.res-band{width:100%;max-width:1100px;box-sizing:border-box;min-width:0;margin:2rem auto 0;padding:38px 24px 34px;border-radius:14px;background:linear-gradient(160deg,#002147,#013a63);box-shadow:0 10px 30px #00214738}.res-band *{box-sizing:border-box}.res-band .res-inner{max-width:900px;margin:0 auto}.res-band .res-kicker{display:inline-flex;align-items:center;gap:7px;color:#00aeef;font-size:.78rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:10px}.res-band .res-kicker:before,.res-band .res-kicker:after{content:"";width:22px;height:2px;background:#00aeef;border-radius:1px}.res-band h2{color:#fff;font-size:1.8rem;line-height:1.25;margin:0 0 12px;text-align:left;text-wrap:balance}.res-band .res-lead{color:#cfe0f2;font-size:1.02rem;line-height:1.65;margin:0 0 22px;text-align:left;text-wrap:pretty}.res-band .res-grid{list-style:none;margin:0 0 22px;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,210px),1fr));gap:14px}.res-band 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rgba(126,197,240,.22);text-wrap:pretty}.res-band .res-note{color:#a8c6e2;font-size:.95rem;line-height:1.6;margin:0;text-align:left;text-wrap:pretty}.res-band a{color:#fff;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.45)}.res-band a:hover,.res-band a:focus-visible{color:#00aeef;border-bottom-color:#00aeef}@media(max-width:560px){.res-band{padding:28px 16px 26px}.res-band h2{font-size:1.42rem}.res-band .res-fig{font-size:1.6rem}}.expertise-box[data-astro-cid-lmo6hmhs]{display:flex;flex-wrap:wrap;align-items:center;gap:2.5rem;background-color:#f8fafc;padding:2.5rem;border-radius:12px;border:1px solid #e2e8f0}.expertise-image[data-astro-cid-lmo6hmhs]{flex-shrink:0;text-align:center}.expertise-content[data-astro-cid-lmo6hmhs]{flex:1;min-width:300px}.expertise-headline[data-astro-cid-lmo6hmhs]{margin-top:0;margin-bottom:1rem;font-size:1.8rem;color:#004080}.expertise-content[data-astro-cid-lmo6hmhs] p[data-astro-cid-lmo6hmhs]{font-size:1rem;line-height:1.7;margin-bottom:1rem;color:#334155}.btn-mehr-erfahren[data-astro-cid-lmo6hmhs]{display:inline-block;margin-top:1rem;font-weight:700;color:#0056b3;text-decoration:none;transition:all .2s ease}.btn-mehr-erfahren[data-astro-cid-lmo6hmhs]:hover{color:#00aeef;text-decoration:underline}.btn-mehr-erfahren[data-astro-cid-lmo6hmhs] i[data-astro-cid-lmo6hmhs]{margin-left:.5rem;transition:transform .2s ease}.btn-mehr-erfahren[data-astro-cid-lmo6hmhs]:hover i[data-astro-cid-lmo6hmhs]{transform:translate(4px)}@media(max-width:768px){.expertise-box[data-astro-cid-lmo6hmhs]{flex-direction:column;text-align:center;padding:2rem}.expertise-headline[data-astro-cid-lmo6hmhs]{font-size:1.5rem}}.pruef-grid[data-astro-cid-lmo6hmhs]{list-style:none;margin:1.8rem 0 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strong[data-astro-cid-lmo6hmhs]{display:block;font-size:1.05rem;color:#004080;margin-bottom:4px}.pruef-txt[data-astro-cid-lmo6hmhs] p[data-astro-cid-lmo6hmhs]{margin:0;font-size:.93rem;line-height:1.6;color:#3a4a5c}.klausel-section[data-astro-cid-lmo6hmhs] .klausel-intro[data-astro-cid-lmo6hmhs]{max-width:760px;margin-left:auto;margin-right:auto;line-height:1.7}.klausel-body[data-astro-cid-lmo6hmhs]{max-width:820px;margin:2rem auto 0}.klausel-body[data-astro-cid-lmo6hmhs] h3[data-astro-cid-lmo6hmhs]{display:flex;align-items:center;gap:12px;color:#004080;font-size:1.2rem;margin:1.8rem 0 .7rem}.klausel-ic[data-astro-cid-lmo6hmhs]{flex-shrink:0;width:40px;height:40px;border-radius:11px;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#00aeef,#0072bc);box-shadow:0 4px 10px #00408038}.klausel-ic[data-astro-cid-lmo6hmhs] svg[data-astro-cid-lmo6hmhs]{width:21px;height:21px;color:#fff}.klausel-body[data-astro-cid-lmo6hmhs] p[data-astro-cid-lmo6hmhs]{font-size:1rem;line-height:1.75;color:#334155;margin:0 0 .5rem}.klausel-body[data-astro-cid-lmo6hmhs] .klausel-fazit[data-astro-cid-lmo6hmhs]{margin-top:1.8rem;padding:1.1rem 1.3rem;background:#edfaff;border-left:4px solid #00AEEF;border-radius:6px}.klausel-body[data-astro-cid-lmo6hmhs] a[data-astro-cid-lmo6hmhs]{color:#0072bc;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(0,114,188,.35)}.klausel-body[data-astro-cid-lmo6hmhs] a[data-astro-cid-lmo6hmhs]:hover,.klausel-body[data-astro-cid-lmo6hmhs] a[data-astro-cid-lmo6hmhs]:focus-visible{color:#004080;border-bottom-color:#004080}.ratgeber-teaser-section[data-astro-cid-lmo6hmhs]{width:100%;max-width:100%;box-sizing:border-box;min-width:0;margin:2.5rem 0;padding:0 1rem}.ratgeber-teaser-section[data-astro-cid-lmo6hmhs] .ratgeber-teaser-intro[data-astro-cid-lmo6hmhs]{max-width:820px;margin:0 auto .5rem;text-align:center}.ratgeber-teaser-section[data-astro-cid-lmo6hmhs] .ratgeber-teaser-intro[data-astro-cid-lmo6hmhs] svg[data-astro-cid-lmo6hmhs]{display:block;margin:0 auto 10px}.ratgeber-teaser-section[data-astro-cid-lmo6hmhs] .ratgeber-teaser-intro[data-astro-cid-lmo6hmhs] h2[data-astro-cid-lmo6hmhs]{color:#002147;font-size:1.7rem;font-weight:700;margin:0 0 8px}.ratgeber-teaser-section[data-astro-cid-lmo6hmhs] .ratgeber-teaser-intro[data-astro-cid-lmo6hmhs] p[data-astro-cid-lmo6hmhs]{color:#334155;font-size:1.05rem;line-height:1.5;margin:0}.container{max-width:900px;margin-left:auto;margin-right:auto;padding-left:1rem;padding-right:1rem}.section-padded{padding:3rem 0}.section-accent{background-color:#f8fafc;padding:3rem 0;border-top:1px solid #e2e8f0;border-bottom:1px solid #e2e8f0}.text-center{text-align:center}.btn{display:inline-block;padding:12px 25px;border-radius:5px;text-decoration:none;font-weight:700;transition:background-color .3s ease,transform .2s 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0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));gap:16px}.risk-card{background:#fff;border:1px solid #e4ecf5;border-radius:14px;padding:20px 18px;box-shadow:0 4px 14px #003c780f;text-align:left;transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease}.risk-card:hover{transform:translateY(-4px);box-shadow:0 14px 28px #003c7821;border-color:#cfe0f2}.risk-ic{width:40px;height:40px;border-radius:11px;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#0072bc,#004080);box-shadow:0 4px 10px #0040803d}.risk-ic svg{width:20px;height:20px;color:#fff}.risk-card h3{margin:14px 0 7px;font-size:1.05rem;line-height:1.35;color:#004080}.risk-card p{margin:0;font-size:.93rem;line-height:1.6;color:#3a4a5c;text-wrap:pretty}.risk-card a{color:#0072bc;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(0,114,188,.35)}.risk-card a:hover,.risk-card 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#e4ecf5;border-radius:14px;padding:26px 24px;box-shadow:0 6px 18px #003c7812}.spez-ic{flex-shrink:0;width:46px;height:46px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#00aeef,#0072bc);box-shadow:0 4px 10px #00408038}.spez-ic svg{width:23px;height:23px;color:#fff}.spez-body{min-width:0}.spez-card h2{margin:2px 0 10px;font-size:1.35rem;line-height:1.3;color:#004080;text-align:left}.spez-card p{margin:0 0 16px;font-size:.98rem;line-height:1.7;color:#3a4a5c;text-align:left;text-wrap:pretty}.spez-links{display:flex;flex-direction:column;gap:10px}.spez-links a{display:inline-flex;align-items:center;gap:9px;font-weight:600;color:#0072bc;text-decoration:none;transition:color .2s ease}.spez-links svg{width:17px;height:17px;flex-shrink:0;transition:transform .2s ease}.spez-links a:hover,.spez-links a:focus-visible{color:#004080;text-decoration:underline;text-underline-offset:3px}.spez-links a:hover svg{transform:translate(3px)}@media(max-width:600px){.notice,.spez-card{flex-direction:column;gap:14px;padding:20px 16px}.notice h2{font-size:1.15rem}.spez-card h2{font-size:1.2rem}}