/* 4punkt0 Wertwebseiten · V4 / R5 · 21.10.2026
   Lokale Schriftfamilie; keine externen Fonts, Tracker oder UI-Abhängigkeiten. */
:root{--navy:#081f38;--navy-light:#081f38;--ink:#081f38;--muted:color-mix(in srgb, #081f38 68%, #f0f0f0);--paper:#f0f0f0;--white:#f0f0f0;--line:color-mix(in srgb, #081f38 8%, #f0f0f0);--gold:linear-gradient(to top, #d99229 0%, #f4c14b 100%);--gold-pale:#f0f0f0;--radius:16px;--max:1240px;--header:99px;color-scheme:light;font-family:Inter, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none;text-rendering:optimizeLegibility}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:125px}body{margin:0;font-size:17px;line-height:1.65}body[data-brand=kosten]{--paper:#f0f0f0}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}img{display:block;max-width:100%;height:auto}svg{max-width:100%}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:.2em}a:hover{text-decoration-thickness:2px}button{cursor:pointer}h1,h2,h3,p,ul,ol,figure{margin:0}p+p{margin-top:1em}h1,h2,h3{line-height:1.17;font-weight:650;letter-spacing:-.035em;color:var(--navy);overflow-wrap:break-word}h1{font-size:clamp(2.6rem,4.65vw,4.35rem);font-weight:620;line-height:1.055;max-width:15ch}h2{font-size:clamp(1.85rem,3.2vw,2.7rem);max-width:26ch}h3{font-size:1.25rem;letter-spacing:-.02em}a,button,summary,input{touch-action:manipulation}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #d99229;outline-offset:5px;border-radius:14px}[hidden]{display:none!important}.wrap{max-width:var(--max);margin-inline:auto;width:calc(100% - 96px)}.eyebrow{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;font-weight:750;color:var(--navy-light);display:flex;align-items:center;gap:12px;margin-bottom:18px}.eyebrow:before{content:"";width:27px;height:3px;background:var(--gold);flex-shrink:0}.lead{font-size:1.13rem;line-height:1.7;color:var(--muted);max-width:62ch}.small{font-size:.88rem;line-height:1.6;color:var(--muted)}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;left:20px;top:-100px;z-index:200;background:var(--navy);color:#f0f0f0;padding:12px 22px}.skip-link:focus{top:10px}.icon{width:62px;height:62px;flex-shrink:0}.ui-icon{width:22px;height:22px;flex-shrink:0}.link-arrow{display:inline-flex;align-items:center;gap:10px;font-size:.93rem;font-weight:650;text-decoration:none;line-height:1.45;max-width:100%}.link-arrow:hover span:first-child{text-decoration:underline}.link-arrow .ui-icon{width:19px;height:19px}.button{min-height:52px;display:inline-flex;align-items:center;justify-content:center;gap:13px;border:1px solid transparent;padding:14px 21px;border-radius:14px;line-height:1.3;font-size:.95rem;font-weight:720;text-decoration:none;transition:box-shadow .2s,background-color .2s,transform .2s;color:var(--navy);max-width:100%;text-align:left}.button:hover{transform:translateY(-2px);text-decoration:none;box-shadow:0 7px 20px rgb(8 31 56 / 0.082)}.button-primary{background:var(--gold);box-shadow:0 3px 0 rgb(217 146 41 / 0.11)}.button-secondary{background:transparent;border-color:color-mix(in srgb, #081f38 34%, #f0f0f0)}.button-secondary:hover{background:#f0f0f0}.button-small{min-height:44px;font-size:.85rem;padding:11px 16px}.actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.actions-stack{align-items:flex-start;flex-direction:column;gap:17px}.microcopy{margin-top:16px;display:flex;flex-wrap:wrap;gap:9px 16px;font-size:.79rem;line-height:1.5;color:var(--muted)}.microcopy span{display:inline-flex;align-items:center;gap:7px}.microcopy span:before{content:"";width:5px;height:5px;border-radius:50%;background:color-mix(in srgb, #081f38 65%, #f0f0f0)}.next-note{font-size:.8rem;color:var(--muted);margin-top:13px;max-width:50ch}.site-header{background:rgb(240 240 240 / 0.929);border-bottom:1px solid color-mix(in srgb, color-mix(in srgb, #081f38 7%, #f0f0f0) 50%, transparent);position:sticky;top:0;z-index:50;backdrop-filter:blur(15px)}.header-row{min-height:98px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand-link{flex:0 1 330px;text-decoration:none;min-width:180px}.brand-link img{width:100%;max-height:68px;object-fit:contain;object-position:left center}.desktop-nav{display:flex;align-items:center;gap:27px;white-space:nowrap;font-size:.88rem;font-weight:650}.desktop-nav>a:not(.button){padding:12px 0;text-decoration:none;border-bottom:2px solid transparent}.desktop-nav>a:not(.button):hover,.desktop-nav>a[aria-current=page]{border-bottom-color:#d99229}.desktop-nav .button{white-space:normal;font-size:.85rem;max-width:245px}.menu{display:none;position:relative}.menu>summary{list-style:none;border:1px solid var(--line);width:48px;height:48px;border-radius:14px;display:flex;align-items:center;justify-content:center;cursor:pointer}.menu>summary::-webkit-details-marker{display:none}.menu-panel{background:#f0f0f0;position:absolute;right:0;top:62px;min-width:290px;max-width:calc(100vw - 40px);border:1px solid var(--line);border-radius:14px;box-shadow:0 16px 40px rgb(8 31 56 / 0.125);padding:16px;display:flex;flex-direction:column;gap:4px}.menu-panel>a{padding:11px 12px;text-decoration:none;font-size:.98rem;border-radius:14px}.menu-panel>a[aria-current=page]{background:#f0f0f0}.menu-panel .button{margin-top:8px}.hero{padding:67px 0 79px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.06fr 1fr;gap:64px;align-items:center}.hero-copy .lead{margin-top:26px;font-size:1.1rem;line-height:1.75;max-width:48ch}.hero-copy .actions{margin-top:31px}.hero-visual{position:relative;padding-bottom:55px;min-width:0}.hero-image{width:100%;height:510px;object-fit:cover;object-position:50% 50%;border-radius:16px 16px 74px 16px}.hero-visual:before{content:"";position:absolute;inset:27px -20px 28px 30px;border:1px solid rgb(217 146 41 / 0.439);border-radius:16px 16px 74px 16px;z-index:-1}.photo-note{display:block;font-size:.66rem;color:var(--muted);margin-top:9px;letter-spacing:.02em}.hero-visual>.photo-note{padding-left:4px}.result-peek{position:absolute;left:-30px;right:30px;bottom:0;background:var(--navy);color:#f0f0f0;border-radius:14px;padding:23px 25px;display:flex;align-items:center;gap:18px;box-shadow:0 12px 30px rgb(8 31 56 / 0.082)}.result-peek .icon{width:59px;height:59px;background:#f0f0f0;border-radius:14px;padding:3px}.result-peek .small{color:color-mix(in srgb, #081f38 17%, #f0f0f0);font-size:.78rem;margin-bottom:2px}.result-peek strong{display:block;font-size:1.2rem;line-height:1.3;letter-spacing:-.02em}.result-peek p:last-child{font-size:.81rem;color:color-mix(in srgb, #081f38 9%, #f0f0f0);margin-top:4px}.result-peek .ui-icon{margin-left:auto;filter:brightness(0) invert(1);width:26px}.hero-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#f0f0f0}.hero-strip .wrap{display:flex;justify-content:space-between;align-items:center;padding-block:22px;gap:25px}.strip-item{display:flex;align-items:center;gap:12px;font-size:.89rem;line-height:1.4}.strip-number{font-size:.8rem;font-weight:800;color:color-mix(in srgb, #081f38 60%, #f0f0f0);min-width:23px}.strip-item+.strip-item{padding-left:25px;border-left:1px solid var(--line)}.inner-hero{padding:42px 0 55px;border-bottom:1px solid var(--line);background:#f0f0f0}.breadcrumb{font-size:.8rem;margin-bottom:30px;display:flex;gap:10px;color:var(--muted)}.breadcrumb span{overflow-wrap:anywhere}.inner-hero h1{font-size:clamp(2.45rem,4.1vw,3.9rem);max-width:23ch}.inner-hero .lead{margin-top:24px;max-width:77ch}.inner-hero .actions{margin-top:27px}.inner-hero .next-note{max-width:none}.page-index{background:#f0f0f0;border-bottom:1px solid var(--line)}.page-index .wrap{display:flex;align-items:center;flex-wrap:wrap;gap:9px 25px;padding-block:18px}.page-index-label{font-size:.75rem;text-transform:uppercase;letter-spacing:.07em;font-weight:750;margin-right:2px;color:var(--muted)}.page-index a{font-size:.83rem;line-height:1.5;max-width:35ch;text-decoration:none;padding-block:4px}.page-index a:hover{text-decoration:underline}.section{padding:88px 0;border-bottom:1px solid color-mix(in srgb, #081f38 6%, #f0f0f0)}.section:last-child{border-bottom:0}.section-head{max-width:780px;margin-bottom:36px}.section-head .lead{margin-top:20px}.section-head h2{max-width:28ch}.section-body{max-width:780px;color:var(--muted);font-size:1.03rem}.section-body p{line-height:1.85}.section-body ul,.section-body ol{padding-left:1.3em;margin-block:20px}.section-body li+li{margin-top:8px}.section-body strong{color:var(--navy);font-weight:650}.section-body a{overflow-wrap:anywhere}.text-layout{display:grid;grid-template-columns:1fr 1.35fr;gap:80px}.text-layout .section-head{margin-bottom:0}.text-layout h2{font-size:2.15rem}.text-layout .section-body{align-self:center}.split-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;align-items:center}.section-split:nth-of-type(even) .split-figure{order:2}.split-figure{margin:0;position:relative;min-width:0}.split-figure img{border-radius:14px;width:100%;height:420px;object-fit:cover}.split-figure.portrait{max-width:370px;justify-self:center;width:100%}.split-figure.portrait img{height:455px;object-position:50% 25%}.split-copy .section-head{margin-bottom:20px}.split-copy .section-head h2{font-size:clamp(1.85rem,3vw,2.5rem)}.split-copy .section-body{font-size:1rem}.split-copy .inline-items{margin-top:26px;padding-top:22px;border-top:1px solid var(--line)}.inline-items .item+.item{margin-top:20px}.inline-items .item h3{font-size:1.06rem;margin-bottom:6px}.inline-items .item p{font-size:.92rem;color:var(--muted);margin-bottom:13px}.inline-items .item>.icon{display:none}.section-steps{background:var(--navy);color:color-mix(in srgb, #081f38 11%, #f0f0f0)}.section-steps h2,.section-steps h3{color:#f0f0f0}.section-steps .eyebrow{color:color-mix(in srgb, #081f38 8%, #f0f0f0)}.section-steps .lead{color:color-mix(in srgb, #081f38 16%, #f0f0f0)}.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;counter-reset:steps}.steps[data-count="3"]{grid-template-columns:repeat(3,minmax(0,1fr))}.step{padding:18px 28px 0;border-left:1px solid color-mix(in srgb, #081f38 69%, #f0f0f0);position:relative}.step:first-child{padding-left:0;border-left:0}.step:last-child{padding-right:0}.step-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}.step .icon{width:67px;height:67px;background:#f0f0f0;border-radius:14px;padding:4px}.step-no{font-size:2.5rem;line-height:1;font-weight:350;color:color-mix(in srgb, #081f38 41%, #f0f0f0);letter-spacing:-.06em}.step h3{font-size:1.25rem;margin-bottom:15px;line-height:1.25}.step p{font-size:.94rem;line-height:1.8;color:color-mix(in srgb, #081f38 14%, 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.icon{width:58px;height:58px}.situations-head{display:flex;align-items:end;justify-content:space-between;gap:40px;margin-bottom:34px}.situations-head .section-head{margin-bottom:0;max-width:770px}.situation-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 40px}.situation{padding:26px 0;border-top:1px solid color-mix(in srgb, #081f38 15%, #f0f0f0);display:grid;grid-template-columns:40px 1fr;gap:15px;min-width:0}.situation-no{color:color-mix(in srgb, #081f38 50%, #f0f0f0);font-size:.84rem;font-weight:650;margin-top:2px}.situation h3{margin-bottom:11px}.situation p{font-size:.94rem;line-height:1.75;color:var(--muted);max-width:52ch}.situation .link-arrow{margin-top:16px;font-size:.86rem}.more-situations{border-bottom:1px solid var(--line);margin-top:5px}.more-situations>summary{list-style:none;padding:20px 0;font-weight:650;font-size:.96rem;display:flex;align-items:center;gap:12px;cursor:pointer}.more-situations>summary::-webkit-details-marker{display:none}.more-situations[open]>summary .ui-icon{transform:rotate(45deg)}.section-example{background:#f0f0f0}.example-layout{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.example-copy .section-head{margin-bottom:24px}.example-copy .section-body{font-size:1rem}.example-card{background:#f0f0f0;border-radius:14px;border:1px solid color-mix(in srgb, #081f38 15%, #f0f0f0);box-shadow:0 20px 35px rgb(8 31 56 / 0.027);overflow:hidden;position:relative}.example-card-top{padding:22px 28px;background:var(--navy);color:#f0f0f0;display:flex;align-items:center;justify-content:space-between;gap:15px}.example-card-top strong{font-size:1rem;font-weight:650}.example-badge{font-size:.67rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;background:color-mix(in srgb, #081f38 12%, #f0f0f0);color:var(--navy);border-radius:14px;padding:5px 8px}.example-card-main{padding:29px}.example-label{font-size:.8rem;color:var(--muted);margin-bottom:10px}.example-range{display:flex;align-items:baseline;flex-wrap:wrap;gap:5px 12px;font-size:clamp(1.65rem,2.25vw,2.15rem);font-weight:680;line-height:1.25;letter-spacing:-.04em;color:var(--navy);font-variant-numeric:tabular-nums}.example-range .range-divider{font-size:1.2rem;color:color-mix(in srgb, #081f38 53%, #f0f0f0);font-weight:450}.range-rail{height:6px;background:var(--gold);border-radius:14px;margin-top:19px;position:relative}.range-rail:before,.range-rail:after{content:"";position:absolute;top:-3px;width:12px;height:12px;background:var(--navy);border:2px solid #f0f0f0;border-radius:50%}.range-rail:before{left:0}.range-rail:after{right:0}.example-context{font-size:.73rem;color:color-mix(in srgb, #081f38 63%, #f0f0f0);margin-top:13px}.example-facts{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:26px 0 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#f0f0f0);font-size:.76rem;margin:17px 0 0}.site-footer{background:#f0f0f0;padding:58px 0 25px}.footer-grid{display:grid;grid-template-columns:1.1fr .95fr 1.15fr;gap:70px}.footer-brand{max-width:310px;margin-bottom:22px}.footer-col h2{font-size:.93rem;font-weight:750;letter-spacing:0;line-height:1.5;margin-bottom:17px}.footer-col p{font-size:.85rem;color:var(--muted);line-height:1.85}.footer-links{list-style:none;padding:0;display:flex;flex-direction:column;gap:9px;font-size:.87rem}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-contact{margin-top:16px;display:flex;flex-direction:column;gap:8px}.footer-contact a{font-size:.9rem;font-weight:650;text-decoration:none;overflow-wrap:anywhere}.footer-meta{display:flex;justify-content:space-between;align-items:flex-start;gap:25px;flex-wrap:wrap;padding-top:27px;margin-top:44px;border-top:1px solid var(--line);font-size:.72rem;color:var(--muted)}.footer-legal{display:flex;gap:20px;flex-wrap:wrap}.image-note{margin-top:15px;color:color-mix(in srgb, #081f38 62%, #f0f0f0);font-size:.68rem;line-height:1.65;max-width:110ch}.mobile-cta{display:none}.anchor-alias{display:block;position:relative;top:-8px;visibility:hidden;height:0}.standalone-note{background:#f0f0f0;border-bottom:1px solid color-mix(in srgb, #081f38 15%, #f0f0f0);color:var(--navy);font-size:.74rem;padding:8px 20px;text-align:center;line-height:1.5}.standalone-note a{font-weight:650}.standalone-note+.site-frame .site-header{top:0}
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