/* FinanzCockpit Ratgeber – baut auf v3.css auf */
.art-w{width:min(100% - 40px,760px);margin-inline:auto}
.art-hero{background:radial-gradient(900px 500px at 90% -10%,rgba(242,139,116,.22),transparent 60%),radial-gradient(700px 500px at -10% 120%,rgba(108,197,185,.16),transparent 60%),linear-gradient(165deg,var(--teal-2),var(--teal-3));color:#fff;padding:clamp(48px,8vw,96px) 0 clamp(44px,6vw,72px)}
.art-hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.6rem);letter-spacing:-.04em;margin-bottom:.45em}
.art-hero h1 em{font-style:normal;background:linear-gradient(90deg,var(--coral-2),var(--coral));-webkit-background-clip:text;background-clip:text;color:transparent}
.h1-plus{display:inline-block;font-size:.55em;color:var(--mint);letter-spacing:-.02em;vertical-align:middle}
.art-meta,.art-sub{color:rgba(255,255,255,.72);margin:0}
.art-sub{font-size:1.15rem;max-width:36em}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;font-size:.88rem;color:rgba(255,255,255,.55);margin-bottom:22px}
.crumbs a{color:rgba(255,255,255,.8);text-decoration:none}.crumbs a:hover{text-decoration:underline}
.art-body{padding:clamp(40px,6vw,70px) 0 clamp(60px,8vw,100px);font-size:1.08rem;line-height:1.75}
.art-body h2{font-size:clamp(1.6rem,3.2vw,2.15rem);margin:2.1em 0 .6em;scroll-margin-top:96px}
.art-body h3{font-size:1.28rem;margin:1.8em 0 .5em}
.art-body p,.art-body li{color:var(--text)}
.art-body a{color:var(--coral-3);font-weight:600;text-underline-offset:3px}
.art-lead{font-size:1.22rem;line-height:1.65;color:var(--ink)!important}
.art-body code{background:#EEF3F2;border-radius:6px;padding:2px 6px;font-size:.92em}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 26px;margin:32px 0 10px;box-shadow:var(--sh-sm)}
.toc-h{font:800 .8rem/1 var(--font);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.toc ol{margin:0;padding-left:1.3em;columns:2;column-gap:32px}
.toc li{margin:4px 0;break-inside:avoid}
.toc a{color:var(--ink)!important;font-weight:600;text-decoration:none}.toc a:hover{color:var(--coral-3)!important}
.ticks{list-style:none;padding:0;margin:0 0 1.2em}
.ticks li{position:relative;padding-left:36px;margin:12px 0}
.ticks li::before{content:"";position:absolute;left:0;top:.28em;width:22px;height:22px;border-radius:7px;background:#FDEDE8 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23E8735A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.cols{columns:2;column-gap:28px;padding-left:1.2em}
.cols li{break-inside:avoid;margin:4px 0}
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 1.2em}
.steps li{counter-increment:s;position:relative;padding:14px 18px 14px 64px;margin:10px 0;background:#fff;border:1px solid var(--line);border-radius:16px}
.steps li::before{content:counter(s);position:absolute;left:16px;top:13px;width:34px;height:34px;border-radius:10px;background:var(--coral);color:var(--teal-3);font:800 1rem/34px var(--display);text-align:center}
.callout{background:linear-gradient(135deg,#FFF3EF,#FDEDE8);border:1px solid #F7CDBF;border-left:5px solid var(--coral);border-radius:16px;padding:20px 24px;margin:28px 0}
.callout-h{font:800 1.08rem/1.3 var(--display);color:var(--ink);margin-bottom:6px}
.callout p:last-child{margin:0}
.tbl-wrap{overflow-x:auto;margin:20px 0 26px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--sh-sm)}
.art-tbl{width:100%;border-collapse:collapse;font-size:.96rem;line-height:1.4}
.art-tbl caption{caption-side:top;text-align:left;padding:14px 18px 4px;font-weight:700;color:var(--muted);font-size:.85rem}
.art-tbl th,.art-tbl td{padding:12px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.art-tbl thead th{background:var(--teal);color:#fff;font-weight:700;white-space:nowrap}
.art-tbl tbody th{font-weight:600;color:var(--ink)}
.art-tbl.num td{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.art-tbl tfoot th,.art-tbl tfoot td{font-weight:800;border-bottom:0;background:#F7F5F2}
.art-tbl .neg{color:#C2410C}.art-tbl .pos{color:var(--mint-2)}
.cta-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:24px 0 14px}
.cta-card{border:1px solid var(--line);background:#fff;border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:6px;box-shadow:var(--sh-sm)}
.cta-card h3{margin:.2em 0 .2em}
.cta-card p{font-size:.98rem;line-height:1.6;flex:1}
.cta-card .btn{align-self:flex-start;color:var(--ink)}
.cta-card.dark{background:linear-gradient(165deg,var(--teal-2),var(--teal-3));border-color:transparent}
.cta-card.dark h3,.cta-card.dark p{color:#fff}.cta-card.dark p{color:rgba(255,255,255,.8)}
.cta-card.dark .btn{color:var(--teal-3)}
.cta-tag,.rg-tag{align-self:flex-start;font:700 .75rem/1 var(--font);letter-spacing:.1em;text-transform:uppercase;padding:7px 11px;border-radius:999px;background:#FDEDE8;color:var(--coral-3)}
.cta-card.dark .cta-tag{background:rgba(242,139,116,.18);color:var(--coral-2)}
.small{font-size:.9rem;color:var(--muted)!important}
.art-faq{margin-top:1em}
.art-faq .faq summary{font-size:1rem}
.art-faq .answer{padding:0 22px 6px}
.art-faq .answer p{font-size:.98rem;line-height:1.65}
.rg-list{padding:clamp(40px,6vw,70px) 0 clamp(60px,8vw,100px);display:grid;gap:18px}
.rg-card{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 30px;text-decoration:none;box-shadow:var(--sh-sm);transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s}
.rg-card:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:#F2C4B5}
.rg-card h2{font-size:clamp(1.4rem,3vw,1.9rem);margin:.2em 0 .1em}
.rg-card p{color:var(--muted);margin:0}
.rg-more{display:inline-flex;align-items:center;gap:8px;color:var(--coral-3);font-weight:700;margin-top:6px}
.rg-more svg{width:18px;height:18px}
.rg-soon{border:1.5px dashed #D9CFC5;border-radius:var(--r);padding:20px 24px;color:var(--muted)}
.rg-soon p{margin:8px 0 0}.rg-soon a{color:var(--coral-3);font-weight:600}
.nav-links a[aria-current="page"]{color:#fff;background:rgba(255,255,255,.1)}
@media (max-width:700px){
  .toc ol,.cols{columns:1}
  .cta-grid{grid-template-columns:1fr}
  .art-body{font-size:1.03rem}
  .steps li{padding-left:58px}
}

/* Mobile Tabellen: Vergleich als Karten, Beispiel kompakt (alle Spalten sichtbar) */
@media (max-width:639px){
  .tbl-wrap.tbl-stack{border:0;background:none;box-shadow:none;overflow:visible}
  .art-tbl.stack thead{display:none}
  .art-tbl.stack,.art-tbl.stack tbody,.art-tbl.stack tr,.art-tbl.stack th,.art-tbl.stack td{display:block;width:100%}
  .art-tbl.stack tr{background:#fff;border:1px solid var(--line);border-radius:14px;margin:0 0 12px;overflow:hidden;box-shadow:var(--sh-sm)}
  .art-tbl.stack tbody th{background:var(--teal);color:#fff;padding:10px 14px;border:0}
  .art-tbl.stack td{display:flex;justify-content:space-between;gap:12px;padding:9px 14px;font-size:.92rem}
  .art-tbl.stack td:last-child{border-bottom:0}
  .art-tbl.stack td::before{content:attr(data-label);text-align:left;font-weight:600;color:var(--muted);flex:0 0 44%}
  .art-tbl.stack td{text-align:right}
  .tbl-wrap.tbl-num{overflow:hidden}
  .art-tbl.num{font-size:.8rem;table-layout:fixed}
  .art-tbl.num th,.art-tbl.num td{padding:9px 6px}
  .art-tbl.num th:first-child{padding-left:12px;width:36%;hyphens:auto;overflow-wrap:anywhere}
  .art-tbl.num td:last-child,.art-tbl.num thead th:last-child{padding-right:12px}
  .art-tbl.num thead th{white-space:normal;font-size:.76rem}
  .art-tbl.num thead th:not(:first-child){text-align:right}
  .art-tbl.num caption{padding:12px 12px 4px}
}