details span{font:11px var(--mono);letter-spacing:.04em;color:var(--navy);border-top:1px solid #a4b8cc;padding-top:8px}.inquiry-note{font-size:12px;color:var(--muted)}.inquiry-form{background:var(--paper);border:1px solid var(--line);padding:28px;box-shadow:0 10px 26px rgba(12,26,40,.06)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}.inquiry-form label{display:block;font-size:12px;font-weight:600;color:var(--ink);margin-bottom:16px}.inquiry-form label b{color:var(--accent)}.inquiry-form input[type=text],.inquiry-form input[type=tel],.inquiry-form textarea{display:block;width:100%;margin-top:6px;border:1px solid #b8c4d0;background:#fff;padding:11px 12px;font:14px var(--sans);border-radius:2px;outline:none;transition:border-color .18s ease,box-shadow .18s ease}.inquiry-form textarea{resize:vertical;min-height:105px}.inquiry-form input:focus,.inquiry-form textarea:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(26,58,92,.1)}.consent{display:flex;gap:10px;align-items:flex-start;font-size:11px;font-weight:400;line-height:1.4}.consent input{margin-top:3px;accent-color:var(--navy)}.consent a{color:var(--navy)}.form-submit{appearance:none;font-size:13px;margin-top:4px;width:100%;min-height:46px}.form-note{font-size:11px;color:var(--muted);margin-top:10px}
.site-footer{background:var(--dark);color:#e0eaf0;padding:55px max(20px,calc((100vw - 1100px)/2)) 20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:30px}.site-footer p{font-size:12px;color:#a4b8c8;max-width:260px}.site-footer h3{font:10px var(--mono);letter-spacing:.1em;color:#d4a87a;margin-bottom:13px}.site-footer a{color:#e0eaf0;text-decoration:none;display:block;margin:6px 0;font-size:12px}.footer-bottom{border-top:1px solid #2e4a5c;margin-top:30px;padding-top:14px;font:10px var(--mono);color:#7a9aaa;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}.footer-bottom button{border:0;background:none;color:#b4d0e0;font:inherit;cursor:pointer}
.cookie-banner{display:none;position:fixed;z-index:80;left:18px;right:18px;bottom:18px;max-width:940px;margin:auto;background:var(--paper);box-shadow:0 14px 50px rgba(8,18,28,.2);padding:22px 24px;border-left:5px solid var(--navy);grid-template-columns:1fr auto;gap:22px;align-items:center}.cookie-banner.show{display:grid}.cookie-banner h2{font:27px var(--serif);margin:0}.cookie-banner p{font-size:12px;color:var(--muted);max-width:550px}.cookie-actions{display:flex;gap:9px;flex-wrap:wrap}.text-button{border:0;background:none;text-decoration:underline;cursor:pointer;font-size:11px}.cookie-panel{display:none;position:fixed;z-index:90;inset:0;background:rgba(8,18,28,.6);align-items:center;justify-content:center;padding:18px}.cookie-panel.show{display:flex}.cookie-panel-card{position:relative;width:min(530px,100%);background:var(--paper);padding:32px}.panel-close{position:absolute;right:14px;top:10px;border:0;background:none;font-size:26px;cursor:pointer}.switch-row{display:flex;justify-content:space-between;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}.switch-row small{display:block;max-width:360px;color:var(--muted);font-size:12px}
.prose{max-width:840px}.prose h1{font-size:48px;letter-spacing:-.04em}.prose h2{font-size:30px;margin:38px 0 12px}.prose p,.prose li{font-size:15px;color:var(--muted)}.notice{background:var(--navy-light);border-left:4px solid var(--navy);padding:16px 18px;font-size:14px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px}.contact-data p{padding:13px 0;border-bottom:1px solid var(--line);font-size:15px}.contact-data a{color:var(--navy)}.map-frame{min-height:330px;display:grid;place-items:center;position:relative;overflow:hidden;background:#d8e4ec}.map-frame:before,.map-frame:after{content:'';position:absolute;width:140%;height:36px;background:rgba(255,255,255,.7);transform:rotate(-16deg)}.map-frame:after{height:22px;background:rgba(26,58,92,.1);transform:rotate(21deg)}.map-note{position:relative;z-index:1;background:var(--paper);box-shadow:0 10px 28px rgba(0,0,0,.1);padding:22px;max-width:310px;text-align:center}.map-note a{color:var(--navy);font-size:13px}.danke-status{background:var(--navy-light);border-left:4px solid var(--navy);padding:20px;margin:22px 0}.danke-status p{margin:0}
@media(max-width:860px){.header nav{display:none}.mobile-toggle{display:block}.hero,.practical-section,.safety-top,.editorial-section,.faq-section,.contact-grid,.inquiry-section{grid-template-columns:1fr;gap:30px}.hero{padding-top:46px}.hero-image{order:-1}.three-cards,.course-grid,.safety-grid{grid-template-columns:1fr}.wide-quote,.context-figure,.closing-visual{grid-template-columns:1fr}.wide-quote img,.context-figure img,.closing-visual img{height:240px}.timeline{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.cookie-banner{grid-template-columns:1fr}.hero-image figcaption{right:0}.hero-image img{border-radius:0}.topline span:last-child{display:none}}
@media(max-width:500px){.hero,.section{padding:50px 18px}.hero h1{font-size:42px}.timeline{grid-template-columns:1fr}.timeline article{border-bottom:1px solid var(--line);border-right:0}.footer-grid{grid-template-columns:1fr}.inquiry-form{padding:20px}.form-row{grid-template-columns:1fr}.footer-bottom{flex-direction:column;align-items:flex-start}}
@media(prefers-reduced-motion:no-preference){.btn{transition:transform .16s cubic-bezier(.23,1,.32,1)}.inquiry-form{transition:transform .2s cubic-bezier(.23,1,.32,1),box-shadow .2s cubic-bezier(.23,1,.32,1)}.inquiry-form:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(12,26,40,.09)}}