/* Zinsmelder: klassisches Layout, ohne externe Abhängigkeiten */
:root {
  --navy: #1c3f66;
  --navy-light: #2c5a8c;
  --gold: #f2c94c;
  --link: #0b3d91;
  --visited: #5b3a8c;
  --text: #222;
  --muted: #555;
  --line: #b9c4ce;
  --soft: #eef2f6;
  --page: #dfe5ea;
  --note: #fff9dc;
  --note-line: #dcc96f;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--page);
  color: var(--text);
  font: 15px/1.6 Verdana, Geneva, "DejaVu Sans", sans-serif;
}

a { color: var(--link); }
a:visited { color: var(--visited); }
a:hover { color: #b03000; }
:focus-visible { outline: 2px solid #b03000; outline-offset: 2px; }

a.extern::after { content: " \2197"; font-size: .85em; text-decoration: none; display: inline-block; }

.skip { position: absolute; left: -9999px; }
.skip:focus { left: 8px; top: 8px; z-index: 10; background: #fff; padding: 6px 10px; }

.page {
  max-width: 1000px;
  margin: 16px auto;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 0 6px rgba(0, 0, 0, .18);
}

/* Kopf */
.site-header {
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
  padding: 14px 20px;
}
.logo { display: inline-flex; align-items: center; gap: 12px; color: #fff; text-decoration: none; }
.logo:visited, .logo:hover { color: #fff; }
.logo-mark { flex: none; }
.logo-text { display: block; }
.logo-name { display: block; font: bold 30px/1.1 Georgia, "Times New Roman", serif; }
.logo-claim { display: block; font-size: 13px; color: #d7e2ee; margin-top: 2px; }

/* Navigation */
.mainnav { background: linear-gradient(#f7f9fb, #d9e1e8); border-bottom: 1px solid var(--line); padding: 0 12px; }
.mainnav ul { display: flex; flex-wrap: wrap; list-style: none; margin: 0; padding: 0; }
.mainnav a {
  display: block;
  padding: 9px 12px;
  color: var(--navy);
  font-size: 13.5px;
  font-weight: bold;
  text-decoration: none;
  border-right: 1px solid #c8d2db;
}
.mainnav li:first-child a { border-left: 1px solid #c8d2db; }
.mainnav a:hover { background: #fff; text-decoration: underline; }
.mainnav a.active { background: var(--navy); color: #fff; }

.breadcrumb { padding: 7px 20px; font-size: 12.5px; color: var(--muted); background: #fafbfc; border-bottom: 1px solid #e3e8ed; }

/* Spalten */
.columns { display: grid; grid-template-columns: minmax(0, 1fr) 280px; }
.content { padding: 18px 24px 28px 20px; min-width: 0; }
.content.wide { grid-column: 1 / -1; max-width: 760px; }
.sidebar { padding: 18px 16px; background: #f7f9fb; border-left: 1px solid #e3e8ed; }

h1, h2, h3 { font-family: Georgia, "Times New Roman", serif; color: var(--navy); line-height: 1.25; }
h1 { font-size: 27px; margin: 0 0 14px; }
h2 { font-size: 21px; margin: 28px 0 8px; padding-bottom: 3px; border-bottom: 1px solid #d5dde4; }
h3 { font-size: 17px; margin: 18px 0 4px; }
p { margin: 0 0 12px; }
ul, ol { margin: 0 0 14px; padding-left: 24px; }
li { margin-bottom: 5px; }
.lead { font-size: 16px; }
.small { font-size: 12.5px; color: var(--muted); }
.more { font-weight: bold; }
address { font-style: normal; margin-bottom: 12px; }

/* Startseite */
.twobox { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 18px 0; }
.panel { border: 1px solid var(--line); background: var(--soft); padding: 12px 14px; }
.panel h2 { margin: -12px -14px 10px; padding: 7px 14px; background: var(--navy); border: 0; font-size: 19px; }
.panel h2 a, .panel h2 a:visited { color: #fff; text-decoration: none; }
.panel h2 a:hover { text-decoration: underline; }
.panel .more { margin-bottom: 0; }

ul.check { list-style: none; padding-left: 0; }
ul.check li { padding-left: 21px; position: relative; }
ul.check li::before { content: "\2713"; color: #1d7a34; font-weight: bold; position: absolute; left: 2px; }

/* Tabellen */
.tablewrap { overflow-x: auto; margin: 12px 0 16px; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
caption { text-align: left; font-weight: bold; padding-bottom: 6px; }
th, td { border: 1px solid var(--line); padding: 7px 9px; text-align: left; vertical-align: top; }
thead th { background: #dfe7ee; color: var(--navy); }
tbody th { background: #f5f7f9; font-weight: bold; }
tbody tr:nth-child(even) td { background: #fafbfc; }
td.center { text-align: center; }
td.num { text-align: right; white-space: nowrap; }

.note { background: var(--note); border: 1px solid var(--note-line); padding: 10px 13px; margin: 16px 0; }

/* FAQ */
.faq details { border: 1px solid #d5dde4; margin-bottom: 6px; background: #fff; }
.faq summary { padding: 8px 11px; cursor: pointer; font-weight: bold; color: var(--navy); background: var(--soft); }
.faq details p { padding: 9px 11px 3px; margin: 0 0 8px; }

/* Seitenleiste */
.box { border: 1px solid var(--line); background: #fff; margin-bottom: 14px; }
.box h2 { margin: 0; padding: 6px 10px; background: var(--navy); color: #fff; border: 0; font-size: 15px; }
.box > ul, .box > dl, .box > p { margin: 9px 10px; }
.linklist { list-style: none; padding: 0; font-size: 13.5px; }
.linklist li { margin-bottom: 0; padding: 4px 0; border-bottom: 1px dotted #ccd5dd; }
.linklist li:last-child { border-bottom: 0; }
.linklist a[aria-current] { font-weight: bold; color: var(--text); text-decoration: none; }
.facts { font-size: 13.5px; }
.facts dt { font-weight: bold; color: var(--navy); }
.facts dd { margin: 0 0 8px; }

/* Linkverzeichnis */
.linkdir { list-style: none; padding: 0; }
.linkdir li { padding: 6px 0; margin: 0; border-bottom: 1px dotted #ccd5dd; font-size: 14px; }

/* Rechner */
.calc fieldset { border: 1px solid var(--line); background: var(--soft); padding: 12px 15px; margin: 0 0 12px; }
.calc legend { font-weight: bold; color: var(--navy); padding: 0 5px; }
.field { display: grid; grid-template-columns: minmax(0, 1fr) 130px; gap: 10px; align-items: center; margin-bottom: 8px; }
.field label { font-size: 14px; }
.field input { width: 100%; padding: 5px 7px; font: inherit; text-align: right; border: 1px solid #8996a3; background: #fff; }
.field input[aria-invalid="true"] { border: 2px solid #b00020; }
button {
  font: bold 14px Verdana, Geneva, sans-serif;
  color: #fff;
  background: linear-gradient(var(--navy-light), var(--navy));
  border: 1px solid #12304f;
  padding: 7px 15px;
  cursor: pointer;
}
button:hover { background: var(--navy); }
.error { color: #b00020; font-weight: bold; }
.code { width: 100%; padding: 8px; font: 13px/1.5 "Courier New", Courier, monospace; border: 1px solid #8996a3; background: #fafbfc; resize: vertical; }
.positive { color: #1d7a34; }

/* Fuß */
.site-footer { background: #33404c; color: #e4e9ee; padding: 16px 20px; font-size: 13px; border-top: 3px solid var(--gold); }
.site-footer a, .site-footer a:visited { color: #fff; }
.site-footer h2 { color: var(--gold); font-size: 14px; margin: 0 0 6px; border: 0; padding: 0; }
.footer-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 12px; }
.footer-cols ul { list-style: none; padding: 0; margin: 0; }
.footer-cols li { margin-bottom: 3px; }
.disclaimer { border-top: 1px solid #55636f; padding-top: 10px; margin-bottom: 5px; }
.copyright { margin: 0; color: #c0cad3; }

/* Tablet und Telefon */
@media (max-width: 800px) {
  .page { margin: 0; border: 0; box-shadow: none; }
  .columns { grid-template-columns: minmax(0, 1fr); }
  .content { padding: 14px 16px 20px; }
  .sidebar { border-left: 0; border-top: 1px solid #e3e8ed; padding: 14px 16px; }
  .site-header { padding: 12px 16px; }
  .breadcrumb { padding: 6px 16px; }
  .mainnav { padding: 0; }
  .mainnav ul { display: grid; grid-template-columns: repeat(4, 1fr); }
  .mainnav a, .mainnav li:first-child a { border: 0; border-right: 1px solid #c8d2db; border-bottom: 1px solid #c8d2db; text-align: center; padding: 10px 2px; font-size: 12.5px; }
  .site-footer { padding: 14px 16px; }
}
@media (max-width: 560px) {
  body { font-size: 15px; }
  h1 { font-size: 24px; }
  .logo-name { font-size: 26px; }
  .logo-claim { font-size: 12px; }
  .twobox, .footer-cols { grid-template-columns: 1fr; }
  .field { grid-template-columns: 1fr; gap: 3px; margin-bottom: 11px; }
  .field input { text-align: left; }
  .mainnav a, .mainnav li:first-child a { font-size: 11.5px; }
  table { font-size: 13px; }
  th, td { padding: 6px; }
}

@media print {
  body { background: #fff; }
  .page { border: 0; box-shadow: none; margin: 0; max-width: none; }
  .mainnav, .sidebar, .breadcrumb, .skip { display: none; }
  .columns { display: block; }
  a.extern::after { content: " (" attr(href) ")"; font-size: .8em; word-break: break-all; }
}