/* ══ HERO — orientierend, offiziell, ruhig ══════════════════ */
    .ar-hero{background:linear-gradient(155deg,#071a18 0%,#0C3530 55%,#0b3832 100%);padding:clamp(5rem,11vw,8.5rem) 0 clamp(4rem,8vw,7rem);position:relative;overflow:hidden}
    .ar-hero::before{content:'';position:absolute;bottom:0;left:0;width:100%;height:60%;background:radial-gradient(ellipse 80% 60% at 20% 100%,rgba(0,200,168,.06) 0%,transparent 70%);pointer-events:none}
    .ar-hero__inner{display:grid;grid-template-columns:1.35fr 1fr;gap:clamp(3rem,6vw,5.5rem);align-items:center}
    .ar-hero__badge{display:inline-flex;align-items:center;gap:.5rem;background:rgba(0,200,168,.12);border:1px solid rgba(0,200,168,.25);color:var(--color-accent);font-size:var(--fs-xs);font-weight:700;text-transform:uppercase;letter-spacing:.12em;padding:.4rem 1rem;border-radius:var(--radius-pill);margin-bottom:var(--space-md)}
    .ar-hero__badge svg{width:13px;height:13px}
    .ar-hero__h1{font-size:clamp(1.85rem,3.8vw,2.75rem);color:var(--color-white);line-height:1.18;margin-bottom:var(--space-md)}
    .ar-hero__h1 em{color:var(--color-accent);font-style:normal}
    .ar-hero__sub{color:rgba(255,255,255,.72);line-height:1.8;font-size:clamp(.95rem,1.8vw,1.08rem);margin-bottom:var(--space-xl)}
    .ar-hero__actions{display:flex;flex-wrap:wrap;gap:var(--space-sm);align-items:center}
    .ar-hero__trust{display:flex;flex-wrap:wrap;gap:.75rem 1.5rem;margin-top:var(--space-lg)}
    .ar-hero__trust-item{display:flex;align-items:center;gap:.45rem;color:rgba(255,255,255,.5);font-size:var(--fs-xs)}
    .ar-hero__trust-item svg{width:13px;height:13px;color:var(--color-accent);flex-shrink:0}

    /* Behörden-Prüfungs-Panel rechts */
    .behoerden-panel{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:calc(var(--radius-lg) + 4px);overflow:hidden}
    .behoerden-panel__header{background:rgba(0,0,0,.25);border-bottom:1px solid rgba(255,255,255,.1);padding:1rem 1.25rem;display:flex;align-items:center;gap:.75rem}
    .behoerden-panel__stamp{width:36px;height:36px;border-radius:var(--radius-md);background:rgba(0,200,168,.15);border:1px solid rgba(0,200,168,.25);display:flex;align-items:center;justify-content:center;color:var(--color-accent);flex-shrink:0}
    .behoerden-panel__stamp svg{width:17px;height:17px}
    .behoerden-panel__header-label{color:rgba(255,255,255,.4);font-size:var(--fs-xs);font-weight:700;text-transform:uppercase;letter-spacing:.1em;line-height:1.2}
    .behoerden-panel__header-title{color:rgba(255,255,255,.8);font-size:var(--fs-xs);font-weight:600;margin-top:.1rem}
    .behoerden-panel__body{padding:1.1rem 1.25rem}
    .behoerden-row{display:flex;align-items:flex-start;gap:.875rem;padding-block:.75rem;border-bottom:1px solid rgba(255,255,255,.07)}
    .behoerden-row:last-child{border-bottom:none}
    .behoerden-row__check{width:22px;height:22px;border-radius:4px;border:1.5px solid rgba(0,200,168,.4);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:.15rem}
    .behoerden-row__check svg{width:12px;height:12px;color:var(--color-accent)}
    .behoerden-row__label{color:rgba(255,255,255,.45);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.15rem}
    .behoerden-row__text{color:rgba(255,255,255,.75);font-size:var(--fs-sm);font-weight:600;line-height:1.3}
    .behoerden-panel__footer{background:rgba(0,200,168,.06);border-top:1px solid rgba(0,200,168,.15);padding:.875rem 1.25rem;display:flex;align-items:flex-start;gap:.625rem}
    .behoerden-panel__footer svg{width:14px;height:14px;color:var(--color-accent);flex-shrink:0;margin-top:.15rem}
    .behoerden-panel__footer-text{font-size:var(--fs-xs);color:rgba(255,255,255,.5);line-height:1.5}

    /* ══ STATUS-BAND — für wen ist diese Seite ═════════════════ */
    .status-band{background:var(--color-white);padding-block:clamp(3.5rem,7vw,5.5rem);border-bottom:1px solid var(--color-border)}
    .status-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-md);margin-top:clamp(2rem,4vw,3rem)}
    .status-card{background:var(--color-off-white);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:clamp(1.4rem,2.5vw,2rem);display:flex;flex-direction:column;gap:.875rem;position:relative;overflow:hidden;transition:border-color .25s ease,box-shadow .25s ease}
    .status-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--color-accent),rgba(0,200,168,.25))}
    .status-card:hover{border-color:rgba(0,200,168,.3);box-shadow:var(--shadow-sm)}
    .status-card__para{display:inline-flex;align-items:center;gap:.4rem;background:linear-gradient(135deg,var(--color-primary),#0e4a3f);color:var(--color-accent);font-size:var(--fs-xs);font-weight:700;padding:.3rem .75rem;border-radius:var(--radius-pill);width:fit-content;letter-spacing:.04em}
    .status-card__para svg{width:12px;height:12px}
    .status-card__title{font-size:clamp(1rem,1.8vw,1.15rem);color:var(--color-primary);font-weight:700;line-height:1.3}
    .status-card__text{font-size:var(--fs-sm);color:var(--color-text-muted);line-height:1.75;flex:1}
    .status-card__who{display:flex;align-items:flex-start;gap:.5rem;margin-top:.25rem;padding:.625rem .875rem;background:rgba(0,200,168,.06);border:1px solid rgba(0,200,168,.15);border-radius:var(--radius-md)}
    .status-card__who svg{width:13px;height:13px;color:var(--color-accent);flex-shrink:0;margin-top:.25rem}
    .status-card__who-text{font-size:var(--fs-xs);color:var(--color-primary);font-weight:600;line-height:1.5}

    /* ══ WAS PRÜFT DIE BEHÖRDE — dunkel, sachlich ═══════════════ */
    .behoerden-section{background:linear-gradient(135deg,#071a18 0%,#0C3530 100%);padding-block:clamp(4rem,8vw,6.5rem)}
    .behoerden-inner{display:grid;grid-template-columns:1fr 1fr;gap:clamp(3rem,6vw,6rem);align-items:start;margin-top:clamp(2rem,4vw,3.5rem)}
    .behoerden-intro{color:rgba(255,255,255,.65);font-size:var(--fs-sm);line-height:1.8;margin-bottom:var(--space-lg)}
    .behoerden-intro strong{color:var(--color-white)}
    .criteria-list{display:flex;flex-direction:column;gap:.875rem}
    .criteria-item{display:flex;align-items:flex-start;gap:1rem;padding:clamp(1rem,2vw,1.4rem);background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius-lg)}
    .criteria-item__icon{width:42px;height:42px;border-radius:var(--radius-md);background:rgba(0,200,168,.12);border:1px solid rgba(0,200,168,.18);display:flex;align-items:center;justify-content:center;color:var(--color-accent);flex-shrink:0}
    .criteria-item__icon svg{width:19px;height:19px}
    .criteria-item__title{color:var(--color-white);font-size:var(--fs-sm);font-weight:700;margin-bottom:.25rem}
    .criteria-item__text{color:rgba(255,255,255,.55);font-size:var(--fs-sm);line-height:1.65}

    /* Vergleich Bank vs. Behörde */
    .compare-box{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-lg);overflow:hidden}
    .compare-box__header{background:rgba(255,255,255,.06);padding:1rem 1.4rem;border-bottom:1px solid rgba(255,255,255,.08)}
    .compare-box__title{color:var(--color-white);font-size:var(--fs-sm);font-weight:700}
    .compare-box__sub{color:rgba(255,255,255,.45);font-size:var(--fs-xs);margin-top:.2rem}
    .compare-split{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.06)}
    .compare-col{padding:1.1rem 1.2rem;background:#0C3530}
    .compare-col:first-child{background:rgba(255,255,255,.03)}
    .compare-col__head{font-size:var(--fs-xs);font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.875rem;padding-bottom:.625rem;border-bottom:1px solid rgba(255,255,255,.08)}
    .compare-col:first-child .compare-col__head{color:rgba(255,255,255,.4)}
    .compare-col:last-child .compare-col__head{color:var(--color-accent)}
    .compare-row{display:flex;align-items:flex-start;gap:.5rem;margin-bottom:.625rem;font-size:var(--fs-sm);line-height:1.5}
    .compare-row:last-child{margin-bottom:0}
    .compare-col:first-child .compare-row{color:rgba(255,255,255,.5)}
    .compare-col:last-child .compare-row{color:rgba(255,255,255,.8);font-weight:500}
    .compare-row svg{width:13px;height:13px;flex-shrink:0;margin-top:.2rem}
    .compare-col:first-child .compare-row svg{color:rgba(255,255,255,.3)}
    .compare-col:last-child .compare-row svg{color:var(--color-accent)}

    /* ══ WAS ENTHÄLT DER PLAN — spezifisch ═════════════════════ */
    .contents-section{padding-block:clamp(4rem,8vw,6.5rem);background:var(--color-off-white)}
    .contents-inner{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2.5rem,5vw,5rem);align-items:start;margin-top:clamp(2rem,4vw,3rem)}
    .contents-text{color:var(--color-text-muted);font-size:var(--fs-sm);line-height:1.8}
    .contents-text strong{color:var(--color-primary)}
    .contents-grid{display:flex;flex-direction:column;gap:.75rem}
    .content-item{display:flex;align-items:flex-start;gap:.875rem;padding:clamp(1rem,2vw,1.35rem);background:var(--color-white);border:1px solid var(--color-border);border-radius:var(--radius-lg);transition:border-color .2s ease,box-shadow .2s ease}
    .content-item:hover{border-color:rgba(0,200,168,.25);box-shadow:var(--shadow-sm)}
    .content-item__num{width:32px;height:32px;border-radius:50%;background:linear-gradient(135deg,var(--color-primary),#0e4a3f);color:var(--color-accent);font-size:.8rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-family:var(--font-heading)}
    .content-item__title{font-size:var(--fs-sm);color:var(--color-primary);font-weight:700;margin-bottom:.2rem;line-height:1.3}
    .content-item__sub{font-size:var(--fs-sm);color:var(--color-text-muted);line-height:1.6}

    /* ══ RECHTLICHER HINWEIS — auffällig, klar ══════════════════ */
    .legal-notice{padding-block:clamp(3rem,6vw,4.5rem);background:var(--color-white)}
    .legal-notice__box{max-width:820px;margin-inline:auto;background:#fffbeb;border:1px solid #f59e0b;border-left:4px solid #f59e0b;border-radius:var(--radius-lg);padding:clamp(1.5rem,3vw,2.25rem);display:flex;align-items:flex-start;gap:1.125rem}
    .legal-notice__icon{width:44px;height:44px;border-radius:50%;background:#fef3c7;display:flex;align-items:center;justify-content:center;color:#d97706;flex-shrink:0}
    .legal-notice__icon svg{width:22px;height:22px}
    .legal-notice__title{font-size:clamp(1rem,1.8vw,1.1rem);font-weight:700;color:#92400e;margin-bottom:.5rem}
    .legal-notice__text{font-size:var(--fs-sm);color:#78350f;line-height:1.75}

    /* ══ PROZESS — 4 Schritte ════════════════════════════════════ */
    .process-section{padding-block:clamp(4rem,8vw,6.5rem);background:linear-gradient(180deg,#f4faf9 0%,var(--color-off-white) 100%)}
    .process-steps{display:flex;flex-direction:column;gap:0;margin-top:clamp(2rem,4vw,3.5rem);max-width:800px;margin-inline:auto}
    /* ══ FAQ ════════════════════════════════════════════════════ */
    .faq-section{padding-block:clamp(4rem,8vw,6rem);background:var(--color-white)}
    .faq-list{display:flex;flex-direction:column;gap:.75rem;max-width:760px;margin:clamp(2rem,4vw,3rem) auto 0}
    .faq-item{border:1px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden;background:var(--color-off-white)}
    .faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:clamp(1rem,2.5vw,1.4rem) clamp(1rem,2.5vw,1.5rem);font-weight:600;color:var(--color-primary);cursor:pointer;list-style:none;font-size:var(--fs-sm)}
    .faq-item summary::-webkit-details-marker{display:none}
    .faq-item summary svg{width:18px;height:18px;flex-shrink:0;transition:transform .25s ease;color:var(--color-accent)}
    .faq-item[open] summary svg{transform:rotate(45deg)}
    .faq-item[open] summary{background:var(--color-accent-light)}
    .faq-item__body{padding:clamp(1rem,2.5vw,1.25rem) clamp(1rem,2.5vw,1.5rem);color:var(--color-text-muted);line-height:1.75;font-size:var(--fs-sm);border-top:1px solid var(--color-border);background:var(--color-white)}

    /* ══ VANESSA TRUST — mit Foto ═══════════════════════════ */
    .vanessa-trust-section{padding-block:clamp(4rem,8vw,6rem);background:var(--color-off-white)}
    .vanessa-trust__inner{display:grid;grid-template-columns:280px 1fr;gap:clamp(3rem,6vw,5rem);align-items:start}
    .vanessa-trust__photo-wrap{position:relative;border-radius:var(--radius-lg);overflow:hidden;aspect-ratio:3/4;box-shadow:0 24px 48px rgba(12,53,48,.14);flex-shrink:0}
    .vanessa-trust__photo-wrap img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
    .vanessa-trust__photo-wrap::after{content:'';position:absolute;inset:0;border-radius:var(--radius-lg);box-shadow:inset 0 0 0 1px rgba(12,53,48,.1);pointer-events:none}
    .vanessa-trust__quote{font-family:var(--font-heading);font-style:italic;font-size:clamp(1.15rem,2.2vw,1.5rem);color:var(--color-primary);line-height:1.55;border-left:3px solid var(--color-accent);padding-left:var(--space-lg);margin-bottom:var(--space-sm)}
    .vanessa-trust__sig{color:var(--color-text-muted);font-size:var(--fs-sm);padding-left:calc(var(--space-lg) + 3px);margin-bottom:var(--space-xl);font-style:normal}
    .vanessa-trust__creds{display:flex;flex-direction:column;gap:.75rem;margin-bottom:var(--space-xl)}
    .vanessa-trust__cred-item{display:flex;align-items:flex-start;gap:.875rem;font-size:var(--fs-sm);color:var(--color-text);line-height:1.5}
    .vanessa-trust__cred-icon{width:28px;height:28px;border-radius:50%;background:var(--color-accent-light);border:1px solid rgba(0,200,168,.2);display:flex;align-items:center;justify-content:center;color:var(--color-accent);flex-shrink:0}
    .vanessa-trust__cred-icon svg{width:12px;height:12px}
    .vanessa-trust__cred-text strong{color:var(--color-primary)}

    /* ══ CROSS-LINKS ════════════════════════════════════════ */
    .related-section{padding-block:clamp(3rem,6vw,4.5rem);background:var(--color-white)}
    .related-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-md);margin-top:clamp(1.5rem,3vw,2rem)}
    .related-card{background:var(--color-off-white);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:clamp(1.25rem,2.5vw,1.75rem);display:flex;align-items:flex-start;gap:1.25rem;text-decoration:none;transition:border-color .2s,box-shadow .2s,transform .2s}
    .related-card:hover{border-color:rgba(0,200,168,.3);box-shadow:var(--shadow-sm);transform:translateY(-3px)}
    .related-card__icon{width:44px;height:44px;border-radius:var(--radius-md);background:linear-gradient(135deg,var(--color-primary),#0e4a3f);display:flex;align-items:center;justify-content:center;color:var(--color-accent);flex-shrink:0}
    .related-card__icon svg{width:20px;height:20px}
    .related-card__label{font-size:var(--fs-xs);font-weight:700;color:var(--color-accent);text-transform:uppercase;letter-spacing:.08em;margin-bottom:.3rem}
    .related-card__title{font-size:var(--fs-md);color:var(--color-primary);font-weight:700;margin-bottom:.4rem;line-height:1.3}
    .related-card__desc{font-size:var(--fs-sm);color:var(--color-text-muted);line-height:1.65}

    /* ══ CTA-BANNER ═════════════════════════════════════════════ */
    .cta-section{padding-block:clamp(4rem,8vw,6rem);background:linear-gradient(155deg,#071a18 0%,#0C3530 100%);position:relative;overflow:hidden;color:var(--color-white)}
    .cta-section::before{content:'';position:absolute;top:0;right:0;width:50%;height:100%;background:radial-gradient(ellipse 70% 80% at 80% 50%,rgba(0,200,168,.07) 0%,transparent 70%);pointer-events:none}
    .cta-inner{display:grid;grid-template-columns:1fr auto;gap:clamp(2rem,5vw,5rem);align-items:center;position:relative}
    .cta-eyebrow{color:var(--color-accent);font-size:var(--fs-xs);font-weight:700;text-transform:uppercase;letter-spacing:.12em;margin-bottom:.75rem}
    .cta-headline{font-size:clamp(1.5rem,3vw,2rem);color:var(--color-white);line-height:1.25;font-family:var(--font-heading)}
    .cta-sub{color:rgba(255,255,255,.7);margin-top:.875rem;font-size:var(--fs-sm);line-height:1.7;max-width:500px}
    .cta-actions{display:flex;flex-direction:column;gap:var(--space-sm);align-items:center;flex-shrink:0}

    /* ══ STICKY-CTA (Mobil) ══════════════════════════════════ */
    .sl-sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;gap:.6rem;padding:.7rem 1rem calc(.7rem + env(safe-area-inset-bottom));background:rgba(4,22,19,.94);backdrop-filter:blur(10px);border-top:1px solid rgba(0,200,168,.28);box-shadow:0 -6px 24px rgba(0,0,0,.28)}
    .sl-sticky-cta .btn{flex:1;justify-content:center;min-height:48px}
    @media(max-width:768px){.sl-sticky-cta{display:flex}body{padding-bottom:72px}}

    /* ══ RESPONSIVE ════════════════════════════════════════════ */
    @media(max-width:1024px){
      .ar-hero__inner{grid-template-columns:1fr}.behoerden-panel{display:none}
      .behoerden-inner{grid-template-columns:1fr}
      .contents-inner{grid-template-columns:1fr}
      .cta-inner{grid-template-columns:1fr}.cta-actions{align-items:flex-start}
      .vanessa-trust__inner{grid-template-columns:1fr}
      .vanessa-trust__photo-wrap{max-width:260px;aspect-ratio:1/1}
      .related-cards{grid-template-columns:1fr}
    }
    @media(max-width:768px){
      .status-cards{grid-template-columns:1fr}
      .compare-split{grid-template-columns:1fr}
    }
    @media(max-width:540px){
      .legal-notice__box{flex-direction:column;gap:.75rem}
    }

    /* ══ TRUST RATING ══ */
    .sl-hero__stars{color:#ffc247;letter-spacing:1px;font-size:.95em}