/* Mobile layout: readable content, comfortable controls, compact navigation. */
.mobile-faq{display:none}
@media(max-width:767px){
 html{scroll-padding-top:20px}body{font-size:16px}.container{width:calc(100% - 40px)}
 header{position:relative;z-index:40}.nav{position:relative;display:grid;grid-template-columns:1fr 44px;height:auto;min-height:0;padding:13px 0 0;gap:10px 12px;align-items:center}
 .nav .brand{font-size:23px;gap:8px;letter-spacing:-.8px}.nav .brand>span:last-child{font-size:23px}.nav .brand-mark{width:34px;height:34px}
 .menu-toggle{display:grid;place-items:center;width:44px;height:44px;border:1px solid #e0eafa;background:#f7faff;border-radius:12px;color:var(--navy);padding:10px;grid-column:2;grid-row:1;cursor:pointer}.menu-toggle svg{width:21px;height:21px}
 .header-contact{grid-row:2;grid-column:1/-1;display:flex;flex-direction:row;align-items:center;justify-content:space-between;gap:8px;margin:0;padding:4px 0 10px;border-top:1px solid #edf2f9}
 .header-contact a{font-size:12px;min-height:36px;gap:6px;padding:4px 0}.contact-mini-icon{background:none;width:17px;height:22px}.contact-mini-icon svg{width:14px;height:14px}.header-hours{margin:0;padding:6px 8px;font-size:10px;gap:5px}.header-hours>svg{width:12px;height:12px}
 .nav nav{position:absolute;top:100%;left:-20px;right:-20px;width:auto;order:initial;display:none;flex-direction:column;align-items:stretch;gap:5px;padding:12px 20px 18px;background:white;border-bottom:1px solid #e0eafa;box-shadow:0 14px 24px #15365b12;font-size:14px;z-index:50}.nav nav.open{display:flex;animation:appear .2s ease}.nav nav a{padding:15px;border-radius:9px;min-height:48px}.nav nav a:hover{background:#eef5ff}
 .hero-grid{display:flex;flex-direction:column;gap:28px;padding:34px 0 28px;align-items:stretch}.hero-copy{width:100%;min-width:0}.pill{font-size:10px;padding:9px 12px;margin-bottom:22px;gap:7px}.hero-copy h1{font-size:9.2cqi;line-height:1.12;letter-spacing:-.045em;margin-bottom:20px}.hero-copy>p{font-size:15px;line-height:1.75;color:#6d829e}.hero-actions{display:grid;grid-template-columns:1fr;gap:10px;margin-top:23px}.hero-actions .button{min-height:50px;font-size:13px;padding:14px 18px;border-radius:11px}.hero-actions .button:not(.primary){min-height:44px;border-color:transparent;background:transparent;box-shadow:none;color:#4a719f;padding:9px}
 .situation-wrap{padding:0}.halo{display:none}.situation-card{border-radius:18px;padding:21px;box-shadow:0 10px 28px #244f8d08}.card-heading{gap:12px}.card-heading .icon-box{width:42px;height:42px;border-radius:12px}.card-heading .eyebrow{font-size:9px;letter-spacing:1px}.card-heading h3{font-size:17px;line-height:1.3;letter-spacing:-.3px}.situation-card>p{font-size:12px;margin:14px 0 17px;line-height:1.65}.situation-links{gap:8px}.situation-links a{padding:10px 11px;font-size:12px;min-height:52px;gap:10px;line-height:1.4;border-radius:10px}.situation-links a>.situation-topic-icon{width:30px;height:30px;border-radius:8px;padding:6px}.situation-links .situation-topic-icon svg{width:16px;height:16px}.situation-links>a>svg{width:14px;height:14px}.card-foot{font-size:10px;gap:7px;line-height:1.6;padding-top:15px;margin-top:17px}.card-foot svg{flex-shrink:0}
 .trust{display:grid;grid-template-columns:1fr;gap:11px;padding:21px 0 24px;font-size:12px;font-weight:500}.trust span{gap:9px}.trust svg{width:21px;height:21px;padding:4px}
 .section{padding:48px 0}.section-heading{text-align:left;margin-bottom:25px}.section-heading .eyebrow{font-size:10px;margin-bottom:12px}.section-heading h2{font-size:29px;line-height:1.2;letter-spacing:-1px;margin-bottom:14px}.section-heading p{font-size:14px;line-height:1.7}.desktop{display:none}
 .topic-grid{display:grid;grid-template-columns:1fr;gap:14px}.topic{display:grid;grid-template-columns:44px minmax(0,1fr);column-gap:13px;row-gap:0;padding:21px;border-radius:16px;box-shadow:0 4px 16px #15365b03;scroll-margin-top:20px;min-width:0}.topic .icon-box{grid-column:1;grid-row:1;width:44px;height:44px;border-radius:12px;margin:0}.topic .icon-box svg{width:22px;height:22px}.topic h3{grid-column:2;grid-row:1;align-self:center;font-size:17px;line-height:1.35;letter-spacing:-.35px;overflow-wrap:normal;word-break:normal;margin:0}.topic p{grid-column:1/-1;font-size:14px;line-height:1.75;color:#7488a2;margin:15px 0 18px}.topic-foot{grid-column:1/-1;margin:0;padding-top:15px;font-size:12px;min-height:35px;line-height:1.4}.topic-foot svg{width:16px;height:16px}.topic:hover{transform:none}.topic:hover .icon-box{transform:none}
 .process-grid{display:block}.process h2{font-size:31px;line-height:1.18;letter-spacing:-1.1px;margin-bottom:17px}.process .eyebrow{margin-bottom:14px;font-size:10px}.process p{font-size:15px;line-height:1.75}.text-link{min-height:44px;font-size:13px;margin-top:17px;gap:17px}.steps{margin-top:24px;gap:11px}.steps li{padding:19px 17px;border-radius:14px;gap:13px}.steps li>span{display:grid;place-items:center;flex-shrink:0;width:31px;height:31px;padding:0;font-size:13px;border-radius:9px}.steps h3{font-size:15px;line-height:1.4;margin:2px 0 5px}.steps p{font-size:13px;line-height:1.65}.steps li:hover{transform:none}
 .faq-selector.section{padding:48px 0}.faq-selector .heading{margin-bottom:24px}.faq-selector .heading h2{font-size:30px}.faq-selector .heading p{font-size:14px;line-height:1.7}.faq-selector .tab-layout{display:none}.mobile-faq{display:grid;gap:10px}.mobile-faq details{border:1px solid #e1ebf8;border-radius:13px;background:#fff;overflow:hidden}.mobile-faq details[open]{background:#f5f9ff;border-color:#d5e5fb}.mobile-faq summary{display:flex;align-items:center;justify-content:space-between;gap:14px;list-style:none;padding:18px 16px;font-size:14px;line-height:1.5;font-weight:700;cursor:pointer;min-height:62px}.mobile-faq summary::-webkit-details-marker{display:none}.mobile-faq summary>span{color:var(--blue);font-size:21px;font-weight:400;line-height:1;transition:transform .25s;flex-shrink:0}.mobile-faq details[open] summary>span{transform:rotate(45deg)}.mobile-faq .mobile-answer{font-size:14px;color:#7488a2;line-height:1.8;padding:0 16px 19px}
 .standalone-contact{padding:46px 0 48px}.standalone-contact .form-contact{width:calc(100% - 32px);max-width:none}.standalone-contact .contact-copy{padding:0 8px;margin-bottom:23px}.standalone-contact .contact-copy h2{font-size:29px;line-height:1.2;letter-spacing:-1px;margin-bottom:14px}.standalone-contact .contact-copy>p{max-width:330px;font-size:14px;line-height:1.7}.form-meta{font-size:11px;gap:19px}.standalone-contact .inquiry-card{padding:23px 18px;border-radius:17px}.standalone-contact .inquiry-heading{margin-bottom:22px;padding-bottom:18px}.standalone-contact .inquiry-heading h3{font-size:17px}.required-note{font-size:10px}.standalone-contact .topic-picker legend,.standalone-contact .form-field>label{font-size:13px;line-height:1.5;margin-bottom:10px}.standalone-contact .topic-options{gap:9px}.standalone-contact .topic-options label>span{min-height:85px;flex-direction:column;font-size:12px;line-height:1.4;padding:12px 8px;gap:8px;border-radius:11px}.standalone-contact .topic-options svg{width:21px;height:21px}.standalone-contact .topic-picker{margin-bottom:23px}.standalone-contact .inkasso-field{margin-bottom:23px}.standalone-contact .form-field>input,.inkasso-combobox>input{font-size:16px;height:50px;padding-left:12px}.inkasso-combobox>input{padding-right:44px}.inkasso-combobox>button{width:44px;height:44px;right:2px;top:3px}.inkasso-field label small{font-size:11px}.standalone-contact .inkasso-field .contact-hint,.standalone-contact .contact-hint{font-size:12px;line-height:1.6}.contact-fields{gap:20px;margin-top:20px;grid-template-columns:1fr}.standalone-contact .consent-label{font-size:12px;line-height:1.75;gap:10px}.consent-label input{width:19px;height:19px;margin-top:2px}.standalone-contact .submit-inquiry{font-size:13px;min-height:54px;margin-top:22px;gap:12px}.standalone-contact .form-footnote{font-size:11px;line-height:1.7;margin-top:15px}.field-error,.form-error{font-size:12px}.standalone-contact .form-success{min-height:390px}.form-success h3{font-size:24px}.form-success p{font-size:14px}#inkasso-options{max-height:225px}#inkasso-options li{min-height:45px;padding:13px;font-size:14px}
 .footer-top{padding:30px 0 20px;gap:17px}.footer-top .brand{font-size:24px}.footer-top .brand-mark{width:35px;height:35px}.footer-top p{font-size:13px;line-height:1.7;margin-top:12px}.footer-links{display:flex;align-items:center;gap:20px;flex-wrap:wrap;padding:0}.footer-links a,.footer-links button{font-size:13px;min-height:44px;display:inline-flex;align-items:center}.footer-bottom{gap:9px;padding:21px 0 27px;font-size:11px;line-height:1.6}
 dialog{padding:29px 23px;border-radius:16px;max-height:85dvh;overflow:auto}dialog h2{font-size:27px}dialog p{font-size:14px}.close-dialog{min-width:44px;min-height:44px;top:5px;right:5px}
}
@media(min-width:768px) and (max-width:1050px){.topic-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.topic{padding:25px}.topic h3{font-size:18px;line-height:1.4;overflow-wrap:normal}.topic p{font-size:14px}.topic-foot{font-size:12px}.hero-grid{gap:30px}.situation-links a{font-size:11px}.faq-selector .tab-list button{font-size:13px}}
@media(max-width:359px){.container{width:calc(100% - 32px)}.nav nav{left:-16px;right:-16px}.header-contact a{font-size:11px}.header-hours{font-size:9px;padding:6px}.topic{padding:18px;column-gap:11px}.topic h3{font-size:16px}.situation-card{padding:18px}.situation-links a{font-size:11px;gap:8px}.standalone-contact .inquiry-card{padding:22px 15px}.standalone-contact .submit-inquiry{font-size:12px}.standalone-contact .topic-options label>span{font-size:11px}}
@media(hover:none){.button:hover,.situation-links a:hover,.topic:hover,.steps li:hover{transform:none}.topic:hover .icon-box{transform:none}}
@media(prefers-reduced-motion:reduce){.mobile-faq summary>span{transition:none}.nav nav.open{animation:none}}


.faq-selector .mobile-faq-call{display:none}@media(max-width:767px){.faq-selector .mobile-faq-call{display:flex;width:100%;justify-content:flex-start;margin-top:18px;min-height:62px}.mobile-faq-call>svg{margin-left:auto}}

.faq-heading-row{display:flex;justify-content:space-between;align-items:center;gap:28px;margin-bottom:27px}.faq-selector .faq-heading-row .heading{margin-bottom:0}.faq-selector .faq-heading-row>.faq-call{margin-top:0;align-self:center;flex-shrink:0}@media(max-width:767px){.faq-heading-row{display:block;margin-bottom:24px}.faq-selector .faq-heading-row>.faq-call{display:none}.faq-selector .faq-heading-row .heading{margin-bottom:0}}

@media(min-width:768px){.faq-selector .faq-heading-row>.faq-call{min-width:250px;padding-left:18px;padding-right:18px}.faq-selector .faq-heading-row>.faq-call>svg{margin-left:auto}}


/* Unified header contact panel */
.nav{min-height:120px}.header-contact.contact-hub{display:block;width:350px;flex-shrink:0;margin-left:auto;padding:6px 6px 0;border:1px solid #e0eaf7;border-radius:14px;background:#f7faff;box-shadow:0 3px 10px #15365b03}.contact-hub-actions{display:grid;grid-template-columns:1fr 1.12fr;gap:6px}.header-contact.contact-hub .contact-hub-actions a{display:flex;align-items:center;justify-content:center;gap:9px;min-height:52px;padding:10px 11px;border-radius:9px;white-space:nowrap;text-decoration:none;transition:background .2s,box-shadow .2s,transform .2s}.contact-hub-actions a>svg{width:17px;height:17px;flex-shrink:0}.contact-hub-actions a>span{min-width:0}.contact-hub-actions strong{display:block;font-size:12px;line-height:1.4;font-weight:700}.contact-hub-actions small{display:block;font-size:10px;font-weight:400;line-height:1.4;margin-top:3px;letter-spacing:.1px}.header-contact.contact-hub a.hub-call{color:#fff;background:#2873d6;box-shadow:0 3px 8px #2873d619}.hub-call small{color:#dfedff}.header-contact.contact-hub a.hub-email{color:#355c8a;background:#fff;border:1px solid #e3ecf8}.hub-email>svg{color:#4d89d5}.hub-email small{color:#7990ad}.header-contact.contact-hub a.hub-call:hover{background:#1e62bf;transform:translateY(-1px)}.header-contact.contact-hub a.hub-email:hover{background:#eef5ff;transform:translateY(-1px);box-shadow:0 3px 8px #15365b08}.hub-hours{display:flex;align-items:center;justify-content:center;gap:7px;padding:9px 5px;color:#8297b2;font-size:10px;line-height:1.4}.hub-hours svg{width:12px;height:12px;color:#6e99d2}.hub-hours strong{color:#52739e;font-weight:600;margin-left:3px}@media(min-width:1051px) and (max-width:1250px){.nav{gap:18px}.nav nav{gap:18px;font-size:11px}.header-contact.contact-hub{width:318px}.contact-hub-actions strong{font-size:11px}.header-contact.contact-hub .contact-hub-actions a{padding:10px 8px;gap:7px}}@media(min-width:768px) and (max-width:1050px){.nav{min-height:0;padding:16px 0;gap:16px}.header-contact.contact-hub{width:350px}}@media(max-width:767px){.nav{min-height:0;padding:13px 0 12px;row-gap:12px}.header-contact.contact-hub{grid-column:1/-1;grid-row:2;width:100%;margin:0;padding:5px 5px 0;border:1px solid #e0eaf7}.header-contact.contact-hub .contact-hub-actions a{min-height:53px;padding:10px 8px;gap:8px}.contact-hub-actions strong{font-size:12px}.contact-hub-actions small{font-size:10px}.hub-hours{font-size:10px;padding:8px 3px}.nav nav{top:100%}}@media(max-width:359px){.contact-hub-actions strong{font-size:11px}.contact-hub-actions small{font-size:9px}.header-contact.contact-hub .contact-hub-actions a{gap:6px;padding:10px 6px}.contact-hub-actions a>svg{width:15px;height:15px}.hub-hours{font-size:9px;gap:5px}}@media(prefers-reduced-motion:reduce){.header-contact.contact-hub .contact-hub-actions a{transition:none}}