@font-face{font-family:"Poppins";src:url(/fonts/poppins-regular.woff) format("woff");font-weight:400;font-display:swap}
@font-face{font-family:"Poppins";src:url(/fonts/poppins-medium.woff) format("woff");font-weight:500 600;font-display:swap}
@font-face{font-family:"Poppins";src:url(/fonts/poppins-bold.woff) format("woff");font-weight:700 800;font-display:swap}
:root{--teal:#0F5C63;--teal-d:#0A454B;--teal-l:#E3F0EF;--ink:#16232B;--muted:#56646D;--bg:#FAF7F2;--sand:#F2ECE2;--card:#fff;--line:#E7E0D4;--accent:#E8A33D;--accent-l:#FCEFD9;--warn:#B42318;--r:18px;--sh:0 1px 2px rgba(16,24,40,.04),0 8px 24px rgba(16,24,40,.06);--sh2:0 2px 4px rgba(16,24,40,.05),0 18px 40px rgba(16,24,40,.12);--head:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
*{box-sizing:border-box;margin:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3,.logo,.btn,.kicker,.tag,.res-label,.big,nav a,summary,.field label{font-family:var(--head)}
a{color:var(--teal)}
img{max-width:100%}
main{overflow-x:clip}
.hero-home > div{min-width:0}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
/* header */
header.top{position:sticky;top:0;z-index:20;background:rgba(250,247,242,.86);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:21px;color:var(--teal);text-decoration:none;letter-spacing:-.4px}
.logo b{color:var(--accent);font-weight:700}
.logo svg{width:32px;height:32px;flex:none}
nav{display:flex;align-items:center;gap:6px}
nav a{padding:8px 12px;border-radius:10px;text-decoration:none;color:var(--ink);font-size:14.5px;font-weight:500}
nav a:hover{background:var(--sand);color:var(--teal)}
nav .lang{display:flex;gap:2px;margin-left:8px;padding:3px;background:var(--sand);border-radius:12px}
nav .lang a{padding:5px 10px;font-size:13px;font-weight:600;color:var(--muted)}
nav .lang a.on{background:#fff;color:var(--teal);box-shadow:0 1px 3px rgba(0,0,0,.08)}
/* hero */
.hero{padding:72px 0 48px;text-align:center}
.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.08;letter-spacing:-1.5px;color:var(--teal-d);max-width:860px;margin:0 auto;font-weight:700}
.hero p{font-size:19px;color:var(--muted);max-width:680px;margin:18px auto 0}
.hero-home{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;text-align:left;padding:64px 24px 56px}
.hero-home h1{margin:0;font-size:clamp(34px,5vw,56px)}
.hero-home h1 em{font-style:normal;color:var(--accent);background:linear-gradient(transparent 62%,var(--accent-l) 62%)}
.hero-home p{margin:20px 0 0;max-width:540px}
.hero-home .btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:28px;padding:0;list-style:none;font-size:14.5px;color:var(--muted)}
.trust li{display:flex;align-items:center;gap:7px}
.trust li:before{content:"";width:18px;height:18px;border-radius:50%;background:var(--teal-l) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%230F5C63' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}
.stack{position:relative;height:440px}
.stack img{position:absolute;width:74%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:16px;border:6px solid #fff;box-shadow:var(--sh2)}
.stack img:nth-of-type(1){top:0;right:0;transform:rotate(3deg);z-index:1}
.stack img:nth-of-type(2){top:150px;left:0;transform:rotate(-4deg);z-index:2;width:62%}
.stack img:nth-of-type(3){bottom:-10px;right:2%;transform:rotate(2deg);z-index:3;width:66%}
.stack.two img:nth-of-type(2){top:150px}
.blob{position:absolute;inset:8% 4% 4% 8%;background:radial-gradient(circle at 30% 30%,var(--accent-l),transparent 60%),radial-gradient(circle at 70% 70%,var(--teal-l),transparent 60%);border-radius:40px;z-index:0}
.kicker{display:inline-flex;align-items:center;gap:8px;background:var(--teal-l);color:var(--teal);font-size:12.5px;font-weight:600;letter-spacing:1.2px;padding:7px 14px;border-radius:30px;margin-bottom:20px;text-transform:uppercase}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:#fff;text-decoration:none;font-weight:600;padding:13px 22px;border-radius:12px;border:2px solid var(--teal);font-size:15.5px;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s;box-shadow:0 4px 14px rgba(15,92,99,.22)}
.btn:hover{background:var(--teal-d);border-color:var(--teal-d);transform:translateY(-1px)}
.btn.alt{background:#fff;color:var(--teal);box-shadow:none;border-color:#CFE0DE}
.btn.alt:hover{background:var(--teal-l)}
.btn.sm{padding:10px 16px;font-size:14.5px}
.btn .arr{transition:transform .15s}.btn:hover .arr{transform:translateX(3px)}
/* sections */
section{padding:56px 0}
section.wrap{padding-top:56px;padding-bottom:56px}
section.band{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:26px;flex-wrap:wrap}
.sec-head p{color:var(--muted);max-width:560px;margin-top:6px}
section h2{font-size:clamp(26px,3.5vw,36px);color:var(--teal-d);letter-spacing:-.8px;line-height:1.15;font-weight:700}
.sec-head h2{margin:0}
section > .wrap > h2,section.wrap > h2{margin-bottom:22px}
/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:22px}
.grid.g3{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh);display:flex;flex-direction:column}
.grid .card{transition:transform .2s,box-shadow .2s}
.grid .card:hover{transform:translateY(-3px);box-shadow:var(--sh2)}
.card h3{font-size:19px;line-height:1.3;margin:6px 0 8px;color:var(--ink);font-weight:600;letter-spacing:-.2px}
.card p{color:var(--muted);font-size:15px;line-height:1.6}
.card .tag{font-size:11.5px;font-weight:600;color:var(--teal);text-transform:uppercase;letter-spacing:1.1px}
.card .thumb{margin:-22px -22px 18px;background:var(--sand);border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0;overflow:hidden}
.card .thumb img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;transition:transform .35s}
.card:hover .thumb img{transform:scale(1.03)}
.card .row{display:flex;gap:8px;flex-wrap:wrap;margin-top:auto;padding-top:18px}
.card .row .btn{flex:1 1 auto}
.calc-card{position:relative;overflow:hidden}
.calc-card .ico{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:var(--teal-l);margin-bottom:14px}
.calc-card .ico svg{width:26px;height:26px}
.calc-card:nth-child(2) .ico{background:var(--accent-l)}
/* steps & features */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;position:relative}
.step:before{counter-increment:s;content:counter(s);font-family:var(--head);font-weight:700;font-size:15px;width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--teal);color:#fff;margin-bottom:14px}
.step h3{font-family:var(--head);font-size:18px;font-weight:600;margin-bottom:6px}
.step p{color:var(--muted);font-size:15px}
.feat{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.feat div{padding:4px 0}
.feat .fi{width:44px;height:44px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;margin-bottom:14px;box-shadow:var(--sh)}
.feat .fi svg{width:22px;height:22px}
.feat h3{font-family:var(--head);font-size:17px;font-weight:600;margin-bottom:6px}
.feat p{color:var(--muted);font-size:15px}
.note{font-size:13.5px;color:var(--muted);margin-top:22px}
/* shop banner */
.banner{background:linear-gradient(120deg,var(--teal-d),var(--teal));color:#fff;border-radius:24px;padding:40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;position:relative;overflow:hidden}
.banner:after{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;border-radius:50%;background:rgba(232,163,61,.18)}
.banner h2{color:#fff;margin:0}
.banner p{opacity:.88;margin-top:8px;max-width:560px}
.banner .btn{background:var(--accent);border-color:var(--accent);color:var(--ink);position:relative;z-index:1;box-shadow:none}
.banner .btn:hover{background:#F0B458;border-color:#F0B458}
/* calculators */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:start}
.field{margin-bottom:16px}
.field label{display:block;font-weight:500;font-size:14px;margin-bottom:6px;color:var(--ink)}
.field small{display:block;color:var(--muted);font-size:12.5px;margin-top:4px;line-height:1.45}
.field input,.field select{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:11px;font-size:16px;background:#FFFBEF;color:#1D4ED8;font-weight:600;font-family:inherit;transition:border-color .15s,box-shadow .15s}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(15,92,99,.12);background:#fff}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.two .field{display:flex;flex-direction:column}
.two .field label{min-height:2.9em;display:flex;align-items:flex-end}
.result{position:sticky;top:88px}
.result > .card{border:2px solid var(--teal);box-shadow:var(--sh2)}
.big{font-size:44px;font-weight:700;color:var(--teal);letter-spacing:-1.5px;line-height:1.1;margin-top:4px}
.big.neg{color:var(--warn)}
.res-label{font-size:12px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:1.1px}
table.res{width:100%;border-collapse:collapse;margin-top:18px;font-size:15px}
table.res td{padding:10px 2px;border-bottom:1px solid var(--line)}
table.res td:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}
table.res tr:last-child td{border-bottom:0}
table.res tr.total td{font-weight:700;color:var(--teal);border-top:2px solid var(--teal);background:var(--teal-l)}
table.res tr.total td:first-child{padding-left:10px;border-radius:8px 0 0 8px}
table.res tr.total td:last-child{padding-right:10px;border-radius:0 8px 8px 0}
.cta{background:linear-gradient(135deg,var(--teal-d),var(--teal));color:#fff;border-radius:var(--r);padding:26px;margin-top:18px;box-shadow:var(--sh2)}
.cta h3{font-family:var(--head);font-size:19px;font-weight:600;margin-bottom:6px}
.cta p{opacity:.9;font-size:15px;margin-bottom:16px}
.cta .btn{background:var(--accent);border-color:var(--accent);color:var(--ink);box-shadow:none}
.cta .btn:hover{background:#F0B458;border-color:#F0B458}
.updated{display:inline-block;font-size:13px;color:var(--muted);margin-top:14px;background:#fff;border:1px solid var(--line);padding:4px 12px;border-radius:20px}
/* faq & prose */
.faq{max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0;margin-bottom:10px;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--sh)}
.faq summary{font-weight:500;cursor:pointer;list-style:none;padding:17px 52px 17px 20px;position:relative;font-size:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--teal-l);color:var(--teal);display:grid;place-items:center;font-size:18px;font-weight:600;transition:transform .2s}
.faq details[open] summary:after{content:"−"}
.faq p{padding:0 20px 18px;color:var(--muted)}
.prose > *{max-width:780px}
.prose p,.prose li{color:#34424B;margin-bottom:12px}
.prose ul{padding-left:22px}
.explain{background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:14px;padding:22px 24px;color:#34424B;max-width:860px}
/* footer */
footer{background:var(--teal-d);color:#C9DCDA;margin-top:24px;padding:52px 0 26px;font-size:14.5px}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
footer .logo{color:#fff}
footer p{margin-top:12px;max-width:340px;line-height:1.6}
footer h4{font-family:var(--head);color:#fff;font-size:14px;font-weight:600;margin-bottom:12px;letter-spacing:.3px}
footer ul{list-style:none;padding:0}
footer li{margin-bottom:8px}
footer a{color:#C9DCDA;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
footer .base{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:13px;color:#9FBFBC}
/* responsive */
@media(max-width:920px){.hero-home{grid-template-columns:1fr;text-align:center;gap:28px;padding-top:44px}.hero-home p{margin-left:auto;margin-right:auto}.hero-home .btns,.trust{justify-content:center}.stack{height:340px;max-width:520px;width:100%;margin:0 auto}.feat{grid-template-columns:1fr 1fr}.calc{grid-template-columns:1fr}.result{position:static}footer .cols{grid-template-columns:1fr 1fr}footer .cols > div:first-child{grid-column:1/-1}}
@media(max-width:640px){section.wrap{padding-top:40px;padding-bottom:40px}body{font-size:16px}.wrap{padding:0 16px}.hero-home{padding:32px 16px 36px}.hero-home .btns .btn{padding:12px 14px;font-size:15px;white-space:nowrap}.stack{height:250px;max-width:360px}.stack img{width:78%}.stack img:nth-of-type(1){top:0;right:0}.stack img:nth-of-type(2){top:70px;left:0;width:70%}.stack img:nth-of-type(3){display:none}.stack.two img:nth-of-type(2){top:80px}.field select{font-size:15px}.hero{padding-top:36px;padding-bottom:24px}.hero p{font-size:17px}header nav > a:not(:last-of-type){display:none}header nav > a{padding:6px 6px;font-size:13.5px}.logo{font-size:18px;gap:8px}.logo svg{width:28px;height:28px}nav .lang a{padding:5px 8px}nav .lang{margin-left:0}.stack img{border-width:4px}.steps,.feat{grid-template-columns:1fr}.two{grid-template-columns:1fr;gap:0}.two .field label{min-height:0}section{padding:40px 0}.big{font-size:36px}.banner{padding:28px}.btn{width:100%}.hero-home .btns .btn{width:auto;flex:1}footer .cols{grid-template-columns:1fr}}
fieldset.group{border:0;padding:0;margin:0}
fieldset.group legend{font-family:var(--head);font-weight:600;font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--teal);margin-bottom:10px}
.res-note{font-size:13px;color:var(--muted);line-height:1.5;margin-top:10px}
table.res tr.sub td{font-family:var(--head);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:1px;color:var(--muted);padding-top:16px;border-bottom:0;text-align:left}
table.res small{display:block;font-size:12px;color:var(--muted);font-weight:400}
.err{background:#FEF3F2;border:1px solid #FECDCA;color:var(--warn);border-radius:10px;padding:10px 12px;font-size:14px;margin-top:4px}
.field input[aria-invalid=true]{border-color:var(--warn);background:#FEF3F2}
.explain ul.rules{margin:10px 0 14px;padding-left:20px}.explain ul.rules li{margin-bottom:8px}.explain p{margin-bottom:10px}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.paths{display:flex;flex-wrap:wrap;gap:8px 10px;align-items:center;margin-top:-18px;margin-bottom:8px}@media(max-width:640px){.paths{margin-top:0}.paths a{font-size:14px;padding:6px 12px}}
.paths span{font-family:var(--head);font-weight:600;font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:1px;margin-right:4px}
.paths a{background:#fff;border:1px solid var(--line);border-radius:30px;padding:7px 14px;font-size:14.5px;font-weight:500;text-decoration:none;color:var(--ink)}
.paths a:hover{border-color:var(--teal);color:var(--teal)}
ul.facts{list-style:none;padding:0;margin:0 0 10px;display:flex;flex-wrap:wrap;gap:6px}
ul.facts li{font-size:12px;font-weight:600;background:var(--sand);color:var(--ink);border-radius:6px;padding:3px 8px}
ul.facts li.lang-en,ul.facts li.lang-de,ul.facts li.lang-it{background:var(--teal-l);color:var(--teal)}
.etsynote{font-size:12.5px;color:var(--muted);margin-top:10px;text-align:center}
.card[id]{scroll-margin-top:90px}