/* ====== AUTOVERGLEICH - KFZ Versicherung Vergleich ====== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:#1a1a1a;background:#fff;line-height:1.7;font-size:17px}
a{color:#0056b3;text-decoration:none;transition:color .15s}
a:hover{color:#003d80;text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.container{width:100%;max-width:1200px;margin:0 auto;padding:0 24px}
@media(max-width:640px){.container{padding:0 16px}body{font-size:15px}}

/* ====== TOPBAR ====== */
.topbar{background:#e2001a;color:#fff;padding:10px 0;font-size:13px;font-weight:600}
.topbar .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
@media(max-width:640px){.topbar{text-align:center;font-size:12px}}

/* ====== HEADER ====== */
.header{background:#fff;position:sticky;top:0;z-index:1000;box-shadow:0 2px 8px rgba(0,0,0,.08)}
.header .container{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{font-size:26px;font-weight:900;color:#1a1a1a;letter-spacing:-.02em;text-decoration:none}
.logo span{color:#e2001a}.logo:hover{text-decoration:none}
.nav{display:flex;align-items:center;gap:24px}@media(max-width:1024px){.nav{display:none}}
.nav a{color:#1a1a1a;font-weight:600;font-size:14px;transition:color .2s;text-decoration:none;white-space:nowrap}
.nav a:hover{color:#e2001a;text-decoration:none}
.nav .cta-btn{background:#e2001a;color:#fff;padding:10px 18px;border-radius:4px;font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.02em;text-decoration:none}
.nav .cta-btn:hover{background:#c00016;color:#fff}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:none;border:none}
@media(max-width:1024px){.hamburger{display:flex}}.hamburger span{width:24px;height:2.5px;background:#1a1a1a;transition:.25s}

/* ====== MOBILE NAV ====== */
.mobile-nav{display:none;position:fixed;top:0;left:0;width:100%;height:100%;background:#1a1a1a;z-index:2000;padding:80px 24px;flex-direction:column;gap:16px;overflow-y:auto}
.mobile-nav a{color:#fff;text-decoration:none;font-size:18px;font-weight:600;padding:10px 0;border-bottom:1px solid #333}
.mobile-nav .m-cta{background:#e2001a;color:#fff;padding:16px;text-align:center;border-radius:4px;font-weight:700;text-transform:uppercase;margin-top:16px;text-decoration:none;border:none}
.mobile-close{position:absolute;top:20px;right:20px;background:none;border:none;color:#fff;font-size:32px;cursor:pointer}

/* ====== BREADCRUMB ====== */
.breadcrumb{padding:14px 0;font-size:13px;color:#595959;background:#f8f8f8;border-bottom:1px solid #e8e8e8}
.breadcrumb a{color:#595959;text-decoration:none;font-weight:500}
.breadcrumb a:hover{color:#e2001a;text-decoration:none}

/* ====== HERO ====== */
.hero{padding:56px 0 48px;background:linear-gradient(135deg,#f5f5f5 0%,#e8e8e8 100%)}
.hero h1{font-size:46px;font-weight:900;line-height:1.05;letter-spacing:-.025em;margin-bottom:16px;color:#1a1a1a;word-wrap:break-word;overflow-wrap:break-word;hyphens:auto}
@media(max-width:768px){.hero h1{font-size:28px;line-height:1.1}}@media(max-width:480px){.hero h1{font-size:24px}}
.hero-lead{font-size:20px;font-weight:500;color:#2d2d2d;margin-bottom:24px;line-height:1.55;max-width:850px;word-wrap:break-word;overflow-wrap:break-word}
@media(max-width:640px){.hero-lead{font-size:16px}}
.hero-cta{background:#e2001a;color:#fff;padding:18px 44px;border-radius:4px;font-weight:800;font-size:18px;text-transform:uppercase;letter-spacing:.02em;border:none;cursor:pointer;display:inline-block;box-shadow:0 6px 20px rgba(226,0,26,.35);transition:all .2s ease;margin-bottom:16px}
.hero-cta:hover{background:#c00016;transform:translateY(-2px);box-shadow:0 8px 28px rgba(226,0,26,.45);text-decoration:none;color:#fff}
@media(max-width:480px){.hero-cta{padding:16px 28px;font-size:15px;width:100%;text-align:center}}
.trust-row{display:flex;gap:24px;flex-wrap:wrap;margin-top:8px}
@media(max-width:640px){.trust-row{gap:14px}}.trust-item{display:flex;align-items:center;gap:6px;font-size:14px;color:#333}

/* ====== SECTIONS ====== */
.section{padding:72px 0}@media(max-width:640px){.section{padding:48px 0}}
.section-grey{background:#f0f0f0}.section-light{background:#fafafa}
.section-title{font-size:34px;font-weight:800;line-height:1.1;letter-spacing:-.015em;margin-bottom:16px;color:#1a1a1a}
@media(max-width:640px){.section-title{font-size:24px}}.section-subtitle{color:#333;margin-bottom:40px;font-size:18px;line-height:1.5}

/* ====== CONTENT ====== */
.content h2{font-size:28px;font-weight:800;margin:48px 0 16px;color:#1a1a1a;line-height:1.15;letter-spacing:-.01em}
@media(max-width:640px){.content h2{font-size:22px;margin-top:32px}}.content h3{font-size:22px;font-weight:700;margin:32px 0 12px;color:#1a1a1a;line-height:1.2}
@media(max-width:640px){.content h3{font-size:18px}}.content p{margin-bottom:18px;color:#2d2d2d;line-height:1.8;font-size:17px}
@media(max-width:640px){.content p{font-size:15px}}.content ul,.content ol{margin:0 0 24px 28px;color:#2d2d2d;line-height:1.8}
.content li{margin-bottom:10px;font-size:17px}@media(max-width:640px){.content li{font-size:15px}}.content strong{color:#1a1a1a;font-weight:700}

/* ====== INFO CARD ====== */
.info-card{background:#f8f8f8;border-left:4px solid #e2001a;padding:24px 28px;border-radius:0 6px 6px 0;margin:28px 0;font-size:16px;line-height:1.7;color:#333}
.info-card a{font-weight:600}.info-card strong{color:#1a1a1a}

/* ====== TABLES ====== */
.table-responsive{overflow-x:auto;margin:28px 0;border-radius:6px;border:1px solid #e0e0e0}
.table-responsive table{width:100%;border-collapse:collapse;min-width:600px}
.table-responsive th{background:#1a1a1a;color:#fff;padding:16px;text-align:left;font-weight:700;font-size:15px;white-space:nowrap}
.table-responsive td{padding:14px 16px;border-bottom:1px solid #e0e0e0;font-size:15px;color:#333}
.table-responsive tr:nth-child(even){background:#f8f8f8}.table-responsive tr:hover{background:#f0f0f0}
.table-responsive tr:last-child td{border-bottom:none}
.savings{color:#28a745;font-weight:800}.price{font-weight:700;color:#1a1a1a}

/* ====== EXPERT CARD ====== */
.expert-card{background:#fff;border:1px solid #e0e0e0;border-radius:6px;padding:32px;display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:start;box-shadow:0 2px 12px rgba(0,0,0,.06)}
@media(max-width:640px){.expert-card{grid-template-columns:1fr;text-align:center;padding:24px}}
.expert-photo-small{width:110px;height:110px;border-radius:50%;border:4px solid #e2001a;object-fit:cover}
@media(max-width:640px){.expert-photo-small{margin:0 auto}}.expert-content .badge{display:inline-block;background:#e2001a;color:#fff;padding:5px 14px;border-radius:3px;font-weight:700;font-size:11px;text-transform:uppercase;margin-bottom:10px;letter-spacing:.04em}
.expert-content h3{font-size:22px;font-weight:800;margin-bottom:10px;color:#1a1a1a;margin-top:0}
.expert-content .quote{font-style:italic;color:#2d2d2d;margin-bottom:12px;font-weight:600;line-height:1.6;font-size:17px;border-left:3px solid #e2001a;padding-left:16px}
.expert-content .creds{color:#333;font-size:14px;margin-top:8px}

/* ====== FAQ ====== */
.faq-section{max-width:900px}.faq-item{border:1px solid #e0e0e0;border-radius:6px;margin-bottom:14px;overflow:hidden;background:#fff;transition:box-shadow .2s}
.faq-item:hover{box-shadow:0 2px 12px rgba(0,0,0,.06)}.faq-question{width:100%;padding:20px 24px;background:none;border:none;text-align:left;font-size:17px;font-weight:700;cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:background .15s;color:#1a1a1a}
.faq-question:hover{background:#f8f8f8}.faq-question::after{content:'+';font-size:24px;color:#e2001a;font-weight:400;transition:transform .2s;flex-shrink:0;margin-left:12px}
.faq-item.open .faq-question::after{transform:rotate(45deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease;padding:0 24px}
.faq-item.open .faq-answer{max-height:800px;padding:0 24px 20px}.faq-answer p,.faq-answer ul{color:#333;font-size:15px;line-height:1.7;margin-bottom:14px}

/* ====== TOPIC CARDS ====== */
.topics-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:32px}
@media(max-width:1024px){.topics-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:640px){.topics-grid{grid-template-columns:1fr}}
.topic-card{background:#fff;border:1px solid #e0e0e0;border-radius:6px;overflow:hidden;transition:all .25s ease}
.topic-card:hover{box-shadow:0 8px 24px rgba(0,0,0,.12);transform:translateY(-3px)}.topic-img{aspect-ratio:16/9;overflow:hidden}
.topic-img img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.topic-card:hover .topic-img img{transform:scale(1.05)}.topic-body{padding:22px}
.topic-body h4{font-size:17px;font-weight:700;margin-bottom:10px;line-height:1.35;color:#1a1a1a}
.topic-body p{color:#333;font-size:14px;line-height:1.55;margin-bottom:14px}
.topic-body a{font-weight:700;color:#e2001a;font-size:14px;text-decoration:none}
.topic-body a:hover{color:#c00016;text-decoration:none}

/* ====== CTA BANNER ====== */
.cta-banner{background:linear-gradient(135deg,#e2001a 0%,#c00016 100%);color:#fff;padding:72px 0;text-align:center}
.cta-banner h2{font-size:36px;font-weight:900;margin-bottom:14px;color:#fff}
@media(max-width:640px){.cta-banner h2{font-size:26px}}.cta-banner p{font-size:19px;margin-bottom:32px;max-width:700px;margin-left:auto;margin-right:auto;line-height:1.5;color:#fff}
.cta-banner .btn-white{background:#fff;color:#e2001a;padding:18px 44px;border-radius:4px;font-weight:800;font-size:18px;text-transform:uppercase;letter-spacing:.02em;border:none;cursor:pointer;display:inline-block;transition:all .2s ease;text-decoration:none;box-shadow:0 4px 16px rgba(0,0,0,.2)}
.cta-banner .btn-white:hover{background:#f0f0f0;transform:translateY(-2px);text-decoration:none}
@media(max-width:480px){.cta-banner .btn-white{padding:16px 28px;font-size:15px;width:100%;text-align:center}}

/* ====== TOOL SECTION ====== */
.tool-container{display:none;margin-top:32px;border:2px solid #e0e0e0;border-radius:8px;overflow:hidden;min-height:650px;background:#f8f8f8;position:relative}
.tool-container.loaded{display:block}.tool-skeleton{position:absolute;inset:0;background:linear-gradient(90deg,#f0f0f0 25%,#e0e0e0 50%,#f0f0f0 75%);background-size:200% 100%;animation:skeleton 1.5s infinite}@keyframes skeleton{0%{background-position:200% 0}100%{background-position:-200% 0}}
.tool-placeholder{padding:60px 20px;text-align:center}.tool-placeholder h3{font-size:22px;margin-bottom:12px;color:#1a1a1a}
.tool-placeholder p{color:#333;font-size:16px;margin-bottom:24px}

/* ====== TRUST SECTION ====== */
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;text-align:center}
@media(max-width:640px){.trust-grid{grid-template-columns:1fr;gap:24px}}.trust-card svg{width:44px;height:44px;color:#e2001a;margin:0 auto 14px}
.trust-card h3{font-size:20px;font-weight:700;margin-bottom:10px;color:#1a1a1a}
.trust-card p{color:#333;font-size:15px;line-height:1.55}
.affiliate-note{text-align:center;margin-top:48px;padding-top:28px;border-top:1px solid #e0e0e0;color:#555;font-size:13px;line-height:1.6;max-width:850px;margin-left:auto;margin-right:auto}

/* ====== STEPS ====== */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
@media(max-width:768px){.steps-grid{grid-template-columns:1fr;gap:32px}}
.step{text-align:center;padding:24px}.step-num{font-size:56px;font-weight:900;color:#e2001a;line-height:1;margin-bottom:16px}
.step h3{font-size:22px;font-weight:700;margin-bottom:14px;color:#1a1a1a;margin-top:0}
.step p{color:#333;font-size:16px;line-height:1.6}

/* ====== STATS BAR ====== */
.stats-bar{background:linear-gradient(135deg,#e2001a 0%,#c00016 100%);color:#fff;padding:56px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
@media(max-width:640px){.stats-grid{grid-template-columns:repeat(2,1fr);gap:32px}}
.stat-num{font-size:48px;font-weight:900;display:block;line-height:1}
@media(max-width:640px){.stat-num{font-size:36px}}.stat-label{font-size:15px;margin-top:8px;display:block;color:#fff}

/* ====== INSURANCE CARDS ====== */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:768px){.ins-grid{grid-template-columns:1fr}}
.ins-card{background:#fff;border:2px solid #e8e8e8;border-radius:8px;padding:36px 28px;transition:all .25s ease;text-align:center}
.ins-card:hover{border-color:#e2001a;box-shadow:0 8px 28px rgba(0,0,0,.1);transform:translateY(-4px)}
.ins-icon{width:56px;height:56px;margin:0 auto 20px;color:#e2001a}.ins-card h3{font-size:22px;font-weight:700;margin-bottom:14px;color:#1a1a1a;margin-top:0}
.ins-card p{color:#333;margin-bottom:20px;font-size:15px;line-height:1.6}
.ins-card a{font-weight:700;color:#e2001a;font-size:15px;text-decoration:none}

/* ====== TWO COLUMN ====== */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media(max-width:768px){.two-col{grid-template-columns:1fr;gap:32px}}
.two-col-rev{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media(max-width:768px){.two-col-rev{grid-template-columns:1fr;gap:32px}}

/* ====== FOOTER ====== */
.footer{background:#1a1a1a;color:#fff;padding:64px 0 0}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px}
@media(max-width:768px){.footer-grid{grid-template-columns:repeat(2,1fr);gap:32px}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.footer-col h4{font-size:16px;font-weight:700;margin-bottom:16px;color:#fff}
.footer-col p{color:#999;font-size:14px;line-height:1.7;margin-bottom:12px}
.footer-col ul{list-style:none}.footer-col li{margin-bottom:10px}
.footer-col a{color:#999;font-size:14px;transition:color .2s;text-decoration:none}
.footer-col a:hover{color:#fff;text-decoration:none}
.footer-bottom{background:#222;padding:24px 0;margin-top:48px;text-align:center;color:#888;font-size:13px}
.footer-legal{display:flex;justify-content:center;gap:24px;margin-top:8px;flex-wrap:wrap}
.footer-legal a{color:#888;font-size:12px;text-decoration:none}
.footer-legal a:hover{color:#ccc}

/* ====== HIGHLIGHT ====== */
.highlight-box{background:linear-gradient(135deg,#fff9e6 0%,#fff3cd 100%);border:2px solid #ffc107;border-radius:8px;padding:28px 32px;margin:32px 0}
.highlight-box p{margin-bottom:0;font-size:16px;color:#333}
.check-list{list-style:none;margin-left:0!important}.check-list li{padding-left:32px;position:relative;margin-bottom:14px;font-size:16px}
.check-list li::before{content:'✓';position:absolute;left:0;color:#28a745;font-weight:900;font-size:18px}

/* ====== ARTICLE META ====== */
.article-meta{display:flex;gap:24px;flex-wrap:wrap;color:#555;font-size:14px;margin-bottom:24px}
.article-meta span{display:flex;align-items:center;gap:6px}