.topic-hero{background:linear-gradient(125deg,#fff,#edf3fd);padding:46px 0 50px}.topic-hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.75fr);gap:64px;align-items:center}.topic-hero h1{font-size:clamp(34px,4vw,54px);line-height:1.12;letter-spacing:-.025em;margin:0 0 24px;max-width:27ch}.topic-eyebrow{color:var(--blue);text-transform:uppercase;font-size:12px;letter-spacing:.075em;font-weight:600;margin:0 0 16px}.topic-lead{font-size:19px;line-height:1.7;color:var(--mute);margin:0 0 24px;max-width:65ch}.topic-hero-links{display:flex;gap:22px;flex-wrap:wrap}.topic-text-link{font-size:14px;font-weight:600;text-decoration:none}.topic-hero-offer{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 16px 36px -28px #1c243080}.topic-card-label{display:block;color:var(--blue);font-size:12px;font-weight:600;margin-bottom:12px}.topic-hero-offer h2{font-size:23px;margin:0 0 20px}.topic-hero-offer>strong{font-size:48px;line-height:1.1;display:block;letter-spacing:-.035em}.topic-hero-offer small{font-size:12px;font-weight:400;color:var(--mute);letter-spacing:0;display:block;margin-top:8px}.topic-hero-offer p{font-size:14px;line-height:1.65;color:var(--mute);margin:20px 0}.topic-hero-offer .btn{width:100%;font-size:14px}.topic-offer-detail{display:block;font-size:12px;text-align:center;margin-top:16px}.topic-answer{margin:36px 0 0;border-left:4px solid var(--blue);background:#edf3fc;border-radius:0 14px 14px 0;padding:26px 30px}.topic-answer h2{font-size:25px;line-height:1.3;margin:0 0 12px}.topic-answer p{font-size:17px;line-height:1.75;margin:0;color:var(--mute);max-width:95ch}.topic-section-heading{margin-bottom:26px}.topic-section-heading h2{font-size:32px;line-height:1.25;margin:0 0 12px;letter-spacing:-.025em}.topic-section-heading>p:not(.topic-eyebrow){font-size:16px;color:var(--mute);max-width:80ch}.topic-offers,.topic-calculator-section,.topic-content,.topic-faq-section,.topic-related{padding-top:54px;padding-bottom:54px;scroll-margin-top:100px}.topic-offer-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.topic-offer-card{border:1px solid var(--line);border-radius:16px;padding:26px;display:flex;flex-direction:column;background:#fff;min-width:0}.topic-offer-first{border-color:var(--blue);box-shadow:0 0 0 1px var(--blue)}.topic-offer-card h3{font-size:24px;margin:0 0 20px}.topic-card-rate{font-size:40px;font-weight:600;letter-spacing:-.035em;line-height:1.2;overflow-wrap:anywhere}.topic-card-rate small{font-size:12px;color:var(--mute);font-weight:400;display:block;letter-spacing:0;margin-top:6px}.topic-offer-card dl{font-size:13px;margin:24px 0}.topic-offer-card dl>div{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-top:1px solid var(--line)}.topic-offer-card dt{color:var(--mute)}.topic-offer-card dd{margin:0;text-align:right;font-weight:500}.topic-offer-card .btn{margin-top:auto;font-size:14px;padding:12px}.topic-small{font-size:12px;color:var(--mute);line-height:1.65;margin:18px 0 0}.topic-chapters{display:flex;gap:9px;flex-wrap:wrap;padding-bottom:30px;border-bottom:1px solid var(--line);margin-bottom:40px}.topic-chapters>span{width:100%;font-size:12px;font-weight:600;color:var(--mute);margin-bottom:6px}.topic-chapters a{padding:8px 12px;border:1px solid var(--line);border-radius:20px;font-size:12px;line-height:1.5;text-decoration:none;background:#fff}.topic-content-grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:60px;align-items:start}.topic-section{margin:0 0 44px;scroll-margin-top:110px}.topic-section-number{display:block;font-size:12px;color:var(--blue);font-weight:600;margin-bottom:9px}.topic-section h2{font-size:29px;line-height:1.25;letter-spacing:-.02em;margin:0 0 20px}.topic-section p{font-size:17px;line-height:1.8;color:var(--mute);margin:0 0 18px;max-width:85ch}.topic-panel{padding:28px;background:#f0f5fd;border:1px solid #dce6f6;border-radius:16px}.topic-list{padding-left:22px;font-size:16px;line-height:1.8;color:var(--mute)}.topic-list li+li{margin-top:10px}.topic-sidebar{position:sticky;top:110px;background:var(--ink);color:#fff;border-radius:16px;padding:26px}.topic-sidebar .topic-card-label{color:#b8d0ff}.topic-sidebar h2{font-size:23px;line-height:1.3;margin:0 0 16px}.topic-sidebar p{font-size:15px;line-height:1.75;color:#d4def0}.topic-sidebar .btn{width:100%;font-size:14px}.topic-sidebar>a:last-child{display:block;font-size:13px;color:#c4d9ff;margin-top:18px;text-decoration:none}.topic-table-scroll{overflow:auto;max-width:100%;border:1px solid var(--line);border-radius:12px;margin:24px 0;background:#fff}.topic-table-scroll table{border-collapse:collapse;width:100%;min-width:530px;font-size:14px;line-height:1.55}.topic-table-scroll caption{text-align:left;font-weight:600;padding:16px 18px;color:var(--ink);background:#eef3fc}.topic-table-scroll th,.topic-table-scroll td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.topic-table-scroll thead th{color:var(--mute);font-size:12px}.topic-table-scroll tbody th{font-weight:500}.topic-table-scroll tbody tr:last-child>*{border-bottom:0}.topic-inline-cta{display:flex;gap:22px;justify-content:space-between;align-items:center;padding:26px;background:#eaf1fc;border:1px solid #d4e0f4;border-radius:14px;margin:0 0 44px}.topic-inline-cta h3{font-size:21px;line-height:1.3;margin:0 0 12px}.topic-inline-cta p{font-size:14px;color:var(--mute);margin:0}.topic-inline-cta .btn{flex:none;font-size:14px}.topic-faq-section{border-top:1px solid var(--line)}.topic-faq{max-width:900px}.topic-faq details{border-bottom:1px solid var(--line)}.topic-faq summary{font-size:18px;line-height:1.5;font-weight:600;list-style:none;padding:21px 0;cursor:pointer;display:flex;justify-content:space-between;gap:20px}.topic-faq summary::after{content:'+';color:var(--blue);font-size:24px}.topic-faq details[open] summary::after{content:'−'}.topic-faq p{font-size:16px;line-height:1.8;color:var(--mute);margin:0 0 24px}.topic-related{border-top:1px solid var(--line)}.topic-related>h2{font-size:28px;line-height:1.3;margin:0 0 24px}.topic-related>div{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.topic-related a{border:1px solid var(--line);border-radius:14px;padding:24px;text-decoration:none;display:flex;flex-direction:column;gap:14px}.topic-related span{font-size:12px;color:var(--blue)}.topic-related h3{font-size:21px;line-height:1.35;color:var(--ink);margin:0}.topic-related strong{font-size:13px;margin-top:auto}.topic-calculator{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,.75fr);gap:32px;background:#eff4fc;border:1px solid #d9e3f3;border-radius:18px;padding:30px}.topic-calculator-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.topic-calculator label{font-size:13px;font-weight:600;display:block;margin-bottom:8px}.topic-calculator input{display:block;width:100%;padding:12px;border:1px solid #b9c6db;border-radius:7px;font:inherit;background:#fff}.topic-calculator-fields small{display:block;font-size:11px;color:var(--mute);margin-top:7px}.topic-calculator-result{background:var(--ink);color:#fff;border-radius:12px;padding:26px;display:flex;flex-direction:column;align-items:start}.topic-calculator-result>span{font-size:13px;color:#cbd9f1}.topic-calculator-result output{display:block;font-size:42px;line-height:1.2;font-weight:600;margin:16px 0;overflow-wrap:anywhere;max-width:100%}.topic-calculator-result p{font-size:13px;line-height:1.7;color:#dce6f7;margin:0 0 20px}.topic-calculator-result small{font-size:11px;line-height:1.6;color:#cbd9f1}.topic-calculator-result .btn{font-size:13px;width:100%;margin-top:24px}.topic-result-bar{width:100%;display:flex;gap:3px;height:8px;border-radius:4px;overflow:hidden;margin:0 0 20px}.topic-result-bar i:first-child{background:#88b1ff}.topic-result-bar i:last-child{background:#456699}.topic-layout-timeline .topic-section{border-left:2px solid #d6e2f7;padding-left:26px}.topic-layout-checklist .topic-list{list-style:none;padding-left:0}.topic-layout-checklist .topic-list li{padding:14px 18px;border:1px solid #d6e2f7;background:#f3f7fd;border-radius:9px}.topic-layout-comparison .topic-panel{background:#fff;border-color:var(--blue)}
@media(max-width:1050px){.topic-hero-grid{gap:32px}.topic-content-grid{gap:32px;grid-template-columns:minmax(0,1fr) 250px}.topic-offer-card{padding:21px}.topic-card-rate{font-size:34px}.topic-calculator{gap:22px}}
@media(max-width:800px){.topic-hero{padding:30px 0 36px}.topic-hero-grid{grid-template-columns:1fr;gap:0}.topic-introduction{display:contents}.topic-hero .topic-eyebrow{grid-row:1;grid-column:1}.topic-hero h1{grid-row:2;grid-column:1;font-size:38px;margin-bottom:24px}.topic-hero-offer{grid-row:3;grid-column:1;margin-bottom:24px}.topic-lead{grid-row:4;grid-column:1;font-size:17px}.topic-hero-links{grid-row:5;grid-column:1}.topic-content-grid{grid-template-columns:1fr}.topic-sidebar{position:static}.topic-offer-grid{grid-template-columns:1fr}.topic-offer-card{display:grid;grid-template-columns:1fr 1fr;column-gap:20px}.topic-offer-card .topic-card-label,.topic-offer-card h3{grid-column:1}.topic-card-rate{grid-column:2;grid-row:1/3;text-align:right;align-self:center}.topic-offer-card dl,.topic-offer-card .btn{grid-column:1/-1}.topic-offer-card h3{margin-bottom:0}.topic-related>div{grid-template-columns:1fr}.topic-calculator{grid-template-columns:1fr}.topic-inline-cta{flex-direction:column;align-items:stretch}.topic-offers,.topic-calculator-section,.topic-content,.topic-faq-section,.topic-related{padding-top:38px;padding-bottom:38px}.topic-section h2{font-size:26px}.topic-section-heading h2{font-size:28px}}
@media(max-width:480px){.topic-hero h1{font-size:34px}.topic-hero-offer{padding:24px}.topic-answer{padding:23px}.topic-answer h2{font-size:23px}.topic-panel{padding:22px}.topic-calculator{padding:20px}.topic-calculator-fields{grid-template-columns:1fr}.topic-calculator-result output{font-size:36px}.topic-offer-card{gap:14px}.topic-card-rate{font-size:30px}.topic-offer-card h3{font-size:22px}.topic-section p{font-size:16px}}

.topic-offer-card>.topic-small{margin:0 0 18px;grid-column:1/-1}.topic-offer-grid:has(>.topic-offer-card:nth-child(4)){grid-template-columns:repeat(2,minmax(0,1fr))}@media(max-width:800px){.topic-offer-grid:has(>.topic-offer-card:nth-child(4)){grid-template-columns:1fr}}

.topic-hero-tool{grid-template-columns:minmax(0,1fr)}.topic-hero-tool h1{max-width:35ch}.topic-hero-tool .topic-lead{max-width:85ch}.topic-live-comparison{padding-top:36px;padding-bottom:40px;scroll-margin-top:95px}.topic-live-comparison iframe{display:block;width:100%;border:0}.topic-hero-mini-offers{list-style:none;padding:0;margin:0}.topic-hero-mini-offers li{display:flex;justify-content:space-between;gap:15px;padding:14px 0;border-bottom:1px solid var(--line);font-size:13px}.topic-hero-mini-offers a{text-decoration:none;color:var(--ink);font-weight:500}.topic-hero-mini-offers strong{font-size:15px;text-align:right;max-width:55%;overflow-wrap:anywhere}@media(max-width:800px){.topic-hero-tool .topic-introduction{display:block}.topic-hero-tool .topic-lead{margin-bottom:16px}.topic-hero-tool .topic-hero-links{display:none}.topic-hero-tool h1{margin-bottom:18px}.topic-live-comparison{padding-top:24px}}
.topic-sections,.topic-calculator-fields,.topic-calculator-result{min-width:0}@media(max-width:800px){.topic-content-grid{grid-template-columns:minmax(0,1fr)}}

.topic-page{overflow-wrap:anywhere}.topic-page h1,.topic-page h2,.topic-page h3{hyphens:auto;hyphenate-limit-chars:10 5 4}.topic-chapters a{max-width:100%}

/* Angebotszeile und Kontopflicht in der schmalen Hero-Box trennen. */
.topic-hero-mini-offers li{
 display:grid;
 grid-template-columns:minmax(0,1fr) auto;
 align-items:start;
 gap:10px 16px;
}
.topic-hero-mini-offers li>a{min-width:0;overflow-wrap:normal;word-break:normal}
.topic-hero-mini-offers li>strong{max-width:none;white-space:nowrap;overflow-wrap:normal;word-break:normal}
.topic-hero-mini-offers li>.offer-account-requirement{grid-column:1/-1;min-width:0;margin:0}
.topic-offer-card>.offer-account-requirement{grid-column:1/-1;min-width:0}
@media(min-width:801px){.topic-hero-grid:has(.topic-hero-mini-offers){align-items:start}}