.form-contact{grid-template-columns:.9fr 1.1fr;gap:62px;padding:64px 62px;align-items:start}.form-contact .contact-copy{padding-top:40px}.form-contact .contact-copy h2{font-size:49px}.form-contact .contact-copy>p{font-size:16px;max-width:400px}.contact-benefits{list-style:none;padding:0;margin:37px 0;display:grid;gap:18px;color:#d5e7ff;font-size:14px}.contact-benefits li{display:flex;align-items:center;gap:12px}.contact-benefits svg{padding:4px;background:#ffffff1c;border-radius:50%;width:23px;height:23px;color:#c3e0ff}.inquiry-card{padding:32px;border-radius:24px;box-shadow:0 20px 50px #0d397829}.inquiry-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:12px}.inquiry-heading .eyebrow{font-size:10px;letter-spacing:1.4px;color:var(--blue);margin-bottom:9px}.inquiry-heading h3{font-size:24px;letter-spacing:-.7px;line-height:1.3}.time-badge{font-size:10px;font-weight:700;text-transform:uppercase;color:var(--blue);background:var(--soft);padding:7px;border-radius:6px;white-space:nowrap}.form-intro{font-size:13px;line-height:1.6;margin:14px 0 25px}.topic-picker{border:0;padding:0;margin:0 0 24px;min-width:0}.topic-picker legend,.form-field>label{display:block;font-weight:700;font-size:13px;margin-bottom:12px;color:#35577f}.topic-picker legend span,.form-field>label span,.consent-label b{color:var(--blue)}.topic-options{display:grid;grid-template-columns:1fr 1fr;gap:9px}.topic-options label{position:relative;cursor:pointer}.topic-options input{position:absolute;width:1px;height:1px;opacity:0}.topic-options label>span{display:flex;align-items:center;justify-content:center;text-align:center;border:1px solid #e0eafa;background:#fafcff;border-radius:10px;min-height:46px;padding:10px;font-size:12px;font-weight:700;color:#6784a7;transition:background .22s,border-color .22s,color .22s,box-shadow .22s,transform .22s}.topic-options label:hover>span{background:#f0f6ff;border-color:#bdd6f7;transform:translateY(-2px)}.topic-options input:checked+span{background:#eaf3ff;color:#2e70c5;border-color:#8abbfb;box-shadow:0 0 0 1px #8abbfb22}.topic-options input:focus-visible+span{outline:3px solid #84b5f5;outline-offset:3px}.topic-options label:active>span{transform:scale(.98)}.form-field{margin-top:19px}.form-field>input{width:100%;height:49px;padding:13px 15px;background:#fbfdff;border:1px solid #dae7fa;border-radius:10px;color:var(--navy);font:inherit;font-size:14px;outline:none;transition:border-color .2s,box-shadow .2s,background .2s}.form-field>input::placeholder{color:#a1b3ca}.form-field>input:hover{border-color:#aac9ee}.form-field>input:focus{border-color:#6ca6ee;background:white;box-shadow:0 0 0 4px #2873d610}.form-field>input[aria-invalid=true]{border-color:#d96666;background:#fffafa}.field-error{display:block;color:#be4545;font-size:11px;line-height:1.5;margin-top:6px}.field-error:empty{display:none}.contact-hint{font-size:11px;color:#8b9db5;margin:10px 0 22px}.consent-label{display:flex;align-items:flex-start;gap:10px;font-size:11px;line-height:1.7;color:#7890ad;cursor:pointer}.consent-label input{margin:3px 0 0;flex-shrink:0;width:16px;height:16px;accent-color:var(--blue);cursor:pointer}.consent-label button{font:inherit;background:none;border:0;padding:0;color:var(--blue);text-decoration:underline;text-underline-offset:3px;cursor:pointer}.consent-label button:hover{color:#174f9a}.form-error{font-size:12px;color:#be4545;margin-top:12px}.form-error:empty{display:none}.submit-inquiry{width:100%;margin-top:24px;min-height:54px;justify-content:center;cursor:pointer;position:relative;overflow:hidden}.submit-inquiry svg{transition:transform .25s}.submit-inquiry:hover svg{transform:translateX(5px)}.submit-inquiry:disabled{cursor:wait;opacity:.8;transform:none}.submit-inquiry:disabled svg{animation:submit-pulse .8s ease infinite alternate}.form-footnote{font-size:10px;text-align:center;line-height:1.65;margin:13px 5px 0;color:#99abc1}.form-success{text-align:center;min-height:540px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:22px}.form-success[hidden],[hidden]{display:none!important}.success-icon{width:78px;height:78px;display:grid;place-items:center;border-radius:50%;background:#eaf3ff;color:var(--blue)}.success-icon svg{width:38px;height:38px;stroke-width:2.5}.form-success .eyebrow{margin:0;color:var(--blue)}.form-success h3{font-size:26px;letter-spacing:-.6px}.form-success p{font-size:14px}.form-success .request-id{font-size:11px;color:#99abc1}.form-success .button{font-size:12px;cursor:pointer}.inquiry-card:focus-within{box-shadow:0 25px 65px #0d397845}.inquiry-card{transition:box-shadow .4s}.reveal-ready{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1);transition-delay:var(--reveal-delay,0ms)}.reveal-ready.is-visible{opacity:1;transform:translateY(0)}.brand{transition:opacity .25s}.brand:hover{opacity:.8}.steps li{transition:transform .3s,box-shadow .3s,border-color .3s}.steps li:hover{transform:translateX(5px);border-color:#c3dafa;box-shadow:0 8px 22px #15365b08}.topic .icon-box{transition:transform .3s,background .3s}.topic:hover .icon-box{transform:translateY(-3px) rotate(-4deg);background:#e1eeff}.situation-card{transition:box-shadow .4s}.situation-card:hover{box-shadow:0 28px 60px #244f8d20}.questions .answer{animation:none}.questions details{overflow:hidden}.button:active{transform:translateY(0) scale(.98)}dialog[open]{animation:dialog-enter .25s cubic-bezier(.2,.8,.2,1)}@keyframes dialog-enter{from{opacity:0;transform:translateY(12px) scale(.98)}to{opacity:1;transform:translateY(0) scale(1)}}@keyframes submit-pulse{from{opacity:.4;transform:translateX(0)}to{opacity:1;transform:translateX(5px)}}@media(max-width:1200px){.form-contact{gap:36px;padding:48px 38px;grid-template-columns:.85fr 1.15fr}.form-contact .contact-copy h2{font-size:39px}.inquiry-card{padding:26px}.inquiry-heading h3{font-size:21px}.contact-benefits{font-size:12px}}@media(max-width:900px){.form-contact{grid-template-columns:1fr;padding:40px;gap:30px}.form-contact .contact-copy{padding-top:0}.form-contact .contact-copy h2 br:nth-of-type(2){display:none}.form-contact .contact-copy>p{max-width:560px}.contact-benefits{margin:25px 0;gap:12px}.form-contact .contact-copy .contact-note{margin-top:22px}.inquiry-card{padding:32px}.inquiry-heading h3{font-size:24px}}@media(max-width:680px){.form-contact{padding:32px 20px;gap:28px}.form-contact .contact-copy h2{font-size:35px}.form-contact .contact-copy>p{font-size:14px}.contact-benefits{font-size:12px}.inquiry-card{padding:24px 19px;border-radius:19px}.inquiry-heading h3{font-size:22px}.time-badge{font-size:9px}.form-intro{font-size:12px}.form-field>input{font-size:16px}.submit-inquiry{font-size:12px}.form-success{min-height:460px}}@media(prefers-reduced-motion:reduce){.reveal-ready{opacity:1;transform:none}.reveal-ready,.reveal-ready.is-visible{transition:none!important}*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* Standalone inquiry section */
.faq.section{padding-bottom:72px}
.standalone-contact{background:linear-gradient(180deg,#f6f9fe 0%,#f9fbff 70%,#fff 100%);border-top:1px solid #edf3fc;padding:72px 0 88px}
.standalone-contact .form-contact{display:block;max-width:700px;width:88%;padding:0;background:none;border:0;border-radius:0;overflow:visible;color:var(--navy)}
.standalone-contact .contact-copy{padding:0;text-align:center;margin:0 0 30px}
.standalone-contact .contact-copy .eyebrow{color:var(--blue);font-size:11px;letter-spacing:1.8px;margin-bottom:15px}
.standalone-contact .contact-copy h2{font-size:40px;line-height:1.2;letter-spacing:-1.6px;margin:0 0 14px}
.standalone-contact .contact-copy>p{max-width:none;font-size:15px;color:var(--muted);margin:0}
.form-meta{display:flex;align-items:center;justify-content:center;gap:24px;margin-top:21px;font-size:12px;color:#6784a7}
.form-meta>span{display:inline-flex;align-items:center;gap:7px}.form-meta svg{width:15px;height:15px;color:#4f8ddc}
.standalone-contact .inquiry-card{padding:34px 38px;border:1px solid #e0eaf8;border-radius:22px;box-shadow:0 12px 42px #214e8909,0 2px 6px #214e8903}
.standalone-contact .inquiry-card:focus-within{border-color:#ccdff7;box-shadow:0 16px 48px #214e8910,0 2px 6px #214e8903}
.standalone-contact .inquiry-heading{align-items:center;margin:0 0 24px;padding-bottom:21px;border-bottom:1px solid #edf2f9}
.standalone-contact .inquiry-heading h3{font-size:17px;letter-spacing:-.25px;color:var(--navy)}
.required-note{font-size:11px;color:#8a9db6}
.standalone-contact .topic-options{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.standalone-contact .topic-options label>span{flex-direction:column;gap:9px;min-height:80px;padding:12px 5px;font-size:11px;border-radius:12px}
.standalone-contact .topic-options svg{width:20px;height:20px;stroke-width:1.8;transition:transform .25s}
.standalone-contact .topic-options label:hover svg{transform:translateY(-2px)}
.standalone-contact .topic-picker{margin-bottom:24px}
.standalone-contact .form-field{margin:0}
.standalone-contact .form-field>label,.standalone-contact .topic-picker legend{font-size:12px;margin-bottom:10px}
.standalone-contact .form-field>input{height:48px;background:#fcfdff;border-radius:9px}
.standalone-contact .form-field>input:focus{background:white}
.contact-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.standalone-contact .contact-hint{margin:11px 0 24px}
.standalone-contact .consent-field{border-top:1px solid #edf2f9;padding-top:22px}
.standalone-contact .consent-label{font-size:12px;line-height:1.7}
.standalone-contact .submit-inquiry{margin-top:23px;border-radius:10px;font-size:13px;min-height:52px;box-shadow:0 5px 14px #276fdf20}
.standalone-contact .form-footnote{margin:14px auto 0;max-width:440px;font-size:10px;line-height:1.7}
.standalone-contact .form-success{min-height:470px}
@media(max-width:680px){.faq.section{padding-bottom:48px}.standalone-contact{padding:48px 0 60px}.standalone-contact .contact-copy h2{font-size:31px;letter-spacing:-1px}.standalone-contact .contact-copy>p{font-size:14px;max-width:310px;margin:auto}.standalone-contact .contact-copy{margin-bottom:25px}.form-meta{gap:18px;font-size:11px;margin-top:18px}.standalone-contact .inquiry-card{padding:26px 22px;border-radius:18px}.standalone-contact .topic-options{grid-template-columns:1fr 1fr;gap:9px}.standalone-contact .topic-options label>span{min-height:54px;flex-direction:row;gap:8px;font-size:11px}.standalone-contact .topic-options svg{width:17px;height:17px}.contact-fields{grid-template-columns:1fr;gap:20px}.standalone-contact .form-field>input{font-size:16px}.standalone-contact .consent-label{font-size:11px}.standalone-contact .submit-inquiry{font-size:12px}.standalone-contact .form-success{min-height:440px}}

.standalone-contact .topic-options label>span{line-height:1.45;min-height:94px;padding:12px 9px}.standalone-contact .topic-options svg{flex-shrink:0}@media(max-width:680px){.standalone-contact .topic-options label>span{min-height:70px;flex-direction:column;gap:6px;padding:10px 8px}}

.standalone-contact .inkasso-field{margin-bottom:24px}.inkasso-field label small{font-weight:400;color:#8a9db6;font-size:11px;margin-left:4px}.inkasso-combobox{position:relative}.inkasso-combobox>input{width:100%;height:48px;padding:13px 44px 13px 15px;background:#fcfdff;border:1px solid #dae7fa;border-radius:9px;color:var(--navy);font:inherit;font-size:14px;outline:none;transition:border-color .2s,box-shadow .2s}.inkasso-combobox>input::placeholder{color:#a1b3ca}.inkasso-combobox>input:focus{border-color:#6ca6ee;box-shadow:0 0 0 4px #2873d610;background:#fff}.inkasso-combobox>input[aria-invalid=true]{border-color:#d96666}.inkasso-combobox>button{position:absolute;right:6px;top:7px;width:34px;height:34px;display:grid;place-items:center;border:0;background:none;color:#7297c5;border-radius:6px;cursor:pointer}.inkasso-combobox>button:hover{background:#eaf3ff}.inkasso-combobox>button svg{width:17px;height:17px;transition:transform .2s}.inkasso-combobox>button[aria-expanded=true] svg{transform:rotate(180deg)}#inkasso-options{position:absolute;z-index:20;top:calc(100% + 7px);left:0;right:0;max-height:230px;overflow:auto;margin:0;padding:6px;list-style:none;border:1px solid #dce8f8;border-radius:12px;background:#fff;box-shadow:0 12px 30px #15365b16;animation:appear .18s ease-out}#inkasso-options li{padding:12px 13px;border-radius:7px;color:#35577f;font-size:13px;cursor:pointer;transition:background .15s,color .15s}#inkasso-options li:hover,#inkasso-options li[aria-selected=true]{background:#eaf3ff;color:#2873d6}.standalone-contact .inkasso-field .contact-hint{margin:9px 0 0;font-size:11px}@media(max-width:680px){.inkasso-combobox>input{font-size:16px}}

.faq-selector.section{padding:68px 0 72px}.faq-selector .heading{margin-bottom:27px}.faq-selector .heading .eyebrow{margin-bottom:12px}.faq-selector .heading h2{font-size:36px;letter-spacing:-1.3px;margin:0 0 12px}.faq-selector .heading p{font-size:14px;line-height:1.7}.faq-selector button:focus-visible,.faq-selector [role=tabpanel]:focus-visible{outline:3px solid #8cbbf6;outline-offset:4px}
.faq-selector .tab-layout{display:grid;grid-template-columns:1fr 1.08fr;gap:24px;align-items:stretch}.faq-selector .tab-list{display:flex;flex-direction:column;gap:7px}.faq-selector .tab-list button{display:flex;align-items:center;text-align:left;gap:13px;padding:16px 18px;min-height:62px;border:1px solid transparent;border-radius:10px;background:#fff;color:#5c7594;font-size:13px;font-weight:700;cursor:pointer;line-height:1.5;transition:background .2s,border-color .2s,color .2s}.faq-selector .tab-list button:hover{background:#f5f9ff}.faq-selector .tab-list button[aria-selected=true]{background:#eaf3ff;color:#246ac6;border-color:#d8e8ff}.faq-selector .tab-number{font-size:10px;color:#91a7c2}.faq-selector .tab-list svg{margin-left:auto;width:15px;color:#75a1d9}.faq-selector .answer-panel{padding:29px 32px;background:#f4f8fe;border:1px solid #e1ebf8;border-radius:14px;display:flex;flex-direction:column;justify-content:center}.faq-selector .answer-panel .answer-kicker{font-size:10px;text-transform:uppercase;letter-spacing:1.2px;color:#588ad0;font-weight:700}.faq-selector .answer-panel h3{font-size:20px;line-height:1.4;letter-spacing:-.4px;margin:12px 0 15px}.faq-selector .answer-panel p{font-size:14px;line-height:1.8}
@media(max-width:750px){.faq-selector.section{padding:48px 0}.faq-selector .heading h2{font-size:30px}.faq-selector .tab-layout{grid-template-columns:1fr;gap:18px}.faq-selector .tab-list button{padding:14px 12px}.faq-selector .answer-panel{padding:25px}.faq-selector .heading p{font-size:13px}}

.faq-selector .faq-call{display:flex;align-items:center;gap:12px;align-self:flex-start;padding:12px 16px;margin-top:24px;border-radius:11px;background:var(--blue);color:white;box-shadow:0 5px 14px #2873d61a;transition:background .2s,transform .2s,box-shadow .2s}.faq-selector .faq-call:hover{background:#1e62bd;transform:translateY(-2px);box-shadow:0 8px 18px #2873d626}.faq-call-icon{display:grid;place-items:center;width:32px;height:32px;border-radius:9px;background:#ffffff1c}.faq-call-icon svg{width:17px;height:17px}.faq-call strong{display:block;font-size:13px;line-height:1.4}.faq-call small{display:block;font-size:12px;color:#d7e8ff;margin-top:3px}.faq-call>svg{width:16px;height:16px;margin-left:14px}

.consent-label a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}.consent-label a:hover{color:#174f9a}