:root{--rg-navy: #002147;--rg-cyan: #00aeef;--rg-teal: #008080;--rg-link: #0378a0;--rg-gold: #d4af37;--rg-ink: #333;--rg-muted: #6b7785;--rg-border: #e3e8ee;--rg-amber: #e67e22;--rg-amber-bg: #fdf3e8}.ratgeber-shell{font-family:Open Sans,Arial,sans-serif;max-width:1180px;margin:0 auto;padding:8px 16px 60px;box-sizing:border-box}.rg-masthead{background:#fff;border:1px solid var(--rg-border);border-radius:14px;box-shadow:0 2px 14px #00214717;padding:24px 34px 26px;margin-bottom:24px}.rg-brand{text-align:center;margin-bottom:14px}.rg-brand img{max-width:300px;width:65%;height:auto;display:inline-block}.rg-masthead h1{font-size:clamp(1.6rem,4.2vw,2.35rem);line-height:1.25;color:var(--rg-navy);margin:0 0 10px;padding-bottom:.35em;border-bottom:3px solid var(--rg-cyan);text-wrap:balance}.rg-meta{font-size:.85rem;color:var(--rg-muted);margin:0}.rg-layout{display:grid;grid-template-columns:300px minmax(0,1fr);gap:32px;align-items:start}.rg-rail{position:sticky;top:90px;display:flex;flex-direction:column;gap:18px}.rg-toc,.rg-toc-mobile{background:#fff;border:1px solid var(--rg-border);border-radius:14px;box-shadow:0 2px 10px #00214714;overflow:hidden}.rg-toc-bar{height:6px;background:linear-gradient(90deg,var(--rg-cyan),var(--rg-teal))}.rg-toc-inner{padding:16px 20px 20px}.rg-toc-title{font-weight:700;color:var(--rg-navy);font-size:1.02rem;margin:0 0 10px;padding-bottom:10px;border-bottom:1px solid var(--rg-border)}.rg-toc-list{list-style:none;margin:0;padding:0;counter-reset:toc}.rg-toc-list li{counter-increment:toc;margin:0}.rg-toc-list a{display:grid;grid-template-columns:1.7rem 1fr;column-gap:8px;align-items:baseline;padding:6px 0;color:var(--rg-muted);text-decoration:none;font-size:.92rem;line-height:1.4;transition:color .15s;overflow-wrap:anywhere}.rg-toc-list a:before{content:counter(toc) ".";text-align:right;font-weight:700;color:var(--rg-teal);font-variant-numeric:tabular-nums}.rg-toc-list a:hover{color:var(--rg-navy)}.rg-toc-list a[data-active]{color:var(--rg-navy);font-weight:700}.rg-toc-mobile{display:none;margin:0 0 24px}.rg-toc-mobile summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:13px 16px;font-weight:700;color:var(--rg-navy)}.rg-toc-mobile summary::-webkit-details-marker{display:none}.rg-chev{transition:transform .2s;color:var(--rg-muted);flex:none}.rg-toc-mobile[open] .rg-chev{transform:rotate(180deg)}.rg-toc-mobile nav{padding:0 16px 14px}.rg-hotline{background:linear-gradient(160deg,var(--rg-navy),#013a63);color:#fff;border-radius:14px;padding:20px;text-align:center;box-shadow:0 10px 26px #00214747}.rg-hotline-kicker{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--rg-gold);margin:0 0 6px;font-weight:700}.rg-hotline-num{font-size:1.4rem;font-weight:800;margin:0 0 4px}.rg-hotline-sub{font-size:.8rem;color:#bcd3e6;margin:0 0 14px}.rg-hotline a{display:block;background:var(--rg-cyan);color:#fff;text-decoration:none;font-weight:700;padding:11px;border-radius:9px;font-size:.92rem;transition:background .2s}.rg-hotline a:hover{background:#09c}.rg-hotline a.rg-hotline-alt{background:transparent;border:1px solid rgba(255,255,255,.4);margin-top:8px;font-size:.85rem}.rg-hotline a.rg-hotline-alt:hover{background:#ffffff1a}.rg-hotline--mobile{display:none;margin:2em 0}.rg-article{background:#fff;border:1px solid var(--rg-border);border-radius:14px;padding:32px 40px 40px;box-shadow:0 2px 14px #00214717;color:var(--rg-ink);line-height:1.8;overflow-wrap:break-word;min-width:0}.article-body{counter-reset:section}.article-body h2{font-size:1.5rem;color:var(--rg-navy);margin:1.9em 0 .6em;line-height:1.35;text-wrap:balance;scroll-margin-top:130px}.article-body.nummeriert h2:not(.no-num){padding-left:2.5rem;position:relative}.article-body.nummeriert h2:not(.no-num):before{counter-increment:section;content:counter(section) ".";position:absolute;left:0;width:1.9rem;text-align:right;color:var(--rg-cyan);font-weight:800}.article-body h2:first-child{margin-top:.2em}.article-body h3{font-size:1.16rem;color:var(--rg-navy);margin:1.6em 0 .4em}.article-body h4{font-size:1.05rem;color:var(--rg-teal);margin:1.2em 0 .4em}.article-body p{margin:0 0 1.15em}.article-body ul,.article-body ol{margin:0 0 1.2em;padding-left:1.6em}.article-body li{margin-bottom:.5em}.article-body a{color:var(--rg-link);text-decoration:none;font-weight:600}.article-body a:hover{text-decoration:underline}.article-body strong{color:var(--rg-navy)}.article-body em{font-style:italic}.article-body .highlight-box{background:#e7f7fe;border-left:5px solid var(--rg-cyan);padding:16px 18px;margin:1.6em 0;border-radius:8px}.article-body .highlight-box h4{margin:0 0 .4em;color:var(--rg-navy)}.article-body .highlight-box p{margin:0 0 .4em}.article-body .highlight-box p:last-child{margin-bottom:0}.article-body .important-notice{background:var(--rg-amber-bg);border-left:5px solid var(--rg-amber);padding:16px 18px;margin:1.8em 0;border-radius:8px}.article-body .important-notice strong{color:#b5651d}.article-body .einschaetzung{background:#f4f7fb;border:1px solid var(--rg-border);border-left:5px solid var(--rg-navy);padding:16px 18px;margin:1.8em 0;border-radius:8px}.article-body .einschaetzung h4{margin:0 0 .5em;color:var(--rg-navy);font-size:1.02rem}.article-body .einschaetzung p{margin:0 0 .6em;font-size:.96rem}.article-body .einschaetzung p:last-child{margin-bottom:0}.article-body table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.92rem;table-layout:fixed}.article-body th,.article-body td{border:1px solid var(--rg-border);padding:10px;text-align:left;overflow-wrap:break-word}.article-body th{background:#f1f5f8;color:var(--rg-navy);font-weight:700}.article-body caption{caption-side:bottom;font-size:.85rem;color:var(--rg-muted);margin-top:.5em;text-align:left}.rg-article .call-to-action{background:var(--rg-cyan);color:#fff;padding:22px;text-align:center;border-radius:10px;margin:2em 0}.rg-article .call-to-action h3{color:#fff;margin-top:0}.rg-article .call-to-action a{background:#fff;color:var(--rg-navy);padding:10px 20px;text-decoration:none;border-radius:6px;font-weight:700;display:inline-block;margin:10px 6px 0}.rg-article .rg-outro{margin:1.6em 0;color:var(--rg-ink)}.rg-article .rg-outro a{color:var(--rg-link);font-weight:600}@media(max-width:900px){.rg-layout{grid-template-columns:1fr;gap:0}.rg-rail{display:none}.rg-toc-mobile,.rg-hotline--mobile{display:block}.rg-masthead{padding:20px 18px}.rg-article{padding:24px 20px 30px}.article-body h2{font-size:1.35rem}}