/* Nexus Bridge Capital – Ratgeber-Stylesheet (shared) */
:root{
  --c-bg:#0A1220;--c-bg-1:#0D1626;--c-bg-2:#121D31;--c-bg-3:#1A2740;--c-bg-4:#223251;
  --c-gold:#C8A560;--c-gold-lt:#E0C68A;--c-gold-soft:#F0D9A8;--c-gold-dk:#8E7340;--c-gold-glow:rgba(200,165,96,.35);
  --t-0:#FFFFFF;--t-1:rgba(255,255,255,.92);--t-2:rgba(255,255,255,.66);--t-3:rgba(255,255,255,.52);--t-4:rgba(255,255,255,.18);
  --gl-1:rgba(255,255,255,.03);--gl-2:rgba(255,255,255,.055);--gl-3:rgba(255,255,255,.09);
  --bd-1:rgba(255,255,255,.07);--bd-2:rgba(255,255,255,.13);--bd-gold:rgba(200,165,96,.32);--bd-gold-2:rgba(200,165,96,.55);
  --sh-md:0 8px 32px rgba(0,0,0,.5);--sh-gold:0 0 60px rgba(200,165,96,.18);
  --f-serif:'Fraunces',Georgia,serif;--f-sans:'Inter',-apple-system,system-ui,sans-serif;
  --w-max:1180px;--w-text:760px;--pad-x:32px;--r-sm:6px;--r-md:12px;--r-lg:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--c-bg);color:var(--t-1);font-family:var(--f-sans);font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-wrap:break-word}
h1,h2,h3,h4,h5,h6{overflow-wrap:break-word;text-wrap:balance}
.lead,.hero .lead{text-wrap:pretty}
a{color:var(--c-gold-lt);text-decoration:none}
a:hover{color:var(--c-gold-soft);text-decoration:underline}
/* WCAG 1.4.1: ein Link mitten im Text braucht mehr als seine Farbe. */
main p>a,main li>a,main dd>a,main td>a,main th>a,.card p>a,.form small>a,.ft2-note>a,
.note>a,p.note>a,.src>a,figcaption>a{
  text-decoration:underline;text-decoration-thickness:from-font;text-underline-offset:2px}
main p>a:hover,main li>a:hover,main dd>a:hover,main td>a:hover{text-decoration-thickness:2px}
main sup>a,main p>a.btn,main li>a.btn{text-decoration:none}
img{max-width:100%;height:auto}
.wrap{max-width:var(--w-max);margin:0 auto;padding:0 var(--pad-x)}
.skip{position:absolute;left:-999px}
/* Sichtbarer Tastaturfokus auf der ganzen Seite, nicht nur der Browserstandard. */
:focus-visible{outline:2px solid var(--c-gold-soft);outline-offset:3px;border-radius:3px}
.btn:focus-visible,.ft2-cta:focus-visible{outline-offset:4px}
.skip:focus{left:12px;top:12px;background:var(--c-gold);color:#1a1205;padding:8px 12px;border-radius:6px;z-index:999}

/* NAV */
.nav{position:sticky;top:0;z-index:50;background:rgba(10,18,32,.86);backdrop-filter:blur(14px);border-bottom:1px solid var(--bd-1)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:var(--t-0)}
.brand:hover{text-decoration:none}
.brand img{width:40px;height:40px;border-radius:8px}
.brand-name{font-family:var(--f-serif);font-size:16px;letter-spacing:.02em;display:block;line-height:1.1}
.brand-sub{display:block;font-size:10.5px;color:var(--t-3);letter-spacing:.06em;text-transform:uppercase}
.nav-menu{display:flex;gap:26px;list-style:none;margin:0;padding:0;align-items:center}
.nav-menu>li{flex:0 0 auto}
.nav-menu a{color:var(--t-2);font-size:14px;letter-spacing:.01em}
.nav-menu a:hover{color:var(--t-0);text-decoration:none}
.btn{display:inline-block;padding:11px 20px;border-radius:999px;border:1px solid var(--bd-gold-2);color:var(--c-gold-soft);font-weight:600;font-size:14px;letter-spacing:.01em;background:transparent;cursor:pointer;transition:all .2s;white-space:nowrap}
.btn:hover{text-decoration:none;border-color:var(--c-gold);color:#fff}
.btn-gold{background:linear-gradient(135deg,var(--c-gold-lt),var(--c-gold));color:#1a1205;border-color:transparent}
.btn-gold:hover{color:#1a1205;box-shadow:var(--sh-gold)}
.menu-toggle{display:none;background:none;border:1px solid var(--bd-2);border-radius:8px;width:40px;height:36px;color:var(--t-1);cursor:pointer}
/* Zwischen 901 und 1200 px wird die Kopfzeile eng: der Knopf darf nicht mehr
   schrumpfen (white-space:nowrap), also muessen Abstaende und Groessen nachgeben. */
@media(max-width:1200px){.nav-menu{gap:16px}.nav-menu a{font-size:13.5px}
  .nav .btn{padding:10px 15px;font-size:13px}.brand-sub{font-size:9px}}
@media(max-width:1080px){.nav-menu{gap:11px}.nav-menu a{font-size:13px}
  .nav-menu a[hreflang]{font-size:11.5px;letter-spacing:.06em}
  .nav .btn{padding:9px 14px;font-size:12.5px}
  .nav .brand-sub{display:none}}
@media(max-width:940px){.nav-menu{display:none}.menu-toggle{display:block}.brand-sub{display:none}}
.mob{display:none;position:fixed;inset:0;z-index:60;background:rgba(10,18,32,.98);padding:80px 28px}
.mob.open{display:block}
.mob a{display:block;font-size:20px;padding:14px 0;border-bottom:1px solid var(--bd-1);color:var(--t-1)}
.mob .close{position:absolute;top:18px;right:20px;background:none;border:0;color:var(--t-1);font-size:28px;cursor:pointer}

/* HERO / ARTICLE HEAD */
.hero{padding:64px 0 32px;border-bottom:1px solid var(--bd-1);background:radial-gradient(1200px 400px at 20% -10%,rgba(200,165,96,.10),transparent 60%)}
.crumbs{font-size:13px;color:var(--t-3);margin-bottom:18px}
.crumbs a{color:var(--t-3)}
.crumbs span{margin:0 8px;color:var(--t-4)}
.kicker{display:inline-block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--c-gold);border:1px solid var(--bd-gold);padding:5px 12px;border-radius:999px;margin-bottom:18px}
h1{font-family:var(--f-serif);font-weight:400;font-size:clamp(32px,4.6vw,52px);line-height:1.12;margin:0 0 18px;color:var(--t-0);letter-spacing:-.01em}
h1 em{font-style:italic;color:var(--c-gold-lt)}
.lead{font-size:19px;color:var(--t-2);max-width:var(--w-text);margin:0 0 22px}
.meta{display:flex;flex-wrap:wrap;gap:18px 28px;font-size:13.5px;color:var(--t-3);align-items:center}
.meta b{color:var(--t-2);font-weight:500}
.meta .avatar{width:28px;height:28px;border-radius:50%;background:var(--c-bg-3);border:1px solid var(--bd-gold);display:inline-flex;align-items:center;justify-content:center;font-size:11px;color:var(--c-gold);margin-right:8px;vertical-align:middle}

/* LAYOUT */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding:48px 0 80px}
@media(max-width:1000px){.layout{grid-template-columns:1fr;gap:40px}}
article{max-width:var(--w-text);min-width:0}
.layout>*{min-width:0}
article h2{font-family:var(--f-serif);font-weight:400;font-size:clamp(26px,3vw,34px);line-height:1.2;margin:56px 0 14px;color:var(--t-0);scroll-margin-top:90px}
article h3{font-size:20px;font-weight:600;margin:34px 0 10px;color:var(--t-0);scroll-margin-top:90px}
article p{margin:0 0 16px}
article ul,article ol{padding-left:22px;margin:0 0 18px}
article li{margin-bottom:6px}
.answer{background:linear-gradient(180deg,rgba(200,165,96,.10),rgba(200,165,96,.04));border:1px solid var(--bd-gold);border-left:3px solid var(--c-gold);border-radius:var(--r-md);padding:18px 20px;margin:0 0 22px;font-size:17px}
.answer b{color:var(--t-0)}
.answer .lbl{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--c-gold);margin-bottom:6px}
.note{background:var(--gl-2);border:1px solid var(--bd-1);border-radius:var(--r-md);padding:16px 18px;margin:18px 0;font-size:15.5px;color:var(--t-2)}
.tag{display:inline-block;font-size:11px;letter-spacing:.1em;text-transform:uppercase;padding:3px 9px;border-radius:4px;margin-right:6px;font-weight:600;vertical-align:middle}
.tag-rule{background:rgba(94,196,140,.14);color:#8FE0B4;border:1px solid rgba(94,196,140,.35)}
.tag-bank{background:rgba(96,150,240,.14);color:#9FC1FF;border:1px solid rgba(96,150,240,.35)}
.tag-exp{background:rgba(200,165,96,.16);color:var(--c-gold-lt);border:1px solid var(--bd-gold)}
.tag-ex{background:rgba(255,255,255,.08);color:var(--t-2);border:1px solid var(--bd-2)}
.tabwrap{overflow-x:auto;margin:18px 0 24px;border:1px solid var(--bd-1);border-radius:var(--r-md)}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--bd-1);vertical-align:top}
th{background:var(--c-bg-2);color:var(--c-gold-lt);font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
tr:last-child td{border-bottom:0}
td small{color:var(--t-3)}
sup a{color:var(--c-gold);font-size:11px;text-decoration:none;margin-left:1px}
.toc{background:var(--gl-1);border:1px solid var(--bd-1);border-radius:var(--r-md);padding:18px 20px;margin:0 0 34px}
.toc b{display:block;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--t-3);margin-bottom:10px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}
.toc li{font-size:14.5px;margin-bottom:5px;break-inside:avoid}
.toc a{color:var(--t-2)}
@media(max-width:700px){.toc ol{columns:1}}
.faq details{border:1px solid var(--bd-1);border-radius:var(--r-md);background:var(--gl-1);margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;padding:16px 0;font-weight:600;color:var(--t-0);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";color:var(--c-gold);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 0 16px;color:var(--t-2)}
.sources{font-size:14px;color:var(--t-2)}
.sources ol{padding-left:20px}
.sources li{margin-bottom:8px;word-break:break-word}
.reviewbox{display:flex;gap:16px;align-items:flex-start;background:var(--gl-2);border:1px solid var(--bd-1);border-radius:var(--r-md);padding:18px;margin:40px 0 0}
.reviewbox .avatar{flex:0 0 56px;width:56px;height:56px;border-radius:50%;background:var(--c-bg-3);border:1px solid var(--bd-gold);display:flex;align-items:center;justify-content:center;font-family:var(--f-serif);color:var(--c-gold);font-size:18px}
.reviewbox b{color:var(--t-0)}
.reviewbox small{color:var(--t-3);display:block;margin-top:6px}

/* SIDEBAR */
aside{position:sticky;top:90px;align-self:start}
.card{background:var(--c-bg-1);border:1px solid var(--bd-1);border-radius:var(--r-lg);padding:22px;margin-bottom:18px}
.card h4,.card>h2.card-h{margin:0 0 8px;font-family:var(--f-serif);font-weight:400;font-size:22px;color:var(--t-0)}
.card p{font-size:14.5px;color:var(--t-2);margin:0 0 14px}
.card .btn{width:100%;text-align:center}
.card ul{list-style:none;padding:0;margin:0}
.card li{font-size:14px;padding:8px 0;border-bottom:1px solid var(--bd-1)}
.card li:last-child{border-bottom:0}
.card li a{color:var(--t-2)}
.card li a:hover{color:var(--c-gold-lt)}
.trust{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.trust span{font-size:12px;color:var(--t-3);border:1px solid var(--bd-1);border-radius:999px;padding:4px 10px}

/* FORM */
.form{background:var(--c-bg-1);border:1px solid var(--bd-gold);border-radius:var(--r-lg);padding:28px;margin:48px 0 0;box-shadow:var(--sh-gold)}
.form h3{margin:0 0 6px;font-family:var(--f-serif);font-weight:400;font-size:26px}
.form p{color:var(--t-2);font-size:15px;margin:0 0 18px}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:640px){.grid{grid-template-columns:1fr}}
.form label{display:block;font-size:12.5px;color:var(--t-3);margin-bottom:4px;letter-spacing:.04em}
.form input,.form select,.form textarea{width:100%;padding:11px 12px;border-radius:8px;border:1px solid var(--bd-2);background:var(--c-bg-2);color:var(--t-0);font:inherit;font-size:15px}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--c-gold)}
.form .full{grid-column:1/-1}
.form small{color:var(--t-3);font-size:12.5px;display:block;margin-top:10px}
.form .btn{margin-top:14px}
.form .ok{display:none;background:rgba(94,196,140,.12);border:1px solid rgba(94,196,140,.4);border-radius:8px;padding:14px;margin-top:14px;color:#BFF2D4}

/* FOOTER */
footer{border-top:1px solid var(--bd-1);background:var(--c-bg-1);padding:56px 0 28px;margin-top:40px}
.ft{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
@media(max-width:900px){.ft{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.ft{grid-template-columns:1fr}}
.ft h5{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--c-gold);margin:0 0 14px}
.ft ul{list-style:none;padding:0;margin:0}
.ft li{margin-bottom:9px;font-size:14px}
.ft li a{color:var(--t-2)}
.ft p{font-size:14px;color:var(--t-2);max-width:420px}
.fb{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;border-top:1px solid var(--bd-1);margin-top:36px;padding-top:20px;font-size:13px;color:var(--t-3)}
.fb a{color:var(--t-3);margin-left:16px}

/* CONSENT */
#nbc-consent{position:fixed;left:0;right:0;bottom:0;z-index:99999;display:none;background:#0A1A2F;color:#EAF0F8;border-top:1px solid var(--c-gold);padding:16px 18px;box-shadow:0 -8px 30px rgba(0,0,0,.4)}
#nbc-consent .in{max-width:1080px;margin:0 auto;display:flex;gap:16px;flex-wrap:wrap;align-items:center;justify-content:space-between}
#nbc-consent p{font-size:13px;line-height:1.5;max-width:680px;margin:0}
#nbc-consent .b{display:flex;gap:10px;flex-wrap:wrap}
#nbc-consent button{border-radius:8px;padding:10px 16px;font-size:13px;cursor:pointer}
#nbc-consent .dec{background:transparent;border:1px solid #1d3a63;color:#90A6C4}
#nbc-consent .acc{background:var(--c-gold);border:0;color:#1a1205;font-weight:600}
#nbc-co-reopen{position:fixed;left:14px;bottom:14px;z-index:9999;width:36px;height:36px;border-radius:50%;border:1px solid var(--bd-gold);background:var(--c-bg-2);color:var(--c-gold);display:none;align-items:center;justify-content:center;cursor:pointer}
.print-only{display:none}
@media print{.nav,aside,footer,#nbc-consent,#nbc-co-reopen,.form{display:none!important}body{background:#fff;color:#000}a{color:#000}}


/* FOOTER v2 (ftr2) */
.ftr2{position:relative;border-top:0;background:linear-gradient(180deg,var(--c-bg-1),var(--c-bg));padding:64px 0 26px;margin-top:56px}
.ftr2::before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--bd-gold),transparent)}
.ft2{display:grid;grid-template-columns:minmax(300px,1fr) 2.75fr;gap:48px;align-items:start}
.ft2-brand .brand{margin-bottom:16px}
.ft2-brand .brand-sub{letter-spacing:.045em;font-size:10px;white-space:nowrap}
.ft2-claim{font-size:14.5px;line-height:1.65;color:var(--t-2);margin:0 0 20px;max-width:380px}
.ft2-contact{display:flex;flex-direction:column;align-items:flex-start;gap:10px;margin-bottom:20px}
.ft2-cta{display:inline-block;padding:11px 22px;border-radius:999px;background:linear-gradient(135deg,var(--c-gold-lt),var(--c-gold));color:#1a1205;font-weight:600;font-size:14px;letter-spacing:.01em;transition:box-shadow .2s}
.ft2-cta:hover{color:#1a1205;text-decoration:none;box-shadow:var(--sh-gold)}
.ft2-chip{display:inline-block;max-width:100%;padding:7px 15px;border:1px solid var(--bd-2);border-radius:999px;font-size:13.5px;color:var(--t-2);transition:border-color .2s,color .2s;overflow-wrap:anywhere}
.ft2-chip:hover{border-color:var(--bd-gold-2);color:var(--c-gold-soft);text-decoration:none}
.ft2-addr{font-size:12.5px;line-height:1.6;color:var(--t-3);margin:0}
.ft2-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.ft2-cols.c3{grid-template-columns:repeat(3,1fr);gap:32px}
.ft2-cols h5,.ft2-cols h2{position:relative;font-size:11.5px;letter-spacing:.15em;text-transform:uppercase;color:var(--c-gold);margin:2px 0 16px;padding-bottom:10px}
.ft2-cols h5::after,.ft2-cols h2::after{content:"";position:absolute;left:0;bottom:0;width:26px;height:1px;background:var(--bd-gold-2)}
.ft2-cols ul{list-style:none;padding:0;margin:0}
.ft2-cols li{margin-bottom:10px;font-size:13.5px;line-height:1.45}
.ft2-cols li a{color:var(--t-2);transition:color .18s}
.ft2-cols li a:hover{color:var(--c-gold-soft);text-decoration:none}
.ft2-note{font-size:12px;line-height:1.6;color:var(--t-3);margin:44px 0 0;padding-top:22px;border-top:1px solid var(--bd-1);max-width:560px}
.ft2-note a{color:var(--t-2)}
.fb2{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;margin-top:20px;font-size:12.5px;color:var(--t-3)}
.ft2-langs{display:flex;flex-wrap:wrap;gap:8px}
.ft2-langs a{padding:5px 13px;border:1px solid var(--bd-1);border-radius:999px;color:var(--t-3);font-size:12px;transition:border-color .2s,color .2s}
.ft2-langs a:hover{border-color:var(--bd-gold);color:var(--c-gold-soft);text-decoration:none}
.ft2-legal a{color:var(--t-3);margin-left:18px}
.ft2-legal a:hover{color:var(--c-gold-soft)}
@media(max-width:1020px){.ft2{grid-template-columns:1fr;gap:40px}.ft2-claim{max-width:640px}
  .ft2-contact{flex-direction:row;flex-wrap:wrap;align-items:center}}
@media(max-width:760px){.ft2-cols,.ft2-cols.c3{grid-template-columns:1fr 1fr;gap:22px 20px}.ftr2{padding:48px 0 24px;margin-top:40px}.ft2-cols li{margin-bottom:9px}}
@media(max-width:560px){.fb2{flex-direction:column;align-items:flex-start;gap:12px}.ft2-legal a{margin:0 18px 0 0}}
@media(max-width:430px){.ft2-cols,.ft2-cols.c3{grid-template-columns:1fr}}
.card .alt{margin:10px 0 0;font-size:13.5px;line-height:1.5}
.card .alt a{color:var(--c-gold-lt)}
.card .alt a:hover{color:var(--c-gold-soft)}

/* Touchziele: Menuetaste und Cookie-Knopf auf 44 px. */
.menu-toggle{min-height:44px;min-width:44px}

/* CTA-Feinschliff 17.09.2026: Knopf auf Startseiten-Niveau */
.btn{position:relative;overflow:hidden}
.btn-gold{padding:13px 26px;font-weight:700;letter-spacing:.02em;background:linear-gradient(180deg,#D4B26F 0%,#B8924C 100%);color:#15110A;border-color:transparent;box-shadow:0 1px 0 rgba(255,255,255,.25) inset,0 0 0 1px rgba(200,165,96,.4),0 8px 32px rgba(200,165,96,.25);transition:transform .35s cubic-bezier(.22,1,.36,1),box-shadow .35s cubic-bezier(.22,1,.36,1)}
.btn-gold:hover{color:#15110A;transform:translateY(-2px);box-shadow:0 1px 0 rgba(255,255,255,.3) inset,0 0 0 1px rgba(200,165,96,.6),0 16px 48px rgba(200,165,96,.4)}
.btn-gold:active{transform:translateY(0)}
.btn-gold::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,.3) 50%,transparent 70%);transform:translateX(-100%);transition:transform .9s cubic-bezier(.22,1,.36,1);pointer-events:none}
.btn-gold:hover::after{transform:translateX(100%)}
.btn-gold:focus-visible{outline:2px solid #F0D9A8;outline-offset:3px}
@media (prefers-reduced-motion:reduce){.btn-gold,.btn-gold::after{transition:none}.btn-gold:hover{transform:none}}

/* ============================================================
   Ergaenzt 20.09.2026: Mobiler Handlungspfad und Inhaltsverzeichnis
   Greift nur unter 760 Pixel Breite. Desktop bleibt unveraendert.
   ============================================================ */
.nbc-cta-m{display:none}
.nbc-bar{display:none}

@media(max-width:760px){

  /* Kompakter Handlungsblock unter der Einleitung */
  .nbc-cta-m{display:block;background:var(--gl-2);border:1px solid var(--bd-gold);
    border-radius:var(--r-md);padding:16px 18px;margin:0 0 30px}
  .nbc-cta-m .k{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;
    color:var(--c-gold);font-weight:600;margin:0 0 8px}
  .nbc-cta-m p{margin:0 0 14px;font-size:15px;line-height:1.55;color:var(--t-2)}
  .nbc-cta-m .btn{display:flex;align-items:center;justify-content:center;
    text-align:center;min-height:48px;line-height:1.3}
  .nbc-cta-m .nbc-alt{display:flex;align-items:center;justify-content:center;
    min-height:44px;margin-top:6px;font-size:14px;color:var(--t-3)}

  /* Inhaltsverzeichnis zuklappbar */
  details.toc{padding:0}
  details.toc>summary{list-style:none;cursor:pointer;display:flex;align-items:center;
    justify-content:space-between;gap:12px;min-height:50px;padding:14px 18px;
    font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--t-3)}
  details.toc>summary::-webkit-details-marker{display:none}
  details.toc>summary::after{content:"+";color:var(--c-gold);font-size:22px;line-height:1}
  details.toc[open]>summary::after{content:"\2212"}
  details.toc ol{padding:0 18px 14px 38px;columns:1}
  details.toc li{font-size:15px;margin-bottom:4px}
  details.toc a{display:inline-block;padding:6px 0;min-height:32px}

  /* Streifen am unteren Rand */
  .nbc-bar{position:fixed;left:0;right:0;bottom:0;z-index:90;
    display:flex;align-items:center;gap:10px;
    padding:10px 12px;padding-bottom:calc(10px + env(safe-area-inset-bottom,0px));
    background:rgba(10,18,32,.96);border-top:1px solid var(--bd-2);
    box-shadow:0 -10px 30px rgba(0,0,0,.45);
    transform:translateY(120%);transition:transform .28s ease;visibility:hidden}
  .nbc-bar.an{transform:translateY(0);visibility:visible}
  .nbc-bar .t{flex:1;min-width:0;font-size:13px;line-height:1.35;color:var(--t-2)}
  .nbc-bar .btn{white-space:nowrap;min-height:44px;display:flex;align-items:center;
    padding-left:16px;padding-right:16px;font-size:14px}
  .nbc-bar .zu{flex:0 0 auto;background:none;border:0;color:var(--t-3);
    font-size:20px;line-height:1;padding:10px 6px;cursor:pointer;min-width:38px;min-height:38px}
  body.nbc-bar-an{padding-bottom:80px}

  /* Zielflaechen */
  .sources a{display:inline-block;padding:4px 0}
}
@media(prefers-reduced-motion:reduce){.nbc-bar{transition:none}}

/* ============================================================
   Ergaenzt 20.09.2026, Teil 2: Lesbarkeit, Tabellen, Zielflaechen
   ============================================================ */

/* Schatten am Rand, solange die Tabelle noch weitergeht */
.tabwrap{
  background:
    linear-gradient(to right, var(--c-bg) 28%, rgba(10,18,32,0)) left center,
    linear-gradient(to left,  var(--c-bg) 28%, rgba(10,18,32,0)) right center,
    radial-gradient(farthest-side at 0 50%,   rgba(0,0,0,.5), rgba(0,0,0,0)) left center,
    radial-gradient(farthest-side at 100% 50%,rgba(0,0,0,.5), rgba(0,0,0,0)) right center;
  background-repeat:no-repeat;
  background-size:34px 100%, 34px 100%, 12px 100%, 12px 100%;
  background-attachment:local, local, scroll, scroll;
}

@media(max-width:760px){

  /* Seitenrand: der Artikel lief bisher bis an beide Displaykanten */
  .wrap{padding-left:20px;padding-right:20px}
  main.wrap.layout{padding-left:20px;padding-right:20px}

  /* Groessen: Listen waren 14,5 Pixel, Fliesstext 17 */
  article li{font-size:16.5px;line-height:1.6;margin-bottom:9px}
  article ul,article ol{padding-left:20px;margin:0 0 20px}
  article p{margin:0 0 18px}
  h1{font-size:clamp(34px,9vw,40px);line-height:1.14}
  article h2{font-size:25px;margin:44px 0 12px}
  article h3{font-size:19px;margin:28px 0 8px}

  /* Kopfbereich: Autorenzeile und Datum enger */
  .meta{gap:6px 18px;font-size:13px}

  /* Zielflaechen */
  footer a,.sources a,article li a{display:inline-block;padding:3px 0}
  .card ul a{display:inline-block;padding:7px 0;min-height:32px}
  .faq summary{min-height:52px}
}

/* Schmale Tabellen werden zu Karten, statt seitlich zu scrollen */
@media(max-width:560px){
  .tabwrap.nbc-karten{overflow:visible;border:0;background:none;margin:18px 0 26px}
  .tabwrap.nbc-karten table{min-width:0;width:100%;display:block}
  .tabwrap.nbc-karten tbody,.tabwrap.nbc-karten thead{display:block}
  .tabwrap.nbc-karten tr{display:block;border:1px solid var(--bd-1);border-radius:var(--r-md);
    background:var(--gl-1);margin-bottom:10px;padding:5px 0}
  .tabwrap.nbc-karten tr.nbc-kopf{display:none}
  .tabwrap.nbc-karten td{display:block;border:0;padding:7px 14px;font-size:15.5px;overflow-wrap:anywhere;min-width:0}
  .tabwrap.nbc-karten td::before{
    content:attr(data-l);display:block;margin-bottom:1px;color:var(--c-gold-lt);
    font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;font-weight:600;line-height:1.6}
  .tabwrap.nbc-karten td:first-child{border-bottom:1px solid var(--bd-1);padding-bottom:10px;margin-bottom:2px}
  .tabwrap.nbc-karten td:empty{display:none}
  article a,.card a{overflow-wrap:anywhere}
  .tabwrap.nbc-karten td:first-child::before{display:none}
  .tabwrap.nbc-karten table,.tabwrap.nbc-karten tr{max-width:100%}
  .tabwrap.nbc-karten td:first-child{font-weight:600}
}

/* ============================================================
   Ergaenzt 20.09.2026, Teil 3: Ersatzschriften mit gemessenen
   Massen, damit beim Nachladen der Webfonts nichts springt.
   ============================================================ */
@font-face{font-family:"Fraunces Ersatz";src:local("Georgia"),local("Times New Roman");size-adjust:87.2%;font-display:swap}
@font-face{font-family:"Inter Ersatz";src:local("Arial"),local("Helvetica Neue"),local("Helvetica");size-adjust:105.9%;font-display:swap}
:root{
  --f-serif:"Fraunces","Fraunces Ersatz",Georgia,serif;
  --f-sans:"Inter","Inter Ersatz",-apple-system,system-ui,sans-serif;
}

/* ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
   Lesefluss 23.09.2026: Kapitelnummern, Fortschrittslinie, Zeilenlaenge, Abstaende
   ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ */

/* Fortschrittslinie am oberen Rand */
#nbc-fortschritt{position:fixed;left:0;top:0;height:3px;width:0;z-index:60;pointer-events:none;
  background:linear-gradient(90deg,var(--c-gold),var(--c-gold-lt));transition:width .08s linear}
@media (prefers-reduced-motion:reduce){#nbc-fortschritt{transition:none}}

/* Kapitelnummern ueber den Abschnittsueberschriften */
main article{counter-reset:nbckap}
main article h2{counter-increment:nbckap}
main article h2.nbc-ohne-nr{counter-increment:none}
main article h2.nbc-nr::before{content:counter(nbckap,decimal-leading-zero);display:block;
  font-family:var(--f-sans);font-size:11.5px;font-weight:600;letter-spacing:.16em;
  color:var(--c-gold);margin-bottom:8px}

/* Nummern im Inhaltsverzeichnis in Gold */
.toc ol li::marker{color:var(--c-gold);font-variant-numeric:tabular-nums}
.toc ol li.nbc-ohne-nr{list-style:none}

/* Zeilenlaenge und Abstaende */
main article>p,main article>ul,main article>ol,main article .answer p,main article .note p{max-width:70ch}
main article h2{margin-top:60px}
main article h3{margin-top:34px}
@media(max-width:760px){
  main article h2{margin-top:44px}
  main article>p,main article>ul,main article>ol,main article .answer p,main article .note p{max-width:none}
}

/* ============ Kennzahlen-Band, 23.09.2026 ============ */
.nbc-kpi{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0 0 10px}
.nbc-kpi-t{border:1px solid var(--bd-gold);border-radius:var(--r-md);padding:18px 18px 16px;
  background:radial-gradient(120% 140% at 12% 0%,#16233B 0%,var(--c-bg-1) 62%);
  display:flex;flex-direction:column;min-width:0}
.nbc-kpi-t .zahl{font-family:var(--f-serif);font-weight:400;font-size:clamp(25px,3.1vw,34px);line-height:1.08;
  color:var(--c-gold-lt);font-variant-numeric:tabular-nums;min-height:2.16em;display:flex;align-items:flex-start;
  overflow-wrap:anywhere}
.nbc-kpi-t .zahl small{font-size:.52em;color:var(--c-gold);letter-spacing:.02em}
.nbc-kpi-t p{margin:10px 0 16px;font-size:14.5px;color:var(--t-2);line-height:1.5;flex:1 1 auto;max-width:none}
.nbc-kpi-t .nbc-tag{align-self:flex-start;margin-top:auto}
/* Farben wie die Tags im Text: Regel gruen, Bank blau, Erfahrung gold, Beispiel neutral (24.09.2026) */
.nbc-tag{display:inline-block;font-size:10.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
  padding:4px 9px;border-radius:var(--r-sm);background:rgba(94,196,140,.14);color:#8FE0B4;border:1px solid rgba(94,196,140,.35)}
.nbc-tag.bank{background:rgba(96,150,240,.14);color:#9FC1FF;border-color:rgba(96,150,240,.35)}
.nbc-tag.bsp{background:rgba(255,255,255,.08);color:var(--t-2);border-color:var(--bd-2)}
.nbc-tag.erf{background:rgba(200,165,96,.16);color:var(--c-gold-lt);border-color:var(--bd-gold)}
.nbc-stand{margin:12px 0 0;font-size:13px;color:var(--t-3)}
.nbc-stand a{color:var(--c-gold-lt)}
@media(max-width:1000px){.nbc-kpi{grid-template-columns:1fr 1fr}}
/* Kompaktmodus Handy, 24.09.2026: Zahl links, Text rechts, Tag darunter */
@media(max-width:700px){.nbc-kpi{grid-template-columns:1fr;gap:8px}
  .nbc-kpi-t{display:grid;grid-template-columns:minmax(92px,32%) 1fr;grid-template-areas:"zahl text" "zahl tag";column-gap:14px;row-gap:6px;padding:12px 14px;align-items:start}
  .nbc-kpi-t .zahl{grid-area:zahl;font-size:21px;min-height:0;line-height:1.12;overflow-wrap:anywhere}
  .nbc-kpi-t p{grid-area:text;margin:0;font-size:13.5px;line-height:1.42}
  .nbc-kpi-t .nbc-tag{grid-area:tag;margin-top:0;font-size:9.5px;justify-self:start}}

/* ============ Gezeichnete Grafiken (Idee 2), 23.09.2026 ============ */
.nbc-grafik{border:1px solid var(--bd-1);border-radius:var(--r-md);background:var(--c-bg-1);
  padding:22px 22px 16px;margin:22px 0 30px}
.nbc-grafik h3{font-family:var(--f-sans);font-size:16.5px;font-weight:600;margin:0 0 16px;
  color:var(--c-gold-soft);letter-spacing:0}
.nbc-grafik h3+h3,.nbc-grafik svg+h3,.nbc-grafik .legende+h3,.nbc-grafik .unter+h3{margin-top:30px}
.nbc-grafik svg{display:block;width:100%;height:auto;overflow:visible}
.nbc-grafik .unter{font-size:13px;color:var(--t-3);margin:14px 0 0;line-height:1.55;max-width:none}
.nbc-grafik .legende{display:flex;flex-wrap:wrap;gap:8px 18px;margin:14px 0 0;font-size:13px;color:var(--t-2)}
.nbc-grafik .legende span{display:flex;align-items:center;gap:8px}
.nbc-grafik .sw{width:14px;height:10px;border-radius:2px;display:inline-block;flex:0 0 auto}
.nbc-grafik .nbc-g-mobil{display:none}
@media(max-width:700px){.nbc-grafik{padding:16px 14px 12px;margin:18px 0 24px}
  .nbc-grafik h3{font-size:15.5px}
  .nbc-grafik .nbc-g-desk{display:none}.nbc-grafik .nbc-g-mobil{display:block}}
.nbc-datenstand{margin:6px 0 0;font-size:12.5px;color:var(--t-3)}
/* WhatsApp-Gruen (01.10.2026) */
a.ft2-chip[href*="wa.me"]{background:#25D366;border-color:transparent;color:#0A1220;font-weight:600}
a.ft2-chip[href*="wa.me"]:hover{background:#2EE673;border-color:transparent;color:#0A1220}
.form .ok a[href*="wa.me"]{display:inline-block;padding:8px 16px;border-radius:999px;background:#25D366;color:#0A1220;font-weight:600;text-decoration:none}