.ratgeber-page{background:#fff;color:#1a1a2e}.ratgeber-outer{max-width:var(--max-width);margin:0 auto;padding:0 2rem}.ratgeber-layout{display:grid;grid-template-columns:260px minmax(0,46rem);gap:3rem;align-items:start;justify-content:center;padding:2.5rem 0 3rem}.ratgeber-sidebar{position:sticky;top:96px;max-height:calc(100vh - 112px);overflow-y:auto;display:flex;flex-direction:column;gap:1.5rem}.ratgeber-article{min-width:0}.ratgeber-breadcrumb{padding:1rem 0 0;font-size:0.85rem;color:#666}.ratgeber-breadcrumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:0.25rem}.ratgeber-breadcrumb li + li::before{content:"›";margin-right:0.25rem;color:#999}.ratgeber-breadcrumb a{color:#666;text-decoration:none}.ratgeber-breadcrumb a:hover{text-decoration:underline}.ratgeber-breadcrumb [aria-current="page"]{color:#1a1a2e;font-weight:500}.ratgeber-header{padding:1.5rem 0 1rem;border-bottom:1px solid #e8e8f0;margin-bottom:1.5rem}.ratgeber-header h1{font-size:clamp(1.6rem,4vw,2.2rem);font-weight:700;line-height:1.25;margin:0 0 0.75rem;color:#1a1a2e}.ratgeber-meta{display:flex;flex-wrap:wrap;gap:0.5rem 1rem;font-size:0.85rem;color:#666;align-items:center}.ratgeber-meta time{color:#666}.ratgeber-meta .ratgeber-updated{display:flex;align-items:center;gap:0.3rem}.ratgeber-answer-box{background:#fff7ed;border-left:4px solid var(--primary-color);border-radius:0 8px 8px 0;padding:1.25rem 1.5rem;margin-bottom:2rem}.ratgeber-answer-box h2{font-size:1rem;font-weight:700;margin:0 0 0.75rem;color:#b36b00;text-transform:uppercase;letter-spacing:0.04em}.ratgeber-answer-box ul{margin:0;padding-left:1.25rem}.ratgeber-answer-box li{margin-bottom:0.4rem;font-size:0.95rem;line-height:1.5;color:#1a1a2e}.ratgeber-answer-box li:last-child{margin-bottom:0}.ratgeber-toc{background:#f8f9fb;border:1px solid #e2e5ed;border-radius:8px;padding:1.25rem 1.5rem;margin-bottom:0;font-size:0.9rem}.ratgeber-toc h2{font-size:0.85rem;font-weight:700;margin:0 0 0.75rem;color:#666;text-transform:uppercase;letter-spacing:0.05em}.ratgeber-toc ol{margin:0;padding-left:1.25rem;display:flex;flex-direction:column;gap:0.35rem}.ratgeber-toc a{color:#b36b00;text-decoration:none}.ratgeber-toc a:hover{text-decoration:underline}.ratgeber-body{font-size:1.125rem;line-height:1.75;color:#1f2937;margin-bottom:3rem}.ratgeber-body h2{font-size:clamp(1.4rem,3vw,1.9rem);font-weight:700;margin:2.75rem 0 0.85rem;color:#1a1a2e;text-align:left;padding-left:0.9rem;border-left:4px solid var(--primary-color)}.ratgeber-body h3{font-size:1.2rem;font-weight:600;margin:1.75rem 0 0.5rem;color:#1a1a2e;text-align:left}.ratgeber-body p{margin:0 0 1rem}.ratgeber-body ul,.ratgeber-body ol{padding-left:1.5rem;margin:0 0 1rem}.ratgeber-body li{margin-bottom:0.4rem}.ratgeber-body a{color:#b36b00;text-decoration:underline}.ratgeber-body table{width:100%;border-collapse:collapse;margin:1.25rem 0;font-size:0.9rem}.ratgeber-body th,.ratgeber-body td{padding:0.6rem 0.85rem;border:1px solid #dde1ea;text-align:left}.ratgeber-body th{background:#f0f2f8;font-weight:600;color:#1a1a2e}.ratgeber-body tr:nth-child(even) td{background:#f8f9fb}.ratgeber-next-steps{background:#f8f9fb;border-radius:10px;padding:1.5rem 1.5rem;margin-bottom:0}.ratgeber-next-steps h2{font-size:1.1rem;font-weight:700;margin:0 0 1rem;color:#1a1a2e}.ratgeber-next-steps ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:0.5rem}.ratgeber-next-steps a{display:inline-flex;align-items:center;gap:0.4rem;color:#b36b00;font-weight:500;text-decoration:none;font-size:0.95rem}.ratgeber-next-steps a::before{content:"→";font-size:1rem}.ratgeber-next-steps a:hover{text-decoration:underline}.ratgeber-cta{background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);border-radius:12px;padding:2.5rem 2rem;text-align:center;margin-bottom:3rem;color:#fff}.ratgeber-cta h2{font-size:1.4rem;font-weight:700;margin:0 0 0.75rem;color:#fff}.ratgeber-cta p{font-size:1rem;margin:0 0 1.5rem;color:rgba(255,255,255,0.85);line-height:1.5}.ratgeber-cta-buttons{display:flex;flex-wrap:wrap;gap:0.75rem;justify-content:center}.ratgeber-cta .btn-primary{background:var(--primary-color);color:#fff;border:none;padding:0.75rem 1.5rem;border-radius:6px;font-size:1rem;font-weight:600;text-decoration:none;display:inline-block;transition:background 0.15s}.ratgeber-cta .btn-primary:hover{background:var(--color-brand-hover)}.ratgeber-cta .btn-secondary{background:transparent;color:#fff;border:2px solid rgba(255,255,255,0.5);padding:0.75rem 1.5rem;border-radius:6px;font-size:1rem;font-weight:600;text-decoration:none;display:inline-block;transition:border-color 0.15s}.ratgeber-cta .btn-secondary:hover{border-color:#fff}.ratgeber-sources{font-size:0.8rem;color:#888;border-top:1px solid #e8e8f0;padding-top:1rem;margin-bottom:2rem}.ratgeber-sources p{margin:0 0 0.25rem}.ratgeber-sources a{color:#666}.ratgeber-body .ref{font-size:0.85em;font-style:italic;color:#8a8a97}.ratgeber-body .ref a{color:#8a8a97;text-decoration:underline}.ratgeber-body .footnote{font-size:0.8rem;font-style:italic;color:#8a8a97;border-top:1px solid #e8e8f0;padding-top:1rem;margin-top:2.5rem}@media (max-width:1024px){.ratgeber-layout{grid-template-columns:1fr;gap:0;padding-bottom:2rem}.ratgeber-sidebar{position:static;max-height:none;overflow-y:visible;order:2;flex-direction:row;flex-wrap:wrap;gap:1rem;padding-top:2rem;border-top:1px solid #e8e8f0;margin-top:2rem}.ratgeber-sidebar .ratgeber-toc,.ratgeber-sidebar .ratgeber-next-steps{flex:1 1 280px}.ratgeber-article{order:1}}@media (max-width:480px){.ratgeber-outer{padding:0 1rem}}@media (max-width:640px){.ratgeber-answer-box{padding:1rem 1.1rem}.ratgeber-toc{padding:1rem 1.1rem}.ratgeber-next-steps{padding:1.25rem 1.1rem}}.ratgeber-breadcrumb-wrap{background:none;border:none}.ratgeber-breadcrumb-wrap .ratgeber-breadcrumb{padding-bottom:0.65rem;padding-top:0.75rem}.ratgeber-cta-section{background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);padding:3rem 0;text-align:center;color:#fff}.ratgeber-cta-section h2{font-size:1.4rem;font-weight:700;margin:0 0 0.75rem;color:#fff}.ratgeber-cta-section p{font-size:1rem;margin:0 0 1.5rem;color:rgba(255,255,255,0.85);line-height:1.5}.ratgeber-cta-section .ratgeber-cta-buttons{display:flex;flex-wrap:wrap;gap:0.75rem;justify-content:center}.ratgeber-cta-section .btn-primary{background:var(--primary-color);color:#fff;border:none;padding:0.75rem 1.5rem;border-radius:6px;font-size:1rem;font-weight:600;text-decoration:none;display:inline-block;transition:background 0.15s}.ratgeber-cta-section .btn-primary:hover{background:var(--color-brand-hover)}.ratgeber-cta-section .btn-secondary{background:transparent;color:#fff;border:2px solid rgba(255,255,255,0.5);padding:0.75rem 1.5rem;border-radius:6px;font-size:1rem;font-weight:600;text-decoration:none;display:inline-block;transition:border-color 0.15s}.ratgeber-cta-section .btn-secondary:hover{border-color:#fff}.ratgeber-body pre{background:#1a1a2e;color:#e2e8f0;padding:1.1rem 1.4rem;border-radius:8px;font-size:0.875rem;line-height:1.6;overflow-x:auto;margin:1.25rem 0}.ratgeber-body code{background:#fff7ed;color:#b36b00;padding:0.15em 0.45em;border-radius:4px;font-size:0.875em;font-family:ui-monospace,'Fira Code',monospace}.ratgeber-body pre code{background:none;color:inherit;padding:0;font-size:inherit}.ratgeber-body li:has(input[type="checkbox"]){list-style:none;padding-left:0;display:flex;align-items:flex-start;gap:0.5rem;margin-bottom:0.6rem}.ratgeber-body li input[type="checkbox"]{display:none}.ratgeber-body li:has(input[type="checkbox"])::before{content:"\2713";color:var(--primary-color);font-weight:700;flex-shrink:0;line-height:1.5}.rg-callout{display:flex;gap:0.85rem;padding:1.1rem 1.25rem;border-radius:8px;margin:1.5rem 0;border-left:4px solid}.rg-callout--tip{background:#fffbeb;border-color:#f59e0b}.rg-callout--info{background:#eff6ff;border-color:#2563eb}.rg-callout--warning{background:#fef2f2;border-color:#dc2626}.rg-callout--success{background:#f0fdf4;border-color:#16a34a}.rg-callout__icon{font-size:1.15rem;line-height:1.5;flex-shrink:0}.rg-callout__content{flex:1;min-width:0}.rg-callout__title{display:block;font-size:0.8rem;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;margin-bottom:0.35rem}.rg-callout--tip .rg-callout__title{color:#92400e}.rg-callout--info .rg-callout__title{color:#1e3a8a}.rg-callout--warning .rg-callout__title{color:#991b1b}.rg-callout--success .rg-callout__title{color:#14532d}.rg-callout__content p{margin:0;font-size:0.95rem;line-height:1.55;color:#374151}.rg-callout__content p + p{margin-top:0.5rem}.rg-callout__content strong{color:inherit}.rg-stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:1rem;margin:1.75rem 0 2rem}.rg-stat{background:#fff;border:1px solid #e2e5ed;border-radius:10px;padding:1.25rem 1rem;text-align:center;box-shadow:0 1px 4px rgba(0,0,0,0.06)}.rg-stat__val{display:block;font-size:clamp(1.5rem,4vw,2rem);font-weight:800;color:var(--primary-color);line-height:1.1;margin-bottom:0.4rem;letter-spacing:-0.02em}.rg-stat__label{display:block;font-size:0.78rem;color:#666;line-height:1.35}.rg-steps{position:relative;margin:1.75rem 0 2rem;padding-left:0}.rg-steps::before{content:'';position:absolute;left:1.1rem;top:2.2rem;bottom:1.1rem;width:2px;background:#e2e5ed}.rg-step{display:flex;gap:1.1rem;margin-bottom:1.4rem;position:relative}.rg-step:last-child{margin-bottom:0}.rg-step__number{width:2.2rem;height:2.2rem;border-radius:50%;background:var(--primary-color);color:#fff;font-weight:700;font-size:0.85rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;position:relative;z-index:1}.rg-step__content{padding-top:0.2rem;flex:1}.rg-step__title{display:block;font-weight:700;font-size:0.975rem;color:#1a1a2e;margin-bottom:0.2rem}.rg-step__body{margin:0;font-size:0.9rem;color:#555;line-height:1.5}@media (max-width:640px){.rg-stat-row{grid-template-columns:repeat(2,1fr)}.rg-callout{padding:0.9rem 1rem}.ratgeber-cta-section{padding:2rem 0}.ratgeber-cta-section h2{font-size:1.2rem}}.ratgeber-index-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:1.25rem;padding:1rem 0 3.5rem}.ratgeber-index-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--color-border);border-radius:12px;padding:1.5rem 1.5rem 1.25rem;text-decoration:none;color:inherit;box-shadow:0 1px 4px rgba(15,22,41,0.05);transition:transform 0.18s ease,box-shadow 0.18s ease,border-color 0.18s ease}.ratgeber-index-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(15,22,41,0.12);border-color:var(--primary-color)}.ratgeber-index-card h2{font-size:1.15rem;font-weight:700;color:#1a1a2e;text-align:left;margin:0 0 0.5rem;line-height:1.3}.ratgeber-index-card p{font-size:0.9rem;color:var(--color-fg-subtle);line-height:1.55;margin:0 0 1rem;flex:1}.ratgeber-index-card__more{color:#b36b00;font-weight:600;font-size:0.9rem}.index-hero{background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);color:#fff;padding:3.25rem 0 2.75rem;text-align:center}.index-hero .eyebrow{color:#ff9900;font-weight:700;font-size:0.8rem;letter-spacing:0.08em;text-transform:uppercase;margin:0 0 0.6rem}.index-hero h1{font-size:clamp(1.9rem,4vw,2.6rem);color:#fff;margin:0 0 0.9rem;line-height:1.15}.index-hero__lead{max-width:44rem;margin:0 auto;color:rgba(255,255,255,0.82);font-size:1.05rem;line-height:1.6}.index-hero__breadcrumb{text-align:left;margin-bottom:1.25rem}.index-hero__breadcrumb,.index-hero__breadcrumb a{color:rgba(255,255,255,0.72)}.index-hero__breadcrumb a:hover{color:#fff}.index-hero__breadcrumb li + li::before{color:rgba(255,255,255,0.45)}.index-hero__breadcrumb [aria-current="page"]{color:#fff;font-weight:500}